Kurukshetra August 2019 : - Union Budget 2019-20 (Part 2) (Download PDF)


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Union Budget 2019 - 20: Towards A Healthy India: Figure 1: Allocation for the Health Sector in Union Budget 2019 - 20 ( Rs. Cr. ) Ideally the Union Health Budget should have been raised to approximately Rs. 70,000 Cr. in 2019 - 20 in line with the NHP 2017 target. However, an allocation of Rs. 62,659.12 Cr. Is also fairly substantial & could perhaps be enhanced in the coming years as the flagship programmes of the CG such as Ayushman Bharat are scaled up by States. Allocations for several key programmes in the health sector such as Ayushman Bharat, National AIDS Control Programme & National AYUSH Mission, among others, have been increased substantially.

Image show on the Health Sector in Union Budget

Image Show on the Health Sector in Union Budget

Image show on the Health Sector in Union Budget

Figure 2: Expenditure on Medical & Public Health & Family Welfare – As Ratio to Aggregate Expenditure

Image show on Medical & Public Health & Family Welfare

Image Show on Medical & Public Health & Family Welfare

Image show on Medical & Public Health & Family Welfare

Figure 3: Allocation for Key Health

Image Show on Allocation for Key Health

Image Show on Allocation for Key Health

Image Show on Allocation for Key Health

  • The scheme has received a significant boost in the 2019 - 20 Union Budget, w/its allocation increasing to Rs. 6,556 Cr. from Rs. 2,700 Cr. (RE 2018 - 19), a jump of over 142 %.

National AIDS & STD Control Programme

  • The HIVTB co – infection, in particular needs tremendous attention given that India is grappling w/a significant burden of TB & the Prime Minister has on several occasions reiterated India’s commitment to eliminating TB by 2025, five years ahead of the global target.

Nutrition, Drinking Water & Social Welfare

  • The National Nutrition Mission (POSHAN Abhiyaan), for instance, is allocated Rs. 3,400 Cr. compared to Rs. 3061.3 Cr. (RE 2018 - 19), an increase of over 11 %.
  • The allocation for the National Rural Drinking Water Mission by 82 % from Rs. 5,500 Cr. (RE 2018 - 19) to Rs. 10,001 Cr. (BE 2019 - 20).

Figure 4: Union budget 2019 - 20 Allocation for key Schemes impacting Health Outcomes (RS. Cr. )

Image Show on key Schemes impacting Health Outcomes

Image Show on Key Schemes Impacting Health Outcomes

Image Show on key Schemes impacting Health Outcomes

Banking & Financial Inclusion

Self Help Group Bank Linkage Programme (SBLP)

  • As on March 31,2018,87.44 lakh Self Help Groups have been linked w/banks w/savings aggregating Rs. 19,592 Cr. Further, 50.2 lakh SHGs had loans outstanding aggregating Rs. 75,598 Cr. As on March 2018.

Kisan Credit Cards (KCCs) & General Credit Cards (GCCs)

  • Under the scheme, both owner cultivators as well as landless cultivators avail credit to meet their needs at subsidized rates of interest. Thru the KCC, the farmers get bank loan for a variety of purposes in agriculture & allied sectors.

Banking Outlets in villages

  • The number of banking outlets in villages, which was 67,694 in 2010, increased to 5,69,547 in 2018 at an annual rate of 26.7 %.

Prime Minister Jan Dhan Yojana (PMJDY)

  • The major features of the scheme include: (i) the facility to open a basic savings bank deposit (BSBD) account in any bank branch or BC outlet; (ii) accidental insurance cover & life insurance cover; & (iii) an overdraft (OD) facility after satisfactory of the account for six months.

Banking & Financial Inclusion in Union Budget 2019 - 20

  • The budget pitched for additional power with the Reserve Bank of India over the NBFCs & Housing Finance Companies to provide uniform regulatory environment to the lending segment.

Inclusive Farmers

  • Agriculture is the backbone of our country & is a major employment generator. Recent announcement in the budget for promoting 10,000 Farmer Producer Organizations (FPOs) is a welcome step.

Women – led initiatives for inclusion

  • Women empowerment various schemes such as MUDRA, Stand-up India & the Self Help Groups (SHGs). Thru the budget, the Govt. has re-affirmed to expand Interest Subvention Programme to the Women SHGs in all districts.
  • Rs. 5,000 will be allowed for every verified women SHG member having a Jan Dhan Bank account.
  • Rs. 1 lakh under the MUDRA Scheme.

