🇮🇳 Central Government Schemes 2026 — Complete List
All PM Yojanas and central schemes — eligibility, registration & benefits
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All Central Government Schemes (153)
PM Vishwakarma Yojana 2026 — ₹3 Lakh Loan + ₹15,000 Toolkit for 18 Trades | pmvishwakarma.gov.in
PM Vishwakarma Yojana is a central government scheme launched on 17 September 2023 that supports traditional artisans and craftspeople across 18 trades with free skill training (₹500/day stipend), a ₹15,000 toolkit e-voucher, and collateral-free loans up to ₹3 lakh at just 5% interest. Implemented by the Ministry of MSME with a ₹13,000 crore budget over 5 years (FY2023-24 to FY2027-28). Registration is done FREE at Common Service Centres (CSC) using Aadhaar biometric authentication.
PM Awas Yojana 2025 — Pradhan Mantri Awas Yojana
Pradhan Mantri Awas Yojana provides financial assistance for construction of pucca houses to homeless and kutcha house-dwelling families in rural and urban areas.
PM Kisan Samman Nidhi Yojana 2025
PM-KISAN provides ₹6,000 per year direct income support to all land-holding farmer families across India in three equal instalments of ₹2,000.
Ayushman Bharat PM-JAY Yojana 2025
Ayushman Bharat provides free health insurance coverage of ₹5 lakh per family per year for secondary and tertiary hospitalisation to economically vulnerable families.
PM Ujjwala Yojana 2.0 — Free LPG Connection
Pradhan Mantri Ujjwala Yojana provides free LPG gas connections to women from below poverty line households to replace unhealthy cooking fuel usage.
PM YASASVI Scholarship Scheme 2025
PM Young Achievers Scholarship Award Scheme for Vibrant India provides scholarships to OBC, EBC, and DNT students for education in Classes 9-12.
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PM Suraksha Bima Yojana — ₹2 Lakh Accident Insurance
PMSBY provides accidental death and disability insurance cover of ₹2 lakh for just ₹20 per year, renewable annually through bank auto-debit.
PM Mudra Yojana 2026 — Collateral-Free Business Loan ₹50K to ₹20 Lakh
Pradhan Mantri Mudra Yojana offers collateral-free business loans to micro and small enterprises under four categories: Shishu (up to ₹50,000), Kishore (₹50,001–₹5 lakh), Tarun (₹5 lakh–₹10 lakh), and Tarun Plus (₹10 lakh–₹20 lakh, launched 2024 for repeat Tarun borrowers). Over 52 crore loans sanctioned worth ₹27 lakh crore since 2015.
Sukanya Samriddhi Yojana 2026 — 8.2% Interest Girl Child Savings Scheme
Sukanya Samriddhi Yojana is a government-backed savings scheme for girl children offering one of the highest fixed interest rates (8.2% p.a.) with full tax exemption under Section 80C. Minimum deposit just Rs.250/year; maximum Rs.1.5 lakh/year. Account matures 21 years from opening or at marriage after age 18.
Atal Pension Yojana 2026 — Guaranteed ₹1,000–₹5,000 Monthly Pension | APY Registration
Atal Pension Yojana provides a guaranteed monthly pension of Rs.1,000 to Rs.5,000 after age 60 to unorganized sector workers. Over 7 crore subscribers enrolled. Small monthly contributions from age 18 ensure a dignified retirement income. Contributions also qualify for Section 80CCD(1B) tax deduction up to Rs.50,000.
PM Jeevan Jyoti Bima Yojana 2026 — Rs.2 Lakh Life Insurance at Rs.436/Year
PM Jeevan Jyoti Bima Yojana (PMJJBY) is a government-backed renewable term life insurance scheme that offers Rs.2 lakh death cover for any cause at just Rs.436 per year. The premium is automatically debited from the subscriber's savings bank account every year between 25 May and 31 May. Launched in 2015 under Pradhan Mantri Jan Suraksha Yojana, the scheme is available to all bank account holders aged 18 to 50 years and is administered through partner public and private sector banks.
PM Fasal Bima Yojana — Crop Insurance Scheme 2025
Pradhan Mantri Fasal Bima Yojana provides comprehensive financial support to farmers who suffer crop loss due to natural calamities, pests, or diseases at very low premium rates.
Kisan Credit Card (KCC) Scheme 2025
Kisan Credit Card provides farmers with flexible and affordable short-term credit for cultivation expenses, post-harvest needs, and allied activities at interest rates as low as 4% per annum.
Beti Bachao Beti Padhao Yojana 2026 — Girl Child Education & Welfare Scheme
Beti Bachao Beti Padhao (BBBP) is a national mission launched in 2015 to address India's declining child sex ratio (CSR) and ensure the survival, protection, education, and empowerment of the girl child. The scheme operates across all 640 districts with a multi-ministry approach involving Women and Child Development, Health, and Education. Key interventions include community awareness campaigns against sex-selective abortion, free education support for girl students under the Sukanya Samriddhi and Udaan programmes, and Anganwadi-based health support. Financial incentives like Sukanya Samriddhi Yojana accounts are linked to BBBP to encourage families to invest in their daughters' future.
Stand Up India Scheme 2026 — ₹10 Lakh to ₹1 Crore Loan | SC/ST & Women Entrepreneurs
Stand Up India facilitates bank loans between Rs.10 lakh and Rs.1 crore to at least one SC or ST borrower and one woman borrower per bank branch for setting up new greenfield enterprises. Over 2.37 lakh accounts sanctioned worth Rs.55,000 crore since 2016. 7-year repayment period with 18-month moratorium. Apply at standupmitra.in.
PMEGP 2026 — 15–35% Subsidy | Rs.50 Lakh Loan | PM Employment Generation Programme
Prime Minister Employment Generation Programme (PMEGP) provides government subsidy of 15 to 35% on project costs to set up micro-enterprises. Manufacturing sector: up to Rs.50 lakh project cost. Service sector: up to Rs.20 lakh. SC/ST/Women/NE region get 35% subsidy vs 15% for General urban. Implemented by KVIC through banks. Over 9.67 lakh units established creating 77 lakh+ jobs since 2008.
Jal Jeevan Mission 2026 — Har Ghar Jal Tap Water Connection for Every Home
Jal Jeevan Mission (JJM), also known as Har Ghar Jal, is a flagship central government initiative launched in 2019 to provide Functional Household Tap Connections (FHTC) to every rural household in India by 2024. Under JJM, the central and state governments jointly fund the installation of piped water supply infrastructure, ensuring a minimum of 55 litres of potable water per person per day. The scheme prioritises SC/ST-dominated habitations, aspirational districts, drought-prone areas, and schools and Anganwadi centres. Rural communities participate through Village Water and Sanitation Committees (VWSCs). The JJM helpline for water supply complaints is 1916.
PM POSHAN — Free Mid-Day Meal Scheme 2025
PM Poshan Shakti Nirman (formerly Mid-Day Meal Scheme) provides free hot cooked meals to students in government and government-aided schools to improve nutrition and boost school attendance.
National Scholarship Portal (NSP) 2026 — Apply for Central Scholarships Online
The National Scholarship Portal is a one-stop platform for students to apply for all central government scholarship schemes including pre-matric, post-matric, and merit-cum-means scholarships for SC, ST, OBC, and minority students.
Pradhan Mantri Matru Vandana Yojana (PMMVY) 2025
PMMVY provides Rs.5,000 cash incentive to pregnant and lactating women for the first living child to partially compensate for wage loss and encourage institutional delivery and proper nutrition.
PM Surya Ghar Muft Bijli Yojana 2026 — 300 Units Free Electricity
PM Surya Ghar Muft Bijli Yojana provides 300 units of free electricity per month to households that install rooftop solar panels, with a central government subsidy of up to ₹78,000 on installation cost.
E-Shram Card 2026 — Free Registration for Unorganized Workers
E-Shram is a national database for unorganized sector workers providing a Universal Account Number (UAN) card, ₹2 lakh accident insurance, and priority access to 12 government welfare schemes.
Agniveer Scheme 2026 — Agnipath Defence Recruitment, Salary & Seva Nidhi
The Agniveer Scheme, launched under the Agnipath programme in 2022, recruits Indian youth aged 17.5 to 21 years for a 4-year short-service commission in the Indian Army, Navy, or Air Force. Agniveers receive a monthly salary starting at Rs.30,000 (rising to Rs.40,000 in the 4th year) plus risk and hardship allowances. On completion of 4 years, they receive a tax-free Seva Nidhi package of Rs.11.71 lakh (their contribution matched by the government with interest). Up to 25% of each batch is offered permanent enrolment in the regular armed forces based on merit and performance. Agniveers also receive priority in central paramilitary forces (CRPF, CISF, BSF) and several state police recruitment drives.
PM Jan Dhan Yojana 2026 — Zero Balance Bank Account + ₹2 Lakh Insurance
Pradhan Mantri Jan Dhan Yojana (PMJDY) is India's largest financial inclusion scheme with 56+ crore accounts. Any Indian citizen can open a zero-balance savings account with free RuPay debit card, ₹2 lakh accident insurance, ₹30,000 life insurance, and ₹10,000 overdraft facility.
MGNREGA / NREGA Job Card 2026 — 100 दिन काम की गारंटी, ₹267/दिन मजदूरी
Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) guarantees 100 days of wage employment per year to every rural household in India. Workers receive ₹267/day (minimum wage varies by state) directly to their bank accounts. With over 15 crore active Job Card holders, MGNREGA is the world's largest employment guarantee programme.
PM Internship Scheme 2026 — ₹9,000/Month Stipend | 1 Crore Youth | pminternship.mca.gov.in
PM Internship Scheme is a flagship Government of India initiative launched in 2024 that places 1 crore young Indians (aged 21–24) in 12-month paid internships at top 500 companies across sectors. Interns receive ₹9,000/month stipend (₹6,000 from government + ₹3,000+ from company CSR), ₹6,000 one-time travel grant, and ₹2 lakh accident insurance under PM Jeevan Jyoti Bima Yojana.
PM Kisan Maandhan Yojana 2026 — ₹3,000/Month Pension for Farmers | maandhan.in
PM Kisan Maandhan Yojana (PM-KMY) is a voluntary and contributory pension scheme for small and marginal farmers launched in 2019. Farmers aged 18–40 contribute a small monthly amount (₹55–₹200 depending on entry age) and receive a guaranteed pension of ₹3,000/month after reaching 60 years of age. The Government of India contributes an equal matching amount to the Pension Fund.
PM Kaushal Vikas Yojana 4.0 — 2026 Free Skill Training + ₹8,000 Certificate | PMKVY
PM Kaushal Vikas Yojana 4.0 (PMKVY 4.0) is the fourth phase of India's flagship skill training programme launched in 2022. It provides free short-term skill training in 220+ job roles across industry sectors to 1 crore youth. Trainees receive a National Skill Qualification Framework (NSQF)-linked certificate, ₹8,000 completion bonus, and placement support through top companies.
PM Swamitva Yojana 2026 — Village Property Card | Drone Survey | ₹5 Lakh Loan Collateral
PM Swamitva Yojana (Survey of Villages Abadi and Mapping with Improvised Technology in Village Areas) provides legal property rights to village household owners through drone-based survey. Villagers get a Property Card (Adhikar Patra) which can be used as collateral for bank loans up to ₹5 lakh. Launched in 2020, covering 6 lakh+ villages across India.
PM DAKSH Yojana 2026 — Free Skill Training for SC/ST/OBC/Minorities | ₹3,000 Stipend
PM DAKSH (Pradhan Mantri Dakshata Aur Kushalta Sampann Hitgrahi) Yojana provides free short-term and long-term skill training to Scheduled Castes, Scheduled Tribes, OBCs, EBCs, DNTs, and Minorities. Trainees receive ₹1,000–₹3,000 monthly stipend during training, placement support, and industry-recognized certification. Apply at pmdaksh.dosje.gov.in.
DAY-NRLM Ajeevika 2026 — Self Help Group Loan ₹3 Lakh | aajeevika.gov.in
Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM) organises rural poor women into Self Help Groups (SHGs) and provides them access to bank credit, livelihood support, and social mobilisation. SHGs get revolving fund of ₹15,000, Community Investment Fund up to ₹2.5 lakh, and bank loans up to ₹3 lakh at subsidised rates.
PM SHRI Schools Scheme 2026 — 14,500 Upgraded Schools | Smart Class + Career Counselling
PM SHRI (PM Schools for Rising India) is a centrally sponsored scheme that upgrades 14,500 government schools across India into modern, green, and smart schools. Each selected PM SHRI school gets ₹2 crore+ for smart classrooms, digital libraries, labs, career counselling, vocational education, and NEP 2020 implementation over 5 years.
One Nation One Ration Card (ONORC) 2026 — Ration Anywhere in India | nfsa.gov.in
One Nation One Ration Card (ONORC) allows any NFSA beneficiary to avail their entitled ration from any Fair Price Shop (FPS) anywhere in India using Aadhaar-based biometric authentication. Migrant workers can now get ration in the city where they work, not just their home state. All 36 states/UTs are covered under ONORC.
NMMS Scholarship 2026 — ₹12,000/Year for Class 9-12 Meritorious Students | scholarships.gov.in
National Means-cum-Merit Scholarship (NMMS) is a centrally sponsored scholarship scheme that provides ₹12,000 per year (₹1,000/month) to meritorious students from economically weaker sections studying in Classes 9 to 12 in government schools. The scholarship continues for all 4 years (Class 9 to 12) subject to annual renewal. Apply through scholarships.gov.in.
PM CARES for Children 2026 — COVID Orphans: ₹10 Lakh at 18 + Free Education + Health
PM CARES for Children scheme provides comprehensive support to children who lost both parents or legal guardian due to COVID-19. Benefits include: ₹10 lakh corpus deposited in their name (accessible at age 18), free education from Class 1 to Class 12 (Navodaya/KVS or state residential schools), PM-JAY health insurance up to ₹5 lakh, and monthly stipend after 18 years.
PPF – Public Provident Fund 2026 — 7.1% Interest | Tax-Free ₹1.5 Lakh/Year | 15-Year Lock
Public Provident Fund (PPF) is India's most popular long-term savings scheme backed by the Government of India with guaranteed returns. Invest ₹500 to ₹1.5 lakh per year and earn 7.1% interest (compounded annually) — completely tax-free under Section 80C and Section 10. Maturity period is 15 years (extendable). Account can be opened at any post office or nationalised bank.
NPS – National Pension System 2026 — Market-Linked Pension + 80CCD Tax Benefit ₹2 Lakh
National Pension System (NPS) is a voluntary, contributory pension scheme regulated by PFRDA (Pension Fund Regulatory and Development Authority). Open to all Indian citizens aged 18–70. Invest in market-linked pension funds and receive a monthly pension after age 60. NPS offers additional tax deduction of ₹50,000 under Section 80CCD(1B) over and above the ₹1.5 lakh 80C limit.
SCSS – Senior Citizen Savings Scheme 2026 — 8.2% Interest | ₹30 Lakh Maximum | Post Office
Senior Citizen Savings Scheme (SCSS) is a government-backed savings scheme specifically for senior citizens (60+ years) offering the highest guaranteed interest rate among all small savings schemes — 8.2% per annum (paid quarterly). Maximum deposit ₹30 lakh per person. Backed by Government of India, completely safe. Available at all post offices and select banks.
Swachh Bharat Mission 2026 — Free Toilet Construction ₹12,000 | SBM-Gramin + Urban | sbmurban.org
Swachh Bharat Mission (SBM) is India's largest sanitation programme launched on October 2, 2014. Under SBM-Gramin (rural), BPL and identified APL households get ₹12,000 incentive to construct household toilets. Under SBM-Urban, urban local bodies get funding for individual, community, and public toilets. SBM-Gramin Phase 2 focuses on ODF Plus (solid/liquid waste management, plastic waste management).
DAY-NULM Urban Livelihoods Mission 2026 — ₹2 Lakh Self-Employment Loan | Urban Poor | aajeevika.gov.in
Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM) supports urban poor and street vendors through Self-Employment Programme (SEP): individual loans up to ₹2 lakh at 7% interest, SHG loans, skill training, and shelter for urban homeless. Urban street vendors registered under PM SVANidhi also fall under NULM framework.
PM Matsya Sampada Yojana 2026 — ₹3 Lakh Subsidy for Fishermen | pmmsy.dof.gov.in
Pradhan Mantri Matsya Sampada Yojana (PMMSY) is the flagship fisheries development scheme launched in 2020 with a budget of ₹20,050 crore. It provides subsidized assistance for aquaculture infrastructure, fishing boats, nets, ice plants, cold storage, and livelihood support to 2.8 crore fishing community members. Subsidy: 40-60% for general category, 60% for SC/ST/Women.
Samagra Shiksha Abhiyan 2026 — Free Uniform, Books, Midday Meal for All Government School Students
Samagra Shiksha Abhiyan is an integrated school education scheme covering pre-school to Class 12, implemented from 2018 by merging SSA, RMSA, and TE. It provides free textbooks, uniforms (₹600/year), Midday Meal, ICT labs, sports equipment, and special needs support to students in all government schools. It also funds teacher training, school infrastructure, and equity interventions for girls and marginalised communities.
National Health Mission 2026 — Free Health Services + Free Medicines + NHM ASHAs | nhm.gov.in
National Health Mission (NHM) is India's largest public health programme covering National Rural Health Mission (NRHM) and National Urban Health Mission (NUHM). It provides free essential medicines, diagnostics, and health services at government health facilities. Key components: ASHA workers, Janani Suraksha Yojana (JSY), Janani Shishu Suraksha Karyakram (JSSK), free immunisation, and Rashtriya Bal Swasthya Karyakram (RBSK).
Mission Vatsalya 2026 — Child Welfare & Protection | Child Care Institutions + Sponsorship ₹4,000/Month
Mission Vatsalya is the umbrella child protection and welfare scheme of the Government of India launched in 2021-22 (replacing earlier ICPS). It ensures every child lives in a safe and nurturing environment. Key benefits: Sponsorship Scheme (₹4,000/month for vulnerable children), Foster Care Support, Child Care Institutions (CCIs) for orphans and abandoned children, and After Care (₹2,000/month for youth aged 18-21 leaving CCIs).
Poshan 2.0 / Saksham Anganwadi 2026 — Free Nutrition for 8 Crore Children + Pregnant Women
Poshan 2.0 (Saksham Anganwadi and Poshan 2.0) is the umbrella nutrition mission launched in 2021 by merging ICDS, Poshan Abhiyan, and other nutrition schemes. It provides supplementary nutrition to 8 crore children (0-6 years), 1.78 crore pregnant/lactating mothers, and 2 crore adolescent girls. Each beneficiary gets hot cooked meals or take-home rations through anganwadi centres.
Startup India Scheme 2026 — Tax Exemption + ₹10 Crore Funding | Fund of Funds | startupindia.gov.in
Startup India is Government of India's flagship initiative to build a strong startup ecosystem. Recognized startups get: 3-year income tax exemption (80-IAC), 80% rebate on patent fees, government procurement without prior experience requirement, self-certification under 9 labour laws, and access to Fund of Funds (FFS) of ₹10,000 crore. Register at startupindia.gov.in to get DPIIT recognition certificate.
Digital India Scheme 2026 — DigiLocker, UMANG, CSC, BharatNet | digitalindia.gov.in
Digital India is the Government of India's flagship programme to transform India into a digitally empowered society. Key pillars: DigiLocker (online document storage), UMANG app (500+ government services), BharatNet (rural broadband), CSC (Common Service Centres — 5 lakh+), Aadhaar-based DBT, e-Courts, e-Hospital, BHIM UPI, and India Stack APIs. Launched in 2015 with a vision of Digital Infrastructure, Digital Services, and Digital Literacy.
DDU-GKY 2026 — Free Residential Skill Training + Placement for Rural Youth | ddugky.gov.in
Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY) provides free residential skill training to rural youth from poor families (aged 15-35) and places them in jobs paying minimum ₹10,000/month. It is funded by Ministry of Rural Development and covers food, accommodation, and training costs. Focus on SC/ST/minorities/women — 50% of training must be for these categories.
Lakhpati Didi Yojana 2026 — 3 Crore Women SHG Members Earn ₹1 Lakh+/Year | Free Skill Training
Lakhpati Didi Yojana is the Government of India's ambitious initiative to make 3 crore women SHG (Self Help Group) members earn ₹1 lakh or more per year through skill development, micro-enterprise support, and livelihood enhancement. Announced by PM Modi in 2023, it provides free skill training in LED bulb making, plumbing, drone repair, solar panel installation, and other high-demand trades. Drone Didi is a subset of this initiative.
Namo Drone Didi 2026 — 15,000 Women SHG Drones | Agricultural Spraying | ₹8 Lakh Subsidy
Namo Drone Didi is a Government of India scheme to provide 15,000 agricultural drones to women SHG (Self Help Group) clusters for crop spraying and agri-services. Each SHG cluster (10-15 SHGs) gets a drone with 80% subsidy (up to ₹8 lakh), free training for the woman pilot, and a guaranteed income of ₹1 lakh/year from drone rental services to farmers in their area.
Rashtriya Vayoshri Yojana 2026 — Free Aids for Senior Citizens | Walking Stick, Wheelchair, Hearing Aid
Rashtriya Vayoshri Yojana (RVY) provides free assisted-living devices (walking sticks, elbow crutches, wheelchairs, hearing aids, spectacles, dentures) to BPL senior citizens aged 60+ years who suffer from age-related disabilities. Devices are distributed at special camps organized by ALIMCO in camps at the district level. 100% funded by Central Government from Senior Citizens Welfare Fund.
PMRPY – PM Rojgar Protsahan Yojana 2026 — 12% EPF Employer Share Paid by Govt for 3 Years
Pradhan Mantri Rojgar Protsahan Yojana (PMRPY) incentivises employers to create new jobs by paying the employer's full 12% EPF contribution for 3 years for each new employee (earning up to ₹15,000/month). This reduces the cost of hiring, especially for MSMEs and factories. Over 1.52 crore beneficiaries and 1.74 lakh establishments benefited since launch.
NAPS – National Apprenticeship Promotion Scheme 2026 — ₹1,500/Month Stipend Share | apprenticeshipindia.org
National Apprenticeship Promotion Scheme (NAPS) promotes apprenticeship training by sharing 25% of the prescribed stipend (up to ₹1,500/month) with employers who engage apprentices. The scheme covers all designated trades and optional trades under Apprentices Act. Over 50 lakh apprentices trained since launch. Apply at apprenticeshipindia.org as student or employer.
PM Gati Shakti 2026 — ₹100 Lakh Crore Infrastructure Plan | Multi-Modal Connectivity | gatishakti.gov.in
PM Gati Shakti National Master Plan is a ₹100 lakh crore infrastructure initiative to boost multi-modal connectivity across India by 2025. It integrates planning of 16 ministries through a GIS-based platform to synchronize rail, road, port, airport, pipeline, waterway, and logistics infrastructure. It aims to reduce logistics costs from 14% to 8% of GDP and create employment for 60 lakh people.
PM Dhan-Dhaanya Krishi Yojana 2025 — ₹1.44 Lakh Crore Agriculture Mission for 1.7 Crore Farmers | pmddk.gov.in
PM Dhan-Dhaanya Krishi Yojana (PMDDKY) is India's most significant new agriculture scheme launched by PM Modi in October 2025 under Budget 2025-26. The scheme targets 100 low-productivity agricultural districts across India with a ₹1.44 lakh crore investment over 6 years, benefiting 1.7 crore farmers. It integrates 36 existing central agriculture schemes under one umbrella to deliver irrigation, crop insurance, soil health, post-harvest storage, credit access, and market linkage in a convergent manner to each selected district. The scheme prioritises Aspirational Districts and districts with below-national-average agricultural productivity. Key benefits include: pre and post-harvest infrastructure, crop diversification support, natural farming promotion, and farmer income doubling through value-chain linkages.
Antyodaya Anna Yojana (AAY) 2026 — 35 Kg Subsidised Grain/Month for Poorest Families | nfsa.gov.in
Antyodaya Anna Yojana (AAY) is India's targeted food security scheme for the poorest of the poor, launched by PM Atal Bihari Vajpayee in December 2000. Under AAY, identified families (with yellow ration card) receive 35 kg of food grain per month at highly subsidised rates — rice at ₹3/kg and wheat at ₹2/kg (and coarse cereals at ₹1/kg). AAY covers 2.5 crore families nationally — those with no steady income, landless agriculture labourers, marginal farmers, rural artisans, slum dwellers, and the destitute. Under the National Food Security Act (NFSA) 2013, AAY beneficiaries receive grains free of cost (zero price) as the state and central government absorb the full cost. The yellow AAY ration card is distinct from the Priority Household (PHH) white/pink card.
PM Krishi Sinchai Yojana (PMKSY) 2026 — Har Khet Ko Pani, More Crop Per Drop | pmksy.gov.in
Pradhan Mantri Krishi Sinchai Yojana (PMKSY) is India's flagship irrigation scheme launched in 2015 with the motto 'Har Khet Ko Pani, More Crop Per Drop.' The scheme aims to achieve convergence of irrigation investments at field level — providing end-to-end solutions from water source creation to field application. PMKSY has four major components: (1) Accelerated Irrigation Benefit Programme (AIBP) — completing long-pending irrigation projects; (2) Har Khet Ko Pani (HKKP) — ground water development and distribution network; (3) Per Drop More Crop (PDMC) — micro-irrigation (drip and sprinkler) with 55% subsidy for small/marginal farmers; (4) Watershed Development. Over 7 crore hectares of agricultural land covered with an outlay of ₹93,068 crore under the current phase.
