Right to Information Wiki

PM Ayushman Bharat Health Infrastructure Mission (PM-ABHIM)

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pm abhim, ayushman bharat health infrastructure, abhim, health infra mission, abhim 64000 crore)
	+	metatag-description=(Rs 64,180 crore over 5 years to build critical care + public health labs + digital health infra. Citizens benefit via better hospital + pandemic readiness.)
	+	}}

	+	====== PM Ayushman Bharat Health Infrastructure Mission (PM-ABHIM) ======
	+	{{ :social:auto:yojana-ab-abhim-health-infra.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Rs 64,180 crore (FY 2021-26) for critical care infra, public health labs, integrated public health surveillance, digital health.
	+
	+	Launched: 2021 · Issued by: Ministry of Health & Family Welfare
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Designed at state/district level (no individual application)
	+	* Health departments + district administrations implement
	+	* Citizen access via improved facilities at govt hospitals
	+
	+	===== What you get =====
	+	Critical care hospital blocks in 12 states; integrated district-level public health labs; biosafety labs; metropolitan surveillance; National One Health Centre; National Institutions of Virology + One Health.
	+
	+	===== How to apply (step-by-step) =====
	+	- No individual application — PM-ABHIM funds infrastructure; you benefit by better availability.
	+	- For grievances about facility quality — File complaint at District Hospital + State Health Mission.
	+	- For specific service denial — file RTI — Use RTI to know what facilities should be available + pin accountability.
	+
	+	===== Timeline =====
	+	Project completion FY 2025-26.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://abhim.gov.in\|abhim.gov.in]]
	+	* Helpline: Health Ministry: 1075
	+
	+	===== Common issues =====
	+	* Facility not yet operational despite sanction — file RTI to NHA + State Health Mission.
	+	* Equipment installed but unstaffed — recurring complaint; file RTI for staffing position.
	+	* Lab tests promised free, charged — file complaint at District Health Office + RTI.
	+
	+	===== 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:senior-citizens\|All senior citizens schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Do I get money under PM-ABHIM? ====
	+	No — it is infrastructure spending. Citizens benefit via better facility availability.
	+
	+	==== My hospital still understaffed despite ABHIM funds — what to do? ====
	+	File RTI to State Health Mission for staffing sanction + actual deployment data.
	+
	+	==== How do I find a PM-ABHIM hospital near me? ====
	+	State Health Mission portal lists; or RTI to district health office.
	+
	+	==== Was the Rs 64,180 crore actually spent? ====
	+	CAG audits annually. RTI to %%MoHFW%% for state-wise utilization data.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Rs 64,180 crore (FY 2021-26) for critical care infra, public health labs, integrated public health surveillance, digital health. Apply at abhim.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://abhim.gov.in\|abhim.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: abhim.gov.in
	+	* Issued by: Ministry of Health & Family Welfare
	+	* Launched: 2021
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana ab-abhim-health-infra}}

National Scholarship Portal (NSP)

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(national scholarship portal, nsp, scholarships.gov.in, post matric scholarship, pre matric scholarship)
	+	metatag-description=(Single portal for 80+ central + state scholarships. Pre-Matric, Post-Matric, Top Class, MCM, Minority. Direct DBT to Aadhaar-linked account.)
	+	}}

	+	====== National Scholarship Portal (NSP) ======
	+	{{ :social:auto:yojana-national-scholarship-portal.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Single portal for 80+ scholarships. SC/ST/OBC/Minority/%%PwD%%/Top Class/Merit-cum-Means. Application Aug-Oct annually.
	+
	+	Launched: 2015 · Issued by: Multiple Ministries (Social Justice, Tribal Affairs, Minority Affairs, etc.)
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian student, recognised institution
	+	* Income < Rs 2L (OBC) / Rs 2.5L (SC/ST) / Rs 8L (EWS, Top Class)
	+	* Marks ≥ 50% (general) / 60% (Top Class)
	+	* Aadhaar + Aadhaar-linked bank account
	+
	+	===== What you get =====
	+	80+ schemes: Pre-Matric (class 1-10) Rs 350-750/month + book/uniform; Post-Matric (class 11+) Rs 230-3,000/month + tuition; Top Class (premier institutions) full tuition + Rs 86,000/year; National Overseas Rs 80L masters/%%PhD%% abroad; Minority/SC/ST/OBC variants. DBT to Aadhaar-linked bank.
	+
	+	===== How to apply (step-by-step) =====
	+	- Register at scholarships.gov.in — One-time; save Application ID.
	+	- Choose scheme — Filter by category (SC/ST/OBC/Minority), level (Pre/Post-Matric, UG/PG), state.
	+	- Fill form + upload docs — Caste cert, income cert, marksheet, fee receipt, current admission proof, Aadhaar.
	+	- Submit + verify by institution — Institution Verifier + DNO + State Nodal verify.
	+	- Approval + DBT — Funds credited to Aadhaar-linked bank in 60-90 days post-final approval.
	+	- Renewal each year — Same Application ID; previous-year pass cert + current admission.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Caste / income certificate
	+	* Marksheet (last class)
	+	* Fee receipt + admission proof
	+	* Bank passbook
	+
	+	Full document checklist: [[:documents:scholarship-nsp\|Documents required for scholarship nsp]]
	+
	+	===== Timeline =====
	+	Application processing: 60-180 days. DBT credit: 30 days post-approval.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://scholarships.gov.in\|scholarships.gov.in]]
	+	* Helpline: NSP: 0120-6619540
	+	* Track status: [[:check-status:scholarship-status\|How to check status]]
	+	* Step-by-step apply guide: [[:how-to-apply:scholarship-nsp\|How-to-apply walkthrough]]
	+
	+	===== Common issues =====
	+	* Aadhaar not linked to bank — DBT fails; visit bank for NPCI mapper.
	+	* Caste / income cert outdated — must be current FY.
	+	* Institution Verifier delays — escalate to Principal + DNO.
	+	* Multiple scholarships claimed — only one DBT per year.
	+
	+	===== 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-scholarship-status\|Open the AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:students\|All students schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Multiple scholarships? ====
	+	NSP allows registration for several but disburses only one (highest-value) per year.
	+
	+	==== What if institution not verified? ====
	+	Escalate to Principal + DNO; RTI if unresolved.
	+
	+	==== Renewal — refill all docs? ====
	+	No — only previous-year pass certificate + current admission.
	+
	+	==== Application stuck > 90 days? ====
	+	File RTI to Institution + DNO + State Nodal. Use AI RTI Drafter.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Single portal for 80+ scholarships. SC/ST/OBC/Minority/%%PwD%%/Top Class/Merit-cum-Means. Application Aug-Oct annually. Apply at scholarships.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://scholarships.gov.in\|scholarships.gov.in]]
	+	* Step-by-step guide: [[:how-to-apply:scholarship-nsp\|Apply walkthrough]]
	+	* Documents needed: [[:documents:scholarship-nsp\|Required documents]]
	+	* Track existing application: [[:check-status:scholarship-status\|Status check]]
	+	* If delayed — RTI Drafter: [[:rti-for-scholarship-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: scholarships.gov.in
	+	* Issued by: Multiple Ministries (Social Justice, Tribal Affairs, Minority Affairs, etc.)
	+	* 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 national-scholarship-portal}}

Mukhyamantri Yuva Karya Prashikshan Yojana

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(mukhyamantri yuva karya prashikshan, maharashtra youth scheme, yuva karya yojana)
	+	metatag-description=(Stipend Rs 6,000-10,000/month for 6-month internship at Maharashtra govt + private companies. For graduates aged 18-35. * Maharashtra domicile * Age 18-35 * Class.)
	+	}}

	+	====== Mukhyamantri Yuva Karya Prashikshan Yojana ======
	+	{{ :social:auto:yojana-mukhyamantri-yuva-karya.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Stipend Rs 6,000-10,000/month for 6 months internship in approved company.
	+
	+	State: Maharashtra · Launched: 2024 · Issued by: Maharashtra Govt — Skill Development Dept
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Maharashtra domicile
	+	* Age 18-35
	+	* Class 12 / Diploma / Graduate / Post-graduate
	+	* Currently unemployed
	+	* Aadhaar + bank account
	+
	+	===== What you get =====
	+	Stipend per month: Rs 6,000 (Class 12 pass), Rs 8,000 (Diploma/ITI), Rs 10,000 (Graduate/PG). 6-month internship at Maharashtra govt offices, PSUs, MSMEs, or DPIIT-recognised startups. Stipend split: 75% by govt, 25% by host company.
	+
	+	===== How to apply (step-by-step) =====
	+	- Register at rojgar.mahaswayam.gov.in — Or via Mahaswayam mobile app.
	+	- Choose internship preferences — 5 fields + 5 cities.
	+	- Match made by portal — Allotment based on availability.
	+	- Internship begins — 6-month tenure.
	+	- Stipend monthly to bank — Direct DBT.
	+	- Certificate at end — Recognised by Maharashtra Govt.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Educational certificates
	+	* Bank passbook
	+	* Maharashtra domicile certificate
	+
	+	===== Timeline =====
	+	Allotment: 30-60 days. Stipend monthly.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://rojgar.mahaswayam.gov.in\|rojgar.mahaswayam.gov.in]]
	+	* Helpline: Mahaswayam: 1800-209-0027
	+
	+	===== Common issues =====
	+	* No domicile cert — get from Tehsildar; mandatory.
	+	* Limited slots in popular cities — apply early in batch.
	+	* Stipend delayed — RTI to Skill Development Dept.
	+	* Certificate not issued at end — request from host + RTI to dept.
	+
	+	===== 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:students\|All students schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Will internship lead to job? ====
	+	No guarantee but improves placement; Maharashtra govt lists meritorious for direct recruitment.
	+
	+	==== Choose own internship company? ====
	+	No — portal allots based on preferences + availability.
	+
	+	==== Multiple internships? ====
	+	Allowed sequentially. Same person not twice in same batch.
	+
	+	==== Stipend delayed > 60 days? ====
	+	File RTI. Use AI RTI Drafter.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Stipend Rs 6,000-10,000/month for 6 months internship in approved company. Apply at rojgar.mahaswayam.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://rojgar.mahaswayam.gov.in\|rojgar.mahaswayam.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: rojgar.mahaswayam.gov.in
	+	* Issued by: Maharashtra Govt — Skill Development Dept
	+	* Launched: 2024
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana mukhyamantri-yuva-karya maharashtra}}

PM-KISAN Samman Nidhi — Rs 6,000/year for farmers (2026 guide)

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 09:02:02 +0000

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pm kisan, pm kisan samman nidhi, pmkisan, kisan yojana, pm kisan registration)
	+	metatag-description=(PM-KISAN Samman Nidhi — Rs 6,000/year for farmers (2026 guide) - verified citizen guide on RTI Wiki, India's independent Right to Information reference. Updated.)
	+	}}

