All Indian Government Schemes 2026 —
State Wise & Central Yojana List
Complete eligibility, registration guide, required documents & benefits for every government scheme in India. Updated regularly for 2026-27.
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View All →PM Vishwakarma Yojana 2026 — ₹3 Lakh Loan + ₹15,000 Toolkit for 18 Trades | pmvishwakarma.gov.in
PM Vishwakarma Yojana is a central government scheme launched on 17 September 2023 that supports traditional artisans and craftspeople across 18 trades with free skill training (₹500/day stipend), a ₹15,000 toolkit e-voucher, and collateral-free loans up to ₹3 lakh at just 5% interest. Implemented by the Ministry of MSME with a ₹13,000 crore budget over 5 years (FY2023-24 to FY2027-28). Registration is done FREE at Common Service Centres (CSC) using Aadhaar biometric authentication.
PM Awas Yojana 2026 — Pradhan Mantri Awas Yojana Gramin & Urban Subsidy
Pradhan Mantri Awas Yojana (PMAY), launched in 2016, is India's largest housing programme providing financial assistance to build pucca houses for economically weaker sections. Under PMAY-Gramin (rural), eligible BPL families receive ₹1.20 lakh in plain areas and ₹1.30 lakh in hilly or north-eastern states paid directly through DBT. Under PMAY-Urban, first-time homebuyers in EWS (annual income up to ₹3 lakh) get 6.5% interest subsidy on home loans up to ₹6 lakh, reducing monthly EMI significantly. LIG (income ₹3–6 lakh) gets 6.5%, MIG-I (₹6–12 lakh) gets 4%, and MIG-II (₹12–18 lakh) gets 3% subsidy under the Credit Linked Subsidy Scheme (CLSS). Beneficiaries are selected through the SECC database and state government surveys. Over 2.1 crore PMAY houses have been completed as of 2026.
PM Kisan Samman Nidhi Yojana 2026 — ₹6,000/Year to 11 Crore Farmers
PM-KISAN (Pradhan Mantri Kisan Samman Nidhi), launched in February 2019, provides ₹6,000 per year direct income support to all land-holding farmer families in India — transferred as three equal installments of ₹2,000 every four months directly to Aadhaar-linked bank accounts. As of 2026, over 11 crore farmers receive PM-KISAN, making it the world's largest direct cash transfer programme for farmers. All land-holding farming families are eligible, regardless of land size. Farmers must complete annual eKYC (OTP or biometric at CSC) to continue receiving installments. Income tax payees, government employees, and institutional landholders are excluded from PM-KISAN benefits.
Ayushman Bharat PM-JAY Yojana 2026 — ₹5 Lakh Free Health Insurance
Ayushman Bharat PM-JAY (Pradhan Mantri Jan Arogya Yojana), launched in September 2018, provides cashless hospitalisation coverage of ₹5 lakh per family per year at 30,000+ empanelled government and private hospitals. PM-JAY is the world's largest government-funded health insurance scheme, covering 55 crore+ people from the bottom 40% of India's population as per the SECC 2011 database. The scheme covers 1,949 medical procedures including surgeries, chemotherapy, kidney dialysis, neonatal care, and mental health treatment — at no cost to the beneficiary. Beneficiaries can avail treatment in any empanelled hospital across any state, completely cashless, using the Ayushman Card. Senior citizens aged 70+ years now get an additional ₹5 lakh top-up cover. Over 8 crore hospitalisation cases have been covered under PM-JAY as of 2026.
PM Ujjwala Yojana 2.0 — Free LPG Connection
Pradhan Mantri Ujjwala Yojana provides free LPG gas connections to women from below poverty line households to replace unhealthy cooking fuel usage.
PM Mudra Yojana 2026 — Collateral-Free Business Loan ₹50K to ₹20 Lakh
Pradhan Mantri Mudra Yojana offers collateral-free business loans to micro and small enterprises under four categories: Shishu (up to ₹50,000), Kishore (₹50,001–₹5 lakh), Tarun (₹5 lakh–₹10 lakh), and Tarun Plus (₹10 lakh–₹20 lakh, launched 2024 for repeat Tarun borrowers). Over 52 crore loans sanctioned worth ₹27 lakh crore since 2015.
Sukanya Samriddhi Yojana 2026 — 8.2% Interest Girl Child Savings Scheme
Sukanya Samriddhi Yojana is a government-backed savings scheme for girl children offering one of the highest fixed interest rates (8.2% p.a.) with full tax exemption under Section 80C. Minimum deposit just Rs.250/year; maximum Rs.1.5 lakh/year. Account matures 21 years from opening or at marriage after age 18.
Kisan Credit Card (KCC) Scheme 2025
Kisan Credit Card provides farmers with flexible and affordable short-term credit for cultivation expenses, post-harvest needs, and allied activities at interest rates as low as 4% per annum.
National Scholarship Portal (NSP) 2026 — Apply for Central Scholarships Online
The National Scholarship Portal is a one-stop platform for students to apply for all central government scholarship schemes including pre-matric, post-matric, and merit-cum-means scholarships for SC, ST, OBC, and minority students.
PM Surya Ghar Muft Bijli Yojana 2026 — 300 Units Free Electricity
PM Surya Ghar Muft Bijli Yojana provides 300 units of free electricity per month to households that install rooftop solar panels, with a central government subsidy of up to ₹78,000 on installation cost.
E-Shram Card 2026 — Free Registration for Unorganized Workers
E-Shram is a national database for unorganized sector workers providing a Universal Account Number (UAN) card, ₹2 lakh accident insurance, and priority access to 12 government welfare schemes.
Agniveer Scheme 2026 — Agnipath Defence Recruitment, Salary & Seva Nidhi
The Agniveer Scheme, launched under the Agnipath programme in 2022, recruits Indian youth aged 17.5 to 21 years for a 4-year short-service commission in the Indian Army, Navy, or Air Force. Agniveers receive a monthly salary starting at Rs.30,000 (rising to Rs.40,000 in the 4th year) plus risk and hardship allowances. On completion of 4 years, they receive a tax-free Seva Nidhi package of Rs.11.71 lakh (their contribution matched by the government with interest). Up to 25% of each batch is offered permanent enrolment in the regular armed forces based on merit and performance. Agniveers also receive priority in central paramilitary forces (CRPF, CISF, BSF) and several state police recruitment drives.
PM Jan Dhan Yojana 2026 — Zero Balance Bank Account + ₹2 Lakh Insurance
Pradhan Mantri Jan Dhan Yojana (PMJDY) is India's largest financial inclusion scheme with 56+ crore accounts. Any Indian citizen can open a zero-balance savings account with free RuPay debit card, ₹2 lakh accident insurance, ₹30,000 life insurance, and ₹10,000 overdraft facility.
MGNREGA / NREGA Job Card 2026 — 100 दिन काम की गारंटी, ₹267/दिन मजदूरी
Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) guarantees 100 days of wage employment per year to every rural household in India. Workers receive ₹267/day (minimum wage varies by state) directly to their bank accounts. With over 15 crore active Job Card holders, MGNREGA is the world's largest employment guarantee programme.
PM Internship Scheme 2026 — ₹9,000/Month Stipend | 1 Crore Youth | pminternship.mca.gov.in
PM Internship Scheme is a flagship Government of India initiative launched in 2024 that places 1 crore young Indians (aged 21–24) in 12-month paid internships at top 500 companies across sectors. Interns receive ₹9,000/month stipend (₹6,000 from government + ₹3,000+ from company CSR), ₹6,000 one-time travel grant, and ₹2 lakh accident insurance under PM Jeevan Jyoti Bima Yojana.
PM Kisan Maandhan Yojana 2026 — ₹3,000/Month Pension for Farmers | maandhan.in
PM Kisan Maandhan Yojana (PM-KMY) is a voluntary and contributory pension scheme for small and marginal farmers launched in 2019. Farmers aged 18–40 contribute a small monthly amount (₹55–₹200 depending on entry age) and receive a guaranteed pension of ₹3,000/month after reaching 60 years of age. The Government of India contributes an equal matching amount to the Pension Fund.
PM Kaushal Vikas Yojana 4.0 — 2026 Free Skill Training + ₹8,000 Certificate | PMKVY
PM Kaushal Vikas Yojana 4.0 (PMKVY 4.0) is the fourth phase of India's flagship skill training programme launched in 2022. It provides free short-term skill training in 220+ job roles across industry sectors to 1 crore youth. Trainees receive a National Skill Qualification Framework (NSQF)-linked certificate, ₹8,000 completion bonus, and placement support through top companies.
PM Swamitva Yojana 2026 — Village Property Card | Drone Survey | ₹5 Lakh Loan Collateral
PM Swamitva Yojana (Survey of Villages Abadi and Mapping with Improvised Technology in Village Areas) provides legal property rights to village household owners through drone-based survey. Villagers get a Property Card (Adhikar Patra) which can be used as collateral for bank loans up to ₹5 lakh. Launched in 2020, covering 6 lakh+ villages across India.
PM DAKSH Yojana 2026 — Free Skill Training for SC/ST/OBC/Minorities | ₹3,000 Stipend
PM DAKSH (Pradhan Mantri Dakshata Aur Kushalta Sampann Hitgrahi) Yojana provides free short-term and long-term skill training to Scheduled Castes, Scheduled Tribes, OBCs, EBCs, DNTs, and Minorities. Trainees receive ₹1,000–₹3,000 monthly stipend during training, placement support, and industry-recognized certification. Apply at pmdaksh.dosje.gov.in.
DAY-NRLM Ajeevika 2026 — Self Help Group Loan ₹3 Lakh | aajeevika.gov.in
Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM) organises rural poor women into Self Help Groups (SHGs) and provides them access to bank credit, livelihood support, and social mobilisation. SHGs get revolving fund of ₹15,000, Community Investment Fund up to ₹2.5 lakh, and bank loans up to ₹3 lakh at subsidised rates.
