Imagination is the beginning of Creation

” Imagination will often carry us to worlds that never were. But without it we go nowhere”. – Carl Sagan

Imagination is not only fun but also liberating. It liberates us from the gravity of what we know as real and as possible, opening up avenues that never existed before. Imagination leads us to better and better versions of ourselves just like a high-definition TV is clearer, crisper and more dynamic version of the first black and white TVs from last century. How about we take on the activity of lifting all restrictions and all constraints on who we are and what is possible for us and create a brand new vision for our lives? This does not mean we need to drop all that is great about ourselves and start from scratch

. We just take ourselves as we are and where we are and build from there. Let’s see if new realizations and discoveries about our inner desires and dreams are revealed to us. We can start there. From that, we can cherry-pick and with complete attention design the vision we want for ourselves and create goals to bring us there. Let your imagination give you wings.

 In short, to “Imagine”, is to reason. Imagining is to the mind, what beating is to the heart, a cavalier, incognizant, untamable reflex; so why write an essay on the basis of such a monotonous concept, the answer is simple, I do not intend to. My favorite word is, “Imagination”. You see whilst to imagine is to take a step to preserving life, it is imagination that qualifies us to imagine. People fear the feral nature of the mind, because its capacity is endless, it encompasses every feeling ever felt, every thought ever had, and yet still opens its doors to the unknown.

The untrained mind is a beautiful thing, because it holds no prejudice, it is saturated with one’s most sincere and candid beliefs, it is so true unto itself that one must solicit the mind to liberate the words to speak. If the makings of the mind could be projected for all to see, a whole new life would be born, broadening the spectrum from romantic to sinister idealism, with all in between having their essence crudely accentuated.

Though it is fascinating to delve into the depths of the mind, “Imagination” is to each its own, and for the absence of an oral medium, we must make our peace with the words we speak. “Imagination” in its truest, most organic form, is too innocent and naďve to feature in reality. If there is a world outside the one we live in, then let it be a creation of the mind, for in the words of John Lennon “You may say I’m a dreamer, but I’m not the only one”.

The importance and influence of imagination on the creation and critique of literature varies between and within various artistic eras. Originally seen as an aberrant function of the mind, imagination was subservient to the powers of reason and order. Art involved mere replication of the real, a craft rather than an unique act of creation. Beginning as early as Aristotle, however, human imagination has been linked to the power and value of art. The ascendancy and, in some eras even superiority, of imagination as a potent mental faculty gave birth to new critical enterprises bent on articulating the manner, motivation, and merit embedded in art and the artistic process. 

Imagination is a natural structure of the mind which must be trained or attuned to appreciate the greatness of art, to develop a meaningful standard of taste. Where Hume addresses the critic, Johnson’s attention is fixed on the writer and the duty of each writer “to increase prudence without impairing virtue”. Imagination is both the key and the obstacle to Johnson’s moral vision of art. In order to inspire an audience toward goodness, an artist must possess a fertile and ever expanding imagination. “Whatever is beautiful, and whatever is dreadful, must be familiar to his [the poet’s] imagination… for every idea is useful for the enforcement or decoration of moral and religious truth”.

Imagination is good when its powers are given direction, moral purpose. Johnson assumes a somewhat utilitarian attitude toward imagination; the value of imagination is dependent on its usefulness in attaining or helping others to attain virtue. Unchecked, imagination promotes virtue and vice ambivalently. Imaginative freedom must only exist within the bounds of an imminently rational moral code. Romantic critics turn the Eighteenth Century division between reason and imagination to their own poetic and critical purposes. 

Imagination is a creative power that is necessary for inventing an instrument, designing a dress or a house, painting a picture or writing a book. George Bernard Shaw. Imagination is not only fun but also liberating.

Imagination, also called the faculty of imagining, is the ability of forming mental images, sensations and concepts, in a moment when they are not perceived through sight, hearing or other senses. Imagination is the work of the mind that helps create. Imagination helps provide meaning to experience and understanding to knowledge; it is a fundamental facility through which people make sense of the world, and plays a key role in the learning process. Imagination is the faculty through which we encounter everything. The things that we touch, see and hear coalesce into definite forms through the processes of our imagination.

One person I’m glad I met

We all meet people in our lives, and they shape us into the people we are, whether we are aware of it or not. However, there are some people in our lives who know just how much they have changed our lives, and have helped us to become the person we are today.

