🌊 Andhra Pradesh Government Schemes 2026
आंध्र प्रदेश • Capital: Amaravati • Population: 5.4 Cr • 32+ schemes
| State | Andhra Pradesh (आंध्र प्रदेश) |
| Capital | Amaravati |
| Population | 5.4 Cr |
| Total Schemes Listed | 32+ |
| Central Schemes Available | All central government schemes apply |
🏛️ Andhra Pradesh State Government Schemes
వైఎస్ఆర్ చేయూత AP 2026 — SC/ST/BC/Minority Women ₹18,750/Quarter | YSR Cheyutha
YSR Cheyutha is a flagship women empowerment scheme run by the Women Development and Child Welfare department of Andhra Pradesh for women aged 45 to 60 belonging to SC, ST, BC and Minority communities. The idea is to give middle-aged women, who are often moving out of hard manual labour, a dependable lump of seed capital to start or expand a small livelihood such as a kirana shop, dairy unit, tailoring work or petty trade. Each eligible woman receives ₹18,750 per quarter, adding up to ₹75,000 a year, paid straight into her own Aadhaar-linked bank account through DBT so there is no middleman and no diversion of funds. Around 22 lakh women across the state are covered, with enrolment and verification handled at the Village or Ward Secretariat.
YSR అమ్మ ఒడి పథకం 2026 — ₹15,000/సంవత్సరం తల్లులకు పిల్లల చదువు కోసం | AP Education
YSR Amma Vodi is Andhra Pradesh government's flagship scheme that provides ₹15,000 per year to mothers (or eligible guardians) who send their children to government schools, tribal welfare schools, and social welfare residential schools. The benefit is directly transferred to the mother's Aadhaar-linked bank account. Over 43 lakh mothers benefited annually.
జగనన్న విద్యా దీవెన 2026 — ITI/పాలిటెక్నిక్/డిగ్రీ Full Fee Reimbursement | AP Students
Jagananna Vidya Deevena is the full fee reimbursement programme of the Andhra Pradesh Department of Higher Education, built so that no eligible student drops out of college because the family cannot afford the tuition. It covers students in ITI, Polytechnic, Degree, B.Tech, Medical, Pharmacy, Law and similar professional courses, and the government pays 100% of the tuition fee directly to the institution rather than to the student. The benefit is aimed at SC, ST, BC, Kapu, EBC, Minority and EWS students from families with annual income up to ₹2.5 lakh (a higher ceiling applies to some categories). Reimbursement is released after the college verifies the student's admission and attendance, with payment routed through the official portal so the fee burden on the family is effectively zero. More than 10 lakh students benefit every year.
జగనన్న వసతి దీవెన 2026 — Hostel + Mess Fees ₹10,000-20,000/సంవత్సరం | AP Students
Jagananna Vasathi Deevena is the living-cost companion to the fee-reimbursement scheme, run by the Andhra Pradesh Department of Higher Education to cover the boarding and food expenses that tuition support alone does not address. It targets SC, ST, BC, Minority and EWS students pursuing degree, post-graduate and professional courses, many of whom have to stay away from home or commute long distances to attend college. Day scholars receive ₹10,000 a year while students staying in hostels receive ₹20,000 a year, credited directly to the student's Aadhaar-linked bank account through DBT. Paired with Jagananna Vidya Deevena, it is designed so that an eligible student's family carries effectively no out-of-pocket cost for higher education. Over 8 lakh students draw this support every year.
YSR ఆసరా 2026 — SHG Women Loan Waiver + ₹1 Lakh New Loan | AP Self-Help Groups
YSR Aasara is a Self-Help Group relief scheme of the Andhra Pradesh Women Development and Child Welfare department, created to clear the debt overhang that was holding back lakhs of SHG and DWCRA women. The scheme cancels outstanding group loans that had built up over years and, alongside the waiver, channels fresh working capital so the groups can keep their micro-enterprises running. Eligible SHGs receive new loans of up to ₹1 lakh at zero interest, with the waiver and fresh credit linked through the District Mission Management Unit and the Village or Ward Secretariat. Around 85 lakh SHG women were targeted under a total waiver of about ₹6,300 crore, the relief amount being credited in instalments to the women's accounts rather than handed out in cash.
