Right to Information Wiki

Sukanya Samriddhi Yojana (SSY)

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 09:03:45 +0000

2026/05/03 12:08	current
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	+	{{htmlmetatags>metatag-keywords=(sukanya samriddhi, ssy, girl child savings, sukanya samriddhi 2026, ssy interest rate)
	+	metatag-description=(Sukanya Samriddhi Yojana (SSY) - verified citizen guide on RTI Wiki, India's independent Right to Information reference. Updated 2026 with latest amendments and case)}}

	+	====== Sukanya Samriddhi Yojana (SSY) ======
	+	{{ :social:auto:yojana-sukanya-samriddhi.png?direct&1200 }}
	+
	+	<WRAP info>
	+	8.2% tax-free interest (FY 2025-26). Triple-EEE tax exemption (deposit + interest + maturity).
	+
	+	Launched: 2014 · Issued by: Ministry of Finance / India Post + banks
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Girl child below age 10 (one account per girl, max two girls per family)
	+	* Account opened by parent / legal guardian
	+	* Account matures when girl turns 21 OR upon marriage after 18
	+	* Indian residency required
	+
	+	===== What you get =====
	+	8.2% annual interest (revised quarterly). Triple-EEE tax-exempt: contribution under Section 80C, interest accrued tax-free, maturity tax-free. Minimum Rs 250/year; maximum Rs 1.5L/year. Tenure: 21 years from opening.
	+
	+	===== How to apply (step-by-step) =====
	+	- Visit nearest India Post or authorized bank — SBI, PNB, HDFC, ICICI, Axis etc. all support.
	+	- Submit application + KYC — Birth certificate of girl + Aadhaar of parent + photo + Rs 250 minimum opening deposit.
	+	- Account active immediately — Pass book issued.
	+	- Annual deposits — Anytime in financial year. Minimum Rs 250 to keep active; max Rs 1.5L.
	+	- Withdrawal at age 18 (50%) or 21 (full) — For higher education or marriage.
	+	- Closure on marriage post-18 — Optional early closure on marriage.
	+
	+	===== Documents needed =====
	+	* Birth certificate of girl
	+	* Aadhaar of parent / guardian
	+	* Photograph of girl
	+	* Address proof
	+
	+	===== Timeline =====
	+	Account active from same day. Maturity: 21 years from opening OR girl's marriage post-18.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://indiapost.gov.in\|indiapost.gov.in]]
	+	* Helpline: India Post: 1924
	+
	+	===== Common issues =====
	+	* Account inactive — no deposit for a year. Reactivate by paying Rs 50 penalty + min Rs 250.
	+	* Maximum 2 SSY accounts per family — third girl gets account only on twin/triplet birth.
	+	* Withdrawal denied — only on completion of 21 years OR marriage post-18 OR education at age 18 (50% withdrawal).
	+	* Interest rate dropped — Q-rate revised quarterly; lock-in for 21 years means averaging effect.
	+
	+	===== Benefit 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 AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:women\|All women schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== When can I withdraw? ====
	+	50% at age 18 (for higher education). Full at 21 OR on marriage post-18.
	+
	+	==== Can I open SSY for grand-daughter? ====
	+	Yes if you are legal guardian. Otherwise needs parent.
	+
	+	==== What if girl moves abroad? ====
	+	Account continues to accrue interest. Withdrawal still at 21 or marriage.
	+
	+	==== Tax benefits really triple EEE? ====
	+	Yes — deposit (80C deduction) + interest (tax-free) + maturity (tax-free). Best small-savings instrument.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 8.2% tax-free interest (FY 2025-26). Triple-EEE tax exemption (deposit + interest + maturity). Apply at indiapost.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://indiapost.gov.in\|indiapost.gov.in]]
	+	* If delayed — RTI Drafter: [[:citizen-rti-playbook\|File RTI in 5 minutes]]
	+	* Browse all 150 yojanas: [[:yojana:start\|Sarkari Yojana index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:yojana:start\|All 150 Sarkari Yojanas]]
	+	* [[:check-status:start\|25 status-check guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* [[:audience:start\|10 audience-hub schemes]]
	+	* [[:helplines:start\|32 helplines + grievance routes]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	===== Sources =====
	+	* Official portal: indiapost.gov.in
	+	* Issued by: Ministry of Finance / India Post + banks
	+	* Launched: 2014
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana sukanya-samriddhi}}

Sarkari Yojana — All Government Schemes (2026)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 20:12:07 +0000

2026/05/03 12:08	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(sarkari yojana, sarkari yojana list, government schemes india, sarkari yojana 2026, pm yojana, mukhyamantri yojana)
	+	metatag-description=(47 Sarkari Yojanas — central + state government welfare schemes. Eligibility, benefits, how to apply, RTI escalation if delayed.)
	+	}}

