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Central Government Schemes

List of 119 Central Government schemes — benefits, required documents and how to apply. Check your eligibility free.

PM Kisan Samman Nidhi — ₹6,000/year · 3 installments of ₹2,000
PM Awas Yojana (Gramin) — ₹1.20 Lakh for house construction
Ayushman Bharat (PMJAY) — ₹5 Lakh/year free hospital treatment
National Scholarship (NSP) — ₹10,000 – ₹50,000/year for studies
PM Mudra Yojana — Loan ₹50,000 – ₹10 Lakh · No collateral
PM Ujjwala Yojana — Free LPG connection + first refill free
Beti Bachao Beti Padhao — ₹5,000 support + free education
Indira Gandhi National Old Age Pension (IGNOAPS) — ₹200–₹500/month pension for BPL senior citizens (60+)
Kisan Credit Card (KCC) — Crop loan at 4% interest (subsidised)
PM Jan Dhan Yojana (PMJDY) — Zero-balance account + RuPay card + ₹2L accident cover
PM Jeevan Jyoti Bima Yojana (PMJJBY) — ₹2 lakh life insurance · Only ₹436/year premium
PM Suraksha Bima Yojana (PMSBY) — ₹2 lakh accident insurance · Only ₹20/year premium
Atal Pension Yojana (APY) — Guaranteed ₹1,000–₹5,000/month pension after age 60
PM Vishwakarma Yojana — ₹15,000 toolkit grant + loan up to ₹3L at 5% · Free skill training
PM SVANidhi (Street Vendor Loan) — Loan ₹10,000–₹50,000 · 7% interest subsidy · No collateral
Sukanya Samriddhi Yojana (SSY) — 8.2% interest p.a. · Tax-free savings for girl's education & marriage
PM Matru Vandana Yojana (PMMVY) — ₹5,000 for 1st child · ₹6,000 for 2nd girl child · Direct to bank
PM Fasal Bima Yojana (PMFBY) — Full crop loss insurance at just 1.5–2% premium
MGNREGA (Job Guarantee Scheme) — 100 days guaranteed wage employment/year · ₹220–₹357/day
PM Kaushal Vikas Yojana (PMKVY) — Free skill training + ₹8,000 reward + placement help
PM Employment Generation Programme (PMEGP) — 15–35% subsidy on loan up to ₹50 Lakh to start business
Stand-Up India Scheme — Bank loan ₹10 Lakh–₹1 Crore for SC/ST & Women entrepreneurs
National Food Security Act (Ration Card / PDS) — 5 kg grain/person/month at ₹1–₹3 · Free under PMGKAY
Swachh Bharat Mission – Gramin (Toilet Scheme) — ₹12,000 grant to build toilet at home
DAY-NRLM (Self Help Group – Women) — ₹10,000–₹15 Lakh loan for SHG + interest subsidy + training
PM Surakshit Matritva Abhiyan (PMSMA) — Free antenatal checkup on 9th of every month at govt. facilities
Ayushman Bharat – Senior Citizens (70+) — ₹5 Lakh/year free health cover for all citizens 70 years & above
PM Gram Sadak Yojana (PMGSY) — All-weather road connectivity to unconnected villages · Free
Jal Jeevan Mission (Har Ghar Jal) — Free piped drinking water connection to every rural household
DDU-Grameen Kaushalya Yojana (DDU-GKY) — Free placement-linked skill training + ₹1,000–₹1,500/month stipend during training
PM Awas Yojana 2.0 (Urban) — ₹2.5 Lakh central subsidy for EWS/LIG house construction or purchase
PM POSHAN (Mid-Day Meal Scheme) — Free nutritious mid-day meal daily to children in Govt. schools (Class 1–8)
Indira Gandhi National Widow Pension (IGNWPS) — ₹300/month pension for BPL widows aged 40–79 years
Soil Health Card Scheme — Free soil testing + personalised crop & fertiliser recommendations
e-SHRAM Card (Unorganised Workers Portal) — ₹2 Lakh accident insurance + access to all labour welfare schemes
PM Shram Yogi Maan-dhan (PM-SYM) — ₹3,000/month pension after age 60 for unorganised workers
National Means-cum-Merit Scholarship (NMMSS) — ₹12,000/year (₹1,000/month) for Class 9 to 12 students
PM YASASVI Scholarship (OBC/EBC/DNT) — ₹75,000/year (Class 9) · ₹1,25,000/year (Class 11) via DBT
National Scheme of Incentive to Girls for Secondary Education (NSIGSE) — ₹3,000 one-time deposit on enrolling in Class 9 · matures with interest when she turns 18 (after passing Class 10)
PM KUSUM (Solar Pump Scheme) — 90% subsidy on solar pump (up to 7.5 HP) for irrigation
PM Surya Ghar Muft Bijli Yojana — 300 units free electricity/month via rooftop solar + subsidy up to ₹78,000
Nikshay Poshan Yojana (TB Nutritional Support) — ₹500/month nutritional support directly to bank account during TB treatment
