Right to Information Wiki - audience

Government schemes for children in India (under 18) — 2026

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 18:53:31 +0000

2026/04/25 21:01	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(child schemes india, beti bachao, anganwadi, mid day meal, integrated child development services, juvenile justice, child welfare)
	+	metatag-description=(Complete list of central schemes for children. ICDS / Anganwadi (0-6 yrs), Mid-Day Meal (1-8), Beti Bachao Beti Padhao, NCPCR helpline, education, nutrition, health, protection.)
	+	}}

	+	====== Government schemes for children in India (under 18) — 2026 ======
	+
	+	{{ :social:auto:audience-children-below-18.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: India's 41% population is under 18 (~50 cr). 30+ central schemes under WCD Ministry + Education + Health. 0-6 years: ICDS + Anganwadi (free meal + nutrition + immunisation); 6-14 years: Right to Education + Mid-Day Meal + Sarva Shiksha Abhiyan; 14-18: secondary education + skill + scholarships; Cross-cutting: Beti Bachao Beti Padhao, POCSO Act protection, Juvenile Justice, NCPCR helpline 1098, PM-CARES for Children (orphans).
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	Indian child < 18 years. Most schemes universal (no income test). Anganwadi + Mid-Day Meal universal in govt schools. Top-up schemes (e.g., BBBP) for girl child.
	+
	+	===== Top 12 schemes =====
	+
	+	==== 1. Integrated Child Development Services (ICDS) / Anganwadi ====
	+	0-6 years: free meal + nutrition + immunisation + pre-school. 14 lakh+ centres. Universal access.
	+
	+	* Where to apply: Anganwadi (local)
	+	* Official portal: [[https://wcd.nic.in/icds\|https://wcd.nic.in/icds]]
	+
	+	==== 2. Pradhan Mantri Poshan Shakti Nirman (PM-POSHAN — formerly Mid-Day Meal) ====
	+	Free hot cooked meal class 1-8 in govt schools. 12 cr+ children. Universal. Auto on enrolment.
	+
	+	* Where to apply: Govt schools
	+	* Official portal: [[https://pmposhan.education.gov.in\|https://pmposhan.education.gov.in]]
	+
	+	==== 3. Right to Education (RTE Act 2009) ====
	+	Free + compulsory education class 1-8. 25% reservation in private schools for EWS. Apply via state portal.
	+
	+	* Where to apply: State Education Dept
	+	* Official portal: [[https://samagra.education.gov.in\|https://samagra.education.gov.in]]
	+
	+	==== 4. Beti Bachao Beti Padhao (BBBP) ====
	+	Awareness + scholarship + financial literacy for girl child. Linked to SSY + PMMVY.
	+
	+	* Where to apply: District Collector
	+	* Official portal: [[https://wcd.nic.in/bbbp-schemes\|https://wcd.nic.in/bbbp-schemes]]
	+
	+	==== 5. Sukanya Samriddhi Yojana (SSY) ====
	+	Tax-free savings for girl child < 10 years. 8.2% interest. Min Rs 250/yr, max Rs 1.5L/yr. PO/banks.
	+
	+	* Where to apply: India Post / banks
	+	* Official portal: [[https://www.indiapost.gov.in\|https://www.indiapost.gov.in]]
	+
	+	==== 6. Mission Shakti ====
	+	Integrated women + child empowerment programme. Sambal (safety) + Samarthya (capacity).
	+
	+	* Where to apply: WCD Ministry
	+	* Official portal: [[https://wcd.nic.in/schemes/mission-shakti\|https://wcd.nic.in/schemes/mission-shakti]]
	+
	+	==== 7. National Child Helpline (Childline 1098) ====
	+	24x7 free helpline for child in distress (abuse, lost, hunger, education). 600+ cities.
	+
	+	* Where to apply: Toll-free 1098
	+	* Official portal: [[https://www.childlineindia.org\|https://www.childlineindia.org]]
	+
	+	==== 8. PM-CARES for Children ====
	+	Support to orphans of COVID + similar. Rs 10L corpus + monthly stipend till 23. Free education + Ayushman.
	+
	+	* Where to apply: pmcaresforchildren.in
	+	* Official portal: [[https://pmcaresforchildren.in\|https://pmcaresforchildren.in]]
	+
	+	==== 9. Juvenile Justice (Care and Protection of Children) Act 2015 ====
	+	Care + protection for children in conflict with law / in need of care + protection. Foster care, adoption.
	+
	+	* Where to apply: CWC (Child Welfare Committee)
	+	* Official portal: [[https://wcd.nic.in/jj\|https://wcd.nic.in/jj]]
	+
	+	==== 10. National Commission for Protection of Child Rights (NCPCR) ====
	+	Statutory body — complaint redressal, policy review, awareness. Online complaint.
	+
	+	* Where to apply: NCPCR
	+	* Official portal: [[https://ncpcr.gov.in\|https://ncpcr.gov.in]]
	+
	+	==== 11. Mission Vatsalya ====
	+	Child protection scheme — Specialized Adoption Agencies, Open Shelters, Foster Care, After-Care Hostels.
	+
	+	* Where to apply: WCD Ministry
	+	* Official portal: [[https://wcd.nic.in/schemes/mission-vatsalya\|https://wcd.nic.in/schemes/mission-vatsalya]]
	+
	+	==== 12. POSHAN Abhiyan ====
	+	Universal nutrition mission — 0-6 yrs + adolescent girls + pregnant + lactating women. Linked to ICDS.
	+
	+	* Where to apply: WCD Ministry
	+	* Official portal: [[https://poshanabhiyaan.gov.in\|https://poshanabhiyaan.gov.in]]
	+
	+	===== How to apply (general process) =====
	+	Most schemes universal — Anganwadi + Mid-Day Meal auto on enrolment. SSY at PO/bank. Scholarships via NSP. POCSO/JJ Act via Childline 1098.
	+
	+	===== Helplines =====
	+	* Childline 1098 — 24x7 free for child in distress
	+	* National Commission for Protection of Child Rights (NCPCR) — pocsoebox.gov.in
	+	* State Child Protection Society — varies
	+
	+	===== Common issues + how to handle =====
	+	* Anganwadi food not delivered — file complaint to CDPO + NCPCR. Many districts have weekly nutrition tracker.
	+	* RTE 25% admission denied by school — complaint to State Education Commissioner; SC has consistently directed compliance.
	+	* Mid-Day Meal quality bad — complaint to Block Education Officer + media. State has Eat Right Mission.
	+	* Childline 1098 not responsive — escalate to NCPCR + state SCPCR.
	+
	+	===== If a scheme is delayed or rejected — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Anganwadi for working mothers — extended hours? ====
	+	Yes — many states have Anganwadi-cum-Crèche for working women (Sarbahi-Bachhe scheme).
	+
	+	==== RTE 25% — only EWS or all weaker sections? ====
	+	EWS + DG (Disadvantaged Group: SC/ST/OBC/%%PwD%%). Income < Rs 1L (varies).
	+
	+	==== SSY closed at age 21 or marriage? ====
	+	Tenure 21 years from opening OR upon girl's marriage after 18, whichever earlier. Partial withdrawal allowed for higher education at 18+.
	+
	+	==== Childline 1098 — police involvement? ====
	+	Childline coordinates with CWC + police. Confidential till case formally registered.
	+
	+	==== Scheme delay / school not implementing. Fix? ====
	+	File RTI to school + Block Education Officer + State Education Commissioner. NCPCR online complaint also fast.
	+
	+	===== Summary + what to do next =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 12 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
	+
	+	* Browse all 10 audience hubs: [[:audience:start\|All audience hubs]]
	+	* How to apply step-by-step: [[:how-to-apply:start\|25 application guides]]
	+	* Track applications: [[:check-status:start\|25 status-check guides]]
	+	* If stuck — RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|File RTI in 5 minutes]]
	+	* Talk to other citizens: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+	</WRAP>
	+
	+	===== Related reading =====
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook — 100+ scenarios]]
	+
	+	===== Sources =====
	+	* Each scheme's official portal (linked above).
	+	* Ministry budget documents + scheme operational guidelines.
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI]] (composite, identifying details removed).
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience children-below-18 schemes welfare government-india}}

Government schemes for Divyangjan (Persons with Disabilities) in India (2026)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 18:53:31 +0000

2026/04/25 21:01	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(divyangjan schemes, pwd schemes india, udid card, adip aids, disability scholarship, disability employment, divyangjan welfare)
	+	metatag-description=(Complete list of schemes for Divyangjan / %%PwD%%. UDID card, ADIP aids/appliances, scholarships, employment quota, accessibility, special allowance.)
	+	}}

