Government Schemes in India 2026

The complete reference list of central government schemes — flagship, social welfare, agriculture, finance, women & child, health, education — with ministry, launch date, beneficiaries and 2026 status.

100+
Schemes covered
25
Ministries indexed
2026
Annual refresh
EN
Hindi/regional v29

How to use this hub

Government schemes are central to UPSC GS-2, GS-3 and Essay papers, banking exam GA sections, and state-PSC General Studies. The challenge isn't volume — it's keeping schemes straight when their abbreviations and acronyms blur. This hub fixes that: each card shows the official name, year of launch, ministry, target beneficiaries, key benefit and 2026 status (active, restructured, ended).

For deeper coverage of any scheme, click through to the dedicated page; for daily updates on new schemes and budget announcements, visit our Current Affairs hub.

Flagship PM Schemes

The defining welfare and infrastructure schemes of post-2014 India.

PM-Kisan Samman Nidhi
Launched 24 Feb 2019
₹6,000 per year to small & marginal farmer families in 3 instalments of ₹2,000. Direct Benefit Transfer. 19th instalment released February 2025. 11+ crore beneficiaries; ₹3.46+ lakh crore disbursed.
M/o Agriculture11+ cr farmers₹60,000 cr/yr
Ayushman Bharat PM-JAY
Launched 23 Sep 2018
Health cover up to ₹5 lakh per family per year for secondary & tertiary care to 55 crore beneficiaries (~12 crore poor families). World's largest health-assurance scheme.
M/o Health55 cr beneficiaries₹7,200 cr (FY25)
MGNREGA
Act passed 5 Sep 2005
Mahatma Gandhi National Rural Employment Guarantee Act — 100 days of unskilled wage employment per rural household per year, on demand. Largest social-protection programme in the world.
M/o Rural Development5.5+ cr households₹86,000 cr (FY25)
PMGKAY (Permanent)
Permanent w.e.f. Jan 2024
Pradhan Mantri Garib Kalyan Anna Yojana — 5 kg free foodgrains per person per month to 81+ crore beneficiaries covered under NFSA. Originally COVID relief, made permanent 1 Jan 2024 for 5 years.
M/o Consumer Affairs81+ cr₹2 lakh cr/yr
Jal Jeevan Mission
Launched 15 Aug 2019
Functional Household Tap Connection (FHTC) to every rural household. Original target 2024 extended; ~16 crore connections as of mid-2025 (~80% coverage).
M/o Jal Shakti16+ cr households₹3.6 lakh cr total
PMAY (Urban + Gramin)
Launched 25 Jun 2015
Pradhan Mantri Awas Yojana — pucca houses to all by 2024. Approved ~4.21 crore units. PMAY-Urban 2.0 announced 2024 for 1 crore more urban homes.
M/o Housing4.21+ cr units₹3.6 lakh cr

Agriculture & Farmer Welfare

PM-AASHA
Launched 12 Sep 2018
Pradhan Mantri Annadata Aay SanraksHan Abhiyan — umbrella scheme for MSP procurement for pulses, oilseeds and copra via PSS, PDPS and PPSS pilots.
M/o Agriculture
PM Fasal Bima Yojana
Launched 13 Jan 2016
Comprehensive crop insurance scheme. Farmers pay 2% (kharif), 1.5% (rabi) and 5% (commercial) of sum insured; rest borne by Centre + states.
M/o Agriculture
Soil Health Card Scheme
Launched 19 Feb 2015 (Suratgarh)
Soil testing at block level; farmers receive cards with nutrient recommendations every 2 years. ~23 crore cards issued.
M/o Agriculture23+ cr cards

