Strong Kids = Strong Future (and Smarter Finances Later 💸)
Healthy childhood today = Lower medical costs + Better education + Higher earning power tomorrow.
🍼 1. Integrated Child Development Services
(Because growing up hungry is not a character-building exercise 🙅)
🧩 What it is
A government programme supporting children’s nutrition, health, and early learning from birth to six years.
🎁 Benefits
• Free nutritious food
• Health check-ups & growth tracking
• Pre-school education
• Support for pregnant and nursing mothers
👥 Who can avail
• Children aged 0–6 years
• Pregnant women
• Lactating mothers
📝 How to avail
Register at nearest Anganwadi Centre.
No online process required.
💡 Why it matters
Healthy kids mean lower medical expenses and better learning outcomes 📈
🍎 2. POSHAN Abhiyaan
(Because nutrition is essential 🥗)
🧩 What it is
A national mission to improve nutrition levels among children and mothers.
🎁 Benefits
• Reduced malnutrition and anaemia
• Better child growth and immunity
• Nutrition awareness for families
👥 Who can avail
• Children below six years
• Pregnant women
• Lactating mothers
📝 How to avail
Through Anganwadi Centres.
Automatically linked if enrolled in child welfare programmes.
💡 Why it matters
Good nutrition today saves hospital bills tomorrow 💰
🤰 3. Pradhan Mantri Matru Vandana Yojana
(Motherhood deserves support, not stress 💖)
🧩 What it is
A maternity benefit scheme providing financial assistance to first-time mothers.
🎁 Benefits
• Cash incentive paid in instalments
• Encourages proper rest and nutrition
• Promotes safe pregnancy practices
👥 Who can avail
• Pregnant women above 19 years
• First living child
📝 How to avail
Register at Anganwadi Centre or health facility.
Aadhaar and bank account required.
💡 Why it matters
Direct cash support reduces out-of-pocket pregnancy expenses 🏦
🏥 4. Janani Suraksha Yojana
(Safe delivery > risky delivery 😌)
🧩 What it is
A scheme promoting institutional deliveries to reduce maternal and infant mortality.
🎁 Benefits
• Cash assistance for hospital delivery
• Free delivery services in government hospitals
👥 Who can avail
• Pregnant women from low-income households
📝 How to avail
Deliver at a government health facility.
Payment credited to bank account.
💡 Why it matters
Hospital births save lives and prevent costly medical complications 🚑
👶 5. Janani Shishu Suraksha Karyakram
(Zero bill delivery? Yes, it’s real 🧾❌)
🧩 What it is
Ensures completely free delivery and newborn care in public hospitals.
🎁 Benefits
• Free normal or surgical delivery
• Free medicines, tests, food, and transport
• Free care for newborns
👥 Who can avail
• Pregnant women
• Newborn babies
📝 How to avail
Visit government hospital for delivery.
No documents required for treatment.
💡 Why it matters
No medical bills = no emergency borrowing 🧠
🏥 6. Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)
(Healthcare without financial fear 🏥💙)
🧩 What it is
A government health insurance scheme providing coverage for secondary and tertiary care hospitalisation.
🎁 Benefits
• Cashless treatment coverage
• Covers major surgeries and hospitalisation
• Nationwide portability
👥 Who can avail
• Economically vulnerable families
• Identified beneficiaries under SECC database
📝 How to avail
Check eligibility and use Ayushman card at empanelled hospitals.
💡 Why it matters
Prevents families from falling into debt due to medical emergencies 💸
🏠 7. Pradhan Mantri Awas Yojana (PMAY)
(Housing for all 🏡)
🧩 What it is
A scheme providing affordable housing to economically weaker sections.
🎁 Benefits
• Subsidy on home loans
• Financial assistance for house construction
• Support for urban and rural housing
👥 Who can avail
• Economically weaker sections
• Low and middle-income groups
📝 How to avail
Apply through official PMAY portal or local authorities.
💡 Why it matters
Reduces housing loan burden and improves living standards 🏠
👶 8. Pradhan Mantri Matru Vandana Yojana (PMMVY)
(Support for mothers, support for the future 🤱)
🧩 What it is
A maternity benefit programme providing financial assistance to pregnant and lactating women.
