🌴 Kerala Government Schemes 2026
केरल • Capital: Thiruvananthapuram • Population: 3.5 Cr • 28+ schemes
| State | Kerala (केरल) |
| Capital | Thiruvananthapuram |
| Population | 3.5 Cr |
| Total Schemes Listed | 28+ |
| Central Schemes Available | All central government schemes apply |
🏛️ Kerala State Government Schemes
Kerala Karunya Health Protection Scheme 2026 — ₹5 Lakh Health Cover | karunya.kerala.gov.in
The Kerala Karunya Health Protection Scheme is run by the state Health & Family Welfare Department to shield poorer families from catastrophic medical bills. It gives BPL households, and APL families earning under ₹3 lakh a year, cashless treatment worth up to ₹5 lakh annually at government hospitals and empanelled private hospitals. More than 550 procedures are covered, including heart surgery, cancer chemotherapy and radiation, kidney transplant, brain and orthopedic surgery and dialysis. Eligible families are issued a Karunya/State Health Card, and once admitted at a listed hospital the bill is settled directly with the hospital under the cashless model, so the patient does not pay upfront for covered care.
Kerala Karshaka Kshemagam 2026 — ₹1,000/Month Pension for Farmers 60+ | Farmer Welfare Fund Kerala
Kerala Karshaka Kshemagam (Farmer Welfare Fund) is a state government scheme providing a monthly pension of ₹1,000 to registered farmers aged 60 years and above in Kerala. The fund also provides ₹1 lakh as accidental death benefit and ₹50,000 for permanent disability caused by farming accidents. Managed by the Agriculture Department, Kerala, farmers must be registered members of the Karshaka Kshemagam fund for a minimum contribution period.
Kudumbashree Mission Kerala 2026 — SHG Microfinance ₹5,000–₹2 Lakh Loans | kudumbashree.org
Kudumbashree is Kerala's award-winning women's SHG (Self Help Group) and poverty eradication mission. Over 45 lakh women in 3.01 lakh Neighbourhood Groups (NHGs) access microfinance loans (₹5,000–₹2 lakh), livelihood support, skill training, and collective farming. Kudumbashree manages 30,000+ micro enterprises. It is one of India's largest women empowerment programmes.
Kerala Vidyakiran Scholarship 2026 — SC/ST Post-Matric ₹1,000–₹1,100/Month | kerala.gov.in
Vidyakiran is Kerala's state scholarship for SC and ST students pursuing post-matric education (Class 11 and above). Students receive monthly maintenance allowance — ₹1,000 for day scholars and ₹1,100 for hostellers — in addition to full tuition fee reimbursement. Over 2 lakh SC/ST students in Kerala benefit annually. Apply through scholarship.itschool.gov.in.
Snehapoorvam Scholarship Kerala 2026 — Monthly Support for Orphan & Single-Parent Children | swd.kerala.gov.in
Snehapoorvam is Kerala Government's compassionate scholarship scheme providing monthly financial support to children who have lost one or both parents (orphans and semi-orphans) and are studying in Classes 1-12 or in professional/degree courses. Launched by the Social Welfare Department, Snehapoorvam provides ₹300/month for Class 1-7 students, ₹500/month for Class 8-10, ₹750/month for Class 11-12, and ₹1,000/month for degree/professional course students. The scheme ensures that the loss of a parent does not force children to drop out of school. Over 1 lakh children benefit annually across Kerala's 14 districts. Applications are processed through the Social Welfare Department via the Seithi portal.
LIFE Mission Housing Kerala 2026 — 3.5 Lakh Free Houses for Homeless | lifemission.kerala.gov.in
LIFE (Livelihood Inclusion and Financial Empowerment) Mission is Kerala's flagship housing scheme launched in 2017 to provide free houses to homeless and landless families. Target: 3.5 lakh houses over 5 years. Beneficiaries include SC/ST families, coastal communities, tribal groups, and general poor who are landless or houseless. The house area is minimum 375 sq ft with basic facilities. Construction is managed by Local Self-Government Institutions (LSGIs) — Panchayats and Municipalities. No cost to beneficiary.