	+	====== PM-KISAN Samman Nidhi — Rs 6,000/year for farmers (2026 guide) ======
	+
	+
	+	<WRAP center round info 80%>
	+	📘 Deep-dive guide: [[:apply-pm-kisan-samman-nidhi-2026\|Full deep-dive — PM-KISAN: e-KYC + land seeding + RTI for stuck installments]]
	+	</WRAP>
	+
	+
	+	{{ :social:auto:yojana-pm-kisan-samman-nidhi.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Rs 6,000 per year (3 instalments of Rs 2,000) to every landholding farmer family.
	+
	+	Launched: 2019 · Issued by: Ministry of Agriculture & Farmers Welfare
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian citizen with cultivable land (any size)
	+	* One share per family (husband + wife + minor children counted as one)
	+	* NOT eligible: institutional landholders, MPs/MLAs, Group A/B govt servants, IT taxpayers, professionals, retired pensioners > Rs 10K/month
	+
	+	===== What you get =====
	+	Rs 2,000 every 4 months (April-July, August-November, December-March) directly to Aadhaar-linked bank account. Lifetime till family is eligible.
	+
	+	===== How to apply (step-by-step) =====
	+	- Visit pmkisan.gov.in — Click "New Farmer Registration" — Rural or Urban farmer.
	+	- Aadhaar OTP verification — Enter Aadhaar + state. Most fields auto-fill from Aadhaar e-KYC.
	+	- Fill family + land details — Survey/khasra number, area in hectares.
	+	- Upload land record — Latest Khasra/Khatauni/7-12 extract.
	+	- Bank account linkage — Aadhaar-linked bank account; NPCI mapper must be active.
	+	- Field verification — Patwari verifies land ownership + family eligibility.
	+	- %%eKYC%% annually — Mandatory annual %%eKYC%% at pmkisan.gov.in or CSC; without it, instalments freeze.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Land record (Khasra / Khatauni / 7-12)
	+	* Aadhaar-linked bank account
	+	* Family declaration (single share)
	+
	+	Full document checklist: [[:documents:pm-kisan-registration\|Documents required for pm kisan registration]]
	+
	+	===== Timeline =====
	+	First instalment: 60-90 days after registration approval. Then every 4 months.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://pmkisan.gov.in\|pmkisan.gov.in]]
	+	* Helpline: PM-KISAN Helpdesk: 011-23381092 / 155261
	+	* Track status: [[:check-status:pm-kisan-status\|How to check status]]
	+	* Step-by-step apply guide: [[:how-to-apply:pm-kisan\|How-to-apply walkthrough]]
	+
	+	===== Common issues =====
	+	* Aadhaar not linked to mobile — %%eKYC%% OTP fails. Use biometric %%eKYC%% at CSC.
	+	* Land record name mismatch with Aadhaar — update one to match.
	+	* Bank Aadhaar de-linked — DBT bounces. Visit bank for NPCI re-mapping.
	+	* Excluded category claimed wrongly (IT taxpayer / govt employee) — refund required + cancellation.
	+
	+	===== 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-pmkisan-installment\|Open the AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:farmers\|All farmers schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== How much do I get and when? ====
	+	Rs 2,000 every 4 months — total Rs 6,000/year. Cycles: April-July, August-November, December-March.
	+
	+	==== Can wife apply separately? ====
	+	No — one share per family. Husband + wife + minor children = one beneficiary unit.
	+
	+	==== Missed %%eKYC%% — instalments stopped. Recovery? ====
	+	Do %%eKYC%% immediately. Pending instalments re-credited in next cycle.
	+
	+	==== Land in joint family name — eligible? ====
	+	Yes if you cultivate. Patwari certifies cultivator share.
	+
	+	==== Instalment delayed > 4 months? ====
	+	File RTI to Block Agriculture Officer + State Nodal. Use the AI RTI Drafter.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Rs 6,000 per year (3 instalments of Rs 2,000) to every landholding farmer family. Apply at pmkisan.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://pmkisan.gov.in\|pmkisan.gov.in]]
	+	* Step-by-step guide: [[:how-to-apply:pm-kisan\|Apply walkthrough]]
	+	* Documents needed: [[:documents:pm-kisan-registration\|Required documents]]
	+	* Track existing application: [[:check-status:pm-kisan-status\|Status check]]
	+	* If delayed — RTI Drafter: [[:rti-for-pmkisan-installment\|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: pmkisan.gov.in
	+	* Issued by: Ministry of Agriculture & Farmers Welfare
	+	* Launched: 2019
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana pm-kisan-samman-nidhi}}

Janani Suraksha Yojana (JSY) — Rs 1,400 cash to mothers for

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(janani suraksha yojana, jsy, institutional delivery cash, jsy 1400, jsy claim)
	+	metatag-description=(Rs 700-1,400 cash incentive to mothers for institutional (hospital) delivery. Plus free hospital delivery + medicines. * Pregnant woman, BPL or SC/ST/tribal area *.)
	+	}}

	+	====== Janani Suraksha Yojana (JSY) — Rs 1,400 cash to mothers for ======
	+	{{ :social:auto:yojana-janani-suraksha-yojana.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Rs 700 (urban) / Rs 1,400 (rural) for delivery in govt-empanelled hospital. Plus Rs 300-500 to ASHA worker.
	+
	+	Launched: 2005 · Issued by: Ministry of Health & Family Welfare
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Pregnant woman, BPL or SC/ST/tribal area
	+	* Above 19 years (some states relax to 18)
	+	* First 2 live births
	+	* Delivery in govt or accredited private hospital
	+
	+	===== What you get =====
	+	Rs 700 (urban LPS — Low Performing State) / Rs 1,400 (rural LPS) for institutional delivery. ASHA worker also receives Rs 300-500 for transport assistance. Plus free delivery + medicines + 7-day post-delivery care.
	+
	+	===== How to apply (step-by-step) =====
	+	- Register pregnancy at PHC / sub-centre — Within first trimester ideally. ASHA worker assists.
	+	- Get JSY card — Issued by ASHA / ANM at registration.
	+	- Deliver at govt or empanelled private hospital — JSY scheme reimburses post-delivery.
	+	- Submit JSY card + delivery proof — At hospital discharge or PHC.
	+	- Cash credited to bank account — Within 7 days of delivery in most states.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Bank account
	+	* JSY card / pregnancy registration
	+	* BPL ration card (if applicable)
	+
	+	===== Timeline =====
	+	Cash credit: 7 days post-delivery typically.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://wcd.nic.in / nrhm-mch\|wcd.nic.in / nrhm-mch]]
	+	* Helpline: JSY: 104 (state RCH helpline)
	+
	+	===== Common issues =====
	+	* Late registration of pregnancy — JSY card not issued; delivery still free but cash incentive may be denied.
	+	* Hospital not JSY-empanelled — verify in advance; private empanelled list at District Health Office.
	+	* Bank Aadhaar de-linked — DBT fails; visit bank.
	+	* Cash not credited > 7 days — file RTI to District Health Office.
	+
	+	===== 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 =====
	+	==== Is delivery itself free? ====
	+	Yes — full free delivery + medicines + 7-day post-care at govt hospitals + empanelled private.
	+
	+	==== Why higher amount in rural? ====
	+	Rs 1,400 to encourage rural mothers to come to hospitals (vs home delivery). Urban Rs 700 since access is easier.
	+
	+	==== Can I use any private hospital? ====
	+	Only JSY-empanelled private hospitals. Check District Health Office list.
	+
	+	==== Cash delayed? ====
	+	File RTI to BMO + DHO. Use AI RTI Drafter.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Rs 700 (urban) / Rs 1,400 (rural) for delivery in govt-empanelled hospital. Plus Rs 300-500 to ASHA worker. Apply at wcd.nic.in / nrhm-mch. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://wcd.nic.in / nrhm-mch\|wcd.nic.in / nrhm-mch]]
	+	* 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: wcd.nic.in / nrhm-mch
	+	* Issued by: Ministry of Health & Family Welfare
	+	* Launched: 2005
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana janani-suraksha-yojana}}

MGNREGA — 100 days unskilled work guaranteed in rural India (2026)

anonymous@undisclosed.example.com (Anonymous) — Mon, 27 Apr 2026 12:04:49 +0000

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(mgnrega, nrega, 100 days work, mgnrega job card, nrega wages, mgnrega payment status)
	+	metatag-description=(100 days of unskilled manual work per rural household per year. Statutory wage Rs 250-380/day (state-specific). Payment in 15 days.)
	+	}}

	+	====== MGNREGA — 100 days unskilled work guaranteed in rural India (2026) ======
	+
	+
	+	<WRAP center round info 80%>
	+	📘 Deep-dive guide: [[:apply-mgnrega-job-card-2026\|Full deep-dive — MGNREGA: BDO RTI when panchayat refuses]]
	+	</WRAP>
	+
	+
	+	{{ :social:auto:yojana-mgnrega-job-card.png?direct&1200 }}
	+
	+	<WRAP info>
	+	100 days of guaranteed unskilled work per household per year. Wage Rs 250-380/day (state-notified). Payment within 15 days.
	+
	+	Launched: 2005 · Issued by: Ministry of Rural Development
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Adult member (18+) of rural household
	+	* Willing to do unskilled manual work
	+	* No restriction on caste / income / gender
	+	* Aadhaar + bank account (Aadhaar-linked)
	+
	+	===== What you get =====
	+	100 days of work per year per household at notified state wage. Wage Rs 250-380/day (varies by state, 2025-26). Compensation 0.05%/day for delayed wages. Unemployment allowance if work not provided in 15 days.
	+
	+	===== How to apply (step-by-step) =====
	+	- Apply at Gram Panchayat for job card — Free; statutory deadline 15 days for issuance.
	+	- Demand work via Form 6 — Submit to Panchayat; written or oral with acknowledgement.
	+	- Work begins within 15 days — If not — unemployment allowance payable.
	+	- Daily attendance via NMMS app — Photo + biometric at worksite.
	+	- Wage credited within 15 days of work completion — Aadhaar-linked bank account.
	+
	+	===== Documents needed =====
	+	* Aadhaar (each adult)
	+	* Bank account (Aadhaar-linked)
	+	* Photographs of family adults
	+
	+	Full document checklist: [[:documents:mgnrega-job-card\|Documents required for mgnrega job card]]
	+
	+	===== Timeline =====
	+	Job card: 15 days of application. Work: 15 days of demand. Wage: 15 days of completion.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://nrega.nic.in\|nrega.nic.in]]
	+	* Helpline: MGNREGA: 1800-345-22-44 (varies by state)
	+	* Track status: [[:check-status:mgnrega-payment-status\|How to check status]]
	+	* Step-by-step apply guide: [[:how-to-apply:mgnrega-job-card\|How-to-apply walkthrough]]
	+
	+	===== Common issues =====
	+	* Job card refused by Panchayat — file complaint at BPO + RTI; cite MGNREGA §3.
	+	* Work demanded but not provided — unemployment allowance owed; file claim.
	+	* Wage delayed > 15 days — compensation 0.05%/day owed.
	+	* Worksite > 5 km — entitled to 10% extra wage as travel.
	+
	+	===== 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-mgnrega-wages\|Open the AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:unorganised-workers\|All unorganised workers schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Per person or per household? ====
	+	Per household — 100 days for the family combined.
	+
	+	==== Can men + women work? ====
	+	Yes — equal wage. At least 33% allocation to women under §6.
	+
	+	==== Wage delayed beyond 15 days? ====
	+	File RTI to Programme Officer + Panchayat Sachiv. Compensation owed.
	+
	+	==== Skilled work eligibility? ====
	+	No — only unskilled manual. Skilled at higher rate but only for trained workers (10% of total).
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 100 days of guaranteed unskilled work per household per year. Wage Rs 250-380/day (state-notified). Payment within 15 days. Apply at nrega.nic.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://nrega.nic.in\|nrega.nic.in]]
	+	* Step-by-step guide: [[:how-to-apply:mgnrega-job-card\|Apply walkthrough]]
	+	* Documents needed: [[:documents:mgnrega-job-card\|Required documents]]
	+	* Track existing application: [[:check-status:mgnrega-payment-status\|Status check]]
	+	* If delayed — RTI Drafter: [[:rti-for-mgnrega-wages\|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: nrega.nic.in
	+	* Issued by: Ministry of Rural Development
	+	* Launched: 2005
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana mgnrega-job-card}}

PMAY-Gramin — Rs 1.2L / 1.3L for pucca house (2026 guide)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 20:05:11 +0000

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pmay gramin, pmay rural, pradhan mantri awas yojana gramin, awaas yojana, pmayg)
	+	metatag-description=(Direct grant Rs 1.2L (plain) / Rs 1.3L (hilly/NE) to landless or kuccha-house families to build a pucca house. SECC 2011 list-based.)
	+	}}