PM SHRI Schools Scheme 2026 — 14,500 Upgraded Schools | Smart Class + Career Counselling
PM SHRI (PM Schools for Rising India) is a centrally sponsored scheme that upgrades 14,500 government schools across India into modern, green, and smart schools. Each selected PM SHRI school gets ₹2 crore+ for smart classrooms, digital libraries, labs, career counselling, vocational education, and NEP 2020 implementation over 5 years.
One Nation One Ration Card (ONORC) 2026 — Ration Anywhere in India | nfsa.gov.in
One Nation One Ration Card (ONORC) allows any NFSA beneficiary to avail their entitled ration from any Fair Price Shop (FPS) anywhere in India using Aadhaar-based biometric authentication. Migrant workers can now get ration in the city where they work, not just their home state. All 36 states/UTs are covered under ONORC.
NMMS Scholarship 2026 — ₹12,000/Year for Class 9-12 Meritorious Students | scholarships.gov.in
National Means-cum-Merit Scholarship (NMMS) is a centrally sponsored scholarship scheme that provides ₹12,000 per year (₹1,000/month) to meritorious students from economically weaker sections studying in Classes 9 to 12 in government schools. The scholarship continues for all 4 years (Class 9 to 12) subject to annual renewal. Apply through scholarships.gov.in.
PPF – Public Provident Fund 2026 — 7.1% Interest | Tax-Free ₹1.5 Lakh/Year | 15-Year Lock
Public Provident Fund (PPF) is India's most popular long-term savings scheme backed by the Government of India with guaranteed returns. Invest ₹500 to ₹1.5 lakh per year and earn 7.1% interest (compounded annually) — completely tax-free under Section 80C and Section 10. Maturity period is 15 years (extendable). Account can be opened at any post office or nationalised bank.
NPS – National Pension System 2026 — Market-Linked Pension + 80CCD Tax Benefit ₹2 Lakh
National Pension System (NPS) is a voluntary, contributory pension scheme regulated by PFRDA (Pension Fund Regulatory and Development Authority). Open to all Indian citizens aged 18–70. Invest in market-linked pension funds and receive a monthly pension after age 60. NPS offers additional tax deduction of ₹50,000 under Section 80CCD(1B) over and above the ₹1.5 lakh 80C limit.
SCSS – Senior Citizen Savings Scheme 2026 — 8.2% Interest | ₹30 Lakh Maximum | Post Office
Senior Citizen Savings Scheme (SCSS) is a government-backed savings scheme specifically for senior citizens (60+ years) offering the highest guaranteed interest rate among all small savings schemes — 8.2% per annum (paid quarterly). Maximum deposit ₹30 lakh per person. Backed by Government of India, completely safe. Available at all post offices and select banks.
Swachh Bharat Mission 2026 — Free Toilet Construction ₹12,000 | SBM-Gramin + Urban | sbmurban.org
Swachh Bharat Mission (SBM) is India's largest sanitation programme launched on October 2, 2014. Under SBM-Gramin (rural), BPL and identified APL households get ₹12,000 incentive to construct household toilets. Under SBM-Urban, urban local bodies get funding for individual, community, and public toilets. SBM-Gramin Phase 2 focuses on ODF Plus (solid/liquid waste management, plastic waste management).
PM Matsya Sampada Yojana 2026 — ₹3 Lakh Subsidy for Fishermen | pmmsy.dof.gov.in
Pradhan Mantri Matsya Sampada Yojana (PMMSY) is the flagship fisheries development scheme launched in 2020 with a budget of ₹20,050 crore. It provides subsidized assistance for aquaculture infrastructure, fishing boats, nets, ice plants, cold storage, and livelihood support to 2.8 crore fishing community members. Subsidy: 40-60% for general category, 60% for SC/ST/Women.
National Health Mission 2026 — Free Health Services + Free Medicines + NHM ASHAs | nhm.gov.in
National Health Mission (NHM) is India's largest public health programme covering National Rural Health Mission (NRHM) and National Urban Health Mission (NUHM). It provides free essential medicines, diagnostics, and health services at government health facilities. Key components: ASHA workers, Janani Suraksha Yojana (JSY), Janani Shishu Suraksha Karyakram (JSSK), free immunisation, and Rashtriya Bal Swasthya Karyakram (RBSK).
Startup India Scheme 2026 — Tax Exemption + ₹10 Crore Funding | Fund of Funds | startupindia.gov.in
Startup India is Government of India's flagship initiative to build a strong startup ecosystem. Recognized startups get: 3-year income tax exemption (80-IAC), 80% rebate on patent fees, government procurement without prior experience requirement, self-certification under 9 labour laws, and access to Fund of Funds (FFS) of ₹10,000 crore. Register at startupindia.gov.in to get DPIIT recognition certificate.
Digital India Scheme 2026 — DigiLocker, UMANG, CSC, BharatNet | digitalindia.gov.in
Digital India is the Government of India's flagship programme to transform India into a digitally empowered society. Key pillars: DigiLocker (online document storage), UMANG app (500+ government services), BharatNet (rural broadband), CSC (Common Service Centres — 5 lakh+), Aadhaar-based DBT, e-Courts, e-Hospital, BHIM UPI, and India Stack APIs. Launched in 2015 with a vision of Digital Infrastructure, Digital Services, and Digital Literacy.
DDU-GKY 2026 — Free Residential Skill Training + Placement for Rural Youth | ddugky.gov.in
Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY) provides free residential skill training to rural youth from poor families (aged 15-35) and places them in jobs paying minimum ₹10,000/month. It is funded by Ministry of Rural Development and covers food, accommodation, and training costs. Focus on SC/ST/minorities/women — 50% of training must be for these categories.
Lakhpati Didi Yojana 2026 — 3 Crore Women SHG Members Earn ₹1 Lakh+/Year | Free Skill Training
Lakhpati Didi Yojana is the Government of India's ambitious initiative to make 3 crore women SHG (Self Help Group) members earn ₹1 lakh or more per year through skill development, micro-enterprise support, and livelihood enhancement. Announced by PM Modi in 2023, it provides free skill training in LED bulb making, plumbing, drone repair, solar panel installation, and other high-demand trades. Drone Didi is a subset of this initiative.
Namo Drone Didi 2026 — 15,000 Women SHG Drones | Agricultural Spraying | ₹8 Lakh Subsidy
Namo Drone Didi is a Government of India scheme to provide 15,000 agricultural drones to women SHG (Self Help Group) clusters for crop spraying and agri-services. Each SHG cluster (10-15 SHGs) gets a drone with 80% subsidy (up to ₹8 lakh), free training for the woman pilot, and a guaranteed income of ₹1 lakh/year from drone rental services to farmers in their area.
NAPS – National Apprenticeship Promotion Scheme 2026 — ₹1,500/Month Stipend Share | apprenticeshipindia.org
National Apprenticeship Promotion Scheme (NAPS) promotes apprenticeship training by sharing 25% of the prescribed stipend (up to ₹1,500/month) with employers who engage apprentices. The scheme covers all designated trades and optional trades under Apprentices Act. Over 50 lakh apprentices trained since launch. Apply at apprenticeshipindia.org as student or employer.
PM Dhan-Dhaanya Krishi Yojana 2025 — ₹1.44 Lakh Crore Agriculture Mission for 1.7 Crore Farmers | pmddk.gov.in
PM Dhan-Dhaanya Krishi Yojana (PMDDKY) is India's most significant new agriculture scheme launched by PM Modi in October 2025 under Budget 2025-26. The scheme targets 100 low-productivity agricultural districts across India with a ₹1.44 lakh crore investment over 6 years, benefiting 1.7 crore farmers. It integrates 36 existing central agriculture schemes under one umbrella to deliver irrigation, crop insurance, soil health, post-harvest storage, credit access, and market linkage in a convergent manner to each selected district. The scheme prioritises Aspirational Districts and districts with below-national-average agricultural productivity. Key benefits include: pre and post-harvest infrastructure, crop diversification support, natural farming promotion, and farmer income doubling through value-chain linkages.
Antyodaya Anna Yojana (AAY) 2026 — 35 Kg Subsidised Grain/Month for Poorest Families | nfsa.gov.in
Antyodaya Anna Yojana (AAY) is India's targeted food security scheme for the poorest of the poor, launched by PM Atal Bihari Vajpayee in December 2000. Under AAY, identified families (with yellow ration card) receive 35 kg of food grain per month at highly subsidised rates — rice at ₹3/kg and wheat at ₹2/kg (and coarse cereals at ₹1/kg). AAY covers 2.5 crore families nationally — those with no steady income, landless agriculture labourers, marginal farmers, rural artisans, slum dwellers, and the destitute. Under the National Food Security Act (NFSA) 2013, AAY beneficiaries receive grains free of cost (zero price) as the state and central government absorb the full cost. The yellow AAY ration card is distinct from the Priority Household (PHH) white/pink card.
PM Krishi Sinchai Yojana (PMKSY) 2026 — Har Khet Ko Pani, More Crop Per Drop | pmksy.gov.in
Pradhan Mantri Krishi Sinchai Yojana (PMKSY) is India's flagship irrigation scheme launched in 2015 with the motto 'Har Khet Ko Pani, More Crop Per Drop.' The scheme aims to achieve convergence of irrigation investments at field level — providing end-to-end solutions from water source creation to field application. PMKSY has four major components: (1) Accelerated Irrigation Benefit Programme (AIBP) — completing long-pending irrigation projects; (2) Har Khet Ko Pani (HKKP) — ground water development and distribution network; (3) Per Drop More Crop (PDMC) — micro-irrigation (drip and sprinkler) with 55% subsidy for small/marginal farmers; (4) Watershed Development. Over 7 crore hectares of agricultural land covered with an outlay of ₹93,068 crore under the current phase.
