Schemes for Income Under 1 Lakh / Year
Browse welfare programs, pensions, and subsidies eligible for individuals and families with an annual household income under Rs. 1,00,000 (1 Lakh).
Lakshmir Bhandar
Women aged 25-60 who are the head of their household in West Bengal
- •Monthly direct cash transfer of Rs. 1,000 to General category female heads of households
- •Monthly direct cash transfer of Rs. 1,200 to SC/ST category female heads of households
Annapurna Bhandar
Women residents of West Bengal aged between 25 and 60 years
- •Monthly financial assistance of Rs. 3,000 transferred directly to the beneficiary's Aadhaar-linked bank account
- •Helps cover essential household needs like groceries, medicine, and children's education
Jai Bangla Pension
SC/ST residents aged 60+ in West Bengal
- •Monthly pension of Rs. 1,000 credited directly to bank account
- •Covers both Taposili Bandhu (SC) and Jai Johar (ST) sub-schemes
Old Age Pension
BPL seniors aged 60+ not covered by Jai Bangla
- •Monthly pension of Rs. 1,000 via DBT
- •No beneficiary contribution required
Widow Pension
Destitute widows in WB with no income
- •Monthly pension of Rs. 1,000 via DBT
Manabik Pension
Persons with 40%+ disability in WB
- •Monthly pension of Rs. 1,000 via DBT
- •No age restriction for disabled persons
Kanyashree Prakalpa
Unmarried girls aged 13-18 in WB
- •K1: Annual scholarship of Rs. 1,000 for girls aged 13-18
- •K2: One-time grant of Rs. 25,000 upon turning 18 (if unmarried and in education)
Rupashree Prakalpa
Brides aged 18+ from families with income < Rs. 1.5L/year
- •One-time financial grant of Rs. 25,000 for marriage expenses
- •Credited to the bride's bank account
Swasthya Sathi
All WB families — especially those without private health insurance
- •Cashless treatment up to Rs. 5 Lakhs per family per year
- •Coverage for 1,500+ medical procedures
WB Student Credit Card
WB students admitted to higher education
- •Soft loan up to Rs. 10 Lakhs for higher education
- •Simple interest rate of 4% (6% for professional courses)
Duare Sarkar
Any WB resident who needs to enroll in welfare schemes
- •Doorstep access to 10+ welfare scheme enrollments
- •On-spot Swasthya Sathi card issuance
Krishak Bandhu
All WB farmers with cultivable land
- •Rs. 10,000/year (two installments of Rs. 5,000 each) for farmers with 1+ acre
- •Rs. 4,000/year for farmers with less than 1 acre
Yuvashree Prakalpa
Unemployed youth aged 18-45 registered with Employment Exchange
- •Monthly allowance of Rs. 1,500 for unemployed youth
- •Skill development linkage and placement assistance
Samajik Suraksha Yojana (BSY/BMSSY)
Unorganized sector workers in WB aged 18-60
- •Provident fund contributions by government
- •Accident insurance cover up to Rs. 2 Lakhs
Samabyathi Scholarship
Minority community students in Class 1-8
- •Annual scholarship amount for minority students in primary/upper primary level
Oikyashree Scholarship
Minority students Class 9+ with family income < Rs. 2.5L
- •Monthly stipend for minority students from Class 9 onwards
- •Covers tuition and maintenance costs
Sikshashree Scholarship
SC/ST students in Class 5-8 in WB
- •Annual scholarship for SC/ST students in upper primary level
- •Prevention of school dropout
Aikyashree Scholarship
Minority students at all levels in WB
- •Consolidated scholarship covering pre-matric and post-matric minority students
- •Covers admission fees, tuition, maintenance allowance
Accidental Benefit Scheme
Registered unorganized workers in West Bengal
- •Financial grant of up to Rs. 2 Lakhs in case of accidental death
- •Financial aid of up to Rs. 1 Lakh for permanent disability due to accident
Akanksha Housing Scheme
Serving West Bengal state government employees without urban housing
- •Subsidized land or ready-built flats allocated on ownership basis
- •Easy EMI payment schedules connected to salary
Amar Fasal Amar Gola
Small and marginal farmers in West Bengal with active land cultivation
- •Financial subsidy up to Rs. 25,000 for construction of zero-energy cool chambers or crop silos
