Schemes & benefits

Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)

Direct income support for landholding farmer families, paid straight into Aadhaar-seeded bank accounts.

Benefit: ₹6,000 a year, paid in three instalments of ₹2,000 each by direct benefit transfer.

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Crop insurance against yield loss from natural calamities, pests and diseases, with low farmer premiums and the rest of the premium paid by government.

Benefit: Insurance cover for notified crops. Farmers pay a maximum premium of 2% of the sum insured for kharif crops, 1.5% for rabi crops and 5% for annual commercial and horticultural crops; claims are paid to the bank account.

Kisan Credit Card (KCC)

A revolving bank credit line for farmers, fishers and livestock farmers to meet cultivation and allied working-capital needs at a concessional interest rate.

Benefit: Short-term crop and allied-activity loans from banks with interest subvention and an extra incentive for prompt repayment under the Modified Interest Subvention Scheme. Check with your bank for current limits and the effective interest rate.

Pradhan Mantri Kisan Urja Suraksha evam Utthaan Mahabhiyan (PM-KUSUM)

Support for solar irrigation: standalone solar pumps, solarising grid-connected pumps, and small solar plants on farmland. The current phase is winding down (projects must be completed by 31 March 2027), and a revamped PM-KUSUM 2.0 is under consideration. Check with your state nodal agency whether new applications are open.

Benefit: Central and state subsidies on solar pumps and solarisation of agricultural feeders/pumps, plus income from selling surplus solar power. Subsidy shares vary by component and state, so check the official portal.

Soil Health Card Scheme

Free soil testing for farm holdings, with a card showing the soil's nutrient status and crop-wise fertiliser recommendations.

Benefit: A Soil Health Card with soil test results and fertiliser and nutrient advice for your field, which helps cut unnecessary fertiliser spend.

Pradhan Mantri Kisan Maan-Dhan Yojana (PM-KMY)

A voluntary, contributory pension scheme for small and marginal farmers. The government matches the farmer's monthly contribution.

Benefit: An assured pension of ₹3,000 a month from age 60. The farmer's monthly contribution depends on entry age and is matched equally by the Centre.

Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB PM-JAY)

Government-funded health assurance for poor and vulnerable families, giving cashless hospital treatment at empanelled public and private hospitals across India.

Benefit: Health cover of up to ₹5 lakh per family per year for secondary and tertiary hospitalisation, cashless and paperless at empanelled hospitals, including pre- and post-hospitalisation expenses. No cap on family size or age.

Ayushman Bharat PM-JAY for senior citizens aged 70+ (Ayushman Vay Vandana Card)

Extends PM-JAY to every Indian aged 70 or above, whatever their income, through a separate Ayushman Vay Vandana card.

Benefit: Cashless hospital cover of up to ₹5 lakh a year on a family basis for members aged 70+. If the family is already covered by PM-JAY, the senior gets an additional top-up of up to ₹5 lakh a year, not shared with younger members.

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Financial help for houseless rural families and those living in kutcha or dilapidated houses to build a pucca house with basic amenities.

Benefit: Assistance of ₹1.20 lakh per house in plain areas and ₹1.30 lakh in hilly states, difficult areas and IAP districts, paid in instalments into the beneficiary's account, plus convergence with toilet, drinking water, LPG and electricity schemes.

Pradhan Mantri Awas Yojana – Urban 2.0 (PMAY-U 2.0)

Help for urban poor and middle-class families to build, buy or rent a pucca house, through four verticals: beneficiary-led construction, affordable housing in partnership, affordable rental housing, and an interest subsidy on home loans.

Benefit: Central plus state assistance per house under the beneficiary-led construction and partnership verticals, or an interest subsidy on home loans for eligible EWS, LIG and MIG families. Check the official portal for current amounts.

Pradhan Mantri Ujjwala Yojana (PMUY)

Deposit-free LPG connections for adult women from poor households, so families can switch from firewood and other polluting fuels to clean cooking gas.

