# govtschemes.net - Central Government Schemes Information (English & Hindi) > Independent, bilingual (English + Hindi) factual portal covering 55 Indian central government schemes across 14 categories. > Facts strictly sourced from official portals (PIB, ministry websites, Lok Sabha questions, gazette notifications). > Last reviewed and fact-checked: 15 October 2026. ## Mission and Editorial Standards - Independent information website providing unedited, verified government scheme details. - Not a government portal; never requests fees, passwords, OTPs, or bank details. - Visible 'Last updated' dates, official source links, and clear flagging of closed or replaced schemes. ## Categories Covered 1. Agriculture and Farmers (/central/agriculture/ & /hi/central/agriculture/) 2. Health (/central/health/ & /hi/central/health/) 3. Housing (/central/housing/ & /hi/central/housing/) 4. Food and Ration (/central/food/ & /hi/central/food/) 5. Education and Scholarships (/central/education/ & /hi/central/education/) 6. Employment and Skilling (/central/employment/ & /hi/central/employment/) 7. Women and Child (/central/women-child/ & /hi/central/women-child/) 8. Savings and Banking (/central/finance/ & /hi/central/finance/) 9. Insurance (/central/insurance/ & /hi/central/insurance/) 10. Pension (/central/pension/ & /hi/central/pension/) 11. MSME, Business and Startup (/central/msme/ & /hi/central/msme/) 12. Energy (/central/energy/ & /hi/central/energy/) 13. Rural Development, Water and Sanitation (/central/rural/ & /hi/central/rural/) 14. Social Welfare (/central/social-welfare/ & /hi/central/social-welfare/) ## Key Schemes List (English & Hindi Twins) - **PM Kisan Yojana 2026: 24th Kist Date, Status Check, e-KYC** - English URL: https://govtschemes.net/central/agriculture/pm-kisan-samman-nidhi/ - Hindi URL: https://govtschemes.net/hi/central/agriculture/pm-kisan-samman-nidhi/ - Category: Agriculture and Farmers | Ministry: Ministry of Agriculture and Farmers Welfare - Status: Changed: Cabinet approved continuation for 2026-27 to 2030-31 (outlay Rs 3.15 lakh crore). 24th instalment date not announced as of 15 Oct 2026. - Key Fact: Direct income support for farmer families who own cultivable land. The money goes straight to your Aadhaar-seeded bank account. - **PM Fasal Bima Yojana 2026: Premium, Last Date, Claim Status** - English URL: https://govtschemes.net/central/agriculture/pm-fasal-bima-yojana/ - Hindi URL: https://govtschemes.net/hi/central/agriculture/pm-fasal-bima-yojana/ - Category: Agriculture and Farmers | Ministry: Ministry of Agriculture and Farmers Welfare - Status: Partly unverified: last Cabinet approval found covers up to 2025-26. The scheme is running in Kharif 2026 in 25 States/UTs with a 2026-27 budget, but a formal 2026-31 Cabinet extension note was not found. - Key Fact: Low-premium crop insurance. If your notified crop is damaged by drought, flood, pests, hailstorm or similar risks, you get a claim. - **Kisan Credit Card 2026: Rs 5 Lakh Limit, 4% Interest, How to Apply** - English URL: https://govtschemes.net/central/agriculture/kisan-credit-card/ - Hindi URL: https://govtschemes.net/hi/central/agriculture/kisan-credit-card/ - Category: Agriculture and Farmers | Ministry: Ministry of Agriculture and Farmers Welfare / Department of Financial Services, Ministry of Finance (with RBI and NABARD) - Status: Changed: KCC loan limit under MISS raised to Rs 5 lakh (Budget 2025-26). Interest subvention benefit in the RBI notice applies on the first Rs 3 lakh; verify the 2026-27 MISS notification with your bank. - Key Fact: A revolving crop loan account for farmers, fishers and animal-rearing farmers. You draw money when you need it for seeds, fertiliser, feed and other costs. - **PM Kisan Maandhan Yojana: Rs 3,000 Pension, Contribution Chart** - English URL: https://govtschemes.net/central/agriculture/pm-kisan-maandhan-yojana/ - Hindi URL: https://govtschemes.net/hi/central/agriculture/pm-kisan-maandhan-yojana/ - Category: Agriculture and Farmers | Ministry: Ministry of Agriculture and Farmers Welfare (run by LIC) - Status: No issues found. Facts checked 15 Oct 2026. - Key Fact: A voluntary pension plan for small farmers. You pay a small monthly amount and the government adds the same amount. From age 60 you get a monthly pension. - **PM Kusum Yojana 2026: Solar Pump Subsidy, Status, KUSUM 2.0** - English URL: https://govtschemes.net/central/agriculture/pm-kusum-solar-pump-yojana/ - Hindi URL: