A Comprehensive List of Government Schemes in India

3. Government Schemes for Healthcare in India:

"Health is Wealth". And our Indian Government knows it very well. Considering the health of India's citizens, the Central Government and all the State Governments have introduced several healthcare schemes in India. These government schemes in India, in one way or another, aim to offer the best health services to the citizens and financially guide them to ensure that all of them get them without any discrimination. There is a list of Government schemes for healthcare that you can be part of:

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

• Launched: September 23, 2018.

• Announced by: Prime Minster, Narendra Modi.

• Aims: ABY aims to provide free access to health insurance coverage for low-income earners in India.

• Eligibility: The individual part of the family that comes under the Socio-Economic Cast Census(SECC) are eligible to receive the free health insurance coverage under the ABY scheme.

Rashtriya Swasthya Bima Yojana(RSBY)

• Launched: April 1, 2008.

• Announced by: Ministry of Labour and Employment.

• Aims: The RSBY scheme aims to provide health insurance coverage for Below-Poverty Line(BPL) families.

• Eligibility: Individuals coming under BPL category and is an unorganized sector workers are eligible for receiving the insurance coverage under the RSBY scheme.

Pradhan Mantri Suraksha Bima Yojana(PMSBY)

• Launched: June 1, 2015.

• Announced by: Prime Minister, Narendra Modi.

• Aims: The PMSBY scheme aims to provide disability and accidental death insurance coverage for people coming under the age group of 18-70 years.

• Eligibility: Age group of 1-70 year old people having savings bank account are eligible for receiving the insurance coverage under PMSBY.

Aam Aadmi Bima Yojana(AABY)

• Launched: October 2, 2007.

• Announced by: Sonia Gandhi.

• Aims: AABY aims to provide the individual working in an unorganized sector with affordable life insurance.

• Eligibility: Individual within the age group of 18-59 year old working in an unorganized sector are eligible for receiving the affordable insurance coverage under the AABY scheme.

Janani Shishu Suraksha Karyakram(JSSK)

• Launched: June 1, 2011.

• Announced by: Ministry of Health and Family Welfare.

• Aims: The JSSK scheme aims to eliminate out-of-pocket expenses for pregnant women delivering in public health facilities.

• Eligibility: It is simple and straight-forward - any pregnant women admitted to the any Government hospital will receive will receive the cashless childbirth and new-born care under the JSSK scheme.

Janani Suraksha Yojana(JSY)

• Launched: April 12, 2005.

• Announced by: Ministry of Health & Family Welfare(Collabe with White Ribbon Alliance of India)

• Aims: JSY aims to promote institutional deliveries among pregnant women, especially those from underprivileged backgrounds.

• Eligibility: Pregnant women below the poverty line (BPL) are eligible for cash assistance during institutional deliveries under the JSY scheme.

Mission Indradhanush

• Launched: 25 December, 2014.

• Announced by: Union Health Minister J. P. Nadda.

• Aims: Mission Indradhanush aims to achieve high immunization coverage for children and pregnant women in India.

• Eligibility: Children under 2 year age and pregnant women in India are eligible to receive this free immunization under the scheme.

Pradhan Mantri Bhartiya Janaushadhi Pariyojana(PMBJP)

• Launched: November 2008.

• Announced by: Prime Minister, Narendra Modi

• Aims: This Government Scheme in India aims at offering quality medicines at affordable pricing and engaging individual entrepreneurs in opening of PMBJP Kendra.

• Eligibility: Individuals rather than a doctor or any registered medical practitioners, who have B. Pharma and D. Pharma Degrees are eligible to open Pradhan Mantri Bhartiya Janaushadhi Kendra under the PMBJP scheme.

4. Government Schemes for Housing in India:

Several government initiatives have been put forward by the several ministries of India to promote housing and real estate in India. These housing schemes in India ensure that the citizens of India, without any sort of discrimination, will be able to achieve the dream of owning a home or a venture of their own.

Here, have a look at the list of several government schemes for housing and real estate in India:

Pradhan Mantri Awas Yojana(PMAY)

• Launched: June 25, 2015.

• Announced By: Prime Minster Narendra Modi.

• Aims: The PMAY scheme aims to provide affordable house to the the lower income in both urban and rural area.

