Top 25 Government Schemes in India (2025) – Transforming Lives
India’s government continuously rolls out impactful welfare and development schemes, aiming to uplift every layer of society.
In this blog, you’ll discover the top 25 schemes that are shaping the nation — from empowering rural farmers to enhancing job opportunities.
Moreover, each section is enriched with essential details like when the scheme began, who’s eligible, and what benefits are offered.
We also included a handy link to get started with your favourite scheme.
Top 25 Government Schemes in India (2025)
1. Pradhan Mantri Jan Dhan Yojana (PM-JDY)
- When Started: August 28, 2014
- Eligibility: Any Indian citizen who doesn’t already have a bank account.
- Benefits: Zero-balance account, overdraft, Rupay debit card, insurance cover.
- How to Apply: Visit your nearest bank branch or official PMJDY website and submit KYC documents.
- Keyword: PM‑JDY account benefits
- Link: Learn more
2. Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY)
- When Started: 2018 (umbrella scheme under Ayushman Bharat)
- Eligibility: Families listed in the SECC database.
- Benefits: ₨5 lakh annual healthcare cover per family for secondary and tertiary hospitalization.
- How to Apply: Self-enroll via the PMJAY website or visit empaneled hospitals with your SECC number.
- Keyword: PMJAY health cover
- Link: Learn more
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3. Pradhan Mantri Kisan Samman Nidhi (PM-Kisan)
- When Started: Launched earlier, with large disbursement in 2025
- Eligibility: Landholding farmer families with valid land records.
- Benefits: Direct income support of ₹6,000/year in three installments.
- How to Apply: Register via the state agriculture portal with Aadhaar and land record details.
- Keyword: PM‑Kisan installments
- Link: Learn more
4. Pradhan Mantri Fasal Bima Yojana (PMFBY)
- When Started: February 18, 2016
- Eligibility: Farmers growing notified crops with KCC or voluntary participants.
- Benefits: Crop insurance with reduced premiums, early claim settlement.
- How to Apply: Through designated insurance companies or state agriculture departments.
- Keyword: PMFBY crop insurance
- Link: Learn more
5. Pradhan Mantri Gram Sadak Yojana (PMGSY)
- When Started: December 25, 2000
- Eligibility: Rural habitations not yet connected by all-weather roads.
- Benefits: Improved road connectivity, better access to markets, healthcare, schools.
- How to Apply: Not directly applicable; eligibility determined by rural departments.
- Keyword: PMGSY rural roads
- Link: Learn more
6. Atal Pension Yojana (APY)
- When Started: May 1, 2015
- Eligibility: Indian citizens aged 18–40, preferably in the unorganized sector.
- Benefits: Guaranteed pension of ₹1,000–₹5,000/month upon turning 60, plus tax deductions.
- How to Apply: Through participating banks or via the APY portal with auto-debit.
- Keyword: Atal Pension monthly benefit
- Link: Learn more
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7. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
- When Started: May 2015
- Eligibility: Indian citizens aged 18–50 with bank accounts and auto-debit consent.
- Benefits: ₹2 lakh life insurance cover at a premium of ₹436/year.
- How to Apply: Opt-in through your bank account’s auto-debit option.
- Keyword: PMJJBY life cover
- Link: Learn more
8. Pradhan Mantri Suraksha Bima Yojana (PMSBY)
- When Started: May 2015
- Eligibility: Indian residents aged 18–70 with bank accounts and auto-debit.
- Benefits: Accident insurance, ₹2 lakh death/disability, at ₹20/year premium.
- How to Apply: Enroll via bank auto-debit facility.
- Keyword: PMSBY accident cover
- Link: Learn more
9. Pradhan Mantri MUDRA Yojana (PMMY)
- When Started: April 8, 2015
- Eligibility: Micro-enterprises, entrepreneurs, and small businesses.
- Benefits: Collateral-free loans up to ₹10 lakh in categories Shishu, Kishore, and Tarun.
- How to Apply: Approach a MUDRA-linked bank, microfinance institution, or NBFC.
- Keyword: MUDRA loan Shishu
- Link: Learn more
10. Stand-Up India Scheme
- When Started: April 5, 2016
- Eligibility: SC/ST and women entrepreneurs above 18 years starting a new enterprise.
- Benefits: Loans from ₹10 lakh to ₹1 crore for setting up greenfield enterprises.
- How to Apply: Apply via Stand-Up Mitra Portal or at participating banks.
- Keyword: Stand-Up India loan
- Link: Learn more
11. Startup India
- When Started: January 16, 2016
- Eligibility: Businesses recognized as startups by DPIIT (turnover < ₹100 crore, <10 years old).
- Benefits: Tax exemptions, easier compliance, funding support, incubation, networking.
- How to Apply: Register at Startup India Hub
- Keyword: Startup India benefits
- Link: Learn more
12. Digital India Mission
- When Started: July 1, 2015
- Eligibility: Open to all citizens; focuses on digital infrastructure and services.
- Benefits: Broadband access, e-governance, digital payments, and internet in rural areas.
- How to Apply: Citizens benefit automatically; businesses can register under programs.
- Keyword: Digital India initiative
- Link: Learn more
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13. Make in India
- When Started: September 25, 2014
- Eligibility: Domestic and foreign manufacturers investing in India.
- Benefits: FDI inflows, job creation, sector-specific incentives.
- How to Apply: Companies register via DPIIT or industry portals.
- Keyword: Make in India program
- Link: Learn more
14. Skill India Mission (PMKVY)
- When Started: July 15, 2015
- Eligibility: Youth aged 18–35 seeking skill training.
