🇮🇳 Central Government Schemes 2026 — Complete List
All PM Yojanas and central schemes — eligibility, registration & benefits
🔥 Popular Central Government Schemes (Showing top 30 of 252)
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, run through the Micro Units Development and Refinance Agency (MUDRA) under the Department of Financial Services, offers collateral-free business loans to non-corporate, non-farm micro and small enterprises. Loans are sanctioned 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). Funds are routed through banks, RRBs, NBFCs and microfinance institutions, and disbursed directly to the borrower's account, helping small traders, manufacturers and service providers expand. Over 52 crore loans worth ₹27 lakh crore have been sanctioned 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.
🌾 Agriculture Schemes (39)
View All 39 →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.
PM Fasal Bima Yojana — Crop Insurance Scheme 2025
Pradhan Mantri Fasal Bima Yojana provides comprehensive financial support to farmers who suffer crop loss due to natural calamities, pests, or diseases at very low premium rates.
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.
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 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.
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.
📚 Education Schemes (56)
View All 56 →PM 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.
PM POSHAN — Free Mid-Day Meal Scheme 2025
PM Poshan Shakti Nirman (formerly Mid-Day Meal Scheme) provides free hot cooked meals to students in government and government-aided schools to improve nutrition and boost school attendance.
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 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.
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.
PM CARES for Children 2026 — COVID Orphans: ₹10 Lakh at 18 + Free Education + Health
PM CARES for Children scheme provides comprehensive support to children who lost both parents or legal guardian due to COVID-19. Benefits include: ₹10 lakh corpus deposited in their name (accessible at age 18), free education from Class 1 to Class 12 (Navodaya/KVS or state residential schools), PM-JAY health insurance up to ₹5 lakh, and monthly stipend after 18 years.
🏥 Health Schemes (24)
View All 24 →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.
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.
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).
Rashtriya Vayoshri Yojana 2026 — Free Aids for Senior Citizens | Walking Stick, Wheelchair, Hearing Aid
Rashtriya Vayoshri Yojana (RVY) provides free assisted-living devices (walking sticks, elbow crutches, wheelchairs, hearing aids, spectacles, dentures) to BPL senior citizens aged 60+ years who suffer from age-related disabilities. Devices are distributed at special camps organized by ALIMCO in camps at the district level. 100% funded by Central Government from Senior Citizens Welfare Fund.
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.
🏠 Housing Schemes (4)
View All 4 →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.
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.
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.
💼 Employment Schemes (36)
View All 36 →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.
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.
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 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 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.
👩 Women Schemes (18)
View All 18 →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.
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.
Beti Bachao Beti Padhao Yojana 2026 — Girl Child Education & Welfare Scheme
Beti Bachao Beti Padhao (BBBP) is a national mission launched in 2015 to address India's declining child sex ratio (CSR) and ensure the survival, protection, education, and empowerment of the girl child. The scheme operates across all 640 districts with a multi-ministry approach involving Women and Child Development, Health, and Education. Key interventions include community awareness campaigns against sex-selective abortion, free education support for girl students under the Sukanya Samriddhi and Udaan programmes, and Anganwadi-based health support. Financial incentives like Sukanya Samriddhi Yojana accounts are linked to BBBP to encourage families to invest in their daughters' future.
Pradhan Mantri Matru Vandana Yojana (PMMVY) 2025
PMMVY provides Rs.5,000 cash incentive to pregnant and lactating women for the first living child to partially compensate for wage loss and encourage institutional delivery and proper nutrition.
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.
Mission Vatsalya 2026 — Child Welfare & Protection | Child Care Institutions + Sponsorship ₹4,000/Month
Mission Vatsalya is the umbrella child protection and welfare scheme of the Government of India launched in 2021-22 (replacing earlier ICPS). It ensures every child lives in a safe and nurturing environment. Key benefits: Sponsorship Scheme (₹4,000/month for vulnerable children), Foster Care Support, Child Care Institutions (CCIs) for orphans and abandoned children, and After Care (₹2,000/month for youth aged 18-21 leaving CCIs).