అన్నదాత సుఖీభవ పథకం AP 2026 — ₹20,000/సంవత్సరం రైతులకు | YSR రైతు భరోసా పేరు మార్పు
Annadata Sukhibhava (formerly YSR Rythu Bharosa) is Andhra Pradesh's farmer investment support scheme providing ₹20,000 per year per farmer family — comprising ₹13,500 from AP government and ₹6,000 from PM-KISAN (Central). Renamed by the TDP government in 2024 after the YSR Rythu Bharosa brand. Over 51 lakh farmer families benefit. Transferred in 2 instalments (Kharif and Rabi seasons) to Aadhaar-linked bank accounts via DBT.
AP నేతన్న భరోసా పథకం 2024 — ₹25,000/వర్ష నేత కార్మికులకు | TDP Handloom Scheme
AP Nethanna Bharosa is an investment-support scheme of the Andhra Pradesh Department of Handloom and Textiles that puts working capital directly into the hands of traditional handloom weaver families. Weaving is seasonal and cash-strapped, and yarn, dyes and loom maintenance often eat up a weaver's earnings before the cloth is even sold; this scheme eases that pressure by giving ₹25,000 a year per weaver family. Launched by the state government in 2024, it focuses on genuine handloom workers, not power-loom operators, and covers families in AP's traditional weaving clusters such as Mangalagiri, Venkatagiri, Ongole, Chirala and Uppada. The amount is paid in two instalments straight to the weaver's Aadhaar-linked bank account through DBT, and more than 1 lakh weaver families are covered.
AP NTR Bharosa Pension 2026 — 65 లక్షల ముసలివారు/వితంతువులకు ₹3,000/మాసం | NTR Bharosa AP
AP NTR Bharosa is Andhra Pradesh's state social security pension scheme providing Rs 3,000 per month to elderly (60+), widows, disabled, and other vulnerable citizens. Launched under the TDP government in 2024 replacing the earlier YSR Pension Kanuka, the scheme covers approximately 65 lakh beneficiaries across AP. The pension is transferred directly to Aadhaar-linked bank accounts via DBT on a monthly basis. The scheme also covers beedi workers, construction workers, fishermen, and HIV/AIDS patients.
AP నాడు-నేడు స్కూల్ 2026 — 45,000 పాఠశాలలు ₹3,500 Crore Renovation | Nadu-Nedu Education AP
Nadu-Nedu (Then and Now) is Andhra Pradesh government's flagship school infrastructure transformation programme renovating 45,000 government schools across AP. Launched in 2019 by the YSRCP government and continued by TDP, the scheme provides English medium instruction, furniture, toilets, clean drinking water, electricity, smart classrooms, compound walls, and painting. Total outlay: ₹3,500 crore. Benefits: 40 lakh+ students in government schools of AP. Phase 1 covered 15,715 schools; Phase 2 covers 30,000+ more.
AP Talliki Vandanam Scheme 2026 — ₹15,000/Year per Student to Mothers | apgramasachivalayam.ap.gov.in
Talliki Vandanam (Mother's Salute) is the flagship education welfare scheme of Andhra Pradesh government launched January 2025 — replacing the earlier YSR Amma Vodi scheme. Provides ₹15,000 annually to mothers of every school-going child in Andhra Pradesh from Class 1 to Intermediate (Class 12), credited directly to mother's bank account. Eliminates Amma Vodi's BPL-only requirement — now covers MORE families (including non-BPL children attending government schools). Annual budget: ₹9,400+ crore covering 70+ lakh students. Implemented through Andhra Pradesh Grama Sachivalayam.
