Government benefits and schemes play a crucial role in improving the overall welfare of society by providing financial support, healthcare, education, and social security. They help bridge the economic gap by offering targeted assistance to vulnerable sections, such as low-income families, farmers, and small businesses. Schemes aimed at healthcare, like subsidized medical care or insurance, ensure that people have access to essential services.
Educational programs promote skill development and uplift the standard of living. Additionally, they boost employment opportunities through subsidies, infrastructure development, and start-up incentives, fostering economic growth and stability. These initiatives create a safety net, ensuring more equitable access to resources and promoting social inclusion.
This is a resource centre where information about the schemes will continue to be added
1. Pradhan Mantri Jan Dhan Yojana (PMJDY)
Who Can Apply:
Anyone in India aged 10 years and above who does not have a bank account.
How to Apply & Avail:
Approach any bank branch with Know Your Customer (KYC) documents (proof of identity and address). Zero balance account can be opened under this scheme.
Benefits:
Overdraft facilities, RuPay debit card, and accident insurance up to Rs. 1 lakh.
Website:
2. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
Who Can Apply:
Individuals aged 18-50 with a bank account.
How to Apply & Avail:
Enroll at any participating bank or through net banking. Premium of Rs. 330 per annum is auto-debited from your bank account.
Benefits:
Rs. 2 lakh life insurance cover in case of death.
Website:
3. Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Who Can Apply:
Individuals aged 18-70 with a bank account.
How to Apply & Avail:
Enroll at any participating bank or through net banking. Premium of Rs. 12 per annum is auto-debited from your bank account.
Benefits:
Accidental death and disability cover up to Rs. 2 lakh.
Website:
4. Atal Pension Yojana (APY)
Who Can Apply:
Citizens aged 18-40, especially for individuals in the unorganized sector.
How to Apply & Avail:
Visit any bank with a savings account, provide your Aadhaar and mobile number. Choose your contribution and pension plan.
Benefits:
Fixed monthly pension of Rs. 1,000 to Rs. 5,000 after retirement depending on contributions.
Website:
https://www.npscra.nsdl.co.in/scheme-details.php
5. Ayushman Bharat (Pradhan Mantri Jan Arogya Yojana)
Who Can Apply:
Families listed in the Socio-Economic Caste Census (SECC) database, covering economically weaker sections.
How to Apply & Avail:
Automatically enrolled if your family is in the SECC database. Visit any empaneled hospital with your Ayushman Bharat card or Aadhaar.
Benefits:
Health coverage of Rs. 5 lakh per family per year for secondary and tertiary care hospitalization.
Website:
6. Pradhan Mantri Matru Vandana Yojana (PMMVY)
Who Can Apply:
Pregnant and lactating mothers for their first living child.
How to Apply & Avail:
Apply through your local Anganwadi center or health department with ID proof, pregnancy certificate, and bank details.
Benefits:
Financial aid of Rs. 5,000 in three installments.
Website:
7. Rashtriya Swasthya Bima Yojana (RSBY)
Who Can Apply:
BPL families, unorganized workers, and other eligible groups identified by state governments.
How to Apply & Avail:
Enroll through your nearest Common Service Center (CSC). Visit any empaneled hospital with your smart card for treatment.
Benefits:
Hospitalization coverage of up to Rs. 30,000 per family.
Website:
8. Pradhan Mantri Awas Yojana (PMAY)
Who Can Apply:
Economically Weaker Sections (EWS), Lower Income Groups (LIG), and Middle Income Groups (MIG).
How to Apply & Avail:
Apply online at the PMAY portal or through a CSC. Submit proof of identity, income, and Aadhaar card.
Benefits:
Subsidized loans and grants for housing construction or renovation.
Website:
9. Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM)
Who Can Apply:
Urban poor (street vendors, homeless, unemployed youth, etc.).
How to Apply & Avail:
Apply through your local municipal body or urban local body office. Submit identity proof, Aadhaar, and income details.
Benefits:
Livelihood support through skill training, self-employment, and shelter facilities.
Website:
Please share these benefits with those who could be in need of these schemes