💰 Finance Schemes (25)
View All 25 →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.
Atal Pension Yojana 2026 — Guaranteed ₹1,000–₹5,000 Monthly Pension | APY Registration
Atal Pension Yojana provides a guaranteed monthly pension of Rs.1,000 to Rs.5,000 after age 60 to unorganized sector workers. Over 7 crore subscribers enrolled. Small monthly contributions from age 18 ensure a dignified retirement income. Contributions also qualify for Section 80CCD(1B) tax deduction up to Rs.50,000.
PM Jeevan Jyoti Bima Yojana 2026 — Rs.2 Lakh Life Insurance at Rs.436/Year
PM Jeevan Jyoti Bima Yojana (PMJJBY) is a government-backed renewable term life insurance scheme that offers Rs.2 lakh death cover for any cause at just Rs.436 per year. The premium is automatically debited from the subscriber's savings bank account every year between 25 May and 31 May. Launched in 2015 under Pradhan Mantri Jan Suraksha Yojana, the scheme is available to all bank account holders aged 18 to 50 years and is administered through partner public and private sector banks.
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.
🏗️ Infrastructure Schemes (23)
View All 23 →Jal Jeevan Mission 2026 — Har Ghar Jal Tap Water Connection for Every Home
Jal Jeevan Mission (JJM), also known as Har Ghar Jal, is a flagship central government initiative launched in 2019 to provide Functional Household Tap Connections (FHTC) to every rural household in India by 2024. Under JJM, the central and state governments jointly fund the installation of piped water supply infrastructure, ensuring a minimum of 55 litres of potable water per person per day. The scheme prioritises SC/ST-dominated habitations, aspirational districts, drought-prone areas, and schools and Anganwadi centres. Rural communities participate through Village Water and Sanitation Committees (VWSCs). The JJM helpline for water supply complaints is 1916.
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.
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).
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.
PM Gati Shakti 2026 — ₹100 Lakh Crore Infrastructure Plan | Multi-Modal Connectivity | gatishakti.gov.in
PM Gati Shakti National Master Plan is a ₹100 lakh crore infrastructure initiative to boost multi-modal connectivity across India by 2025. It integrates planning of 16 ministries through a GIS-based platform to synchronize rail, road, port, airport, pipeline, waterway, and logistics infrastructure. It aims to reduce logistics costs from 14% to 8% of GDP and create employment for 60 lakh people.
Smart Cities Mission 2026 — 100 Smart Cities ₹2.05 Lakh Crore Urban Development | UPSC Favourite
Smart Cities Mission (SCM) launched in June 2015 aims to develop 100 cities across India with smart infrastructure, ICT solutions, and citizen-centric services. ₹2.05 lakh crore total investment (central + state + PPP). Focus on smart roads, smart water, smart power, IT connectivity, e-governance, and sustainable environment. All 100 cities have formed Special Purpose Vehicles (SPVs) and 7,800+ projects worth ₹1.78 lakh crore completed. A staple topic in UPSC and state PSC examinations.
🪖 Defence Schemes (7)
View All 7 →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.
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.
AWHO 2026 — Army Welfare Housing Organisation | Affordable Flats for Veterans
The Army Welfare Housing Organisation (AWHO) is a registered society formed in December 1978 under the Societies Registration Act XXI of 1860 with the singular mission to construct and allot quality dwelling units to serving and retired Army personnel, their widows, and parents of unmarried fatal casualties — at the most affordable rates possible. AWHO operates on a no-profit-no-loss basis under the aegis of the Adjutant General's Branch of the Indian Army. Projects are spread across North, South, East, West zones and NCR — including flats, duplex units, plots, and independent villas. AWHO offers significant savings of 15–25% versus market rates due to bulk land procurement, military engineering services, and zero developer margin. Selected projects also accommodate Air Force, Navy, and Coast Guard personnel subject to availability. Application is online at awhosena.in with project-specific draws conducted transparently. AWHO has delivered 50,000+ dwelling units across 70+ projects in 4+ decades.
