⛏️ Jharkhand Government Schemes 2026
झारखंड • Capital: Ranchi • Population: 3.8 Cr • 20+ schemes
| State | Jharkhand (झारखंड) |
| Capital | Ranchi |
| Population | 3.8 Cr |
| Total Schemes Listed | 20+ |
| Central Schemes Available | All central government schemes apply |
🏛️ Jharkhand State Government Schemes
अबुआ आवास योजना झारखंड 2026 — गरीब परिवारों को 3 कमरों का पक्का घर
Abua Awas Yojana is a state housing scheme run by the Rural Development Department, Government of Jharkhand, for families who were left out of the central Pradhan Mantri Awas Yojana (PMAY) list. Eligible homeless families and those living in kutcha or temporary shelters are sanctioned a sturdy three-room pucca house complete with its own kitchen and toilet. The state bears the full ₹2 lakh construction cost, which is released in three stages tied to building progress — foundation, lintel level, and completion. Each instalment is transferred straight into the beneficiary's Aadhaar-linked bank account through DBT, so the money reaches the family without middlemen once the Gram Sabha verifies the case.
मुख्यमंत्री सुकन्या योजना झारखंड 2026 — बालिकाओं को जन्म से ₹40,000 तक
Mukhyamantri Sukanya Yojana is a girl-child welfare scheme of the Government of Jharkhand designed to keep daughters of poor families in school and out of early marriage. From the day a girl is born until she turns 18, the state pays a total of ₹40,000 in seven instalments linked to milestones such as birth, the first year, and passing key school classes, with the final ₹10,000 paid only if she is still unmarried at 18. The girl must be from a BPL family or one earning below ₹1.5 lakh a year and must be enrolled in an Anganwadi or school. Each instalment is credited through DBT into the girl's own Aadhaar-linked bank account after verification.
Jharkhand Rajya Fasal Rahat Yojana 2026 — Crop Loss Compensation No Premium | jrfry.jharkhand.gov.in
Jharkhand Rajya Fasal Rahat Yojana (JRFRY) is Jharkhand's state-funded crop loss compensation scheme — a replacement for PMFBY. There is NO premium for farmers. If crop loss exceeds 30%, farmers get ₹3,000-5,000/acre compensation (varies by crop and loss percentage). Aadhaar and land records are mandatory. Apply at jrfry.jharkhand.gov.in.
Jharkhand Sarvajan Pension Yojana 2026 — ₹1,000/Month Old Age, Widow, Disability | jharsewa.jharkhand.gov.in
Jharkhand Sarvajan Pension Yojana provides monthly pension to old age (60+), widow, and disabled people from poor families in Jharkhand. Pension amount is ₹1,000/month. The scheme covers those not getting any other central/state pension. Apply at jharsewa.jharkhand.gov.in or at Block Development Office (BDO). Over 30 lakh beneficiaries in Jharkhand.
सावित्रीबाई फुले किशोरी समृद्धि योजना झारखंड 2026 — बेटी को ₹40,000 कुल 6 किस्तों में | Savitribai Phule Yojana JH
Savitribai Phule Kishori Samridhi Yojana is Jharkhand government's girl child empowerment scheme providing a total of ₹40,000 to girls in 6 instalments from Class 8 onwards till marriage/18 years. The scheme aims to prevent child marriage, improve girl child enrolment, and reduce school dropout rates among girls in Jharkhand. Amount is transferred directly to the girl's Aadhaar-linked bank account via DBT. Covers girls from SECC-2011 listed families and Antyodaya card holders across all 24 districts of Jharkhand.
जोहार प्रोजेक्ट झारखंड 2026 — आदिवासी महिला SHG ₹50,000 Seed Fund | World Bank Tribal Scheme
Jharkhand Opportunities for Harnessing Rural Growth (JOHAR) is a World Bank funded project targeting tribal and poor rural communities in Jharkhand. Key features: Women Self Help Groups (SHGs) receive Rs 50,000 seed capital; intensive agriculture, fisheries, and livestock support; market linkages through Producer Companies; and livelihood diversification. Johar focuses on 17 tribal-dominated districts in Jharkhand. Over 2 lakh families benefited through 17,000+ SHGs. Convergence with PM-KISAN, MGNREGS, and state livestock schemes.
Mukhyamantri Krishi Aashirwad Yojana Jharkhand 2026 — ₹5,000/Acre/Year Small Farmers | mkay.jharkhand.gov.in
Mukhyamantri Krishi Aashirwad Yojana (MKAY) is Jharkhand government's farmer income support scheme providing ₹5,000 per acre per year (up to maximum 5 acres = ₹25,000/year) to small and marginal farmers with land up to 5 acres. Launched in 2019, the scheme is specifically designed to supplement PM-KISAN for the large number of small farmers in Jharkhand's tribal regions. Amount is transferred in Kharif season directly to Aadhaar-linked bank accounts via DBT. Over 14 lakh small and marginal farmers benefit annually. The scheme targets the unique agrarian challenge of Jharkhand where average landholding is well below 2 hectares.
