🎨 Odisha Government Schemes 2026
ओडिशा • Capital: Bhubaneswar • Population: 4.7 Cr • 27+ schemes
| State | Odisha (ओडिशा) |
| Capital | Bhubaneswar |
| Population | 4.7 Cr |
| Total Schemes Listed | 27+ |
| Central Schemes Available | All central government schemes apply |
🏛️ Odisha State Government Schemes
Subhadra Yojana Odisha 2026 — ₹10,000/Year for Women | subhadra.odisha.gov.in
Subhadra Yojana is Odisha's BJP government flagship women empowerment scheme, inaugurated by PM Narendra Modi on September 17, 2024. It provides ₹10,000 per year to all eligible women aged 21–60 years in two instalments of ₹5,000 each — paid on Raksha Bandhan (August) and International Women's Day (March 8). The scheme covers women with NFSA or SFSS ration cards automatically; others need an income certificate showing family income below ₹2.5 lakh. Over the 5-year scheme period (2024–2029), each beneficiary receives ₹50,000 in total. Money is credited directly to Aadhaar-linked bank accounts via DBT. Over 1 crore women have registered.
KALIA ଯୋଜନା ଓଡ଼ିଶା 2026 — ₹10,000/ବର୍ଷ ଛୋଟ ଚାଷୀ
KALIA (Krushak Assistance for Livelihood and Income Augmentation) is Odisha's flagship farmer income support scheme providing ₹10,000 per year to small and marginal farmers in two instalments.
Biju Swasthya Kalyan Yojana Odisha 2026 — ₹5 Lakh (Women ₹10 Lakh) Free Health Insurance | bsky.odisha.gov.in
Biju Swasthya Kalyan Yojana (BSKY) is Odisha's flagship health insurance scheme. Women members of eligible families get ₹10 lakh annual cashless treatment; other family members get ₹5 lakh. Covers 1,000+ secondary and tertiary care packages at empanelled government and private hospitals. 96 lakh families (3.5 crore people) covered. Smart Health Card issued to all members. Apply/check at bsky.odisha.gov.in.
Mamata Scheme Odisha 2026 — ₹5,000 Maternity Benefit Working Women | wcd.odisha.gov.in
Mamata is Odisha's conditional cash transfer scheme for pregnant and lactating working women from the unorganised sector. Eligible women receive ₹5,000 in two instalments (₹2,000 during pregnancy + ₹3,000 after delivery). The scheme promotes institutional delivery, vaccination, and nutrition. Covers PESA areas and tribal regions. Implemented by Women and Child Development department.
ମୋ ଘର ଓଡ଼ିଶା 2026 — 45 ଲକ୍ଷ ଘର ₹1.30 ଲକ୍ଷ ସହାୟତା | Mo Ghara Housing Scheme Odisha
Mo Ghara (My Home) is Odisha government's flagship housing scheme providing ₹1.30 lakh financial assistance to houseless and kutcha house families not covered under PMAY. Launched in 2024 by CM Mohan Majhi, it targets 45 lakh households across Odisha — the most ambitious state housing programme in Odisha's history. Beneficiaries receive ₹1.30 lakh in 3 instalments via DBT. Priority to ST, SC, women-headed households, landless families, and persons with disabilities.
ଓଡ଼ିଶା BALARAM Crop Loan 2026 — 5.70 ଲକ୍ଷ କ୍ଷୁଦ୍ର ଚାଷୀ ₹0 ସୁଧ ଋଣ | BALARAM Odisha
BALARAM (Bank Linkage and Agri-credit Mechanism Across Rural Areas of Mission Shakti) is Odisha government's interest-free crop loan scheme for small and marginal farmers through PACS (Primary Agricultural Credit Societies). 5.70 lakh farmers get crop loans up to ₹50,000 at 0% interest — the state pays the interest subsidy. BALARAM operates through Odisha's Mission Shakti SHG network, linking women SHGs with credit for agriculture. Repayment is within 12 months.
