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.

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