	+	====== Government schemes for Divyangjan (Persons with Disabilities) in India (2026) ======
	+
	+	{{ :social:auto:audience-divyangjan-pwd.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: India's 2.68 crore %%PwD%% (2011 census; ~10 crore est. by NSO 2024) have 30+ central schemes under RPWD Act 2016 (21 disability categories). UDID card is the gateway (free, online). ADIP (free aids + appliances), scholarships (Pre/Post-Matric, NOSGS), employment (4% govt reservation), financial inclusion (Rs 4L disability pension), accessibility (Sugamya Bharat Abhiyan), legal protection (RPWD Act).
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	Indian citizen with 40%+ disability certified by Medical Board (per RPWD Act 2016). 21 categories: vision/hearing/physical/intellectual/multiple/etc.
	+
	+	===== Top 12 schemes =====
	+
	+	==== 1. UDID (Unique Disability ID) ====
	+	Free national disability ID card. Online apply via state Disability Commissioner. Replaces multiple disability certs.
	+
	+	* Where to apply: UDID portal
	+	* Official portal: [[https://www.swavlambancard.gov.in\|https://www.swavlambancard.gov.in]]
	+
	+	==== 2. ADIP (Aids & Appliances) ====
	+	Free aids — wheelchair, prosthetics, hearing aid, white cane, Braille slates, etc. Camp-based + ALIMCO outlets.
	+
	+	* Where to apply: ALIMCO + State Empanelled
	+	* Official portal: [[https://alimco.in\|https://alimco.in]]
	+
	+	==== 3. Pre-Matric Scholarship (%%PwD%%) ====
	+	Class 1-10. Rs 500/month + book + uniform allowance. Income < Rs 2.5L. Apply via NSP.
	+
	+	* Where to apply: NSP scholarships.gov.in
	+	* Official portal: [[https://scholarships.gov.in\|https://scholarships.gov.in]]
	+
	+	==== 4. Post-Matric Scholarship (%%PwD%%) ====
	+	Class 11+ to %%PhD%%. Rs 1,200-1,600/month + tuition + maintenance. Income < Rs 2.5L. NSP.
	+
	+	* Where to apply: NSP
	+	* Official portal: [[https://scholarships.gov.in\|https://scholarships.gov.in]]
	+
	+	==== 5. National Overseas Scholarship for %%PwD%% ====
	+	Up to Rs 80L for masters/%%PhD%% abroad. ~25 selections/year. %%PhD%%: 4 years; Masters: 2 years.
	+
	+	* Where to apply: Min of Social Justice
	+	* Official portal: [[https://socialjustice.gov.in\|https://socialjustice.gov.in]]
	+
	+	==== 6. Disability Employment Reservation (4%) ====
	+	4% reservation in central govt jobs (1% each for VH, HH, OH, Multi). Many states: 5%. Apply via UPSC/SSC + state PSC.
	+
	+	* Where to apply: UPSC / state PSC
	+	* Official portal: [[https://upsc.gov.in\|https://upsc.gov.in]]
	+
	+	==== 7. Indira Gandhi National Disability Pension Scheme (IGNDPS) ====
	+	Rs 300/month (18-79) / Rs 500/month (80+). 80%+ disability + BPL. Apply at Block Office.
	+
	+	* Where to apply: NSAP
	+	* Official portal: [[https://nsap.nic.in\|https://nsap.nic.in]]
	+
	+	==== 8. Sugamya Bharat Abhiyan (Accessible India) ====
	+	Accessibility audit + retrofit of govt buildings + transport + ICT. Complaint via Sugamya app.
	+
	+	* Where to apply: Sugamya Bharat App
	+	* Official portal: [[https://sugamyabharat.gov.in\|https://sugamyabharat.gov.in]]
	+
	+	==== 9. National Action Plan for Skill Development of %%PwD%% ====
	+	Free skill training + 100% placement. NHFDC + State Disability Welfare.
	+
	+	* Where to apply: NHFDC
	+	* Official portal: [[https://nhfdc.nic.in\|https://nhfdc.nic.in]]
	+
	+	==== 10. National Disabled Finance Development Corp (NHFDC) ====
	+	Loans up to Rs 25L for self-employment + education. Subsidised interest.
	+
	+	* Where to apply: NHFDC
	+	* Official portal: [[https://nhfdc.nic.in\|https://nhfdc.nic.in]]
	+
	+	==== 11. Income Tax §80U ====
	+	Rs 75,000 deduction (40-79% disability) / Rs 1.25L (80%+). Self only. ITR auto-claim.
	+
	+	* Where to apply: Income Tax
	+	* Official portal: [[https://www.incometax.gov.in\|https://www.incometax.gov.in]]
	+
	+	==== 12. Railway Concession (%%PwD%%) ====
	+	50-75% on rail ticket. Locomotor disability + escort: 75%. ID Card via railway booking centre.
	+
	+	* Where to apply: IRCTC
	+	* Official portal: [[https://www.irctc.co.in\|https://www.irctc.co.in]]
	+
	+	===== How to apply (general process) =====
	+	UDID first (online + free). Then most schemes auto-link via UDID number. Aadhaar + bank account in own name + Disability Certificate from Medical Board.
	+
	+	===== Helplines =====
	+	* National Disability Helpline 14456 — multilingual
	+	* State Commissioner for Persons with Disabilities — varies
	+	* NHFDC: 0129-2287512
	+
	+	===== Common issues + how to handle =====
	+	* UDID rejected — disability % below 40 or category mismatch. Re-apply with correct medical certificate.
	+	* ADIP wait long — file RTI to ALIMCO regional centre + State Disability Welfare.
	+	* Job reservation not given — file complaint to Chief Commissioner for %%PwD%% + RTI for vacancy notification.
	+	* Pension < Rs 500 — state top-up varies (Rs 500-2,000); check state welfare scheme.
	+
	+	===== If a scheme is delayed or rejected — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:rti-for-scholarship-status\|Open the RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Old disability cert — convert to UDID? ====
	+	Yes — UDID portal accepts old certs + auto-issues new card. Free.
	+
	+	==== UDID = SADAREM (Telangana)? ====
	+	No — SADAREM is TS state portal. UDID is national. Telangana has dual; both valid.
	+
	+	==== Disability % calculation — appeal possible? ====
	+	Yes — Re-evaluation by state Medical Board on application. RTI for evaluation criteria.
	+
	+	==== Job reservation — private sector covered? ====
	+	No — only govt + PSU. Private sector has DOPT directions but no reservation. Some states have private reservation.
	+
	+	==== Scholarship delayed > 90 days. Fix? ====
	+	File RTI to Institution + DNO. Use [[:rti-for-scholarship-status\|scholarship RTI generator]].
	+
	+	===== Summary + what to do next =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 12 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
	+
	+	* Browse all 10 audience hubs: [[:audience:start\|All audience hubs]]
	+	* How to apply step-by-step: [[:how-to-apply:start\|25 application guides]]
	+	* Track applications: [[:check-status:start\|25 status-check guides]]
	+	* If stuck — RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|File RTI in 5 minutes]]
	+	* Talk to other citizens: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+	</WRAP>
	+
	+	===== Related reading =====
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook — 100+ scenarios]]
	+
	+	===== Sources =====
	+	* Each scheme's official portal (linked above).
	+	* Ministry budget documents + scheme operational guidelines.
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI]] (composite, identifying details removed).
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience divyangjan-pwd schemes welfare government-india}}

Government schemes for farmers in India — complete list (2026)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 18:57:33 +0000

2026/04/25 21:01	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(farmer schemes india, pm kisan, fasal bima, kcc, e-nam, agriculture scheme india, kisan yojana)
	+	metatag-description=(Complete list of central + state schemes for farmers. PM-KISAN, KCC, Fasal Bima, e-NAM, MSP, soil health, irrigation, mechanisation. With portals + helplines.)
	+	}}

	+	====== Government schemes for farmers in India — complete list (2026) ======
	+
	+	{{ :social:auto:audience-farmers.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: Indian farmers have 50+ central schemes spanning income support (PM-KISAN Rs 6,000/yr), crop insurance (PMFBY at 1.5-5% premium), credit (KCC at 4% effective), markets (e-NAM unified portal), price support (MSP for 23 crops), inputs (subsidised seed/fertiliser), mechanisation (50% subsidy on equipment), irrigation (PMKSY drip+sprinkler), soil health (free soil card every 2 years). Plus state-specific top-ups. All DBT — Aadhaar + bank in own name mandatory.
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	Landholding Indian farmer (cultivator). Tenant farmers eligible for some schemes (state-specific). Excluded: govt employees, IT taxpayers, large landholders.
	+
	+	===== Top 12 schemes =====
	+
	+	==== 1. PM-KISAN Samman Nidhi ====
	+	Rs 6,000/year (3 instalments of Rs 2,000) to landholder farmer family. Self-registration at pmkisan.gov.in.
	+
	+	* Where to apply: PM-KISAN portal
	+	* Official portal: [[https://pmkisan.gov.in\|https://pmkisan.gov.in]]
	+
	+	==== 2. Kisan Credit Card (KCC) ====
	+	Crop loan up to Rs 3L at 4% effective interest. Pre-approved by bank. Animal husbandry + fishery covered.
	+
	+	* Where to apply: Any bank
	+	* Official portal: [[https://www.pmkisan.gov.in/kcc.aspx\|https://www.pmkisan.gov.in/kcc.aspx]]
	+
	+	==== 3. Pradhan Mantri Fasal Bima Yojana (PMFBY) ====
	+	Crop insurance at 1.5% (rabi) / 2% (kharif) / 5% (commercial) premium of sum insured. Govt pays balance. Apply via bank/CSC.
	+
	+	* Where to apply: PMFBY portal
	+	* Official portal: [[https://pmfby.gov.in\|https://pmfby.gov.in]]
	+
	+	==== 4. e-NAM (Electronic National Agri Market) ====
	+	Online market for agri produce — 1,200+ mandis integrated. Better price discovery. Register as farmer.
	+
	+	* Where to apply: e-NAM portal
	+	* Official portal: [[https://www.enam.gov.in\|https://www.enam.gov.in]]
	+
	+	==== 5. Soil Health Card ====
	+	Free soil testing + nutrient recommendations. Issued every 2 years. Apply at Krishi Vigyan Kendra (KVK).
	+
	+	* Where to apply: Soil Health Card portal
	+	* Official portal: [[https://soilhealth.dac.gov.in\|https://soilhealth.dac.gov.in]]
	+
	+	==== 6. Pradhan Mantri Krishi Sinchayee Yojana (PMKSY) ====
	+	50-90% subsidy on drip + sprinkler irrigation. Per-Drop-More-Crop component. Apply at KVK / horticulture office.
	+
	+	* Where to apply: PMKSY portal
	+	* Official portal: [[https://pmksy.gov.in\|https://pmksy.gov.in]]
	+
	+	==== 7. Sub-Mission on Agricultural Mechanization (SMAM) ====
	+	40-80% subsidy on tractors, cultivators, threshers, harvesters. Custom Hiring Centres also subsidised.
	+
	+	* Where to apply: State Agriculture Dept
	+	* Official portal: [[https://agrimachinery.nic.in\|https://agrimachinery.nic.in]]
	+
	+	==== 8. Paramparagat Krishi Vikas Yojana (PKVY) ====
	+	Organic farming clusters — Rs 50,000/ha subsidy over 3 years. PGS certification.
	+
	+	* Where to apply: State Agriculture Dept
	+	* Official portal: [[https://pgsindia-ncof.gov.in\|https://pgsindia-ncof.gov.in]]
	+
	+	==== 9. National Mission on Edible Oils-Oil Palm ====
	+	Subsidy for oil palm cultivation in 15 states. Up to Rs 29,000/ha planting + maintenance.
	+
	+	* Where to apply: State Agriculture Dept
	+	* Official portal: [[https://nmeoop.dac.gov.in\|https://nmeoop.dac.gov.in]]
	+
	+	==== 10. Pashu Kisan Credit Card ====
	+	Loan for animal husbandry — buffalo Rs 60,000, cow Rs 40,000, goat Rs 4,000 each. 4% effective.
	+
	+	* Where to apply: Banks
	+	* Official portal: [[https://nabard.org/auth/writereaddata/tender/2906180849Animal-Husbandry-Infrastructure-Development-Fund.pdf\|https://nabard.org/auth/writereaddata/tender/2906180849Animal-Husbandry-Infrastructure-Development-Fund.pdf]]
	+
	+	==== 11. PM Mat Vaya Vandana (Fisher Pension) ====
	+	Pension scheme for fishermen 60+. State + central. Apply via Fisheries Dept.
	+
	+	* Where to apply: Fisheries Dept
	+	* Official portal: [[https://dof.gov.in\|https://dof.gov.in]]
	+
	+	==== 12. Krishi Sakhi (Para Extension Worker) ====
	+	Trained women village agri-coaches for advisory. Linked to MGNREGA.
	+
	+	* Where to apply: KVK / state extension
	+	* Official portal: [[https://krishisakhi.gov.in\|https://krishisakhi.gov.in]]
	+
	+	===== How to apply (general process) =====
	+	Each scheme has portal; common: Aadhaar + bank account + land record (Bhulekh) + KCC. KVK / Block Agriculture Office is one-stop offline.
	+
	+	===== Helplines =====
	+	* Kisan Call Centre 1800-180-1551 — multilingual
	+	* KVK (Krishi Vigyan Kendra) — district-level
	+	* State Agriculture Helpline — varies
	+
	+	===== Common issues + how to handle =====
	+	* Bhulekh land record name ≠ Aadhaar — update either to match.
	+	* KCC limit not utilised — re-apply with higher cropping plan.
	+	* PMFBY claim rejected — %%SoNA%% (State of Notified Area) issue. Appeal to DLMC (District Level Monitoring Committee).
	+	* PM-KISAN excluded category — IT taxpayer / govt employee. Check before applying.
	+
	+	===== If a scheme is delayed or rejected — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:rti-for-pmkisan-installment\|Open the RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Tenant farmer — eligible for PM-KISAN? ====
	+	No — only landholders. State schemes (e.g., Kerala Karshaka Pension) cover tenants.
	+
	+	==== PMFBY claim takes how long? ====
	+	Statutory 60 days from yield assessment. Most claims credited 90-180 days. RTI for delays.
	+
	+	==== KCC limit too low — increase? ====
	+	Re-apply with higher cropping pattern + scale-of-finance. Bank may double on regular repayment.
	+
	+	==== e-NAM benefit over local mandi? ====
	+	Better price discovery — 1,200+ mandis competing. But quality grading mandatory.
	+
	+	==== PM-KISAN delayed > 4 months. Fix? ====
	+	File RTI to Block Agri Officer + State Nodal. Use [[:rti-for-pmkisan-installment\|PM-KISAN RTI generator]].
	+
	+	===== Summary + what to do next =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 12 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
	+
	+	* Browse all 10 audience hubs: [[:audience:start\|All audience hubs]]
	+	* How to apply step-by-step: [[:how-to-apply:start\|25 application guides]]
	+	* Track applications: [[:check-status:start\|25 status-check guides]]
	+	* If stuck — RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|File RTI in 5 minutes]]
	+	* Talk to other citizens: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+	</WRAP>
	+
	+	===== Related reading =====
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook — 100+ scenarios]]
	+
	+	===== Sources =====
	+	* Each scheme's official portal (linked above).
	+	* Ministry budget documents + scheme operational guidelines.
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI]] (composite, identifying details removed).
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience farmers schemes welfare government-india}}