Finance, MSME & Self-Employment

PMJDY (Jan Dhan)
Launched 28 Aug 2014
Pradhan Mantri Jan Dhan Yojana — zero-balance basic savings accounts. 52+ crore accounts; ~₹2.36 lakh crore deposits as of 2025. Foundation of India Stack.
M/o Finance52+ cr accounts
PM Mudra Yojana
Launched 8 Apr 2015
Collateral-free loans up to ₹10 lakh (Tarun+ ₹20 lakh from 2024) to micro/small businesses via banks/NBFCs/MFIs. ~46 crore loans, ₹29 lakh crore sanctioned.
M/o Finance46 cr loans
PM SVANidhi
Launched 1 Jun 2020
Working capital loans (₹10K → ₹20K → ₹50K) to street vendors. Digital onboarding via mobile. ~67 lakh vendors benefited.
M/o Housing67 lakh vendors
Stand Up India
Launched 5 Apr 2016
Bank loans between ₹10 lakh and ₹1 crore to at least one SC/ST and one woman borrower per branch for greenfield enterprise.
M/o Finance

Latest Schemes 2024-25

Schemes launched or significantly restructured in the last 18 months — high-priority for current affairs.

Sampoornata Abhiyan
Launched 4 Jul 2024 by NITI Aayog
Saturation drive on 6 critical indicators each across 112 Aspirational Districts and 500 Aspirational Blocks. Health, nutrition, education, agriculture, infrastructure. 8,100 monthly searches.
NITI Aayog112 districts
PM Vishwakarma
Launched 17 Sep 2023
For 18 traditional artisan trades — recognition + skill training + toolkit incentive ₹15,000 + collateral-free loans up to ₹3 lakh @ 5%. ~30 lakh registered as of 2025.
M/o MSME30 lakh artisans
PM Surya Ghar: Muft Bijli Yojana
Launched 13 Feb 2024
Rooftop solar for 1 crore households with up to 300 units free electricity per month. Subsidy up to ₹78,000 per household. ~1.45 cr registrations as of mid-2025.
M/o New & Renewable Energy1 crore target
PM Internship Scheme
Announced Budget 2024-25
12-month internships in top 500 companies for youth aged 21-24. ₹5,000/month stipend + ₹6,000 one-time grant. Target 1 crore youth over 5 years.
M/o Corporate Affairs1 cr target

Frequently asked questions

What are the major government schemes in India?

The major active government schemes (2026) include PM-Kisan (₹6,000/year to 11+ crore farmers), Ayushman Bharat PM-JAY (health cover up to ₹5 lakh for 55 crore poor), MGNREGA (100 days guaranteed rural employment), PMGKAY (5 kg free foodgrains to 81 crore, permanent from 2024), Jal Jeevan Mission, PMAY-Urban and Rural, PM Mudra, PM SVANidhi, PMJDY (52+ crore Jan Dhan accounts), Stand Up India, PM Vishwakarma and PM Surya Ghar.

What is the Sampoornata Abhiyan launched by NITI Aayog?

Sampoornata Abhiyan is a campaign launched by NITI Aayog on 4 July 2024 under the Aspirational Districts and Aspirational Blocks Programmes. The campaign aims to achieve "saturation" in 6 critical indicators each across 112 Aspirational Districts and 500 Aspirational Blocks within 3 months. Indicators span health, nutrition, education, agriculture and basic infrastructure, focusing on the most marginalised areas of India.

Which ministry runs MGNREGA?

The Mahatma Gandhi National Rural Employment Guarantee Act 2005 (MGNREGA) is implemented by the Ministry of Rural Development. It guarantees 100 days of wage employment per financial year to every rural household whose adult members volunteer to do unskilled manual work. The 2024-25 budget allocation was approximately ₹86,000 crore. As of 2025, ~5.5 crore households have demanded work each year.

How is PM-Kisan benefit transferred?

Under PM-Kisan Samman Nidhi (launched 24 February 2019), eligible small and marginal farmer families receive ₹6,000 per year directly into their bank accounts in three equal instalments of ₹2,000 every four months via Direct Benefit Transfer (DBT). As of the 19th instalment (Feb 2025), over 11 crore farmers have benefited, with cumulative transfers exceeding ₹3.46 lakh crore. Aadhaar linkage and land record verification are mandatory.