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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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7 schemes in Money & banking
By need Works best Top Newest Most discussed Money & banking
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 yet 0 comments
Scheme website ↗ pmjdy.gov.in (opens the PM Jan Dhan Yojana government website in a new tab) Money & banking
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 yet 0 comments
Scheme website ↗ financialservices.gov.in (opens the PM Jeevan Jyoti Bima Yojana government website in a new tab) Money & banking
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 yet 0 comments
Scheme website ↗ financialservices.gov.in (opens the PM Suraksha Bima Yojana government website in a new tab) Money & banking · Jobs & skills
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 yet 0 comments
Scheme website ↗ financialservices.gov.in (opens the Atal Pension Yojana government website in a new tab) Money & banking · Women & girls
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 yet 0 comments
Scheme website ↗ indiapost.gov.in (opens the Sukanya Samriddhi Account government website in a new tab) Farming · Money & banking
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 yet 0 comments
Scheme website ↗ pmkisan.gov.in (opens the PM-KISAN government website in a new tab) Documents & ID · Money & banking
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 yet 0 comments
Scheme website ↗ nfsa.gov.in (opens the One Nation One Ration Card 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 .