Government schemes
Central and state schemes in plain words, with the official link to apply. Pick your state to see what reaches you.
99 schemes
- Ayushman Bharat Pradhan Mantri Jan Arogya YojanaCentralFree, cashless hospital treatment of up to ₹5 lakh a year per family for poor and vulnerable families, and for every person aged 70 or above through the Ayushman Vay Vandana card.All of IndiaHealth · Social welfare
- Pradhan Mantri Kisan Samman NidhiCentralIncome support for farmer families who own cultivable land: ₹6,000 a year paid straight into their Aadhaar-seeded bank accounts to help with farm inputs and household needs.All of IndiaFarming
- Pradhan Mantri Awaas Yojana - GraminCentralPays eligible rural families to build a permanent (pucca) house of at least 25 square metres with a cooking area, for households that are homeless or live in kutcha or dilapidated houses.All of IndiaHousing · Social welfare
- Pradhan Mantri Awas Yojana - Urban 2.0CentralHelps urban poor and middle-class families who own no pucca house to build, buy or rent an affordable home, through grants of up to ₹2.5 lakh per house, home-loan interest subsidy and rental housing.All of IndiaHousing
- Pradhan Mantri Garib Kalyan Anna YojanaCentralFree rice, wheat or coarse grains every month for families with a National Food Security Act ration card (Antyodaya and priority households), collected from any fair price shop in the country.All of IndiaFood & rations
- PM Surya Ghar: Muft Bijli YojanaCentralSubsidy and cheap loans for households to put solar panels on their roof, cutting or ending their electricity bills and letting them sell surplus power to the electricity company.All of IndiaPower & gas · Housing
- Pradhan Mantri Ujjwala YojanaCentralGives adult women from poor households a deposit-free LPG cooking gas connection, with a free first refill and stove, and a subsidy on refills.All of IndiaPower & gas · Women & children
- Viksit Bharat - Guarantee for Rozgar and Ajeevika Mission (Gramin)CentralA legal guarantee of up to 125 days of paid unskilled manual work a year for every rural household, on village works such as water conservation, roads, livelihood infrastructure and disaster protection. It replaced MGNREGA on 1 July 2026.All of IndiaJobs & skills · Social welfare
- Pradhan Mantri Jan Dhan YojanaCentralA national mission to give every unbanked adult a basic savings bank account, with access to credit, insurance, pension and money transfers.All of IndiaBanking & insurance
- Atal Pension YojanaCentralA voluntary pension scheme, mainly for unorganised-sector workers, that pays a government-guaranteed monthly pension of ₹1,000 to ₹5,000 from age 60, depending on contributions.All of IndiaPensions
- Pradhan Mantri Fasal Bima YojanaCentralLow-premium crop insurance that pays farmers when notified crops are lost to drought, flood, cyclone, hail, pests, disease and other natural risks, from before sowing to shortly after harvest.All of IndiaFarming · Banking & insurance
- Pradhan Mantri Jeevan Jyoti Bima YojanaCentralA one-year life insurance cover, renewable every year, that pays ₹2 lakh to the family if the insured person dies from any cause.All of IndiaBanking & insurance
- Pradhan Mantri Suraksha Bima YojanaCentralA one-year accident insurance cover, renewable every year, for accidental death or disability, for a premium of ₹20 a year.All of IndiaBanking & insurance
- Beti Bachao Beti PadhaoCentralAn awareness campaign to stop sex-selective abortion, protect girls, and keep them in school. It changes attitudes; it does not pay money to anyone.All of IndiaWomen & children · Education
- PM VishwakarmaCentralSupport for traditional artisans and craftspeople in 18 trades: recognition, skill training with a stipend, a toolkit grant, cheap collateral-free loans, digital payment incentives and help with marketing.All of IndiaBusiness & loans · Jobs & skills
- Pradhan Mantri MUDRA YojanaCentralCollateral-free loans of up to ₹20 lakh from banks, NBFCs and microfinance institutions for small businesses in manufacturing, trading and services, and for farm-allied activities.All of IndiaBusiness & loans
