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Schemes you already have

Central government help, in plain words. Every link goes to an official .gov.in or .nic.in website. Applying is free or costs only the official fee. Anyone asking for money to “get it done” is not the government.

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32 schemes

Health स्वास्थ्य

Hospital cover, free doctor calls, cheaper medicines

Health · Senior citizens
Ayushman Bharat PM-JAYआयुष्मान भारत
What you get
Free hospital treatment up to ₹5 lakh per family per year at empanelled hospitals.
Who can apply
Eligible poor and vulnerable families, and every person aged 70 or above (Ayushman Vay Vandana card) whatever their income.
No answers yet0 comments
Scheme website beneficiary.nha.gov.in (opens the Ayushman Bharat PM-JAY government website in a new tab)
Health · Documents & ID
ABHA health accountआभा
What you get
A 14-digit health ID that keeps your prescriptions and reports in one place you control.
Who can apply
Anyone in India. Free.
No answers yet0 comments
Scheme website abha.abdm.gov.in (opens the ABHA health account government website in a new tab)
Health · Senior citizens
eSanjeevaniई-संजीवनी
What you get
Free video consultation with a government doctor from your phone.
Who can apply
Anyone. Useful when the nearest doctor is far away.
No answers yet0 comments
Scheme website esanjeevani.mohfw.gov.in (opens the eSanjeevani government website in a new tab)
Health · Senior citizens
PM Bhartiya Jan Aushadhi Kendraजन औषधि केंद्र
What you get
Quality generic medicines at much lower prices than branded ones.
Who can apply
Anyone. Find a Jan Aushadhi Kendra near you on the site.
No answers yet0 comments
Scheme website janaushadhi.gov.in (opens the PM Bhartiya Jan Aushadhi Kendra government website in a new tab)

Money & banking पैसा और बैंक

Bank account, insurance, pension, savings

Money & banking
PM Jan Dhan Yojanaजन धन योजना
What you get
A zero-balance bank account with a free RuPay card, ₹2 lakh accident cover, and overdraft up to ₹10,000 if eligible.
Who can apply
Any adult who does not have a bank account yet.
No answers yet0 comments
Scheme website pmjdy.gov.in (opens the PM Jan Dhan Yojana government website in a new tab)
Money & banking
PM Jeevan Jyoti Bima Yojanaजीवन ज्योति बीमा
What you get
Life cover of ₹2 lakh for ₹436 a year, paid by auto-debit.
Who can apply
Age 18 to 50, with a bank or post office account.
No answers yet0 comments
Scheme website financialservices.gov.in (opens the PM Jeevan Jyoti Bima Yojana government website in a new tab)
Money & banking
PM Suraksha Bima Yojanaसुरक्षा बीमा
What you get
Accident cover of ₹2 lakh (₹1 lakh for partial disability) for ₹20 a year.
Who can apply
Age 18 to 70, with a bank account.
No answers yet0 comments
Scheme website financialservices.gov.in (opens the PM Suraksha Bima Yojana government website in a new tab)
Money & banking · Jobs & skills
Atal Pension Yojanaअटल पेंशन योजना
What you get
A guaranteed pension of ₹1,000 to ₹5,000 a month from age 60, based on what you contribute.
Who can apply
Age 18 to 40, with a savings bank account. Check the current rules on the site before joining.
No answers yet0 comments
Scheme website financialservices.gov.in (opens the Atal Pension Yojana government website in a new tab)
Money & banking · Women & girls
Sukanya Samriddhi Accountसुकन्या समृद्धि
What you get
A high-interest savings account for a daughter, opened with ₹250, with tax benefits.
Who can apply
Parents or guardians of a girl under 10. At a post office or authorised bank.
No answers yet0 comments
Scheme website indiapost.gov.in (opens the Sukanya Samriddhi Account government website in a new tab)

Farming खेती

Income support, crop insurance, soil testing

Farming · Money & banking
PM-KISANपीएम किसान
What you get
₹6,000 a year sent to your bank account in three equal instalments.
Who can apply
Landholding farmer families (some exclusions apply). Check your status on the site.
No answers yet0 comments
Scheme website pmkisan.gov.in (opens the PM-KISAN government website in a new tab)
Farming
PM Fasal Bima Yojanaफसल बीमा
What you get
Insurance for your crop against loss from weather, pests and disease.
Who can apply
Farmers growing notified crops in notified areas, including tenant farmers.
No answers yet0 comments
Scheme website pmfby.gov.in (opens the PM Fasal Bima Yojana government website in a new tab)
Farming
Soil Health Cardमृदा स्वास्थ्य कार्ड
What you get
Your soil tested, with advice on which fertiliser to use and how much.
Who can apply
All farmers.
No answers yet0 comments
Scheme website soilhealth.dac.gov.in (opens the Soil Health Card government website in a new tab)

