Government Schemes — Apply + Track Desk (India 2026)
This is the government-schemes command desk for India 2026. You will find 50+ citizen-tested apply-and-track guides spanning housing, health, pension, insurance, employment, agriculture, women and child welfare, and education-loan schemes. Every guide is free, no login, no payment. The legal spine is the RTI Act 2005 (Sections 6, 7 and the 30-day reply rule), CPGRAMS for non-RTI grievances, sectoral statutes like the MGNREGA Act 2005, PMJAY guidelines 2018, PMAY-U / G guidelines, and the DBT-Mission Ordinance for direct-benefit-transfer accountability.
Quick Answer — the 4-minute citizen drill if a scheme installment is stuck: (1) Check the official status portal (pmkisan.gov.in / pmayg.nic.in / iay.nic.in / nsap.nic.in / mgnregaweb / pfms.nic.in). (2) File CPGRAMS at pgportal.gov.in with screenshots and Aadhaar masking. (3) File an RTI under Section 6 RTI Act 2005 to the implementing department asking for sanction order, installment ledger and PFMS UTR. (4) Escalate via First Appeal under Section 19 RTI Act if no reply in 30 days.
In this hub
- Housing — PMAY-U, PMAY-G, Awas Plus
- Health and insurance — PMJAY, ABHA, PMSBY, PMJJBY, AVVY
- Pension — APY, NSAP, PMVVY, EPS, OPS vs NPS
- Income support — PM-KISAN, PMMVY, NSAP
- Employment and skilling — MGNREGA, PMKVY, NAPS, ABRY
- Loans for citizens and MSMEs — Mudra, Stand-Up India, PMEGP, Vishwakarma
- Agriculture and farmers — PMFBY, KCC, Soil Health
- Women and child welfare — PMMVY, BBBP, Sukanya, Vishwakarma
- Tax and savings — SCSS, PPF, Sukanya, Form 15G/H
- RTI for stuck installments and scheme delays
Housing — PMAY-U, PMAY-G, Awas Plus
PMAY-U CLSS gives an interest subsidy up to ₹2.67 lakh; PMAY-G targets rural beneficiaries via SECC 2011. Section 4 RTI mandates the gram panchayat to display the beneficiary list.
Health and insurance — PMJAY, ABHA, PMSBY, PMJJBY, AVVY
PMJAY entitles ₹5 lakh hospitalisation per family per year; PMJAY Guidelines 2018 plus state SOPs govern empanelled-hospital admission.
Pension — APY, NSAP, PMVVY, EPS, OPS vs NPS
APY pays ₹1,000–₹5,000 monthly post-60 against contributions from age 18–40; PFRDA Act 2013 governs.
Income support — PM-KISAN, PMMVY, NSAP
PM-KISAN pays ₹6,000 / year in 3 tranches; the 12th-installment exclusion list is RTI-eligible.
Employment and skilling — MGNREGA, PMKVY, NAPS, ABRY
MGNREGA Section 3 entitles every rural household to 100 days of unskilled work per year; wage-delay attracts interest under Section 7.
Loans for citizens and MSMEs — Mudra, Stand-Up India, PMEGP, Vishwakarma
Agriculture and farmers — PMFBY, KCC, Soil Health
Women and child welfare
Tax and savings
Ration card, social welfare
RTI for stuck installments and scheme delays
RTI is the strongest citizen lever — under Section 7 RTI Act 2005, the PIO must reply in 30 days; deemed refusal flips to First Appeal under Section 19.
Run the tools
- AI RTI Drafter — generate a working RTI in 90 seconds
- First Appeal Builder — when the PIO ignores your RTI
- PIO Reply Checker — paste a PIO reply, get the loopholes
- AwaazRTI — voice-first RTI in 22 Indian languages
Related hubs
Last reviewed: 12 May 2026 — RTI Wiki editorial team.
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