Government Schemes
All central and state government schemes — farmer, student, MSME, women, medical.
PM-KISAN — Pradhan Mantri Kisan Samman Nidhi
₹6,000 per year in 3 instalments directly into bank accounts of eligible farmer families. Over 11 crore farmers benefit.
Eligibility: Small and marginal farmer families with land up to 2 hectares. Aadhaar and bank…
💰 ₹6,000/year (₹2,000 per instalment × 3)
Pradhan Mantri Fasal Bima Yojana (PMFBY)
Crop insurance for farmers against natural calamities, pests and diseases. Very low premium — government pays the rest.
Eligibility: All farmers (loanee and non-loanee) growing notified crops in notified areas.
💰 Premium: 2% (Kharif), 1.5% (Rabi), 5% (horticulture). Full sum insured for crop loss.
PM Kisan Maandhan Yojana — Farmer Pension
Monthly pension of ₹3,000 after age 60 for small and marginal farmers. Voluntary and contributory.
Eligibility: Small & marginal farmers aged 18–40 years with up to 2 hectares of land.
💰 ₹3,000/month pension after age 60
Kisan Credit Card (KCC)
Short-term credit for farmers for crop cultivation, post-harvest expenses, and allied activities at subsidised interest.
Eligibility: All farmers, sharecroppers, self-help groups of farmers.
💰 Credit up to ₹3 lakh at 4% interest (with subvention). ATM card for withdrawals.
Ayushman Bharat PM-JAY
₹5 lakh free health insurance per year for hospitalization. India's largest government-funded health scheme covering 12 crore families.
Eligibility: Bottom 40% of population as per SECC 2011. Check eligibility at pmjay.gov.in.
💰 ₹5 lakh health insurance per family per year. Cashless at empanelled hospitals.
Pradhan Mantri Ujjwala Yojana (PMUY)
Free LPG connection to women from BPL households. Over 9 crore connections given across India.
Eligibility: Women from SECC-2011 list, SC/ST households, PM Awas Yojana beneficiaries, tea garden workers.
💰 Free LPG connection (security deposit + stove cost waived). First refill free.
Pradhan Mantri Awas Yojana — Urban (PMAY-U)
Interest subsidy on home loans for EWS, LIG, MIG families. Housing for all mission.
Eligibility: EWS (income < ₹3L), LIG (₹3L-₹6L), MIG-I (₹6L-₹12L), MIG-II (₹12L-₹18L). No pucca house.
💰 Interest subsidy up to ₹2.67 lakh. Linked to home loan.
Pradhan Mantri Awas Yojana — Gramin (PMAY-G)
Free houses for homeless and houseless families in rural areas. ₹1.2 to ₹1.3 lakh financial assistance.
Eligibility: Homeless families and those living in 0/1-room houses as per SECC 2011 data.
💰 ₹1.2 lakh (plains) / ₹1.3 lakh (hilly areas) + MGNREGS 90-95 days wages.
PM Jeevan Jyoti Bima Yojana (PMJJBY)
Life insurance of ₹2 lakh for only ₹436/year. Available for age 18–50 years with savings bank account.
Eligibility: Age 18–50 years. Must have savings bank account with auto-debit consent.
💰 ₹2 lakh death cover for ₹436 per year premium.
PM Suraksha Bima Yojana (PMSBY)
Accident insurance of ₹2 lakh for just ₹20/year. One of the world's cheapest accident insurance schemes.
Eligibility: Age 18–70 years. Savings bank account with Aadhaar.
💰 ₹2 lakh for accidental death/permanent disability. ₹1 lakh for partial disability.
Atal Pension Yojana (APY)
Guaranteed pension of ₹1,000 to ₹5,000 per month after age 60 for informal sector workers.
Eligibility: Age 18–40 years. Must have savings bank account. Not an income tax payer.
💰 ₹1,000 to ₹5,000/month pension after 60. Contribution ₹42–₹1,454/month depending on age.
PM Jan Dhan Yojana (PMJDY)
Zero-balance savings bank account for all. Comes with RuPay debit card, ₹1 lakh accident insurance, and ₹30,000 life cover.
Eligibility: Any Indian citizen above 10 years. No minimum balance required.
💰 Zero-balance account + RuPay card + ₹1L accident insurance + ₹10,000 overdraft facility.
PM Mudra Yojana (PMMY)
Loans up to ₹20 lakh for small businesses, street vendors, artisans and micro-enterprises. No collateral required for Shishu category.
Eligibility: Non-corporate, non-farm small/micro businesses. Any Indian with a viable business idea.
💰 Shishu: up to ₹50K | Kishor: ₹50K–₹5L | Tarun: ₹5L–₹10L | Tarun Plus: ₹10L–₹20L
Stand Up India — SC/ST & Women Entrepreneurs
Bank loans from ₹10 lakh to ₹1 crore for SC/ST and women for greenfield enterprises.
Eligibility: SC/ST borrowers or women borrowers above 18 years. Greenfield enterprise only.
💰 Composite loan of ₹10 lakh to ₹1 crore (75% of project cost).
PM Vishwakarma Yojana 2025
Support scheme for traditional artisans and craftspeople — blacksmiths, carpenters, cobblers, potters, weavers and 18 more trades.
Eligibility: 18 designated artisan trades. Must work with hands and tools. Not a government employee.
💰 ₹15,000 toolkit grant + collateral-free loan (₹1L first, ₹2L later) at 5% interest + skill training.
PM SVANidhi — Street Vendor Loan Scheme
Working capital loans for street vendors to resume livelihoods. No collateral. Digital payments rewarded.
Eligibility: Urban street vendors with Certificate of Vending or LoR from ULB.
💰 ₹10,000 (1st loan) → ₹20,000 → ₹50,000. 7% interest subsidy. Digital incentives.
Sukanya Samriddhi Yojana (SSY)
High-interest savings scheme for girl child education and marriage. Highest interest rate among small savings schemes.
Eligibility: Girl child below 10 years. Account opened by parent/guardian. One account per girl.
💰 Interest: 8.2% p.a. (Q1 2025). Tax-free maturity. 21-year maturity period.
Pradhan Mantri Matru Vandana Yojana (PMMVY)
₹5,000 maternity benefit for first living child to pregnant and lactating women.
Eligibility: Pregnant and lactating women for first living child. Age 19+. Not central/state govt employees.
💰 ₹5,000 in 3 instalments for first child. ₹6,000 for second child if girl.
Beti Bachao Beti Padhao
Campaign to end gender-biased sex-selective elimination and ensure girl child education and survival.
Eligibility: All girl children, parents, communities.
💰 Financial support, awareness campaigns, Sukanya Samriddhi Account linkage, school incentives.
National Scholarship Portal (NSP)
Single-window portal with 100+ scholarship schemes from pre-matric to post-graduate level for SC/ST/OBC/Minority/EWS students.
Eligibility: SC/ST/OBC/Minority/EWS students at various educational levels with family income limits.
💰 ₹1,000 to ₹20,000+ per year depending on level and category.