PM Vaya Vandana Yojana (PMVVY) 2026 — Guaranteed 7.4% Pension for Senior Citizens via LIC | licindia.in
Pradhan Mantri Vaya Vandana Yojana (PMVVY) is a government-backed pension scheme exclusively for senior citizens aged 60 years and above, administered by LIC of India. PMVVY provides guaranteed pension income at 7.4% per annum for 10 years — payable monthly, quarterly, half-yearly, or annually — regardless of market conditions. Launched by PM Modi in 2017 and extended in subsequent phases, it allows investment of up to ₹15 lakh per senior citizen (₹30 lakh per couple), giving a maximum monthly pension of ₹9,250 per month. After 10 years, the full purchase price is returned to the investor or to their nominee on death. In case of critical illness, premature exit is permitted with 98% of purchase price returned.
Gig & Platform Workers Social Security Scheme 2025 — PM-JAY + e-Shram Benefits for 1 Crore Workers | eshramnidhi.nic.in
The Gig and Platform Workers Social Security Scheme is India's Budget 2025-26 flagship initiative to extend formal social security to an estimated 1 crore gig and platform workers (Ola/Uber drivers, Swiggy/Zomato delivery partners, Urban Company workers, etc.) who were previously excluded from any welfare net. The scheme extends PM-JAY health insurance (₹5 lakh/year) and e-Shram accident insurance (₹2 lakh) to all registered gig workers through the e-Shram portal. Additionally, aggregator platforms (Ola, Uber, Swiggy, Zomato) are required to contribute 1-2% of their platform fees to a Gig Workers Welfare Fund. India is among the first countries to legislate social security for gig workers at this scale.
e-NAM — National Agriculture Market 2026 — Online Mandi for 1.8 Crore Farmers | enam.gov.in
e-NAM (Electronic National Agriculture Market) is India's pan-India electronic trading portal for agricultural commodities, launched in 2016 to create a unified national market for farmers. It connects 1,361 APMCs (Mandis) across 23 states/UTs through a single online platform, enabling farmers to sell their produce to buyers across India at transparent, competitive prices without middlemen. Farmers get better price discovery through online bidding, while buyers can purchase from any empanelled mandi remotely. Over 1.8 crore farmers and 2.7 lakh traders are registered. Key features: online quality assaying, electronic payment, logistics integration, and FPO (Farmer Producer Organisation) trading module. The platform handles over ₹3 lakh crore in trade annually.
Soil Health Card Scheme India 2026 — Free Soil Testing & Fertiliser Recommendations for Farmers | soilhealth.dac.gov.in
Soil Health Card (SHC) Scheme is India's flagship soil testing initiative launched by PM Modi in February 2015. Under the scheme, every farmer's agricultural land is tested for 12 soil health parameters including major nutrients (N, P, K), secondary nutrients (S, Ca, Mg), and micro-nutrients (Fe, Mn, Cu, Zn, B, Mo) every 3 years. Based on test results, a Soil Health Card is issued — a printed/digital report showing soil nutrient status and crop-specific fertiliser recommendations (how much urea, DAP, potash to use). The scheme has issued over 23 crore soil health cards to date, saving farmers money on excess fertiliser use while improving crop yields by 5-6%. Under Budget 2025-26, the scheme is being expanded with digital soil map creation.
NATS — National Apprenticeship Training Scheme 2026 — Stipend for Diploma & Degree Graduates | nats.education.gov.in
National Apprenticeship Training Scheme (NATS) is India's government scheme providing on-the-job training to diploma and degree graduates in government and private establishments, with a monthly stipend of ₹3,542–₹9,000 depending on qualification and establishment type. Administered by the Board of Apprenticeship Training (BOAT) under the Ministry of Education, NATS is distinct from NAPS (National Apprenticeship Promotion Scheme under Labour Ministry which covers ITI/vocational). NATS specifically targets engineering diploma holders and graduate engineers for 1-year structured training at India's top public sector undertakings (PSUs) and private companies. Over 5.23 lakh apprentices were engaged in FY2024-25. The scheme is mandatory for establishments with 30+ employees to engage apprentices.
PM Garib Kalyan Anna Yojana (PMGKAY) 2026 — Free 5 kg Grain/Month to 81 Crore | nfsa.gov.in
PM Garib Kalyan Anna Yojana (PMGKAY) provides free food grain — 5 kg wheat/rice per person per month — to 81.35 crore beneficiaries covered under the National Food Security Act (NFSA). Launched in April 2020 during COVID-19, made permanent from January 2024 under the NFSA umbrella. No payment required — grain is distributed free through PDS ration shops. Budget: ₹2 lakh crore annually. Managed by the Ministry of Consumer Affairs, Food & Public Distribution.
PMAY Urban 2.0 (2024) — Rs 2.30 Lakh Subsidy + 1 Crore New Urban Houses | pmaymis.gov.in
Pradhan Mantri Awas Yojana Urban 2.0 (PMAY-U 2.0) was launched in August 2024 to build 1 crore affordable houses for urban poor and middle-class families over 5 years (2024-29) with a total outlay of Rs 10 lakh crore. The scheme provides interest subsidy (Credit Linked Subsidy Scheme — CLSS) up to Rs 2.30 lakh on home loans, beneficiary-led construction (BLC) assistance, and affordable housing in partnership. EWS/LIG/MIG families with annual income up to Rs 18 lakh are eligible.
NSAP Pension Scheme 2026 — Rs 200-500/Month to 3.5 Crore Elderly, Widows, Disabled | nsap.nic.in
National Social Assistance Programme (NSAP) is a flagship central social protection scheme providing monthly cash pensions to elderly (60+), widows, and persons with disabilities below the poverty line. Components: Indira Gandhi National Old Age Pension Scheme (IGNOAPS) — Rs 200/month (60-79 yrs), Rs 500/month (80+ yrs); Indira Gandhi National Widow Pension Scheme (IGNWPS) — Rs 300/month; Indira Gandhi National Disability Pension Scheme (IGNDPS) — Rs 300/month; Annapurna — 10 kg free grain. Over 3.5 crore beneficiaries annually. States often top up the central component.
PM SVANidhi 2.0 — Rs 10,000-50,000 Loan to 60 Lakh Street Vendors | pmsvanidhi.mohua.gov.in
PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) provides affordable working capital loans to street vendors. Extended as PM SVANidhi 2.0, the scheme offers: 1st loan Rs 10,000, 2nd loan Rs 20,000, 3rd loan Rs 50,000 — all with 7% interest subsidy. Vendors who repay on time and use digital transactions get 1% cashback. Over 60 lakh loans sanctioned. Ministry of Housing and Urban Affairs implements via ULBs and microfinance institutions.
Mission Shakti 2026 — One Stop Centre + Nirbhaya Fund + Ujjwala | WCD Women Safety Umbrella Scheme
Mission Shakti is the Ministry of Women and Child Development's flagship umbrella scheme for the safety, security, and empowerment of women. Launched in 2021-22, it consolidates multiple women safety schemes into two sub-schemes: SAMBAL (safety/support) and SAMARTHYA (empowerment). SAMBAL covers: One Stop Centres (OSC) — 733+ centres for distress women; 181 women helpline; PM Matru Vandana Yojana maternity benefit; Swadhar Greh (shelter homes). SAMARTHYA covers: Beti Bachao Beti Padhao; Ujjwala anti-trafficking; Nari Adalats. Nirbhaya Fund projects also channelled through Mission Shakti.
PM WANI Free Public WiFi 2026 — Rural Kirana से WiFi | 20 Lakh Access Points | PM-WANI Scheme
PM WANI (Wi-Fi Access Network Interface) is India's free public WiFi scheme that enables any shopkeeper, tea stall, or kirana store to become a public WiFi hotspot without a licence. Launched December 2020, it works through Public Data Offices (PDOs — any shop) who install WiFi routers and provide internet to public. Citizens get affordable/free WiFi access. Target: 20 lakh PDO hotspots across India, especially rural areas. Anyone can walk into a PM-WANI PDO shop and connect to internet. No licence needed for shopkeepers.
PM Matsya Kisan Samridhi Sah-Yojana (PM-MKSSY) 2026 — ₹3 Lakh Kisan Credit + Micro Insurance | Fishermen Scheme
Pradhan Mantri Matsya Kisan Samridhi Sah-Yojana (PM-MKSSY) is a new central scheme launched in Budget 2024-25 specifically for the formalization and welfare of fishermen and fish farmers. Key benefits: Kisan Credit Card (KCC) for fishermen — ₹3 lakh credit at 7% (effective 4% with subvention); micro-insurance of ₹2 lakh for boat owners and ₹1 lakh for non-boat fishermen; onboarding on PM FishNet digital platform for identity and market access; and performance grants for fish production. Target: 4 crore fishermen and 7.5 lakh fish farmers. Part of PM Matsya Sampada Yojana ecosystem.
NPS Vatsalya 2026 — Pension for Children | National Pension System for Minors
NPS Vatsalya is a dedicated National Pension System account for minors, launched in September 2024. Parents or legal guardians open and manage the account on behalf of a child below 18 years. A minimum annual contribution of ₹1,000 is required with no upper limit. On reaching 18, the NPS Vatsalya account seamlessly converts into a standard NPS Tier-I account, giving the young adult a head start on long-term retirement savings. Partial withdrawals (up to 25% of contributions, maximum 3 times) are allowed for education, medical treatment, or disability before the minor turns 18.
