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🏠 Housing, Energy and Basic Facilities
1. Pradhan Mantri Awas Yojana – Gramin (PMAY-G)
📖 About the Scheme: A rural housing assistance scheme for eligible rural households living in inadequate housing or without a proper house, subject to the applicable beneficiary-selection rules.
💰 Benefits: Financial assistance generally ₹1.20 lakh in plain areas and ₹1.30 lakh in specified hilly and difficult areas, subject to current scheme rules.
✅ Eligibility: Rural households selected under the applicable housing deprivation and verification criteria.
📄 Documents: Aadhaar or accepted identity details, bank account information, job card where applicable, land or housing-related records where required, and other documents requested during verification.
🖥️ Application & Status: Beneficiary identification is generally conducted through the authorised rural housing process, Gram Panchayat and concerned Rural Development authorities. Do not promise an unrestricted self-registration process. Check status through the official system or concerned department.
2. Pradhan Mantri Awas Yojana – Urban 2.0 (PMAY-U 2.0)
📖 About the Scheme: An urban housing programme for eligible families in the Economically Weaker Section (EWS), Low Income Group (LIG) and Middle Income Group (MIG), under the applicable vertical and eligibility conditions.
💰 Benefits: Assistance varies according to the applicable vertical, location, income group and housing component. Under the BLC/AHP component, eligible beneficiaries may receive central assistance of up to ₹1.5 lakh, with applicable state or UT contributions. Interest Subsidy Scheme benefits are subject to the current guidelines and loan conditions.
✅ Eligibility: Income, existing house ownership, previous housing benefits, property location and other applicable criteria must be verified.
📄 Documents: Aadhaar, income proof or declaration, bank details, address proof, land/property documents where applicable, and loan documents for the relevant component.
🖥️ How to Apply: Apply through the official PMAY-U 2.0 portal or the designated urban local body, depending on the component.
3. Pradhan Mantri Ujjwala Yojana (PMUY)
📖 About the Scheme: A scheme that provides deposit-free LPG connections to eligible adult women from poor households that do not already have an LPG connection in the household, subject to the applicable eligibility rules.
💰 Benefits: Deposit-free LPG connection support under the scheme. Assistance for eligible connection-related equipment according to the applicable rules. Targeted LPG subsidy for eligible PMUY consumers under the current government-approved subsidy provisions. Access to domestic LPG through authorised distributors.
✅ Eligibility: Applicant must be an adult woman. Household must meet the scheme's eligibility requirements. No existing LPG connection should be present in the household under the applicable rules. The applicant must provide the required declaration and accepted identity and household documents.
📄 Documents: Aadhaar card or accepted identity document, Ration card or other accepted family-composition document, Address proof where required, Bank account details, Mobile number, Deprivation or eligibility declaration where applicable.
🖥️ How to Apply: 1. Visit the official PMUY website. 2. Select the new LPG connection application option. 3. Choose an authorised LPG provider. 4. Complete the application and upload the requested documents. 5. Alternatively, visit an authorised LPG distributor. 6. Complete verification and follow the distributor's instructions.
4. PM Surya Ghar: Muft Bijli Yojana
📖 About the Scheme: A rooftop solar programme supporting eligible residential electricity consumers in installing rooftop solar systems.
💰 Benefits: Central financial assistance for eligible residential rooftop solar installations. Subsidy generally calculated at ₹30,000 per kW for the first 2 kW and ₹18,000 per additional kW, subject to the scheme ceiling and applicable rules. For most eligible states and UTs, the standard subsidy ceiling is ₹78,000 for systems of 3 kW or more. Potential savings on electricity bills, depending on solar generation, consumption and applicable billing rules.
✅ Eligibility: Residential electricity consumer. Suitable rooftop and eligible electricity connection. Installation through the approved process and eligible vendors. Compliance with technical and scheme requirements.
📄 Documents: Electricity consumer number or bill, Mobile number, Bank account details, Other information requested during registration and subsidy processing.
🖥️ How to Apply: 1. Visit the official portal. 2. Register using the electricity consumer details. 3. Apply for rooftop solar. 4. Select an eligible registered vendor. 5. Complete installation and inspection. 6. Submit bank details and the required redemption/subsidy request.
