Government Schemes
65 schemesFind the right government schemes for you and your family.
Showing 65 schemes
Employment
Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA)
Benefit
100 days of guaranteed wage employment per year at current minimum wage rates (₹220–₹357/day depending on state) for every rural household
Any adult member (18+ years) of a rural household willing to do unskilled manual work; must register at the local Gram Panchayat to get a Job Card; no income or caste restriction
Agriculture
Pradhan Mantri Fasal Bima Yojana (PMFBY)
Benefit
Crop insurance covering up to 100% of crop loss; farmer pays only 2% premium for Kharif, 1.5% for Rabi crops — rest covered by government
All farmers (loanee and non-loanee) growing notified crops in notified areas; compulsory for crop loan borrowers; optional for non-loanee farmers who can apply through bank or CSC
Agriculture
Pradhan Mantri Krishi Sinchayee Yojana (PMKSY)
Benefit
55% subsidy on drip/sprinkler irrigation for general farmers; 75% for small, marginal, and SC/ST farmers — covering equipment cost from source to farm
All farmers with agricultural land; priority to small and marginal farmers; farmer cooperatives, SHGs, and FPOs also eligible; land must be own or leased with minimum 7 years of lease remaining
Business
Pradhan Mantri MUDRA Yojana (PMMY)
Benefit
Collateral-free business loans up to ₹20 lakh for micro and small businesses in manufacturing, trading, and services sectors at competitive interest rates
Any Indian citizen above 18 years who is not a farm worker, running or planning a non-farm micro/small enterprise in manufacturing, trading, or services; Allied agriculture activities like horticulture and fisheries also covered; No minimum income; Bad credit cases assessed individually
Housing
Pradhan Mantri Awas Yojana — Gramin (PMAY-G)
Benefit
₹1.20 lakh (plain areas) or ₹1.30 lakh (hilly/northeastern/IAP areas) to construct a pucca house of minimum 25 sq. mt.
Rural households that are houseless or live in zero, one, or two-room kutcha/dilapidated houses as per SECC 2011 data; priority to SC/ST, minorities, widows, disabled persons, and families with no adult male member
Business
PM Vishwakarma Yojana
Benefit
₹15,000 toolkit grant + Vishwakarma Certificate + skill training with ₹500/day stipend + collateral-free loan up to ₹3 lakh at 5% concessional rate
Artisans engaged in one of the 18 traditional hereditary trades (carpenter, boat-maker, armourer, blacksmith, hammer and tool-kit maker, locksmith, goldsmith, potter, sculptor, cobbler, mason, basket/mat/broom maker, doll/toy maker, barber, garland maker, washerman, tailor, fishing net maker); must be 18+ years; the trade must be practiced through family heredity; family must not have availed PMEGP, PM SVANidhi, or MUDRA in the last 5 years
Business
Startup India
Benefit
DPIIT recognition certificate + 3-year income tax holiday under Section 80-IAC + angel tax exemption + 50–80% reduction in patent/trademark fees + priority in government tenders + self-certification for 9 labour laws + faster company winding-up (90 days)
Must be incorporated as Private Limited Company, LLP, or Partnership Firm in India; less than 10 years from date of incorporation; annual turnover must not exceed ₹100 crore in any prior year; must be working towards innovation/development/improvement of products, processes, or services; not formed by splitting or reconstructing an existing business
Business
Udyam Registration (MSME)
Benefit
Free MSME registration with permanent 19-digit URN — unlocks collateral-free priority sector loans, 1–2% interest subvention, delayed payment protection (within 45 days), government tender reservations, and multiple state-level subsidies
Any enterprise in India engaged in manufacturing, trading, or services; Classification — Micro: investment up to ₹1 crore and turnover up to ₹5 crore; Small: investment up to ₹10 crore and turnover up to ₹50 crore; Medium: investment up to ₹50 crore and turnover up to ₹250 crore; Existing Udyog Aadhaar holders must migrate to Udyam
Pension
Pradhan Mantri Shram Yogi Maandhan (PM-SYM)
Benefit
Guaranteed monthly pension of ₹3,000 after age 60; government matches your monthly contribution rupee for rupee
Unorganised sector workers aged 18–40 with monthly income ≤ ₹15,000 — includes street vendors, construction workers, domestic workers, agricultural labourers, beedi workers; must not be covered under EPFO, ESIC, or NPS
Health
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
Benefit
Free cashless health cover up to ₹5 lakh per family per year for hospitalisation at 25,000+ empanelled hospitals
