🍵 Assam Government Schemes 2026
असम • Capital: Dispur • Population: 3.5 Cr • 20+ schemes
| State | Assam (असम) |
| Capital | Dispur |
| Population | 3.5 Cr |
| Total Schemes Listed | 20+ |
| Central Schemes Available | All central government schemes apply |
🏛️ Assam State Government Schemes
অৰুণোদই আঁচনি অসম 2026 — ₹1,250/মাহ | Orunodoi Scheme Assam
Orunodoi is the flagship cash-transfer programme run by the Finance Department, Government of Assam, and launched in 2020 to put spending money directly in the hands of the woman who runs the household. Each enrolled economically weaker family receives ₹1,250 every month, credited straight to the Aadhaar-linked bank account of its eligible woman member through Direct Benefit Transfer, so there are no middlemen and no cash collection points. The income support is meant to cover everyday essentials such as medicines, nutrition and children's needs. With over 25 lakh families on its rolls, Orunodoi is among the largest household cash-assistance schemes anywhere in Northeast India, and beneficiaries can check their status on orunodoi.assam.gov.in.
Assam Atal Amrit Abhiyan 2026 — ₹2 Lakh Free Health Insurance BPL | atalAmrit.assam.gov.in
Atal Amrit Abhiyan is Assam's state health insurance scheme providing ₹2 lakh annual cashless treatment to all BPL families. Covers 430+ disease packages including cancer, heart, kidney, neurology, burns, and road accidents. Over 27 lakh families enrolled. Smart Health Card issued for cashless treatment at empanelled hospitals. One of North-East India's largest health schemes.
Pragyan Bharati Scooty Scheme Assam 2026 — Free Scooty Girl College Students | sebaonline.org
Pragyan Bharati is the Education Department, Government of Assam initiative that hands meritorious girls a free two-wheeler so distance and transport cost never become a reason to drop out after school. Girl students who cleared Class 12 with 60% or more from an Assam government or provincial school, come from a family earning under ₹2 lakh a year, and have taken admission into a degree college in the state are eligible for a free scooty. The wider Pragyan Bharati umbrella also runs a free-textbook component for Class 1-12 students. More than 25,000 scooties have already been distributed, with applications handled through sebaonline.org and verified by the District Education Officer before delivery.
Arundhati Gold Scheme Assam 2026 — 10 Grams Free Gold for Brides at Marriage | wcd.assam.gov.in
Arundhati Gold Scheme is Assam Government's flagship scheme launched by CM Sarbananda Sonowal in 2019 to provide 10 grams of gold (₹33,000+ current market value) to brides at the time of their marriage. The scheme applies to all permanent residents of Assam who register their marriage — it is not limited to BPL families. The gold is deposited in the bride's bank account in the form of e-gold (monetary equivalent). The scheme is linked with the mandatory Assam Compulsory Registration of Marriages Act, encouraging families to formally register their marriages. Over 2 lakh brides have received the benefit. The scheme has helped reduce the financial burden of marriage on families and also serves as an asset for the new couple.
Nijut Moina Scheme Assam 2025 — Monthly Stipend for Girl Students to Prevent Dropout | cm.assam.gov.in
Nijut Moina (meaning 'My Beloved Daughter' in Assamese) is Assam Government's flagship scheme launched by CM Himanta Biswa Sarma to prevent girl student dropout and encourage higher education. Under the scheme, girl students receive monthly stipends from Class 11 through postgraduate level: ₹1,000/month for Class 11-12, ₹1,500/month for undergraduate (BA/BSc/BCom), and ₹2,500/month for postgraduate students. The scheme was launched in 2021 and significantly expanded in Phase 2 in August 2025. Over 10 lakh girl students benefit annually. The stipend is transferred directly to girl students' Aadhaar-linked bank accounts to ensure parents allow daughters to continue education instead of early marriage or work.
মুখ্যমন্ত্ৰী মহিলা উদ্যমিতা অভিযান অসম 2026 — ₹10,000 Seed Grant মহিলা উদ্যোক্তাদের | MMUA Assam
Mukhyamantri Mahila Udyamita Abhiyan (MMUA) is Assam government's women micro-entrepreneurship scheme providing Rs 10,000 seed grant to women across Assam to start or scale their own small businesses. Launched by CM Himanta Biswa Sarma, the scheme targets women from rural and semi-urban areas who are self-help group members or identified through Mission Basundhara. The grant is used for working capital — raw materials, tools, equipment — in trades like food processing, weaving, handicraft, beauty parlour, and retail. Over 5 lakh women targeted in the first phase.
Assam Orunodoi 3.0 Scheme 2026 — ₹1,250/Month + ₹9,000 Bihu Lump Sum for 40 Lakh Women | orunodoi.com
Orunodoi 3.0 is Assam Government's flagship monthly income support scheme for women — launched October 2025 as expanded version of Orunodoi 2.0 (December 2020). Provides ₹1,250/month (~₹15,000/year) credited directly to eligible women's bank accounts. Plus additional ₹9,000 Bihu festival lump-sum credited March 2026 (covering 4 months arrears + festival bonus). Targets 40+ lakh women beneficiaries — making it one of the largest women DBT schemes in India. Targeted at women heads of family, widows, divorcees, separated women, women from BPL households. Aadhaar-linked DBT.