The one person I am glad to have met is one of my best friend, life, love, other half. We met way back when i was in ninth grade, when I was young and foolish, and had a very narrow mindset about a lot of things. However, through the year, we became good friends, and I slowly felt myself becoming more open minded.

The one year of school we drifted, until high school brought us back, and from there our amazing friendship flourished. I learned many new things from him. I learned what it means to be adventurous, not care what people think, stand up for myself and I became more aware of the world around me, and more open minded about things I definitely wasn’t open minded about before.

He made me a better person, one that I am proud of today, and if it weren’t for him, I might not be this person that I am.

I’ve learned to question things. I’ve been inspired to create things, think things, do things I’ve never created, thought of or done before. He has brought wonder and magic into my life, and stern words and important lessons that I’ve needed to hear as well, all when necessary.

Meeting you may have been a blessing in disguise. At first I thought you were just another guy, but I soon figured out this wasn’t the case. You were different.

You showed me what it’s like to meet someone and have an instant, undeniable connection with them. That type of connection which makes you question every other emotion you’ve had towards someone.

You showed me that I am capable of having feelings for someone even though I’ve felt so numb to the world for so long.  I had so many reasons to push down almost every emotion. There was pain and anger and uncontrollable heartbreak. But you lit a spark under my heart.

Thank you for that.

You showed me that someone is capable of being interested in me even though I’ve convinced myself I am the girl no one will never love. So, I owe practically my life to him. I wouldn’t be the person I am without him, and for that, I feel blessed.

CBSE Class 10, 12 results 2020: Timeline of what has happened so far

CBSE Class 10, 12 results 2020: The COVID-19 outbreak not only hampered this year’s academic schedule of the board, but also of the coming year as the board was compelled to reduce the syllabus.

CBSE Class 10, 12 results 2020: In what seems to be a first, the Central Board of Secondary Education (CBSE) recently cancelled the board examinations, taking note of the situation prevailing due to the coronavirus pandemic. The CBSE class 10, 12 students will now get their results by July 15, under a special scheme.

The COVID-19 outbreak not only hampered this year’s academic schedule but also had an impact on the coming academic year. With schools shut and lesser instructional hours for teachers, the board has reduced the syllabus for the 2021 batch.

June: CBSE cancels pending 10th, 12th exams

Deviating slightly from its earlier stance, CBSE decided against conducting the class 10 board exams, while class 12 students were to have an option to appear for the pending exams later. The students who thought they were disadvantaged by the internal assessment system were given a chance to opt for improvement exams at a later date. The date is yet to be announced.

HRD minister Ramesh Pokhriyal discusses CBSE exam result

HRD Minister Ramesh Pokhriyal Nishank on Tuesday, July 7 held a meeting with officials of the ministry and Delhi University regarding a synchronised calendar for varsity admission and board exam results.

Smart Cities Mission

National Smart Cities Mission is an urban renewal and retrofitting program by the Government of India with the mission to develop smart cities across the country, making them citizen friendly and sustainable.The Union Ministry of Urban Development is responsible for implementing the mission in collaboration with the state governments of the respective cities. The mission initially included 100 cities, with the deadline for completion of the projects set between 2019 and 2023. On 7 September 2019, the 10,000-acre Aurangabad Industrial City (AURIC) in Aurangabad, Maharashtra was inaugurated as the first greenfield industrial smart city of India.

Cities accommodate nearly 31% of India’s current population and contribute 63% of GDP (Census 2011). Urban areas are expected to house 40% of India’s population and contribute 75% of India’s GDP by 2030. This requires comprehensive development of physical, institutional, social and economic infrastructure. All are important in improving the quality of life and attracting people and investment, setting in motion a virtuous cycle of growth and development. Development of Smart Cities is a step in that direction.

The Smart Cities Mission is an innovative and new initiative by the Government of India to drive economic growth and improve the quality of life of people by enabling local development and harnessing technology as a means to create smart outcomes for citizens.

Smart Cities focus on their most pressing needs and on the greatest opportunities to improve lives. They tap a range of approaches – digital and information technologies, urban planning best practices, public-private partnerships, and policy change – to make a difference. They always put people first.

In the approach to the Smart Cities Mission, the objective is to promote cities that provide core infrastructure and give a decent quality of life to its citizens, a clean and sustainable environment and application of ‘Smart’ Solutions. The focus is on sustainable and inclusive development and the idea is to look at compact areas, create a replicable model which will act like a light house to other aspiring cities. The Smart Cities Mission is meant to set examples that can be replicated both within and outside the Smart City, catalysing the creation of similar Smart Cities in various regions and parts of the country.

