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If you spot something out of date or incorrect, please tell us — corrections are made promptly and the verification date is updated.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 instalments of ₹2,000. Twenty-three instalments have been released so far; the 24th has not yet been announced.
PM-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.
e-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.
SSY
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.
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.
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.
APY
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.
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 on retirement or resignation under the Payment of Gratuity Act, 1972, from your last drawn salary 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.