Rural households in SECC 2011 data (kutcha houses, landless labourers, SC/ST families, no adult male member aged 16–59, or a disabled member); urban workers in 11 occupational categories (street vendors, domestic workers, ragpickers, construction workers, etc.); and all senior citizens aged 70 and above regardless of income
Education
Mukhyamantri Abhyudaya Yojana
Benefit
Free coaching for UPSC, UPPSC, JEE, NEET, NDA, CDS, SSC, Bank PO and other competitive exams by IAS/IPS/IFS officers — online and offline modes available at divisional centres
Permanent resident of Uttar Pradesh; no income restriction though priority given to BPL and low-income families; students who have cleared Class 12 or appear in final year of graduation; must be preparing for notified competitive examinations; selection via merit and entrance test
Education
Skill India — Pradhan Mantri Kaushal Vikas Yojana (PMKVY)
Benefit
Free short-duration skill training (3 weeks–3 months) in 200+ industry courses + government-recognized certification + placement assistance + ₹200–₹500/day stipend during training at PMKK centres
Indian citizen aged 18–45 years; school or college dropouts given priority; 10th class pass for most courses (Class 8 pass minimum for some); should not be enrolled in another government-funded skilling program; youth with prior experience can apply for Recognition of Prior Learning (RPL) certification
Education
UP Free Laptop Yojana (Swami Vivekananda Yuva Sashaktikaran Yojana)
Benefit
Free laptop distributed to qualifying 10th and 12th pass students of Uttar Pradesh — supports digital learning, online studies, and skill development
Must be a permanent resident of Uttar Pradesh; must have passed Class 10 or Class 12 from a UP government-recognised board in the current academic year; minimum 65% marks (general category) and 55% for SC/ST students; must be enrolled in further education (Class 11/12 or college); family income and caste criteria may apply in specific rounds
Health
Janani Suraksha Yojana (JSY)
Benefit
Cash assistance of ₹1,400 (rural) or ₹1,000 (urban) per institutional delivery for BPL pregnant women in Low Performing States; ₹700 (rural) or ₹600 (urban) in High Performing States; up to 2 live births
Pregnant women aged 19 and above from BPL or SC/ST families who deliver at a government health facility or accredited private hospital; available for up to 2 live births; must be registered with an ASHA worker or ANM
Education
National Scholarship Portal (NSP)
Benefit
Scholarships ranging from ₹1,000 to ₹25,000+ per year depending on the scheme; covers pre-matric, post-matric, and merit-cum-means scholarships for SC/ST/OBC/minority and general category students
Indian students studying in recognized schools or colleges (Class 1 through postgraduate/professional); specific income limits apply per scheme (typically ₹1–8 lakh family income); separate scholarships for SC, ST, OBC, minority, disabled, and general category students
Education
Jai Bhim Mukhyamantri Pratibha Vikas Yojana
Benefit
Free coaching at Delhi's top empanelled institutes for UPSC, SSC, Railway, Bank PO, JEE, NEET + monthly stipend ₹2,500 (Delhi residents) or ₹5,000 (outstation students) for study materials and living expenses
Must be a resident of Delhi; belongs to SC/ST/OBC/EWS category; family annual income must not exceed ₹8 lakh per year; must appear in any notified competitive examination; can avail only twice under this scheme
Employment
Agneepath Scheme (Agniveer)
Benefit
Annual salary ₹4.76–₹6.92 lakh + Seva Nidhi fund ₹11.71 lakh (tax-free) after 4 years + ₹48 lakh life insurance + skill certification + priority in CAPF/state police/PSU hiring post-service
Indian citizen male/female; age 17.5–23 years (as per 2026 relaxed norms); must pass all physical, medical, and written tests for the chosen service (Army/Navy/Air Force); unmarried at time of enrolment; minimum Class 10 for Army soldier (Class 12 for technical trades); standards vary by post
Employment
Deendayal Antyodaya Yojana — National Rural Livelihoods Mission (DAY-NRLM)
Benefit
SHG Revolving Fund of ₹15,000 per group + Community Investment Fund up to ₹2.5 lakh + bank linkage loans at 7% interest (with 3% subvention for timely repayment) + livelihood skill training + market linkage support
Rural poor household belonging to SHG (primarily targeting BPL and Below Poverty Line families); women-focused scheme — applicant should be a woman in a rural area; households with annual income below ₹1 lakh given priority; eligibility verified by State Rural Livelihood Missions (SRLMs) through participatory identification of poor (PIP)