Bima Sakhi Yojana 2026 — LIC Women Agent ₹7,000/Month Stipend | bima sakhi lic
Bima Sakhi Yojana is a Life Insurance Corporation (LIC) scheme launched by PM Modi in December 2024 to empower rural and semi-urban women as LIC insurance agents. Enrolled women receive a monthly stipend of ₹7,000 (Year 1), ₹6,000 (Year 2), and ₹5,000 (Year 3) in addition to commission income from policies sold. After the 3-year period, they continue as full LIC agents earning commissions. The scheme targets 2 lakh women over 3 years and provides IRDAI agent licensing and free training.
Unified Pension Scheme (UPS) 2025 — 50% Assured Pension for Central Govt Employees
The Unified Pension Scheme (UPS) is a central government pension reform approved by Cabinet in August 2024 and implemented from April 1, 2025. It offers central government employees currently under NPS (National Pension System) an assured pension of 50% of the average basic pay drawn over the last 12 months before superannuation, after completing 25 years of service. A minimum pension of ₹10,000/month is guaranteed for those with 10+ years of service. The family pension is 60% of the employee's pension amount. Pension is indexed to inflation through Dearness Allowance.
PM Vidya Lakshmi Scheme 2026 — Collateral-Free ₹10 Lakh Education Loan | pmvidyalakshmi.co.in
PM Vidya Lakshmi Scheme, approved by Cabinet in November 2024, provides collateral-free education loans of up to ₹10 lakh to meritorious students admitted to Quality Higher Education Institutions (QHEIs). Students from families with annual income up to ₹8 lakh get a 75% credit guarantee, removing the need for collateral or guarantor. For families with income up to ₹4.5 lakh, the government pays the full interest during the moratorium (study period + 1 year). Students can apply to up to 3 banks simultaneously through a single Common Education Loan Application Form (CELAF) at pmvidyalakshmi.co.in.
PM E-DRIVE Scheme 2026 — EV Subsidy ₹500–₹1.5 Lakh | Electric 2W 3W Bus Ambulance
PM Electric Drive Revolution in Innovative Vehicle Enhancement (PM E-DRIVE) replaced FAME-II from March 2024 with an outlay of Rs.10,900 crore till March 2026. It provides direct subsidies on purchase of electric 2-wheelers (up to Rs.10,000), electric 3-wheelers (up to Rs.50,000), electric buses (Rs.40 lakh+), e-ambulances, e-trucks, and electric public transport vehicles. Unlike FAME-II, PM E-DRIVE focuses on fleet electrification and public transport rather than personal vehicles. EV charging infrastructure rollout: 22,000+ public fast chargers funded.
AB-PMJAY Senior Citizens 70+ Free Health Cover 2026 — ₹5 Lakh Cashless | Vy Vandana Card
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) for Senior Citizens 70+ is a landmark October 2024 expansion of India's flagship health insurance scheme. Every Indian citizen aged 70 years and above gets ₹5 lakh per year cashless health cover at empanelled hospitals — REGARDLESS of income, BPL status, or pre-existing PMJAY enrollment. Families already covered under PMJAY get an additional ₹5 lakh top-up exclusively for senior members. The new Vy Vandana Card (Distinct Senior Card) is issued separately to 70+ citizens. Covers cardiac, cancer, kidney, joint replacement, neurosurgery, ICU, and 1,949+ procedures at 30,000+ hospitals nationwide.
Mission Indradhanush 5.0 (IMI 5.0) 2026 — Free Vaccination for 12 Diseases | Children & Pregnant Women
Intensified Mission Indradhanush 5.0 (IMI 5.0) is India's flagship universal immunization campaign launched in August 2023 under the National Health Mission. It targets 100% full immunization of pregnant women and children aged 0–5 years against 12 vaccine-preventable diseases: tuberculosis (BCG), polio (OPV/IPV), hepatitis B, diphtheria, pertussis, tetanus, Haemophilus influenzae type b, rotavirus, measles, rubella, pneumococcal disease, and Japanese encephalitis (in endemic districts). IMI 5.0 specifically addresses 'zero-dose' children and dropouts identified through digital data systems. The Mission Indradhanush series has so far covered 5.46 crore children and 1.32 crore pregnant women across all districts of India.
PM MITRA Mega Textile Parks 2026 — 7 Mega Parks | ₹4,445 Crore | Manufacturing Jobs for Lakhs
Pradhan Mantri Mega Integrated Textile Region and Apparel (PM MITRA) is a flagship scheme to develop 7 mega textile parks across India with a total outlay of ₹4,445 crore (2021–2028). The 7 parks are located in: Virudhunagar (Tamil Nadu), Warangal (Telangana), Navsari (Gujarat), Kalaburagi (Karnataka), Dhar (Madhya Pradesh), Lucknow (Uttar Pradesh), and Amravati (Maharashtra). Each park has world-class plug-and-play infrastructure for spinning, weaving, processing, dyeing, printing, and garment manufacturing in one location. PM MITRA aims to create 20 lakh direct and 70 lakh indirect jobs, attract Rs 70,000 crore in investment, and boost textile exports.
NMEO-Oilseeds 2026 — ₹10,103 Crore Edible Oils Self-Reliance Mission | Farmer Subsidy + Seeds
National Mission on Edible Oils – Oilseeds (NMEO-Oilseeds) is the central government's ₹10,103 crore mission approved in September 2024 to achieve self-reliance (Atmanirbhar) in edible oils. India currently imports 56% of its edible oils (over Rs 1.4 lakh crore worth annually). NMEO-Oilseeds targets boosting domestic oilseed production from 39 million tonnes (2022-23) to 69.7 million tonnes by 2030-31, increasing area under oilseeds by 40 lakh hectares. Key crops: groundnut, mustard, soybean, sunflower, sesame, niger, linseed, safflower, castor. Farmers get high-yield seeds, training, mechanization subsidy, and bonus on MSP. Implementation: 2024-25 to 2030-31.
Skill India Digital Hub 2026 — Free Online Skilling Platform | Education + Employment Aggregator
Skill India Digital Hub (SIDH) is a comprehensive digital platform launched in September 2023 by the Ministry of Skill Development & Entrepreneurship (MSDE). SIDH aggregates skill development, education, employment, and entrepreneurship opportunities in one place. Users can: (1) Access 7,500+ free courses across PMKVY, NCS, and partner platforms; (2) Get personalised skill recommendations using AI; (3) Find job and apprenticeship opportunities via NCS integration; (4) Receive digital skill certificates (NCVET-verified); (5) Apply for entrepreneurship and self-employment loans. SIDH is the ONE-STOP SHOP for skill seekers, integrating PMKVY, NAPS, NATS, NCS, DDU-GKY, eKaushal, ASEEM, and other government skill initiatives.
Khelo India Scheme 2026 — ₹5 Lakh/Year Athlete Scholarship | Khelo India Youth Games | KIRTI Talent Search
Khelo India is the Government of India's flagship sports development scheme launched in 2018 to revive sports culture, identify talent, and create world-class sports infrastructure. Components: (1) Khelo India Youth Games (KIYG) — annual multi-sport competition for under-17 and under-21 athletes; (2) Khelo India University Games (KIUG) — for university students; (3) Khelo India Talent Identification — top athletes get ₹6.28 lakh/year scholarship (₹120,000 stipend + boarding/lodging + training + competition exposure) for 8 years through Khelo India Athlete (KIA) status; (4) KIRTI (Khelo India Rising Talent Identification) — talent hunt scheme for under-14 to under-17 with 1 lakh+ athletes assessed annually; (5) Khelo India Centres — 1,000+ sports centres across districts.
Apna CSC 2026 — Common Service Centres | 5 Lakh+ Digital Service Outlets | VLE Registration
Common Service Centres (CSC) is one of India's largest digital service delivery networks, operated by the CSC e-Governance Services India Limited under the Ministry of Electronics and Information Technology (MeitY). With over 5 lakh CSCs across rural and urban India, the scheme delivers 400+ government and private digital services at the village level — Aadhaar enrollment, PAN card, passport, banking, insurance, telemedicine, education, e-courts, FASTag, and more. Village Level Entrepreneurs (VLEs) operate CSCs and earn commission on every transaction. CSC reach: 2.5+ lakh Gram Panchayats covered. Apna CSC mobile app and apnacsc.in allows VLE registration, service catalog access, and earnings tracking.
PMMSY RAS & Biofloc Fish Farming 2026 — 40-60% Subsidy on High-Density Fish Production | Aquaculture Scheme
Under Pradhan Mantri Matsya Sampada Yojana (PMMSY), the RAS (Recirculating Aquaculture System) and Biofloc Fish Farming components provide 40% subsidy to general category and 60% subsidy to women/SC/ST/Northeast farmers on setting up high-density indoor fish farms. RAS is a sophisticated indoor fish farming technology where water is filtered and recirculated, allowing year-round production with minimal water use. Biofloc is a low-cost variant where microbial biomass in the tank itself filters waste. PMMSY subsidy: Up to Rs 25 lakh per RAS unit (12 tanks) and Rs 4 lakh per medium biofloc unit (7 tanks). Boosts inland fish production, reduces water/land requirement, and provides high returns (Rs 5–8 lakh annually per unit).
PM Shram Yogi Maandhan (PM-SYM) 2026 — ₹3,000/Month Pension for Unorganised Workers | maandhan.in
Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) is the flagship pension scheme for India's unorganised sector workers — street vendors, rickshaw pullers, domestic workers, construction labourers, agriculture labourers, hawkers, and home-based workers. Launched February 2019. Workers aged 18-40 with monthly income ≤ ₹15,000 contribute ₹55-₹200/month (based on entry age) and the Government of India matches the contribution on 1:1 basis. After age 60, beneficiaries receive a guaranteed monthly pension of ₹3,000 for life. 50+ lakh subscribers enrolled. Enroll at maandhan.in or any CSC.