PM Vaya Vandana Yojana (PMVVY) 2026 — Guaranteed 7.4% Pension for Senior Citizens via LIC | licindia.in
Pradhan Mantri Vaya Vandana Yojana (PMVVY) is a government-backed pension scheme exclusively for senior citizens aged 60 years and above, administered by LIC of India. PMVVY provides guaranteed pension income at 7.4% per annum for 10 years — payable monthly, quarterly, half-yearly, or annually — regardless of market conditions. Launched by PM Modi in 2017 and extended in subsequent phases, it allows investment of up to ₹15 lakh per senior citizen (₹30 lakh per couple), giving a maximum monthly pension of ₹9,250 per month. After 10 years, the full purchase price is returned to the investor or to their nominee on death. In case of critical illness, premature exit is permitted with 98% of purchase price returned.
Gig & Platform Workers Social Security Scheme 2025 — PM-JAY + e-Shram Benefits for 1 Crore Workers | eshramnidhi.nic.in
The Gig and Platform Workers Social Security Scheme is India's Budget 2025-26 flagship initiative to extend formal social security to an estimated 1 crore gig and platform workers (Ola/Uber drivers, Swiggy/Zomato delivery partners, Urban Company workers, etc.) who were previously excluded from any welfare net. The scheme extends PM-JAY health insurance (₹5 lakh/year) and e-Shram accident insurance (₹2 lakh) to all registered gig workers through the e-Shram portal. Additionally, aggregator platforms (Ola, Uber, Swiggy, Zomato) are required to contribute 1-2% of their platform fees to a Gig Workers Welfare Fund. India is among the first countries to legislate social security for gig workers at this scale.
Paramparagat Krishi Vikas Yojana (PKVY) 2026 — ₹50,000/Hectare for Organic Farming | pgsindia.net
Paramparagat Krishi Vikas Yojana (PKVY) is India's flagship organic farming promotion scheme launched in 2015 under the National Mission for Sustainable Agriculture. PKVY provides financial assistance of ₹50,000 per hectare over 3 years to farmers adopting organic farming through cluster-based approach. Farmers are organised into clusters of 50 in a contiguous area of 50 hectares, and the cluster receives organic inputs, certification support, and market linkage. The scheme promotes traditional Indian organic farming methods including Rishi Krishi, Zero Budget Natural Farming (ZBNF), and Bharat Organic certification. Over 8.89 lakh farmers have been certified organic under PKVY, making India the world's largest organic producer by farmer count.
e-NAM — National Agriculture Market 2026 — Online Mandi for 1.8 Crore Farmers | enam.gov.in
e-NAM (Electronic National Agriculture Market) is India's pan-India electronic trading portal for agricultural commodities, launched in 2016 to create a unified national market for farmers. It connects 1,361 APMCs (Mandis) across 23 states/UTs through a single online platform, enabling farmers to sell their produce to buyers across India at transparent, competitive prices without middlemen. Farmers get better price discovery through online bidding, while buyers can purchase from any empanelled mandi remotely. Over 1.8 crore farmers and 2.7 lakh traders are registered. Key features: online quality assaying, electronic payment, logistics integration, and FPO (Farmer Producer Organisation) trading module. The platform handles over ₹3 lakh crore in trade annually.
Soil Health Card Scheme India 2026 — Free Soil Testing & Fertiliser Recommendations for Farmers | soilhealth.dac.gov.in
Soil Health Card (SHC) Scheme is India's flagship soil testing initiative launched by PM Modi in February 2015. Under the scheme, every farmer's agricultural land is tested for 12 soil health parameters including major nutrients (N, P, K), secondary nutrients (S, Ca, Mg), and micro-nutrients (Fe, Mn, Cu, Zn, B, Mo) every 3 years. Based on test results, a Soil Health Card is issued — a printed/digital report showing soil nutrient status and crop-specific fertiliser recommendations (how much urea, DAP, potash to use). The scheme has issued over 23 crore soil health cards to date, saving farmers money on excess fertiliser use while improving crop yields by 5-6%. Under Budget 2025-26, the scheme is being expanded with digital soil map creation.
NATS — National Apprenticeship Training Scheme 2026 — Stipend for Diploma & Degree Graduates | nats.education.gov.in
National Apprenticeship Training Scheme (NATS) is India's government scheme providing on-the-job training to diploma and degree graduates in government and private establishments, with a monthly stipend of ₹3,542–₹9,000 depending on qualification and establishment type. Administered by the Board of Apprenticeship Training (BOAT) under the Ministry of Education, NATS is distinct from NAPS (National Apprenticeship Promotion Scheme under Labour Ministry which covers ITI/vocational). NATS specifically targets engineering diploma holders and graduate engineers for 1-year structured training at India's top public sector undertakings (PSUs) and private companies. Over 5.23 lakh apprentices were engaged in FY2024-25. The scheme is mandatory for establishments with 30+ employees to engage apprentices.
Biopharma SHAKTI Mission India 2026 — ₹10,000 Crore Biotech & Pharma Boost | birac.nic.in
Biopharma SHAKTI (Synergizing Healthcare, Advancement, Knowledge, Technology and Innovation) is a new ₹10,000 crore flagship mission announced in Union Budget 2026-27 to position India as a global biotech and biopharma leader. The mission focuses on accelerating vaccine development, biologics manufacturing, biosimilar production, and genomics research. It builds on India's existing Biotechnology Industry Research Assistance Council (BIRAC) infrastructure and the Ayushman Bharat Health Infrastructure Mission. The scheme provides grants, equity support, and subsidised loans to biotech startups, MSMEs, and large pharma companies investing in next-generation biologics, mRNA platforms, cell and gene therapy, and precision medicine. India's pharma industry — valued at $65 billion — is already the world's 3rd largest by volume; Biopharma SHAKTI targets making it #1 by 2030.
Smart Cities Mission 2026 — 100 Smart Cities ₹2.05 Lakh Crore Urban Development | UPSC Favourite
Smart Cities Mission (SCM) launched in June 2015 aims to develop 100 cities across India with smart infrastructure, ICT solutions, and citizen-centric services. ₹2.05 lakh crore total investment (central + state + PPP). Focus on smart roads, smart water, smart power, IT connectivity, e-governance, and sustainable environment. All 100 cities have formed Special Purpose Vehicles (SPVs) and 7,800+ projects worth ₹1.78 lakh crore completed. A staple topic in UPSC and state PSC examinations.
UDAN Scheme 2026 — ₹2,500 में हवाई यात्रा | 120 New Routes Budget 2025-26 | Ude Desh Ka Aam Nagrik
UDAN (Ude Desh Ka Aam Nagrik) scheme makes air travel affordable for common citizens by capping fares at ₹2,500/seat (1-hour flight) on regional routes. Budget 2025-26 announced 120 new regional air routes. UDAN connects Tier 2 and Tier 3 cities and unserved airports. Airlines operating UDAN routes get Viability Gap Funding (VGF) from the government. Over 600 UDAN routes operational, 80+ airports connected, 1.3 crore+ passengers served.
PM Gram Sadak Yojana 4.0 (PMGSY-IV) 2024 — 25,000 Villages All-Weather Roads | ₹70,125 Crore
PM Gram Sadak Yojana Phase IV (PMGSY-IV) launched 2024 targets connecting 25,000 unconnected habitations with all-weather roads. Budget: ₹70,125 crore. Phase IV upgrades existing PMGSY roads, connects multi-village habitations, and prioritises left-wing extremism (LWE) affected areas, tribal regions, and border areas. Overall PMGSY (all phases combined): 7.93 lakh km roads built, 1.85 lakh rural habitations connected since 2000.
PM Garib Kalyan Anna Yojana (PMGKAY) 2026 — Free 5 kg Grain/Month to 81 Crore | nfsa.gov.in
PM Garib Kalyan Anna Yojana (PMGKAY) provides free food grain — 5 kg wheat/rice per person per month — to 81.35 crore beneficiaries covered under the National Food Security Act (NFSA). Launched in April 2020 during COVID-19, made permanent from January 2024 under the NFSA umbrella. No payment required — grain is distributed free through PDS ration shops. Budget: ₹2 lakh crore annually. Managed by the Ministry of Consumer Affairs, Food & Public Distribution.
PMAY Urban 2.0 (2024) — Rs 2.30 Lakh Subsidy + 1 Crore New Urban Houses | pmaymis.gov.in
Pradhan Mantri Awas Yojana Urban 2.0 (PMAY-U 2.0) was launched in August 2024 to build 1 crore affordable houses for urban poor and middle-class families over 5 years (2024-29) with a total outlay of Rs 10 lakh crore. The scheme provides interest subsidy (Credit Linked Subsidy Scheme — CLSS) up to Rs 2.30 lakh on home loans, beneficiary-led construction (BLC) assistance, and affordable housing in partnership. EWS/LIG/MIG families with annual income up to Rs 18 lakh are eligible.
PM JANMAN Yojana 2026 — Rs 24,104 Crore for 75 PVTG Tribes, 4.90 Lakh Households | pmjanman.gov.in
PM Particularly Vulnerable Tribal Groups (PVTG) Development Mission — PM JANMAN — was launched by PM Modi on November 15, 2023 (Janjatiya Gaurav Diwas). It targets 75 Particularly Vulnerable Tribal Groups (PVTGs) across 18 states with Rs 24,104 crore outlay to cover 4.90 lakh households. The scheme integrates 11 critical interventions including housing (PMAY-G), road connectivity (PMGSY), telecom, piped water (Jal Jeevan Mission), and health (PM-JAY) specifically for PVTGs.
NSAP Pension Scheme 2026 — Rs 200-500/Month to 3.5 Crore Elderly, Widows, Disabled | nsap.nic.in
National Social Assistance Programme (NSAP) is a flagship central social protection scheme providing monthly cash pensions to elderly (60+), widows, and persons with disabilities below the poverty line. Components: Indira Gandhi National Old Age Pension Scheme (IGNOAPS) — Rs 200/month (60-79 yrs), Rs 500/month (80+ yrs); Indira Gandhi National Widow Pension Scheme (IGNWPS) — Rs 300/month; Indira Gandhi National Disability Pension Scheme (IGNDPS) — Rs 300/month; Annapurna — 10 kg free grain. Over 3.5 crore beneficiaries annually. States often top up the central component.
PM SVANidhi 2.0 — Rs 10,000-50,000 Loan to 60 Lakh Street Vendors | pmsvanidhi.mohua.gov.in
PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) provides affordable working capital loans to street vendors. Extended as PM SVANidhi 2.0, the scheme offers: 1st loan Rs 10,000, 2nd loan Rs 20,000, 3rd loan Rs 50,000 — all with 7% interest subsidy. Vendors who repay on time and use digital transactions get 1% cashback. Over 60 lakh loans sanctioned. Ministry of Housing and Urban Affairs implements via ULBs and microfinance institutions.
PM e-Bus Sewa — 10,000 Electric Buses for 169 Cities | pmebus.in
PM e-Bus Sewa was launched in August 2023 to deploy 10,000 electric buses across 169 cities in India under the Public Private Partnership (PPP) model. The scheme targets cities with population 3 lakh+ (Tier 2 and Tier 3) that currently lack organised bus services. Central government provides capital subsidy per bus and 10-year operational support. Total outlay: Rs 57,613 crore. Aims to reduce urban pollution, lower commuting costs, and improve last-mile public transport connectivity.
Atal Innovation Mission (AIM) 2026 — 10,000 Atal Tinkering Labs + Startup Support | aim.gov.in
Atal Innovation Mission (AIM), established in 2016 under NITI Aayog, is India's flagship initiative to foster innovation and entrepreneurship. Key programmes: Atal Tinkering Labs (ATL) — Rs 20 lakh per school for STEM problem-solving in 10,000 schools; Atal Incubation Centres (AIC) — Rs 10 crore grant to set up startup incubators; Atal New India Challenges (ANIC) — grant up to Rs 1 crore for technology solutions to national problems; Atal Community Innovation Centres (ACIC) — innovation centres in Tier 2/3 cities. Over 10,000 ATLs operational.
Mission Shakti 2026 — One Stop Centre + Nirbhaya Fund + Ujjwala | WCD Women Safety Umbrella Scheme
Mission Shakti is the Ministry of Women and Child Development's flagship umbrella scheme for the safety, security, and empowerment of women. Launched in 2021-22, it consolidates multiple women safety schemes into two sub-schemes: SAMBAL (safety/support) and SAMARTHYA (empowerment). SAMBAL covers: One Stop Centres (OSC) — 733+ centres for distress women; 181 women helpline; PM Matru Vandana Yojana maternity benefit; Swadhar Greh (shelter homes). SAMARTHYA covers: Beti Bachao Beti Padhao; Ujjwala anti-trafficking; Nari Adalats. Nirbhaya Fund projects also channelled through Mission Shakti.
PM WANI Free Public WiFi 2026 — Rural Kirana से WiFi | 20 Lakh Access Points | PM-WANI Scheme
PM WANI (Wi-Fi Access Network Interface) is India's free public WiFi scheme that enables any shopkeeper, tea stall, or kirana store to become a public WiFi hotspot without a licence. Launched December 2020, it works through Public Data Offices (PDOs — any shop) who install WiFi routers and provide internet to public. Citizens get affordable/free WiFi access. Target: 20 lakh PDO hotspots across India, especially rural areas. Anyone can walk into a PM-WANI PDO shop and connect to internet. No licence needed for shopkeepers.
PM Matsya Kisan Samridhi Sah-Yojana (PM-MKSSY) 2026 — ₹3 Lakh Kisan Credit + Micro Insurance | Fishermen Scheme
Pradhan Mantri Matsya Kisan Samridhi Sah-Yojana (PM-MKSSY) is a new central scheme launched in Budget 2024-25 specifically for the formalization and welfare of fishermen and fish farmers. Key benefits: Kisan Credit Card (KCC) for fishermen — ₹3 lakh credit at 7% (effective 4% with subvention); micro-insurance of ₹2 lakh for boat owners and ₹1 lakh for non-boat fishermen; onboarding on PM FishNet digital platform for identity and market access; and performance grants for fish production. Target: 4 crore fishermen and 7.5 lakh fish farmers. Part of PM Matsya Sampada Yojana ecosystem.
NPS Vatsalya 2026 — Pension for Children | National Pension System for Minors
NPS Vatsalya is a dedicated National Pension System account for minors, launched in September 2024. Parents or legal guardians open and manage the account on behalf of a child below 18 years. A minimum annual contribution of ₹1,000 is required with no upper limit. On reaching 18, the NPS Vatsalya account seamlessly converts into a standard NPS Tier-I account, giving the young adult a head start on long-term retirement savings. Partial withdrawals (up to 25% of contributions, maximum 3 times) are allowed for education, medical treatment, or disability before the minor turns 18.
Bima Sakhi Yojana 2026 — LIC Women Agent ₹7,000/Month Stipend | bima sakhi lic
Bima Sakhi Yojana is a Life Insurance Corporation (LIC) scheme launched by PM Modi in December 2024 to empower rural and semi-urban women as LIC insurance agents. Enrolled women receive a monthly stipend of ₹7,000 (Year 1), ₹6,000 (Year 2), and ₹5,000 (Year 3) in addition to commission income from policies sold. After the 3-year period, they continue as full LIC agents earning commissions. The scheme targets 2 lakh women over 3 years and provides IRDAI agent licensing and free training.
Unified Pension Scheme (UPS) 2025 — 50% Assured Pension for Central Govt Employees
The Unified Pension Scheme (UPS) is a central government pension reform approved by Cabinet in August 2024 and implemented from April 1, 2025. It offers central government employees currently under NPS (National Pension System) an assured pension of 50% of the average basic pay drawn over the last 12 months before superannuation, after completing 25 years of service. A minimum pension of ₹10,000/month is guaranteed for those with 10+ years of service. The family pension is 60% of the employee's pension amount. Pension is indexed to inflation through Dearness Allowance.
PM Vidya Lakshmi Scheme 2026 — Collateral-Free ₹10 Lakh Education Loan | pmvidyalakshmi.co.in
PM Vidya Lakshmi Scheme, approved by Cabinet in November 2024, provides collateral-free education loans of up to ₹10 lakh to meritorious students admitted to Quality Higher Education Institutions (QHEIs). Students from families with annual income up to ₹8 lakh get a 75% credit guarantee, removing the need for collateral or guarantor. For families with income up to ₹4.5 lakh, the government pays the full interest during the moratorium (study period + 1 year). Students can apply to up to 3 banks simultaneously through a single Common Education Loan Application Form (CELAF) at pmvidyalakshmi.co.in.
PM E-DRIVE Scheme 2026 — EV Subsidy ₹500–₹1.5 Lakh | Electric 2W 3W Bus Ambulance
PM Electric Drive Revolution in Innovative Vehicle Enhancement (PM E-DRIVE) replaced FAME-II from March 2024 with an outlay of Rs.10,900 crore till March 2026. It provides direct subsidies on purchase of electric 2-wheelers (up to Rs.10,000), electric 3-wheelers (up to Rs.50,000), electric buses (Rs.40 lakh+), e-ambulances, e-trucks, and electric public transport vehicles. Unlike FAME-II, PM E-DRIVE focuses on fleet electrification and public transport rather than personal vehicles. EV charging infrastructure rollout: 22,000+ public fast chargers funded.
Atal Bhujal Yojana 2026 — Community Groundwater Management | ₹6,000 Crore | 7 States
Atal Bhujal Yojana (Atal Jal) is a Rs.6,000 crore World Bank-supported groundwater management scheme covering 8,774 water-stressed gram panchayats across 7 states: Gujarat, Haryana, Karnataka, Madhya Pradesh, Maharashtra, Rajasthan, and Uttar Pradesh. The scheme promotes community-led groundwater management through Gram Panchayat Water Security Plans (WSPs), real-time monitoring, and performance-based incentives. Farmers are encouraged to adopt micro-irrigation, crop diversification, and water-use efficiency measures. 50% World Bank loan, 50% central government funding. 2021–2026 implementation.
PM VIDYA PRAVESH 2026 — 3-Month Play-Based School Readiness for Class 1 | Free Programme
PM VIDYA PRAVESH is a free 3-month school readiness module for children enrolling in Class 1 (age 6+), implemented under the National Education Policy (NEP) 2020. It bridges the gap between Anganwadi/ECCE and formal schooling. The programme uses play-based, activity-based learning covering foundational literacy (alphabets, rhymes) and numeracy (counting, shapes) without formal homework or examinations. Teachers are trained under NISHTHA FLN module. Implemented across all government and government-aided primary schools in India. Module materials available in all scheduled languages on DIKSHA platform.
One Nation One Subscription (ONOS) 2026 — Free Research Journal Access for 1.8 Crore Students | ₹6,000 Crore
One Nation One Subscription (ONOS) is a Government of India scheme approved in November 2024 with Rs.6,000 crore outlay to provide free access to 13,000+ international research journals and databases to over 6,300 government higher education institutions (universities, colleges, IITs, NITs, AIIMS) and 1.8 crore+ students, faculty, and researchers. Previously, institutions paid individually — ONOS centralises subscriptions via the government, saving institutions lakhs per year. Implemented by INFLIBNET Centre under Ministry of Education. Access via e-Shodh Sindhu portal (ess.inflibnet.ac.in).
AB-PMJAY Senior Citizens 70+ Free Health Cover 2026 — ₹5 Lakh Cashless | Vy Vandana Card
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) for Senior Citizens 70+ is a landmark October 2024 expansion of India's flagship health insurance scheme. Every Indian citizen aged 70 years and above gets ₹5 lakh per year cashless health cover at empanelled hospitals — REGARDLESS of income, BPL status, or pre-existing PMJAY enrollment. Families already covered under PMJAY get an additional ₹5 lakh top-up exclusively for senior members. The new Vy Vandana Card (Distinct Senior Card) is issued separately to 70+ citizens. Covers cardiac, cancer, kidney, joint replacement, neurosurgery, ICU, and 1,949+ procedures at 30,000+ hospitals nationwide.
Mission Indradhanush 5.0 (IMI 5.0) 2026 — Free Vaccination for 12 Diseases | Children & Pregnant Women
Intensified Mission Indradhanush 5.0 (IMI 5.0) is India's flagship universal immunization campaign launched in August 2023 under the National Health Mission. It targets 100% full immunization of pregnant women and children aged 0–5 years against 12 vaccine-preventable diseases: tuberculosis (BCG), polio (OPV/IPV), hepatitis B, diphtheria, pertussis, tetanus, Haemophilus influenzae type b, rotavirus, measles, rubella, pneumococcal disease, and Japanese encephalitis (in endemic districts). IMI 5.0 specifically addresses 'zero-dose' children and dropouts identified through digital data systems. The Mission Indradhanush series has so far covered 5.46 crore children and 1.32 crore pregnant women across all districts of India.
PM MITRA Mega Textile Parks 2026 — 7 Mega Parks | ₹4,445 Crore | Manufacturing Jobs for Lakhs
Pradhan Mantri Mega Integrated Textile Region and Apparel (PM MITRA) is a flagship scheme to develop 7 mega textile parks across India with a total outlay of ₹4,445 crore (2021–2028). The 7 parks are located in: Virudhunagar (Tamil Nadu), Warangal (Telangana), Navsari (Gujarat), Kalaburagi (Karnataka), Dhar (Madhya Pradesh), Lucknow (Uttar Pradesh), and Amravati (Maharashtra). Each park has world-class plug-and-play infrastructure for spinning, weaving, processing, dyeing, printing, and garment manufacturing in one location. PM MITRA aims to create 20 lakh direct and 70 lakh indirect jobs, attract Rs 70,000 crore in investment, and boost textile exports.
NMEO-Oilseeds 2026 — ₹10,103 Crore Edible Oils Self-Reliance Mission | Farmer Subsidy + Seeds
National Mission on Edible Oils – Oilseeds (NMEO-Oilseeds) is the central government's ₹10,103 crore mission approved in September 2024 to achieve self-reliance (Atmanirbhar) in edible oils. India currently imports 56% of its edible oils (over Rs 1.4 lakh crore worth annually). NMEO-Oilseeds targets boosting domestic oilseed production from 39 million tonnes (2022-23) to 69.7 million tonnes by 2030-31, increasing area under oilseeds by 40 lakh hectares. Key crops: groundnut, mustard, soybean, sunflower, sesame, niger, linseed, safflower, castor. Farmers get high-yield seeds, training, mechanization subsidy, and bonus on MSP. Implementation: 2024-25 to 2030-31.
Saubhagya & DDUGJY 2026 — Free Electricity Connection for All Rural Households | Pradhan Mantri Sahaj Bijli Yojana
Pradhan Mantri Sahaj Bijli Har Ghar Yojana (Saubhagya), launched September 2017, provided FREE electricity connections to over 2.86 crore un-electrified rural and economically backward urban households across India. Saubhagya effectively achieved universal household electrification — 99.99% of identified households were electrified by March 2019. Saubhagya works alongside Deen Dayal Upadhyaya Gram Jyoti Yojana (DDUGJY), which focuses on rural electrification infrastructure: feeder separation, sub-stations, transformers, and last-mile distribution. DDUGJY continues to upgrade rural power infrastructure. Combined outlay exceeds Rs 1.5 lakh crore.
ULLAS — Nav Bharat Saksharta Karyakram 2026 — Free Adult Literacy Programme for Non-Literates 15+
ULLAS (Understanding of Lifelong Learning for All in Society) — also called Nav Bharat Saksharta Karyakram or New India Literacy Programme (NILP) — is a Centrally Sponsored Scheme launched in February 2022 to make 5 crore adult non-literates (age 15+) functionally literate by 2027. The scheme has five components: (1) Foundational Literacy and Numeracy; (2) Critical Life Skills (financial, digital, legal, electoral); (3) Vocational Skills; (4) Basic Education (Class 3–8 equivalency); and (5) Continuing Education. ULLAS leverages volunteers (teachers, students, NGOs, retirees) and the DIKSHA + ULLAS App for self-paced digital learning in 22 Indian languages. Annual Foundational Literacy Assessment Test (FLNAT) certifies learners.
PM PRANAM Scheme 2026 — Reduce Chemical Fertilizer + Promote Bio-Fertilizers | State Incentive Programme
PM PRANAM (Pradhan Mantri PRogramme for Restoration, Awareness, Nourishment and Amelioration of Mother Earth) is a Cabinet-approved (June 2023) state-incentive scheme to reduce chemical fertilizer use and promote bio-fertilizers, organic fertilizers, and natural farming. PM PRANAM has NO separate budget — it works by giving 50% of the SAVINGS in fertilizer subsidy back to states as a grant, when those states successfully reduce their urea/DAP/MOP consumption. Of this 50%, states must use 70% for fertilizer-related infrastructure (storage, bio-fertilizer units, soil testing labs) and 30% as direct rewards to farmers, FPOs, panchayats, and SHGs adopting alternate fertilizers. This rewards states for sustainable agriculture without burdening the central exchequer.
PM-USHA Higher Education Scheme 2026 — ₹12,926 Crore | Quality Higher Education Across States
Pradhan Mantri Uchchatar Shiksha Abhiyan (PM-USHA) is the restructured higher education scheme approved in 2023 with Rs 12,926 crore outlay for 5 years. PM-USHA replaces the earlier RUSA (Rashtriya Uchchatar Shiksha Abhiyan) with stronger NEP 2020 alignment. It funds state and central universities, colleges, multi-disciplinary education and research universities (MERUs), and cluster universities. Key components: (1) Strengthening existing universities; (2) New model degree colleges in underserved districts; (3) Grants to gender-inclusive and accessible institutions; (4) Multi-disciplinary curriculum reform; (5) Equity initiatives for SC/ST/OBC/women/PwD. Implemented through Project Approval Boards (PABs) at central and state levels.