- •Reduces post-harvest storage loss
Artisans Facilitation Supports
Registered handicraft and handloom artisans in West Bengal
- •Free access to government-sponsored exhibitions and melas for product sale
- •Travel and transport allowances for transporting goods to exhibitions
Artisans Financial Benefit Scheme
Traditional handicraft and handloom artisans aged 60+ in West Bengal
- •Monthly pension of Rs. 1,000 for elderly artisans
- •One-time tool-kit purchase grant up to Rs. 10,000
Assistance for Education of Children
Children of registered construction/unorganized workers studying in recognized institutions
- •Annual educational stipend ranging from Rs. 2,000 (primary) to Rs. 15,000 (post-graduate / professional courses)
Assistance for Marriage
Registered unorganized/construction workers in West Bengal marrying or marrying off their daughter
- •One-time financial assistance of Rs. 20,000 for the marriage of a registered worker or their daughter
Banglashree Scheme
New or expanding MSME units in West Bengal
- •Capital investment subsidies ranging from 10% to 40% based on location zone
- •Interest subsidy up to 6% on term loans
Beti Bachao Beti Padhao
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
Cost of Spectacle for Workers
Registered workers requiring vision spectacles with govt hospital prescriptions
- •One-time financial grant of Rs. 1,000 for purchasing spectacles/glasses due to vision degradation
Credit Linked Subsidy of Farm Machinery
Farmers and agricultural groups taking bank loans for farm machinery in WB
- •Credit-linked subsidy of up to 40% (max Rs. 2 Lakhs) for purchasing power tillers, tractors, and combine harvesters
- •Reduces interest burden of bank loan
Death Benefit Scheme
Nominees of deceased registered construction or unorganized workers
- •One-time financial death grant of Rs. 2 Lakhs paid to the registered nominee/dependent in case of normal or accidental death
Funeral Expenses for Construction Workers
Next-of-kin/nominee of deceased registered construction workers in West Bengal
- •One-time financial grant of Rs. 3,000 paid to the dependents for performing cremation/funeral rites of the worker
Financial Support Scheme for Farm Mechanization
Small/marginal farmers registered under Krishak Bandhu looking to buy farming machinery
- •Direct financial subsidy ranging from 50% to 60% on purchasing small farm tools, pump sets, seeders, or power tillers (max Rs. 10,000 to Rs. 50,000 depending on tool type)
Freeship Scheme
Students enrolled in government-aided colleges in WB with family income < Rs. 2.5L/year
- •Full or partial tuition fee waivers in designated government colleges, engineering institutes, and universities
Gatidhara Scheme
Unemployed youth with driving licenses seeking transport self-employment in WB
- •One-time financial subsidy of 30% of the vehicle cost (max Rs. 1 Lakh) for purchasing commercial transport vehicles (taxis, small trucks, auto-rickshaws)
Gitanjali Housing Scheme
Poor families in West Bengal living in mud houses who own a small parcel of land
- •Financial grant of Rs. 1.2 Lakhs in plains and Rs. 1.3 Lakhs in hilly/forest areas for constructing a concrete housing unit
Integrated Minority Development Programme
Local community leaders and PRIs submitting block development designs
- •Development of local drinking water units, classrooms, sanitation facilities, and health sub-centers in minority pockets
Handloom and Khadi Weavers Benefit Scheme
Active handloom and khadi weavers in West Bengal
- •Financial grant of Rs. 10,000 for repairing handlooms or upgrading accessories
- •Thrift Fund Scheme linkage (matching contribution by state govt)
Handloom and Khadi Weavers Scheme
Registered handloom weavers and weaving cooperative groups in WB
- •Supply of raw yarn at 10% subsidized rates
- •Work-shed construction subsidies up to Rs. 25,000
Khadi Weavers Benefit Scheme
Registered Khadi spinners and weavers aged 60+ in West Bengal
- •Monthly old-age pension of Rs. 1,000 for elderly khadi spinning and weaving artisans
