🌺 Karnataka Government Schemes 2026
कर्नाटक • Capital: Bengaluru • Population: 6.7 Cr • 51+ schemes
| State | Karnataka (कर्नाटक) |
| Capital | Bengaluru |
| Population | 6.7 Cr |
| Total Schemes Listed | 51+ |
| Central Schemes Available | All central government schemes apply |
🏛️ Karnataka State Government Schemes
ಗೃಹ ಜ್ಯೋತಿ ಯೋಜನೆ ಕರ್ನಾಟಕ 2026 — 200 Units Free Electricity | Gruha Jyothi Karnataka
Karnataka government provides 200 units of free electricity per month to domestic consumers under the Gruha Jyothi guarantee scheme, covering most middle-class household usage. Over 1.5 crore households in Karnataka benefit from this scheme — no separate application needed, the benefit is applied automatically to eligible electricity bills.
Anna Bhagya Yojana Karnataka 2026 — 10 Kg Free Rice per Person per Month
Anna Bhagya Yojana is Karnataka government's flagship food security guarantee scheme launched in 2023, providing 10 kg of free rice per person per month to all BPL (Below Poverty Line), Antyodaya Anna Yojana (AAY), and Priority Household (PHH) ration cardholders. The scheme complements the central NFSA entitlement — 5 kg from NFSA at ₹1/kg plus 5 kg free from Anna Bhagya — making total rice entitlement 10 kg per person at zero cost. Beneficiaries collect rice from their designated Fair Price Shop (ration shop) every month by showing their ration card and Aadhaar. If collection is not feasible, ₹170 per person per month is credited via DBT.
ಶಕ್ತಿ ಯೋಜನೆ ಕರ್ನಾಟಕ 2026 — ಮಹಿಳೆಯರಿಗೆ ಉಚಿತ ಬಸ್ ಪ್ರಯಾಣ | Shakti Scheme Karnataka Free Bus
Shakti is one of the five guarantee schemes rolled out by the Karnataka government through its Transport Department in June 2023, and it removes bus fare entirely for women travelling within the state. The benefit covers ordinary and express services run by all five state road transport corporations — KSRTC, BMTC, NWKRTC, NEKRTC, and KKRTC — so a woman can step onto any eligible government bus and ride at no cost. There is no enrolment, no separate pass, and no income test; instead of a paid ticket the conductor issues a zero-value ticket on board, which is how the state tracks and reimburses each free trip. More than 50 lakh women use this every day, making daily travel to work, college, hospitals, and markets far more affordable across Karnataka.
ಗೃಹಲಕ್ಷ್ಮಿ ಯೋಜನೆ ಕರ್ನಾಟಕ 2026 — ₹2,000/ತಿಂಗಳು | Gruha Lakshmi Scheme Karnataka
Gruha Lakshmi is Karnataka government's flagship guarantee scheme that provides Rs.2,000 per month directly to the bank account of the female head of every eligible household across Karnataka. Launched in August 2023 as one of the 5 Congress guarantee schemes, over 1.29 crore women have registered and receive Rs.24,000 per year via DBT. The Karnataka Budget 2026-27 allocated Rs.28,608 crore for this scheme — the single largest allocation in Karnataka's history.
ಯುವ ನಿಧಿ ಯೋಜನೆ ಕರ್ನಾಟಕ 2026 — ₹3,000/ತಿಂಗಳು ಉದ್ಯೋಗ ಭತ್ಯೆ | Yuva Nidhi Scheme Karnataka
Yuva Nidhi is Karnataka government's unemployment allowance scheme that provides Rs.3,000 per month to unemployed graduates and Rs.1,500 per month to unemployed diploma holders for up to 2 years. Launched as one of the 5 Karnataka Congress guarantee schemes, it targets youth aged 18–25 who have completed their education but have not found employment for at least 6 months. Apply through Seva Sindhu portal at sevasindhugs.karnataka.gov.in.
Dr Ambedkar Vasati Yojana Karnataka 2026 — ₹1.5–3 Lakh Free House for SC/ST | ambedkarvasatiyojane.karnataka.gov.in
Dr B R Ambedkar Vasati Yojana is a rural housing programme that helps Scheduled Caste and Scheduled Tribe families in Karnataka build a permanent home on land they already own. It is run by the Scheduled Castes and Scheduled Tribes Development Corporation of the Karnataka government, which sanctions ₹1.5 lakh for a house in a normal area and up to ₹3 lakh where the terrain is difficult or hilly and building costs are higher. The grant is not handed over in one go: after a beneficiary is selected at the taluk level, the amount is released directly to the family's Aadhaar-linked bank account in three instalments that are tied to verified stages of construction. Because the family must hold the plot in its own name, the scheme turns existing land into a finished pucca house rather than offering a ready-built unit, and over 6 lakh houses have been completed this way.
Karnataka Ksheera Bhagya + Vidya Siri Scholarship 2026 — Free Milk + SC/ST Education Grant
This page covers two Karnataka student welfare schemes that target the state's most disadvantaged learners. Vidya Siri is a Post-Matric scholarship run through the Social Welfare Department for SC, ST, Category 1, and OBC (2A/2B/3A/3B) students studying in Class 11 or above; it reimburses the full course fee and adds a yearly maintenance allowance of ₹14,000 to ₹25,000 for hostellers, with the money credited straight to the student's own Aadhaar-linked bank account by DBT once the college principal verifies the application. Ksheera Bhagya, run by the School Education Department, supplies 150 ml of free milk on school days to more than 50 lakh children in government schools from Class 1 to Class 10, improving nutrition for younger pupils. Together the two schemes lower the cost of staying in school and college for low-income SC, ST, and OBC families across Karnataka.