PM Bhartiya Janaushadhi Pariyojana (PMBJP) 2026 — Cheap Generic Medicines at 14,000+ Jan Aushadhi Kendras | janaushadhi.gov.in
Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP) makes quality generic medicines available at 50-90% cheaper prices than branded equivalents through Jan Aushadhi Kendras (JAKs). Run by Pharmaceuticals & Medical Devices Bureau of India (PMBI). Over 14,000 Kendras across all districts; sells 2,047+ medicines and 300+ surgical items. The Janaushadhi Suvidha Oxo-Biodegradable Sanitary Napkin is available at just ₹1/pad. Launched 2008 (rebranded 2015). PMBJP saves Indians ₹30,000+ crore annually in healthcare costs.
One Rank One Pension (OROP) 2026 — Defence Pensioners Equal Pension by Rank | Latest OROP-3 Revision
One Rank One Pension (OROP) is the landmark Government of India scheme ensuring that defence personnel of the SAME RANK retiring with SAME LENGTH OF SERVICE get the SAME PENSION, regardless of retirement date. Approved November 2015 (effective from 1 July 2014). Periodically revised every 5 years. OROP-2 revision (Jan 2022) covered pensions till 1 July 2019. The Defence Ministry has approved further revision (OROP-3) effective from 1 July 2024, benefiting over 25 lakh ex-servicemen, war widows, and disabled soldiers. Pension arrears for OROP-3 are being disbursed through the SPARSH (System for Pension Administration RAKSHA) portal.
Atmanirbhar Bharat Rojgar Yojana (ABRY) 2026 — EPF Contribution Support for New Employees | Establishment Scheme
Atmanirbhar Bharat Rojgar Yojana (ABRY) is a flagship employment generation scheme launched October 2020 to incentivise hiring of new employees post-COVID. The Government of India pays employer + employee EPF contributions (24% of wages) for 2 years for new employees earning up to ₹15,000/month, hired by establishments registered with EPFO. ABRY-1 ended March 2022; ABRY-2 extended till March 2024 covering 60+ lakh new employees. ABRY-3 (relaunched 2024) is currently active for new establishments. Implemented by Employees' Provident Fund Organisation (EPFO).
PM Scholarship Scheme (PMSS-CAPF) 2026 — ₹3,000/Month for Defence & CAPF Dependents | scholarships.gov.in
Prime Minister's Scholarship Scheme (PMSS) — administered by the Welfare and Rehabilitation Board (Defence Ministry) and Ministry of Home Affairs (CAPFs) — provides ₹3,000/month (boys) and ₹3,250/month (girls) to wards/widows of ex-Defence personnel (Army/Navy/Air Force/Coast Guard) and Central Armed Police Forces (CAPF — BSF, CRPF, ITBP, CISF, SSB, Assam Rifles) for professional courses (engineering, medical, MBA, dental, veterinary, computer applications). 5,500 scholarships annually for Defence, 2,000 for CAPF.
Post-Matric Scholarship for SC Students 2026 — Full Tuition + ₹13,500 Maintenance | scholarships.gov.in
Centrally Sponsored Post-Matric Scholarship for Scheduled Caste (PMS-SC) is the largest scholarship scheme in India by coverage — benefiting 60+ lakh SC students annually for studies after Class 10 (Class 11/12, ITI, diploma, graduation, post-graduation, PhD). Covers full tuition fees (including hostel charges in some categories), maintenance allowance (₹230-₹1,200/month based on group), book allowance, study tour allowance, and disability allowance for PwD students. Annual outlay: ₹6,000+ crore. Implemented through National Scholarship Portal (NSP).
Pre-Matric Scholarship for SC/ST Students 2026 — ₹350-₹1,000/Month for Class 1-10 | scholarships.gov.in
Pre-Matric Scholarship for SC and ST students is the centrally-sponsored scheme for Class 1-10 students from Scheduled Caste and Scheduled Tribe communities. Provides maintenance allowance, book allowance, and additional allowances for SC/ST students whose families earn ≤ ₹2.5 lakh/year. Two separate schemes: Pre-Matric for SC (administered by Ministry of Social Justice & Empowerment) and Pre-Matric for ST (administered by Ministry of Tribal Affairs). Covers Class 1-10 — different rates for day scholars vs hostellers. Over 50 lakh SC + 30 lakh ST students benefit annually. Implemented through NSP.
Make in India 2026 — Manufacturing Investment Push | PLI Schemes for 14 Sectors | investindia.gov.in
Make in India is the Government of India's flagship initiative launched 25 September 2014 to transform India into a global manufacturing hub. Focuses on 25 sectors including: automobiles, aerospace, biotechnology, chemicals, defence, electronics, food processing, IT/BPM, leather, pharmaceuticals, ports, railways, renewable energy, roads, space, textiles, tourism, wellness. Augmented by Production Linked Incentive (PLI) Schemes for 14 sectors with ₹1.97 lakh crore outlay (2021-2027) — providing 4-6% incentive on incremental production to companies meeting investment + production thresholds.
PM-KUSUM Solar Pump Scheme 2026 — 60% Subsidy on Solar Pumps for Farmers | pmkusum.mnre.gov.in
PM-KUSUM (Pradhan Mantri Kisan Urja Suraksha evam Utthaan Mahabhiyan) is a central government scheme under the Ministry of New and Renewable Energy (MNRE) that gives farmers up to 60% central + state subsidy on solar-powered irrigation pumps (2HP to 10HP). Launched in 2019, the scheme has three components: Component A — 10,000 MW of decentralised solar plants on barren/cultivable land; Component B — standalone solar-powered agriculture pumps (target: 20 lakh pumps); Component C — solarisation of grid-connected agriculture pumps (target: 15 lakh pumps). Farmers pay only 10% of the cost; 30% central subsidy + 30% state subsidy + 30% CFA from MNRE. States like Maharashtra (Mukhyamantri Saur Krishi Pump), Rajasthan, UP, MP have active portals. Budget: ₹34,422 crore. Total target: 30.8 lakh solar pumps by 2026.
Janani Suraksha Yojana (JSY) 2026 — ₹600 to ₹1,400 Cash to Pregnant Women for Hospital Delivery | nhm.gov.in
Janani Suraksha Yojana (JSY) is a safe motherhood intervention under the National Health Mission (NHM), launched in 2005 by the Ministry of Health and Family Welfare. It promotes institutional delivery among pregnant women belonging to BPL/SC/ST families and reduces maternal and infant mortality. Cash incentive of ₹1,400 is given to women delivering in rural areas of Low Performing States (LPS: UP, UK, Bihar, Jharkhand, MP, Chhattisgarh, Assam, Odisha, Rajasthan, J&K) and ₹600 in High Performing States (HPS) for rural deliveries. Urban area deliveries get ₹1,000 in LPS and ₹400 in HPS. ASHA workers get ₹600 (LPS rural) or ₹200-400 per case. Over 1 crore beneficiaries annually. Cash paid directly to the mother at the time of delivery or just after discharge.
PM Research Fellowship (PMRF) 2026 — ₹70,000/Month + ₹2L Research Grant for IIT/IISc PhD | pmrf.in
PM Research Fellowship (PMRF) is a prestigious scholarship scheme launched in 2018 by the Ministry of Education to attract the best Bachelor's/Master's students into PhD programmes at IITs, IISc, IISERs, NITs, and other premier research institutions. Fellowship amount: ₹70,000/month for all 5 years (revised from the earlier ₹31,000-70,000 slab structure). Research grant of ₹2 lakh per year for first 2 years, ₹2 lakh for 3rd year, ₹2 lakh for 4th and 5th year — total ₹10 lakh over 5 years. Selection is through direct admission or lateral entry from premier IITs/IISc/IISERs. Three channels: (1) Direct Admission from 4-year BS/B.Tech final year at premier institutes; (2) Lateral Entry from 2nd year of ongoing PhD; (3) Supernumerary seats for other students through national test. Target: 3,000 new fellows per year across Science, Technology, Engineering, and Mathematics (STEM). Currently 4,000+ active PMRF fellows.
Eklavya Model Residential Schools (EMRS) 2026 — Free Residential School for Tribal Children | tribal.nic.in
Eklavya Model Residential Schools (EMRS) is a flagship scheme of the Ministry of Tribal Affairs providing FREE quality residential education to Scheduled Tribe (ST) children from Class 6 to Class 12. Launched in 1997, EMRS schools are fully residential — providing free boarding, lodging, tuition, uniform, books, stationery, and medical care. The scheme aims to establish one EMRS in every block with ST population above 50% and at least 20,000 tribal population, by 2022 (extended to 2026). Currently over 688 EMRS schools are functional across 27 states/UTs, benefiting over 1.5 lakh students. Each EMRS school has capacity for 480 students. Budget enhanced to ₹38,000 crore for 2018-2022. Schools follow CBSE curriculum and have modern facilities including science labs, libraries, computer rooms, and sports facilities. Tribal students also get JEE/NEET coaching at EMRS. National Admission Test (EMRS-NAT) conducted for admission.
One Stop Centre (OSC) Sakhi 2026 — Free Support for Women in Distress | wcdhry.gov.in
One Stop Centre (OSC) Sakhi is a centrally-sponsored scheme under the Ministry of Women and Child Development that provides integrated support and assistance to women affected by violence — domestic violence, sexual assault, acid attacks, trafficking, honour crimes, and more. OSCs (called 'Sakhi' centres) provide under one roof: emergency response, medical assistance, legal aid, psychological counselling, temporary shelter (up to 5 days), and police facilitation. There are 800+ OSCs operational across all districts of India. Helpline: 181 (free 24x7). Women can also call 112 (police emergency). OSCs are co-located with hospitals for easy access. Services are completely FREE. The scheme covers all women — regardless of religion, caste, age, or marital status. NRI women in distress also covered. Budget: ₹750 crore from Nirbhaya Fund. Services available 24x7.
