💰 Finance Government Schemes 2026
12 schemes — eligibility, registration & benefits
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All Finance Schemes (12)
PM Suraksha Bima Yojana — ₹2 Lakh Accident Insurance
PMSBY provides accidental death and disability insurance cover of ₹2 lakh for just ₹20 per year, renewable annually through bank auto-debit.
PM Mudra Yojana — Business Loan up to ₹20 Lakh
Pradhan Mantri Mudra Yojana offers collateral-free business loans to micro and small enterprises under three categories — Shishu (₹50K), Kishore (₹5L), and Tarun (₹20L).
Atal Pension Yojana — Guaranteed Pension for Workers
Atal Pension Yojana provides a guaranteed monthly pension of Rs.1,000 to Rs.5,000 after age 60 to unorganized sector workers based on their contribution amount and age at enrollment.
PM Jeevan Jyoti Bima Yojana — Rs.2 Lakh Life Insurance
PMJJBY is a renewable term life insurance scheme offering a Rs.2 lakh death cover for just Rs.436 per year, automatically debited from the subscriber bank account.
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.
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.
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.
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.
Biopharma SHAKTI Mission India 2026 — ₹10,000 Crore Biotech & Pharma Boost | birac.nic.in
Biopharma SHAKTI (Synergizing Healthcare, Advancement, Knowledge, Technology and Innovation) is a new ₹10,000 crore flagship mission announced in Union Budget 2026-27 to position India as a global biotech and biopharma leader. The mission focuses on accelerating vaccine development, biologics manufacturing, biosimilar production, and genomics research. It builds on India's existing Biotechnology Industry Research Assistance Council (BIRAC) infrastructure and the Ayushman Bharat Health Infrastructure Mission. The scheme provides grants, equity support, and subsidised loans to biotech startups, MSMEs, and large pharma companies investing in next-generation biologics, mRNA platforms, cell and gene therapy, and precision medicine. India's pharma industry — valued at $65 billion — is already the world's 3rd largest by volume; Biopharma SHAKTI targets making it #1 by 2030.
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.
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About Finance Schemes in India
The Government of India runs several welfare schemes under the finance category to support citizens across all states. These schemes provide financial assistance, subsidies, training, and other benefits to eligible beneficiaries. All residents of India can apply for central government finance schemes by meeting the required eligibility criteria and submitting the necessary documents.
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