Government schemes

Central and state schemes: who qualifies, how much you get, how to apply and what to do if money doesn't arrive.

Central government schemes

PM Kisan Samman Nidhi Income support scheme for eligible farmer families. Ayushman Bharat (PM-JAY) Health insurance scheme providing free treatment up to ₹5 lakh per family per year. PM Awas Yojana (Housing for All) Central scheme providing financial assistance and interest subsidy to build or buy a puc… PM Ujjwala Yojana Provides free LPG gas connections to women from below-poverty-line households to replace… PM Jan Dhan Yojana (PMJDY) National financial inclusion scheme providing zero-balance bank accounts with RuPay debi… Atal Pension Yojana (APY) Government-backed pension scheme for unorganised-sector workers, guaranteeing a fixed mo… PM Suraksha Bima Yojana (PMSBY) Low-cost accidental death and disability insurance scheme offering ₹2 lakh cover for an … PM Jeevan Jyoti Bima Yojana (PMJJBY) Renewable term life insurance scheme offering ₹2 lakh cover on natural or accidental dea… Sukanya Samriddhi Yojana (SSY) A small savings scheme for the girl child offering a high, government-guaranteed interes… PM Mudra Yojana (PMMY) Provides collateral-free loans up to ₹20 lakh to non-corporate, non-farm small and micro… PM Fasal Bima Yojana (PMFBY) Crop insurance scheme protecting farmers against crop loss from natural calamities, pest… PM Garib Kalyan Anna Yojana (PMGKAY) Provides free additional food grains to NFSA ration card holders on top of their regular… Stand Up India Scheme Facilitates bank loans between ₹10 lakh and ₹1 crore to at least one SC/ST and one woman… PM Vaya Vandana Yojana (PMVVY) A pension scheme for senior citizens, run by LIC, offering an assured return in exchange… PM SVANidhi (Street Vendor Loan Scheme) Provides collateral-free working capital loans to urban street vendors, with progressive… PM Matru Vandana Yojana (PMMVY) Maternity benefit scheme providing cash incentive to pregnant and lactating mothers to p… National Social Assistance Programme (NSAP) Umbrella scheme providing monthly pensions to elderly, widowed, and disabled persons fro… PM Shram Yogi Maandhan (PM-SYM) Voluntary pension scheme for unorganised-sector workers, offering a guaranteed ₹3,000 mo… Deendayal Antyodaya Yojana – NRLM Promotes rural self-employment through Self Help Groups (SHGs), providing skill training… PM Gram Sadak Yojana (PMGSY) Central infrastructure scheme providing all-weather road connectivity to unconnected rur… PM Vishwakarma Yojana A central scheme offering skill training, modern tools, and collateral-free credit to tr… PM Vishwakarma Toolkit and Credit Subsidy ₹15,000 toolkit incentive and ₹3 Lakh loan at 5% interest for 18 traditional artisan tra… PM Surya Ghar 300 Units Free Solar Up to ₹78,000 subsidy and 300 units free monthly solar electricity for households. PM PRANAM Organic Farming Subsidy Government incentive scheme to promote bio-fertilizers and organic farming practices. Stand-Up India SC/ST and Women Loan Bank loans between ₹10 Lakh to ₹1 Crore for SC/ST and Women entrepreneurs. PM Kisan Maandhan Farmers Pension Guaranteed ₹3,000 monthly pension for small and marginal farmers after age 60. Mahila Samman Savings Certificate Special 2-year post office deposit scheme for women with guaranteed 7.5% interest rate. PM-eBus Sewa Electric City Bus Central scheme deploying 10,000 electric buses in 169 cities for green urban transport. PM POSHAN School Mid-Day Meal National flagship nutrition scheme providing hot cooked meals to school children. NAMASTE Sanitation Worker Safety Zero manual scavenging initiative with ₹5 Lakh health insurance and equipment. PM-DevINE Infrastructure Scheme 100% central funding scheme for infrastructure and employment in North East states. PM Vidyalaxmi Scheme Financial support for meritorious students providing education loans up to ₹10 lakh for … Lakhpati Didi Yojana A scheme to financially empower Women Self Help Groups (SHGs) to earn at least ₹1 Lakh p… Namo Drone Didi Scheme Empowers women SHGs by providing drones and training for agricultural uses like pesticid…

