A Quick Reference Guide to India’s Major Government Schemes
1. Social Welfare and Security
Pradhan Mantri Jan Dhan Yojana (PMJDY): Provides access to financial services like savings accounts, credit, insurance, and pensions for the underprivileged.
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY): Offers free health insurance coverage up to ₹5 lakh per family per year for secondary and tertiary care hospitalization.
Pradhan Mantri Shram Yogi Maandhan (PM-SYM): A pension scheme for unorganized sector workers offering ₹3,000 monthly pension after the age of 60.
2. Housing and Urban Development
Pradhan Mantri Awas Yojana (PMAY): Aims to provide affordable housing for all, with a focus on urban and rural areas.
Smart Cities Mission: Enhances urban living standards through infrastructure development, technology integration, and environmental sustainability.
3. Agriculture and Rural Development
Pradhan Mantri Kisan Samman Nidhi (PM-KISAN): Provides ₹6,000 annually to small and marginal farmers to support their agricultural needs.
Pradhan Mantri Fasal Bima Yojana (PMFBY): Offers crop insurance to farmers to protect against losses due to natural calamities.
Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY): Provides skill development training to rural youth to boost employability.
4. Women Empowerment
Beti Bachao Beti Padhao: Promotes awareness and education for the girl child to curb declining sex ratios and empower women.
Pradhan Mantri Matru Vandana Yojana (PMMVY): Offers financial support to pregnant and lactating women for their health and well-being.
5. Employment and Skill Development
Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA): Provides guaranteed employment of at least 100 days a year to rural households.
Pradhan Mantri Kaushal Vikas Yojana (PMKVY): Offers skill training to youth in various trades to enhance their employability.
6. Digital and Financial Inclusion
Digital India Mission: Aims to transform India into a digitally empowered society by improving online infrastructure and increasing internet connectivity.
Stand Up India Scheme: Promotes entrepreneurship among women and SC/ST communities by offering loans for starting businesses.
7. Education and Scholarships
Mid-Day Meal Scheme: Provides free meals to children in government schools to improve nutritional standards and encourage attendance.
National Means-cum-Merit Scholarship Scheme (NMMSS): Supports meritorious students from economically weaker sections with scholarships to pursue higher education.