Odisha Shramik Card (Labour Card) 2026 — Free Registration | Welfare Benefits for Construction Workers | ocws.odisha.gov.in
Odisha Shramik Card (also called Labour Card / Construction Worker Card) is issued by the Odisha Building & Other Construction Workers Welfare Board (BOCWWB) to construction workers registered under the BOCW Act 1996. The card unlocks 14+ welfare benefits including: maternity assistance (Rs 10,000), death benefit (Rs 2 lakh), accident assistance, marriage assistance for daughters (Rs 20,000), educational assistance for children (Rs 1,000–Rs 25,000/year), pension on retirement (Rs 1,000–Rs 1,500/month), funeral assistance, and free medical treatment. Over 35 lakh workers registered in Odisha. Card validity: 1 year, renewed annually with a nominal fee. Apply at ocws.odisha.gov.in or any Common Service Centre (CSC).
Odisha Mukhyamantri Krushi Udyog Yojana (MKUY) 2026 — Up to ₹50 Lakh Loan + 40% Subsidy for Agri Enterprise | apicol.co.in
Mukhyamantri Krushi Udyog Yojana (MKUY) is Odisha government's flagship agri-business and agri-enterprise loan scheme. Provides bank loans up to ₹50 lakh with 40% capital subsidy (capped at ₹20 lakh) to farmers, FPOs, entrepreneurs for: cold storage, food processing units, agri-warehouses, dairy/poultry/fishery units, agri-input shops, mushroom cultivation, vermicomposting, beekeeping, horticulture nurseries, and other agri-allied businesses. Implemented through APICOL (Agriculture Promotion & Investment Corporation of Odisha) via apicol.co.in portal. Higher subsidy (50%) for SC/ST/women applicants.
Madhu Babu Pension Yojana (MBPY) 2026 — ₹500-1,000/Month Odisha State Pension for Elderly, Widows & Disabled | ssepd.gov.in
Madhu Babu Pension Yojana (MBPY) is Odisha's flagship social security pension scheme named after the legendary Odia leader Madhu Babu (Madhusudan Das). It is an umbrella pension scheme covering: (1) Old Age pensioners (60+ years, BPL) — ₹500/month (60-79 years) and ₹700/month (80+ years); (2) Widows (40+ years, BPL) — ₹500-700/month; (3) Persons with Disability (40%+) — ₹500-700/month; (4) Unmarried women (30+ years) — ₹500/month; (5) Leprosy cured persons — ₹500/month; (6) HIV/AIDS patients — ₹500/month; (7) Primitive Tribal Groups (PTG) — ₹500/month. Total beneficiaries: over 55 lakh pensioners (one of India's largest state pension programmes). Pension is paid every month on the 15th. In 2024, Odisha enhanced MBPY amounts and expanded coverage to all 30 districts. Application through Grama Panchayat/ULB.
Odisha Mission Shakti 2026 — 70 Lakh Women in SHGs, ₹5 Lakh Loan + ₹25,000 Grant | missionshakti.odisha.gov.in
Mission Shakti is Odisha's world-renowned women empowerment programme and Self-Help Group (SHG) network — one of the largest in India. Over 70 lakh women across 7 lakh SHGs are members. Mission Shakti provides: microfinance loans ₹1 lakh to ₹5 lakh via Bank-SHG linkage, enterprise grant up to ₹25,000 (non-repayable) for income-generating activities, skill training, market linkages, and legal empowerment. Mission Shakti SHGs manage 50,000+ community shops (Mamata Canteen, school kitchens, ration distribution). Senior SHG federations get management contracts worth crores. Apply at missionshakti.odisha.gov.in or through local Gram Panchayat Mission Shakti District Programme Manager.
Odisha SC/ST/OBC Post-Matric Scholarship 2026 — Full Tuition + ₹1,200/Month | scholarships.odisha.gov.in
Run by Odisha's SC/ST Development and Backward Classes Welfare Department, this post-matric scholarship keeps SC, ST and OBC (SEBC) learners in Class 11 and beyond from dropping out for want of fees. Eligible students get their full tuition reimbursed plus a monthly maintenance allowance that scales with the course level and where the student stays: ₹380/month for a Class 11-12 day scholar, ₹820/month at degree level and above for day scholars, ₹750/month for Class 11-12 hostellers, and ₹1,200/month for hostellers in degree or professional courses. The family-income ceiling is ₹2.5 lakh for SC/ST applicants and ₹1.5 lakh for the OBC/SEBC stream. Applications are filed on scholarships.odisha.gov.in, and the verified amount lands in the student's own Aadhaar-linked account through DBT. The Centre's NSP PMS-SC/ST portal (scholarships.gov.in) runs alongside it, and roughly 10 lakh students across Odisha draw on these benefits every year.
