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  • November 24, 2025
  • All View Point

Best Government Schemes in India A Complete Guide for Citizens

Over a hundred government schemes exist to help with education, healthcare, pensions, housing, and business. Yet most people have never heard of them.

Explore Schemes

100+ Schemes

Designed to help millions of Indians

Life-Changing

Support for education to retirement

Mostly Unknown

Let's change that together

Did you know India has over a hundred government schemes designed to help people with everything from education and healthcare to pensions, housing, and launching a business? Sounds impressive, right? But the truth is, a lot of folks have never even heard of most of them. So, let's cut through the confusion and spotlight 10 lesser-known but genuinely helpful government schemes what they do, who's eligible, and why they even exist.

10 Schemes You Should Know About

From pensions to education, housing to healthcare here are the opportunities waiting for you

Best government schemes in India

Atal Pension Yojana (APY)

Essential

Your safety net for retirement

Key Benefits

  • Guaranteed monthly pension from â‚ą1,000 to â‚ą5,000 after you turn 60
  • Amount depends on contribution and joining age
  • Auto-debit from bank  never miss a payment
  • Government co-contribution for low-income subscribers

Who's Eligible?

Anyone without a pension from an employer. Ideal for freelancers, small business owners, and workers seeking retirement peace of mind.

Why It Matters

It helps people with modest means build a steady pension, no financial expertise needed.

Best government schemes in India

Sukanya Samriddhi Yojana (SSY)

Featured

Invest in your daughter's future

Key Benefits

  • Interest rates between 7.6% and 8.5%, updated quarterly
  • Open account before daughter turns 10
  • Minimum yearly deposit: â‚ą250; maximum: â‚ą1.5 lakh
  • Deposit for 15 years, matures at 21 years
  • Triple tax benefit under Section 80C

Who's Eligible?

Parents who want a safe, high-return investment for their daughter's education or marriage.

Why It Matters

It sets up a strong financial base for your daughter's big milestones.

PM Atmanirbhar Swasth Bharat Yojana

Popular

Strengthening India's healthcare backbone

Key Benefits

  • New diagnostic labs in rural and semi-urban areas
  • Better public health units for emergencies
  • Investment in telemedicine and digital health
  • Improved capacity to handle pandemics

Who's Eligible?

Serves rural families and low-income households who rely on public healthcare.

Why It Matters

It brings affordable, quality healthcare closer to people who need it most.

Pradhan Mantri Awas Yojana (PMAY)

Essential

Making homeownership a reality

Key Benefits

  • Up to â‚ą2.67 lakh subsidy on home loan interest
  • Available to EWS, LIG, and MIG families
  • Supports first-time home buyers
  • Extra encouragement for women co-owners

Who's Eligible?

Young families, first-time home buyers, and lower to middle-income groups.

Why It Matters

It lightens your loan load and makes owning a home more affordable.

PM Vaya Vandana Yojana (PMVVY)

Popular

Secure pension for seniors

Key Benefits

  • Guaranteed returns around 7–9%
  • Choose pension frequency: monthly, quarterly, half-yearly, or yearly
  • Ten-year tenure with LIC backing
  • Invest up to â‚ą15 lakh per person

Who's Eligible?

Retirees aged 60 and above who want stable, predictable income.

Why It Matters

It brings financial security in retirement with the trust of LIC.

National Pension System (NPS) – Tier II

Essential

Flexible investment for the future

Key Benefits

  • No lock-in  withdraw anytime
  • Very low fund management charges (0.01%–0.09%)
  • Invest in equity, corporate bonds, or government securities
  • Great for long-term savings beyond retirement

Who's Eligible?

Young professionals and anyone wanting low-cost, long-term investment.

Why It Matters

You get mutual fund-like benefits at a fraction of the cost.

Best government schemes in India

PM Kisan Maandhan Yojana

Featured

Pension security for farmers

Key Benefits

  • Guaranteed â‚ą3,000 monthly pension after age 60
  • Government matches your monthly contributions
  • Join between ages 18 and 40
  • Designed for small and marginal farmers

Who's Eligible?

Farmers with less than 2 hectares of land.

Why It Matters

It ensures farmers have steady support when they're older.

Stand-Up India Scheme

Popular

Empowering entrepreneurs

Key Benefits

  • Bank loans from â‚ą10 lakh up to â‚ą1 crore
  • For businesses in manufacturing, trading, or services
  • Helps launch new enterprises
  • Encourages self-employment

Who's Eligible?

Women entrepreneurs and SC/ST individuals starting up.

Why It Matters

It drives inclusive growth and gives a leg up to underrepresented communities.

Ayushman Bharat Digital Mission (ABDM)

Essential

Your health records, digitized

Key Benefits

  • Every citizen gets a Digital Health ID (ABHA ID)
  • Quick access to medical records
  • Easy sharing of prescriptions and test results between doctors
  • Smoother telemedicine and online doctor visits

Who's Eligible?

Anyone who wants their health records online and visits multiple healthcare providers.

Why It Matters

It makes healthcare easier with everything connected digitally.

Best government schemes in India

Deen Dayal Upadhyaya Grameen Kaushalya Yojana

Featured

Skills that lead to jobs

Key Benefits

  • Free training in various trades
  • Job placement assistance after training
  • Courses in hospitality, retail, IT, and logistics
  • Focuses on industries with actual job demand

Who's Eligible?

Young people from rural areas, ages 15 to 35.

Why It Matters

Gives rural families a real shot at financial security with job-ready skills.

Knowledge Is Power

These government schemes are here to help making healthcare smoother, building job skills, improving housing, and boosting financial security. The trouble is, a lot of people don’t realize what’s out there for them. If more families knew about these opportunities, they could really make a difference in their lives. So, learning about and sharing these programs can open doors that many didn’t even know existed.

Want to stay informed about these schemes and more? Check out my blog for regular updates: All Viewpoint Blog and don’t forget to subscribe for fresh insights straight to your inbox.

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FAQ

Quick Answers to Common Questions

What are the best government schemes in India right now?

The best schemes include PM Awas Yojana (housing), Ayushman Bharat (health insurance), Sukanya Samriddhi Yojana (girl child savings), PM Shram Yogi Maandhan (pension), and PM Ujjwala Yojana (LPG for women).

Which schemes offer the highest financial benefits to common families?

Schemes like Ayushman Bharat (â‚ą5 lakh health coverage), PMAY subsidy (up to â‚ą2.67 lakh), and Sukanya Samriddhi Yojana (high interest + tax benefits) provide the biggest monetary impact.

How can I apply for these government schemes?

Most schemes can be applied online through official portals or offline through local panchayats, banks, or government service centers.

Are these schemes available for everyone or only for certain income groups?
  • Some schemes are universal (like Ayushman Bharat for eligible families), while others target specific groups—such as farmers, women, senior citizens, or low-income households.
Why do many Indians miss out on these beneficial schemes?

Lack of awareness, complex documentation, and limited digital knowledge often stop people from taking advantage of powerful welfare schemes.

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