PM SVAMITVA Yojana (Property Card) — Free legal property card for rural households · Enables using property as loan collateral
Indira Gandhi National Disability Pension (IGNDPS) — ₹300/month pension for BPL persons with 80%+ disability (age 18–79 years)
One Stop Centre – Sakhi (Women in Distress) — Free legal aid, medical help, shelter & psychological support for women in distress · Call 181
DAY-NULM (Urban Livelihoods Mission) — ₹10,000–₹2 Lakh loan at 5–7% interest + free skill training for urban poor
PM Internship Scheme — ₹5,000/month stipend + ₹6,000 one-time grant · 12-month internship in top 500 companies
Annapurna Scheme (Free Food for Destitute Seniors) — 10 kg free food grain per month for destitute senior citizens (65+) not covered under NOAPS
PM Vidyalaxmi (Education Loan Scheme) — Education loan up to ₹10 Lakh · 3% interest subvention (1% for girls) · No collateral
Janani Suraksha Yojana (JSY) — ₹1,400 cash (rural) or ₹700 (urban) for safe institutional delivery
Mission Indradhanush (Free Vaccination) — Free vaccines for children under 2 yrs & pregnant women · 12 diseases covered (polio, TB, hepatitis B, etc.)
PM Vaya Vandana Yojana (PMVVY) — 7.4% guaranteed pension · Invest up to ₹15 Lakh · Min. ₹1,000/month pension guaranteed for 10 years
PM Matsya Sampada Yojana (PMMSY) — 40–60% subsidy on boats, nets & fish farm units (80% for SC/ST/Women)
Startup India – Seed Fund & Recognition — Up to ₹50 Lakh seed funding · 3-year income-tax exemption · DPIIT recognition certificate
Post Matric Scholarship – SC / ST Students — Full tuition fee reimbursement + maintenance allowance ₹230–₹1,200/month · All post-Class 10 courses
POSHAN Abhiyaan 2.0 (National Nutrition Mission) — Free take-home ration + nutrition supplements + counselling for children (0–6 yrs) & pregnant/lactating women via Anganwadi
Paramparagat Krishi Vikas Yojana (PKVY) — ₹50,000/hectare over 3 years for switching to organic farming · Free training & organic certification
National Apprenticeship Promotion Scheme (NAPS) — Govt. pays 25% of stipend (up to ₹1,500/month) · 1–3 year on-the-job trade training with a certificate
Assistance to Disabled Persons (ADIP) Scheme — Free assistive devices: wheelchair, hearing aid, artificial limb, braille kit, tricycle & more
PM Kisan Maan Dhan Yojana (PMKMY) — ₹3,000/month guaranteed pension after age 60 for small/marginal farmers · Govt. matches your contribution
PM Krishi Sinchai Yojana – Per Drop More Crop — 55% subsidy (80% for SC/ST) on drip & sprinkler irrigation systems
National Family Benefit Scheme (NFBS) — ₹20,000 one-time lump sum to BPL family on death of primary breadwinner (age 18–59)
PM Bharatiya Janaushadhi Pariyojana — Generic medicines at 50–90% lower price than branded drugs at Jan Aushadhi Kendras
Rashtriya Vayoshri Yojana (RVY) — Free assistive devices for BPL senior citizens 60+: walking stick, elbow crutches, wheelchair, hearing aid, spectacles
Saubhagya – Pradhan Mantri Sahaj Bijli Har Ghar Yojana — Free electricity connection for BPL households · Free wiring & meter installation
Integrated Child Development Services (ICDS) – Anganwadi — Free supplementary nutrition, immunization, health checkup & pre-school education for children (0–6 yrs) and pregnant/nursing mothers
Pre-Matric Scholarship for ST Students (Class 9–10) — ₹150/month (day scholar) to ₹350/month (hosteller) + full tuition & fees reimbursement
PM Gramin Digital Saksharta Abhiyan (PMGDISHA) — Free 15-hour digital literacy training: internet, mobile banking, govt. e-services for rural households
National Creche Scheme (Palna) — Free/subsidized daycare for children 6 months–6 years of working mothers · Nutrition, healthcare & early education
PM Laghu Vyapari Maan-dhan Yojana (PMLVMY) — ₹3,000/month pension after age 60 for shopkeepers, retail traders & self-employed persons · Govt. matches contribution
Seekho aur Kamao (Learn & Earn) — Free market-driven skill training (3–12 months) for minority youth + placement assistance · Stipend during training