Rural Prosperity & Resilience Programme 2026 — Budget 2025 Flagship | Address Rural Underemployment
The Rural Prosperity and Resilience Programme is a major Budget 2025 (February 2025) initiative to address rural underemployment in agriculture through skilling, entrepreneurship, agri-investment, and rural infrastructure. The programme has a multi-sectoral approach focused on: (1) Skilling for young rural workers, women, and small/marginal farmers; (2) Entrepreneurship development for rural startups and FPOs; (3) Investment in agri-value chains, food processing, and rural infrastructure; (4) Rural-urban migration pause through local livelihood creation. Phase 1 focuses on 100 priority districts identified for high under-employment. Implemented in convergence with PMKVY, DAY-NRLM, PMEGP, and Make-in-India.
PM-DevINE 2026 — ₹6,600 Crore Northeast Region Development | 100% Central Funding for NE States
Pradhan Mantri Development Initiative for Northeast Region (PM-DevINE) is a 100% central-funded scheme approved in October 2022 with Rs 6,600 crore outlay for 2022-23 to 2025-26. Implemented by the Ministry of Development of Northeast Region (DoNER), PM-DevINE supports infrastructure, social development, and livelihood projects across the 8 Northeast states: Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Sikkim, and Tripura. Key focus: (1) Infrastructure (roads, telecom, power); (2) Social development (healthcare, education); (3) Livelihood support; (4) NE-specific needs (PM-DevINE complements MDoNER's other schemes like NEC). Projects are sanctioned with a 4-year completion timeline, and 70% must show on-the-ground progress before next-phase release.
Mission Karmayogi 2026 — National Programme for Civil Services Capacity Building | iGOT Karmayogi Platform
Mission Karmayogi — formally the National Programme for Civil Services Capacity Building (NPCSCB) — was approved by the Cabinet in September 2020 to comprehensively reform Indian civil services training and capacity building. The mission targets all 4.6+ million central government employees with role-based, competency-driven, citizen-centric capacity building. The iGOT Karmayogi (Integrated Government Online Training) digital platform offers thousands of online courses for civil servants. Five core principles: (1) Rule-based to Role-based; (2) Behavioural + Functional + Domain competencies; (3) Anytime-anywhere learning; (4) On-demand training; (5) Vocation-based individualised pathway. The Karmayogi Bharat SPV (Special Purpose Vehicle) operates the platform. The Capacity Building Commission (CBC) provides strategic oversight.
BharatNet 2026 — ₹1.39 Lakh Crore Rural Broadband for 2.65 Lakh Gram Panchayats | High-Speed Internet
BharatNet is India's flagship rural broadband connectivity programme to provide high-speed internet to all 2.65 lakh Gram Panchayats (GPs) across India. Originally launched as NOFN (National Optical Fibre Network) in 2011, renamed BharatNet in 2015, and revamped in August 2023 with a Cabinet approval of Rs 1.39 lakh crore for last-mile connectivity. BharatNet enables: e-governance, telemedicine, online education, agri-extension, and digital banking in villages. The revamped scheme uses a 'BharatNet 2.0' design — connecting all 2.65 lakh GPs by 2025-26 and providing fibre-to-the-home (FTTH) connections to 1.5 crore rural households. Implemented by Bharat Broadband Network Ltd (BBNL).
Aspirational Districts Programme 2026 — 112 Districts Transformation | Niti Aayog Flagship
Aspirational Districts Programme (ADP), launched January 2018 by NITI Aayog, focuses on transformation of 112 most underdeveloped districts across 28 states identified through composite indicators. ADP works on 5 themes (49 KPIs): Health & Nutrition (38%), Education (26%), Agriculture & Water Resources (20%), Financial Inclusion & Skill Development (10%), Basic Infrastructure (6%). District rankings (Delta and overall) are published monthly through the Champions of Change Dashboard, creating healthy competition. ADP has been extended as the Aspirational Blocks Programme (ABP) in 2023 to cover 500 additional underdeveloped blocks. Funds are convergence-based (existing schemes); the programme provides strategic direction, monitoring, and best-practice sharing.
Skill India Digital Hub 2026 — Free Online Skilling Platform | Education + Employment Aggregator
Skill India Digital Hub (SIDH) is a comprehensive digital platform launched in September 2023 by the Ministry of Skill Development & Entrepreneurship (MSDE). SIDH aggregates skill development, education, employment, and entrepreneurship opportunities in one place. Users can: (1) Access 7,500+ free courses across PMKVY, NCS, and partner platforms; (2) Get personalised skill recommendations using AI; (3) Find job and apprenticeship opportunities via NCS integration; (4) Receive digital skill certificates (NCVET-verified); (5) Apply for entrepreneurship and self-employment loans. SIDH is the ONE-STOP SHOP for skill seekers, integrating PMKVY, NAPS, NATS, NCS, DDU-GKY, eKaushal, ASEEM, and other government skill initiatives.
Khelo India Scheme 2026 — ₹5 Lakh/Year Athlete Scholarship | Khelo India Youth Games | KIRTI Talent Search
Khelo India is the Government of India's flagship sports development scheme launched in 2018 to revive sports culture, identify talent, and create world-class sports infrastructure. Components: (1) Khelo India Youth Games (KIYG) — annual multi-sport competition for under-17 and under-21 athletes; (2) Khelo India University Games (KIUG) — for university students; (3) Khelo India Talent Identification — top athletes get ₹6.28 lakh/year scholarship (₹120,000 stipend + boarding/lodging + training + competition exposure) for 8 years through Khelo India Athlete (KIA) status; (4) KIRTI (Khelo India Rising Talent Identification) — talent hunt scheme for under-14 to under-17 with 1 lakh+ athletes assessed annually; (5) Khelo India Centres — 1,000+ sports centres across districts.
Apna CSC 2026 — Common Service Centres | 5 Lakh+ Digital Service Outlets | VLE Registration
Common Service Centres (CSC) is one of India's largest digital service delivery networks, operated by the CSC e-Governance Services India Limited under the Ministry of Electronics and Information Technology (MeitY). With over 5 lakh CSCs across rural and urban India, the scheme delivers 400+ government and private digital services at the village level — Aadhaar enrollment, PAN card, passport, banking, insurance, telemedicine, education, e-courts, FASTag, and more. Village Level Entrepreneurs (VLEs) operate CSCs and earn commission on every transaction. CSC reach: 2.5+ lakh Gram Panchayats covered. Apna CSC mobile app and apnacsc.in allows VLE registration, service catalog access, and earnings tracking.
Nutrient Based Subsidy (NBS) Scheme 2026 — DAP/MOP/Complex Fertilizer Subsidy for Farmers
Nutrient Based Subsidy (NBS) is the central government scheme that provides subsidy on Phosphatic and Potassic (P&K) fertilizers — DAP, MOP, complex fertilizers (NPK), and 23+ other nutrient-based fertilizers (except urea which is under a separate subsidy regime). NBS subsidy is fixed PER NUTRIENT (N, P, K, S) on an annual basis by the Cabinet Committee on Economic Affairs. Fertilizer companies sell at MRP fixed by the government and claim NBS subsidy from the centre. This scheme keeps fertilizers affordable for farmers — India's total fertilizer subsidy bill is Rs 1.8+ lakh crore/year (urea + NBS combined). NBS is run by the Department of Fertilizers, Ministry of Chemicals and Fertilizers.
PM-CARES Fund 2026 — Prime Minister's Citizen Assistance & Relief in Emergency Situations | pmcares.gov.in
PM-CARES Fund (Prime Minister's Citizen Assistance and Relief in Emergency Situations) is a public charitable trust established on 27 March 2020 to receive donations for disaster relief, public health emergencies, and welfare measures. It is governed by a Board of Trustees chaired by the Prime Minister, with the Defence, Home, and Finance Ministers as ex-officio trustees. Donations qualify for 100% tax deduction under Section 80G of the Income Tax Act and are exempt from FCRA restrictions for foreign donations. PM-CARES has funded COVID-19 ventilators, oxygen plants, vaccine R&D, migrant relief, and education (PM-CARES for Children — separate scheme). Donations via pmcares.gov.in, online banking, UPI, debit/credit cards, NEFT/RTGS.
PMMSY RAS & Biofloc Fish Farming 2026 — 40-60% Subsidy on High-Density Fish Production | Aquaculture Scheme
Under Pradhan Mantri Matsya Sampada Yojana (PMMSY), the RAS (Recirculating Aquaculture System) and Biofloc Fish Farming components provide 40% subsidy to general category and 60% subsidy to women/SC/ST/Northeast farmers on setting up high-density indoor fish farms. RAS is a sophisticated indoor fish farming technology where water is filtered and recirculated, allowing year-round production with minimal water use. Biofloc is a low-cost variant where microbial biomass in the tank itself filters waste. PMMSY subsidy: Up to Rs 25 lakh per RAS unit (12 tanks) and Rs 4 lakh per medium biofloc unit (7 tanks). Boosts inland fish production, reduces water/land requirement, and provides high returns (Rs 5–8 lakh annually per unit).
PM Shram Yogi Maandhan (PM-SYM) 2026 — ₹3,000/Month Pension for Unorganised Workers | maandhan.in
Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) is the flagship pension scheme for India's unorganised sector workers — street vendors, rickshaw pullers, domestic workers, construction labourers, agriculture labourers, hawkers, and home-based workers. Launched February 2019. Workers aged 18-40 with monthly income ≤ ₹15,000 contribute ₹55-₹200/month (based on entry age) and the Government of India matches the contribution on 1:1 basis. After age 60, beneficiaries receive a guaranteed monthly pension of ₹3,000 for life. 50+ lakh subscribers enrolled. Enroll at maandhan.in or any CSC.
PM Bhartiya Janaushadhi Pariyojana (PMBJP) 2026 — Cheap Generic Medicines at 14,000+ Jan Aushadhi Kendras | janaushadhi.gov.in
Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP) makes quality generic medicines available at 50-90% cheaper prices than branded equivalents through Jan Aushadhi Kendras (JAKs). Run by Pharmaceuticals & Medical Devices Bureau of India (PMBI). Over 14,000 Kendras across all districts; sells 2,047+ medicines and 300+ surgical items. The Janaushadhi Suvidha Oxo-Biodegradable Sanitary Napkin is available at just ₹1/pad. Launched 2008 (rebranded 2015). PMBJP saves Indians ₹30,000+ crore annually in healthcare costs.
One Rank One Pension (OROP) 2026 — Defence Pensioners Equal Pension by Rank | Latest OROP-3 Revision
One Rank One Pension (OROP) is the landmark Government of India scheme ensuring that defence personnel of the SAME RANK retiring with SAME LENGTH OF SERVICE get the SAME PENSION, regardless of retirement date. Approved November 2015 (effective from 1 July 2014). Periodically revised every 5 years. OROP-2 revision (Jan 2022) covered pensions till 1 July 2019. The Defence Ministry has approved further revision (OROP-3) effective from 1 July 2024, benefiting over 25 lakh ex-servicemen, war widows, and disabled soldiers. Pension arrears for OROP-3 are being disbursed through the SPARSH (System for Pension Administration RAKSHA) portal.
Atmanirbhar Bharat Rojgar Yojana (ABRY) 2026 — EPF Contribution Support for New Employees | Establishment Scheme
Atmanirbhar Bharat Rojgar Yojana (ABRY) is a flagship employment generation scheme launched October 2020 to incentivise hiring of new employees post-COVID. The Government of India pays employer + employee EPF contributions (24% of wages) for 2 years for new employees earning up to ₹15,000/month, hired by establishments registered with EPFO. ABRY-1 ended March 2022; ABRY-2 extended till March 2024 covering 60+ lakh new employees. ABRY-3 (relaunched 2024) is currently active for new establishments. Implemented by Employees' Provident Fund Organisation (EPFO).
AMRUT Mission 2.0 (2021-2026) — ₹2.99 Lakh Crore Urban Water & Sewerage in 500 Cities
Atal Mission for Rejuvenation and Urban Transformation (AMRUT) 2.0 is a centrally-sponsored scheme to provide universal access to functional water taps and 100% sewerage management in 500 cities across India. Launched October 2021 (succeeds AMRUT 1.0 from 2015) with total outlay of ₹2,99,000 crore for 2021-2026. Targets: 2.68 crore new water tap connections + 2.64 crore new sewer/septage connections. Also covers rejuvenation of urban water bodies, green spaces, and digital governance. Implemented by Ministry of Housing & Urban Affairs (MoHUA).
PMGDISHA 2026 — Free Digital Literacy Training for 6 Crore Rural Indians | pmgdisha.in
Pradhan Mantri Gramin Digital Saksharta Abhiyan (PMGDISHA) is the largest digital literacy programme in the world — training 6 crore adults in 40% of rural households to be digitally literate. Free 20-hour training on smartphone use, internet, email, digital payments, government services, and online banking. After training, learners take a NIELIT exam — those who pass get a Digital Literacy certificate. Implemented through 5+ lakh Common Service Centres (CSCs). 6.39 crore registered, 5.93 crore trained, 4.62 crore certified as of 2024.
Operation Greens (TOP) 2026 — 50% Subsidy on Tomato, Onion, Potato Storage & Transport | Farmer Scheme
Operation Greens (TOP — Tomato, Onion, Potato) is a Government of India scheme launched November 2018 to stabilise prices of perishable vegetables and protect farmers from distress sales. Two main components: (1) Price stabilisation of TOP crops with Government intervention during oversupply/scarcity; (2) 50% subsidy on transportation and storage costs to FPOs, cooperatives, processors, exporters. Extended to all fruits & vegetables (TOP to TOTAL) in 2020-21. Implemented by Ministry of Food Processing Industries (MoFPI). Outlay: ₹500 crore.
PM-AASHA 2026 — Annadata Aay Sanrakshan Abhiyan | MSP Procurement for Farmers | agricoop.nic.in
Pradhan Mantri Annadata Aay Sanrakshan Abhiyan (PM-AASHA) is the central scheme to ensure farmers get the Minimum Support Price (MSP) for their pulses, oilseeds, and copra. Approved September 2018. Three components: (1) PSS (Price Support Scheme) — direct MSP procurement by central agencies; (2) PDPS (Price Deficiency Payment Scheme) — DBT for price gap; (3) PPSS (Private Procurement & Stockist Scheme) — pilot with private players. Implementation by NAFED, FCI, SFAC. Covers 23+ crops at notified MSP. Continued and enhanced for 2024-26 cycle with ₹35,000 crore outlay.
PM Scholarship Scheme (PMSS-CAPF) 2026 — ₹3,000/Month for Defence & CAPF Dependents | scholarships.gov.in
Prime Minister's Scholarship Scheme (PMSS) — administered by the Welfare and Rehabilitation Board (Defence Ministry) and Ministry of Home Affairs (CAPFs) — provides ₹3,000/month (boys) and ₹3,250/month (girls) to wards/widows of ex-Defence personnel (Army/Navy/Air Force/Coast Guard) and Central Armed Police Forces (CAPF — BSF, CRPF, ITBP, CISF, SSB, Assam Rifles) for professional courses (engineering, medical, MBA, dental, veterinary, computer applications). 5,500 scholarships annually for Defence, 2,000 for CAPF.
Post-Matric Scholarship for SC Students 2026 — Full Tuition + ₹13,500 Maintenance | scholarships.gov.in
Centrally Sponsored Post-Matric Scholarship for Scheduled Caste (PMS-SC) is the largest scholarship scheme in India by coverage — benefiting 60+ lakh SC students annually for studies after Class 10 (Class 11/12, ITI, diploma, graduation, post-graduation, PhD). Covers full tuition fees (including hostel charges in some categories), maintenance allowance (₹230-₹1,200/month based on group), book allowance, study tour allowance, and disability allowance for PwD students. Annual outlay: ₹6,000+ crore. Implemented through National Scholarship Portal (NSP).
Pre-Matric Scholarship for SC/ST Students 2026 — ₹350-₹1,000/Month for Class 1-10 | scholarships.gov.in
Pre-Matric Scholarship for SC and ST students is the centrally-sponsored scheme for Class 1-10 students from Scheduled Caste and Scheduled Tribe communities. Provides maintenance allowance, book allowance, and additional allowances for SC/ST students whose families earn ≤ ₹2.5 lakh/year. Two separate schemes: Pre-Matric for SC (administered by Ministry of Social Justice & Empowerment) and Pre-Matric for ST (administered by Ministry of Tribal Affairs). Covers Class 1-10 — different rates for day scholars vs hostellers. Over 50 lakh SC + 30 lakh ST students benefit annually. Implemented through NSP.
PMKKKY 2026 — Pradhan Mantri Khanij Kshetra Kalyan Yojana | Mining Area Welfare via DMF
Pradhan Mantri Khanij Kshetra Kalyan Yojana (PMKKKY) is the central guideline that mandates use of District Mineral Foundation (DMF) funds — collected as additional contributions from mining lease holders — for welfare of mining-affected communities. Launched September 2015. Mining companies contribute 10-30% of royalty to DMF. PMKKKY provides framework: 60% of DMF funds for HIGH PRIORITY (drinking water, environment, education, healthcare, women & child welfare, skill development, sanitation) and 40% for OTHER priority (infrastructure, livelihood, energy). Implemented in 600+ mining-affected districts. Total DMF corpus crossed ₹75,000 crore.
Bharatmala Pariyojana 2026 — ₹10.63 Lakh Crore National Highway Development | 34,800 KM Highways
Bharatmala Pariyojana is India's largest highway infrastructure programme — approved October 2017 with outlay of ₹10.63 lakh crore. Aims to construct 34,800 km of national highways under: Economic Corridors (9,000 km), Inter-Corridor + Feeder Routes (6,000 km), National Corridor Efficiency Improvement (5,000 km), Border + International Connectivity (2,000 km), Coastal + Port Connectivity (2,000 km), Expressways (800 km), Balance NHDP (10,000 km). 25,000+ km already constructed as of 2024-25. Implemented by NHAI under Ministry of Road Transport & Highways.
Sagarmala Programme 2026 — ₹6 Lakh Crore Port-Led Development | 802 Projects | sagarmala.gov.in
Sagarmala Programme is the Government of India's flagship initiative for port-led development — leveraging India's 7,500 km coastline for economic growth. Launched March 2015 with 802 projects worth ₹6 lakh crore for 2015-2035. Four pillars: (1) Port Modernisation & New Ports; (2) Port Connectivity Enhancement; (3) Port-led Industrialisation (Coastal Economic Zones); (4) Coastal Community Development (fishermen welfare, skill development). Implemented by Ministry of Ports, Shipping and Waterways. 240+ projects completed; 350+ under implementation.
Make in India 2026 — Manufacturing Investment Push | PLI Schemes for 14 Sectors | makeinindia.com
Make in India is the Government of India's flagship initiative launched 25 September 2014 to transform India into a global manufacturing hub. Focuses on 25 sectors including: automobiles, aerospace, biotechnology, chemicals, defence, electronics, food processing, IT/BPM, leather, pharmaceuticals, ports, railways, renewable energy, roads, space, textiles, tourism, wellness. Augmented by Production Linked Incentive (PLI) Schemes for 14 sectors with ₹1.97 lakh crore outlay (2021-2027) — providing 4-6% incentive on incremental production to companies meeting investment + production thresholds.
HRIDAY 2026 — Heritage City Development & Augmentation Yojana | 12 Heritage Cities
Heritage City Development and Augmentation Yojana (HRIDAY) is the Government of India scheme to preserve and revitalise the unique heritage character of 12 historic cities while ensuring inclusive urban development. Launched January 2015 with ₹500 crore outlay. 12 heritage cities: Ajmer, Amaravati, Amritsar, Badami, Dwarka, Gaya, Kanchipuram, Mathura, Puri, Varanasi, Velankanni, Warangal. Focus: heritage conservation, urban infrastructure (roads, sanitation, lighting), tourism infrastructure, livelihood for heritage artisans. Implemented by Ministry of Housing & Urban Affairs (MoHUA).
PRASAD Scheme 2026 — Pilgrimage Rejuvenation in 41 Destinations | tourism.gov.in
PRASAD (Pilgrimage Rejuvenation and Spiritual, Heritage Augmentation Drive) is the Ministry of Tourism scheme to develop pilgrimage and spiritual heritage destinations holistically. Launched 2015. Focuses on 41 sites across 25 states/UTs in 1st phase. Funds infrastructure: pilgrim facilities (parking, toilets, food, accommodation, drinking water), connectivity (roads, signage), pilgrim safety (CCTV, emergency response), digital tourism services. Renamed to PRASHAD (Pilgrimage Rejuvenation and Spiritual, Heritage Augmentation Drive) in 2017. Total outlay: ₹4,000+ crore. Now subsumed under Swadesh Darshan 2.0.
Swadesh Darshan 2.0 (2022-2026) — 76 Theme-Based Tourism Circuits | tourism.gov.in
Swadesh Darshan is the Ministry of Tourism's flagship scheme for theme-based tourism circuit development. Launched 2014 with 15 theme circuits (Buddhist, Coastal, Desert, Eco, Heritage, Himalayan, Krishna, Northeast, Ramayana, Spiritual, Sufi, Tribal, Tirthankar, Wildlife, Rural). Revamped as Swadesh Darshan 2.0 in 2022 with destination-centric (not just circuit-centric) approach. 76 destinations identified across 31 states/UTs. ₹5,000+ crore outlay since 2014. Phase 2 focuses on sustainable, inclusive, responsible tourism with technology integration.
NPS-Lite Swavalamban 2026 — Pension Scheme for Unorganised Workers | npscra.nsdl.co.in
NPS-Lite (Swavalamban) is the simplified National Pension System for unorganised sector workers and low-income groups. Launched 2010. Subscribers contribute ₹100 to ₹12,000 annually. The Government of India contributed ₹1,000 annually to each subscriber's pension account from 2010-2017 (now closed for new subscriptions but existing subscribers continue). NPS-Lite has been gradually superseded by Atal Pension Yojana (APY) and PM-SYM. Existing NPS-Lite subscribers can: (a) continue NPS-Lite, (b) migrate to APY/PM-SYM. Operated by PFRDA through aggregators.
PRABUDDHA Scheme 2026 — Overseas Education Funding for Marginalised Students | scholarships.gov.in
PRABUDDHA Scheme is the Government of Karnataka's initiative — emulated by other states — providing financial assistance to meritorious students from Scheduled Castes (SC), Scheduled Tribes (ST), and Backward Communities to pursue higher studies in top global universities. Up to ₹50 lakh per student covering tuition + living + travel. Top 200 universities (QS Rankings) eligible. Originally Karnataka state scheme but now central counterpart National Overseas Scholarship Scheme covers similar mandate for SC/ST nationally. Combined coverage benefits over 100 marginalised students per year for Masters/PhD abroad.
PM-KUSUM Solar Pump Scheme 2026 — 60% Subsidy on Solar Pumps for Farmers | pmkusum.mnre.gov.in
PM-KUSUM (Pradhan Mantri Kisan Urja Suraksha evam Utthaan Mahabhiyan) is a central government scheme under the Ministry of New and Renewable Energy (MNRE) that gives farmers up to 60% central + state subsidy on solar-powered irrigation pumps (2HP to 10HP). Launched in 2019, the scheme has three components: Component A — 10,000 MW of decentralised solar plants on barren/cultivable land; Component B — standalone solar-powered agriculture pumps (target: 20 lakh pumps); Component C — solarisation of grid-connected agriculture pumps (target: 15 lakh pumps). Farmers pay only 10% of the cost; 30% central subsidy + 30% state subsidy + 30% CFA from MNRE. States like Maharashtra (Mukhyamantri Saur Krishi Pump), Rajasthan, UP, MP have active portals. Budget: ₹34,422 crore. Total target: 30.8 lakh solar pumps by 2026.
Janani Suraksha Yojana (JSY) 2026 — ₹600 to ₹1,400 Cash to Pregnant Women for Hospital Delivery | nhm.gov.in
Janani Suraksha Yojana (JSY) is a safe motherhood intervention under the National Health Mission (NHM), launched in 2005 by the Ministry of Health and Family Welfare. It promotes institutional delivery among pregnant women belonging to BPL/SC/ST families and reduces maternal and infant mortality. Cash incentive of ₹1,400 is given to women delivering in rural areas of Low Performing States (LPS: UP, UK, Bihar, Jharkhand, MP, Chhattisgarh, Assam, Odisha, Rajasthan, J&K) and ₹600 in High Performing States (HPS) for rural deliveries. Urban area deliveries get ₹1,000 in LPS and ₹400 in HPS. ASHA workers get ₹600 (LPS rural) or ₹200-400 per case. Over 1 crore beneficiaries annually. Cash paid directly to the mother at the time of delivery or just after discharge.
PM Research Fellowship (PMRF) 2026 — ₹70,000/Month + ₹2L Research Grant for IIT/IISc PhD | pmrf.in
PM Research Fellowship (PMRF) is a prestigious scholarship scheme launched in 2018 by the Ministry of Education to attract the best Bachelor's/Master's students into PhD programmes at IITs, IISc, IISERs, NITs, and other premier research institutions. Fellowship amount: ₹70,000/month for all 5 years (revised from the earlier ₹31,000-70,000 slab structure). Research grant of ₹2 lakh per year for first 2 years, ₹2 lakh for 3rd year, ₹2 lakh for 4th and 5th year — total ₹10 lakh over 5 years. Selection is through direct admission or lateral entry from premier IITs/IISc/IISERs. Three channels: (1) Direct Admission from 4-year BS/B.Tech final year at premier institutes; (2) Lateral Entry from 2nd year of ongoing PhD; (3) Supernumerary seats for other students through national test. Target: 3,000 new fellows per year across Science, Technology, Engineering, and Mathematics (STEM). Currently 4,000+ active PMRF fellows.
