Government Schemes
Complete information on eligibility, benefits, and how to apply for major Indian government welfare schemes.
PM Jeevan Jyoti Bima Yojana — ₹2 Lakh Life Cover at Just ₹436/Year
PM Jeevan Jyoti Bima Yojana (PMJJBY) offers ₹2 lakh life insurance to bank account holders aged 18–50 years at a premium of only ₹436 per year. Check eligibility, claim process, and how to enroll.
Ministry of Finance
PM Rojgar Protsahan Yojana — Government Pays EPF for New Employees
Under PM Rojgar Protsahan Yojana (PMRPY), the government pays the employer's full 12% EPF contribution for 3 years for every new employee earning below ₹15,000/month. Learn eligibility, benefits, and how to register.
Ministry of Labour & Employment
Lakhpati Didi Yojana — ₹1 Lakh/Year for Rural Women
Lakhpati Didi Yojana aims to empower 3 crore rural women to earn at least ₹1 lakh annually. Check eligibility, skills training, and how to apply through Self-Help Groups (SHGs).
Ministry of Rural Development
PM Shram Yogi Maan-dhan (PM-SYM) — ₹3,000 Monthly Pension
PM Shram Yogi Maan-dhan is a pension scheme for unorganized workers like laborers, maids, and drivers. Get a guaranteed ₹3,000 monthly pension after age 60.
Ministry of Labour and Employment
PM SVANidhi Yojana — ₹50,000 Collateral-Free Loan for Street Vendors
PM SVANidhi provides working capital loans up to ₹50,000 to street vendors. Check eligibility, interest subsidy, cashback offers, and how to apply online.
Ministry of Housing and Urban Affairs
Mahila Samman Savings Certificate — 7.5% Interest for Women
The Mahila Samman Savings Certificate is a one-time small savings scheme for women offering an attractive interest rate of 7.5% per annum for a 2-year tenure.
Ministry of Finance
PM Surya Ghar Muft Bijli Yojana — Up to 300 Units Free Electricity
PM Surya Ghar Muft Bijli Yojana provides subsidies for installing solar panels on rooftops, aiming to provide 300 units of free electricity every month.
Ministry of New and Renewable Energy
PM Vishwakarma Yojana — Support for Traditional Artisans and Craftspeople
PM Vishwakarma Yojana provides end-to-end support to artisans and craftspeople, including collateral-free credit, skill training, and a toolkit incentive.
Ministry of Micro, Small and Medium Enterprises
Atal Pension Yojana — Guaranteed Pension for Unorganized Sector Workers
Atal Pension Yojana provides guaranteed monthly pension of ₹1,000–₹5,000 after age 60 to workers in the unorganized sector. Government co-contributes 50% for eligible subscribers.
Ministry of Finance / PFRDA
Ayushman Bharat Yojana — ₹5 Lakh Free Health Cover
Ayushman Bharat PM-JAY provides free health insurance of ₹5 lakh per year to over 50 crore poor and vulnerable Indians. Check eligibility, covered treatments, and how to use your card.
Ministry of Health & Family Welfare
Jan Dhan Yojana — Zero Balance Bank Account for Every Indian
Pradhan Mantri Jan Dhan Yojana provides zero-balance bank accounts with RuPay debit card, ₹2 lakh accident insurance, and ₹10,000 overdraft facility to unbanked Indians.
Ministry of Finance
National Pension System (NPS) — Complete Retirement Planning Guide
NPS is India's voluntary retirement savings scheme offering market-linked returns, tax benefits up to ₹2 lakh, and a guaranteed pension after 60. Open to all Indian citizens aged 18–70.
Ministry of Finance / PFRDA
PM Awas Yojana — Affordable Housing Scheme for All
PM Awas Yojana provides housing subsidy of up to ₹2.67 lakh for first-time homebuyers from EWS, LIG, and MIG categories. Complete guide on eligibility, subsidy amounts, and how to apply.
Ministry of Housing & Urban Affairs
PM Fasal Bima Yojana — Crop Insurance for Farmers
PM Fasal Bima Yojana provides affordable crop insurance to farmers with premium as low as 1.5–2% for food crops. Covers losses from natural calamities, pests, and diseases. Over 5.5 crore farmers insured annually.
Ministry of Agriculture & Farmers Welfare
PM Kisan Samman Nidhi — ₹6,000/Year for Farmers
PM Kisan Samman Nidhi provides ₹6,000 per year in three installments to small and marginal farmers. Check eligibility, how to register, and how to check payment status.
Ministry of Agriculture & Farmers Welfare
PM MUDRA Yojana — Business Loans Up to ₹10 Lakh Without Collateral
PM MUDRA Yojana provides collateral-free business loans of ₹50,000 to ₹10 lakh to small entrepreneurs, shopkeepers, and self-employed individuals through Shishu, Kishore, and Tarun categories.
Ministry of Finance / MUDRA
Sukanya Samriddhi Yojana — Best Savings Scheme for Your Daughter
Sukanya Samriddhi Yojana offers 8.2% tax-free interest for your daughter's future. Open an account with just ₹250. Complete guide on eligibility, benefits, withdrawal rules, and how to open an account.
Ministry of Finance
Ujjwala Yojana — Free LPG Connection for BPL Families
Pradhan Mantri Ujjwala Yojana provides free LPG gas connections to BPL and poor households, replacing harmful cooking fuels with clean LPG. Over 9.5 crore connections provided.
Ministry of Petroleum & Natural Gas
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