Government Cluster
Government Schemes
Explore flagship welfare schemes with clear eligibility, required documents and step-by-step application guidance.
Showing 36 of 36 schemes
Pradhan Mantri Awas Yojana (PMAY)
If you don't own a pucca house yet, this is the big one. It helps eligible families build or buy a home, with a good chunk of your home loan interest knocked off as a subsidy.
Interest subsidy up to Rs. 2.67 lakh on home loans and direct assistance for house construction.
HealthAyushman Bharat — PM Jan Arogya Yojana
Think of it as government-backed health cover for your family. Cashless treatment at empanelled hospitals, no premium to pay if you qualify, and it happens to be the largest scheme of its kind anywhere in the world.
Health cover of Rs. 5 lakh per family per year for secondary and tertiary care hospitalisation.
AgriculturePM Kisan Samman Nidhi
Straightforward income support for farming families. The money lands directly in your bank account, three times a year, with no middleman in between.
Rs. 6,000 per year transferred directly in three equal instalments of Rs. 2,000.
Employmente-Shram — National Database of Unorganised Workers
A single national ID for workers in the unorganised sector. You register once, get a Universal Account Number, and accident insurance cover comes along with it — all free.
Accidental insurance cover of Rs. 2 lakh and a single window for unorganised-sector welfare benefits.
PensionAtal Pension Yojana
A guaranteed pension scheme focused on unorganised-sector workers, offering a defined monthly pension after the age of 60.
Guaranteed monthly pension between Rs. 1,000 and Rs. 5,000 after the age of 60.
Women & ChildSukanya Samriddhi Yojana
A small savings scheme for the girl child that offers attractive, tax-free returns to support education and marriage expenses.
High fixed interest with tax benefits under Section 80C and tax-free maturity proceeds.
Financial InclusionPradhan Mantri Jan Dhan Yojana
A national mission for financial inclusion offering basic bank accounts, RuPay debit cards and built-in insurance for the unbanked.
Zero-balance bank account, RuPay debit card with accident insurance and overdraft facility.
EducationNational Scholarship Portal Schemes
A single-window platform hosting central and state scholarship schemes for students across pre-matric, post-matric and merit categories.
Direct scholarship disbursal covering tuition, maintenance and academic allowances.
AgriculturePradhan Mantri Fasal Bima Yojana
A crop insurance scheme that protects farmers against the financial loss from crop failure due to natural calamities, pests and diseases.
Insurance payout for crop loss against a low, subsidised premium paid by the farmer.
AgricultureKisan Credit Card
A credit scheme that gives farmers timely, low-cost access to working capital for cultivation and allied activities through a simple credit card.
Short-term crop loans at a concessional interest rate, with interest subvention on prompt repayment.
AgriculturePM Kisan Maandhan Yojana
A voluntary, contributory pension scheme for small and marginal farmers to provide income security in their old age.
Assured monthly pension of Rs. 3,000 after the age of 60, with matching government contribution.
AgricultureSoil Health Card Scheme
A scheme that provides farmers with a card detailing the nutrient status of their soil and tailored recommendations to improve yield.
Free soil testing and crop-wise nutrient recommendations to cut input costs and raise productivity.
AgriculturePM-KUSUM (Solar Energy for Farmers)
A scheme that helps farmers install solar pumps and grid-connected solar power plants to secure irrigation and earn extra income.
Subsidy on solar pump installation and the option to sell surplus solar power to the grid.
HealthJanani Suraksha Yojana
A safe-motherhood scheme under the National Health Mission that promotes institutional delivery to reduce maternal and infant mortality.
Cash assistance to pregnant women for delivering in a government or accredited health facility.
HealthMission Indradhanush
A nationwide immunisation drive to fully vaccinate children and pregnant women against preventable diseases.
Free vaccination against several life-threatening diseases for children and expecting mothers.
HealthPradhan Mantri National Dialysis Programme
A programme that provides free dialysis services to poor patients with chronic kidney disease at district hospitals.
Free haemodialysis sessions for eligible patients, reducing the heavy out-of-pocket cost of treatment.
HealthPradhan Mantri Bhartiya Janaushadhi Pariyojana
A scheme that makes quality generic medicines available at affordable prices through dedicated Janaushadhi Kendras across the country.