Benefit: A deposit-free LPG connection (cylinder security deposit, regulator, hose and installation covered), with the first refill and stove under PMUY 2.0. A targeted subsidy on refills is notified by the government each year; check the official page for the current amount.

PM Surya Ghar: Muft Bijli Yojana

Central subsidy for households to install rooftop solar, cutting electricity bills and allowing surplus power to be sold to the discom.

Benefit: Central financial assistance for residential rooftop solar of up to ₹78,000 (₹30,000 per kW for the first 2 kW and ₹18,000 for the third kW). Collateral-free loans are available from banks.

Jal Jeevan Mission (Har Ghar Jal)

Aims to give every rural household a functional household tap connection supplying safe drinking water in adequate quantity.

Benefit: A functional household tap connection, with village water supply schemes managed by the Gram Panchayat/Village Water and Sanitation Committee, and water-quality testing.

Swachh Bharat Mission (Gramin) – Individual Household Latrine incentive

Incentive for eligible rural households without a toilet to build one, under Phase II of Swachh Bharat Mission (Gramin).

Benefit: An incentive of ₹12,000 for constructing an individual household latrine, paid after construction is verified.

Pradhan Mantri Jan Dhan Yojana (PMJDY)

Basic savings bank accounts for every unbanked adult, with a RuPay debit card, built-in accident insurance and access to small overdrafts.

Benefit: A zero-balance basic savings account; a RuPay debit card with accident insurance cover of ₹2 lakh (for accounts opened after 28 August 2018); an overdraft facility of up to ₹10,000 for eligible account holders; and a channel for DBT, PMJJBY, PMSBY and APY.

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Low-cost, one-year renewable term life insurance offered through banks and post offices.

Benefit: Life cover of ₹2 lakh on death from any cause, for an annual premium of ₹436 auto-debited from your account.

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

One-year renewable accident insurance for death or disability due to an accident, available through banks and post offices.

Benefit: ₹2 lakh for accidental death or total permanent disability and ₹1 lakh for partial permanent disability, for an annual premium of ₹20.

Atal Pension Yojana (APY)

A government-backed pension scheme, mainly for workers in the unorganised sector, administered by PFRDA through banks and post offices.

Benefit: A guaranteed monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 from age 60, depending on your contributions. After the subscriber's death the pension goes to the spouse, and then the corpus goes to the nominee.

Sukanya Samriddhi Yojana (SSY)

A government-backed small savings account for a girl child, with a government-notified interest rate and tax benefits.

Benefit: Interest set by the government each quarter (typically among the highest of small savings schemes) and tax benefits. Deposits from ₹250 up to ₹1.5 lakh per financial year, payable for 15 years. The account matures 21 years from opening, and partial withdrawal is allowed for education after the girl turns 18.

Senior Citizens' Savings Scheme (SCSS)

A government-backed deposit for people aged 60 and above that pays interest every quarter.

Benefit: Quarterly interest at the government-notified rate. Deposits up to ₹30 lakh, a five-year tenure that can be extended, and tax deduction on the deposit under the old tax regime.

NPS Vatsalya

A pension account opened by parents or guardians for a minor child. It converts to a regular NPS account when the child turns 18.

Benefit: Long-term, market-linked savings for a child under NPS, with tax benefits. Parents contribute a small minimum annual amount and can choose investment options; check the PFRDA/NPS Trust pages for current rules.

National Social Assistance Programme (NSAP) – old age, widow and disability pensions

Central pensions and family benefit for BPL households: old age pension (IGNOAPS), widow pension (IGNWPS), disability pension (IGNDPS) and a one-time National Family Benefit (NFBS) on the death of the breadwinner. States add their own top-ups.

Benefit: Central share: old age pension of ₹200 a month (age 60–79) and ₹500 a month (80+); widow and disability pensions of ₹300 a month (₹500 at 80+); and a one-time ₹20,000 under NFBS. Most states pay considerably more by adding their own share.

