Government schemes

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.

A zero-balance bank account for people who do not have one, with a free RuPay debit card carrying accident insurance cover and an overdraft facility of up to Rs 10,000 for eligible account holders.

Potential benefit ₹10,000 – ₹2,00,000

Life cover of Rs 2 lakh for death from any cause, for Rs 436 a year auto-debited from your bank account.

Potential benefit Up to ₹2,00,000 sum assured

Direct income support of Rs 6,000 a year, paid in three instalments to farming families who own cultivable land.

Potential benefit Up to ₹6,000 per year

Maternity cash benefit for pregnant and breastfeeding mothers: Rs 5,000 for the first child, and Rs 6,000 if the second child is a girl.

Potential benefit ₹5,000 – ₹6,000 one time, per eligible child

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.

Collateral-free business loans up to Rs 20 lakh for small non-farm enterprises, through banks and other lenders.

Potential benefit ₹50,000 – ₹20,00,000 loan amount

A voluntary pension scheme for unorganised workers earning up to Rs 15,000 a month: joining between age 18 and 40 and contributing monthly leads to a pension of Rs 3,000 a month from age 60.

Potential benefit Up to ₹3,000 per month

Accident cover of up to Rs 2 lakh for accidental death or permanent disability, for Rs 20 a year.

Potential benefit ₹1,00,000 – ₹2,00,000 sum assured

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

Cash help for Scheduled Caste students in Classes IX and X, and for children of families doing hazardous cleaning work in Classes I to X, so that they do not drop out of school.

Potential benefit ₹3,500 – ₹8,000 per year

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

A 12-month paid internship in a large company for people aged 21 to 24 who are not in a job or full-time study, paying Rs 5,000 a month plus a one-time grant of Rs 6,000.

Potential benefit Up to ₹5,000 per month

Government funding routed through incubators for early-stage startups: up to Rs 20 lakh as a grant to build and test a prototype, and up to Rs 50 lakh as debt for market entry and scaling.

Potential benefit ₹20,00,000 – ₹50,00,000 one time

A high-interest, tax-favoured savings account a parent opens for a girl child under ten, maturing after twenty-one years.

Potential benefit ₹250 – ₹1,50,000 deposit per financial year

The rural employment guarantee law that replaced MGNREGA from 1 July 2026. It guarantees 125 days of paid unskilled manual work in a financial year to every rural household that asks for it.