🏛️ Government Schemes

Government Schemes India 2026 — Complete Guide to All Yojanas

PM Kisan, PMAY, Ayushman Bharat, Mudra Loan, Jan Dhan, Sukanya Samriddhi and 20+ schemes explained — eligibility, benefits and how to apply online. Updated May 2026.

By FinMandi TeamMay 2026✓ Updated May 2026

👨‍💼

Reviewed by FinMandi Research Team

Reviewed by banking professionals with 10+ years of experience · Verified May 2026

✓ RBI Sources ✓ Bank Verified ✓ May 2026

⚡ Key Benefits at a Glance

PM Kisan: Rs 6,000/year direct to farmer bank accounts — 11 crore beneficiaries
Ayushman Bharat PM-JAY: Rs 5 lakh free health cover — 28,000+ hospitals
PM Mudra Loan: Up to Rs 20 lakh business loan — no collateral needed
Sukanya Samriddhi: 8.2% interest — highest government scheme rate
PMAY: Free/subsidised house — urban and rural poor eligible
Jan Dhan: Zero balance account + Rs 2L accident insurance + Rs 30,000 life cover
SCSS: 8.2% interest for senior citizens — backed by the Government of India
Atal Pension: Rs 1,000-5,000/month guaranteed pension from age 60

💰 Financial Support Schemes

🌾

PM Kisan Samman Nidhi

Rs 6,000/year — 3 instalments of Rs 2,000

Direct income support to all farmer families. Deposited directly to bank account via DBT. 11 crore+ beneficiaries.

For Farmers

🏦

PM Jan Dhan Yojana

Zero balance account + Rs 2L accident insurance

Free bank account for every Indian. Debit card, overdraft up to Rs 10,000, Rs 30,000 life insurance cover.

For All Citizens

💼

PM Mudra Loan (PMMY)

Loans up to Rs 20 lakh — no collateral

Business loans for small entrepreneurs. Shishu (up to Rs 50K), Kishor (up to Rs 5L), Tarun (up to Rs 10L), Tarun Plus (up to Rs 20L).

For Entrepreneurs

🏠

PM Awas Yojana (PMAY)

Free/subsidised housing for poor families

Pucca house with basic amenities. PMAY-Urban and PMAY-Gramin. Interest subsidy on home loans under CLSS.

For Housing

🏥 Health & Insurance Schemes

🏥

Ayushman Bharat PM-JAY

Rs 5 lakh free health cover per family per year

Cashless treatment at 28,000+ hospitals. Covers 1,949 medical procedures. No premium for beneficiaries. Golden Card for access.

For BPL Families

🛡️

PMJJBY — Life Insurance

Rs 2 lakh life cover at just Rs 436/year

Pradhan Mantri Jeevan Jyoti Bima Yojana. For age 18-50. Renewed annually. Available at all banks and post offices.

For All Citizens

⚕️

PMSBY — Accident Insurance

Rs 2 lakh accident cover at just Rs 20/year

Pradhan Mantri Suraksha Bima Yojana. Rs 1 lakh for partial disability. Age 18-70 eligible. Auto-renewed from bank account.

For All Citizens

📈 Savings & Investment Schemes

👧

Sukanya Samriddhi Yojana

8.2% interest — highest government rate

For girl child below 10 years. 80C tax benefit. Partial withdrawal at 18. Matures at 21 years. Rs 250 minimum/year.

For Girl Child

👴

Senior Citizen Savings Scheme (SCSS)

8.2% interest — quarterly payout

For citizens 60+ years. Max Rs 30 lakh investment. 5-year tenure, extendable by 3 years. 80C tax benefit. Government guaranteed.

For Senior Citizens

👩

Mahila Samman Savings Certificate

7.5% interest — tax-free for women

Only for women and girls. 2-year tenure. Maximum Rs 2 lakh. Partial withdrawal allowed. Available at post offices and banks.

For Women

📮

Post Office Savings Schemes

6.9% to 8.2% — sovereign guaranteed

NSC, KVP, MIS, POTD, POMIS — complete range of government-backed saving options for every goal and tenure.