Eklavya Model Residential Schools (EMRS) 2026 — Free Residential School for Tribal Children | tribal.nic.in
Eklavya Model Residential Schools (EMRS) is a flagship scheme of the Ministry of Tribal Affairs providing FREE quality residential education to Scheduled Tribe (ST) children from Class 6 to Class 12. Launched in 1997, EMRS schools are fully residential — providing free boarding, lodging, tuition, uniform, books, stationery, and medical care. The scheme aims to establish one EMRS in every block with ST population above 50% and at least 20,000 tribal population, by 2022 (extended to 2026). Currently over 688 EMRS schools are functional across 27 states/UTs, benefiting over 1.5 lakh students. Each EMRS school has capacity for 480 students. Budget enhanced to ₹38,000 crore for 2018-2022. Schools follow CBSE curriculum and have modern facilities including science labs, libraries, computer rooms, and sports facilities. Tribal students also get JEE/NEET coaching at EMRS. National Admission Test (EMRS-NAT) conducted for admission.
One Stop Centre (OSC) Sakhi 2026 — Free Support for Women in Distress | wcdhry.gov.in
One Stop Centre (OSC) Sakhi is a centrally-sponsored scheme under the Ministry of Women and Child Development that provides integrated support and assistance to women affected by violence — domestic violence, sexual assault, acid attacks, trafficking, honour crimes, and more. OSCs (called 'Sakhi' centres) provide under one roof: emergency response, medical assistance, legal aid, psychological counselling, temporary shelter (up to 5 days), and police facilitation. There are 800+ OSCs operational across all districts of India. Helpline: 181 (free 24x7). Women can also call 112 (police emergency). OSCs are co-located with hospitals for easy access. Services are completely FREE. The scheme covers all women — regardless of religion, caste, age, or marital status. NRI women in distress also covered. Budget: ₹750 crore from Nirbhaya Fund. Services available 24x7.
SMAM — Sub-Mission on Agricultural Mechanization 2026 — 40-80% Subsidy on Tractors & Farm Machinery | agrimachinery.nic.in
Sub-Mission on Agricultural Mechanization (SMAM) is a central government scheme under the Ministry of Agriculture and Farmers Welfare that provides 40% to 80% subsidy on agricultural machinery and equipment to farmers — including tractors, power tillers, rotavators, seed drills, threshers, harvesters, sprayers, drones, and more. SC/ST, women, and small/marginal farmers get higher subsidy (50-80%). General farmers get 40-50% subsidy. Maximum subsidy amount varies by machine type and state. The scheme also supports Custom Hiring Centres (CHC) — farmers can start a CHC (farm machinery rental service) with 40% subsidy up to ₹10 lakh per CHC. Farm Machinery Bank (FMB) scheme provides ₹10 lakh per group for SHG/FPO. State-level portals process applications. Application through agrimachinery.nic.in or state agriculture portal. Budget: ₹3,250 crore (2021-26). Target: 5 lakh CHC + 50,000 FMB.
National Career Service (NCS) Portal 2026 — Free Job Registration, Skill Training & Career Guidance | ncs.gov.in
National Career Service (NCS) Portal (ncs.gov.in) is India's largest online employment exchange and career development platform, launched in 2015 by the Ministry of Labour and Employment. It connects job seekers with employers, provides career counselling, skill development courses, apprenticeship opportunities, and internships — all FREE of cost. Over 1.4 crore registered job seekers, 2 lakh+ employers, and 20 lakh+ job vacancies listed. NCS also integrates with state employment exchanges, making registration valid across all states. Key features: Universal Account Number (UAN) for portability, Model Career Centres in districts, career counselling by trained counsellors, and skill gap assessment. Special focus on youth (18-35 years), women, PwD, and ex-servicemen. NCS Job Fair (Rozgar Mela) organised regularly. Integration with PM Internship Scheme 2026.
Janani Shishu Suraksha Karyakaram (JSSK) 2026 — FREE Delivery, Medicines & Transport for Pregnant Women | nhm.gov.in
Janani Shishu Suraksha Karyakaram (JSSK) is a central government initiative under the National Health Mission (NHM) that entitles ALL pregnant women delivering in government health facilities to absolutely FREE and cashless services — including C-section delivery, medicines, diagnostics (blood tests, ultrasound), diet, blood transfusion, and free transport (drop home after discharge). Launched on 1 June 2011, JSSK eliminates out-of-pocket expenses for pregnant women and sick newborns (0-30 days) at all government hospitals — district hospitals, CHCs, PHCs, and sub-centres. Key entitlements: (1) Free normal/C-section delivery; (2) Free medicines and implants; (3) Free diagnostics; (4) Free diet during hospital stay (3 days normal, 7 days C-section); (5) Free blood; (6) Free transport from home to facility and back; (7) Free treatment for sick newborn up to 30 days. Over 1.5 crore beneficiaries annually.
CGTMSE Credit Guarantee Scheme 2026 — ₹5 Crore Collateral-Free MSME Loan Guarantee | cgtmse.in
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is the backbone of collateral-free lending to MSMEs in India. It guarantees loans up to ₹5 crore from member banks and financial institutions to micro and small enterprises — without any collateral or third-party guarantee. CGTMSE covers 75-85% of the loan amount (up to 85% for micro enterprises, women entrepreneurs, NER/hilly states). The trust was set up jointly by the Ministry of MSME and SIDBI in 2000. Annual guarantee fee: 0.25-2.0% of the loan amount (subsidised for micro/women). Over 60 lakh guarantees issued worth ₹5 lakh crore+. Member Lending Institutions (MLIs): 130+ banks/NBFCs including PSBs, private banks, RRBs, SFBs, NBFCs. The borrower applies through the bank; the bank applies to CGTMSE for guarantee. New: CGTMSE 2.0 with enhanced limits.
AICTE Saksham Scholarship 2026 — ₹50,000/Year for PwD Engineering Students | aicte-india.org
AICTE Saksham (Scholarship for Aiding the Careers of Students with Specially-Abled Merits) is a scholarship scheme by the All India Council for Technical Education (AICTE) that provides ₹50,000 per year to Persons with Disability (PwD) pursuing undergraduate technical/engineering degree programmes at AICTE-approved institutions. The scholarship covers B.Tech, B.E., B.Arch, B.Pharma, HMCT, and other 4-year technical programmes. Eligibility: disability of 40% or more, family income ≤ ₹8 lakh per annum, admission to 1st year of AICTE-approved institution. Up to 1,000 scholarships awarded per year on merit. Application through National Scholarship Portal (scholarships.gov.in). Fresh and renewal applications accepted. Scholarship paid directly to student bank account.
Indira Gandhi National Widow Pension Scheme (IGNWPS) 2026 — ₹300-2,000/Month Widow Pension | nsap.nic.in
Indira Gandhi National Widow Pension Scheme (IGNWPS) is a sub-scheme under the National Social Assistance Programme (NSAP), providing monthly pension to widows from BPL households. Central government contribution: ₹300/month (age 40-79) and ₹500/month (age 80+). Most states top up to ₹500-2,000/month from their own budget. Total beneficiaries: over 1.5 crore widows across India. Age eligibility: 40-79 years (widows below 40 are covered under state widow pension schemes). For widows aged 80+, the pension automatically merges with IGNOAPS (old age pension) at ₹500/month central contribution. States like UP (₹500/month), Rajasthan (₹750-1500/month), MP (₹600/month), WB (₹1,000/month) provide enhanced amounts. Pension paid via DBT directly to bank/post office account. Application through Gram Panchayat/Block Office or online on NSAP portal (nsap.nic.in) or state pension portal.
Indira Gandhi National Disability Pension Scheme (IGNDPS) 2026 — ₹300-1,500/Month for Severely Disabled | nsap.nic.in
Indira Gandhi National Disability Pension Scheme (IGNDPS) is a sub-scheme of NSAP providing monthly pension to persons with severe or multiple disabilities (80%+ disability) from BPL households aged 18-79 years. Central government contribution: ₹300/month. States add their own contribution ranging from ₹200 to ₹1,200 more, making total pension ₹500-1,500/month depending on state. For disabled persons aged 80+, pension converts to IGNOAPS at ₹500/month central. Beneficiaries: over 15 lakh disabled persons. Covers all disability types: locomotor, visual, hearing, mental, multiple. Disability certificate of 80%+ from District Medical Board required. States like Maharashtra (₹600), MP (₹600), UP (₹500), Rajasthan (₹750-1,500) provide enhanced amounts. DBT to bank/PO account.
Maulana Azad National Fellowship (MANF) 2026 — ₹37,000/Month for Minority PhD Students | minorityaffairs.gov.in
Maulana Azad National Fellowship (MANF) is a central government fellowship scheme for students belonging to notified minority communities (Muslim, Christian, Buddhist, Sikh, Parsi, Jain) pursuing M.Phil and PhD at recognised universities in India. Fellowship amount: ₹37,000/month for JRF (first 2 years) and ₹42,000/month for SRF (next 3 years), plus contingency allowance ₹10,000/year (Humanities/Social Sciences) and ₹12,000/year (Sciences). HRA as per university norms. Duration: up to 5 years total (2 years JRF + 3 years SRF). 756 new fellowships per year. Selection through NET-JRF score (UGC-NET or CSIR-NET). Implemented by University Grants Commission (UGC) on behalf of Ministry of Minority Affairs. Application on NSP/scholarship portal. Note: As per 2023 Supreme Court ruling and government review — verify current status before applying as scheme has had regulatory changes.
PM Swasthya Suraksha Yojana (PMSSY) 2026 — 22 New AIIMS + Super Specialty Hospitals | mohfw.gov.in
Pradhan Mantri Swasthya Suraksha Yojana (PMSSY) is a central government scheme under the Ministry of Health and Family Welfare aimed at correcting regional imbalances in availability of affordable/reliable tertiary healthcare services in the country. Two main components: (1) Setting up new AIIMS (All India Institute of Medical Sciences) — 22 new AIIMS sanctioned (6 Phase I already established: Bhubaneswar, Bhopal, Patna, Jodhpur, Raipur, Rishikesh; Phase II-VII adding more). (2) Upgradation of Government Medical Colleges (GMCs) — super specialty services in 75 Government Medical Colleges. Budget allocation: ₹14,832 crore (revised). Phase-wise establishment: Phase I (6 AIIMS), Phase II (2 AIIMS), Phase III (3 AIIMS), Phase IV+ adding hospitals. Beneficiaries: All patients — especially those in underserved states (UP, Bihar, MP, Odisha, Chhattisgarh, NE states) who previously had to travel to Delhi/Mumbai for super specialty care. Free OPD at AIIMS. Emergency services free.
PM TB Mukt Bharat Abhiyan 2026 — ₹500/Month Nutrition Support for TB Patients (Ni-kshay Poshan Yojana) | nikshay.in
PM TB Mukt Bharat Abhiyan is India's mission to eliminate Tuberculosis (TB) by 2025 (revised to 2027). Under this, the Ni-kshay Poshan Yojana (NPY) provides ₹500/month direct cash support to all TB patients registered on the Ni-kshay portal for nutritional needs during their treatment. Additionally, Ni-kshay Mitra initiative allows individuals, organisations, and corporates to 'adopt' TB patients and provide nutrition support beyond government amount. NTEP (National TB Elimination Programme) provides free TB diagnosis and free medicines (Anti-TB drugs) at all government health facilities. TB patients also get free chest X-ray and CBNAAT/TrueNat molecular test. Social security benefit: DBT of ₹500/month throughout treatment duration (6 months to 2 years depending on TB type). 25 lakh+ TB patients registered on Ni-kshay. India aims to eliminate TB by 2027 (5 years ahead of global 2030 target).
National Food Security Mission (NFSM) 2026 — Seed, Fertilizer & Technology Subsidy for Farmers | nfsm.gov.in
National Food Security Mission (NFSM) is a centrally sponsored scheme under the Ministry of Agriculture and Farmers Welfare launched in 2007 to increase production of Rice, Wheat, Pulses, Coarse Cereals, and Oilseeds through area expansion and productivity enhancement measures. NFSM provides subsidised seeds, micronutrients, soil amendment, farm machinery (seed drills, rotavators, zero-till machines), demonstration plots, and training to farmers in targeted districts. Five sub-missions: NFSM-Rice, NFSM-Wheat, NFSM-Pulses, NFSM-Coarse Cereals, NFSM-Commercial Crops. Beneficiaries: small and marginal farmers in 638 targeted districts. Seed subsidy: 50% of seed cost for certified seeds. Farm machinery: 50% subsidy (similar to SMAM). Soil health improvement: free lime/gypsum. Micro-irrigation support. Budget: ₹7,700 crore (2021-26). Target: Rice +25 MT, Wheat +8 MT, Pulses +4 MT.
MIDH — Mission for Integrated Development of Horticulture 2026 — 40-90% Subsidy for Fruit, Vegetable & Flower Farming | nhb.gov.in
Mission for Integrated Development of Horticulture (MIDH) is a Centrally Sponsored Scheme under the Ministry of Agriculture and Farmers Welfare that covers development of horticulture — fruits, vegetables, flowers, roots and tubers, mushrooms, spices, aromatic plants, coconut, cashew, and bamboo. MIDH provides 40% to 90% subsidy for area expansion, nursery establishment, protected cultivation (greenhouse/polyhouse), post-harvest management, cold chain infrastructure, market linkage, and mechanisation. Key components: National Horticulture Mission (NHM) for states; Horticulture Mission for North East & Himalayan States (HMNEH); National Horticulture Board (NHB) for commercial horticulture. Polyhouse subsidy: up to ₹935/sqm (50% of cost). Drip/sprinkler irrigation: 40-50% subsidy. Cold storage: 35-50% subsidy. Over 25 lakh farmers benefit annually. Budget: ₹10,000 crore (2021-26).
PM Karam Yogi Maan-Dhan (Traders Pension) 2026 — ₹3,000/Month Pension for Small Traders & Shopkeepers | maandhan.in
Pradhan Mantri Karam Yogi Maan-Dhan (PM-KYMM) is a central government voluntary pension scheme for small traders, shopkeepers, and self-employed individuals with an annual turnover of up to ₹1.5 crore. Launched on 22 July 2019, PM-KYMM guarantees a minimum pension of ₹3,000/month after the age of 60 years. It is a contributory scheme: subscribers contribute ₹55-200/month (depending on entry age 18-40 years) and the government contributes an equal matching amount. On the subscriber's death, spouse gets 50% family pension. Not mandatory — purely voluntary. Registration through CSC centres (free). 35 lakh+ traders registered. Important: trades registered under GST with turnover ≤ ₹1.5 crore. Also not available to EPFO/ESIC/NPS members. Implemented by Life Insurance Corporation (LIC) and administered through maandhan.in portal.
Indira Gandhi Scholarship for Single Girl Child 2026 — ₹36,200/Year for PG | ugc.ac.in
The Indira Gandhi Scholarship for Single Girl Child is a UGC (University Grants Commission) scholarship scheme recognising the value of Single Girl Child and promoting higher education for girls who are the only child in their family. It provides ₹36,200 per year (₹3,100/month for 10 months + HRA as applicable) for Post-Graduate (PG) students. Duration: 2 years (for 2-year PG programme). The scholarship is available for full-time regular first-year PG courses at any recognised university. 3,000 scholarships awarded per year through merit-cum-means basis. Family income: no income limit specified. Eligibility: Indian woman student, only child of her parents (OR one of 2 girl children with no male sibling — check latest UGC guidelines), admission to 1st year PG. Application through NSP (scholarships.gov.in) or UGC portal. Note: This is the PG fellowship; the PhD-level Indira Gandhi Single Girl Child National Fellowship has separate guidelines (₹37,000/month for PhD).
Padho Pardesh Scheme 2026 — Interest Subsidy on Overseas Education Loans for Minority Students | minorityaffairs.gov.in
Padho Pardesh is a central government scheme under the Ministry of Minority Affairs that provides interest subsidy on education loans for students from minority communities (Muslim, Christian, Sikh, Buddhist, Parsi, Jain) who take bank loans to pursue higher studies abroad — at Masters, M.Phil, or PhD level. The scheme pays the full interest on the education loan during the moratorium period (course duration + 1 year grace period). Post-moratorium, the student repays EMI normally. Family income limit: ₹6 lakh per annum. Loan through member banks of IBA (Indian Banks Association). No loan amount ceiling — but typically covers actual overseas tuition/living costs. Priority to students from economically weaker minority families. Applications through Maulana Azad Education Foundation (MAEF) via bank. Note: Scheme was under review/discontinued and later revised — verify current 2026 status at minorityaffairs.gov.in.
National Fellowship for SC Students (NFSC) 2026 — ₹37,000/Month PhD Fellowship for SC | socialjustice.gov.in
National Fellowship for Scheduled Castes (NFSC) is a central government scholarship scheme under the Ministry of Social Justice and Empowerment that provides full financial support to SC students pursuing M.Phil and PhD at universities and institutions recognized by UGC/AICTE. Fellowship amount mirrors UGC standards: JRF ₹37,000/month (first 2 years) and SRF ₹42,000/month (next 3 years), plus contingency allowance (₹10,000/year Humanities, ₹12,000/year Sciences). HRA as per university. 2,000 new fellowships per year. Selection through NET-JRF qualification (UGC-NET, CSIR-NET, SET). Application on NSP (scholarships.gov.in). Not to be combined with other central fellowships. Open to all SC students — not limited to specific disciplines. Up to 5 years duration. Administered by UGC.
National Fellowship for ST Students (NFST) 2026 — ₹37,000/Month PhD Fellowship for Tribal Students | tribal.gov.in
National Fellowship for Scheduled Tribes (NFST) is a central government scheme under the Ministry of Tribal Affairs providing full financial fellowship to ST students pursuing M.Phil and PhD at UGC-recognised institutions. Amount: JRF ₹37,000/month (2 years) + SRF ₹42,000/month (3 years) + contingency ₹10,000/year (Humanities) or ₹12,000/year (Sciences) + HRA. Duration: 5 years. 667 new fellowships per year. Selection through UGC-NET-JRF or CSIR-NET-JRF score. Application through NSP/scholarships.gov.in or tribal.gov.in. Not combinable with any other central fellowship. Covers all disciplines. Implemented by UGC on behalf of Ministry of Tribal Affairs. Primarily targeted at reducing the PhD dropout rate among tribal students by providing financial security.
National AYUSH Mission (NAM) 2026 — Free Ayurveda, Yoga, Unani, Siddha & Homeopathy Services | ayush.gov.in
National AYUSH Mission (NAM) is a Centrally Sponsored Scheme under the Ministry of AYUSH that promotes traditional Indian medicine systems — Ayurveda, Yoga & Naturopathy, Unani, Siddha, Sowa-Rigpa, and Homeopathy (AYUSH) — across India. Key components: (1) AYUSH hospitals and dispensaries — over 27,000 AYUSH dispensaries and 4,000+ hospitals operational with free medicines; (2) Ayushman Bharat Health and Wellness Centres (HWCs) integrating AYUSH services; (3) AYUSH education institutions development; (4) Quality and standardisation of AYUSH drugs; (5) AYUSH mainstreaming in PHC/CHC. Citizens benefit: Free OPD consultation, free Ayurvedic/Homeopathic/Unani medicines at government AYUSH centres, yoga sessions, panchakarma at empanelled centres. Budget: ₹4,607 crore (2021-26). 50 Wellness Centres for yoga in every district under AYUSH Wellness Centres programme.
SFURTI Scheme 2026 — ₹2.5 Crore Grant for Khadi, Coir, Bamboo & Traditional Industry Clusters | msme.gov.in
Scheme of Fund for Regeneration of Traditional Industries (SFURTI) is a central government scheme under the Ministry of MSME that organises traditional industry workers — in khadi, coir, bamboo, honey, agarbatti, handloom, pottery, etc. — into clusters and provides funding for their development and modernisation. SFURTI provides: Hard interventions (machinery, tools, equipment — up to ₹2 crore); Soft interventions (skill development, design, quality, packaging — up to ₹25 lakh); Thematic interventions (technology upgradation, brand, marketing — up to ₹10 lakh). Per cluster total: up to ₹2.5 crore regular cluster or ₹5 crore heritage cluster. Implementing Agencies (IAs): KVIC, Coir Board, state government agencies, NGOs. 50 artisan clusters covered per year. Target artisans: 50,000+ per year. Artisans need not apply directly — their cluster/IA applies. Artisans benefit through improved equipment, market access, fair wages.
Rashtriya Bal Swasthya Karyakaram (RBSK) 2026 — FREE Health Screening & Treatment for Children 0-18 | nhm.gov.in
Rashtriya Bal Swasthya Karyakaram (RBSK) is a national child health screening and early intervention programme under the National Health Mission (NHM) launched in 2013. RBSK covers ALL children from birth to 18 years — including newborns (0-6 weeks), Anganwadi children (6 weeks-6 years), and school children (6-18 years) — for FREE health screening across 4D categories: Defects at birth, Diseases, Deficiencies, and Developmental delays including disabilities. 30 health conditions are screened including Congenital Heart Disease (CHD), club foot, cleft lip, cataracts, sickle cell disease, hearing impairment, vision defects, dental issues, anaemia, growth stunting, and more. Mobile Health Teams (MHTs) — 2 doctors/AYUSH practitioners, 4 ANMs/staff nurses — visit schools and Anganwadis. If a condition is detected, children are referred to District Early Intervention Centres (DEIC) for FREE treatment, including surgery if needed (funded by NHM). Over 10 crore children screened annually.
Nirbhaya Fund 2026 — ₹10,000 Crore Women Safety Initiative | wcd.nic.in
Nirbhaya Fund is a non-lapsable corpus of ₹10,000 crore set up by the Government of India in 2013 (post the December 2012 Delhi gang-rape case) to fund projects and schemes for the safety and dignity of women. The fund is not a direct-benefit scheme — it finances government-run safety infrastructure. Projects funded under Nirbhaya Fund include: One Stop Centres (OSC Sakhi) — 800+ crisis support centres; Emergency Response Support System (ERSS) — Dial 112; Safe City projects in 8 cities; CCTV cameras in public transport; Women Helpline 181; Criminal Law Amendment; Fast Track Courts for sexual assault; Central Victim Compensation Fund (CVCF). Citizens benefit indirectly — through better safety infrastructure, faster courts, and direct services like OSC (free shelter + legal aid) and Women Helpline 181.
Mahila Shakti Kendra (MSK) 2026 — Block-Level Women Empowerment Centres | wcd.nic.in
Mahila Shakti Kendra (MSK) is a centrally sponsored scheme under the Ministry of Women and Child Development launched in 2017 as part of the umbrella Mission Shakti. MSKs provide a one-stop convergence point for women in rural areas — connecting them to government schemes, skills training, health services, legal aid, digital literacy, and market linkage. MSKs operate at three levels: National/State level (Knowledge Centres at NIPCCD/SIRDs), District level (Women Resource Centres at 640 aspirational/backward districts), and Block level (community mobilisation through 920 blocks). Student volunteers engage with village communities. Key services: Awareness of government schemes (PMJDY, PM Ujjwala, PM Awas), skill training referral, registration for welfare schemes, counselling, health camps. Budget: ₹972 crore (2017-22, extended to 2025-26).
Working Women Hostel Scheme 2026 — Subsidised Safe Hostel for Working Women | wcd.nic.in
Working Women Hostel Scheme is a central government scheme under the Ministry of Women and Child Development that promotes construction and expansion of hostels for working women (including widows) living away from home in urban, semi-urban, and rural areas. The scheme provides grant assistance to NGOs, cooperative societies, state governments, municipal bodies, and state housing boards for building/expanding Working Women Hostels. Grant: up to 75% of project cost (max ₹60 lakh for new hostel) or up to 60% for expansion. Each hostel must have at least 50 rooms. Facilities mandated: crèche (day care) for children up to 5 years of residents, common area, security, mess. Rent subsidy: women with income ≤ ₹50,000/month can stay; those with income ≤ ₹20,000/month may get priority. Hostel managed by the grantee organisation. Over 900 operational hostels across India. To find nearest hostel: contact State WCD department.
National Crèche Scheme 2026 — Free Day Care for Children of Working Mothers | wcd.nic.in
National Crèche Scheme (NCS) is a central government programme under the Ministry of Women and Child Development that provides day-care facilities (crèches) for children aged 6 months to 6 years of working mothers — including daily wage earners, construction workers, domestic workers, farmers, and other women in employment. Crèches are run by NGOs, civil society organisations, and self-help groups with central funding. Services at each crèche: day care, supplementary nutrition, health check-ups, immunisation, pre-school education, recreational activities. Monthly parent contribution: ₹20/child (BPL) or ₹100/child (non-BPL). Government pays ₹5,000-8,000 per crèche per month to the operating organisation. Over 9,000 crèches operational covering 1.35 lakh children. In 2023, the scheme was revised under 'Mission Shakti — Supporting Urban, Rural and Sub-urban Working Women with a Child Care Facility (SUWC)' name with enhanced funding.
