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In summary
Understanding Home Loan
Government schemes in India are central and state-level programmes designed to support economic development, social welfare, and financial inclusion. This page covers the most prominent schemes currently active in 2026, organised by category.
Use this page to find schemes relevant to you:
- Healthcare and insurance — Ayushman Bharat, PMJJBY, PMSBY
- Housing — PMAY 2.0 (Urban and Gramin), AMRUT
- Farming and rural welfare — PM Kisan, MGNREGS, PM Fasal Bima Yojana
- Clean energy — PM Surya Ghar: Muft Bijli Yojana
- Women and children — Lakhpati Didi, Sukanya Samriddhi, PMMVY 2.0
- Employment and skills — Skill India, PM Vishwakarma, Startup India 2.0
- Finance and banking — PM Mudra Yojana, PM Jan Dhan Yojana
- Digital and infrastructure — Digital India 2.0, Jal Jeevan Mission
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What are government schemes in India?
Government schemes in India are structured programmes launched by the Central or State Government to address social, economic, and developmental challenges. They deliver targeted benefits — financial aid, subsidies, insurance, housing, or skill development — to eligible citizens, particularly those from economically weaker sections.
Schemes fall into two broad types: Central schemes are fully funded and implemented by the Central Government. Centrally Sponsored Schemes are co-funded between the Centre and states, with states adapting implementation to local needs and their five-year plan priorities.
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Top 10 government schemes in India 2026
The table below lists the 10 most prominent government schemes active in 2026, their launch dates, and key features:
| # | Scheme name | Launch date | Key feature in 2026 |
|---|---|---|---|
| 1 | Ayushman Bharat (PM-JAY) | 23 Sep 2018 | Rs. 5 lakh annual health insurance; expanded to all citizens aged 70+ via Vay Vandana cards |
| 2 | PM Kisan Samman Nidhi | 24 Feb 2019 | Rs. 6,000/year income support to farmers; 22nd instalment due February 2026 |
| 3 | PM Surya Ghar: Muft Bijli | 13 Feb 2024 | 300 units free electricity for 1 crore homes by 2027; subsidy up to Rs. 78,000 per household |
| 4 | PMAY 2.0 (Urban / Gramin) | 25 Jun 2015 | Additional 3 crore houses being built for middle-income and rural families in the 2.0 phase |
| 5 | Jal Jeevan Mission | 15 Aug 2019 | 82% rural saturation as of 2025; extended to reach 100% by December 2028 |
| 6 | Digital India 2.0 | 01 Jul 2015 | Near-total 5G rural district coverage; 2026 focus on AI-based governance in local languages |
| 7 | Lakhpati Didi Scheme | 15 Aug 2023 | Target doubled to 6 crore women earning Rs. 1 lakh+ per year by March 2029 |
| 8 | PM Mudra Yojana (PMMY) | 08 Apr 2015 | Tarun Plus category (2024): collateral-free loans up to Rs. 20 lakh for proven entrepreneurs |
| 9 | Startup India 2.0 | 16 Jan 2016 | 10-year milestone in Jan 2026; new Rs. 10,000 crore deep-tech fund for Indian manufacturing |
| 10 | PM Vishwakarma | 17 Sep 2023 | Phase II: toolkit e-vouchers of Rs. 15,000 and loans up to Rs. 3 lakh at 5% for 18 traditional trades |
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Government schemes for healthcare and insurance
| Scheme | Full form | Launch | Ministry | Key benefit |
|---|---|---|---|---|
| PM-JAY | Pradhan Mantri Jan Arogya Yojana (Ayushman Bharat) | 2018 | Health & Family Welfare | Rs. 5 lakh annual health insurance per family |
| PMJJBY | Pradhan Mantri Jeevan Jyoti Bima Yojana | 09 May 2015 | Finance | Life insurance cover of Rs. 2 lakh at Rs. 436/year premium |
| PMSBY | Pradhan Mantri Suraksha Bima Yojana | 09 May 2015 | Finance | Accident insurance of Rs. 2 lakh at Rs. 20/year premium |
| PMSSY | Pradhan Mantri Swasthya Suraksha Yojana | 22 Jan 2015 | Health & Family Welfare | Improve tertiary healthcare availability in underserved states |
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List of top schemes supported by the current government
Over its two terms of service, the current government has launched and approved several schemes that are beneficial to the Indian public. Amongst this list is a noteworthy housing scheme as well. Here's what these schemes are and their key objectives.
