Government Schemes

Discover 23+ central and state government schemes across 15+ categories for every Indian

23 schemes found
FeaturedPopular

PM-KISAN Samman Nidhi

PM-KISAN

Income support of Rs 6,000 per year to small and marginal farmer families across India

Ministry of Agriculture & Farmers Welfare

Key Benefits

Rs 2,000 every 4 months as direct benefit transfer (DBT) to bank account

FeaturedPopular

Pradhan Mantri Awas Yojana-Urban

PMAY-U

Housing for all urban poor with interest subsidy on home loans under Credit Linked Subsidy Scheme

Ministry of Housing & Urban Affairs

Key Benefits

Interest subsidy up to Rs 2.67 lakh on home loans for EWS/LIG, up to Rs 2.35 lakh for MIG-I, up to Rs 2.30 lakh for MIG-II

FeaturedPopular

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana

PM-JAY

World's largest health insurance scheme covering Rs 5 lakh per family per year for secondary and tertiary care hospitalization

Ministry of Health & Family Welfare

Key Benefits

Cashless treatment at over 27,000 empaneled hospitals across India, no cap on family size, covers 3 days pre-hospitalization and 15 days post-hospitalization

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Sukanya Samriddhi Yojana

SSY

Small savings scheme for girl child with highest government-backed interest rate, currently 8.2% per annum

Ministry of Finance

Key Benefits

Tax-free interest under Section 80C, partial withdrawal for higher education after Class 10, account matures after 21 years or marriage after 18

Popular

National Scholarship Portal

NSP

Single unified portal for all central and state scholarship schemes for SC/ST/OBC/Minority/EWS students

Ministry of Education

Key Benefits

Scholarships ranging from Rs 1,000 to Rs 20,000 per year depending on category and level of study, direct benefit transfer to bank account

Popular

Atal Pension Yojana

APY

Guaranteed minimum pension of Rs 1,000 to Rs 5,000 per month after age 60 for workers in unorganized sector

Ministry of Finance

Key Benefits

Government co-contributes 50% of contribution or Rs 1,000 per year for 5 years for early enrollees, spouse gets pension after subscriber's death

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Pradhan Mantri Fasal Bima Yojana

PMFBY

Comprehensive crop insurance covering all stages of crop cycle from pre-sowing to post-harvest

Ministry of Agriculture & Farmers Welfare

Key Benefits

Very low premium (2% for kharif, 1.5% for rabi, 5% for commercial crops), full sum insured coverage, timely claim settlement

Popular

National Pension System

NPS

Voluntary retirement savings scheme regulated by PFRDA with market-linked returns and tax benefits

Ministry of Finance

Key Benefits

Tax deduction up to Rs 2 lakh under Section 80CCD(1B), 60% corpus tax-free at maturity, lowest cost pension product in India

Popular

PM Fasal Bima Yojana

PMFBY

Comprehensive crop insurance with very low premium for farmers

Ministry of Agriculture & Farmers Welfare

Key Benefits

2% premium for kharif, 1.5% for rabi crops

Popular

National Pension System

NPS

Voluntary retirement savings scheme with market-linked returns

Ministry of Finance

Key Benefits

Tax benefits up to Rs 2L under 80CCD(1B)

Popular

Senior Citizens Savings Scheme

SCSS

Government-backed savings scheme for seniors with 8.2% interest

Ministry of Finance

Key Benefits

Quarterly interest payouts, 5-year tenure

Popular

PM Skill India Mission

Skill India

Free skill development training and certification for youth

Ministry of Skill Development & Entrepreneurship

Key Benefits

Government-certified training, placement assistance, stipend

Featured

Pradhan Mantri MUDRA Yojana

MUDRA

Collateral-free loans up to Rs 10 lakh for micro and small enterprises under three categories

Ministry of Finance

Key Benefits

No collateral required, low interest rates (varies by bank), flexible repayment up to 5 years, no processing fee for loans up to Rs 50,000

Startup India Seed Fund Scheme

SISFS

Financial assistance to startups for proof of concept, prototype development, product trials, market entry and commercialization

Department for Promotion of Industry and Internal Trade

Key Benefits

Seed funding up to Rs 50 lakh as grant or convertible debentures, plus debt funding up to Rs 2 crore from SIDBI

Pradhan Mantri Shram Yogi Maan-dhan

PM-SYM

Pension scheme for unorganized workers with monthly pension of Rs 3,000 after age 60

Ministry of Labour & Employment

Key Benefits

50% government contribution, family pension at 50% of the pension to spouse, guaranteed pension for life

PM Shram Yogi Maan-dhan

PM-SYM

Pension for unorganized workers with Rs 3,000/month after 60

Ministry of Labour & Employment

Key Benefits

50% government contribution, family pension

PM Vaya Vandana Yojana

PMVVY

Pension scheme for senior citizens with 8% guaranteed returns

Ministry of Finance

Key Benefits

Monthly/quarterly/half-yearly/annual pension for 10 years

BharatNet Project

BharatNet

High-speed broadband connectivity to all gram panchayats in India

Ministry of Communications

Key Benefits

Free WiFi at public places in villages, affordable internet

Stand-Up India Scheme

Stand-Up India

Bank loans from Rs 10L to Rs 1Cr for SC/ST and women entrepreneurs

Ministry of Finance

Key Benefits

Composite loan, refinance via SIDBI, credit guarantee

National Rural Livelihood Mission

DAY-NRLM

Self-employment and livelihood opportunities for rural poor women

Ministry of Rural Development

Key Benefits

Bank linkage, skill training, market access, community investment

PM Kaushal Vikas Yojana

PMKVY

Free short-term skill training with government certification and placement support

Ministry of Skill Development

Key Benefits

Training allowance, free certification, job placement assistance

Digital India Mission

Digital India

Digital infrastructure, governance and services for all citizens

Ministry of Electronics & IT

Key Benefits

Free digital literacy training, DigiLocker, UMANG, Bharat Bill Payment

Ayushman CAPF Health Scheme

Ayushman CAPF

Health insurance for CAPF personnel and their families

Ministry of Home Affairs

Key Benefits

Cashless treatment up to Rs 5 lakh at empaneled hospitals