Jobs & skills रोज़गार और हुनर

Job portal, free courses, worker ID

Jobs & skills · Documents & ID
e-Shramई-श्रम
What you get
An e-Shram card with a 12-digit number that links unorganised workers to welfare schemes.
Who can apply
Unorganised workers aged 16 to 59: labourers, domestic workers, gig and platform workers and more.
No answers yet0 comments
Scheme website eshram.gov.in (opens the e-Shram government website in a new tab)
Jobs & skills
National Career Serviceनेशनल करियर सर्विस
What you get
A free government job portal with listings, job fairs and career counselling.
Who can apply
Anyone looking for work.
No answers yet0 comments
Scheme website ncs.gov.in (opens the National Career Service government website in a new tab)
Jobs & skills · Education
Skill India Digital Hubस्किल इंडिया डिजिटल
What you get
Free skill courses and certificates, online and at training centres.
Who can apply
Anyone who wants to learn a trade or a new skill.
No answers yet0 comments
Scheme website skillindiadigital.gov.in (opens the Skill India Digital Hub government website in a new tab)

Education पढ़ाई

Scholarships and free online courses

Education
National Scholarship Portalराष्ट्रीय छात्रवृत्ति पोर्टल
What you get
One place to apply for central and many state scholarships.
Who can apply
School and college students who meet each scholarship’s rules.
No answers yet0 comments
Scheme website scholarships.gov.in (opens the National Scholarship Portal government website in a new tab)
Education · Jobs & skills
SWAYAMस्वयं
What you get
Free online courses taught by teachers from Indian universities and IITs.
Who can apply
Anyone. Certificates are available for some courses.
No answers yet0 comments
Scheme website swayam.gov.in (opens the SWAYAM government website in a new tab)

Women & girls महिलाएँ और बेटियाँ

Maternity support, savings for daughters, LPG

Women & girls · Health
PM Matru Vandana Yojanaमातृ वंदना योजना
What you get
₹5,000 for the first child in two instalments, and ₹6,000 if the second child is a girl.
Who can apply
Pregnant women and new mothers, except those in regular government or PSU jobs.
No answers yet0 comments
Scheme website wcd.gov.in (opens the PM Matru Vandana Yojana government website in a new tab)
Women & girls
PM Ujjwala Yojanaउज्ज्वला योजना
What you get
An LPG connection for clean cooking, in the name of a woman of the household.
Who can apply
Adult women from poor households without an LPG connection.
No answers yet0 comments
Scheme website pmuy.gov.in (opens the PM Ujjwala Yojana government website in a new tab)

Housing घर

Help to build or buy a pucca house

Housing
PM Awas Yojana (Urban)प्रधानमंत्री आवास (शहरी)
What you get
Help to build, buy or rent a pucca house in a town or city.
Who can apply
Urban families without a pucca house anywhere in India, in eligible income groups.
No answers yet0 comments
Scheme website pmay-urban.gov.in (opens the PM Awas Yojana (Urban) government website in a new tab)
Housing
PM Awas Yojana (Gramin)प्रधानमंत्री आवास (ग्रामीण)
What you get
Financial help to build a pucca house in a village.
Who can apply
Rural families who are houseless or live in kutcha houses, as per the eligibility list.
No answers yet0 comments
Scheme website pmayg.dord.gov.in (opens the PM Awas Yojana (Gramin) government website in a new tab)

Documents & ID दस्तावेज़ और पहचान

Aadhaar, DigiLocker, passport, ration card

Documents & ID · Education
DigiLockerडिजिलॉकर
What you get
Official digital copies of your Aadhaar, licence, marksheets and more, valid like the originals.
Who can apply
Anyone with an Aadhaar-linked mobile number.
No answers yet0 comments
Scheme website digilocker.gov.in (opens the DigiLocker government website in a new tab)
Documents & ID · Complaints & RTI
UMANG appउमंग
What you get
Many central and state services in one app: EPF, gas booking, PAN, scheme status and more.
Who can apply
Anyone with a mobile number.
No answers yet0 comments
Scheme website web.umang.gov.in (opens the UMANG app government website in a new tab)
Documents & ID
Aadhaar app (successor to mAadhaar)आधार ऐप
What you get
Carry and share your Aadhaar on your phone, lock biometrics, and update address or mobile number.
Who can apply
Aadhaar holders. Up to five family profiles on one phone.
No answers yet0 comments
Scheme website uidai.gov.in (opens the Aadhaar app (successor to mAadhaar) government website in a new tab)
Documents & ID
Passport Sevaपासपोर्ट सेवा
What you get
Apply for or renew a passport online and book an appointment slot.
Who can apply
Indian citizens.
No answers yet0 comments
Scheme website passportindia.gov.in (opens the Passport Seva government website in a new tab)
Documents & ID · Money & banking
One Nation One Ration Cardवन नेशन वन राशन कार्ड
What you get
Collect your ration from any ration shop in India with your existing card. No new registration.
Who can apply
Ration card holders under the National Food Security Act, including migrant workers.
No answers yet0 comments
Scheme website nfsa.gov.in (opens the One Nation One Ration Card government website in a new tab)

