Est. 2026 · New Delhi
Government schemes, finally explained
PM Kisan 19th installment released, ₹2,000 credited to 9.8 cr farmersAyushman Bharat extended: every senior citizen 70+ now covered, regardless of incomeMUDRA Tarun Plus: ceiling raised to ₹20 lakh for repeat borrowersPMAY-U 2.0: 1 crore additional urban homes targeted by FY29MGNREGA wage rates revised for FY26, Haryana tops at ₹374/dayAtal Pension Yojana crosses 7 crore subscribersPMGKAY free foodgrain distribution extended through December 2028ONORC: ration card portability now active across all 36 states and UTsPM Kisan 19th installment released, ₹2,000 credited to 9.8 cr farmersAyushman Bharat extended: every senior citizen 70+ now covered, regardless of incomeMUDRA Tarun Plus: ceiling raised to ₹20 lakh for repeat borrowersPMAY-U 2.0: 1 crore additional urban homes targeted by FY29MGNREGA wage rates revised for FY26, Haryana tops at ₹374/dayAtal Pension Yojana crosses 7 crore subscribersPMGKAY free foodgrain distribution extended through December 2028ONORC: ration card portability now active across all 36 states and UTs

NO SPONSORED RANKINGS · UPDATED EVERY 30 DAYS

§ ATLAS · 28 STATES INDEXED

The state-by-state atlas.

Each state runs its own welfare programmes alongside central schemes. Click a state to see what stacks.

All indexed schemes

AGRICULTURECENTRAL

PM Kisan Samman Nidhi

Direct income support of ₹6,000/year to landholding farmer families, paid in three equal instalments via DBT.

HEALTHCENTRAL

Ayushman Bharat (PM-JAY)

₹5 lakh/year cashless hospital cover at empanelled hospitals for ~55 crore beneficiaries from low-income families.

FINANCECENTRAL

Pradhan Mantri MUDRA Yojana

Collateral-free term and working-capital loans up to ₹20 lakh for non-corporate, non-farm small business enterprises.

HOUSINGCENTRAL

PM Awas Yojana (Urban) 2.0

Interest subsidy and central assistance for urban EWS, LIG and MIG families building, buying or upgrading their first home.

WELFARECENTRAL

NFSA Ration Card

Subsidised foodgrains under the National Food Security Act, AAY, Priority Household, and state-level categories.

PENSIONCENTRAL

Atal Pension Yojana

Guaranteed monthly pension of ₹1,000 – ₹5,000 after age 60 for citizens aged 18–40 with a savings bank account.

EMPLOYMENTCENTRAL

MGNREGA, Rural Employment Guarantee

Legal guarantee of 100 days of paid unskilled wage work per rural household per year, with wages paid into Aadhaar-linked accounts within 15 days.

FINANCEGIRL CHILD SAVINGS

Sukanya Samriddhi Yojana

A small-deposit scheme for parents of girls under 10, offering one of the highest tax-free interest rates available in India.

WELFARECLEAN COOKING FUEL

Pradhan Mantri Ujjwala Yojana

Free LPG connection plus subsidised refills for women from poor households, the scheme that quietly halved indoor-smoke deaths in rural India.

WELFARELIFE INSURANCE

Pradhan Mantri Jeevan Jyoti Bima Yojana

A pure term life cover of Rs 2 lakh for less than the price of a cup of tea per month, designed for first-time insurance buyers.

WELFAREACCIDENT INSURANCE

Pradhan Mantri Suraksha Bima Yojana

Rs 2 lakh accident death and disability cover for Rs 20 a year, the cheapest formal insurance product available in India.

FINANCEENTREPRENEURSHIP

Stand-Up India

Bank loans of Rs 10 lakh to Rs 1 crore for greenfield enterprises run by SC, ST and women entrepreneurs, with built-in handholding support.

EMPLOYMENTARTISAN SUPPORT

PM Vishwakarma Yojana

Skill recognition, modern tools and collateral-free credit for traditional artisans in 18 trades, from blacksmiths to boat makers.

FINANCESTREET VENDOR FINANCE

PM SVANidhi

Collateral-free working capital loan of Rs 10,000 to Rs 50,000 for street vendors, with each repaid cycle unlocking a larger one.

