Executive Summary:
The Ministry of Social Justice and Empowerment addresses questions regarding welfare schemes and facilities for senior citizens. It details the Atal Vayo Abhyudaya Yojana (AVYAY) and its components, railway concessions, GST considerations, pension schemes, insurance plans, and housing schemes. The document provides expenditure details for AVYAY over the last ten years and clarifies provisions for senior citizens within existing frameworks.
Key Points / Main Content:
Atal Vayo Abhyudaya Yojana (AVYAY):
* Umbrella scheme for senior citizen welfare with seven components.
* Integrated Programme for Senior Citizens (IPSrC): Grants provided to organizations for senior citizen homes, care homes, mobile medicare units, and physiotherapy clinics.
* State Action Plan for Senior Citizens (SAPSrC): Funds released to States/UTs for implementing their action plans since FY 2019-20.
* Rashtriya Vayoshri Yojana (RVY): Provides physical aids and assisted living devices for senior citizens below the poverty line (income not exceeding Rs. 15,000/month), implemented since 2017.
* Elderline: National Helpline for Senior Citizens (14567) for awareness and grievance redressal.
* Training of Geriatric Care Givers: Aims to train 100,000 geriatric caregivers to address the increasing demand.
* Other Initiatives: Efforts to involve elders in building knowledge useful for society.
* Seniorcare Ageing Growth Engine (SAGE): Promotes innovative solutions for elderly welfare through start-ups.
* Expenditure: Details for the last ten years are in Annexure I.
Railway Facilities:
* Lower berths are allotted to senior citizens and women (45+) automatically, subject to availability.
* Quota of lower berths earmarked in various classes for senior citizens, women (45+), and pregnant women.
* Minimum of 7 seats earmarked for senior citizens in local train general compartments.
* Wheelchairs provided free of cost, and Battery Operated Vehicles (BOVs) available at major stations.
* On-board Ticket Checking Staff authorized to allot vacant lower berths to senior citizens, disabled persons, or pregnant women.
* Separate counters at Passenger Reservation System (PRS) centers for senior citizens, women, disabled persons, etc., based on demand.
* Subsidy: Indian Railways provided a subsidy of Rs. 60,466 crore on passenger tickets in 2023-24, amounting to a 45% concession on average.
GST:
* Levied on the supply of goods and services, not on individuals; decisions made by the GST Council.
Atal Pension Yojana (APY):
* Implemented by the Department of Financial Services, launched on 09.05.2015.
* Aims to create a universal social security system, especially for the poor and unorganized sector workers.
* Open to Indian citizens aged 18-40 with a savings account.
* Income tax payers ineligible to join APY from 01.10.2022.
* Subscribers receive a guaranteed minimum pension (Rs. 1000-Rs. 5000/month) after age 60.
Health Coverage:
* Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) extended to all senior citizens aged 70+ irrespective of income.
Housing Schemes:
* Land and Colonization are State subjects.
* Model Guidelines for Development and Regulation of Retirement Homes circulated to States/UTs.
* Real Estate Regulation and Development Act, 2016 (RERA) applies to Retirement Homes.
Impact Analysis:
Senior Citizens:
* Impact: Beneficiaries of welfare schemes (AVYAY), railway concessions, health coverage (AB-PMJAY), and housing guidelines.
* Action Required: Utilize available schemes and facilities, understand eligibility criteria for APY, and be aware of RERA provisions in retirement homes.
States/UTs:
* Impact: Responsible for implementing State Action Plans for Senior Citizens (SAPSrC) and regulating retirement homes.
* Action Required: Develop and implement SAPSrC, incorporate suitable provisions in legislation and regulations based on Model Guidelines for Retirement Homes.
Railway Authorities:
* Impact: Required to provide concessions and facilities to senior citizens.
* Action Required: Ensure availability of lower berths, wheelchairs, and BOVs; maintain separate counters at PRS centers; implement on-board allotment of vacant berths.
Department of Financial Services:
* Impact: Responsible for implementing and managing the Atal Pension Yojana (APY).
* Action Required: Continue managing and promoting APY, ensure eligibility criteria are followed.
Start-ups/Innovators:
* Impact: Opportunity to develop solutions for elderly welfare under the SAGE initiative.
