In medical they used to say one simple test for a particular disease replaces hundred of tests suggested to elliminate other diseases .
I will conclude with an fictious loan form filling by an agriculturalist for a loan of Rupees 10000
after filling his aadhar etc he comes to loan section with the help of his B.Sc son with computer knowledge.
Have you got/applied loan under E mudra scheme?
Have you got/applied loan from PMY yogana scheme?
Have you got/applied loan from Atul self develpment scheme?
Have you got/applied loan from national rural development sceme?
Have you got/applied loan from nabard for rehabilating desert land scheme?
Have you got/applied loan from nabard palmirah development scheme?
Have you got/applied loan from state agricultural department for draught relief scheme?
Father: what is it going on? I asked to apply for govt loan. you are trying for a long time.
Son: father. i have to go thro each scheme to find out all about schemes to answer.
father: one simple question whether you have applied loan under any govt scheme would do. but our learned pundits and govt officers would not put such intelligent questions since their intention is not to help but to keep you frightened with folded hands in their presence. more
The idea is to dissuade people from taking benefit under multiple schemes, then turning defaulters and subsequently creating pressure on the government for loan waivers.
The person could answer a simple yes or no to each question. If one is not aware of the various schemes then obviously he will have to spend the time to find out about these schemes. The other option is to visit various government departments and find out about various schemes which is not efficient (in terms of time, money and knowledge).
The good part is that because of the internet and this particular question in the form, the applicant will become aware of various schemes (if he is not aware) and can take benefit of the relevant scheme. more