🐯 West Bengal Government Schemes 2026
पश्चिम बंगाल • Capital: Kolkata • Population: 10.1 Cr • 35+ schemes
| State | West Bengal (पश्चिम बंगाल) |
| Capital | Kolkata |
| Population | 10.1 Cr |
| Total Schemes Listed | 35+ |
| Central Schemes Available | All central government schemes apply |
🏛️ West Bengal State Government Schemes
লক্ষ্মীর ভাণ্ডার যোজনা 2026 — ₹1,500/মাস West Bengal Women Scheme
Lakshmir Bhandar is West Bengal government's flagship women welfare scheme providing monthly financial assistance of ₹1,500 to General/OBC women and ₹1,700 to SC/ST women aged 25–60 years. Amount is transferred via DBT directly to Aadhaar-linked bank accounts.
স্বাস্থ্য সাথী প্রকল্প 2026 — ₹5 লাখ বিনামূল্যে স্বাস্থ্য বিমা West Bengal
Swasthya Sathi is West Bengal government's flagship health assurance scheme, run by the state Health & Family Welfare Department, that gives every family a smart card worth ₹5 lakh of cashless treatment per year at empanelled government and private hospitals. Unlike most insurance products, there is no income test and no premium for the household — the entire cost is borne by the state, and the card is issued in the name of the senior-most woman of the family. Coverage extends to more than 500 medical and surgical packages, including cardiac care, cancer, dialysis and ICU stays, with no cap on family size. Hospitals settle bills directly with the scheme, so patients pay nothing at the counter. More than 10 crore residents are covered.
কন্যাশ্রী প্রকল্প 2026 — K1 ₹1,000/বছর + K2 ₹25,000 West Bengal Girls
Kanyashree Prakalpa is West Bengal government's award-winning girl child welfare scheme providing K1 annual scholarship of ₹1,000 to girls aged 13–18 in Classes 8–12, and K2 one-time grant of ₹25,000 to unmarried girls aged 18+ continuing education. The scheme has won the UN Public Service Award.
কৃষক বন্ধু প্রকল্প পশ্চিমবঙ্গ 2026 — ₹10,000/বছর কৃষকদের + ₹2 লাখ বীমা | krishakbandhu.net
Krishak Bandhu (Farmers' Friend) is West Bengal's farmer income support scheme providing ₹10,000 per year per acre (up to 2 acres = ₹20,000 max) directly to farmer bank accounts in 2 instalments — Kharif and Rabi. Additionally, the scheme provides ₹2 lakh death coverage for registered farmers (₹2.50 lakh if accidental). Over 79 lakh farmers in WB benefit.
রূপশ্রী প্রকল্প পশ্চিমবঙ্গ 2026 — বিবাহে ₹25,000 মহিলাদের | wb.gov.in
Rupashree Prakalpa is West Bengal government's one-time financial assistance scheme of ₹25,000 for adult girls (18+) from economically weaker families at the time of marriage. The amount is paid directly to the girl's bank account before marriage. Annual family income must be below ₹1.5 lakh. Over 7 lakh girls have benefited since launch.
Duare Sarkar West Bengal 2026 — Camp-Based Scheme Enrollment at Your Doorstep | wb.gov.in
Duare Sarkar (Government at your Doorstep) is West Bengal's unique government service delivery programme launched by Chief Minister Mamata Banerjee in 2020. Under this programme, government camps are set up in every Gram Panchayat and Municipality ward, bringing 18+ government schemes to the people's doorstep — including Lakshmir Bhandar, Health Saathi, Krishak Bandhu, Rupashree, Kanyashree, student credit card, and more. Over 1.7 crore people enrolled in a single round.
Bina Mulya Samajik Suraksha Yojana West Bengal 2026 — Free Social Security Insurance | wb.gov.in
Bina Mulya Samajik Suraksha Yojana (BMSSY) is West Bengal's flagship social security insurance scheme launched by Chief Minister Mamata Banerjee. Under this scheme, unorganised sector workers — including agricultural labourers, construction workers, bidi workers, beedi rollers, transport workers, and domestic workers — receive free group insurance covering natural death (₹2 lakh), accidental death (₹5 lakh), permanent disability (₹5 lakh), and partial disability (₹2.5 lakh). The annual premium of ₹500 per member is paid entirely by the State Government — hence 'Bina Mulya' (without cost). Over 1.29 crore workers enrolled as of 2025.
