Atal Pension Yojana (APY)
Guaranteed monthly pension of Rs.1,000 to Rs.5,000 from age 60 based on contribution and entry age; same pension to spouse on subscriber's death and return of accumulated corpus to nominee.
Searchable directory of every scheme a villager, farmer, woman, senior citizen, or labourer in India can apply to. Eligibility, benefit, and apply links — all in one place.
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Guaranteed monthly pension of Rs.1,000 to Rs.5,000 from age 60 based on contribution and entry age; same pension to spouse on subscriber's death and return of accumulated corpus to nominee.
Cashless and paperless health cover of up to Rs.5 lakh per family per year for secondary and tertiary care hospitalisation at empanelled public and private hospitals.
Mobilisation into Self-Help Groups (SHGs), revolving fund of Rs.10,000-15,000 per SHG, community investment fund, vulnerability reduction fund, interest subvention on bank credit, and livelihood promotion support including farm and non-farm enterprises.
Monthly pension of Rs.300 (age 18-79) and Rs.500 (age 80+) from the central share for BPL persons with severe/multiple disability, generally topped up by states.
Monthly pension of Rs.200 (age 60-79) and Rs.500 (age 80+) from the central share, normally topped up by states to higher amounts.
Monthly pension of Rs.300 from the central share to BPL widows, usually topped up by states to higher amounts.
Functional household tap connection providing 55 litres per capita per day of potable water of prescribed quality on a regular and long-term basis to every rural household.
Short-term crop loan and term-loan limit at 7% interest with 3% prompt-repayment incentive (effective 4%); flexible withdrawal, RuPay KCC card, and built-in PMFBY crop insurance.
Legal guarantee of at least 100 days of wage employment in a financial year to every rural household whose adult members volunteer to do unskilled manual work, paid at notified state-wise minimum wages.
One hot cooked nutritious meal every school day to children of pre-primary to class 8 in government and government-aided schools, including supplementary nutrition where required.
Collateral-free working-capital loan of Rs.10,000 (1st tranche), Rs.20,000 (2nd) and Rs.50,000 (3rd) with 7% interest subsidy and cashback on digital transactions.
Toolkit incentive of Rs.15,000, skill training stipend of Rs.500 per day, collateral-free credit up to Rs.3 lakh in two tranches at 5% interest, digital transaction incentive and marketing support.
Maintenance allowance and reimbursement of compulsory non-refundable fees for OBC students in post-matric courses.
Maintenance allowance, reimbursement of compulsory non-refundable fees, study tour charges, thesis typing/printing charges and book grant for SC students studying post-matriculation/post-secondary courses.
Maintenance allowance, reimbursement of compulsory non-refundable fees, study tour charges, thesis typing/printing charges and book grant for ST students pursuing post-matric courses.
Financial assistance of Rs.1.20 lakh in plain areas and Rs.1.30 lakh in hilly/IAP/difficult areas for construction of a pucca house with basic amenities, plus convergence with MGNREGA (90/95 days unskilled wages) and SBM-G (toilet support).
Financial assistance of Rs.1.20 lakh in plain areas and Rs.1.30 lakh in hilly/IAP/difficult areas for construction of a pucca house with basic amenities, plus convergence with MGNREGA (90/95 days unskilled wages) and SBM-G (toilet support).
Central assistance for urban housing through four verticals: In-situ Slum Redevelopment, Credit-Linked Subsidy (interest subsidy up to Rs.2.67 lakh on home loans), Affordable Housing in Partnership and Beneficiary-led Construction (Rs.1.5 lakh per beneficiary).
Crop insurance covering pre-sowing, standing-crop, post-harvest and localised calamity losses; farmer premium capped at 2% (Kharif food/oilseeds), 1.5% (Rabi food/oilseeds) and 5% (commercial/horticultural).
Zero-balance basic savings bank account, RuPay debit card with Rs.2 lakh accident insurance cover, life cover of Rs.30,000 (for accounts opened up to 31.01.2015) and overdraft facility up to Rs.10,000.
Life insurance cover of Rs.2 lakh on death due to any cause at an annual premium of Rs.436, payable via auto-debit from the subscriber's bank account.
Free short-term skill training (typically 200-600 hours) leading to industry-recognised NSQF-aligned certification, post-placement assistance, and on-the-job training.
Minimum monthly pension of Rs.3,000 from age 60 to enrolled Small and Marginal Farmers; on death of subscriber, spouse receives 50% as family pension.
Direct income support of Rs.6,000 per year, paid in three equal instalments of Rs.2,000 directly into the bank accounts of eligible landholding farmer families.
Direct income support of Rs.6,000 per year, paid in three equal instalments of Rs.2,000 directly into the bank accounts of eligible landholding farmer families.
Cash incentive of Rs.5,000 in two instalments to pregnant and lactating women for the first living child (and Rs.6,000 for the second child if a girl), credited directly to the mother's bank/post-office account.
