🏔️ Himachal Pradesh Government Schemes 2026
हिमाचल प्रदेश • Capital: Shimla • Population: 73 Lakh • 20+ schemes
| State | Himachal Pradesh (हिमाचल प्रदेश) |
| Capital | Shimla |
| Population | 73 Lakh |
| Total Schemes Listed | 20+ |
| Central Schemes Available | All central government schemes apply |
🏛️ Himachal Pradesh State Government Schemes
हिमाचल प्रदेश सहारा योजना 2026 — गंभीर बीमारी में ₹3,000/माह सहायता | HP Sahara Yojana
Run by the Health & Family Welfare Department of Himachal Pradesh, the Sahara Yojana is a relief measure for families who are slowly drained by the cost of a long-term illness. A patient who has been diagnosed at a recognised HP government or district hospital with one of the covered chronic conditions — cancer, diabetes, heart disease, Parkinson's, muscular dystrophy, hemophilia, thalassemia or kidney failure — and who belongs to a BPL or low-income household receives a fixed ₹3,000 every month. The money is meant to ease the recurring burden of medicines, follow-up treatment and caregiving rather than reimburse a one-time hospital bill. Once an application is sanctioned, the ₹3,000 is paid through Direct Benefit Transfer (DBT) straight into the beneficiary's Aadhaar-linked bank account, so the amount reaches the household without any middleman.
हिमाचल प्रदेश HimCare योजना 2026 — ₹5 लाख कैशलेस उपचार Non-Ayushman परिवारों को | HP HimCare
HimCare is Himachal Pradesh's own health-insurance answer for everyone who falls outside Ayushman Bharat (PM-JAY). Operated by the state's Health & Family Welfare Department through the HP State Bima Yojana portal, it gives an enrolled family up to ₹5 lakh of cashless hospitalisation cover each year at empanelled government and private hospitals. The scheme deliberately fills the gap left by PM-JAY's SECC list — families above that threshold, self-employed people, daily-wage earners, pensioners and even HP government employees can buy in. Coverage is activated against a small annual premium (₹365 for non-government families and ₹1,000 for the government-employee category) rather than a lump-sum bill at the hospital. Once enrolled, the household receives a HimCare e-card, and treatment is settled cashlessly between the empanelled hospital and the scheme, so the family does not have to arrange money up front for a listed procedure.
मुख्यमंत्री सुखाश्रय योजना हिमाचल 2026 — अनाथ बच्चों को ₹4,000/माह + शिक्षा + देखभाल | HP Sukhashraya
Mukhyamantri Sukhashraya Yojana is the way the Himachal Pradesh Women & Child Development Department steps in as a guardian for children who have lost their parents or been left without a family to care for them. Treating the state as a 'mother', the scheme wraps a complete support system around orphaned, destitute and abandoned children of HP — and around children of very low-income single parents. It pays ₹4,000 a month, funds free schooling up to Class 12, offers free accommodation in government child-care homes, and adds nutrition, healthcare and vocational training so a child is supported not just through childhood but until the age of 27 while they finish higher studies or skill training. The monthly assistance is routed through Direct Benefit Transfer into the child's own bank account, keeping the money secure and trackable.
HP Mukhyamantri Grihini Suvidha Yojana 2026 — Free LPG Connection for HP Rural BPL Women
Himachal Pradesh Mukhyamantri Grihini Suvidha Yojana provides free LPG connections and first cylinder to BPL rural women in Himachal Pradesh who are NOT covered under PM Ujjwala Yojana (PMUY). HP extends the central Ujjwala coverage to remaining BPL rural households left out — targeting women from SC, ST, BPL, and APL households with annual income below ₹1.5 lakh in HP. Benefits: Free LPG connection, first cylinder free, first refill at ₹300 subsidy. HP government covers the security deposit (₹1,600) and connection charges. 2 lakh+ beneficiaries in Himachal Pradesh. Apply at nearest LPG distributor or HP gas agency.
HP Mukhyamantri Vidyarthi Protsahan Yojana 2026 — ₹5,000-₹1.5 Lakh for HP Higher Education Students | edu.himachal.gov.in
Mukhyamantri Vidyarthi Protsahan Yojana (also referred to as the HP Mukhyamantri Higher Education Scholarship / Mahila Vidya Aagam component for girls) is Himachal Pradesh's flagship scholarship for meritorious students from poor families pursuing higher education. Provides ₹5,000-₹1.5 lakh per student based on course (UG ₹5,000-₹15,000/year, PG ₹15,000-₹25,000/year, professional/engineering/medical ₹50,000-₹1.5 lakh). Family income ≤ ₹2.5 lakh. The Mahila Vidya Aagam sub-component specifically gives a 50% additional weightage to GIRL students from HP and aims at increasing female participation in higher education. About 12,000 HP students benefit annually. Apply on the HP State Scholarship Portal (himachal.epass.cgg.gov.in / edu.himachal.gov.in) August-December.