Inclusive growth thru MSMEs

  • The Govt. also launched the Pradhan Mantri Karam Yogi Maandhan Scheme (PMKYM) in which pension benefits would be extended to about 3 Cr. retail traders & small shopkeepers having an annual turnover less than Rs. 1.5 Cr.

Digital Inclusion

  • The budget has also vowed for internet connection in local bodies in every Panchayat under Bharat-Net to bridge rural-urban divide. w/the announcement of the scheme, the Digital India programme in rural India will get a further boost. According to Finance minister, as many as 2 Cr. rural Indians are now digitally literate as part of the Garmin Digital Saksharta Abhiyan & it is expected that as many as 6 Cr. rural households will be covered as part of the Abhiyan.

Way Forward

  • As technology can play a pivotal role to make branchless banking a reality, banks may use mobile banking, micro – ATM & Business Correspondent model to reach the unreached & bank the unbanked. It is also expected that Agri - tech startups may provide the latest technology & link the farmers with market for better returns.

Rural Education

  • The report seeks to address the challenges of: (i) access, (ii) equity, (iii) quality, (iv) affordability, & (v) accountability.
  • Support to IITs, Rastriya Uchhatar Shiksha Abhiyan (RUSA), Scheme for transformational & advanced research in Sciences (STARS), Scheme for Promotion of Academic & Research in Sciences (STARS), Scheme for Promotion of Academic & Research Collaboration (SPARC), Impactful Policy Research in Social Science (IMPRESS) & Impacting Research Innovation & Technology (IMPRINT), are among the schemes which have got considerable allocations in the budget.

Education - Budget 2019 Highlights

  • National education Policy to propose major changes higher education.
  • Study in India.
  • Setting up of National Research Foundation to fund & promote research.
  • New age skills.

Draft National Education Policy

  • Of the total Rs. 94,853.64 Cr. Allocated to education in Budget 2019 - 20, Rs. 56,536.63 Cr. have been pegged for the school sector & Rs. 38,317.01 Cr. is allocated to the higher education. In the school sector, Rs. 36,322 Cr. Will be allotted to Samara Shikha Abhiyan. The mid – day meal programme is allocated

Rs. 1,000 Cr. The budget allocates the teachers training & adult education only Rs. 125 Cr. There is an increase of over 13 % in outlay for education sector as compared to 2018 - 19.

Higher Education

To improve the overall quality of higher education, it gives the following suggestions:

  • Regulatory structure & accreditation.
  • Establishing new higher education institutions.
  • Strengthening the existing higher education institutions.
  • Setting up of National Research Foundation.
  • Professional Development of faculty.
  • Optimal learning environment.
  • Starting programmes on Liberal Arts.

Role of Technology

  • The ‘Study Webs of Active Learning for Young Aspiring Minds’ (SWAYAM) is an integrated platform for offering online courses & covering school (9th to 12th) to Post Graduate Level. Till now, 2769 MOOCs (Massive Open Online Courses) have been offered on SWAYAM, wherein about 1.02 Cr. students have enrolled to various courses.

National Sports Education Board under ‘Khelo India’ Scheme

The other important items covered in the budget include:

  • Development of a “Gandhi-pedia” to sensitize youth about Mahatma Gandhi’s ideas;
  • Establishing a dedicated Television Channel for Start-ups. This will have indirect impacts on institutions offering higher education.

Skill & Entrepreneurship Development For Rural India

Labour Market Scenario

  • The unemployment rate (UR) among youth (17.8 %) was more than double the unemployment rate (6 %) among the productive population (15 years & above). The unemployment rate among urban females remains higher as compared to males both among the youth as compared to males both among the youth (27.2 %) & the 15 years & above (10.8 %).

Skilling in Rural Areas: Recent Govt. Initiatives in India

  • As per National Skill Development Corporation (NSDC’s) Sector Specific reports on Human. Resource & Skill Requirements, there would be an incremental requirement of 103.4 million people in the 24 high growth sectors requiring fresh skilling by 2022. In addition, there is a need for constant upskilling & realignment of existing workforce.
  • The number of candidates certified under STT of PMKVY up to 12.03. 2019 was 21.97 lakh & out of these 12.6 lakh & out of these 12.6 lakh candidates reported placement as on 12th June, 2019.
  • Long-term training is provided thru the Industrial Training Institutes (ITIs) run by the State Govt. & there are about 14,494 ITIs with a seating capacity of 33.98 lakh spread across the country.
  • As on 26th January, 2019,15,472 start-ups have been recognized under this programme, 13,176 applications were recognized as Start-ups which created 1,48,897 jobs & 45 % start-ups had at least one or more women directors.