For All Investors

👴 Pension Schemes

🏦

Atal Pension Yojana (APY)

Rs 1,000 to Rs 5,000/month guaranteed pension

For unorganised sector workers aged 18-40. Government contributes for first 5 years (if eligible). 80CCD(1) tax benefit.

For Workers

📊

National Pension System (NPS)

Extra Rs 50,000 deduction under 80CCD(1B)

Market-linked pension scheme. Additional Rs 50,000 tax deduction over and above 80C limit. For all Indian citizens 18-70 years.

For All Citizens

🌾 Agriculture Schemes

🚜

Kisan Credit Card (KCC)

Loans up to Rs 3 lakh at 7% interest

Short-term credit for farmers. Government interest subvention makes effective rate 4% for timely repayment. All banks offer this.

For Farmers

🌱

PM Fasal Bima Yojana

Crop insurance at subsidised premium

Premium as low as 1.5-5% for farmers. Government pays remaining premium. Covers natural calamities, pests and diseases.

For Farmers

🎯 Which Schemes Are You Eligible For?

Check your eligibility for PM Kisan, Ayushman Bharat, PMAY and 20+ government schemes instantly

Check Eligibility on myScheme.gov.in → Check Your Financial Health Score →

How to Apply for Government Schemes — General Steps

Step 1 — Check eligibility: Visit myscheme.gov.in — enter your details to see all schemes you qualify for
Step 2 — Gather documents: Aadhaar card, PAN card, bank account details, income certificate (if required)
Step 3 — Apply online: Most schemes now have online portals. Links provided in each scheme article below
Step 4 — Visit CSC if needed: Common Service Centres (CSC) in every village and town help with offline applications
Step 5 — Track status: All major schemes have online status tracking with your Aadhaar or application number

💡 Important: Always apply through official government portals only — myscheme.gov.in, pmkisan.gov.in, pmjay.gov.in etc. Never pay anyone to apply for government schemes — all applications are FREE. Beware of WhatsApp fraud links claiming to offer scheme benefits.

📚 Detailed Guides — All Government Schemes

Scheme	Benefit	For Whom	Read Guide
PM Kisan Samman Nidhi	Rs 6,000/year	All farmers	Read →
PM Jan Dhan Yojana	Zero balance account + insurance	All citizens	Read →
PM Mudra Loan	Up to Rs 20 lakh loan	Small businesses	Read →
PM Awas Yojana	Free/subsidised house	Poor families	Read →
Sukanya Samriddhi Yojana	8.2% interest	Girl child	Read →
Senior Citizen Savings Scheme	8.2% quarterly payout	60+ years	Read →
Mahila Samman Certificate	7.5% tax-free	Women only	Read →
Atal Pension Yojana	Rs 1,000-5,000/month pension	18-40 years	Read →
Post Office Schemes	6.9%-8.2% sovereign	All investors	Read →

Frequently Asked Questions

The Central Government runs 300+ schemes and when state government schemes are included, the total exceeds 1,000 programmes. The major financial benefit schemes include PM Kisan, Ayushman Bharat, PMAY, Mudra Loan, Jan Dhan, Sukanya Samriddhi, SCSS, APY and various insurance schemes. Visit myscheme.gov.in to find all schemes you are eligible for based on your profile.

Visit myscheme.gov.in — the official Government of India portal. Enter your details (age, gender, occupation, income, state) and it shows all schemes you qualify for with application links. Alternatively, visit your nearest Common Service Centre (CSC) for free assistance in checking eligibility and applying.

Yes — all government scheme applications are completely free. You should never pay anyone to apply for a government scheme. Beware of fraudsters who charge fees claiming to process applications faster. Always apply directly through official portals or free Common Service Centres (CSCs).

📋 Sources & Methodology

Data sourced from: RBI official website · Official bank websites · SEBI · IRDAI · Ministry of Finance press releases. Rates verified by FinMandi Research Team. Last verified: May 2026. FinMandi does not accept payment to rank any bank or product.

Disclaimer: All scheme details are as per official government sources updated May 2026. Benefits and eligibility may change. Always verify at official government portals before applying.