1. PM Kisan Samman Nidhi (PM-KISAN)

PM-Kisan is an income support programme intended to assist eligible farming families. Under this initiative, financial assistance is provided in installments during the year to help farmers manage agricultural expenses such as seeds, fertilizers, irrigation, and other farming activities. The objective is to improve farm productivity and reduce financial pressure on small agricultural households.

Main Benefits

• Direct financial support.
• Money transferred through Direct Benefit Transfer.
• Helps farmers meet cultivation expenses.
• Supports rural income.

Who Can Apply?

• Indian farmer families that own cultivable agricultural land.
• The land ownership details should be available in official land records.
• The applicant must complete Aadhaar verification and other required formalities as prescribed.
• The bank account should be linked correctly for Direct Benefit Transfer (DBT).

Who Is Not Eligible?

• Institutional landholders.
• Current or former holders of constitutional posts.
• Current or former Ministers, Members of Parliament, Members of State Legislatures, Mayors, or District Panchayat Chairpersons.
• Serving or retired officers and employees of Central or State Government departments, PSUs, autonomous bodies, and local bodies (except eligible lower-category staff as per scheme rules).
• Pensioners receiving a monthly pension of ₹10,000 or more (subject to scheme exceptions).
• Individuals who paid income tax in the latest applicable assessment year.
• Professionals such as doctors, engineers, lawyers, chartered accountants, and architects who are actively practicing.
• Any other category declared ineligible under the latest PM-KISAN guidelines.

2. Ayushman Bharat - PM Jan Arogya Yojana

Ayushman Bharat focuses on improving access to healthcare for eligible families. The scheme supports cashless treatment at empanelled hospitals for several medical procedures, reducing the financial burden of hospitalization. It also encourages preventive healthcare and strengthens public health services.

Main Benefits

• Cashless hospital treatment.
• Coverage for many medical procedures.
• Reduced healthcare expenses.
• Access to quality healthcare facilities.

Who Can Apply?

• Families identified under the Socio-Economic Caste Census (SECC) database as eligible.
• Rural households meeting one or more approved deprivation conditions.
• Urban households belonging to eligible occupational categories specified by the scheme.
• ASHA Workers, Anganwadi Workers, and Anganwadi Helpers covered under notified government provisions.
• Senior citizens aged 70 years or above are eligible under the nationwide expansion, irrespective of income.

3. Pradhan Mantri Awas Yojana (PMAY)

PMAY aims to promote affordable housing by supporting eligible beneficiaries in constructing or purchasing homes. The scheme encourages safe and durable housing while improving living standards for economically weaker households. Different components are available for urban and rural areas.

Main Benefits

• Affordable housing support.
• Interest subsidy in eligible cases.
• Improved living conditions.
• Support for first-time home ownership.

Basic Eligibility

• The applicant's family should not own a permanent (pucca) house anywhere in India.
• The family should not have received assistance under any Central, State, or local government housing scheme during the previous 20 years.
• The applicant should belong to one of the eligible income categories specified under the scheme.
• The property should be located in an area covered under the applicable PMAY guidelines.
• Applicants must provide valid identity, address, and income documents during verification.

Annual Household Income Categories

4. PM Mudra Yojana

PM Mudra Yojana promotes entrepreneurship by supporting micro and small business activities. The scheme helps eligible individuals obtain loans for business expansion, equipment purchase, working capital, or starting new enterprises. It encourages self-employment and local economic growth.

Main Benefits

• Business loan assistance.
• Encourages entrepreneurship.
• Supports small enterprises.
• Employment generation.

Who Can Apply?

• Indian citizens planning to start or expand a micro or small business.
• Individuals involved in manufacturing, trading, service businesses, or eligible allied agricultural activities.
• Small shop owners, artisans, vendors, repair shops, transport operators, food businesses, beauty salons, and similar enterprises.
• Existing businesses requiring working capital or funds for business growth.
• Self-employed professionals and eligible micro-enterprises meeting lender requirements.