https://govtschemes.net/hi/central/agriculture/pm-kusum-solar-pump-yojana/ - Category: Agriculture and Farmers | Ministry: Ministry of New and Renewable Energy (MNRE) - Status: UNCERTAIN STATUS: Phase 1 ended 31 Mar 2026 except for legacy projects (Component B commissioning deadline 30 Sep 2026). PM-KUSUM 2.0 (about Rs 51,000 crore, agrivoltaics) is proposed but Cabinet approval not found as of 15 Oct 2026. Do not tell readers to apply for new pumps without checking the State nodal agency. - Key Fact: Support for farmers to install solar pumps and solarise grid-connected pumps, and to set up small solar plants on farm land. - **Agriculture Infrastructure Fund: 3% Interest Subvention, Apply** - English URL: https://govtschemes.net/central/agriculture/agriculture-infrastructure-fund/ - Hindi URL: https://govtschemes.net/hi/central/agriculture/agriculture-infrastructure-fund/ - Category: Agriculture and Farmers | Ministry: Ministry of Agriculture and Farmers Welfare - Status: UNCERTAIN: loan sanction window was to end FY 2025-26 and got an interim extension to 30 Sep 2026 (media report). Further extension under appraisal. Confirm on portal before publishing 'apply now'. - Key Fact: Cheaper loans for building farm-gate infrastructure like warehouses, cold storage, sorting units and primary processing. - **PM Dhan-Dhaanya Krishi Yojana: 100 Districts List, Benefits** - English URL: https://govtschemes.net/central/agriculture/pm-dhan-dhaanya-krishi-yojana/ - Hindi URL: https://govtschemes.net/hi/central/agriculture/pm-dhan-dhaanya-krishi-yojana/ - Category: Agriculture and Farmers | Ministry: Ministry of Agriculture and Farmers Welfare (with NITI Aayog and 11 ministries) - Status: New scheme (launched 11 Oct 2025). It is a district convergence programme, not an individual cash benefit. - Key Fact: A six-year push in 100 low-performing farm districts. It brings 36 existing schemes together to raise yields, irrigation, storage and credit. - **PM Matsya Sampada Yojana: 40% / 60% Subsidy, Latest Status** - English URL: https://govtschemes.net/central/agriculture/pm-matsya-sampada-yojana/ - Hindi URL: https://govtschemes.net/hi/central/agriculture/pm-matsya-sampada-yojana/ - Category: Agriculture and Farmers | Ministry: Department of Fisheries, Ministry of Fisheries, Animal Husbandry and Dairying - Status: UNCERTAIN STATUS: extended only up to 30 Sep 2026. Extension to 2030-31 under appraisal (not approved as of 15 Oct 2026). - Key Fact: Subsidy for fish farming, boats, cold chains, ponds, RAS and biofloc units, and welfare of fishers. - **Ayushman Card 2026: Eligibility, Download, Hospital List** - English URL: https://govtschemes.net/central/health/ayushman-bharat-pm-jay/ - Hindi URL: https://govtschemes.net/hi/central/health/ayushman-bharat-pm-jay/ - Category: Health | Ministry: Ministry of Health and Family Welfare (National Health Authority) - Status: No issues found. Facts checked 15 Oct 2026. - Key Fact: Free, cashless hospital treatment up to Rs 5 lakh per family per year at empanelled government and private hospitals. - **Ayushman Vay Vandana Card: 70+ Free Rs 5 Lakh Cover, Apply** - English URL: https://govtschemes.net/central/health/ayushman-vay-vandana-card/ - Hindi URL: https://govtschemes.net/hi/central/health/ayushman-vay-vandana-card/ - Category: Health | Ministry: Ministry of Health and Family Welfare (NHA) - Status: No issues found. Facts checked 15 Oct 2026. - Key Fact: Free hospital cover for every Indian aged 70 or more, with no income limit. - **ABHA Card: Create Online, Download, ABHA vs Ayushman Card** - English URL: https://govtschemes.net/central/health/abha-card-health-id/ - Hindi URL: https://govtschemes.net/hi/central/health/abha-card-health-id/ - Category: Health | Ministry: Ministry of Health and Family Welfare (National Health Authority) - Status: Helpline number taken from ABDM site historically; re-verify before publishing. - Key Fact: A free 14-digit health ID that links your health records like prescriptions and lab reports, with your consent. - **Jan Aushadhi Kendra: Cheap Medicines, Store Near Me, Open a Kendra** - English URL: https://govtschemes.net/central/health/pm-jan-aushadhi-kendra/ - Hindi URL: https://govtschemes.net/hi/central/health/pm-jan-aushadhi-kendra/ - Category: Health | Ministry: Department of Pharmaceuticals, Ministry of Chemicals and Fertilizers - Status: No issues found. Facts checked 15 Oct 2026. - Key Fact: Shops that sell quality generic medicines at much lower prices than