Government Schemes of India

Welfare
Schemes Index.

50+ Central & State Government schemes — eligibility, benefits, documents, and step-by-step application guides.

50
Total Schemes
50
Active Schemes
12
Sectors Covered
3
State Schemes
🌾 Agriculture

PM-KISAN

Pradhan Mantri Kisan Samman Nidhi
Active

PM-KISAN provides ₹6,000 per year to all farmer families in 3 instalments of ₹2,000 each, directly into their Aadhaar-linked bank account.

CASH
₹6,000/year (₹2,000 per instalment)
Direct income support in three annual instalments
🏥 Health

AB PM-JAY

Ayushman Bharat — Pradhan Mantri Jan Arogya Yojana
Active (Revised)

World's largest government health insurance — ₹5 lakh/year free cashless treatment at 29,000+ empanelled hospitals for 55 crore beneficiaries, plus separate ₹5 lakh top-up for all 70+ citizens.

INSURANCE
₹5 lakh per family per year
Cashless health cover for secondary and tertiary hospitalisation
👧 Women & Child

SSY

Sukanya Samriddhi Yojana
Active

SSY is India's highest-interest government savings scheme for girl children — 8.2% p.a. interest, Section 80C deduction, and completely tax-free maturity. Account matures in 21 years or at marriage after 18.

TAX_BENEFIT
Up to ₹46,800 annual tax saving (at 30% tax bracket)
Section 80C deduction on deposits up to ₹1.5 lakh/year
🏭 MSME

PM MUDRA

Pradhan Mantri MUDRA Yojana
Active

MUDRA provides collateral-free business loans up to ₹20 lakh to micro and small businesses under three categories — Shishu (up to ₹50K), Kishore (₹50K–5L), and Tarun (₹5L–20L).

LOAN
Up to ₹50,000
Shishu: Collateral-free loan for startup micro businesses
🏠 Housing

PMAY-U

Pradhan Mantri Awas Yojana — Urban (PMAY 2.0)
Active (Revised)

PMAY Urban provides interest subsidy, direct grants, and affordable housing to urban poor — PMAY 2.0 (2024–2029) targets 1 crore additional families with enhanced benefits.

CASH
₹2.5 lakh per EWS beneficiary
Beneficiary-Led Construction grant (PMAY 2.0)
🏠 Housing

PMAY-G

Pradhan Mantri Awas Yojana — Gramin
Active

PMAY-G provides ₹1.2–1.3 lakh to rural households for pucca house construction, with 90/95 days MGNREGS labour and convergence with Ujjwala, Saubhagya, and SBM-G toilet schemes.

CASH
₹1,20,000
House construction grant — plain areas
💳 Financial Inclusion

PMJDY

Pradhan Mantri Jan Dhan Yojana
Active

Jan Dhan provides zero-balance bank accounts with RuPay card (₹2 lakh accident insurance), ₹10,000 overdraft facility, and serves as the DBT highway for all government benefits.

SERVICE
Zero-balance savings account at any bank/post office/CSC
💼 Employment

MGNREGS

Mahatma Gandhi National Rural Employment Guarantee Scheme
Active

NREGA/MGNREGS guarantees 100 days of wage employment per year to every rural household as a legal right — with unemployment allowance if work is not provided within 15 days.

CASH
₹228–₹374/day (state-specific; revised annually)
Daily wage for unskilled manual work
🌾 Agriculture

PMFBY

Pradhan Mantri Fasal Bima Yojana
Active (Revised)

Crop insurance scheme providing financial protection against losses from natural calamities, pests, and diseases — farmer pays just 1.5%–5% of premium, rest is subsidised by Centre and State.

INSURANCE
Based on Sum Insured (Scale of Finance) — varies by crop and district
Comprehensive crop loss compensation from pre-sowing to post-harvest
🌾 Agriculture

KCC

Kisan Credit Card Scheme
Active (Revised)

Revolving credit facility for farmers at an effective 4% interest rate — covering all crop, post-harvest, allied activity, and consumption needs with built-in accident insurance.