Collateral-free institutional credit up to Rs.20 lakh in three categories - Shishu (up to Rs.50,000), Kishore (Rs.50,001-Rs.5 lakh), Tarun (Rs.5-10 lakh) and Tarun Plus (Rs.10-20 lakh) - to non-corporate, non-farm small/micro enterprises.
Accidental death and total/partial permanent disability cover of Rs.2 lakh (Rs.1 lakh for partial disability) at a premium of Rs.20 per year, auto-debited from the subscriber's bank account.
Free LPG connection (deposit-free cylinder, regulator and gas hose) along with the first refill and stove free of cost; subsidy on subsequent refills for eligible Ujjwala beneficiaries.
Annual scholarship covering academic allowance, tuition fee reimbursement, and book/stationery grant for SC students in classes 9 and 10 (and parents-in-occupation categories from class 1).
Free soil-health card every 3 years carrying soil status of 12 parameters along with crop-wise nutrient and fertiliser recommendations to maximise productivity.
Bank loans between Rs.10 lakh and Rs.1 crore to at least one SC/ST and one woman borrower per branch for setting up a greenfield enterprise in manufacturing, services or trading.
Small-savings account for the girl child with attractive tax-free interest (currently 8.2% p.a.), tax deduction under section 80C and tax-free maturity proceeds; partial withdrawal allowed at age 18 for higher education and full withdrawal at 21 or on marriage after 18.
Incentive of Rs.12,000 per household for construction of an individual household toilet (IHHL) with provision for water storage and hand-washing.
Annual cash assistance of Rs.20,000 to non-working mothers / housewives in Sikkim, transferred directly to their bank accounts.
Applicable in: Sikkim
Monthly social-security pension - Rs.2,016 for old-age, widows, single women, weavers, toddy tappers and AIDS patients; Rs.3,016 for persons with disabilities.
Applicable in: Telangana
Monthly social-security pension - Rs.2,016 for old-age, widows, single women, weavers, toddy tappers and AIDS patients; Rs.3,016 for persons with disabilities.
Applicable in: Telangana
Universal cashless health cover of up to Rs.5 lakh per family per year at empanelled hospitals across India, on top of PM-JAY for non-PM-JAY families in J&K.
Applicable in: Jammu and Kashmir
Subsidised loans + skill training for SHG women and unemployed youth. Up to ₹3 lakh at 4% interest.
Applicable in: Puducherry
10 kg of free rice per person per month to BPL households (delivered as 5 kg under NFSA + cash equivalent of additional 5 kg until physical distribution resumes).
Applicable in: Karnataka
One-time grant of Rs.40,000 to the bride for purchase of one tola (10 g) gold at the time of her marriage.
Applicable in: Assam
One-time financial assistance of Rs.51,000 to the bride at the time of her marriage (Shagun grant for SC, BC, EWS and Christian girls/widows' daughters).
Applicable in: Punjab
Cashless health treatment up to Rs.2 lakh per family per year (with extension to Rs.5 lakh under PM-JAY for eligible families) for designated diseases at empanelled hospitals.
Applicable in: Manipur
Cashless health cover of up to Rs.5 lakh per family per year for hospitalisation at empanelled hospitals.
Applicable in: Arunachal Pradesh
Cashless health cover - Rs.5 lakh per family per year for general public; Rs.20 lakh for state government employees and pensioners.
Applicable in: Nagaland
Monthly pension to elderly persons in Manipur in addition to the central NSAP IGNOAPS share.
Applicable in: Manipur
Cash assistance to pregnant and lactating mothers - Rs.6,000 per pregnancy in addition to PMMVY entitlements.
Applicable in: Meghalaya
Seed-grant of up to Rs.20 lakh and incubation support to Sikkim-based startups; 50% capital subsidy and interest subvention for select sectors.
Applicable in: Sikkim
Free education in private (budget) schools for EWS children of classes 2-12 with state-paid tuition fees.
Applicable in: Haryana
Monthly financial assistance of Rs.2,500 to elderly, persons with disabilities and others in distress in Goa.
Applicable in: Goa
Zero electricity bill for domestic consumption up to 200 units/month; 50% subsidy on consumption between 201 and 400 units/month for domestic consumers.
Applicable in: Delhi
Fixed deposit of Rs.20,000 in the name of the girl child at birth, encashable after the girl turns 18 if she is in school/college.
Applicable in: Arunachal Pradesh
Free job-portal registration, job-fair placements, skill training, career counselling, self-employment loans (linked with PMMY/Stand-Up India) and overseas-employment guidance.
Applicable in: Punjab
Procurement of cow dung from farmers and pashupalaks at Rs.2 per kg through Gauthans, and of vermi-compost; income-share to women SHGs producing organic fertiliser at Gauthans.