Mukhyamantri Sandhya Suraksha Yojana Karnataka 2026 — ₹1,000/Month Pension for Senior Citizens | sspr.karnataka.gov.in
Mukhyamantri Sandhya Suraksha Yojana is Karnataka Government's monthly pension scheme for elderly citizens aged 60 years and above who do not have adequate means of livelihood. The pension amount is ₹1,000 per month (enhanced in 2023 by CM Siddaramaiah). The scheme is part of Karnataka's broader Social Security Pension programme and covers old age, widows, and persons with disabilities. Applications are processed through the Aadhaar-linked Seva Sindhu portal. Over 44 lakh senior citizens, widows, and differently-abled persons receive this pension in Karnataka. The pension is transferred directly to the beneficiary's bank account every month.
Ashraya Yojana Karnataka 2026 — Free Houses for BPL Families (Rajiv Gandhi Rural Housing) | ashraya.karnataka.gov.in
Ashraya Yojana (officially Rajiv Gandhi Rural Housing Corporation Karnataka — RGRHCL) is Karnataka Government's flagship housing scheme providing free pucca houses to houseless BPL (Below Poverty Line) families in rural and urban areas. Eligible families receive 2-room houses (approximately 325 sq ft) along with toilet (SBM linked), electricity connection, and basic amenities. The scheme works in convergence with PM Awas Yojana — Gramin and Urban. The state government contributes additionally over and above PMAY. Priority is given to SC/ST families, single women, differently-abled, and landless families. Over 40 lakh houses constructed since inception. The corpus is managed by RGRHCL under the Housing Department.
ಕರ್ನಾಟಕ ರೈತ ಸಿರಿ 2026 — PM-KISAN Top-up ₹2,000 State Additional | Karnataka Farmer PM-KISAN Supplement
Karnataka Raita Siri is the state government's additional financial support for farmers on top of the central PM-KISAN scheme. Under this scheme, Karnataka provides an additional ₹2,000 per year per farmer family to supplement PM-KISAN's ₹6,000 — bringing total annual support to ₹8,000. Launched to provide extra relief to the state's 52 lakh farmer families, especially small and marginal farmers. Amount transferred via DBT to Aadhaar-linked bank accounts. Scheme implemented through Agriculture Department with beneficiary identification from PM-KISAN database.
ಕರ್ನಾಟಕ ಮುಖ್ಯಮಂತ್ರಿ ವಯೋಶ್ರೀ ಯೋಜನೆ 2026 — BPL ಹಿರಿಯ ನಾಗರಿಕರಿಗೆ Free Assistive Aids | Vayoshri Karnataka
Karnataka Mukhyamantri Vayoshri Yojana is a state-level extension of the central RASHTRIYA VAYOSHRI YOJANA (RVY), providing free assistive aids and appliances to senior citizens from BPL households. Devices provided: hearing aids, spectacles, wheelchairs, walking sticks, artificial dentures, elbow crutches, and other mobility aids depending on medical need. The scheme targets senior citizens aged 60+ from Below Poverty Line families who cannot afford these assistive devices. Implemented through camps organised at taluk and district level by the Social Welfare Department.
Mahalakshmi Yojana Karnataka 2026 — Free Bus Pass for Women | Shakti Scheme Equivalent | ksrtc.karnataka.gov.in
Mahalakshmi Yojana is Karnataka's free bus travel scheme for women — equivalent to the 'Shakti Scheme' launched in June 2023 by the Congress government. Under this scheme, all women (including transgender women) can travel FREE in Karnataka State Road Transport Corporation (KSRTC), BMTC (Bengaluru), NWKRTC, and NEKRTC buses by showing their Aadhaar card or voter ID at the counter and getting a free ticket. No separate registration needed. Previously branded as 'Shakti Scheme', the scheme is popularly referred to as 'Mahalakshmi Yojana' in search queries because multiple southern states (Karnataka, Telangana) launched similar free bus schemes for women around the same time. Karnataka's scheme is specifically Shakti/Mahalakshmi — operational since June 11, 2023. Over 5 crore trips per month are made under this scheme.
Karnataka Anila Bhagya Scheme 2026 — FREE LPG Connection + Stove + 2 Cylinder Refills for BPL Families
Mukhyamantri Anila Bhagya Scheme is Karnataka government's flagship free LPG connection programme for Below Poverty Line (BPL) families. Launched 2016 (originally) and re-implemented across multiple government tenures. Provides: (1) FREE LPG connection (regulator + cylinder); (2) FREE double burner gas stove; (3) FREE 2 LPG cylinder refills annually. Total outlay ₹1,100 crore covering 15 lakh BPL beneficiaries. Operationally similar to central PMUY (Ujjwala) but extends BENEFITS even to families ALREADY covered by Ujjwala (state top-up). Implemented through Karnataka Food, Civil Supplies & Consumer Affairs Department.
Karnataka Bhagyalakshmi Scheme 2026 — ₹1,27,000 Maturity for Girl Child at 18 | bhagyalakshmi.karnataka.gov.in
Karnataka Bhagyalakshmi Scheme is one of India's oldest and most successful girl child welfare schemes — launched March 2006 by then-CM Dharam Singh's government. Provides a financial assistance bond of ₹19,300 (1st daughter) / ₹18,350 (2nd daughter) at birth from LIC of India, which matures to ₹1,27,000 / ₹1,00,052 respectively when the girl turns 18 (provided she meets all conditions). Plus annual scholarship of ₹300-₹1,000 during school years and free health insurance of ₹25,000. Aim: prevent female foeticide, encourage girls' education, end child marriage. 30+ lakh girls registered.