branded ones. You can also apply to open a Kendra. - **PM Awas Yojana Gramin 2026: New List, Awaas Plus Survey, Status** - English URL: https://govtschemes.net/central/housing/pm-awas-yojana-gramin/ - Hindi URL: https://govtschemes.net/hi/central/housing/pm-awas-yojana-gramin/ - Category: Housing | Ministry: Ministry of Rural Development - Status: Changed: extended to March 2029 for 2 crore more houses; new Awaas+ 2024 survey app with face authentication. - Key Fact: Money to build a pucca house for rural families who are homeless or live in kutcha or broken houses. - **PMAY Urban 2.0: Rs 2.5 Lakh Help, Rs 1.8 Lakh Loan Subsidy, Apply** - English URL: https://govtschemes.net/central/housing/pm-awas-yojana-urban-2/ - Hindi URL: https://govtschemes.net/hi/central/housing/pm-awas-yojana-urban-2/ - Category: Housing | Ministry: Ministry of Housing and Urban Affairs - Status: Changed: PMAY-U (2015) replaced by PMAY-U 2.0 from 1 Sep 2024; old CLSS replaced by ISS. Helpline numbers carried from the old scheme; verify. - Key Fact: Help for urban families to build, buy or rent a pucca house, through four parts: BLC, AHP, ARH and the Interest Subsidy Scheme (ISS). - **Free Ration Yojana 2026: PMGKAY Till 2028, Ration Card, ONORC** - English URL: https://govtschemes.net/central/food/pm-garib-kalyan-anna-yojana-free-ration/ - Hindi URL: https://govtschemes.net/hi/central/food/pm-garib-kalyan-anna-yojana-free-ration/ - Category: Food and Ration | Ministry: Department of Food and Public Distribution, Ministry of Consumer Affairs, Food and Public Distribution - Status: Includes One Nation One Ration Card (ONORC) portability. State helpline numbers vary. - Key Fact: Free foodgrains every month to ration card holders under the National Food Security Act. You can take your ration from any ration shop in India. - **NSP Scholarship 2026-27: Last Date 31 Oct, OTR, Status Check** - English URL: https://govtschemes.net/central/education/national-scholarship-portal-nsp/ - Hindi URL: https://govtschemes.net/hi/central/education/national-scholarship-portal-nsp/ - Category: Education and Scholarships | Ministry: Ministry of Electronics and IT (portal) with scheme ministries (Education, Social Justice, Minority Affairs, Tribal Affairs and others) - Status: Dates for AY 2026-27 from NSP/PIB: student last date 31 Oct 2026 for most schemes; institute verification 15 Nov; L2 30 Nov. Scheme-wise dates can differ. - Key Fact: One website to apply for most central and many State scholarships, including pre-matric, post-matric, merit-cum-means and NMMSS. - **Post Matric Scholarship SC 2026-27: Rs 2.5 Lakh Limit, Apply** - English URL: https://govtschemes.net/central/education/post-matric-scholarship-sc/ - Hindi URL: https://govtschemes.net/hi/central/education/post-matric-scholarship-sc/ - Category: Education and Scholarships | Ministry: Ministry of Social Justice and Empowerment - Status: Many States run PMS-SC on their own portals; the NSP route applies to some States only. - Key Fact: Pays fees and a yearly allowance for SC students studying after Class 10, from Class 11 up to PhD. - **PM Yasasvi Scholarship 2026: OBC Post Matric, Eligibility, Apply** - English URL: https://govtschemes.net/central/education/pm-yasasvi-obc-scholarship/ - Hindi URL: https://govtschemes.net/hi/central/education/pm-yasasvi-obc-scholarship/ - Category: Education and Scholarships | Ministry: Ministry of Social Justice and Empowerment - Status: Whether the YASASVI Entrance Test (YET) is held for 2026-27 was not verified; top-class school scholarship selection rules may have changed. - Key Fact: An umbrella of scholarships for OBC, EBC and DNT students: pre-matric, post-matric, top class school and top class college. - **PM Vidyalaxmi Education Loan: No Collateral, 3% Interest Help** - English URL: https://govtschemes.net/central/education/pm-vidyalaxmi-education-loan/ - Hindi URL: https://govtschemes.net/hi/central/education/pm-vidyalaxmi-education-loan/ - Category: Education and Scholarships | Ministry: Department of Higher Education, Ministry of Education - Status: No issues found. Facts checked 15 Oct 2026. - Key Fact: Education loans without collateral or guarantor for students admitted to top higher education institutions, with interest help for lower-income families. - **PM Poshan (Mid Day Meal) 2026: Who Gets It, Menu Norms, Status** - English URL: https://govtschemes.net/central/education/pm-poshan-mid-day-meal/ - Hindi URL: https://govtschemes.net/hi/central/education/pm-poshan-mid-day-meal/ - Category: Education and Scholarships | Ministry: Ministry of Education - Status: UNCERTAIN STATUS: interim extension to 30 Sep 2026; 2026-31 Cabinet approval not found as of 15 Oct 2026. Meals continue in schools. March 2026 nutrition norm revision reported by a non-official site only; not verified. - Key Fact: One free hot cooked meal on school days for children in government and aided schools. - **PM Internship Scheme 2026: Rs 9,000 Stipend, Eligibility, Apply** - English URL: https://govtschemes.net/central/employment/pm-internship-scheme/ - Hindi URL: https://govtschemes.net/hi/central/employment/pm-internship-scheme/ - Category: Employment and Skilling | Ministry: Ministry of Corporate Affairs - Status: CHANGED and partly unverified: revised pilot guidelines (12 Mar 2026) reportedly raised the stipend to Rs 9,000/month (Rs 8,100 govt + Rs 900 company) and duration to 6 or 9 months. Confirmed in news and secondary sources; the guidelines PDF itself was not read. Still a pilot, not full rollout. Helpline unverified. - Key Fact: Paid internships in top companies for young people who are not in full-time study or jobs. - **PMKVY 4.0 2026: Free Skill Courses, Registration, Certificate** - English URL: https://govtschemes.net/central/employment/pm-kaushal-vikas-yojana-pmkvy-4/ - Hindi URL: https://govtschemes.net/hi/central/employment/pm-kaushal-vikas-yojana-pmkvy-4/ - Category: Employment and Skilling | Ministry: Ministry of Skill Development and Entrepreneurship - Status: Exact PMKVY 4.0 age band and post-March 2026 continuation not confirmed from guidelines. Helpline unverified. - Key Fact: Free short-term skill training and certification, including new-age courses like AI, drones and solar. - **PM Vishwakarma Yojana 2026: Rs 3 Lakh Loan at 5%, Rs 15,000 Toolkit** - English URL: https://govtschemes.net/central/employment/pm-vishwakarma-yojana/ - Hindi URL: https://govtschemes.net/hi/central/employment/pm-vishwakarma-yojana/ - Category: Employment and Skilling | Ministry: Ministry of Micro, Small and Medium Enterprises - Status: CHECK BEFORE PUBLISHING 'APPLY NOW': the official portal says the registration target of 30 lakh (set till 2028) was already achieved in September 2025. Whether new registrations are still open was not confirmed. Portal also shows 24.4 lakh trained, 18.6 lakh toolkits, 6.26 lakh loans sanctioned. - Key Fact: Support for traditional artisans and craftspeople in 18 trades: recognition, training, toolkit, cheap loans and marketing help. - **e-Shram Card 2026: Registration, Download, Benefits, Fake Claims** - English URL: https://govtschemes.net/central/employment/e-shram-card/ - Hindi URL: https://govtschemes.net/hi/central/employment/e-shram-card/ - Category: Employment and Skilling | Ministry: Ministry of Labour and Employment - Status: Viral claims of 'Rs 1,000 / Rs 3,000 a month for every e-Shram card holder' are false at the central level. Accident cover under PMSBY applies if enrolled; verify any older 'Rs 2 lakh free cover' wording before using it. - Key Fact: A free national registration for unorganised workers. You get a UAN card, and the portal links you to welfare schemes. - **PM Viksit Bharat Rozgar Yojana: Rs 15,000 for First Job, Rules** - English URL: https://govtschemes.net/central/employment/pm-viksit-bharat-rozgar-yojana/ - Hindi URL: https://govtschemes.net/hi/central/employment/pm-viksit-bharat-rozgar-yojana/ - Category: Employment and Skilling | Ministry: Ministry of Labour and Employment (through EPFO) - Status: New: this is the Employment Linked Incentive (ELI) scheme announced in Budget 2024-25, launched as PM-VBRY on 1 Aug 2025. - Key Fact: Incentives for people getting their first formal job and for employers who add new workers. - **DDU-GKY 2026: Free Skill Training and Jobs for Rural Youth** - English URL: https://govtschemes.net/central/employment/ddu-gky-rural-youth-skill/ - Hindi URL: https://govtschemes.net/hi/central/employment/ddu-gky-rural-youth-skill/ - Category: Employment and Skilling | Ministry: Ministry of Rural Development - Status: Age band (15 to 35, up to 45 for special groups) from long-standing guidelines; not re-verified for 2026. - Key Fact: Free residential or non-residential skill training for poor rural youth, with placement in jobs. - **PMMVY 2026: Rs 5,000 + Rs 6,000 for Girl Child, Apply, Status** - English URL: https://govtschemes.net/central/women-child/pradhan-mantri-matru-vandana-yojana/ - Hindi