1. PM Viksit Bharat Rozgar Yojana (PM-VBRY)
Benefits
Incentives for employers to create new jobs.
Financial support for newly employed people.
Focus on expanding long-term, formal employment.
Eligibility
Indian citizens who secure new formal employment from August 2026.
Employers must register and follow reporting norms under the scheme.
How to Apply
Employees — No direct application needed. You become eligible once hired in a job covered by the scheme.
Employers — Register on the official portal when available, upload employee details, and submit job creation evidence.
Follow instructions from the Ministry of Labour & Employment portal.
2. PM Dhan-Dhaanya Krishi Yojana
Overview
Benefits
Encourages sustainable farming and modern techniques.
Support for crop diversification.
Better storage and irrigation infrastructure.
Easier access to agricultural credit.
Eligibility
Active farmers in targeted districts.
Those who are part of cooperative societies or agricultural collectives are encouraged to register.
How to Apply
Contact agriculture extension offices or local Panchayat offices.
Register on the Krishi portals designated by your state government.
Submit required documents like land ownership proof, Aadhaar, and bank details.
3. Prime Minister Internship Scheme (PMIS)
Overview
Benefits
Paid internships (with a monthly allowance).
Exposure to practical work in top companies.
Builds employability skills and industry insights.
Eligibility
Indian citizens aged 21–24 years.
Completed minimum Class 12 or higher.
Applicants should not be employed full-time.
Minimum income criteria are applied to family income.
How to Apply
Visit the official PMIS portal: pm internship.mca.gov.in.
Create your profile and upload documents (education certificates, photo ID, income proof).
Select internship preferences and wait for company offers.
4. National Scholarship Portal (NSP 2025–26)
Overview
Benefits
Scholarships can cover tuition fees, maintenance allowance and more.
Support for marginalised and economically weaker sections.
Multiple schemes under one portal.
Eligibility
Varies by scholarship category — general, OBC, SC/ST, minority, girls, etc.
Students must meet the academic and income criteria mentioned in the individual scheme details.
How to Apply
Visit the NSP portal (scholarships.gov.in).
Register with basic details.
Choose eligible scholarships and upload the required documents.
Submit before the last date.
5. Atal Pension Yojana (APY)
Overview
Benefits
Guaranteed monthly pension after age 60.
Range from ₹1,000 to ₹5,000 depending on contributions.
The government ensures a minimum pension even if investment returns fall short.
Eligibility
Age between 18 and 40 years.
Bank account linked with Aadhaar.
Monthly contributions based on the chosen pension amount.
How to Apply
Visit your bank branch that offers APY.
Fill the APY form and provide Aadhaar and bank details.
Choose pension amount and complete e-mandate setup.
6. Pradhan Mantri Gramin Awas Yojana (PMAY-G)
Overview
Benefits
Free or subsidised houses for eligible rural families.
Focus on quality construction with basic amenities.
Extending targets up to 2028–29.
Eligibility
Families identified under socio-economic surveys.
No pucca house earlier.
Priority to SC/ST, women, disabled and vulnerable households.
How to Apply
Visit your Gram Panchayat office.
Provide Aadhaar, income proof, and land details.
Application is processed through the Awaass,+ App.
7. Ayushman Silver Card Scheme (2025)
Overview
Benefits
Free hospitalisation and treatment up to ₹5 lakh.
Special focus on age-related health needs.
Designed for citizens aged 60 and above.
Eligibility
Indian citizens aged 60+.
Social security number and Aadhaar required.
Income criteria may apply for additional benefits.
How to Apply
Visit the Ayushman Bharat official website or Common Service Centres.
Provide Aadhaar and senior citizen proof.
Submit health profiles if needed, and upload documents.
8. National Pension Plus (Senior) Scheme
Overview
Benefits
Increased pension payout (around 15% hike).
Arrears for past eligible periods.
Financial stability post-retirement.
Eligibility
All pensioners under the central/state governments.
Retirees from organised sectors.
How to Apply
Apply through Pension Sanction Offices.
Submit pension documents and Aadhaar.
Follow instructions from the respective pension department.
9. Senior Suraksha Life Insurance Plan
Overview
Benefits
₹2 lakh life cover plus ₹1 lakh accidental benefit.
Affordable premiums for elderly applicants.
Eligibility
Senior citizens aged 60–80 years.
Good health condition or medical certificates as required.
How to Apply
Visit the life insurance portals authorised under the scheme.
Fill in details and complete medical checks if needed.
Finalise premium payments.
10. Vridh Awas Support Mission
Overview
Benefits
Subsidy up to ₹1.5 lakh on house construction/purchase.
Special assistance for income-eligible seniors.
Eligibility
Citizens aged 60+
Annual income below ₹6 lakh.
How to Apply
Apply via state housing boards or local welfare offices.
Provide income certificates and Aadhaar.
Bonus Schemes Worth Knowing
Even beyond these major schemes, there are several ongoing or recently updated schemes that you should check out:
PM Mudra Yojana – Loans for small businesses with flexible interest
Credit Guarantee Funds (CGTMSE & CGSS) – Collateral-free backing for startups and MSMEs.
PMEGP – Subsidised loans for entrepreneurs.
e-Shram Card Benefits – Social security and monthly support for unorganised workers.
Odisha’s Subhadra Yojana – Financial support for women in Odisha.
How to Find & Apply for Government Schemes (Smart Tips)
Visit Official Portals: Always use verified government sites like scholarships.gov.in, myScheme.gov.in, pmayg.nic.in etc.
Prepare Documents: Keep Aadhaar, bank passbook, income proof, and educational certificates ready.
Check Deadlines: Many schemes have fixed application windows.
Use CSCs: Common Service Centres help apply offline if you’re not confident online.