Bhagya Jyothi / Kuteera Jyothi 2026 — FREE 40-100 Units Electricity for BPL & AAY Families | karnataka.gov.in
Bhagya Jyothi and Kuteera Jyothi are Karnataka government's electricity subsidy schemes providing FREE units of electricity per month to economically weaker families. Bhagya Jyothi: For BPL (Below Poverty Line) households with a single-phase connection — first 40 units per month FREE (if consumption ≤ 40 units, the bill is zero). Kuteera Jyothi: For AAY (Antyodaya Anna Yojana) / Destitute families — first 40 units FREE with higher coverage. Under the expanded Gruha Jyothi scheme (2023), all domestic consumers of Karnataka get 200 units free per month — effectively superseding and expanding beyond Bhagya Jyothi. However, Bhagya Jyothi/Kuteera Jyothi continue for specific BPL/AAY categories and small huts/kutcha houses. Beneficiaries: 1.5 crore+ households in Karnataka. Apply through BESCOM/MESCOM/GESCOM/HESCOM/CESC distribution companies or electricity seva kendras.
Karnataka Vidyasiri Scholarship 2026 — ₹1,500/month + Free Hostel for OBC/SC/ST Students
Karnataka Vidyasiri Scholarship (Backward Classes Welfare Department) provides ₹1,500/month food + hostel allowance to OBC/SC/ST/Minority students who couldn't get government hostel admission. Also includes book/stationery allowance ₹1,200/year. Aim: support poor outstation students attending Karnataka colleges. Income limit ₹1 lakh (rural) / ₹2.5 lakh (urban). Apply via ssp.postmatric.karnataka.gov.in (State Scholarship Portal — SSP).
Karnataka SSP Post-Matric Scholarship 2026 — Online Portal for SC/ST/OBC Students
The State Scholarship Portal (SSP) is Karnataka's single online gateway for every post-matric scholarship paid by the government, shared by the Social Welfare, Backward Classes Welfare, and Minority Welfare departments. Launched in 2017, it lets a student from Class 11 onwards register once using Aadhaar e-KYC and then apply for whichever scheme they qualify for — covering SC, ST, OBC, Category 1, Minority, and General learners. The umbrella includes Post-Matric SC/ST and OBC scholarships, Vidyasiri food and hostel allowance, Fee Concession, Prabuddha Overseas Education, ITI and diploma scholarships, and more, with income limits that range from about ₹1 lakh to ₹8 lakh depending on the specific scheme. Approved tuition fee and maintenance amounts are released by DBT into the student's Aadhaar-linked bank account after the college and the department verify the claim. Roughly 25 lakh students rely on the portal every year, making it the backbone of higher-education support in Karnataka.
Krishi Bhagya Yojana Karnataka 2026 — Farm Pond, Polyhouse & Lift Irrigation Subsidy
Krishi Bhagya Yojana is the Karnataka government's flagship rainwater conservation and farm income enhancement scheme reintroduced in the 2024-25 budget with ₹200 crore allocation. The scheme provides 80-90% subsidy to farmers for constructing Krishi Honda (farm ponds) for rainwater harvesting, polyhouses for hybrid vegetable/flower cultivation, shadenets, lift irrigation pumps, diesel motors, and other water conservation infrastructure. Targeted at small and marginal farmers in dryland districts of Karnataka — particularly North Karnataka and Bayaluseeme regions facing severe drought. Eligible farmers can construct farm ponds (size 12×12×3 metres) at 80% government subsidy (~₹70,000 for general; 90% for SC/ST farmers ~₹80,000). Polyhouses get up to 50% subsidy with maximum ₹15 lakh per acre. Application through Raitha Samparka Kendras (RSK) at taluk level or directly at District Agriculture Office.
Pashu Bhagya Yojana Karnataka 2026 — Livestock & Poultry Subsidy for Small Farmers
Pashu Bhagya Yojana is the Karnataka government's livestock development scheme implemented by the Department of Animal Husbandry & Veterinary Services. The scheme provides back-ended capital subsidy and 0% interest short-term loans to small and marginal farmers for setting up cattle/sheep/goat/pig/poultry units. Subsidy: 50% for SC/ST farmers (revised from 33%), and 25% for other small/marginal farmers — on commercial bank loans up to ₹1.20 lakh. Additionally, short-term loans up to ₹50,000 at 0% interest are provided through Co-operative Banks for cattle feed and maintenance. The scheme aims to make farmers' income drought-proof through livestock diversification. Pashu Bhagya is implemented in convergence with NABARD's Dairy Entrepreneurship Development Scheme (DEDS) and central PM-KISAN benefits. Around 2 lakh+ Karnataka farmers have benefited since launch.
Yeshasvini Cooperative Health Insurance Karnataka 2026 — ₹5 Lakh Surgery Cover for Farmers
Yeshasvini Cooperative Farmers Health Care Scheme is Karnataka's pioneering health insurance scheme specifically for members of cooperative societies — particularly farmers. Launched on 1 June 2003 and reintroduced in 2023, it provides cashless surgical treatment up to ₹5 lakh per beneficiary per year at 1,500+ network hospitals across Karnataka. The scheme covers 1,650+ surgeries including cardiology, oncology, neurosurgery, orthopaedic, gynaecology, urology, and trauma. Membership is voluntary — annual contribution of ₹500 per individual or ₹1,500 per family (4 members). Special concession of ₹250 for SC/ST farmers. The scheme is administered by Yeshasvini Cooperative Farmers Health Care Trust under the Department of Cooperation, Karnataka. Implementation through DCC Banks, Primary Agricultural Cooperative Societies (PACS), and Cooperative Marketing Societies — making it one of the largest cooperative health insurance schemes in Asia with 50+ lakh members.
