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

Rs 50,000 a year for girl students studying a technical degree or diploma at an AICTE-approved college, when the family income is up to Rs 8 lakh a year.

Potential benefit Up to ₹50,000 per year

Rs 50,000 a year for students with 40 percent or more disability studying a technical degree or diploma at an AICTE-approved institution, when the family income is up to Rs 8 lakh a year.

Potential benefit Up to ₹50,000 per year

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

Free skill training linked to a job for poor rural youth aged 15 to 35, where at least 70 percent of those trained must be placed in work paying minimum wages or more.

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)

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

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

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

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

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

Rs 12,000 a year for four years to low-income students in Classes IX to XII at government and government-aided schools.

Potential benefit Up to ₹12,000 per year

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.