Banglar Yuva Sathi Scheme West Bengal 2026 — ₹1,500/Month for Unemployed Educated Youth | wbyuvasathi.wb.gov.in
Banglar Yuva Sathi is West Bengal Government's unemployment allowance scheme providing ₹1,500 per month to educated unemployed youth aged 21-40 years who hold at least a graduation degree and are registered at the Employment Exchange. The scheme targets youth who are actively seeking employment but have not been able to find a job, offering financial support for up to 2 years (24 months). West Bengal has over 40 lakh educated unemployed youth — the scheme aims to register and support at least 10 lakh in Phase 1. Amount is transferred directly to the beneficiary's Aadhaar-linked bank account via DBT.
West Bengal Student Credit Card Scheme 2026 — Rs 10 Lakh at 4% for Higher Education | wbscc.wb.gov.in
West Bengal Student Credit Card Scheme, launched in June 2021, provides education loans up to Rs 10 lakh at just 4% annual interest to students pursuing higher education (Class 10 onwards). No collateral, no guarantor, no income limit. The state government acts as guarantor. Students can use the loan for tuition, hostel, books, laptop, and other education expenses. Over 1 lakh loans sanctioned since launch. Apply online at wbscc.wb.gov.in or through Duare Sarkar camps.
WB আইক্যাশ্রী বৃত্তি 2026 — 15 লক্ষ সংখ্যালঘু ছাত্রছাত্রীকে ₹1,000-12,000 | Aikyashree Scholarship West Bengal
West Bengal Aikyashree Scholarship is the state's pre-matric and post-matric scholarship programme for minority community students (Muslim, Christian, Sikh, Buddhist, Jain, Zoroastrian) studying in Classes 1-12 and higher education. Launched in 2015 under the Mamata Banerjee government, over 15 lakh minority students receive scholarships annually. Benefits: Pre-matric (Class 1-10) Rs 1,100 to Rs 5,000/year; Post-matric (Class 11+ / graduation) Rs 5,000 to Rs 12,000/year. Amount directly credited to student's Aadhaar-linked bank account via DBT. Apply at scholarshipwb.net.
Banglar Bari / বাংলার বাড়ি WB 2026 — শহুরে গরিবদের জন্য Free Housing | West Bengal Urban Housing
Banglar Bari (Bengal Home) is West Bengal's urban affordable housing scheme for the urban poor, slum dwellers, and economically weaker sections who are not covered under PMAY-Urban. The scheme is implemented through Housing Infrastructure Development Corporation (HIDCO) and Municipal Corporations. Beneficiaries receive a fully constructed housing unit in apartment complexes. The scheme is convergent with PMAY-Urban central funding. Target: 1.5 lakh urban poor families in Kolkata and other municipal areas. Priority to BPL, women-headed households, and SC/ST.
সবুজ সাথী প্রকল্প পশ্চিমবঙ্গ 2026 — Students Get Free Bicycle | Sabooj Sathi WB
Sabooj Sathi (Green Companion) is West Bengal government's flagship scheme providing free bicycles to all students of Classes 9–12 studying in government schools, aided schools, and madrasas across West Bengal. Launched in 2015 by CM Mamata Banerjee, it is one of the world's largest bicycle distribution programmes — over 1.20 crore bicycles distributed to date. The scheme dramatically improves school attendance, particularly for girl students in rural areas who may have to travel several kilometres to reach the nearest secondary school. Students need not apply separately — bicycles are distributed directly through schools. All classes 9–12 students, both boys and girls, are eligible regardless of income or caste.
Yuvashree Arpan Scheme West Bengal 2026 — ₹1,500/Month for Unemployed Youth | Employment Exchange WB
Yuvashree Arpan is West Bengal government's unemployment allowance scheme providing ₹1,500 per month to unemployed educated youth aged 18–45 who are registered with the West Bengal Employment Exchange. The scheme targets youth who have appeared in state government job selection tests but are yet to be employed. Launched as an extension of the original Yuvashree scheme, Yuvashree Arpan specifically covers candidates who have participated in competitive exams including State Level Selection Test (SLST), SSC, and other WB government recruitment tests. The monthly allowance continues until the candidate finds employment or reaches the age limit.
