Central & State Schemes
Government Schemes 2026 — Full Eligibility & Benefits Guide
Plain-English summaries of 10 most-searched Indian government schemes. Every entry has eligibility, current benefit amount, how to apply, and the official portal link. Verified against PIB releases & ministry pages.
PM Vishwakarma Yojana
Ministry of Skill Development & Entrepreneurship
Collateral-free loan up to ₹3,00,000 at 5% interest (Phase-1: ₹1L, Phase-2: ₹2L) + ₹15,000 toolkit incentive + 5-7 day basic + 15-day advanced skill training with ₹500/day stipend + recognition certificate + Digital ID card.
PM Surya Ghar: Muft Bijli Yojana
Ministry of New & Renewable Energy
Subsidy of ₹30,000 for 1 kW, ₹60,000 for 2 kW, ₹78,000 for 3+ kW systems (max). Collateral-free 7% interest loan for remaining cost. Net-metering — sell excess back to DISCOM.
Mukhyamantri Ladli Behna Yojana
Government of Madhya Pradesh (state scheme)
₹1,250 per month direct benefit transfer (DBT) to bank account linked with Aadhaar. Total ₹15,000 per year. Karnataka, Maharashtra, Delhi launched similar parallel schemes.
PMAY 2.0 (Pradhan Mantri Awas Yojana — Urban 2.0)
Ministry of Housing & Urban Affairs
Central assistance ₹2.50 lakh for BLC + ₹2.25 lakh for AHP. ISS provides interest subsidy of 4% on loans up to ₹25 lakh (₹35 lakh in metros) for 12 years.
Atal Pension Yojana (APY)
Ministry of Finance (administered by PFRDA)
Guaranteed monthly pension of ₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000 from age 60 onwards (you choose). Equal pension to spouse on subscriber's death. Return of corpus to nominee on both deaths.
PM Kisan Samman Nidhi Yojana
Ministry of Agriculture & Farmers Welfare
₹6,000 per year in 3 equal instalments of ₹2,000 every 4 months (Apr-Jul, Aug-Nov, Dec-Mar) directly to Aadhaar-linked bank account. 19th instalment is due February 2026.
Ayushman Bharat — PMJAY
National Health Authority, Ministry of Health & Family Welfare
₹5 lakh/year cashless treatment at 27,000+ empanelled hospitals (public + private). Covers 1,949 medical procedures including cancer, cardiac, ortho, neuro. No premium paid by beneficiary. Pre + 3 days admission + 15 days post-hospitalisation expenses covered.
PMKVY 4.0 — Pradhan Mantri Kaushal Vikas Yojana
Ministry of Skill Development & Entrepreneurship
FREE training of 200-600 hours + skill certificate + ₹1,500-2,500 monetary reward on completion + employment / apprenticeship linkage. Industry 4.0 modules now included.
PM SVANidhi (Street Vendor's AatmaNirbhar Nidhi)
Ministry of Housing & Urban Affairs
1st loan ₹10,000 (1 year). On timely repayment, 2nd loan ₹20,000 (18 months). On timely repayment, 3rd loan ₹50,000 (3 years). Interest subsidy of 7% directly credited to bank. Cashback ₹100/month for digital transactions (UPI).
National Pension System (NPS)
Ministry of Finance (regulated by PFRDA)
Build retirement corpus with min contribution ₹500/installment (Tier-I), ₹250/installment (Tier-II). Tax deduction up to ₹2 lakh combined under Section 80C + 80CCD(1B). On retirement, withdraw 60% lump-sum tax-free + 40% as annuity for monthly pension. Govt employees additionally get 14% employer contribution.
Disclaimer
hireds.in is not affiliated with any government department. Scheme details are summarised from official sources for educational use. Always confirm latest eligibility and benefit amount on the official portal before applying.