AGIF Army Group Insurance Fund 2026 — ₹75 Lakh Cover for Army Personnel
Army Group Insurance Fund (AGIF), established in 1976, is the welfare insurance and savings cooperative for Indian Army personnel (officers, JCOs, ORs) — providing life insurance cover up to ₹75 lakh (officers) / ₹60 lakh (JCOs/ORs) at extremely low premium. AGIF operates 4 main schemes: (1) Group Insurance — mandatory life cover; (2) Maturity Benefit — accumulated savings paid on retirement; (3) Housing Loan — interest-free / low-interest home loans up to ₹35 lakh for serving officers; (4) Special Family Pension — for widows of personnel killed in action. AGIF is administered by the Adjutant General's Branch, Indian Army. Similar parallel funds exist for Navy (NGIF) and Air Force (AFGIF). On retirement, personnel receive accumulated savings + insurance bonus. AGIF has paid out ₹50,000+ crore in benefits since inception with ~12+ lakh active members.
AWES Army Welfare Education Society 2026 — APS Army Public Schools & Scholarships
Army Welfare Education Society (AWES) is the Indian Army's flagship educational welfare body — running 137 Army Public Schools (APS) across India that provide quality CBSE education to children of serving Army personnel, ex-servicemen, and civilian families (when seats are available). APS schools are recognised among India's best — many feature in top 200 CBSE schools nationally. AWES also operates: (1) Welfare Scholarships for ESM children pursuing higher education (₹5,000-₹25,000/year); (2) College of Engineering (Pune, Hyderabad) for ESM-children; (3) Army Institute of Management (AIM Kolkata), Army Institute of Technology (AIT Pune); (4) Special Scholarships for war widows' children. Established 1983 under the aegis of Adjutant General's Branch. APS schools admit children of Army personnel on PRIORITY 1, ex-servicemen on PRIORITY 2, and civilian children on PRIORITY 3 (subject to vacancy). Around 2.5 lakh students study in APS schools.
♿ Disability (Divyangjan) Schemes (5)
View All 5 →Niramaya Health Insurance Scheme 2026 — ₹1 Lakh Cover for Disability
Niramaya is a specialized health insurance scheme launched by the National Trust under the Ministry of Social Justice and Empowerment for persons with disabilities specifically covered under the National Trust Act, 1999 — namely autism, cerebral palsy, intellectual disability, and multiple disabilities. The scheme provides comprehensive health coverage up to ₹1 lakh per year on a reimbursement basis, with NO age limit (children, adults, and senior citizens are all eligible). Niramaya covers OPD, regular medical checkups for non-ailing disabled, dental and preventive dentistry, hospitalization, corrective surgeries (including congenital disability), ongoing therapies to reduce disability impact, and AYUSH treatments. The 2026-27 policy year enrolment commenced on 1 February 2026, with e-cards available from 15 April 2026. Premium is just ₹250 per year for BPL/low-income families (income below ₹15,000/month) and ₹500 for those above this threshold. Niramaya is applied for through Registered Organisations (ROs) authorised by the National Trust.
DDRS 2026 — Deendayal Disabled Rehabilitation Scheme | NGO Grant for PwD Services
The Deendayal Disabled Rehabilitation Scheme (DDRS) is a central sector scheme of the Department of Empowerment of Persons with Disabilities (DEPwD) under the Ministry of Social Justice and Empowerment that provides grant-in-aid to NGOs and voluntary organizations for projects that rehabilitate persons with disabilities. The scheme covers 21 disabilities listed under the RPwD Act 2016 (visual, hearing, speech, locomotor, intellectual, mental illness, autism, cerebral palsy, leprosy, dwarfism, muscular dystrophy, multiple disabilities, etc.). Eligible projects include cross-disability pre-school and early intervention, special schools for hearing/visual/other disabilities, vocational training centres, home-based rehabilitation, half-way homes, day-care centres, model school for inclusive education, and braille press units. Grant covers 90% of cost-norms for regular areas and 100% in special areas (North-East, hilly regions, LWE-affected districts). NGOs apply online through NGO Darpan + e-Anudaan portal. The scheme is the backbone of NGO-led disability service delivery across India.