- •Access to health insurance card cover
Interest Subsidy on Term Loan (MSME)
Registered MSME units in WB paying regular interest on bank term loans
- •Interest subsidy of 4% to 6% per annum on term loans for up to 5 years (subject to timely repayment track record)
Interest Subsidy on Term Loan (Tourism)
Registered homestay and hotel business promoters with active bank term loans in WB
- •Interest subsidy of 5% to 7% per annum on bank term loans taken for setting up registered hotels, homestays, or wellness centers (max 5 years)
Karmasathi Prakalpa Scheme
Unemployed youth (Class 8 pass, aged 18-50) looking to start business in WB
- •Subsidized self-employment credit loan up to Rs. 2 Lakhs
- •State government provides 15% subsidy of project cost (max Rs. 25,000)
Literary and Cultural Pension Scheme
Traditional authors, poets, musicians, and stage actors aged 60+ in WB
- •Monthly pension of Rs. 1,000 credited to bank account to support sustenance during old age
Lokprasar Prakalpo
Traditional folk musicians, dancers, and theater performers in West Bengal
- •Monthly retention fee of Rs. 1,000 for active folk artists (aged 18-60)
- •Additional payment of Rs. 1,000 per day for performing at government campaign campaigns
Migrant Workers Death Assistance Scheme
Nominees of deceased registered migrant workers from West Bengal
- •Financial grant of Rs. 2 Lakhs paid to the nominee in case of accidental death while working outside the state
- •Financial grant of Rs. 50,000 in case of natural death while working outside the state
Migrant Workers Welfare Scheme
West Bengal citizens working or planning to work outside the state in unorganized roles
- •Emergency repatriation support during crises or lockouts
- •Financial grant of Rs. 25,000 for accidental injury/hospitalization
Miscarriage Benefit
Registered female construction/unorganized workers undergoing miscarriages or medical termination of pregnancy
- •Financial grant of Rs. 3,000 paid to the registered female worker in case of miscarriage or medical termination of pregnancy (MTP)
Nijasharee Housing Scheme
LIG and MIG families in WB without owned urban housing units
- •Subsidized 1BHK and 2BHK flat options in urban complexes
- •LIG flats (378 sq ft) and MIG flats (559 sq ft) allocated at highly subsidized government rates
Pratyasha Housing Scheme
Serving West Bengal Police and Kolkata Police constables, head constables, and sub-inspectors
- •Highly subsidized apartment accommodations in newly constructed police housing cooperative zones
- •Promotes social security for junior ranks
Refund of Subscriptions for Construction Workers
Registered construction workers in WB reaching 60 years of age with active contributions
- •Refund of the entire accumulated registration subscription amount along with a compound interest rate of 8% on retirement (60 years)
Reimbursement of Stamp Duty and Registration Fee
Registered MSME developers purchasing/leasing industrial land in WB
- •Reimbursement of up to 100% of stamp duty and registration fees paid on land acquisition for setting up MSME units (varies by zone category)
One Time Assistance to Small and Marginal Farmers
Marginal farmers registered under Krishak Bandhu who suffered crop losses due to weather extremes
- •One-time direct cash support grant of Rs. 5,000 to Rs. 10,000 to compensate for input cost/seeds loss during crop failure phases
Pension Scheme for Journalists
Retired media personnel and editors aged 60+ with 20-year service histories in West Bengal
- •Monthly social security pension of Rs. 2,500 credited to bank account for life
Power Subsidy Scheme
Registered manufacturing micro/small units paying commercial electricity rates in WB
- •Power subsidy of Rs. 1.00 to Rs. 1.50 per unit consumed (capped under quarterly ceilings) for up to 5 years from production start
Pradhan Mantri Fasal Bima Yojana
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
Pradhan Mantri Ujjwala Yojana
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