	+	====== PMAY-Gramin — Rs 1.2L / 1.3L for pucca house (2026 guide) ======
	+
	+	{{ :social:auto:yojana-pmay-gramin.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Rs 1.2 lakh (plain areas) / Rs 1.3 lakh (hilly + NE) direct grant to build a pucca house.
	+
	+	Launched: 2016 · Issued by: Ministry of Rural Development
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* SECC 2011 deprivation criteria match
	+	* No motorised 2-wheeler / 4-wheeler in family
	+	* No mechanised agricultural equipment
	+	* No bank loan above Rs 50,000
	+	* No income tax payer / govt servant in family
	+
	+	===== What you get =====
	+	Rs 1.20 lakh (plain) or Rs 1.30 lakh (hilly + NE), released in 3 instalments tied to construction stages: foundation (Rs 25K) → lintel (Rs 50K) → completion (Rs 50K). Plus 90-95 days of MGNREGA wages for self-construction.
	+
	+	===== How to apply (step-by-step) =====
	+	- Check SECC 2011 inclusion — awaassoft.nic.in/netiay/Benificiary.aspx — search by Aadhaar / name.
	+	- If not in list — apply for Awaas Plus inclusion — Visit Block Office; BDO verifies + adds.
	+	- Block-level verification — BDO + Patwari verify house condition + Aadhaar + bank account.
	+	- Sanction + first instalment — Rs 25K credited on foundation start. Geo-tag photos via NMMS.
	+	- Construction + photos — Geotag at lintel + completion stages.
	+	- Final instalment — Released after geo-verified completion.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* SECC 2011 ID / Awaas Plus inclusion
	+	* Bank account (Aadhaar-linked)
	+	* Land ownership proof
	+	* Caste certificate (if applicable)
	+
	+	Full document checklist: [[:documents:pmay-application\|Documents required for pmay application]]
	+
	+	===== Timeline =====
	+	6-12 months from sanction to completion. First instalment in 30-60 days of approval.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://pmayg.nic.in\|pmayg.nic.in]]
	+	* Helpline: PMAY-G Helpline: 1800-11-6446
	+	* 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 =====
	+	* Name not in SECC 2011 — apply for Awaas Plus list at BDO.
	+	* No house plot — landless need state-allotted plot first.
	+	* Geotag photo issues — use NMMS app correctly; BDO can re-tag on visit.
	+	* Instalment delayed — file RTI to BDO + DRDA citing PMAY-G operational guidelines.
	+
	+	===== 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:farmers\|All farmers schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== I am landless. Can I still apply? ====
	+	Need land first. State govt provides plot under separate component (e.g., Indira Awaas Land scheme).
	+
	+	==== Can I get more than Rs 1.3 lakh? ====
	+	No — that is the cap. State governments may add convergence funds (Pakka Char, etc.).
	+
	+	==== How long to complete construction? ====
	+	12 months from first instalment. Extension possible with reasoning.
	+
	+	==== Instalment stuck > 90 days? ====
	+	File RTI to BDO + DRDA. Use the AI RTI Drafter.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Rs 1.2 lakh (plain areas) / Rs 1.3 lakh (hilly + NE) direct grant to build a pucca house. Apply at pmayg.nic.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://pmayg.nic.in\|pmayg.nic.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: pmayg.nic.in
	+	* Issued by: Ministry of Rural Development
	+	* 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 pmay-gramin}}

Mukhyamantri Majhi Ladki Bahin Yojana

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(ladki bahin yojana, majhi ladki bahin, ladki bahin maharashtra, ladki bahin status)
	+	metatag-description=(Maharashtra govt scheme: Rs 1,500/month direct to women aged 21-65 in eligible families. ~2.5 crore beneficiaries. * Maharashtra resident, woman aged 21-65 *.)
	+	}}

	+	====== Mukhyamantri Majhi Ladki Bahin Yojana ======
	+	{{ :social:auto:yojana-ladki-bahin-yojana.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Rs 1,500 per month direct to bank account of woman, age 21-65, in eligible Maharashtra household.
	+
	+	State: Maharashtra · Launched: 2024 · Issued by: Maharashtra Govt — Women & Child Development Dept
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Maharashtra resident, woman aged 21-65
	+	* Family income < Rs 2.5 lakh/year
	+	* No 4-wheeler in family
	+	* Not eligible if any family member is govt employee with regular salary
	+	* Aadhaar + Aadhaar-linked bank account
	+
	+	===== What you get =====
	+	Rs 1,500/month direct to woman's bank account. ~2.5 crore beneficiaries. Started August 2024.
	+
	+	===== How to apply (step-by-step) =====
	+	- Visit nearest Aaple Sarkar Seva Kendra — Or apply online via aaplesarkar portal.
	+	- Submit Aadhaar + ration card + bank passbook — Plus self-declaration of family income.
	+	- Block office verifies in 30 days — Approved beneficiaries notified via SMS.
	+	- Monthly DBT begins — Rs 1,500 credited 7th-15th of each month.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Maharashtra ration card
	+	* Bank passbook (Aadhaar-linked)
	+	* Self-declaration of income
	+
	+	===== Timeline =====
	+	First credit: 60-90 days from approval.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://aaplesarkar.mahaonline.gov.in\|aaplesarkar.mahaonline.gov.in]]
	+	* Helpline: Maharashtra WCD: 1800-22-0445
	+
	+	===== Common issues =====
	+	* Family income > Rs 2.5L — disqualifies; income certificate needed.
	+	* Ration card not Maharashtra — domicile required.
	+	* 4-wheeler in family — disqualifies; verify before applying.
	+	* Bank Aadhaar de-linked — DBT bounces.
	+
	+	===== 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 =====
	+	==== How is family income verified? ====
	+	Income cert + ration card + utility bills. Auto-checked against IT records.
	+
	+	==== Can married woman in joint family apply? ====
	+	Yes if family income < Rs 2.5L and meets other criteria.
	+
	+	==== Money delayed > 30 days? ====
	+	File RTI to WCD Maharashtra. Use AI RTI Drafter.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Rs 1,500 per month direct to bank account of woman, age 21-65, in eligible Maharashtra household. Apply at aaplesarkar.mahaonline.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://aaplesarkar.mahaonline.gov.in\|aaplesarkar.mahaonline.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: aaplesarkar.mahaonline.gov.in
	+	* Issued by: Maharashtra Govt — Women & Child Development Dept
	+	* Launched: 2024
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana ladki-bahin-yojana maharashtra}}

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 12:33	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}}

Pradhan Mantri Kaushal Vikas Yojana (PMKVY)

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pmkvy, pradhan mantri kaushal vikas, skill india, pmkvy 4.0, free skill training)
	+	metatag-description=(Free skill training in 250+ trades + government certification + Rs 8,000 placement assistance. * Indian citizen, age 15-45 (varies by scheme) * Currently.)
	+	}}

	+	====== Pradhan Mantri Kaushal Vikas Yojana (PMKVY) ======
	+	{{ :social:auto:yojana-pmkvy-skill-india.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Free 200-600 hour skill training + government certification + Rs 8,000 post-training assistance.
	+
	+	Launched: 2015 · Issued by: Ministry of Skill Development & Entrepreneurship
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian citizen, age 15-45 (varies by scheme)
	+	* Currently unemployed OR underemployed
	+	* Aadhaar + bank account
	+	* 8th-12th class education (varies by trade)
	+
	+	===== What you get =====
	+	Free training in 250+ trades (carpentry, electrician, beautician, retail, hospitality, healthcare, IT, etc.). Government-recognised certification (NSQF-aligned). Stipend of Rs 1,500-3,000/month during training. Rs 8,000 placement assistance. Free hostel for women trainees.
	+
	+	===== How to apply (step-by-step) =====
	+	- Find empanelled training center — pmkvyofficial.org → search by trade + city.
	+	- Submit application — Online or at center — Aadhaar + photo + qualification.
	+	- Counselling + selection — Center assesses fit for trade.
	+	- Free training (200-600 hours) — Practical + theory; stipend during.
	+	- Assessment + certification — NSQF-recognised cert.
	+	- Placement assistance — Center connects to employers; Rs 8,000 post-placement support.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* 10th/12th certificate
	+	* Bank account
	+	* Caste cert (if applicable for fee waiver)
	+
	+	===== Timeline =====
	+	Course duration: 200-600 hours over 1-3 months. Placement: 30 days post-cert.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://pmkvyofficial.org\|pmkvyofficial.org]]
	+	* Helpline: PMKVY: 1800-123-9626
	+
	+	===== Common issues =====
	+	* Center not empanelled — verify on official portal first.
	+	* Trade not available locally — relocate or wait for next batch.
	+	* Stipend not credited — Aadhaar-bank linkage issue.
	+	* Placement weak — center rating matters; choose top-rated.
	+
	+	===== 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:students\|All students schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Is training free? ====
	+	Yes — full free + stipend during training.
	+
	+	==== Will I get a job? ====
	+	Placement assistance provided. Cert is recognised but employers decide.
	+
	+	==== Can I do multiple trades? ====
	+	Yes — sequentially. Each adds to skill profile.
	+
	+	==== Stipend stuck > 30 days? ====
	+	File RTI to NSDC + State Skill Mission.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Free 200-600 hour skill training + government certification + Rs 8,000 post-training assistance. Apply at pmkvyofficial.org. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://pmkvyofficial.org\|pmkvyofficial.org]]
	+	* 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: pmkvyofficial.org
	+	* Issued by: Ministry of Skill Development & Entrepreneurship
	+	* 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 pmkvy-skill-india}}

Pradhan Mantri Matru Vandana Yojana (PMMVY)

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pmmvy, matru vandana, pregnant women yojana, pmmvy first child, pmmvy 5000)
	+	metatag-description=(Rs 5,000 maternity benefit for first live birth (across 2 instalments) + Rs 6,000 if second child is a girl. Direct to mother's bank account.)
	+	}}

	+	====== Pradhan Mantri Matru Vandana Yojana (PMMVY) ======
	+	{{ :social:auto:yojana-pmmvy-matru-vandana.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Rs 5,000 for first child + Rs 6,000 additional if second child is a girl (total Rs 11,000 across 2 children).
	+
	+	Launched: 2017 · Issued by: Ministry of Women & Child Development
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Pregnant woman, age 19+
	+	* First live birth (or first girl child for additional Rs 6,000 on second)
	+	* Aadhaar-linked bank account
	+	* Anganwadi or hospital registration of pregnancy
	+
	+	===== What you get =====
	+	Rs 5,000 for first child in 2 instalments: Rs 3,000 on early pregnancy registration (within 150 days) + Rs 2,000 on first ANC + 6 months. Rs 6,000 additional on second-girl-child birth (single instalment).
	+
	+	===== How to apply (step-by-step) =====
	+	- Register at Anganwadi / govt hospital — Within first trimester for full benefit.
	+	- Submit Form 1A + KYC — Aadhaar of mother + father + bank account + MCP card.
	+	- Anganwadi worker submits to PMMVY-CAS — Online application; you receive an ID.
	+	- First instalment after verification — Rs 3,000 credited 60-90 days of registration.
	+	- Second instalment after first ANC + 6 months — Rs 2,000 credited.
	+	- On second-child-girl birth — File fresh Form 1A; Rs 6,000 in single instalment.
	+
	+	===== Documents needed =====
	+	* Aadhaar (mother + father)
	+	* MCP card / ANC record
	+	* Bank passbook (Aadhaar-linked)
	+
	+	===== Timeline =====
	+	First instalment: 60-90 days of registration. Second: 60 days of completion of milestone.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://wcd.nic.in/pmmvy-pradhan-mantri-matru-vandana-yojana\|wcd.nic.in/pmmvy-pradhan-mantri-matru-vandana-yojana]]
	+	* Helpline: PMMVY: 011-23380109 / Anganwadi worker
	+
	+	===== Common issues =====
	+	* Aadhaar of father missing — required for PMMVY 2.0 framework. Get Aadhaar first.
	+	* Late registration (after 150 days) — disqualifies first instalment of Rs 3,000.
	+	* Bank Aadhaar de-linked — DBT fails. Visit bank.
	+	* Second-child rule misunderstood — only girl-child gets Rs 6,000; second boy gets nothing additional.
	+
	+	===== 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 =====
	+	==== Why father's Aadhaar required? ====
	+	PMMVY 2.0 (2022) added father's Aadhaar as KYC. Single mothers / abandoned can submit affidavit.
	+
	+	==== What if I miss the early registration window? ====
	+	You forfeit the first Rs 3,000 instalment. Second instalment of Rs 2,000 still possible.
	+
	+	==== Is there any cap on the woman's age? ====
	+	Minimum 19 years. No upper cap.
	+
	+	==== Money delayed > 90 days? ====
	+	File RTI to ICDS/WCD State office. Use AI RTI Drafter.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Rs 5,000 for first child + Rs 6,000 additional if second child is a girl (total Rs 11,000 across 2 children). Apply at wcd.nic.in/pmmvy-pradhan-mantri-matru-vandana-yojana. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://wcd.nic.in/pmmvy-pradhan-mantri-matru-vandana-yojana\|wcd.nic.in/pmmvy-pradhan-mantri-matru-vandana-yojana]]
	+	* 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: wcd.nic.in/pmmvy-pradhan-mantri-matru-vandana-yojana
	+	* Issued by: Ministry of Women & Child Development
	+	* Launched: 2017
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana pmmvy-matru-vandana}}