URL: https://govtschemes.net/hi/central/women-child/pradhan-mantri-matru-vandana-yojana/ - Category: Women and Child | Ministry: Ministry of Women and Child Development - Status: Helpline changed to 1515 from 1 Nov 2025. - Key Fact: Cash help for pregnant women and new mothers, so they can rest and eat well. - **Sukanya Samriddhi Yojana 2026: 8.2% Interest, Rules, Calculator** - English URL: https://govtschemes.net/central/women-child/sukanya-samriddhi-yojana/ - Hindi URL: https://govtschemes.net/hi/central/women-child/sukanya-samriddhi-yojana/ - Category: Women and Child | Ministry: Department of Economic Affairs, Ministry of Finance (Beti Bachao Beti Padhao) - Status: Interest rate 8.2% confirmed for Oct-Dec 2026 via news reports of the Ministry of Finance notification; DEA page not opened directly. - Key Fact: A savings account for a girl child with high, tax-free interest. Money is for her studies and marriage. - **Lakhpati Didi Yojana 2026: What It Is, Who Can Join, How** - English URL: https://govtschemes.net/central/women-child/lakhpati-didi-yojana/ - Hindi URL: https://govtschemes.net/hi/central/women-child/lakhpati-didi-yojana/ - Category: Women and Child | Ministry: Ministry of Rural Development - Status: Changed: target of 3 crore met in Feb 2026; new target 6 crore by Mar 2029. Lakhpati Didi is an initiative under DAY-NRLM, not a cash scheme. Viral claims of 'Rs 5 lakh interest-free loan for every woman' are NOT a central rule. - Key Fact: Helps rural women in self-help groups (SHGs) earn at least Rs 1 lakh a year, steadily, through training, credit and market links. - **NPS Vatsalya 2026: Rs 250 Minimum, Rules, How to Open** - English URL: https://govtschemes.net/central/women-child/nps-vatsalya-scheme/ - Hindi URL: https://govtschemes.net/hi/central/women-child/nps-vatsalya-scheme/ - Category: Women and Child | Ministry: Ministry of Finance (PFRDA) - Status: Changed: minimum contribution cut from Rs 1,000 to Rs 250 a year under guidelines effective 23 Feb 2026. NPS helpline number not re-verified. - Key Fact: A pension account that parents open for a child. It turns into a normal NPS account when the child turns 18. - **PM Jan Dhan Yojana 2026: Zero Balance Account, Rs 10,000 OD, Insurance** - English URL: https://govtschemes.net/central/finance/pm-jan-dhan-yojana/ - Hindi URL: https://govtschemes.net/hi/central/finance/pm-jan-dhan-yojana/ - Category: Savings and Banking | Ministry: Department of Financial Services, Ministry of Finance - Status: No issues found. Facts checked 15 Oct 2026. - Key Fact: A zero-balance bank account for every adult without one, with a RuPay card, accident cover and an overdraft. - **SCSS Interest Rate Oct-Dec 2026: 8.2%, Rs 30 Lakh Limit, Rules** - English URL: https://govtschemes.net/central/finance/senior-citizen-savings-scheme/ - Hindi URL: https://govtschemes.net/hi/central/finance/senior-citizen-savings-scheme/ - Category: Savings and Banking | Ministry: Department of Economic Affairs, Ministry of Finance - Status: Deposit cap Rs 30 lakh and age rules from SCSS Rules 2019 as amended (Budget 2023); not re-read on official page today. - Key Fact: A safe 5-year deposit for people 60+ that pays interest every quarter. - **PPF Interest Rate Oct-Dec 2026: 7.1%, Rules, Limits** - English URL: https://govtschemes.net/central/finance/ppf-public-provident-fund/ - Hindi URL: https://govtschemes.net/hi/central/finance/ppf-public-provident-fund/ - Category: Savings and Banking | Ministry: Department of Economic Affairs, Ministry of Finance - Status: No issues found. Facts checked 15 Oct 2026. - Key Fact: A 15-year, government-backed savings account with tax-free interest. - **PMJJBY 2026: Rs 2 Lakh Life Cover for Rs 436, Claim Process** - English URL: https://govtschemes.net/central/insurance/pmjjby-436-life-insurance/ - Hindi URL: https://govtschemes.net/hi/central/insurance/pmjjby-436-life-insurance/ - Category: Insurance | Ministry: Department of Financial Services, Ministry of Finance - Status: Proposal to raise cover to Rs 5 lakh was reported in May 2026 but not approved as of 15 Oct 2026. - Key Fact: One-year renewable life cover of Rs 2 lakh for Rs 436 a year, auto-debited from your bank account. - **PMSBY 2026: Rs 2 Lakh Accident Insurance for Rs 20, Claim** - English URL: https://govtschemes.net/central/insurance/pmsby-20-rupees-accident-insurance/ - Hindi URL: https://govtschemes.net/hi/central/insurance/pmsby-20-rupees-accident-insurance/ - Category: Insurance | Ministry: Department of Financial Services, Ministry of Finance - Status: DFS PMSBY page URL pattern assumed from the PMJJBY page; check resolves (see image/URL table). - Key Fact: Accident insurance of Rs 2 lakh for just Rs 20 a year. - **PM Shram Yogi Maandhan: Rs 3,000 Pension for Workers, Apply** - English URL: https://govtschemes.net/central/pension/pm-shram-yogi-maandhan/ - Hindi URL: https://govtschemes.net/hi/central/pension/pm-shram-yogi-maandhan/ - Category: Pension | Ministry: Ministry of Labour and Employment - Status: No issues found. Facts checked 15 Oct 2026. - Key Fact: A voluntary pension scheme for unorganised workers. You and the government pay equal amounts until 60, then you get a monthly pension. - **Atal Pension Yojana 2026: Chart, Rs 5,000 Pension, Eligibility** - English URL: https://govtschemes.net/central/pension/atal-pension-yojana/ - Hindi URL: https://govtschemes.net/hi/central/pension/atal-pension-yojana/ - Category: Pension | Ministry: Department of Financial Services, Ministry of Finance (PFRDA) - Status: Changed: continued till 2030-31 (Cabinet, early 2026). - Key Fact: A guaranteed pension of Rs 1,000 to Rs 5,000 a month from age 60, for a small monthly saving. - **Unified Pension Scheme (UPS): Rules, Payout, Deadline** - English URL: https://govtschemes.net/central/pension/unified-pension-scheme-ups/ - Hindi URL: https://govtschemes.net/hi/central/pension/unified-pension-scheme-ups/ - Category: Pension | Ministry: Department of Financial Services, Ministry of Finance (PFRDA) - Status: Deadline for existing employees passed (30 Nov 2025). Only new joiners can opt within 30 days of joining. - Key Fact: An option under NPS for Central Government employees that gives an assured monthly payout after retirement. - **PMEGP Loan 2026: Up to 35% Subsidy, Rs 50 Lakh Projects, Apply** - English URL: https://govtschemes.net/central/msme/pmegp-loan-subsidy/ - Hindi URL: https://govtschemes.net/hi/central/msme/pmegp-loan-subsidy/ - Category: MSME, Business and Startup | Ministry: Ministry of MSME (through KVIC, KVIBs and DICs) - Status: UNCERTAIN STATUS: approved up to 2025-26. Extension to 2030-31 (Rs 15,000 crore) under consideration, not confirmed as of 15 Oct 2026. KVIC helpline unverified. - Key Fact: Bank loan with a margin-money subsidy to start a new small business in manufacturing or services. - **Mudra Loan 2026: Shishu, Kishore, Tarun, Tarun Plus Rs 20 Lakh** - English URL: https://govtschemes.net/central/msme/pm-mudra-loan-yojana/ - Hindi URL: https://govtschemes.net/hi/central/msme/pm-mudra-loan-yojana/ - Category: MSME, Business and Startup | Ministry: Department of Financial Services, Ministry of Finance - Status: Changed: Tarun Plus (Rs 10-20 lakh) added from 24 Oct 2024 for those who repaid a Tarun loan. - Key Fact: Collateral-free loans for small non-farm businesses through banks, NBFCs and MFIs. - **Stand Up India Scheme 2026: Closed? New Rs 2 Crore Scheme Status** - English URL: https://govtschemes.net/central/msme/stand-up-india-loan/ - Hindi URL: https://govtschemes.net/hi/central/msme/stand-up-india-loan/ - Category: MSME, Business and Startup | Ministry: Department of Financial Services, Ministry of Finance - Status: DISCONTINUED: Stand-Up India was operational only till March 2025 (Lok Sabha, 27 Jul 2026). The Budget 2025-26 replacement (term loans up to Rs 2 crore for 5 lakh first-time women/SC/ST entrepreneurs) had not been formally launched as of the latest reports (March 2026); status as of Oct 2026 unverified. - Key Fact: Bank loans of Rs 10 lakh to Rs 1 crore for SC/ST and women entrepreneurs to start a new (greenfield) enterprise. New loans stopped after March 2025. - **PM SVANidhi 2026: Rs 15,000 to Rs 50,000 Loan + Credit Card** - English URL: https://govtschemes.net/central/msme/pm-svanidhi-street-vendor-loan/ - Hindi URL: https://govtschemes.net/hi/central/msme/pm-svanidhi-street-vendor-loan/ - Category: MSME, Business and Startup | Ministry: Ministry of Housing and Urban Affairs - Status: Changed: restructured to 31 Mar 2030 with loans of Rs 15,000 / Rs 25,000 / Rs 50,000 and a UPI-linked RuPay credit card. - Key Fact: Small collateral-free working capital loans for street vendors, with interest subsidy and cashback for digital payments. - **Startup India Registration 2026: DPIIT Recognition, Seed Fund** - English URL: https://govtschemes.net/central/msme/startup-india-recognition-seed-fund/ - Hindi URL: https://govtschemes.net/hi/central/msme/startup-india-recognition-seed-fund/ - Category: MSME, Business and Startup | Ministry: DPIIT, Ministry of Commerce and Industry - Status: Changed: Fund of Funds 2.0 (Rs 10,000 crore) operational; recognition limits widened (turnover up to Rs 200 crore; deep tech up to Rs 300 crore and 20 years). SISFS open-till date reported as 31 May 2026; status after that not verified. - Key Fact: Recognition and support for new businesses: tax and compliance relief, IPR help, seed money via incubators, and VC funding via Fund of Funds. - **CGTMSE Loan 2026: Rs 10 Crore Collateral-Free MSME Loan, Fees** - English URL: https://govtschemes.net/central/msme/cgtmse-collateral-free-msme-loan/ - Hindi URL: https://govtschemes.net/hi/central/msme/cgtmse-collateral-free-msme-loan/ - Category: MSME, Business and Startup | Ministry: Ministry of MSME with SIDBI - Status: Changed: guarantee ceiling raised to Rs 10 crore from 1 Apr 2025. - Key Fact: A government-backed guarantee so banks can give business loans to micro and small units without collateral. - **PMFME Yojana 2026: 35% Subsidy up to Rs 10 Lakh, Apply** - English URL: https://govtschemes.net/central/msme/pmfme-food-processing-subsidy/ - Hindi URL: https://govtschemes.net/hi/central/msme/pmfme-food-processing-subsidy/ - Category: MSME, Business and Startup | Ministry: Ministry of Food Processing Industries - Status: UNCERTAIN STATUS: approved to 2025-26; interim extension and five-year extension proposal under appraisal. Subsidy figures from original guidelines. - Key Fact: Credit-linked subsidy for small food units like pickle, papad, bakery, flour mill, dairy products and spices. - **Ujjwala Yojana 2026: Rs 300 Subsidy on 4 Refills, New Connection** - English URL: https://govtschemes.net/central/energy/pm-ujjwala-yojana/ - Hindi URL: https://govtschemes.net/hi/central/energy/pm-ujjwala-yojana/ - Category: Energy | Ministry: Ministry of Petroleum and Natural Gas - Status: CHANGED (June 2026): Rs 300 subsidy now on only the first 4 refills a year (was 9). Up to Rs 1,200 a year. - Key Fact: A free LPG connection for women from poor households, plus a targeted subsidy on refills. - **PM Surya Ghar Yojana 2026: Rs 78,000 Subsidy, Apply, Status** - English URL: https://govtschemes.net/central/energy/pm-surya-ghar-muft-bijli-yojana/ - Hindi URL: https://govtschemes.net/hi/central/energy/pm-surya-ghar-muft-bijli-yojana/ - Category: Energy | Ministry: Ministry of New and Renewable Energy - Status: No issues found. Facts checked 15 Oct 2026. - Key Fact: Subsidy for putting solar panels on your home roof, so you can get up to 300 units of free power a month. - **PM E-DRIVE 2026: EV Scooter Subsidy Rs 5,000 Till 2028** - English URL: https://govtschemes.net/central/energy/pm-e-drive-ev-subsidy/ - Hindi URL: https://govtschemes.net/hi/central/energy/pm-e-drive-ev-subsidy/ - Category: Energy | Ministry: Ministry of Heavy Industries - Status: Changed: e-2W incentive extended to 31 Mar 2028 at Rs 2,500/kWh, max Rs 5,000 (Aug 2026 notification). Fund-limited. Other vehicle segments' current rates not verified. - Key Fact: A discount on eligible electric two-wheelers, three-wheelers and other EVs, given at the time of purchase. - **VB-G RAM G 2026: MGNREGA Replaced, 125 Days Work, Job Card** - English URL: https://govtschemes.net/central/rural/vb-g-ram-g-rural-employment-mgnrega/ - Hindi URL: https://govtschemes.net/hi/central/rural/vb-g-ram-g-rural-employment-mgnrega/ - Category: Rural Development, Water and Sanitation | Ministry: Ministry of Rural Development - Status: MAJOR CHANGE: MGNREGA (2005) was repealed on 1 Jul 2026 and replaced by the VB-G RAM G Act, 2025, with 125 days of guaranteed work. Old MGNREGA pages must be redirected/updated. New wage rates under Section 10 not yet notified (old MGNREGA rates continue). Portal URL from search results; confirm. - Key Fact: A legal guarantee of paid manual work for rural households. It replaced MGNREGA on 1 July 2026 and raised the guarantee from 100 to 125 days a year. - **Jal Jeevan Mission 2026: Har Ghar Jal, JJM 2.0 Till 2028** - English URL: https://govtschemes.net/central/rural/jal-jeevan-mission-har-ghar-jal/ - Hindi URL: https://govtschemes.net/hi/central/rural/jal-jeevan-mission-har-ghar-jal/ - Category: Rural Development, Water and Sanitation | Ministry: Department of Drinking Water and Sanitation, Ministry of Jal Shakti - Status: Changed: extended to Dec 2028 as JJM 2.0 (Mar 2026) with focus on service delivery and O&M. - Key Fact: Piped tap