Fact-checked against official government sources

Every Central Government Scheme in India, explained simply

Eligibility, documents, benefits and step-by-step application for 5,198+ schemes across 19 categories. Free, and never affiliated with any government body.

Popular: PM Kisan · Ayushman Bharat · Mudra Loan · PM Awas

Government schemes in India cover almost every aspect of daily life: farming credit, health insurance, housing, education, business loans, LPG subsidies, crop insurance and more. Each scheme has its own eligibility rules, required documents, benefit amounts and application process.

Scheme Kosh gathers those details into one place. Every guide is fact-checked against official government sources, written by a named author and reviewed by a second person before publication. We never charge a fee, never process applications and never ask for Aadhaar, OTPs or payments.

Whether you are looking for a Central Government scheme like PM Kisan, Ayushman Bharat, Pradhan Mantri Awas Yojana or a state-specific programme, start by searching above or browsing by category below. Every guide covers eligibility criteria, required documents, benefit amounts and the application process, with direct links to the official government portal.

767+

Central schemes

5,198+

Total schemes

19

Categories

153+

Ministries covered

100%

Free to apply

Flagship schemes

The biggest, most-searched central schemes.

Agriculture Infrastructure Fund (AIF)

3% interest subvention on loans up to Rs 2 crore for 7 years, plus free credit guarantee cover

Amrit Bharat Station Scheme

Phased redevelopment of 1,340 railway stations with better buildings, waiting halls, foot overbridges, lifts, escalators and platform amenities

Atal Mission for Rejuvenation and Urban Transformation (AMRUT / AMRUT 2.0)

Universal household water tap connections in all statutory towns and sewerage/septage coverage in 500 cities

Atal Pension Yojana (APY)

Guaranteed monthly pension of Rs 1,000 to Rs 5,000 from age 60, continued to the spouse

Ayushman Bharat Digital Mission (ABDM)

Free 14-digit ABHA number and a digital health record locker for every citizen

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY)

Rs 5 lakh per family per year of cashless secondary and tertiary hospital care

Ayushman Vay Vandana Card (AB PM-JAY for Senior Citizens 70+)

Rs 5 lakh a year of free hospitalisation cover for citizens aged 70 and above

Beti Bachao Beti Padhao (BBBP)

District-level grants of Rs 20 lakh to Rs 40 lakh a year for advocacy, convergence and girl-child development activities

Biotechnology Ignition Grant (BIG)

Up to Rs 50 lakh grant-in-aid for 18 months to establish proof of concept for an early-stage biotechnology idea

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)

Collateral-free and third-party-guarantee-free credit with guarantee cover of 75 to 90 per cent of the amount in default

Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM)

Revolving fund of Rs 20,000-30,000 per SHG, CIF up to Rs 2.50 lakh, and interest subvention taking bank loans to 7%

Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM)

Concluded mission - interest subsidy on enterprise loans up to Rs 2 lakh individual and Rs 10 lakh group, skill training, shelters and street vendor support

Dharti Aaba Janjatiya Gram Utkarsh Abhiyan (DA-JGUA)

Village-level saturation of housing, roads, water, power, health, education and livelihood benefits through 25 convergent interventions

Eklavya Model Residential Schools (EMRS)

Free residential schooling from Class VI to XII for ST students, including boarding, lodging, uniforms and study material

Ex-Servicemen Contributory Health Scheme (ECHS)

Lifelong cashless medical cover with no monetary ceiling for the ex-serviceman, spouse and eligible dependents

Browse schemes by category

19 categories spanning every central ministry.

