✎ PM-AJAY integrates 3 schemes to empower SCs via skill, education & infrastructure development.
Relevance for Banking, SSC & RBI Grade B exams: Polity & Governance
The **Pradhan Mantri Anusuchit Jaati Abhyuday Yojana (PM-AJAY)**, launched in 2021-22 as a centrally sponsored scheme, aims to address historical socio-economic disparities faced by Scheduled Castes (SCs), who constitute 16.6% of India’s population. By merging three earlier schemes—Pradhan Mantri Adarsh Gram Yojana (PMAGY), Special Central Assistance to Scheduled Castes Sub-Plan (SCA to SCSP), and Babu Jagjivan Ram Chhatrawas Yojana (BJRCY)—PM-AJAY adopts a three-pronged approach: reducing poverty through skill development and livelihood initiatives, improving infrastructure in SC-dominated areas, and enhancing literacy and educational access via residential schools. The scheme’s digital tools, including the PM-AJAY mobile app and portal, ensure transparency and efficient implementation, with over 47,000 SC-majority villages transformed into “model villages” and 785 hostels constructed or repaired by September 2026.
For **Banking, SSC, and RBI Grade B aspirants**, PM-AJAY holds significance as a governance initiative addressing equity and inclusion, a recurring theme in exams. Questions may focus on its funding (100% centrally funded), components (model villages, skill development, hostels), or eligibility criteria (e.g., SC-majority villages with 40%+ SC population). Understanding such schemes helps in **essay writing, descriptive papers, and interviews** for RBI Grade B, while SSC exams may test factual knowledge on welfare programs. Banking exams could link it to financial inclusion or government priorities, making it a critical topic for current affairs preparation.
Source: PIB (Press Information Bureau)
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