	+	====== Sarkari Yojana — All Government Schemes (2026) ======
	+
	+	<WRAP info>
	+	Complete index of 47 Sarkari Yojanas — central + state welfare schemes. Each page: eligibility, benefits in Rupees, step-by-step application, required documents, common issues, and RTI escalation template if your benefit is delayed.
	+	</WRAP>
	+
	+	===== Central Government Schemes (34) =====
	+
	+	* [[:yojana:ab-abhim-health-infra\|PM Ayushman Bharat Health Infrastructure Mission (PM-ABHIM)]] — Rs 64,180 crore (FY 2021-26) for critical care infra, public health labs, integrated public health surveillance, digital health.
	+	* [[:yojana:abdm-digital-health\|Ayushman Bharat Digital Mission (ABDM)]] — Free 14-digit ABHA Health ID. Optional digital wallet of medical records — accessible anywhere with consent-based sharing.
	+	* [[:yojana:atal-pension-yojana\|Atal Pension Yojana (APY)]] — Guaranteed pension Rs 1,000 / 2,000 / 3,000 / 4,000 / 5,000 per month after age 60, based on contribution + age at entry.
	+	* [[:yojana:ayushman-bharat-pmjay\|Ayushman Bharat (PM-JAY)]] — Rs 5 lakh per family per year cashless at 30,000+ empanelled hospitals — free, no premium.
	+	* [[:yojana:eshram-card\|e-Shram Card]] — Free 12-digit Universal Account Number + auto Rs 2L PMSBY insurance + convergence to PMSYM pension, PM-JAY etc.
	+	* [[:yojana:janani-suraksha-yojana\|Janani Suraksha Yojana (JSY)]] — Rs 700 (urban) / Rs 1,400 (rural) for delivery in govt-empanelled hospital. Plus Rs 300-500 to ASHA worker.
	+	* [[:yojana:jjm-jal-jeevan\|Jal Jeevan Mission]] — Free tap water connection + 55 litres per person per day at safe quality.
	+	* [[:yojana:kisan-credit-card\|Kisan Credit Card (KCC)]] — Crop loan up to Rs 3 lakh at effective 4% interest after subvention. Pre-approved by bank for landholding farmers.
	+	* [[:yojana:mahila-samman-savings\|Mahila Samman Savings Certificate (MSSC)]] — 7.5% interest (q-revised) on max Rs 2 lakh deposit; 2-year tenure. Note: NEW enrolment closed March 2025.
	+	* [[:yojana:mgnrega-job-card\|MGNREGA]] — 100 days of guaranteed unskilled work per household per year. Wage Rs 250-380/day (state-notified). Payment within 15 days.
	+	* [[:yojana:mudra-yojana\|Pradhan Mantri Mudra Yojana (PMMY)]] — Loan Rs 50,000 (Shishu) / Rs 5 lakh (Kishor) / Rs 10 lakh (Tarun) — collateral-free, for non-corporate non-farm small enterprise.
	+	* [[:yojana:national-scholarship-portal\|National Scholarship Portal (NSP)]] — Single portal for 80+ scholarships. SC/ST/OBC/Minority/%%PwD%%/Top Class/Merit-cum-Means. Application Aug-Oct annually.
	+	* [[:yojana:nps-pension\|National Pension System (NPS)]] — Tax-efficient retirement corpus + lifelong pension. 60% lump-sum + 40% mandatory annuity at age 60.
	+	* [[:yojana:pm-kisan-maandhan\|PM Kisan Maandhan]] — Pension Rs 3,000/month after age 60. Govt matches your contribution (Rs 55-200 by age).
	+	* [[:yojana:pm-kisan-samman-nidhi\|PM-KISAN Samman Nidhi]] — Rs 6,000 per year (3 instalments of Rs 2,000) to every landholding farmer family.
	+	* [[:yojana:pm-suryaghar\|PM Surya Ghar]] — Free electricity up to 300 units/month + Rs 30,000-78,000 subsidy on 1-3 kW rooftop solar installation.
	+	* [[:yojana:pm-svanidhi\|PM SVANidhi]] — Working capital loan Rs 10,000 → Rs 20,000 → Rs 50,000 (escalating). 7% interest subvention. Cashback for digital transactions.
	+	* [[:yojana:pm-vishwakarma\|PM Vishwakarma Yojana]] — Rs 15,000 toolkit voucher + Rs 1 lakh loan @ 5% (collateral-free) + Rs 2 lakh expansion loan + Rs 500/day training stipend + 1% interest subvention + marketing support.
	+	* [[:yojana:pmay-gramin\|PMAY-Gramin]] — Rs 1.2 lakh (plain areas) / Rs 1.3 lakh (hilly + NE) direct grant to build a pucca house.
	+	* [[:yojana:pmay-urban\|PMAY-Urban (PMAY-U 2.0)]] — Interest subsidy 3% to 6.5% on home loan up to Rs 6 lakh for EWS / LIG / MIG-I / MIG-II first-home buyers.
	+	* [[:yojana:pmfby-fasal-bima\|Pradhan Mantri Fasal Bima Yojana (PMFBY)]] — Up to 90% of insured crop loss compensated. Farmer share: 1.5% (rabi) / 2% (kharif) / 5% (commercial) of sum insured.
	+	* [[:yojana:pmjjby-jeevan-jyoti\|PM Jeevan Jyoti Bima Yojana (PMJJBY)]] — Rs 2 lakh life cover (any cause of death) for premium Rs 436/year (auto-debit).
	+	* [[:yojana:pmkvy-skill-india\|Pradhan Mantri Kaushal Vikas Yojana (PMKVY)]] — Free 200-600 hour skill training + government certification + Rs 8,000 post-training assistance.
	+	* [[:yojana:pmmvy-matru-vandana\|Pradhan Mantri Matru Vandana Yojana (PMMVY)]] — Rs 5,000 for first child + Rs 6,000 additional if second child is a girl (total Rs 11,000 across 2 children).