Eligibility:

• Income:

• • Economically Weaker Section (EWS): Up to Rs. 3 lakh per year

• • Lower Income Group (LIG): Rs. 3 lakh to Rs. 6 lakh per year (variations based on location possible)

• • Middle Income Group (MIG) - I: Rs. 6 lakh to Rs. 12 lakh per year

• • Middle Income Group (MIG) - II: Rs. 12 lakh to Rs. 18 lakh per year

• Property Ownership: Neither the applicant nor any family member should own a pucca house (permanent house) anywhere in India.

National Housing Bank(NHB) Refinance Scheme

• Launched: April 12, 2021.

• Announced by: The Reserve Bank of India(RBI).

• Aims: The scheme aims to improve liquidity in the housing finance system by providing banks with funds to refinance existing housing loans.

• Eligibility: The project must be under a joint venture or PPP model and must be done by a private developer or any public agency.

Pradhan Mantri SVANidhi (PM SVANidhi) Scheme

• Launched: June 1, 2020.

• Announced by: The Ministry of Housing and Urban Affairs.

• Aims: Under this government scheme in India, the street vendors will be provided with affordable loan.

• Eligibility: An vendors in India who possess the valid identification card issued by Urban Local Bodies(ULB) or the certificate of Vending are eligible for the scheme.

Other housing and real estate schemes in India(States-wise):

• Haryana Housing Board Housing Scheme

• Kerala Housing Board Housing Scheme

• Telangana Housing Board

• Maharashtra Housing and Area Development Authority Scheme

• Delhi Development Authority Housing Scheme

• NTR Urban Housing Scheme

• Tamil Nadu Housing Board Scheme

• Karnataka Housing Board Scheme

5. Government Schemes for Women Empowerment and Entrepreneurship in India:

We already have a diverse list of successful women entrepreneurs in India. With a goal of adding more to that list, the Government of India has taken the initiative to offer needy and passionate women a platform or a guiding hand to make their dreams come true.

The below list of Government schemes in India focuses on encouraging the women of India to come into the spotlight and empower and educate them to be part of different sectors in India:

Stand Up India Scheme

• Launched: April 5, 2016.

• Announced by: Prime Minister Narendra Modi

• Aims: Stand-Up India aims to give loans of ₹10 lakh to ₹1 crore to SC/ST & women entrepreneurs for new businesses per bank branch.

• Eligibility: Any above 18 year old women entrepreneurs belonging to SC/ST cast with a small LLP or Partnership firm that has a annual turn over of Rs 25 Cr are eligible to receive the bank loan under the scheme.

Pradhan Mantri Mahila Samman Nidhi Yojana - Mahila Samman Savings Certificate (MSSC)

• Launched: April 1, 2023.

• Announced By: Nirmala Sitharaman.

• Aims: As per the scheme, the government encourages the women of India to become financially independent by saving money.

• Eligibility: Any woman who is an India citizen and is above 18 year old.

Pradhan Mantri Matritva Vandana Yojana (PMMVY)

• Launched: Launched in 2010 by the name "Indira Gandhi Matritva Sahyog Yojana" and renamed in 2017.

• Announced By: Ministry of Women and Child Development.

• Aims: The scheme aims at providing financial assistance to pregnant women and lactating mothers belonging to disadvantaged sections of society.

• Eligibility: A pregnant women belonging to a socially or economically disadvantaged background of above 19 year old having her first birth is eligible to receive the financial assistance under the PMMVY scheme.

Sukanya Samriddhi Yojana(SSY)

• Launched: January 2015.

• Announced By: Prime Minister Narendra Modi.

• Aims: This government scheme aims at encouraging parents or guardians to build a fund for their daughter's future education and marriage expenses.

• Eligibility: Any girl child of Indian origin and is above 10 years old are eligible for the scheme.

6. Government Schemes for Rural Development in India:

Several schemes are implemented by the government to improve and promote innovation in rural industries and generate infrastructural growth in rural areas of different states of India. These Government schemes in India for rural development empower the citizens and the local bodies to establish several innovations and unique ideas that will seed the rural growth of the region.

Pradhan Mantri Gram Sadak Yojana(PMGSY)

• Launched: December 25, 2000.

• Announced By: Atal Bihari Vajpayee.

• Aims: The scheme aims at connecting the all-weather roads to other rural habitats.

• Eligibility: Any plain area with a population size more than 500 are eligible to have the road accessibility.

Mahatma Gandhi National Rural Employment Guarantee Act(MGNREGA)

• Launched: February 2, 2006.

• Announced by: The Ministry Of Rural Development, Raghuvansh Prasad Singh.

• Aims: The act aims to reduce poverty by providing 100 days of guaranteed wage employment to rural household.