🎁 Benefits
• Direct cash benefit
• Nutritional support
• Encourages institutional delivery
👥 Who can avail
• Pregnant and lactating women (first live birth)
📝 How to avail
Register at Anganwadi Centre or approved health facility.
💡 Why it matters
Supports maternal health and reduces financial stress during pregnancy 💰
👴 9. Atal Pension Yojana (APY)
(Secure retirement for workers 👴💼)
🧩 What it is
A pension scheme aimed at workers in the unorganised sector.
🎁 Benefits
• Guaranteed monthly pension after 60
• Government co-contribution (eligible cases)
👥 Who can avail
• Indian citizens aged 18–40 years
• Primarily unorganised sector workers
📝 How to avail
Open APY account through bank or post office.
💡 Why it matters
Ensures financial security in old age 👵
🌾 10. Pradhan Mantri Fasal Bima Yojana (PMFBY)
(Protection for farmers 🌾🛡)
🧩 What it is
A crop insurance scheme protecting farmers against crop loss.
🎁 Benefits
• Low premium rates
• Coverage against natural calamities
• Financial compensation for crop damage
👥 Who can avail
• Farmers including sharecroppers and tenant farmers
📝 How to avail
Enroll through banks, insurance companies, or agricultural departments.
💡 Why it matters
Protects farmers from financial shocks due to crop failure 🌧
Study smart, stress less, spend less 💡📚
🏫 11. Samagra Shiksha Abhiyan
(One mission. One childhood. One solid education 🎒)
🧩 What it is
A national programme covering school education from pre-primary to Class 12.
🎁 Benefits
• Free textbooks and uniforms
• Improved school infrastructure
• Teacher training
• Support for digital learning
👥 Who can avail
• Students from pre-primary to Class 12
• Government and aided school students
📝 How to avail
Automatically available through enrolled schools.
💡 Why it matters
Reduces education costs and keeps kids in school 💰
🍛 12. Pradhan Mantri POSHAN Scheme
(Full stomachs learn better 😋📖)
🧩 What it is
A scheme providing free cooked meals to school children.
🎁 Benefits
• Nutritious meals on school days
• Improved attendance and concentration
👥 Who can avail
• Students in government and aided schools (Classes 1–8)
📝 How to avail
Available automatically through schools.
💡 Why it matters
Saves food expenses and improves learning outcomes 🍽➡📈
💻 13. Pradhan Mantri eVIDYA
(When classrooms go digital 📱)
🧩 What it is
A digital education initiative delivering learning through TV, radio, and online platforms.
🎁 Benefits
• Free digital classes
• Multiple language options
• Access to quality content anywhere
👥 Who can avail
• School students and teachers
• Learners without internet access
📝 How to avail
Through television channels, online portals, and radio.
💡 Why it matters
Cuts coaching and tuition costs 📉
🏅 14. National Means-cum-Merit Scholarship Scheme
(Smart + hardworking = rewarded 🧠✨)
🧩 What it is
A scholarship supporting meritorious students from low-income families.
🎁 Benefits
• Annual scholarship amount
• Encourages continuation of education
👥 Who can avail
• Students studying in Class 9 onwards
• Families with limited income
📝 How to avail
Apply through the National Scholarship Portal.
💡 Why it matters
Prevents dropouts due to money issues 💸❌
👧 15. Kasturba Gandhi Balika Vidyalaya
(Education that empowers girls 🚺📘)
🧩 What it is
Residential schools for girls from disadvantaged backgrounds.
🎁 Benefits
• Free education
• Free boarding and lodging
• Safe learning environment
👥 Who can avail
• Girls from marginalised communities
• Upper primary to secondary level
📝 How to avail
Admission through local education authorities.
💡 Why it matters
Breaks the cycle of poverty through education 🔓
🎀 16. National Scheme of Incentive to Girls for Secondary Education
(Stay in school, get rewarded 🎁)
🧩 What it is
Encourages girls to continue education after Class 8.
🎁 Benefits
• Financial incentive deposited in girl’s name
• Withdrawable after completing secondary education
👥 Who can avail
• Girls enrolling in Class 9
• Mainly disadvantaged sections
📝 How to avail
Through school enrolment records.
💡 Why it matters
Encourages long-term education and financial discipline 💼
🎖 17. Prime Minister Scholarship Scheme
(For families who served the nation 🇮🇳)
🧩 What it is
Scholarship for children of ex-servicemen and armed forces personnel.