Applicable in: Chhattisgarh
Monthly financial assistance of Rs.1,500 to housewives to support household and child-care expenses.
Applicable in: Goa
Monthly financial assistance of Rs.2,000 directly transferred to the bank account of the woman head of every eligible household.
Applicable in: Karnataka
Cashless treatment up to Rs.5 lakh per family per year at empanelled hospitals for HP families not covered under AB PM-JAY.
Applicable in: Himachal Pradesh
Free smartphone with three years of complimentary internet data to women heads of Chiranjeevi families, including students, widows and single women.
Applicable in: Rajasthan
Annual financial assistance of Rs.15,000 to mothers (or recognised guardian) of school-going children to support their education from class 1 to 12 in any government, aided or private school.
Applicable in: Andhra Pradesh
Monthly cash assistance of Rs.1,000 to eligible women heads of family, transferred directly to their bank accounts.
Applicable in: Tamil Nadu
Financial assistance of Rs.4,000 per cropping season (Rs.8,000/year) to small/marginal farmer families and landless agricultural households, plus life and accident insurance and interest-free crop loan.
Applicable in: Odisha
One-time financial assistance of Rs.1,00,116 to economically backward brides at the time of marriage (Kalyana Lakshmi for SC/ST/BC/EBC; Shaadi Mubarak for Minorities).
Applicable in: Telangana
Annual scholarship of Rs.1,000 for unmarried girls aged 13-18 in school/equivalent (K1) and a one-time grant of Rs.25,000 at age 18-19 if still unmarried and in education (K2).
Applicable in: West Bengal
Financial assistance up to Rs.3 lakh (Rs.2 lakh for general illness; Rs.3 lakh for cancer, kidney, heart and brain conditions) for treatment of life-threatening illnesses at empanelled hospitals.
Applicable in: Kerala
₹1,000/month deposit by govt from birth till age 14 (later released as ₹6.5 lakh on attaining age 21). For girl child of poor families.
Applicable in: Jammu And Kashmir
Monthly basic-income support of Rs.1,000 to women from SC/ST families and Rs.500 to women from general families, credited directly to their bank accounts.
Applicable in: West Bengal
Monthly pension of Rs.500 (age 60-79 / widow / PwD / leprosy cured / AIDS patient) and Rs.700 (age 80+) to eligible BPL beneficiaries.
Applicable in: Odisha
Monthly financial assistance of Rs.1,000 directly transferred to the bank account of eligible married women.
Applicable in: Chhattisgarh
One-time financial assistance of Rs.50,000 to BPL families on the marriage of their daughter.
Applicable in: Jammu and Kashmir
Cashless secondary and tertiary care up to Rs.5.30 lakh per family per year (combined PM-JAY + state top-up) at empanelled hospitals.
Applicable in: Meghalaya
Self-Help Group formation, revolving fund, interest subvention on bank loans up to Rs.5 lakh, livelihood support, market linkages and convergence with other welfare schemes.
Applicable in: Odisha
Working-capital and term-loan assistance with interest subvention for weavers, handloom and handicraft enterprises and small businesses.
Applicable in: Mizoram
Financial assistance of Rs.1.20 lakh (plain areas) for construction of a pucca house to rural BPL households not covered under PMAY-G.
Applicable in: Uttar Pradesh
Cashless health cover of up to Rs.25 lakh per family per year and Rs.10 lakh accident insurance, including pre- and post-hospitalisation expenses, at empanelled public and private hospitals.
Applicable in: Rajasthan
Cashless health cover of up to Rs.5 lakh per family per year for non-PM-JAY families in Tripura at empanelled hospitals.
Applicable in: Tripura
Up to ₹2 lakh interest-free loan + ₹50,000 grant for differently-abled persons to start own enterprise.
Applicable in: Puducherry
Total financial assistance of Rs.25,000 to a girl child in six instalments - on birth, after immunisation, on enrolment in class 1, on entry to class 6, on entry to class 9, and on enrolment in graduation/diploma.
Applicable in: Uttar Pradesh
Total cumulative assistance of Rs.50,000 for a girl child - Rs.2,000 at birth, Rs.1,000 at age 1 on registration, uniform/sanitary napkin grants in school years, Rs.10,000 on passing class 12 unmarried, Rs.25,000 on graduation.
Applicable in: Bihar
Monthly financial assistance of Rs.1,250 (with periodic increments) credited directly to the bank account of eligible women.
Applicable in: Madhya Pradesh
Monthly cash assistance of Rs.1,000 (with periodic enhancements announced) to eligible women aged 21-50 years.
Applicable in: Jharkhand
Monthly financial assistance of Rs.1,500 directly transferred to the bank account of eligible women aged 21-65 years.
Applicable in: Maharashtra
Monthly pension of Rs.1,000 (with state component) to elderly (60+), widows, persons with disabilities and HIV-affected persons in Jharkhand.