Hearing Aid for Construction Workers
Registered construction workers with verified audiometry loss seeking assistive hearing tools
- •Financial reimbursement of up to Rs. 5,000 for purchasing certified hearing aids for vision/hearing-impaired registered workers
Incentive Scheme for Powerloom Sector
Textile entrepreneurs setting up or upgrading powerloom factories in WB
- •Capital subsidy up to 20% on the cost of modernizing powerlooms
- •Electricity duty exemption up to 5 years
Old Age Pension for Transgender Persons
Transgender individuals in WB aged 60+ without stable income sources
- •Monthly pension allowance of Rs. 1,000 transferred directly to Aadhaar-linked bank accounts
Old Age Pension to Sex Workers
Retired female sex workers in WB aged 60+ requiring social security supports
- •Monthly pension support of Rs. 1,000 credited to savings bank accounts for lifetime sustenance
Refund of Subscriptions (BSY/BMSSY)
Registered construction workers in WB reaching 60 years of age with active contributions
- •Refund of the entire accumulated registration subscription amount along with a compound interest rate of 8% on retirement (60 years)
Power Subsidy (BSY/BMSSY)
Registered manufacturing micro/small units paying commercial electricity rates in WB
- •Power subsidy of Rs. 1.00 to Rs. 1.50 per unit consumed (capped under quarterly ceilings) for up to 5 years from production start
Repatriation of Dead Body
Next-of-kin of deceased registered migrant workers from WB requiring transportation cost refunds
- •Financial grant of Rs. 25,000 paid to the dependents for the transportation of the mortal remains of the deceased worker back to their home in West Bengal
Beti Bachao Beti Padhao (BSY/BMSSY)
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
Sabooj Sathi
Class 9-12 students in government-aided schools in WB
- •One-time free distribution of a bicycle to support travel to school
- •Promotes student attendance and reduces dropouts, especially among girls
Swami Vivekananda Merit-cum-Means Scholarship
Meritorious students in WB with family income under Rs. 2.5 Lakhs/year
- •Monthly scholarship of Rs. 1,000 to Rs. 5,000 to cover education and maintenance costs (varies by level from HS to PG/professional)
Medhashree Scheme
OBC students in Class 5-8 with low family incomes in WB
- •Annual scholarship stipend of Rs. 800 paid directly to the student's bank account to support schooling costs
Utkarsh Bangla
Unemployed youth or dropouts in WB seeking placement vocational skills
- •Free vocational training in high-demand trades (IT, hospitality, healthcare, tailoring, automotive)
- •Certified credentials from the state skill council
Banglar Bari Housing Scheme
Urban poor and slum dwellers in West Bengal municipal areas
- •Subsidized ownership of ready-to-move 1BHK/2BHK flats in high-rise municipal complexes
- •State government finances up to 90% of the flat cost
Banglar Yuba Sathi
Unemployed Class 12+ passed youth in WB registered under Employment Bank
- •Monthly internship stipend of Rs. 1,500 to Rs. 2,500 for participating in state-sponsored youth training programs
- •Access to career counseling fairs
Rajya Khadya Suraksha Yojana
Poor families in West Bengal without active digital ration cards under NFSA
- •RKSY-I: 5 kg free foodgrains (rice/wheat) per head per month
- •RKSY-II: 1 kg foodgrains per head per month at highly subsidized rate (Rs. 2/kg for wheat, Rs. 3/kg for rice)
Patta Application Scheme
Landless agricultural laborers and homeless rural families in WB
- •Allocation of legal land ownership rights (Patta) for agricultural or homestead use up to 1 acre of government land
- •Protects against eviction
Rojgar Seva Portal
Unemployed school and college graduates in West Bengal
- •Online registration in Employment Bank database
- •Free notification access for state private and public job vacancies
Pre-Matric Scholarship for SC, ST & OBC
SC/ST/OBC students in Class 9-10 with low family incomes in WB
- •Annual scholarship stipend of Rs. 3,000 to Rs. 4,000 to cover tuition fees and book costs