PENSIONRETIREMENT SAVINGS

National Pension System (NPS)

A market-linked retirement savings system with the lowest fund management cost in the world and the most flexible withdrawal architecture for Indian salaried and self-employed citizens.

WELFAREGIRL CHILD WELFARE

Beti Bachao Beti Padhao

A convergence campaign to reverse declining child sex ratio and improve girls' education outcomes, working through district-level inter-ministerial coordination.

HEALTHMATERNITY BENEFIT

Pradhan Mantri Matru Vandana Yojana

A direct cash benefit of Rs 5,000 to Rs 11,000 for pregnant women and lactating mothers, designed to partly compensate wage loss during pregnancy.

AGRICULTUREAGRICULTURAL CREDIT

Kisan Credit Card (KCC)

A revolving short-term crop loan at a heavily subsidised effective rate of 4 percent per year if repaid on time, available to almost every cultivating farmer including tenants and sharecroppers.

AGRICULTURECROP INSURANCE

Pradhan Mantri Fasal Bima Yojana (PMFBY)

A subsidised crop insurance scheme that caps the farmer premium at 2 percent for kharif food crops, 1.5 percent for rabi, and 5 percent for commercial and horticulture crops, with the balance subsidised equally by the central and state governments.

AGRICULTURESOIL TESTING AND ADVISORY

Soil Health Card Scheme

A free soil testing and crop-specific nutrient advisory issued once every two years to every landholding farmer, designed to cut fertiliser overuse and improve yields by matching inputs to actual soil deficits.

FINANCEFINANCIAL INCLUSION

Pradhan Mantri Jan Dhan Yojana (PMJDY)

A zero-balance basic savings bank account that comes with a RuPay debit card, a Rs 2 lakh accidental insurance cover and an overdraft facility of up to Rs 10,000 after six months of satisfactory operation.

EMPLOYMENTSKILL DEVELOPMENT

Pradhan Mantri Kaushal Vikas Yojana (PMKVY)

A free short-term vocational training scheme run through accredited centres across India, covering more than 250 job roles from automotive to apparel, with an industry-recognised certificate and a placement linkage at the end.

WELFARESELF-HELP GROUP BASED LIVELIHOODS

Deendayal Antyodaya Yojana, National Rural Livelihoods Mission (DAY-NRLM)

A federated Self Help Group programme that organises rural women into savings groups, links them to bank credit at concessional rates, and supports diversified livelihoods through community institutions and revolving funds.

WELFAREHOUSEHOLD ELECTRIFICATION

Saubhagya, Pradhan Mantri Sahaj Bijli Har Ghar Yojana

A free last-mile electricity connection scheme for un-electrified households, covering the cost of meter, wiring up to one light point and a five year battery-LED system for households in remote areas without grid access.

WELFAREPIPED DRINKING WATER

Jal Jeevan Mission (Har Ghar Jal)

A central scheme to provide every rural household with a functional household tap connection delivering at least 55 litres per capita per day of quality assured drinking water, with active community participation through Village Water and Sanitation Committees.

WELFARERURAL SANITATION

Swachh Bharat Mission Gramin (SBM-G) Phase II

A continuing rural sanitation programme focused on sustaining open defecation free status, solid and liquid waste management, and a household toilet incentive of Rs 12,000 for eligible families.

EMPLOYMENTWORKER REGISTRATION AND BENEFITS

eShram Card for Unorganised Workers

A free national identification number for India's roughly 30 crore unorganised workers, bundled with a Rs 2 lakh accidental insurance cover and serving as the gateway to multiple central and state welfare schemes.

PENSIONOLD AGE PENSION

Indira Gandhi National Old Age Pension Scheme (IGNOAPS)

A non-contributory monthly pension under the National Social Assistance Programme for BPL persons aged 60 and above, with a central contribution of Rs 200 per month for 60 to 79 years and Rs 500 per month for 80 and above, topped up by most states.

WELFARESCHOOL NUTRITION

PM POSHAN (Mid Day Meal Scheme)

The national school meal programme, now branded PM POSHAN, that provides a free hot cooked meal to all children studying in Bal Vatika to Class VIII in government and government-aided schools, designed to improve attendance, retention and nutritional outcomes.