Assam Social Security Pension 2026 — ₹250-600/Month for Elderly, Widow, Disabled | socialwelfare.assam.gov.in
Assam provides social security pensions to elderly, widows, and disabled persons through state and central convergence (IGNOAPS/IGNWPS/IGNDPS). Amounts: Old Age (60-79 years): ₹250/month state + ₹200/month central = ₹450/month total; (80+): ₹500/month; Widow pension: ₹250/month; Disability (40%+): ₹250-600/month based on severity. SC/ST pensioners and differently abled (80%+) receive higher amounts. Paid via DBT. Apply at Gaon Panchayat / Circle Office or socialwelfare.assam.gov.in. Over 20 lakh beneficiaries in Assam.
Assam SC/ST Post-Matric Scholarship 2026 — Full Tuition + ₹1,000/Month | scholarships.gov.in
Assam Welfare of Plain Tribes & Backward Classes Department provides post-matric scholarships to SC and ST students from Class 11 onwards. Maintenance: ₹500/month Day Scholar (Class 11-12), ₹900/month Day Scholar (Degree/PG), ₹1,000/month Hosteller (Degree/Professional). Full tuition reimbursed. Income: ST ≤ ₹2.5 lakh; SC ≤ ₹2.5 lakh. Assam has large ST population (12.4% — plains tribes + hills tribes). Apply at scholarships.gov.in annually (August-October).
Anandoram Borooah Award Assam 2026 — Free Laptop for Top HS Students | sebaonline.org
Anandoram Borooah Award is Assam government's merit scholarship recognising top scorers in SEBA (Class 10 HSLC) and AHSEC (Class 12 HS) board examinations. Top students in all districts receive free laptops along with a cash award of ₹10,000-20,000. First division (60-80%) meritorious students who cleared from government/govt-aided schools receive laptops. Students from economically weaker sections additionally get book grants. Over 25,000 students receive this award annually. Selection is automatic based on SEBA/AHSEC board results — no separate application needed.
Assam MGNREGA Job Card 2026 — 100 Days Work ₹238/Day | nrega.nic.in
MGNREGA guarantees 100 days of employment per year to every rural household in Assam. Daily wage: ₹238/day (2025-26 Assam rate). Assam has high MGNREGA participation due to a large rural and tea-garden worker population. Works: embankment repair (flood protection), water conservation, plantation (Birsa-equivalent), road, rural connectivity. SC/ST, women-headed households, and ex-tea-garden-worker families prioritised for work allocation. 60 lakh+ active job card holders in Assam. Apply at Gaon Panchayat.
Assam Mission Basundhara 2026 — Land Rights Certificate (Patta) for Landless | land.assam.gov.in
Mission Basundhara is Assam government's flagship land rights scheme launched by CM Himanta Biswa Sarma to issue land documents (patta/deed) to residents who have been residing on government land for years but do not have legal ownership documents. The scheme regularises settlement of genuine poor/landless families on government land. Phase 1 (2021): 2 lakh families received land patta. Phase 2 (2022-23): additional 1.5 lakh. Phase 3 ongoing. Land patta empowers families to access bank loans, government schemes (PMAY housing), and other welfare programmes. Apply at revenue circle office or land.assam.gov.in.
Assam Kisan Rin Mafi Yojana 2026 — ₹2 Lakh Farm Loan Waiver for Small/Marginal Farmers | agri.assam.gov.in
Assam Kisan Rin Mafi Yojana waives crop/farm loans up to ₹2 lakh for small and marginal farmers (up to 5 bigha land) in Assam. Loans taken from nationalised banks, cooperative banks, and rural banks for Kharif/Rabi crops are eligible. The scheme was announced to provide relief to farmers affected by recurring floods, drought, and crop loss. Implemented through the agriculture department and bank coordination. Over 8 lakh small/marginal farmers in Assam targeted. Apply at agri.assam.gov.in or nearest bank branch.
Assam Tea Garden Worker Welfare Scheme 2026 — Free Ration + Housing + Health | labour.assam.gov.in
Assam Tea Garden Worker Welfare covers 10 lakh+ workers across 800+ tea estates. Key benefits: free ration (rice/wheat) under NFSA, PMJAY health cover (₹5 lakh/family), PMAY housing for kutcha-house workers, PDS ration through estate ration depot, MGNREGS work during off-season, and school/hostel facilities for children. Plantations Labour Act mandates housing, water, electricity, school, dispensary within the estate. Labour Department, Assam monitors compliance. Workers also registered under EPFO for provident fund.
