India Government Schemes
Comprehensive guide to central sector programs and state-sponsored public welfare benefits for farmers, students, women, and low-income families.
Featured Central & State Schemes
Verified official schemes available for online application
Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)
Central scheme providing ₹6,000 per year income support in three equal installments to all landholding farmer families across India.
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)
World's largest government-funded healthcare assurance scheme offering ₹5 Lakh cashless cover per family per year for secondary and tertiary care hospitalization.
Mukhyamantri Parivar Samridhi Yojana (MMPSY)
Haryana state umbrella scheme providing ₹6,000 annual financial and social security assistance to eligible families with annual income up to ₹1.80 Lakh.
Pradhan Mantri Fasal Bima Yojana (PMFBY)
Comprehensive financial support against non-preventable natural risks from pre-sowing to post-harvest with lowest premium rates (1.5% to 2%).
Kisan Credit Card (KCC) Scheme
Institutional credit for agriculture, animal husbandry, and fisheries up to ₹3 Lakh at an effective low interest rate of 4% per annum.
Pradhan Mantri Awaas Yojana - Gramin (PMAY-G)
Direct financial grant of ₹1,20,000 (plains) to ₹1,30,000 (hilly/difficult areas) for constructing a permanent pucca house with toilet and clean cooking gas.
Pradhan Mantri Jan Dhan Yojana (PMJDY)
National mission for financial inclusion providing zero-balance bank accounts, free RuPay debit card with ₹2 Lakh accident cover, and ₹10,000 overdraft facility.
Atal Pension Yojana (APY)
Guaranteed monthly lifetime pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000 from age 60 for unorganized sector workers.
Pradhan Mantri MUDRA Yojana (PMMY)
Collateral-free business loans up to ₹10-20 Lakh for non-corporate, non-farm small and micro enterprises categorized into Shishu, Kishore, and Tarun tiers.
Sukanya Samriddhi Yojana (SSY)
Government-backed small savings scheme for girl children offering highest sovereign interest rates (8.2%+), tax exemption under Section 80C, and EEE tax-free status.
Mukhyamantri Majhi Ladki Bahin Yojana
Direct benefit transfer of ₹1,500 per month (₹18,000 annually) into bank accounts of eligible women aged 21-65 years in Maharashtra with annual family income up to ₹2.5 Lakh.
Mukhyamantri Kanya Sumangala Yojana
Conditional cash transfer of up to ₹25,000 provided in 6 milestones from girl child birth through college graduation for families in Uttar Pradesh.
Mukhyamantri Ayushman Arogya Yojana (Formerly Chiranjeevi)
Cashless secondary and tertiary hospitalization cover up to ₹25 Lakh per family per year across public and empanelled private hospitals in Rajasthan.
Mukhyamantri Kisan Sahay Yojana (MKSY Gujarat)
Zero-premium crop assistance scheme providing direct compensation of up to ₹25,000 per hectare for crop losses due to drought, unseasonal rainfall, or heavy flood.
Unique Automated Test Program 2026
Automation test program
Automated Test Scheme muvhh47n
Automation test program
Karnal District Water Conservation & Micro-Irrigation Grant
Special 85% equipment subsidy for drip and sprinkler irrigation in Karnal district.
Pradhan Mantri Ujjwala Yojana (PMUY)
Deposit-free LPG cooking gas connections with free first cylinder and targeted subsidy for poor rural women.
PM SVANidhi Scheme (PM Street Vendor's AtmaNirbhar Nidhi)
Collateral-free working capital micro-credit up to ₹50,000 with 7% interest subsidy and cashback for urban street vendors.
PM Vishwakarma Scheme
Comprehensive support for traditional artisans & craftspeople: ₹15,000 toolkit e-voucher, ₹3 Lakh collateral-free loans at 5%, stipend and skill training.
Pradhan Mantri Awas Yojana - Urban (PMAY-U 2.0)
Central financial assistance and interest subsidy up to ₹2.67 Lakh for pucca urban houses to EWS, LIG, and Middle Income Families.
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
₹2 Lakh accident insurance cover for death and permanent disability at a nominal annual premium of just ₹20.
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
₹2 Lakh renewable annual term life insurance coverage for death due to any cause at a premium of ₹436/year.
Stand-Up India Scheme
Bank loans between ₹10 Lakh and ₹1 Crore for SC, ST, and Women entrepreneurs setting up greenfield enterprises.
Pradhan Mantri Poshan Shakti Nirman (PM POSHAN / Mid-Day Meal)
Free nutritious hot cooked meals for school children in government and government-aided schools from Balvatika to Class 8.
States & Union Territories
Browse welfare policies customized per regional administration