West Bengal Government Schemes & Benefits
Capital: Kolkata
Residents of West Bengal can access both central government schemes and state-specific welfare programmes. Below are key highlights and the central benefits available to you.
State highlights
- Lakshmir Bhandar
- Kanyashree scholarships
- Swasthya Sathi health
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Central schemes available in West Bengal
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.
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