	+	* [[:yojana:pmsby-suraksha-bima\|PM Suraksha Bima Yojana (PMSBY)]] — Rs 2 lakh accidental death / total disability + Rs 1 lakh partial disability cover, premium just Rs 20/year (auto-debit).
	+	* [[:yojana:pmsym-shram-yogi\|PM Shram Yogi Maan-Dhan (PMSYM)]] — Pension Rs 3,000/month after age 60. Govt contributes 50% of your monthly contribution (Rs 55-200 by age).
	+	* [[:yojana:ration-card-nfsa\|Ration Card (NFSA)]] — 5 kg foodgrain per person per month at Rs 1 (rice/wheat) — free under PMGKAY through Dec 2029.
	+	* [[:yojana:saubhagya-yojana\|Saubhagya]] — Free electricity connection: LED bulbs, meter, service line up to 60 metres + 5 LED bulbs.
	+	* [[:yojana:sbm-swachh-bharat\|Swachh Bharat Mission]] — Rs 12,000 subsidy per BPL household for toilet construction. SBM-G (rural) + SBM-U (urban).
	+	* [[:yojana:soil-health-card\|Soil Health Card]] — Free soil test + customised nutrient recommendations + crop-specific advisory; updated every 2 years.
	+	* [[:yojana:startup-india\|Startup India]] — DPIIT recognition + 3-year tax holiday + Rs 50 lakh in seed grants + IPR fast-track + %%GeM%% access + IPO simplifications.
	+	* [[:yojana:sukanya-samriddhi\|Sukanya Samriddhi Yojana (SSY)]] — 8.2% tax-free interest (FY 2025-26). Triple-EEE tax exemption (deposit + interest + maturity).
	+	* [[:yojana:udyam-msme-registration\|Udyam Registration (MSME)]] — Free 19-digit Udyam Registration Number — gateway to priority sector loans, %%GeM%% listing, late-payment protection, tender preferences.
	+	* [[:yojana:ujjwala-yojana\|PM Ujjwala Yojana (PMUY)]] — Free LPG connection (regulator + first refill) in woman's name + Rs 200/cylinder subsidy on 12 refills per year.
	+
	+	===== State Government Schemes (13) =====
	+
	+	==== Andhra Pradesh (1) ====
	+	* [[:yojana:ysr-aarogyasri-ap\|Dr YSR Aarogyasri]] — Rs 5 lakh basic + up to Rs 25 lakh for tertiary care, per family per year. Free.
	+
	+	==== Assam (1) ====
	+	* [[:yojana:orunodoi-assam\|Orunodoi Yojana]] — Rs 1,250 per month direct to bank account of woman head of family.
	+
	+	==== Karnataka (2) ====
	+	* [[:yojana:annabhagya-karnataka\|Anna Bhagya]] — 7 kg rice per person per month at Re 1/kg (effectively free post-2024 expansion).
	+	* [[:yojana:gruha-lakshmi-karnataka\|Gruha Lakshmi Yojana]] — Rs 2,000 per month direct to bank account of woman head of family.
	+
	+	==== Madhya Pradesh (1) ====
	+	* [[:yojana:ladli-behna-mp\|Ladli Behna Yojana]] — Rs 1,250 per month direct to woman bank account, age 21-60.
	+
	+	==== Maharashtra (2) ====
	+	* [[:yojana:ladki-bahin-yojana\|Mukhyamantri Majhi Ladki Bahin Yojana]] — Rs 1,500 per month direct to bank account of woman, age 21-65, in eligible Maharashtra household.
	+	* [[:yojana:mukhyamantri-yuva-karya\|Mukhyamantri Yuva Karya Prashikshan Yojana]] — Stipend Rs 6,000-10,000/month for 6 months internship in approved company.
	+
	+	==== Odisha (1) ====
	+	* [[:yojana:kalia-yojana-odisha\|KALIA Yojana]] — Rs 25,000 direct income support over 5 seasons + Rs 12,500 livelihood asset support + Rs 2L life insurance.
	+
	+	==== Rajasthan (1) ====
	+	* [[:yojana:chiranjeevi-rajasthan\|Mukhyamantri Chiranjeevi Health Insurance]] — Rs 25 lakh health cover + Rs 10 lakh accident cover per family per year. Cashless.
	+
	+	==== Tamil Nadu (2) ====
	+	* [[:yojana:annapurna-canteen-tn\|Amma Unavagam]] — Hot meals at Re 1 (idli) to Rs 5 (rice items) at 600+ Amma canteens across Tamil Nadu.
	+	* [[:yojana:kalaignar-magalir-tn\|Kalaignar Magalir Urimai Yojana]] — Rs 1,000 per month direct to bank account of woman head of household.
	+
	+	==== Telangana (1) ====
	+	* [[:yojana:rythu-bandhu-telangana\|Rythu Bandhu]] — Rs 5,000 per acre per crop season (twice a year) direct to bank account.
	+
	+	==== West Bengal (1) ====
	+	* [[:yojana:lakshmi-bhandar-yojana\|Lakshmi Bhandar Yojana]] — Rs 1,000 (general) / Rs 1,200 (SC/ST) per month direct to woman bank account.
	+
	+	===== When your benefit is delayed =====
	+	Every yojana page above ends with an RTI escalation template — most stuck cases clear within 15 days of an RTI being filed.
	+
	+	* AI RTI Drafter: [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html\|Auto-fill PIO + Act sections]]
	+	* Step-by-step apply guides: [[:how-to-apply:start\|25 how-to-apply walkthroughs]]
	+	* Required documents: [[:documents:start\|30 document checklists]]
	+	* Track status: [[:check-status:start\|25 status-check guides]]
	+	* If rejected: [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* Schemes by audience: [[:audience:start\|10 audience-hub guides]]
	+	* Helplines + grievance: [[:helplines:start\|32 helplines]]
	+	* State-by-state RTI fees: [[:fees:start\|RTI fees in 28 states]]
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana landing-page government-india}}