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 12:33	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}}

Ayushman Bharat (PM-JAY) — Rs 5 lakh/year health cover free (2026)

anonymous@undisclosed.example.com (Anonymous) — Mon, 27 Apr 2026 12:04:49 +0000

2026/05/03 12:33	current
Line 1:	Line 1:
	+	{{htmlmetatags>
	+	metatag-keywords=(ayushman bharat, pmjay, pm-jay, ab pmjay, free health insurance, ayushman card)
	+	metatag-description=(Cashless treatment up to Rs 5 lakh/family/year at 30,000+ empanelled hospitals. Free for SECC 2011 list + Sept 2024 expansion to all 70+ regardless of income.)
	+	}}

	+	====== Ayushman Bharat (PM-JAY) — Rs 5 lakh/year health cover free (2026) ======
	+
	+
	+	<WRAP center round info 80%>
	+	📘 Deep-dive guide: [[:apply-ayushman-bharat-pmjay-card-2026\|Full deep-dive — PMJAY card: hospital refusal RTI]]
	+	</WRAP>
	+
	+
	+	{{ :social:auto:yojana-ayushman-bharat-pmjay.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Rs 5 lakh per family per year cashless at 30,000+ empanelled hospitals — free, no premium.
	+
	+	Launched: 2018 · Issued by: Ministry of Health & Family Welfare / National Health Authority
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* SECC 2011 deprivation list (rural) OR occupational categories (urban)
	+	* Senior 70+ — auto-eligible since September 2024 (any income)
	+	* Aadhaar + ration card or occupational ID
	+	* NOT eligible if all family members in formal sector with private insurance
	+
	+	===== What you get =====
	+	Rs 5 lakh per family per year at 30,000+ empanelled hospitals. Coverage: 1,393 packages including cancer, cardiology, neurology, joint replacement, dialysis, NICU/PICU. No waiting period for pre-existing conditions. Cashless and paperless.
	+
	+	===== How to apply (step-by-step) =====
	+	- Verify eligibility at beneficiary.nha.gov.in — Search by name + state + Aadhaar / ration card.
	+	- Get Ayushman card — CSC, empanelled hospital, or Ayushman Mitra desk.
	+	- Aadhaar verification + photo + biometric — Each family member separately.
	+	- PVC or e-card issued same-day — Carry to any empanelled hospital for cashless treatment.
	+	- Walk in to empanelled hospital — Show card + Aadhaar; hospital auto-bills NHA.
	+	- Treatment cashless — No upfront payment; NHA reimburses hospital.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Ration card / SECC 2011 ID
	+	* Age proof (for 70+ extension)
	+
	+	Full document checklist: [[:documents:ayushman-bharat-card\|Documents required for ayushman bharat card]]
	+
	+	===== Timeline =====
	+	Card issuance: same-day. Cashless treatment: on-the-spot at empanelled hospitals.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://beneficiary.nha.gov.in\|beneficiary.nha.gov.in]]
	+	* Helpline: PMJAY: 14555 / 1800-111-565
	+	* Track status: [[:check-status:ayushman-bharat-status\|How to check status]]
	+	* Step-by-step apply guide: [[:how-to-apply:ayushman-bharat\|How-to-apply walkthrough]]
	+
	+	===== Common issues =====
	+	* SECC 2011 list missing your name — apply for state-supplementary scheme (CMCHIS, MJPJAY, ABRY etc.).
	+	* Aadhaar mismatch with SECC — name spelling differs; update Aadhaar.
	+	* Hospital not empanelled — use list at hospitals.pmjay.gov.in.
	+	* Cashless denied at empanelled hospital — file complaint at pmjay.gov.in/grievances.
	+
	+	===== 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-ayushman-bharat-claim\|Open the AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:senior-citizens\|All senior citizens schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Senior 70+ — really income-free? ====
	+	Yes — September 2024 expansion. Apply with just Aadhaar + age proof.
	+
	+	==== Pre-existing illness covered? ====
	+	Yes — no waiting period. Covered from day 1.
	+
	+	==== Can I use across states? ====
	+	Yes — pan-India empanelled hospitals. Cashless treatment everywhere.
	+
	+	==== OPD covered? ====
	+	No — only in-patient. OPD covered separately under Ayushman Arogya Mandir at PHC/SHC.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Rs 5 lakh per family per year cashless at 30,000+ empanelled hospitals — free, no premium. Apply at beneficiary.nha.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://beneficiary.nha.gov.in\|beneficiary.nha.gov.in]]
	+	* Step-by-step guide: [[:how-to-apply:ayushman-bharat\|Apply walkthrough]]
	+	* Documents needed: [[:documents:ayushman-bharat-card\|Required documents]]
	+	* Track existing application: [[:check-status:ayushman-bharat-status\|Status check]]
	+	* If delayed — RTI Drafter: [[:rti-for-ayushman-bharat-claim\|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: beneficiary.nha.gov.in
	+	* Issued by: Ministry of Health & Family Welfare / National Health Authority
	+	* Launched: 2018
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana ayushman-bharat-pmjay}}

Jal Jeevan Mission — tap water connection to every rural home (2026)

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(jal jeevan mission, jjm tap water, har ghar jal, jjm scheme, jjm 2024)
	+	metatag-description=(Functional tap water to every rural household by 2024 (target). 75%+ households covered as of 2026. * Every rural household in India (universal scheme) * No fee at.)
	+	}}

	+	====== Jal Jeevan Mission — tap water connection to every rural home (2026) ======
	+
	+	{{ :social:auto:yojana-jjm-jal-jeevan.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Free tap water connection + 55 litres per person per day at safe quality.
	+
	+	Launched: 2019 · Issued by: Ministry of Jal Shakti
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Every rural household in India (universal scheme)
	+	* No fee at household level
	+	* Implemented via state Public Health Engineering Departments
	+
	+	===== What you get =====
	+	Functional Household Tap Connection (FHTC). Min 55 litres per capita per day at adequate quality (BIS 10500). Operations + maintenance funded by Rs 3.60 lakh crore (2019-2024).
	+
	+	===== How to apply (step-by-step) =====
	+	- Check if your village is JJM-saturated — jaljeevanmission.gov.in → village dashboard.
	+	- If not yet, file demand at Gram Panchayat — Panchayat consolidates + forwards to PHED.
	+	- PHED prepares Detailed Project Report (DPR) — Includes source + treatment + distribution.
	+	- Construction by PHED contractor — 3-12 months.
	+	- Connection at home — Tap installed; meter optional.
	+	- Operations + maintenance — Pay nominal user charge for sustenance (Rs 50-100/month).
	+
	+	===== Documents needed =====
	+	* Address proof (gram panchayat letter)
	+	* No personal docs needed for connection
	+
	+	===== Timeline =====
	+	Connection: depends on village JJM status (3-24 months).
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://jaljeevanmission.gov.in\|jaljeevanmission.gov.in]]
	+	* Helpline: JJM (state PHED helplines)
	+
	+	===== Common issues =====
	+	* Village not yet JJM-saturated — wait for project; track via portal.
	+	* Tap installed but no water — source/distribution issue; complain at PHED.
	+	* Quality issues — water test reports must be on display at village board.
	+	* O&M user charge dispute — VWSC (village water + sanitation committee) decides.
	+
	+	===== 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:farmers\|All farmers schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Cost to household? ====
	+	Connection free. O&M user charge Rs 50-100/month for sustenance.
	+
	+	==== Quality really 55 LPCD? ====
	+	Mandated minimum. RTI for source + test reports if doubt.
	+
	+	==== What if tap dries up? ====
	+	Source failure; PHED responsibility to restore.
	+
	+	==== Project stuck > 12 months? ====
	+	File RTI to PHED + Ministry of Jal Shakti.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Free tap water connection + 55 litres per person per day at safe quality. Apply at jaljeevanmission.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://jaljeevanmission.gov.in\|jaljeevanmission.gov.in]]
	+	* If delayed — RTI Drafter: [[:citizen-rti-playbook\|File RTI in 5 minutes]]
	+	* Browse all yojanas: [[:yojana:start\|Sarkari Yojana index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:yojana:start\|All Sarkari Yojanas]]
	+	* [[:check-status:start\|Status-check guides]]
	+	* [[:helplines:start\|Helplines + grievance]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana jjm-jal-jeevan}}

Pradhan Mantri Mudra Yojana (PMMY)

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(mudra yojana, pm mudra, mudra loan, shishu kishor tarun, mudra loan eligibility)
	+	metatag-description=(Loan Rs 50K (Shishu) → Rs 5L (Kishor) → Rs 10L (Tarun) for non-corporate, non-farm small enterprise. NO COLLATERAL. * Indian citizen, age 18+ * Non-corporate,.)
	+	}}

	+	====== Pradhan Mantri Mudra Yojana (PMMY) ======
	+	{{ :social:auto:yojana-mudra-yojana.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Loan Rs 50,000 (Shishu) / Rs 5 lakh (Kishor) / Rs 10 lakh (Tarun) — collateral-free, for non-corporate non-farm small enterprise.
	+
	+	Launched: 2015 · Issued by: Ministry of Finance / SIDBI
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian citizen, age 18+
	+	* Non-corporate, non-farm small enterprise (manufacturing, processing, trading, service)
	+	* Aadhaar + bank account
	+	* Existing or new business (not for personal use)
	+
	+	===== What you get =====
	+	Three tiers: Shishu (up to Rs 50,000), Kishor (Rs 50,001-5L), Tarun (Rs 5L-10L). Collateral-free. Bank rate (typically 9-12%). Tenure 3-5 years. Available at all PSU banks, RRBs, Small Finance Banks, NBFCs, MFIs.
	+
	+	===== How to apply (step-by-step) =====
	+	- Identify your tier — Shishu for new, Kishor for established, Tarun for expansion.
	+	- Visit any bank / NBFC / MFI — All Mudra-empanelled lenders.
	+	- Submit business plan + KYC — Aadhaar + PAN + business proof + bank statement.
	+	- Lender appraises — 30-45 days — No collateral required.
	+	- Loan disbursed to bank account — EMI starts in 30-90 days post-disbursal.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* PAN
	+	* Business proof (Udyam / GST / shop establishment)
	+	* Bank statement (6 months)
	+	* Business plan (Tarun)
	+
	+	===== Timeline =====
	+	Disbursal: 30-45 days for Shishu/Kishor; 45-60 days for Tarun.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://mudra.org.in\|mudra.org.in]]
	+	* Helpline: PMMY: contact lender bank
	+	* Step-by-step apply guide: [[:how-to-apply:udyam-msme\|How-to-apply walkthrough]]
	+
	+	===== Common issues =====
	+	* Bank refuses citing risk — try multiple banks; SLBC coordinator if blocked at all PSUs.
	+	* Loan demanded for personal use — only business eligible. Show genuine business plan.
	+	* Documents incomplete — get Udyam Registration first; speeds Mudra approval.
	+	* Default risk — CGTMSE backstops to lender; you still owe principal + interest.
	+
	+	===== 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 =====
	+	==== Is collateral really not needed? ====
	+	Yes — fully collateral-free. CGTMSE backs the lender.
	+
	+	==== Can I use Mudra for new business? ====
	+	Yes — Shishu tier (up to Rs 50K) is for new. Provide business plan.
	+
	+	==== What if I default? ====
	+	CGTMSE pays lender; you still owe debt. Recovery via standard process.
	+
	+	==== Loan stuck > 60 days? ====
	+	SLBC PMMY coordinator + RTI to lender + DRDA.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Loan Rs 50,000 (Shishu) / Rs 5 lakh (Kishor) / Rs 10 lakh (Tarun) — collateral-free, for non-corporate non-farm small enterprise. Apply at mudra.org.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://mudra.org.in\|mudra.org.in]]
	+	* Step-by-step guide: [[:how-to-apply:udyam-msme\|Apply walkthrough]]
	+	* 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: mudra.org.in
	+	* Issued by: Ministry of Finance / SIDBI
	+	* 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 mudra-yojana}}