LOAN
Based on cropping pattern, land holding, and Scale of Finance (typically ₹50,000–₹3 lakh for small farmers)
Revolving credit line for all farm needs — crop, post-harvest, allied, consumption
💳 Financial Inclusion

PMJJBY

Pradhan Mantri Jeevan Jyoti Bima Yojana
Active

Pure term life insurance of ₹2 lakh for just ₹436 per year — covers death from any cause, auto-debited from bank account, no medical test required.

INSURANCE
₹2 lakh
Term life insurance — ₹2 lakh paid to nominee on subscriber's death (any cause)
💳 Financial Inclusion

PMSBY

Pradhan Mantri Suraksha Bima Yojana
Active

Accidental death and disability insurance of ₹2 lakh for just ₹20 per year — the most affordable insurance product in the world, covering all bank account holders aged 18–70.

INSURANCE
₹2 lakh
Accidental death or total permanent disability
🛡️ Social Security

APY

Atal Pension Yojana
Active (Revised)

Guaranteed pension of ₹1,000–₹5,000 per month from age 60 — designed for unorganised sector workers with no other pension, with spouse pension and corpus return to nominee built in.

SERVICE
₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000/month (choice at enrolment)
Guaranteed monthly pension from age 60 — for subscriber's lifetime
⚡ Energy

PMUY

Pradhan Mantri Ujjwala Yojana
Active (Revised)

Free LPG cooking gas connection for BPL women — eliminating indoor air pollution from biomass cooking, with ₹300 per cylinder subsidy via Direct Benefit Transfer for up to 12 refills per year.

MATERIAL
Free LPG connection — cylinder, regulator, pipe (deposit waived)
⚡ Energy

PM Surya Ghar

PM Surya Ghar: Muft Bijli Yojana
Active

India's flagship rooftop solar scheme — provides ₹30,000–₹78,000 subsidy for solar panel installation, enabling households to generate 300 units of free electricity per month and earn by selling surplus to the grid.

SUBSIDY
₹30,000 (1 kW) / ₹60,000 (2 kW) / ₹78,000 (3 kW+) — disbursed to bank account post-installation
Central Financial Assistance for rooftop solar installation
🏭 MSME

PM Vishwakarma

Pradhan Mantri Vishwakarma Yojana
Active

Comprehensive support for 30 lakh traditional artisans across 18 trades — PM Vishwakarma certificate, ₹15,000 toolkit, 5% concessional loan up to ₹3 lakh, skill training with stipend, and market linkage through GeM.

SERVICE
PM Vishwakarma Certificate and ID Card — official artisan recognition
💼 Employment

PMKVY

Pradhan Mantri Kaushal Vikas Yojana
Active (Revised)

India's flagship free skill training programme — provides industry-recognised certificates across 30+ sectors to youth, with post-training monetary reward and placement assistance.

SERVICE
Free skill training at PMKVY-authorised Training Centres across 30+ sectors
🏭 MSME

PM SVANidhi

PM Street Vendor's AtmaNirbhar Nidhi
Active (Revised)

Collateral-free working capital loans for urban street vendors — starting at ₹10,000, scaling to ₹50,000 on repayment, with digital transaction cashback and interest subsidy.

LOAN
₹10,000 (collateral-free, 1-year repayment)
1st tranche working capital loan
👧 Women & Child

BBBP

Beti Bachao Beti Padhao
Active

National campaign to prevent gender-biased sex-selective elimination, ensure survival, protection, and education of girl children — with Sukanya Samriddhi Yojana as its core financial instrument.

SERVICE
PCPNDT Act enforcement — raids and prosecution of sex determination clinics
💼 Employment

PM Internship Scheme

Pradhan Mantri Internship Scheme
Active

India's first government-backed corporate internship programme — 12 months in top 500 companies with ₹5,000/month stipend, ₹6,000 joining grant, and free insurance — targeting 1 crore youth over 5 years.