- Sukanya Samriddhi Account SchemeCentralA government small-savings account for a girl child, with a high fixed interest rate and tax benefits, to save for her education and marriage.All of IndiaBanking & insurance · Women & children
- e-Shram (National Database of Unorganised Workers)CentralA free national registration portal for unorganised workers, including gig and platform workers. Registered workers get a 12-digit Universal Account Number and can reach linked welfare, job, skilling and pension schemes in one place.All of IndiaSocial welfare · Jobs & skills
- Pradhan Mantri Matru Vandana YojanaCentralCash paid straight to a mother's bank or post office account during pregnancy and after childbirth, to partly make up for lost wages and encourage check-ups, rest and good nutrition.35 statesWomen & children · Health
- Kisan Credit CardCentralA revolving bank credit line for farmers, fishers and livestock farmers to pay for crop cultivation, post-harvest costs, farm upkeep and allied activities, at a government-subsidised interest rate.All of IndiaFarming · Banking & insurance
- National Scholarship PortalCentralOne government website where students apply for many central and some state scholarships, with a single registration number, and track verification and payment.All of IndiaEducation · Social welfare
- PM Street Vendor's AtmaNirbhar NidhiCentralCollateral-free working capital loans for street vendors, with an interest subsidy, cashback on digital payments, and a UPI-linked credit card for vendors who repay on time.All of IndiaBusiness & loans
- Prime Minister's Internship SchemeCentralPaid internships for young people in large companies across India, with a monthly allowance paid jointly by the government and the company. It is still run as a pilot.All of IndiaJobs & skills
- Janani Suraksha YojanaCentralCash help for poor pregnant women who give birth in a hospital or health centre, to cut deaths of mothers and newborns. ASHA workers link women to the scheme.All of IndiaHealth · Women & children
- National Social Assistance Programme (old-age, widow and disability pensions)CentralMonthly pensions for elderly people, widows and persons with severe disabilities from below-poverty-line families, a one-time payment when a poor family loses its main earner, and free grain for some elderly people.All of IndiaPensions · Social welfare
- Jal Jeevan MissionCentralAims to give every rural household a working household tap connection with safe drinking water, with village-level bodies helping to run and maintain the supply.All of IndiaWater & sanitation
- Annapurna YojanaStateA monthly cash payment to adult women in West Bengal. It replaced the Lakshmir Bhandar scheme from 1 June 2026.West BengalWomen & children
- Bihar Student Credit Card YojanaStateEducation loans of up to ₹4 lakh for Bihar students who have passed Class 12 and want to go on to higher studies, with the state backing the loan.BiharEducation · Banking & insurance
- Chief Minister Arogya Arunachal YojanaStateCashless hospital cover for families in Arunachal Pradesh, run alongside the central Ayushman Bharat PM-JAY scheme.Arunachal PradeshHealth
- Chief Minister-gi Hakshelgi TengbangStateCashless hospital treatment for poor families in Manipur, mainly those not covered by the central Ayushman Bharat PM-JAY scheme, for seven serious illnesses.ManipurHealth
- Chief Minister's Comprehensive Health Insurance SchemeStateFree, cashless hospital treatment for low-income families in Tamil Nadu at empanelled hospitals.Tamil NaduHealth
- Chief Minister's Health Insurance Scheme, NagalandStateCashless hospital cover for Nagaland government employees and pensioners, and for residents not covered by the central Ayushman Bharat PM-JAY scheme.NagalandHealth
- CM-KISAN YojanaStateCash support from the Odisha government to small and marginal farmers and landless farming households, on top of the central PM-KISAN payment. It replaced the KALIA scheme.OdishaFarming