5. Swachh Bharat Mission (SBM)
📖 About the Scheme: A national sanitation programme with rural and urban components.
💰 Benefits: Supports sanitation infrastructure, waste management and eligible household toilet assistance under the applicable rural or urban component.
✅ Eligibility & Application: Conditions, financial assistance and application processes differ between SBM-Gramin and SBM-Urban and depend on local implementation. Contact the Gram Panchayat, Rural Development Department or concerned urban local body.
6. Jal Jeevan Mission
📖 About the Scheme: A rural drinking-water programme aimed at providing functional household tap-water connections and improving drinking-water services.
⚠️ Important: It is primarily an infrastructure and public-service programme, not a universal direct-cash benefit for individual applicants.
🖥️ How to Access: Contact the local Panchayat or Public Health Engineering Department for connection-related issues and service information.
🌾 Agriculture and Farmers
1. PM-KISAN Samman Nidhi
📖 About the Scheme: Income-support assistance for eligible landholding farmer families, subject to scheme exclusions and verification.
💰 Benefits: ₹6,000 annually, generally paid in three instalments of ₹2,000.
✅ Eligibility: Eligible landholding farmer families, subject to exclusions for specified higher-income, institutional and other categories.
📄 Documents: Aadhaar, Bank account details, Land records, Mobile number, Other required verification details.
🖥️ How to Apply: Use the official registration facility and complete the required e-KYC and land-record verification.
2. Pradhan Mantri Fasal Bima Yojana (PMFBY)
📖 About the Scheme: A crop-insurance programme protecting eligible farmers against specified crop losses under notified insurance arrangements.
💰 Benefits: Insurance against covered risks such as specified natural calamities, pests and diseases. Compensation subject to notified crops, insured area, policy conditions and assessment rules. Premium rates for farmers are generally capped at 2% for Kharif food and oilseed crops, 1.5% for Rabi food and oilseed crops and 5% for annual commercial and horticultural crops, with applicable government support.
📄 Documents: Aadhaar, bank details, land or cultivation records, crop details and other documents required by the current enrolment process.
🛠️ Business, Self-Employment and Loans
1. PM Vishwakarma Yojana
📖 About the Scheme: A Central Government scheme supporting eligible traditional artisans and craftspeople working in specified family-based traditional trades.
💰 Benefits: Recognition through a PM Vishwakarma certificate and identity card. Skill assessment and training. Training stipend of ₹500 per day during eligible training. Toolkit incentive of up to ₹15,000, subject to scheme rules. Collateral-free enterprise loans up to ₹3 lakh in two tranches: ₹1 lakh and ₹2 lakh, subject to eligibility and repayment conditions. Concessional interest rate of 5% for eligible scheme loans. Digital transaction incentives and marketing support under applicable provisions.
✅ Eligibility: Applicant must be at least 18 years old at registration. Must work in an eligible traditional trade specified by the scheme. Must satisfy the family and government-employment restrictions. Other restrictions relating to previous similar credit schemes and family benefits apply. Registration and verification by the designated authorities are required.
📄 Documents: Aadhaar card, Mobile number, Bank account details, Ration card or other family details as required, Additional information requested during registration and verification.
🖥️ How to Apply: 1. Visit the official PM Vishwakarma portal. 2. Contact a Common Service Centre for assisted registration, where required. 3. Complete Aadhaar-based authentication. 4. Select the eligible trade and provide the required details. 5. Complete local verification and approval. 6. Follow the instructions for training, toolkit incentives and credit assistance.
2. Pradhan Mantri MUDRA Yojana (PMMY)
📖 About the Scheme: A credit programme supporting eligible micro and small businesses through participating banks, NBFCs and other authorised lending institutions.
💰 Loan Categories:
- Shishu: Loans up to ₹50,000.
- Kishor: Loans above ₹50,000 and up to ₹5 lakh.
- Tarun: Loans above ₹5 lakh and up to ₹10 lakh.
- Tarun Plus: Loans above ₹10 lakh and up to ₹20 lakh for eligible borrowers who have successfully repaid a previous Tarun loan, subject to applicable conditions.
✅ Eligible Activities: Manufacturing, trading, services and eligible allied agricultural activities.
📄 Documents: Aadhaar and PAN (as applicable), Address proof, Business details or project report, Bank statements (where required), Quotations, licences and financial documents (where applicable).