Arogya Karnataka Scheme 2026 — Universal Health Coverage for All Karnataka Residents
Arogya Karnataka is Karnataka's flagship universal health coverage scheme launched in 2018 — a state-specific integration of Ayushman Bharat PM-JAY with the earlier Vajpayee Arogyashree, Yeshasvini Scheme (govt portion), Rajiv Arogya Bhagya Scheme, RSBY, RBSK, Mukhyamantri Santwana Harish Scheme, Indira Suraksha Yojane, and Cochlear Implant Scheme. The scheme provides comprehensive secondary and tertiary healthcare coverage to ALL Karnataka residents through Suvarna Arogya Suraksha Trust (SAST) — implementing agency. BPL families: 100% free cashless hospitalisation up to ₹5 lakh/year at 1,500+ empanelled hospitals. APL families: 70-100% co-pay (state government bears the rest depending on procedure category — emergencies are fully free for all). Coverage includes 1,650+ medical procedures across 30+ specialties — cardiac, oncology, neurosurgery, orthopaedic, gynaecology, paediatric, etc. Arogya Karnataka is linked to ABHA Health ID for portability and seamless claims.
Mathrupoorna Yojana Karnataka 2026 — Hot Meals & Cash for Pregnant Women
Mathrupoorna Yojana is the Karnataka state government's maternal nutrition scheme launched on 2 October 2017 — providing hot cooked nutritious meals to pregnant women and lactating mothers at Anganwadi Centres across all 30 districts of Karnataka. The scheme aims to reduce maternal anaemia, low birth weight, and infant mortality through dignified, on-site nutrition rather than dry take-home rations alone. Each meal provides approximately 25g protein, 600 calories, IFA tablets, calcium tablets, eggs (5 per week), milk, and fortified rice. The scheme is integrated with cash benefits under PMMVY: ₹1,000 within 6 months of pregnancy registration, ₹2,000 after delivery, and ₹2,000 after the child receives the first round of immunisation. Mathrupoorna covers 14+ lakh pregnant and lactating women annually with over ₹250 crore annual outlay — making it one of India's most comprehensive state-specific maternal nutrition programmes.
Krishi Yantra Dhare Karnataka 2026 — Farm Machinery Rental at Subsidised Rate
Krishi Yantra Dhare is the Karnataka government's flagship farm mechanisation scheme implemented by the Department of Agriculture — providing on-demand access to modern farm machinery (tractors, power tillers, combine harvesters, rotavators, paddy transplanters, seed drills, sprayers) to small and marginal farmers at heavily subsidised rental rates. The scheme operates Custom Hiring Centres (CHCs) and Yantra Dhare Kendras at the village/cluster level — equipped with 20-25 modern machines each. Farmers can hire machinery for ₹200-₹2,000 per acre (vs ₹3,000-₹8,000 in private rental market). Special rebate for SC/ST and women farmers (50% discount). The scheme has set up 500+ CHCs across Karnataka with ₹250+ crore annual budget. It empowers small farmers who cannot afford to buy expensive machinery to access mechanised farming — improving productivity by 30-40%. Booking is now digital via the Yantra Karnataka mobile app and Raitha Samparka Kendras.
Karnataka ePASS Scholarship 2026 — Free Hostel + Tuition for SC/ST/BC/PWD Students
Karnataka ePASS (Electronic Pass) scholarship system is the integrated digital platform operated by the Karnataka Backward Classes Welfare Department to administer post-matric scholarships for Backward Class (BC), Minority, and Persons with Disabilities (PWD) students. ePASS provides free hostel accommodation, free tuition fees, exam fees, and maintenance allowance to merit-listed students from Class 11 to PG and PhD. Annual benefit per student: ₹15,000 to ₹3,00,000 depending on course (highest for medical, engineering, law). Family income limit: ₹8 lakh (BC/general) and ₹2.5 lakh (SC/ST handled by Social Welfare Dept). ePASS is also integrated with Vidyasiri (food allowance), Devraj Urs Backward Class loans, and Manaswini (girl child scholarship). Apply online at ssp.postmatric.karnataka.gov.in → 'ePASS' module. Over 7 lakh Karnataka students benefit annually with ₹2,500+ crore annual disbursement.
Karnataka Mukhyamantri Vidyarthi Vidya Siri 2026 — Free Laptop/Tablet for Toppers
Karnataka Mukhyamantri Vidyarthi Vidya Siri Yojana, also called the Karnataka Free Laptop / Tablet Scheme, is a state government initiative distributing free laptops or tablets to meritorious students from Class 10 onwards. The scheme targets SC/ST/BC/Minority students who score high in Karnataka SSLC (Class 10) and II PUC (Class 12) board exams, government degree college students in their final year of UG, and engineering/medical students from EWS backgrounds. Distributed annually with ₹150+ crore allocation. Laptop specs: ~₹35,000-45,000 range (i3 processor, 8GB RAM, 256GB SSD, Windows 11) for UG/PG students; tablets (~₹15,000) for Class 10-12 toppers. The scheme aims to bridge the digital divide and enable distance learning, online research, and digital skill development. Approximately 1 lakh+ laptops/tablets distributed annually. Identification of beneficiaries done through SSP portal data (ePASS + Vidyasiri linked).