Jagananna Thodu Scheme 2026 — ₹10,000 Working Capital for Street Vendors & Small Traders | ap.gov.in
Jagananna Thodu (meaning 'Jagan's support') is Andhra Pradesh government's scheme to provide interest-free working capital loan of ₹10,000 per year to street vendors, small traders, and micro-entrepreneurs. Launched under the YSR Congress government, the scheme targets BC (Backward Class), SC, ST, and minority vendors who lack access to formal credit. The ₹10,000 is given as direct cash/DBT — NO interest, NO collateral. Beneficiaries can use it to replenish stock, purchase raw materials, or expand their business. Re-application is allowed each year (second year: ₹15,000; third year: ₹20,000 with good track record). Implemented through Grama/Ward Sachivalayam. Over 25 lakh beneficiaries covered in initial phases. The scheme complements PM SVANidhi (central street vendor loan) — both can be availed.
AP BOCW Welfare Board 2026 — ₹5 Lakh Accident Insurance + Pension for Construction Workers | bocwwb.ap.gov.in
Masons, carpenters, electricians, painters and other site workers across Andhra Pradesh build the state's homes, roads and bridges, yet rarely get a formal safety net. The AP Building and Other Construction Workers Welfare Board (BOCWWB), run by the state Labour Department, fixes that by enrolling them as members and funding their welfare from a cess paid by builders — 1% of construction cost — plus a small ₹50 yearly worker contribution. Once registered, a worker becomes eligible for ₹5 lakh group accident insurance, a ₹2 lakh natural-death benefit, a ₹1,500 monthly pension after 60, a ₹10,000 maternity benefit, children's education scholarships of ₹5,000-25,000 a year, a ₹2 lakh housing loan subsidy and medical reimbursement up to ₹2 lakh annually. More than 22 lakh workers are already on the rolls. Registration runs through bocwwb.ap.gov.in or any nearby Labour Office.
AP SC/ST Post-Matric Scholarship 2026 — Full Tuition + ₹1,200/Month | apepass.ap.gov.in
Andhra Pradesh SC/ST Post-Matric Scholarship (AP ePass) provides full tuition fee reimbursement and maintenance allowance to SC and ST students studying Class 11 and above. Maintenance: ₹550/month (Day Scholar Class 11-12), ₹1,000/month (Day Scholar Degree/PG), ₹900/month (Hosteller Class 11-12), ₹1,200/month (Hosteller Degree/PG/Professional). Family income limit: ₹2.5 lakh (SC), ₹3 lakh (ST). AP ePass portal is one of India's largest scholarship platforms — over 10 lakh SC/ST students annually. Apply at apepass.ap.gov.in.
AP BC OBC Post-Matric Scholarship 2026 — Full Tuition + ₹1,100/Month | apepass.ap.gov.in
Andhra Pradesh Backward Classes (BC/OBC) Post-Matric Scholarship provides full tuition fee reimbursement and monthly maintenance to BC/OBC students studying Class 11 and above. Maintenance: ₹500/month (Day Scholar Class 11-12), ₹900/month (Day Scholar Degree+), ₹800/month (Hosteller Class 11-12), ₹1,100/month (Hosteller Degree/Professional). Family income limit: ₹2 lakh. Managed by BC Welfare Department. Apply at apepass.ap.gov.in (same portal as SC/ST). AP has 5 BC groups (A, B, C, D, E) covering 100+ communities. Over 8 lakh BC students benefit annually.
AP Fishermen Welfare Scheme 2026 — ₹5 Lakh Sea Insurance + ₹3,000/Month Pension | apfisheries.ap.gov.in
Andhra Pradesh Fisheries Department provides comprehensive welfare to registered marine and inland fishermen. Benefits: ₹5 lakh sea accident death insurance (enhanced under PMMSY), ₹2 lakh partial disability, ban period/lean season subsistence allowance ₹3,000/month during annual fishing ban (June-July), diesel subsidy for mechanised boats, 50% subsidy on new boats and fishing nets under PMMSY, and housing under PM Awas for fishermen. AP has India's longest coastline (974 km) with 1.5+ million fishermen. Apply at apfisheries.ap.gov.in or nearest Fisheries Extension Officer.