CASH
₹5,000/month
Monthly stipend — ₹4,500 from government (DBT) + ₹500 from company
🛣️ Infrastructure

JJM

Jal Jeevan Mission — Har Ghar Jal
Active (Revised)

National mission to provide functional household tap connections delivering 55 litres per person per day of potable water to every rural home in India — Har Ghar Jal by 2028.

SERVICE
55 litres per person per day minimum
Functional Household Tap Connection — potable water at doorstep
🛣️ Infrastructure

PM SVAMitva

Pradhan Mantri SVAMitva Yojana — Survey of Villages and Mapping with Improvised Technology in Village Areas
Active

India's first-ever drone-based survey of rural inhabited land — issuing legal property cards (Rights of Record) to rural household owners, enabling them to get bank loans against their home for the first time.

SERVICE
Free of cost
Legal property card (Rights of Record / Aabadi Card) for rural household plot
🛣️ Infrastructure

SBM-U 2.0

Swachh Bharat Mission — Urban 2.0
Active (Revised)

National urban sanitation mission providing free individual household toilets to BPL families, solid waste management, and ODF+ certification — with annual Swachh Survekshan city rankings to drive competition.

MATERIAL
₹10,000–₹12,000 Central + State grant
Individual Household Latrine (IHHL) — free toilet for BPL urban households without toilet
🏭 MSME

PMEGP

Prime Minister's Employment Generation Programme
Active (Revised)

Credit-linked capital subsidy of 15%–35% on new micro-enterprise projects up to ₹50 lakh — implemented through KVIC, state KVIBs, and District Industries Centres for both rural and urban entrepreneurs.

SUBSIDY
Up to ₹7.5 lakh (on ₹50 lakh manufacturing project)
Margin Money — General category urban: 15% of project cost
🏥 Health

PMBJP / Jan Aushadhi

Pradhan Mantri Bhartiya Janaushadhi Pariyojana
Active (Revised)

India's largest generic medicine network — 14,000+ Jan Aushadhi stores selling WHO-GMP certified generic medicines at 50%–90% below branded drug prices, saving citizens ₹7,500 crore annually.

SERVICE
50%–90% savings per medicine
Access to 2,047 WHO-GMP certified generic medicines at 50%–90% below branded prices
💳 Financial Inclusion

Stand Up India

Stand Up India Scheme
Active

Provides bank loans of ₹10 lakh–₹1 crore to SC/ST entrepreneurs and women for setting up greenfield enterprises — with every bank branch mandated to sanction at least one each.

LOAN
₹10 lakh to ₹1 crore
Composite loan (term loan + working capital) for greenfield enterprise
💼 Employment

DAY-NULM

Deendayal Antyodaya Yojana — National Urban Livelihoods Mission
Active

Comprehensive urban poverty alleviation mission — forming women SHGs, providing skill training, enterprise loans with subsidy, shelter for homeless, and market linkage for urban street vendors.

CASH
₹10,000 per SHG
Revolving fund for urban SHGs (₹10,000) — seed capital for internal lending
🏭 MSME

Startup India

Startup India Initiative
Active

India's flagship startup ecosystem initiative — DPIIT recognition unlocks 3-year tax holiday, angel tax exemption, seed fund access, 80% patent fee rebate, and self-certification from 9 labour laws.

TAX_BENEFIT
100% income tax deduction for 3 years out of first 10
3 consecutive years income tax exemption (Section 80-IAC)
🛣️ Infrastructure

PMGSY

Pradhan Mantri Gram Sadak Yojana
Active (Revised)

Provides all-weather road connectivity to unconnected rural habitations — 7.87 lakh km built since 2000, with PMGSY-IV targeting 25,000 km of new rural roads.

SERVICE
All-weather road connectivity to previously unconnected rural habitations
🛣️ Infrastructure

SBM-G

Swachh Bharat Mission — Gramin (Phase II)
Active (Revised)

Rural sanitation mission providing free household toilets (₹12,000 grant), sustaining ODF status, and building solid/liquid waste management infrastructure in villages under Phase II.