കാരുണ്യ ബിനവലന്റ് ഫണ്ട് കേരളം 2026 — Kerala Govt Employees ₹3 Lakh Medical Aid | Karunya Fund
Karunya Benevolent Fund is Kerala Government's welfare scheme for state government employees, teachers, and pensioners providing financial assistance for serious medical treatment. Benefits include up to ₹3 lakh for critical illnesses (cancer, kidney failure, heart surgery, major accidents), ₹1 lakh for ordinary hospitalisation, and special assistance for palliative care. The fund is managed by the Kerala State Government Employees Association (KSGE) and Social Welfare Board. Over 5 lakh employees and pensioners benefit. Monthly contribution: ₹50 from salary — small premium for large protection.
Kerala Vidyasamunnathi Scholarship 2026 — ₹13,000-₹30,000/Year for SC Students in Top Institutions | scholarship.itschool.gov.in
Vidyasamunnathi (Educational Excellence) Scholarship is Kerala government's flagship scheme for Scheduled Caste students pursuing higher education at top institutions. Provides ₹13,000/year (Class 11-12), ₹20,000/year (UG), ₹25,000/year (PG), ₹30,000/year (professional courses like MBBS/BTech/MBA). Plus tuition fee reimbursement at empanelled institutions. Targeted at SC students from Kerala studying anywhere in India at recognised institutions. Implemented by Kerala SC Development Department. 30,000+ scholarships annually. Online application at e-District Kerala or scholarship.itschool.gov.in.
Kerala BOCW Welfare Board 2026 — ₹5 Lakh Insurance + ₹1,600/Month Pension for Construction Workers | bocwwb.kerala.gov.in
Set up under the Kerala Labour Department, the Building and Other Construction Workers Welfare Board (BOCWWB) acts as a safety net for the masons, carpenters, electricians, plumbers, painters and welders who build the state. Once a worker registers, the board opens access to a wide bundle of support: ₹5 lakh of group accident insurance, a ₹1,600/month pension after 60, a ₹1 lakh death benefit for the family, a ₹30,000 maternity benefit, education assistance of ₹3,000–₹25,000 a year for children, a housing loan subsidy of ₹1 lakh and medical assistance up to ₹50,000. The fund is financed jointly — the worker pays a ₹50 monthly contribution while employers add 1% of total construction cost — and more than 18 lakh workers are already on its rolls. Registration is done online at bocwwb.kerala.gov.in or in person at the nearest Labour Office.
Kerala Aashraya Housing Scheme 2026 — Free House with Land for Landless BPL | lsgkerala.gov.in
Aashraya (Shelter) is Kerala's Urban Basic Services scheme providing free houses with land to landless urban poor families who are homeless or living in dilapidated structures. Under Aashraya, Urban Local Bodies (ULBs — Municipalities, Municipal Corporations) construct 250-300 sq ft houses with basic amenities (toilet, water, electricity) on government-owned land or land provided by the beneficiary, at zero cost to the family. Priority given to widows, senior citizens, differently-abled, SC/ST, fishermen. Complementary to rural LIFE Mission. Apply through local Municipality / Municipal Corporation.
Kerala Fisher Welfare Board 2026 — ₹10 Lakh Insurance + ₹2,000/Month Pension for Fishermen | fisheries.kerala.gov.in
Kerala Fisher Welfare Board (Matsyathozhilali Kshemasena) provides comprehensive welfare benefits to registered sea and inland fishermen and their families in Kerala. Key benefits: ₹10 lakh accidental death at sea insurance, ₹5 lakh partial disability insurance, ₹2,000/month pension for fishermen above 60 years, ₹1 lakh marriage assistance for daughter, maternity benefit ₹5,000, education scholarship ₹3,000–₹15,000/year for children, and free fishing boat insurance. Over 10 lakh fishermen registered. Apply at fisheries.kerala.gov.in or nearest Fisheries Extension Officer.
Kerala OBC/SEBC Post-Matric Scholarship 2026 — Full Tuition + ₹1,200/Month | bcdd.kerala.gov.in
Run by Kerala's Backward Classes Development Department, this Post-Matric Scholarship helps OBC and SEBC (Socially and Educationally Backward Classes) students stay in education from Class 11 right through professional courses. Beyond reimbursing the full tuition fee at recognised institutions, the scheme adds a monthly maintenance allowance that scales with the level of study and whether the student is a day scholar or a hosteller — ₹350/month for a Class 11-12 day scholar, rising to ₹750/month for day scholars at degree level and above, ₹1,000/month for Class 11-12 hostellers, and ₹1,200/month for hostellers in degree or professional courses. The state scheme applies a family income ceiling of ₹3 lakh, and a parallel central OBC scholarship runs through the National Scholarship Portal, so eligible students often register on both bcdd.kerala.gov.in and scholarships.gov.in.