| Scheme name | Launch date | Objective |
|---|---|---|
| Pradhan Mantri Awas Yojana | 25 June 2015 | This is a noteworthy initiative that aims to provide housing for all by 2022 by ensuring affordable housing units made with eco-friendly materials. |
| AMRUT Plan | 24 June 2015 | The mission of this initiative is to create infrastructure for water supply to every home and proper sewage and provide green spaces and access to public transport. |
| MHADA Housing Scheme | 2008 | The mission of this initiative is to provide housing to residents of Maharashtra through a lottery scheme. Over 1,000 housing units are on offer every year, and the MHADA body handles everything from construction to allotment of these houses. |
Among the many new government schemes available, those offering subsidies on significant expenses are most relevant to the average Indian. For example, the Pradhan Mantri Awas Yojana (PMAY) is ideal for working-class citizens looking to become homeowners. It allows you to affordably own home by giving you a subsidised home loan interest rate. As this is one of the most important government housing schemes, here are a few essential features to consider.
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Home loan for professionals
Government schemes for housing
| Scheme | Launch | Objective |
|---|---|---|
| Pradhan Mantri Awas Yojana (PMAY) 2.0 | 25 Jun 2015 | Affordable housing for all — additional 3 crore houses under Phase 2 for urban and rural families |
| AMRUT Plan | 24 Jun 2015 | Water supply infrastructure, sewage systems, green spaces, and public transport for urban areas |
| MHADA Housing Scheme | 2008 | Affordable housing for Maharashtra residents via lottery; over 1,000 units offered annually |
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Government schemes for farmers and rural welfare
| Scheme | Full form | Launch | Key benefit |
|---|---|---|---|
| PM Kisan | Pradhan Mantri Kisan Samman Nidhi | 24 Feb 2019 | Rs. 6,000/year direct income support to farmers in 3 instalments |
| PMFBY | Pradhan Mantri Fasal Bima Yojana | 18 Feb 2016 | Crop insurance for farmers against natural calamities |
| PMKSY | Pradhan Mantri Krishi Sinchai Yojana | 01 Jul 2015 | Irrigation infrastructure — 'Har Khet Ko Pani, More Crop Per Drop' |
| PM-KISAN Maan-Dhan | Pradhan Mantri Kisan Maan-Dhan Yojana | 2019 | Pension of Rs. 3,000/month for small and marginal farmers at age 60 |
| RGM | Rashtriya Gokul Mission | 16 Dec 2014 | Conservation and development of indigenous cattle breeds |
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Government schemes for women and children
| Scheme | Launch | Key benefit |
|---|---|---|
| Lakhpati Didi Scheme | 15 Aug 2023 | Skill training and livelihood support to help women SHG members earn Rs. 1 lakh+ per year; target of 6 crore women by 2029 |
| Sukanya Samriddhi Yojana (Beti Bachao Beti Padhao) | 2015 | Tax-free savings scheme for girl children; currently offers 8.2% interest rate |
| PMMVY 2.0 | Pradhan Mantri Matru Vandana Yojana | Incentives for second child, particularly if girl; cash benefit transferred directly to mother's account |
| PM Ujjwala Yojana | 2016 | Free LPG connections to women in below-poverty-line households |
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Government schemes for employment and skills
| Scheme | Full form | Launch | Key benefit |
|---|---|---|---|
| Skill India / PMKVY | Pradhan Mantri Kaushal Vikas Yojana | 2015 | Free skill training and industry-recognised certification |
| PM Vishwakarma | - | 17 Sep 2023 | Rs. 15,000 toolkit voucher and loans up to Rs. 3 lakh at 5% for 18 traditional trades |
| DDU-GKY | Deen Dayal Upadhyaya Grameen Kaushalya Yojana | 2014 | Skill training and placement for rural youth aged 15-35 |
| Startup India 2.0 | - | 16 Jan 2016 | Rs. 10,000 crore deep-tech fund; 10-year milestone celebrated January 2026 |
| Stand Up India | - | 2016 | Loans between Rs. 10 lakh and Rs. 1 crore for SC/ST and women entrepreneurs |
Government schemes for finance and banking
| Scheme | Full form | Launch | Ministry | Key benefit |
|---|---|---|---|---|
| PMJDY | Pradhan Mantri Jan Dhan Yojana | 28 Aug 2014 | Finance | Zero-balance savings accounts with Rs. 2 lakh accident insurance |