WB Yuvasree Scheme & Employment Bank 2026 — ₹1,500/Month Unemployment Allowance | employmentbankwb.gov.in
West Bengal Yuvasree Scheme provides a monthly unemployment allowance of ₹1,500 to educated unemployed youth registered on the West Bengal Employment Bank Portal (employmentbankwb.gov.in). The scheme targets unemployed graduates and post-graduates aged 18–45, helping them sustain themselves while they search for jobs or undergo skill training. The Employment Bank Portal is West Bengal's central job placement system — it currently has 25+ lakh registered job seekers and 1+ lakh employer registrations. Yuvasree allowance is provided to selected beneficiaries based on annual quota and selection criteria, primarily targeting first-time job seekers from economically weaker sections. The selected youth also get priority access to skill development programmes and job fairs.
Jai Bangla Pension (Manabik / Jai Johar) 2026 — ₹1,000/Month for Disabled & Scheduled Tribe in West Bengal | socialsecurity.wb.gov.in
Jai Bangla is West Bengal's umbrella social security pension programme covering multiple vulnerable categories. Key sub-schemes: (1) Manabik (for Persons with Disability 60%+): ₹1,000/month pension — one of the highest disability pensions in India; (2) Jai Johar (for SC and Scheduled Tribes): ₹1,000/month pension for elderly (60+) SC/ST individuals; (3) Taposili Bandhu (SC pension); (4) Jai Bangla Old Age Pension (merged with NSAP — ₹1,000/month for 60+ BPL). West Bengal provides ₹1,000/month — significantly above the central NSAP contribution of ₹200-500/month. Total beneficiaries across Jai Bangla umbrella: over 1 crore. Distribution through Duare Sarkar camps and bank accounts. Application at Gram Panchayat / BDO / Municipality. Mamata Banerjee government's flagship social security initiative.
West Bengal BOCW Welfare Board 2026 — ₹4 Lakh Insurance + Pension for Construction Workers | bocwwb.wb.gov.in
Masons, carpenters, electricians and other site workers across West Bengal rely on the Building and Other Construction Workers Welfare Board (BOCWWB), run by the state Labour Department, to turn unstable daily-wage work into a social-security net. Once a worker registers, the board offers ₹4 lakh accidental death insurance, ₹2 lakh for natural death, a ₹1,000/month pension from age 60, a ₹3,000 maternity benefit, children's education aid of ₹3,000-15,000/year, housing loan assistance up to ₹1 lakh, ₹2,000 tool-kit support and ₹5,000 funeral assistance. The cess fund is built from employers contributing 1% of construction cost, while the worker pays only ₹25. More than 35 lakh workers are already enrolled, and registration runs through bocwwb.wb.gov.in or any local Labour Office.
West Bengal SC/ST Post-Matric Scholarship 2026 — Full Tuition + ₹1,200/Month | scholarshipwb.net
West Bengal SC/ST Post-Matric Scholarship provides full tuition fee reimbursement and monthly maintenance allowance to SC and ST students studying in Class 11 and above in West Bengal. Maintenance allowance: ₹350/month (Day Scholar Class 11-12), ₹750/month (Day Scholar Degree+), ₹1,000/month (Hosteller Class 11-12), ₹1,200/month (Hosteller Degree/Professional). Family income limit: ₹2.5 lakh. Apply at scholarshipwb.net portal (SC/ST/OBC welfare) or NSP scholarships.gov.in for the central PMS-SC scheme. Over 5 lakh SC/ST students in WB benefit annually.
Gatidhara Scheme West Bengal 2026 — ₹5 Lakh Loan at 4% for SC/ST Entrepreneurs | wbscstfinance.org
Gatidhara (Momentum) is West Bengal's self-employment and entrepreneurship loan scheme for Scheduled Castes and Scheduled Tribes. The West Bengal SC/ST Finance and Development Corporation provides term loans up to ₹5 lakh at 4% interest (against market rate of 12-16%) to SC/ST entrepreneurs for small business — shop, vehicle, handicrafts, food processing, repair workshop, beauty salon, agro-processing. Additionally, Gatidhara provides ₹50,000 as seed grant (non-repayable) for micro enterprises. Training linked — beneficiaries get skill training before loan. Apply at wbscstfinance.org or nearest SC/ST Finance office.