AP Rythu Pedatha Farmer Input Support 2026 — 50-75% Subsidy Seeds, Irrigation & Machinery | apagrisnet.ap.gov.in
Andhra Pradesh Agriculture Department's Rythu Pedatha (Farmer's Capital) initiative provides comprehensive input subsidies to AP farmers: 50-75% subsidy on quality seeds, 50% on bio-fertilizers and organic inputs (PKVY organic farming), 50-75% on drip/sprinkler irrigation equipment, 25-50% on farm machinery (power tiller, transplanter, harvester), 50% on polyhouse/shade net/mulch. Additionally AP provides: ₹9,500 input subsidy per crop hectare in case of severe drought/flood (input subsidy scheme), and PMFBY crop insurance at 1.5% Kharif premium. Apply through Village Agriculture Assistant (VAA) or apagrisnet.ap.gov.in.
AP Jagananna Suraksha 2026 — ₹5 Lakh Comprehensive Family Insurance | apgov.ap.gov.in
Jagananna Suraksha is Andhra Pradesh's comprehensive family health and accident insurance scheme launched by the YSR Congress government. Provides ₹5 lakh per family per year — covering hospitalization, accidental death (₹5 lakh to nominee), permanent disability (₹5 lakh), and partial disability (₹2.5 lakh). The scheme covers all AP families whose annual income is below ₹5 lakh — no premium — fully government funded. Implemented in convergence with Ayushman Bharat PMJAY and state Aarogyasri scheme. The TDP government in 2024 continued the scheme with enhanced outreach under the NTR Suraksha brand. All AP residents with Aadhaar and AP ration card are auto-enrolled.
AP Navaratnalu Housing 2026 — Free House for Homeless BPL under PMAY AP | aphousing.ap.gov.in
Andhra Pradesh's Navaratnalu (Nine Gems) flagship housing scheme provides free fully-constructed houses to BPL, SC/ST, and landless homeless families under PMAY-Gramin (rural) and PMAY-Urban convergence. Benefits: fully constructed house with 2 bedrooms + kitchen + toilet + electricity + water supply. Rural: central ₹1.20 lakh + state top-up ₹30,000 = ₹1.50 lakh total construction cost. Urban: PMAY-U with CLSS or EWS housing. AP government targets 30 lakh houses in 5 years. Identified through SECC data + Gram Panchayat surveys. Apply through Village/Ward Sachivalayam.
AP Jagananna Gorumudda 2026 — Free Nutritious Mid-Day Meal + Eggs for All Govt School Students | cse.ap.gov.in
Jagananna Gorumudda (Jagan's Morsel) is Andhra Pradesh's enhanced implementation of PM Poshan (National Programme for Mid-Day Meals). AP provides cooked mid-day meals with significantly higher nutrition standards: rice, dal, vegetables daily + 2 eggs per week (1 egg per week initially, enhanced to 2). The state allocates additional ₹9 per child per day over and above central allocation. Covers all students in Classes 1-8 in government and government-aided schools — 40 lakh students. Also covers Anganwadi children. Each meal provides 400+ calories and 12+ grams protein. Grain (rice/wheat) supplied by FCI at ration rates. Local SHG women cook meals under Mamata Canteen / school kitchen arrangement.
YSR Aarogyasri AP 2026 — ₹5 Lakh Free Health Insurance for BPL Families
YSR Aarogyasri provides cashless health insurance coverage of ₹5 lakh per year to all BPL (white ration card) families in Andhra Pradesh for 2,500+ listed medical procedures and surgeries at empanelled government and private hospitals.
