People lose benefits they are entitled to because nobody explained the exclusion rules. Clarity before commitment — that is the whole job.
Mirza Seraj Baig is an independent advisor and publisher who works on government and regulatory processes — visa, immigration and corporate structuring — as founder of Henry Club UAE, where he has published more than 90 research guides. Apna Yojana applies the same method to Indian government schemes: read the primary source, state what actually qualifies and disqualifies an applicant, and cite the ministry page it came from with the date it was checked.
Areas covered
- Government and regulatory documentation processes
- Eligibility rules and application procedures
- Central government welfare schemes
- Small savings and pension scheme rules
How this content is researched
Every guide is written from primary sources — ministry portals, Press Information Bureau releases and published scheme guidelines. Figures are never carried over from other websites. Each page lists the sources used and the date they were checked, and is re-verified when rules or rates change.
If you spot something out of date or incorrect, please tell us — corrections are made promptly and the verification date is updated.
Scheme guides
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 installments of ₹2,000. Twenty-three installments have been released so far; the 24th has not yet been announced.
Ayushman card
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.
e-Shram card
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.
Sukanya Samriddhi Yojana
Sukanya Samriddhi Yojana is a small savings account for a girl child that earns 8.2% a year, compounded annually, for July to September 2026. Payments from the account are tax-free, and deposits can be deducted from taxable income if you opt out of the new tax regime.
PM 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. The scheme is open until 31 March 2027.
PM 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.
Atal Pension Yojana
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.
Ladki Bahin Yojana
Maharashtra pays ₹1,500 a month to eligible women aged 21 to 65 whose family income is not more than ₹2.5 lakh a year. Married, widowed, divorced, abandoned and destitute women qualify, and so does one unmarried woman per family.
Gruha Lakshmi
Karnataka pays ₹2,000 a month to the woman named as head of the family on an Antyodaya, BPL or APL ration card. Registration has no closing date, and payments have been going out by Direct Benefit Transfer since 30 August 2023.
Magalir Urimai Thogai
Tamil Nadu pays ₹1,000 a month to women heads of family whose household earns under ₹2.5 lakh a year, by Direct Benefit Transfer. About 1.31 crore women receive it. Launched in 2023 as Kalaignar Magalir Urimai Thittam, it is called Magalir Urimai Thittam in the 2026-27 Policy Note.
Swasthya Sathi
West Bengal's own cashless health cover gives an eligible family up to ₹5 lakh a year for secondary and tertiary hospital care, on a paperless smart card the state issues free. Over 2.42 crore families are covered and treatment is cashless at more than 2,800 empanelled hospitals.
Mahila Rojgar Yojana
Bihar gives one woman in every family ₹10,000 to start a livelihood of her own, with up to ₹2 lakh more later if the enterprise works. The scheme was launched on 26 September 2025, when ₹10,000 was transferred to 75 lakh women at once.
Lakshmir Bhandar
West Bengal pays ₹1,200 a month to women from Scheduled Caste and Scheduled Tribe households and ₹1,000 a month to women of other categories, aged 25 to 60, whose household is enrolled in Swasthya Sathi. The money is credited by Direct Benefit Transfer to a single bank account in the woman's own name.
Subhadra 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.
Mahtari 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 installment of ₹655 crore was released on 10 March 2024.
Kanya 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.
Maiya 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.
Ladli 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 1.25 crore women receive it. There is no fixed payment date: recent installments were paid between the 12th and the 19th of the month.
Calculators
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.
GST 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.
Compound Interest Calculator
Work out what a lump sum grows to with compound interest, and see how much more it earns than simple interest.
EMI Calculator
Calculate the monthly EMI on a home, car or personal loan, and see how much of your total repayment is interest.
RD Calculator
Estimate the maturity value of a recurring deposit at the post office or a bank, from your monthly deposit and the interest rate.
NPS Calculator
Project your National Pension System corpus at 60, the lump sum you can take, and the monthly pension the annuity portion might provide.
Gratuity Calculator
Work out the gratuity payable when your job ends, under the Code on Social Security, 2020, from your wages, other pay and years of service.
PPF 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.
Sukanya 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.
8th Pay Commission Salary Calculator
Estimate a revised basic pay under the 8th Pay Commission from your current basic pay and a fitment factor you choose — none has been announced yet.
DA Arrears Calculator
Work out the dearness allowance arrears due on your basic pay when DA is raised with effect from an earlier date.
Income Tax Calculator
Work out income tax for Tax Year 2026-27 under both the new and the old regime, with the rebate, standard deduction, surcharge and cess applied.
HRA Calculator
Work out how much of your house rent allowance is exempt from tax under rule 279 of the Income-tax Rules, 2026, and how much is taxable.
EPF Calculator
Project your Employees' Provident Fund balance at retirement from your wages, the 12% contributions and the interest rate, credited on the monthly running balance.