🇮🇳 Official Government Scheme Guide
Find Government Schemes You Qualify For
Check eligibility, get the exact documents list, and apply directly on official government portals.
8 Cr+
Farmer Beneficiaries
🔍
🏥
70+ EXPANSION
Ayushman Bharat (PM-JAY)
Ministry: Health & Family Welfare
Open
Free Health Cover
₹5 Lakh / Year
Free cashless treatment at empanelled government/private hospitals. Expanded in 2026 to cover ALL senior citizens 70+ regardless of income.
👨👩👧👦For:Low Income Families, All Senior Citizens 70+ (Income Free)
📊Impact:43 Crore Cards Issued
📅Since:2018
🌾
e-KYC MANDATORY
PM Kisan Samman Nidhi
Ministry: Agriculture & Farmers Welfare
Open
Direct Cash (Aadhaar Seeded)
₹6,000 / Year
₹2,000 every 4 months directly to farmers' bank accounts. Mandatorily requires active e-KYC and Aadhaar seeding.
🧑🌾For:Small & Marginal Farmers, All Land-Owning Farmers with e-KYC done
📊Impact:8 Crore+ Farmers Benefited
📅Since:2019
🏠
PMAY 2.0 RULES
PM Awas Yojana (PMAY 2.0)
Ministry: Housing & Urban Affairs
Open
ISS 4% Interest Subsidy
Up to ₹1.8 Lakh Subsidy
PMAY-Urban 2.0 offers a 4% interest subsidy on housing loans up to ₹8 Lakh. PMAY-Gramin extended to March 2029.
🏘️For:EWS / LIG Families, Urban Families (Income up to ₹9 Lakh), Rural Homeless Families
📊Impact:3.5 Crore Houses Sanctioned
📅Since:2015
☀️
NEW 2024✨ NEW
PM Surya Ghar Free Electricity
Ministry: New & Renewable Energy
Open
Solar Subsidy + Free Power
Up to ₹78,000 Subsidy
Install solar panels on your rooftop and get up to 300 units free electricity every month plus subsidy.
🏡For:All Homeowners, Residential Electricity Consumers
📊Impact:1 Crore Target Homes
📅Since:2024
💼
₹20L LIMIT
PM Mudra Yojana (PMMY)
Ministry: Finance
Open
No Collateral (Tarun Plus)
Up to ₹20 Lakh
Collateral-free loans for small businesses. Limit enhanced to ₹20 Lakh under Tarun Plus. Pay NO upfront processing fees.
🧑💼For:Small Business Owners, Micro Entrepreneurs, Self-Employed Youth
📊Impact:45 Crore Loans Disbursed
📅Since:2015
🔨
CONCESSIONAL LOAN
PM Vishwakarma Yojana
Ministry: MSME
Open
5% Interest + ₹500/day Stipend
₹15,000 Kit + ₹3 Lakh Loan
For 18 traditional trades. Provides free training with ₹500/day stipend, ₹15,000 toolkit voucher, and 5% concessional loan.
🧑🎨For:Artisans & Craftsmen, 18 Traditional Trades (Carpenter, Potter, Weaver, etc.)
📊Impact:30 Lakh+ Artisans Enrolled
📅Since:2023
👧
8.2% INTEREST
Sukanya Samriddhi Yojana
Ministry: Finance (Post Office)
Open
Q2 2026 EEE Savings
8.2% Annual Interest
Open a savings account for girl children under 10. Highest government-backed rate of 8.2% for Q2 2026 with triple tax benefits (EEE).
👨👧For:Parents of Girl Child (Below 10 years), Legal Guardians
📊Impact:3 Crore+ Accounts Opened
📅Since:2015
🛒
CASHBACK INCENTIVE
PM SVANidhi (Street Vendor Loan)
Ministry: Housing & Urban Affairs
Open
7% Interest Subsidy + Cashback
₹10,000 to ₹50,000
Collateral-free loans in 3 tranches (10k/20k/50k) for street vendors. 7% interest subsidy and ₹100/month digital transaction cashback.