Government schemes for minorities in India (Muslim, Christian, Sikh, Buddhist, Jain, Parsi) — 2026

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 18:57:33 +0000

2026/04/25 21:01	current
Line 1:	Line 1:
	+	{{htmlmetatags>
	+	metatag-keywords=(minority schemes india, minority scholarship, maulana azad foundation, pre matric minority, post matric minority, minority welfare scheme)
	+	metatag-description=(Complete list of central schemes for 6 notified minorities. Pre-Matric, Post-Matric, Merit-cum-Means scholarships. Maulana Azad Foundation. Skill development. Concessional loans.)
	+	}}

	+	====== Government schemes for minorities in India (Muslim, Christian, Sikh, Buddhist, Jain, Parsi) — 2026 ======
	+
	+	{{ :social:auto:audience-minorities.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: India's 6 notified minorities (Muslim, Christian, Sikh, Buddhist, Jain, Parsi — ~20% population) have 15+ central schemes via Ministry of Minority Affairs. Scholarships (Pre/Post-Matric/MCM/Top Class — income < Rs 1L-2.5L), Maulana Azad Foundation (research grants, %%GoI%%-MAEF Scholarship), Skill (Seekho aur Kamao, USTTAD, Nai Manzil), Loans (NMDFC concessional credit Rs 30K-30L), 15-Point Programme (PM's programme — proportionate share in priority sector lending). Plus state-specific schemes.
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	Indian citizen of notified minority community. Income ceiling Rs 1L (Pre-Matric), Rs 2L (Post-Matric), Rs 2.5L (MCM Top Class).
	+
	+	===== Top 12 schemes =====
	+
	+	==== 1. Pre-Matric Minority Scholarship ====
	+	Class 1-10. Rs 500-1,000/month + tuition. Income < Rs 1L. Min 50% in last class. NSP.
	+
	+	* Where to apply: NSP scholarships.gov.in
	+	* Official portal: [[https://scholarships.gov.in\|https://scholarships.gov.in]]
	+
	+	==== 2. Post-Matric Minority Scholarship ====
	+	Class 11+ to %%PhD%%. Rs 230-3,000/month + tuition (varies by course). Income < Rs 2L.
	+
	+	* Where to apply: NSP
	+	* Official portal: [[https://scholarships.gov.in\|https://scholarships.gov.in]]
	+
	+	==== 3. Merit-cum-Means (MCM) Scholarship ====
	+	Professional/technical courses (engineering, medical, MBA). Up to Rs 30K/year + tuition Rs 20K. Income < Rs 2.5L. NSP.
	+
	+	* Where to apply: NSP
	+	* Official portal: [[https://scholarships.gov.in\|https://scholarships.gov.in]]
	+
	+	==== 4. PM Vidya Lakshmi (Top Class) ====
	+	Top 200 institutions. Rs 1.25L/year + monthly stipend. Income < Rs 8L. NSP.
	+
	+	* Where to apply: NSP
	+	* Official portal: [[https://scholarships.gov.in\|https://scholarships.gov.in]]
	+
	+	==== 5. Maulana Azad National Fellowship (MANF) ====
	+	%%PhD%% fellowship for minority students. Rs 31K-35K/month (per UGC). 1,000 selections/year.
	+
	+	* Where to apply: UGC MANF
	+	* Official portal: [[https://www.maef.nic.in\|https://www.maef.nic.in]]
	+
	+	==== 6. Begum Hazrat Mahal National Scholarship ====
	+	Class 9-12 minority girls. Rs 5,000-6,000/year. Income < Rs 2L. ~30,000/year.
	+
	+	* Where to apply: MAEF
	+	* Official portal: [[https://www.maef.nic.in\|https://www.maef.nic.in]]
	+
	+	==== 7. Seekho Aur Kamao (Learn & Earn) ====
	+	Skill training for minority youth aged 14-35. Free + Rs 1,500/month stipend. 100% placement.
	+
	+	* Where to apply: minorityaffairs.gov.in
	+	* Official portal: [[https://www.minorityaffairs.gov.in/seekho-aur-kamao\|https://www.minorityaffairs.gov.in/seekho-aur-kamao]]
	+
	+	==== 8. USTTAD (Upgrading Skills + Training in Traditional Arts/Crafts) ====
	+	Skill upgradation for traditional artisan minorities. Master-craftsmen led training.
	+
	+	* Where to apply: minorityaffairs.gov.in
	+	* Official portal: [[https://www.minorityaffairs.gov.in/usttad\|https://www.minorityaffairs.gov.in/usttad]]
	+
	+	==== 9. Nai Manzil ====
	+	Education + skill training for school dropout minority youth. 9 months course. Free + stipend.
	+
	+	* Where to apply: minorityaffairs.gov.in
	+	* Official portal: [[https://www.minorityaffairs.gov.in/nai-manzil\|https://www.minorityaffairs.gov.in/nai-manzil]]
	+
	+	==== 10. NMDFC (National Minorities Development & Finance Corporation) ====
	+	Concessional loans Rs 30K-30L for minority entrepreneurs. 6-8% interest. State Channelizing Agency.
	+
	+	* Where to apply: NMDFC
	+	* Official portal: [[https://www.nmdfc.org\|https://www.nmdfc.org]]
	+
	+	==== 11. Hamari Dharohar ====
	+	Preservation of minority cultural heritage. Grants to NGOs/researchers.
	+
	+	* Where to apply: minorityaffairs.gov.in
	+	* Official portal: [[https://www.minorityaffairs.gov.in/hamari-dharohar\|https://www.minorityaffairs.gov.in/hamari-dharohar]]
	+
	+	==== 12. Pradhan Mantri Jan Vikas Karyakram (PMJVK) ====
	+	Infrastructure development in minority-concentrated districts. Schools, hospitals, roads.
	+
	+	* Where to apply: minorityaffairs.gov.in
	+	* Official portal: [[https://www.minorityaffairs.gov.in/pmjvk\|https://www.minorityaffairs.gov.in/pmjvk]]
	+
	+	===== How to apply (general process) =====
	+	NSP for scholarships, NMDFC for loans, sector-specific portals (Seekho aur Kamao, USTTAD). Common docs: Aadhaar, minority status certificate (state-issued), income cert, education proof.
	+
	+	===== Helplines =====
	+	* Min of Minority Affairs Helpdesk — minorityaffairs.gov.in
	+	* MAEF (Maulana Azad Education Foundation) — maef.nic.in
	+	* State Minority Welfare Department — varies
	+
	+	===== Common issues + how to handle =====
	+	* Minority status cert missing — apply at SDM with religion declaration + community elder affidavit.
	+	* Multiple scholarship blocked — only one minority scholarship per year via NSP.
	+	* MANF interview missed — re-apply next cycle; no second chance same year.
	+	* NMDFC loan rejected — try State Channelizing Agency directly with business plan.
	+
	+	===== If a scheme is delayed or rejected — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Minority status — automatic via religion? ====
	+	Generally yes for Muslim/Christian/Sikh/Buddhist/Jain/Parsi. Jain notified 2014 separately. State minority status varies.
	+
	+	==== Pre-Matric income limit really Rs 1L? ====
	+	Yes — strictest among scholarship schemes. Counter via state-supplementary minority scheme if income slightly higher.
	+
	+	==== MANF replaced by JRF? ====
	+	No — MANF continues for minority %%PhD%% students. JRF (UGC) is separate, broader.
	+
	+	==== NMDFC vs Stand-Up India — which? ====
	+	Stand-Up India: greenfield only, women/SC/ST. NMDFC: greenfield + brownfield + working capital, only minorities.
	+
	+	==== Scheme delayed > 90 days. Fix? ====
	+	File RTI to Min of Minority Affairs + State Minority Welfare. Use [[:citizen-rti-playbook\|RTI Playbook]] template.
	+
	+	===== Summary + what to do next =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 12 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
	+
	+	* Browse all 10 audience hubs: [[:audience:start\|All audience hubs]]
	+	* How to apply step-by-step: [[:how-to-apply:start\|25 application guides]]
	+	* Track applications: [[:check-status:start\|25 status-check guides]]
	+	* If stuck — RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|File RTI in 5 minutes]]
	+	* Talk to other citizens: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+	</WRAP>
	+
	+	===== Related reading =====
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook — 100+ scenarios]]
	+
	+	===== Sources =====
	+	* Each scheme's official portal (linked above).
	+	* Ministry budget documents + scheme operational guidelines.
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI]] (composite, identifying details removed).
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience minorities schemes welfare government-india}}

Government schemes for MSME entrepreneurs in India (2026)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 18:53:31 +0000