🎁 Benefits
• Financial support for higher education
• Covers professional and technical courses
👥 Who can avail
• Wards and widows of ex-servicemen
📝 How to avail
Apply online through official scholarship portal.
💡 Why it matters
Reduces higher education burden for defence families 🎓
🧸 18. Prime Minister CARES for Children
(Support when life hits hard 🤍)
🧩 What it is
A welfare scheme for children who lost parents during the pandemic.
🎁 Benefits
• Financial support
• Free education
• Health insurance coverage
👥 Who can avail
• Children orphaned during the pandemic
📝 How to avail
Identified and enrolled by district authorities.
💡 Why it matters
Ensures education and security during crisis 🛡
👩🎓 19. AICTE Pragati Scholarship
(Girls in tech deserve a boost 💻🚀)
🧩 What it is
Scholarship encouraging girls to pursue technical education.
🎁 Benefits
• Annual financial assistance
• Supports tuition and academic needs
👥 Who can avail
• Girl students in technical degree or diploma courses
📝 How to avail
Apply via National Scholarship Portal.
💡 Why it matters
Makes technical education affordable for women 💡
♿ 20. AICTE Saksham Scholarship
(Ability over disability 💪🎓)
🧩 What it is
Scholarship supporting students with disabilities in technical education.
🎁 Benefits
• Financial aid for education
• Supports inclusive learning
👥 Who can avail
• Students with disabilities
• Enrolled in technical courses
📝 How to avail
Apply through National Scholarship Portal.
💡 Why it matters
Ensures equal opportunity in education ⚖
♿📚 21. Scholarships for Students with Disabilities
(Education without barriers 🚧❌)
🧩 What it is
Government scholarships supporting education of persons with disabilities.
🎁 Benefits
• Tuition support
• Maintenance allowance
• Assistive support
👥 Who can avail
• Students with certified disabilities
📝 How to avail
Apply via National Scholarship Portal.
💡 Why it matters
Promotes independence and employability 🧠💼
Empowered women build empowered economies 💼✨
🎀 22. Beti Bachao Beti Padhao
(Save the girl. School the girl. Celebrate the girl 🎉)
🧩 What it is
A national initiative promoting survival, protection, and education of the girl child.
🎁 Benefits
• Awareness on girl child rights
• Improved access to education
• Community-level support programmes
👥 Who can avail
• Girl children and their families
📝 How to avail
Implemented through schools, health centres, and local bodies.
💡 Why it matters
Educated girls earn more and manage money better 📊
🐷 23. Sukanya Samriddhi Yojana
(Small savings today, big dreams tomorrow 💰)
🧩 What it is
A government-backed savings scheme for the long-term financial security of girl children.
🎁 Benefits
• High interest savings account
• Tax benefits
• Lump sum at maturity for education or marriage
👥 Who can avail
• Girl child below 10 years
• Account opened by parent or guardian
📝 How to avail
Open account at post office or authorised bank.
💡 Why it matters
Encourages disciplined savings for future goals 🎯
🌸 24. Scheme for Adolescent Girls
(Strong girls grow into stronger women 🌱)
🧩 What it is
A scheme focusing on nutrition, health, and life skills for adolescent girls.
🎁 Benefits
• Nutritional support
• Health check-ups
• Life skills and vocational training
👥 Who can avail
• Girls aged 11–18 years
• Out-of-school and school-going girls
📝 How to avail
Register at Anganwadi Centres.
💡 Why it matters
Healthy adolescents reduce future healthcare expenses 💊❌
🌼 25. Kishori Shakti Yojana
(Confidence is the real superpower ✨)
🧩 What it is
A programme empowering adolescent girls through education and health awareness.
🎁 Benefits
• Nutrition education
• Health awareness
• Personal development support
👥 Who can avail
• Adolescent girls aged 11–18 years
📝 How to avail
Through Anganwadi Centres.
💡 Why it matters
Informed girls make smarter life and financial choices 🧠
🧭 26. Mahila Shakti Kendra
(Guidance, support, growth — all in one place 🧩)
🧩 What it is
A scheme providing women access to government services and legal support.
🎁 Benefits
• Awareness of rights and schemes
• Skill development support
• Counselling services
👥 Who can avail
• Rural women
📝 How to avail
Contact local Mahila Shakti Kendras.