🖥️ How to Apply: Approach a participating bank or authorised lending institution, submit the application and project/business documents, and complete the lender's assessment.
⚠️ Important: A MUDRA loan is not a guaranteed subsidy or automatic grant. Approval, interest rate and repayment conditions depend on the lender.
3. Prime Minister's Employment Generation Programme (PMEGP)
📖 About the Scheme: A credit-linked subsidy programme supporting eligible new micro-enterprises in manufacturing and service activities.
💰 Benefits: Project-cost ceiling generally up to ₹50 lakh for manufacturing. Project-cost ceiling generally up to ₹20 lakh for business/service activities. Margin-money subsidy varies by beneficiary category and rural/urban location. General-category subsidy is generally 15% in urban areas and 25% in rural areas. Special-category subsidy is generally 25% in urban areas and 35% in rural areas, subject to the applicable rules.
✅ Eligibility: Applicant generally must be at least 18 years old. Scheme is primarily for eligible new units. Educational qualification conditions apply above specified project-cost thresholds. Existing units and units that have already received incompatible government subsidies may be ineligible.
📄 Documents: Aadhaar, PAN, Project report, Educational qualification certificate where required, Category certificate where applicable, Rural-area certificate where required, Bank and other documents requested by the portal or implementing agency.
🖥️ How to Apply: Apply through the official PMEGP e-portal, submit the project details, choose the relevant implementing agency and complete the bank appraisal and mandatory training requirements.
4. PM SVANidhi
📖 About the Scheme: A working-capital loan programme for eligible street vendors, subject to the latest approved scheme guidelines.
💰 Benefits: Collateral-free working-capital loan assistance. Interest subsidy and digital-transaction incentives under applicable rules. Access to subsequent loan tranches for eligible borrowers who meet the repayment and other conditions.
✅ Eligibility & Documents: Street vendors must satisfy the applicable identification and eligibility requirements through the designated local authority and scheme process. Requires Certificate of Vending or Letter of Recommendation (where applicable), Identity and mobile details, Bank details.
5. Stand-Up India Scheme
📖 About the Scheme: A credit programme originally designed to facilitate bank loans for eligible SC/ST and women entrepreneurs setting up greenfield enterprises.
⚠️ Current Status Notice (2026): The Stand-Up India scheme officially ended in March 2025. While the Finance Minister announced in March 2026 that a modified and expanded successor scheme is being drafted for SC/ST and women entrepreneurs, the new guidelines and relaunch have not been officially implemented as of late 2026. Please verify the current application availability with your local bank branch before proceeding, as new loans under this specific name may not currently be processed.
6. Startup India
📖 About the Scheme: A national initiative supporting eligible startups through recognition, information, facilitation and access to specified benefits under applicable policies.
💰 Benefits: Eligible startups may access recognised tax benefits, intellectual-property support, funding-related programmes and other facilitation measures where separately approved.
⚠️ Important: Startup India recognition does not automatically guarantee a grant or loan.
👷 Employment, Skills and Labour Welfare
1. Pradhan Mantri Shram Yogi Maandhan (PM-SYM)
📖 About the Scheme: A voluntary contributory pension scheme for eligible unorganised workers.
💰 Benefits: Assured monthly pension of ₹3,000 after age 60, subject to the scheme's conditions.
✅ Eligibility: Generally for eligible unorganised workers aged 18–40 with monthly income up to ₹15,000 who are not covered by the specified excluded pension schemes or income-tax conditions.
🖥️ How to Apply: Use an authorised enrolment centre or the official scheme facility.
2. National Career Service (NCS)
📖 About the Scheme: A national employment-services platform offering job-search, career counselling and employment-related information.
💰 Benefits: Job search and registration. Employer and vacancy information. Career counselling and related services. Access to eligible employment events and job fairs.
🖥️ How to Apply: Register and use the official portal.
3. PM Kaushal Vikas Yojana (PMKVY)
📖 About the Scheme: A skill-development programme supporting eligible vocational training and certification under the currently operational phase and guidelines.
💰 Benefits: Training and assessment for eligible courses, subject to available centres and current scheme provisions.
🖥️ How to Apply: Check the current course and training-centre availability through the official skill-development portal.