2026/04/25 21:01	current
Line 1:	Line 1:
	+	{{htmlmetatags>
	+	metatag-keywords=(msme schemes india, mudra loan, stand up india, pmegp, gem portal, msme registration scheme, startup india)
	+	metatag-description=(Complete list of central + state schemes for MSME entrepreneurs. Mudra (loan up to Rs 10L), Stand-Up India (Rs 10L-1Cr for SC/ST/women), PMEGP (margin money), %%GeM%%, ZED.)
	+	}}

	+	====== Government schemes for MSME entrepreneurs in India (2026) ======
	+
	+	{{ :social:auto:audience-msme-entrepreneurs.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: Indian MSMEs have 40+ central schemes plus 100+ state schemes. Credit (Mudra Rs 10L, Stand-Up India Rs 10L-1Cr, PMEGP, MSME Champions); Markets (%%GeM%% portal — 1.4 lakh sellers, MSE-Procurement Policy 25% reservation); Quality (ZED certification, Lean Manufacturing); Technology (%%TReDS%%, Digital MSME); Infra (CGSSI guarantee, MSE-CDP cluster development); Skill (PMKVY, NSDC). Udyam Registration is the gateway — required for all benefits.
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	Indian MSME (Micro/Small/Medium per Udyam Registration). Some schemes: women / SC / ST / specific sectors get higher subsidies.
	+
	+	===== Top 12 schemes =====
	+
	+	==== 1. Udyam Registration (MSME) ====
	+	Free MSME registration — gateway to all benefits. Auto-classification based on investment + turnover. Aadhaar + PAN + GSTIN.
	+
	+	* Where to apply: Udyam portal
	+	* Official portal: [[https://udyamregistration.gov.in\|https://udyamregistration.gov.in]]
	+
	+	==== 2. Pradhan Mantri Mudra Yojana (PMMY) ====
	+	Loan up to Rs 10L for non-corporate, non-farm small enterprise. Three tiers: Shishu (≤Rs 50K), Kishor (Rs 50K-5L), Tarun (Rs 5-10L). No collateral.
	+
	+	* Where to apply: Mudra portal / banks
	+	* Official portal: [[https://www.mudra.org.in\|https://www.mudra.org.in]]
	+
	+	==== 3. Stand-Up India ====
	+	Loan Rs 10L-1Cr for women + SC/ST entrepreneurs for greenfield enterprise. 75% loan + 25% margin. Portal connects banks.
	+
	+	* Where to apply: Standup Mitra
	+	* Official portal: [[https://www.standupmitra.in\|https://www.standupmitra.in]]
	+
	+	==== 4. Prime Minister's Employment Generation Programme (PMEGP) ====
	+	Margin money subsidy 15-35% on bank loan up to Rs 50L (manufacturing) / Rs 20L (service). KVIC / state nodal.
	+
	+	* Where to apply: KVIC PMEGP portal
	+	* Official portal: [[https://www.kviconline.gov.in/pmegp\|https://www.kviconline.gov.in/pmegp]]
	+
	+	==== 5. Government e-Marketplace (%%GeM%%) ====
	+	B2G e-procurement platform — 1.4 lakh MSME sellers. 25% procurement from MSEs (4% for SC/ST). Free registration.
	+
	+	* Where to apply: %%GeM%% portal
	+	* Official portal: [[https://gem.gov.in\|https://gem.gov.in]]
	+
	+	==== 6. ZED Certification (Zero Defect Zero Effect) ====
	+	50-80% subsidy on certification fee (Rs 8K-50K). Quality + sustainability. Bronze/Silver/Gold tiers. MSME ministry.
	+
	+	* Where to apply: ZED portal
	+	* Official portal: [[https://www.zed.org.in\|https://www.zed.org.in]]
	+
	+	==== 7. Credit Guarantee Scheme for MSEs (CGTMSE) ====
	+	Govt guarantees collateral-free loan up to Rs 5Cr. Reduced fee for women/NER/SC/ST. CGTMSE-empanelled banks.
	+
	+	* Where to apply: CGTMSE portal
	+	* Official portal: [[https://www.cgtmse.in\|https://www.cgtmse.in]]
	+
	+	==== 8. MSME Champions Portal ====
	+	Single-window grievance + scheme converger for MSMEs. Real-time tracking.
	+
	+	* Where to apply: MSME Champions
	+	* Official portal: [[https://champions.gov.in\|https://champions.gov.in]]
	+
	+	==== 9. %%TReDS%% (Trade Receivables Discounting) ====
	+	MSME bills discounting platform. Fast cash flow against approved invoices. RXIL, Mynd, A.%%TReDS%%.
	+
	+	* Where to apply: RBI-licensed %%TReDS%%
	+	* Official portal: [[https://m1xchange.com\|https://m1xchange.com]]
	+
	+	==== 10. Lean Manufacturing Competitiveness Scheme ====
	+	80% subsidy on Lean consultancy for SMEs. ~Rs 36L per cluster.
	+
	+	* Where to apply: NPC + State Nodal
	+	* Official portal: [[https://www.npcindia.gov.in/lean-manufacturing\|https://www.npcindia.gov.in/lean-manufacturing]]
	+
	+	==== 11. Procurement & Marketing Support (PMS) ====
	+	Subsidy on participation in trade fairs (domestic 50%, international 75%). MSME Ministry.
	+
	+	* Where to apply: MSME Ministry
	+	* Official portal: [[https://msme.gov.in\|https://msme.gov.in]]
	+
	+	==== 12. NSIC Schemes (for SSI) ====
	+	Single-Point Registration (SPRS), raw material assistance, marketing support, performance bank guarantee.
	+
	+	* Where to apply: NSIC portal
	+	* Official portal: [[https://www.nsic.co.in\|https://www.nsic.co.in]]
	+
	+	===== How to apply (general process) =====
	+	Most schemes need Udyam Registration first. Aadhaar + PAN + GSTIN + bank account in entity name. Branch banking (PSU > private) for MSME-friendly servicing.
	+
	+	===== Helplines =====
	+	* MSME Champions Helpdesk — champions.gov.in
	+	* MSME Ministry CPGRAMS — pgportal.gov.in → MSME
	+	* SLBC (State-Level Bankers Committee) — banking issues
	+
	+	===== Common issues + how to handle =====
	+	* Bank refusing Mudra loan — try multiple banks; SLBC coordinator if blocked.
	+	* ZED certification rejected — re-apply after addressing audit observations.
	+	* %%GeM%% seller-rating low — improve TAT + quality; affects procurement.
	+	* %%TReDS%% bills rejected — buyer (corporate) didn't approve. Direct follow-up.
	+
	+	===== If a scheme is delayed or rejected — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Mudra loan denied — multiple banks. Why? ====
	+	Common: poor business plan, low credit score, no collateral assets even for collateral-free. SLBC coordinator helps.
	+
	+	==== Udyam vs Udyog Aadhaar — same? ====
	+	Udyam = updated name (since July 2020). Udyog Aadhaar holders auto-migrated.
	+
	+	==== %%GeM%% — eligible without Udyam? ====
	+	Yes for any seller. But MSME benefits (25% reserve) need Udyam.
	+
	+	==== Stand-Up India — only for women/SC/ST? ====
	+	Yes — for them + greenfield enterprise. General entrepreneurs use Mudra / PMEGP.
	+
	+	==== Scheme delayed > 60 days. Fix? ====
	+	File RTI to scheme nodal + MSME Champions. CPGRAMS parallel.
	+
	+	===== Summary + what to do next =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 12 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
	+
	+	* Browse all 10 audience hubs: [[:audience:start\|All audience hubs]]
	+	* How to apply step-by-step: [[:how-to-apply:start\|25 application guides]]
	+	* Track applications: [[:check-status:start\|25 status-check guides]]
	+	* If stuck — RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|File RTI in 5 minutes]]
	+	* Talk to other citizens: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+	</WRAP>
	+
	+	===== Related reading =====
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook — 100+ scenarios]]
	+
	+	===== Sources =====
	+	* Each scheme's official portal (linked above).
	+	* Ministry budget documents + scheme operational guidelines.
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI]] (composite, identifying details removed).
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience msme-entrepreneurs schemes welfare government-india}}

Government schemes for SC/ST in India — complete list (2026)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 18:53:31 +0000

2026/04/25 21:01	current
Line 1:	Line 1:
	+	{{htmlmetatags>
	+	metatag-keywords=(sc st schemes india, post matric scholarship sc st, stand up india sc st, nsfdc, ntfdc, sc st welfare schemes)
	+	metatag-description=(Complete list of central schemes for SC and ST. Pre/Post-Matric/Top Class/Overseas scholarships. Stand-Up India. NSFDC. NSTFDC. Free coaching. PVTG/SCSP-TSP fund.)
	+	}}

