Saturday, August 29, 2020

National Education Policy 2020 (Part 1- School Education)

The National Education Policy (NEP) 2020 released on July 30, 2020.  The Ministry of Human Resource Development (MHRD) had constituted a Committee for drafting the National Education Policy Chaired by Dr. K. Kasturirangan in June 2017.  The Committee submitted a draft NEP for public consultation in May 2019.  The NEP will replace approx. 30+ year old National Policy on Education, 1986. 

HRD Ministry Renamed as Ministry of Education

GDP in Education is increased from 1.6% to 6%

Key point of NEP segregated in three (3) parts:

1.    School Education

2.    Higher Education

3.    Other Major Reforms in Education policies

  • Revised School Curriculum: The NEP recommends that the existing structure of school education must be restructured to make it more relevant to the needs of students at different stages of their development.  The current 10+2 structure of school education will be redesigned into a 5-3-3-4 design comprising: 
    (i)Five years (05 Year) of foundational stage (for ages 3 to 8)
    (ii)Three years (03 Year) of preparatory stage (for ages 8 to 11 or classes three to five) 
    (iii)Three years (03 Year) of middle stage (for ages 11 to 14 or classes six to eight)
    (iv)Four years (04 Year) of secondary stage (for ages 14 to 18 or classes 9 to 12).
  • Early Childhood Care and Education (ECCE): ECCE consists of play-based and activity based learning comprising of alphabets, language, puzzles, painting, and music for children in early years of their life.  The Committee observed that over 85% of a child’s cumulative brain development occurs prior to the age of six.  It recommends that ECCE for children in the age group of 3-6 should be incorporated in the school structure by following the 5+3+3+4 design of school curriculum. ECCE will be delivered through: 
    (i) Stand-alone aanganwadis, 
    (ii) Aanganwadis located with primary schools, 
    (iii) Pre-primary sections in existing primary schools, and 
    (iv) Stand-alone pre-schools.  
    Further, a national curricular and pedagogical framework for ECCE will be developed by the National Council for Education Research and Training (NCERT).  Aanganwadi workers with senior secondary qualifications and above, will be given a six-month certification programme in ECCE.        
     
  • Achieving foundational literacy and numeracy: The Committee observed that a large proportion of the students currently enrolled in elementary school (over five crore) have not attained foundational literacy and numeracy (the ability to read and understand basic text, and carry out basic addition and subtraction).  It recommends that every student should attain foundational literacy and numeracy by grade three.  To achieve this goal, a National Mission on Foundational Literacy and Numeracy will be setup under the MHRD.  All state governments must prepare implementation plans to achieve these goals by 2025.  A national repository of high-quality resources on foundational literacy and numeracy will be made available on government’s e-learning platform (DIKSHA).    
         
  • Universal coverage & Inclusivity : The Committee observed that while the Right to Education Act, 2009 has been successful in achieving near universal enrollment in elementary education, retaining children remains a challenge for the schooling system.  It noted the declining Gross Enrollment Ratio (GER) as students move to higher grades indicating large dropouts from the schooling system.  GER denotes enrollment as a percent of the population of corresponding age group.   

Further, it noted that the decline in GER is higher for certain socio-economically disadvantaged groups, based on: 
(i) Gender identities (female, transgender persons)
(ii) Socio-cultural identities (scheduled castes, scheduled tribes)
(iii) Geographical identities (students from small villages and small towns) 
(iv) Socio-economic identities (migrant communities and low income households) 
(v) Disabilities.  
It recommends that schemes/policies targeted for such groups should be strengthened.  Further, special education zones should be setup in areas with significant proportion of such disadvantaged groups.  A gender inclusion fund should also be setup to assist female and transgender students in getting access to education.   

  • Revision in School Curriculum Content: Curriculum load in each subject should be reduced to its essential core content to allow for critical thinking, discussion and analysis based learning.  Students should be given more flexibility and choice in subjects of study, particularly in secondary school.  A new and comprehensive national curricular framework for school education will be undertaken by NCERT in accordance with these principles.  This framework can be revisited every 05-10  years.
     