Financial Inclusion
Delhi Doorstep Delivery of Services
Benefit
Over 100 government services delivered at your doorstep — no office visit needed; Mobile Sahayak visits your home, collects documents, and submits applications on your behalf; service delivery time within 15–30 days
All residents of Delhi are eligible; no income or category restriction; service available for senior citizens, physically disabled persons, and all adult Delhi residents; 100+ services from 13 government departments covered
Energy
Delhi Free Electricity Scheme (200 Units Free)
Benefit
First 200 units/month completely FREE (zero bill); 201–400 units: 50% subsidy on bill; applied automatically — no registration needed by the consumer
All domestic (residential) electricity consumers in Delhi registered with BSES Rajdhani, BSES Yamuna, or TPDDL (Tata Power); only domestic meter connections qualify; commercial, industrial, and bulk supply connections are excluded; monthly consumption must be under 400 units to receive any subsidy
Energy
Pradhan Mantri Ujjwala Yojana (PMUY)
Benefit
Free LPG gas connection (cylinder + regulator + 15-ft pipe + hotplate) + first refill free + ₹300 subsidy per refill cylinder for up to 9 cylinders per year via DBT into Aadhaar-linked bank account
Woman aged 18 years or above; belongs to BPL family or is from SC/ST/OBC/PM-AWAS beneficiary/EWS/Antyodaya Anna Yojana household/forest dweller/island residents (as listed in 7 category list); household should not already have an LPG connection; Aadhaar card and bank account mandatory
Energy
PM Surya Ghar: Muft Bijli Yojana (Solar Rooftop)
Benefit
Central subsidy of ₹30,000 (1kW) / ₹60,000 (2kW) / ₹78,000 (3kW+) on rooftop solar installation + up to 300 units/month free electricity + surplus power sold to DISCOM via net metering
Indian citizen with a valid residential electricity connection (domestic meter); own house with a rooftop (or terrace) suitable for solar panel installation; must not have previously received rooftop solar subsidy under any other central scheme; applies to all income groups — no income restriction; installation done only through PM Surya Ghar empanelled vendors
Business
Stand Up India Scheme
Benefit
Composite bank loan of ₹10 lakh to ₹1 crore for greenfield enterprises; covers term loan + working capital; repayment up to 7 years with 18-month moratorium; free handholding support for first-time entrepreneurs
Must be: SC or ST borrower OR woman entrepreneur; 18+ years; for non-individual enterprises, minimum 51% shareholding must be held by SC/ST/woman; must be setting up a greenfield (first-ever) enterprise in manufacturing, services, or trading; must not be a bank defaulter; applicant should not have availed similar government scheme loan
Energy
Gruha Jyothi Scheme (Karnataka)
Benefit
200 units of free electricity per month for all domestic consumers in Karnataka with average monthly consumption of 200 units or below; subsidy directly credited to your electricity account
Permanent resident of Karnataka with a domestic electricity connection under BESCOM, MESCOM, GESCOM, HESCOM, or CHESCOM; average monthly electricity consumption in FY 2022-23 must not exceed 200 units; applicable to both APL and BPL households with a domestic meter; one meter per household
Financial Inclusion
Anna Bhagya Scheme (Karnataka)
Benefit
10 kg of free rice per person per month for all NFSA (BPL / AAY) ration card holders in Karnataka — distributed at Fair Price Shops using Aadhaar biometric authentication
Must be a permanent resident of Karnataka; must hold a valid BPL (Priority Household) or AAY ration card under the National Food Security Act (NFSA); ration card must be Aadhaar-linked for biometric authentication at FPS; no separate application — benefits flow automatically through existing ration card
Financial Inclusion
Antyodaya Anna Yojana (AAY)
Benefit
35 kg of wheat/rice per family per month — at ₹2/kg for wheat and ₹3/kg for rice under AAY; free of cost under PMGKAY (Pradhan Mantri Garib Kalyan Anna Yojana) till December 2029
Households belonging to the poorest of the poor — specifically: landless agricultural labourers, marginal farmers, rural artisans/craftsmen (potters, tanners, weavers, blacksmiths, carpenters), slum dwellers, widows/single women, elderly/disabled/terminal illness households with no societal support, primitive tribal groups, destitute individuals — identified and recommended by state governments
Financial Inclusion
DigiLocker
Benefit
