Central Government Schemes

Parents of minor girl children seeking savings account linkages

• •Socio-educational campaigns to promote girls' education
• •Linked to Sukanya Samriddhi Yojana for high-yield girl education savings account

All farmers in notified zones growing notified crops in West Bengal

• •Comprehensive insurance cover against crop failure due to drought, floods, pests, and local natural calamities
• •Low premium rates: 2% for Kharif, 1.5% for Rabi, 5% for commercial crops

Adult women from BPL households in WB without an active gas connection

• •Free LPG connection including a deposit-free gas cylinder, regulator, and safety hose
• •State-backed financial assistance of Rs. 1,600 to purchase the hot plate stove and first refill cylinder

Parents of minor girl children seeking savings account linkages

• •Socio-educational campaigns to promote girls' education
• •Linked to Sukanya Samriddhi Yojana for high-yield girl education savings account

All Indian farmers with cultivable land

• •Rs. 6,000/year in 3 equal installments of Rs. 2,000 each
• •Direct bank transfer to farmer's Aadhaar-linked account

Homeless rural BPL families

• •Rs. 1.20 Lakhs subsidy in plains / Rs. 1.30 Lakhs in hilly areas
• •Additional Rs. 12,000 for toilet construction (Swachh Bharat linkage)

SECC-2011 deprived families

• •Rs. 5 Lakhs health cover per family per year
• •Cashless treatment at empaneled hospitals

Unorganized sector workers aged 18-40

• •Guaranteed monthly pension of Rs. 1,000 to Rs. 5,000 after age 60
• •Government co-contributes 50% of premium (for eligible members joined before 2016)

BPL women without existing LPG connection

• •Free LPG connection with first refill
• •Security deposit waived

All farmers growing notified crops

• •Crop insurance at nominal premium: 2% Kharif, 1.5% Rabi, 5% commercial crops
• •Full sum insured for crop loss due to natural calamities

Parents of girl children below 10 years

• •High interest rate (currently ~8.2% p.a.)
• •Tax benefits under Section 80C

Adult members of rural households willing to do manual work

• •100 days guaranteed wage employment per rural household per year
• •Minimum wages as per state notification

Small business owners and aspiring entrepreneurs

• •Shishu: Loans up to Rs. 50,000
• •Kishore: Loans Rs. 50,001 to Rs. 5 Lakhs

Students from SC/ST/OBC/Minority/EWS backgrounds seeking scholarships

• •Centralized portal for 100+ central and state scholarships
• •Pre-matric, post-matric, and merit-cum-means scholarships

Indian youth aged 17.5 to 21 years interested in serving in the Armed Forces

• •Four-year service tenure in the Indian Armed Forces (Army, Navy, or Air Force) with monthly salary starting at Rs. 30,000 in Year 1, Rs. 33,000 in Year 2, Rs. 36,500 in Year 3, and Rs. 40,000 in Year 4
• •Tax-free Seva Nidhi lump sum package of approximately Rs. 11.71 Lakh upon completing the four-year term (includes 30% monthly contribution + government matching + interest)

Self-employed artisans and craftspeople working in any of the 18 identified traditional trades

• •PM Vishwakarma Certificate and Digital ID Card providing formal recognition as a traditional artisan
• •5-7 days of basic skill training with optional 15+ days of advanced training, with a training stipend of Rs. 500 per day

All Indian citizens aged 18-50 who hold a savings bank account and want affordable life insurance

• •Life insurance cover of Rs. 2 Lakh payable to the nominee in the event of the subscriber's death due to any cause (natural or accidental)
• •Annual premium of only Rs. 436 — auto-debited from bank account, making it one of the cheapest term life insurance policies in India

All Indian citizens aged 18-70 who want affordable accidental death and disability insurance

• •Accidental death cover of Rs. 2 Lakh payable to the nominee
• •Total permanent disability cover of Rs. 2 Lakh (loss of both eyes, both hands, both feet, or loss of one eye and one hand/foot)

Indian homeowners wishing to transition to solar power and reduce electricity bills

• •Direct subsidy up to Rs. 78,000 for installing up to 3kW rooftop solar panels
• •Guarantees 300 units of free electricity per month for the household

Urban street vendors, hawkers, and cart operators in India

• •Collateral-free working capital loan of Rs. 10,000 (1st tranche), Rs. 20,000 (2nd tranche), and Rs. 50,000 (3rd tranche)
• •Interest subsidy of 7% per annum on timely repayments

Budding entrepreneurs looking to set up manufacturing or service start-ups in India

• •Credit-linked subsidy for new projects: up to Rs. 50 Lakhs (manufacturing) and Rs. 20 Lakhs (service)
• •State-backed margin money subsidy ranging from 15% to 35% based on location and category

Unbanked citizens seeking zero-balance savings accounts

• •Zero-balance savings account with no minimum balance requirements
• •Free RuPay Debit Card with built-in Rs. 2 Lakhs accidental death insurance cover

Fishers, fish seed growers, and aquaculture workers registered on NFDP

• •Access to institutional credit via specialized Matsya Kisan Cards
• •One-time financial subsidy for purchasing fishing boats, nets, and aerators

Micro food manufacturers (pickles, spices, juices) and FPOs looking to scale up in India

• •Credit-linked capital subsidy of 35% of the project cost (max Rs. 10 Lakhs)
• •Seed capital up to Rs. 40,000 per member of SHG for working capital and purchasing small tools

Poor and vulnerable families in India seeking free food security support

• •Free supply of 5 kg foodgrains (rice/wheat) per person per month to all PHH cardholders
• •Free supply of 35 kg foodgrains per family per month to AAY cardholders

All farmers in India seeking to optimize crop yields and fertilizer use

• •Free testing of soil nutrient status (12 parameters including N, P, K, pH)
• •Printed Soil Health Card showing nutrient deficiencies and recommendation of exact fertilizer dosage

Urban poor, slum dwellers, and middle income families in India without owned concrete houses

• •Credit Linked Subsidy Scheme (CLSS) up to Rs. 2.67 Lakhs on housing loan interest rates
• •Direct central grant of Rs. 1.5 Lakhs for construction/extension of own houses under Beneficiary Led Construction (BLC)

Elderly, widowed, or disabled individuals from BPL families in India

• •Direct monthly pension support (varies by sub-schemes like IGNOAPS, IGNWPS) from Rs. 200 to Rs. 1,000, supplemented by matching state contributions

Seniors aged 60+ from BPL households in India

• •Monthly pension of Rs. 200 (for ages 60-79) and Rs. 500 (for ages 80+), typically matched by state contributions (totalling Rs. 1,000/month in WB)

Widows aged 40-79 belonging to BPL households in India

• •Monthly pension of Rs. 300, supplemented by state contributions (totalling Rs. 1,000/month in WB) credited directly to bank account

Severely disabled persons aged 18-79 from BPL households in India

• •Monthly pension of Rs. 300 (Rs. 500 after 80 years), supplemented by state contributions (totalling Rs. 1,000/month in WB)

Nominees/survivors of deceased primary breadwinners aged 18-59 in BPL households

• •One-time financial grant assistance of Rs. 20,000 paid to the surviving head of the household in case of the primary breadwinner's death