* Action Required: Identify common problems faced by senior citizens and develop innovative products, processes, and services.
Organizations (Providing Services to Senior Citizens):
* Impact: Opportunity to apply for grants under IPSrC to maintain senior citizen homes, care homes, mobile medicare units, and physiotherapy clinics
* Action Required: Apply for grants to improve the quality of life of Senior Citizens, especially indigent senior citizens by providing basic amenities like shelter, food, medical care and entertainment opportunities and by encouraging productive and active ageing.
Key Entities Referenced
Atal Vayo Abhyudaya Yojana (AVYAY): An umbrella scheme implemented by the Department of Social Justice and Empowerment for the welfare of senior citizens, comprising seven components.
Integrated Programme for Senior Citizens (IPSrC): A component of AVYAY, providing grant-in-aid to organizations for maintaining senior citizen homes, continuous care homes, mobile medicare units, and physiotherapy clinics.
State Action Plan for Senior Citizens (SAPSrC): A component of AVYAY, where the Ministry releases funds to States/Union Territories for implementing their action plans for the welfare of senior citizens.
Rashtriya Vayoshri Yojana (RVY): A scheme aiming to provide physical aids and assisted living devices for senior citizens below the poverty line.
Elderline: The National Helpline for Senior Citizens 14567, aimed at generating awareness about relevant Acts, schemes and programs, and to redress grievances of senior citizens.
Seniorcare Ageing Growth Engine (SAGE): An initiative to promote innovative solutions for problems faced by the elderly, identifying and encouraging start-ups for developing products, processes, and services for their welfare.
Atal Pension Yojana (APY): A pension scheme launched on 09.05.2015 with the objective of creating a universal social security system for all Indians, especially those in the unorganized sector.
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PMJAY): A health coverage scheme extended to all senior citizens aged 70 years and above, irrespective of income.
GOVERNMENT OF INDIA
MINISTRY OF SOCIAL JUSTICE AND EMPOWERMENT
LOK SABHA
UNSTARRED QUESTION NO.3758
TO BE ANSWERED ON 12.08.2025
WELFARE SCHEMES FOR THE SENIOR CITIZENS
3758. SHRI ARVIND GANPAT SAWANT:
Will the Minister of SOCIAL JUSTICE AND EMPOWERMENT be pleased to state:
(a) the details of the schemes and facilities provided to the senior citizens by the Government in
the Country, Scheme and State-wise;
(b) the details of the expenditure beared by the Government on such schemes during the last ten
years;
(c) the details of the concession to the senior citizens on railway tickets which was stopped
during Corona pandemic and by when it is likely to be started;
(d) the reasons for which there is no provision to exclude senior citizens from GST;
(e) the details of the action taken by the Government to support senior citizens during the last ten
years;
(f) the details of the taxes collected from various sources from every citizen and the reason for
which there is no pension scheme for all the citizens above 60 years irrespective of their services
and occupations;
(g) the reason for which the Government is not introducing any insurance plans for the senior
citizens;
(h) whether there are any housing schemes proposed by the Government for the senior citizens;
and
(i) if so, the details of such schemes and if not, the reasons therefor?
ANSWER
MINISTER OF STATE FOR SOCIAL JUSTICE AND EMPOWERMENT
(SHRI B.L.VERMA)
(a), (b) & (c): The Department of Social Justice and Empowerment is implementing an umbrella
scheme Atal Vayo Abhyudaya Yojana (AVYAY) for the welfare of senior citizens. The scheme
has seven components. The details of components of the scheme are as follows-
i. IPSrC (Integrated Programme for Senior Citizens)- Under IPSrC, grant-in-aid is
provided to the organisations for maintenance of senior citizen homes (Sr.CH),
continuous care homes (CCH), mobile medicare units (MMU) and physiotherapy clinics.