- Dayanand Social Security SchemeStateMonthly pension for senior citizens, widows, single women, persons with disabilities and people living with HIV/AIDS in Goa from low-income families.GoaPensions · Disability
- Deen Dayal Lado Lakshmi YojanaStateMonthly support of ₹2,100 for women aged 23 and above from low-income Haryana families, partly paid in cash and partly saved in a government deposit in her name.HaryanaWomen & children · Social welfare
- Delhi Lakshmi YojanaStateMonthly financial help of ₹2,500 for women aged 21 to 60 from Delhi families with annual income up to ₹2.5 lakh.DelhiWomen & children · Social welfare
- Gopabandhu Jan Arogya YojanaStateCashless hospital cover for Odisha families, run together with the central Ayushman Bharat PM-JAY scheme as PMJAY-GJAY.OdishaHealth
- Griha Aadhar SchemeStateMonthly cash support for homemakers in Goa from families with modest incomes, paid into their bank accounts.GoaWomen & children · Social welfare
- Jharkhand Mukhyamantri Maiyan Samman YojanaStatePays ₹2,500 a month to women aged 18 to 50 in Jharkhand from ration-card-holding families, as direct financial support.JharkhandWomen & children · Social welfare
- Karunya Arogya Suraksha PadhathiStateFree hospital treatment for poor and vulnerable families in Kerala. It combines Ayushman Bharat PM-JAY with the state's own health insurance schemes.KeralaHealth
- Kerala Social Security Pensions (Sevana Pension)StateMonthly pensions for older people, widows, people with disabilities, agricultural labourers and unmarried women over 50 from low-income families in Kerala.KeralaPensions · Disability
- Krishak Bandhu (Natun)StateYearly cash support for West Bengal farmers and sharecroppers, plus a lump sum for the family if a farmer dies between 18 and 60.West BengalFarming
- Magalir Urimai Thittam (monthly assistance for women heads of family)StateMonthly cash assistance for women who head their families in Tamil Nadu.Tamil NaduWomen & children · Social welfare
- Mahalakshmi scheme (free bus travel for women)StateFree travel for women and transgender persons living in Telangana on ordinary and express TGSRTC buses.TelanganaRoads & transport · Women & children
- Mahatma Jyotirao Phule Jan Arogya YojanaStateFree, cashless hospital treatment for families in Maharashtra at empanelled hospitals. It now runs together with the central Ayushman Bharat PM-JAY scheme.MaharashtraHealth
- Megha Health Insurance SchemeStateFree health insurance for all residents of Meghalaya except government employees, run together with the central Ayushman Bharat PM-JAY scheme.MeghalayaHealth
- Monthly Financial Assistance to Women Heads of BPL FamiliesStateMonthly cash assistance for women who head families living below the poverty line in the Union Territory of Puducherry.PuducherryWomen & children · Social welfare
- Mukhya Mantri Himachal Health Care Scheme (HIMCARE)StateState health cover that gives enrolled Himachal families cashless hospital treatment in empanelled hospitals.Himachal PradeshHealth
- Mukhyamantri Ayushman Arogya Yojana (MAA Yojana)StateCashless hospital treatment for families in Rajasthan, with free enrolment for poorer families and a yearly premium for others.RajasthanHealth
- Mukhyamantri Kanya Sumangala YojanaStatePays a girl's family in six instalments at milestones from birth to college, to discourage sex-selective abortion and child marriage and help girls continue their education.Uttar PradeshWomen & children · Education
- Mukhyamantri Ladli Behna YojanaStateMonthly cash support for women in Madhya Pradesh to improve their financial independence, health and nutrition.Madhya PradeshWomen & children · Social welfare
- Mukhyamantri Mahila Rozgar YojanaStateGives one woman in every family money to start a livelihood of her choice: ₹10,000 first, then further help of up to ₹2 lakh after an assessment of her business.BiharWomen & children · Business & loans
- Mukhyamantri Majhi Ladki Bahin YojanaStateMonthly cash support paid directly into the bank accounts of women in Maharashtra from lower-income families.MaharashtraWomen & children · Social welfare