The total number of 100 Smart Cities have been distributed among the States and UTs on the basis of an equitable criteria. The formula gives equal weightage (50:50) to urban population of the State/UT and the number of statutory towns in the State/UT. Based on this formula, each State/UT will, therefore, have a certain number of potential Smart Cities, with each State/UT having at least one. The number of potential Smart Cities from each State/UT will be capped at the indicated number. This distribution formula has also been used for allocation of funds under Atal Mission for Rejuvenation and Urban Transformation – AMRUT.

The distribution of Smart Cities will be reviewed after two years of the implementation of the Mission. Based on an assessment of the performance of States/ULBs in the Challenge, some re-allocation of the remaining potential Smart Cities among States may be required to be done by the Ministry of Urban Development.

What makes life beautiful?

The most beautiful thing about our life is that it works in a mysterious way. Sometimes, dwelling upon the past, clinging to things we desire most, chasing our passion, overthinking our problems don’t help us much and we find ourselves stuck at the same place even after years with slight or no change in our lives.

May be sometimes it’s essential to be truthful to ourselves and keep doing what we are meant to do every single day because it would just take one second for every thing to change. A single decision of someone, one random event, thought or proposal and our life will change it’s entire course. Read that again because the message is more powerful than we think.

For years, I have been imagining myself on a magical stage, with an overhead spotlight, glistening every cell of my outer body. My eyes are sparkling, heart sinking in fear and yet I am holding myself all together in front of the huge crowd whose faces are barely vivid. I see myself taking small walk on stage, gesturing my hands, occasionally stopping to make a point and smiling at my audience. I have witnessed myself doing this in the closed room with no particular intention in my mind. I have practiced telling stories, rehearsed in front of the mirror, recorded my audio, listened how my voice sounded while I spoke and all that I have imagined is about to happen.

The power to imagine things and events happening for real in front of our eyes, mind and in our dreams is beyond comprehensible. Everything that I have achieved and enjoyed in my short life is the manifestation of the image I created in my mind. I always imagined being surrounded by quality people, eating healthy food, earning just sufficient money, being loved, writing and inspiring others through my actions and that’s exactly how my life has unfolded. I have never asked for any of this exclusively. I have only imagined myself in a situation which I prefer and where I find myself physically and emotionally comfortable.

Visualisation is one step ahead of positive thinking. The research has proved that our subconscious mind doesn’t know the difference between what we want and what we don’t, what is right and what is wrong. All it does is, bring to life the thoughts and characters we create inside our mind.

We can easily see that when, instead of letting the hungry husband dive into the sumptuous dinner before us, for example, he’ll still have to wait because we are going to take pictures first (for IG perhaps!) before the nice arrangement is messed up. Instead of sitting quietly down to dinner, thank the Lord for the good food and ask Him to bless it, then share it with the ones we love gathered around, our thoughts and actions are centered on sharing it first to the world. We make these little decisions for the sake of the world and not for us.

Now, if we fail to show our moments to the world before they come to pass, we feel like there’s something lacking in our lives. But, this shouldn’t be the case. Our lives should be lived to satisfy us and not the world through its “likes and comments”.

Is life beautiful because a photo shared is scooping up “likes” by the hundreds or even thousands? Is that the gauge?

I’m learning, dear readers, I’m learning!

What makes life beautiful? Is it what people see on the outside? Or is it essentially the life on the inside, the one that cannot be seen? The one that is sturdily connected to its Creator and Sustainer and Savior? The one that is whole and full and complete enough in its God it doesn’t need glorying in “likes”? The one that doesn’t need to show off because it is happy and contented in itself?

I am learning hard, yes, on how to live this one life in contentment in God and not in the world. Sometimes, we think that striving to make our lives beautiful for others to admire and emulate is the way to happiness, but I believe that we need to create first a place in our inmost being that is authentically contented, happy, and grateful before it can even be called beautiful. Our lives should deeply satisfy us first before it can attempt to satisfy others. They should be loved, cherished, and made happy first before they can even be useful to others.

I used to think that adorning and surrounding my life with beautiful things – scented candles, pretty English teacups, flowers arranged in a crystal vase, lovely and comfortable bedroom with walls and covers in perfect harmony (you get the picture) – will somehow cover the want in other areas, such as the lack of health and the absence of travel because of it. These things could temporarily bring comfort and joy and even peace, but in no way can they reach that place in the heart and soul where true and enduring happiness and contentment reside, if in the very first place they aren’t there. The true state of the heart, mind, and soul will determine whether the life that they support is beautiful or wanting.

