Government Schemes in India – A Complete Guide to All Yojanas (2025)

          India, being one of the world’s largest democracies, has consistently aimed to uplift its citizens through various government schemes or “yojanas.” These programs are launched by both the central and State Governments to improve living conditions, ensure economic growth, reduce poverty, provide health and education facilities, and empower all sections of society. In this guide, we’ve listed all the major government schemes currently active in 2025, with short descriptions to help you understand their purpose, benefits, and how to apply.

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📌 Why Are Government Schemes Important?

Government schemes aim to provide financial help, social justice, and inclusive development. Their benefits extend to:

  • Farmers

  • Women

  • Students

  • Senior citizens

  • Entrepreneurs

  • Unemployed youth

  • Poor and underprivileged communities

Understanding these schemes can help you or your family gain access to various benefits such as financial aid, health insurance, subsidies, and educational support.

🧑‍🌾 Government Schemes for Farmers

1. Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)

A financial support scheme for small and marginal farmers.

  • 💰 Benefit: ₹6,000/year in 3 installments

  • 🧑‍🌾 Target: Landholding farmers

  • 🌐 Website: pmkisan.gov.in

2. Pradhan Mantri Fasal Bima Yojana (PMFBY)

Insurance scheme for crop protection.

  • 🌾 Coverage: Natural calamities, pests, and diseases

  • 💸 Premium: 2% (Kharif), 1.5% (Rabi), 5% (Horticulture)

3. Kisan Credit Card (KCC)

  • 💳 Provides timely credit support for agricultural expenses

  • 🔁 Flexible repayment options and low interest rates

4. PM Krishi Sinchai Yojana (PMKSY)

  • 💧 Aim: Expand irrigation coverage

  • 🚜 Encourages water-use efficiency and micro-irrigation

👩 Government Schemes for Women Empowerment

1. Beti Bachao, Beti Padhao

  • 👧 Objective: Prevent female foeticide, promote education

  • 📢 Focus Areas: Awareness, safety, and education of girls

2. Mahila Samman Savings Certificate (2023–2025)

  • 💸 Fixed deposit for women and girls

  • 🧍 Interest Rate: 7.5% per annum, 2-year term

3. Pradhan Mantri Matru Vandana Yojana (PMMVY)

  • 🤰 ₹5,000 financial assistance for pregnant and lactating women

  • 📋 Eligibility: First childbirth in family

4. Working Women Hostel Scheme

  • 🏠 Safe accommodation for working women in cities

  • 🧒 Includes daycare facilities for children

5. Ujjwala Yojana

  • 🔥 LPG connections for women in BPL households

  • 🌿 Promotes clean fuel and reduces indoor air pollution

🎓 Government Schemes for Education and Students

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1. National Scholarship Portal (NSP)

  • 🎓 Centralized platform for multiple government scholarships

  • 💻 Online applications for school and college students

2. PM YASASVI Scheme

  • 🧑‍🎓 Scholarships for OBC, EBC, and DNT students

  • 📚 Covers Class 9 to Post-Graduation

3. Mid-Day Meal Scheme

  • 🥣 Free meals to government school children

  • 🎯 Objective: Boost school attendance and nutrition

4. Samagra Shiksha Abhiyan

  • 🏫 Holistic approach to school education (pre-primary to Class 12)

  • 📊 Focus on infrastructure, learning outcomes, and inclusive education

💼 Government Schemes for Employment and Skills

Government Schemes for Employment and Skills

1. Pradhan Mantri Kaushal Vikas Yojana (PMKVY)

  • 🛠️ Free skill training in industry-relevant jobs

  • 🎯 Focus: Youth aged 15–45

2. Atmanirbhar Bharat Rojgar Yojana

  • 💼 Encourages employers to hire new workers by providing EPF subsidies

3. MUDRA Loan Scheme

  • 🏦 Loans up to ₹10 lakh for small businesses

  • 🔢 Categories: Shishu (up to ₹50K), Kishor (₹50K–₹5L), Tarun (₹5L–₹10L)

4. Stand-Up India

  • 🧑‍💼 Loan support for SC/ST and women entrepreneurs

5. Start-Up India

  • 🚀 Encourages innovation and startup growth

  • 📋 Includes tax exemptions and funding support

🏥 Health & Social Welfare Schemes

Health & Social Welfare Schemes

1. Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)

  • 🏥 Free treatment up to ₹5 lakh/year per family

  • 📍 Applicable in both public and empaneled private hospitals

2. Rashtriya Swasthya Bima Yojana (RSBY)

  • 🧾 Health insurance for BPL families

  • 🧒 Covers hospitalization expenses

3. National Digital Health Mission (NDHM)

  • 💻 Digital health IDs and medical records for citizens

4. Janani Suraksha Yojana (JSY)

  • 🍼 Financial aid for institutional childbirth

  • 🧑‍⚕️ Aim: Reduce maternal and infant mortality

Housing and Urban Development Schemes🏠 Housing and Urban Development Schemes

 

1. Pradhan Mantri Awas Yojana (PMAY)

  • 🏡 Affordable housing for all by 2025

  • 🧾 Subsidy on home loans up to ₹2.67 lakh

2. Smart Cities Mission

  • 🌆 100+ cities being developed with modern infrastructure and digital tech

3. AMRUT (Atal Mission for Rejuvenation and Urban Transformation)

  • 💧 Ensures water supply, sewerage, and sanitation

Digital India and Infrastructure Schemes🌐 Digital India and Infrastructure Schemes

1. Digital India Mission

  • 📲 Transform India into a digitally empowered society

  • 💻 Focus on e-governance and broadband access

2. BharatNet Project

  • 🌍 High-speed internet for 2.5 lakh gram panchayats

3. Make in India

  • 🏭 Boosts domestic manufacturing and exports

  • 💼 Offers investment support and policy reforms

📝 How to Apply for Government Schemes?

Most schemes allow online registration via:

Documents Required:

  • Aadhaar Card

  • Bank Account

  • Income/Caste Certificate

  • Address Proof

  • Recent Photograph

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