- Benefits: Free vocational training, certification, and employment support.
- How to Apply: Apply via Skill India Portal.
- Keyword: Skill India courses
- Link: Learn more
15. Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKAY)
- When Started: September 2014
- Eligibility: Rural youth aged 15–35 from poor families.
- Benefits: Free skill training, placement guarantee.
- How to Apply: Apply via DDU-GKAY training centers or state portals.
- Keyword: DDUGKY rural jobs
- Link: Learn more
16. Pradhan Mantri Viksit Bharat Rozgar Yojana (PM-VBRY)
- When Started: Union Budget 2025
- Eligibility: Youth seeking employment, companies hiring freshers.
- Benefits: Government subsidy for new job creation, apprenticeship support.
- How to Apply: Applications open through Labour Ministry Portal.
- Keyword: PM-VBRY jobs
- Link: Learn more
17. National Rural Health Mission (NRHM)
- When Started: 2005 (part of NHM umbrella)
- Eligibility: Rural population.
- Benefits: Better healthcare infrastructure, ASHA workers, and free medicines.
- How to Apply: Benefits are available via local health centers.
- Keyword: NRHM healthcare
- Link: Learn more
18. Swachh Bharat Mission (SBM)
- When Started: October 2, 2014
- Eligibility: All citizens, with a special focus on rural households.
- Benefits: Toilet construction assistance, cleanliness drives, sanitation awareness.
- How to Apply: Apply via SBM Portal.
- Keyword: Swachh Bharat toilets
- Link: Learn more
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19. Smart Cities Mission
- When Started: June 25, 2015
- Eligibility: Selected cities nominated by state governments.
- Benefits: Urban renewal, smart infrastructure, better housing.
- How to Apply: Not direct; citizens benefit via municipal projects.
- Keyword: Smart City India
- Link: Learn more
20. Pradhan Mantri Awas Yojana (PMAY)
- When Started: June 25, 2015
- Eligibility: EWS, LIG, and MIG households without pucca houses.
- Benefits: Subsidy on home loans under the Credit Linked Subsidy Scheme (CLSS).
- How to Apply: Apply online at PMAY Portal.
- Keyword: PMAY housing subsidy
- Link: Learn more
21. Beti Bachao Beti Padhao (BBBP)
- When Started: January 22, 2015
- Eligibility: Nationwide, with a focus on districts with a low child sex ratio.
- Benefits: Awareness, scholarships, and girl child education incentives.
- How to Apply: Apply via district welfare offices.
- Keyword: Beti Bachao scheme
- Link: Learn more
22. Ujjwala Yojana (PMUY)
- When Started: May 1, 2016
- Eligibility: BPL women, SC/ST households.
- Benefits: Free LPG connection and subsidy.
- How to Apply: Apply via gas agency or PMUY website.
- Keyword: PM Ujjwala LPG
- Link: Learn more
23. Ayushman Bharat Digital Mission (ABDM)
- When Started: September 27, 2021
- Eligibility: All Indian citizens.
- Benefits: Digital health ID, centralized medical records, telemedicine.
- How to Apply: Register at ABDM Portal.
- Keyword: ABDM health ID
- Link: Learn more
24. PM Vishwakarma Yojana
- When Started: 2023, upgraded to Vishwakarma 2.0 in 2025
- Eligibility: Artisans, craftsmen, and traditional workers.
- Benefits: Skill training, tool kits, financial support, market linkages.
- How to Apply: Register via Vishwakarma Portal.
- Keyword: PM Vishwakarma tools
- Link: Learn more
25. Green India Digital Mission
- When Started: 2025 (as part of Digital India 2.0)
- Eligibility: Open to citizens, businesses, and NGOs supporting sustainability.
- Benefits: Digital monitoring of afforestation, carbon credits, and green jobs.
- How to Apply: Apply via Environment Ministry Portal.
- Keyword: Green India jobs
- Link: Learn more
✨ Conclusion
Consequently, these 25 Government Schemes in India (2025) are not just policies—they are life-changing opportunities.
These programs range from banking the unbanked and empowering women to providing health coverage, ensuring food security, and boosting entrepreneurship.
They also focus on protecting the environment, collectively contributing to a self-reliant and inclusive India.
Therefore, if you are eligible for any of these schemes, don’t miss out—take action today using the links above.
All in all, a better tomorrow starts with awareness and participation!
Frequently Asked Questions
What is the new scheme for farmers in 2025?
In July 2025, the Cabinet approved the Prime Minister Dhan-Dhaanya Krishi Yojana (PMDDKY), a convergence program across 100 agriculture districts to accelerate farm growth. For direct support continuing in 2025, see PM-KISAN (regular installments) and KCC interest subvention for short-term crop loans.
Which is the best government scheme in India?
It depends on your need:Ayushman Bharat (PM-JAY) for health up to ₹5 lakh; PMJDY for zero-balance banking & DBT; SSY and MSSC for women/girl-child savings; PMMY/CGTMSE for MSME loans; PMAY for affordable housing; PMKSY & Atal Bhujal for water/irrigation; PMMSY for fisheries growth.
Who is the Government of India in 2025?
In 2025, India is governed by the National Democratic Alliance (NDA), with Prime Minister Narendra Modi leading the third Modi ministry (formed June 9, 2024).
Which government scheme gives ₹1,000 per month?
There’s no universal central ₹1,000-per-month scheme for all citizens. However, some states run such benefits for eligible women—e.g., Tamil Nadu’s Kalaignar Magalir Urimai Thogai offers ₹1,000/month to qualified women heads of households. Check state portals for eligibility and documents.