AP YSR Sunna Vaddi Scheme 2026 — Zero Interest Crop Loan for Farmers up to ₹1 Lakh
YSR Sunna Vaddi (Zero Interest) is a crop-loan interest subvention scheme run by the Andhra Pradesh Agriculture Department for small and marginal farmers. Farmers borrow up to ₹1 lakh as a short-term crop loan through a Kisan Credit Card from any scheduled bank at the normal rate. When the borrower repays the full amount on time, the state reimburses the entire interest component directly to the lending bank, leaving the effective cost to the farmer at 0%. The reimbursement is processed against the farmer's verified Farmer ID and Rythu Bharosa records, and the relieved interest is credited so the loan stays affordable season after season for genuine cultivators.
Jagananna Chedodu AP 2026 — ₹10,000/Year Financial Support for Traditional Artisans
Jagananna Chedodu provides ₹10,000 annual financial assistance directly to traditional artisans — barbers (Nayee Brahmin), washermen (Rajaka), tailors, cobblers (Madiga), and other BC artisan communities — to support their livelihoods.
Jagananna Vidya Kanuka AP 2026 — Free School Kit (Bag + Books + Shoes + Uniform) for Students
Jagananna Vidya Kanuka provides free school entry kits to all students in government and government-aided schools in Andhra Pradesh — including school bag, textbooks, notebooks, shoes, socks, and two sets of uniform — every academic year.
Andhra Pradesh MGNREGA Job Card 2026 — 100 Days Guaranteed Work ₹247/Day
The Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), implemented in Andhra Pradesh through the Panchayati Raj and Rural Development Department, gives every rural household a legal right to 100 days of unskilled wage work each financial year at ₹247 per day. Adult members register at their Gram Panchayat and receive a job card listing the family. When a household demands work, the Panchayat must allocate it within 15 days, failing which an unemployment allowance is due. Wages are paid into the worker's Aadhaar-linked bank or Jan Dhan account through direct transfer, and works typically cover earthwork, water harvesting, plantation, road repair and pond deepening close to the village.
AP SC Corporation Loan 2026 — ₹1 Lakh–₹5 Lakh for SC Entrepreneurs (APSCCFC)
The Andhra Pradesh Scheduled Castes Cooperative Finance Corporation (APSCCFC) is the state nodal body that finances self-employment for Scheduled Caste families. Under its entrepreneur loan scheme, eligible SC applicants receive ₹1 lakh to ₹5 lakh to set up a viable new business or enterprise, with interest kept low at 3–6% and a back-ended subsidy of 25–50% of the loan that is not repayable. The balance is repaid in instalments over a few years. Applications are filed online at apsccfc.ap.gov.in or at the district SC Corporation office, where the caste certificate, income and project plan are verified before sanction, and approved amounts are disbursed through the beneficiary's bank account.
AP BC Corporation Loan 2026 — ₹1 Lakh–₹10 Lakh for BC Entrepreneurs (APBCDC)
The Andhra Pradesh Backward Classes Cooperative Development Corporation (APBCDC) finances self-employment ventures for Backward Class families through the state BC Welfare Department. Its entrepreneur loan provides ₹1 lakh to ₹10 lakh to set up a new business at a subsidised 4–6% interest rate, combined with a 25–35% subsidy on the loan that the beneficiary does not repay. The corporation runs distinct windows for general BC, BC women and minority-BC applicants. Candidates apply online at apbcwelfare.ap.gov.in or at the district BC Welfare office, where the BC caste certificate, income proof and project plan are checked; sanctioned amounts are disbursed to the bank account and repaid over roughly five years.
AP Minority & EBC Scholarship 2026 — Full Fee + Maintenance for Muslim/Christian Students
The Andhra Pradesh Minority Welfare Department runs a post-matric scholarship to keep students from notified minority communities — Muslim, Christian, Sikh, Buddhist, Parsi and Jain — in higher education. Eligible students from Class 11 up to PhD in recognised institutions receive full reimbursement of tuition fees along with a monthly maintenance allowance of ₹500 to ₹1,200. Applications are filed each academic year on the AP ePass portal under the Minority category, where the minority community certificate, income proof, bonafide and fee receipt are verified. Once sanctioned, the fee component is settled with the institution and the maintenance amount is credited directly to the student's Aadhaar-linked bank account.