The objective of the scheme is to improve the quality of life of the Senior Citizens,
especially indigent senior citizens by providing basic amenities like shelter, food, medical
care and entertainment opportunities and by encouraging productive and active ageing.ii. SAPSrC (State Action Plan for Senior Citizens)- The Government of India perceives a
major and critical role of all State/ UT Governments in welfare of senior citizens. Each
State/UT is expected to plan taking into account their local considerations and frame their
own State Action Plans for the welfare of their senior citizens. Under SAPSrC, the
Ministry releases funds to States/UTs for implementation of their action plans. SAPSrC is
being implemented since FY 2019-20.
iii, | RVY (Rashtriya Vayoshri Yojana)- The scheme aims for providing Physical Aids and
Assisted Living Devices for Senior Citizens below poverty line and with the family
income not exceed to Rs. 15,000/-per month. The scheme is being implemented since
2017.
iv. Elderline- The National Helpline for Sr Citizens (14567) is to generate awareness about
the Act, schemes & programmes being executed by different Central & State
Governments and to provide platform to redress grievances of Sr Citizens across the
country.
vii. Training of Geriatric Care Givers- The main objective is to bridge the gap in supply
and increasing demand in the field of geriatric caregivers so as to provide more
professional services to the senior citizens and also to create a cadre of professional care
givers in the field of geriatrics. Considering the acute shortage of Geriatric Caregivers
and the increasing demand in the market, the Department has decided to trained 1,00,000
trainees in the field of Geriatric Care givers in order to meet the demand.
viii. Other Initiatives for Senior Citizens- In order to solve the problems of healthy and
productive ageing, several initiatives are being done across the country. The proposed
initiatives are aimed at involving the elders in building up knowledge which can be useful
for the society as a whole.
ix. Seniorcare Ageing Growth Engine (SAGE)- The main objective is to promote out-of-
the-box and innovative solutions for the commonly faced problems, innovative start- ups
would be identified and encouraged for developing products, processes and services for
the welfare of the elderly.
The expenditure details under AVYAY scheme for last ten years is enclosed at Annexure-I.
(c): The Ministry of Railways extends various facilities to the senior citizens including the
provision to allot lower berth to Senior Citizens, facility of wheelchairs at railway stations
etc. Indian Railways strives to provide affordable services to all strata of the society and gave
subsidy of Rs. 60,466 crore on passenger tickets in 2023-24. This amounts to concession of 45%
on an average, to every person, traveling on Railways. In other words, if the cost of providing
service is Rs. 100, then the price of ticket is Rs. 55 only. This subsidy is continuing for all
passengers. Further, concessions beyond this subsidy amount are continuing for many categories
like 4 categories of Persons with Disabilities (Divyangjans), 11 categories of patients and 8
categories of students. The facilities in detail may be seen at Annexure-II.
(d): GST provisions, rates and exemptions are prescribed on the recommendations of the GST
Council which is a Constitutional body comprising of members from both Centre and the
States/UTs. GST is levied on the supply of goods and services and not on individuals or citizens,
including senior citizens.(f): The Department of Financial Services is implementing the Atal Pension Yojana(APY) which
was launched on 09.05.2015 with the objective of creating a universal social security system for
all Indians, especially the poor, the under-privileged and the workers in the unorganized sector. It
is open to all citizens of India between 18-40 years of age having a savings bank account in a
bank or post-office. For better targeting of guaranteed pension to unorganized sector workers, an
income tax payer shall not be eligible to join APY from 01.10.2022. The subscriber under APY
is required to make a monthly/quarterly/six monthly contribution of an amount determined by
the amount of pension chosen and the age of joining the scheme. The subscriber shall receive a
government guaranteed minimum pension of Rs. 1000 per month, Rs. 2000 per month, Rs. 3000
per month, Rs. 4000 per month or Rs. 5000 per month, after the age of 60 years until death,
depending on the contribution chosen. The spouse of the subscriber shall be entitled to receive
the same pension amount as that of the subscriber after the death of the subscriber. After the
death of both subscriber and the spouse, the nominee of the subscriber shall be entitled to receive
the pension wealth, as accumulated till age 60 of the subscriber. As per the scheme, subscriber
will receive pension benefit on attaining the age of 60 years.