Karnataka Raitha Vidya Nidhi 2026 — ₹2,500–₹11,000 Scholarship for Farmer Children
Karnataka Raitha Vidya Nidhi (KRVN) is the Karnataka state government's flagship education scholarship for children of small and marginal farmers — providing financial assistance of ₹2,500 to ₹11,000 per year (course-dependent) to support school, college, and professional course students in Karnataka. Launched in 2021 and expanded in the Karnataka Budget 2026-27 with ₹350+ crore allocation, the scheme covers children whose parents own less than 5 hectares of agricultural land, have a valid Fruits ID (Farmer's Registration), and whose annual family income is below ₹8 lakh. Scholarship amounts: Class 8-10 — ₹2,500/year; Class 11-12 — ₹3,500/year; ITI/Diploma — ₹5,000/year; BA/BCom/BSc — ₹7,500/year; Engineering/Medical/Law/MBA — ₹11,000/year. Application is online at the State Scholarship Portal (SSP) with Aadhaar, Fruits ID, and educational certificates. Approximately 8 lakh+ farmer children are projected to benefit annually as the scheme is scaled up in 2026-27.
Devaraj Urs Backward Class Development Corporation Loan Karnataka 2026
Karnataka State Backward Class Development Corporation (KSBCDC), known as the Devaraj Urs Corporation, provides concessional loans to Backward Class (BC), Minority, and Most Backward Class (MBC) entrepreneurs for self-employment, small business, and trade. Loans ₹50,000 (micro) to ₹15 lakh (small enterprise) at 4% (women) to 6% (men) interest — well below commercial rates. Special sub-schemes: Chaitanya (₹2 lakh @ 4% with 50% subsidy for SHGs), Swavalambana (₹5 lakh @ 5% for graduates), Arundhati Yojana (₹3 lakh @ 4% for women micro-entrepreneurs), Mahatma Phule (₹50,000 @ 6%). Established 1977 in memory of D. Devaraj Urs, BC reservation policy architect. 5 lakh+ beneficiaries since inception.
Karnataka Stree Shakti SHG Scheme 2026 — SHG Loans @ 4% for 22 Lakh Rural Women
Stree Shakti is Karnataka's flagship women's Self-Help Group (SHG) empowerment programme launched 2000-01 by WCD Department — operating with the largest women's SHG network in India after AP. Has organised 1.5+ lakh SHGs covering 22+ lakh rural women — providing financial inclusion, microcredit, livelihood skills, and political voice. Each SHG (10-20 women) saves ₹100-500/month and is eligible for ₹10,000 revolving fund + ₹50K to ₹3 lakh bank credit at 4%. Integrated with DAY-NRLM (centre), NABARD, KMRC training. Women trained in agriculture, sericulture, dairy, handicrafts, food processing.
Karnataka Cradle Baby Scheme 2026 — Anonymous Safe Drop-off for Abandoned Newborns
Karnataka Cradle Baby Scheme is the state's pioneering initiative (launched 2002) to combat female infanticide and child abandonment by providing safe, anonymous cradles at every government hospital, PHC, and Anganwadi Centre. Mothers facing social pressure or financial inability can safely leave their newborns instead of abandoning them dangerously. Operated by WCD Department with CHILDLINE 1098, the scheme accepts babies WITHOUT QUESTIONING parents — full anonymity. Babies are taken to District Child Welfare Committee (CWC) for legal adoption via CARA. 500+ cradle points across Karnataka. Adoptive parents (CARA-registered) take child legally — usually within 4-6 weeks. Thousands rescued; recognised as model by NCPCR.
Karnataka Niradhar Sahayog 2026 — ₹1,200/Month Destitute Pension
Niradhar Sahayog is Karnataka's social security pension for destitute, homeless, abandoned, transgender, dwarf, leprosy-affected, and severely vulnerable adults with no family support, no income, and no other government pension. Administered by WCD Department, the scheme provides ₹1,200/month direct cash transfer — covering widows below 60 with no income, abandoned wives, victims of domestic violence in shelter homes, transgender persons, dwarf persons, leprosy-affected persons, and severely disabled (40%+) not covered under IGNDPS. Integrated with Niradhar Mahila Shelter Homes, Sandhya Suraksha (senior citizens), Mythri Yojane (transgender). Apply via Sakala/Seva Sindhu portal. 1.5 lakh+ destitute Karnataka adults receive Niradhar Sahayog pension as of 2026.
Karnataka Mythri Yojane 2026 — ₹1,000/Month Pension for Transgender Persons
Mythri Yojane is Karnataka's pioneering social security scheme specifically for transgender persons — launched 2019 by WCD Department as one of India's first state-led transgender welfare schemes. Provides ₹1,000/month direct cash transfer (raised from ₹600 in 2022) to all registered transgender persons in Karnataka — irrespective of age, income, family status. Karnataka is one of few states with dedicated transgender pension. Integrated with Niradhar Sahayog, Mythri Skills training, Ashraya housing, Arogya Karnataka healthcare, ePASS education. Beneficiaries need Karnataka Transgender Identity Certificate from District Transgender Welfare Board. 25,000+ transgender persons receive Mythri pension as of 2026.
