As of 2026, what is the maximum age limit for availing the overdraft facility under the PM Jan Dhan Yojana?
A 50 years
B 60 years
C 65 years
D 70 years
Answer: C
Initially, the age limit for availing the overdraft facility under PMJDY was 18-60 years. However, it was later revised to 18-65 years to expand its reach and benefits.
2.
Which of the following is a key feature or benefit associated with a PMJDY account?
A Mandatory minimum balance requirement of Rs. 1,000
B Overdraft facility up to Rs. 10,000 (subject to eligibility)
C Unlimited free ATM withdrawals from any bank
D Free life insurance cover of Rs. 1 lakh for all account holders
Answer: B
PMJDY accounts are zero-balance accounts, meaning there is no mandatory minimum balance. They offer an overdraft facility of up to Rs. 10,000 after satisfactory operation of the account for 6 months. The accidental insurance cover is Rs. 2 lakh (for accounts opened after 28.08.2018), and a life cover of Rs. 30,000 was available for eligible beneficiaries under a specific scheme, not Rs. 1 lakh for all.
3.
When was the Pradhan Mantri Jan Dhan Yojana (PMJDY) launched, and what was its primary objective?
A August 28, 2014; to ensure access to financial services for all households
B October 2, 2016; to promote digital payments across the country
C January 1, 2015; to provide direct benefit transfers for government schemes
D November 8, 2016; to encourage cashless transactions post-demonetization
Answer: A
The Pradhan Mantri Jan Dhan Yojana (PMJDY) was launched on August 28, 2014, with the primary objective of ensuring access to financial services, namely, Banking/Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.
4.
Accredited Social Health Activists (ASHAs) are a crucial community-level workforce under which major national health program in India?
A Ayushman Bharat Digital Mission
B National Health Mission (NHM)
C Pradhan Mantri Surakshit Matritva Abhiyan
D National AIDS Control Programme
Answer: B
ASHAs were introduced as a key component of the National Rural Health Mission (NRHM), which is now subsumed under the broader National Health Mission (NHM). They play a vital role in connecting communities with health services.
5.
Which of the following is NOT a primary objective of the National Health Mission (NHM)?
A Reducing Infant Mortality Rate (IMR) and Maternal Mortality Ratio (MMR)
B Promoting universal access to equitable, affordable, and quality healthcare services
C Providing free health insurance to all citizens of India
D Strengthening public health infrastructure, especially in rural and urban areas
Answer: C
While NHM aims to improve healthcare access and outcomes, providing free health insurance to all citizens is not its direct primary objective. Schemes like Ayushman Bharat (PMJAY) address health insurance, but NHM focuses on strengthening the health system, reducing IMR/MMR, and controlling diseases.
6.
The National Health Mission (NHM) was launched in 2013 by subsuming which two sub-missions?
A National Rural Health Mission (NRHM) and National Urban Health Mission (NUHM)
B Ayushman Bharat and Pradhan Mantri Jan Arogya Yojana (PMJAY)
C Reproductive, Maternal, Newborn, Child and Adolescent Health (RMNCH+A) and National Programme for Control of Non-Communicable Diseases (NPCDCS)
D Janani Shishu Suraksha Karyakram (JSSK) and Rashtriya Bal Swasthya Karyakram (RBSK)
Answer: A
The National Health Mission (NHM) was launched in 2013 by the Government of India by subsuming the National Rural Health Mission (NRHM), launched in 2005, and the National Urban Health Mission (NUHM), also launched in 2013.
7.
The PM-KISAN scheme is fully funded by which of the following?
A State Governments
B Central Government
C Jointly by Central and State Governments (50:50 ratio)
D NABARD and commercial banks
Answer: B
The Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) scheme is a Central Sector Scheme, meaning it is 100% funded by the Government of India.
8.
Which of the following categories of beneficiaries is NOT eligible for financial assistance under the PM-KISAN scheme?
A Small and marginal farmers with cultivable land
B Families of serving or retired government employees
C Farmers whose family income is below the poverty line
D Farmers with landholding up to 2 hectares
Answer: B
The PM-KISAN scheme has specific exclusion criteria. Families of serving or retired government employees, income tax payers, and professionals (doctors, engineers, lawyers, CAs, etc.) are not eligible for the scheme. The scheme is primarily for small and marginal farmer families.
9.
As of 2026, what is the annual financial assistance provided to eligible farmer families under the Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) scheme?
A Rs. 4,000 in two equal installments
B Rs. 6,000 in three equal installments
C Rs. 8,000 in four equal installments
D Rs. 10,000 in five equal installments
Answer: B
Under the PM-KISAN scheme, eligible farmer families receive Rs. 6,000 per annum, paid in three equal installments of Rs. 2,000 each, every four months. This amount has remained consistent since the scheme's inception.