Mukhyamantri Maiya Samman Yojana Jharkhand 2026 — ₹2,500/Month to Women | mmsy.jharkhand.gov.in
Mukhyamantri Maiya Samman Yojana is Jharkhand government's flagship women welfare scheme launched in August 2024 by CM Hemant Soren providing ₹2,500 per month directly to eligible women aged 18–50 years via DBT. Previously the amount was ₹1,000/month; it was increased to ₹2,500 in 2024. Over 47 lakh women across Jharkhand are enrolled. The scheme targets women from BPL and low-income families who are not government employees. The monthly transfer promotes financial autonomy and household welfare in a state with high poverty and gender disparity. Apply at mmsy.jharkhand.gov.in or nearest Block/District office.
Mukhyamantri Protsahan Yojana Jharkhand 2026 — ₹5,000/Month for Educated Unemployed | jharsewa.jharkhand.gov.in
Jharkhand Mukhyamantri Protsahan Yojana provides unemployment allowance of ₹5,000 per month for up to 2 years to educated unemployed Jharkhand youth who have completed at least graduation and are registered with their District Employment Exchange. The scheme covers Jharkhand domicile holders who are actively seeking employment. Amount is transferred via DBT. Over 2 lakh educated unemployed youth benefit annually.
Jharkhand Guruji Credit Card Yojana 2026 — ₹15 Lakh Student Loan at 4% Interest | jgcc.jharkhand.gov.in
Jharkhand Guruji Credit Card Yojana launched in 2024 provides education loans up to ₹15 lakh at only 4% annual interest (after government interest subsidy) for higher education in India and abroad. No collateral required for loans up to ₹7.5 lakh. State government pays the interest difference — student pays only 4%. Targets students from economically weaker sections pursuing graduation, PG, engineering, medical, MBA, law. Implemented through empanelled banks.
Sona Sobran Dhoti-Saree Yojana Jharkhand 2026 — Free Dhoti & Saree for BPL Families | Block Distribution
Sona Sobran Dhoti-Saree Yojana is Jharkhand's unique free clothing scheme for BPL families. Free traditional dhoti is given to male members and saree to female members twice a year — during Dussehra and Republic Day — through block-level distribution camps. No application required. BPL ration card holders are automatically included. Over 30 lakh BPL families in Jharkhand benefit annually. The scheme dignifies the poorest families by providing basic clothing, especially in tribal and rural areas.
Jharkhand BOCW Welfare Board 2026 — ₹1 Lakh Insurance + Pension + Scholarship | jbocw.jharkhand.gov.in
Run by the Labour Department's Building & Other Construction Workers Welfare Board, this Jharkhand scheme turns a small ₹20/month worker contribution into a wide safety net for masons, carpenters, painters, welders and other site labour across the state. Once registered, a worker can claim ₹1 lakh on accidental death, ₹50,000 on natural death, and a ₹1,000/month pension after 60. Family-focused help includes ₹6,000 maternity benefit, ₹35,000 marriage assistance, and an education scholarship of ₹2,000-10,000/year per child for up to two children. Day-to-day support covers ₹30,000/year medical reimbursement and ₹3,000 for buying tools. Registration is done at jbocw.jharkhand.gov.in or the District Labour Office, after which each benefit is claimed individually on the portal.
Jharkhand SC/ST Post-Matric Scholarship 2026 — Full Tuition + ₹1,000/Month | scholarships.gov.in
Jharkhand SC & ST Welfare Department provides post-matric scholarships to SC and ST students from Class 11 onwards. Maintenance allowance: ₹500/month Day Scholar (Class 11-12), ₹900/month Day Scholar (Degree/PG), ₹1,000/month Hosteller (Degree/Professional). Full tuition fee reimbursed. Income limit: ₹2.5 lakh. Jharkhand has the highest ST population percentage (26.2%) among major states — making this one of the most-used scholarships. Apply through scholarships.gov.in annually (August-October window).
Jharkhand MGNREGA Job Card 2026 — 100 Days Work ₹237/Day | nrega.nic.in
MGNREGA guarantees 100 days of employment per year to every rural household in Jharkhand. Daily wage: ₹237/day (2025-26 Jharkhand rate). Jharkhand is among the top states for MGNREGA utilisation with high tribal and rural population. Works: water conservation, land development, Birsa Harit Gram plantation, road construction. Payment within 15 days via DBT. 40 lakh+ active job card holders in Jharkhand. Apply at Gram Panchayat.