| PMMY | Pradhan Mantri Mudra Yojana | 08 Apr 2015 | Finance | Collateral-free loans up to Rs. 20 lakh (Tarun Plus) for small businesses |
| APY | Atal Pension Yojana | 09 May 2015 | Finance | Guaranteed pension of Rs. 1,000 to Rs. 5,000/month after age 60 |
| PM-SYM | Pradhan Mantri Shram Yogi Maan-Dhan | 2019 | Labour & Employment | Rs. 3,000/month pension for unorganised sector workers at age 60 |
| KVP | Kisan Vikas Patra | 2014 | Finance | Savings instrument that doubles investment in approximately 115 months |
List of social security and other key schemes in India
The following schemes are currently active and relevant to different sections of Indian citizens:
| Scheme name | Objective |
|---|---|
| Atmanirbhar Bharat Abhiyan | Self-reliance package; Rs. 27.1 lakh crore announced to support post-COVID economic recovery |
| PM Garib Kalyan Yojana (PMGKY) | Rs. 1.70 lakh crore relief package for financial hardships caused by the pandemic |
| National Digital Health Mission | Centralised health ID and digital health records for all citizens |
| SVAMITVA Scheme | Property rights and land records for rural households via drone surveys |
| PM SVANidhi Scheme | Micro-credit up to Rs. 50,000 for street vendors |
| Jal Jeevan Mission | Piped tap water to every rural household by December 2028 |
| Smart Cities Mission | Urban infrastructure development for 100 selected cities |
| Swachh Bharat Mission | Open defecation-free India; sanitation infrastructure for rural and urban areas |
| Make in India | Boost domestic manufacturing and attract foreign investment |
| Digital India | Broadband, internet access, and digital services for all citizens |
India's government schemes in 2026 cover nearly every aspect of citizen welfare — from Rs. 5 lakh health cover under Ayushman Bharat to free solar electricity under PM Surya Ghar. Understanding which schemes apply to you is the first step to making the most of available benefits. For homeownership specifically, PMAY 2.0 offers subsidised housing support that can be combined with a private home loan for a more complete financing solution.
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Frequently Asked Questions
Overview
What is the difference between a Central scheme and a Centrally Sponsored Scheme?
A Central scheme is fully funded and implemented by the Central Government — examples include PM Jan Dhan Yojana and Digital India. A Centrally Sponsored Scheme is co-funded between the Centre and the states — PMAY and MGNREGS are examples. States also adapt implementation of Centrally Sponsored Schemes to align with their own five-year development plans and local priorities.
How do you find out which government schemes you are eligible for?
Visit the official government portal at https://www.india.gov.in/ or the scheme-specific portal. Most scheme pages list eligibility criteria — income limits, caste, occupation, or geographic location. You can also visit your nearest Common Service Centre (CSC), Gram Panchayat office, or district welfare office for guidance on schemes applicable to your household.
What is Ayushman Bharat and who is covered?
Ayushman Bharat (PM-JAY) is India's flagship health insurance scheme providing Rs. 5 lakh annual cover per family for hospitalisation. As of 2025-26, coverage has been extended to all citizens aged 70 and above through Vay Vandana cards, regardless of income. Earlier beneficiaries were identified from SECC data. The scheme is active across empanelled public and private hospitals nationwide.
What is PM Kisan and how is the money transferred?
PM Kisan Samman Nidhi provides Rs. 6,000 per year to small and marginal farmers, paid in three instalments of Rs. 2,000 each. The money is transferred directly to the farmer's Aadhaar-linked bank account via Direct Benefit Transfer (DBT). To check your instalment status or register, visit https://pmkisan.gov.in/.
How is PM Vishwakarma different from Startup India?
PM Vishwakarma targets artisans and craftspeople in 18 traditional trades — such as blacksmiths, potters, weavers, and cobblers. It offers Rs. 15,000 toolkit e-vouchers and loans up to Rs. 3 lakh at 5% interest. Startup India 2.0 is designed for technology-driven startups and entrepreneurs, with a new Rs. 10,000 crore deep-tech fund supporting Indian manufacturing innovation.
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