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Government Scheme Finder

Discover central & state schemes you’re eligible for — with the date announced, benefits, eligibility reasons, and step-by-step guidance to apply. Our list updates automatically as new schemes are announced.

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PM Vishwakarma

Employment · Central · Ministry of Micro, Small & Medium Enterprises
Central
Announced 17 Sep 2023

Support for traditional artisans and craftspeople across 18 trades.

Benefits

Skill training with stipend, a toolkit incentive of Rs 15,000, and collateral-free credit support up to Rs 3 lakh.

How to apply & documents
Mode: Online
  1. Visit pmvishwakarma.gov.in or a nearby Common Service Centre.
  2. Complete Aadhaar-based biometric registration.
  3. Select your trade and fill the application.
  4. Application is verified at gram panchayat / ULB level.
  5. On approval, enrol for training and benefits.
Document checklist
Apply on official site

PM-KISAN Samman Nidhi

Agriculture · Central · Ministry of Agriculture & Farmers Welfare
Central
Announced 24 Feb 2019

Income support for landholding farmer families across India.

Benefits

Rs 6,000 per year paid in three equal instalments of Rs 2,000 directly to the bank account.

How to apply & documents
Mode: Both
  1. Visit pmkisan.gov.in and open 'New Farmer Registration'.
  2. Enter Aadhaar, mobile and select your state.
  3. Fill land and bank account details.
  4. Submit and note the registration number.
  5. Status can be checked under 'Beneficiary Status'.
Document checklist
Apply on official site

Ayushman Bharat PM-JAY

Health · Central · Ministry of Health & Family Welfare
Central
Announced 23 Sep 2018

World’s largest government-funded health assurance scheme for poor and vulnerable families.

Benefits

Health cover of Rs 5 lakh per family per year for secondary and tertiary hospitalisation.

How to apply & documents
Mode: Both
  1. Check eligibility at pmjay.gov.in ('Am I Eligible').
  2. Visit the nearest empanelled hospital or Common Service Centre.
  3. Verify identity with Aadhaar to generate the Ayushman card.
  4. Use the card for cashless treatment at empanelled hospitals.
Document checklist
Apply on official site

PM Ujjwala Yojana 2.0

Women & Child · Central · Ministry of Petroleum & Natural Gas
Central
Announced 01 May 2016

Free LPG connections to women from below-poverty-line households.

Benefits

Free LPG connection with deposit-free first refill and stove to eligible women.

How to apply & documents
Mode: Both
  1. Visit pmuy.gov.in and choose your preferred LPG distributor.
  2. Fill the Ujjwala 2.0 KYC form.
  3. Submit Aadhaar and bank details.
  4. Distributor verifies and issues the connection.
Document checklist
Apply on official site

Stand-Up India

Finance · Central · Ministry of Finance
Central
Announced 05 Apr 2016

Bank loans to promote entrepreneurship among women and SC/ST borrowers.

Benefits

Bank loans between Rs 10 lakh and Rs 1 crore for greenfield enterprises in manufacturing, services or trading.

How to apply & documents
Mode: Online
  1. Register on standupmitra.in as a new entrepreneur.
  2. Complete the readiness questionnaire and hand-holding steps.
  3. Fill the loan application with project details.
  4. Application is routed to your chosen bank branch.
  5. Bank appraises and sanctions the loan.
Document checklist
Apply on official site

Pradhan Mantri Awas Yojana (Urban)

Housing · Central · Ministry of Housing & Urban Affairs
Central
Announced 25 Jun 2015

Affordable housing mission for urban poor and middle-income groups.

Benefits

Interest subsidy on home loans and central assistance for house construction or purchase.

How to apply & documents
Mode: Online
  1. Go to pmaymis.gov.in and select 'Citizen Assessment'.
  2. Enter Aadhaar to begin the application.
  3. Fill personal, income and current housing details.
  4. Submit and save the application number.
  5. Track status under 'Track Your Assessment Status'.
Document checklist
Apply on official site

Atal Pension Yojana

Pension · Central · Ministry of Finance (PFRDA)
Central
Announced 09 May 2015

Guaranteed pension scheme aimed at workers in the unorganised sector.