PMAY-Urban (PMAY-U 2.0) — interest subsidy on home loan up to Rs 6L

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 08:28:36 +0000

2026/05/03 12:08	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pmay urban, pmay u, clss subsidy, pmay 2.0, urban housing scheme)
	+	metatag-description=(Credit-Linked Subsidy Scheme (CLSS) — 3-6.5% interest subsidy on home loan up to Rs 6 lakh for first home buyers. PMAY 2.0 launched September 2024.)
	+	}}

	+	====== PMAY-Urban (PMAY-U 2.0) — interest subsidy on home loan up to Rs 6L ======
	+	{{ :social:auto:yojana-pmay-urban.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Interest subsidy 3% to 6.5% on home loan up to Rs 6 lakh for EWS / LIG / MIG-I / MIG-II first-home buyers.
	+
	+	Launched: 2015 · Issued by: Ministry of Housing & Urban Affairs
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* First-time home buyer (no pucca house anywhere in India)
	+	* Annual income: EWS < Rs 6L · LIG Rs 6-12L · MIG-I Rs 12-18L · MIG-II Rs 18-25L
	+	* Carpet area: EWS 30 sqm · LIG 60 sqm · MIG 90/110/120 sqm
	+	* Indian citizen, age 18+
	+
	+	===== What you get =====
	+	Interest subsidy 3-6.5% on home loan up to Rs 6L (EWS/LIG), Rs 9L (MIG-I), Rs 12L (MIG-II). Subsidy capped at Rs 2.30L (EWS/LIG) / Rs 2.35L (MIG-I) / Rs 2.30L (MIG-II). Credited to your loan account, reducing EMI.
	+
	+	===== How to apply (step-by-step) =====
	+	- Verify eligibility — pmay-urban.gov.in → Beneficiary Details Viewer. Confirm income + first-home status.
	+	- Apply via bank during home loan — Banks process CLSS automatically when sanctioning home loan. Apply directly to bank.
	+	- Bank sends claim to Central Nodal Agency — NHB/HUDCO process the subsidy.
	+	- Subsidy credited to loan account — Reduces principal outstanding; EMI drops accordingly.
	+	- Track via PMAY portal — pmay-urban.gov.in → Track Your Application Status with Aadhaar.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Income certificate
	+	* First-home affidavit
	+	* Sale deed / Agreement to Sell
	+	* Bank loan sanction
	+
	+	Full document checklist: [[:documents:pmay-application\|Documents required for pmay application]]
	+
	+	===== Timeline =====
	+	90-180 days from bank submission to subsidy credit. Bank tracks through CNA dashboard.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://pmay-urban.gov.in\|pmay-urban.gov.in]]
	+	* Helpline: PMAY Urban Helpline: 011-23060484
	+	* Track status: [[:check-status:pmay-status\|How to check status]]
	+	* Step-by-step apply guide: [[:how-to-apply:pmay-housing\|How-to-apply walkthrough]]
	+
	+	===== Common issues =====
	+	* CLSS not credited despite approval — bank delay; follow up with bank or CNA via SLBC.
	+	* Income proof under-matches eligibility — submit fresh income certificate from Tehsildar.
	+	* Already owns property elsewhere — disqualifies; surrender or correct affidavit.
	+	* PMAY 1.0 vs 2.0 confusion — applications post September 2024 use PMAY 2.0 norms.
	+
	+	===== Benefit 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-pmay-status\|Open the AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:msme-entrepreneurs\|All msme entrepreneurs schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Can I apply directly without a bank? ====
	+	No — CLSS works only via banks/HFCs taking the home loan. They are the application channel.
	+
	+	==== Subsidy taxable? ====
	+	No — exempt under Section 10(15A) of Income Tax Act.
	+
	+	==== PMAY-U closed in March 2022. What about now? ====
	+	PMAY 2.0 launched September 2024 with revised income limits + new urban poor categories.
	+
	+	==== CLSS delayed > 180 days? ====
	+	File RTI to CNA (NHB/HUDCO). Use AI RTI Drafter.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Interest subsidy 3% to 6.5% on home loan up to Rs 6 lakh for EWS / LIG / MIG-I / MIG-II first-home buyers. Apply at pmay-urban.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://pmay-urban.gov.in\|pmay-urban.gov.in]]
	+	* Step-by-step guide: [[:how-to-apply:pmay-housing\|Apply walkthrough]]
	+	* Documents needed: [[:documents:pmay-application\|Required documents]]
	+	* Track existing application: [[:check-status:pmay-status\|Status check]]
	+	* If delayed — RTI Drafter: [[:rti-for-pmay-status\|File RTI in 5 minutes]]
	+	* Browse all 150 yojanas: [[:yojana:start\|Sarkari Yojana index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:yojana:start\|All 150 Sarkari Yojanas]]
	+	* [[:check-status:start\|25 status-check guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* [[:audience:start\|10 audience-hub schemes]]
	+	* [[:helplines:start\|32 helplines + grievance routes]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	===== Sources =====
	+	* Official portal: pmay-urban.gov.in
	+	* Issued by: Ministry of Housing & Urban Affairs
	+	* Launched: 2015
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana pmay-urban}}