MATERIAL
₹12,000 per toilet (Central + State share)
Individual Household Latrine (IHHL) grant for rural BPL families
🛡️ Social Security

NPS Vatsalya

NPS Vatsalya — National Pension System for Minors
Active

Allows parents to open an NPS pension account for children aged 0–18 — the earliest possible start to retirement savings with compounding over 40–60 years and Section 80C tax benefit.

SERVICE
Long-term pension savings account managed by PFRDA-regulated Pension Fund Managers
📚 Education

PM Vidya Lakshmi

Pradhan Mantri Vidya Lakshmi Yojana
Active

3% interest subvention on collateral-free education loans up to ₹10 lakh for students in top-ranked institutions — from families with income below ₹8 lakh per year.

SUBSIDY
3% p.a. on loan up to ₹10 lakh
3% annual interest subvention during course + 1-year moratorium
🛡️ Social Security

PM JUGA

Pradhan Mantri Janjatiya Unnat Gram Abhiyan
Active

Mission to saturate 25 central government welfare schemes in 63,000 tribal-majority villages — covering 5 crore tribal citizens with PM-KISAN, Ayushman Bharat, PM Awas, Ujjwala, and 21 other schemes.

SERVICE
Saturation of 25 central schemes — PM-KISAN, Ayushman, PM Awas, Ujjwala, JJM, PMKVY, and 19 others in tribal villages
🌾 Agriculture

PMMSY

Pradhan Mantri Matsya Sampada Yojana
Active

Comprehensive fisheries development scheme providing 40%–60% subsidy for aquaculture, fishing infrastructure, cold chain, and processing — to double fish production and triple exports.

SUBSIDY
40% (general) / 60% (SC/ST/Women/Differently-abled)
Capital subsidy for aquaculture (pond, cage, biofloc, RAS) and fishing infrastructure
📚 Education

NMMS

National Means-cum-Merit Scholarship Scheme
Active

₹12,000/year scholarship for 1 lakh meritorious Class 8 government school students from families below ₹3.5 lakh income — to continue studies through Class 9–12 without dropout.

CASH
₹12,000/year (₹1,000/month)
Annual scholarship paid monthly to student's bank account
🛡️ Social Security

PM-KMY

Pradhan Mantri Kisan Maan Dhan Yojana
Active

Pension of ₹3,000/month from age 60 for small and marginal farmers — with very low monthly contributions (₹55–₹200) and equal government co-contribution matching every farmer's payment.

SERVICE
₹3,000/month
Guaranteed ₹3,000/month pension from age 60 for life
🏥 Health

AB-HWC

Ayushman Bharat — Health and Wellness Centres (AB-HWC)
Active

1.73 lakh+ upgraded primary health facilities delivering 12 comprehensive care services — free medicines, diagnostics, teleconsultation, maternal/child health, and NCD screening for all citizens.

SERVICE
Comprehensive 12-package primary care at nearest HWC
🏥 Health

AB PM-JAY 70+

Ayushman Bharat PM-JAY — Senior Citizens 70+ (Vaya Vandana)
Active

₹5 lakh annual health cover for ALL citizens aged 70 and above — regardless of income — extending Ayushman Bharat to India's entire senior citizen population.

INSURANCE
₹5 lakh per senior citizen per year
₹5 lakh annual cashless health cover at empanelled hospitals
💻 Digital India

PMGDISHA

Pradhan Mantri Gramin Digital Saksharta Abhiyan
Active

Free 20-hour digital literacy training for one member of every rural household — covering smartphone use, UPI digital payments, DigiLocker, UMANG, and internet safety.

SERVICE
Free 20-hour digital literacy training by certified trainers
💻 Digital India

Digital India

Digital India Programme
Active (Revised)

India's flagship digital transformation mission — connecting every citizen, government service, and institution digitally through BharatNet, CSCs, DigiLocker, UMANG, and 3,000+ e-governance services.

SERVICE
3,000+ government services accessible online — income certificates, birth/death certificates, land records, benefits enrolment
🏭 MSME

Make in India

Make in India Initiative
Active

National manufacturing initiative across 25 sectors — driving FDI, reducing regulatory barriers, and transforming India into a global manufacturing hub through PLI schemes and sector-specific incentives.

