Government schemes

Bank loans for building farm infrastructure such as warehouses, cold stores and processing units, with 3% interest subvention on up to Rs 2 crore per project and credit guarantee cover.

Potential benefit Up to ₹2,00,00,000 loan amount eligible for interest subvention, per project per location

Monthly maintenance money, a book allowance, a disability allowance and fee reimbursement for students with 40 percent or more disability, from Class IX right up to a Master's degree.

Potential benefit Up to ₹1,40,000 per year

A home loan interest subsidy of up to Rs 1.80 lakh for economically weaker, low and middle income households in cities buying or building a house worth up to Rs 35 lakh.

Potential benefit Up to ₹1,80,000 one time, released in 5 yearly instalments

A bank credit card for farmers giving short-term crop loans at a concessional interest rate, with an interest subvention that can bring the effective rate down to 4% a year on prompt repayment.

Potential benefit Up to ₹5,00,000 loan limit covered by interest subvention

Subsidises up to 80% of the cost of Zero Defect Zero Effect quality certification for micro, small and medium enterprises, plus a one-time Rs 10,000 reward for taking the ZED Pledge.

Central assistance of 80% of the cost of an agricultural drone, up to Rs 8 lakh, for women's Self Help Groups so they can rent out drone spraying services to farmers.

Potential benefit Up to ₹8,00,000 one time, per Self Help Group

A 50% capital subsidy for setting up livestock businesses - up to Rs 50 lakh for sheep and goat units, Rs 30 lakh for piggery, Rs 25 lakh for rural poultry and Rs 50 lakh for feed and fodder units.

Potential benefit ₹10,00,000 – ₹50,00,000 one time capital subsidy

Financial assistance to install drip and sprinkler irrigation: 55% of cost for small and marginal farmers and 45% for other farmers, to save water and raise yields.

Reduces the price of new electric two-wheelers and three-wheelers through a government demand incentive applied at the dealer, and funds electric buses, ambulances, trucks and charging stations.

Collateral-free working capital loans for street vendors, starting at up to Rs 15,000 and rising to Rs 50,000 on timely repayment, with an interest subsidy and cashback for digital payments.

Potential benefit ₹15,000 – ₹50,000 per loan tranche

Central subsidy of up to Rs 78,000 for households installing rooftop solar on their own home.

Potential benefit ₹30,000 – ₹78,000 one-time

Recognition, skill training with a daily stipend, a Rs 15,000 toolkit voucher and cheap collateral-free loans for traditional artisans.

Potential benefit ₹15,000 – ₹3,00,000 package

Grant assistance for rural families without a permanent house to build a basic pucca home.

Potential benefit ₹1,20,000 – ₹1,30,000 per house

Urban housing help through a construction grant, a home loan interest subsidy or affordable rental housing.

Potential benefit ₹1,50,000 – ₹2,50,000 per house

Crop insurance for farmers. Farmers pay a small share of the premium (2% for kharif, 1.5% for rabi, 5% for commercial and horticultural crops) and the governments pay the rest.

Support for fishers, fish farmers and fish workers to set up or expand fisheries activities, with 40% of project cost for general category and 60% for SC, ST and women beneficiaries.

A deposit-free LPG gas connection for women from poor households, together with a free first refill and a free gas stove.

Potential benefit ₹1,300 – ₹2,050 one time

Collateral-free, guarantor-free education loans for students admitted to 860 top institutions, plus 3 percent interest help on loans up to Rs 10 lakh for families earning up to Rs 8 lakh a year.

Pays first-time EPFO-registered employees one month's EPF wage up to Rs 15,000 in two instalments, and pays employers up to Rs 3,000 a month for each additional employee hired and retained.

Potential benefit ₹1,000 – ₹15,000

Bank loan plus a government subsidy of 15 to 35 per cent to help you set up a new micro enterprise.