The funds released under APY during last 10 years is as under:
(in Cr)
FY | 2015-] 2016- | 2017- | 2018- | 2019- | 2020- | 2021-]2022-] 2023- | 2024-
16 17 18 19 20 21. | 22 | 23 | 24 | 25
Funds 173 36 167.72 155 | 338.69 | 273 203 | 725 | 481 | 465.05
released
(g): The Government has extended the health coverage of flagship scheme Ayushman Bharat
Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) to all the senior citizens aged 70 years and
above irrespective of income.
(h) & (i): ‘Land’ and ‘Colonization’ fall under Entry 18 of List-II (State List) of the Seventh
Schedule to the Constitution of India, and are thus subjects within the legislative competence of
the State Governments. However, in order to provide a uniform framework and facilitate the
States/UTs, Model Guidelines for Development and Regulation of Retirement Homes were
formulated and circulated by the Central Government. These Guidelines are intended to serve as
a guiding document for States/UTs to incorporate suitable provisions in their respective
legislations and regulations for safeguarding the rights and interests of senior citizens and
retirees residing in Retirement Homes.
Further, the Real Estate (Regulation and Development) Act, 2016 (RERA), enacted by the
Parliament, aims to promote transparency, accountability, and efficiency in the real estate sector.
The provisions of RERA are fully applicable to Retirement Homes, treating them at par with
other real estate projects. This ensures protection of the interests of homebuyers, including senior
citizens and other vulnerable residents from any violations or malpractices by developers.
Furthermore, RERA mandates strict compliance with applicable norms and local laws by real
estate developers during the execution of such projects.
-3-Annexure-I
Annexure to reply of Parts (a) of Lok Sabha Un-starred Question No. 3758 to be answered
on 12/08/2025
Details of Year-wise expenditure under AVYAY scheme during last 10 years
Year Expenditure (in Crores)
2015-16 27.58
2016-17 52.99
2017-18 45.97
2018-19 171.58
2019-20 135.2
2020-21 156.81
2021-22 162.85
2022-23 239.87
2023-24 210.48
2024-25 408.14Annexure-Il
Annexure to reply of Parts (c) of Lok Sabha Un-starred Question No. 3758 to be answered
on 12/08/2025
Details of facilities extended from time to time to Senior citizens by M/o Railways:
i. In the computerized Passenger Reservation System (PRS) there is a provision to allot
lower berths to Senior Citizens, Female passengers of 45 years and above automatically,
even if no choice is given, subject to availability of accommodation at the time of
booking.
ii. A combined quota of six to seven lower berths per coach in Sleeper class, four to five
lower berths per coach each in Air Conditioned 3 tier (3AC) and three to four lower
berths per coach in Air Conditioned 2 tier (2AC) classes (depending on the number of
coaches of that class in the train) has been earmarked for senior citizens, female
passengers 45 years of age and above and pregnant women.
iil. Instructions have been issued for earmarking a minimum of 07 seats for senior citizens in
1" and last 2TM class general compartment for entire period of local train services on
suburban sections of all zonal Railways.
iv. Wheelchairs are provided by Railways and given to attendants of the Persons with
Disabilities (Divyangjans), old aged passengers etc absolutely free of cost to escort them
from and to the trains.
Battery Operated Vehicles (BOVs) are provided at major railway stations to passengers
on ‘first come first served' basis with due preference to Persons with Disabilities
(Divyangjans), Senior Citizens, Sick passengers and Pregnant women. This facility is
provided ‘free of cost' through Corporate Social Responsibility (CSR) and publicity route
as well as on chargeable basis.
vi. After departure of the train, if there are vacant lower berths available in the train and if
any person with disability booked on the authority of handicapped concession or a senior
citizen or a pregnant woman, who has been allotted upper/middle berth, approaches for
allotment of vacant lower berths, the on board Ticket Checking Staff has been authorized
to allot the vacant lower berth to them making necessary entries in the chart.
Vil. Separate counters are earmarked at various Passenger Reservation System(PRS) centers
for dealing with the reservation requisitions received from ladies, persons with disability,
Senior Citizens, Ex. MPs, MLAs, accredited journalists and freedom fighters, if the
average demand per shift not less than 120 tickets. In case there is no justification for
earmarking of an exclusive counter for any of these categories of persons including
ladies, persons with disability or senior citizens, one or two counters depending upon the
total demand are earmarked for dealing with the reservation requests for all these
categories of persons.
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