Every figure checked against an official government source
Government schemes, explained plainly — with the official link on every page
Who qualifies, which documents you need, how to apply, and what to do when a payment is stuck. Plus free calculators for EMI, PPF, gratuity and more. No agents, no fees — just the facts and the real portal.
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Central government schemes
View allEligibility, exclusions, documents and the application process for India’s largest welfare and savings schemes — open in every state.
PM-KISAN
PM-KISAN gives land-holding farmer families income support of ₹6,000 a year, paid directly into their bank accounts in three equal instalments of ₹2,000. Twenty-three instalments have been released so far; the 24th has not yet been announced.
Central schemePM-JAY
PM-JAY gives eligible families health cover of ₹5 lakh per family per year for hospitalisation, cashless at empanelled hospitals. Since October 2024 every citizen aged 70 or above qualifies regardless of income, through the Ayushman Vay Vandana card.
Central schemee-Shram
e-Shram registers unorganised workers aged 16 to 59 on a national database and issues a Universal Account Number card, which is used as a single entry point to a set of central social security schemes.
Central schemeSSY
Sukanya Samriddhi Yojana is a small savings account for a girl child that currently earns 8.2% a year, compounded annually, with deposits qualifying for a deduction under Section 80C.
Central schemePM Surya Ghar
PM Surya Ghar pays a central subsidy towards rooftop solar for households — ₹30,000 for a 1 kW system, ₹60,000 for 2 kW and ₹78,000 for 3 kW or larger — so families can generate their own electricity.
Central schemePM Vishwakarma
PM Vishwakarma supports traditional artisans and craftspeople in 18 trades with skill training and a ₹500 daily stipend, a ₹15,000 toolkit grant, and collateral-free loans of up to ₹3 lakh at a 5% interest rate.
Central schemeAPY
Atal Pension Yojana gives subscribers a central-government-guaranteed monthly pension of ₹1,000 to ₹5,000 from the age of 60, in return for regular contributions made from the age they join until 60.
State government schemes
Schemes by stateCash-transfer and welfare schemes run by individual states. Each guide names the state, the exact amount and who is excluded.
Ladki Bahin Yojana
Maharashtra pays ₹1,500 a month to eligible women aged 21 to 65 whose family income is below ₹2.5 lakh a year. About 2.48 crore women have received payments since the scheme began in June 2024.
OdishaSubhadra Yojana
Odisha pays eligible women aged 21 to 60 ₹10,000 a year — ₹5,000 on International Women's Day and ₹5,000 on Rakhi Purnima — for five years, a total of ₹50,000. More than one crore women are expected to be covered.
ChhattisgarhMahtari Vandan Yojana
Chhattisgarh pays ₹1,000 a month to married women aged 21 and above — including widowed, divorced and deserted women — by Direct Benefit Transfer. Around 70 lakh women are covered; the first instalment of ₹655 crore was released on 10 March 2024.
Uttar PradeshKanya Sumangala Yojana
Uttar Pradesh pays a girl child ₹25,000 in six stages from birth to graduation — ₹5,000 at birth, ₹2,000 on full immunisation, ₹3,000 each on entering class 1 and class 6, ₹5,000 on entering class 9, and ₹7,000 on enrolling in a degree or two-year diploma. Family income must be ₹3 lakh or less.
JharkhandMaiya Samman Yojana
Jharkhand pays ₹2,500 a month to women aged 18 to 50 from ration-card-holding families, by Direct Benefit Transfer to an Aadhaar-linked account in the woman's own name. Applications are taken at camps across the state.
Madhya PradeshLadli Behna Yojana
Madhya Pradesh pays ₹1,500 a month to eligible married women aged 21 to 59 from families earning up to ₹2.5 lakh a year. The amount was ₹1,000 at launch in 2023 and rose to ₹1,500 from November 2025; about 1.26 crore women receive it, usually around the 10th of each month.
Free calculators
All calculatorsWork out what you are actually owed — gratuity on leaving a job, the maturity value of a PPF account, your loan EMI, or what a Sukanya Samriddhi account will be worth at 21 years. Nothing you type leaves your browser.
SWP Calculator
See how long a lump sum lasts when you withdraw a fixed amount every month, and what is left at the end of the period.
TaxGST Calculator
Add or remove GST at the current rates, and split the tax into CGST and SGST or IGST depending on the type of supply.
SavingsCompound Interest Calculator
Work out what a lump sum grows to with compound interest, and see how much more it earns than simple interest.
LoanEMI Calculator
Calculate the monthly EMI on a home, car or personal loan, and see how much of your total repayment is interest.
SavingsRD Calculator
Estimate the maturity value of a recurring deposit at the post office or a bank, from your monthly deposit and the interest rate.
RetirementNPS Calculator
Project your National Pension System corpus at 60, the lump sum you can take, and the monthly pension the annuity portion might provide.
SalaryGratuity Calculator
Work out the gratuity payable on retirement or resignation under the Payment of Gratuity Act, 1972, from your last drawn salary and years of service.
SavingsPPF Calculator
Project the maturity value of a Public Provident Fund account from your yearly deposit, the notified interest rate and the number of years you stay invested.
SavingsSukanya Samriddhi Yojana Calculator
Estimate the maturity amount of a Sukanya Samriddhi Account from your yearly deposit and the notified interest rate, over the scheme's 15-year deposit period and 21-year term.
Find schemes in your state
All 36 states & UTsCentral schemes apply everywhere, but states run their own programmes and set their own documentation rules. Pick your state to see what applies where you live.
Why you can trust these pages
Editorial policyEach page ends with the government sources it was written from, and the date we checked them.
We are not a government body and take no documents or fees. Every page sends you to the official portal.
Exclusion rules are listed as prominently as eligibility, because a rejected application wastes weeks.
Interest rates change every quarter and scheme amounts get revised — we show when each figure was last verified.