Karnataka Mukhyamantri Santwana Harish 2026 — ₹50,000 Hospitalisation Cash Aid
Mukhyamantri Santwana Harish Scheme (literally 'CM Consolation & Joy Scheme') is Karnataka's unique cash assistance programme providing ₹25,000-₹50,000 to BPL families when a family member is hospitalised for serious illness — covering incidental expenses NOT covered by Arogya Karnataka / PM-JAY (food, attendant cost, transport, post-discharge medicines, lost wages). Launched 2016, converged under Suvarna Arogya Suraksha Trust. One-time cash transfer: ₹25,000 for major surgeries, ₹50,000 for cardiac/cancer/neurosurgery/transplant. Disbursed via DBT within 7-30 days of discharge. 1+ lakh families benefited since launch.
Karnataka Building & Construction Workers Welfare Board 2026 — ₹3L Accident + Maternity + Pension for 60 Lakh Workers
Karnataka Building & Other Construction Workers (BOCW) Welfare Board provides comprehensive social security to 60 lakh+ registered construction workers in Karnataka — including masons, carpenters, electricians, plumbers, painters, labourers, and their families. Benefits: accidental death/disability ₹1–3 lakh, maternity ₹25,000 (2 deliveries), children's education ₹3,000–₹25,000/year, skill training, pension ₹2,000/month after age 60, subsidised housing, and marriage assistance ₹25,000. Workers earning under ₹30,000/month and working minimum 90 days/year in construction are eligible. Annual registration fee: ₹25 (worker) + ₹100 (renewal).
Karnataka Dr BR Ambedkar Development Corporation SC Loan 2026 — 4% Loans up to ₹20L for SC Families
Dr B R Ambedkar Development Corporation (DBADC) is Karnataka's apex body for Scheduled Caste (SC) economic empowerment. Provides concessional loans at 4% interest to Karnataka SC communities for micro-enterprises, education, housing, and agriculture. Key schemes: (1) Swavlamban Scheme — business loans ₹50,000-₹5 lakh at 4%; (2) Education Loan — professional courses ₹1-₹20 lakh at 4%; (3) Subsistence Loan — ₹10,000-₹25,000 for urgent livelihood needs; (4) Agricultural Input Loan — seeds/tools for SC farmers. Funds channelled via NSFDC (National SC Finance & Dev Corp) + Karnataka state budget. 2 lakh+ SC families annually benefited. Apply at district DBADC offices or dbadc.karnataka.gov.in.
Karnataka Mukhyamantri Jeevana Sanjeevani 2026 — Free Kidney Dialysis at 68+ Centres | sast.karnataka.gov.in
Mukhyamantri Jeevana Sanjeevani Scheme is Karnataka's flagship free dialysis programme for chronic kidney disease (CKD) patients from BPL and below-₹1.5 lakh income families. Provides free haemodialysis (3 sessions/week) at 68+ government and empanelled private dialysis centres across Karnataka — completely free including consumables, transport reimbursement ₹100/session, and Erythropoietin (EPO) injection. Over 12,000 CKD patients covered with 1,500+ dialysis sessions daily. Converged with Arogya Karnataka cashless hospitalisation. Apply through district-level SAST / Health Department.
Karnataka Minority Post-Matric Scholarship 2026 — Full Tuition + ₹1,200/Month for Muslim, Christian, Sikh, Buddhist, Jain Students
Karnataka Minorities Development Corporation Limited (KMDCL) provides post-matric scholarships to students from religious minority communities — Muslim, Christian, Sikh, Buddhist, Jain, and Parsi — studying Class 11 to PhD. Benefits include full tuition fee reimbursement + maintenance allowance ₹230-₹1,200/month (Hosteller) / ₹160-₹550/month (Day Scholar) as per central pattern. Annual family income limit: ₹2 lakh. Around 1 lakh minority students in Karnataka benefit annually. Apply on the National Scholarship Portal (scholarships.gov.in) between July and November. This is a central scheme (Ministry of Minority Affairs) implemented by KMDCL.
Karnataka Fishermen Welfare Scheme 2026 — ₹5L Accident + ₹4L Life Insurance + Motorised Boat Subsidy
Karnataka Fisheries Department runs a comprehensive welfare package for coastal and inland fishermen in Karnataka. Key benefits: (1) Group Accident Insurance — ₹5 lakh for accidental death, ₹2.5 lakh partial disability, ₹25,000 hospitalization; (2) Life Insurance under Pradhan Mantri Jeevan Jyoti Bima with state premium support; (3) Subsidy on motorised fishing boats — 50% up to ₹2 lakh; (4) Free fishing nets and equipment every 3 years; (5) Saving-cum-Relief (SCR) — ₹3,000/month cash transfer during lean season ban (June-July). Additionally, blue revolution schemes for fish culture ponds, cage culture, and deep-sea fishing vessel loans at 4%.
Karnataka State Financial Corporation (KSFC) MSME Loan 2026 — ₹10L to ₹10Cr for SME & Industry
Karnataka State Financial Corporation (KSFC) is the state's premier MSME lending institution providing term loans from ₹10 lakh to ₹10 crore at competitive interest rates (9-12%) for manufacturing, service, and trade enterprises in Karnataka. Unique features: (1) Women entrepreneurs get 1% interest rebate; (2) SC/ST entrepreneurs get additional 1% rebate; (3) Margin Money scheme — 20-25% capital subsidy for micro units under PMEGP; (4) Karnataka government technology upgradation subsidy for weaving/handloom units; (5) Energy efficiency loans at concessional rates. KSFC has 29 branch offices across Karnataka. Processing fee: 1% of loan. Sanction typically in 45-90 days.