Kerala Social Security Pension 2026 — ₹1,600/Month for Elderly, Widow, Disabled | socialsecurity.kerala.gov.in
Kerala Social Security Mission provides one of India's highest state social security pension rates — ₹1,600/month — for elderly (65+), widows/widowers, and persons with disability in Kerala. Kerala state tops up the central NSAP (Indira Gandhi Pension) to ₹1,600 total per month. Pension is credited monthly via DBT directly to Aadhaar-linked bank accounts through the Social Security Mission. 42 lakh+ beneficiaries in Kerala. Apply through local Panchayat/Municipality or e-District Kerala portal. Kerala also provides pension for unmarried women above 50 (₹600/month) and for single women above 35 (₹600/month) — higher than most states.
Kerala Unorganised Workers Welfare Funds 2026 — Pension, Insurance & Benefits for 25+ Sectors | labour.kerala.gov.in
Kerala has 25+ sector-specific Welfare Fund Boards for unorganised workers — the most comprehensive in India. Each board provides pension, insurance, and welfare to workers in that sector. Key boards: Kerala Autorickshaw Workers Welfare Fund (₹1,500/month pension), Kerala Headload Workers Welfare Board (₹1,500/month pension + ₹5L insurance), Kerala Domestic Workers Welfare Board (₹1,200/month pension), Kerala Tailoring Workers Board, Kerala Barber/Beauty Workers Board, Kerala Pottery Workers Board, Kerala Toddy Workers Board (₹1,600/month pension + bonus), Kerala Cashew Workers Fund, Kerala Coir Workers Fund, and more. All provide: monthly pension, accident insurance, medical aid, children education, daughter marriage assistance. Apply sector-wise at labour.kerala.gov.in.
Arogyakeralam Health Scheme 2026 — ₹5 Lakh Cashless Health Insurance | ayushman.gov.in Kerala
Arogyakeralam is Kerala's implementation of Ayushman Bharat PM-JAY (Pradhan Mantri Jan Arogya Yojana) providing ₹5 lakh/year cashless health insurance to BPL families and Karunya card holders in Kerala. Additionally, Kerala extends PMJAY to APL families (above poverty line) at a nominal premium of ₹750/year — one of the few states to do so. 800+ NABH accredited hospitals empanelled in Kerala. Family floater — entire family covered under the same ₹5 lakh. Includes cancer treatment, dialysis, heart surgery, maternity, newborn care, and 1,929 treatment packages. Apply via Ayushman Bharat app, Common Service Centre, or nearest government hospital.
Kerala Minority Welfare Post-Matric Scholarship 2026 — Full Tuition + ₹1,200/Month | minoritywelfare.kerala.gov.in
Kerala Minority Welfare Department provides post-matric scholarships to minority community students (Muslim, Christian, Sikh, Buddhist, Jain, Parsi) studying Class 11 and above. State scheme: full tuition + ₹700-₹1,200/month maintenance. Central Ministry of Minority Affairs Pre-Matric & Post-Matric scholarships also run in parallel for Kerala minority students at scholarships.gov.in. Additionally, Kerala government gives Moulana Azad Scholarship to outstanding minority students — ₹12,000/year for Class 11-12, ₹20,000/year for degree, ₹25,000/year for PG/professional. Family income limit: ₹2.5 lakh. Apply at minoritywelfare.kerala.gov.in or scholarships.gov.in (NSP).
Kerala Krishi Bhavan Farmer Input Subsidy 2026 — 50-85% Subsidy on Seeds, Fertilizer & Irrigation | keralaagriculture.gov.in
Kerala Agriculture Department's Krishi Bhavan (village-level agricultural office) provides comprehensive input subsidies to Kerala farmers: 50-85% subsidy on quality seeds, 50% subsidy on bio-fertilizer and organic inputs (under PKVY), 50-75% subsidy on drip and sprinkler irrigation equipment, 25% subsidy on farm machinery (power tiller, transplanter), 50% subsidy on polyhouse/shade net/mulch. Additionally, Krishi Bhavan manages the Krishithottam Scheme (₹5,000 incentive for organic kitchen gardens), the Vegetable Development Scheme (free seeds kits), and Crop Insurance linkage (PMFBY at 1.5% Kharif/2% Rabi premium). Every village in Kerala has a Krishi Bhavan — the first point of contact for all agriculture schemes.