	+	====== Government schemes for SC/ST in India — complete list (2026) ======
	+
	+	{{ :social:auto:audience-sc-st.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: India's 16.6% SC + 8.6% ST population (2011 census, total 25.2%) has 40+ central schemes with dedicated SCSP (Scheduled Castes Sub-Plan) + TSP (Tribal Sub-Plan) earmarked allocations across all ministries. Scholarships (Pre/Post/Top Class/National Overseas), Credit (Stand-Up India, NSFDC, NSTFDC), Free coaching (PRABAL), Atrocity protection (%%PoA%% Act monetary relief), Particularly Vulnerable Tribal Groups (PVTG) dedicated programmes, Forest Rights (FRA 2006).
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	Indian citizen of Scheduled Caste / Scheduled Tribe per Constitution Schedule. Caste cert mandatory. Income < Rs 2.5L for most scholarships.
	+
	+	===== Top 12 schemes =====
	+
	+	==== 1. Pre-Matric SC/ST Scholarship ====
	+	Class 1-10. Rs 350-750/month + book + uniform. Income < Rs 2.5L. NSP.
	+
	+	* Where to apply: NSP
	+	* Official portal: [[https://scholarships.gov.in\|https://scholarships.gov.in]]
	+
	+	==== 2. Post-Matric SC/ST Scholarship ====
	+	Class 11+ to %%PhD%%. Rs 230-3,000/month + tuition (full). Income < Rs 2.5L. Top-priority scheme.
	+
	+	* Where to apply: NSP
	+	* Official portal: [[https://scholarships.gov.in\|https://scholarships.gov.in]]
	+
	+	==== 3. Top Class Education Scheme (SC/ST) ====
	+	For 270 institutions (IITs, IIMs, NITs, AIIMS etc.). Full tuition + Rs 86,000/year. Income < Rs 8L.
	+
	+	* Where to apply: NSP
	+	* Official portal: [[https://socialjustice.gov.in\|https://socialjustice.gov.in]]
	+
	+	==== 4. National Overseas Scholarship (NOSGS) ====
	+	Up to Rs 80L for masters/%%PhD%% abroad. 125 SC + ~25 ST selections/year. Income < Rs 8L.
	+
	+	* Where to apply: Min of Social Justice / Tribal Affairs
	+	* Official portal: [[https://socialjustice.gov.in\|https://socialjustice.gov.in]]
	+
	+	==== 5. National Fellowship for SC/ST (UGC) ====
	+	%%PhD%% fellowship Rs 31K-35K/month + research grant. ~2,000 SC + 750 ST selections/year. UGC.
	+
	+	* Where to apply: UGC NFS portal
	+	* Official portal: [[https://www.ugc.ac.in\|https://www.ugc.ac.in]]
	+
	+	==== 6. Stand-Up India (SC/ST) ====
	+	Loan Rs 10L-1Cr for SC/ST entrepreneur. 75% loan + 25% margin. Greenfield enterprise. Banks via standupmitra.in.
	+
	+	* Where to apply: Standup Mitra
	+	* Official portal: [[https://www.standupmitra.in\|https://www.standupmitra.in]]
	+
	+	==== 7. NSFDC (National SC Financing Development Corporation) ====
	+	Loans Rs 50K-30L for self-employment + education. 6% interest (women: 5%). State Channelizing Agency.
	+
	+	* Where to apply: NSFDC
	+	* Official portal: [[https://nsfdc.nic.in\|https://nsfdc.nic.in]]
	+
	+	==== 8. NSTFDC (National Scheduled Tribes Finance & Development Corp) ====
	+	Same as NSFDC but for ST. Loans + skill + marketing.
	+
	+	* Where to apply: NSTFDC
	+	* Official portal: [[https://nstfdc.nic.in\|https://nstfdc.nic.in]]
	+
	+	==== 9. PRABAL (Free Coaching) ====
	+	Free coaching for civil services, JEE, NEET, banking. SC/ST/OBC. 100% govt-funded. Empanelled centres.
	+
	+	* Where to apply: Min of Social Justice
	+	* Official portal: [[https://socialjustice.gov.in\|https://socialjustice.gov.in]]
	+
	+	==== 10. SC/ST Atrocity Prevention Act 1989 — Monetary Relief ====
	+	Rs 85,000-8.25L compensation depending on offence + SLA. Apply at SP/DM. Time-bound disposal.
	+
	+	* Where to apply: DM / State SC ST Welfare
	+	* Official portal: [[https://socialjustice.gov.in\|https://socialjustice.gov.in]]
	+
	+	==== 11. PVTG (Particularly Vulnerable Tribal Groups) ====
	+	75 PVTG groups. Targeted health + education + livelihood. Min of Tribal Affairs.
	+
	+	* Where to apply: Min of Tribal Affairs
	+	* Official portal: [[https://tribal.gov.in\|https://tribal.gov.in]]
	+
	+	==== 12. Forest Rights Act 2006 ====
	+	Forest land titles + community forest rights for ST. Apply at Gram Sabha → SDLC → DLC.
	+
	+	* Where to apply: Min of Tribal Affairs
	+	* Official portal: [[https://tribal.gov.in/forest-rights-act\|https://tribal.gov.in/forest-rights-act]]
	+
	+	===== How to apply (general process) =====
	+	NSP for scholarships, NSFDC/NSTFDC for loans, sector-specific portals. Common docs: Aadhaar, caste cert (matching state SC/ST list), income cert, education proof.
	+
	+	===== Helplines =====
	+	* Min of Social Justice (SC) — 011-23381390
	+	* Min of Tribal Affairs (ST) — 011-23383586
	+	* State SC/ST Welfare Department
	+	* National Commission for SC: 011-24604200
	+	* National Commission for ST: 011-26113344
	+
	+	===== Common issues + how to handle =====
	+	* Caste cert from another state — re-apply in current state with father's caste cert + 10th cert.
	+	* Stand-Up India bank refusal — banks have flexibility; SLBC + SCMM coordinator help.
	+	* Atrocity Act compensation delayed — SLA-bound (1 month for FIR-stage relief). RTI to SP + DM.
	+	* FRA claim rejected at SDLC — appeal to DLC then SLMC then HC.
	+
	+	===== If a scheme is delayed or rejected — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:rti-for-scholarship-status\|Open the RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== SC list — same nationwide? ====
	+	Largely yes (Presidential SC Order 1950 + amendments). State variations rare. Move = re-apply caste cert in new state.
	+
	+	==== Stand-Up India for general entrepreneur — possible? ====
	+	No — only women + SC/ST + greenfield. General entrepreneurs use Mudra / PMEGP.
	+
	+	==== NSFDC interest rate — really 6%? ====
	+	Yes — through State Channelizing Agency. Compares vs commercial 12-15%. Women: 5%.
	+
	+	==== PRABAL coaching — admission criteria? ====
	+	Income < Rs 8L (general SC/ST/OBC) + entrance test by empanelled coaching centre. ~5,000 selections/year/centre.
	+
	+	==== Scholarship delayed > 90 days. Fix? ====
	+	File RTI to Institution + DNO + State Nodal. Use [[:rti-for-scholarship-status\|scholarship RTI generator]].
	+
	+	===== Summary + what to do next =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 12 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
	+
	+	* Browse all 10 audience hubs: [[:audience:start\|All audience hubs]]
	+	* How to apply step-by-step: [[:how-to-apply:start\|25 application guides]]
	+	* Track applications: [[:check-status:start\|25 status-check guides]]
	+	* If stuck — RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|File RTI in 5 minutes]]
	+	* Talk to other citizens: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+	</WRAP>
	+
	+	===== Related reading =====
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook — 100+ scenarios]]
	+
	+	===== Sources =====
	+	* Each scheme's official portal (linked above).
	+	* Ministry budget documents + scheme operational guidelines.
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI]] (composite, identifying details removed).
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience sc-st schemes welfare government-india}}

Government schemes for senior citizens in India (2026)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 18:55:47 +0000

2026/04/25 21:01	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(senior citizen schemes india, pension scheme elderly, ayushman 70 plus, vandana yojana, npop, senior citizen welfare)
	+	metatag-description=(Complete list of central + state schemes for senior citizens (60+). Pension, healthcare, free travel, tax breaks, helpline. Plus Sept 2024 Ayushman 70+ universal extension.)
	+	}}

	+	====== Government schemes for senior citizens in India (2026) ======
	+
	+	{{ :social:auto:audience-senior-citizens.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: Indian seniors (60+) have 30+ central schemes. Pension (NSAP-IGNOAPS, Vayoshreshtha), healthcare (Ayushman 70+ universal Sept 2024), banking (Senior Citizen FD 8.2% — 7.5% age bonus), travel (50% rail concession), tax (basic exemption + interest deduction §80TTB), housing (PMAY senior citizen quota), helpline (Elderline 14567). Most schemes automatic on age proof; some need application.
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	Indian citizens 60+ years. Pension schemes also need BPL / SECC criteria.
	+
	+	===== Top 12 schemes =====
	+
	+	==== 1. Ayushman Bharat 70+ (Sept 2024) ====
	+	Rs 5L/year health cover for ALL citizens 70+ regardless of income. Apply at beneficiary.nha.gov.in. Auto-eligible.
	+
	+	* Where to apply: beneficiary.nha.gov.in
	+	* Official portal: [[https://beneficiary.nha.gov.in\|https://beneficiary.nha.gov.in]]
	+
	+	==== 2. NSAP-IGNOAPS ====
	+	Rs 200/month (60-79) / Rs 500/month (80+). BPL only. State adds top-up. Apply at Block Office.
	+
	+	* Where to apply: NSAP portal
	+	* Official portal: [[https://nsap.nic.in\|https://nsap.nic.in]]
	+
	+	==== 3. Senior Citizen Savings Scheme (SCSS) ====
	+	8.2% interest (FY 25-26). Quarterly interest. Min Rs 1,000, max Rs 30L. Tenure 5+3 years. Open at PO/banks.
	+
	+	* Where to apply: India Post / banks
	+	* Official portal: [[https://www.indiapost.gov.in/Financial/Pages/Content/SCSS.aspx\|https://www.indiapost.gov.in/Financial/Pages/Content/SCSS.aspx]]
	+
	+	==== 4. PM Vaya Vandana Yojana (PMVVY) ====
	+	Pension scheme for 60+ via LIC. 7.4% return. Closed for new from March 2023. Existing continue.
	+
	+	* Where to apply: LIC India
	+	* Official portal: [[https://licindia.in\|https://licindia.in]]
	+
	+	==== 5. Vayoshreshtha Sammana ====
	+	National award + monetary recognition for senior citizens excelling in service. Apply via state DM.
	+
	+	* Where to apply: Min of Social Justice
	+	* Official portal: [[https://socialjustice.gov.in\|https://socialjustice.gov.in]]
	+
	+	==== 6. Rashtriya Vayoshri Yojana (RVY) ====
	+	Free aids + assistive devices for BPL elderly. Walking sticks, hearing aids, dentures, spectacles. Camp-based.
	+
	+	* Where to apply: ALIMCO / Block office
	+	* Official portal: [[https://alimco.in/rashtriya-vayoshri\|https://alimco.in/rashtriya-vayoshri]]
	+
	+	==== 7. Indira Gandhi National Widow Pension (IGNWPS) ====
	+	Rs 300/month (40-79) / Rs 500 (80+). For widows. BPL. Block Office.
	+
	+	* Where to apply: NSAP portal
	+	* Official portal: [[https://nsap.nic.in\|https://nsap.nic.in]]
	+
	+	==== 8. Senior Citizen Rail Concession ====
	+	40% (men) / 50% (women) on rail fare. AC + non-AC. ID proof at booking. (Suspended 2020-2024; restoration debated 2025.)
	+
	+	* Where to apply: IRCTC
	+	* Official portal: [[https://www.irctc.co.in\|https://www.irctc.co.in]]
	+
	+	==== 9. Income Tax §80TTB ====
	+	Rs 50,000/year deduction on interest from FD/savings/PO. Only for 60+. Auto-claim in ITR.
	+
	+	* Where to apply: Income Tax e-filing
	+	* Official portal: [[https://www.incometax.gov.in\|https://www.incometax.gov.in]]
	+
	+	==== 10. Elderline 14567 ====
	+	24x7 helpline for elderly — counselling, scheme info, abuse prevention, grievance. Free.
	+
	+	* Where to apply: Toll-free 14567
	+	* Official portal: [[https://socialjustice.gov.in/schemes\|https://socialjustice.gov.in/schemes]]
	+
	+	==== 11. PMAY Senior Citizen Quota ====
	+	Reserved units in PMAY-U projects for senior citizens. State govt notifies.
	+
	+	* Where to apply: pmay-urban.gov.in
	+	* Official portal: [[https://pmay-urban.gov.in\|https://pmay-urban.gov.in]]
	+
	+	==== 12. Maintenance + Welfare of Parents Act 2007 ====
	+	Children legally bound to maintain parents. Tribunal at SDM. Pension orders enforceable.
	+
	+	* Where to apply: SDM / Maintenance Tribunal
	+	* Official portal: [[https://socialjustice.gov.in\|https://socialjustice.gov.in]]
	+
	+	===== How to apply (general process) =====
	+	Each scheme has own portal. Common docs: Aadhaar (with age proof), bank account, pension order (if pensioner), Ayushman SECC verification. Block / Tehsildar offices most common.
	+
	+	===== Helplines =====
	+	* Elderline 14567 — 24x7 toll-free
	+	* State Department of Social Justice — varies
	+	* %%HelpAge%% India — non-govt but well-networked: 1800-180-1253
	+
	+	===== Common issues + how to handle =====
	+	* Aadhaar age different from school cert — pick most authoritative for pension; affidavit if needed.
	+	* NSAP pension delayed — file RTI to BDO; common 2-6 month backlogs.
	+	* Ayushman 70+ rejected by state — Sept 2024 norm rolled out gradually; appeal to State Health Agency.
	+	* SCSS limit Rs 30L exhausted — split between spouses (Rs 30L each).
	+
	+	===== If a scheme is delayed or rejected — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:rti-for-pension-delay\|Open the RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Ayushman 70+ — really income-free? ====
	+	Yes from Sept 2024. Rs 5L/year health cover for any citizen 70+ regardless of income. SECC criteria don't apply.
	+
	+	==== PMVVY closed — alternative? ====
	+	SCSS (8.2%) + Senior Citizen FD at banks (7.5%). LIC Jeevan Akshay (annuity).
	+
	+	==== My pension is Rs 200/month — top-up? ====
	+	State govt adds top-up (Rs 300-1,500 in different states). Plus widow / disability adds another Rs 200-500.
	+
	+	==== Children won't maintain me — legal route? ====
	+	File application at SDM under Maintenance & Welfare of Parents Act. Up to Rs 10,000/month order; enforceable as decree.
	+
	+	==== Pension delayed > 6 months. Fix? ====
	+	File RTI to BDO + Block Programme Officer. Use [[:rti-for-pension-delay\|pension RTI generator]].
	+
	+	===== Summary + what to do next =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 12 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
	+
	+	* Browse all 10 audience hubs: [[:audience:start\|All audience hubs]]
	+	* How to apply step-by-step: [[:how-to-apply:start\|25 application guides]]
	+	* Track applications: [[:check-status:start\|25 status-check guides]]
	+	* If stuck — RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|File RTI in 5 minutes]]
	+	* Talk to other citizens: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+	</WRAP>
	+
	+	===== Related reading =====
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook — 100+ scenarios]]
	+
	+	===== Sources =====
	+	* Each scheme's official portal (linked above).
	+	* Ministry budget documents + scheme operational guidelines.
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI]] (composite, identifying details removed).
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience senior-citizens schemes welfare government-india}}