Business कारोबार

Small business loans and MSME registration

Business · Jobs & skills
PM SVANidhiपीएम स्वनिधि
What you get
Collateral-free working capital loans for street vendors, with a bigger loan each time you repay on time.
Who can apply
Street vendors in towns and cities.
No answers yet0 comments
Scheme website pmsvanidhi.mohua.gov.in (opens the PM SVANidhi government website in a new tab)
Business
PM Mudra Yojanaमुद्रा योजना
What you get
Collateral-free loans for small non-farm businesses: from up to ₹50,000 (Shishu) to ₹20 lakh (Tarun Plus, after repaying a Tarun loan).
Who can apply
Micro and small business owners, through banks, NBFCs and MFIs.
No answers yet0 comments
Scheme website financialservices.gov.in (opens the PM Mudra Yojana government website in a new tab)
Business
Udyam Registrationउद्यम पंजीकरण
What you get
Free, paperless MSME registration that opens the door to MSME benefits.
Who can apply
Any micro, small or medium enterprise.
No answers yet0 comments
Scheme website udyamregistration.gov.in (opens the Udyam Registration government website in a new tab)

Complaints & RTI शिकायत और आरटीआई

Where to complain and get answers

Complaints & RTI
CPGRAMS (public grievances)लोक शिकायत पोर्टल
What you get
File a complaint against any central ministry or department and track it with a number.
Who can apply
Anyone.
No answers yet0 comments
Scheme website pgportal.gov.in (opens the CPGRAMS (public grievances) government website in a new tab)
Complaints & RTI
RTI Onlineआरटीआई ऑनलाइन
What you get
Ask a central public authority for information under the Right to Information Act, online.
Who can apply
Any Indian citizen. Fee is ₹10; BPL card holders are exempt.
No answers yet0 comments
Scheme website rtionline.gov.in (opens the RTI Online government website in a new tab)
Complaints & RTI
National Consumer Helplineराष्ट्रीय उपभोक्ता हेल्पलाइन
What you get
Help with complaints about products and services, before you go to consumer court. Call 1915.
Who can apply
Any consumer.
No answers yet0 comments
Scheme website consumerhelpline.gov.in (opens the National Consumer Helpline government website in a new tab)

Details checked on 7 November 2026. Rules change: always confirm on the official site before you apply. State governments run many more schemes that aren’t listed here yet. Know one that’s missing? Suggest a scheme.

Health स्वास्थ्य

Ayushman Bharat PM-JAYआयुष्मान भारत

ABHA health accountआभा

eSanjeevaniई-संजीवनी

PM Bhartiya Jan Aushadhi Kendraजन औषधि केंद्र

Money & banking पैसा और बैंक

PM Jan Dhan Yojanaजन धन योजना

PM Jeevan Jyoti Bima Yojanaजीवन ज्योति बीमा

PM Suraksha Bima Yojanaसुरक्षा बीमा

Atal Pension Yojanaअटल पेंशन योजना

Sukanya Samriddhi Accountसुकन्या समृद्धि

Farming खेती

PM-KISANपीएम किसान

PM Fasal Bima Yojanaफसल बीमा

Soil Health Cardमृदा स्वास्थ्य कार्ड

Jobs & skills रोज़गार और हुनर

e-Shramई-श्रम

National Career Serviceनेशनल करियर सर्विस

Skill India Digital Hubस्किल इंडिया डिजिटल

Education पढ़ाई

National Scholarship Portalराष्ट्रीय छात्रवृत्ति पोर्टल

SWAYAMस्वयं

Women & girls महिलाएँ और बेटियाँ

PM Matru Vandana Yojanaमातृ वंदना योजना

PM Ujjwala Yojanaउज्ज्वला योजना

Housing घर

PM Awas Yojana (Urban)प्रधानमंत्री आवास (शहरी)

PM Awas Yojana (Gramin)प्रधानमंत्री आवास (ग्रामीण)

Documents & ID दस्तावेज़ और पहचान

DigiLockerडिजिलॉकर

UMANG appउमंग

Aadhaar app (successor to mAadhaar)आधार ऐप

Passport Sevaपासपोर्ट सेवा

One Nation One Ration Cardवन नेशन वन राशन कार्ड

Business कारोबार

PM SVANidhiपीएम स्वनिधि

PM Mudra Yojanaमुद्रा योजना

Udyam Registrationउद्यम पंजीकरण

Complaints & RTI शिकायत और आरटीआई

CPGRAMS (public grievances)लोक शिकायत पोर्टल

RTI Onlineआरटीआई ऑनलाइन

National Consumer Helplineराष्ट्रीय उपभोक्ता हेल्पलाइन