SERVICE
Simplified FDI norms — 100% FDI automatic route in most sectors
📚 Education

PM POSHAN

Pradhan Mantri Poshan Shakti Nirman (Mid-Day Meal Scheme)
Active (Revised)

World's largest school feeding programme — free cooked mid-day meal for 11.8 crore children in Classes 1–8 at government schools, improving nutrition, attendance, and school retention.

SERVICE
450 cal/12g protein (Classes 1–5); 700 cal/20g protein (Classes 6–8)
Free cooked nutritious mid-day meal on every school day
💳 Financial Inclusion

GMS

Gold Monetisation Scheme
Active

Earn interest (0.5%–2.5% p.a.) on idle gold by depositing it with designated banks — with tax exemptions on all gains and flexible tenure options from 1 to 15 years.

CASH
0.5%–2.5% p.a. depending on tenure
Interest income on deposited gold — paid in cash or gold
🛣️ Infrastructure

UDAN

UDAN — Ude Desh Ka Aam Nagrik (Regional Connectivity Scheme)
Active (Revised)

India's regional air connectivity scheme connecting Tier-2 and Tier-3 cities with subsidised fares from ₹2,500 — making flying affordable and opening 74+ new airports across India.

SERVICE
Subsidised air connectivity to previously unserved cities — fares from ₹2,500 for capped seats
👧 Women & Child

POSHAN 2.0

POSHAN 2.0 — Saksham Anganwadi and Poshan 2.0
Active

Integrated nutrition mission for children 0–6 and mothers at 14 lakh+ Anganwadi Centres — free nutritious food, growth monitoring, immunisation, preschool education, and health check-ups.

SERVICE
Free supplementary nutrition (hot meals or Take Home Ration) for children 0–6 and pregnant/lactating mothers
🏠 Housing

PMAY-U 2.0

Pradhan Mantri Awas Yojana — Urban 2.0 (2024–2029)
Active

Continuation of PMAY Urban targeting 1 crore new houses by 2029 — central grant of ₹2.5 lakh for EWS/LIG + interest subsidy for MIG, with mandatory women co-ownership for EWS/LIG.

CASH
Up to ₹2.5 lakh per EWS house
Central assistance for EWS/LIG beneficiary-led construction
🌾 Agriculture

Rythu Bandhu

Rythu Bandhu — Telangana Farmer Investment Support Scheme
Active (Revised)

Telangana's flagship farmer investment support — ₹5,000 per acre per season (₹10,000/acre/year) directly to all landholding farmers, delivered as cheques at village level by elected representatives.

CASH
₹10,000 per acre per year
₹5,000 per acre per season (Kharif and Rabi)
🌾 Agriculture

KALIA

KALIA — Krushak Assistance for Livelihood and Income Augmentation (Odisha)
Active (Revised)

Odisha's comprehensive farmer support scheme — ₹10,000/year direct assistance + ₹2 lakh life insurance + ₹2 lakh accident insurance + special support for landless agricultural labourers.

CASH
₹10,000/year
₹5,000 per season × 2 seasons = ₹10,000/year
🌾 Agriculture

Krishak Bandhu

Krishak Bandhu — West Bengal Farmer Support Scheme
Active (Revised)

West Bengal's direct farmer support — ₹10,000/year per acre (capped at ₹10,000) to all landholding farmers, ₹4,000 minimum for small holders, and ₹2 lakh death benefit insurance.

CASH
₹4,000–₹10,000/year
₹10,000/year (for ≥1 acre holders), ₹4,000/year minimum (for <1 acre)
🏥 Health

AB Vaya Vandana

Ayushman Bharat — Vaya Vandana Yojana (Senior Citizen Health Cover)
Active

Free ₹5 lakh health insurance for ALL Indians aged 70+ — no income restriction, covers hospitalisation at 29,000+ empanelled hospitals under the PM-JAY network.

INSURANCE
₹5 lakh per year per individual
₹5 lakh annual health cover per senior citizen for hospitalisation