Pradhan Mantri Garib Kalyan Anna Yojana (PMGKAY) – free foodgrains under NFSA

Free foodgrains for about 81 crore beneficiaries covered under the National Food Security Act, extended for five years from 1 January 2024.

Benefit: Free foodgrains through ration shops: 35 kg per month per Antyodaya Anna Yojana household and 5 kg per person per month for Priority Household ration cards. Rations can be drawn anywhere in India under One Nation One Ration Card.

Pradhan Mantri MUDRA Yojana (PMMY)

Collateral-free loans from banks, NBFCs and microfinance institutions for non-farm income-generating micro enterprises.

Benefit: Loans in four categories: Shishu (up to ₹50,000), Kishore (₹50,000–₹5 lakh), Tarun (₹5–10 lakh) and Tarun Plus (₹10–20 lakh, for those who have successfully repaid a Tarun loan). No collateral is required.

Stand-Up India

Bank loans for SC/ST and women entrepreneurs to set up a new (greenfield) enterprise. The scheme was originally announced to run until 2025; the Stand-Up Mitra portal still lists it, so confirm current availability with your bank.

Benefit: Composite bank loans (term loan plus working capital) of ₹10 lakh to ₹1 crore, backed by a credit guarantee, with hand-holding support through the Stand-Up Mitra portal.

PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi)

Collateral-free working-capital loans for street vendors, with higher loans for timely repayment, interest subsidy and digital payment incentives. The restructured scheme now also covers vendors in census towns.

Benefit: Collateral-free loans in tranches of ₹15,000, ₹25,000 and ₹50,000, interest subsidy on timely repayment, cashback for digital transactions, and a UPI-linked credit card for vendors who repay the second loan.

PM Vishwakarma

End-to-end support for traditional artisans and craftspeople in 18 trades (such as carpenters, blacksmiths, potters, tailors, cobblers and barbers), covering recognition, skilling, tools, credit and marketing.

Benefit: A PM Vishwakarma certificate and ID card; basic and advanced training with a ₹500 per day stipend; a ₹15,000 toolkit incentive; collateral-free loans of up to ₹1 lakh (first tranche) and ₹2 lakh (second tranche) at a concessional interest rate; and incentives for digital transactions and marketing support.

Prime Minister's Employment Generation Programme (PMEGP)

Credit-linked subsidy for setting up new micro enterprises in manufacturing and services, implemented by KVIC, state KVIBs and District Industries Centres. The approved scheme period ran to 2025-26, so check the portal for current status.

Benefit: A margin-money subsidy on bank loans: 15% (urban) or 25% (rural) of project cost for general category applicants, and 25% (urban) or 35% (rural) for special categories such as SC/ST, OBC, minorities, women, ex-servicemen and persons with disabilities. The maximum project cost is ₹50 lakh for manufacturing and ₹20 lakh for services.

Startup India Seed Fund Scheme (SISFS)

Early-stage seed funding for DPIIT-recognised startups, routed through selected incubators, for proof of concept, prototypes, product trials and market entry. Check the portal to see whether incubators are currently accepting applications.

Benefit: A grant of up to ₹20 lakh for proof of concept, prototype development or product trials, and up to ₹50 lakh through convertible debentures or debt-linked instruments for market entry, commercialisation or scale-up.

Viksit Bharat – Guarantee for Rozgar and Ajeevika Mission (Gramin) (VB-G RAM G), formerly MGNREGA

The statutory rural employment guarantee. From 1 July 2026, the VB-G RAM G Act, 2025 replaced the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA). Ongoing works carried over, and old job cards are being replaced by new Gramin Rozgar Guarantee cards.

Benefit: A legal guarantee of up to 125 days of unskilled wage employment per rural household per financial year (up from 100 under MGNREGA), with wages paid by DBT. Wage rates are notified state-wise.

e-Shram – National Database of Unorganised Workers

Free national registration for unorganised workers, including gig and platform workers. Registered workers get an e-Shram card (UAN) and a single window to social security and welfare schemes.

