Government Scheme Directory

Explore active public welfare programs across Indian ministries and state departments.

CentralAgriculture & Rural

Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)

Ministry of Agriculture and Farmers Welfare

Central sector scheme providing ₹6,000 yearly income support directly to landholding farmer families across India in three 4-monthly tranches.

Benefit
₹6,000 / year
Ongoing enrollment
Education & Learning

Centrally Sponsored Post-Matric Scholarship for SC Students

Ministry of Social Justice and Empowerment

Comprehensive financial assistance for Scheduled Caste students pursuing post-matriculation or post-secondary degrees, diplomas, or professional studies.

Benefit
100% Tuition Fee + up to ₹13,500/yr stipend
October 31, 2026
CentralBusiness & Entrepreneurship

Pradhan Mantri MUDRA Yojana (PMMY)

Ministry of Finance / DFS

Collateral-free institutional business loans up to ₹20 Lakh across Shishu, Kishore, and Tarun categories for non-farm income-generating enterprises.

Benefit
Up to ₹20,00,000 collateral-free loan
Ongoing throughout the year
Housing & Shelter

Financial assistance for construction of permanent pucca houses with basic amenities for homeless and kutcha house residents in rural areas.

Benefit
₹1,20,000 - ₹1,30,000 + MGNREGA wages
Active phase through 2029
Health & Wellness

Ayushman Bharat PM-JAY (Health Insurance)

Ministry of Health and Family Welfare / NHA

World’s largest health assurance scheme providing ₹5 Lakh per family per year for secondary and tertiary care hospitalization across India.

Benefit
₹5,00,000 / family / year cover
Continuous enrollment
CentralBusiness & Entrepreneurship

Facilitates bank loans between ₹10 Lakh and ₹1 Crore to SC, ST, and women borrowers setting up greenfield manufacturing, service, or trading enterprises.

Benefit
₹10 Lakh to ₹1 Crore credit
Active through 2028
CentralSkill & Employment

PM Vishwakarma Scheme for Artisans & Craftspeople

Ministry of Micro, Small and Medium Enterprises (MSME)

End-to-end support for traditional artisans working across 18 family-based trades including carpentry, blacksmithing, pottery, sculpting, and tailoring.

Benefit
₹15,000 Toolkit + up to ₹3 Lakh loan @ 5%
Active multi-year roll-out
CentralWomen and Child

Sukanya Samriddhi Yojana (Beti Bachao Beti Padhao)

Ministry of Women and Child Development / Finance

Government small savings scheme for parents of girl children with high compounding tax-free interest for higher education and marriage.

Benefit
8.2% p.a. Tax-Free Compounding Interest
Open until child turns 10
CentralBusiness & Entrepreneurship

PM SVANidhi (Micro-Credit for Street Vendors)

Ministry of Housing and Urban Affairs (MoHUA)

Working capital micro-credit to urban and peri-urban street vendors to rebuild and grow their informal vending livelihoods.

Benefit
Up to ₹50,000 loan + 7% interest subsidy
Active nationwide
MaharashtraEducation & Learning

Maharashtra Rajarshi Shahu Maharaj Shikshan Shulkh Shishyavrutti

Higher and Technical Education Department, Govt of Maharashtra

Provides 50% tuition and examination fee reimbursement to economically weaker General, EWS, and OBC students in recognized higher education courses in Maharashtra.

Benefit
50% College Tuition & Exam Fee waiver
December 31, 2026
Uttar PradeshWomen and Child

Uttar Pradesh Mukhya Mantri Kanya Sumangala Yojana

Women and Child Development Department, Govt of Uttar Pradesh

Conditional cash transfer in Uttar Pradesh providing ₹25,000 across 6 educational and health milestones from birth to graduation.

Benefit
₹25,000 milestone cash grant
Open round the year
KarnatakaSkill & Employment

Karnataka Yuva Nidhi Scheme (Unemployment Allowance)

Department of Skill Development, Govt of Karnataka

Monthly unemployment allowance and free industry skill training to educated graduates from Karnataka institutions seeking jobs.

Benefit
₹3,000/mo (Degree) or ₹1,500/mo (Diploma)
Ongoing for eligible batches
CentralSocial Welfare & Empowerment

Atal Pension Yojana (APY)

Ministry of Finance / PFRDA

Government-backed pension scheme for workers in the unorganized sector providing a guaranteed monthly pension of ₹1,000 to ₹5,000 after age 60.