SMAM — Sub-Mission on Agricultural Mechanization 2026 — 40-80% Subsidy on Tractors & Farm Machinery | agrimachinery.nic.in
Sub-Mission on Agricultural Mechanization (SMAM) is a central government scheme under the Ministry of Agriculture and Farmers Welfare that provides 40% to 80% subsidy on agricultural machinery and equipment to farmers — including tractors, power tillers, rotavators, seed drills, threshers, harvesters, sprayers, drones, and more. SC/ST, women, and small/marginal farmers get higher subsidy (50-80%). General farmers get 40-50% subsidy. Maximum subsidy amount varies by machine type and state. The scheme also supports Custom Hiring Centres (CHC) — farmers can start a CHC (farm machinery rental service) with 40% subsidy up to ₹10 lakh per CHC. Farm Machinery Bank (FMB) scheme provides ₹10 lakh per group for SHG/FPO. State-level portals process applications. Application through agrimachinery.nic.in or state agriculture portal. Budget: ₹3,250 crore (2021-26). Target: 5 lakh CHC + 50,000 FMB.
Janani Shishu Suraksha Karyakaram (JSSK) 2026 — FREE Delivery, Medicines & Transport for Pregnant Women | nhm.gov.in
Janani Shishu Suraksha Karyakaram (JSSK) is a central government initiative under the National Health Mission (NHM) that entitles ALL pregnant women delivering in government health facilities to absolutely FREE and cashless services — including C-section delivery, medicines, diagnostics (blood tests, ultrasound), diet, blood transfusion, and free transport (drop home after discharge). Launched on 1 June 2011, JSSK eliminates out-of-pocket expenses for pregnant women and sick newborns (0-30 days) at all government hospitals — district hospitals, CHCs, PHCs, and sub-centres. Key entitlements: (1) Free normal/C-section delivery; (2) Free medicines and implants; (3) Free diagnostics; (4) Free diet during hospital stay (3 days normal, 7 days C-section); (5) Free blood; (6) Free transport from home to facility and back; (7) Free treatment for sick newborn up to 30 days. Over 1.5 crore beneficiaries annually.
Indira Gandhi National Widow Pension Scheme (IGNWPS) 2026 — ₹300-2,000/Month Widow Pension | nsap.nic.in
Indira Gandhi National Widow Pension Scheme (IGNWPS) is a sub-scheme under the National Social Assistance Programme (NSAP), providing monthly pension to widows from BPL households. Central government contribution: ₹300/month (age 40-79) and ₹500/month (age 80+). Most states top up to ₹500-2,000/month from their own budget. Total beneficiaries: over 1.5 crore widows across India. Age eligibility: 40-79 years (widows below 40 are covered under state widow pension schemes). For widows aged 80+, the pension automatically merges with IGNOAPS (old age pension) at ₹500/month central contribution. States like UP (₹500/month), Rajasthan (₹750-1500/month), MP (₹600/month), WB (₹1,000/month) provide enhanced amounts. Pension paid via DBT directly to bank/post office account. Application through Gram Panchayat/Block Office or online on NSAP portal (nsap.nic.in) or state pension portal.
Indira Gandhi National Disability Pension Scheme (IGNDPS) 2026 — ₹300-1,500/Month for Severely Disabled | nsap.nic.in
Indira Gandhi National Disability Pension Scheme (IGNDPS) is a sub-scheme of NSAP providing monthly pension to persons with severe or multiple disabilities (80%+ disability) from BPL households aged 18-79 years. Central government contribution: ₹300/month. States add their own contribution ranging from ₹200 to ₹1,200 more, making total pension ₹500-1,500/month depending on state. For disabled persons aged 80+, pension converts to IGNOAPS at ₹500/month central. Beneficiaries: over 15 lakh disabled persons. Covers all disability types: locomotor, visual, hearing, mental, multiple. Disability certificate of 80%+ from District Medical Board required. States like Maharashtra (₹600), MP (₹600), UP (₹500), Rajasthan (₹750-1,500) provide enhanced amounts. DBT to bank/PO account.
Jawahar Navodaya Vidyalaya (JNV) 2026 — Free CBSE Residential School for Rural Students | navodaya.gov.in
Jawahar Navodaya Vidyalaya (JNV) is the Government of India's flagship FREE residential school scheme for talented rural children. 661 JNV schools across India, one per district. Provides FREE education + boarding + meals + uniforms + books from Class 6 to 12 in CBSE curriculum. Admission via JNV Selection Test (JNVST) for Class 6 (Class 9 lateral entry also available). 80% seats reserved for rural students. SC/ST/OBC/Girl reservations apply. Over 3 lakh students attend JNVs.
Sainik School Admission 2026 — AISSEE Entrance Exam | Free Subsidy for SC/ST/OBC | sainikschoolsociety.in
Sainik Schools are 33 fully-residential CBSE-affiliated schools across India established to prepare students for the National Defence Academy (NDA) and other military service entries. Admission via All India Sainik Schools Entrance Examination (AISSEE) for Class 6 and Class 9. State governments provide scholarships covering full fees for SC/ST/OBC/EWS students. Even general students get partial subsidy (up to ₹15,000/year for general; ₹25,000-₹40,000 for SC/ST). Strong tradition — many alumni become Army officers, IAS, IPS.
Free Coaching Scheme for SC/ST/OBC Students 2026 — Central Free Coaching for UPSC, JEE, NEET | socialjustice.gov.in
Free Coaching Scheme for SC/ST/OBC Students is the Ministry of Social Justice & Empowerment's central scheme providing FREE coaching at top private institutes for SC/ST/OBC students preparing for: UPSC Civil Services, IIT-JEE, NEET, CAT, CLAT, GATE, Bank PO/Clerk, SSC, Railway, NDA, CDS. Plus monthly stipend ₹6,000-₹8,000. Family income ≤ ₹8 lakh. Empanelled institutes include Akash, Vajiram & Ravi, FIITJEE, Career Launcher etc. Aim: bridge coaching access gap for marginalised students.
CSIR Junior Research Fellowship (CSIR-JRF) 2026 — ₹37,000/Month for Research in CSIR Labs | csirhrdg.res.in
CSIR Junior Research Fellowship (CSIR-JRF) is the Council of Scientific & Industrial Research's fellowship for PhD researchers at CSIR's 38 national laboratories (NCL, IICB, IICT, CFTRI, NPL, etc.) and recognized universities. Awarded to candidates who clear CSIR-UGC NET with JRF rank. ₹37,000/month (JRF, 2 years) + ₹42,000/month (SRF, 3 years) for 5-year PhD. Plus annual contingency ₹20,000. Critical for science research career.
AICTE Yashasvi Scholarship 2026 — ₹12,000-₹18,000/Year for Engineering/Diploma Students | aicte-india.org
AICTE Yashasvi Scholarship Scheme is a merit-based scholarship for engineering, diploma, and management students enrolled in AICTE-approved institutions. Provides ₹12,000/year for Diploma students and ₹18,000/year for UG (BE/BTech) and PG students. Aimed at supporting meritorious students from economically weaker sections (family income ≤ ₹8 lakh/year). About 50,000+ scholarships awarded annually. Apply online at AICTE National Scholarship Portal (NSP — scholarships.gov.in) every year between October-December. Direct DBT transfer to Aadhaar-linked bank account.
PM Scholarship Scheme (PMSS) 2026 — ₹2,500-₹3,000/Month for Defence Personnel Children | ksb.gov.in
Prime Minister's Scholarship Scheme (PMSS) for the wards and widows of Ex-Servicemen and Ex-Coast Guard personnel — administered by the Kendriya Sainik Board (KSB), Ministry of Defence. Boys receive ₹2,500/month and Girls receive ₹3,000/month for a maximum of 5 years (depending on course duration). 5,500 fresh scholarships per year. For Professional Courses: Engineering, Medical, Dental, Veterinary, MBA, BBA, BCA, MCA, Law, Architecture, Pharmacy etc. at recognized Indian institutions. Apply online at ksb.gov.in/pmss every August-October.
National Scholarship for Persons with Disabilities (NSPwD) 2026 — ₹500-₹2,500/Month + Course Fee | disabilityaffairs.gov.in
National Scholarship for Persons with Disabilities (NSPwD) is a central government scheme for students with 40%+ benchmark disability pursuing technical, professional, and academic courses post-Class 10. Provides Maintenance Allowance: ₹500/month (Day Scholar) or ₹2,500/month (Hosteller) + Course Fee reimbursement up to ₹10,000 per year + ₹6,000 reader allowance for visually impaired. Around 5,500 scholarships per year. Two streams: Pre-Matric (Class 9-10) and Post-Matric (Class 11 to PhD). Administered by Department of Empowerment of Persons with Disabilities (DEPwD), Ministry of Social Justice. Apply online at scholarships.gov.in.
PM RAHAT Scheme 2026 — ₹1.5 Lakh Cashless Treatment for Road Accident Victims
PM RAHAT (Road Accident Victim Hospitalization and Assured Treatment), launched by Prime Minister Narendra Modi on 13 February 2026, provides cashless emergency medical treatment up to ₹1.5 lakh per victim for road accident injuries — for the first 7 days from the date of accident. The scheme covers any road accident victim on any category of road across India, including hit-and-run cases. Treatment is provided at hospitals empanelled under Ayushman Bharat PM-JAY. Stabilization care is guaranteed for up to 24 hours in non-life-threatening cases and up to 48 hours in life-threatening cases. Hospitals are reimbursed through the Motor Vehicle Accident Fund (MVAF) — funded by insurance company contributions and government allocation for uninsured/hit-and-run cases. PM RAHAT is integrated with the ERSS 112 emergency response system and is a landmark golden-hour intervention designed to save lives lost annually on Indian roads due to delayed care.