Benefit: An e-Shram card with a 12-digit Universal Account Number, and access through the portal to linked schemes such as PM-SYM pension, PMSBY/PMJJBY insurance, PM-JAY, ration portability and employment services.

Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM)

A voluntary, contributory pension scheme for unorganised workers. The government matches the worker's monthly contribution.

Benefit: An assured pension of ₹3,000 a month from age 60. Monthly contributions of roughly ₹55–₹200 depending on entry age are matched equally by the Centre, and the spouse gets a family pension.

Pradhan Mantri Viksit Bharat Rozgar Yojana (PM-VBRY)

An employment-linked incentive scheme that rewards first-time employees joining the EPFO and gives employers incentives for creating additional jobs.

Benefit: First-time employees registered with EPFO get up to ₹15,000 in two instalments (the second linked to completing a financial literacy programme). Employers get a monthly incentive per additional employee retained, for a set period. Check the official portal for current terms.

Prime Minister's Internship Scheme (PMIS)

Twelve-month internships in top companies for young people, run by the Ministry of Corporate Affairs. As of 2026 it is still running as a pilot, in successive rounds.

Benefit: Real-life work experience in a leading company, a monthly stipend, a one-time grant, and insurance cover during the internship. Amounts and conditions can change between rounds, so check the portal.

Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM)

Organises rural poor women into self-help groups (SHGs) and federations, giving them access to credit, livelihoods support and enterprise development. The Lakhpati Didi initiative is part of this mission.

Benefit: Revolving fund and community investment fund support to SHGs, collateral-free bank linkage with interest subvention, skilling, and livelihood and enterprise support. Check with your State Rural Livelihoods Mission for amounts.

Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY)

Free, placement-linked skill training for rural poor youth, run by the Ministry of Rural Development.

Benefit: Free residential or non-residential skill training with boarding, lodging and travel support, assessment and certification, placement in wage employment and post-placement support.

Pradhan Mantri Kaushal Vikas Yojana 4.0 (PMKVY 4.0)

The flagship skill-training scheme, offering free short-term training and Recognition of Prior Learning (RPL) certification in industry-relevant job roles.

Benefit: Free short-term skill training and assessment, a nationally recognised certificate, RPL certification of existing skills, and placement or entrepreneurship linkage.

National Apprenticeship Promotion Scheme (NAPS-2)

Promotes on-the-job apprenticeship training under the Apprentices Act, 1961, with the government sharing part of the apprentice's stipend.

Benefit: A paid apprenticeship with an employer. The government reimburses part of the stipend to the apprentice by DBT, and you get a certificate on completion.

Post-Matric Scholarship for Scheduled Caste Students

Financial assistance for SC students studying at the post-matric or post-secondary stage (Class 11 onwards, including professional courses). It is administered by state governments and funded jointly by the Centre and states.

Benefit: Reimbursement of compulsory non-refundable fees and an annual academic allowance that depends on the course group. Check your state scholarship portal or the NSP for current rates.

PM Young Achievers Scholarship Award Scheme for Vibrant India (PM-YASASVI) for OBC, EBC and DNT students

An umbrella of scholarships for OBC, Economically Backward Class (EBC) and De-notified Tribe (DNT) students: pre-matric, post-matric, and top-class school and college education.

Benefit: Scholarships covering academic allowance and fees, depending on the component and course. Check the NSP or your state portal for current rates.

National Means-cum-Merit Scholarship Scheme (NMMSS)

Scholarships for meritorious students from economically weaker families to reduce dropouts after Class 8.

Benefit: ₹12,000 a year from Class 9 to Class 12, paid by DBT, subject to continued performance.

PM Vidyalaxmi

Collateral-free and guarantor-free education loans for students admitted to quality higher education institutions, with a credit guarantee and interest subvention for lower-income families.