National Pension System (NPS) — voluntary retirement pension (2026)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 20:05:11 +0000

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(nps, national pension system, nps tier 1, nps tier 2, nps tax benefit)
	+	metatag-description=(Voluntary retirement pension scheme. Equity + debt mix. Up to 60% lump-sum + 40% annuity at age 60. Tax benefit Rs 50K extra under 80CCD(1B).)
	+	}}

	+	====== National Pension System (NPS) — voluntary retirement pension (2026) ======
	+
	+	{{ :social:auto:yojana-nps-pension.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Tax-efficient retirement corpus + lifelong pension. 60% lump-sum + 40% mandatory annuity at age 60.
	+
	+	Launched: 2004 · Issued by: Pension Fund Regulatory & Development Authority (PFRDA)
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian citizen (resident or NRI), age 18-70 entry
	+	* NRIs eligible too
	+	* Voluntary; all sectors (govt + private + self-employed)
	+	* Aadhaar + bank account
	+
	+	===== What you get =====
	+	Equity + corporate bonds + govt bonds + alternate (Tier 1, lock-in till 60) and Tier 2 (no lock-in). Tax benefits: Sec 80CCD(1) up to 10% of salary + Sec 80CCD(1B) extra Rs 50K + Sec 80CCD(2) employer contribution. At 60: 60% lump-sum (tax-free) + 40% annuity (taxable).
	+
	+	===== How to apply (step-by-step) =====
	+	- Open NPS account online (eNPS) — enps.nsdl.com or via bank/POP.
	+	- Choose POP-Service Provider — Banks, India Post, online platforms.
	+	- Choose investment mode — Active (you choose mix) or Auto (lifecycle-based).
	+	- Choose pension fund manager — 8 PFMs available; switching allowed once a year.
	+	- Contribute (no minimum after first Rs 500) — Online or auto-debit.
	+	- At 60 — withdraw 60% lump-sum, 40% annuity — Buy annuity from any of 7 ASPs.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* PAN
	+	* Bank account
	+	* Photograph + signature
	+
	+	===== Timeline =====
	+	PRAN (account number): same-day for online; 7 days postal.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://npscra.nsdl.co.in\|npscra.nsdl.co.in]]
	+	* Helpline: NPS: 1800-2222-80
	+
	+	===== Common issues =====
	+	* Annuity rates fall over time — choose right ASP (LIC, HDFC, etc.) at 60.
	+	* Premature withdrawal restricted — only for terminal illness, marriage of children, or buying first home.
	+	* Tier 2 less tax-advantaged but more flexible — separate account from Tier 1.
	+	* Fund manager change allowed once a year only.
	+
	+	===== 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:senior-citizens\|All senior citizens schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Is NPS guaranteed return? ====
	+	No — market-linked. Equity gives long-term growth; debt + bonds smooth volatility.
	+
	+	==== Tax benefits really Rs 2L? ====
	+	80CCD(1) up to 10% of salary (within 80C limit Rs 1.5L) + 80CCD(1B) extra Rs 50K = Rs 2L total.
	+
	+	==== Can I exit fully at 60? ====
	+	No — at least 40% must buy annuity. Up to 60% lump-sum + 40% annuity. Pension lifelong.
	+
	+	==== Fund management fees? ====
	+	Among lowest globally — 0.01% to 0.09% per annum. Cheaper than mutual funds.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Tax-efficient retirement corpus + lifelong pension. 60% lump-sum + 40% mandatory annuity at age 60. Apply at npscra.nsdl.co.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://npscra.nsdl.co.in\|npscra.nsdl.co.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: npscra.nsdl.co.in
	+	* Issued by: Pension Fund Regulatory & Development Authority (PFRDA)
	+	* Launched: 2004
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana nps-pension}}

PM Surya Ghar — free electricity up to 300 units + rooftop solar

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pm surya ghar, free solar electricity, rooftop solar subsidy, pm surya ghar 2026)
	+	metatag-description=(Subsidy 60-78% on rooftop solar (1-3 kW) + ZERO electricity bill up to 300 units/month free for 1 crore households. * Indian household with own roof / rented with.)
	+	}}

	+	====== PM Surya Ghar — free electricity up to 300 units + rooftop solar ======
	+	{{ :social:auto:yojana-pm-suryaghar.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Free electricity up to 300 units/month + Rs 30,000-78,000 subsidy on 1-3 kW rooftop solar installation.
	+
	+	Launched: 2024 · Issued by: Ministry of New & Renewable Energy
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian household with own roof / rented with owner consent
	+	* Connected to grid (DISCOM connection)
	+	* Aadhaar-linked bank account
	+	* Discom no-objection (NOC) for rooftop installation
	+
	+	===== What you get =====
	+	Subsidy on rooftop solar: Rs 30,000 (1 kW) + Rs 60,000 (2 kW) + Rs 78,000 (3 kW). Free electricity up to 300 units/month for 1 crore households (priority: lower-income). DISCOM net-metering credits surplus.
	+
	+	===== How to apply (step-by-step) =====
	+	- Visit pmsuryaghar.gov.in — Register with consumer number + Aadhaar.
	+	- Choose installer — Empanelled vendor list at portal.
	+	- DISCOM technical feasibility — Discom inspects roof + electrical infrastructure; issues NOC.
	+	- Installation by vendor — Rooftop panels + inverter + meter installed.
	+	- Net-meter installed by DISCOM — Bidirectional meter measures generation + consumption.
	+	- Subsidy disbursed in 30 days — Direct to vendor / your bank.
	+	- Net-metering bills — Surplus exported = credit on next bill.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Latest electricity bill
	+	* Roof ownership / NOC if rented
	+	* Bank account
	+
	+	===== Timeline =====
	+	60-90 days from registration to commissioning. Subsidy: 30 days post-installation.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://pmsuryaghar.gov.in\|pmsuryaghar.gov.in]]
	+	* Helpline: PM Surya Ghar: 1800-180-3333
	+
	+	===== Common issues =====
	+	* Roof-load capacity insufficient — vendor inspection identifies; some structures need reinforcement.
	+	* DISCOM NOC delayed — file RTI to DISCOM citing PM Surya Ghar guidelines.
	+	* Vendor fraud — pay only via portal; never cash to vendor.
	+	* Net-metering meter delayed — DISCOM responsibility; escalate via portal.
	+
	+	===== 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:farmers\|All farmers schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== How much do I save annually? ====
	+	A 3 kW system in good sun saves ~Rs 12,000-15,000/year on electricity. Pays back in 4-5 years.
	+
	+	==== Is it really free electricity for 1 crore households? ====
	+	Free up to 300 units/month for selected (priority) households. Others get subsidy + net-metering credits.
	+
	+	==== Can I get loan for the rooftop install? ====
	+	Yes — banks empanelled offer low-interest loans for solar.
	+
	+	==== What about maintenance? ====
	+	Annual cleaning + 25-year panel warranty. Inverter typical replacement at year 10 (~Rs 30K).
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Free electricity up to 300 units/month + Rs 30,000-78,000 subsidy on 1-3 kW rooftop solar installation. Apply at pmsuryaghar.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://pmsuryaghar.gov.in\|pmsuryaghar.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: pmsuryaghar.gov.in
	+	* Issued by: Ministry of New & Renewable Energy
	+	* Launched: 2024
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana pm-suryaghar}}

PM SVANidhi — Rs 50K loan for street vendors (2026)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 20:05:11 +0000

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pm svanidhi, street vendor loan, pm svanidhi 50000, vendor scheme, pm svanidhi 7 percent)
	+	metatag-description=(Working capital loan Rs 10K → 20K → 50K for street vendors with timely-repayment history. 7% interest subvention. Apply at any bank.)
	+	}}

	+	====== PM SVANidhi — Rs 50K loan for street vendors (2026) ======
	+
	+	{{ :social:auto:yojana-pm-svanidhi.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Working capital loan Rs 10,000 → Rs 20,000 → Rs 50,000 (escalating). 7% interest subvention. Cashback for digital transactions.
	+
	+	Launched: 2020 · Issued by: Ministry of Housing & Urban Affairs
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Street vendor with vending certificate / vending zone identification
	+	* Pre-existing vendor (had stopped during COVID is also eligible)
	+	* Aadhaar + bank account
	+	* Eligible for repeat loans on timely repayment
	+
	+	===== What you get =====
	+	Loan ladder: Rs 10K (Year 1, 12-month tenure) → Rs 20K (Year 2, 18-month) → Rs 50K (Year 3, 36-month). 7% interest subvention from %%MoHUA%%. Rs 100/month cashback for digital transactions (up to Rs 1,200/year).
	+
	+	===== How to apply (step-by-step) =====
	+	- Apply at any bank or via mobile app — pmsvanidhi.mohua.gov.in or mobile app.
	+	- Submit Aadhaar + identification — Vendor certificate / urban local body certificate.
	+	- Bank verifies + sanctions in 30 days — No collateral.
	+	- Repay within tenure — Monthly EMIs.
	+	- On full repayment — eligible for next-tier loan — Auto-application for Rs 20K then Rs 50K.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Bank account
	+	* Vendor certificate (or urban local body letter)
	+	* Mobile number
	+
	+	===== Timeline =====
	+	Loan disbursal: 30-45 days from application.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://pmsvanidhi.mohua.gov.in\|pmsvanidhi.mohua.gov.in]]
	+	* Helpline: PM SVANidhi: 1800-1800-991
	+
	+	===== Common issues =====
	+	* No vendor certificate — get one from urban local body; many cities issue free.
	+	* Bank refuses citing risk — escalate to SLBC PM SVANidhi coordinator.
	+	* Repayment failure — penalty + disqualification from next-tier; talk to bank for restructuring.
	+	* Digital cashback not credited — verify Aadhaar-bank-mobile link is active.
	+
	+	===== 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 =====
	+	==== Is collateral required? ====
	+	No — fully collateral-free. Govt bears credit risk via interest subvention + guarantee.
	+
	+	==== Can I apply for Rs 50K directly? ====
	+	No — must complete Rs 10K → Rs 20K successfully first. Builds credit history.
	+
	+	==== What if I default? ====
	+	Disqualified from next tier. CGTMSE backstops loss to bank but you owe principal + interest.
	+
	+	==== Loan delayed > 45 days? ====
	+	File RTI to DUSIB / urban local body + bank SLBC coordinator.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Working capital loan Rs 10,000 → Rs 20,000 → Rs 50,000 (escalating). 7% interest subvention. Cashback for digital transactions. Apply at pmsvanidhi.mohua.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://pmsvanidhi.mohua.gov.in\|pmsvanidhi.mohua.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: pmsvanidhi.mohua.gov.in
	+	* Issued by: Ministry of Housing & Urban Affairs
	+	* Launched: 2020
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana pm-svanidhi}}

Pradhan Mantri Fasal Bima Yojana (PMFBY)