Benefits

Guaranteed monthly pension of Rs 1,000 to Rs 5,000 from age 60, based on contributions.

How to apply & documents
Mode: Both
  1. Visit your bank or post office where you hold a savings account.
  2. Fill the APY registration form (also available via net-banking).
  3. Choose the pension amount and contribution frequency.
  4. Authorise auto-debit from your savings account.
  5. Receive the APY PRAN confirmation.
Document checklist
Apply on official site

Pradhan Mantri Mudra Yojana

Finance · Central · Ministry of Finance
Central
Announced 08 Apr 2015

Collateral-free loans for micro and small non-corporate, non-farm enterprises.

Benefits

Loans up to Rs 10 lakh under Shishu, Kishore and Tarun categories to start or grow a small business.

How to apply & documents
Mode: Both
  1. Prepare a simple business plan and required documents.
  2. Approach any bank, NBFC or MFI, or apply on udyamimitra.in.
  3. Fill the Mudra loan application for the right category.
  4. Submit KYC and business documents.
  5. Loan is sanctioned after bank appraisal.
Document checklist
Apply on official site

Sukanya Samriddhi Yojana

Women & Child · Central · Ministry of Finance
Central
Announced 22 Jan 2015

Small savings scheme for the girl child under Beti Bachao Beti Padhao.

Benefits

High fixed interest rate, tax benefits under 80C, and a maturity corpus for the girl child’s education and marriage.

How to apply & documents
Mode: Offline
  1. Visit any post office or authorised bank branch.
  2. Collect and fill the SSY account opening form.
  3. Submit the girl child’s birth certificate and guardian KYC.
  4. Deposit the opening amount (min Rs 250).
  5. Collect the passbook for the account.
Document checklist
Apply on official site

Mahatma Gandhi NREGA

Employment · Central · Ministry of Rural Development
Central
Announced 02 Feb 2006

Guaranteed wage employment in rural areas.

Benefits

At least 100 days of guaranteed wage employment per rural household per financial year.

How to apply & documents
Mode: Offline
  1. Apply for a job card at your Gram Panchayat.
  2. Submit a written application with household details and photos.
  3. Receive the MGNREGA job card.
  4. Apply for work; employment is provided within 15 days.
Document checklist
Apply on official site

National Post-Matric Scholarship

Education · Central · Ministry of Social Justice & Empowerment
Central

Scholarship support for students from economically weaker sections after class 10.

Benefits

Tuition fee reimbursement and maintenance allowance for eligible post-matric students.

How to apply & documents
Mode: Online
  1. Register on the National Scholarship Portal (scholarships.gov.in).
  2. Complete your student profile and verify via OTP.
  3. Select the relevant post-matric scholarship.
  4. Upload documents and submit the application.
  5. Track approval through your institute and state.
Document checklist
Apply on official site

Indira Gandhi National Old Age Pension

Pension · Central · Ministry of Rural Development (NSAP)
Central

Monthly pension for senior citizens from below-poverty-line households.

Benefits

Monthly pension to elderly citizens aged 60+ from BPL families.

How to apply & documents
Mode: Offline
  1. Obtain the NSAP application from your Gram Panchayat or municipality.
  2. Fill in personal, age and BPL details.
  3. Attach age and BPL proof.
  4. Submit to the local body for verification and sanction.
Document checklist
Apply on official site

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How to apply for any government scheme

  1. Check eligibility — confirm age, income, category and state, here or on the official portal.
  2. Keep documents ready — Aadhaar, bank passbook, income/caste/domicile certificate, photos, and a mobile number linked to Aadhaar.
  3. Apply — online via the scheme’s official site, MyScheme or the UMANG app; or offline at a Common Service Centre (CSC), bank or panchayat/municipal office.
  4. Save your reference number and track the application status.
  5. Complete verification and collect your benefit, card or sanction.

Only apply on official .gov.in / .nic.in websites. Government schemes are free to apply — never pay an agent or share OTPs.

Documents you usually need

Aadhaar card (mobile linked)
PAN card
Bank passbook / account details
Income certificate
Caste / category certificate (if applicable)
Domicile / residence proof
Ration card & passport-size photos

Where to apply

MyScheme UMANG CSC centres Banks & Post offices
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