NHFDC 2026 — National Divyangjan Finance Corporation | Concessional Loans for PwDs
The National Handicapped Finance and Development Corporation (NHFDC), also called National Divyangjan Finance and Development Corporation (NDFDC), is a non-profit company under Section 25 of the Companies Act, 1956, established by the Ministry of Social Justice and Empowerment in 1997 to economically empower persons with disabilities (PwDs) by providing concessional loans at low interest rates for self-employment, business ventures, and higher education. NHFDC channels funds through State Channelizing Agencies (SCAs) nominated by State Governments — covers all 21 disabilities under RPwD Act 2016 with 40%+ benchmark disability. Loan amounts range from ₹5 lakh (small business / shop) to ₹50 lakh (large enterprise) at interest rates of 5–8% per annum — substantially below commercial bank rates. Educational loans up to ₹10 lakh (India) / ₹20 lakh (abroad) at just 3.5% interest are available for PwD students. Special concessions for women PwDs, parents of PwD children, and SC/ST PwDs.
Swavlamban Health Insurance 2026 — ₹2 Lakh Coverage for All Disabled Persons
Swavlamban Health Insurance Scheme, launched in 2014 by the Department of Empowerment of Persons with Disabilities (DEPwD) under the Ministry of Social Justice & Empowerment, provides comprehensive health insurance up to ₹2 lakh per year (recently enhanced from ₹1 lakh) to persons with disabilities under all 21 categories of the RPwD Act 2016. Unlike Niramaya (which covers only 4 disabilities under National Trust Act), Swavlamban covers ALL 21 disabilities including visual, hearing, locomotor, intellectual, autism, cerebral palsy, mental illness, muscular dystrophy, multiple disabilities, dwarfism, sickle cell, leprosy, and more. Premium: FREE for families with annual income up to ₹3 lakh; ₹500/year for ₹3-6 lakh income; ₹1,000/year for higher incomes. Coverage: hospitalisation, surgeries, OPD, diagnostics, medications, prosthetic devices, rehabilitation — including disability-specific conditions usually excluded by regular insurance. Issued via New India Assurance and 3 other PSU insurers. UDID Card mandatory.
Sugamya Bharat Abhiyan 2026 — Accessibility India Campaign for Divyangjan
Sugamya Bharat Abhiyan (Accessible India Campaign), launched on 3 December 2015 by Prime Minister Narendra Modi, is the Government of India's flagship initiative to make built environment, transportation, ICT (Information & Communication Technology), and services universally accessible to persons with disabilities (Divyangjan) and senior citizens. The scheme targets 3 verticals: (1) BUILT ENVIRONMENT — 50%+ of government buildings, public spaces, airports, railway stations, bus terminals made accessible (ramps, lifts, tactile paving, braille signage); (2) TRANSPORT — all new buses, trains, aircraft mandated to have accessibility features; (3) ICT — all government websites Section 508/WCAG compliant for screen readers. Progress: 95% of A1, A, B category railway stations are now accessible; 1,500+ govt websites are accessibility-compliant. Implemented by DEPwD under MoSJE. The scheme also runs Sugamya Bharat App (citizen reporting) and Mark of Excellence for accessible buildings. Aim: 100% accessible India by 2030.
🪶 Tribal Welfare Schemes (5)
View All 5 →Van Dhan Vikas Yojana 2026 — PMVDY | TRIFED Tribal Forest Produce Value Addition
Pradhan Mantri Van Dhan Yojana (PMVDY), launched on 14 April 2018 under TRIFED (Tribal Cooperative Marketing Development Federation of India), is a flagship tribal livelihood programme that promotes value-addition and entrepreneurship in Minor Forest Produce (MFP). The scheme establishes Van Dhan Vikas Kendras (VDVKs) — each cluster comprising 15 tribal Self-Help Groups (SHGs) of 20 tribal NTFP gatherers/artisans each (300 beneficiaries per VDVK Cluster). TRIFED funds 100% of each VDVK at ₹15 lakh per cluster, with tribal gatherers contributing ₹1,000 per member for ownership. VDVKs procure forest produce (tendu leaves, mahua, gum, honey, bamboo, lac, herbs, tamarind, etc.) at MSP, add value through processing (sorting, grading, packaging, branding), and sell to local/national/global buyers. PMVDY has established 50,000+ VDVKs targeting 10 lakh tribal entrepreneurs and supports tribal MFP gatherers — whose 40-60% of annual income depends on forest produce. Operational across 22+ States/UTs.
