A Simple Guide for Indian Citizens
Each year, the Indian government rolls out several welfare schemes aimed at supporting farmers, workers, students, women, and the economically weaker sections of society. In 2025, many existing schemes continue with updates, and new ones have been introduced to increase coverage and ease of access.
This guide lists the top 10 government schemes that you should be aware of, especially if you belong to the working class, low-income group, or are a student or small business owner.
1. 🧑🌾 PM Kisan Samman Nidhi Yojana
Support for Farmers
- Benefit: ₹6,000 annually (₹2,000 every four months) is directly deposited into the bank accounts of eligible farmers.
- Eligibility: Small and marginal farmers owning cultivable land.
- Application Mode: Online through pmkisan.gov.in or at common service centers (CSCs).
2. 🏠 Pradhan Mantri Awas Yojana (PMAY – Urban & Rural)
Affordable Housing for All
- Benefit: Interest subsidy up to ₹2.67 lakh on housing loans.
- Eligibility: Economically Weaker Section (EWS), Low-Income Group (LIG), and Middle-Income Group (MIG) categories.
- Application Mode: Online through pmaymis.gov.in or through your bank or housing finance company.
3. 🏥 Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)
Free Health Insurance
- Benefit: ₹5 lakh per family per year for secondary and tertiary hospitalization.
- Eligibility: Families listed in SECC 2011 or holding ration cards under NFSA.
- Application Mode: Automatic enrollment in eligible households; check eligibility at pmjay.gov.in.
4. 💳 e-Shram Card Registration
For Unorganised Sector Workers
- Benefit: ₹2 lakh accident insurance + access to future welfare schemes.
- Eligibility: Workers in the unorganised sector (construction, agriculture, domestic, etc.) aged 16–59 years.
- Application Mode: Online via eshram.gov.in or nearby CSC centers.
5. 🧓 Pradhan Mantri Shram Yogi Maandhan Yojana
Pension for Unorganised Workers
- Benefit: ₹3,000/month pension after age 60.
- Eligibility: Unorganised workers aged 18–40 with monthly income below ₹15,000.
- Application Mode: Enrolment at CSCs with Aadhaar and bank account.
6. 🏦 Atal Pension Yojana (APY)
Pension Scheme for All Citizens
- Benefit: ₹1,000 to ₹5,000 monthly pension after age 60, depending on contribution.
- Eligibility: Indian citizens aged 18–40 with a savings bank account.
- Application Mode: Apply through your bank or post office.
7. 📚 National Scholarship Portal (NSP)
Financial Help for Students
- Benefit: Scholarships from ₹10,000 to ₹50,000 depending on course and category.
- Eligibility: SC/ST/OBC/Minority/General students from class 1 to PG level, meeting income and performance criteria.
- Application Mode: Online at scholarships.gov.in during the annual application window.
8. 🧾 Udyam Aadhaar (MSME Registration)
Support for Small Businesses
- Benefit: Access to government schemes, subsidies, and easy loans.
- Eligibility: Any micro, small or medium enterprise (MSME) in manufacturing or services.
- Application Mode: Online registration at udyamregistration.gov.in.
9. 🧬 ABHA Card (Ayushman Bharat Health Account)
Digital Health Identity
- Benefit: Centralised health records, easier access to doctors and hospitals.
- Eligibility: All Indian citizens.
- Application Mode: Online via abdm.gov.in or mobile health apps like Aarogya Setu.
10. 🍚 Ration Card under NFSA (National Food Security Act)
Food Security for Low-Income Families
- Benefit: Subsidised food grains through Public Distribution System (PDS).
- Eligibility: Based on state guidelines and family income.
- Application Mode: Apply through local rationing office or state food supply portal.
📌 Final Notes
- Always keep your Aadhaar, bank passbook, mobile number, and income proof ready for any application.
- Eligibility rules and required documents vary from scheme to scheme.
- Most of these schemes have no charges for online self-application if you’re confident using government portals.
ℹ️ Useful Official Websites
| Scheme | Website |
| PM Kisan | pmkisan.gov.in |
| PMAY | pmaymis.gov.in |
| PM-JAY | pmjay.gov.in |
| e-Shram | eshram.gov.in |
| NSP | scholarships.gov.in |
| Udyam | udyamregistration.gov.in |
| ABHA | abdm.gov.in |
🧠 Tip for Readers
Bookmark this blog or save it as a PDF for future reference. Share it with family or friends who may benefit from any of these schemes.
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