🌾 Agriculture Schemes
View All →PM Kisan Samman Nidhi Yojana 2025
PM-KISAN provides ₹6,000 per year direct income support to all land-holding farmer families across India in three equal instalments of ₹2,000.
PM Fasal Bima Yojana — Crop Insurance Scheme 2025
Pradhan Mantri Fasal Bima Yojana provides comprehensive financial support to farmers who suffer crop loss due to natural calamities, pests, or diseases at very low premium rates.
Kisan Credit Card (KCC) Scheme 2025
Kisan Credit Card provides farmers with flexible and affordable short-term credit for cultivation expenses, post-harvest needs, and allied activities at interest rates as low as 4% per annum.
PM Kisan Maandhan Yojana 2026 — ₹3,000/Month Pension for Farmers | maandhan.in
PM Kisan Maandhan Yojana (PM-KMY) is a voluntary and contributory pension scheme for small and marginal farmers launched in 2019. Farmers aged 18–40 contribute a small monthly amount (₹55–₹200 depending on entry age) and receive a guaranteed pension of ₹3,000/month after reaching 60 years of age. The Government of India contributes an equal matching amount to the Pension Fund.
PM Matsya Sampada Yojana 2026 — ₹3 Lakh Subsidy for Fishermen | pmmsy.dof.gov.in
Pradhan Mantri Matsya Sampada Yojana (PMMSY) is the flagship fisheries development scheme launched in 2020 with a budget of ₹20,050 crore. It provides subsidized assistance for aquaculture infrastructure, fishing boats, nets, ice plants, cold storage, and livelihood support to 2.8 crore fishing community members. Subsidy: 40-60% for general category, 60% for SC/ST/Women.
PM Dhan-Dhaanya Krishi Yojana 2025 — ₹1.44 Lakh Crore Agriculture Mission for 1.7 Crore Farmers | pmddk.gov.in
PM Dhan-Dhaanya Krishi Yojana (PMDDKY) is India's most significant new agriculture scheme launched by PM Modi in October 2025 under Budget 2025-26. The scheme targets 100 low-productivity agricultural districts across India with a ₹1.44 lakh crore investment over 6 years, benefiting 1.7 crore farmers. It integrates 36 existing central agriculture schemes under one umbrella to deliver irrigation, crop insurance, soil health, post-harvest storage, credit access, and market linkage in a convergent manner to each selected district. The scheme prioritises Aspirational Districts and districts with below-national-average agricultural productivity. Key benefits include: pre and post-harvest infrastructure, crop diversification support, natural farming promotion, and farmer income doubling through value-chain linkages.
Antyodaya Anna Yojana (AAY) 2026 — 35 Kg Subsidised Grain/Month for Poorest Families | nfsa.gov.in
Antyodaya Anna Yojana (AAY) is India's targeted food security scheme for the poorest of the poor, launched by PM Atal Bihari Vajpayee in December 2000. Under AAY, identified families (with yellow ration card) receive 35 kg of food grain per month at highly subsidised rates — rice at ₹3/kg and wheat at ₹2/kg (and coarse cereals at ₹1/kg). AAY covers 2.5 crore families nationally — those with no steady income, landless agriculture labourers, marginal farmers, rural artisans, slum dwellers, and the destitute. Under the National Food Security Act (NFSA) 2013, AAY beneficiaries receive grains free of cost (zero price) as the state and central government absorb the full cost. The yellow AAY ration card is distinct from the Priority Household (PHH) white/pink card.
PM Krishi Sinchai Yojana (PMKSY) 2026 — Har Khet Ko Pani, More Crop Per Drop | pmksy.gov.in
Pradhan Mantri Krishi Sinchai Yojana (PMKSY) is India's flagship irrigation scheme launched in 2015 with the motto 'Har Khet Ko Pani, More Crop Per Drop.' The scheme aims to achieve convergence of irrigation investments at field level — providing end-to-end solutions from water source creation to field application. PMKSY has four major components: (1) Accelerated Irrigation Benefit Programme (AIBP) — completing long-pending irrigation projects; (2) Har Khet Ko Pani (HKKP) — ground water development and distribution network; (3) Per Drop More Crop (PDMC) — micro-irrigation (drip and sprinkler) with 55% subsidy for small/marginal farmers; (4) Watershed Development. Over 7 crore hectares of agricultural land covered with an outlay of ₹93,068 crore under the current phase.
Paramparagat Krishi Vikas Yojana (PKVY) 2026 — ₹50,000/Hectare for Organic Farming | pgsindia.net
Paramparagat Krishi Vikas Yojana (PKVY) is India's flagship organic farming promotion scheme launched in 2015 under the National Mission for Sustainable Agriculture. PKVY provides financial assistance of ₹50,000 per hectare over 3 years to farmers adopting organic farming through cluster-based approach. Farmers are organised into clusters of 50 in a contiguous area of 50 hectares, and the cluster receives organic inputs, certification support, and market linkage. The scheme promotes traditional Indian organic farming methods including Rishi Krishi, Zero Budget Natural Farming (ZBNF), and Bharat Organic certification. Over 8.89 lakh farmers have been certified organic under PKVY, making India the world's largest organic producer by farmer count.
e-NAM — National Agriculture Market 2026 — Online Mandi for 1.8 Crore Farmers | enam.gov.in
e-NAM (Electronic National Agriculture Market) is India's pan-India electronic trading portal for agricultural commodities, launched in 2016 to create a unified national market for farmers. It connects 1,361 APMCs (Mandis) across 23 states/UTs through a single online platform, enabling farmers to sell their produce to buyers across India at transparent, competitive prices without middlemen. Farmers get better price discovery through online bidding, while buyers can purchase from any empanelled mandi remotely. Over 1.8 crore farmers and 2.7 lakh traders are registered. Key features: online quality assaying, electronic payment, logistics integration, and FPO (Farmer Producer Organisation) trading module. The platform handles over ₹3 lakh crore in trade annually.
Soil Health Card Scheme India 2026 — Free Soil Testing & Fertiliser Recommendations for Farmers | soilhealth.dac.gov.in
Soil Health Card (SHC) Scheme is India's flagship soil testing initiative launched by PM Modi in February 2015. Under the scheme, every farmer's agricultural land is tested for 12 soil health parameters including major nutrients (N, P, K), secondary nutrients (S, Ca, Mg), and micro-nutrients (Fe, Mn, Cu, Zn, B, Mo) every 3 years. Based on test results, a Soil Health Card is issued — a printed/digital report showing soil nutrient status and crop-specific fertiliser recommendations (how much urea, DAP, potash to use). The scheme has issued over 23 crore soil health cards to date, saving farmers money on excess fertiliser use while improving crop yields by 5-6%. Under Budget 2025-26, the scheme is being expanded with digital soil map creation.
PM Garib Kalyan Anna Yojana (PMGKAY) 2026 — Free 5 kg Grain/Month to 81 Crore | nfsa.gov.in
PM Garib Kalyan Anna Yojana (PMGKAY) provides free food grain — 5 kg wheat/rice per person per month — to 81.35 crore beneficiaries covered under the National Food Security Act (NFSA). Launched in April 2020 during COVID-19, made permanent from January 2024 under the NFSA umbrella. No payment required — grain is distributed free through PDS ration shops. Budget: ₹2 lakh crore annually. Managed by the Ministry of Consumer Affairs, Food & Public Distribution.
PM Matsya Kisan Samridhi Sah-Yojana (PM-MKSSY) 2026 — ₹3 Lakh Kisan Credit + Micro Insurance | Fishermen Scheme
Pradhan Mantri Matsya Kisan Samridhi Sah-Yojana (PM-MKSSY) is a new central scheme launched in Budget 2024-25 specifically for the formalization and welfare of fishermen and fish farmers. Key benefits: Kisan Credit Card (KCC) for fishermen — ₹3 lakh credit at 7% (effective 4% with subvention); micro-insurance of ₹2 lakh for boat owners and ₹1 lakh for non-boat fishermen; onboarding on PM FishNet digital platform for identity and market access; and performance grants for fish production. Target: 4 crore fishermen and 7.5 lakh fish farmers. Part of PM Matsya Sampada Yojana ecosystem.
Atal Bhujal Yojana 2026 — Community Groundwater Management | ₹6,000 Crore | 7 States
Atal Bhujal Yojana (Atal Jal) is a Rs.6,000 crore World Bank-supported groundwater management scheme covering 8,774 water-stressed gram panchayats across 7 states: Gujarat, Haryana, Karnataka, Madhya Pradesh, Maharashtra, Rajasthan, and Uttar Pradesh. The scheme promotes community-led groundwater management through Gram Panchayat Water Security Plans (WSPs), real-time monitoring, and performance-based incentives. Farmers are encouraged to adopt micro-irrigation, crop diversification, and water-use efficiency measures. 50% World Bank loan, 50% central government funding. 2021–2026 implementation.
NMEO-Oilseeds 2026 — ₹10,103 Crore Edible Oils Self-Reliance Mission | Farmer Subsidy + Seeds
National Mission on Edible Oils – Oilseeds (NMEO-Oilseeds) is the central government's ₹10,103 crore mission approved in September 2024 to achieve self-reliance (Atmanirbhar) in edible oils. India currently imports 56% of its edible oils (over Rs 1.4 lakh crore worth annually). NMEO-Oilseeds targets boosting domestic oilseed production from 39 million tonnes (2022-23) to 69.7 million tonnes by 2030-31, increasing area under oilseeds by 40 lakh hectares. Key crops: groundnut, mustard, soybean, sunflower, sesame, niger, linseed, safflower, castor. Farmers get high-yield seeds, training, mechanization subsidy, and bonus on MSP. Implementation: 2024-25 to 2030-31.
PM PRANAM Scheme 2026 — Reduce Chemical Fertilizer + Promote Bio-Fertilizers | State Incentive Programme
PM PRANAM (Pradhan Mantri PRogramme for Restoration, Awareness, Nourishment and Amelioration of Mother Earth) is a Cabinet-approved (June 2023) state-incentive scheme to reduce chemical fertilizer use and promote bio-fertilizers, organic fertilizers, and natural farming. PM PRANAM has NO separate budget — it works by giving 50% of the SAVINGS in fertilizer subsidy back to states as a grant, when those states successfully reduce their urea/DAP/MOP consumption. Of this 50%, states must use 70% for fertilizer-related infrastructure (storage, bio-fertilizer units, soil testing labs) and 30% as direct rewards to farmers, FPOs, panchayats, and SHGs adopting alternate fertilizers. This rewards states for sustainable agriculture without burdening the central exchequer.
Nutrient Based Subsidy (NBS) Scheme 2026 — DAP/MOP/Complex Fertilizer Subsidy for Farmers
Nutrient Based Subsidy (NBS) is the central government scheme that provides subsidy on Phosphatic and Potassic (P&K) fertilizers — DAP, MOP, complex fertilizers (NPK), and 23+ other nutrient-based fertilizers (except urea which is under a separate subsidy regime). NBS subsidy is fixed PER NUTRIENT (N, P, K, S) on an annual basis by the Cabinet Committee on Economic Affairs. Fertilizer companies sell at MRP fixed by the government and claim NBS subsidy from the centre. This scheme keeps fertilizers affordable for farmers — India's total fertilizer subsidy bill is Rs 1.8+ lakh crore/year (urea + NBS combined). NBS is run by the Department of Fertilizers, Ministry of Chemicals and Fertilizers.
PMMSY RAS & Biofloc Fish Farming 2026 — 40-60% Subsidy on High-Density Fish Production | Aquaculture Scheme
Under Pradhan Mantri Matsya Sampada Yojana (PMMSY), the RAS (Recirculating Aquaculture System) and Biofloc Fish Farming components provide 40% subsidy to general category and 60% subsidy to women/SC/ST/Northeast farmers on setting up high-density indoor fish farms. RAS is a sophisticated indoor fish farming technology where water is filtered and recirculated, allowing year-round production with minimal water use. Biofloc is a low-cost variant where microbial biomass in the tank itself filters waste. PMMSY subsidy: Up to Rs 25 lakh per RAS unit (12 tanks) and Rs 4 lakh per medium biofloc unit (7 tanks). Boosts inland fish production, reduces water/land requirement, and provides high returns (Rs 5–8 lakh annually per unit).
Operation Greens (TOP) 2026 — 50% Subsidy on Tomato, Onion, Potato Storage & Transport | Farmer Scheme
Operation Greens (TOP — Tomato, Onion, Potato) is a Government of India scheme launched November 2018 to stabilise prices of perishable vegetables and protect farmers from distress sales. Two main components: (1) Price stabilisation of TOP crops with Government intervention during oversupply/scarcity; (2) 50% subsidy on transportation and storage costs to FPOs, cooperatives, processors, exporters. Extended to all fruits & vegetables (TOP to TOTAL) in 2020-21. Implemented by Ministry of Food Processing Industries (MoFPI). Outlay: ₹500 crore.
PM-AASHA 2026 — Annadata Aay Sanrakshan Abhiyan | MSP Procurement for Farmers | agricoop.nic.in
Pradhan Mantri Annadata Aay Sanrakshan Abhiyan (PM-AASHA) is the central scheme to ensure farmers get the Minimum Support Price (MSP) for their pulses, oilseeds, and copra. Approved September 2018. Three components: (1) PSS (Price Support Scheme) — direct MSP procurement by central agencies; (2) PDPS (Price Deficiency Payment Scheme) — DBT for price gap; (3) PPSS (Private Procurement & Stockist Scheme) — pilot with private players. Implementation by NAFED, FCI, SFAC. Covers 23+ crops at notified MSP. Continued and enhanced for 2024-26 cycle with ₹35,000 crore outlay.
PM-KUSUM Solar Pump Scheme 2026 — 60% Subsidy on Solar Pumps for Farmers | pmkusum.mnre.gov.in
PM-KUSUM (Pradhan Mantri Kisan Urja Suraksha evam Utthaan Mahabhiyan) is a central government scheme under the Ministry of New and Renewable Energy (MNRE) that gives farmers up to 60% central + state subsidy on solar-powered irrigation pumps (2HP to 10HP). Launched in 2019, the scheme has three components: Component A — 10,000 MW of decentralised solar plants on barren/cultivable land; Component B — standalone solar-powered agriculture pumps (target: 20 lakh pumps); Component C — solarisation of grid-connected agriculture pumps (target: 15 lakh pumps). Farmers pay only 10% of the cost; 30% central subsidy + 30% state subsidy + 30% CFA from MNRE. States like Maharashtra (Mukhyamantri Saur Krishi Pump), Rajasthan, UP, MP have active portals. Budget: ₹34,422 crore. Total target: 30.8 lakh solar pumps by 2026.
SMAM — Sub-Mission on Agricultural Mechanization 2026 — 40-80% Subsidy on Tractors & Farm Machinery | agrimachinery.nic.in
Sub-Mission on Agricultural Mechanization (SMAM) is a central government scheme under the Ministry of Agriculture and Farmers Welfare that provides 40% to 80% subsidy on agricultural machinery and equipment to farmers — including tractors, power tillers, rotavators, seed drills, threshers, harvesters, sprayers, drones, and more. SC/ST, women, and small/marginal farmers get higher subsidy (50-80%). General farmers get 40-50% subsidy. Maximum subsidy amount varies by machine type and state. The scheme also supports Custom Hiring Centres (CHC) — farmers can start a CHC (farm machinery rental service) with 40% subsidy up to ₹10 lakh per CHC. Farm Machinery Bank (FMB) scheme provides ₹10 lakh per group for SHG/FPO. State-level portals process applications. Application through agrimachinery.nic.in or state agriculture portal. Budget: ₹3,250 crore (2021-26). Target: 5 lakh CHC + 50,000 FMB.
National Food Security Mission (NFSM) 2026 — Seed, Fertilizer & Technology Subsidy for Farmers | nfsm.gov.in
National Food Security Mission (NFSM) is a centrally sponsored scheme under the Ministry of Agriculture and Farmers Welfare launched in 2007 to increase production of Rice, Wheat, Pulses, Coarse Cereals, and Oilseeds through area expansion and productivity enhancement measures. NFSM provides subsidised seeds, micronutrients, soil amendment, farm machinery (seed drills, rotavators, zero-till machines), demonstration plots, and training to farmers in targeted districts. Five sub-missions: NFSM-Rice, NFSM-Wheat, NFSM-Pulses, NFSM-Coarse Cereals, NFSM-Commercial Crops. Beneficiaries: small and marginal farmers in 638 targeted districts. Seed subsidy: 50% of seed cost for certified seeds. Farm machinery: 50% subsidy (similar to SMAM). Soil health improvement: free lime/gypsum. Micro-irrigation support. Budget: ₹7,700 crore (2021-26). Target: Rice +25 MT, Wheat +8 MT, Pulses +4 MT.
MIDH — Mission for Integrated Development of Horticulture 2026 — 40-90% Subsidy for Fruit, Vegetable & Flower Farming | nhb.gov.in
Mission for Integrated Development of Horticulture (MIDH) is a Centrally Sponsored Scheme under the Ministry of Agriculture and Farmers Welfare that covers development of horticulture — fruits, vegetables, flowers, roots and tubers, mushrooms, spices, aromatic plants, coconut, cashew, and bamboo. MIDH provides 40% to 90% subsidy for area expansion, nursery establishment, protected cultivation (greenhouse/polyhouse), post-harvest management, cold chain infrastructure, market linkage, and mechanisation. Key components: National Horticulture Mission (NHM) for states; Horticulture Mission for North East & Himalayan States (HMNEH); National Horticulture Board (NHB) for commercial horticulture. Polyhouse subsidy: up to ₹935/sqm (50% of cost). Drip/sprinkler irrigation: 40-50% subsidy. Cold storage: 35-50% subsidy. Over 25 lakh farmers benefit annually. Budget: ₹10,000 crore (2021-26).
📚 Education Schemes
View All →PM YASASVI Scholarship Scheme 2025
PM Young Achievers Scholarship Award Scheme for Vibrant India provides scholarships to OBC, EBC, and DNT students for education in Classes 9-12.
PM POSHAN — Free Mid-Day Meal Scheme 2025
PM Poshan Shakti Nirman (formerly Mid-Day Meal Scheme) provides free hot cooked meals to students in government and government-aided schools to improve nutrition and boost school attendance.
National Scholarship Portal (NSP) 2026 — Apply for Central Scholarships Online
The National Scholarship Portal is a one-stop platform for students to apply for all central government scholarship schemes including pre-matric, post-matric, and merit-cum-means scholarships for SC, ST, OBC, and minority students.
PM SHRI Schools Scheme 2026 — 14,500 Upgraded Schools | Smart Class + Career Counselling
PM SHRI (PM Schools for Rising India) is a centrally sponsored scheme that upgrades 14,500 government schools across India into modern, green, and smart schools. Each selected PM SHRI school gets ₹2 crore+ for smart classrooms, digital libraries, labs, career counselling, vocational education, and NEP 2020 implementation over 5 years.
NMMS Scholarship 2026 — ₹12,000/Year for Class 9-12 Meritorious Students | scholarships.gov.in
National Means-cum-Merit Scholarship (NMMS) is a centrally sponsored scholarship scheme that provides ₹12,000 per year (₹1,000/month) to meritorious students from economically weaker sections studying in Classes 9 to 12 in government schools. The scholarship continues for all 4 years (Class 9 to 12) subject to annual renewal. Apply through scholarships.gov.in.
PM CARES for Children 2026 — COVID Orphans: ₹10 Lakh at 18 + Free Education + Health
PM CARES for Children scheme provides comprehensive support to children who lost both parents or legal guardian due to COVID-19. Benefits include: ₹10 lakh corpus deposited in their name (accessible at age 18), free education from Class 1 to Class 12 (Navodaya/KVS or state residential schools), PM-JAY health insurance up to ₹5 lakh, and monthly stipend after 18 years.
Samagra Shiksha Abhiyan 2026 — Free Uniform, Books, Midday Meal for All Government School Students
Samagra Shiksha Abhiyan is an integrated school education scheme covering pre-school to Class 12, implemented from 2018 by merging SSA, RMSA, and TE. It provides free textbooks, uniforms (₹600/year), Midday Meal, ICT labs, sports equipment, and special needs support to students in all government schools. It also funds teacher training, school infrastructure, and equity interventions for girls and marginalised communities.
Atal Innovation Mission (AIM) 2026 — 10,000 Atal Tinkering Labs + Startup Support | aim.gov.in
Atal Innovation Mission (AIM), established in 2016 under NITI Aayog, is India's flagship initiative to foster innovation and entrepreneurship. Key programmes: Atal Tinkering Labs (ATL) — Rs 20 lakh per school for STEM problem-solving in 10,000 schools; Atal Incubation Centres (AIC) — Rs 10 crore grant to set up startup incubators; Atal New India Challenges (ANIC) — grant up to Rs 1 crore for technology solutions to national problems; Atal Community Innovation Centres (ACIC) — innovation centres in Tier 2/3 cities. Over 10,000 ATLs operational.
PM Vidya Lakshmi Scheme 2026 — Collateral-Free ₹10 Lakh Education Loan | pmvidyalakshmi.co.in
PM Vidya Lakshmi Scheme, approved by Cabinet in November 2024, provides collateral-free education loans of up to ₹10 lakh to meritorious students admitted to Quality Higher Education Institutions (QHEIs). Students from families with annual income up to ₹8 lakh get a 75% credit guarantee, removing the need for collateral or guarantor. For families with income up to ₹4.5 lakh, the government pays the full interest during the moratorium (study period + 1 year). Students can apply to up to 3 banks simultaneously through a single Common Education Loan Application Form (CELAF) at pmvidyalakshmi.co.in.
PM VIDYA PRAVESH 2026 — 3-Month Play-Based School Readiness for Class 1 | Free Programme
PM VIDYA PRAVESH is a free 3-month school readiness module for children enrolling in Class 1 (age 6+), implemented under the National Education Policy (NEP) 2020. It bridges the gap between Anganwadi/ECCE and formal schooling. The programme uses play-based, activity-based learning covering foundational literacy (alphabets, rhymes) and numeracy (counting, shapes) without formal homework or examinations. Teachers are trained under NISHTHA FLN module. Implemented across all government and government-aided primary schools in India. Module materials available in all scheduled languages on DIKSHA platform.
One Nation One Subscription (ONOS) 2026 — Free Research Journal Access for 1.8 Crore Students | ₹6,000 Crore
One Nation One Subscription (ONOS) is a Government of India scheme approved in November 2024 with Rs.6,000 crore outlay to provide free access to 13,000+ international research journals and databases to over 6,300 government higher education institutions (universities, colleges, IITs, NITs, AIIMS) and 1.8 crore+ students, faculty, and researchers. Previously, institutions paid individually — ONOS centralises subscriptions via the government, saving institutions lakhs per year. Implemented by INFLIBNET Centre under Ministry of Education. Access via e-Shodh Sindhu portal (ess.inflibnet.ac.in).
ULLAS — Nav Bharat Saksharta Karyakram 2026 — Free Adult Literacy Programme for Non-Literates 15+
ULLAS (Understanding of Lifelong Learning for All in Society) — also called Nav Bharat Saksharta Karyakram or New India Literacy Programme (NILP) — is a Centrally Sponsored Scheme launched in February 2022 to make 5 crore adult non-literates (age 15+) functionally literate by 2027. The scheme has five components: (1) Foundational Literacy and Numeracy; (2) Critical Life Skills (financial, digital, legal, electoral); (3) Vocational Skills; (4) Basic Education (Class 3–8 equivalency); and (5) Continuing Education. ULLAS leverages volunteers (teachers, students, NGOs, retirees) and the DIKSHA + ULLAS App for self-paced digital learning in 22 Indian languages. Annual Foundational Literacy Assessment Test (FLNAT) certifies learners.
PM-USHA Higher Education Scheme 2026 — ₹12,926 Crore | Quality Higher Education Across States
Pradhan Mantri Uchchatar Shiksha Abhiyan (PM-USHA) is the restructured higher education scheme approved in 2023 with Rs 12,926 crore outlay for 5 years. PM-USHA replaces the earlier RUSA (Rashtriya Uchchatar Shiksha Abhiyan) with stronger NEP 2020 alignment. It funds state and central universities, colleges, multi-disciplinary education and research universities (MERUs), and cluster universities. Key components: (1) Strengthening existing universities; (2) New model degree colleges in underserved districts; (3) Grants to gender-inclusive and accessible institutions; (4) Multi-disciplinary curriculum reform; (5) Equity initiatives for SC/ST/OBC/women/PwD. Implemented through Project Approval Boards (PABs) at central and state levels.
Khelo India Scheme 2026 — ₹5 Lakh/Year Athlete Scholarship | Khelo India Youth Games | KIRTI Talent Search
Khelo India is the Government of India's flagship sports development scheme launched in 2018 to revive sports culture, identify talent, and create world-class sports infrastructure. Components: (1) Khelo India Youth Games (KIYG) — annual multi-sport competition for under-17 and under-21 athletes; (2) Khelo India University Games (KIUG) — for university students; (3) Khelo India Talent Identification — top athletes get ₹6.28 lakh/year scholarship (₹120,000 stipend + boarding/lodging + training + competition exposure) for 8 years through Khelo India Athlete (KIA) status; (4) KIRTI (Khelo India Rising Talent Identification) — talent hunt scheme for under-14 to under-17 with 1 lakh+ athletes assessed annually; (5) Khelo India Centres — 1,000+ sports centres across districts.