👩 Women and Child Welfare
1. Sukanya Samriddhi Yojana (SSY)
📖 About the Scheme: A small-savings scheme for eligible girl children.
💰 Benefits: Government-notified interest on eligible deposits, tax treatment under applicable law and maturity benefits under the scheme rules.
✅ Eligibility: Generally, an account can be opened for a girl child before she reaches 10 years of age, subject to the account rules.
🖥️ How to Apply: Visit an authorised post office or participating bank.
2. Pradhan Mantri Matru Vandana Yojana (PMMVY)
📖 About the Scheme: A maternity-benefit programme providing financial assistance to eligible pregnant and lactating women.
💰 Benefits: ₹5,000 for an eligible first living child and ₹6,000 for an eligible second living child if the child is a girl, subject to applicable eligibility, registration and payment conditions.
🖥️ How to Apply: Contact the designated Anganwadi Centre or health facility.
🏥 Health and Medical Assistance
1. Ayushman Bharat PM-JAY
📖 About the Scheme: A national health-assurance scheme providing cashless hospitalisation for eligible beneficiaries.
💰 Benefits: Coverage up to ₹5 lakh per eligible family per year under the applicable scheme and beneficiary rules.
⚠️ Important for J&K Residents: While the national PM-JAY applies to specific socio-economic categories nationwide, Jammu & Kashmir runs a universal extension called the AB PM-JAY SEHAT Scheme. This ensures coverage is extended to all residents of J&K who undergo the required verification, independent of the national SECC limitations.
👴 Pension, Insurance and Financial Inclusion
1. Pradhan Mantri Jan-Dhan Yojana (PMJDY)
📖 About the Scheme: A financial-inclusion scheme enabling eligible individuals to access basic banking services.
💰 Benefits: Basic savings bank account. No minimum balance requirement for a basic PMJDY account. RuPay debit card and eligible accident-insurance benefits subject to applicable conditions. Access to eligible government benefit transfers and other banking services.
📄 Documents: Aadhaar or another officially accepted document under applicable banking KYC rules.
🖥️ How to Apply: Visit a participating bank branch or authorised banking outlet.
2. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
📖 About the Scheme: A renewable life-insurance scheme offered through participating banks and insurers.
💰 Benefits: Life cover of ₹2 lakh for death due to any cause, subject to the policy conditions.
✅ Eligibility: Generally available to eligible bank account holders aged 18–50 for enrolment, subject to the scheme's renewal rules.
🖥️ How to Apply: Enrol through the participating bank or authorised banking channel.
3. Pradhan Mantri Suraksha Bima Yojana (PMSBY)
📖 About the Scheme: An accident-insurance scheme offered through participating banks and insurers.
💰 Benefits: ₹2 lakh for eligible accidental death or total permanent disability. ₹1 lakh for eligible partial permanent disability, subject to policy definitions.
✅ Eligibility: Generally available to eligible bank account holders aged 18–70, subject to current scheme terms.
4. Atal Pension Yojana (APY)
📖 About the Scheme: A pension scheme primarily designed for eligible subscribers in the unorganised sector.
💰 Benefits: A guaranteed monthly pension option of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 after age 60, subject to the scheme rules and contribution history.
✅ Eligibility: Generally available to eligible Indian citizens aged 18–40. Individuals who are or have been income-tax payers are excluded from joining under the rules applicable since 1 October 2022.
🖥️ How to Apply: Contact a participating bank or post office.
🍚 Food Security & Rural Development
1. National Food Security & One Nation One Ration Card
📖 About the Scheme: National food-security programmes provide eligible households with subsidised or free food grains under the applicable NFSA and government allocation rules.
💰 Benefits: Eligible ration entitlements under the applicable category. Ration portability through One Nation One Ration Card. Access to food distribution at participating fair-price shops, subject to beneficiary authentication and programme rules.
🖥️ How to Access: Contact the local Food and Civil Supplies Department or fair-price shop.
2. Pradhan Mantri Gram Sadak Yojana (PMGSY)
📖 About the Scheme: A rural-road connectivity programme supporting eligible rural road construction and upgrading.
⚠️ Important: This is not a personal cash-assistance scheme. Road proposals and works are implemented through the authorised government planning and execution process.