Basic Eligibility Requirements

• Applicant must have a genuine business purpose.
• The business should fall within eligible sectors under PMMY.
• The applicant should satisfy the lending institution's credit assessment and documentation requirements.
• Valid identity and address proof must be available.
• Business-related documents may be requested depending on the loan amount and business type.

Loan Categories

Common Documents

• Aadhaar Card or other valid identity proof
• PAN Card (where applicable)
• Address proof
• Passport-size photographs
• Business plan or loan application details
• Business registration or licence (if applicable)
• Bank account details and other documents requested by the lender

5. Sukanya Samriddhi Yojana

This savings scheme encourages long-term financial planning for the education and future needs of girl children. Parents or legal guardians can open an account for eligible girls and make regular deposits over the specified period. The scheme promotes financial discipline and savings.

Main Benefits

• Long-term savings.
• Supports education planning.
• Financial security for girls.
• Encourages family savings.

Who Can Open an SSY Account?

• The account can be opened only in the name of a girl child.
• The girl should be below 10 years of age on the date the account is opened.
• The account must be opened by a parent or legal guardian until the child becomes eligible to operate it herself under the scheme rules.
• Only one Sukanya Samriddhi Account is allowed for each eligible girl child.
• A family can normally open accounts for up to two girl children.
• Special provisions may allow additional accounts in situations such as the birth or adoption of multiple girl children (for example, twins or triplets), subject to applicable government rules.
• The beneficiary should meet the residency conditions specified under the scheme at the time of opening the account.

Important Points

• The girl's birth certificate is generally required to verify age.
• The guardian must complete the required KYC documentation while opening the account.
• The account can be opened through authorised banks and India Post branches offering the scheme.
• Eligibility should be confirmed before submitting the application to avoid delays.

For more information - Visit nearest bank

6. Atal Pension Yojana

Atal Pension Yojana is designed to encourage retirement savings among eligible subscribers. Regular contributions during working years help participants receive a defined pension after reaching the specified retirement age, subject to scheme conditions.

Main Benefits

• Regular retirement income.
• Encourages financial planning.
• Long-term pension support.
• Useful for workers in the unorganized sector.

Who Cannot Open a New APY Account?

• Individuals below 18 years or above 40 years of age.
• Persons who are income-tax payers at the time of applying are not eligible to open a new APY account.
• A person can have only one APY account.

Eligibility Summary

For more information - Visit nearest bank

7. PM Jeevan Jyoti Bima Yojana

This life insurance programme provides financial protection to eligible subscribers by offering insurance coverage during the policy period. It aims to support families in case of the insured person's death, subject to policy conditions.

Main Benefits

• Life insurance coverage.
• Affordable annual premium.
• Financial support for families.
• Simple enrollment process.

The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a government-supported annual life insurance scheme designed to provide affordable financial protection to eligible bank account holders.

• Age Requirement: Applicants should be between 18 and 50 years of age at the time of enrolment.
• Bank or Post Office Account: The applicant must have an active savings account with a participating bank or post office.
• Single Enrollment: If an individual has multiple savings accounts, enrollment is allowed through only one account.
• Auto-Debit Consent: The applicant must authorize automatic deduction of the yearly premium from the selected account.
• KYC Compliance: The bank account should meet the required Know Your Customer (KYC) norms as prescribed by the participating institution.
• Annual Renewal: The insurance cover is renewed every year, subject to successful premium payment and continued eligibility.

For more information - Visit nearest bank

8. PM Suraksha Bima Yojana

PM Suraksha Bima Yojana provides accident insurance coverage to eligible subscribers. The scheme helps reduce the financial impact of accidental death or disability by offering insurance benefits according to policy terms.

Main Benefits

• Accident insurance.
• Affordable premium.
• Financial protection.
• Easy renewal process.

Who Can Apply?

• Applicants must be between 18 and 70 years of age.
• A valid savings bank account or post office savings account is required.
• The applicant must provide consent for automatic annual premium deduction (auto-debit) from the linked account.
• If an individual has multiple eligible accounts, enrollment is allowed through only one account.
• The account should remain active with sufficient balance for premium deduction.
• Applicants must complete the enrollment process according to the participating bank or post office guidelines.

Eligibility Summary

For more information - Visit nearest bank