Startup India — recognition, tax holiday, Rs 50L seed grant (2026)

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 08:28:36 +0000

2026/05/03 12:08	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(startup india, startup recognition, startup india seed fund, startup india tax holiday)
	+	metatag-description=(Free DPIIT recognition + 3-year tax holiday + Rs 20L convertible debt + Rs 50L grants for early-stage startups. * Indian entity (Pvt Ltd / LLP / Partnership) *.)
	+	}}

	+	====== Startup India — recognition, tax holiday, Rs 50L seed grant (2026) ======
	+
	+	{{ :social:auto:yojana-startup-india.png?direct&1200 }}
	+
	+	<WRAP info>
	+	DPIIT recognition + 3-year tax holiday + Rs 50 lakh in seed grants + IPR fast-track + %%GeM%% access + IPO simplifications.
	+
	+	Launched: 2016 · Issued by: Department for Promotion of Industry and Internal Trade (DPIIT)
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian entity (Pvt Ltd / LLP / Partnership)
	+	* Founded < 10 years ago
	+	* Annual turnover < Rs 100 crore
	+	* Original innovation in product / service / process / business model
	+	* Not formed by splitting existing business
	+
	+	===== What you get =====
	+	Recognition (DPIIT certificate); 3-year income tax holiday under Section 80IAC; angel-tax exemption; Rs 20L convertible debt + Rs 50L grant via Startup India Seed Fund Scheme; faster patent processing (50% rebate); MSME tender preferences via %%GeM%%; ESOP tax deferral.
	+
	+	===== How to apply (step-by-step) =====
	+	- Apply for DPIIT recognition — startupindia.gov.in → online application.
	+	- Submit incorporation cert + brief description — Innovation + scalability statement.
	+	- Recognition issued in 30 days — DPIIT cert downloadable.
	+	- Apply for Section 80IAC tax holiday — Within 12 months of recognition; CBDT approves.
	+	- Apply for seed fund grant — Through DPIIT-empanelled incubator (50+ across India).
	+	- Use IPR fast-track — 50% rebate on patent fees; expedited examination.
	+
	+	===== Documents needed =====
	+	* Incorporation certificate
	+	* PAN
	+	* Innovation description
	+	* Founder Aadhaar
	+
	+	===== Timeline =====
	+	Recognition: 30 days. Tax holiday: 90 days post-recognition. Seed fund: 6-12 months.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://startupindia.gov.in\|startupindia.gov.in]]
	+	* Helpline: Startup India: 1800-115-565
	+
	+	===== Common issues =====
	+	* Recognition denied — innovation criteria not met; refine pitch.
	+	* Tax holiday denied — CBDT scrutinizes; need genuine innovation.
	+	* Seed fund competition tough — 50K+ applicants for limited grants.
	+	* Incubator empanelment varies — research before applying.
	+
	+	===== Benefit 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 AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:msme-entrepreneurs\|All msme entrepreneurs schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== How do I prove innovation? ====
	+	Original product + technology + business model. Patents help. CBDT scrutinizes.
	+
	+	==== Tax holiday claim? ====
	+	Apply via Form 1B within 12 months of recognition. CBDT approves once for 3 of first 7 years.
	+
	+	==== Seed fund vs grant? ====
	+	Convertible debt up to Rs 20L + grant up to Rs 50L; via incubators.
	+
	+	==== Recognition stuck > 30 days? ====
	+	File RTI to DPIIT.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: DPIIT recognition + 3-year tax holiday + Rs 50 lakh in seed grants + IPR fast-track + %%GeM%% access + IPO simplifications. Apply at startupindia.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://startupindia.gov.in\|startupindia.gov.in]]
	+	* If delayed — RTI Drafter: [[:citizen-rti-playbook\|File RTI in 5 minutes]]
	+	* Browse all 150 yojanas: [[:yojana:start\|Sarkari Yojana index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:yojana:start\|All 150 Sarkari Yojanas]]
	+	* [[:check-status:start\|25 status-check guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* [[:audience:start\|10 audience-hub schemes]]
	+	* [[:helplines:start\|32 helplines + grievance routes]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	===== Sources =====
	+	* Official portal: startupindia.gov.in
	+	* Issued by: Department for Promotion of Industry and Internal Trade (DPIIT)
	+	* Launched: 2016
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana startup-india}}

PM Jeevan Jyoti Bima Yojana (PMJJBY)