- Mukhyamantri Swasthya Bima YojanaStateState-paid cashless hospital cover for West Bengal families who are not eligible for the central Ayushman Bharat PM-JAY scheme. Together with PM-JAY it replaces Swasthya Sathi.West BengalHealth
- Mukhyamantri Vidyut Upbhokta Sahayata Yojana (125 units free electricity)StateMakes the first 125 units of electricity each month free for every domestic electricity consumer in Bihar, rural and urban, with the state paying the bill.BiharPower & gas
- Mukhyamantri Yuva Udyami Vikas AbhiyanStateGives young people in Uttar Pradesh collateral-free bank loans of up to ₹5 lakh, with the interest paid by the state, to start their own business.Uttar PradeshBusiness & loans · Jobs & skills
- Namo Shetkari Mahasanman Nidhi YojanaStateYearly cash support for farmers in Maharashtra, paid by the state on top of the central PM-Kisan payment.MaharashtraFarming
- Nanda Gaura YojanaStatePays a one-time amount when a girl is born and a larger amount when she passes Class 12 and joins a degree or diploma, for up to two girls per family in Uttarakhand.UttarakhandWomen & children · EducationOpen
- NTR Bharosa Pension SchemeStateMonthly social security pensions for older people, widows, single women, persons with disabilities, some traditional occupations and people with serious chronic illness in Andhra Pradesh.Andhra PradeshPensions · Disability
- Old Age Samman Allowance SchemeStateA monthly allowance for people aged 60 and above in Haryana whose income, with their spouse, is within the limit.HaryanaPensions
- Punjab Old Age Pension SchemeStateA monthly pension for older women and men in Punjab with low income and limited land.PunjabPensions
- REWA Scheme: coaching support for UPSC Civil Services (Ladakh)StateFinancial assistance from the Ladakh administration for local graduates to get coaching for the UPSC Civil Services Preliminary Examination, with candidates chosen through a screening test.LadakhEducation · Jobs & skills
- UT of Lakshadweep Pension SchemeStateA monthly pension from the Lakshadweep Administration for older people, widows, abandoned individuals and persons with disabilities.LakshadweepPensions · Disability
- Uttar Pradesh Scholarship and Fee Reimbursement (Pre-Matric and Post-Matric)StatePays scholarships and reimburses fees for Uttar Pradesh students from Class 9 upward, in SC, ST, OBC, general and minority categories, through one online portal.Uttar PradeshEducation · Social welfare
- Uttarakhand Old Age Pension SchemeStateA monthly pension for people aged 60 or above in Uttarakhand with low income, to help meet basic needs. Both husband and wife can receive it.UttarakhandPensions
- Vetri Payanam (free bus travel for women)StateFree travel for women and transgender persons on most state-run buses within Tamil Nadu. It expands the earlier Magalir Vidiyal Payanam scheme.Tamil NaduRoads & transport · Women & children
- Ayushman Bharat Health Account (ABHA) under the Ayushman Bharat Digital MissionCentralA free 14-digit health ID that lets a person keep their prescriptions, test reports and discharge summaries in one digital place and share them with doctors and hospitals only with their consent.All of IndiaHealth
- Deen Dayal Upadhyaya Grameen Kaushalya YojanaCentralPlacement-linked skill training for young people from poor rural households, followed by help to stay in the job. It now runs under revised DDU-GKY 2.0 guidelines notified in May 2025.All of IndiaJobs & skills
- Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (including Lakhpati Didi)CentralOrganises rural women into Self Help Groups (SHGs) and helps them get bank credit, skills, financial literacy and markets to start or grow livelihoods. Its Lakhpati Didi goal is for SHG members' households to earn over ₹1 lakh a year.All of IndiaWomen & children · Business & loans
- Mission Saksham Anganwadi and Poshan 2.0CentralFree food, growth checks, pre-school and health services through local Anganwadi Centres for young children, pregnant women and new mothers, to fight malnutrition.All of IndiaFood & rations · Women & children
