Government schemes

A guaranteed monthly pension of Rs 1,000 to Rs 5,000 from age sixty, funded by small contributions from your bank account.

Potential benefit ₹1,000 – ₹5,000 per month from age 60

Cashless hospital treatment worth up to Rs 5 lakh a year per family at empanelled public and private hospitals.

Potential benefit Up to ₹5,00,000 per family per year

A distinct health card under AB PM-JAY for every senior citizen aged 70 and above, with no income limit, giving access to cashless hospital treatment at empanelled hospitals.

Potential benefit Up to ₹5,00,000 per family per year

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

Monthly pension from the Central Government for people aged 18 and above with severe or multiple disabilities, from families below the poverty line. States add their own top-up.

Potential benefit ₹300 – ₹500 per month (central share only)

Monthly old age pension from the Central Government for people aged 60 and above from families below the poverty line. Most states add their own top-up on top of this.

Potential benefit ₹200 – ₹500 per month (central share only)

Monthly pension from the Central Government for widows aged 40 and above from families below the poverty line. States usually add their own top-up on top of this amount.

Potential benefit ₹300 – ₹500 per month (central share only)

Cash help for poor pregnant women who deliver their baby in a government or accredited private health centre, paid under the National Health Mission.

Potential benefit ₹600 – ₹1,400 one time, per delivery

One-time payment of Rs 20,000 to a below-poverty-line household when the main earning member dies between the ages of 18 and 59.

Potential benefit Up to ₹20,000 one time

Day-care creche facilities for children aged 6 months to 6 years, with nutrition, health check-ups and pre-school activity, open to all mothers whether or not they are employed.

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

Scholarships and hostel support for OBC, EBC and De-notified Tribe students whose family income is up to Rs 2.5 lakh a year, covering school from Class IX and college afterwards.

Potential benefit ₹4,000 – ₹1,25,000 per year

Covers course fees and an academic allowance for Scheduled Caste students studying beyond Class X in India.

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

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

A voluntary pension scheme for small and marginal farmers aged 18 to 40. Members contribute Rs 55 to Rs 200 a month, the government matches it, and a pension of Rs 3,000 a month starts at age 60.

Potential benefit Up to ₹3,000 per month

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

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