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pmfby, pradhan mantri fasal bima, crop insurance, fasal bima yojana, pmfby claim)
	+	metatag-description=(Crop insurance covering yield loss, prevented sowing, post-harvest losses. Farmer pays only 1.5-2% (kharif) or 5% (commercial) — government bears the rest.)
	+	}}

	+	====== Pradhan Mantri Fasal Bima Yojana (PMFBY) ======
	+	{{ :social:auto:yojana-pmfby-fasal-bima.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Up to 90% of insured crop loss compensated. Farmer share: 1.5% (rabi) / 2% (kharif) / 5% (commercial) of sum insured.
	+
	+	Launched: 2016 · Issued by: Ministry of Agriculture & Farmers Welfare
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* All farmers (loanee + non-loanee) growing notified crops in notified areas
	+	* Voluntary; loanee farmers can opt-out on declaration
	+	* Crop notified by State Govt for the season
	+	* Aadhaar mandatory
	+
	+	===== What you get =====
	+	Compensation: Up to 90% of insured crop loss. Coverage: yield loss (90%), prevented sowing (25%), post-harvest losses (90%). Sum insured: typically Rs 25,000-50,000 per acre, varies by crop.
	+
	+	===== How to apply (step-by-step) =====
	+	- Apply via bank (loanee) or CSC / portal (non-loanee) — pmfby.gov.in for online; cut-off date varies by state + season.
	+	- Choose crop + acreage — From state-notified list.
	+	- Pay premium — 1.5-2% (food crops) or 5% (commercial). Govt pays balance.
	+	- Crop monitored by ATMA / KVK — Random crop-cutting experiments determine yield.
	+	- On notified loss event — auto-claim — No application needed; insurer auto-pays based on yield data.
	+	- Claim credited to Aadhaar-linked account — Within 60-90 days of yield assessment.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Bank account (Aadhaar-linked)
	+	* Land record / 7-12
	+	* Sowing certificate (some states)
	+
	+	===== Timeline =====
	+	Claim: 60-90 days post-yield assessment. Payouts may take 6 months total in some seasons.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://pmfby.gov.in\|pmfby.gov.in]]
	+	* Helpline: PMFBY: 1800-3001-4001
	+
	+	===== Common issues =====
	+	* Premium not paid by cut-off — coverage void; track state cut-off dates carefully.
	+	* Crop not notified — only listed crops in listed villages eligible. Check before sowing.
	+	* Aadhaar not linked to bank — DBT bounces; fix at bank.
	+	* Yield assessment disputed — appeal to DLMC (District Level Monitoring Committee).
	+
	+	===== 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-fasal-bima-claim\|Open the AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:farmers\|All farmers schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== How is loss assessed? ====
	+	Crop-cutting experiments by State Agriculture Univ + insurer. Smartphone app PMFBY-CCE for digital reporting.
	+
	+	==== What about partial loss? ====
	+	Pro-rata: if yield drops 30% below threshold, you get 30% of insured sum.
	+
	+	==== Cyclone/flood loss — what timeframe? ====
	+	Notify within 72 hours via app / call insurer. Photo evidence helps.
	+
	+	==== Claim delayed > 90 days? ====
	+	File RTI to DLMC + state agriculture department.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Up to 90% of insured crop loss compensated. Farmer share: 1.5% (rabi) / 2% (kharif) / 5% (commercial) of sum insured. Apply at pmfby.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://pmfby.gov.in\|pmfby.gov.in]]
	+	* If delayed — RTI Drafter: [[:rti-for-fasal-bima-claim\|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: pmfby.gov.in
	+	* Issued by: Ministry of Agriculture & Farmers Welfare
	+	* 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 pmfby-fasal-bima}}

Udyam Registration (MSME) — free MSME ID + benefits (2026)

anonymous@undisclosed.example.com (Anonymous) — Sat, 25 Apr 2026 20:05:11 +0000

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(udyam registration, msme registration, udyam aadhaar, udyam certificate, msme registration online)
	+	metatag-description=(Free MSME registration. Auto-classified Micro / Small / Medium based on investment + turnover. Gateway to all MSME benefits.)
	+	}}

	+	====== Udyam Registration (MSME) — free MSME ID + benefits (2026) ======
	+
	+	{{ :social:auto:yojana-udyam-msme-registration.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Free 19-digit Udyam Registration Number — gateway to priority sector loans, %%GeM%% listing, late-payment protection, tender preferences.
	+
	+	Launched: 2020 · Issued by: Ministry of MSME
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian enterprise (proprietorship, partnership, LLP, company, trust, society, HUF)
	+	* Manufacturing OR service sector
	+	* Investment + turnover within MSME ceilings
	+	* Aadhaar of proprietor / partner / director (mandatory)
	+
	+	===== What you get =====
	+	Permanent registration. Auto-classification: Micro (<Rs 1cr inv / <Rs 5cr turnover) / Small (<Rs 10cr / <Rs 50cr) / Medium (<Rs 50cr / <Rs 250cr). Benefits: priority sector loans, %%GeM%% listing, MSE-Procurement Policy 25% reservation, ZED certification, IPR subsidy, late-payment recovery (MSMED Act §15-16).
	+
	+	===== How to apply (step-by-step) =====
	+	- Visit udyamregistration.gov.in — Click "For New Entrepreneurs..."
	+	- Aadhaar OTP — Of proprietor / managing partner / karta.
	+	- PAN + GSTIN verification — Auto-fetched if registered.
	+	- Fill enterprise details — Name, type, NIC code, employees, investment, turnover, bank.
	+	- Submit + receive Udyam Number — Permanent — no renewal required.
	+	- Annual update — Investment + turnover from ITR auto-fetched.
	+
	+	===== Documents needed =====
	+	* Aadhaar (with linked mobile)
	+	* PAN of enterprise
	+	* GSTIN (if turnover > Rs 40L services)
	+
	+	Full document checklist: [[:documents:udyam-msme-registration\|Documents required for udyam msme registration]]
	+
	+	===== Timeline =====
	+	Same-day issuance if Aadhaar + PAN + GSTIN match. Failures: 1-7 days.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://udyamregistration.gov.in\|udyamregistration.gov.in]]
	+	* Helpline: MSME Champions: 1800-180-6763
	+	* Track status: [[:check-status:udyam-registration-status\|How to check status]]
	+	* Step-by-step apply guide: [[:how-to-apply:udyam-msme\|How-to-apply walkthrough]]
	+
	+	===== Common issues =====
	+	* Aadhaar-PAN mismatch — name spelling. Update one to match.
	+	* Mobile not linked to Aadhaar — required for OTP. Link first.
	+	* Old Udyog Aadhaar holders — auto-migrated; if not, re-register fresh.
	+	* GSTIN required for >Rs 40L turnover.
	+
	+	===== 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 =====
	+	==== Renewal required? ====
	+	No — permanent. Annual update of turnover/investment auto-pulled from ITR.
	+
	+	==== Benefits of Udyam? ====
	+	Priority sector loans, %%GeM%% listing (1.4L+ MSME sellers), MSME tender preference 25% reservation, late-payment protection, IPR subsidies, ZED certification.
	+
	+	==== Application stuck > 7 days? ====
	+	File grievance at champions.gov.in OR RTI to MSME Development Institute.
	+
	+	==== Multiple branches — single registration? ====
	+	Yes — single Udyam covers all branches of same entity.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Free 19-digit Udyam Registration Number — gateway to priority sector loans, %%GeM%% listing, late-payment protection, tender preferences. Apply at udyamregistration.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://udyamregistration.gov.in\|udyamregistration.gov.in]]
	+	* Step-by-step guide: [[:how-to-apply:udyam-msme\|Apply walkthrough]]
	+	* Documents needed: [[:documents:udyam-msme-registration\|Required documents]]
	+	* Track existing application: [[:check-status:udyam-registration-status\|Status check]]
	+	* 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: udyamregistration.gov.in
	+	* Issued by: Ministry of MSME
	+	* Launched: 2020
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana udyam-msme-registration}}

PM Ujjwala Yojana (PMUY) — free LPG connection for women (2026)

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

2026/05/03 12:33	current
Line 1:	Line 1:
	+	{{htmlmetatags>metatag-keywords=(ujjwala yojana, pmuy, free lpg connection, pradhan mantri ujjwala, ujjwala 2.0)
	+	metatag-description=(PM Ujjwala Yojana (PMUY) — free LPG connection for women (2026) - verified citizen guide on RTI Wiki, India's independent Right to Information reference. Updated 202)}}

	+	====== PM Ujjwala Yojana (PMUY) — free LPG connection for women (2026) ======
	+
	+	{{ :social:auto:yojana-ujjwala-yojana.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Free LPG connection (regulator + first refill) in woman's name + Rs 200/cylinder subsidy on 12 refills per year.
	+
	+	Launched: 2016 · Issued by: Ministry of Petroleum & Natural Gas
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Adult woman in BPL household (or specified poor categories)
	+	* No existing LPG connection in family (any name)
	+	* Self-declaration if SECC 2011 / NFSA listed; KYC otherwise
	+	* PMUY 2.0 (2021): expanded to migrant women + landless labourers
	+
	+	===== What you get =====
	+	Free 14.2 kg LPG cylinder + regulator + first refill (~Rs 1,500-2,000 value). Refill subsidy: Rs 200/cylinder × 12/year (additional to general LPG subsidy if any).
	+
	+	===== How to apply (step-by-step) =====
	+	- Visit nearest LPG distributor (any of IOC / BPC / HPC) — Or apply at pmuy.gov.in.
	+	- Submit Form A + KYC — Aadhaar of woman + address proof + bank passbook + ration card / SECC ID.
	+	- Distributor verifies + forwards to OMC — Oil Marketing Company processes within 7-10 days.
	+	- Connection delivered — Cylinder + regulator + safety stove (if opted) delivered to home.
	+	- Refill subsidy auto-credited — Subsidy credited to Aadhaar-linked bank account on each refill.
	+
	+	===== Documents needed =====
	+	* Aadhaar of woman applicant
	+	* Bank account (Aadhaar-linked)
	+	* BPL ration card / SECC 2011 ID
	+	* Address proof
	+
	+	===== Timeline =====
	+	7-15 days for connection delivery after distributor approval.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://pmuy.gov.in\|pmuy.gov.in]]
	+	* Helpline: LPG Helpline: 1906
	+	* Track status: [[:check-status:lpg-subsidy-status\|How to check status]]
	+
	+	===== Common issues =====
	+	* Existing connection in any family member name disqualifies — surrender or refuse Ujjwala.
	+	* Refill subsidy not credited — verify Aadhaar-bank linkage via NPCI mapper.
	+	* Distributor demands cash for "free" connection — illegal; complain to LPG Vigilance.
	+	* Stove not delivered with kit — Ujjwala only includes cylinder + regulator; stove is optional EMI scheme.
	+
	+	===== 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-lpg-subsidy\|Open the AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:women\|All women schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Can a man receive Ujjwala connection? ====
	+	No — must be in adult woman's name. Family-level eligibility but legal title goes to the woman.
	+
	+	==== What is the refill subsidy in 2026? ====
	+	Rs 200 per cylinder × max 12 refills = Rs 2,400/year, additional to general LPG subsidy if any.
	+
	+	==== Delivery delayed > 15 days? ====
	+	File complaint at LPG Vigilance Cell + RTI to OMC + distributor.
	+
	+	==== Can I sell my Ujjwala connection? ====
	+	No — it is non-transferable. Misuse attracts cancellation + recovery.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Free LPG connection (regulator + first refill) in woman's name + Rs 200/cylinder subsidy on 12 refills per year. Apply at pmuy.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://pmuy.gov.in\|pmuy.gov.in]]
	+	* Track existing application: [[:check-status:lpg-subsidy-status\|Status check]]
	+	* If delayed — RTI Drafter: [[:rti-for-lpg-subsidy\|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: pmuy.gov.in
	+	* Issued by: Ministry of Petroleum & Natural Gas
	+	* 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 ujjwala-yojana}}