Benefit: Education loans without collateral or guarantor covering fees and related expenses; a 75% government credit guarantee for loans up to ₹7.5 lakh; and 3% interest subvention during the moratorium on loans up to ₹10 lakh for students with family income up to ₹8 lakh.

PM POSHAN (Mid-Day Meal Scheme)

A free, hot cooked meal on school days for children in government and government-aided schools.

Benefit: A nutritious hot cooked meal on every school day for children in Balvatika (pre-primary) and Classes 1–8.

Pradhan Mantri Matru Vandana Yojana (PMMVY)

Maternity benefit to partly compensate pregnant women for lost wages and encourage health-seeking behaviour. It is part of Mission Shakti.

Benefit: ₹5,000 for the first child, paid in two instalments, and ₹6,000 for a second child if the child is a girl, paid after birth, by DBT. Eligible women may also get cash under Janani Suraksha Yojana for institutional delivery.

Saksham Anganwadi and Poshan 2.0

The integrated nutrition programme delivered through anganwadi centres, covering supplementary nutrition, early childhood care and education, and health and nutrition counselling.

Benefit: Supplementary nutrition (take-home rations or hot cooked meals), growth monitoring, pre-school education, and health check-up and immunisation linkages through the anganwadi centre.

Beti Bachao Beti Padhao (BBBP)

A campaign to improve the child sex ratio and promote the survival, protection and education of the girl child. Note: it is an awareness and convergence programme with no direct cash transfer to individuals, so beware of fraudulent forms promising cash under BBBP.

Benefit: No individual cash benefit. District-level awareness, enforcement of the PC-PNDT Act, and promotion of girls' enrolment and retention in school, in convergence with schemes like Sukanya Samriddhi.

Mission Shakti – One Stop Centres (Sakhi) and Women Helpline 181

Integrated support for women affected by violence (domestic violence, sexual assault, trafficking, acid attack and so on), in public or private spaces, through One Stop Centres in every district and the 24×7 Women Helpline 181.

Benefit: Free, single-window help: emergency response and rescue, medical aid, police and FIR assistance, legal aid and counselling, psycho-social counselling, and temporary shelter.

Assistance to Disabled Persons for Purchase/Fitting of Aids and Appliances (ADIP)

Free or subsidised modern assistive devices (tricycles, wheelchairs, hearing aids, artificial limbs, smart canes and so on) for persons with disabilities, distributed through camps and implementing agencies such as ALIMCO.

Benefit: Aids and appliances free of cost or at subsidised rates, depending on income, including cochlear implant surgery for eligible children. Check with the implementing agency for current income limits.

Unique Disability ID (UDID) and disability certificate

A single national database of persons with disabilities that issues an online disability certificate and a UDID card valid across India, for use with schemes and concessions.

Benefit: A nationally valid disability certificate and UDID card, which removes the need for multiple documents to access disability benefits.

Mukhyamantri Ladli Behna Yojana (Madhya Pradesh)

Monthly direct cash assistance to women in Madhya Pradesh to improve their economic independence, health and nutrition.

Benefit: ₹1,500 per month credited to the woman's Aadhaar-linked bank account (the amount has been raised over time; check the portal for the current amount). Annual e-KYC is required.

Mukhyamantri Majhi Ladki Bahin Yojana (Maharashtra)

Monthly financial assistance to women in Maharashtra to improve their economic independence, health and nutrition.

Benefit: ₹1,500 per month by DBT, as notified at launch. Check the official portal for any revision.

Kalaignar Magalir Urimai Thogai (Tamil Nadu)

Monthly 'rights grant' for women heads of families in Tamil Nadu, in recognition of their unpaid work.

Benefit: ₹1,000 per month (₹12,000 a year) credited to the woman's bank account.

Chief Minister's Comprehensive Health Insurance Scheme (Tamil Nadu)

Tamil Nadu's cashless health insurance scheme for low-income families, integrated with PM-JAY, covering treatment in government and empanelled private hospitals.