PM DAKSH Yojana (Skill Training for SC/OBC/EBC) — Free skill training (short-term & long-term) for SC/OBC/EBC · ₹1,000–₹1,500/month stipend + placement support
Central Sector Scholarship Scheme (CSSS) — ₹12,000/year (UG 1st–3rd year) · ₹20,000/year (PG) for Class 12 toppers
National Livestock Mission (NLM) — 50% subsidy (max ₹50 Lakh; 60% for SC/ST/Women) on poultry, goat, sheep, cattle & fodder enterprises
PM AASHA (Price Support Scheme for Farmers) — Govt. procures oilseeds, pulses & copra at MSP when market price falls below MSP · Direct payment to bank
Merit-cum-Means Scholarship for Minorities (MCM) — ₹25,000/year (technical/professional) · ₹10,000/year (general degree) + course fee reimbursement up to ₹20,000
Free Coaching Scheme for SC & OBC Students — Free coaching for UPSC, SSC, Banking, Railways, NEET, JEE & PSU exams · ₹3,000/month living allowance during coaching
PM Formalisation of Micro Food Processing Enterprises (PM-FME) — 35% credit-linked capital subsidy (max ₹10 Lakh) for micro food processing units · Free FSSAI registration & branding support + skill training
Ayushman Arogya Mandir – Health & Wellness Centres (AB-HWC) — FREE walk-in OPD + 12 health services (mental health, oral, vision, ENT, physiotherapy) + free medicines & diagnostics at nearest HWC
PM CARES for Children (COVID Orphan Scheme) — ₹10 Lakh corpus at age 18 · Monthly stipend up to age 23 · Free school education · Ayushman Bharat ₹5L health cover
Pre-Matric Scholarship for SC Students (Class 9–10) — ₹150–₹350/month maintenance allowance + full tuition & school fee reimbursement for SC students in Class 9–10
UJALA Scheme (Subsidised LED Bulbs & Appliances) — LED bulbs at ₹70 (market ₹600) · LED tube lights, fans & pumps also subsidised · Up to 80% electricity bill savings
Rajiv Gandhi National Fellowship for SC Students (RGNF) — ₹31,000/month (JRF, first 2 yrs) · ₹35,000/month (SRF, yrs 3–5) + HRA + contingency grant for M.Phil/PhD
National Fellowship for OBC Students (NFOBC) — ₹31,000/month (JRF) · ₹35,000/month (SRF) + HRA + contingency for OBC M.Phil/PhD students
Post-Matric Scholarship for OBC Students — Maintenance allowance ₹700–₹1,200/month + full tuition & fee reimbursement · All post-Class 10 courses
Working Women's Hostel Scheme — Subsidised hostel accommodation at ₹1,000–₹1,500/month for working women & students in cities · Children (0–18 yrs) of residents also accommodated
Swadhar Greh (Shelter for Women in Distress) — Free shelter, food, clothing, medical care, legal aid, counselling & skill training for women in difficult circumstances (up to 1 year, extendable)
National Dialysis Programme (NDP) – Free Kidney Dialysis — Free dialysis sessions at empanelled district hospitals + ₹500/session transport allowance for BPL patients (saves ₹15,000–₹20,000/month)
Rashtriya Arogya Nidhi (RAN) – Life-Threatening Disease Fund — Financial assistance up to ₹15 Lakh (₹20 Lakh for rare diseases) for BPL patients with life-threatening illness treated at central govt hospitals / AIIMS
Agriculture Infrastructure Fund (AIF) — 3% interest subvention for 7 years on loans up to ₹2 Crore for post-harvest infra: cold storage, warehouse, sorting/grading, primary processing, assaying labs
Khelo India Scholarship (Young Athlete Scheme) — ₹5 Lakh/year for 5 years · Free training at SAI centres + coaching, nutrition, equipment, travel & insurance support
Nai Manzil Scheme (Education & Livelihood for Minority Dropouts) — Bridge education (Class 10 / 12 equivalent via NIOS) + skill training (9–12 months) · ₹2,500–₹3,000/month stipend + placement support
PM SMILE – Support for Marginalised Individuals for Livelihood & Enterprise — Comprehensive welfare for transgender persons: ABHA / Aadhaar support, free education, PMKVY skill training, PM SVANidhi loan, Ayushman Bharat ₹5L health cover, shelter & livelihood rehabilitation
National Food Security Mission (NFSM) — Free certified seeds (50% subsidy) + subsidised micronutrients, farm machinery (50%) & irrigation tools for rice, wheat, pulses, oilseeds & commercial crop farmers