PMGDISHA 2026 — Free Digital Literacy Training for 6 Crore Rural Indians | pmgdisha.in
Pradhan Mantri Gramin Digital Saksharta Abhiyan (PMGDISHA) is the largest digital literacy programme in the world — training 6 crore adults in 40% of rural households to be digitally literate. Free 20-hour training on smartphone use, internet, email, digital payments, government services, and online banking. After training, learners take a NIELIT exam — those who pass get a Digital Literacy certificate. Implemented through 5+ lakh Common Service Centres (CSCs). 6.39 crore registered, 5.93 crore trained, 4.62 crore certified as of 2024.
PM Scholarship Scheme (PMSS-CAPF) 2026 — ₹3,000/Month for Defence & CAPF Dependents | scholarships.gov.in
Prime Minister's Scholarship Scheme (PMSS) — administered by the Welfare and Rehabilitation Board (Defence Ministry) and Ministry of Home Affairs (CAPFs) — provides ₹3,000/month (boys) and ₹3,250/month (girls) to wards/widows of ex-Defence personnel (Army/Navy/Air Force/Coast Guard) and Central Armed Police Forces (CAPF — BSF, CRPF, ITBP, CISF, SSB, Assam Rifles) for professional courses (engineering, medical, MBA, dental, veterinary, computer applications). 5,500 scholarships annually for Defence, 2,000 for CAPF.
Post-Matric Scholarship for SC Students 2026 — Full Tuition + ₹13,500 Maintenance | scholarships.gov.in
Centrally Sponsored Post-Matric Scholarship for Scheduled Caste (PMS-SC) is the largest scholarship scheme in India by coverage — benefiting 60+ lakh SC students annually for studies after Class 10 (Class 11/12, ITI, diploma, graduation, post-graduation, PhD). Covers full tuition fees (including hostel charges in some categories), maintenance allowance (₹230-₹1,200/month based on group), book allowance, study tour allowance, and disability allowance for PwD students. Annual outlay: ₹6,000+ crore. Implemented through National Scholarship Portal (NSP).
Pre-Matric Scholarship for SC/ST Students 2026 — ₹350-₹1,000/Month for Class 1-10 | scholarships.gov.in
Pre-Matric Scholarship for SC and ST students is the centrally-sponsored scheme for Class 1-10 students from Scheduled Caste and Scheduled Tribe communities. Provides maintenance allowance, book allowance, and additional allowances for SC/ST students whose families earn ≤ ₹2.5 lakh/year. Two separate schemes: Pre-Matric for SC (administered by Ministry of Social Justice & Empowerment) and Pre-Matric for ST (administered by Ministry of Tribal Affairs). Covers Class 1-10 — different rates for day scholars vs hostellers. Over 50 lakh SC + 30 lakh ST students benefit annually. Implemented through NSP.
PRABUDDHA Scheme 2026 — Overseas Education Funding for Marginalised Students | scholarships.gov.in
PRABUDDHA Scheme is the Government of Karnataka's initiative — emulated by other states — providing financial assistance to meritorious students from Scheduled Castes (SC), Scheduled Tribes (ST), and Backward Communities to pursue higher studies in top global universities. Up to ₹50 lakh per student covering tuition + living + travel. Top 200 universities (QS Rankings) eligible. Originally Karnataka state scheme but now central counterpart National Overseas Scholarship Scheme covers similar mandate for SC/ST nationally. Combined coverage benefits over 100 marginalised students per year for Masters/PhD abroad.
PM Research Fellowship (PMRF) 2026 — ₹70,000/Month + ₹2L Research Grant for IIT/IISc PhD | pmrf.in
PM Research Fellowship (PMRF) is a prestigious scholarship scheme launched in 2018 by the Ministry of Education to attract the best Bachelor's/Master's students into PhD programmes at IITs, IISc, IISERs, NITs, and other premier research institutions. Fellowship amount: ₹70,000/month for all 5 years (revised from the earlier ₹31,000-70,000 slab structure). Research grant of ₹2 lakh per year for first 2 years, ₹2 lakh for 3rd year, ₹2 lakh for 4th and 5th year — total ₹10 lakh over 5 years. Selection is through direct admission or lateral entry from premier IITs/IISc/IISERs. Three channels: (1) Direct Admission from 4-year BS/B.Tech final year at premier institutes; (2) Lateral Entry from 2nd year of ongoing PhD; (3) Supernumerary seats for other students through national test. Target: 3,000 new fellows per year across Science, Technology, Engineering, and Mathematics (STEM). Currently 4,000+ active PMRF fellows.
Eklavya Model Residential Schools (EMRS) 2026 — Free Residential School for Tribal Children | tribal.nic.in
Eklavya Model Residential Schools (EMRS) is a flagship scheme of the Ministry of Tribal Affairs providing FREE quality residential education to Scheduled Tribe (ST) children from Class 6 to Class 12. Launched in 1997, EMRS schools are fully residential — providing free boarding, lodging, tuition, uniform, books, stationery, and medical care. The scheme aims to establish one EMRS in every block with ST population above 50% and at least 20,000 tribal population, by 2022 (extended to 2026). Currently over 688 EMRS schools are functional across 27 states/UTs, benefiting over 1.5 lakh students. Each EMRS school has capacity for 480 students. Budget enhanced to ₹38,000 crore for 2018-2022. Schools follow CBSE curriculum and have modern facilities including science labs, libraries, computer rooms, and sports facilities. Tribal students also get JEE/NEET coaching at EMRS. National Admission Test (EMRS-NAT) conducted for admission.
AICTE Saksham Scholarship 2026 — ₹50,000/Year for PwD Engineering Students | aicte-india.org
AICTE Saksham (Scholarship for Aiding the Careers of Students with Specially-Abled Merits) is a scholarship scheme by the All India Council for Technical Education (AICTE) that provides ₹50,000 per year to Persons with Disability (PwD) pursuing undergraduate technical/engineering degree programmes at AICTE-approved institutions. The scholarship covers B.Tech, B.E., B.Arch, B.Pharma, HMCT, and other 4-year technical programmes. Eligibility: disability of 40% or more, family income ≤ ₹8 lakh per annum, admission to 1st year of AICTE-approved institution. Up to 1,000 scholarships awarded per year on merit. Application through National Scholarship Portal (scholarships.gov.in). Fresh and renewal applications accepted. Scholarship paid directly to student bank account.
Maulana Azad National Fellowship (MANF) 2026 — ₹37,000/Month for Minority PhD Students | minorityaffairs.gov.in
Maulana Azad National Fellowship (MANF) is a central government fellowship scheme for students belonging to notified minority communities (Muslim, Christian, Buddhist, Sikh, Parsi, Jain) pursuing M.Phil and PhD at recognised universities in India. Fellowship amount: ₹37,000/month for JRF (first 2 years) and ₹42,000/month for SRF (next 3 years), plus contingency allowance ₹10,000/year (Humanities/Social Sciences) and ₹12,000/year (Sciences). HRA as per university norms. Duration: up to 5 years total (2 years JRF + 3 years SRF). 756 new fellowships per year. Selection through NET-JRF score (UGC-NET or CSIR-NET). Implemented by University Grants Commission (UGC) on behalf of Ministry of Minority Affairs. Application on NSP/scholarship portal. Note: As per 2023 Supreme Court ruling and government review — verify current status before applying as scheme has had regulatory changes.
Indira Gandhi Scholarship for Single Girl Child 2026 — ₹36,200/Year for PG | ugc.ac.in
The Indira Gandhi Scholarship for Single Girl Child is a UGC (University Grants Commission) scholarship scheme recognising the value of Single Girl Child and promoting higher education for girls who are the only child in their family. It provides ₹36,200 per year (₹3,100/month for 10 months + HRA as applicable) for Post-Graduate (PG) students. Duration: 2 years (for 2-year PG programme). The scholarship is available for full-time regular first-year PG courses at any recognised university. 3,000 scholarships awarded per year through merit-cum-means basis. Family income: no income limit specified. Eligibility: Indian woman student, only child of her parents (OR one of 2 girl children with no male sibling — check latest UGC guidelines), admission to 1st year PG. Application through NSP (scholarships.gov.in) or UGC portal. Note: This is the PG fellowship; the PhD-level Indira Gandhi Single Girl Child National Fellowship has separate guidelines (₹37,000/month for PhD).
Padho Pardesh Scheme 2026 — Interest Subsidy on Overseas Education Loans for Minority Students | minorityaffairs.gov.in
Padho Pardesh is a central government scheme under the Ministry of Minority Affairs that provides interest subsidy on education loans for students from minority communities (Muslim, Christian, Sikh, Buddhist, Parsi, Jain) who take bank loans to pursue higher studies abroad — at Masters, M.Phil, or PhD level. The scheme pays the full interest on the education loan during the moratorium period (course duration + 1 year grace period). Post-moratorium, the student repays EMI normally. Family income limit: ₹6 lakh per annum. Loan through member banks of IBA (Indian Banks Association). No loan amount ceiling — but typically covers actual overseas tuition/living costs. Priority to students from economically weaker minority families. Applications through Maulana Azad Education Foundation (MAEF) via bank. Note: Scheme was under review/discontinued and later revised — verify current 2026 status at minorityaffairs.gov.in.
National Fellowship for SC Students (NFSC) 2026 — ₹37,000/Month PhD Fellowship for SC | socialjustice.gov.in
National Fellowship for Scheduled Castes (NFSC) is a central government scholarship scheme under the Ministry of Social Justice and Empowerment that provides full financial support to SC students pursuing M.Phil and PhD at universities and institutions recognized by UGC/AICTE. Fellowship amount mirrors UGC standards: JRF ₹37,000/month (first 2 years) and SRF ₹42,000/month (next 3 years), plus contingency allowance (₹10,000/year Humanities, ₹12,000/year Sciences). HRA as per university. 2,000 new fellowships per year. Selection through NET-JRF qualification (UGC-NET, CSIR-NET, SET). Application on NSP (scholarships.gov.in). Not to be combined with other central fellowships. Open to all SC students — not limited to specific disciplines. Up to 5 years duration. Administered by UGC.
National Fellowship for ST Students (NFST) 2026 — ₹37,000/Month PhD Fellowship for Tribal Students | tribal.gov.in
National Fellowship for Scheduled Tribes (NFST) is a central government scheme under the Ministry of Tribal Affairs providing full financial fellowship to ST students pursuing M.Phil and PhD at UGC-recognised institutions. Amount: JRF ₹37,000/month (2 years) + SRF ₹42,000/month (3 years) + contingency ₹10,000/year (Humanities) or ₹12,000/year (Sciences) + HRA. Duration: 5 years. 667 new fellowships per year. Selection through UGC-NET-JRF or CSIR-NET-JRF score. Application through NSP/scholarships.gov.in or tribal.gov.in. Not combinable with any other central fellowship. Covers all disciplines. Implemented by UGC on behalf of Ministry of Tribal Affairs. Primarily targeted at reducing the PhD dropout rate among tribal students by providing financial security.
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🏥 Health Schemes
View All →Ayushman Bharat PM-JAY Yojana 2025
Ayushman Bharat provides free health insurance coverage of ₹5 lakh per family per year for secondary and tertiary hospitalisation to economically vulnerable families.
One Nation One Ration Card (ONORC) 2026 — Ration Anywhere in India | nfsa.gov.in
One Nation One Ration Card (ONORC) allows any NFSA beneficiary to avail their entitled ration from any Fair Price Shop (FPS) anywhere in India using Aadhaar-based biometric authentication. Migrant workers can now get ration in the city where they work, not just their home state. All 36 states/UTs are covered under ONORC.
National Health Mission 2026 — Free Health Services + Free Medicines + NHM ASHAs | nhm.gov.in
National Health Mission (NHM) is India's largest public health programme covering National Rural Health Mission (NRHM) and National Urban Health Mission (NUHM). It provides free essential medicines, diagnostics, and health services at government health facilities. Key components: ASHA workers, Janani Suraksha Yojana (JSY), Janani Shishu Suraksha Karyakram (JSSK), free immunisation, and Rashtriya Bal Swasthya Karyakram (RBSK).
Poshan 2.0 / Saksham Anganwadi 2026 — Free Nutrition for 8 Crore Children + Pregnant Women
Poshan 2.0 (Saksham Anganwadi and Poshan 2.0) is the umbrella nutrition mission launched in 2021 by merging ICDS, Poshan Abhiyan, and other nutrition schemes. It provides supplementary nutrition to 8 crore children (0-6 years), 1.78 crore pregnant/lactating mothers, and 2 crore adolescent girls. Each beneficiary gets hot cooked meals or take-home rations through anganwadi centres.
Rashtriya Vayoshri Yojana 2026 — Free Aids for Senior Citizens | Walking Stick, Wheelchair, Hearing Aid
Rashtriya Vayoshri Yojana (RVY) provides free assisted-living devices (walking sticks, elbow crutches, wheelchairs, hearing aids, spectacles, dentures) to BPL senior citizens aged 60+ years who suffer from age-related disabilities. Devices are distributed at special camps organized by ALIMCO in camps at the district level. 100% funded by Central Government from Senior Citizens Welfare Fund.
PM JANMAN Yojana 2026 — Rs 24,104 Crore for 75 PVTG Tribes, 4.90 Lakh Households | pmjanman.gov.in
PM Particularly Vulnerable Tribal Groups (PVTG) Development Mission — PM JANMAN — was launched by PM Modi on November 15, 2023 (Janjatiya Gaurav Diwas). It targets 75 Particularly Vulnerable Tribal Groups (PVTGs) across 18 states with Rs 24,104 crore outlay to cover 4.90 lakh households. The scheme integrates 11 critical interventions including housing (PMAY-G), road connectivity (PMGSY), telecom, piped water (Jal Jeevan Mission), and health (PM-JAY) specifically for PVTGs.
AB-PMJAY Senior Citizens 70+ Free Health Cover 2026 — ₹5 Lakh Cashless | Vy Vandana Card
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) for Senior Citizens 70+ is a landmark October 2024 expansion of India's flagship health insurance scheme. Every Indian citizen aged 70 years and above gets ₹5 lakh per year cashless health cover at empanelled hospitals — REGARDLESS of income, BPL status, or pre-existing PMJAY enrollment. Families already covered under PMJAY get an additional ₹5 lakh top-up exclusively for senior members. The new Vy Vandana Card (Distinct Senior Card) is issued separately to 70+ citizens. Covers cardiac, cancer, kidney, joint replacement, neurosurgery, ICU, and 1,949+ procedures at 30,000+ hospitals nationwide.
Mission Indradhanush 5.0 (IMI 5.0) 2026 — Free Vaccination for 12 Diseases | Children & Pregnant Women
Intensified Mission Indradhanush 5.0 (IMI 5.0) is India's flagship universal immunization campaign launched in August 2023 under the National Health Mission. It targets 100% full immunization of pregnant women and children aged 0–5 years against 12 vaccine-preventable diseases: tuberculosis (BCG), polio (OPV/IPV), hepatitis B, diphtheria, pertussis, tetanus, Haemophilus influenzae type b, rotavirus, measles, rubella, pneumococcal disease, and Japanese encephalitis (in endemic districts). IMI 5.0 specifically addresses 'zero-dose' children and dropouts identified through digital data systems. The Mission Indradhanush series has so far covered 5.46 crore children and 1.32 crore pregnant women across all districts of India.
PM Bhartiya Janaushadhi Pariyojana (PMBJP) 2026 — Cheap Generic Medicines at 14,000+ Jan Aushadhi Kendras | janaushadhi.gov.in
Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP) makes quality generic medicines available at 50-90% cheaper prices than branded equivalents through Jan Aushadhi Kendras (JAKs). Run by Pharmaceuticals & Medical Devices Bureau of India (PMBI). Over 14,000 Kendras across all districts; sells 2,047+ medicines and 300+ surgical items. The Janaushadhi Suvidha Oxo-Biodegradable Sanitary Napkin is available at just ₹1/pad. Launched 2008 (rebranded 2015). PMBJP saves Indians ₹30,000+ crore annually in healthcare costs.
Janani Suraksha Yojana (JSY) 2026 — ₹600 to ₹1,400 Cash to Pregnant Women for Hospital Delivery | nhm.gov.in
Janani Suraksha Yojana (JSY) is a safe motherhood intervention under the National Health Mission (NHM), launched in 2005 by the Ministry of Health and Family Welfare. It promotes institutional delivery among pregnant women belonging to BPL/SC/ST families and reduces maternal and infant mortality. Cash incentive of ₹1,400 is given to women delivering in rural areas of Low Performing States (LPS: UP, UK, Bihar, Jharkhand, MP, Chhattisgarh, Assam, Odisha, Rajasthan, J&K) and ₹600 in High Performing States (HPS) for rural deliveries. Urban area deliveries get ₹1,000 in LPS and ₹400 in HPS. ASHA workers get ₹600 (LPS rural) or ₹200-400 per case. Over 1 crore beneficiaries annually. Cash paid directly to the mother at the time of delivery or just after discharge.
Janani Shishu Suraksha Karyakaram (JSSK) 2026 — FREE Delivery, Medicines & Transport for Pregnant Women | nhm.gov.in
Janani Shishu Suraksha Karyakaram (JSSK) is a central government initiative under the National Health Mission (NHM) that entitles ALL pregnant women delivering in government health facilities to absolutely FREE and cashless services — including C-section delivery, medicines, diagnostics (blood tests, ultrasound), diet, blood transfusion, and free transport (drop home after discharge). Launched on 1 June 2011, JSSK eliminates out-of-pocket expenses for pregnant women and sick newborns (0-30 days) at all government hospitals — district hospitals, CHCs, PHCs, and sub-centres. Key entitlements: (1) Free normal/C-section delivery; (2) Free medicines and implants; (3) Free diagnostics; (4) Free diet during hospital stay (3 days normal, 7 days C-section); (5) Free blood; (6) Free transport from home to facility and back; (7) Free treatment for sick newborn up to 30 days. Over 1.5 crore beneficiaries annually.
PM Swasthya Suraksha Yojana (PMSSY) 2026 — 22 New AIIMS + Super Specialty Hospitals | mohfw.gov.in
Pradhan Mantri Swasthya Suraksha Yojana (PMSSY) is a central government scheme under the Ministry of Health and Family Welfare aimed at correcting regional imbalances in availability of affordable/reliable tertiary healthcare services in the country. Two main components: (1) Setting up new AIIMS (All India Institute of Medical Sciences) — 22 new AIIMS sanctioned (6 Phase I already established: Bhubaneswar, Bhopal, Patna, Jodhpur, Raipur, Rishikesh; Phase II-VII adding more). (2) Upgradation of Government Medical Colleges (GMCs) — super specialty services in 75 Government Medical Colleges. Budget allocation: ₹14,832 crore (revised). Phase-wise establishment: Phase I (6 AIIMS), Phase II (2 AIIMS), Phase III (3 AIIMS), Phase IV+ adding hospitals. Beneficiaries: All patients — especially those in underserved states (UP, Bihar, MP, Odisha, Chhattisgarh, NE states) who previously had to travel to Delhi/Mumbai for super specialty care. Free OPD at AIIMS. Emergency services free.
PM TB Mukt Bharat Abhiyan 2026 — ₹500/Month Nutrition Support for TB Patients (Ni-kshay Poshan Yojana) | nikshay.in
PM TB Mukt Bharat Abhiyan is India's mission to eliminate Tuberculosis (TB) by 2025 (revised to 2027). Under this, the Ni-kshay Poshan Yojana (NPY) provides ₹500/month direct cash support to all TB patients registered on the Ni-kshay portal for nutritional needs during their treatment. Additionally, Ni-kshay Mitra initiative allows individuals, organisations, and corporates to 'adopt' TB patients and provide nutrition support beyond government amount. NTEP (National TB Elimination Programme) provides free TB diagnosis and free medicines (Anti-TB drugs) at all government health facilities. TB patients also get free chest X-ray and CBNAAT/TrueNat molecular test. Social security benefit: DBT of ₹500/month throughout treatment duration (6 months to 2 years depending on TB type). 25 lakh+ TB patients registered on Ni-kshay. India aims to eliminate TB by 2027 (5 years ahead of global 2030 target).
National AYUSH Mission (NAM) 2026 — Free Ayurveda, Yoga, Unani, Siddha & Homeopathy Services | ayush.gov.in
National AYUSH Mission (NAM) is a Centrally Sponsored Scheme under the Ministry of AYUSH that promotes traditional Indian medicine systems — Ayurveda, Yoga & Naturopathy, Unani, Siddha, Sowa-Rigpa, and Homeopathy (AYUSH) — across India. Key components: (1) AYUSH hospitals and dispensaries — over 27,000 AYUSH dispensaries and 4,000+ hospitals operational with free medicines; (2) Ayushman Bharat Health and Wellness Centres (HWCs) integrating AYUSH services; (3) AYUSH education institutions development; (4) Quality and standardisation of AYUSH drugs; (5) AYUSH mainstreaming in PHC/CHC. Citizens benefit: Free OPD consultation, free Ayurvedic/Homeopathic/Unani medicines at government AYUSH centres, yoga sessions, panchakarma at empanelled centres. Budget: ₹4,607 crore (2021-26). 50 Wellness Centres for yoga in every district under AYUSH Wellness Centres programme.
Rashtriya Bal Swasthya Karyakaram (RBSK) 2026 — FREE Health Screening & Treatment for Children 0-18 | nhm.gov.in
Rashtriya Bal Swasthya Karyakaram (RBSK) is a national child health screening and early intervention programme under the National Health Mission (NHM) launched in 2013. RBSK covers ALL children from birth to 18 years — including newborns (0-6 weeks), Anganwadi children (6 weeks-6 years), and school children (6-18 years) — for FREE health screening across 4D categories: Defects at birth, Diseases, Deficiencies, and Developmental delays including disabilities. 30 health conditions are screened including Congenital Heart Disease (CHD), club foot, cleft lip, cataracts, sickle cell disease, hearing impairment, vision defects, dental issues, anaemia, growth stunting, and more. Mobile Health Teams (MHTs) — 2 doctors/AYUSH practitioners, 4 ANMs/staff nurses — visit schools and Anganwadis. If a condition is detected, children are referred to District Early Intervention Centres (DEIC) for FREE treatment, including surgery if needed (funded by NHM). Over 10 crore children screened annually.
🏠 Housing Schemes
View All →PM Awas Yojana 2025 — Pradhan Mantri Awas Yojana
Pradhan Mantri Awas Yojana provides financial assistance for construction of pucca houses to homeless and kutcha house-dwelling families in rural and urban areas.
PMAY Urban 2.0 (2024) — Rs 2.30 Lakh Subsidy + 1 Crore New Urban Houses | pmaymis.gov.in
Pradhan Mantri Awas Yojana Urban 2.0 (PMAY-U 2.0) was launched in August 2024 to build 1 crore affordable houses for urban poor and middle-class families over 5 years (2024-29) with a total outlay of Rs 10 lakh crore. The scheme provides interest subsidy (Credit Linked Subsidy Scheme — CLSS) up to Rs 2.30 lakh on home loans, beneficiary-led construction (BLC) assistance, and affordable housing in partnership. EWS/LIG/MIG families with annual income up to Rs 18 lakh are eligible.
💼 Employment Schemes
View All →PM Vishwakarma Yojana 2026 — ₹3 Lakh Loan + ₹15,000 Toolkit for 18 Trades | pmvishwakarma.gov.in
PM Vishwakarma Yojana is a central government scheme launched on 17 September 2023 that supports traditional artisans and craftspeople across 18 trades with free skill training (₹500/day stipend), a ₹15,000 toolkit e-voucher, and collateral-free loans up to ₹3 lakh at just 5% interest. Implemented by the Ministry of MSME with a ₹13,000 crore budget over 5 years (FY2023-24 to FY2027-28). Registration is done FREE at Common Service Centres (CSC) using Aadhaar biometric authentication.
Stand Up India Scheme 2026 — ₹10 Lakh to ₹1 Crore Loan | SC/ST & Women Entrepreneurs
Stand Up India facilitates bank loans between Rs.10 lakh and Rs.1 crore to at least one SC or ST borrower and one woman borrower per bank branch for setting up new greenfield enterprises. Over 2.37 lakh accounts sanctioned worth Rs.55,000 crore since 2016. 7-year repayment period with 18-month moratorium. Apply at standupmitra.in.
PMEGP 2026 — 15–35% Subsidy | Rs.50 Lakh Loan | PM Employment Generation Programme
Prime Minister Employment Generation Programme (PMEGP) provides government subsidy of 15 to 35% on project costs to set up micro-enterprises. Manufacturing sector: up to Rs.50 lakh project cost. Service sector: up to Rs.20 lakh. SC/ST/Women/NE region get 35% subsidy vs 15% for General urban. Implemented by KVIC through banks. Over 9.67 lakh units established creating 77 lakh+ jobs since 2008.
E-Shram Card 2026 — Free Registration for Unorganized Workers
E-Shram is a national database for unorganized sector workers providing a Universal Account Number (UAN) card, ₹2 lakh accident insurance, and priority access to 12 government welfare schemes.
Agniveer Scheme 2026 — Agnipath Defence Recruitment, Salary & Seva Nidhi
The Agniveer Scheme, launched under the Agnipath programme in 2022, recruits Indian youth aged 17.5 to 21 years for a 4-year short-service commission in the Indian Army, Navy, or Air Force. Agniveers receive a monthly salary starting at Rs.30,000 (rising to Rs.40,000 in the 4th year) plus risk and hardship allowances. On completion of 4 years, they receive a tax-free Seva Nidhi package of Rs.11.71 lakh (their contribution matched by the government with interest). Up to 25% of each batch is offered permanent enrolment in the regular armed forces based on merit and performance. Agniveers also receive priority in central paramilitary forces (CRPF, CISF, BSF) and several state police recruitment drives.