Benefit: Cashless cover of up to ₹5 lakh per family per year (floater) for listed procedures and treatments.

Gruha Lakshmi (Karnataka)

One of Karnataka's guarantee schemes: a monthly cash transfer to the woman head of each family.

Benefit: ₹2,000 per month to the woman head of household, by DBT.

SUBHADRA (Odisha)

Odisha's flagship financial assistance scheme for women, paid annually for five years (2024-25 to 2028-29), with a Subhadra debit card.

Benefit: ₹10,000 a year (₹50,000 over five years), paid in two instalments into the woman's Aadhaar-linked bank account, plus a SUBHADRA debit card and incentives for top digital transactors.

CM-KISAN (Odisha)

Odisha's financial assistance scheme for small and marginal farmers and landless agricultural households, which succeeded KALIA.

Benefit: ₹4,000 a year for cultivation or livelihood support, in addition to central schemes. Check the portal for components such as scholarships for farmers' children.

Mukhyamantri Kanya Utthan Yojana (Bihar)

Bihar's scheme to support girls from birth to graduation with staged cash incentives, to promote girls' education and discourage child marriage.

Benefit: Staged incentives at birth, after vaccination, for school uniforms, sanitary napkins, and on passing intermediate and graduation. Check the official portal for current amounts.

Mukhyamantri Ayushman Arogya (MAA) Yojana (Rajasthan)

Rajasthan's cashless health insurance scheme, integrated with PM-JAY (formerly the Chiranjeevi scheme). It is free for many categories, and other families can join by paying a premium.

Benefit: Cashless treatment for listed packages at government and empanelled private hospitals. Check the official portal for the current cover amount and premium.

Mukhyamantri Kanya Sumangala Yojana (Uttar Pradesh)

Staged financial assistance to girls in Uttar Pradesh from birth through to graduation or diploma admission.

Benefit: Assistance in six stages: at birth, after full immunisation, and on admission to Class 1, Class 6, Class 9, and graduation/diploma. Check the official portal for current stage-wise amounts.

Kalyana Lakshmi / Shaadi Mubarak (Telangana)

One-time financial assistance at the time of marriage of girls from low-income families in Telangana: Kalyana Lakshmi for SC/ST/BC/EBC families and Shaadi Mubarak for minority families.

Benefit: A one-time grant of ₹1,00,116 credited to the bride's mother's (or bride's) bank account. A higher amount applies for brides with disabilities.

Rythu Bharosa (Telangana)

Per-acre investment support to farmers in Telangana at the start of each crop season (successor to Rythu Bandhu).

Benefit: Per-acre investment support credited to farmers' bank accounts each crop season. Check the official portal for the current per-acre rate.

Annadata Sukhibhava – PM-KISAN (Andhra Pradesh)

Andhra Pradesh's investment support to farmers, paid together with the central PM-KISAN amount.

Benefit: Annual financial assistance per farmer family that includes the ₹6,000 PM-KISAN benefit plus a state top-up, paid in instalments. Check the official portal for current amounts.

Mukhyamantri Maiyan Samman Yojana (Jharkhand)

Monthly financial assistance to women in Jharkhand for nutrition, health and economic empowerment.

Benefit: A monthly honorarium credited to the woman's bank account. Check the official portal for the current amount.

Mahtari Vandan Yojana (Chhattisgarh)

Monthly financial assistance to married women in Chhattisgarh to promote economic independence, health and nutrition.

Benefit: ₹1,000 per month by DBT. Women already receiving smaller pensions get a top-up to ₹1,000.

Karunya Arogya Suraksha Padhathi (KASP), Kerala

Kerala's public health assurance scheme, integrated with AB PM-JAY, for the poorest and most vulnerable families in the state.

Benefit: Cashless treatment of up to ₹5 lakh per family per year for secondary and tertiary care at empanelled government and private hospitals.