Government schemes in India
7 schemes covered so far, grouped by what they are for. Each guide sets out who qualifies, who is specifically excluded, the documents you will need, and the exact steps to apply on the official portal.
Agriculture
Education
Employment
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.
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.
Energy
Financial Inclusion
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 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 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.
Health
Housing
Pension
Skill Development
Social Security
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.
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 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.