PENSIONCENTRAL

PM Shram Yogi Maandhan Yojana

A voluntary pension scheme for unorganised sector workers that guarantees a monthly pension of Rs 3,000 after the age of 60, backed by a 50:50 government contribution and a simple self-enrolment path through a CSC or the portal.

HOUSINGRURAL HOUSING

PM Awas Yojana - Gramin

The rural counterpart of PMAY that provides a direct cash subsidy of up to Rs 1.20 lakh for construction of a pucca house with basic amenities, prioritising women-headed households, SC, ST and minorities.

EMPLOYMENTENTREPRENEURSHIP

Startup India Scheme

A flagship initiative to build a robust ecosystem for innovation and entrepreneurship in India, offering tax exemptions, self-certification compliance, fast-track patent examination and a Rs 10,000 crore Fund of Funds for registered startups.

EMPLOYMENTSKILL TRAINING

DDU-GKY Deen Dayal Upadhyaya Grameen Kaushalya Yojana

A demand-driven skill training programme for rural youth aged 15 to 35 that guarantees placement after training, covers travel and boarding costs, and offers post-placement support for up to one year, focused on SC, ST, women and minorities.

WELFAREFOOD SECURITY

PM Garib Kalyan Anna Yojana

An emergency food-security extension of the National Food Security Act that provides five kilograms of free food grains per person per month to over eighty crore NFSA beneficiaries, delivered through the existing ration card and Fair Price Shop network.

PENSIONCENTRAL

Pradhan Mantri Kisan Maan Dhan Yojana

A voluntary contributory pension scheme for small and marginal farmers that guarantees a monthly pension of Rs 3,000 from the age of 60, with the government matching the farmer's contribution dollar for dollar.

PENSIONCENTRAL

Pradhan Mantri Vaya Vandana Yojana

A government-backed pension scheme for senior citizens aged 60 and above that offers a guaranteed return of 7.4% per annum, paid monthly, with a minimum investment of Rs 1.56 lakh and a maximum of Rs 15 lakh per senior citizen.

AGRICULTURECENTRAL

Paramparagat Krishi Vikas Yojana

A cluster-based organic farming scheme that groups 50 farmers together to convert 50 hectares to organic cultivation over three years, with financial assistance of Rs 20,000 per hectare and guaranteed procurement at a premium price.

HOUSINGCENTRAL

PM Surya Ghar Muft Bijli Yojana

A rooftop solar scheme for residential households that provides central financial assistance of up to Rs 78,000 for a 3 kW system, free electricity for consumption, and surplus power sold to the grid through net metering.

HEALTHCENTRAL

Janani Suraksha Yojana (JSY)

A safe motherhood scheme under the National Health Mission that provides cash assistance to pregnant women for institutional delivery, with higher entitlements in low performing states and for SC, ST and BPL beneficiaries.

HEALTHCENTRAL

Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP)

A scheme to make quality generic medicines available at affordable prices through dedicated Janaushadhi Kendras across India, with prices typically 50 to 90 percent lower than branded equivalents.

AGRICULTURECENTRAL

Pradhan Mantri Krishi Sinchayee Yojana (PMKSY)

An umbrella scheme to expand irrigation coverage, improve water use efficiency and promote micro irrigation, with central assistance for drip and sprinkler systems and field level water harvesting structures.

WELFARECENTRAL

Rashtriya Vayoshri Yojana (RVY)

A central scheme that provides free assisted living devices like walking sticks, hearing aids, spectacles, dentures, walkers and wheelchairs to senior citizens from BPL families with age related disabilities.

WELFARECENTRAL

National Family Benefit Scheme (NFBS)

A lump sum benefit of Rs 20,000 to BPL families on the death of the primary breadwinner aged 18 to 59 years, paid as a one time grant to support immediate household needs.

WELFARECENTRAL

POSHAN Abhiyaan (Mission Poshan 2.0)

India's flagship nutrition mission targeting stunting, undernutrition, anaemia and low birth weight in children, adolescent girls, pregnant women and lactating mothers through Anganwadi centres and convergent action.

EMPLOYMENTCENTRAL

PM Formalisation of Micro Food Processing Enterprises (PM FME)

A scheme to help two lakh micro food processing units and self help groups formalise, modernise and access credit, with 35 percent capital subsidy up to Rs 10 lakh per unit and seed capital for SHG members.

