Government schemes, explained simply
37 central and 14 state sarkari yojanas: what you get, who can apply, which documents you need, and direct links to apply or check status on the official website. Free, simple, in English and Hindi.
⭐ Most searched schemes
🌾 Farmers & agriculture · PM-KISAN
Pradhan Mantri Kisan Samman Nidhi
✅ ₹6,000 a year, paid straight into your bank account
Direct income support for farmer families who own farmland.
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🏥 Health · Ayushman Card / PM-JAY
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
✅ Free treatment up to ₹5 lakh per family per year
Free hospital treatment for poor families and all seniors aged 70+.
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💼 Jobs, business & workers · Mudra loan
Pradhan Mantri Mudra Yojana
✅ Business loan up to ₹20 lakh without collateral
Loans without collateral to start or grow a small business.
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🏠 Housing · PMAY-U 2.0
Pradhan Mantri Awas Yojana – Urban 2.0
✅ Home-loan interest subsidy up to ₹1.8 lakh, or help to build / buy
Help for urban families to own a pucca house: build, buy, rent, or get a home-loan subsidy.
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💡 Home: electricity, gas & ration · Rooftop solar subsidy
PM Surya Ghar Muft Bijli Yojana
✅ Up to ₹78,000 subsidy + up to 300 units free a month
Subsidy to put solar panels on your roof and cut your electricity bill.
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👩 Women & girls · SSY
Sukanya Samriddhi Yojana
✅ Tax-free savings for your daughter from ₹250 a year
A high-interest, tax-free savings account for a daughter's education and marriage.
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💼 Jobs, business & workers · e-Shram card
e-Shram (National Database of Unorganised Workers)
✅ Free e-Shram card (UAN) + accident insurance cover
Free registration for unorganised workers to reach government welfare schemes.
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🏦 Bank, insurance & pension · APY
Atal Pension Yojana
✅ Guaranteed ₹1,000 to ₹5,000 pension a month from 60
A guaranteed pension, mainly for workers in the unorganised sector.
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📍 State government schemes
Only for people living in that state.
📍 Madhya Pradesh👩 Women & girls · Ladli Behna
Mukhyamantri Ladli Behna Yojana
✅ ₹1,500 a month in the woman's bank account
Monthly money for women in Madhya Pradesh, straight into their own bank account.
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📍 Maharashtra👩 Women & girls · Ladki Bahin
Mukhyamantri Majhi Ladki Bahin Yojana
✅ ₹1,500 a month in the woman's bank account
Monthly money for women in Maharashtra.
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📍 Jharkhand👩 Women & girls · Maiya Samman
Mukhyamantri Maiya Samman Yojana
✅ ₹2,500 a month for women aged 18–50
Monthly money for women aged 18 to 50 in Jharkhand.
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📍 Odisha👩 Women & girls · Subhadra
Subhadra Yojana
✅ ₹10,000 a year (₹50,000 over 5 years)
₹10,000 a year for five years for women in Odisha.
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51 schemes
🌾 Farmers & agriculture · PM-KISAN
Pradhan Mantri Kisan Samman Nidhi
✅ ₹6,000 a year, paid straight into your bank account
Direct income support for farmer families who own farmland.
See details →
🌾 Farmers & agriculture · PMFBY
Pradhan Mantri Fasal Bima Yojana
✅ Crop insurance for just 1.5–5% premium
Low-premium crop insurance against drought, flood, pests and other losses.
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🌾 Farmers & agriculture · KCC
Kisan Credit Card
✅ Farm loan at about 4% interest if repaid on time
Cheap, flexible farm loans for crops, animal husbandry and fisheries.
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🌾 Farmers & agriculture · PM-KMY
Pradhan Mantri Kisan Maandhan Yojana
✅ ₹3,000 pension every month after age 60
A pension scheme for small and marginal farmers.
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🌾 Farmers & agriculture · PM-KUSUM
Pradhan Mantri Kisan Urja Suraksha evam Utthaan Mahabhiyan
✅ Solar pump with up to 60% subsidy
Subsidy for solar irrigation pumps, so farmers don't need diesel or grid power.
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🌾 Farmers & agriculture · Soil Health Card
Soil Health Card Scheme
✅ Free soil test and fertiliser advice for your field
A free soil test that tells you which fertiliser your field needs, and how much.
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🏥 Health · Ayushman Card / PM-JAY
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
✅ Free treatment up to ₹5 lakh per family per year
Free hospital treatment for poor families and all seniors aged 70+.
See details →
🏥 Health · Jan Aushadhi
Pradhan Mantri Bhartiya Janaushadhi Pariyojana
✅ Medicines 50–90% cheaper than branded ones
Quality generic medicines at much lower prices from Jan Aushadhi Kendras.
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🏥 Health · ABHA card
Ayushman Bharat Health Account
✅ Free digital health ID; all your reports in one place
A free 14-digit health ID that keeps your medical records in one place.
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🏥 Health · JSY
Janani Suraksha Yojana
✅ Up to ₹1,400 cash for giving birth in a hospital
Cash help for mothers who give birth in a government or accredited hospital.