Stand-Up India

Stand-Up India was launched by Government of India on 5 April 2016 to support entrepreneurship among women and SC & ST communities. It is similar to but distinct from Startup India.

The Stand up India scheme aims at promoting entrepreneurship among women and scheduled castes and tribes. The scheme is anchored by Department of Financial Services (DFS), Ministry of Finance, Government of India.

Stand-Up India Scheme facilitates bank loans between Rs 10 lakh and Rs 1 Crore to at least one Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman borrower per bank branch for setting up a greenfield enterprise. This enterprise may be in manufacturing, services or the trading sector. In case of non-individual enterprises at least 51% of the shareholding and controlling stake should be held by either an SC/ST or woman entrepreneur.

Eligibility

  • SC/ST and/or woman entrepreneurs, above 18 years of age.
  • Loans under the scheme is available for only green field project. Green field signifies, in this context, the first time venture of the beneficiary in the manufacturing or services or trading sector.
  • In case of non-individual enterprises, 51% of the shareholding and controlling stake should be held by either SC/ST and/or Women Entrepreneur.
  • Borrower should not be in default to any bank/financial institution.

The scheme offers bank loans of between ₹10 lakh (US$14,000) and ₹1 crore (US$140,000) for scheduled castes and scheduled tribes and women setting up new enterprises outside of the farm sector.

How to Apply

A person can apply the application for a loan under the Stand Up India scheme under three ways:

  • Directly at the Banks Branch
  • Stand Up India Portal
  • Lead District Manager (LDM) – List of LDM available on Stand Up India portal

Documents Required

  1. Proof of Identity: Voter’s ID Card / Passport / Driving License / PAN Card / Signature identification from present bankers of the proprietor, partner of the director ( if a company)
  2. Proof of residence: Recent telephone bills, electricity bill, property tax receipt /Passport/voter’s ID Card of Proprietor, partner of Director (if a company)
  3. Proof of Business Address
  4. Applicant should not be a defaulter in any Bank/F.I.
  5. Memorandum and articles of association of the Company / Partnership Deed of partners etc.
  6. Assets and liabilities statement of promoters and guarantors along with latest income tax returns.
  7. Rent Agreement (if business premises on rent) and clearance from pollution control board if applicable.
  8. SSI / MSME registration if applicable.
  9. Projected balance sheets for the next two years in case of working capital limits and for the period of the loan in case of term loan
  10. It offers photocopies of lease deeds/ title deeds of all the properties as primary and collateral securities.
  11. Documents to establish whether the applicant belongs to SC/ST Category, wherever applicable.
  12. Certificate of incorporation from ROC to establish whether the majority stakeholding in the company is in the hands of a person who belongs to SC/ST/Woman category.
  13. Profile of the unit (includes names of promoters, other directors in the company, the activity undertaken addresses of all offices and plants, shareholding pattern etc.
  14. Last three years balance sheets of the Associate / Group Companies (if any).
  15. Project report (for the proposed project if it requires term funding is required) containing details of the machinery to be acquired, from whom to be acquired, price, names of suppliers, financial details like capacity of machines, capacity of utilization assumed, production, sales, projected profit and loss and balance sheets for the tenor of the loan, the details of labour, staff to be hired, basis of assumption of such financial details etc.
  16. Manufacturing process if applicable, a major profile of executives in the company, any tie-ups, details about raw material used and their suppliers, details about the buyers, details about major-competitors and the company’s strength and weaknesses as compared to their competitors etc.

Why corporate culture is soo important in business?

Corporate world

It’s a formal world where work counts more than anything else. Hence maintaining a professional attitude will help you cope. Learning to behave professionally can’t be learned in a day or two but it is a gradual process. Be a professional at all levels, and each minute.

” The corporate world has the resources to improve the world. It’s where people live and work”. – Douglas Conant

The above quote is truly said that a corporate world can improve the world with its own talent, its own behaviour, with the proper discipline where people can learn and work carefully and with responsibility.

Corporate culture

Corporate culture refers to the shared values, attitudes, standards, and beliefs that characterize members of an organization and define its nature. Corporate culture is rooted in an organization’s goals, strategies, structure, and approaches to labor, customers, investors, and the greater community. As such, it is an essential component in any business’s ultimate success or failure. 