Post-Matric Scholarship
SC/ST/OBC students pursuing college or technical diplomas in WB with family income < Rs. 2.5L/year
- •Monthly maintenance allowance and reimbursement of compulsory non-refundable fees (varies from Rs. 5,000 to Rs. 12,000 per year depending on course type)
Minority Pre & Post-Matric Scholarships
Minority community students in WB with family income under Rs. 2 Lakhs/year
- •Annual stipend of Rs. 1,100 to Rs. 11,000 to cover admission fees, tuition fees, and maintenance costs
Sabooj Sathi
Class 9-12 students in government-aided schools in WB
- •One-time free distribution of a bicycle to support travel to school
- •Promotes student attendance and reduces dropouts, especially among girls
Swami Vivekananda Merit-cum-Means Scholarship
Meritorious students in WB with family income under Rs. 2.5 Lakhs/year
- •Monthly scholarship of Rs. 1,000 to Rs. 5,000 to cover education and maintenance costs (varies by level from HS to PG/professional)
Medhashree Scheme
OBC students in Class 5-8 with low family incomes in WB
- •Annual scholarship stipend of Rs. 800 paid directly to the student's bank account to support schooling costs
Utkarsh Bangla
Unemployed youth or dropouts in WB seeking placement vocational skills
- •Free vocational training in high-demand trades (IT, hospitality, healthcare, tailoring, automotive)
- •Certified credentials from the state skill council
Banglar Bari Housing Scheme
Urban poor and slum dwellers in West Bengal municipal areas
- •Subsidized ownership of ready-to-move 1BHK/2BHK flats in high-rise municipal complexes
- •State government finances up to 90% of the flat cost
Banglar Yuba Sathi
Unemployed Class 12+ passed youth in WB registered under Employment Bank
- •Monthly internship stipend of Rs. 1,500 to Rs. 2,500 for participating in state-sponsored youth training programs
- •Access to career counseling fairs
Rajya Khadya Suraksha Yojana
Poor families in West Bengal without active digital ration cards under NFSA
- •RKSY-I: 5 kg free foodgrains (rice/wheat) per head per month
- •RKSY-II: 1 kg foodgrains per head per month at highly subsidized rate (Rs. 2/kg for wheat, Rs. 3/kg for rice)
Patta Application Scheme
Landless agricultural laborers and homeless rural families in WB
- •Allocation of legal land ownership rights (Patta) for agricultural or homestead use up to 1 acre of government land
- •Protects against eviction
Rojgar Seva Portal
Unemployed school and college graduates in West Bengal
- •Online registration in Employment Bank database
- •Free notification access for state private and public job vacancies
Pre-Matric Scholarship for SC, ST & OBC
SC/ST/OBC students in Class 9-10 with low family incomes in WB
- •Annual scholarship stipend of Rs. 3,000 to Rs. 4,000 to cover tuition fees and book costs
Post-Matric Scholarship
SC/ST/OBC students pursuing college or technical diplomas in WB with family income < Rs. 2.5L/year
- •Monthly maintenance allowance and reimbursement of compulsory non-refundable fees (varies from Rs. 5,000 to Rs. 12,000 per year depending on course type)
Minority Pre & Post-Matric Scholarships
Minority community students in WB with family income under Rs. 2 Lakhs/year
- •Annual stipend of Rs. 1,100 to Rs. 11,000 to cover admission fees, tuition fees, and maintenance costs
Cremation Scheme
Nominees or family members of deceased unorganized workers registered in West Bengal
- •One-time financial grant of Rs. 3,000 for funeral and cremation expenses of a registered worker
- •Provides immediate relief to the nominee or dependent family members
Handloom Weavers Scheme
Active handloom weavers in West Bengal holding valid identity cards
- •Subsidized yarn supply and credit linkages through Weaver Cooperatives
- •Financial grant for loom upgradation and construction of work sheds
Jai Johar Scheme
Scheduled Tribe senior citizens in West Bengal aged 60 or above
- •Monthly pension of Rs. 1,000 credited directly to the beneficiary's bank account via DBT