Msmes: Key Component For India’s $5 Trillion Economy

  • They have been able to provide employment to around 120 million persons & contribute around 45 % of the overall exports from India. The sector has consistently maintained a growth rate of over 10 %. About 20 % of the MSMEs are based out of rural areas.
  • A distinctive feature of MSMEs is that a very large proportion of them are concentrated around 6,000 clusters plus 1,157 traditional industrial clusters, 3,091 handicrafts clusters, & 563 handloom clusters.

MSMEs help in:

  • Generating large scale employment;
  • Sustaining economic growth & increase exports; &
  • Making growth inclusive.

Challenges Faced by MSMEs

  • MSME sector covering areas like:
  1. Access to technology;
  2. IPR related issues;
  3. Design-related issues;
  4. Wasteful usage of resources/manpower;
  5. Energy inefficiency & associated high cost;
  6. Low ICT usage;
  7. Low market penetration;
  8. Quality assurance/certification; &
  9. Standardization of products & proper marketing channels to penetrate new markets.

Health For New Rural India

  • There is an additional Rs. 9859.12 Cr. allocated in BE 2019 - 20 against 2018 - 19. The BE 2018 - 19 was Rs. 52800 Cr. & the BE 2019 - 20 stands at Rs. 62659 Cr.
Image Show on Health For New Rural India

Image Show on Health For New Rural India

Image Show on Health For New Rural India

The National Health Policy (NHP) 2017

  • The Govt. has sought to upgrade 1.5 lakh health sub-centers to health wellness centers & introduce a nationwide scheme for pregnant women under which Rs. 6000/- for each case will be transferred.
  • A patient centric feedback system called Meera Aspataal is introduced. The data sets of Meera Aspataal have flagged the important areas for patient dissatisfaction.

Ayushman Bharat

  • Under the Ayushman Bharat-National Health Protection Mission (AB-NHPM) to reduce the healthcare costs of poor & vulnerable groups. The AB-NHPM is a concerted effort to accelerate India’s progress towards achievement of Universal Health Coverage.

A Giant Leap Of Aspirational New India: Sundar Bharat

Swachh Bharat Mission (SBM)

  • Open defecation poses serious threat to the health of children & expose women to social agony & physical attack. ODF would mean the termination of faucal-oral transmission. ODF has two main components (a) enable use of safe technology options for faces disposal. The number of ODF villages has significantly increased since 2015.
  • As on 29.05. 2019,5, 61,014 (93.41 %) villages 2,48,847 gram panchayats (96.20 %) -6,091 blocks (88.60%) & 618 districts (88.41 %) have been declared ODF. Except Goa (5.8 % ODF) followed by Odisha (45.4 %), Telangana (74 %) & Bihar (83 %) most of the States has achieved the 100 % ODF. West Bengal (99.6 %) & Sikkim (97.1 %) are performing better & are near to realizing 100 % ODF coverage (Economic Survey, 2018 - 19).

Financial Provision

  • A total of Rs. 51,314.3 Cr. has been allocated since 2014 - 15 for SBM, out of which, Rs. 48,909.2 Cr. have been released (95.3 %).
  • A provision was made for Extra Budgetary Resources of Rs. 15,000 Cr. of which Rs. 8,698.20 Cr. have already been drawn.
  • During the period of NFHS-3 to NFHS-4, Drinking-water source improved by 2.3 %, sanitation facilities by 29.3 % & use of clean fuels increased by 18.3 %.
  • The Department of Drinking Water & Sanitation, Govt. of India, is setting up an International Centre for Drinking Water Quality (ICDWQ) at Joke, Diamond Harbor Road, Kolkata.

Health & Economy

  • To realize the health goals, i. e. , for all & universal health coverage, enshrined in the National Health Policy 2017, the Govt. has conceived Ayushman Bharat (Healthy India) scheme, covering 40 Cr. of its population ensuring entire medical cost up to Rs. 5 lakhs per year.


  • Sanitation & hygiene are the virtues & a way of life for us as a society & at the individual level, as goes the adage “Cleanliness is next to Godliness”.

- Published/Last Modified on: August 23, 2019


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