HP Mukhyamantri Old Age Pension 2026 — ₹1,500/Month for Senior Citizens | Social Welfare HP
Himachal Pradesh's social welfare pension for senior citizens combines the central Indira Gandhi National Old Age Pension Scheme (IGNOAPS) with HP's state top-up, providing ₹750-₹1,500/month to elderly residents of HP aged 60 years and above from BPL/low-income families. HP state adds ₹1,000-₹1,200/month over and above the central ₹200-₹500. Total: ₹1,500/month for age 60-79 (BPL); ₹1,500/month for age 80+ (all seniors in HP regardless of income — enhanced rate). Additionally, HP provides universal pension to all seniors aged 70+ in HP regardless of income under 'Sashakt Himachal' initiative. Apply via Seva Sindhu / Social Welfare Department HP.
HP One Horticulture One Household Scheme 2026 — Free Fruit Saplings + Polyhouse Subsidy for HP Farmers
Himachal Pradesh 'One Horticulture — One Household' Yojana aims to make every rural household in HP self-sufficient in horticultural income. Benefits: (1) Free or heavily subsidised fruit saplings — apple, pear, cherry, plum, kiwi, strawberry — 200 plants per household; (2) Polyhouse subsidy 60-80% for protected cultivation (up to ₹3 lakh polyhouse); (3) Cold storage and packing house subsidy 35-50%; (4) Drip irrigation subsidy 50-60%; (5) Market linkage with HPMC (HP Horticulture Produce Marketing Corp) and Himfed for fair price realization. Target: Doubling farm income for 2 lakh HP rural families. Apply at District Horticulture Officers in all 12 HP districts.
HP Building & Construction Workers Welfare Board 2026 — ₹2L Accident + Maternity + Education for HP Workers
Masons, carpenters, painters, helpers and other building-site workers in Himachal Pradesh are looked after by the state's Building & Other Construction Workers (BOCW) Welfare Board under the Labour & Employment Department. Once a worker registers — for a token annual fee of just ₹25 — a whole safety net opens up. A fatal accident on site brings ₹2 lakh to the family, permanent disability is covered at ₹1 lakh, and a maternity benefit of ₹15,000 is paid for up to two deliveries (to a woman worker or a male worker's wife). The Board also funds children's education with scholarships ranging from ₹500 to ₹10,000 a year from Class 1 through graduation, reimburses up to ₹2,500 per illness for medical treatment, and pays a ₹1,500 monthly pension after age 60 to workers with five years on the rolls. Spanning all twelve districts of HP, registration and claims are handled at the HP Labour Department.
HP Mukhyamantri Awas Yojana 2026 — Free House for Homeless HP BPL Families | himachal.gov.in
Himachal Pradesh Mukhyamantri Awas Yojana provides free pucca house construction to landless BPL homeless families in Himachal Pradesh who are NOT covered under PM Awas Yojana Gramin (PMAY-G). HP state extends housing benefits to remaining BPL families excluded from PMAY-G SECC list. Benefits: ₹1.5 lakh (plains) / ₹1.8 lakh (hilly/difficult areas) per unit — HP state funds additionally up to ₹50,000 over PMAY-G rate for hill terrain construction. Total beneficiary contribution near zero. Implemented through District Collectors, BDOs. Priority: Widows, divorcees, disabled, single parents, SC/ST landless families in HP.
हिमाचल प्रदेश मुख्यमंत्री स्वावलंबन योजना 2026 — ₹60 लाख तक ऋण + 25% सब्सिडी | hpkvn.hp.gov.in
Himachal Pradesh Mukhyamantri Swavalamban Yojana (also called HP Mukhyamantri Swarojgar Yojana) provides loans up to ₹60 lakh for service/business/manufacturing enterprises and up to ₹40 lakh for agriculture-based enterprises, with 25% capital subsidy (maximum ₹15 lakh) to educated unemployed youth in HP. Women entrepreneurs get 5% additional subsidy. SC/ST candidates get 30% subsidy. The scheme is administered by Himachal Pradesh Khadi & Village Industries Commission (hpkvn.hp.gov.in).
