Independent guide — not a government website. Always apply on the official portal linked on each scheme.
15 central government schemes · checked 26 September 2026
Which government schemes can you get?
Answer six quick questions. We’ll show the schemes that fit, what each one gives you, and exactly where to apply — in plain English, with every rule taken from the official source.
Browse by need
FarmersIncome support, crop insurance, farm credit and pensions for farmers.KCC · PM-KISAN · PM-KMY · PMFBYHealthFree or cashless hospital treatment.AB PM-JAYHousing & gasHelp to build or buy a home, and LPG connections.PMAY-G · PMAY-U 2.0 · PMUYGirls & womenSavings and support for daughters and women.SSYPension & insuranceLow-cost life and accident cover, and a guaranteed pension.APY · PMJJBY · PMSBYBusiness loansLoans for small businesses and first-time entrepreneurs.PM SVANidhi · PMMY (Mudra loan)Workers & artisansSupport for traditional craftspeople and street vendors.PM Vishwakarma
Farmers
Income support, crop insurance, farm credit and pensions for farmers.
FarmersKCCKisan Credit Card SchemeA bank credit card and loan limit for farmers, tenant farmers, sharecroppers, and livestock and fish farmers, used to pay for crops and farm needs. Short-term loans up to ₹3 lakh carry 7% interest, which drops to 4% if you repay on time.FarmersPM-KISANPradhan Mantri Kisan Samman NidhiFarmer families who own cultivable land get ₹6,000 a year from the Central Government, paid in three instalments of ₹2,000 straight into their Aadhaar-seeded bank account.FarmersPM-KMYPradhan Mantri Kisan Maan-Dhan YojanaA voluntary pension scheme for small and marginal farmers aged 18 to 40. You pay ₹55 to ₹200 a month until age 60, the government pays the same amount, and you then get at least ₹3,000 a month.FarmersPMFBYPradhan Mantri Fasal Bima YojanaCrop insurance for farmers, including tenants and sharecroppers, who grow notified crops in notified areas. You pay at most 2% (Kharif), 1.5% (Rabi) or 5% (commercial/horticultural crops) of the premium, and the government pays the rest.
Health
Free or cashless hospital treatment.
Housing & gas
Help to build or buy a home, and LPG connections.
Housing & gasPMAY-GPradhan Mantri Awaas Yojana – GraminMoney to build a pucca house for rural families who have no house or live in a kutcha or dilapidated house: ₹1.20 lakh in plain areas and ₹1.30 lakh in North-Eastern and hill States. Families are picked through government surveys and verified by the Gram Sabha.Housing & gasPMAY-U 2.0Pradhan Mantri Awas Yojana – Urban 2.0Help for urban families with annual income up to ₹9 lakh and no pucca house anywhere in India to build, buy or rent a home. EWS families can get up to ₹2.50 lakh to build or buy a house, and EWS/LIG/MIG families can get an interest subsidy of up to ₹1.80 lakh on a home loan.Housing & gasPMUYPradhan Mantri Ujjwala YojanaA free LPG connection, first refill and stove for an adult woman from a poor household that has no LPG connection. Ujjwala users also get a subsidy of ₹300 per 14.2 kg cylinder in their bank account.
Girls & women
Savings and support for daughters and women.
Pension & insurance
Low-cost life and accident cover, and a guaranteed pension.
Pension & insuranceAPYAtal Pension YojanaA government-guaranteed pension of ₹1,000 to ₹5,000 a month from age 60, for people aged 18–40 who pay a fixed monthly, quarterly or half-yearly amount from their savings account. People who are or have been income-tax payers cannot join (since 1 October 2022).Pension & insurancePMJJBYPradhan Mantri Jeevan Jyoti Bima YojanaOne-year life insurance of ₹2 lakh for death from any cause, for bank or post office account holders aged 18–50. The premium is ₹436 a year, auto-debited from your account; cover can be renewed each year up to age 55.Pension & insurancePMSBYPradhan Mantri Suraksha Bima YojanaOne-year accident insurance for bank or post office account holders aged 18–70: ₹2 lakh for accidental death or full disability, ₹1 lakh for partial disability. The premium is ₹20 a year, auto-debited from your account.
Business loans
Loans for small businesses and first-time entrepreneurs.
Business loansPM SVANidhiPrime Minister Street Vendor's AtmaNirbhar NidhiCollateral-free working capital loans of ₹15,000, ₹25,000 and ₹50,000 in three steps for street vendors, with a 7% interest subsidy, cashback for digital payments and a UPI-linked credit card. Restructured in August 2025; lending runs until 31 March 2030.Business loansPMMY (Mudra loan)Pradhan Mantri Mudra YojanaCollateral-free loans up to ₹20 lakh from banks, NBFCs and microfinance institutions for small non-farm businesses in manufacturing, trading, services and farm-allied activities.
Workers & artisans
Support for traditional craftspeople and street vendors.
How this guide works
- Official sources only. Every benefit, age limit and amount on a scheme page comes from a government portal, gazette or PIB release, and is linked.
- A match means “worth checking”. Schemes have conditions a short form cannot capture. The official portal always decides.
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