Mission POSHAN 2.0 & Saksham Anganwadi 2026 — Anganwadi Nutrition Mission
Mission Saksham Anganwadi and POSHAN 2.0 is India's flagship nutrition programme — one of the world's largest — bringing together ICDS Anganwadi Services, Supplementary Nutrition Programme, the original POSHAN Abhiyaan, the Scheme for Adolescent Girls, and the National Crèche Scheme. POSHAN 2.0 covers nearly 9 crore beneficiaries through 14 lakh+ Anganwadi Centres across India. Beneficiaries include pregnant women, lactating mothers, children below 6 years, and adolescent girls (14–18 years). The Poshan Tracker app (launched March 2021) provides near real-time data on Anganwadi attendance, ECCE activities, growth monitoring, and home visits. Mission POSHAN 2.0 received ₹21,960 crore in the Union Budget 2025–26 and is a key intervention to address stunting, wasting, and anaemia among India's vulnerable populations.
ECHS 2026 — Ex-Servicemen Contributory Health Scheme | Free Treatment for Veterans
Ex-Servicemen Contributory Health Scheme (ECHS), approved on 30 December 2002 and launched on 1 April 2003, provides comprehensive medical care to all retired Armed Forces personnel drawing pension and their dependents through a network of 427+ ECHS polyclinics, service medical facilities, government hospitals, and empanelled civil hospitals across India. ECHS members are issued a 64 KB Smart Card containing personal details, dependents, and medical history. The scheme covers OPD consultation, hospitalization, diagnostics, surgeries, medicines, and specialist care — at no cost to the veteran. Eligible beneficiaries include the ESM pensioner, spouse, dependent unemployed/unmarried/divorced/widowed daughters, dependent unmarried sons up to 25 years, handicapped children, and dependent parents. As of 2026, CSD Smart Cards no longer require annual renewal — they are valid for 10 years until expiry. The scheme is administered by the Department of Ex-Servicemen Welfare under the Ministry of Defence.
CSD Canteen Smart Card 2026 — Apply Online | Subsidized Groceries & Liquor for Veterans
The Canteen Stores Department (CSD) Smart Card is the identification card issued by the Indian Armed Forces that allows serving personnel, ex-servicemen (veterans), war widows, and eligible dependents to purchase groceries, household goods, lifestyle products, and liquor at Unit Run Canteens (URC) and CSD canteens across India at significantly subsidized rates (typically 15–50% below market price). Launched as a digital identification programme in 2017, the CSD Smart Card now has online application via csdsmartcard.co.in. The 2026 updates include: discontinuation of annual renewal (cards now valid till 10-year expiry); ability to purchase both grocery and liquor from any URC; provision to buy 2 months' quota of grocery and liquor in one month; and CSD AFD (Against Firm Demand) for big-ticket items like cars and electronics at exclusive discounted rates. Cards are delivered within 7–20 days via courier directly to home address.
PM JANMAN Yojana 2026 — Pradhan Mantri Janjati Adivasi Nyaya Maha Abhiyan
Pradhan Mantri Janjati Adivasi Nyaya Maha Abhiyan (PM JANMAN), launched on 15 November 2023 (Janjatiya Gaurav Diwas, birth anniversary of Bhagwan Birsa Munda), is the Government of India's ₹24,104 crore mission to comprehensively develop 75 Particularly Vulnerable Tribal Groups (PVTGs) across 22 states. PVTGs are the most marginalised tribal communities (e.g., Sahariya, Birhor, Toda, Onge, Jarawa) — historically isolated, declining populations, pre-agricultural lifestyle, very low literacy. PM JANMAN covers 11 critical interventions: (1) Pucca Houses (PMAY-G) — 4.9 lakh houses; (2) Connecting roads (PMGSY); (3) Piped water (JJM); (4) Electrification (RDSS); (5) Mobile medical units; (6) Anganwadi Centres in PVTG habitations; (7) Hostels for PVTG students; (8) Vocational training centres; (9) Solar street lights & solar power; (10) Sickle Cell screening; (11) Tele-medicine. Implementation through 4-Tier monitoring — Centre, State, District, Block.
Post-Matric Scholarship for ST Students 2026 — Free Higher Education for Tribal Students
Post-Matric Scholarship Scheme for Scheduled Tribe (ST) Students is one of the largest scholarship programmes in India under the Ministry of Tribal Affairs — providing tuition fee reimbursement, maintenance allowance, and other benefits to ST students from Class 11 to PG and PhD. The scheme is administered via the National Scholarship Portal (NSP) — scholarships.gov.in. Annual outlay: ₹2,500+ crore covering 20+ lakh ST students nationally. Benefits: 100% tuition fees (whatever charged by the institution), reader allowance for visually impaired, escort allowance for severe disability, study tour, thesis printing charges. Maintenance allowance: ₹230-₹1,200/month based on Group I-IV (Engineering/Medical = Group IV, highest). Family income limit: ₹2.5 lakh/year. Aadhaar mandatory. Application window: typically August-November each year. Renewal annual subject to passing previous year.
NIPUN Bharat Mission 2026 — National Foundational Literacy & Numeracy Programme for Class 1–3 | nipunbharat.education.gov.in
NIPUN Bharat (National Initiative for Proficiency in Reading with Understanding and Numeracy) is a flagship mission launched on 5 July 2021 by the Ministry of Education under the National Education Policy 2020. The mission's goal is to ensure that every child in India achieves basic foundational literacy (reading with comprehension) and numeracy (basic arithmetic) skills by the end of Grade 3 (age 8–9) by 2026–27. Implemented through Samagra Shiksha Abhiyan across all 36 states and union territories covering over 3.5 crore children in 11.5 lakh government and government-aided primary schools. The programme trains teachers through the DIKSHA platform (National Digital Infrastructure for Teachers) and uses structured pedagogy materials — Jaadui Pitara (magic box of play-based learning materials) provided free to all Class 1–3 students. Assessment of foundational learning outcomes is done through SARTHAQ (Students' and Teachers' Holistic Advancement through Quality Education) framework and National Achievement Survey (NAS).
Ayushman Bharat Digital Mission (ABDM) 2026 — Free ABHA Health ID Card for Every Indian | abha.abdm.gov.in
Ayushman Bharat Digital Mission (ABDM) is India's flagship digital health initiative launched on 27 September 2021 by PM Modi, creating a national digital health ecosystem. The mission's centrepiece is ABHA (Ayushman Bharat Health Account) — a unique 14-digit health ID number assigned free to every Indian citizen. ABHA allows you to securely store, access, and share your entire health history (prescriptions, lab reports, discharge summaries, vaccination records) in a digital locker accessible through the ABHA app or website. As of 2026, over 60 crore ABHA IDs have been created across India. The mission also includes Health Professional Registry (HPR) for doctors, Health Facility Registry (HFR) for hospitals, and Unified Health Interface (UHI) for app-to-app interoperability. ABHA is the foundation of India's Ayushman Bharat ecosystem — required for faster Ayushman Bharat PMJAY claims, cashless hospital admissions, and prescription verification. Under PM Ayushman Bharat Yojana for 70+ senior citizens, ABHA card is the gateway to linking your health record with your ₹5 lakh coverage.
Mahila Samman Savings Certificate (MSSC) 2026 — ₹2 Lakh @ 7.5% for Women at Post Office | India's Best Women Savings Scheme
Mahila Samman Savings Certificate (MSSC) is a special one-time savings scheme launched by the Government of India exclusively for women and girls, announced in Union Budget 2023-24 and available for investment from 1 April 2023. The scheme offered an interest rate of 7.5% per annum (compounded quarterly) — the highest risk-free interest rate available to Indian women outside of Sukanya Samriddhi Yojana. Maximum investment: ₹2 lakh. Tenure: 2 years from the date of deposit. Partial withdrawal: 40% of eligible balance allowed after 1 year. The deposit window was open from April 2023 to March 2025 — certificates purchased during this period continue to earn interest until maturity (2-year tenor from deposit date, so last maturity by March 2027). Available at all India Post offices and select banks (SBI, Bank of Baroda, Bank of India, Canara Bank, Union Bank, Central Bank, HDFC Bank, ICICI Bank, IDBI Bank, PNB). MSSC is separate from Sukanya Samriddhi Yojana (SSY), Public Provident Fund (PPF), and Senior Citizen Savings Scheme (SCSS) — all can be held simultaneously. Women who invested in MSSC should note: their certificate matures exactly 2 years from the date of account opening.
GOBAR-DHAN Yojana 2026 — Free Biogas Plant from Cow Dung | ₹40,000 Subsidy | sbm.gov.in/gbdw
GOBAR-DHAN (Galvanizing Organic Bio-Agro Resources — Dhan) is a flagship central scheme launched on 1 February 2018 under the Swachh Bharat Mission (Grameen), implemented by the Ministry of Jal Shakti. The scheme converts cattle dung, crop residue, and organic waste from farms and villages into biogas (for cooking fuel and electricity) and compressed bio-gas (CBG) for commercial sale. Individual Household Biogas Plants: BPL/SC/ST/marginal farmers receive a subsidy of ₹10,000 to ₹40,000 (varies by state) on biogas plant installation — typically a 1–10 cubic metre plant costing ₹15,000–₹70,000 depending on size. The biogas can substitute 1–2 LPG cylinders per month, saving ₹900–₹1,800/month. The organic slurry from the biogas plant becomes rich liquid fertilizer worth ₹5,000–₹8,000/year in farm savings. Community/Commercial CBG Plants: Under the SATAT (Sustainable Alternative Towards Affordable Transportation) policy, large compressed bio-gas plants are set up by entrepreneurs to sell CBG to IOC/HPCL/BPCL at ₹46/kg — target of 5,000 CBG plants across India. Village-level GOBAR-DHAN clusters are being established under SBM Grameen to make villages 'waste-free' and generate rural employment through organic compost production and biogas energy.