Ever work at a company where you felt like your boss didn’t care about your development, didn’t care if you did well, and only saw you as a resource and didn’t value your contributions?  The truth is, most of us have.

On the other hand, companies that promote leadership and productivity, and place emphasis on employee development is the type of environment we all strive to be a part of. These types of companies typically have a diverse and well-developed company culture.

Businesses with a positive company culture are more likely to succeed and have a higher retention rate because they invest in their employees.

This article will highlight three good reasons why having a strong company culture is important to the success of your business. 

Builds Company Image

When you develop and communicate a strong company culture, it’s a direct reflect on your company’s core values . When you can identify what is important for your company, you can help to foster those values and practices in your employees.

It all starts with you. Lead by example and communicate your expectations to your employees. Good company culture starts at the top, if you don’t practice the values that you preach, your employees won’t practice them either.

Developing a strong company culture helps build a positive image that will attract new employees.  People are attracted to companies that have individuals who share similar values.

When you showcase the culture that you promote in the workplace, it allows others to see how you treat employees and how you relate with others apart from what you do. This should all be incorporated in your online presence since it will show others what you value as a company.

why organizational culture is important

1. It defines your company’s internal and external identity

Here’s a thought exercise: write down on a piece of paper five attributes that best describe your organization’s culture. You might write something like “good work-life balance” or “lots of meetings” or maybe “team-oriented.”

2. Organizational culture is about living your company’s core values

Your culture can be a reflection (or a betrayal) of your company’s core values. The ways in which you conduct business, manage workflow, interact as a team, and treat your customers all add up to an experience that should represent who you are as an organization and how you believe a company should be run. In short, your culture is the sum of your company’s beliefs in action.

But if your espoused values don’t match your culture, that’s a problem. It could mean that your “core values” are a list of meaningless buzzwords, and your people know it.

A strong organisational culture keeps your company’s core values front and center in all aspects of its day-to-day operations and organizational structure. The value of doing so is incalculable.

3. Your culture can transform employees into advocates (or critics)

One of the greatest advantages of a strong organizational culture is that it has the power to turn employees into advocates.

Your people want more than a steady paycheck and good benefits; they want to feel like what they do matters. And when your people feel like they matter, they’re more likely to become culture advocates—that is, people who not only contribute to your organization’s culture, but also promote it and live it internally and externally.

Conclusion

These are just a smattering of reasons why organizational culture is important, but they’re a good starting point to get you thinking about what your own organization brings to the table. What’s important at your company might be totally different depending on the situation.

Pradhan Mantri Mudra Yojana

The Government of India launched a flagship scheme called Prime Minister Mudra Yojana (PMMY) on 8th April 2015 to extend affordable loans to the non-corporate, non-farm micro and small enterprises to cater to their funding needs. One of the major aims of MUDRA loans was to bring the target audience into the formal financial fold.

Micro Units Development & Refinance Agency Ltd. (MUDRA) is a new institution set up by Government of India to provide funding to the non-corporate, non-farm sector income generating activities of micro and small enterprises whose credit needs are below ₹10 Lakh.

Under the aegis of Pradhan Mantri MUDRA Yojana (PMMY), MUDRA has created three products i.e. ‘Shishu’, ‘Kishore’ and ‘Tarun’ as per the stage of growth and funding needs of the beneficiary micro unit. These schemes cover loan amounts as below:

  1. Shishu: covering loans up to ₹50,000
  2. Kishore: covering loans above ₹50,000 and up to ₹5,00,000
  3. Tarun: covering loans above ₹5,00,000 and up to ₹10,00,000

All Non-Corporate Small Business Segment (NCSBS) comprising of proprietorship or partnership firms running as small manufacturing units, service sector units, shopkeepers, fruits/vegetable vendors, truck operators, food-service units, repair shops, machine operators, small industries, food processors and others in rural and urban areas, are eligible for assistance under Mudra.

Bank branches would facilitate loans under Mudra scheme as per customer requirements. Loans under this scheme are collateral free loans.

Eligibility for MUDRA Loan Application:

Enterprises and entities falling under the following categories comprise MUDRA loan eligibility.

  • All non-corporate non-farm enterprises.
  • Primarily engaged in income generation through manufacturing, trading and services.
  • Where the requirement of credit is for maximum Rs.10 lakhs or lower.
  • Engaged in allied agriculture services since 1st April 2016.

How to apply for MUDRA loan at a financial institution?

