Top Government Schemes in India:The Government of India runs several welfare schemes aimed at improving income security, healthcare, education, housing, and employment for citizens. These schemes are especially important for students, farmers, women, senior citizens, and low-income families.
Here’s a list of the top government schemes in India that everyone should know about.
1. Pradhan Mantri Jan Dhan Yojana (PMJDY)
Purpose: Financial inclusion
Key Benefits:
- Zero-balance bank account
- Free RuPay debit card
- Rs 2 lakh accident insurance
- Direct Benefit Transfer (DBT) support
Who can apply: Any Indian citizen without a bank account
2. PM Kisan Samman Nidhi Yojana
Purpose: Income support for farmers
Key Benefits:
- ₹6,000 per year in 3 installments
- Direct transfer to bank account
Who can apply: Small and marginal farmers
Also Read:Government Loan Scheme for Poultry and Goat Farming – Complete Details
3. Pradhan Mantri Awas Yojana (PMAY)
Purpose: Affordable housing
Key Benefits:
- Subsidy on home loans
- Financial assistance for house construction
Categories:
- PMAY-Gramin
- PMAY-Urban
4. Ayushman Bharat – PM Jan Arogya Yojana (PMJAY)
Purpose: Free healthcare for poor families
Key Benefits:
- Rs 5 lakh health insurance per family per year
- Cashless treatment in empanelled hospitals
Who can apply: Economically weaker families (as per SECC data)
5. Sukanya Samriddhi Yojana
Purpose: Girl Child Savings Scheme
Key Benefits:
- High interest rate (tax-free)
- Helps in education and marriage expenses
Eligibility: Girl child below 10 years
6. Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA)
Purpose: Rural employment
Key Benefits:
- 100 days of guaranteed wage employment
- Timely wage payments
Who can apply: Adult members of rural households
7. PM Scholarship Scheme
Purpose: Support students in higher education
Key Benefits:
- Financial aid for professional and technical courses
Who can apply: Eligible students from low-income families
8. Pradhan Mantri Ujjwala Yojana
Purpose: Clean cooking fuel for women
Key Benefits:
- Free LPG gas connection
- Reduces health risks from smoke
Who can apply: BPL households
9. Startup India Scheme
Purpose: Promote entrepreneurship
Key Benefits:
- Tax exemptions
- Funding support
- Simplified compliance
Who can apply: Startups registered in India
10. Atal Pension Yojana (APY)
Purpose: Pension for unorganised workers
Key Benefits:
- Monthly pension from Rs 1,000 to Rs 5,000
- Government co-contribution (eligible cases)
Who can apply: Workers aged 18–40 years
Why These Schemes Matter
- Reduce poverty and inequality
- Improve access to healthcare and housing
- Support education and employment
- Encourage savings and financial security
FAQs
How can I apply for government schemes?
Most schemes can be applied through official portals, CSC centres, or banks.
Are these schemes free?
Many schemes are fully free, while some require small contributions.
Can one person apply for multiple schemes?
Yes, if the eligibility criteria are met.
🧠 Final Word
Government schemes play a crucial role in improving the quality of life of citizens. Staying informed helps people use the benefits they are entitled to.