  • Local Language Priority (Mother Tongue): The medium of instruction should be in the local language/mother tongue of the child at least till grade five, and preferably till grade eight (in both public and private schools).  The current three language formula will continue to be implemented.  However, there should be more flexibility in the formula, and no language should be imposed on any state.  The three-language formula states that state governments should adopt and implement study of: 
    (i) Hindi, English and a modern Indian language (preferably a southern language) in the Hindi-speaking states, 
    (ii) Hindi, English and the regional language in the non-Hindi speaking states.  
    The NEP recommends that the three languages should be based on choice of states and students.  However, at-least two of the three languages should be native to India.  Further, Sanskrit should be offered as an option at all levels of education.
     
  • 360 Degree Assessment of students: The Committee observed that the current nature of secondary school exams and entrance exams have resulted in coaching culture, which is causing harm to student learning.  It recommends that the existing system of such exams be reformed.  Board examinations should test only core concepts, and cover a range of subjects.  Students can choose their subjects, and will have the option to take the exams on up to two occasions during a given year.  To track students’ progress throughout their school experience, examinations will be conducted in grades three, five, and eight.  The examination in grade three will test basic foundational literacy and numeracy, and its results will only be used for improvement of the school education system.  Further, a National Assessment Centre will be setup under the MHRD as a standard setting body for student assessment and evaluation.   
     
  • Teacher Training & Management: The existing B.Ed. programme for teacher training will be replaced by a four-year integrated B.Ed. programme that combines high-quality content, pedagogy, and practical training.  Further, teachers will be required to complete a minimum of 50 hours of continuous professional development training every year.  A national curriculum framework for teacher education will be formulated by the National Council for Teacher Education, in consultation with NCERT.  Teachers should not be engaged in non-teaching administrative activities and excessive teacher transfers should be stopped (unless in special circumstances as decided by state governments).
     
  • Effective Governance of Schools: The Committee observed that establishing primary schools in every habitation across the country has helped increase access to education.  However, it has led to the development of schools having low number of students (the average number of students per grade in elementary education was about 14 in 2016-17).  The small size of schools makes it operationally and economically challenging to deploy teachers and critical physical resources (such as library books, sports equipment).  The NEP recommends grouping schools together to form a school complex.  The school complex will consist of one secondary school and other schools, aanganwadis in a 5-10 km radius.  This will ensure: 
    (i) Adequate number of teachers for all subjects in a school complex 
    (ii) Adequate infrastructural resources 
    (iii) Effective governance of schools. 
     
  • Uniform School Regulation: Currently, the Department of School Education is responsible for all functions of governance and regulation of school education.  The Committee observed that this leads to a conflict of interest and centralization of power.  It recommends that the Department should only be involved in policy making and overall monitoring, but not in regulation of schools.  An independent State School Standards Authority should be set up in each state.  It will prescribe basic uniform standards for public and private schools.  A self-regulation or accreditation system will be instituted for schools.
Note : This Article Also Published on Aliska News Portal 

Wednesday, May 6, 2020

National Pension Scheme for Traders and Self-Employed Persons (NPS-Traders) 2019

Brief on National Pension Scheme for Traders and Self-Employed Persons (NPS-Traders) 2019
The scheme is meant for old age protection and social security of retail traders/ shopkeepers and self-employed persons whose annual turnover is not exceeding Rs. 1.5 crore. These retail traders/ shopkeepers and self-employed persons are mostly working as shop owners, retail traders, rice mill owners, oil mill owners, workshop owners, commission agents, brokers of real estate, owners of small hotels, restaurants and other Laghu Vyaparis. 

Eligibility Criteria  
Should be a retail trader/ shopkeeper or self-employed persons
Entry age between 18 and 40 years
Annual turnover is Rs. 1.5 crore or below

Should not be
Engaged in Organized Sector (membership of EPF/NPS/ESIC)
A beneficiary of PM-SYM
An income tax payer
He/ She should possess
1.    Aadhar card
2.    Savings Bank Account / Jan Dhan account number with IFSC

Features: It is a voluntary and contributory pension scheme, under which the subscriber would receive a minimum assured pension of Rs 3000/- per month after attaining the age of 60 years and if the subscriber dies, the spouse of the beneficiary shall be entitled to receive 50% of the pension as family pension. Family pension is applicable only to spouse.