Ayushman Bharat Digital Mission (ABDM)

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(abdm, abha id, digital health india, abha health id, ayushman bharat digital mission)
	+	metatag-description=(Free 14-digit ABHA Health ID linking your medical records across hospitals + insurance + telemedicine. Voluntary. * Indian citizen of any age * Aadhaar OR.)
	+	}}

	+	====== Ayushman Bharat Digital Mission (ABDM) ======
	+	{{ :social:auto:yojana-abdm-digital-health.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Free 14-digit ABHA Health ID. Optional digital wallet of medical records — accessible anywhere with consent-based sharing.
	+
	+	Launched: 2021 · Issued by: National Health Authority
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian citizen of any age
	+	* Aadhaar OR mobile-based registration
	+	* Voluntary participation
	+	* Consent-based data sharing
	+
	+	===== What you get =====
	+	Free ABHA ID (14-digit). Digital wallet for medical records (lab reports, prescriptions, hospital discharge summaries). Consent-based access — only providers you authorize see your data. Linked to Ayushman Bharat for cashless beneficiary verification.
	+
	+	===== How to apply (step-by-step) =====
	+	- Visit abha.abdm.gov.in or download ABHA app — Or scan ABDM QR at any health facility.
	+	- Register with Aadhaar OTP or mobile — Aadhaar route is faster + auto-verified.
	+	- Receive ABHA ID + wallet — Stored in govt-managed health data wallet (HFR / HPR / HCX).
	+	- Link health records — Hospitals can push records on your consent.
	+	- Share with provider — On need-basis, share specific records via OTP-based consent.
	+
	+	===== Documents needed =====
	+	* Aadhaar OR mobile number
	+
	+	===== Timeline =====
	+	Same-day issuance.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://abha.abdm.gov.in\|abha.abdm.gov.in]]
	+	* Helpline: ABDM: 14477
	+
	+	===== Common issues =====
	+	* Hospitals not yet ABDM-integrated — push for adoption; ABDM is opt-in for facilities.
	+	* Records not appearing in wallet — check that hospital pushed; consent-based pull also possible.
	+	* Multiple ABHA IDs created accidentally — merge via portal.
	+	* Privacy concerns — data is consent-based; you control sharing.
	+
	+	===== 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:senior-citizens\|All senior citizens schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Is ABHA mandatory? ====
	+	No — voluntary. But becoming default for Ayushman Bharat beneficiary verification.
	+
	+	==== Can hospitals see my records without consent? ====
	+	No — consent-based via OTP. You authorize each share.
	+
	+	==== What happens if I lose my phone? ====
	+	Re-link via Aadhaar OTP. Records remain in govt wallet.
	+
	+	==== Can I opt out later? ====
	+	Yes — request data deletion via ABHA portal; some legal records retained per law.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Free 14-digit ABHA Health ID. Optional digital wallet of medical records — accessible anywhere with consent-based sharing. Apply at abha.abdm.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://abha.abdm.gov.in\|abha.abdm.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: abha.abdm.gov.in
	+	* Issued by: National Health Authority
	+	* Launched: 2021
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana abdm-digital-health}}

Atal Pension Yojana (APY) — guaranteed pension Rs 1K-5K/month after 60

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(atal pension yojana, apy, guaranteed pension, npslite, retirement pension)
	+	metatag-description=(Government-guaranteed pension Rs 1,000 to Rs 5,000/month after age 60. Auto-debit from bank account. For unorganised sector workers.)
	+	}}

	+	====== Atal Pension Yojana (APY) — guaranteed pension Rs 1K-5K/month after 60 ======
	+	{{ :social:auto:yojana-atal-pension-yojana.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Guaranteed pension Rs 1,000 / 2,000 / 3,000 / 4,000 / 5,000 per month after age 60, based on contribution + age at entry.
	+
	+	Launched: 2015 · Issued by: Pension Fund Regulatory & Development Authority (PFRDA)
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian citizen, age 18-40 at entry
	+	* Active savings bank account / post office account
	+	* Aadhaar (mandatory)
	+	* NOT eligible: income tax payers (post September 2022), government employees (covered by NPS)
	+
	+	===== What you get =====
	+	Pension Rs 1,000 / 2,000 / 3,000 / 4,000 / 5,000 per month based on chosen tier. Spouse continues pension after subscriber death. Lump sum to nominee on both deaths (~Rs 1.7L for Rs 1K tier; Rs 8.5L for Rs 5K tier).
	+
	+	===== How to apply (step-by-step) =====
	+	- Visit your bank or post office — Submit APY form + Aadhaar + active savings account.
	+	- Choose pension tier — Rs 1K / 2K / 3K / 4K / 5K per month after age 60.
	+	- Choose contribution mode — Monthly / quarterly / half-yearly auto-debit.
	+	- Auto-debit starts — Contributions deducted automatically from chosen account.
	+	- Annual statement — Bank sends statement of contributions + accumulated corpus.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Active savings bank / post office account
	+	* Mobile number
	+
	+	===== Timeline =====
	+	Auto-debit starts in 30 days. Pension begins on 60th birthday.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://npscra.nsdl.co.in\|npscra.nsdl.co.in]]
	+	* Helpline: APY Helpline: 1800-110-708
	+
	+	===== Common issues =====
	+	* Insufficient bank balance — auto-debit fails; bank charges Rs 1/day. Maintain balance.
	+	* Income tax payer status — bars new enrolment post September 2022. Existing enrollees can continue.
	+	* Want to exit early — pre-60 exit allowed only on terminal illness / death; otherwise corpus locked till 60.
	+	* Want to upgrade tier — annual upgrade allowed during April-September window.
	+
	+	===== 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 =====
	+	==== Is the pension really guaranteed? ====
	+	Yes — government guarantees the minimum pension if returns fall short. PFRDA manages funds.
	+
	+	==== What if I die before 60? ====
	+	Spouse continues contributions till age 60 + receives pension. OR full corpus refunded to nominee.
	+
	+	==== Can I increase my pension tier later? ====
	+	Yes — once a year (April-September). Contribution adjusts upward.
	+
	+	==== Want to exit before 60? ====
	+	Allowed only for terminal illness / death of subscriber. Otherwise corpus stays till 60.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Guaranteed pension Rs 1,000 / 2,000 / 3,000 / 4,000 / 5,000 per month after age 60, based on contribution + age at entry. Apply at npscra.nsdl.co.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://npscra.nsdl.co.in\|npscra.nsdl.co.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: npscra.nsdl.co.in
	+	* Issued by: Pension Fund Regulatory & Development Authority (PFRDA)
	+	* 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 atal-pension-yojana}}

e-Shram Card — UAN + Rs 2L insurance for unorganised workers (2026)

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(eshram card, e shram, eshram registration, eshram benefits, eshram pmsby)
	+	metatag-description=(Free 12-digit UAN + Rs 2L PMSBY accident insurance + scheme convergence for unorganised workers. * Indian, age 16-59 * Unorganised worker (not in EPFO/ESIC) *.)
	+	}}

	+	====== e-Shram Card — UAN + Rs 2L insurance for unorganised workers (2026) ======
	+
	+	{{ :social:auto:yojana-eshram-card.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Free 12-digit Universal Account Number + auto Rs 2L PMSBY insurance + convergence to PMSYM pension, PM-JAY etc.
	+
	+	Launched: 2021 · Issued by: Ministry of Labour & Employment
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian, age 16-59
	+	* Unorganised worker (not in EPFO/ESIC)
	+	* Income tax non-payer
	+	* Examples: domestic worker, street vendor, agri labourer, construction, gig worker
	+
	+	===== What you get =====
	+	Free Universal Account Number (UAN) + e-Shram card (PVC/digital). Auto-enrolment in PMSBY for first year (Rs 2L accident cover free). Convergence to other schemes: PMSYM (pension Rs 3K/month), PMJAY (Rs 5L health), PM-DAKSH skill, etc.
	+
	+	===== How to apply (step-by-step) =====
	+	- Visit eshram.gov.in — Self-register or visit nearest CSC.
	+	- Aadhaar OTP %%eKYC%% — Auto-fills name, %%DoB%%, gender, address.
	+	- Fill occupation + bank details — 396+ occupation codes (NCO 2015).
	+	- Submit + receive UAN immediately — e-Shram card downloadable as PDF.
	+	- Auto-enrol in PMSBY — Rs 2L accident insurance — free first year.
	+	- Annual update — Update employment / address yearly.
	+
	+	===== Documents needed =====
	+	* Aadhaar (with linked mobile)
	+	* Bank account
	+	* Mobile number
	+
	+	Full document checklist: [[:documents:eshram-card\|Documents required for eshram card]]
	+
	+	===== Timeline =====
	+	Same-day UAN issuance via Aadhaar route. CSC: 1-2 days.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://eshram.gov.in\|eshram.gov.in]]
	+	* Helpline: e-Shram: 14434
	+	* Track status: [[:check-status:eshram-card-status\|How to check status]]
	+	* Step-by-step apply guide: [[:how-to-apply:eshram-card\|How-to-apply walkthrough]]
	+
	+	===== Common issues =====
	+	* Aadhaar mobile not linked — OTP fails; link at UIDAI first.
	+	* EPF / ESIC member — disqualified; e-Shram is for %%UoW%% only.
	+	* Bank Aadhaar de-linked — future scheme benefits will fail.
	+	* PMSBY claim denied — within 30 days of accident; family applies via UAN holder bank.
	+
	+	===== 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 =====
	+	==== Is e-Shram a job card? ====
	+	No — it is worker identity. Doesn't guarantee work but unlocks scheme convergence.
	+
	+	==== PMSBY really free? ====
	+	Yes — first year auto. Rs 12/year auto-debit thereafter.
	+
	+	==== I have inactive PF — can I register? ====
	+	Yes if no contribution > 36 months and currently in unorganised sector.
	+
	+	==== Card lost? ====
	+	Re-download free at eshram.gov.in with UAN + Aadhaar OTP.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Free 12-digit Universal Account Number + auto Rs 2L PMSBY insurance + convergence to PMSYM pension, PM-JAY etc. Apply at eshram.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://eshram.gov.in\|eshram.gov.in]]
	+	* Step-by-step guide: [[:how-to-apply:eshram-card\|Apply walkthrough]]
	+	* Documents needed: [[:documents:eshram-card\|Required documents]]
	+	* Track existing application: [[:check-status:eshram-card-status\|Status check]]
	+	* 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: eshram.gov.in
	+	* Issued by: Ministry of Labour & Employment
	+	* Launched: 2021
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana eshram-card}}

Mahila Samman Savings Certificate (MSSC)

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(mahila samman savings, mssc, women savings scheme, mssc closed)
	+	metatag-description=(Tax-free savings for women — 7.5% interest, 2-year tenure, max Rs 2 lakh deposit. CLOSED for new from March 2025; existing accounts mature.)
	+	}}