- •Universal coverage for all eligible ST elderly citizens who meet the guidelines
Pension Benefit Scheme
Registered unorganized workers in West Bengal who have reached 60 years of age
- •Monthly old age pension of Rs. 1,000 to retired unorganized sector workers
- •Ensures post-retirement livelihood and social security for unorganized labourers
Tapashili Bandhu
Scheduled Caste senior citizens of West Bengal aged 60 or above
- •Monthly pension of Rs. 1,000 credited directly to the beneficiary's bank account via DBT
- •Universal access for all eligible SC senior citizens in the state
PM Kisan Samman Nidhi
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
PM Awas Yojana (Gramin)
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)
Ayushman Bharat PM-JAY
SECC-2011 deprived families
- •Rs. 5 Lakhs health cover per family per year
- •Cashless treatment at empaneled hospitals
Atal Pension Yojana
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)
PM Ujjwala Yojana
BPL women without existing LPG connection
- •Free LPG connection with first refill
- •Security deposit waived
PM Fasal Bima Yojana
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
Sukanya Samriddhi Yojana
Parents of girl children below 10 years
- •High interest rate (currently ~8.2% p.a.)
- •Tax benefits under Section 80C
MGNREGA
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
PM Mudra Yojana
Small business owners and aspiring entrepreneurs
- •Shishu: Loans up to Rs. 50,000
- •Kishore: Loans Rs. 50,001 to Rs. 5 Lakhs
National Scholarship Portal
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
Agnipath Scheme (Agniveer)
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)
PM Vishwakarma Yojana
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
PM Jeevan Jyoti Bima Yojana (PMJJBY)
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
PM Suraksha Bima Yojana (PMSBY)
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)
PM Surya Ghar Muft Bijli Yojana
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
PM SVANidhi Scheme
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
PMEGP (Prime Minister Employment Generation Programme)
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
PM Jan Dhan Yojana
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
PM Matsya Kisan Samridhi Sah-Yojana
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
PM Formalisation of Micro Food Processing Enterprises
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
PM Garib Kalyan Anna Yojana
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
Soil Health Card Scheme
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
PM Awas Yojana (Urban)
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)
National Social Assistance Programme (NSAP)
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
Indira Gandhi National Old Age Pension Scheme
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)
Indira Gandhi National Widow Pension Scheme
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
Indira Gandhi National Disability Pension Scheme
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)
National Family Benefit Scheme
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
Maharashtra Mukhyamantri Majhi Ladki Bahin Yojana
Women residents of Maharashtra aged 21-65 from low-income families
- •Monthly financial assistance of Rs. 1,500 transferred directly to the Aadhaar-linked bank account
- •Proposed increase of monthly benefit up to Rs. 2,100 in subsequent phases
Karnataka Gruha Lakshmi Scheme
Women heads of households in Karnataka possessing BPL or Antyodaya cards
- •Monthly financial assistance of Rs. 2,000 credited directly to the bank account
- •Total annual financial benefit of Rs. 24,000 per household
Madhya Pradesh Mukhyamantri Ladli Behna Scheme
Married, widowed, or divorced women residents of MP aged 21-60
- •Monthly direct cash transfer of Rs. 1,500 (increased from initial Rs. 1,000/month)
- •Proposed gradual increase up to Rs. 3,000 per month by the state government
AP Annadatha Sukhibhava (Farmer Support)