Business & Finance

Business, Startups & MSMESchemes for entrepreneurs, startups and micro, small and medium enterprises: registration, credit guarantees and subsidies.84 schemes Loans & Financial ServicesGovernment-backed loan schemes and financial inclusion programmes: collateral-free credit, guarantees and interest subvention.43 schemes Skills & EmploymentSkill development, apprenticeship and artisan support schemes.41 schemes

Agriculture

Agriculture & FarmersCentral government schemes for farmers: income support, crop insurance, credit, irrigation and farm mechanisation.65 schemes

Education & Research

Education & ScholarshipsScholarships, education loans and student support schemes from central ministries.196 schemes Science, Tech & ResearchResearch fellowships, innovation grants and technology development schemes.66 schemes

Welfare & Social Security

Senior Citizens & PensionsPension schemes, retirement savings and welfare programmes for senior citizens.14 schemes Women & Child DevelopmentMaternity benefits, girl-child savings schemes and women's empowerment programmes.22 schemes Health & WellnessHealth insurance, hospital care and public health schemes including Ayushman Bharat.31 schemes Social Welfare & EmpowermentWelfare schemes for SC/ST/OBC communities, persons with disabilities and other vulnerable groups.68 schemes Tribal WelfareSchemes for Scheduled Tribes: education, livelihoods and market support.11 schemes Defence & Ex-ServicemenPensions, resettlement and welfare schemes for ex-servicemen and their families.15 schemes

Housing & Infrastructure

Housing & Urban AffairsAffordable housing schemes for urban and rural India, including PMAY.21 schemes Rural Development & SanitationRural employment, drinking water and sanitation schemes: MGNREGA, Jal Jeevan Mission, Swachh Bharat.14 schemes Transport & InfrastructureNational infrastructure, roads and logistics programmes.19 schemes Energy & PowerCentral schemes for household energy: LPG connections, rooftop solar, free electricity and renewable energy support.7 schemes

Culture, Sport & Justice

Sports, Arts & CultureSchemes for athletes, artists and cultural workers: sports development, fellowships, pensions, scholarships and tourism.16 schemes Law, Justice & Public SafetyFree legal aid, justice access and public-safety schemes run by central ministries.2 schemes

Identity & Documents

Identity, Documents & CertificatesHow to apply for Aadhaar, PAN, passport, voter ID, ration card, caste, income, domicile and other government documents and certificates: eligibility, documents needed and step-by-step process.32 schemes

✅Which schemes am I eligible for?Pick your state, who you are and what you need, and get a shortlist of central and state schemes to check.

💰Looking for a subsidy scheme?Housing, solar, LPG, agriculture, education loan and MSME subsidies from every category and every state, in one list.

Browse schemes by state

State government schemes, with the same eligibility, documents and how-to-apply detail.