State government schemes

Thalliki Vandanam Andhra Pradesh CM Arogya Arunachal Yojana (CMAAY) Arunachal Pradesh Dulari Kanya Scheme Arunachal Pradesh Deen Dayal Upadhyaya Bunkar Yojana Arunachal Pradesh Orunodoi Scheme Assam Kanya Utthan Yojana Bihar Mahtari Vandan Yojana Chhattisgarh Dayanand Social Security Scheme Goa Deen Dayal Swasthya Seva Yojana Goa Griha Aadhar Scheme Goa Vahli Dikri Yojana Gujarat HIMCARE Scheme Himachal Pradesh Mukhya Mantri Swawalamban Yojana Himachal Pradesh Sahara Yojana Himachal Pradesh Maiya Samman Yojana Jharkhand Gruha Lakshmi Yojana Karnataka Social Security Pension Kerala CM Widow Pension Scheme Manipur CMHT Health Scheme Manipur Lairik Yengminnasi Scheme Manipur FOCUS Scheme Meghalaya Meghalaya Health Insurance Scheme (MHIS) Meghalaya Ladki Bahin Yojana Maharashtra Bandhkam Kamgar Yojana Maharashtra BPL Housing Scheme Mizoram CM Rural Housing Scheme Mizoram Ladli Laxmi Yojana Madhya Pradesh CM Health Insurance Scheme (CMHIS) Nagaland Subhadra Yojana Odisha Ashirwad Scheme Punjab Chiranjeevi Yojana Rajasthan Aama Yojana Sikkim Sikkim Garib Awas Yojana Sikkim Vatsalya Yojana Sikkim Mahalakshmi Scheme Telangana Yuba Yogayog Yojana Tripura Kanya Sumangala Yojana Uttar Pradesh Lakshmir Bhandar West Bengal

Health schemes and services

Ayushman Bharat Health Account (ABHA) A unique 14-digit digital health ID that lets you create, access, and share your digital… CoWIN Vaccination Certificate Download your COVID-19 (and other CoWIN-linked) vaccination certificate, or book a vacci… e-Sanjeevani (Telemedicine) Free government telemedicine platform for online doctor consultations from home, includi… Organ Donation Registration (NOTTO) Pledge to donate organs after death by registering with the National Organ and Tissue Tr… e-RaktKosh (Blood Donation & Availability) Centralised portal to find blood banks, check blood group availability, register as a bl… Central Government Health Scheme (CGHS) Provides comprehensive healthcare (OPD, hospitalisation, diagnostics) to central governm… Janani Suraksha Yojana (JSY) Safe motherhood scheme providing cash assistance to pregnant women for institutional del… Rashtriya Bal Swasthya Karyakram (RBSK) Free child health screening program covering birth defects, diseases, deficiencies, and … Mission Indradhanush (Immunization) National immunization drive to ensure full vaccination coverage for children under 2 yea… Pradhan Mantri Surakshit Matritva Abhiyan (PMSMA) Provides a free, fixed-day comprehensive antenatal checkup (including specialist consult… ESIC (Employees' State Insurance) A self-financing social security scheme providing medical, sickness, maternity, and disa… Ayushman Vayo Vandana Card 70+ Universal ₹5 Lakh free health insurance card for all senior citizens aged 70+ regardless… Ni-kshay Poshan Monthly Support Direct Benefit Transfer (DBT) of ₹500-₹1,000 monthly nutrition support for TB patients. PM Jan Aushadhi Store Locator Locate nearest PM Bharatiya Janaushadhi Kendra to buy high-quality generic medicines at … eSanjeevani Free Doctor Teleconsultation Free National Telemedicine Service for video consultation with specialist doctors and e-… Unique Disability ID (UDID) Download Apply and download official Unique Disability ID (UDID) Card valid across all Indian sta… Kilkari Weekly Maternal Health Audio Free weekly interactive voice response (IVR) audio messages on pregnancy and child care. eRaktKosh National Blood Bank Finder Check real-time live blood stock availability and donate blood at nearby licensed blood … PMSMA Free Maternal Health Checkup Free quality antenatal care checkups for pregnant women on 9th of every month at govt ho… Central Govt Health Scheme CGHS Card Plastic CGHS Health Card for Central Government employees and pensioners for cashless me… NOTTO National Organ Donation Pledge Pledge to donate organs online on National Organ and Tissue Transplant Organization (NOT…

Maharashtra: MPBCDC loan schemes

MPBCDC Yojana Guide Complete guide for Direct Loan, Seed Capital & 50% Subsidy Scheme by MPBCDC. MPBCDC Direct Loan Yojana Direct loan scheme up to ₹1,00,000 at 4% interest rate for SC/Neo-Buddhist. MPBCDC Seed Capital Yojana Seed capital assistance up to ₹1 lakh (20% of project cost) for business projects. MPBCDC 50% Subsidy Yojana Get 50% subsidy on business projects up to ₹50,000 for small businesses.

Frequently asked questions

How do I find which government scheme is for me?

Enter your age, state, income and category in the Eligibility Checker to see the schemes you may qualify for. Then apply through the official link on each scheme's page.

What if the scheme money has not reached my account?

First check with your bank that the account is linked to Aadhaar (DBT/NPCI mapping) and KYC is complete. Then check the application status on the scheme's official portal.

Do I have to pay anyone to get a scheme?

Applying for government schemes is usually free. A CSC operator may charge a fixed service fee. Beware of people asking for money in the name of a scheme.