Sarkari Yojana — All Government Schemes (2026)

• 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.
• Ayushman Bharat Digital Mission (ABDM) — Free 14-digit ABHA Health ID. Optional digital wallet of medical records — accessible anywhere with consent-based sharing.
• 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.
• Ayushman Bharat (PM-JAY) — Rs 5 lakh per family per year cashless at 33,000+ empanelled hospitals — free, no premium. Seniors 70+ covered regardless of income.
• e-Shram Card — Free 12-digit Universal Account Number + auto Rs 2L PMSBY insurance + convergence to PMSYM pension, PM-JAY etc.
• Janani Suraksha Yojana (JSY) — Rs 700 (urban) / Rs 1,400 (rural) for delivery in govt-empanelled hospital. Plus Rs 300-500 to ASHA worker.
• Jal Jeevan Mission — Free tap water connection + 55 litres per person per day at safe quality.
• Kisan Credit Card (KCC) — Crop loan up to Rs 3 lakh at effective 4% interest after subvention. Pre-approved by bank for landholding farmers.
• 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.
• MGNREGA — 100 days of guaranteed unskilled work per household per year. Wage Rs 250-380/day (state-notified). Payment within 15 days.
• Pradhan Mantri Mudra Yojana (PMMY) — Collateral-free loan Rs 50,000 (Shishu) / Rs 5 lakh (Kishor) / Rs 10 lakh (Tarun) / Rs 20 lakh (Tarun Plus), for non-corporate non-farm small enterprise.
• National Scholarship Portal (NSP) — Single portal for 80+ scholarships. SC/ST/OBC/Minority/PwD/Top Class/Merit-cum-Means. Application Aug-Oct annually.
• National Pension System (NPS) — Tax-efficient retirement corpus + lifelong pension. 60% lump-sum + 40% mandatory annuity at age 60.
• PM Internship Scheme (PMIS) — 12-month internship in a top company with Rs 5,000/month assistance + Rs 6,000 one-time grant, for youth aged 21 to 24.
• PM Jan Dhan Yojana (PMJDY) — Zero-balance bank account + free RuPay card + up to Rs 2 lakh accident cover + overdraft up to Rs 10,000.
• PM Kisan Maandhan — Pension Rs 3,000/month after age 60. Govt matches your contribution (Rs 55-200 by age).
• PM-KISAN Samman Nidhi — Rs 6,000 per year (3 instalments of Rs 2,000) to every landholding farmer family.
• PM Surya Ghar — Free electricity up to 300 units/month + Rs 30,000-78,000 subsidy on 1-3 kW rooftop solar installation.
• PM SVANidhi — Working capital loan Rs 10,000 → Rs 20,000 → Rs 50,000 (escalating). 7% interest subvention. Cashback for digital transactions.
• 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.
• PMAY-Gramin — Rs 1.2 lakh (plain areas) / Rs 1.3 lakh (hilly + NE) direct grant to build a pucca house.
• 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.
• 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.
• PM Jeevan Jyoti Bima Yojana (PMJJBY) — Rs 2 lakh life cover (any cause of death) for premium Rs 436/year (auto-debit).
• Pradhan Mantri Kaushal Vikas Yojana (PMKVY) — Free 200-600 hour skill training + government certification + Rs 8,000 post-training assistance.
• 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).
• 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).
• 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).
• Ration Card (NFSA) — 5 kg foodgrain per person per month at Rs 1 (rice/wheat) — free under PMGKAY through Dec 2029.
• Saubhagya — Free electricity connection: LED bulbs, meter, service line up to 60 metres + 5 LED bulbs.
• Swachh Bharat Mission — Rs 12,000 subsidy per BPL household for toilet construction. SBM-G (rural) + SBM-U (urban).
• Soil Health Card — Free soil test + customised nutrient recommendations + crop-specific advisory; updated every 2 years.
• Startup India — DPIIT recognition + 3-year tax holiday + Rs 50 lakh in seed grants + IPR fast-track + GeM access + IPO simplifications.
• Sukanya Samriddhi Yojana (SSY) — 8.2% tax-free interest (Q1 FY 2026-27). Triple-EEE tax exemption (deposit + interest + maturity).
• Udyam Registration (MSME) — Free 19-digit Udyam Registration Number — gateway to priority sector loans, GeM listing, late-payment protection, tender preferences.
• PM Ujjwala Yojana (PMUY) — Deposit-free LPG connection + free first refill + free stove in woman's name + Rs 300/cylinder subsidy on up to 9 refills per year.

• Dr YSR Aarogyasri — Rs 5 lakh basic + up to Rs 25 lakh for tertiary care, per family per year. Free.

• Orunodoi Yojana — Rs 1,250 per month direct to bank account of woman head of family.

• Anna Bhagya — 7 kg rice per person per month at Re 1/kg (effectively free post-2024 expansion).
• Gruha Lakshmi Yojana — Rs 2,000 per month direct to bank account of woman head of family.

• Ladli Behna Yojana — Rs 1,250 per month direct to woman bank account, age 21-60.

• Mukhyamantri Majhi Ladki Bahin Yojana — Rs 1,500 per month direct to bank account of woman, age 21-65, in eligible Maharashtra household.
• Mukhyamantri Yuva Karya Prashikshan Yojana — Stipend Rs 6,000-10,000/month for 6 months internship in approved company.

• KALIA Yojana — Rs 25,000 direct income support over 5 seasons + Rs 12,500 livelihood asset support + Rs 2L life insurance.

• Mukhyamantri Chiranjeevi Health Insurance — Rs 25 lakh health cover + Rs 10 lakh accident cover per family per year. Cashless.

• Amma Unavagam — Hot meals at Re 1 (idli) to Rs 5 (rice items) at 600+ Amma canteens across Tamil Nadu.
• Kalaignar Magalir Urimai Yojana — Rs 1,000 per month direct to bank account of woman head of household.

• Rythu Bandhu — Rs 5,000 per acre per crop season (twice a year) direct to bank account.

• Lakshmi Bhandar Yojana — Rs 1,000 (general) / Rs 1,200 (SC/ST) per month direct to woman bank account.

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: Auto-fill PIO + Act sections
• Step-by-step apply guides: 25 how-to-apply walkthroughs
• Required documents: 30 document checklists
• Track status: 25 status-check guides
• If rejected: 16 rejection-recovery guides
• Schemes by audience: 10 audience-hub guides
• Helplines + grievance: 32 helplines
• State-by-state RTI fees: RTI fees in 28 states

Last reviewed: 30 June 2026.