Consider the following schemes and arrange these in chronological order of their launching: a) Pradhan Mantri Jan Dhan Yojana b) Digital Gender Atlas for Advancing Girls Education in India. c) Pradhan Mantri Suraksha Bima Yojana. d) Mudra Bank Yojana Select the correct answer from the codes given below:

The correct answer is A: a, b, d and c.

The core idea is to place each scheme by its launch date. Here is the sequence:

• a) Pradhan Mantri Jan Dhan Yojana was launched on 28 August 2014 to provide universal access to bank accounts, and it came first.
• b) Digital Gender Atlas for Advancing Girls Education was launched by the Ministry of Human Resource Development in January 2015. It maps district-level gaps in girls' education and sits between the two 2014-15 financial inclusion and social security schemes.
• d) Mudra Bank Yojana (PMMY) was launched on 8 April 2015 to refinance micro-enterprise loans through MUDRA Ltd.
• c) Pradhan Mantri Suraksha Bima Yojana was launched on 9 May 2015, offering accident cover of Rs 2 lakh for a premium of Rs 12 a year.

The wrong options fail on the first or second item. Options B, C and D each place a scheme out of sequence at the start, such as PMSBY or the Atlas coming before PMJDY. For Mains, PMJDY, Mudra and PMSBY together show how the government built its financial inclusion and social security architecture.

Trap: aspirants group all 2015 schemes together and guess. Mudra (April 2015) comes before PMSBY (May 2015), and the Atlas date is the detail to check carefully.