Odisha Fishermen Welfare Scheme 2026 — ₹5 Lakh Sea Insurance + ₹2,000 Lean Season Aid | fisheries.odisha.gov.in
Odisha Fisheries Department provides welfare for registered sea and inland fishermen. Key benefits: ₹5 lakh group accident insurance at sea (central PMMSY enhanced), ₹2 lakh partial disability, lean-season ban period assistance ₹2,000/month during annual 61-day sea fishing ban (April 15 – June 14), diesel subsidy for mechanised boats, 50-60% subsidy on new fishing boats and nets under PMMSY, free life insurance (PMJJBY ₹2 lakh for fishermen), and housing under PMAY for fishermen colonies. Odisha has 470 km coastline — 9 lakh registered fishermen. Apply at fisheries.odisha.gov.in.
Gopabandhu Samajik Suraksha Yojana (GSSY) Odisha 2026 — ₹500/Month Pension for Unorganised Workers | labour.odisha.gov.in
Gopabandhu Samajik Suraksha Yojana (GSSY) is Odisha's social security scheme for unorganised sector workers. Named after freedom fighter and poet Gopabandhu Das, GSSY provides ₹500/month pension to registered unorganised workers (aged 60+), ₹1 lakh death benefit, ₹50,000 disability benefit, and funeral assistance. Additionally, GSSY provides ₹1,500 per delivery for maternity benefit (up to 2 deliveries). Covers 54 occupational categories including domestic workers, agricultural labourers, fishermen, construction workers (non-BOCWWB), street vendors, cycle/auto drivers, beedi workers, weavers. Over 25 lakh workers enrolled. Apply at labour.odisha.gov.in.
Odisha Artisan & Handicraft Support 2026 — ₹50,000 Tool Grant + Market Access | dih.odisha.gov.in
Odisha is India's leading handicraft state — home to Pattachitra painting, Dhokra metal casting, silver Tarakasi filigree (Cuttack), Sambalpuri and Bomkai handloom sarees, Konark stone carving, terracotta pottery, palm leaf etching (Talapatrachitra), and more. The Odisha government supports artisans through the Department of Handicrafts and Cottage Industries. Key benefits: ₹50,000 tool kit/equipment grant for artisans registered with state, 50% training stipend (₹150-200/day), market linkage through Utkalika state emporium, e-commerce listing on Odisha One platform and Amazon Karigar, cluster development support ₹1-5 crore, and PM Vishwakarma Yojana benefits (₹15,000 toolkit + ₹3 lakh loan at 5%). ODOP (One District One Product) incentives for Odisha artisans.
Odisha Biju Krushak Kalyan Yojana (BKKY) 2026 — Free Crop Insurance for All Farmers | agri.odisha.gov.in
Biju Krushak Kalyan Yojana (BKKY) is Odisha's flagship free crop insurance scheme where the state government pays 100% of the crop insurance premium on behalf of farmers — unlike PMFBY where farmers pay 1.5-2% premium. Under BKKY, all registered farmers in Odisha get free crop insurance for Kharif crops (paddy, maize, millets) up to ₹30,000/season compensation for crop failure/natural disaster. The state pays the full premium to insurance companies. Over 52 lakh farmers in Odisha benefit. BKKY is particularly significant for small and marginal farmers who cannot afford even the nominal PMFBY premium. Apply through agriculture department or village agriculture assistant.
Odisha Biju Pucca Ghar Yojana 2026 — Free House for Cyclone/Flood Victims & BPL | rhodisha.gov.in
Biju Pucca Ghar Yojana (BPGY) is Odisha's state housing scheme providing free pucca (RCC) houses to BPL families who lost homes in cyclones, floods, or fires, and to houseless BPL families not covered under PMAY-G. Benefit: ₹1.30 lakh per unit (state funds) for a 2-room pucca house with toilet and electricity. The scheme is named after late CM Biju Patnaik. Distinct from PMAY-G — covers residual BPL households. Beneficiaries identified by Gram Panchayat + revenue officials. Apply through Block Development Office or Gram Panchayat. 10 lakh+ houses constructed under BPGY.