Karnataka Handloom & Silk Weavers Welfare Scheme 2026 — Free Looms + ₹2L Insurance + Marketing Support
Karnataka Handloom Development Corporation (KHDC) and Silk Industries Corporation run comprehensive welfare and development schemes for 5 lakh+ handloom weavers and 3 lakh+ silk weavers in Karnataka — world-famous for Mysore Silk, Ilkal Sarees, Channapatna craft, and Dharwad textiles. Benefits: (1) Mahatma Gandhi Bunkar Bima Yojana — ₹2 lakh life insurance + ₹60K scholarship for weaver's children (free to BPL); (2) Free upgraded loom/equipment under CHCDS; (3) Raw silk subsidy 25%; (4) Weaver credit card (WCC) — ₹2 lakh credit at 7% for raw material; (5) Marketing support via Hank Yarn supply, exhibitions, Cauvery Emporium. Skill training under WEAVEMITRA portal.
Karnataka Sainik Welfare Scheme 2026 — Grants, Pension Top-up & Priority Jobs for Ex-Servicemen
Karnataka Rajya Sainik Board (KRSB) provides welfare assistance to ex-servicemen (ESM), war widows, and vir naris (gallantry award winners' families) in Karnataka. Key schemes: (1) State ex-gratia grant for gallantry/distinguished service awardees; (2) Financial assistance to ex-servicemen in distress — ₹10,000-₹50,000 one-time; (3) Free road transport concession in KSRTC for ESM; (4) 10% horizontal reservation in State PSUs and government jobs for ESM; (5) ECHS (Ex-servicemen Contributory Health Scheme) linkage at 5 polyclinics; (6) Sainik Rest Houses at concessional rates; (7) Children's education scholarship up to ₹12,000/year. Apply at Zila Sainik Welfare Offices (ZSWOs) in all 31 districts.
Karnataka Raitha Suraksha Yojana 2026 — ₹5L Free Accident Insurance for All Farmers
Karnataka Raitha Suraksha Yojana provides FREE group personal accident insurance cover of ₹5 lakh to all farmers registered with Karnataka Agriculture Department — covering accidental death, permanent disability, and partial disability during agricultural activities. The scheme is funded entirely by Karnataka government with no premium contribution from farmers. Coverage 24×7 — not limited to farm accidents. All landowners, cultivators, tenant farmers, and crop loan borrowers in Karnataka are eligible. Additional compensation for death due to snake bite during farming: ₹2 lakh. Claims settled through Raitha Seva Kendras and Krishi Bhavans within 30 days of documentation.
Karnataka Unorganised Workers Social Security Scheme 2026 — ₹2L Insurance + Pension for Street Vendors, Domestic Workers
Karnataka Contract Casual & Unorganised Workers (KCFC) Welfare Board provides social security to unorganised sector workers in Karnataka who are NOT covered by ESI, EPFO, or BOCW — including street vendors, domestic workers, rickshaw pullers, security guards, sanitation workers, agricultural labourers, vegetable sellers, salon workers, laundry workers, and other informal economy workers. Benefits include: ₹2 lakh accidental death insurance, ₹50,000 disability compensation, ₹5,000 hospitalization, ₹5,000 maternity, and ₹100/month pension contribution. Annual registration ₹30. Combined with PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) for street vendors.
Karnataka Housing Board (KHB) Affordable Housing 2026 — PMAY-linked Plots & Flats for EWS/LIG/MIG
Karnataka Housing Board (KHB) develops and sells affordable residential plots, flats, and houses to EWS (Economically Weaker Section), LIG (Low Income Group), and MIG (Middle Income Group) families in Karnataka urban/semi-urban areas. KHB projects across Bengaluru, Mysuru, Hubballi-Dharwad, Belagavi, Mangaluru, Kalaburagi, and Tumkuru. EWS Category: Plot/flat ₹3-8 lakh (20-30 sq.m house). LIG: ₹8-15 lakh (30-60 sq.m). MIG: ₹15-35 lakh (60-120 sq.m). Integrated with PMAY-U subsidy — EWS/LIG get ₹1.5-2.67 lakh CLA interest subsidy. Apply online at khb.karnataka.gov.in during specific scheme launches (advertised in newspapers).
Karnataka SC Post-Matric Scholarship 2026 — Full Tuition + ₹1,200/Month for Scheduled Caste Students
Karnataka State Post-Matric Scholarship for Scheduled Castes (SCs) — administered by Dr B R Ambedkar Development Corporation (DBADC) and Social Welfare Department — provides full tuition fee reimbursement + maintenance allowance ₹530-₹1,200/month (Hosteller) and ₹300-₹550/month (Day Scholar) for SC students studying Class 11 to PhD in Karnataka. Annual family income limit: ₹2.5 lakh. This is a Central Scheme (Ministry of Social Justice) implemented through Karnataka. Around 8 lakh+ SC students in Karnataka benefit annually. Apply on National Scholarship Portal (scholarships.gov.in) July-November. The scholarship covers professional courses — Engineering, Medical, Law, MBA — at full fee reimbursement.
Karnataka SDRF Farmer Compensation 2026 — ₹13,500/Acre for Drought, Flood & Hailstorm Crop Loss
Karnataka State Disaster Response Fund (SDRF) provides crop loss compensation to farmers who suffer significant crop damage (>33%) due to natural calamities — drought, flood, hailstorm, unseasonal rain, landslide. Compensation rates (2024-25): ₹13,500/acre for rainfed crop loss, ₹27,000/acre for irrigated crop, ₹22,500/acre for perennial crops. Additional: ₹8,000/acre for horticulture. Cattle/livestock loss: ₹30,000-₹3 lakh per animal. Housing damage: ₹95,100-₹5.3 lakh. Assessment done by Revenue Department through crop cutting experiments and satellite data. Compensation credited via DBT within 30-60 days of government declaration.