Kerala SC Pre-Matric Scholarship 2026 — ₹500-1,000/Month + Free Books Class 1-10 | scholarship.gov.in
Kerala SC Development Department provides pre-matric scholarships to SC students studying Class 1 to Class 10. Day Scholar: ₹150/month (Class 1-5), ₹350/month (Class 6-8), ₹500/month (Class 9-10). Hosteller: ₹500/month (Class 3-8), ₹700/month (Class 9-10). Plus free textbooks, uniform allowance ₹500/year, and exam fee reimbursement. Family income limit: ₹2.5 lakh. Kerala has 33 notified SC communities. Students in model residential schools (KGBV equivalent) get free boarding + education. Apply through scholarship.gov.in or SC Development Department Kerala.
Kerala ST Development Corporation Loan 2026 — 4% Interest Loan up to ₹5 Lakh for Tribal Entrepreneurs | kstdc.co.in
Kerala State Scheduled Tribes Development Corporation (KSSTDC) provides subsidised loans to ST tribal entrepreneurs for income-generating activities. Individual loans: ₹50,000 to ₹5 lakh at 4% interest per annum. Group/SHG loans: up to ₹10 lakh at 4%. Subsidy component: 25% for general enterprises, 35% for SC/ST women, 50% for agriculture/livestock. Schemes: Micro-enterprise support, Tribal artisan support, Tribal youth skill training loans. Also: free skill development under KGBV and TREAD scheme. Apply at kstdc.co.in or ITDP (Integrated Tribal Development Programme) office.
Kerala Vayomithram 2026 — Free Home Care + Medicine for Elderly (60+) | sjd.kerala.gov.in
Vayomithram (Friend of the Elderly) is Kerala's flagship elderly care scheme providing free home-based healthcare, counselling, and support services to persons aged 60 and above. Key benefits: free home visit by healthcare worker (monthly), free basic medicines, geriatric health camps, physiotherapy support, emergency helpline, old age home placement for destitute elderly, and financial aid under social security pension. Implemented by Social Justice Department Kerala. Over 40 lakh elderly covered. Also links to Mahila Samakhya and Kudumbashree volunteers for daily care. Apply at nearest Local Self Government (LSG) office.
Kerala Asraya Scheme 2026 — Comprehensive Rehabilitation Package for Destitute Families | lsgkerala.gov.in
Asraya (Shelter/Support) is Kerala's flagship scheme for the rehabilitation of destitute families — families identified as having no permanent house, no stable income, and experiencing extreme poverty. Implemented through Local Self Government (LSG) bodies with support from Kudumbashree, the scheme provides: housing (LIFE Mission/PMAY), monthly social security pension, health insurance (BSKY/Karunya), food security (ration card), children's education support, and skill training for working-age members. All 14 districts of Kerala have identified 50,000+ destitute families. The scheme is 'convergence in action' — one family, all services.
Kerala MGNREGA Job Card 2026 — 100 Days Work ₹370/Day | nrega.nic.in
Mahatma Gandhi National Rural Employment Guarantee Act guarantees 100 days of wage employment per year to every rural household in Kerala. Kerala's wage rate: ₹370/day (2025-26) — among the highest MGNREGA rates in India. Works: water conservation, land development, road repair, plantation, canal desilting. Kerala also allows 150 days in special circumstances. Kerala MGNREGA focuses heavily on plantation works and is known for high women worker participation (60%+). Convergence with LIFE Mission and Haritha Keralam (Green Kerala) works. Apply for Job Card at Gram Panchayat office.
Kerala Kudumbashree Micro-Enterprise Loan 2026 — ₹1 Lakh Interest-Free for Women SHGs | kudumbashree.org
Kudumbashree Mission provides comprehensive livelihood support to women SHGs (Neighbourhood Groups/NHGs) in Kerala. Key benefits: (1) JLG (Joint Liability Group) micro-credit: ₹50,000-1 lakh per member at 0% interest (interest subvention by government); (2) Kudumbashree micro-enterprises: ₹1-5 lakh group enterprise loans at 4% for NHG-backed enterprises; (3) Agri-enterprise: ₹50,000 for paddy/vegetable farming; (4) Catering, cleaning, daycare enterprise support. 46 lakh women members in 2.96 lakh NHGs across Kerala. Kudumbashree operates canteens, hospitals, IT services, agri-enterprises. Apply at nearest Kudumbashree CDS (Community Development Society) office.