Free secure cloud storage for 1,500+ official documents linked to Aadhaar; documents have legal validity equal to physical originals; no need to carry physical documents for verification; share documents instantly with government agencies, banks, and educational institutions
Any Indian citizen with an Aadhaar number; also accessible with a registered mobile number or PAN; minors can use with guardian-linked mobile; free service — no fees ever; works on iOS and Android apps and via digilocker.gov.in
Financial Inclusion
Pradhan Mantri Garib Kalyan Anna Yojana (PMGKAY)
Benefit
5 kg of rice or wheat per person per month completely FREE for all NFSA ration card holders; AAY families get 35 kg per family per month; scheme extended till December 2029; benefit flows through existing ration card — no new registration
All beneficiaries with a valid NFSA ration card (Priority Household — PHH or AAY category) across India; over 80 crore people covered; eKYC with Aadhaar is mandatory — without it, benefits may be withheld; new ration cards applied through state PDS offices
Financial Inclusion
Pradhan Mantri Jan Dhan Yojana (PMJDY)
Benefit
Zero-balance savings account + free RuPay debit card + ₹2 lakh accident insurance cover + overdraft facility up to ₹10,000 (after 6 months of good account behaviour) + direct benefit transfer (DBT) for all government scheme payments
Indian citizen aged 10 years and above; no minimum balance required; does not already have a bank account; identity proof not mandatory — Aadhaar alone is sufficient; migrants can open accounts with self-declaration of address at any bank branch or Business Correspondent (Bank Mitra)
Employment
National Apprenticeship Promotion Scheme (NAPS)
Benefit
Paid on-the-job training with stipend ₹6,800–₹12,300/month + NCVT-recognized National Apprenticeship Certificate (NAC) + 25% stipend subsidy for employers encourages more apprenticeship seats + placement track record for permanent jobs
Age 14–30 years for fresh apprentices; ITI pass-outs (can apply immediately after passing), school graduates, diploma holders, and degree holders all eligible; no specific income limit; 10th class pass minimum for most trades; coverage in over 49 sectors including manufacturing, IT, healthcare, retail, hospitality
Financial Inclusion
Post Office Monthly Income Scheme (POMIS)
Benefit
7.4% p.a. interest paid monthly — a ₹9 lakh investment gives approximately ₹5,550 per month; maximum investment ₹9 lakh (individual) or ₹15 lakh (joint); government-guaranteed return; principal returned at 5-year maturity; no TDS at Post Office
Resident Indian citizen aged 18 years and above; joint accounts can be opened by 2–3 adults; minors aged 10+ can open accounts with guardian oversight; NRIs are NOT eligible; no maximum income limit; you can open one individual and participate in up to two joint accounts simultaneously
Pension
UP Vridhavastha Pension Yojana (Old Age Pension)
Benefit
₹1,000 per month pension paid quarterly (₹3,000 per installment) via Direct Benefit Transfer to Aadhaar-linked bank account for low-income senior citizens of Uttar Pradesh
Permanent resident of Uttar Pradesh; aged 60 years or above; annual income: rural families below ₹46,080 and urban families below ₹56,460; must not be already receiving pension from any central/state government pension scheme; BPL families and SC/ST/OBC given priority; Aadhaar-linked bank account mandatory
Women & Child
Mukhyamantri Majhi Ladki Bahin Yojana (Maharashtra)
Benefit
₹1,500 per month paid via Direct Benefit Transfer to Aadhaar-linked bank account for eligible Maharashtra women aged 21–65 years with annual family income below ₹2.5 lakh
Woman aged 21–65 years; Maharashtra resident with valid domicile; annual family income below ₹2.5 lakh; must have Aadhaar-linked savings bank account; NOT eligible: women whose family owns more than 5 acres of agricultural land or 2.5 acres of irrigated land; government employees, income taxpayers, and pensioners (receiving > ₹15,000/month) are NOT eligible; women from other government schemes may also be eligible (schemes are non-exclusive)
Agriculture
Soil Health Card Scheme
Benefit
Free soil testing and Soil Health Card with fertilizer recommendations tailored to your specific farm — helps reduce input costs and increase crop yield
All farmers across India; free of cost; every farm gets its soil tested once every 2 years; no income or land size restriction
Education
PM SHRI Schools (PM ScHools for Rising India)
Benefit
Selected schools receive ₹2 crore+ infrastructure funding for digital classrooms, STEM labs, smart boards, green campus, sports infrastructure, libraries, and teacher training under NEP 2020 framework