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 08:28:36 +0000

2026/05/03 12:08	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pmjjby, pradhan mantri jeevan jyoti, life insurance scheme, pmjjby claim)
	+	metatag-description=(Rs 2 lakh life insurance (any cause of death) for just Rs 436/year. Auto-debit from bank account. * Indian resident, age 18-50 entry (cover till age 55) * Active.)
	+	}}

	+	====== PM Jeevan Jyoti Bima Yojana (PMJJBY) ======
	+	{{ :social:auto:yojana-pmjjby-jeevan-jyoti.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Rs 2 lakh life cover (any cause of death) for premium Rs 436/year (auto-debit).
	+
	+	Launched: 2015 · Issued by: Ministry of Finance
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian resident, age 18-50 entry (cover till age 55)
	+	* Active savings bank account
	+	* Aadhaar (recommended)
	+	* Premium auto-debit annually
	+
	+	===== What you get =====
	+	Rs 2 lakh on death from any cause (illness, accident, natural). Premium Rs 436/year auto-debited in May. Cover continues till age 55 with annual renewal.
	+
	+	===== How to apply (step-by-step) =====
	+	- Activate at your bank — Branch or online banking.
	+	- Choose insurer + nominee — Bank is tied up with insurer (LIC / SBI Life etc.).
	+	- Premium auto-debit — Rs 436 in May each year.
	+	- Claim by family — Within 30 days of death; bank forwards documents to insurer.
	+	- Settlement in 15 days — After complete documents (death certificate, KYC, claim form).
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Active savings account
	+	* Nominee
	+
	+	===== Timeline =====
	+	Coverage from premium debit. Claim: 15 days post-documents.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://jansuraksha.gov.in\|jansuraksha.gov.in]]
	+	* Helpline: PMJJBY: contact your bank
	+
	+	===== Common issues =====
	+	* Premium not debited — insufficient balance; cover lapses.
	+	* Claim denied within 45 days of joining — initial waiting period for non-accidental death.
	+	* Cover stops at age 55 — switch to APY for pension.
	+	* Want higher cover — combine with private term plan; PMJJBY is a baseline.
	+
	+	===== Benefit 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 AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:unorganised-workers\|All unorganised workers schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Death from any cause covered? ====
	+	Yes — natural, illness, accident. Suicide covered after 1 year.
	+
	+	==== What if I have multiple accounts? ====
	+	Only ONE PMJJBY per person; duplicates rejected.
	+
	+	==== Maximum age? ====
	+	Cover till age 55. Re-enrolment not possible after exit.
	+
	+	==== Premium taxable / refundable? ====
	+	Premium paid is exempt under Section 80C up to limit; non-refundable.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Rs 2 lakh life cover (any cause of death) for premium Rs 436/year (auto-debit). Apply at jansuraksha.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://jansuraksha.gov.in\|jansuraksha.gov.in]]
	+	* If delayed — RTI Drafter: [[:citizen-rti-playbook\|File RTI in 5 minutes]]
	+	* Browse all 150 yojanas: [[:yojana:start\|Sarkari Yojana index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:yojana:start\|All 150 Sarkari Yojanas]]
	+	* [[:check-status:start\|25 status-check guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* [[:audience:start\|10 audience-hub schemes]]
	+	* [[:helplines:start\|32 helplines + grievance routes]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	===== Sources =====
	+	* Official portal: jansuraksha.gov.in
	+	* Issued by: Ministry of Finance
	+	* Launched: 2015
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana pmjjby-jeevan-jyoti}}

2026/05/03 12:08	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(sarkari yojana, sarkari yojana list, government schemes india, sarkari yojana 2026, pm yojana, mukhyamantri yojana)
	+	metatag-description=(47 Sarkari Yojanas — central + state government welfare schemes. Eligibility, benefits, how to apply, RTI escalation if delayed.)
	+	}}