Jharkhand Petrol Subsidy Yojana 2026 — ₹250/Month for BPL Two-Wheeler Owners | petrol.jharkhand.gov.in
Jharkhand Petrol Subsidy Yojana provides ₹250 per month petrol subsidy to two-wheeler owners from BPL/Priority Household/Antyodaya ration card families. Launched in 2022 by CM Hemant Soren to reduce the daily travel burden of rural and semi-urban residents who depend on two-wheelers for livelihood — daily wage workers, small traders, and farmers. Subsidy is credited directly to the beneficiary's bank account monthly via DBT. Over 15 lakh BPL two-wheeler household targeted.
Jharkhand Skill Development Mission (JSDMS) 2026 — FREE Training + ₹1,000-3,000/Month Stipend | jsdms.nic.in
Jharkhand Skill Development Mission Society (JSDMS) provides free skill training to youth in manufacturing, IT/ITeS, retail, hospitality, construction, agriculture, healthcare, and beauty trades. Training duration: 3–12 months. Stipend during training: ₹1,000-3,000/month. Post-training job placement support through JSDMS-empanelled industry partners. SC/ST, women, BPL youth given admission priority. Over 5 lakh youth trained since inception. Apply at jsdms.nic.in or nearest JSDMS training centre.
Mukhyamantri Pashupalak Vikas Yojana Jharkhand 2026 — 50–90% Subsidy Goat/Cattle Unit | animal.jharkhand.gov.in
Jharkhand Mukhyamantri Pashupalak Vikas Yojana provides 50–90% government subsidy on small livestock units for BPL, SC/ST, and rural poor families. Goat rearing unit: 10 goats + 1 buck (~₹50,000 total — government pays 90%); cow/buffalo dairy unit (50% subsidy); pig rearing (75% subsidy). Priority to PVTG (Primitive Vulnerable Tribal Groups), women SHG members, and Johar Project beneficiaries. Training and veterinary support included. Apply at Block Animal Husbandry Officer or animal.jharkhand.gov.in.
Birsa Harit Gram Yojana Jharkhand 2026 — 300 Free Fruit Plants + MGNREGS Wages | Gram Panchayat
Birsa Harit Gram Yojana is Jharkhand's flagship plantation-cum-livelihood programme run by the Rural Development Department in convergence with MGNREGS. Its aim is to turn unused rural land into productive orchards while giving poor households steady wage work. Every covered family receives 300 fruit-bearing saplings free of cost — mango, litchi, guava, amla, banana and jackfruit — to plant on their own or panchayat land. The labour of digging, planting and maintaining the orchard is paid as MGNREGS wages, which are credited to the worker's bank account. After the trees mature in about four to five years, families can earn roughly ₹20,000 to ₹50,000 a year from the fruit harvest. Launched in 2020, the scheme has covered over 30 lakh households, with SC/ST families given first priority.
Jharkhand OBC Post-Matric Scholarship 2026 — Full Tuition + ₹800/Month | scholarships.gov.in
Administered by the OBC Welfare Department of the Government of Jharkhand, this post-matric scholarship helps OBC students from the state stay in education from Class 11 right through to professional courses. Alongside full reimbursement of the tuition fee, students get a monthly maintenance allowance that scales with their stage of study: ₹400/month for a Day Scholar in Class 11-12, ₹700/month for a Day Scholar at Degree or PG level, and ₹800/month for a Hosteller in a Degree or professional course. To qualify, the family's annual income must stay within ₹1.5 lakh and the student must hold a Jharkhand OBC caste certificate and domicile. Applications are filed once a year on the National Scholarship Portal (scholarships.gov.in) during the August-October window, after which the department verifies the form and releases money straight to the student's bank account through DBT.
Jharkhand Mukhyamantri Mahila Udyam Protsahan 2026 — ₹5 Lakh Loan for Women Enterprise | udyog.jharkhand.gov.in
Jharkhand Mukhyamantri Mahila Udyam Protsahan Yojana is run by the Industries Department of the Government of Jharkhand to help women across the state start and grow their own businesses. The scheme offers subsidised loans ranging from ₹50,000 up to ₹5 lakh for setting up micro and small enterprises in fields such as food processing, handloom, handicraft, beauty, tailoring and retail. SC/ST and BPL women get a 35% subsidy on the loan, while general-category women get 25%, lowering the real cost of starting up. Applications are processed through the District Industries Centres (DIC) and linked banks, so the loan is sanctioned by a bank and the subsidy adjusted against it. Over 2 lakh women entrepreneurs are targeted. Women can apply at their nearest DIC or online at udyog.jharkhand.gov.in.
🇮🏻 Central Government Schemes for Jharkhand Residents
All 252 central government schemes are applicable to residents of Jharkhand. 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 Jharkhand residents.
About Jharkhand Government Schemes
Jharkhand 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 Jharkhand. State-specific schemes like Abua Awas Yojana provide additional benefits exclusive to Jharkhand residents.