All active farmers in Andhra Pradesh with registered land holdings
- •Annual financial support of Rs. 13,500 per farmer family for agricultural investment, provided through Direct Benefit Transfer (DBT)
- •In addition to the state's Rs. 13,500, eligible farmers also receive Rs. 6,000 per year under PM-KISAN (central scheme), bringing total annual support to Rs. 19,500
TN Kalaignar Magalir Urimai Thogai Scheme
Women aged 21+ who are heads of households in Tamil Nadu with ration cards
- •Monthly financial assistance of Rs. 1,000 credited directly to the Aadhaar-linked bank account via DBT
- •Total annual financial benefit of Rs. 12,000 per household
Rajasthan Indira Gandhi Smartphone Yojana
Women heads of families in Rajasthan enrolled in the Chiranjeevi health insurance scheme
- •Free smartphone with 3 years of internet connectivity for eligible women and girl students
- •Digital literacy and empowerment to access government services, banking, and educational resources online
Bihar Mukhyamantri Kanya Utthan Yojana
Unmarried girl students who have completed graduation from a recognized Bihar university
- •Rs. 50,000 one-time scholarship upon completing graduation from a recognized university in Bihar
- •Additional financial support at earlier milestones: Rs. 2,000 at birth, Rs. 1,000 after first year vaccination, Rs. 2,000 on admission to Class 1, Rs. 2,000 on admission to Class 6, Rs. 3,000 on admission to Class 9, and Rs. 5,000 on passing Class 12
Jharkhand Mukhyamantri Maiya Samman Yojana
Women aged 18-50 residing in Jharkhand with a valid ration card
- •Monthly financial assistance of Rs. 2,500 deposited directly into the beneficiary's Aadhaar-linked bank account via DBT
- •Total annual financial benefit of Rs. 30,000 per eligible woman
Odisha KALIA Yojana (CM-KISAN)
Small and marginal farmers in Odisha owning up to 2 hectares
- •Small and marginal farmers: Rs. 4,000 per year in two installments of Rs. 2,000 (around Nuakhai and Akshaya Tritiya)
- •Landless agricultural households: Rs. 12,500 per year for allied livelihood activities (goat rearing, poultry, fishery, mushroom cultivation, bee-keeping)
Assam Orunodoi 3.0 Scheme
Women from economically weaker households in Assam with NFSA ration cards
- •Monthly financial assistance of Rs. 1,250 (base amount) deposited via DBT
- •Additional Rs. 250/month as LPG subsidy (effective January 2026), bringing total to Rs. 1,500/month for eligible families
UP Mukhyamantri Kanya Sumangala Yojana
Families in UP with girl children from birth through graduation
- •Total financial assistance of Rs. 25,000 provided across six stages: Rs. 5,000 at birth, Rs. 2,000 after first-year vaccination, Rs. 3,000 on Class 1 admission, Rs. 3,000 on Class 6 admission, Rs. 5,000 on Class 9 admission, Rs. 7,000 on graduation/diploma enrollment
- •Promotes girl child education, health, and delays early marriage
Telangana Rythu Bharosa Scheme
Land-owning farmers in Telangana with actively cultivated land
- •Rs. 12,000 per acre per year for actively cultivated land (Rs. 6,000 per acre for each of the two cropping seasons: Kharif and Rabi)
- •Amount directly transferred to the farmer's Aadhaar-linked bank account via DBT
Gujarat Namo Lakshmi Yojana
Girl students in Class 9-12 in Gujarat government or recognized schools
- •Total scholarship of Rs. 50,000 over four years (Class 9 to Class 12)
- •Class 9 and 10: Rs. 10,000 per year (Rs. 500/month for 10 months based on attendance + remaining after passing board exam)
Haryana Deen Dayal Lado Lakshmi Yojana
Women aged 23+ in Haryana with Family ID and low income
- •Monthly financial assistance of Rs. 2,100 deposited via DBT
- •A portion credited to savings bank account and another to a government-operated Recurring Deposit / Fixed Deposit
Chhattisgarh Mahtari Vandan Yojana
Married, widowed, or divorced women aged 21+ in Chhattisgarh
- •Monthly financial assistance of Rs. 1,000 deposited via DBT to the woman's Aadhaar-linked bank account
- •Total annual benefit of Rs. 12,000 per eligible woman