Kerala OBC/EBC Post-Matric Scholarship 2026 — Full Tuition + ₹1,000/Month | dcescholarship.kerala.gov.in
This post-matric scholarship, administered by Kerala's Backward Classes Development Department, supports students from OBC, OEC (Other Eligible Community) and EBC (Economically Backward Class) backgrounds once they cross matriculation into Class 11, degree, PG or professional study. The award combines full tuition fee reimbursement with a monthly maintenance allowance that varies by study level and hostel status: a Class 11-12 day scholar receives ₹450/month, a degree or PG day scholar ₹800/month, a Class 11-12 hosteller ₹600/month, and a hosteller in a degree or professional course ₹1,000/month. Both the OBC/OEC and EBC routes apply a tight annual family income ceiling of ₹1 lakh. Applications are filed online through the department's dedicated portal, dcescholarship.kerala.gov.in, after which the institution verifies the claim and the money reaches the student by DBT.
Kerala KSEB Free Electricity for BPL 2026 — 50 Units/Month Free + Subsidised Rates | kseb.in
Kerala State Electricity Board (KSEB) provides free electricity to BPL (Below Poverty Line) domestic consumers under the LT-1A tariff category. BPL households consuming up to 50 units per month pay ₹0 (zero) — fully subsidised by the state government. Above 50 units: subsidised rate of ₹1.50/unit (vs ₹3.25/unit normal rate) up to 100 units. Lifeline connections (poorest households): first 30 units free + minimum charge waiver. Kerala has 40 lakh+ BPL domestic connections under KSEB. BPL card + Aadhaar linking required for subsidy continuity. Apply / update at kseb.in or nearest KSEB section office.
Kerala Aaharam Scheme 2026 — Free Cooked Meals to Destitute & Homeless | lsgkerala.gov.in
Kerala's Aaharam (Food) scheme, implemented by Local Self Government (LSG) bodies and Kudumbashree, provides free cooked meals twice a day to homeless persons, destitute individuals, migrant workers without shelter, and persons with mental illness living on streets. Kerala Community Kitchens set up by Gram Panchayats and Municipalities provide nutritious meals at no cost. Also covers: free meal for patients' attendants at government hospitals (hospital canteen subsidy), free noon meals for Anganwadi children, free mid-day meals for all government school students. As part of Hunger-Free Kerala initiative, no person in Kerala should sleep hungry. Over 10 lakh meals served monthly across Kerala.
Kerala Nirbhaya Women Safety 2026 — Free Legal Aid + Shelter + Counselling for Women in Distress | wcd.kerala.gov.in
Kerala's Nirbhaya scheme (central + state convergence) provides comprehensive support to women in distress — survivors of domestic violence, sexual assault, trafficking, and abandonment. Services: (1) One Stop Centre (OSC) in every district — medical aid, police assistance, legal aid, psycho-social counselling, shelter all under one roof; (2) Ujjawala shelter homes for trafficked women; (3) SwaDhar Greh shelter for destitute women; (4) State helpline 181 (24×7 Vanitha Helpline); (5) POCSO e-box for children. Free services — no income limit. WCD Kerala and Social Justice Dept implement jointly. 14 OSCs operational in all districts.
Kerala KSCDC SC Entrepreneur Loan 2026 — 4% Interest Loan up to ₹3 Lakh for Dalit Entrepreneurs | kscdc.net
Kerala Scheduled Castes Development Corporation (KSCDC) provides subsidised loans to SC entrepreneurs for income-generating activities and self-employment. Individual loans: ₹50,000 to ₹3 lakh at 4% interest per annum. Group/JLG loans: up to ₹5 lakh. Subsidy: 25% of project cost for general enterprises (max ₹25,000), 35% for SC women, 50% for agriculture/dairy. Schemes: Micro-enterprise (tailoring, bakery, auto repair), Agriculture & Allied, Housing repair. Also: free skill training through KSSDC. 33 SC communities in Kerala. Apply at kscdc.net or nearest District SC Development Office.
🇮🏻 Central Government Schemes for Kerala Residents
All 252 central government schemes are applicable to residents of Kerala. 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 Kerala residents.
About Kerala Government Schemes
Kerala 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 Kerala. State-specific schemes like Kerala Karunya Scheme provide additional benefits exclusive to Kerala residents.