Scheme Kosh
Fact-checked against official government sources

Every Central Government Scheme in India, explained simply

Eligibility, documents, benefits and step-by-step application — for 726+ schemes across 18 categories. Free, and never affiliated with any government body.

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

726+
Scheme guides
18
Categories
125+
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

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Amrit Bharat Station Scheme

Phased redevelopment of 1,337 railway stations with better buildings, waiting halls, foot overbridges, lifts, escalators and platform amenities

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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

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Atal Pension Yojana (APY)

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

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Ayushman Bharat Digital Mission (ABDM)

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

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

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

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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

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Beti Bachao Beti Padhao (BBBP)

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

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Browse schemes by category

18 categories spanning every central ministry.

Business & Finance

Business, Startups & MSMESchemes for entrepreneurs, startups and micro, small and medium enterprises — registration, credit guarantees and subsidies.75 schemesLoans & Financial ServicesGovernment-backed loan schemes and financial inclusion programmes — collateral-free credit, guarantees and interest subvention.41 schemesSkills & EmploymentSkill development, apprenticeship and artisan support schemes.40 schemes

Agriculture

Agriculture & FarmersCentral government schemes for farmers — income support, crop insurance, credit, irrigation and farm mechanisation.59 schemes

Education & Research

Education & ScholarshipsScholarships, education loans and student support schemes from central ministries.205 schemesScience, Tech & ResearchResearch fellowships, innovation grants and technology development schemes.64 schemes

Welfare & Social Security

Senior Citizens & PensionsPension schemes, retirement savings and welfare programmes for senior citizens.14 schemesWomen & Child DevelopmentMaternity benefits, girl-child savings schemes and women's empowerment programmes.22 schemesHealth & WellnessHealth insurance, hospital care and public health schemes including Ayushman Bharat.31 schemesSocial Welfare & EmpowermentWelfare schemes for SC/ST/OBC communities, persons with disabilities and other vulnerable groups.69 schemesTribal WelfareSchemes for Scheduled Tribes — education, livelihoods and market support.11 schemesDefence & Ex-ServicemenPensions, resettlement and welfare schemes for ex-servicemen and their families.16 schemes

Housing & Infrastructure

Housing & Urban AffairsAffordable housing schemes for urban and rural India, including PMAY.21 schemesRural Development & SanitationRural employment, drinking water and sanitation schemes — MGNREGA, Jal Jeevan Mission, Swachh Bharat.13 schemesTransport & InfrastructureNational infrastructure, roads and logistics programmes.19 schemesEnergy & PowerCentral schemes for household energy — LPG connections, rooftop solar, free electricity and renewable energy support.8 schemes

Culture, Sport & Justice

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

How it works

1

Find your scheme

Search by name or browse by category — farming, health, education, business and more.

2

Check eligibility & documents

Each guide lays out who can apply, exclusions, the exact documents, and the benefit amount.

3

Apply on the official portal

Follow the step-by-step process and apply directly on the government's own portal — always free.

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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