- Mission Shakti: One Stop Centres and Women Helpline 181CentralHelp for women facing violence or abuse: a 24-hour toll-free helpline (181) and One Stop Centres that give medical, legal, police and counselling support and short-term shelter under one roof.All of IndiaWomen & children · Social welfare
- National Agriculture MarketCentralAn online trading platform that links physical wholesale mandis, so farmers can sell produce through open online bidding to buyers from their own and other markets and states, and get paid directly into their bank account.27 statesFarming
- National Apprenticeship Promotion SchemeCentralPromotes apprenticeships in industry under the Apprentices Act, 1961. The government pays part of each apprentice's monthly stipend directly into their bank account.All of IndiaJobs & skills
- National Apprenticeship Training SchemeCentralPaid apprenticeship training in industry for people who have completed a graduate or diploma programme, with part of the stipend paid by the government.All of IndiaJobs & skills · Education
- Ni-kshay Poshan YojanaCentralMonthly cash for every TB patient during treatment so they can afford better food, which helps recovery.All of IndiaHealth · Food & rations
- NPS VatsalyaCentralA long-term savings and pension account that a parent or guardian opens for a child under 18. Money is invested by a pension fund, and the account can move into the regular National Pension System at 18.All of IndiaPensions · Women & children
- Per Drop More Crop (micro irrigation)CentralSubsidises drip and sprinkler irrigation systems on farms so crops get water at the roots with less waste, cutting water, fertiliser and labour costs.All of IndiaFarming · Water & sanitation
- PM Electric Drive Revolution in Innovative Vehicle Enhancement SchemeCentralUpfront discounts on eligible electric vehicles, given at the time of purchase through an e-voucher, plus support for electric buses, public charging stations and vehicle testing facilities.All of IndiaRoads & transport · Power & gas
- PM Vidyalaxmi SchemeCentralEducation loans with no collateral and no guarantor for students admitted on merit to listed top higher education institutions, with a 3% interest subsidy for families earning up to ₹8 lakh.All of IndiaEducation · Banking & insurance
- PM Young Achievers Scholarship Award Scheme for Vibrant India for OBCs and OthersCentralAn umbrella of scholarships and hostels for OBC, EBC and De-notified Tribe (DNT) students from families earning up to ₹2.5 lakh a year, from Class 9 to college.All of IndiaEducation · Social welfare
- Post-Matric Scholarship for Scheduled Caste StudentsCentralPays fees and an allowance for Scheduled Caste students from poorer families to study after Class 10, up to and including higher education, so they can finish their courses.All of IndiaEducation · Social welfare
- Pradhan Mantri Anusuchit Jaati Abhyuday YojanaCentralFunds development of villages with a majority Scheduled Caste population, livelihood and skill projects for SC families, and hostels for SC students.All of IndiaSocial welfare · Jobs & skills
- Pradhan Mantri Bhartiya Janaushadhi PariyojanaCentralSells quality-tested generic medicines and medical products at Jan Aushadhi Kendras, generally 50-80% cheaper than comparable branded medicines.All of IndiaHealth · Business & loans
- Pradhan Mantri Gram Sadak YojanaCentralBuilds all-weather roads to connect rural habitations that have no road. The current phase, PMGSY-IV, aims to connect 25,000 unconnected habitations with 62,500 km of roads by 2028-29.All of IndiaRoads & transport
- Pradhan Mantri Kaushal Vikas Yojana 4.0CentralFree short-term skill training and certification for young people through accredited training centres, and certification of skills people already have (Recognition of Prior Learning).All of IndiaJobs & skills
- Pradhan Mantri Kisan Maandhan YojanaCentralA voluntary, contributory pension scheme for small and marginal farmers: the farmer and the central government pay in equal monthly amounts, and the farmer gets at least ₹3,000 a month from age 60.All of IndiaPensions · Farming