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.
TRI Tribal Research Institute Scholarship 2026 — Higher Education Research for ST Scholars
Tribal Research Institutes (TRIs), set up in 19 states by the Ministry of Tribal Affairs, provide research grants, scholarships, and fellowships to Scheduled Tribe (ST) scholars pursuing M.Phil, PhD, and post-doctoral research in tribal studies, anthropology, social sciences, and tribal-area-specific subjects. The scheme also offers Top Class Education Scholarship for ST students admitted to 217 premier institutions (IITs, IIMs, AIIMS, NLUs, BITS, NIDs, etc.) — covering FULL tuition fee + ₹3,000-₹6,000/month living allowance + ₹3,000/year books grant + reimbursement of computer/laptop. Plus National Fellowship & Scholarship for Higher Education of ST Students (NFST) — ₹37,000-₹42,000/month JRF/SRF fellowship for PhD scholars. Plus National Overseas Scholarship for ST — ₹3,500-₹5,500 USD/year for studying abroad. Administered by Ministry of Tribal Affairs via TRIs and via National Scholarship Portal.
PM Adi Adarsh Gram Yojana (PMAAGY) 2026 — ₹20.38 Lakh Per Village for 36,000 Tribal Villages | tribal.gov.in
PM Adi Adarsh Gram Yojana (PMAAGY) — formerly known as Pradhan Mantri Adarsh Gram Yojana (PMAGY) renamed in 2021–22 under the Ministry of Tribal Affairs — is an integrated development scheme covering 36,428 villages across 27 states and 4 union territories where 50% or more of the population is from Scheduled Tribes (Adivasi communities). The scheme provides ₹20.38 lakh per village for convergent infrastructure development: roads (PMGSY), drinking water (Jal Jeevan Mission), electricity (DDUGJY/SAUBHAGYA), health centres (NHM), anganwadis (POSHAN 2.0), schools (Samagra Shiksha), and telecom connectivity (BharatNet). Budget: ₹7,276 crore for 2021-22 to 2025-26. The key feature is CONVERGENCE — PMAAGY acts as the coordinating scheme, while the actual work is funded by 10+ other central schemes. Each PMAAGY village gets a dedicated Village Development Plan (VDP) prepared by Gram Sabha in consultation with state tribal departments. Implementation: Ministry of Tribal Affairs monitors through PMAAGY portal. State Tribal Welfare Departments execute. Village-level monitoring by local Gram Sabha ensures accountability. Panchayati Raj Institutions (PRIs) are co-implementing agencies. PMAAGY is separate from PM JANMAN (for Particularly Vulnerable Tribal Groups) which covers 75 most vulnerable tribal communities.
🏭 MSME & Industry Schemes (10)
View All 10 →PM Mudra Yojana 2026 — Collateral-Free Business Loan ₹50K to ₹20 Lakh
Pradhan Mantri Mudra Yojana, run through the Micro Units Development and Refinance Agency (MUDRA) under the Department of Financial Services, offers collateral-free business loans to non-corporate, non-farm micro and small enterprises. Loans are sanctioned 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). Funds are routed through banks, RRBs, NBFCs and microfinance institutions, and disbursed directly to the borrower's account, helping small traders, manufacturers and service providers expand. Over 52 crore loans worth ₹27 lakh crore have been sanctioned since 2015.
Stand Up India Scheme 2026 — ₹10 Lakh to ₹1 Crore Loan | SC/ST & Women Entrepreneurs
Stand Up India facilitates bank loans between Rs.10 lakh and Rs.1 crore to at least one SC or ST borrower and one woman borrower per bank branch for setting up new greenfield enterprises. Over 2.37 lakh accounts sanctioned worth Rs.55,000 crore since 2016. 7-year repayment period with 18-month moratorium. Apply at standupmitra.in.