Government schemes by audience — find what applies to you

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 18:53:31 +0000

2026/04/25 21:01	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(government schemes india, scheme finder, audience schemes, women schemes, farmer schemes, msme schemes, senior citizen schemes)
	+	metatag-description=(10 audience-hub landing pages aggregating central + state schemes by audience: women, students, senior citizens, farmers, MSME, unorganised workers, Divyangjan, minorities, SC/ST, children. With portals + helplines + RTI fallback.)
	+	}}

	+	====== Government schemes by audience — find what applies to you ======
	+
	+	<WRAP info>
	+	10 hub pages aggregating India's central + state schemes by who you are. Each hub: 8-12 top schemes with eligibility + portal + how to apply + helpline + RTI fallback if delayed. Single landing page so you don't have to dig through ministry websites.
	+	</WRAP>
	+
	+	===== Browse by audience =====
	+
	+	* [[:audience:women\|Schemes for women]] — PMMVY, Ujjwala, SSY, BBBP, Stand-Up India, Mahila Samman + 30 more
	+	* [[:audience:students\|Schemes for students]] — NSP, Vidya Lakshmi, PRABAL, SWAYAM, NOSGS, Inspire + 60 more
	+	* [[:audience:senior-citizens\|Schemes for senior citizens (60+)]] — Ayushman 70+, NSAP, SCSS, Vayoshreshtha + 25 more
	+	* [[:audience:farmers\|Schemes for farmers]] — PM-KISAN, KCC, PMFBY, e-NAM, MSP, Soil Health + 40 more
	+	* [[:audience:msme-entrepreneurs\|Schemes for MSME entrepreneurs]] — Udyam, Mudra, Stand-Up India, PMEGP, %%GeM%%, ZED + 30 more
	+	* [[:audience:unorganised-workers\|Schemes for unorganised workers]] — e-Shram, PMSYM, PMSBY, PMJJBY, BOCW + 15 more
	+	* [[:audience:divyangjan-pwd\|Schemes for Divyangjan (%%PwD%%)]] — UDID, ADIP, Pre/Post-Matric, NHFDC + 25 more
	+	* [[:audience:minorities\|Schemes for minorities]] — Pre/Post/MCM Scholarships, MANF, Seekho aur Kamao, NMDFC + 12 more
	+	* [[:audience:sc-st\|Schemes for SC/ST]] — Pre/Post/Top Class/NOSGS Scholarships, Stand-Up India, NSFDC, NSTFDC + 35 more
	+	* [[:audience:children-below-18\|Schemes for children (under 18)]] — ICDS, PM-POSHAN, RTE, BBBP, SSY, Childline 1098 + 25 more
	+
	+	===== When something is delayed =====
	+	Every audience hub ends with an RTI escalation template — most delayed scheme benefits clear within 15 days of an RTI being filed.
	+
	+	* AI RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|Auto-fill PIO + Act sections]]
	+	* Re-apply / fresh apply: [[:how-to-apply:start\|25 application guides]]
	+	* If rejected: [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* Track existing applications: [[:check-status:start\|25 status-check guides]]
	+	* Required documents reference: [[:documents:start\|30 documents-required checklists]]
	+	* State portals: [[:state-rti-portals-directory\|All state RTI portals]]
	+	* Talk to citizens like you: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience landing-page schemes welfare government-india}}

Government schemes for students in India — scholarships, loans, exam aids (2026)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 18:55:47 +0000

2026/04/25 21:01	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(student schemes india, scholarship for students, education loan, neet scholarship, jee scholarship, free coaching scheme)
	+	metatag-description=(Complete list of central + state schemes for students. NSP scholarships, education loans (Vidya Lakshmi), free coaching (PRABAL), digital learning (SWAYAM), study abroad (NOSGS).)
	+	}}

	+	====== Government schemes for students in India — scholarships, loans, exam aids (2026) ======
	+
	+	{{ :social:auto:audience-students.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: 70+ central + 200+ state scholarships for Indian students. Pre-Matric (class 1-10), Post-Matric (class 11+), Top Class (premier institutions), Merit-cum-Means (technical), Minority, Disabled. Plus: education loan (Vidya Lakshmi portal — banks compete), free coaching (PRABAL for SC/ST/OBC), digital learning (SWAYAM, DIKSHA, e-PG Pathshala), study abroad (National Overseas Scholarship Scheme).
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	Indian students. Income ceiling Rs 2L (OBC) / Rs 2.5L (SC/ST) / Rs 8L (EWS, Top Class) for most. Marks ≥ 50% (general) / 60% (Top Class).
	+
	+	===== Top 12 schemes =====
	+
	+	==== 1. National Scholarship Portal (NSP) ====
	+	80+ scholarships unified portal. Pre-Matric, Post-Matric, Top Class. Apply Aug-Oct annually. DBT to Aadhaar-linked bank.
	+
	+	* Where to apply: NSP scholarships.gov.in
	+	* Official portal: [[https://scholarships.gov.in\|https://scholarships.gov.in]]
	+
	+	==== 2. Vidya Lakshmi (Education Loan) ====
	+	Single portal for 38+ banks' education loans. 4-12% interest. Up to Rs 10L unsecured / Rs 1Cr+ secured. Apply once, multiple offers.
	+
	+	* Where to apply: Vidya Lakshmi portal
	+	* Official portal: [[https://www.vidyalakshmi.co.in\|https://www.vidyalakshmi.co.in]]
	+
	+	==== 3. PRABAL (Free Coaching for SC/ST/OBC) ====
	+	Free coaching for civil services, JEE, NEET, banking. 100% govt-funded. Apply at empanelled centres.
	+
	+	* Where to apply: Ministry of Social Justice
	+	* Official portal: [[https://socialjustice.gov.in/schemes\|https://socialjustice.gov.in/schemes]]
	+
	+	==== 4. SWAYAM Free Online Courses ====
	+	2,000+ courses from IITs/IIMs/Universities. Free + credits via SWAYAM platform. Class 9 to %%PhD%%.
	+
	+	* Where to apply: SWAYAM portal
	+	* Official portal: [[https://swayam.gov.in\|https://swayam.gov.in]]
	+
	+	==== 5. DIKSHA (Class 1-12) ====
	+	NCERT-aligned content for school students. Hindi + 10+ regional languages. Free. App + web.
	+
	+	* Where to apply: DIKSHA portal
	+	* Official portal: [[https://diksha.gov.in\|https://diksha.gov.in]]
	+
	+	==== 6. National Overseas Scholarship (NOSGS) ====
	+	For SC/ST/%%PwD%% students. Up to Rs 80L for masters/%%PhD%% abroad. ~125 selections/year.
	+
	+	* Where to apply: Ministry of Social Justice
	+	* Official portal: [[https://socialjustice.gov.in/scheme/52\|https://socialjustice.gov.in/scheme/52]]
	+
	+	==== 7. PM-USP Yashasvi (Top Class) ====
	+	Pre-matric + post-matric for OBC, EBC, DNT students in Class 9+ at top institutions. Income < Rs 2.5L.
	+
	+	* Where to apply: NSP / scholarships.gov.in
	+	* Official portal: [[https://yet.nta.ac.in\|https://yet.nta.ac.in]]
	+
	+	==== 8. AICTE Pragati Scholarship for Girls ====
	+	Rs 30,000/year for girl students in technical education. Family income < Rs 8L. 5,000 selections/year.
	+
	+	* Where to apply: AICTE portal
	+	* Official portal: [[https://www.aicte-pragati-saksham-gov.in\|https://www.aicte-pragati-saksham-gov.in]]
	+
	+	==== 9. Inspire Scholarship (Science) ====
	+	Rs 80,000/year for science stream students (B.Sc/Int M.Sc). Top 1% in 12th. 10,000 selections/year.
	+
	+	* Where to apply: Inspire portal
	+	* Official portal: [[https://www.online-inspire.gov.in\|https://www.online-inspire.gov.in]]
	+
	+	==== 10. National Means-cum-Merit Scholarship (NMMS) ====
	+	Class 8 to 12. Rs 12,000/year. State exam cleared. Income < Rs 3.5L. State-administered.
	+
	+	* Where to apply: State Education Dept
	+	* Official portal: [[https://scholarships.gov.in\|https://scholarships.gov.in]]
	+
	+	==== 11. UDAAN (CBSE for girls in JEE prep) ====
	+	Free coaching + online + offline for girls preparing JEE. SC/ST/Minority/EWS. CBSE-administered.
	+
	+	* Where to apply: CBSE Udaan portal
	+	* Official portal: [[https://cbseacademic.nic.in/udaan.html\|https://cbseacademic.nic.in/udaan.html]]
	+
	+	==== 12. PM Vidya Lakshmi (%%DigiLocker%%) ====
	+	Digital education loan certificate via %%DigiLocker%%. Single-window education loan EAS-based.
	+
	+	* Where to apply: %%DigiLocker%%
	+	* Official portal: [[https://digilocker.gov.in\|https://digilocker.gov.in]]
	+
	+	===== How to apply (general process) =====
	+	NSP for scholarships, Vidya Lakshmi for loans, sector-specific portals (Inspire, AICTE, SWAYAM) for niche. Common docs: Aadhaar, caste/income/disability cert, marksheet, fee receipt, bank account.
	+
	+	===== Helplines =====
	+	* Student helpline 0120-6619540 (NSP) — 9 AM-9 PM
	+	* Education Ministry CPGRAMS — pgportal.gov.in
	+	* State Education Dept helpdesks — vary by state
	+
	+	===== Common issues + how to handle =====
	+	* Multiple scholarships claimed — NSP auto-blocks duplicates; only one scheme per year DBT.
	+	* Caste/income cert expired — must be current FY. Re-apply at Tehsildar.
	+	* Bank Aadhaar de-linked — DBT bounces. Visit bank for NPCI mapper.
	+	* IV verifier didn't act — escalate to Principal + DNO. Most "rejections" are IV pending.
	+
	+	===== If a scheme is delayed or rejected — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:rti-for-scholarship-status\|Open the RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Can I apply for NSP + state scholarship? ====
	+	Yes — NSP allows registration for both. Disbursal under one scheme per year (whichever higher).
	+
	+	==== Education loan — collateral mandatory? ====
	+	Up to Rs 7.5L: no collateral. Above: collateral or co-borrower (parent). PSU banks more flexible than private.
	+
	+	==== Inspire Scholarship — only science stream? ====
	+	Yes — B.Sc / Integrated M.Sc. Engineering / medicine excluded.
	+
	+	==== SWAYAM credits — recognised by my college? ====
	+	Most universities accept SWAYAM credits up to 20% of degree. Check with your university.
	+
	+	==== Scholarship delayed > 90 days. Fix? ====
	+	File RTI to Institution + DNO + State Nodal. Use our [[:rti-for-scholarship-status\|scholarship RTI generator]].
	+
	+	===== Summary + what to do next =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 12 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
	+
	+	* Browse all 10 audience hubs: [[:audience:start\|All audience hubs]]
	+	* How to apply step-by-step: [[:how-to-apply:start\|25 application guides]]
	+	* Track applications: [[:check-status:start\|25 status-check guides]]
	+	* If stuck — RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|File RTI in 5 minutes]]
	+	* Talk to other citizens: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+	</WRAP>
	+
	+	===== Related reading =====
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook — 100+ scenarios]]
	+
	+	===== Sources =====
	+	* Each scheme's official portal (linked above).
	+	* Ministry budget documents + scheme operational guidelines.
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI]] (composite, identifying details removed).
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience students schemes welfare government-india}}

