🌆 Chandigarh Government Schemes 2026
चंडीगढ़ • Capital: Chandigarh • Population: 11 Lakh • 9+ schemes
| State | Chandigarh (चंडीगढ़) |
| Capital | Chandigarh |
| Population | 11 Lakh |
| Total Schemes Listed | 9+ |
| Central Schemes Available | All central government schemes apply |
🏛️ Chandigarh State Government Schemes
Chandigarh Housing Board Affordable Housing Scheme 2026 — Affordable Flats & Plots | chbonline.in
The Chandigarh Housing Board (CHB) Affordable Housing Scheme allots subsidised residential flats and plots to eligible lower-income and middle-income families in the Union Territory of Chandigarh. Under the scheme, 1BHK and 2BHK flats are offered at below-market rates through a draw of lots process, with priority for BPL families, SC/ST applicants, and serving/retired defence personnel. Applications are submitted online at chbonline.in, and allotment is made through a transparent computerised lottery. The scheme helps address the housing shortage in one of India's most sought-after cities while keeping affordability at the core.
Chandigarh Post-Matric Scholarship for SC/ST Students 2026 — ₹15,000/Year | scholarships.gov.in
The Chandigarh Post-Matric Scholarship for SC/ST Students provides financial assistance of up to ₹15,000 per year to Scheduled Caste and Scheduled Tribe students who have passed Class 10 (Matric) and are pursuing higher education in recognised institutions in or outside Chandigarh UT. The scheme covers tuition fees, maintenance allowance, and study material costs. It is centrally-sponsored and implemented by the Chandigarh UT Social Welfare Department in collaboration with the National Scholarships Portal. All applications are submitted online at scholarships.gov.in, and the amount is directly transferred to the student's bank account via DBT.
Chandigarh Old Age / Widow / Disability Pension 2026 — ₹1,500/Month | socialsecurity.chd.gov.in
Three separate safety-net allowances sit under one umbrella here, all administered by the Social Welfare Department of the Chandigarh UT Administration. Senior citizens aged 60 and above can claim the Old Age Samman Allowance, destitute women and widows are covered by the Widow & Destitute Women Allowance, and persons certified with 40% or more disability receive the Disability Allowance. Each stream pays ₹1,500 every month, and the money lands directly in the beneficiary's Aadhaar-linked bank account through Direct Benefit Transfer, so there is no middleman and no cash collection. The schemes are aimed at residents of limited means: an applicant must be domiciled in Chandigarh UT and have an annual income under ₹1 lakh, and must not already be drawing another government pension. Roughly 60,000 pensioners across the Union Territory are supported this way.
Chandigarh Mukhyamantri Swarojgar Yojana 2026 — ₹5 Lakh Loan + 25% Subsidy for Self-Employment | industries.chd.gov.in
The Chandigarh Mukhyamantri Swarojgar Yojana provides subsidised loans of ₹1–₹5 lakh with a 15–25% capital subsidy (max ₹1 lakh) to educated unemployed youth, women, SC/ST, and ex-servicemen in Chandigarh UT to set up their own business or micro-enterprise. The loan is channelled through scheduled commercial banks and cooperative banks in Chandigarh. Eligible ventures include manufacturing units, service enterprises, and trade businesses. Applications are processed through the Industries & Commerce Department, UT Chandigarh.
Chandigarh Post-Matric Scholarship for OBC Students 2026 — Full Tuition + ₹600/Month | scholarships.gov.in
Run by the Social Welfare Department of the Chandigarh UT Administration under the Ministry of Social Justice & Empowerment, this Post-Matric Scholarship supports students from Other Backward Classes who continue their studies after Class 10. Anyone enrolled from Class 11 right through to post-graduation in a recognised college or institute can claim full reimbursement of their tuition fee plus a monthly maintenance allowance ranging from ₹400 to ₹600, paid through the centrally-sponsored window on the National Scholarships Portal. The scheme is meant to ensure that a modest family budget never forces an OBC student in the city to drop out. Eligibility is capped at a family income below ₹1.5 lakh a year, and every approved payout reaches the student straight through Direct Benefit Transfer into an Aadhaar-linked bank account.
Chandigarh Shagun Scheme 2026 — ₹51,000 Marriage Assistance for SC/BPL Daughters | socialsecurity.chd.gov.in
The Chandigarh Shagun Scheme provides one-time marriage assistance of ₹51,000 to daughters of Scheduled Caste (SC) and BPL families at the time of their wedding. The scheme aims to reduce the financial burden of marriage on low-income families and prevent dowry-related practices. The assistance is directly credited to the bride's or parent's bank account via DBT. The bride's family must be domiciled in Chandigarh UT, and the girl's age must be 18 years or above at the time of marriage.
Chandigarh PDS / NFSA Food Security Scheme 2026 — Free Ration for BPL/NFSA Families | food.chd.gov.in
Chandigarh UT implements the National Food Security Act (NFSA) through its Public Distribution System (PDS), providing free 5 kg foodgrains (wheat/rice) per person per month to Priority Household (PHH) and Antyodaya Anna Yojana (AAY) card holders. AAY families (poorest of the poor) receive 35 kg per household per month. Additionally, the state-level Annapurna scheme provides 10 kg free grain per month to destitute senior citizens not covered under other pensions. Distribution is done at Fair Price Shops using ePoS and Aadhaar biometric authentication.
Chandigarh Skill Development Scheme 2026 — Free Training + ₹2,500/Month Stipend for Youth | skillmission.chd.gov.in
The Chandigarh Skill Development Scheme provides free vocational and technical skill training to youth aged 18–35 in Chandigarh UT across trades like IT, hospitality, retail, healthcare, construction, automotive, and beauty & wellness. Trainees receive a stipend of ₹1,500–₹2,500 per month during the training period. Training is conducted at government ITIs, Chandigarh Skill Development Mission (CSDM) empanelled centres, and NSDC partners. On successful completion, trainees receive NSQF-aligned certificates and placement assistance.
Chandigarh Free / Concessional CTU Bus Pass 2026 — SC/ST/BPL/Students/Senior Citizens | chandigarhtransport.gov.in
Chandigarh UT provides free or heavily subsidised annual CTU (Chandigarh Transport Undertaking) bus passes to several categories of residents: SC/ST cardholders get free annual passes, BPL families get 50% concession, school/college students get 50% concession, senior citizens (60+) get free passes, and differently-abled persons get free passes. The scheme helps low-income and vulnerable residents access affordable public transport across Chandigarh UT. Applications are submitted at CTU depots with relevant documents.
🇮🏻 Central Government Schemes for Chandigarh Residents
All 252 central government schemes are applicable to residents of Chandigarh. 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 Chandigarh residents.
About Chandigarh Government Schemes
Chandigarh 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 Chandigarh. State-specific schemes like Chandigarh Affordable Housing Scheme provide additional benefits exclusive to Chandigarh residents.