Individuals have to follow the steps mentioned below to apply for MUDRA loan:

  • Step 1.Keep the necessary documents ready
    Applicants need to have the necessary documents required to avail a MUDRA loan. These include identity proof (Aadhaar, Voter ID, PAN, Driving License, etc.), address proof (electricity bill, telephone bill, gas bill, water bill, etc.), proof of business (business registration certificate, etc.).
  • Step 2.Approach a financial institution
    Individuals can apply for a MUDRA loan with almost all leading financial institutions in India.
  • Step 3.Fill in the loan application form
    Applicants then have to fill the MUDRA loan application form and furnish their personal and business details. They also have to ascertain the amount they want to avail before knowing how to apply for MUDRA loan scheme.

Under the PMMY scheme, one can apply for 3 types of MUDRA loans:

  1. Sishu – Covers loans up to Rs.50,000 for starting a business or for businesses in its early stages.
  2. Kishor – Covers loans up to Rs.5 Lakh for already established businesses seeking additional funding.
  3. Tarun – Covers loans up to Rs. 10 Lakh for well-established businesses meeting certain eligibility.

Rashtriya Swasthya Bima Yojana

RSBY has been launched by Ministry of Labour and Employment, Government of India to provide health insurance coverage for Below Poverty Line (BPL) families. The objective of RSBY is to provide protection to BPL households from financial liabilities arising out of health shocks that involve hospitalization.

Eligibility

  • Unorganized sector workers belonging to BPL category and their family members (a family unit of five) shall be the beneficiaries under the scheme.
  • It will be the responsibility of the implementing agencies to verify the eligibility of the unorganized sector workers and his family members who are proposed to be benefited under the scheme.
  • The beneficiaries will be issued smart cards for the purpose of identification.

Benefits

The beneficiary shall be eligible for such in – patient health care insurance benefits as would be designed by the respective State Governments based on the requirement of the people/ geographical area. However, the State Governments are advised to incorporate at least the following minimum benefits in the package / scheme:

  • The unroganised sector worker and his family (unit of five) will be covered.
  • Total sum insured would be Rs. 30,000/- per family per annum on a family floater basis.
  • Cashless attendance to all covered ailments
  • Hospitalization expenses, taking care of most common illnesses with as few exclusions as possible
  • All pre-existing diseases to be covered
  • Transportation costs (actual with maximum limit of Rs. 100 per visit) within an overall limit of Rs. 1000.

Funding Pattern

  • Contribution by Government of India: 75% of the estimated annual premium of Rs. 750, subject to a maximum of Rs. 565 per family per annum. The cost of smart card will be borne by the Central Government.
  • Contribution by respective State Governments: 25% of the annual premium, as well as any additional premium.
  • The beneficiary would pay Rs. 30 per annum as registration/renewal fee.
  • The administrative and other related cost of administering the scheme would be borne by the respective State Governments

Enrollment process

SMART CARD

Smart card is used for a variety of activities like identification of the beneficiary through photograph and fingerprints, information regarding the patient. The most important function of the smart card is that it enables cashless transactions at the empanelled hospital and portability of benefits across the country. The authenticated smart card shall be handed over to the beneficiary at the enrollment station itself. The photograph of the head of the family on the smart card can be used for identification purpose in case biometric information fails.

Some important Frequently Asked Questions:

Where can I get the application form for RSBY?

You can download the Rashtriya Swasthya Bima Yojana Application Form Pdf from your respective state government’s website.Why are the beneficiaries charged Rs. 30 when the government is paying for the scheme?

The amount borne by the beneficiaries i.e. Rs. 30 is simply the registration fee that helps the Nodal agency to cover the administrative costs. The actual premium of the policy is borne entirely by the Central and State Government of India.What is the age limit for dependent children to be covered under RSBY?

There is no age limit on the children of the policyholder under RSBY. However, if more than two children are present in a family the policyholder needs to decide which of them will be covered under the plan.Whose biometric information is required at the time of medical emergency?

Any beneficiary can give their biometric information at the time of hospitalization or claim. The presence of the head of the household is not mandatory at the hospital.What kind of endorsements are allowed in the smart card in the middle of the policy period?

Addition and removal of family members is allowed in the middle of the policy period only in case of death and newborn child. An additional member of the immediate family can be added only in case of the death of a beneficiary.Who can enrol under Rashtriya Swasthya Bima Yojana?

Any member belonging to the below poverty line can enrol under this scheme. This plan is beneficial especially for rickshaw pullers, rag pickers, mine workers, sanitation workers, drivers of commercial workers, etc.