Government schemes for unorganised workers in India (2026)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 18:55:47 +0000

2026/04/25 21:01	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(unorganised workers schemes, eshram, pmsym pension, pmsby insurance, pmjby, unorganised sector welfare)
	+	metatag-description=(Complete list of central schemes for unorganised workers (%%UoW%%). e-Shram registration + PMSBY (Rs 2L insurance free) + PMSYM (Rs 3K pension) + PMJJBY + welfare board.)
	+	}}

	+	====== Government schemes for unorganised workers in India (2026) ======
	+
	+	{{ :social:auto:audience-unorganised-workers.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: 30 crore Indian unorganised workers (%%UoW%%) — domestic workers, gig workers, street vendors, agri labourers, construction workers, fishermen — have 20+ central schemes. e-Shram registration is the gateway (free UAN + Rs 2L PMSBY insurance auto). Pension via PMSYM (Rs 3,000/month after 60). Insurance via PMJJBY (Rs 2L life @ Rs 436/yr) + PMSBY (Rs 2L accident @ Rs 20/yr). Welfare boards state-specific.
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	Unorganised worker (not in EPFO/ESIC). Age 16-59 (PMSYM). All Indian citizens.
	+
	+	===== Top 10 schemes =====
	+
	+	==== 1. e-Shram Registration ====
	+	Free UAN + e-Shram card. Aadhaar OTP. Auto-enrolled in PMSBY (Rs 2L insurance).
	+
	+	* Where to apply: eshram.gov.in
	+	* Official portal: [[https://eshram.gov.in\|https://eshram.gov.in]]
	+
	+	==== 2. PM Shram Yogi Maan-Dhan (PMSYM) ====
	+	Pension Rs 3,000/month after 60. Contribute Rs 55-200/month (age-based). Govt matches. Open at CSC.
	+
	+	* Where to apply: PMSYM portal
	+	* Official portal: [[https://maandhan.in/shramyogi\|https://maandhan.in/shramyogi]]
	+
	+	==== 3. PM Suraksha Bima Yojana (PMSBY) ====
	+	Rs 2L accident insurance + Rs 1L permanent disability. Premium Rs 20/year (auto from bank). Auto for e-Shram registrants first year.
	+
	+	* Where to apply: Banks / Post Office
	+	* Official portal: [[https://jansuraksha.gov.in\|https://jansuraksha.gov.in]]
	+
	+	==== 4. PM Jeevan Jyoti Bima Yojana (PMJJBY) ====
	+	Rs 2L life insurance (any cause). Premium Rs 436/year (auto from bank). Age 18-50 entry; covers up to 55.
	+
	+	* Where to apply: Banks / Post Office
	+	* Official portal: [[https://jansuraksha.gov.in\|https://jansuraksha.gov.in]]
	+
	+	==== 5. Atal Pension Yojana (APY) ====
	+	Pension Rs 1K-5K/month after 60. Auto-debit from bank. Govt 50% co-contribution till 2020. Age 18-40 entry.
	+
	+	* Where to apply: Banks / NPS Lite
	+	* Official portal: [[https://www.npscra.nsdl.co.in/scheme-details.php\|https://www.npscra.nsdl.co.in/scheme-details.php]]
	+
	+	==== 6. Building & Other Construction Workers (BOCW) Welfare Board ====
	+	State-level scheme — health, education, marriage, pension, accident relief for registered construction workers. Rs 50/month subscription.
	+
	+	* Where to apply: State BOCW Welfare Board
	+	* Official portal: [[https://bocw.gov.in\|https://bocw.gov.in]]
	+
	+	==== 7. Fisher Welfare Schemes ====
	+	Pension, accident insurance, training, savings — via state Fisheries Dept + central NFDB.
	+
	+	* Where to apply: NFDB Hyderabad
	+	* Official portal: [[https://nfdb.gov.in\|https://nfdb.gov.in]]
	+
	+	==== 8. Domestic Workers Welfare ====
	+	State-level boards (Tamil Nadu, Kerala, Maharashtra) — pension, insurance, dispute resolution.
	+
	+	* Where to apply: State Labour Dept
	+	* Official portal: [[Varies by state\|Varies by state]]
	+
	+	==== 9. Street Vendors Act 2014 (PM SVANidhi loan) ====
	+	Loan Rs 10K-50K for street vendors with credit history. 7% interest subvention. Apply at banks.
	+
	+	* Where to apply: PM SVANidhi portal
	+	* Official portal: [[https://pmsvanidhi.mohua.gov.in\|https://pmsvanidhi.mohua.gov.in]]
	+
	+	==== 10. %%eShram%%-PMJAY Convergence ====
	+	e-Shram registrants in target categories auto-considered for PMJAY (Ayushman Bharat).
	+
	+	* Where to apply: beneficiary.nha.gov.in
	+	* Official portal: [[https://beneficiary.nha.gov.in\|https://beneficiary.nha.gov.in]]
	+
	+	===== How to apply (general process) =====
	+	e-Shram first (free, OTP-based). Then enroll in PMSBY/PMJJBY/PMSYM via bank or CSC. State welfare boards via Labour Dept.
	+
	+	===== Helplines =====
	+	* e-Shram Helpline 14434 — multilingual
	+	* State Labour Department — varies
	+	* PM SVANidhi: 1800-1800-991
	+
	+	===== Common issues + how to handle =====
	+	* PMSBY claim denied — within 30 days of accident; family applies via UAN holder bank.
	+	* PMSYM enrolment rejected — IT taxpayer or EPFO contributor. Verify before applying.
	+	* State BOCW slow — file RTI to State Welfare Board CEO; many states have 1-3 year backlogs.
	+	* Bank Aadhaar de-linked — DBT for all schemes bounces. Visit bank for NPCI mapper.
	+
	+	===== If a scheme is delayed or rejected — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== e-Shram & PF — both possible? ====
	+	No — e-Shram is for %%UoW%% only. PF holders are organised. If PF inactive (no contribution > 3 years), can register.
	+
	+	==== PMSYM contribution — really get Rs 3,000 pension? ====
	+	Yes — guaranteed by govt. Rs 3,000/month after 60. Indexation not yet applied; review periodic.
	+
	+	==== PMSBY first year free for e-Shram. Year 2? ====
	+	Rs 20/year auto-debit from bank. Renewal in May annually.
	+
	+	==== Construction worker — BOCW slow. Alternative? ====
	+	Try BOCW + PMSBY + PMSYM combination. Many states have UID-linked direct welfare.
	+
	+	==== Scheme stuck > 90 days. Fix? ====
	+	File RTI to scheme nodal. Use [[:citizen-rti-playbook\|RTI Playbook]] template for unorganised welfare.
	+
	+	===== Summary + what to do next =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 10 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
	+
	+	* Browse all 10 audience hubs: [[:audience:start\|All audience hubs]]
	+	* How to apply step-by-step: [[:how-to-apply:start\|25 application guides]]
	+	* Track applications: [[:check-status:start\|25 status-check guides]]
	+	* If stuck — RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|File RTI in 5 minutes]]
	+	* Talk to other citizens: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+	</WRAP>
	+
	+	===== Related reading =====
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook — 100+ scenarios]]
	+
	+	===== Sources =====
	+	* Each scheme's official portal (linked above).
	+	* Ministry budget documents + scheme operational guidelines.
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI]] (composite, identifying details removed).
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience unorganised-workers schemes welfare government-india}}

Government schemes for women in India — complete list (2026)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 14:49:16 +0000

2026/04/25 21:01	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(schemes for women, women government schemes india, women welfare scheme, mahila yojana, beti bachao, ujjwala)
	+	metatag-description=(Complete list of central + state schemes for women in India. Education, health, financial inclusion, safety, entrepreneurship. With eligibility, portal, fee details.)
	+	}}

