♿ Disability (Divyangjan) Government Schemes 2026
5 schemes — eligibility, registration & benefits
All Disability (Divyangjan) Schemes (5)
Niramaya Health Insurance Scheme 2026 — ₹1 Lakh Cover for Disability
DDRS 2026 — Deendayal Disabled Rehabilitation Scheme | NGO Grant for PwD Services
NHFDC 2026 — National Divyangjan Finance Corporation | Concessional Loans for PwDs
Swavlamban Health Insurance 2026 — ₹2 Lakh Coverage for All Disabled Persons
Sugamya Bharat Abhiyan 2026 — Accessibility India Campaign for Divyangjan
About Disability (Divyangjan) Government Schemes in India 2026
India's 2.68 crore Divyangjan (Persons with Disabilities) are served by 15+ dedicated schemes under the Department of Empowerment of Persons with Disabilities (DEPwD), Ministry of Social Justice & Empowerment. Niramaya Health Insurance provides ₹1 lakh cover at just ₹250-500/year premium for 4 disabilities under National Trust Act (autism, cerebral palsy, intellectual, multiple). Swavlamban Health Insurance covers ALL 21 disabilities under RPwD Act 2016 with ₹2 lakh cover (FREE for income ≤₹3 lakh). ADIP Scheme provides FREE assistive devices (wheelchairs, hearing aids, prostheses, braille kits) worth ₹30,000-1,00,000. UDID Unique Disability ID is the national digital identity card for PwDs. DDRS Deendayal Disabled Rehabilitation Scheme funds 200+ NGOs running special schools, early intervention, vocational training. NHFDC provides concessional loans ₹5-50 lakh @ 4-8% for self-employment + education. IGNDPS Indira Gandhi National Disability Pension gives ₹300-500/month to severely disabled BPL. Sugamya Bharat Abhiyan (Accessible India Campaign) makes built environment, transport, and ICT accessible.