Karnataka Mukhyamantri Yuva Kaushalya Yojana 2026 — Free Skill Training + ₹3,000/Month Stipend for Youth
Karnataka Mukhyamantri Yuva Kaushalya Yojana provides free skill training in market-relevant trades (IT, electronics, hospitality, beauty, automotive, construction trades, retail) to unemployed youth aged 18-35 in Karnataka. Training duration: 3-6 months. Stipend during training: ₹3,000/month. On completion: NSQF-certified course certificate, placement assistance, and ₹5,000 placement bonus for those placed in jobs. Implemented through Karnataka Vocational Training & Skill Development Corporation (KVTSDC). Targets youth from BPL families, rural areas, SC/ST communities. ITIs, Polytechnics, and private training partners certified by KVTSDC provide training across all 31 districts.
Karnataka Maharshi Valmiki ST Development Corp 2026 — Housing Loans + Education + Enterprise for ST Communities
Karnataka Maharshi Valmiki Scheduled Tribes Development Corporation (MVSTDC) is the apex body for economic empowerment of Scheduled Tribe (ST) communities in Karnataka including Soliga, Jenu Kuruba, Betta Kuruba, Siddi, Hakki-Pikki, Gond, Lambani, Nayaka, and other notified STs. MVSTDC provides: (1) Housing Loan — ₹1-3 lakh at 4% for pucca house construction/repair; (2) Education Loan — professional courses ₹5-20 lakh at 4%; (3) Self-employment/Enterprise Loan — ₹1-5 lakh at 4%; (4) Agriculture Loan — seeds, equipment ₹50,000-₹1 lakh; (5) NSTFDC linkage — national tribal finance for larger loans. Apply at district MVSTDC offices.
Karnataka Journalist Welfare Fund 2026 — ₹3L Medical + ₹5L Accidental Insurance + Pension for Press Members
Karnataka Journalist Welfare Fund (KJWF) is the state's dedicated social security programme for accredited journalists and media workers in Karnataka — covering print, television, radio, and digital media. Administered by Department of Information & Public Relations (DIPR), Karnataka. Benefits include: (1) Accident insurance ₹5 lakh; (2) Medical reimbursement up to ₹3 lakh per illness; (3) Ex-gratia to family ₹2 lakh on death in service; (4) Monthly financial assistance ₹5,000 to retired/disabled journalists in distress; (5) Children's scholarship ₹10,000/year; (6) Housing priority in KHB schemes. Around 8,000+ accredited journalists registered. Apply at Karnataka DIPR (dipr.karnataka.gov.in).
Karnataka BOCW Children Education Scholarship 2026 — ₹3,000-₹25,000/Year for Construction Workers' Children
Karnataka Building & Other Construction Workers (BOCW) Welfare Board provides annual education scholarships to children of registered construction workers studying from Class 1 to PG/Professional courses — completely separate from and additional to Mukhyamantri Vidyarthi Protsahan or other scholarships. Amount: Class 1-5: ₹3,000/year, Class 6-10: ₹5,000/year, Class 11-12/ITI: ₹8,000/year, Diploma/Graduation: ₹15,000/year, PG/Engineering/Medical/Law: ₹25,000/year. Maximum 2 children per registered BOCW worker. BOCW parent must have been registered for at least 1 year. Apply online at bocwwb.karnataka.gov.in during April-November every year.
Karnataka Agricultural Workers Social Security Scheme 2026 — ₹2L Accident + ₹3,000/Month for Farm Labourers
Karnataka Agricultural Workers Social Security Scheme provides comprehensive social protection to landless agricultural labourers (farm workers) in Karnataka — distinct from farmer schemes like Raitha Suraksha. Benefits: (1) Accidental death insurance ₹2 lakh (₹4 lakh if accident in agricultural work); (2) Maternity benefit ₹10,000; (3) ₹3,000/month pension after age 60; (4) Children's education scholarship ₹5,000/year; (5) Housing assistance under PMAY-G priority list. Under the Karnataka Unorganised Workers Board, agricultural labourers pay ₹30/year registration. Combined with national PM-KISAN for landless: PM-JAY health + PMGKY food security. District Labour Officer/RSK handles registration.
Karnataka Gruha Bhagya Mission 2026 — Free Housing for Urban BPL Families
Gruha Bhagya Mission is Karnataka's urban poor housing programme — providing free pucca houses (Type A: 20 sq.m, Type B: 30 sq.m, Type C: 40+ sq.m) to BPL families living in slums and informal settlements in Karnataka urban areas including BBMP Bengaluru, Bruhat Mysuru, Dharwad-Hubballi, Belagavi, Mangaluru, Kalaburagi. Implemented through BBMP, Urban Local Bodies (ULBs), and KSCB (Karnataka Slum Clearance Board). Integrated with PMAY-Urban for central ₹1.5-2.67 lakh CLA component. State adds ₹2.5-5 lakh per unit. Beneficiaries identified through ULB survey of slum households. Allotment is in-situ (same location) or transit to developed site. 5 lakh+ units targeted under Phase 2.
🇮🏻 Central Government Schemes for Karnataka Residents
All 252 central government schemes are applicable to residents of Karnataka. 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 Karnataka residents.
About Karnataka Government Schemes
Karnataka 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 Karnataka. State-specific schemes like Gruha Jyothi Yojana provide additional benefits exclusive to Karnataka residents.