	+	====== Government schemes for women in India — complete list (2026) ======
	+
	+	{{ :social:auto:audience-women.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: India has 40+ central schemes for women spanning education (Beti Bachao), health (PMMVY maternity benefit), financial inclusion (Sukanya Samriddhi, Mahila Samman), safety (One-Stop Centre), entrepreneurship (Stand-Up India, Mahila E-Haat), and pension (Vandana Yojana). State schemes add another 100+. Most are fully online + free. Aadhaar + bank account in own name is the gateway to all DBT-based women's schemes.
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	Women, generally Indian citizens. Some schemes age-specific (girl child <18 for SSY, expectant mothers for PMMVY). EWS/SC/ST often have higher subsidies.
	+
	+	===== Top 10 schemes =====
	+
	+	==== 1. Sukanya Samriddhi Yojana (SSY) ====
	+	Tax-free savings for girl child (<10 years). 8.2% interest (FY 2025-26). Open at any bank/post office. Min Rs 250/yr, max Rs 1.5L/yr.
	+
	+	* Where to apply: India Post / banks
	+	* Official portal: [[https://www.indiapost.gov.in/Financial/Pages/Content/SSA.aspx\|https://www.indiapost.gov.in/Financial/Pages/Content/SSA.aspx]]
	+
	+	==== 2. Pradhan Mantri Matru Vandana Yojana (PMMVY) ====
	+	Rs 5,000 for first child (Rs 5,000 in 2 instalments) + Rs 6,000 if 2nd child is girl. Pregnant + lactating mothers. Apply at Anganwadi.
	+
	+	* Where to apply: Anganwadi / pmmvy.wcd.gov.in
	+	* Official portal: [[https://wcd.nic.in/schemes/pradhan-mantri-matru-vandana-yojana\|https://wcd.nic.in/schemes/pradhan-mantri-matru-vandana-yojana]]
	+
	+	==== 3. Pradhan Mantri Ujjwala Yojana (PMUY) ====
	+	Free LPG connection for women in BPL families. Refill subsidy Rs 200/cylinder for 12 cylinders/year. Apply at LPG distributor.
	+
	+	* Where to apply: LPG distributor / pmuy.gov.in
	+	* Official portal: [[https://www.pmuy.gov.in\|https://www.pmuy.gov.in]]
	+
	+	==== 4. Beti Bachao Beti Padhao (BBBP) ====
	+	Awareness + scholarship + financial literacy for girl child. State-implemented. Linked to SSY + PMMVY + scholarships.
	+
	+	* Where to apply: District Collector office
	+	* Official portal: [[https://wcd.nic.in/bbbp-schemes\|https://wcd.nic.in/bbbp-schemes]]
	+
	+	==== 5. Stand-Up India ====
	+	Loan Rs 10L–Rs 1Cr for women entrepreneur for greenfield enterprise. 75% loan + 25% margin. SC/ST entrepreneurs also eligible. Banks via standupmitra.in.
	+
	+	* Where to apply: Standup Mitra / banks
	+	* Official portal: [[https://www.standupmitra.in\|https://www.standupmitra.in]]
	+
	+	==== 6. Mahila Samman Savings Certificate (MSSC) ====
	+	Tax-free savings for women. 7.5% interest. Tenure 2 years. Min Rs 1,000, max Rs 2L. Closed for new from March 2025 — check status.
	+
	+	* Where to apply: India Post
	+	* Official portal: [[https://www.indiapost.gov.in/Financial/Pages/Content/Mahila-Samman.aspx\|https://www.indiapost.gov.in/Financial/Pages/Content/Mahila-Samman.aspx]]
	+
	+	==== 7. One-Stop Centre (Sakhi) ====
	+	Integrated support for women affected by violence — medical, legal, psychological, shelter. Free. 24x7. 700+ centres.
	+
	+	* Where to apply: Helpline 181 / nearest OSC
	+	* Official portal: [[https://wcd.nic.in/schemes/one-stop-centre-scheme\|https://wcd.nic.in/schemes/one-stop-centre-scheme]]
	+
	+	==== 8. Mahila Shakti Kendra ====
	+	Block-level women empowerment + legal aid + skill training. State-implemented. Free.
	+
	+	* Where to apply: District Women & Child Development
	+	* Official portal: [[https://wcd.nic.in/schemes/mahila-shakti-kendra\|https://wcd.nic.in/schemes/mahila-shakti-kendra]]
	+
	+	==== 9. Working Women Hostel ====
	+	Subsidised hostel + day care for working women in cities. State + central scheme.
	+
	+	* Where to apply: State Women & Child Development
	+	* Official portal: [[https://wcd.nic.in/schemes/working-women-hostel\|https://wcd.nic.in/schemes/working-women-hostel]]
	+
	+	==== 10. Vandana Yojana ====
	+	Pension for elderly women — state + central versions. NSAP-IGNWPS Rs 300-500/month for widows + 60+.
	+
	+	* Where to apply: Block Development Office
	+	* Official portal: [[https://nsap.nic.in\|https://nsap.nic.in]]
	+
	+	===== How to apply (general process) =====
	+	Most schemes apply via state e-District portal OR sector-specific portal (PMMVY, Standup Mitra, Ujjwala). Common: Aadhaar + bank account in own name + ID + photograph.
	+
	+	===== Helplines =====
	+	* Women Helpline 181 — 24x7 free counselling + connect to schemes
	+	* OSC / Sakhi — visit nearest One-Stop Centre
	+	* National Commission for Women (NCW) — ncw.nic.in / 7827-170-170
	+
	+	===== Common issues + how to handle =====
	+	* Bank account in husband's name only — open own account first; most DBT schemes fail without it.
	+	* Aadhaar address ≠ current — update Aadhaar to current; many schemes verify.
	+	* Multiple PMMVY claims — only first child eligible (with 2nd-girl bonus). Don't double-apply.
	+	* Stand-Up India loan rejection — bank flexibility low; try multiple banks; SLBC coordinator.
	+
	+	===== If a scheme is delayed or rejected — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Which schemes can a woman apply on her own (without male guardian)? ====
	+	All — Aadhaar + own bank account is sufficient. SSY for girl child requires guardian, but funds in girl's name.
	+
	+	==== PMMVY only for first child? What if second is girl? ====
	+	First child: Rs 5,000. Second child if girl: additional Rs 6,000.
	+
	+	==== Mahila Samman Savings closed — alternatives? ====
	+	SSY (8.2%) for girl child; PPF (7.1%) for own. Both tax-free.
	+
	+	==== I lost my Ujjwala connection card. Re-issue? ====
	+	Free re-issue at LPG distributor with Aadhaar + UCN.
	+
	+	==== Scheme delayed beyond timeline? ====
	+	File RTI to scheme nodal officer + State Women & Child Development. Use [[:citizen-rti-playbook\|RTI Playbook]].
	+
	+	===== Summary + what to do next =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 10 central + state schemes available. Aadhaar + bank account in own name + community/income certificate (if applicable) is the gateway. If a scheme is delayed beyond timeline, file an RTI.
	+
	+	* Browse all 10 audience hubs: [[:audience:start\|All audience hubs]]
	+	* How to apply step-by-step: [[:how-to-apply:start\|25 application guides]]
	+	* Track applications: [[:check-status:start\|25 status-check guides]]
	+	* If stuck — RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|File RTI in 5 minutes]]
	+	* Talk to other citizens: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+	</WRAP>
	+
	+	===== Related reading =====
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook — 100+ scenarios]]
	+
	+	===== Sources =====
	+	* Each scheme's official portal (linked above).
	+	* Ministry budget documents + scheme operational guidelines.
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI]] (composite, identifying details removed).
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience women schemes welfare government-india}}

2026/04/25 21:01	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(government schemes india, scheme finder, audience schemes, women schemes, farmer schemes, msme schemes, senior citizen schemes)
	+	metatag-description=(10 audience-hub landing pages aggregating central + state schemes by audience: women, students, senior citizens, farmers, MSME, unorganised workers, Divyangjan, minorities, SC/ST, children. With portals + helplines + RTI fallback.)
	+	}}

	+	====== Government schemes by audience — find what applies to you ======
	+
	+	<WRAP info>
	+	10 hub pages aggregating India's central + state schemes by who you are. Each hub: 8-12 top schemes with eligibility + portal + how to apply + helpline + RTI fallback if delayed. Single landing page so you don't have to dig through ministry websites.
	+	</WRAP>
	+
	+	===== Browse by audience =====
	+
	+	* [[:audience:women\|Schemes for women]] — PMMVY, Ujjwala, SSY, BBBP, Stand-Up India, Mahila Samman + 30 more
	+	* [[:audience:students\|Schemes for students]] — NSP, Vidya Lakshmi, PRABAL, SWAYAM, NOSGS, Inspire + 60 more
	+	* [[:audience:senior-citizens\|Schemes for senior citizens (60+)]] — Ayushman 70+, NSAP, SCSS, Vayoshreshtha + 25 more
	+	* [[:audience:farmers\|Schemes for farmers]] — PM-KISAN, KCC, PMFBY, e-NAM, MSP, Soil Health + 40 more
	+	* [[:audience:msme-entrepreneurs\|Schemes for MSME entrepreneurs]] — Udyam, Mudra, Stand-Up India, PMEGP, %%GeM%%, ZED + 30 more
	+	* [[:audience:unorganised-workers\|Schemes for unorganised workers]] — e-Shram, PMSYM, PMSBY, PMJJBY, BOCW + 15 more
	+	* [[:audience:divyangjan-pwd\|Schemes for Divyangjan (%%PwD%%)]] — UDID, ADIP, Pre/Post-Matric, NHFDC + 25 more
	+	* [[:audience:minorities\|Schemes for minorities]] — Pre/Post/MCM Scholarships, MANF, Seekho aur Kamao, NMDFC + 12 more
	+	* [[:audience:sc-st\|Schemes for SC/ST]] — Pre/Post/Top Class/NOSGS Scholarships, Stand-Up India, NSFDC, NSTFDC + 35 more
	+	* [[:audience:children-below-18\|Schemes for children (under 18)]] — ICDS, PM-POSHAN, RTE, BBBP, SSY, Childline 1098 + 25 more
	+
	+	===== When something is delayed =====
	+	Every audience hub ends with an RTI escalation template — most delayed scheme benefits clear within 15 days of an RTI being filed.
	+
	+	* AI RTI Drafter: [[https://righttoinformation.wiki/tools/rti-application-generator\|Auto-fill PIO + Act sections]]
	+	* Re-apply / fresh apply: [[:how-to-apply:start\|25 application guides]]
	+	* If rejected: [[:rejection-recovery:start\|15 rejection-recovery guides]]
	+	* Track existing applications: [[:check-status:start\|25 status-check guides]]
	+	* Required documents reference: [[:documents:start\|30 documents-required checklists]]
	+	* State portals: [[:state-rti-portals-directory\|All state RTI portals]]
	+	* Talk to citizens like you: [[https://righttoinformation.wiki/tools/awaaz-rti.html\|AwaazRTI community]]
	+
	+	//Last reviewed: 25 April 2026.//
	+
	+	{{tag>audience landing-page schemes welfare government-india}}