Applicable in: Jharkhand
Comprehensive support to children in care institutions and care leavers - monthly stipend, fee reimbursement up to graduation, professional-course funding up to Rs.2 lakh/year, marriage assistance of Rs.2 lakh, plot/house grant of Rs.3 lakh.
Applicable in: Himachal Pradesh
Bank loans up to Rs.25 lakh for service/trading and Rs.10 lakh for manufacturing with margin-money subsidy of 15-25% (max Rs.6.25 lakh) for setting up new micro-enterprises in Uttarakhand.
Applicable in: Uttarakhand
Free pilgrimage tour for senior citizens to notified religious destinations across India, including travel by train/air, accommodation and meals.
Applicable in: Madhya Pradesh
Free pilgrimage tour to designated religious destinations (Rameshwaram, Tirupati, Dwarka, Shirdi, Ajmer, Vaishno Devi, etc.) including AC train travel, accommodation and meals for senior citizens.
Applicable in: Delhi
Financial assistance ranging from Rs.31,000 to Rs.71,000 (depending on category - SC/BC/Tapriwas/Vimukta/Widow/Sportswoman/General) at the time of marriage of the daughter.
Applicable in: Haryana
Monthly pension of Rs.400 (age 60-79) and Rs.500 (age 80+) to all eligible elderly residents of Bihar irrespective of BPL status.
Applicable in: Bihar
Tuition-fee assistance up to Rs.2 lakh per year (50% of fees, capped) plus hostel and book allowance for higher-education students from middle-income families.
Applicable in: Gujarat
Monthly cash assistance of Rs.1,250 (revised from Rs.1,000) to the woman head of eligible families, transferred directly to her bank account.
Applicable in: Assam
₹80,068 crore special package across 63 schemes — infrastructure, jobs, housing, hill development.
Applicable in: Jammu And Kashmir
Pongal gift hamper containing 21 grocery items (rice, dal, sugar, jaggery, ghee, cashews, raisins, etc.), 1 kg of sugar, sugarcane and a cash gift of Rs.1,000 to ration-card families.
Applicable in: Tamil Nadu
Investment support of Rs.5,000 per acre per season (Rs.10,000 per acre per year across two crop seasons) to all landholding farmers in Telangana.
Applicable in: Telangana
Investment support of Rs.5,000 per acre per season (Rs.10,000 per acre per year across two crop seasons) to all landholding farmers in Telangana.
Applicable in: Telangana
Free travel for women and transgender residents of Karnataka in non-premium state-run buses (KSRTC, BMTC, NWKRTC, KKRTC) within the state.
Applicable in: Karnataka
Subsidised Shiv Bhojan Thali (2 chapatis, 1 vegetable, rice, dal) for Rs.10 (free during certain periods/categories) at over 1,800 Shiv Bhojan kendras across Maharashtra.
Applicable in: Maharashtra
Monthly financial assistance ranging from Rs.300 (class 1-5) to Rs.1,000 (degree and above) credited to the bank account of orphaned and destitute children for their education and upbringing.
Applicable in: Kerala
Composite financial assistance up to Rs.50 lakh per beneficiary family for livelihood activities under selected trades (agriculture, horticulture, animal husbandry, sericulture, weaving, handicrafts, MSME etc.) covering subsidy + bank loan.
Applicable in: Mizoram
Free travel for women in ordinary (non-premium) town and mofussil buses operated by all state transport corporations within Tamil Nadu.
Applicable in: Tamil Nadu
Monthly pension of Rs.2,000 (combined state + central NSAP) to BPL widows resident in Tripura.
Applicable in: Tripura
Three-stage financial assistance to the family of the first two girl children - Rs.4,000 on enrolment in class 1, Rs.6,000 in class 9, and Rs.1 lakh on the girl turning 18 (on condition she is unmarried).
Applicable in: Gujarat
Monthly pension of Rs.1,500 (state share + central NSAP share) to BPL widows in Uttarakhand.
Applicable in: Uttarakhand
Monthly pension to widows in Nagaland under the state's social-security programme, combined with the central NSAP share.
Applicable in: Nagaland
Monthly pension of Rs.3,000 for old-age, widows, weavers, toddy tappers, fishermen, single women, ART patients and traditional cobblers; Rs.10,000 for chronic kidney disease patients on dialysis; higher amounts for PwD as per category.
Applicable in: Andhra Pradesh
Annual investment support of Rs.13,500 per farmer family (Rs.7,500 from state + Rs.6,000 from PM-KISAN), paid in three instalments to landholding farmers and tenant cultivators including ST cultivators in forest lands.
Applicable in: Andhra Pradesh
Financial assistance of Rs.1 lakh to ITI-passed unemployed youth for setting up their own micro-enterprise.
Applicable in: West Bengal