हिमाचल प्रदेश SC/OBC/Minority Post-Matric Scholarship 2026 — Full Tuition + ₹1,200/माह | scholarship.hp.gov.in
Run by the Social Justice & Empowerment Department of Himachal Pradesh alongside the central Ministry of Social Justice & Empowerment, this Post-Matric Scholarship eases the cost of education for SC, OBC, and notified Minority students (Muslim, Christian, Sikh, Buddhist, Jain, Parsi) across the hill state. Anyone studying from Class 11 right up to PhD level in a recognised institution can claim full tuition-fee reimbursement together with a monthly maintenance allowance of ₹230 to ₹1,200, the exact figure depending on the course and on whether the student is a day scholar or a hosteller. Because the award is processed through the National Scholarships Portal and verified by the student's own college, the sanctioned amount lands directly in the Aadhaar-linked bank account via DBT. Roughly 2 lakh learners across HP draw this support every year, and the application window opens around July and closes in November.
हिमाचल प्रदेश MGNREGS 2026 — ₹290/दिन 100 दिन गारंटीड रोजगार | HP MGNREGA Rural Employment
Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) in Himachal Pradesh guarantees 100 days of wage employment per year to rural households at ₹290/day (HP notified wage rate 2025-26). Any adult member of a rural household willing to do unskilled manual work can demand employment. If work is not provided within 15 days of demand, the worker is entitled to an unemployment allowance. Works undertaken include water conservation, land development, rural connectivity, and flood control — especially relevant for HP's hilly terrain. About 8-10 lakh HP families benefit annually. Apply by registering at the local Gram Panchayat with a Job Card.
हिमाचल प्रदेश दिव्यांगजन पेंशन योजना 2026 — ₹1,000-₹1,500/माह | IGNDPS + HP State Top-Up
For persons living with disability in the hill state, Himachal Pradesh layers its own contribution on top of the central Indira Gandhi National Disability Pension Scheme (IGNDPS) to build a single monthly pension. The Centre puts in ₹300 a month and the HP Social Justice & Empowerment Department, which administers the scheme, tops that up by ₹700 to ₹1,200 — so a beneficiary with 40-79% disability from a BPL or low-income family draws around ₹1,000 a month, while severe disability of 80% or more is pensioned at ₹1,500. Eligibility rests on a disability certificate of 40% or more issued by the Chief Medical Officer or a Medical Board, and every recognised category counts: locomotor, visual, hearing, speech, intellectual disability and mental illness alike. Around 1 lakh people with disabilities across HP receive this support, paid straight into an Aadhaar-linked bank account through DBT. Applications are made at the CDPO or Social Welfare Office.
हिमाचल प्रदेश मुख्यमंत्री शक्ति योजना 2026 — BPL महिलाओं को ₹1,500/माह | HP Women Cash Transfer
Mukhyamantri Shakti Yojana is Himachal Pradesh's direct cash transfer scheme for BPL women aged 18-60 years, providing ₹1,500/month to empower them financially. The scheme targets women from Below Poverty Line (BPL) families who are not already receiving any other cash benefit above ₹1,500/month. Priority is given to widows, divorcees, abandoned women, and women-headed households. Administered by HP Women & Child Development Department. DBT directly to Aadhaar-linked bank account. About 3 lakh HP women are targeted under this scheme. Apply at CDPO/Anganwadi office.
हिमाचल प्रदेश मुख्यमंत्री ज्ञान दीप योजना 2026 — ₹10 लाख तक Education Loan पर 100% Interest Subsidy
Mukhyamantri Gyan Deep Yojana is Himachal Pradesh's education loan interest subsidy scheme that provides 100% interest subvention on education loans up to ₹10 lakh for HP students pursuing professional courses (engineering, medical, law, MBA, CA, etc.). The HP government pays the entire interest on the loan during the course period and moratorium period (up to 1 year after course completion), so students have zero interest burden during studies. Family income must be below ₹4.5 lakh. Applicable for HP domicile students taking education loans from scheduled banks. About 10,000 HP students benefit annually. Apply at the lending bank with HP domicile certificate.