Contribution by the retail traders/ shopkeepers and self-employed persons Through ‘auto-debit’ facility from his/ her savings bank account/ Jan- Dhan account from the date of joining NPS-Traders till the age of 60 years as per the chart below. The Central Government will also give equal matching contribution in his pension account.

Entry Age
Superannuation Age
Member's  monthly contribution
(Rs)
Central Govt's  monthly contribution
Total monthly contribution  (Rs)
(1)
(2)
(3)
(4)
(5)= (3)+(4)
18
60
55
55
110
19
60
58
58
116
20
60
61
61
122
21
60
64
64
128
22
60
68
68
136
23
60
72
72
144
24
60
76
76
152
25
60
80
80
160
26
60
85
85
170
27
60
90
90
180
28
60
95
95
190
29
60
100
100
200
30
60
105
105
210
31
60
110
110
220
32
60
120
120
240
33
60
130
130
260
34
60
140
140
280
35
60
150
150
300
36
60
160
160
320
37
60
170
170
340
38
60
180
180
360
39
60
190
190
380
40
60
200
200
400
Enrollment Procedure: The retail traders/ shopkeepers and self-employed persons will be required to visit the nearest Common Services Centre (CSC) and get enrolled for NPS-Traders using Aadhaar Card and Savings bank/ Jan-Dhan account number on self-certification basis. First subscription to be paid in cash and auto debit from next month onwards. 
Later, facility will be provided where the retail traders/ shopkeepers and self-employed persons can also visit the NPS-Traders web portal or can download the mobile app and self-register using Aadhar number/ savings bank account/ Jan-Dhan account number on self-certification basis.
Enrollment Agencies: The enrollment will be carried out by all the Common Services Centres in the country.
Facilitation Centres: All the Labour offices of State and Central Governments, all the branch offices of LIC, the offices of ESIC/EPFO will act as Facilitation Centres to give full information to the retail traders/ shopkeepers and self-employed persons about the Scheme, its benefits and the procedure to be followed, at their facilitation desks/ help desks.
Fund Management: PM-SYM will be a Central Sector Scheme administered by the Ministry of Labour and Employment and implemented through Life Insurance Corporation of India and CSC e-Governance Services India Limited (CSC SPV). LIC will be the Pension Fund Manager and responsible for Pension pay out.
Exit and Withdrawal: The exit provisions of scheme have been kept flexible.
a. If he/ she exits the scheme within a period of less than 10 years, the beneficiary’s share of contribution only will be returned to him with savings bank interest rate. 
b. If subscriber exits after a period of 10 years or more but before 60 years of age, the beneficiary’s share of contribution along with accumulated interest as actually earned by fund or at the savings bank interest rate whichever is higher.
c. If a beneficiary has given regular contributions and died due to any cause, his/ her spouse will be entitled to continue the scheme subsequently by payment of regular contribution or exit by receiving the beneficiary’s contribution along with accumulated interest as actually earned by fund or at the savings bank interest rate whichever is higher.
d. If a beneficiary has given regular contributions and become permanently disabled due to any cause before 60 years, and unable to continue under the scheme, his/ her spouse will be entitled to continue the scheme subsequently by payment of regular contribution or exit the scheme by receiving the beneficiary’s contribution with interest as actually earned by fund or at the savings bank interest rate whichever is higher.
e. After the death of subscriber as well as his/her spouse, the entire corpus will be credited back to the fund.
Default: If a subscriber has not paid the contribution continuously he/she will be allowed to regularize his contribution by paying entire outstanding dues, along with penalty charges, if any, decided by the Government.
Pension Pay out: Once the beneficiary joins the scheme at the entry age of 18-40 years, the beneficiary has to contribute till 60 years of age. On attaining the age of 60 years, the subscriber will receive by DBT the assured monthly pension of Rs.3000/- with benefit of family pension, as the case may be.
More Details and Grievance Redressal: To know more details and to address any grievances related to the scheme, subscriber can contact at customer care number 1800 267 6888 which will be available on 24*7 basis. Web portal/ app will also have the facility for registering the complaints

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