Government and local body-managed elementary, secondary, and senior secondary schools are eligible to apply; school must meet minimum infrastructure, governance, and academic performance standards; applications submitted by school principals via the PM SHRI portal during open selection windows; individual citizens cannot apply — this is a school-level government infrastructure scheme
Health
Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY)
Benefit
Cashless treatment up to ₹1.5 lakh/family/year (extended to ₹2.5 lakh for critical conditions) at 5,248+ empanelled hospitals in Maharashtra; now merged with Ayushman Bharat for combined coverage up to ₹5 lakh for eligible families
Category A (priority): Families with Yellow, AAY, Annapurna, or Orange ration card from Maharashtra; Category B (general): All other Maharashtra families including APL — the scheme was expanded in 2023 to cover all residents; Aadhaar card is mandatory; not applicable for formal sector employees with existing government health schemes
Health
Mission Indradhanush
Benefit
Free vaccination with 12 life-saving vaccines for children under 2 years and pregnant women — protects against Tuberculosis, Diphtheria, Tetanus, Pertussis, Hepatitis B, Polio, Measles, Rubella, Japanese Encephalitis, Typhoid, Pneumonia, and Diarrhoea; conducted through special vaccination camps in underserved areas
Children under 2 years of age who are unvaccinated or partially vaccinated under the Universal Immunization Programme; pregnant women who have not received Tetanus-Diphtheria (Td) injections; primarily targeted at children in low-coverage districts, urban slums, hard-to-reach areas, tribal areas, and migratory populations
Health
Rashtriya Vayoshri Yojana (RVY)
Benefit
Free assistive devices for senior citizens: walking sticks, elbow crutches, walkers, wheelchairs, hearing aids, spectacles, artificial dentures, tripods/quadpods — with 1-year free maintenance; for seniors 80+ years, devices delivered at doorstep
Senior citizen aged 60 years or above; must belong to BPL category or have monthly family income not exceeding ₹15,000; must have a physical impairment or age-related disability (vision, hearing, mobility); identified through district-level survey/camp organized by the District Collector / Deputy Commissioner; priority to women and those living alone
Housing
Jal Jeevan Mission (Har Ghar Jal)
Benefit
Free piped tap water connection inside the home for every rural household — priority to BPL, SC/ST, and families with young children; Village Water & Sanitation Committee manages local supply for long-term reliability
All rural households without an existing functional piped water tap connection; BPL, SC/ST, and marginalised households given top priority; scheme implemented through Gram Panchayats — individuals apply via the Gram Panchayat or Pani Samiti/VWSC in their village
Housing
Pradhan Mantri Awas Yojana — Urban (PMAY-U)
Benefit
Interest subsidy of 3–6.5% p.a. on home loans for 20 years (CLSS) — saving ₹2–6 lakh over the loan tenure; direct construction assistance of ₹1.5–₹2.5 lakh for EWS/LIG beneficiaries; slum dwellers get pucca houses at no/nominal cost
EWS (annual income up to ₹3 lakh), LIG (₹3–₹6 lakh), or MIG-I (₹6–₹12 lakh) / MIG-II (₹12–₹18 lakh) households in urban areas; beneficiary or spouse must NOT own a pucca house anywhere in India; woman must be sole or co-owner; must not have previously availed central government housing scheme benefits
Housing
Ramai Awas Gharkul Yojana (Maharashtra)
Benefit
₹2.1 lakh (rural) or ₹2.5 lakh (urban) grant for pucca house construction + ₹12,000 toilet construction aid + 90–95 days unskilled labour under MGNREGA — all for SC and Neo-Buddhist families with no permanent house
Maharashtra resident belonging to Scheduled Caste (SC) or Neo-Buddhist (Navbauddha) category; should not own any permanent house anywhere in India; family income should be within state BPL norms; not already received housing benefit under any other state or central government scheme; application through district Social Welfare Office or Gram Panchayat (rural) / Municipality (urban)
Housing
SVAMITVA Scheme (Survey of Villages & Mapping with Improvised Technology in Village Areas)
Benefit
Legal property card (title deed / Record of Rights) for your rural house — enables using property as collateral for bank loans; reduces property disputes; provides permanent digital record accessible online anytime