water to every rural home, with regular and safe supply. - **Shauchalay Yojana 2026: Rs 12,000 Toilet Scheme, Apply Online** - English URL: https://govtschemes.net/central/rural/swachh-bharat-mission-toilet-12000/ - Hindi URL: https://govtschemes.net/hi/central/rural/swachh-bharat-mission-toilet-12000/ - Category: Rural Development, Water and Sanitation | Ministry: Department of Drinking Water and Sanitation, Ministry of Jal Shakti - Status: Helpline 1969 not re-verified. - Key Fact: Rs 12,000 incentive to build a household toilet, plus village solid and liquid waste management (ODF Plus). - **PM Gram Sadak Yojana IV: Rules, Status, Meri Sadak Complaint** - English URL: https://govtschemes.net/central/rural/pm-gram-sadak-yojana/ - Hindi URL: https://govtschemes.net/hi/central/rural/pm-gram-sadak-yojana/ - Category: Rural Development, Water and Sanitation | Ministry: Ministry of Rural Development - Status: pmgsy.nic.in did not respond in our automated check; omms.nic.in is the MIS. - Key Fact: All-weather roads to unconnected villages. - **Old Age, Widow, Disability Pension 2026: New Names, Amounts** - English URL: https://govtschemes.net/central/social-welfare/old-age-widow-disability-pension-pm-samajik-sahayata/ - Hindi URL: https://govtschemes.net/hi/central/social-welfare/old-age-widow-disability-pension-pm-samajik-sahayata/ - Category: Social Welfare | Ministry: Ministry of Rural Development - Status: BREAKING CHANGE (14 Oct 2026): NSAP renamed Pradhan Mantri Samajik Sahayata Yojana; disability pension raised to Rs 375 (0-79) / Rs 625 (80+), benchmark disability cut to 40%, age from birth. New guidelines due within three months; until then old rules apply on the ground. State top-ups vary widely; central share is small. - Key Fact: Monthly pensions for poor elderly people, widows and persons with disabilities, plus a one-time family benefit when the main earner dies. States add their own money on top. - **UDID Card 2026: Apply Online, Status, Download e-Card** - English URL: https://govtschemes.net/central/social-welfare/udid-card-disability-certificate/ - Hindi URL: https://govtschemes.net/hi/central/social-welfare/udid-card-disability-certificate/ - Category: Social Welfare | Ministry: Department of Empowerment of Persons with Disabilities, Ministry of Social Justice and Empowerment - Status: Ties in with the Oct 2026 disability pension change (40% benchmark). - Key Fact: One national ID and disability certificate for persons with disabilities, valid across India. - **PM JANMAN Yojana: Benefits for PVTG Families, Progress 2026** - English URL: https://govtschemes.net/central/social-welfare/pm-janman-pvtg-scheme/ - Hindi URL: https://govtschemes.net/hi/central/social-welfare/pm-janman-pvtg-scheme/ - Category: Social Welfare | Ministry: Ministry of Tribal Affairs (with 9 ministries) - Status: Per-house assistance amount under PM-JANMAN (reported historically as Rs 2.39 lakh) not re-verified; omitted. - Key Fact: A mission to give Particularly Vulnerable Tribal Groups (PVTGs) houses, water, roads, power, health, education and livelihoods. ## Utility Hubs - Status Check Directory: https://govtschemes.net/status-check/ - Last Dates and Deadlines: https://govtschemes.net/last-dates/ - Official Helplines Directory: https://govtschemes.net/helpline-numbers/ - Closed and Replaced Schemes: https://govtschemes.net/closed-schemes/ - Search Index: https://govtschemes.net/search/ ## Important Flagged Status Updates (as of October 2026) - MGNREGA (2005) was repealed on 1 July 2026 and replaced by the VB-G RAM G Act, 2025 (125 days guaranteed wage employment). - Stand-Up India was operational only till March 2025. - NSAP was restructured and renamed on 14 October 2026 to Pradhan Mantri Samajik Sahayata Yojana; disability pension increased to Rs 375 (0-79) / Rs 625 (80+). - PMAY-U (2015) and CLSS were replaced by PMAY-U 2.0 (ISS for loans from 1 September 2024). - FAME-II was replaced by PM E-DRIVE. - PM Ujjwala LPG subsidy of Rs 300 is now restricted to the first 4 refills per year. - PM-KISAN continuation for 2026-27 to 2030-31 was approved by the Cabinet with Rs 3.15 lakh crore outlay. ## Official Disclaimer govtschemes.net is an independent information website. It is not a government website and is not linked to any ministry or department. We collect information from official sources like PIB, ministry portals and gazette notifications. Rules and amounts can change. Always confirm on official portals before applying.