Quality generic medicines at a fraction of branded prices, lowering the cost of treatment for everyone.
HealthRashtriya Bal Swasthya Karyakram
A child health screening and early intervention programme that detects and treats defects, diseases, deficiencies and developmental delays in children.
Free screening and treatment, including referral and surgery support, for children with identified health conditions.
Women & ChildPradhan Mantri Ujjwala Yojana
Provides free LPG connections to women from low-income households, replacing smoky traditional fuels with clean cooking gas and protecting their health.
A free LPG connection with financial support for the first refill and stove.
HealthSwachh Bharat Mission
A national cleanliness mission to eliminate open defecation and improve sanitation by supporting household and community toilets, plus solid waste management.
Financial incentive to build a household toilet and access to improved sanitation.
EmploymentMahatma Gandhi National Rural Employment Guarantee Act
Guarantees up to 100 days of paid wage employment in a financial year to every rural household whose adult members volunteer for unskilled manual work.
Guaranteed wage employment of up to 100 days a year per rural household.
Financial InclusionPradhan Mantri Mudra Yojana
Offers collateral-free loans to small and micro enterprises and self-employed individuals through banks and NBFCs to fund and grow their businesses.
Collateral-free business loans under the Shishu, Kishore and Tarun categories.
Women & ChildBeti Bachao Beti Padhao
A national campaign to prevent gender-biased sex selection and ensure the survival, protection and education of the girl child through awareness and services.
Awareness, protection and education support to improve the lives of girl children.
EducationPrime Minister's Scholarship Scheme
Provides scholarships to the wards and widows of ex-servicemen and ex-coast guard personnel to pursue professional and technical higher education.
Annual scholarship to support professional and technical degree courses.
PensionPradhan Mantri Vaya Vandana Yojana
A pension scheme for senior citizens offering a guaranteed regular income through assured returns on a one-time investment for a fixed term.
Assured pension income for senior citizens over the policy term.
EmploymentPM Street Vendor's AtmaNirbhar Nidhi
Gives street vendors affordable working-capital loans to restart and grow their businesses, with incentives for repayment and digital transactions.
Collateral-free working-capital loan with interest subsidy and cashback on digital payments.
HousingPradhan Mantri Awas Yojana - Gramin
Provides financial assistance to rural households living in kutcha or dilapidated houses to build a pucca home with basic amenities.
Assistance for constructing a pucca house, with support for a toilet and other basic facilities.
EmploymentDeen Dayal Upadhyaya Grameen Kaushalya Yojana
A skilling and placement programme for rural youth from poor families, offering training that leads to wage employment.
Free skill training with assured placement support for rural youth.
EmploymentPradhan Mantri Kaushal Vikas Yojana
A flagship skill-training scheme that enables youth to take up industry-relevant short-term courses and earn recognised certification.
Free short-term skill training and certification to improve employability.
PensionNational Social Assistance Programme
Provides social security through monthly pensions to the elderly, widows and persons with disabilities from below-poverty-line households.
Monthly pension support for eligible elderly, widows and disabled persons.
Women & ChildIntegrated Child Development Services
Delivers nutrition, health and pre-school education to young children, pregnant women and nursing mothers through anganwadi centres.
Supplementary nutrition, immunisation support and early childhood care via anganwadis.
EducationPM Poshan Shakti Nirman
Provides a hot, cooked mid-day meal to school children to improve nutrition, encourage enrolment and reduce dropout rates.
One free hot cooked meal on every school day for eligible students.
HealthRashtriya Swasthya Bima Yojana
A health insurance scheme that provides cashless hospitalisation cover to below-poverty-line families and certain worker categories.
Cashless hospitalisation cover for the enrolled family through a smart card.
Financial InclusionStand-Up India
Facilitates bank loans to women and SC/ST entrepreneurs to set up greenfield enterprises in manufacturing, services or trading.
Bank loan between Rs. 10 lakh and Rs. 1 crore for a new enterprise.
EmploymentStartup India
Supports startups through recognition, tax benefits, easier compliance and access to funding to build a strong entrepreneurship ecosystem.
Tax exemptions, self-certification compliance and funding support for recognised startups.
EducationDigital India
A national programme to make government services available digitally, expand internet access and improve digital literacy across the country.
Easier access to digital public services and improved digital literacy.
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