WELFARECENTRAL

Pradhan Mantri Gram Sadak Yojana (PMGSY)

A Centrally Sponsored Scheme to provide all weather road connectivity to unconnected habitations in rural India, now in its fourth phase with focus on upgradation, maintenance and tribal area connectivity.

FINANCECENTRAL

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)

A credit guarantee scheme that allows micro and small enterprises to access collateral free loans of up to Rs 5 crore from banks and NBFCs, with the Trust covering up to 85 percent of the bank's loss if the loan defaults.

EMPLOYMENTCENTRAL

National Apprenticeship Promotion Scheme (NAPS)

A scheme that promotes structured on the job training for young Indians by sharing a portion of the apprentice stipend with employers, with the goal of formalising apprenticeships and improving school to work transitions.

EMPLOYMENTCENTRAL

Prime Minister's Employment Generation Programme (PMEGP)

A credit linked subsidy programme that helps first generation entrepreneurs set up micro enterprises in manufacturing, services and trade by offering a margin money subsidy on bank loans.

PENSIONCENTRAL

Indira Gandhi National Widow Pension Scheme (IGNWPS)

A monthly pension paid to widows from below poverty line households between the ages of 40 and 79 under the National Social Assistance Programme, intended to provide a basic income floor after the loss of a spouse.

WELFARECENTRAL

Central Sector Interest Subsidy Scheme on Education Loans (CSIS)

A scheme that pays the interest on education loans during the study period and the moratorium for students from economically weaker sections pursuing professional and technical courses in India.

AGRICULTURECENTRAL

Pradhan Mantri Kisan Sampada Yojana (PMKSY-SAMPADA)

An umbrella scheme that funds food processing infrastructure such as mega food parks, cold chains, agro processing clusters and food testing labs to reduce post harvest losses and improve farmer realisation.

WELFARECENTRAL

Atal Bhujal Yojana (ATAL JAL)

A community led groundwater management programme that supports gram panchayats in seven water stressed states to plan and implement demand side measures for sustainable groundwater use.

EMPLOYMENTCENTRAL

PM Internship Scheme

A central scheme that places youth in twelve month paid internships with India's top 500 companies to give one crore young Indians real corporate work experience over five years.

EMPLOYMENTCENTRAL

Lakhpati Didi Yojana

An initiative under the National Rural Livelihoods Mission to support three crore women members of Self Help Groups in earning a sustainable annual household income of at least Rs one lakh through diversified livelihood activities.

AGRICULTURECENTRAL

Rashtriya Krishi Vikas Yojana

A flagship state plan scheme that gives states flexibility to draw their own agriculture and allied sector projects within a broad central framework, with the goal of holistic development of agriculture and allied sectors.

WELFARECENTRAL

PM YASHASVI Scholarship Scheme

Provides scholarships and free school fees to students from Other Backward Classes, Economically Backward Classes and Denotified, Nomadic and Semi Nomadic Tribes for study in top class schools at class 9 and class 11.

EMPLOYMENTCENTRAL

PM MITRA Mega Integrated Textile Region and Apparel Parks

Establishes seven world class integrated textile parks across India with state of the art infrastructure, plug and play facilities and common processing facilities to enable scale, attract investment and create textile jobs.

WELFARECENTRAL

NIPUN Bharat Mission

National Initiative for Proficiency in Reading with Understanding and Numeracy that targets foundational literacy and numeracy for every child by the end of Grade 3, anchored in the Samagra Shiksha framework.

WELFARECENTRAL

One Nation One Ration Card

Inter state portability of food security entitlements that lets ration card holders draw their NFSA quota of foodgrains from any electronic Point of Sale enabled Fair Price Shop anywhere in the country.

AGRICULTURECENTRAL

Pradhan Mantri Matsya Sampada Yojana

Flagship fisheries scheme covering inland and marine fisheries, aquaculture, post harvest infrastructure, fisher welfare and traceability, with central and state shares structured by beneficiary category.

WELFARECENTRAL

Mission Shakti

Integrated women safety and empowerment programme with two sub schemes, Sambal for protection and Samarthya for empowerment, covering One Stop Centres, Women Helpline 181, Beti Bachao Beti Padhao, Shakti Sadan, Sakhi Niwas, Palna and PMMVY.