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🏥 Health · UDID card
Unique Disability ID Card
✅ Free disability certificate & ID card, valid across India
One disability certificate and ID card, valid all over India.
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🏦 Bank, insurance & pension · PMJDY
Pradhan Mantri Jan Dhan Yojana
✅ Zero-balance bank account + ₹2 lakh accident cover
A free bank account for every household, with insurance and overdraft.
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🏦 Bank, insurance & pension · PMJJBY
Pradhan Mantri Jeevan Jyoti Bima Yojana
✅ ₹2 lakh life cover for ₹436 a year
Very low-cost life insurance through your bank account.
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🏦 Bank, insurance & pension · PMSBY
Pradhan Mantri Suraksha Bima Yojana
✅ ₹2 lakh accident cover for ₹20 a year
Accident insurance for just ₹20 a year.
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🏦 Bank, insurance & pension · APY
Atal Pension Yojana
✅ Guaranteed ₹1,000 to ₹5,000 pension a month from 60
A guaranteed pension, mainly for workers in the unorganised sector.
See details →
🏦 Bank, insurance & pension · PM-SYM
Pradhan Mantri Shram Yogi Maan-dhan
✅ ₹3,000 pension every month after age 60
Pension for unorganised workers such as domestic workers, drivers, vendors and labourers.
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🏦 Bank, insurance & pension · Old age pension
Indira Gandhi National Old Age Pension Scheme (NSAP)
✅ Monthly pension, with states adding their own top-up
Monthly pension for elderly people from BPL families.
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👩 Women & girls · SSY
Sukanya Samriddhi Yojana
✅ Tax-free savings for your daughter from ₹250 a year
A high-interest, tax-free savings account for a daughter's education and marriage.
See details →
👩 Women & girls · PMMVY
Pradhan Mantri Matru Vandana Yojana
✅ ₹5,000 for the first child, ₹6,000 if the second child is a girl
Cash support for pregnant women and new mothers.
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👩 Women & girls · PMUY
Pradhan Mantri Ujjwala Yojana
✅ Free LPG connection + subsidy on refills
Free LPG gas connection for women from poor households.
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💼 Jobs, business & workers · Mudra loan
Pradhan Mantri Mudra Yojana
✅ Business loan up to ₹20 lakh without collateral
Loans without collateral to start or grow a small business.
See details →
💼 Jobs, business & workers
Stand-Up India
✅ Loan of ₹10 lakh to ₹1 crore for a new enterprise
Bank loans for SC/ST and women entrepreneurs starting a new business.
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💼 Jobs, business & workers · PMEGP
Prime Minister's Employment Generation Programme
✅ 15–35% of the project cost as a government subsidy
Subsidy on bank loans to set up a new small business or unit.
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💼 Jobs, business & workers · PM SVANidhi
PM Street Vendor's AtmaNirbhar Nidhi
✅ Collateral-free loans in three steps, up to ₹50,000
Small working-capital loans for street vendors, with interest help and digital cashback.
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💼 Jobs, business & workers
PM Vishwakarma
✅ ₹15,000 toolkit aid + loans up to ₹3 lakh at 5%
Support for traditional artisans and craftspeople: training, tools and cheap loans.
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💼 Jobs, business & workers · MGNREGA / NREGA
Mahatma Gandhi National Rural Employment Guarantee Act
✅ At least 100 days of paid work a year for every rural household
A legal right to paid work in villages.
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💼 Jobs, business & workers · e-Shram card
e-Shram (National Database of Unorganised Workers)
✅ Free e-Shram card (UAN) + accident insurance cover
Free registration for unorganised workers to reach government welfare schemes.
See details →
💼 Jobs, business & workers
PM Internship Scheme
✅ ₹5,000 a month + ₹6,000 one-time grant
Paid 12-month internships in India's top companies for young people.
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💼 Jobs, business & workers · PM-VBRY
Pradhan Mantri Viksit Bharat Rozgar Yojana
✅ Up to ₹15,000 for your first PF job, in 2 instalments
Cash reward for people who get their first job with PF (EPF).
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💼 Jobs, business & workers · PMKVY
Pradhan Mantri Kaushal Vikas Yojana 4.0
✅ Free skill training with a government certificate
Free short skill courses with a government certificate, to help you get a job.
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🎓 Education & scholarships · NSP
National Scholarship Portal
✅ Scholarships for school and college students, in one place
One website to apply for central and state government scholarships.
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🎓 Education & scholarships
PM Vidyalaxmi
✅ Collateral-free education loan + 3% interest help
Education loans without collateral or guarantor for students of top institutions.
See details →
💡 Home: electricity, gas & ration · Rooftop solar subsidy
PM Surya Ghar Muft Bijli Yojana
✅ Up to ₹78,000 subsidy + up to 300 units free a month
Subsidy to put solar panels on your roof and cut your electricity bill.
See details →
💡 Home: electricity, gas & ration · Free ration
Pradhan Mantri Garib Kalyan Anna Yojana (free ration under NFSA)
✅ 5 kg free grain per person every month (35 kg for Antyodaya families)
Free food grains every month for ration card holders under the National Food Security Act.