Assam BOCW Welfare Board 2026 — ₹2 Lakh Insurance + Pension for Construction Workers | assambocwwb.in
Run by the Labour Department of the Government of Assam, the Assam Building & Other Construction Workers (BOCW) Welfare Board turns a registered worker's tiny ₹20/month contribution into a wide social-security safety net. Once enrolled, a mason, carpenter, welder, plumber or electrician can claim ₹2 lakh on accidental death and ₹1 lakh on natural death, draw a ₹1,000/month pension after turning 60, and tap maternity benefit of ₹10,000, medical reimbursement up to ₹40,000/year and marriage assistance of ₹30,000. The Board also funds an education scholarship of ₹5,000-12,000/year for up to two children and a ₹5,000 tool-purchase grant. Registration is done at assambocwwb.in or the District Labour Office, and more than 8 lakh construction workers in Assam are already on the rolls.
Swanirbhar Naari Abhiyan Assam 2026 — 0% Interest SHG Loan for Rural Women | srlm.assam.gov.in
Swanirbhar Naari Abhiyan is Assam's Self-Help Group (SHG) empowerment scheme under Assam State Rural Livelihoods Mission (ASRLM). Women SHGs receive revolving fund ₹15,000, community investment fund ₹50,000-1.5 lakh, and bank linkage loans at 0% interest (government pays interest subsidy). SHG activities: food processing, weaving (mekhela chaddar), pottery, handloom, piggery, poultry. 3 lakh+ SHGs with 30 lakh+ women members in Assam under ASRLM. Apply at nearest Block ASRLM coordinator or srlm.assam.gov.in.
Assam Apun Ghar Housing Scheme 2026 — Low-Cost Housing Loan for EWS/LIG | ahidco.nic.in
Assam Apun Ghar (My Own Home) is Assam's affordable housing scheme targeting EWS (Economically Weaker Section) and LIG (Low Income Group) households in urban and semi-urban areas. The scheme provides housing units built by Assam Housing & Urban Development Corporation (AHIDCO) at subsidised rates with bank loan linkage under PMAY-Urban subsidy (CLSS). EWS: unit cost ₹5-8 lakh; LIG: ₹10-15 lakh. PMAY-Urban CLSS subsidy: 6.5% for 20 years (EWS/LIG). Flat distribution through AHIDCO lottery. Apply at ahidco.nic.in or AHIDCO offices in Guwahati, Silchar, Jorhat, Dibrugarh.
Assam OBC Post-Matric Scholarship 2026 — Full Tuition + ₹800/Month | scholarships.gov.in
This post-matric scholarship helps OBC students in Assam stay in education from Class 11 right through to professional and degree courses by covering both their fees and their living costs. Administered by the state's Welfare of Plains Tribes & Backward Classes Department, it reimburses the full tuition fee and adds a monthly maintenance allowance that scales with the level of study and where the student lives: ₹400/month for a Class 11-12 day scholar, ₹700/month for a degree or postgraduate day scholar, and ₹800/month for a hosteller in degree or professional courses. To qualify, the student must belong to the Assam OBC list, be an Assam domicile, have scored at least 50% in the previous year, and come from a family with annual income within ₹1 lakh. Applications are filed on the National Scholarship Portal, scholarships.gov.in, during the yearly window that runs roughly from August to October.
Assam PMFBY Fasal Bima 2026 — Crop Insurance Low Premium | agri.assam.gov.in
Assam implements Pradhan Mantri Fasal Bima Yojana (PMFBY) providing crop loss insurance to all farmers at very low premium: Kharif: 2% of sum insured; Rabi: 1.5%; Horticulture/commercial: 5%. Government pays the remaining premium. In flood-prone Assam, crop loss due to floods, heavy rain, pest, drought is very common — PMFBY ensures compensation. Sum insured: as per district-level threshold yield. Applications via agri.assam.gov.in, bank branches, or CSC (Common Service Centre). Over 15 lakh farmers enrolled annually in Assam.
Assam Mukhyamantri Gramin Udyog Yojana 2026 — ₹2 Lakh Loan for Rural Enterprise | industries.assam.gov.in
Assam Mukhyamantri Gramin Udyog Yojana supports rural micro-entrepreneurs and artisans to set up small businesses with subsidised loans of ₹10,000 to ₹2 lakh. SC/ST/OBC/women/BPL entrepreneurs get 35% subsidy; general category 25% subsidy. Target sectors: food processing (rice mill, dairy), traditional crafts (bamboo, bell metal, cane, silk), handloom, agro-processing, rural retail. Implemented through District Industries Centres (DICs) and Assam Industrial Development Corporation (AIDC). Over 3 lakh rural micro-enterprises targeted.
🇮🏻 Central Government Schemes for Assam Residents
All 252 central government schemes are applicable to residents of Assam. 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.
Browse Schemes by Category
Explore central government schemes by category — all categories below are also applicable to Assam residents.
About Assam Government Schemes
Assam 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 Assam. State-specific schemes like Orunodoi Scheme Assam provide additional benefits exclusive to Assam residents.