Any rural household owner in a village whose property is in the Abadi (inhabited) area — not agricultural land; applicable to all categories (no income/caste restriction); property must be in a village covered under the SVAMITVA survey (state-wise rollout); NRI property owners and absentee owners also eligible if property is in rural Abadi area
Insurance
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
Benefit
₹2 lakh life insurance cover on death from any cause (accidental or natural) for just ₹436/year; no medical exam required; auto-debit of premium from bank; nominee receives claim within 30 days
Indian citizen aged 18–50 years; must have a savings bank account at a participating bank or post office; Aadhaar-linked bank account preferred (mandatory for auto-debit); must give consent for auto-debit on or before 31 May each year to renew coverage (1 June–31 May cycle)
Insurance
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Benefit
₹2 lakh cover for accidental death or total permanent disability + ₹1 lakh for partial permanent disability — for just ₹20/year; auto-debit from bank account; covers road accidents, drowning, fire, falls, and all other accidents
Indian citizen aged 18–70 years; must have a savings bank account at a participating bank, cooperative bank, or post office; Aadhaar-linked bank account preferred; must give auto-debit consent on or before 31 May each year for renewal (coverage period: 1 June–31 May); one enrollment per person (multiple accounts in same bank are not allowed)
Business
PM SVANidhi — PM Street Vendor's AtmaNirbhar Nidhi
Benefit
Collateral-free working capital loans: ₹10,000 (1st), ₹20,000 (2nd), ₹50,000 (3rd) — with 7% annual interest subsidy and cashback incentives for digital transactions
Street vendors with Certificate of Vending (CoV) or Identity Card issued by Urban Local Body (ULB); Vendors without CoV/ID who were surveyed by ULB before 24 March 2020 also eligible with Letter of Recommendation; Must be an Indian citizen with Aadhaar-linked mobile number
Pension
Atal Pension Yojana (APY)
Benefit
Guaranteed monthly pension of ₹1,000–₹5,000 per month after age 60; spouse receives same pension after subscriber's death; nominee receives lump sum return of corpus on death of both subscriber and spouse
Indian citizen aged 18–40 years; must have a savings bank account or post office savings account; account must be Aadhaar-linked with an active mobile number; must NOT be an income taxpayer (as of October 2022 rule); workers without EPFO/ESIC coverage given priority (NPS subscribers can also join)
Pension
Shravan Bal Seva Rajya Nivruttivetan Yojana (Maharashtra)
Benefit
₹1,500 per month (paid quarterly as ₹4,500) directly to Aadhaar-linked bank account via DBT for BPL senior citizens aged 65+ years in Maharashtra
Maharashtra resident for minimum 15 years; aged 65 years or above; annual family income below ₹21,000 or name on BPL list; must not be receiving any other government pension scheme; must not be residing in a government-run old-age home
Pension
Mukhyamantri Teerth Yatra Yojana (Delhi)
Benefit
Free pilgrimage trip for senior Delhi citizens (60+ years) covering all expenses: travel, accommodation, food, and travel allowance; one attendant free of cost; destinations include Vaishno Devi, Tirupati, Shirdi, Haridwar, Amritsar, Mathura, Dwarka, and Rameswaram
Permanent Delhi resident aged 60+ years; must be a voter in Delhi (voter ID required); must obtain an MLA certificate confirming residence in the MLA's constituency; government employees and their family members are NOT eligible; cannot have availed the scheme in the previous 3 years; one attendant (aged 21+) can accompany
Pension
Varishtha Pension Bima Yojana (VPBY)
Benefit
Guaranteed pension income at 9.3% p.a. — a ₹15 lakh purchase gives approximately ₹11,625/month; purchase price fully returned to nominee on death; no market risk; government-backed; pension continues for entire lifetime
Indian citizen aged 60 years and above (no maximum age limit); no medical examination required; must have a savings bank account for pension credit; NRIs can also apply through LIC; no annual income limit; minimum purchase price: ₹1 lakh (pension ≈ ₹775/month); maximum purchase price varies by state government notification
Agriculture
Kisan Credit Card (KCC)
Benefit
Revolving credit limit up to ₹5 lakh at 4% effective interest rate for crop expenses, equipment, and allied agriculture activities
All farmers, sharecroppers, tenant farmers, and SHGs/JLGs engaged in crop cultivation; fishermen and animal husbandry farmers also eligible under modified KCC; PM-Kisan beneficiaries get auto-eligibility
Women & Child
Beti Bachao Beti Padhao (BBBP)
Benefit