Odisha MUKTA 2026 — 100 Days Urban Employment ₹288/Day for Urban Poor | rhodisha.gov.in
MUKTA (Mukhyamantri Karma Tatpara Abhiyan) is Odisha's urban employment guarantee scheme launched in 2020, providing 100 days of paid employment per year to urban poor households in Odisha's urban local bodies (ULBs). Daily wage: ₹288/day (2025-26). Works: road repair, drainage cleaning, plantation, solid waste management, park maintenance, painting of public buildings. Payment within 15 days via DBT. Urban poor — migrant workers, daily wage labourers — get priority. Scheme particularly expanded post-COVID to support returning migrants. Apply at Ward Office / ULB.
Odisha SC/ST Pre-Matric Scholarship 2026 — ₹600-1,100/Month + Full Tuition Class 1-10 | scholarship.odisha.gov.in
Odisha government provides state-funded pre-matric scholarships to SC and ST students from Class 1 to Class 10 to prevent dropout and promote education. Day Scholar: ₹100-250/month (Class 1-8), ₹350-600/month (Class 9-10). Hosteller: ₹350-700/month (Class 3-10). Full tuition and exam fees reimbursed for Class 9-10. ST students in Ashram schools get free boarding, lodging, uniform and books. Over 25 lakh SC/ST students benefit annually. Apply through scholarship.odisha.gov.in (state scholarship portal) or school principal.
Odisha Medhabruti Scholarship 2026 — ₹1,500-3,000/Month for Meritorious Students | scholarship.odisha.gov.in
Odisha Medhabruti (Merit Scholarship) is the state's merit-based scholarship for outstanding students at Class 10 and Class 12 level across all categories (General/OBC/SC/ST). Top-scoring students in Class 10 board exams get ₹1,500/month for 2 years (Class 11-12). Top Class 12 scorers get ₹3,000/month for 3-5 years (degree level). Merit list published by Board of Secondary Education (BSE) and Council of Higher Secondary Education (CHSE) Odisha. Income limit: ₹2.5 lakh. Covers all categories — not caste-restricted. Apply through scholarship.odisha.gov.in.
Odisha Madhusudan Divyang Pension 2026 — ₹500-1,000/Month + Free Aids for Disabled | ssepd.gov.in
For persons with disabilities in Odisha, the Madhusudan Divyang Sahayata Yojana — run in convergence with the Centre's NSAP and managed by the Social Security & Empowerment of Persons with Disabilities (SSEPD) Department — provides a steady monthly pension along with wider support. The pension is ₹500/month where disability is assessed at 40-79%, rising to ₹1,000/month for those certified with 80% or more disability. Beyond the cash, the scheme opens the door to free assistive devices such as wheelchairs, tricycles, hearing aids and artificial limbs under the ADIP programme, education scholarships for disabled students, and preference in state housing and employment schemes. To qualify, applicants must have a disability certificate from the CDMO or Medical Board and a family income within ₹36,000/year for rural households or ₹45,000/year for urban ones. Applications can be made on ssepd.gov.in or at the Block Development Office, and the pension reaches the beneficiary's Aadhaar-linked account by DBT.
Odisha Handloom Weaver Welfare 2026 — ₹3,000/Year + 50% Loom Subsidy for Sambalpuri Weavers | handloom.odisha.gov.in
Odisha is famous for Sambalpuri sarees, Ikat, Pasapalli, and Bomkai textiles. The Handloom, Textile & Handicraft Department supports registered handloom weavers through: ₹3,000/year input subsidy (yarn, dye), 50% subsidy on new loom/jacquard attachment, ₹2 lakh life insurance + ₹1 lakh disability cover under MGBVY (Mahatma Gandhi Bunkar Bima Yojana), health insurance through Aarogyashree/BSKY, marketing support through BOBBIL and UTKALIKA government emporiums, GI tag protection for Sambalpuri, and free design training at Weaver Service Centres. Apply at handloom.odisha.gov.in or Weavers Service Centre.
Odisha MGNREGA Job Card 2026 — 100 Days Guaranteed Work ₹237/Day | nrega.nic.in
Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) guarantees 100 days of wage employment per year to every rural household in Odisha. Current wage: ₹237/day (2025-26). Works include water conservation, land development, road construction, plantation, flood protection. Payment in 15 days via DBT. Odisha has 1.4 crore+ active MGNREGA workers — one of India's highest participation states. SC/ST households get priority. Women constitute 40%+ workers in Odisha MGNREGA. Apply for Job Card at Gram Panchayat. Under convergence with Odisha government's rural schemes.