MGNREGA / NREGA Job Card 2026 — 100 दिन काम की गारंटी, ₹267/दिन मजदूरी
Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) guarantees 100 days of wage employment per year to every rural household in India. Workers receive ₹267/day (minimum wage varies by state) directly to their bank accounts. With over 15 crore active Job Card holders, MGNREGA is the world's largest employment guarantee programme.
PM Internship Scheme 2026 — ₹9,000/Month Stipend | 1 Crore Youth | pminternship.mca.gov.in
PM Internship Scheme is a flagship Government of India initiative launched in 2024 that places 1 crore young Indians (aged 21–24) in 12-month paid internships at top 500 companies across sectors. Interns receive ₹9,000/month stipend (₹6,000 from government + ₹3,000+ from company CSR), ₹6,000 one-time travel grant, and ₹2 lakh accident insurance under PM Jeevan Jyoti Bima Yojana.
PM Kaushal Vikas Yojana 4.0 — 2026 Free Skill Training + ₹8,000 Certificate | PMKVY
PM Kaushal Vikas Yojana 4.0 (PMKVY 4.0) is the fourth phase of India's flagship skill training programme launched in 2022. It provides free short-term skill training in 220+ job roles across industry sectors to 1 crore youth. Trainees receive a National Skill Qualification Framework (NSQF)-linked certificate, ₹8,000 completion bonus, and placement support through top companies.
PM DAKSH Yojana 2026 — Free Skill Training for SC/ST/OBC/Minorities | ₹3,000 Stipend
PM DAKSH (Pradhan Mantri Dakshata Aur Kushalta Sampann Hitgrahi) Yojana provides free short-term and long-term skill training to Scheduled Castes, Scheduled Tribes, OBCs, EBCs, DNTs, and Minorities. Trainees receive ₹1,000–₹3,000 monthly stipend during training, placement support, and industry-recognized certification. Apply at pmdaksh.dosje.gov.in.
DAY-NULM Urban Livelihoods Mission 2026 — ₹2 Lakh Self-Employment Loan | Urban Poor | aajeevika.gov.in
Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM) supports urban poor and street vendors through Self-Employment Programme (SEP): individual loans up to ₹2 lakh at 7% interest, SHG loans, skill training, and shelter for urban homeless. Urban street vendors registered under PM SVANidhi also fall under NULM framework.
Startup India Scheme 2026 — Tax Exemption + ₹10 Crore Funding | Fund of Funds | startupindia.gov.in
Startup India is Government of India's flagship initiative to build a strong startup ecosystem. Recognized startups get: 3-year income tax exemption (80-IAC), 80% rebate on patent fees, government procurement without prior experience requirement, self-certification under 9 labour laws, and access to Fund of Funds (FFS) of ₹10,000 crore. Register at startupindia.gov.in to get DPIIT recognition certificate.
DDU-GKY 2026 — Free Residential Skill Training + Placement for Rural Youth | ddugky.gov.in
Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY) provides free residential skill training to rural youth from poor families (aged 15-35) and places them in jobs paying minimum ₹10,000/month. It is funded by Ministry of Rural Development and covers food, accommodation, and training costs. Focus on SC/ST/minorities/women — 50% of training must be for these categories.
PMRPY – PM Rojgar Protsahan Yojana 2026 — 12% EPF Employer Share Paid by Govt for 3 Years
Pradhan Mantri Rojgar Protsahan Yojana (PMRPY) incentivises employers to create new jobs by paying the employer's full 12% EPF contribution for 3 years for each new employee (earning up to ₹15,000/month). This reduces the cost of hiring, especially for MSMEs and factories. Over 1.52 crore beneficiaries and 1.74 lakh establishments benefited since launch.
NAPS – National Apprenticeship Promotion Scheme 2026 — ₹1,500/Month Stipend Share | apprenticeshipindia.org
National Apprenticeship Promotion Scheme (NAPS) promotes apprenticeship training by sharing 25% of the prescribed stipend (up to ₹1,500/month) with employers who engage apprentices. The scheme covers all designated trades and optional trades under Apprentices Act. Over 50 lakh apprentices trained since launch. Apply at apprenticeshipindia.org as student or employer.
Gig & Platform Workers Social Security Scheme 2025 — PM-JAY + e-Shram Benefits for 1 Crore Workers | eshramnidhi.nic.in
The Gig and Platform Workers Social Security Scheme is India's Budget 2025-26 flagship initiative to extend formal social security to an estimated 1 crore gig and platform workers (Ola/Uber drivers, Swiggy/Zomato delivery partners, Urban Company workers, etc.) who were previously excluded from any welfare net. The scheme extends PM-JAY health insurance (₹5 lakh/year) and e-Shram accident insurance (₹2 lakh) to all registered gig workers through the e-Shram portal. Additionally, aggregator platforms (Ola, Uber, Swiggy, Zomato) are required to contribute 1-2% of their platform fees to a Gig Workers Welfare Fund. India is among the first countries to legislate social security for gig workers at this scale.
NATS — National Apprenticeship Training Scheme 2026 — Stipend for Diploma & Degree Graduates | nats.education.gov.in
National Apprenticeship Training Scheme (NATS) is India's government scheme providing on-the-job training to diploma and degree graduates in government and private establishments, with a monthly stipend of ₹3,542–₹9,000 depending on qualification and establishment type. Administered by the Board of Apprenticeship Training (BOAT) under the Ministry of Education, NATS is distinct from NAPS (National Apprenticeship Promotion Scheme under Labour Ministry which covers ITI/vocational). NATS specifically targets engineering diploma holders and graduate engineers for 1-year structured training at India's top public sector undertakings (PSUs) and private companies. Over 5.23 lakh apprentices were engaged in FY2024-25. The scheme is mandatory for establishments with 30+ employees to engage apprentices.
PM SVANidhi 2.0 — Rs 10,000-50,000 Loan to 60 Lakh Street Vendors | pmsvanidhi.mohua.gov.in
PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi) provides affordable working capital loans to street vendors. Extended as PM SVANidhi 2.0, the scheme offers: 1st loan Rs 10,000, 2nd loan Rs 20,000, 3rd loan Rs 50,000 — all with 7% interest subsidy. Vendors who repay on time and use digital transactions get 1% cashback. Over 60 lakh loans sanctioned. Ministry of Housing and Urban Affairs implements via ULBs and microfinance institutions.
Bima Sakhi Yojana 2026 — LIC Women Agent ₹7,000/Month Stipend | bima sakhi lic
Bima Sakhi Yojana is a Life Insurance Corporation (LIC) scheme launched by PM Modi in December 2024 to empower rural and semi-urban women as LIC insurance agents. Enrolled women receive a monthly stipend of ₹7,000 (Year 1), ₹6,000 (Year 2), and ₹5,000 (Year 3) in addition to commission income from policies sold. After the 3-year period, they continue as full LIC agents earning commissions. The scheme targets 2 lakh women over 3 years and provides IRDAI agent licensing and free training.
PM MITRA Mega Textile Parks 2026 — 7 Mega Parks | ₹4,445 Crore | Manufacturing Jobs for Lakhs
Pradhan Mantri Mega Integrated Textile Region and Apparel (PM MITRA) is a flagship scheme to develop 7 mega textile parks across India with a total outlay of ₹4,445 crore (2021–2028). The 7 parks are located in: Virudhunagar (Tamil Nadu), Warangal (Telangana), Navsari (Gujarat), Kalaburagi (Karnataka), Dhar (Madhya Pradesh), Lucknow (Uttar Pradesh), and Amravati (Maharashtra). Each park has world-class plug-and-play infrastructure for spinning, weaving, processing, dyeing, printing, and garment manufacturing in one location. PM MITRA aims to create 20 lakh direct and 70 lakh indirect jobs, attract Rs 70,000 crore in investment, and boost textile exports.
Rural Prosperity & Resilience Programme 2026 — Budget 2025 Flagship | Address Rural Underemployment
The Rural Prosperity and Resilience Programme is a major Budget 2025 (February 2025) initiative to address rural underemployment in agriculture through skilling, entrepreneurship, agri-investment, and rural infrastructure. The programme has a multi-sectoral approach focused on: (1) Skilling for young rural workers, women, and small/marginal farmers; (2) Entrepreneurship development for rural startups and FPOs; (3) Investment in agri-value chains, food processing, and rural infrastructure; (4) Rural-urban migration pause through local livelihood creation. Phase 1 focuses on 100 priority districts identified for high under-employment. Implemented in convergence with PMKVY, DAY-NRLM, PMEGP, and Make-in-India.
Mission Karmayogi 2026 — National Programme for Civil Services Capacity Building | iGOT Karmayogi Platform
Mission Karmayogi — formally the National Programme for Civil Services Capacity Building (NPCSCB) — was approved by the Cabinet in September 2020 to comprehensively reform Indian civil services training and capacity building. The mission targets all 4.6+ million central government employees with role-based, competency-driven, citizen-centric capacity building. The iGOT Karmayogi (Integrated Government Online Training) digital platform offers thousands of online courses for civil servants. Five core principles: (1) Rule-based to Role-based; (2) Behavioural + Functional + Domain competencies; (3) Anytime-anywhere learning; (4) On-demand training; (5) Vocation-based individualised pathway. The Karmayogi Bharat SPV (Special Purpose Vehicle) operates the platform. The Capacity Building Commission (CBC) provides strategic oversight.
Skill India Digital Hub 2026 — Free Online Skilling Platform | Education + Employment Aggregator
Skill India Digital Hub (SIDH) is a comprehensive digital platform launched in September 2023 by the Ministry of Skill Development & Entrepreneurship (MSDE). SIDH aggregates skill development, education, employment, and entrepreneurship opportunities in one place. Users can: (1) Access 7,500+ free courses across PMKVY, NCS, and partner platforms; (2) Get personalised skill recommendations using AI; (3) Find job and apprenticeship opportunities via NCS integration; (4) Receive digital skill certificates (NCVET-verified); (5) Apply for entrepreneurship and self-employment loans. SIDH is the ONE-STOP SHOP for skill seekers, integrating PMKVY, NAPS, NATS, NCS, DDU-GKY, eKaushal, ASEEM, and other government skill initiatives.
Apna CSC 2026 — Common Service Centres | 5 Lakh+ Digital Service Outlets | VLE Registration
Common Service Centres (CSC) is one of India's largest digital service delivery networks, operated by the CSC e-Governance Services India Limited under the Ministry of Electronics and Information Technology (MeitY). With over 5 lakh CSCs across rural and urban India, the scheme delivers 400+ government and private digital services at the village level — Aadhaar enrollment, PAN card, passport, banking, insurance, telemedicine, education, e-courts, FASTag, and more. Village Level Entrepreneurs (VLEs) operate CSCs and earn commission on every transaction. CSC reach: 2.5+ lakh Gram Panchayats covered. Apna CSC mobile app and apnacsc.in allows VLE registration, service catalog access, and earnings tracking.
Atmanirbhar Bharat Rojgar Yojana (ABRY) 2026 — EPF Contribution Support for New Employees | Establishment Scheme
Atmanirbhar Bharat Rojgar Yojana (ABRY) is a flagship employment generation scheme launched October 2020 to incentivise hiring of new employees post-COVID. The Government of India pays employer + employee EPF contributions (24% of wages) for 2 years for new employees earning up to ₹15,000/month, hired by establishments registered with EPFO. ABRY-1 ended March 2022; ABRY-2 extended till March 2024 covering 60+ lakh new employees. ABRY-3 (relaunched 2024) is currently active for new establishments. Implemented by Employees' Provident Fund Organisation (EPFO).
Make in India 2026 — Manufacturing Investment Push | PLI Schemes for 14 Sectors | makeinindia.com
Make in India is the Government of India's flagship initiative launched 25 September 2014 to transform India into a global manufacturing hub. Focuses on 25 sectors including: automobiles, aerospace, biotechnology, chemicals, defence, electronics, food processing, IT/BPM, leather, pharmaceuticals, ports, railways, renewable energy, roads, space, textiles, tourism, wellness. Augmented by Production Linked Incentive (PLI) Schemes for 14 sectors with ₹1.97 lakh crore outlay (2021-2027) — providing 4-6% incentive on incremental production to companies meeting investment + production thresholds.
National Career Service (NCS) Portal 2026 — Free Job Registration, Skill Training & Career Guidance | ncs.gov.in
National Career Service (NCS) Portal (ncs.gov.in) is India's largest online employment exchange and career development platform, launched in 2015 by the Ministry of Labour and Employment. It connects job seekers with employers, provides career counselling, skill development courses, apprenticeship opportunities, and internships — all FREE of cost. Over 1.4 crore registered job seekers, 2 lakh+ employers, and 20 lakh+ job vacancies listed. NCS also integrates with state employment exchanges, making registration valid across all states. Key features: Universal Account Number (UAN) for portability, Model Career Centres in districts, career counselling by trained counsellors, and skill gap assessment. Special focus on youth (18-35 years), women, PwD, and ex-servicemen. NCS Job Fair (Rozgar Mela) organised regularly. Integration with PM Internship Scheme 2026.
👩 Women Schemes
View All →PM Ujjwala Yojana 2.0 — Free LPG Connection
Pradhan Mantri Ujjwala Yojana provides free LPG gas connections to women from below poverty line households to replace unhealthy cooking fuel usage.
Sukanya Samriddhi Yojana 2026 — 8.2% Interest Girl Child Savings Scheme
Sukanya Samriddhi Yojana is a government-backed savings scheme for girl children offering one of the highest fixed interest rates (8.2% p.a.) with full tax exemption under Section 80C. Minimum deposit just Rs.250/year; maximum Rs.1.5 lakh/year. Account matures 21 years from opening or at marriage after age 18.
Beti Bachao Beti Padhao Yojana 2026 — Girl Child Education & Welfare Scheme
Beti Bachao Beti Padhao (BBBP) is a national mission launched in 2015 to address India's declining child sex ratio (CSR) and ensure the survival, protection, education, and empowerment of the girl child. The scheme operates across all 640 districts with a multi-ministry approach involving Women and Child Development, Health, and Education. Key interventions include community awareness campaigns against sex-selective abortion, free education support for girl students under the Sukanya Samriddhi and Udaan programmes, and Anganwadi-based health support. Financial incentives like Sukanya Samriddhi Yojana accounts are linked to BBBP to encourage families to invest in their daughters' future.
Pradhan Mantri Matru Vandana Yojana (PMMVY) 2025
PMMVY provides Rs.5,000 cash incentive to pregnant and lactating women for the first living child to partially compensate for wage loss and encourage institutional delivery and proper nutrition.
DAY-NRLM Ajeevika 2026 — Self Help Group Loan ₹3 Lakh | aajeevika.gov.in
Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM) organises rural poor women into Self Help Groups (SHGs) and provides them access to bank credit, livelihood support, and social mobilisation. SHGs get revolving fund of ₹15,000, Community Investment Fund up to ₹2.5 lakh, and bank loans up to ₹3 lakh at subsidised rates.
Mission Vatsalya 2026 — Child Welfare & Protection | Child Care Institutions + Sponsorship ₹4,000/Month
Mission Vatsalya is the umbrella child protection and welfare scheme of the Government of India launched in 2021-22 (replacing earlier ICPS). It ensures every child lives in a safe and nurturing environment. Key benefits: Sponsorship Scheme (₹4,000/month for vulnerable children), Foster Care Support, Child Care Institutions (CCIs) for orphans and abandoned children, and After Care (₹2,000/month for youth aged 18-21 leaving CCIs).
Lakhpati Didi Yojana 2026 — 3 Crore Women SHG Members Earn ₹1 Lakh+/Year | Free Skill Training
Lakhpati Didi Yojana is the Government of India's ambitious initiative to make 3 crore women SHG (Self Help Group) members earn ₹1 lakh or more per year through skill development, micro-enterprise support, and livelihood enhancement. Announced by PM Modi in 2023, it provides free skill training in LED bulb making, plumbing, drone repair, solar panel installation, and other high-demand trades. Drone Didi is a subset of this initiative.
Namo Drone Didi 2026 — 15,000 Women SHG Drones | Agricultural Spraying | ₹8 Lakh Subsidy
Namo Drone Didi is a Government of India scheme to provide 15,000 agricultural drones to women SHG (Self Help Group) clusters for crop spraying and agri-services. Each SHG cluster (10-15 SHGs) gets a drone with 80% subsidy (up to ₹8 lakh), free training for the woman pilot, and a guaranteed income of ₹1 lakh/year from drone rental services to farmers in their area.
Mission Shakti 2026 — One Stop Centre + Nirbhaya Fund + Ujjwala | WCD Women Safety Umbrella Scheme
Mission Shakti is the Ministry of Women and Child Development's flagship umbrella scheme for the safety, security, and empowerment of women. Launched in 2021-22, it consolidates multiple women safety schemes into two sub-schemes: SAMBAL (safety/support) and SAMARTHYA (empowerment). SAMBAL covers: One Stop Centres (OSC) — 733+ centres for distress women; 181 women helpline; PM Matru Vandana Yojana maternity benefit; Swadhar Greh (shelter homes). SAMARTHYA covers: Beti Bachao Beti Padhao; Ujjwala anti-trafficking; Nari Adalats. Nirbhaya Fund projects also channelled through Mission Shakti.
One Stop Centre (OSC) Sakhi 2026 — Free Support for Women in Distress | wcdhry.gov.in
One Stop Centre (OSC) Sakhi is a centrally-sponsored scheme under the Ministry of Women and Child Development that provides integrated support and assistance to women affected by violence — domestic violence, sexual assault, acid attacks, trafficking, honour crimes, and more. OSCs (called 'Sakhi' centres) provide under one roof: emergency response, medical assistance, legal aid, psychological counselling, temporary shelter (up to 5 days), and police facilitation. There are 800+ OSCs operational across all districts of India. Helpline: 181 (free 24x7). Women can also call 112 (police emergency). OSCs are co-located with hospitals for easy access. Services are completely FREE. The scheme covers all women — regardless of religion, caste, age, or marital status. NRI women in distress also covered. Budget: ₹750 crore from Nirbhaya Fund. Services available 24x7.
Nirbhaya Fund 2026 — ₹10,000 Crore Women Safety Initiative | wcd.nic.in
Nirbhaya Fund is a non-lapsable corpus of ₹10,000 crore set up by the Government of India in 2013 (post the December 2012 Delhi gang-rape case) to fund projects and schemes for the safety and dignity of women. The fund is not a direct-benefit scheme — it finances government-run safety infrastructure. Projects funded under Nirbhaya Fund include: One Stop Centres (OSC Sakhi) — 800+ crisis support centres; Emergency Response Support System (ERSS) — Dial 112; Safe City projects in 8 cities; CCTV cameras in public transport; Women Helpline 181; Criminal Law Amendment; Fast Track Courts for sexual assault; Central Victim Compensation Fund (CVCF). Citizens benefit indirectly — through better safety infrastructure, faster courts, and direct services like OSC (free shelter + legal aid) and Women Helpline 181.
Mahila Shakti Kendra (MSK) 2026 — Block-Level Women Empowerment Centres | wcd.nic.in
Mahila Shakti Kendra (MSK) is a centrally sponsored scheme under the Ministry of Women and Child Development launched in 2017 as part of the umbrella Mission Shakti. MSKs provide a one-stop convergence point for women in rural areas — connecting them to government schemes, skills training, health services, legal aid, digital literacy, and market linkage. MSKs operate at three levels: National/State level (Knowledge Centres at NIPCCD/SIRDs), District level (Women Resource Centres at 640 aspirational/backward districts), and Block level (community mobilisation through 920 blocks). Student volunteers engage with village communities. Key services: Awareness of government schemes (PMJDY, PM Ujjwala, PM Awas), skill training referral, registration for welfare schemes, counselling, health camps. Budget: ₹972 crore (2017-22, extended to 2025-26).
Working Women Hostel Scheme 2026 — Subsidised Safe Hostel for Working Women | wcd.nic.in
Working Women Hostel Scheme is a central government scheme under the Ministry of Women and Child Development that promotes construction and expansion of hostels for working women (including widows) living away from home in urban, semi-urban, and rural areas. The scheme provides grant assistance to NGOs, cooperative societies, state governments, municipal bodies, and state housing boards for building/expanding Working Women Hostels. Grant: up to 75% of project cost (max ₹60 lakh for new hostel) or up to 60% for expansion. Each hostel must have at least 50 rooms. Facilities mandated: crèche (day care) for children up to 5 years of residents, common area, security, mess. Rent subsidy: women with income ≤ ₹50,000/month can stay; those with income ≤ ₹20,000/month may get priority. Hostel managed by the grantee organisation. Over 900 operational hostels across India. To find nearest hostel: contact State WCD department.
National Crèche Scheme 2026 — Free Day Care for Children of Working Mothers | wcd.nic.in
National Crèche Scheme (NCS) is a central government programme under the Ministry of Women and Child Development that provides day-care facilities (crèches) for children aged 6 months to 6 years of working mothers — including daily wage earners, construction workers, domestic workers, farmers, and other women in employment. Crèches are run by NGOs, civil society organisations, and self-help groups with central funding. Services at each crèche: day care, supplementary nutrition, health check-ups, immunisation, pre-school education, recreational activities. Monthly parent contribution: ₹20/child (BPL) or ₹100/child (non-BPL). Government pays ₹5,000-8,000 per crèche per month to the operating organisation. Over 9,000 crèches operational covering 1.35 lakh children. In 2023, the scheme was revised under 'Mission Shakti — Supporting Urban, Rural and Sub-urban Working Women with a Child Care Facility (SUWC)' name with enhanced funding.
💰 Finance Schemes
View All →PM Suraksha Bima Yojana — ₹2 Lakh Accident Insurance
PMSBY provides accidental death and disability insurance cover of ₹2 lakh for just ₹20 per year, renewable annually through bank auto-debit.
PM Mudra Yojana 2026 — Collateral-Free Business Loan ₹50K to ₹20 Lakh
Pradhan Mantri Mudra Yojana offers collateral-free business loans to micro and small enterprises under four categories: Shishu (up to ₹50,000), Kishore (₹50,001–₹5 lakh), Tarun (₹5 lakh–₹10 lakh), and Tarun Plus (₹10 lakh–₹20 lakh, launched 2024 for repeat Tarun borrowers). Over 52 crore loans sanctioned worth ₹27 lakh crore since 2015.
Atal Pension Yojana 2026 — Guaranteed ₹1,000–₹5,000 Monthly Pension | APY Registration
Atal Pension Yojana provides a guaranteed monthly pension of Rs.1,000 to Rs.5,000 after age 60 to unorganized sector workers. Over 7 crore subscribers enrolled. Small monthly contributions from age 18 ensure a dignified retirement income. Contributions also qualify for Section 80CCD(1B) tax deduction up to Rs.50,000.
PM Jeevan Jyoti Bima Yojana 2026 — Rs.2 Lakh Life Insurance at Rs.436/Year
PM Jeevan Jyoti Bima Yojana (PMJJBY) is a government-backed renewable term life insurance scheme that offers Rs.2 lakh death cover for any cause at just Rs.436 per year. The premium is automatically debited from the subscriber's savings bank account every year between 25 May and 31 May. Launched in 2015 under Pradhan Mantri Jan Suraksha Yojana, the scheme is available to all bank account holders aged 18 to 50 years and is administered through partner public and private sector banks.
PM Jan Dhan Yojana 2026 — Zero Balance Bank Account + ₹2 Lakh Insurance
Pradhan Mantri Jan Dhan Yojana (PMJDY) is India's largest financial inclusion scheme with 56+ crore accounts. Any Indian citizen can open a zero-balance savings account with free RuPay debit card, ₹2 lakh accident insurance, ₹30,000 life insurance, and ₹10,000 overdraft facility.
PM Swamitva Yojana 2026 — Village Property Card | Drone Survey | ₹5 Lakh Loan Collateral
PM Swamitva Yojana (Survey of Villages Abadi and Mapping with Improvised Technology in Village Areas) provides legal property rights to village household owners through drone-based survey. Villagers get a Property Card (Adhikar Patra) which can be used as collateral for bank loans up to ₹5 lakh. Launched in 2020, covering 6 lakh+ villages across India.
PPF – Public Provident Fund 2026 — 7.1% Interest | Tax-Free ₹1.5 Lakh/Year | 15-Year Lock
Public Provident Fund (PPF) is India's most popular long-term savings scheme backed by the Government of India with guaranteed returns. Invest ₹500 to ₹1.5 lakh per year and earn 7.1% interest (compounded annually) — completely tax-free under Section 80C and Section 10. Maturity period is 15 years (extendable). Account can be opened at any post office or nationalised bank.
NPS – National Pension System 2026 — Market-Linked Pension + 80CCD Tax Benefit ₹2 Lakh
National Pension System (NPS) is a voluntary, contributory pension scheme regulated by PFRDA (Pension Fund Regulatory and Development Authority). Open to all Indian citizens aged 18–70. Invest in market-linked pension funds and receive a monthly pension after age 60. NPS offers additional tax deduction of ₹50,000 under Section 80CCD(1B) over and above the ₹1.5 lakh 80C limit.
SCSS – Senior Citizen Savings Scheme 2026 — 8.2% Interest | ₹30 Lakh Maximum | Post Office
Senior Citizen Savings Scheme (SCSS) is a government-backed savings scheme specifically for senior citizens (60+ years) offering the highest guaranteed interest rate among all small savings schemes — 8.2% per annum (paid quarterly). Maximum deposit ₹30 lakh per person. Backed by Government of India, completely safe. Available at all post offices and select banks.