West Bengal Fishermen Welfare Scheme 2026 — ₹5 Lakh Insurance + Pension for WB Fishermen | fisheries.wb.gov.in
West Bengal Fisheries Department provides welfare schemes for registered marine and inland fishermen. Under the West Bengal Fishermen Welfare and Development scheme: ₹5 lakh group accidental insurance at sea, ₹1 lakh partial disability, subsistence allowance ₹1,500/month during lean fishing months (June-July ban period), diesel subsidy 50 paise/litre for mechanised boats, ice and cold storage subsidy, and one-time assistance for boat engine repair ₹15,000. Additionally, the central PMMSY (Pradhan Mantri Matsya Sampada Yojana) provides additional support to WB fishermen — 60% government subsidy on boats, nets, and cold storage for SC/ST/women fishers. Apply at fisheries.wb.gov.in or nearest Fisheries Extension Officer.
Sikhsha Shree Scholarship West Bengal 2026 — ₹800/Year for SC/ST Primary Students | scholarshipwb.net
Sikhsha Shree (Educational Honour) is West Bengal government's pre-matric scholarship for SC and ST students studying in Classes 5-8 in West Bengal government and government-aided schools. Amount: ₹800/year as annual maintenance allowance directly credited to student's bank account. Over 35 lakh SC/ST students in WB benefit annually from Sikhsha Shree and its complementary central scheme (NSP Pre-Matric scholarship for SC — ₹150-200/month). The scheme aims to prevent SC/ST student drop-out at the primary-to-middle school transition. Applications processed by school headmaster through scholarshipwb.net portal. No direct individual application needed — schools register eligible students.
WB Nischay SHG Loan Scheme 2026 — ₹2 Lakh Group Loan for Women SHGs | wbfdc.net
Nischay (Certainty) is West Bengal's Self-Help Group (SHG) credit linkage scheme under the West Bengal Finance & Development Corporation. Women SHG members get access to ₹2 lakh group loans at 7% interest (below market rate) for livelihood income-generating activities — handicraft, food processing, tailoring, poultry, fish farming, horticulture, petty trade. Banks (SBI, UCO, UBI, Bandhan Bank) lend to SHGs under WB government guarantee. Additionally, NABARD's WB SHG-Bank Linkage provides up to ₹10 lakh for mature SHGs. SRLM (State Rural Livelihood Mission) in West Bengal, branded as Anandadhara, manages SHG formation and bank linkage in rural WB.
WB SVMCM Scholarship 2026 — Swami Vivekananda Merit-Cum-Means ₹1,000–₹5,000/Month
West Bengal Swami Vivekananda Merit-Cum-Means Scholarship (SVMCM) provides ₹1,000–₹5,000/month to meritorious students from economically weaker sections studying Class 11 to PhD in West Bengal, irrespective of caste or religion.
WB Manabik Scheme 2026 — ₹1,000/Month Disability Pension for Persons with Disability
For a person living with disability in West Bengal, a predictable monthly income can mean the difference between dependence and dignity. The Manabik scheme answers that need by paying ₹1,000 every month to residents certified with 40% or more disability. Administered by the state's social-security machinery and dovetailed with the central IGNDPS, the pension reaches beneficiaries as a single combined credit straight into an Aadhaar-linked bank account through DBT, removing middlemen and cash queues. Applicants apply via socialsecurity.wb.gov.in or at their local block or municipality office once a government medical board has issued the disability certificate. The scheme targets adults aged 18 and above whose annual family income stays below ₹1 lakh and who are not already drawing another government pension.
WB Tapasi Prakalpa 2026 — ₹10,000/Year Award for SC/ST Girl Students Passing Class 10
West Bengal Tapasi Prakalpa scheme provides ₹10,000 one-time financial award to SC and ST girl students who pass the Class 10 (Madhyamik) examination from West Bengal Board, to encourage higher education and reduce dropout rates.
WB Karma Sathi Prakalpa 2026 — ₹2 Lakh Self-Employment Loan at 0% Interest for Youth
West Bengal Karma Sathi Prakalpa provides interest-free loans up to ₹2 lakh to unemployed youth (18–45 years) for starting micro-enterprises and self-employment ventures, with repayment over 5 years.
