🌊 Puducherry Government Schemes 2026
पुदुच्चेरी • Capital: Puducherry • Population: 16 Lakh • 9+ schemes
| State | Puducherry (पुदुच्चेरी) |
| Capital | Puducherry |
| Population | 16 Lakh |
| Total Schemes Listed | 9+ |
| Central Schemes Available | All central government schemes apply |
🏛️ Puducherry State Government Schemes
Puducherry CM's Comprehensive Health Insurance Scheme 2026 — ₹5 Lakh Cashless Health Cover | py.gov.in
The Puducherry Chief Minister's Comprehensive Health Insurance Scheme provides cashless health insurance coverage up to ₹5 lakh per year to BPL (Below Poverty Line) families in Puducherry for treatment at government and empanelled private hospitals. The scheme covers major surgeries, cancer treatment, heart surgery, kidney dialysis, organ transplants, and 1,000+ medical procedures. BPL family members receive a health card for cashless treatment.
Puducherry Kalaignar Anna Marumalarchi Scheme 2026 — Free Essential Commodities for BPL Families | PDS Puducherry
The Puducherry Kalaignar Anna Marumalarchi Scheme provides free essential food commodities — including rice, dal (lentils), sugar, edible oil, and other items — through the Public Distribution System (PDS) to BPL (Below Poverty Line) and NFSA-covered families in Puducherry. Under the scheme, eligible BPL families receive subsidised/free ration at fair price shops every month. The scheme is an extension of state welfare efforts on top of the central Pradhan Mantri Garib Kalyan Anna Yojana (PMGKAY) which provides 5 kg free rice/wheat per person per month.
Puducherry Old Age / Widow / Disability Pension 2026 — ₹2,000/Month | socialsecurity.py.gov.in
Old age, the loss of a spouse, or a serious disability can leave a household without a steady income — and that is precisely the gap this Puducherry programme fills. Administered by the Social Welfare Department, it pays a flat ₹2,000 every month under three streams: an Old Age Pension for senior citizens aged 60 and above, a Widow Pension for widows, and a Disability Pension for persons certified with 40% or more disability. The money is credited straight into the beneficiary's Aadhaar-linked bank account through DBT, so there is no middleman or office queue at payout time. The scheme runs across all four regions of the UT — Puducherry, Karaikal, Mahe and Yanam — and is meant for low-income residents, with annual income required to be below ₹75,000. Roughly 80,000 pensioners are supported at any time.
Puducherry CM's Uzhavar Urimai Farmer Assistance Scheme 2026 — ₹6,000/Year Direct Benefit to Farmers | agri.py.gov.in
The Puducherry Chief Minister's Uzhavar Urimai Farmer Assistance Scheme provides ₹6,000 per year as direct financial benefit to small and marginal farmers in Puducherry UT in three equal instalments of ₹2,000 each. The scheme supplements the central PM-KISAN (₹6,000/year) giving eligible farmers a combined ₹12,000/year support. Benefit is transferred directly to the farmer's Aadhaar-linked bank account via DBT. Farmers in all four regions — Puducherry, Karaikal, Mahe, and Yanam — are eligible.
Puducherry Free Laptop Scheme 2026 — Free Laptop for Class 12 Government School Students | py.gov.in
The Puducherry government distributes free laptops to students who pass Class 12 examinations from government and government-aided schools in Puducherry UT. The scheme aims to bridge the digital divide and help students from low-income families access higher education and online resources. Students securing first-class (60%+) in PBSE (Puducherry Board of Secondary Education) Class 12 exams are prioritised. BPL and EWS families get additional priority. The scheme covers all four regions of Puducherry.
Puducherry Post-Matric Scholarship for SC/ST Students 2026 — Full Tuition + ₹1,000/Month | scholarships.gov.in
The Puducherry Post-Matric Scholarship for Scheduled Caste and Scheduled Tribe students provides full tuition fee reimbursement and monthly maintenance allowance of ₹500–₹1,000 to SC/ST students domiciled in Puducherry UT pursuing Class 11 to PhD level education. Applied through the National Scholarships Portal (scholarships.gov.in). Implemented by the Social Welfare Department, Government of Puducherry. Amount is transferred via DBT directly to Aadhaar-linked bank accounts. Approximately 10,000 students benefit annually.
Puducherry Post-Matric Scholarship for OBC Students 2026 — Full Tuition + ₹600/Month | scholarships.gov.in
For OBC students in Puducherry who clear Class 10 and continue studying, the cost of fees, books and hostel often becomes the real barrier — not ability. This Post-Matric Scholarship answers exactly that. Run by Puducherry's Social Welfare Department as a centrally-sponsored scheme, it reimburses the full tuition fee and adds a monthly maintenance allowance of ₹400–₹600 for OBC learners domiciled in the UT, from Class 11 right up to post-graduation. Applications are filed once a year on the National Scholarships Portal, where the institution and department verify the claim before money moves. Approved amounts reach the student through DBT into an Aadhaar-linked account. Eligibility is means-tested: the family's annual income must stay below ₹1 lakh, keeping the help focused on households that need it most.
Puducherry Women SHG Revolving Fund & Loan Scheme 2026 — ₹15,000 Seed Fund + 0% Interest Loan | py.gov.in
The Puducherry Women Self-Help Group (SHG) Revolving Fund and Loan Scheme provides a seed revolving fund of ₹15,000 per SHG and loans of ₹1–₹5 lakh at 0% interest to registered women SHGs in Puducherry UT. Implemented by the Women & Child Development Department. SHGs can avail the revolving fund after six months of regular savings. Additional bank-linked loans under the DAY-NRLM/SRLM framework are available at subsidised rates. Over 5,000 women SHGs in Puducherry benefit from this scheme.
Puducherry Chief Minister's BPL Housing Scheme 2026 — Free Pucca House for BPL Families | housing.py.gov.in
The Puducherry Chief Minister's BPL Housing Scheme provides free pucca house construction assistance of ₹1.2–₹1.5 lakh to Below Poverty Line (BPL) families in Puducherry UT who do not own a pucca house. Implemented by the Housing Department, Government of Puducherry, converging with PMAY-G for rural beneficiaries. The grant is released in three instalments directly to the beneficiary's Aadhaar-linked bank account via DBT, with each instalment tied to construction progress. SC/ST families, women-headed households, and differently-abled persons get priority.
🇮🏻 Central Government Schemes for Puducherry Residents
All 252 central government schemes are applicable to residents of Puducherry. 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 Puducherry residents.
About Puducherry Government Schemes
Puducherry 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 Puducherry. State-specific schemes like Puducherry CM Health Insurance provide additional benefits exclusive to Puducherry residents.