No direct cash transfer — scheme focuses on social awareness campaigns, community mobilization, school enrollment drives for girls, self-defence training camps, gender sensitization programs, and Beti Bachao events; states link Beti Bachao with girl child scholarship schemes
Targeted at communities with low Child Sex Ratio (CSR); districts where sex-selective abortions or gender discrimination are reported; any individual or family can participate in awareness activities; special focus on states like Haryana, Punjab, Uttarakhand, Rajasthan, UP, Bihar, and Delhi
Women & Child
Gruha Lakshmi Scheme (Karnataka)
Benefit
₹2,000 per month (₹24,000 per year) transferred directly to the Aadhaar-linked bank account of the woman head of family or housewife in Karnataka — no conditions on usage
Woman who is the official head of family OR the housewife in a Karnataka household; must be 18 years or above; Karnataka resident with valid ration card (must appear on ration card); NOT eligible: government employees, income taxpayers, or households where the male head is a government employee or income taxpayer; must have Aadhaar-linked bank account; only ONE woman per household can receive the benefit
Women & Child
Mukhyamantri Kanya Sumangala Yojana (UP)
Benefit
Total ₹25,000 per girl child in 6 instalments: ₹5,000 at birth (within 6 months), ₹2,000 at Class 1 admission, ₹3,000 at Class 6 admission, ₹5,000 at Class 9 admission, ₹5,000 at Class 10/12 pass, ₹10,000 at graduation/diploma admission — paid via DBT to mother/guardian's Aadhaar-linked bank
Girl child born on or after April 1, 2019; UP resident family; annual family income not exceeding ₹3 lakh; maximum 2 children per family eligible (exceptions for twins where third child is a girl, or second pregnancy yielding twin girls); adopted girls also eligible; must follow each stage's conditions (school enrollment, attendance, etc.)
Pension
National Pension System (NPS)
Benefit
Tax deduction up to ₹1.5 lakh under 80CCD(1) + additional ₹50,000 under 80CCD(1B) — total ₹2 lakh tax saving per year; 60% tax-free withdrawal at retirement; remaining 40% invested in annuity for monthly pension; low-cost, professionally managed market-linked growth over long term
Indian citizen (resident or NRI or OCI) aged 18–70 years; any employment type — salaried, self-employed, professional, business owner, or retired professional re-joining before 70; must have a valid Aadhaar, PAN, and active bank account; no income limit; existing EPF members can also join NPS voluntarily
Women & Child
Lek Ladki Yojana (Maharashtra)
Benefit
Total ₹1,21,000 per girl child in 5 stages: ₹5,000 at birth (hospital delivery), ₹4,000 at Std 1 enrollment, ₹6,000 at Std 6 enrollment, ₹8,000 at Std 11 enrollment, ₹1,01,000 at 18 years after completing Std 12 — paid via DBT to guardian's Aadhaar-linked bank account
Girl child born on or after January 1, 2023 in Maharashtra; family must hold a Yellow or Orange ration card (annual family income below ₹1 lakh); must be born in a government hospital or registered facility; maximum 2 children per family can benefit; girl should be continuously enrolled in school from Std 1 to Std 12; final ₹1,01,000 requires girl to be unmarried at 18 years and have completed 12th standard
Women & Child
Mukhyamantri Mahila Samman Yojana (Delhi)
Benefit
₹1,000 per month via Direct Benefit Transfer to Aadhaar-linked bank account for registered Delhi women voters aged 18+ years; payments started from April 2025
Woman aged 18+ years; must be a registered voter in Delhi (Delhi voter ID required); must have Aadhaar card; must have Aadhaar-linked savings bank account; must not be a government employee or income taxpayer; must not be receiving more than ₹3,000 monthly pension/benefit from any other government source
Women & Child
Mukhyamantri Samuhik Vivah Yojana (UP)
Benefit
Total ₹51,000 per couple: ₹35,000 cash in bride's Aadhaar-linked bank account + ₹10,000 in household goods (utensils, clothes, gifts) at wedding + ₹6,000 for ceremony expenses — all completely free marriage for poor families
Family with annual income below ₹2 lakh (UP); bride must be at least 18 years old; groom must be at least 21 years old; UP residents; priority to BPL families, SC/ST, OBC, minorities, and widows' daughters; must apply before the scheduled mass wedding date organized in the district; only lawful marriages (Hindu, Muslim, Christian, Sikh as per personal law)
Women & Child
Sukanya Samriddhi Yojana (SSY)
Benefit
High interest rate of 8.2% p.a. (compounded annually); EEE tax benefit — 80C deduction (₹1.5 lakh/year) + tax-free interest + tax-free maturity; maturity amount used for girl's higher education or marriage after 18 years; guaranteed returns with no market risk; partial withdrawal (50%) allowed after age 18 for education