PMEGP 2026 — 15–35% Subsidy | Rs.50 Lakh Loan | PM Employment Generation Programme
Prime Minister Employment Generation Programme (PMEGP) provides government subsidy of 15 to 35% on project costs to set up micro-enterprises. Manufacturing sector: up to Rs.50 lakh project cost. Service sector: up to Rs.20 lakh. SC/ST/Women/NE region get 35% subsidy vs 15% for General urban. Implemented by KVIC through banks. Over 9.67 lakh units established creating 77 lakh+ jobs since 2008.
CGTMSE Credit Guarantee Scheme 2026 — ₹5 Crore Collateral-Free MSME Loan Guarantee | cgtmse.in
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is the backbone of collateral-free lending to MSMEs in India. It guarantees loans up to ₹5 crore from member banks and financial institutions to micro and small enterprises — without any collateral or third-party guarantee. CGTMSE covers 75-85% of the loan amount (up to 85% for micro enterprises, women entrepreneurs, NER/hilly states). The trust was set up jointly by the Ministry of MSME and SIDBI in 2000. Annual guarantee fee: 0.25-2.0% of the loan amount (subsidised for micro/women). Over 60 lakh guarantees issued worth ₹5 lakh crore+. Member Lending Institutions (MLIs): 130+ banks/NBFCs including PSBs, private banks, RRBs, SFBs, NBFCs. The borrower applies through the bank; the bank applies to CGTMSE for guarantee. New: CGTMSE 2.0 with enhanced limits.
PLI Scheme 2026 — Production Linked Incentive | 14 Sectors | ₹1.91 Lakh Crore Outlay
The Production Linked Incentive (PLI) Scheme, launched in 2020 with a total incentive outlay of ₹1.91 lakh crore, is the Government of India's flagship manufacturing reform — rewarding eligible companies with cash incentives of 4% to 18% on incremental sales of goods manufactured in India over a defined base year. PLI is implemented across 14 strategic sectors: mobile manufacturing, large-scale electronics, IT hardware, pharmaceuticals, bulk drugs, medical devices, automobiles & auto components, advanced chemistry cells (ACC) for EV batteries, solar PV modules, drones & drone components, telecom & networking products, white goods (ACs and LEDs), textiles (man-made fibre & technical), speciality steel, and food processing. As of December 2025, PLI has attracted ₹2.16 lakh crore investment, ₹20.41 lakh crore production/sales, ₹8.3 lakh crore exports, and created 14.39 lakh direct + indirect jobs — with ₹28,748 crore already disbursed as incentives. The scheme is administered sector-wise by respective line ministries (MeitY, DoP, MoCIT, etc.) and is a critical pillar of the Make in India and Atmanirbhar Bharat agenda.
ZED Certification 2026 — Zero Defect Zero Effect | 80% Subsidy for Micro MSMEs
MSME Sustainable (ZED) Certification, also known as Zero Defect Zero Effect, is a flagship Government of India scheme designed to improve quality, productivity, and environmental sustainability of Micro, Small and Medium Enterprises (MSMEs). The scheme certifies MSMEs at three levels — Bronze (entry-level for first-time applicants), Silver (for ISO-certified MSMEs), and Gold (for export-oriented mature MSMEs). After taking the free ZED Pledge, MSMEs can apply online for any certification level. Government provides certification cost subsidies: 80% for Micro Enterprises, 60% for Small Enterprises, and 50% for Medium Enterprises — with additional incentives for Women/SC/ST entrepreneurs and SFURTI members. ZED-certified MSMEs also get 85% enhanced credit guarantee coverage under CGTMSE plus 10% discount on guarantee fee, preference in government tenders (₹1 crore+ procurement), and improved branding as a quality-certified supplier. MSMEs receive a ₹10,000 reward just for signing the ZED Pledge — usable to apply for any certification level.
Looking for more schemes? Browse all 252 central government schemes organized by category, or search by name.