• Eligibility: Any Indian citizen who are seeking NREGA benefits.

Pradhan Mantri Ujjwala Yojana(PMUY)

• Launched: January 1, 2016.

• Announced by: Narendra Modi.

• Aims: The PMUY scheme aims to provide deposit-free LPG connection to women from poor households.

• Eligibility: Any women coming under BPL, having no other LPG connection under OMC.

Deen Dayal Upadhyaya Grameen Kaushalya Yojana(DDU-GKY)

• Launched: September 25, 2014.

• Announced By: Ministry of Rural Development.

• Aims: DDU-GKY aims at offering job to the poor and needy, there by diversifying their income.

• Eligibility: Any individual falling under the age group of 18-35 years from a rural poor family are eligible for the scheme.

7. Government Schemes for Power Sector:

With the goal of energy conservation, a diverse list of Government schemes in India has been specially dedicated to offering efficient electricity to different households and sectors across the country.

Come check out the list of government schemes for power sector:

Integrated Power Development Scheme(IPDS)

• Launched: December 3, 2014.

• Announced by: Ministry of Power.

• Aims: IPDS aims at improve India's power distribution network by strengthening sub-transmission and distribution systems, installing meters, and using IT for better management.

• Eligibility: To be eligible for the scheme, the distribution company has to score a minimum of 60% of mark and must clear a minimum bar to certain parameters.

Deendayal Upadhyay Gram Jyoti Yojana(DDUGJY)

• Launched: December 3, 2014.

• Announced By: Prime Minister Narendra Modi in November 2014.

• Aims: This Government scheme in India aims to provide electrification to all village.

• Eligibility: All the distribution company in India are eligible to get the financial assistance under the DDUGJY scheme.

Pradhan Mantri Sahaj Bijli Har Ghar Yojana(Saubhagya)

• Launched: September 25, 2017.

• Announced By: Prime Minister Narendra Modi.

• Aims: The scheme aims to achieve universal household electrification by providing electricity connections to all.

• Eligibility: All the Indian household is eligible to receive the electrification under the scheme.

Pradhan Mantri Urja Suraksha evam Utthaan Mahabhiyaan(PM-KUSUM)

• Launched: March 8, 2019.

• Announced By: Ministry of New and Renewable Energy.

• Aims: PM-KUSUM aims at provide efficient water and energy security to the farmers of India, their by enhancing their income and reducing environmental population.

Unnat Jyoti by Affordable LEDs for All(UJALA)

• Launched: January 5, 2015.

• Announced By: Prime Minister Narenda Modi.

• Aims: This government scheme aims at promoting energy efficiency and reduce electricity consumption by replacing incandescent bulbs with LED bulbs.

PM Surya Ghar Muft Bijli Yojana

• Launched: February 13, 2024.

• Approved By: Prime Minister Narenda Modi.

• Aims: This Government scheme aims at providing free electricity to households in India by implementing rooftop solar plants in each home.

• Eligibility: An Indian household with valid electricity connection having a suitable roof for installing solar panels are eligible for scheme.

8. Government Scheme for Social Welfare:

Pradhan Mantri Jan Dhan Yojana(PMJDY)

• Launched: August 28, 2014.

• Announced by: Prime Minister Narendra Modi

• Aims: This government scheme aim at empowering every Indian citizens with formal banking and financial security.

Swachh Bharat Abhiyan(SBA)

• Launched: October 2, 2014.

• Announced By: Prime Minister Narendra Modi.

• Aims: This government scheme aims at making India clean.

Atal Pension Yojana (APY)

• Launched: May 9, 2015.

• Announced By: Prime Minister Narendar Modi.

• Aims: This pension scheme in India that aims to provide a guaranteed minimum pension to citizens primarily working in the unorganized sector after they reach retirement age.

• Eligibility: Any Indian applicant that falls under the age group of 18-40 years and is not an income tax payer as of October 1st, 2022 are eligible to receive the guaranteed minimum pension under the scheme.

And that isn't it! The list of Government schemes in India is diverse. With new aims and goals, the Indian Government constantly tries to implement several schemes that come under different sectors and serve the economic and social welfare of the citizens.

All schemes of the Government of India are funded by the Central Government and some by the State government. These government schemes have commenced with the particular ministries of India.

The State and the Central Government make great efforts to implement these Government schemes across the country.

You can enroll in any of these government schemes in India, and be part of the Goverment's effort to enhance the social and economic growth of India.