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कृपया इसे हिंदी में पढ़ने के लिए यहाँ क्लिक करें

Introduction & Backstory

Since 2014, Prime Minister Narendra Modi’s administration has introduced a wide range of “Pradhan Mantri” schemes and welfare programs targeting inclusive growth in areas like housing, healthcare, education, finance, sanitation, energy, entrepreneurship, and employment. Spearheaded by ministries including Housing & Urban Affairs and Environment & Health, these programs use data and citizen feedback to improve delivery.

Key Schemes, Benefits & How to Apply

1. Pradhan Mantri Awas Yojana (PMAY)

• Benefits: Interest subsidy up to ₹2.67 lakh under CLSS for EWS/LIG/MIG (6.5–3% p.a.)
• Apply: pmaymis.gov.in → Citizen Assessment → Apply Online → Choose Urban/Rural & CLSS → Submit Aadhaar, income & property documents → Track via CLAP

2. PM-Kisan Samman Nidhi

• Benefits: ₹6,000 per year for small & marginal farmers in three ₹2,000 installments
• Apply: pmkisan.gov.in/registrationformnew.aspx → Aadhaar eKYC, land & bank details → Submit

3. Ayushman Bharat (PM-JAY)

• Benefits: ₹5 lakh/year cashless health coverage for over 12 crore families
• Apply: pmjay.gov.in → Am I Eligible → Enter mobile & OTP → Capture details → Download e-card

4. Pradhan Mantri Ujjwala Yojana (PMUY)

• Benefits: Free LPG connections for BPL women with ₹1,600 support
• Apply: pmuy.gov.in → Apply for PMUY → Enter Aadhaar-linked mobile, address, distributor ID → Upload documents

5. Pradhan Mantri Jan-Dhan Yojana (PMJDY)

• Benefits: Zero-balance savings account, ₹2 lakh accident cover, ₹5,000 overdraft
• Apply: pmjdy.gov.in or any bank → Submit Aadhaar/PAN, photo & eKYC → Get account and RuPay card

6. Swachh Bharat Mission

• Benefits: Over 11 crore toilets built; reduced open defecation; better waste management
• Apply: Rural: Local Panchayat or webonlineca.com/swachh-bharat-abhiyan; Urban: sbmurban.gov.in

7. Digital India

• Benefits: Public Wi-Fi, eSign, DigiLocker, 1 lakh+ CSCs
• Apply: digitalindia.gov.in → Initiatives

8. Skill India

• Benefits: Free NSDC-certified courses, stipends, toolkits
• Apply: skillindiadigital.gov.in → Choose course & enroll

9. Startup India

• Benefits: DPIIT recognition, tax holidays, labour law self-certification, fund support
• Apply: startupindia.gov.in → Create profile & upload documents

10. Pradhan Mantri Mudra Yojana (PMMY)

• Benefits: Collateral-free loans up to ₹10 lakh (Shishu/Kishore/Tarun)
• Apply: udyamimitra.in or any bank/NBFC portal → Submit KYC & business plan

11. Beti Bachao, Beti Padhao (BBBP)

• Benefits: Sukanya Samriddhi Account (₹250–₹1.5 lakh/year @ ~8.2% p.a.)
• Apply: Banks/Post Office → Submit girl-child’s birth certificate, Aadhaar & guardian ID → Deposit via cash/net banking

12. PM SVANidhi

• Benefits: ₹10,000 collateral-free loan, 7% interest subsidy, digital payment cashback
• Apply: pmsvanidhi.mohua.gov.in → Apply Online → Aadhaar OTP → Submit details & documents

13. Pradhan Mantri Kaushal Vikas Yojana (PMKVY)

• Benefits: Free training in 40+ sectors, ₹2,000–₹2,500 incentives, placement support
• Apply: pmkvyofficial.org → Register → eKYC → Select job role & center

14. PM Surya Ghar Muft Bijli Yojana

• Benefits: 300 units of free solar electricity/month, ₹15,000–₹18,000 annual savings
• Apply: pmsuryaghar.gov.in → Apply → Select DISCOM → Register & install → Subsidy credited directly

15. Employment Linked Incentive Schemes

• For Youth: Wage subsidy up to ₹15,000 in three parts
• For Employers: ₹3,000/month for each EPFO-registered hire
• Apply: Through sbi.co.in or standupmitra.in

16. Startup India Seed Fund Scheme (SISFS)

• Benefits: Up to ₹50 lakh for early-stage startups via incubators
• Apply: seedfund.startupindia.gov.in → Register → Submit proposal

17. Stand-Up India Loan Scheme

• Benefits: ₹10 lakh to ₹2 crore for SC/ST & women-led businesses
• Apply: standupmitra.in → Complete KYC & project details

18. Atal Pension Yojana (APY)

• Benefits: ₹1,000–₹5,000/month guaranteed pension after 60
• Apply: enps.nsdl.com or banks/post offices → Complete KYC & choose plan

19. Sukanya Samriddhi Yojana (SSY)

• Benefits: 8.2% interest (Jan–Mar 2025), tax-free maturity after 21 years
• Apply: India Post or bank → Submit child’s birth certificate, Aadhaar, guardian ID → Deposit ₹250 minimum

20. Revised Pension Scheme for Central Employees

• Update: Effective April 1, 2025 – Guaranteed pension (50% of last salary after 25 years) for central government employees

Future Vision & Digital Integration

• One Nation, One Login: Unified Aadhaar-mobile portal for all schemes
• One Nation, One Card: Seamless benefit portability across states
• BADLAV for BBBP: Mobile CSR tracking, district dashboards
• Jan Samarth for SVANidhi: Vendor mapping, skilling & digital marketplaces

In Simple Words for Everyone

The Indian government is running many helpful programs for the people. These programs give people money to start businesses, help with medical costs, provide cooking gas, and focus on the education and well-being of girls. You can often apply for these things online or by visiting a government office. The goal is to make India a strong and happy country by 2047, helping everyone grow and succeed.

Disclaimer: The information provided in this blog is for general informational purposes only and is based on publicly available sources as of April 18, 2025. While efforts have been made to ensure accuracy, details of government schemes may change over time. Readers are advised to verify the latest information through official government portals before making any decisions. The author and publisher are not liable for any errors or omissions.