	+	====== Sarkari Yojana — All Government Schemes (2026) ======
	+
	+	<WRAP info>
	+	Complete index of 47 Sarkari Yojanas — central + state welfare schemes. Each page: eligibility, benefits in Rupees, step-by-step application, required documents, common issues, and RTI escalation template if your benefit is delayed.
	+	</WRAP>
	+
	+	===== Central Government Schemes (34) =====
	+
	+	* [[:yojana:ab-abhim-health-infra\|PM Ayushman Bharat Health Infrastructure Mission (PM-ABHIM)]] — Rs 64,180 crore (FY 2021-26) for critical care infra, public health labs, integrated public health surveillance, digital health.
	+	* [[:yojana:abdm-digital-health\|Ayushman Bharat Digital Mission (ABDM)]] — Free 14-digit ABHA Health ID. Optional digital wallet of medical records — accessible anywhere with consent-based sharing.
	+	* [[:yojana:atal-pension-yojana\|Atal Pension Yojana (APY)]] — Guaranteed pension Rs 1,000 / 2,000 / 3,000 / 4,000 / 5,000 per month after age 60, based on contribution + age at entry.
	+	* [[:yojana:ayushman-bharat-pmjay\|Ayushman Bharat (PM-JAY)]] — Rs 5 lakh per family per year cashless at 30,000+ empanelled hospitals — free, no premium.
	+	* [[:yojana:eshram-card\|e-Shram Card]] — Free 12-digit Universal Account Number + auto Rs 2L PMSBY insurance + convergence to PMSYM pension, PM-JAY etc.
	+	* [[:yojana:janani-suraksha-yojana\|Janani Suraksha Yojana (JSY)]] — Rs 700 (urban) / Rs 1,400 (rural) for delivery in govt-empanelled hospital. Plus Rs 300-500 to ASHA worker.
	+	* [[:yojana:jjm-jal-jeevan\|Jal Jeevan Mission]] — Free tap water connection + 55 litres per person per day at safe quality.
	+	* [[:yojana:kisan-credit-card\|Kisan Credit Card (KCC)]] — Crop loan up to Rs 3 lakh at effective 4% interest after subvention. Pre-approved by bank for landholding farmers.
	+	* [[:yojana:mahila-samman-savings\|Mahila Samman Savings Certificate (MSSC)]] — 7.5% interest (q-revised) on max Rs 2 lakh deposit; 2-year tenure. Note: NEW enrolment closed March 2025.
	+	* [[:yojana:mgnrega-job-card\|MGNREGA]] — 100 days of guaranteed unskilled work per household per year. Wage Rs 250-380/day (state-notified). Payment within 15 days.
	+	* [[:yojana:mudra-yojana\|Pradhan Mantri Mudra Yojana (PMMY)]] — Loan Rs 50,000 (Shishu) / Rs 5 lakh (Kishor) / Rs 10 lakh (Tarun) — collateral-free, for non-corporate non-farm small enterprise.
	+	* [[:yojana:national-scholarship-portal\|National Scholarship Portal (NSP)]] — Single portal for 80+ scholarships. SC/ST/OBC/Minority/%%PwD%%/Top Class/Merit-cum-Means. Application Aug-Oct annually.
	+	* [[:yojana:nps-pension\|National Pension System (NPS)]] — Tax-efficient retirement corpus + lifelong pension. 60% lump-sum + 40% mandatory annuity at age 60.
	+	* [[:yojana:pm-kisan-maandhan\|PM Kisan Maandhan]] — Pension Rs 3,000/month after age 60. Govt matches your contribution (Rs 55-200 by age).
	+	* [[:yojana:pm-kisan-samman-nidhi\|PM-KISAN Samman Nidhi]] — Rs 6,000 per year (3 instalments of Rs 2,000) to every landholding farmer family.
	+	* [[:yojana:pm-suryaghar\|PM Surya Ghar]] — Free electricity up to 300 units/month + Rs 30,000-78,000 subsidy on 1-3 kW rooftop solar installation.
	+	* [[:yojana:pm-svanidhi\|PM SVANidhi]] — Working capital loan Rs 10,000 → Rs 20,000 → Rs 50,000 (escalating). 7% interest subvention. Cashback for digital transactions.
	+	* [[:yojana:pm-vishwakarma\|PM Vishwakarma Yojana]] — Rs 15,000 toolkit voucher + Rs 1 lakh loan @ 5% (collateral-free) + Rs 2 lakh expansion loan + Rs 500/day training stipend + 1% interest subvention + marketing support.
	+	* [[:yojana:pmay-gramin\|PMAY-Gramin]] — Rs 1.2 lakh (plain areas) / Rs 1.3 lakh (hilly + NE) direct grant to build a pucca house.
	+	* [[:yojana:pmay-urban\|PMAY-Urban (PMAY-U 2.0)]] — Interest subsidy 3% to 6.5% on home loan up to Rs 6 lakh for EWS / LIG / MIG-I / MIG-II first-home buyers.
	+	* [[:yojana:pmfby-fasal-bima\|Pradhan Mantri Fasal Bima Yojana (PMFBY)]] — Up to 90% of insured crop loss compensated. Farmer share: 1.5% (rabi) / 2% (kharif) / 5% (commercial) of sum insured.
	+	* [[:yojana:pmjjby-jeevan-jyoti\|PM Jeevan Jyoti Bima Yojana (PMJJBY)]] — Rs 2 lakh life cover (any cause of death) for premium Rs 436/year (auto-debit).
	+	* [[:yojana:pmkvy-skill-india\|Pradhan Mantri Kaushal Vikas Yojana (PMKVY)]] — Free 200-600 hour skill training + government certification + Rs 8,000 post-training assistance.
	+	* [[:yojana:pmmvy-matru-vandana\|Pradhan Mantri Matru Vandana Yojana (PMMVY)]] — Rs 5,000 for first child + Rs 6,000 additional if second child is a girl (total Rs 11,000 across 2 children).