GujaratGujarat state government schemes: scholarships, farmer support, women and child welfare, housing and business schemes, with eligibility, documents and how to apply.551 schemes UttarakhandUttarakhand state government schemes: pensions, scholarships, farmer and self-employment schemes, with eligibility, documents and how to apply.337 schemes PuducherryPuducherry union territory government schemes, with eligibility, documents and how to apply.286 schemes Madhya PradeshMadhya Pradesh state government schemes: Ladli Behna, Samagra pension, scholarships and farmer welfare schemes, with eligibility, documents and how to apply.262 schemes GoaGoa state government schemes: welfare, scholarship, housing and livelihood schemes, with eligibility, documents and how to apply.253 schemes Tamil NaduTamil Nadu state government schemes: welfare boards, scholarships, farmer and women's schemes, with eligibility, documents and how to apply.245 schemes HaryanaHaryana state government schemes: SARAL portal schemes, family welfare, MSME and scholarship schemes, with eligibility, documents and how to apply.206 schemes Uttar PradeshUttar Pradesh state government schemes: Nivesh Mitra, scholarship and welfare schemes, with eligibility, documents and how to apply.144 schemes RajasthanRajasthan state government schemes: Chiranjeevi, Jan Aadhaar and welfare schemes from the Jan Soochna Portal, with eligibility, documents and how to apply.132 schemes JharkhandJharkhand state government schemes: JharSewa, scholarship and farmer welfare schemes, with eligibility, documents and how to apply.125 schemes West BengalWest Bengal state government schemes: Kanyashree, Rupashree and welfare schemes, with eligibility, documents and how to apply.112 schemes MaharashtraMaharashtra state government schemes: Ladki Bahin, Ramai Awas, Shravanbal pension, scholarships and welfare schemes, with eligibility, documents and how to apply.110 schemes KeralaKerala state government schemes: e-Grantz scholarships, pensions and welfare schemes, with eligibility, documents and how to apply.110 schemes OdishaOdisha state government schemes: welfare, scholarship and farmer support schemes, with eligibility, documents and how to apply.107 schemes AssamAssam state government schemes: Sewa Setu, scholarship and welfare schemes, with eligibility, documents and how to apply.107 schemes ChhattisgarhChhattisgarh state government schemes: Mahtari Vandan, Sewa Setu and welfare schemes, with eligibility, documents and how to apply.105 schemes MeghalayaMeghalaya state government schemes: scholarships, pensions and livelihood schemes, with eligibility, documents and how to apply.105 schemes Himachal PradeshHimachal Pradesh state government schemes: pensions, scholarships and welfare schemes, with eligibility, documents and how to apply.97 schemes DelhiDelhi (NCT) government schemes: pensions, scholarships and welfare schemes, with eligibility, documents and how to apply.96 schemes BiharBihar state government schemes: e-Kalyan, 7 Nishchay and Mukhyamantri Udyami schemes, with eligibility, documents and how to apply.94 schemes KarnatakaKarnataka state government schemes: Seva Sindhu, scholarship and welfare schemes, with eligibility, documents and how to apply.92 schemes Jammu and KashmirJammu and Kashmir union territory government schemes, with eligibility, documents and how to apply.88 schemes TripuraTripura state government schemes, with eligibility, documents and how to apply.70 schemes Andhra PradeshAndhra Pradesh state government schemes: Navasakam, welfare and scholarship schemes, with eligibility, documents and how to apply.69 schemes PunjabPunjab state government schemes: pensions, scholarships and welfare schemes, with eligibility, documents and how to apply.62 schemes Arunachal PradeshArunachal Pradesh state government schemes, with eligibility, documents and how to apply.60 schemes MizoramMizoram state government schemes, with eligibility, documents and how to apply.50 schemes ManipurManipur state government schemes, with eligibility, documents and how to apply.49 schemes SikkimSikkim state government schemes, with eligibility, documents and how to apply.48 schemes TelanganaTelangana state government schemes, with eligibility, documents and how to apply.48 schemes ChandigarhChandigarh union territory government schemes, with eligibility, documents and how to apply.46 schemes Dadra and Nagar Haveli and Daman and DiuDadra and Nagar Haveli and Daman and Diu union territory government schemes, with eligibility, documents and how to apply.43 schemes Andaman and Nicobar IslandsAndaman and Nicobar Islands union territory government schemes, with eligibility, documents and how to apply.40 schemes NagalandNagaland state government schemes, with eligibility, documents and how to apply.28 schemes LadakhLadakh union territory government schemes, with eligibility, documents and how to apply.28 schemes LakshadweepLakshadweep union territory government schemes, with eligibility, documents and how to apply.26 schemes

How it works

1

Find your scheme

Search by scheme name or browse by category: farming, health insurance, education, housing, business loans and more. Use the search bar above to find PM Kisan, Ayushman Bharat, Mudra loan, PM Awas or any other Central or State scheme.

2

Check eligibility & documents

Each guide lays out who can apply, who is excluded, the exact documents needed (Aadhaar card, PAN card, income certificate, bank account details), and the benefit amount or subsidy available.

3

Apply on the official portal

Follow the step-by-step process and apply directly on the government's own official portal. It is always free, with no middleman fees, no Aadhaar OTP requests and no payment required.

Why you can trust these guides

Verified against official sourcesEvery benefit amount, eligibility rule and deadline is traced to a government source, with the official portal linked on each guide.
Written and independently reviewedEach guide is written by a named author and checked by a separate reviewer, with the last fact-checked date shown.
Plain English, no jargonComplex scheme rules turned into clear steps anyone can follow.
We never charge a rupeeWe are an independent portal, not a government body, agent or middleman. We never ask for money, Aadhaar or OTPs.

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