Odisha OBC/SEBC Post-Matric Scholarship 2026 — Full Tuition + ₹900/Month | scholarship.odisha.gov.in
This post-matric scholarship, administered by Odisha's OBC & SEBC Development Department, is aimed squarely at students from Socially and Educationally Backward Classes who have crossed matriculation and enrolled in Class 11 or any higher course. Beyond reimbursing the full tuition fee, it pays a monthly maintenance allowance pegged to the course stage and whether the student is a day scholar or a hosteller: ₹400/month for a Class 11-12 day scholar, ₹700/month for a day scholar in degree or PG study, ₹600/month for a Class 11-12 hosteller, and ₹900/month for a hosteller in a degree or professional programme. The annual family-income ceiling for this OBC/SEBC stream is ₹1 lakh, lower than the SC/ST threshold, so an accurate income certificate matters. Applications go through scholarship.odisha.gov.in and the approved amount is credited to the student's Aadhaar-linked account by DBT, with more than 5 lakh OBC/SEBC students drawing on the scheme each year.
Odisha Samrudhi Women SHG Scheme 2026 — ₹1 Lakh Seed Capital + ₹3 Lakh Loan for SHGs | wcd.odisha.gov.in
Samrudhi (Prosperity) is Odisha government's flagship scheme under Mission Shakti to empower women Self-Help Groups (SHGs). Benefits: ₹1 lakh interest-free seed capital to new SHGs for income-generating activities, ₹3 lakh bank linkage loan at 0% interest (government pays interest), revolving fund ₹15,000 per SHG, skill training, and market linkage through government fairs. Mission Shakti has formed 70 lakh+ women SHGs in Odisha — one of India's largest SHG networks. Samrudhi extends benefits to SHGs performing well under Mission Shakti grading. Apply through Block Mission Shakti Cell.
Odisha Aahaar Scheme 2026 — Full Meal at ₹5 for Urban Poor Workers | food.odisha.gov.in
Odisha's Aahaar scheme provides cooked nutritious meals (rice, dal, vegetables) at just ₹5 per plate to daily wage workers, construction workers, migrant labourers, and urban poor at Aahaar centres set up in cities and towns. Launched in 2015, Aahaar has 1,200+ centres across Odisha cities — near railway stations, bus stands, market areas, construction sites. Each meal has 700+ calories. Government subsidises ₹20-25 per plate — beneficiary pays only ₹5. Over 4 lakh meals served daily. No identity card required — anyone can eat. CSR and NGO partnership model.
Odisha Minority Pre & Post-Matric Scholarship 2026 — ₹5,000-12,000/Year for Muslim/Christian/Sikh/Buddhist Students | scholarship.odisha.gov.in
Odisha provides pre-matric and post-matric scholarships to students from minority communities (Muslim, Christian, Sikh, Buddhist, Jain, Zoroastrian) funded by both central (National Minority Development Finance Corporation) and state governments. Pre-matric: ₹5,000-7,000/year (day scholar/hosteller) for Class 1-10. Post-matric: ₹7,000-12,000/year for Class 11 and above. Income limit: ₹1 lakh (pre-matric) / ₹2 lakh (post-matric). Apply through central Minority Affairs portal or scholarship.odisha.gov.in. Minority certificate required.
Odisha Mo School Abhiyan 2026 — Community-Funded School Improvement for Alumni | moschool.odisha.gov.in
Mo School Abhiyan (My School Campaign) is Odisha government's innovative community-participation scheme launched in 2017, allowing alumni and well-wishers to contribute to improvement of government schools in their home districts. Alumni register on moschool.odisha.gov.in, pledge contributions, and track how funds improve their school — new classrooms, labs, libraries, sports facilities, toilets, drinking water, smart classrooms. Government matches 10-25% on top of alumni contribution (alumni get 80G tax exemption). Over ₹200 crore raised by 2.5 lakh+ alumni contributors. 5,000+ schools improved. Also benefits current students through improved infrastructure.
🇮🏻 Central Government Schemes for Odisha Residents
All 252 central government schemes are applicable to residents of Odisha. 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 Odisha residents.
About Odisha Government Schemes
Odisha 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 Odisha. State-specific schemes like Subhadra Yojana Odisha provide additional benefits exclusive to Odisha residents.