	+	* [[:yojana:pmsby-suraksha-bima\|PM Suraksha Bima Yojana (PMSBY)]] — Rs 2 lakh accidental death / total disability + Rs 1 lakh partial disability cover, premium just Rs 20/year (auto-debit).
	+	* [[:yojana:pmsym-shram-yogi\|PM Shram Yogi Maan-Dhan (PMSYM)]] — Pension Rs 3,000/month after age 60. Govt contributes 50% of your monthly contribution (Rs 55-200 by age).
	+	* [[:yojana:ration-card-nfsa\|Ration Card (NFSA)]] — 5 kg foodgrain per person per month at Rs 1 (rice/wheat) — free under PMGKAY through Dec 2029.
	+	* [[:yojana:saubhagya-yojana\|Saubhagya]] — Free electricity connection: LED bulbs, meter, service line up to 60 metres + 5 LED bulbs.
	+	* [[:yojana:sbm-swachh-bharat\|Swachh Bharat Mission]] — Rs 12,000 subsidy per BPL household for toilet construction. SBM-G (rural) + SBM-U (urban).
	+	* [[:yojana:soil-health-card\|Soil Health Card]] — Free soil test + customised nutrient recommendations + crop-specific advisory; updated every 2 years.
	+	* [[:yojana:startup-india\|Startup India]] — DPIIT recognition + 3-year tax holiday + Rs 50 lakh in seed grants + IPR fast-track + %%GeM%% access + IPO simplifications.
	+	* [[:yojana:sukanya-samriddhi\|Sukanya Samriddhi Yojana (SSY)]] — 8.2% tax-free interest (FY 2025-26). Triple-EEE tax exemption (deposit + interest + maturity).
	+	* [[:yojana:udyam-msme-registration\|Udyam Registration (MSME)]] — Free 19-digit Udyam Registration Number — gateway to priority sector loans, %%GeM%% listing, late-payment protection, tender preferences.
	+	* [[:yojana:ujjwala-yojana\|PM Ujjwala Yojana (PMUY)]] — Free LPG connection (regulator + first refill) in woman's name + Rs 200/cylinder subsidy on 12 refills per year.
	+
	+	===== State Government Schemes (13) =====
	+
	+	==== Andhra Pradesh (1) ====
	+	* [[:yojana:ysr-aarogyasri-ap\|Dr YSR Aarogyasri]] — Rs 5 lakh basic + up to Rs 25 lakh for tertiary care, per family per year. Free.
	+
	+	==== Assam (1) ====
	+	* [[:yojana:orunodoi-assam\|Orunodoi Yojana]] — Rs 1,250 per month direct to bank account of woman head of family.
	+
	+	==== Karnataka (2) ====
	+	* [[:yojana:annabhagya-karnataka\|Anna Bhagya]] — 7 kg rice per person per month at Re 1/kg (effectively free post-2024 expansion).
	+	* [[:yojana:gruha-lakshmi-karnataka\|Gruha Lakshmi Yojana]] — Rs 2,000 per month direct to bank account of woman head of family.
	+
	+	==== Madhya Pradesh (1) ====
	+	* [[:yojana:ladli-behna-mp\|Ladli Behna Yojana]] — Rs 1,250 per month direct to woman bank account, age 21-60.
	+
	+	==== Maharashtra (2) ====
	+	* [[:yojana:ladki-bahin-yojana\|Mukhyamantri Majhi Ladki Bahin Yojana]] — Rs 1,500 per month direct to bank account of woman, age 21-65, in eligible Maharashtra household.
	+	* [[:yojana:mukhyamantri-yuva-karya\|Mukhyamantri Yuva Karya Prashikshan Yojana]] — Stipend Rs 6,000-10,000/month for 6 months internship in approved company.
	+
	+	==== Odisha (1) ====
	+	* [[:yojana:kalia-yojana-odisha\|KALIA Yojana]] — Rs 25,000 direct income support over 5 seasons + Rs 12,500 livelihood asset support + Rs 2L life insurance.
	+
	+	==== Rajasthan (1) ====
	+	* [[:yojana:chiranjeevi-rajasthan\|Mukhyamantri Chiranjeevi Health Insurance]] — Rs 25 lakh health cover + Rs 10 lakh accident cover per family per year. Cashless.
	+
	+	==== Tamil Nadu (2) ====
	+	* [[:yojana:annapurna-canteen-tn\|Amma Unavagam]] — Hot meals at Re 1 (idli) to Rs 5 (rice items) at 600+ Amma canteens across Tamil Nadu.
	+	* [[:yojana:kalaignar-magalir-tn\|Kalaignar Magalir Urimai Yojana]] — Rs 1,000 per month direct to bank account of woman head of household.
	+
	+	==== Telangana (1) ====
	+	* [[:yojana:rythu-bandhu-telangana\|Rythu Bandhu]] — Rs 5,000 per acre per crop season (twice a year) direct to bank account.
	+
	+	==== West Bengal (1) ====
	+	* [[:yojana:lakshmi-bhandar-yojana\|Lakshmi Bhandar Yojana]] — Rs 1,000 (general) / Rs 1,200 (SC/ST) per month direct to woman bank account.
	+
	+	===== When your benefit is delayed =====
	+	Every yojana page above ends with an RTI escalation template — most stuck cases clear within 15 days of an RTI being filed.
	+
	+	* AI RTI Drafter: [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html\|Auto-fill PIO + Act sections]]
	+	* Step-by-step apply guides: [[:how-to-apply:start\|25 how-to-apply walkthroughs]]
	+	* Required documents: [[:documents:start\|30 document checklists]]
	+	* Track status: [[:check-status:start\|25 status-check guides]]
	+	* If rejected: [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* Schemes by audience: [[:audience:start\|10 audience-hub guides]]
	+	* Helplines + grievance: [[:helplines:start\|32 helplines]]
	+	* State-by-state RTI fees: [[:fees:start\|RTI fees in 28 states]]
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana landing-page government-india}}