See details →
🏠 Housing · PMAY-U 2.0
Pradhan Mantri Awas Yojana – Urban 2.0
✅ Home-loan interest subsidy up to ₹1.8 lakh, or help to build / buy
Help for urban families to own a pucca house: build, buy, rent, or get a home-loan subsidy.
See details →
🏠 Housing · PMAY-G
Pradhan Mantri Awaas Yojana – Gramin
✅ ₹1.2 lakh (plains) / ₹1.3 lakh (hilly areas) to build a house
Money to build a pucca house for houseless and kutcha-house families in villages.
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💡 Home: electricity, gas & ration · SBM toilet
Swachh Bharat Mission (Grameen): toilet incentive
✅ ₹12,000 to build a toilet at home (villages)
Money for village families to build a toilet at home.
See details →
📍 Madhya Pradesh👩 Women & girls · Ladli Behna
Mukhyamantri Ladli Behna Yojana
✅ ₹1,500 a month in the woman's bank account
Monthly money for women in Madhya Pradesh, straight into their own bank account.
See details →
📍 Madhya Pradesh👩 Women & girls · Ladli Laxmi
Mukhyamantri Ladli Laxmi Yojana
✅ ₹1,43,000 for a daughter, in stages up to age 21
Money for a daughter's education, from school to age 21.
See details →
📍 Maharashtra👩 Women & girls · Ladki Bahin
Mukhyamantri Majhi Ladki Bahin Yojana
✅ ₹1,500 a month in the woman's bank account
Monthly money for women in Maharashtra.
See details →
📍 Maharashtra👩 Women & girls · Lek Ladki
Lek Ladki Yojana
✅ ₹1,01,000 for a daughter, in 5 stages
Money for daughters of poor families in Maharashtra, from birth to age 18.
See details →
📍 Jharkhand👩 Women & girls · Maiya Samman
Mukhyamantri Maiya Samman Yojana
✅ ₹2,500 a month for women aged 18–50
Monthly money for women aged 18 to 50 in Jharkhand.
See details →
📍 Odisha👩 Women & girls · Subhadra
Subhadra Yojana
✅ ₹10,000 a year (₹50,000 over 5 years)
₹10,000 a year for five years for women in Odisha.
See details →
📍 Chhattisgarh👩 Women & girls · Mahtari Vandan
Mahtari Vandan Yojana
✅ ₹1,000 a month (₹12,000 a year)
Monthly money for married women in Chhattisgarh.
See details →
📍 Karnataka👩 Women & girls · Gruha Lakshmi
Gruha Lakshmi Scheme
✅ ₹2,000 a month for the woman head of the family
Monthly money for the woman who is head of the family in Karnataka.
See details →
📍 Tamil Nadu👩 Women & girls · Magalir Urimai ₹1,000
Kalaignar Magalir Urimai Thogai
✅ ₹1,000 a month for the woman head of the family
Monthly money for women heads of family in Tamil Nadu.
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📍 Haryana👩 Women & girls · Lado Lakshmi
Deen Dayal Lado Lakshmi Yojana
✅ ₹2,100 a month for eligible women
Monthly money for women from low-income families in Haryana.
See details →
📍 Uttar Pradesh👩 Women & girls · Kanya Sumangala
Mukhyamantri Kanya Sumangala Yojana
✅ ₹25,000 for a daughter, in 6 stages
Money for daughters in Uttar Pradesh, from birth to college.
See details →
📍 Rajasthan🏥 Health · MAA Yojana
Mukhyamantri Ayushman Arogya Yojana
✅ Free treatment up to ₹25 lakh a year per family
Rajasthan's health cover (earlier called Chiranjeevi): free treatment in listed hospitals.
See details →
📍 Andhra Pradesh🌾 Farmers & agriculture · Annadata Sukhibhava
Annadata Sukhibhava
✅ ₹20,000 a year (₹14,000 state + ₹6,000 PM-KISAN)
Andhra Pradesh's income support for farmers, on top of PM-KISAN.
See details →
📍 Telangana🌾 Farmers & agriculture · Rythu Bharosa
Rythu Bharosa
✅ ₹12,000 per acre a year
Telangana's investment support for farmers, per acre of cultivable land (earlier Rythu Bandhu).
See details →
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Browse by category
🌾 Farmers & agriculture (8)
Income support, crop insurance, farm loans and pension for farmers.
🏥 Health (6)
Free treatment, health cover and cheaper medicines.
🏦 Bank, insurance & pension (6)
Bank accounts, low-cost insurance and pension for everyone.
👩 Women & girls (14)
Savings for daughters, maternity support and free LPG connections.
💼 Jobs, business & workers (10)
Business loans, employment, internships and support for workers and artisans.
🎓 Education & scholarships (2)
Scholarships and education loans for students.
🏠 Housing (2)
Pucca houses, housing lotteries and home-loan subsidy.
💡 Home: electricity, gas & ration (3)
Free ration, rooftop solar and household support.
🏢 Housing lotteries & plot schemes
MHADA, CIDCO, DDA, YEIDA and 40+ authorities, updated every hour.