Benefit
₹1,000 to ₹5,000 / month guaranteed pension
Always open for age 18-40
CentralBusiness & Entrepreneurship

Credit-linked capital subsidy scheme providing up to 35% government subsidy for setting up new micro-enterprises in manufacturing (up to ₹50L) and service sectors (up to ₹20L).

Benefit
Up to 35% Capital Subsidy on ₹50L project
Year-round application
Agriculture & Rural

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Ministry of Agriculture and Farmers Welfare

Comprehensive crop insurance covering yield losses due to non-preventable natural risks (drought, flood, pests, storms) at ultra-low farmer premium rates.

Benefit
Up to 100% Insured Sum Claim Cover
Seasonal (July 31 for Kharif; Dec 31 for Rabi)
CentralEducation & Learning

Central Sector Scheme of Scholarship for College & University Students (PM-USP)

Department of Higher Education, Ministry of Education

Merit-cum-means scholarship for meritorious college students who scored above the 80th percentile in 12th Board examinations.

Benefit
₹12,000 to ₹20,000 / year stipend
October 31, 2026
Housing & Shelter

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

Ministry of Housing and Urban Affairs (MoHUA)

Interest subsidy and direct financial assistance for building or buying affordable pucca homes in urban statutory towns.

Benefit
Up to ₹2,50,000 subsidy / loan interest relief
Active phase through 2029
CentralSkill & Employment

Pradhan Mantri Kaushal Vikas Yojana (PMKVY 4.0)

Ministry of Skill Development and Entrepreneurship (MSDE)

Free industry-aligned short-term skill certification, job placement assistance, and monetary reward for school/college dropouts and unemployed youth.

Benefit
100% Free Training + NSQF Certificate + Placement
Batches enrolling continuously
CentralWomen and Child

Pradhan Mantri Ujjwala Yojana (PMUY 2.0)

Ministry of Petroleum and Natural Gas

Provides deposit-free LPG connection along with free first refill and hotplate stove to adult women from poor and deprived households.

Benefit
Free LPG Connection + ₹300/cylinder subsidy
Ongoing enrollment
Agriculture & Rural

Pradhan Mantri Matsya Sampada Yojana (PMMSY)

Department of Fisheries, Ministry of Fisheries, Animal Husbandry & Dairying

Government financial assistance of 40% to 60% for fish farming, aquaculture ponds, biofloc units, fish feed mills, and refrigerated transport vans.

Benefit
40% - 60% Government Capital Subsidy
Annual state call for proposals
CentralEducation & Learning

Scholarship support to girl students belonging to notified minority communities (Muslims, Christians, Sikhs, Buddhists, Jains, Parsis) studying in Class 9 to 12.

Benefit
₹5,000 to ₹6,000 / year
November 15, 2026
CentralSocial Welfare & Empowerment

ADIP Scheme (Assistance to Disabled Persons for Assistive Aids)

Department of Empowerment of Persons with Disabilities, MoSJE

Free modern assistive aids, motorized tricycles, braille kits, hearing aids, prosthetics, and cochlear implants to differently-abled persons.

Benefit
100% Free Assistive Devices / ₹6L Cochlear cover
Ongoing district distribution camps
RajasthanHealth & Wellness

Rajasthan Mukhya Mantri Ayushman Arogya Yojana

Medical and Health Department, Govt of Rajasthan

State flagship health assurance cover providing up to ₹25 Lakh cashless treatment cover per family per year in empaneled hospitals in Rajasthan.

Benefit
Up to ₹25,00,000 / family / year cover
Annual renewal for paid category
DelhiEducation & Learning

Delhi Higher Education & Skill Development Credit Guarantee Scheme

Department of Training & Technical Education, Govt of NCT of Delhi

Collateral-free, third-party-guarantee-free educational loan up to ₹10 Lakh for students pursuing higher education in Delhi with Delhi Govt acting as guarantor.

Benefit
Up to ₹10,00,000 collateral-free education loan
Open throughout academic session
Madhya PradeshWomen and Child

Madhya Pradesh Mukhya Mantri Ladli Behna Yojana

Women and Child Development Department, Govt of Madhya Pradesh

Monthly unconditional direct cash transfer of ₹1,250 credited directly into the bank accounts of adult women in Madhya Pradesh to foster economic independence.

Benefit
₹1,250 / month (₹15,000 / year)
Periodic camp drives