AP YSR Kapu Nestham 2026 — ₹15,000/Year Financial Support for Kapu Community Women
YSR Kapu Nestham is a women-focused income-support scheme run by the Andhra Pradesh BC Welfare Department for women belonging to the Kapu, Balija, Telaga, and Ontari communities. It pays ₹15,000 every year (equivalent to roughly ₹1,250 a month) to help eligible women meet household expenses and build a small financial cushion. The money is released directly into the woman's Aadhaar-linked bank account through DBT, so there are no agents, no office queues, and no chance of the amount being diverted along the way. To qualify, an applicant must be 18 or older, hold a valid community certificate issued by the local MRO, and belong to a family earning less than ₹3 lakh a year. Applications and verification are processed online through the dedicated kapunestham.ap.gov.in portal.
AP Disability Pension Scheme 2026 — ₹3,000/Month for Persons with Disability
For persons with disability in Andhra Pradesh, a steady monthly income can be the difference between dependence and dignity. Under the state's Social Security Pension framework, the government pays ₹3,000 every month to those carrying a certified disability of 40% or more, with the amount landing directly in an Aadhaar-linked bank account through DBT — no middlemen, no monthly office visits. Applicants must be 18 or above, hold a disability certificate from the District Medical Board, and come from a household earning under ₹1.5 lakh a year; the pension is meant for those not already drawing another government pension such as old-age or widow support. The whole process — application, verification and ongoing payment — is handled through the village and ward secretariat network and the sachivalayam.ap.gov.in portal, which AP has built specifically to take welfare delivery to the doorstep.
AP YSR Jeeva Kranthi 2026 — Livelihood Training + ₹75,000 Capital for BC Women SHGs
YSR Jeeva Kranthi provides BC women's Self Help Groups in Andhra Pradesh with ₹75,000 capital investment support, free skill training, and market linkage to establish viable micro-enterprises through AP BC Welfare Department.
AP RySS Zero Budget Natural Farming 2026 — Free Training + Input Support for Farmers
Andhra Pradesh Rythu Sadhikara Samstha (RySS) promotes Zero Budget Natural Farming (ZBNF) by providing free training, Jivamruta preparation support, and market linkage to AP farmers to reduce input costs and improve profitability.
AP YSR Cheyutha 2026 — ₹18,750/Year × 4 Years for SC/ST/BC/Minority Women (45-60) | apgov.ap.gov.in
YSR Cheyutha (YSR Support) is Andhra Pradesh government's financial assistance scheme providing ₹18,750 per year for 4 consecutive years (total ₹75,000) to SC, ST, BC, and minority women aged 45 to 60 who do not have a regular income source. Launched by YSRCP government in 2020, the scheme aims to support marginalized women at a critical life stage when they are transitioning out of labour-intensive work. Funds are credited directly to the woman's Aadhaar-linked bank account via DBT. AP covers over 22 lakh women under this scheme across all districts. The scheme is continued with modifications under the current TDP government.
🇮🏻 Central Government Schemes for Andhra Pradesh Residents
All 252 central government schemes are applicable to residents of Andhra Pradesh. The most popular schemes you can apply for right now:
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.
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Explore central government schemes by category — all categories below are also applicable to Andhra Pradesh residents.
About Andhra Pradesh Government Schemes
Andhra Pradesh residents can avail of both state government schemes and all central government schemes launched by the Government of India. The state government regularly launches welfare schemes covering agriculture, education, health, housing, women empowerment, and employment.
Popular central schemes like PM Vishwakarma Yojana, PM Kisan Samman Nidhi, Ayushman Bharat, and PM Awas Yojana are fully applicable to residents of Andhra Pradesh. State-specific schemes like YSR Cheyutha AP provide additional benefits exclusive to Andhra Pradesh residents.