PM Garib Kalyan Anna Yojana (PMGKAY) — 5 kg FREE grain per person per month for all NFSA ration card holders · Extended through December 2028
PM JANMAN – Janjati Adivasi Nyaya Maha Abhiyan — 11 critical interventions for 75 PVTG communities: ₹2.39 Lakh housing, road, piped water, electricity, mobile medical units, Anganwadi centres, livelihood & telecom support
National Bamboo Mission (NBM) — 50% subsidy on bamboo plantation, nurseries & value-addition units · Free planting material + skill training for farmers
AICTE Pragati Scholarship – Girl Students in Technical Education — ₹50,000/year + ₹2,000 contingency for girl students in AICTE-approved diploma/degree programmes
AICTE Saksham Scholarship – Differently-Abled Students in Technical Education — ₹50,000/year + ₹2,000 contingency for differently-abled students (≥40% disability) in AICTE-approved technical diploma/degree programmes
Agnipath – Agniveer Recruitment Scheme — 4-year defence service: ₹30,000–₹40,000/month · ₹11.71 Lakh Seva Nidhi corpus on exit · 25% retained permanently · Priority in central govt. jobs & entrepreneur support on exit
Swachh Bharat Mission – Urban 2.0 (Individual Toilet Grant) — ₹12,000–₹25,000 grant for toilet construction / renovation at urban households · ODF++ & Garbage-Free City certification for qualifying cities
Tele-MANAS – National Tele Mental Health Programme — FREE 24×7 mental health support · Call 14416 or 1800-599-0019 · Tele-counselling by psychiatrists & psychologists via 53 national centres
USTTAD – Upgrading Skills & Training in Traditional Arts/Crafts (Minority Artisans) — Free 3–6 month skill upgrade training in traditional crafts for minority artisans · ₹1,000–₹1,500/month stipend + free tool kit + certification + market linkage support
Eklavya Model Residential Schools (EMRS) — FREE quality residential education (Class 6–12) for tribal students · Free food, accommodation, uniforms, books, sports facilities & digital access
Ishan Uday Scholarship (North-East Students) — ₹5,000/month (up to ₹50,000/year) for NE region students in general degree courses
National Overseas Scholarship (NOS) — Full tuition + living allowance + airfare for Master's/PhD abroad (SC/ST/DNT/landless labourer families)
National Fellowship for Higher Education of ST Students (NFST) — ₹31,000–35,000/month (JRF/SRF) + HRA + contingency for ST M.Phil/PhD students
PG Indira Gandhi Scholarship for Single Girl Child — ₹36,200/year for 2 years for single girl child pursuing postgraduate studies
Top Class Education Scheme for SC Students — Full tuition, hostel & books for SC students admitted to IITs, IIMs, AIIMS, NITs & other premier institutes
INSPIRE Scholarship (SHE) — ₹80,000/year (₹60,000 scholarship + ₹20,000 summer research) for top Class 12 science students pursuing BSc/MSc
PM Scholarship Scheme (PMSS) — ₹2,500–3,000/month for wards & widows of Ex-Servicemen, Coast Guard & CAPF pursuing professional degrees
PM Special Scholarship Scheme (J&K and Ladakh) — ₹1,25,000/year (maintenance + tuition reimbursement) for J&K/Ladakh students studying outside their UT
CBSE Merit Scholarship for Single Girl Child — ₹500–1,500/month for single girl child scoring 60%+ in Class 10, continuing Class 11–12 in a CBSE school
Free Coaching Scheme for DNT Students (SEED) — Free coaching for competitive & entrance exams for DNT/NT/SNT community students
Dr. Ambedkar Interest Subsidy on Education Loan — Full interest subsidy during moratorium on education loans up to ₹20 Lakh for OBC/EBC students studying abroad
National Fellowship for Students with Disabilities (NFPwD) — ₹31,000–35,000/month (JRF/SRF) + HRA for differently-abled students pursuing M.Phil/PhD
National Apprenticeship Training Scheme (NATS) — ₹9,000/month stipend for fresh engineering/diploma/degree graduates undergoing apprenticeship
TULIP – The Urban Learning Internship Program — ₹12,000–20,000/month stipend for fresh graduate internships in Urban Local Bodies & Smart Cities
Pradhan Mantri Viksit Bharat Rozgar Yojana — Up to ₹15,000 incentive for first‑time EPF employees (two instalments)

By category

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