GeM Portal 2026 — Government e-Marketplace for MSMEs: Sell to Government without Tender | gem.gov.in
Government e-Marketplace (GeM) is an online portal launched in 2016 by the Ministry of Commerce & Industry for procurement of goods and services by Central/State Government ministries, departments, and PSUs. GeM is India's largest government procurement platform with ₹4 lakh crore+ GMV (Gross Merchandise Value) in FY2024-25. MSMEs, startups, artisans, SHGs, and individual sellers can register as vendors on GeM and supply goods/services directly to government buyers without going through complex tenders. Key features: (1) MSME sellers get 25% procurement preference — government buyers MUST buy 25% of eligible purchases from MSMEs; (2) Zero registration fee for sellers; (3) Startup India registered companies get additional benefits and relaxation in prior experience criteria; (4) Weavers/artisans/SHGs (Weavers GeM) have dedicated sections; (5) Payment within 10 days of delivery (Government policy — no long payment delays). Over 67 lakh seller/service provider registrations. MSME sellers account for 58%+ of GeM GMV.
PM Awas Yojana Gramin Phase 2 2024 — 2 Crore New Rural Houses: ₹1.20-1.30 Lakh + ₹90 Days MGNREGS | pmayg.nic.in
Pradhan Mantri Awas Yojana Gramin (PMAY-G) Phase 2 was announced in the Union Budget 2024-25 to construct 2 crore additional pucca houses in rural India over the next 5 years (2024-29), building on Phase 1's achievement of 2.95 crore houses. Phase 2 enhancements: (1) House assistance increased: ₹1.20 lakh in plain areas, ₹1.30 lakh in hilly/NE states (enhanced from earlier amounts); (2) MGNREGS wage linkage: 90 person-days of MGNREGS work for construction labour — earning ~₹24,000-27,000 additional income for beneficiary; (3) SBM-G convergence: Free toilet construction (Swachh Bharat Mission — Gramin); (4) Jal Jeevan Mission: Piped water tap connection; (5) DDUGJY/Saubhagya: Free electricity connection. So a PMAY-G Phase 2 house actually delivers: ₹1.20 lakh housing grant + ₹24,000 MGNREGS wages + ₹12,000 SBM-G toilet + free water + free electricity — total value ~₹1.60-1.80 lakh. Selection: Through Awaas+ survey and Gram Panchayat-level priority list.
RERA 2026 — Real Estate Regulation & Development Act: Homebuyer Protection & Developer Accountability | rera.mohua.gov.in
Real Estate (Regulation and Development) Act (RERA), enacted in 2016 and implemented through state RERA authorities, protects homebuyers from fraudulent/delayed real estate projects. RERA mandates: (1) All residential/commercial projects above 500 sq m or 8+ apartments MUST register with state RERA before any marketing/sale; (2) Developers must park 70% of project funds in a designated escrow account — preventing fund diversion; (3) Project must be delivered by RERA-registered delivery date — delay triggers 10.75%+ interest compensation to buyers; (4) 5-year defect liability: Developer must fix structural defects free for 5 years post-possession; (5) Carpet area transparency: Sale only on carpet area basis (not super-builtup); (6) RERA complaint mechanism: Homebuyers can file online complaints against developers in their state RERA; (7) Real estate agents must register with RERA — illegal to deal in unregistered projects. All 36 states/UTs have operational RERA. Homebuyer tips: Always check RERA registration before booking. Key risk: Unregistered projects have no RERA protection.
📋 Latest Government Schemes
View All →PM Vishwakarma Yojana 2026 — ₹3 Lakh Loan + ₹15,000 Toolkit for 18 Trades | pmvishwakarma.gov.in
PM Vishwakarma Yojana is a central government scheme launched on 17 September 2023 that supports traditional artisans and craftspeople across 18 trades with free skill training (₹500/day stipend), a ₹15,000 toolkit e-voucher, and collateral-free loans up to ₹3 lakh at just 5% interest. Implemented by the Ministry of MSME with a ₹13,000 crore budget over 5 years (FY2023-24 to FY2027-28). Registration is done FREE at Common Service Centres (CSC) using Aadhaar biometric authentication.
₹15,000 toolkit + Free skill training (₹500/day) + ₹1L loan (1st tranche) + ₹2L loan (2nd tranche) = ₹3L total at 5% interestPM Awas Yojana 2026 — Pradhan Mantri Awas Yojana Gramin & Urban Subsidy
Pradhan Mantri Awas Yojana (PMAY), launched in 2016, is India's largest housing programme providing financial assistance to build pucca houses for economically weaker sections. Under PMAY-Gramin (rural), eligible BPL families receive ₹1.20 lakh in plain areas and ₹1.30 lakh in hilly or north-eastern states paid directly through DBT. Under PMAY-Urban, first-time homebuyers in EWS (annual income up to ₹3 lakh) get 6.5% interest subsidy on home loans up to ₹6 lakh, reducing monthly EMI significantly. LIG (income ₹3–6 lakh) gets 6.5%, MIG-I (₹6–12 lakh) gets 4%, and MIG-II (₹12–18 lakh) gets 3% subsidy under the Credit Linked Subsidy Scheme (CLSS). Beneficiaries are selected through the SECC database and state government surveys. Over 2.1 crore PMAY houses have been completed as of 2026.
PMAY-Gramin ₹1.20–1.30 lakh + PMAY-Urban CLSS interest subsidy up to ₹2.67 lakh + Beneficiary-Led Construction (BLC) ₹2.5 lakh — 2.1 crore houses completedPM Kisan Samman Nidhi Yojana 2026 — ₹6,000/Year to 11 Crore Farmers
PM-KISAN (Pradhan Mantri Kisan Samman Nidhi), launched in February 2019, provides ₹6,000 per year direct income support to all land-holding farmer families in India — transferred as three equal installments of ₹2,000 every four months directly to Aadhaar-linked bank accounts. As of 2026, over 11 crore farmers receive PM-KISAN, making it the world's largest direct cash transfer programme for farmers. All land-holding farming families are eligible, regardless of land size. Farmers must complete annual eKYC (OTP or biometric at CSC) to continue receiving installments. Income tax payees, government employees, and institutional landholders are excluded from PM-KISAN benefits.
₹6,000/year directly to bank account in 3 installments of ₹2,000Ayushman Bharat PM-JAY Yojana 2026 — ₹5 Lakh Free Health Insurance
Ayushman Bharat PM-JAY (Pradhan Mantri Jan Arogya Yojana), launched in September 2018, provides cashless hospitalisation coverage of ₹5 lakh per family per year at 30,000+ empanelled government and private hospitals. PM-JAY is the world's largest government-funded health insurance scheme, covering 55 crore+ people from the bottom 40% of India's population as per the SECC 2011 database. The scheme covers 1,949 medical procedures including surgeries, chemotherapy, kidney dialysis, neonatal care, and mental health treatment — at no cost to the beneficiary. Beneficiaries can avail treatment in any empanelled hospital across any state, completely cashless, using the Ayushman Card. Senior citizens aged 70+ years now get an additional ₹5 lakh top-up cover. Over 8 crore hospitalisation cases have been covered under PM-JAY as of 2026.
₹5 lakh/year cashless hospitalisation at 30,000+ hospitals (free for eligible families)PM Ujjwala Yojana 2.0 — Free LPG Connection
Pradhan Mantri Ujjwala Yojana provides free LPG gas connections to women from below poverty line households to replace unhealthy cooking fuel usage.
Free LPG connection + ₹1,600 financial assistancePM YASASVI Scholarship Scheme 2025
PM Young Achievers Scholarship Award Scheme for Vibrant India provides scholarships to OBC, EBC, and DNT students for education in Classes 9-12.
₹75,000/year for residential school students, ₹25,000/year for day scholars🗺️ State Wise Schemes
All States →📰 Latest Updates & News
All Articles →Lakhpati Didi Yojana 2026 — How SHG Women Can Earn ₹1 Lakh+ Per Year (Free Skill Training & Bank Linkage)
3 Jun 2026
PM SVANidhi Street Vendor Loan 2026 — ₹50,000 Third Loan, 7% Interest Subsidy & How to Apply
3 Jun 2026
PMAY-Gramin Awaas Plus 2024 Survey 2026 — Self-Survey App, ₹1.20 Lakh & New Eligibility
3 Jun 2026
PM Vidyalaxmi Scheme 2026 — Collateral-Free Education Loan up to ₹10 Lakh, Eligibility & How to Apply
3 Jun 2026
About Schemes In India — Your Complete Government Yojana Guide
Schemes In India (schemesinindia.in) is a free, independent information portal that helps Indian citizens find and understand every government scheme, yojana, and welfare programme available to them — whether from the central government or their state government. We cover 1,000+ schemes across agriculture, housing, health, education, women welfare, employment, and financial inclusion.
Every year, thousands of crores in government benefits go unclaimed simply because eligible citizens do not know a scheme exists, do not understand the eligibility criteria, or do not know how to apply. Our mission is to bridge that gap. We publish detailed, plain-language guides that explain every scheme's eligibility, required documents, step-by-step application process, and official helpline numbers — in both English and Hindi (and other regional languages where applicable).
Our editorial team monitors official sources daily — the Press Information Bureau (PIB), MyGov.in, ministry press releases, and official government portals — to ensure every scheme page carries accurate, up-to-date information. Each page displays a "Last Verified" date so you always know how recent the information is. If you find an error, you can report it at contact@schemesinindia.in and we will correct it within 24 hours.
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