	+	====== Mahila Samman Savings Certificate (MSSC) ======
	+	{{ :social:auto:yojana-mahila-samman-savings.png?direct&1200 }}
	+
	+	<WRAP info>
	+	7.5% interest (q-revised) on max Rs 2 lakh deposit; 2-year tenure. Note: NEW enrolment closed March 2025.
	+
	+	Launched: 2023 · Issued by: Ministry of Finance / India Post
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian woman of any age
	+	* Up to Rs 2 lakh deposit per account
	+	* One account per woman; max one MSSC + other small savings
	+	* Tenure 2 years from deposit date
	+
	+	===== What you get =====
	+	7.5% annual interest (FY 2024-25). 2-year tenure. Maximum Rs 2 lakh deposit. Tax-free. Quarterly interest credit. Single deposit (no further additions).
	+
	+	===== How to apply (step-by-step) =====
	+	- Visit India Post or authorized bank — Submit Form 1 + Aadhaar + Rs 2 lakh deposit (or less).
	+	- Account opens immediately — Receive certificate / pass book.
	+	- Maturity at 2 years — Principal + accumulated interest credited to account.
	+	- Premature closure allowed — After 6 months at lower rate (7.25%).
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Photograph
	+	* Address proof
	+	* Initial deposit (max Rs 2L)
	+
	+	===== Timeline =====
	+	2 years from deposit. Premature closure after 6 months.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://indiapost.gov.in\|indiapost.gov.in]]
	+	* Helpline: India Post: 1924
	+
	+	===== Common issues =====
	+	* MSSC closed for new enrolment March 2025 — existing accounts run to maturity.
	+	* Multiple deposits not allowed — only one lump-sum at opening.
	+	* Maximum Rs 2L per account — separate accounts per family member if needed.
	+	* Premature closure — gives lower rate (7.25%); only after 6 months.
	+
	+	===== 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 =====
	+	==== Is MSSC still open for new enrolment? ====
	+	No — closed for new from March 2025. Existing accounts continue to maturity.
	+
	+	==== What are alternatives now? ====
	+	Sukanya Samriddhi (8.2%) for girl child. PPF (7.1%) for own. Senior Citizen Savings (8.2%) if 60+.
	+
	+	==== Premature closure penalty? ====
	+	Allowed after 6 months at 7.25% (vs 7.5% if held to maturity).
	+
	+	==== Renewable? ====
	+	No — single 2-year tenure. Reinvest into PPF or other instrument on maturity.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 7.5% interest (q-revised) on max Rs 2 lakh deposit; 2-year tenure. Note: NEW enrolment closed March 2025. 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
	+	* Launched: 2023
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana mahila-samman-savings}}

PM Vishwakarma Yojana — Rs 15,000 toolkit + Rs 3L loan for

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

2026/05/03 12:33	current
Line 1:	Line 1:
	+	{{htmlmetatags>
	+	metatag-keywords=(pm vishwakarma, vishwakarma yojana, artisan scheme, traditional craftsman, pm vishwakarma loan)
	+	metatag-description=(Rs 15,000 toolkit + Rs 1L collateral-free loan + Rs 2L expansion loan + Rs 500/day stipend during training. For 18 traditional artisan trades.)
	+	}}

	+	====== PM Vishwakarma Yojana — Rs 15,000 toolkit + Rs 3L loan for ======
	+	{{ :social:auto:yojana-pm-vishwakarma.png?direct&1200 }}
	+
	+	<WRAP info>
	+	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.
	+
	+	Launched: 2023 · Issued by: Ministry of MSME
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Traditional artisan in 18 specified trades (carpenter, blacksmith, goldsmith, potter, weaver, tailor, washerman, barber, etc.)
	+	* Age 18+
	+	* Family-trade history (father/grandfather artisan)
	+	* Self-attested declaration; verification by gram panchayat / urban local body
	+
	+	===== What you get =====
	+	Rs 15,000 toolkit voucher (use at empanelled supplier). Skill training: 5-7 days basic + 15+ days advanced; Rs 500/day stipend during training. Loan: Rs 1L (Year 1) + Rs 2L (Year 2 expansion) at 5% effective with Rs 1L collateral-free + 1% interest subvention. Marketing: %%GeM%% listing + branding + e-commerce support.
	+
	+	===== How to apply (step-by-step) =====
	+	- Register at CSC or gram panchayat — Free enrolment via Maandhan / Vishwakarma portal.
	+	- Submit Aadhaar + trade history — Self-declaration + photo of work / tools.
	+	- Verification by ULB / Panchayat — Local body certifies trade history.
	+	- Trained at PMKVY centre — Basic + advanced courses; stipend Rs 500/day.
	+	- Toolkit voucher issued — Rs 15,000 to purchase from empanelled supplier.
	+	- Apply for loan via bank — Rs 1L Year 1 + Rs 2L Year 2 expansion.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Bank account
	+	* Trade history declaration
	+	* Photo of work / tools
	+
	+	===== Timeline =====
	+	Verification: 30-60 days. Toolkit: post-verification. Loan: 30-90 days post-training.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://pmvishwakarma.gov.in\|pmvishwakarma.gov.in]]
	+	* Helpline: PM Vishwakarma Helpline: 1800-103-3899
	+
	+	===== Common issues =====
	+	* Trade not in 18 listed — verify against PIB notification; only listed trades eligible.
	+	* Verification denied — appeal to next-level officer; provide additional trade evidence.
	+	* Toolkit voucher empanelment limited — list of suppliers available on portal.
	+	* Loan delayed — bank may not be PM Vishwakarma-empanelled; verify in advance.
	+
	+	===== 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 =====
	+	==== What are the 18 trades? ====
	+	Carpenter, blacksmith, goldsmith, potter, sculptor, mason, basket weaver, weaver, doll/toy maker, barber, garlands maker, washerman, tailor, fishing net maker, cobbler/footwear, leather worker, boat maker, locksmith.
	+
	+	==== Can entire family enrol? ====
	+	Yes if multiple members are practising artisans. Each gets own toolkit + loan eligibility.
	+
	+	==== Is loan really 5%? ====
	+	Effective rate 5% after 7% interest subvention from govt; bank rate is 7-8%.
	+
	+	==== Loan default — what happens? ====
	+	CGTMSE backstops up to specified limit. Standard recovery process applies.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 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. Apply at pmvishwakarma.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://pmvishwakarma.gov.in\|pmvishwakarma.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: pmvishwakarma.gov.in
	+	* Issued by: Ministry of MSME
	+	* Launched: 2023
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana pm-vishwakarma}}

PM Jeevan Jyoti Bima Yojana (PMJJBY)

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

2026/05/03 12:33	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}}

PM Suraksha Bima Yojana (PMSBY)

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

2026/05/03 12:33	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pmsby, pradhan mantri suraksha bima, accident insurance scheme, pmsby claim)
	+	metatag-description=(Rs 2 lakh accidental death + permanent disability cover for just Rs 20/year. Auto-debit from bank. * Indian resident, age 18-70 (entry) * Active savings bank.)
	+	}}

	+	====== PM Suraksha Bima Yojana (PMSBY) ======
	+	{{ :social:auto:yojana-pmsby-suraksha-bima.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Rs 2 lakh accidental death / total disability + Rs 1 lakh partial disability cover, premium just Rs 20/year (auto-debit).
	+
	+	Launched: 2015 · Issued by: Ministry of Finance / Public Sector Insurers
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian resident, age 18-70 (entry)
	+	* Active savings bank account
	+	* Aadhaar (recommended)
	+	* Renewal by 31 May annually
	+
	+	===== What you get =====
	+	Rs 2 lakh on accidental death OR total/permanent disability. Rs 1 lakh on permanent partial disability. Premium Rs 20/year auto-debited from bank in May.
	+
	+	===== How to apply (step-by-step) =====
	+	- Submit APY form at your bank — Or activate via online banking (most banks support this).
	+	- Choose insurer — Bank tied up with one of LIC / National Insurance / etc.
	+	- Auto-debit Rs 20 — Premium debited from account in May annually.
	+	- Claim — within 30 days of accident — Family or self files claim via bank with FIR + medical / death certificate.
	+	- Bank forwards to insurer — Insurer settles within 15 days of complete documents.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Active savings account
	+	* Nominee details
	+
	+	===== Timeline =====
	+	Coverage from premium debit date. Claim settlement: 15 days of complete docs.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://jansuraksha.gov.in\|jansuraksha.gov.in]]
	+	* Helpline: PMSBY: contact your bank
	+
	+	===== Common issues =====
	+	* Premium not debited — insufficient balance; coverage lapses for the year.
	+	* Claim denied — accident not within 12 months of cover; or non-eligible cause (suicide).
	+	* Multiple bank accounts — only ONE PMSBY per person; duplicate claims rejected.
	+	* Family unaware of cover — keep nominee informed; share scheme documents.
	+
	+	===== 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 =====
	+	==== Is suicide covered? ====
	+	No — explicitly excluded. Only "accidental" death/disability.
	+
	+	==== Renewal by when? ====
	+	31 May each year. Auto-debit if account has balance + active linkage.
	+
	+	==== Claim deadline? ====
	+	Within 30 days of accident. Documents within 60 days of claim filing.
	+
	+	==== Premium too good to be true? ====
	+	No — government underwrites a large risk pool; per-person premium stays low.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Rs 2 lakh accidental death / total disability + Rs 1 lakh partial disability cover, premium just Rs 20/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 / Public Sector Insurers
	+	* 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 pmsby-suraksha-bima}}

PM Shram Yogi Maan-Dhan (PMSYM)

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

2026/05/03 12:33	current
Line 1:	Line 1:
	+	{{htmlmetatags>
	+	metatag-keywords=(pmsym, shram yogi maandhan, unorganized worker pension, pension scheme labour)
	+	metatag-description=(Pension Rs 3,000/month after age 60 for unorganised workers. Govt matches your monthly contribution Rs 55-200 (age-based).)
	+	}}

	+	====== PM Shram Yogi Maan-Dhan (PMSYM) ======
	+	{{ :social:auto:yojana-pmsym-shram-yogi.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Pension Rs 3,000/month after age 60. Govt contributes 50% of your monthly contribution (Rs 55-200 by age).
	+
	+	Launched: 2019 · Issued by: Ministry of Labour & Employment
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Unorganised worker (NOT in EPFO/ESIC/government)
	+	* Age 18-40 at entry
	+	* Monthly income < Rs 15,000
	+	* Aadhaar + bank account
	+
	+	===== What you get =====
	+	Pension Rs 3,000/month after age 60 (lifelong). On death post-60, spouse gets 50% (Rs 1,500). On pre-60 death of subscriber: spouse can continue + receive pension OR withdraw corpus.
	+
	+	===== How to apply (step-by-step) =====
	+	- Visit nearest CSC (Common Service Centre) — Free enrolment via Maandhan API.
	+	- Aadhaar + bank account verified — Auto-debit consent for monthly contribution.
	+	- Choose contribution amount — Rs 55 (age 18) to Rs 200 (age 40) — based on entry age.
	+	- Auto-debit starts — Govt also contributes 50% (matching).
	+	- Annual %%eKYC%% — Mandatory annual %%eKYC%% at CSC or online.
	+	- Pension begins on 60th birthday — Direct credit to bank account.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Active savings bank account
	+	* Mobile number
	+
	+	===== Timeline =====
	+	Auto-debit from next month after enrolment. Pension begins on 60th birthday.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://maandhan.in\|maandhan.in]]
	+	* Helpline: Maandhan Helpline: 1800-267-6888
	+
	+	===== Common issues =====
	+	* Income > Rs 15,000 — must exit and refund. Income certificate validates eligibility.
	+	* %%eKYC%% missed > 1 year — contributions still go but pension delayed; complete %%eKYC%% ASAP.
	+	* Bank Aadhaar de-linked — auto-debit fails; visit bank for NPCI re-mapping.
	+	* EPF / ESIC member — disqualifies. Surrender if discovered.
	+
	+	===== 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 =====
	+	==== What if I quit unorganised work and become salaried? ====
	+	You must exit Maandhan and join EPF. Corpus refunded with interest.
	+
	+	==== Pension fixed at Rs 3,000? ====
	+	Yes — fixed monthly pension. No annual indexation announced yet.
	+
	+	==== What if I die before 60? ====
	+	Spouse can continue contributions to age 60 OR get refund. Pension cycle then for surviving spouse.
	+
	+	==== Can I increase contribution to get more pension? ====
	+	No — Rs 3,000 is the fixed pension. Contribution depends only on entry age.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Pension Rs 3,000/month after age 60. Govt contributes 50% of your monthly contribution (Rs 55-200 by age). Apply at maandhan.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://maandhan.in\|maandhan.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: maandhan.in
	+	* Issued by: Ministry of Labour & Employment
	+	* Launched: 2019
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana pmsym-shram-yogi}}

Sukanya Samriddhi Yojana (SSY)

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

2026/05/03 12:33	current
Line 1:	Line 1:
	+	{{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 12:33	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}}

2026/05/03 12:33	current
Line 1:	Line 1:
	+	{{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}}