Girl child below 10 years of age at the time of account opening; account opened by parent or legal guardian; maximum 2 SSY accounts per family (one per girl) — exception for twins/triplets; girl must be an Indian citizen (NRI children not eligible); account remains active after NRI status change if the girl was a resident at opening
Agriculture
PM Kisan Samman Nidhi
Benefit
₹6,000/year to all landholding farmers in 3 installments of ₹2,000 each via Direct Benefit Transfer
All landholding farmer families with cultivable land; excludes institutional landholders, government employees drawing ₹10,000+/month pension, income taxpayers, and constitutional post holders
Employment
e-Shram Card
Benefit
₹2 lakh accidental death insurance (PMSBY) + ₹1 lakh partial disability cover + 12-digit portable UAN for all government scheme benefits + auto-eligibility for PM Garib Kalyan, PM Ujjwala, maternity benefits, and housing schemes via DBT
Unorganised sector worker (domestic worker, street vendor, construction worker, driver, farm labourer, gig/platform worker, artisan, MSME employee, etc.); Indian citizen aged 16–59 years; not a member of EPFO, ESIC, or NPS (i.e., not a formal sector employee with social security); must have an Aadhaar-linked mobile number and bank account
Housing
Swachh Bharat Mission — Toilet Construction Scheme
Benefit
Financial assistance of ₹12,000 for construction of Individual Household Latrine (IHHL) for rural households without a toilet; Urban households get toilets via ward-level surveys; clean village incentives and community toilet construction also funded
Rural: Households without an existing toilet; BPL families, SC/ST, PMAY-G beneficiaries, AAY families, and persons with disabilities given top priority; must be permanent residents of the village; Urban: Urban households without access to individual toilets — apply via ward sanitation officer; any household without a toilet can apply
Women & Child
Pradhan Mantri Matru Vandana Yojana (PMMVY)
Benefit
First pregnancy: ₹5,000 in 3 instalments (₹1,000 on early registration + ₹2,000 after 1st ANC check-up + ₹2,000 after child birth & first cycle of immunisation); Second pregnancy (girl child only): ₹6,000 one-time payment — all via DBT to Aadhaar-linked bank
Pregnant and lactating women from the first pregnancy onwards; eligible for second pregnancy benefit only if second child is a girl; minimum age 19 years at time of delivery; must not be a central/state government employee; apply within 730 days of last menstrual period (LMP) for first installment; must complete ANC check-ups and child vaccination as specified
Business
Prime Minister's Employment Generation Programme (PMEGP)
Benefit
Government subsidy of 15–35% of project cost (25% urban and 35% rural for SC/ST/Women/Minority/Ex-Servicemen); maximum project ₹50 lakh (manufacturing) or ₹20 lakh (service) — can generate employment for 3–10+ people
Indian citizen above 18 years; minimum VIII standard pass for projects above ₹10 lakh (manufacturing) or ₹5 lakh (service); Self-Help Groups, cooperative societies, and charitable trusts also eligible for new projects only; no prior government subsidy on same project; not applicable for existing enterprises or expansion
Employment
Yuva Nidhi Scheme (Karnataka)
Benefit
₹3,000/month for unemployed degree/PG holders; ₹1,500/month for diploma holders — for up to 24 months or until employment is secured; payment via Direct Benefit Transfer to Aadhaar-linked bank account
Must be a Karnataka state resident; must have completed degree/PG or diploma from a recognized institution; must be unemployed for at least 6 months after passing final examination; age limit 18–35 years; must have an active Aadhaar-linked bank account; currently enrolled in skill development programmes by the state may be excluded
Transport
Shakti Scheme (Free Bus Travel for Women — Karnataka)
Benefit
Completely free travel on all government-operated buses in Karnataka — KSRTC, BMTC, NEKRTC, and NWKRTC — for all eligible women above 18 years of age, anywhere in Karnataka, unlimited trips daily
Woman (including transgender women identifying as female) above 18 years of age; Karnataka resident with valid address proof; must obtain a Shakti Smart Card from any KSRTC / BMTC / NEKRTC / NWKRTC depot; Aadhaar card mandatory for card issuance; passengers traveling outside Karnataka or on KSRTC express/AC/sleeper services must pay the fare difference
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