हिमाचल प्रदेश जनजातीय विकास कल्याण निधि 2026 — लाहौल-स्पीति, किन्नौर, पांगी, भरमौर | HP Tribal Welfare
Himachal Pradesh Tribal Development Welfare Fund covers the four Special Sub-Plan (TSP) tribal areas of HP: Lahaul-Spiti (home of Lahaula and Bodhi people), Kinnaur (Kinnauri tribe), Pangi (Gaddi tribe), and Bharmour (Gaddi tribe). The fund provides integrated support for infrastructure (roads, bridges, drinking water in remote villages), livelihood development (yak/sheep husbandry, cold-arid horticulture, medicinal plants cultivation), education (tribal hostels, scholarships, computer training), and health (mobile health units in snow-bound areas). Special tribal scholarship ₹1,000-₹3,000/month for tribal students in hostels. HP Tribal Department administers under TSP (Tribal Sub-Plan) guidelines.
हिमाचल प्रदेश कृषि सिंचाई योजना 2026 — Micro-Irrigation पर 50% सब्सिडी | HP Hill Farmers Sprinkler
Himachal Pradesh Krishi Sinchai Yojana (under PM Krishi Sinchai Yojana — More Crop Per Drop) provides 50% subsidy on micro-irrigation and sprinkler systems for HP hill farmers. HP's steep terrain and scattered land holdings make flood irrigation impractical — drip and sprinkler systems are critical for crop viability. Benefits: 50% subsidy (55% for SC/ST/small & marginal farmers) on drip irrigation equipment, sprinkler sets, underground pipelines, and water storage tanks. Average subsidy: ₹25,000-₹70,000 per hectare. HP Agriculture Department implements through district offices. About 1 lakh HP farmers benefit per year. Apply at District Agriculture Officer.
हिमाचल प्रदेश नई राह कौशल विकास 2026 — Free Training + ₹3,000/माह Stipend HP Youth | HP Nai Raah
Nai Raah (New Path) is Himachal Pradesh's state skill development scheme for unemployed youth aged 18-35 years, offering free vocational training in industry-relevant trades (hospitality, IT/BPO, healthcare, automobile, retail, construction trades, and more) with ₹3,000/month stipend during training (3-12 months). The scheme is implemented through HP Skill Development Corporation (HPSDCORP) and 100+ empanelled training partners across HP. Post-training: job placement assistance and self-employment support. Priority to youth from SC/ST, BPL, rural and tribal areas. About 50,000 HP youth trained annually. Apply at hpsdcorp.in.
हिमाचल प्रदेश मुख्यमंत्री शहरी आजीविका योजना 2026 — Urban Poor SHG Loan + Self-Employment | HP Urban Mission
Mukhyamantri Urban Livelihood Mission HP provides self-employment loans and SHG (Self-Help Group) credit linkage for the urban poor in HP towns. Under HP's state Urban Livelihood program (aligned with DAY-NULM — Deendayal Antyodaya Yojana — National Urban Livelihoods Mission), urban BPL families in HP's 54 urban local bodies get: (1) Individual self-employment loans up to ₹2 lakh at 5-7% interest (interest subsidy covers the rest); (2) SHG credit linkage ₹1-2 lakh per group; (3) Skill training for urban poor youth in demand-driven trades (free); (4) Street vendors formalization (PM SVANidhi loans ₹10,000-₹50,000). Priority to urban homeless, ragpickers, street vendors, construction workers, domestic workers. Apply at Urban Local Body / Municipal Corporation / CDPO urban.
हिमाचल प्रदेश ट्राउट मछली पालन योजना 2026 — 50% सब्सिडी पर ट्राउट सीड + तालाब | HP Trout Farming
Himachal Pradesh Fisheries Department's Trout Farming Support scheme provides 50% subsidy on trout fish seed (fingerlings/fry), pond construction, and equipment to HP hill farmers for rainbow trout and brown trout aquaculture. HP's cold mountain streams and spring water in Kullu, Shimla, Mandi, Kinnaur, Lahaul-Spiti, and Chamba districts are ideal for trout farming. Benefits: 50% subsidy on: (1) Trout fish seed (fingerlings) up to 10,000 fish; (2) RCC/FRP raceways/tanks construction (₹3-5 lakh per unit); (3) Aerator, feed equipment, fishing net; (4) Training at HP Fisheries Hatchery centres. HP government also provides 25% subsidy on trout feed. Total investment per unit ₹6-10 lakh; subsidy ₹3-5 lakh. About 3,000 HP farmers in trout farming. Apply at District Fisheries Officer.
🇮🏻 Central Government Schemes for Himachal Pradesh Residents
All 252 central government schemes are applicable to residents of Himachal 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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About Himachal Pradesh Government Schemes
Himachal 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 Himachal Pradesh. State-specific schemes like HP Sahara Yojana provide additional benefits exclusive to Himachal Pradesh residents.