WB OBC Scholarship 2026 — Post-Matric Financial Assistance for OBC-A and OBC-B Students
Higher study should not stall because a backward-class family cannot meet tuition and hostel costs — that is the gap West Bengal's OBC post-matric scholarship fills. Open to students from the OBC-A and OBC-B communities studying anywhere from Class 11 up to PhD in state government or government-aided institutions, the scheme reimburses the full tuition fee and adds a monthly maintenance allowance of ₹500-₹1,200 depending on the course and stay. Applications and renewals are handled entirely through the OASIS (Online Application for Scholarships and Incentive Scheme) portal, where students upload their caste, income and bonafide certificates for verification. The two categories carry different income ceilings: OBC-A applicants must have family income below ₹2.5 lakh, while OBC-B applicants must stay below ₹1.5 lakh a year.
WB Taruner Swapno Scheme 2026 — ₹1 Lakh Subsidy on Two-Wheeler for Youth Self-Employment
West Bengal Taruner Swapno (Youth's Dream) scheme provides up to ₹1 lakh subsidy or 25% of vehicle cost (whichever is lower) on purchase of motorcycles and scooters to unemployed youth for self-employment as delivery agents, food delivery, or transport.
WB Aamar Bari Aamar Gram 2026 — Rural Connectivity & Housing Support for Remote Villages
West Bengal Aamar Bari Aamar Gram (My Home My Village) scheme provides rural infrastructure support including road connectivity, drinking water, electricity, and housing to remote gram panchayat villages in West Bengal.
WB Nabanna Scholarship 2026 — ₹5,000–₹10,000/Year for Children of Tea Garden Workers
West Bengal Nabanna Scholarship provides ₹5,000–₹10,000 per year to meritorious children of tea garden and unorganised sector workers in West Bengal studying from Class 5 to Class 12, with priority for North Bengal tea district students.
West Bengal MGNREGA Job Card 2026 — 100 Days Guaranteed Work ₹237/Day
Mahatma Gandhi NREGA in West Bengal guarantees 100 days of wage employment per year to rural households at ₹237/day, registered through Gram Panchayat, with additional state top-up in some districts.
WB Jai Johar Scheme 2026 — Tribal Community Development & Welfare Support
West Bengal Jai Johar scheme provides comprehensive welfare support to Scheduled Tribe communities including housing, education scholarships, health support, skill development, and livelihood assistance through the Tribal Development Department.
WB Pre-Matric Scholarship SC/ST 2026 — ₹150–₹750/Month for Class 9–10 SC/ST Students
West Bengal provides pre-matric scholarships to SC and ST students in Class 9 and 10 with ₹150/month (day scholars) to ₹750/month (hostellers) for maintenance, plus full tuition fee waiver through the OASIS portal.
WB Weavers & Handloom Artisan Scheme 2026 — Free Equipment + ₹2 Lakh Loan for Weavers
West Bengal provides comprehensive support to handloom weavers and artisans including free loom/equipment, ₹2 lakh credit linkage through WB WBHDC (Handloom Development Corporation), skill upgradation, design support, and marketing assistance.
WB Lok Prasar Scheme 2026 — Backward Community Education & Livelihood Support
West Bengal Lok Prasar Prakalpa provides comprehensive welfare support to notified backward communities (excluding SC/ST) — including education scholarships, vocational training, self-employment loans, and health coverage through the BC Welfare Department.
WB BOCW Maternity & Child Welfare Scheme 2026 — ₹20,000 Maternity + Child Benefits
Women on West Bengal's construction sites rarely get paid maternity leave, so the BOCW (Building and Other Construction Workers) Welfare Board steps in with a dedicated maternity and child-welfare package layered on top of its usual accident and pension cover. A registered woman worker receives a ₹20,000 maternity benefit, a ₹5,000 child-care grant and a continuing education scholarship for her children, helping her step away from site work around childbirth without losing income. Because these benefits attach to BOCW membership, the woman must have been registered with the board for at least a year before claiming, and the maternity benefit applies only where ESIC is not already covering her. Claims and registration are processed through wbbocw.gov.in or the district BOCW office.
🇮🏻 Central Government Schemes for West Bengal Residents
All 252 central government schemes are applicable to residents of West Bengal. 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 West Bengal residents.
About West Bengal Government Schemes
West Bengal 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 West Bengal. State-specific schemes like Lakshmir Bhandar provide additional benefits exclusive to West Bengal residents.