Money is the most-asked welfare topic on RTI Wiki. India has 60+ active central financial schemes — banking access (Jan Dhan), micro-loans (Mudra), pension (Atal Pension), girl child savings (Sukanya), street vendor loans (SVANidhi), farmer cash (PM-KISAN). This page is the single reference — pick what fits your situation.

• No bank account? → Jan Dhan Yojana — zero balance, RuPay debit card, ₹2 lakh accident cover.
• Need a small business loan? → PM Mudra — ₹50k–20 lakh, no collateral.
• SC/ST/Woman entrepreneur? → Stand-Up India — ₹10 lakh–1 crore.
• Need pension after 60? → Atal Pension Yojana — ₹1k–5k/month.
• Street vendor? → PM SVANidhi — ₹10k → 50k loans.
• Farmer? → PM-KISAN — ₹6,000/year direct cash.
• Stuck application? → 🪄 Draft a free RTI in 60 seconds.

• Anyone without a savings bank account → Jan Dhan
• Self-employed / micro-entrepreneur → Mudra, Stand-Up India
• Working-age adult worried about retirement → Atal Pension
• Parent of a girl child < 10 → Sukanya Samriddhi
• Street vendor / small farmer → SVANidhi / PM-KISAN

• PM Jan Dhan Yojana (PMJDY) — zero-balance bank account + RuPay debit + ₹2 lakh accident cover + ₹10,000 overdraft eligibility. Anyone aged 10+ with Aadhaar.

• PM Mudra Yojana (PMMY) — non-corporate small business loans up to ₹20 lakh (Tarun-Plus), no collateral. 3 categories: Shishu (≤ ₹50k), Kishore (₹50k–5L), Tarun (₹5L–10L), Tarun Plus (₹10L–20L).
• Stand-Up India Scheme — ₹10 lakh – ₹1 crore loans for at least one SC/ST + at least one woman entrepreneur per bank branch. Greenfield enterprises only.
• PM Street Vendor's AtmaNirbhar Nidhi (SVANidhi) — ₹10k → 20k → 50k progressive loans for street vendors. 7% interest subsidy. Aadhaar + vendor ID required.

• Atal Pension Yojana (APY) — guaranteed monthly pension ₹1,000 / 2,000 / 3,000 / 4,000 / 5,000 from age 60. Open to anyone aged 18–40 with bank account + Aadhaar.

• PM-KISAN Samman Nidhi — ₹6,000/year (₹2,000 × 3 instalments) to small/marginal farmers. DBT direct.
• PM Matru Vandana Yojana — ₹6,000–12,000 maternity benefit for first 2 children. (Also under Women's category.)
• MGNREGA wages — 100 days × state wage rate (₹220–340). DBT credit.

• Sukanya Samriddhi Yojana (SSY) — 8.2% interest tax-free savings for girl child. Min deposit ₹250/year, max ₹1.5 lakh/year. Opens at any bank/post office.

1. Verify your Aadhaar is mobile-linked. Without OTP, every portal blocks.
2. Open a bank account if you don't have one (Jan Dhan is the easiest route — free, zero balance).
3. Aadhaar–bank seeding at branch — for DBT credit. Ask for “Aadhaar seeding” + “NPCI mapping”.
4. Check eligibility at https://myscheme.gov.in (govt's universal eligibility tool).
5. Apply on the right portal — see each scheme's article for direct link.
6. Save your application reference number.
7. Track status weekly. If stuck > 30 days → file RTI.

• Aadhaar–bank not seeded — DBT silently fails. Branch visit before applying.
• Multiple bank accounts confuse DBT — keep one Aadhaar-seeded account as primary.
• Missing PAN — financial schemes ≥ ₹50k typically need PAN.
• Ignoring KYC update — banks freeze accounts after 24 months no transaction; re-KYC at branch.
• Trusting agents who claim to fix loans — Mudra/Stand-Up are direct bank applications. No agents.

Open a Jan Dhan account at any branch with Aadhaar + photo. Zero balance, free, includes RuPay card + ₹2 lakh accident cover. Done in one visit.

Generally one government micro-loan at a time per individual. Mudra and Stand-Up India target different segments — Mudra for small operations under ₹20 lakh, Stand-Up for greenfield SC/ST/woman entrepreneurs ₹10 L+. Banks check existing exposure before sanction.

Jan Dhan has zero balance requirement, free RuPay debit, ₹2 lakh accident cover, ₹10k overdraft eligibility, no minimum balance penalty. Regular savings has higher interest rate and more services but requires monthly minimum balance.

APY: guaranteed pension (₹1k–5k/month), government top-up, eligible up to age 40, tax benefits. NPS: market-linked returns (no guarantee), open to all ages 18–70, higher potential return + risk.

Partial withdrawal allowed for higher education or marriage after the girl turns 18. Full closure only at maturity (21 years from opening) or marriage of the girl child after 18.

Most common reasons: (a) you're not the landholding farmer in records, (b) family-based exclusion (one PM-KISAN per household), © government employee in family, (d) income-tax payer in last AY. File RTI for grounds of rejection.

Banks must give written reasons under Mudra guidelines. Demand the rejection letter. If reasons are vague, file complaint with bank ombudsman at cms.rbi.org.in.

No — both target the same loan need. Pick based on your eligibility: Mudra (anyone, small ops) vs Stand-Up India (SC/ST/woman, greenfield ₹10L+).

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• 🏛 Top schemes — pillar guide
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• Loan settlement (OTS)

• PM Jan Dhan Yojana — official
• MUDRA — official
• Atal Pension Yojana — NPS Trust
• PM-KISAN
• PM SVANidhi
• India Post — Sukanya Samriddhi

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Last reviewed: 3 May 2026.