- Pradhan Mantri Kisan Urja Suraksha evam Utthaan MahabhiyaanCentralHelps farmers use solar power for irrigation: subsidised standalone solar pumps where there is no grid, solarising existing grid-connected pumps, and small solar plants on farm land that sell power to the electricity company.All of IndiaPower & gas · Farming
- Pradhan Mantri Matsya Sampada YojanaCentralFunds fisheries and aquaculture: fish farms, ponds, cages, hatcheries, cold chains, fishing harbours and markets, plus fisher welfare and insurance, to raise fish production and fishers' incomes.All of IndiaFarming · Business & loans
- Pradhan Mantri Poshan Shakti NirmanCentralOne free hot cooked meal on every school day for children in Balvatika and classes 1 to 8 in government and government-aided schools, to improve nutrition and school attendance.All of IndiaFood & rations · Education
- Pradhan Mantri Shram Yogi Maan-dhanCentralA voluntary pension scheme for unorganised workers. The worker pays a small monthly amount, the central government pays an equal amount, and the worker gets ₹3,000 a month from age 60.All of IndiaPensions
- Pradhan Mantri Viksit Bharat Rozgar YojanaCentralCash incentives to encourage new formal jobs: first-time employees registered with EPFO get up to ₹15,000, and employers get up to ₹3,000 a month for each extra worker they hire and keep.All of IndiaJobs & skills
- Prime Minister's Employment Generation ProgrammeCentralA subsidy on bank loans for people setting up new micro-enterprises outside farming. Part of the project cost is paid as a one-time 'margin money' subsidy.All of IndiaBusiness & loans · Jobs & skills
- Scheme of Assistance to Persons with Disabilities for Purchase/Fitting of Aids and AppliancesCentralFree or half-price aids and assistive devices, such as hearing aids, artificial limbs and motorised tricycles, for persons with disabilities from lower-income families.All of IndiaDisability
- Senior Citizens' Savings SchemeCentralA government small savings scheme for people aged 60 and over, and some early retirees, that pays a fixed interest rate every quarter on a one-time deposit.All of IndiaPensions · Banking & insurance
- Soil Health Card Scheme (Soil Health and Fertility)CentralTests farm soil and gives farmers a Soil Health Card showing its nutrient status, with crop-wise advice on how much fertiliser, manure and soil treatment to use.All of IndiaFarming
- Swachh Bharat Mission (Grameen) Phase IICentralKeeps villages open-defecation free and moves them to 'ODF Plus' with solid and liquid waste management; gives eligible rural households money to build a household toilet.All of IndiaWater & sanitation
- Unique Disability ID (UDID) Card and Disability CertificateCentralOne national ID card and online disability certificate for persons with disabilities, valid across India and used to get government schemes, concessions and pensions.All of IndiaDisability
- Universal Immunisation Programme (U-WIN and Mission Indradhanush)CentralFree vaccines for children and pregnant women at government vaccination sessions. U-WIN is the online system that records every dose, sends reminders and issues certificates; Mission Indradhanush runs catch-up drives where coverage is low.All of IndiaHealth · Women & children
- Vayo Samman Rashtriya AbhiyanCentralA national intergenerational bonding campaign under the Atal Vayo Abhyuday Yojana to strengthen solidarity, promote sustained engagement between generations, and value the experience and contributions of senior citizens.All of IndiaPensions · Food & rations
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By state
- Andaman and Nicobar Islands
- Andhra Pradesh
- Arunachal Pradesh
- Assam
- Bihar
- Chandigarh
- Chhattisgarh
- Dadra and Nagar Haveli and Daman and Diu
- Delhi
- Goa
- Gujarat
- Haryana
- Himachal Pradesh
- Jammu and Kashmir
- Jharkhand
- Karnataka
- Kerala
- Ladakh
- Lakshadweep
- Madhya Pradesh
- Maharashtra
- Manipur
- Meghalaya
- Mizoram
- Nagaland
- Odisha
- Puducherry
- Punjab
- Rajasthan
- Sikkim
- Tamil Nadu
- Telangana
- Tripura
- Uttar Pradesh
- Uttarakhand
- West Bengal