PM Vaya Vandana Yojana (PMVVY) 2026 — Guaranteed 7.4% Pension for Senior Citizens via LIC | licindia.in
Pradhan Mantri Vaya Vandana Yojana (PMVVY) is a government-backed pension scheme exclusively for senior citizens aged 60 years and above, administered by LIC of India. PMVVY provides guaranteed pension income at 7.4% per annum for 10 years — payable monthly, quarterly, half-yearly, or annually — regardless of market conditions. Launched by PM Modi in 2017 and extended in subsequent phases, it allows investment of up to ₹15 lakh per senior citizen (₹30 lakh per couple), giving a maximum monthly pension of ₹9,250 per month. After 10 years, the full purchase price is returned to the investor or to their nominee on death. In case of critical illness, premature exit is permitted with 98% of purchase price returned.
Biopharma SHAKTI Mission India 2026 — ₹10,000 Crore Biotech & Pharma Boost | birac.nic.in
Biopharma SHAKTI (Synergizing Healthcare, Advancement, Knowledge, Technology and Innovation) is a new ₹10,000 crore flagship mission announced in Union Budget 2026-27 to position India as a global biotech and biopharma leader. The mission focuses on accelerating vaccine development, biologics manufacturing, biosimilar production, and genomics research. It builds on India's existing Biotechnology Industry Research Assistance Council (BIRAC) infrastructure and the Ayushman Bharat Health Infrastructure Mission. The scheme provides grants, equity support, and subsidised loans to biotech startups, MSMEs, and large pharma companies investing in next-generation biologics, mRNA platforms, cell and gene therapy, and precision medicine. India's pharma industry — valued at $65 billion — is already the world's 3rd largest by volume; Biopharma SHAKTI targets making it #1 by 2030.
NSAP Pension Scheme 2026 — Rs 200-500/Month to 3.5 Crore Elderly, Widows, Disabled | nsap.nic.in
National Social Assistance Programme (NSAP) is a flagship central social protection scheme providing monthly cash pensions to elderly (60+), widows, and persons with disabilities below the poverty line. Components: Indira Gandhi National Old Age Pension Scheme (IGNOAPS) — Rs 200/month (60-79 yrs), Rs 500/month (80+ yrs); Indira Gandhi National Widow Pension Scheme (IGNWPS) — Rs 300/month; Indira Gandhi National Disability Pension Scheme (IGNDPS) — Rs 300/month; Annapurna — 10 kg free grain. Over 3.5 crore beneficiaries annually. States often top up the central component.
NPS Vatsalya 2026 — Pension for Children | National Pension System for Minors
NPS Vatsalya is a dedicated National Pension System account for minors, launched in September 2024. Parents or legal guardians open and manage the account on behalf of a child below 18 years. A minimum annual contribution of ₹1,000 is required with no upper limit. On reaching 18, the NPS Vatsalya account seamlessly converts into a standard NPS Tier-I account, giving the young adult a head start on long-term retirement savings. Partial withdrawals (up to 25% of contributions, maximum 3 times) are allowed for education, medical treatment, or disability before the minor turns 18.
Unified Pension Scheme (UPS) 2025 — 50% Assured Pension for Central Govt Employees
The Unified Pension Scheme (UPS) is a central government pension reform approved by Cabinet in August 2024 and implemented from April 1, 2025. It offers central government employees currently under NPS (National Pension System) an assured pension of 50% of the average basic pay drawn over the last 12 months before superannuation, after completing 25 years of service. A minimum pension of ₹10,000/month is guaranteed for those with 10+ years of service. The family pension is 60% of the employee's pension amount. Pension is indexed to inflation through Dearness Allowance.
PM-CARES Fund 2026 — Prime Minister's Citizen Assistance & Relief in Emergency Situations | pmcares.gov.in
PM-CARES Fund (Prime Minister's Citizen Assistance and Relief in Emergency Situations) is a public charitable trust established on 27 March 2020 to receive donations for disaster relief, public health emergencies, and welfare measures. It is governed by a Board of Trustees chaired by the Prime Minister, with the Defence, Home, and Finance Ministers as ex-officio trustees. Donations qualify for 100% tax deduction under Section 80G of the Income Tax Act and are exempt from FCRA restrictions for foreign donations. PM-CARES has funded COVID-19 ventilators, oxygen plants, vaccine R&D, migrant relief, and education (PM-CARES for Children — separate scheme). Donations via pmcares.gov.in, online banking, UPI, debit/credit cards, NEFT/RTGS.
PM Shram Yogi Maandhan (PM-SYM) 2026 — ₹3,000/Month Pension for Unorganised Workers | maandhan.in
Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) is the flagship pension scheme for India's unorganised sector workers — street vendors, rickshaw pullers, domestic workers, construction labourers, agriculture labourers, hawkers, and home-based workers. Launched February 2019. Workers aged 18-40 with monthly income ≤ ₹15,000 contribute ₹55-₹200/month (based on entry age) and the Government of India matches the contribution on 1:1 basis. After age 60, beneficiaries receive a guaranteed monthly pension of ₹3,000 for life. 50+ lakh subscribers enrolled. Enroll at maandhan.in or any CSC.
One Rank One Pension (OROP) 2026 — Defence Pensioners Equal Pension by Rank | Latest OROP-3 Revision
One Rank One Pension (OROP) is the landmark Government of India scheme ensuring that defence personnel of the SAME RANK retiring with SAME LENGTH OF SERVICE get the SAME PENSION, regardless of retirement date. Approved November 2015 (effective from 1 July 2014). Periodically revised every 5 years. OROP-2 revision (Jan 2022) covered pensions till 1 July 2019. The Defence Ministry has approved further revision (OROP-3) effective from 1 July 2024, benefiting over 25 lakh ex-servicemen, war widows, and disabled soldiers. Pension arrears for OROP-3 are being disbursed through the SPARSH (System for Pension Administration RAKSHA) portal.
NPS-Lite Swavalamban 2026 — Pension Scheme for Unorganised Workers | npscra.nsdl.co.in
NPS-Lite (Swavalamban) is the simplified National Pension System for unorganised sector workers and low-income groups. Launched 2010. Subscribers contribute ₹100 to ₹12,000 annually. The Government of India contributed ₹1,000 annually to each subscriber's pension account from 2010-2017 (now closed for new subscriptions but existing subscribers continue). NPS-Lite has been gradually superseded by Atal Pension Yojana (APY) and PM-SYM. Existing NPS-Lite subscribers can: (a) continue NPS-Lite, (b) migrate to APY/PM-SYM. Operated by PFRDA through aggregators.
CGTMSE Credit Guarantee Scheme 2026 — ₹5 Crore Collateral-Free MSME Loan Guarantee | cgtmse.in
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is the backbone of collateral-free lending to MSMEs in India. It guarantees loans up to ₹5 crore from member banks and financial institutions to micro and small enterprises — without any collateral or third-party guarantee. CGTMSE covers 75-85% of the loan amount (up to 85% for micro enterprises, women entrepreneurs, NER/hilly states). The trust was set up jointly by the Ministry of MSME and SIDBI in 2000. Annual guarantee fee: 0.25-2.0% of the loan amount (subsidised for micro/women). Over 60 lakh guarantees issued worth ₹5 lakh crore+. Member Lending Institutions (MLIs): 130+ banks/NBFCs including PSBs, private banks, RRBs, SFBs, NBFCs. The borrower applies through the bank; the bank applies to CGTMSE for guarantee. New: CGTMSE 2.0 with enhanced limits.
Indira Gandhi National Widow Pension Scheme (IGNWPS) 2026 — ₹300-2,000/Month Widow Pension | nsap.nic.in
Indira Gandhi National Widow Pension Scheme (IGNWPS) is a sub-scheme under the National Social Assistance Programme (NSAP), providing monthly pension to widows from BPL households. Central government contribution: ₹300/month (age 40-79) and ₹500/month (age 80+). Most states top up to ₹500-2,000/month from their own budget. Total beneficiaries: over 1.5 crore widows across India. Age eligibility: 40-79 years (widows below 40 are covered under state widow pension schemes). For widows aged 80+, the pension automatically merges with IGNOAPS (old age pension) at ₹500/month central contribution. States like UP (₹500/month), Rajasthan (₹750-1500/month), MP (₹600/month), WB (₹1,000/month) provide enhanced amounts. Pension paid via DBT directly to bank/post office account. Application through Gram Panchayat/Block Office or online on NSAP portal (nsap.nic.in) or state pension portal.
Indira Gandhi National Disability Pension Scheme (IGNDPS) 2026 — ₹300-1,500/Month for Severely Disabled | nsap.nic.in
Indira Gandhi National Disability Pension Scheme (IGNDPS) is a sub-scheme of NSAP providing monthly pension to persons with severe or multiple disabilities (80%+ disability) from BPL households aged 18-79 years. Central government contribution: ₹300/month. States add their own contribution ranging from ₹200 to ₹1,200 more, making total pension ₹500-1,500/month depending on state. For disabled persons aged 80+, pension converts to IGNOAPS at ₹500/month central. Beneficiaries: over 15 lakh disabled persons. Covers all disability types: locomotor, visual, hearing, mental, multiple. Disability certificate of 80%+ from District Medical Board required. States like Maharashtra (₹600), MP (₹600), UP (₹500), Rajasthan (₹750-1,500) provide enhanced amounts. DBT to bank/PO account.
PM Karam Yogi Maan-Dhan (Traders Pension) 2026 — ₹3,000/Month Pension for Small Traders & Shopkeepers | maandhan.in
Pradhan Mantri Karam Yogi Maan-Dhan (PM-KYMM) is a central government voluntary pension scheme for small traders, shopkeepers, and self-employed individuals with an annual turnover of up to ₹1.5 crore. Launched on 22 July 2019, PM-KYMM guarantees a minimum pension of ₹3,000/month after the age of 60 years. It is a contributory scheme: subscribers contribute ₹55-200/month (depending on entry age 18-40 years) and the government contributes an equal matching amount. On the subscriber's death, spouse gets 50% family pension. Not mandatory — purely voluntary. Registration through CSC centres (free). 35 lakh+ traders registered. Important: trades registered under GST with turnover ≤ ₹1.5 crore. Also not available to EPFO/ESIC/NPS members. Implemented by Life Insurance Corporation (LIC) and administered through maandhan.in portal.
SFURTI Scheme 2026 — ₹2.5 Crore Grant for Khadi, Coir, Bamboo & Traditional Industry Clusters | msme.gov.in
Scheme of Fund for Regeneration of Traditional Industries (SFURTI) is a central government scheme under the Ministry of MSME that organises traditional industry workers — in khadi, coir, bamboo, honey, agarbatti, handloom, pottery, etc. — into clusters and provides funding for their development and modernisation. SFURTI provides: Hard interventions (machinery, tools, equipment — up to ₹2 crore); Soft interventions (skill development, design, quality, packaging — up to ₹25 lakh); Thematic interventions (technology upgradation, brand, marketing — up to ₹10 lakh). Per cluster total: up to ₹2.5 crore regular cluster or ₹5 crore heritage cluster. Implementing Agencies (IAs): KVIC, Coir Board, state government agencies, NGOs. 50 artisan clusters covered per year. Target artisans: 50,000+ per year. Artisans need not apply directly — their cluster/IA applies. Artisans benefit through improved equipment, market access, fair wages.
🏗️ Infrastructure Schemes
View All →Jal Jeevan Mission 2026 — Har Ghar Jal Tap Water Connection for Every Home
Jal Jeevan Mission (JJM), also known as Har Ghar Jal, is a flagship central government initiative launched in 2019 to provide Functional Household Tap Connections (FHTC) to every rural household in India by 2024. Under JJM, the central and state governments jointly fund the installation of piped water supply infrastructure, ensuring a minimum of 55 litres of potable water per person per day. The scheme prioritises SC/ST-dominated habitations, aspirational districts, drought-prone areas, and schools and Anganwadi centres. Rural communities participate through Village Water and Sanitation Committees (VWSCs). The JJM helpline for water supply complaints is 1916.
PM Surya Ghar Muft Bijli Yojana 2026 — 300 Units Free Electricity
PM Surya Ghar Muft Bijli Yojana provides 300 units of free electricity per month to households that install rooftop solar panels, with a central government subsidy of up to ₹78,000 on installation cost.
Swachh Bharat Mission 2026 — Free Toilet Construction ₹12,000 | SBM-Gramin + Urban | sbmurban.org
Swachh Bharat Mission (SBM) is India's largest sanitation programme launched on October 2, 2014. Under SBM-Gramin (rural), BPL and identified APL households get ₹12,000 incentive to construct household toilets. Under SBM-Urban, urban local bodies get funding for individual, community, and public toilets. SBM-Gramin Phase 2 focuses on ODF Plus (solid/liquid waste management, plastic waste management).
Digital India Scheme 2026 — DigiLocker, UMANG, CSC, BharatNet | digitalindia.gov.in
Digital India is the Government of India's flagship programme to transform India into a digitally empowered society. Key pillars: DigiLocker (online document storage), UMANG app (500+ government services), BharatNet (rural broadband), CSC (Common Service Centres — 5 lakh+), Aadhaar-based DBT, e-Courts, e-Hospital, BHIM UPI, and India Stack APIs. Launched in 2015 with a vision of Digital Infrastructure, Digital Services, and Digital Literacy.
PM Gati Shakti 2026 — ₹100 Lakh Crore Infrastructure Plan | Multi-Modal Connectivity | gatishakti.gov.in
PM Gati Shakti National Master Plan is a ₹100 lakh crore infrastructure initiative to boost multi-modal connectivity across India by 2025. It integrates planning of 16 ministries through a GIS-based platform to synchronize rail, road, port, airport, pipeline, waterway, and logistics infrastructure. It aims to reduce logistics costs from 14% to 8% of GDP and create employment for 60 lakh people.
Smart Cities Mission 2026 — 100 Smart Cities ₹2.05 Lakh Crore Urban Development | UPSC Favourite
Smart Cities Mission (SCM) launched in June 2015 aims to develop 100 cities across India with smart infrastructure, ICT solutions, and citizen-centric services. ₹2.05 lakh crore total investment (central + state + PPP). Focus on smart roads, smart water, smart power, IT connectivity, e-governance, and sustainable environment. All 100 cities have formed Special Purpose Vehicles (SPVs) and 7,800+ projects worth ₹1.78 lakh crore completed. A staple topic in UPSC and state PSC examinations.
UDAN Scheme 2026 — ₹2,500 में हवाई यात्रा | 120 New Routes Budget 2025-26 | Ude Desh Ka Aam Nagrik
UDAN (Ude Desh Ka Aam Nagrik) scheme makes air travel affordable for common citizens by capping fares at ₹2,500/seat (1-hour flight) on regional routes. Budget 2025-26 announced 120 new regional air routes. UDAN connects Tier 2 and Tier 3 cities and unserved airports. Airlines operating UDAN routes get Viability Gap Funding (VGF) from the government. Over 600 UDAN routes operational, 80+ airports connected, 1.3 crore+ passengers served.
PM Gram Sadak Yojana 4.0 (PMGSY-IV) 2024 — 25,000 Villages All-Weather Roads | ₹70,125 Crore
PM Gram Sadak Yojana Phase IV (PMGSY-IV) launched 2024 targets connecting 25,000 unconnected habitations with all-weather roads. Budget: ₹70,125 crore. Phase IV upgrades existing PMGSY roads, connects multi-village habitations, and prioritises left-wing extremism (LWE) affected areas, tribal regions, and border areas. Overall PMGSY (all phases combined): 7.93 lakh km roads built, 1.85 lakh rural habitations connected since 2000.
PM e-Bus Sewa — 10,000 Electric Buses for 169 Cities | pmebus.in
PM e-Bus Sewa was launched in August 2023 to deploy 10,000 electric buses across 169 cities in India under the Public Private Partnership (PPP) model. The scheme targets cities with population 3 lakh+ (Tier 2 and Tier 3) that currently lack organised bus services. Central government provides capital subsidy per bus and 10-year operational support. Total outlay: Rs 57,613 crore. Aims to reduce urban pollution, lower commuting costs, and improve last-mile public transport connectivity.
PM WANI Free Public WiFi 2026 — Rural Kirana से WiFi | 20 Lakh Access Points | PM-WANI Scheme
PM WANI (Wi-Fi Access Network Interface) is India's free public WiFi scheme that enables any shopkeeper, tea stall, or kirana store to become a public WiFi hotspot without a licence. Launched December 2020, it works through Public Data Offices (PDOs — any shop) who install WiFi routers and provide internet to public. Citizens get affordable/free WiFi access. Target: 20 lakh PDO hotspots across India, especially rural areas. Anyone can walk into a PM-WANI PDO shop and connect to internet. No licence needed for shopkeepers.
PM E-DRIVE Scheme 2026 — EV Subsidy ₹500–₹1.5 Lakh | Electric 2W 3W Bus Ambulance
PM Electric Drive Revolution in Innovative Vehicle Enhancement (PM E-DRIVE) replaced FAME-II from March 2024 with an outlay of Rs.10,900 crore till March 2026. It provides direct subsidies on purchase of electric 2-wheelers (up to Rs.10,000), electric 3-wheelers (up to Rs.50,000), electric buses (Rs.40 lakh+), e-ambulances, e-trucks, and electric public transport vehicles. Unlike FAME-II, PM E-DRIVE focuses on fleet electrification and public transport rather than personal vehicles. EV charging infrastructure rollout: 22,000+ public fast chargers funded.
Saubhagya & DDUGJY 2026 — Free Electricity Connection for All Rural Households | Pradhan Mantri Sahaj Bijli Yojana
Pradhan Mantri Sahaj Bijli Har Ghar Yojana (Saubhagya), launched September 2017, provided FREE electricity connections to over 2.86 crore un-electrified rural and economically backward urban households across India. Saubhagya effectively achieved universal household electrification — 99.99% of identified households were electrified by March 2019. Saubhagya works alongside Deen Dayal Upadhyaya Gram Jyoti Yojana (DDUGJY), which focuses on rural electrification infrastructure: feeder separation, sub-stations, transformers, and last-mile distribution. DDUGJY continues to upgrade rural power infrastructure. Combined outlay exceeds Rs 1.5 lakh crore.
PM-DevINE 2026 — ₹6,600 Crore Northeast Region Development | 100% Central Funding for NE States
Pradhan Mantri Development Initiative for Northeast Region (PM-DevINE) is a 100% central-funded scheme approved in October 2022 with Rs 6,600 crore outlay for 2022-23 to 2025-26. Implemented by the Ministry of Development of Northeast Region (DoNER), PM-DevINE supports infrastructure, social development, and livelihood projects across the 8 Northeast states: Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Sikkim, and Tripura. Key focus: (1) Infrastructure (roads, telecom, power); (2) Social development (healthcare, education); (3) Livelihood support; (4) NE-specific needs (PM-DevINE complements MDoNER's other schemes like NEC). Projects are sanctioned with a 4-year completion timeline, and 70% must show on-the-ground progress before next-phase release.
BharatNet 2026 — ₹1.39 Lakh Crore Rural Broadband for 2.65 Lakh Gram Panchayats | High-Speed Internet
BharatNet is India's flagship rural broadband connectivity programme to provide high-speed internet to all 2.65 lakh Gram Panchayats (GPs) across India. Originally launched as NOFN (National Optical Fibre Network) in 2011, renamed BharatNet in 2015, and revamped in August 2023 with a Cabinet approval of Rs 1.39 lakh crore for last-mile connectivity. BharatNet enables: e-governance, telemedicine, online education, agri-extension, and digital banking in villages. The revamped scheme uses a 'BharatNet 2.0' design — connecting all 2.65 lakh GPs by 2025-26 and providing fibre-to-the-home (FTTH) connections to 1.5 crore rural households. Implemented by Bharat Broadband Network Ltd (BBNL).
Aspirational Districts Programme 2026 — 112 Districts Transformation | Niti Aayog Flagship
Aspirational Districts Programme (ADP), launched January 2018 by NITI Aayog, focuses on transformation of 112 most underdeveloped districts across 28 states identified through composite indicators. ADP works on 5 themes (49 KPIs): Health & Nutrition (38%), Education (26%), Agriculture & Water Resources (20%), Financial Inclusion & Skill Development (10%), Basic Infrastructure (6%). District rankings (Delta and overall) are published monthly through the Champions of Change Dashboard, creating healthy competition. ADP has been extended as the Aspirational Blocks Programme (ABP) in 2023 to cover 500 additional underdeveloped blocks. Funds are convergence-based (existing schemes); the programme provides strategic direction, monitoring, and best-practice sharing.
AMRUT Mission 2.0 (2021-2026) — ₹2.99 Lakh Crore Urban Water & Sewerage in 500 Cities
Atal Mission for Rejuvenation and Urban Transformation (AMRUT) 2.0 is a centrally-sponsored scheme to provide universal access to functional water taps and 100% sewerage management in 500 cities across India. Launched October 2021 (succeeds AMRUT 1.0 from 2015) with total outlay of ₹2,99,000 crore for 2021-2026. Targets: 2.68 crore new water tap connections + 2.64 crore new sewer/septage connections. Also covers rejuvenation of urban water bodies, green spaces, and digital governance. Implemented by Ministry of Housing & Urban Affairs (MoHUA).
PMKKKY 2026 — Pradhan Mantri Khanij Kshetra Kalyan Yojana | Mining Area Welfare via DMF
Pradhan Mantri Khanij Kshetra Kalyan Yojana (PMKKKY) is the central guideline that mandates use of District Mineral Foundation (DMF) funds — collected as additional contributions from mining lease holders — for welfare of mining-affected communities. Launched September 2015. Mining companies contribute 10-30% of royalty to DMF. PMKKKY provides framework: 60% of DMF funds for HIGH PRIORITY (drinking water, environment, education, healthcare, women & child welfare, skill development, sanitation) and 40% for OTHER priority (infrastructure, livelihood, energy). Implemented in 600+ mining-affected districts. Total DMF corpus crossed ₹75,000 crore.
Bharatmala Pariyojana 2026 — ₹10.63 Lakh Crore National Highway Development | 34,800 KM Highways
Bharatmala Pariyojana is India's largest highway infrastructure programme — approved October 2017 with outlay of ₹10.63 lakh crore. Aims to construct 34,800 km of national highways under: Economic Corridors (9,000 km), Inter-Corridor + Feeder Routes (6,000 km), National Corridor Efficiency Improvement (5,000 km), Border + International Connectivity (2,000 km), Coastal + Port Connectivity (2,000 km), Expressways (800 km), Balance NHDP (10,000 km). 25,000+ km already constructed as of 2024-25. Implemented by NHAI under Ministry of Road Transport & Highways.
Sagarmala Programme 2026 — ₹6 Lakh Crore Port-Led Development | 802 Projects | sagarmala.gov.in
Sagarmala Programme is the Government of India's flagship initiative for port-led development — leveraging India's 7,500 km coastline for economic growth. Launched March 2015 with 802 projects worth ₹6 lakh crore for 2015-2035. Four pillars: (1) Port Modernisation & New Ports; (2) Port Connectivity Enhancement; (3) Port-led Industrialisation (Coastal Economic Zones); (4) Coastal Community Development (fishermen welfare, skill development). Implemented by Ministry of Ports, Shipping and Waterways. 240+ projects completed; 350+ under implementation.
HRIDAY 2026 — Heritage City Development & Augmentation Yojana | 12 Heritage Cities
Heritage City Development and Augmentation Yojana (HRIDAY) is the Government of India scheme to preserve and revitalise the unique heritage character of 12 historic cities while ensuring inclusive urban development. Launched January 2015 with ₹500 crore outlay. 12 heritage cities: Ajmer, Amaravati, Amritsar, Badami, Dwarka, Gaya, Kanchipuram, Mathura, Puri, Varanasi, Velankanni, Warangal. Focus: heritage conservation, urban infrastructure (roads, sanitation, lighting), tourism infrastructure, livelihood for heritage artisans. Implemented by Ministry of Housing & Urban Affairs (MoHUA).
PRASAD Scheme 2026 — Pilgrimage Rejuvenation in 41 Destinations | tourism.gov.in
PRASAD (Pilgrimage Rejuvenation and Spiritual, Heritage Augmentation Drive) is the Ministry of Tourism scheme to develop pilgrimage and spiritual heritage destinations holistically. Launched 2015. Focuses on 41 sites across 25 states/UTs in 1st phase. Funds infrastructure: pilgrim facilities (parking, toilets, food, accommodation, drinking water), connectivity (roads, signage), pilgrim safety (CCTV, emergency response), digital tourism services. Renamed to PRASHAD (Pilgrimage Rejuvenation and Spiritual, Heritage Augmentation Drive) in 2017. Total outlay: ₹4,000+ crore. Now subsumed under Swadesh Darshan 2.0.
Swadesh Darshan 2.0 (2022-2026) — 76 Theme-Based Tourism Circuits | tourism.gov.in
Swadesh Darshan is the Ministry of Tourism's flagship scheme for theme-based tourism circuit development. Launched 2014 with 15 theme circuits (Buddhist, Coastal, Desert, Eco, Heritage, Himalayan, Krishna, Northeast, Ramayana, Spiritual, Sufi, Tribal, Tirthankar, Wildlife, Rural). Revamped as Swadesh Darshan 2.0 in 2022 with destination-centric (not just circuit-centric) approach. 76 destinations identified across 31 states/UTs. ₹5,000+ crore outlay since 2014. Phase 2 focuses on sustainable, inclusive, responsible tourism with technology integration.
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