HOUSINGCENTRAL

SVAMITVA Scheme

Survey of Villages Abadi and Mapping with Improvised Technology in Village Areas issues legal Property Cards for rural inhabited land using drone surveys, giving rural property owners a definitive title document for the first time.

WELFARECENTRAL

Deen Dayal Upadhyaya Gram Jyoti Yojana

Rural electrification programme separating agricultural and non-agricultural feeders and strengthening sub-transmission and distribution infrastructure in villages.

HEALTHCENTRAL

Ayushman Vay Vandana Card for Senior Citizens

Free ₹5 lakh health cover per year for every Indian citizen aged 70 and above, regardless of income, on top of any existing insurance.

FINANCECENTRAL

Stree Shakti Package for Women Entrepreneurs

Concessional working-capital and term-loan package from State Bank of India for women-owned enterprises, with interest concession of 0.50% and reduced margin requirements.

WELFARECENTRAL

Ujjawala Scheme for Rescue and Rehabilitation of Trafficking Victims

Comprehensive scheme for prevention of trafficking and rescue, rehabilitation, reintegration and repatriation of women and children victims of commercial sexual exploitation.

HEALTHCENTRAL

National AIDS and STD Control Programme (NACP-V)

Free, lifelong antiretroviral therapy, HIV testing, counselling, and prevention services for people living with HIV and key affected populations through over 700 ART centres.

HEALTHHEALTH & FAMILY WELFARE

National Health Mission (NHM)

India’s flagship health programme delivering universal access to equitable, affordable and quality health care through a revitalised public health system.

WELFAREURBAN DEVELOPMENT

Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM)

A demand-driven mission supporting street vendors, self-help groups, skill training and shelter for the urban poor across 4,500+ towns and cities.

EMPLOYMENTSKILL DEVELOPMENT

PM-DAKSH (Pradhan Mantri Dakshta Aur Kushalta Sampann Hitgrahi)

A targeted skill-development and livelihood programme for marginalised communities, equipping them with market-linked training and placement support.

WELFARECHILD & WOMEN DEVELOPMENT

Integrated Child Development Services (ICDS) Scheme

India’s largest early-childhood programme providing nutrition, preschool education, immunisation and health check-ups through 1.3 million+ Anganwadi centres.

HEALTHDISEASE CONTROL

National Sickle Cell Anaemia Elimination Mission

A mission-mode initiative to eliminate sickle cell disease by 2047 through universal screening, genetic counselling, treatment and awareness in tribal and high-burden districts.

EDUCATIONINNOVATION & STEM

Atal Tinkering Labs (Atal Innovation Mission)

A NITI Aayog initiative that funds dedicated tinkering and innovation workspaces in government and private schools so students from Class 6 to 12 can build robotics, IoT and 3D-printed prototypes.

EDUCATIONHIGHER EDUCATION FINANCE

PM Vidyalaxmi Scheme (Education Loans)

A central scheme that gives collateral-free, guarantor-free education loans up to Rs. 10 lakh for students admitted to India's top 860 Quality Higher Education Institutions, with full interest subvention for families earning under Rs. 8 lakh a year.

WELFARETRIBAL DEVELOPMENT

PM JANMAN (Particularly Vulnerable Tribal Groups Mission)

A Rs. 24,000 crore mission targeting India's 75 Particularly Vulnerable Tribal Groups (PVTGs) with pucca housing, all-weather roads, piped water, mobile medical units, electricity, anganwadis and vocational skilling in 22,544 PVTG habitations.

EMPLOYMENTSTARTUP ECOSYSTEM

NIDHI Programme (National Initiative for Developing and Harnessing Innovations)

A Department of Science & Technology umbrella programme that funds idea-stage student innovators, sets up incubators inside academic institutions, and gives equity-free seed grants up to Rs. 25 lakh to early-stage technology startups.

WELFAREURBAN MOBILITY

PM eBus Sewa Scheme

A central sector scheme to deploy 10,000 electric buses in 169 cities across India under the gross cost contract model, with central support of Rs. 20,000 crore over ten years for operations, depot infrastructure and charging.