🏪For:Street Vendors (Rehri Patri Wale), Hawkers with ULB Certificate
📊Impact:60 Lakh+ Vendors Supported
📅Since:2020
👩
WOMEN EMPOWERMENT✨ NEW
Subhadra Yojana (Odisha)
Ministry: Women & Child Development, Odisha
Open
₹50,000 Over 5 Years
₹10,000 / Year
₹5,000 twice a year for women aged 21–60 in Odisha. Eligible if annual income < ₹2.5L and does not own a 4-wheeler.
👩👧For:Women Aged 21–60 (Odisha Residents), Family Income Below ₹2.5 Lakhs
📊Impact:1 Crore Women Enrolled
📅Since:2024
🧓
PENSION
Atal Pension Yojana (APY)
Ministry: Finance (PFRDA)
Open
Guaranteed Monthly Pension
₹1,000 to ₹5,000 / Month
Guaranteed pension after age 60. Open to unorganized sector workers aged 18–40. Income Tax payers are NOT eligible.
👴For:Workers in Unorganized Sector, Age 18–40 Years, Non-Income Tax Payers
📊Impact:6 Crore+ Subscribers
📅Since:2015
🎓
MCA INTERNSHIP✨ NEW
PM Internship Scheme
Ministry: Corporate Affairs
Open
₹9,000 Monthly Stipend
₹9,000 Stipend + ₹6K Grant
12-month internship at top 500 companies. Monthly stipend of ₹9,000 (Govt + CSR) plus ₹6,000 one-time grant upon joining.
👨🎓For:Youth Aged 18–24 Years, Passed Class 10/ITI/Diploma/Graduation, Not in full-time education
📊Impact:1 Lakh Internships/Year
📅Since:2024
☀️ PM Surya Ghar: Rooftop Solar Subsidy Calculator
Estimate your solar system size, government subsidy, and monthly savings based on average consumption or roof area.
Required System Size
1.5 kW
Estimated Total Cost
₹70,000 - ₹85,000
Govt Subsidy (MNRE)
₹45,000
Annual Electric Savings
₹15,300
📰 Scheme News & Updates
PM Kisan Samman Nidhi Yojana: 21st Installment Details and Application Status
The government has prepared the process for the 21st installment of the PM Kisan Samman Nidhi Yojana. Farmers are advised to check their status on the official portal.
PM Kisan 21st Installment Date 2026: Check Release Status, Beneficiary List & e-KYC Requirements
The government is set to release the 21st installment of the PM Kisan Samman Nidhi Yojana by June 2026. Farmers must complete their e-KYC and ensure land seeding is verified to receive the ₹2,000 credit directly into their bank accounts.
PM Kisan Samman Nidhi Yojana: 21st Installment Update and Release Details
The government is preparing to release the 21st installment of the PM Kisan Samman Nidhi Yojana, providing financial support to millions of farmers. Ensure your e-KYC is updated to receive the benefit.
PM Kisan 22nd Installment Update: Expected Release Date, E-KYC Requirements, and Eligibility Criteria
The government is expected to release the 22nd installment of PM Kisan Samman Nidhi before the upcoming festive season. Beneficiaries must complete their E-KYC and land seeding to ensure seamless credit of ₹2,000.
Polity and Governance MCQs on Government Missions, Schemes, and Yojanas
Polity and Governance MCQs on Government Missions, Schemes, and Yojanas Jagran Josh
Union Budget 2025-26: Core Scheme Outlays, Fiscal Analysis, and Key Takeaways for Competitive Exams
The Union Budget for fiscal year 2025-26 highlights critical socio-economic initiatives, focusing on agrarian reform, physical infrastructure, and targeted welfare schemes. This strategic update is designed to help civil service aspirants prepare for direct macro-economic questions.
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📝 How to Apply (General Steps)
1
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