💡 Why it matters
Awareness unlocks benefits that often go unused 🔓
🏠 27. Working Women Hostel Scheme
(Safe stay, stress-free work 🛏💼)
🧩 What it is
A scheme providing affordable and safe accommodation for working women.
🎁 Benefits
• Subsidised hostel facilities
• Safe living environment
• Access to daycare facilities
👥 Who can avail
• Single, working, or studying women
• Women away from hometowns
📝 How to avail
Apply directly at approved hostels.
💡 Why it matters
Cuts rent costs and enables women to work independently 💸
👩🏫 28. Support to Training and Employment Programme
(Skills that pay the bills 💻💵)
🧩 What it is
A programme providing skill training to women for employment and self-employment.
🎁 Benefits
• Skill training
• Employment assistance
• Income generation support
👥 Who can avail
• Women aged 16 years and above
📝 How to avail
Enrol through recognised training centres.
💡 Why it matters
Skills lead to stable income and financial confidence 💪
🚨 29. One Stop Centre Scheme
(One place. All support. No judgement 🤍)
🧩 What it is
A scheme providing integrated support to women affected by violence.
🎁 Benefits
• Medical assistance
• Legal aid
• Counselling and shelter
👥 Who can avail
• Women facing domestic or social violence
📝 How to avail
Walk-in at One Stop Centres or helpline referral.
💡 Why it matters
Safety is the foundation of independence 🛡
🛍 30. Mahila E-Haat
(From home-maker to money-maker 🛒✨)
🧩 What it is
An online platform for women entrepreneurs to sell products and services.
🎁 Benefits
• Zero-cost digital marketplace
• Direct access to buyers
• Promotes women-led businesses
👥 Who can avail
• Women entrepreneurs and self-help groups
📝 How to avail
Register on the Mahila E-Haat portal.
💡 Why it matters
Digital access expands income opportunities 🌐💰
🔥 31. Pradhan Mantri Ujjwala Yojana
(Clean cooking, clear savings 🧯)
🧩 What it is
A scheme providing free cooking gas connections to women from low-income households.
🎁 Benefits
• Free gas connection
• Subsidised gas cylinders
• Health and time savings
👥 Who can avail
• Adult women from economically weaker households
📝 How to avail
Apply through authorised gas distributors.
💡 Why it matters
Healthier kitchens mean fewer medical expenses 🏥➡💸
“Learn skills. Get hired. Get paid. Repeat 🔁 💰 ”
🛠 32. Skill India Mission
(Degrees are cool. Skills pay bills 😎 )
🧩 What it is
A national mission to train youth with industry-relevant skills.
🎁 Benefits
• Free or subsidised skill training
• Industry-recognised certification
• Improved job readiness
👥 Who can avail
• Youth and working-age individuals
📝 How to avail
• Enrol through approved training centres or portals
💡 Why it matters
Employable skills increase income potential 📈
🎓 33. Pradhan Mantri Kaushal Vikas Yojana
(Training that actually leads to jobs 🎯 )
🧩 What it is
A flagship skill training scheme under Skill India focusing on short-term courses.
🎁 Benefits
• Free skill training
• Assessment and certification
• Placement assistance
👥 Who can avail
• School dropouts
• Unemployed youth
📝 How to avail
• Register at authorised training centres
💡 Why it matters
Certified skills open doors to formal jobs 🚪
🧑🏭 34. National Apprenticeship Promotion Scheme
(Earn while you learn 💼 📚 )
🧩 What it is
A scheme promoting apprenticeship training in industries.
🎁 Benefits
• Monthly stipend
• On-the-job training
• Industry exposure
👥 Who can avail
• Youth seeking practical work experience
📝 How to avail
• Apply through approved apprenticeship portals
💡 Why it matters
Real work experience improves hiring chances 🎯
🏭 35. National Apprenticeship Training Scheme
(Classroom meets workplace 🧠 🤝 )
🧩 What it is
A programme offering apprenticeship training for graduates and diploma holders.
🎁 Benefits
• Paid training
• Skill enhancement
• Industry-recognised experience
👥 Who can avail
• Graduate and diploma students
📝 How to avail
• Apply through the official apprenticeship platform
💡 Why it matters
Bridges the gap between education and employment 🌉
🚀 36. Pradhan Mantri YUVA Yojana
(Entrepreneurship starts early 🔥 )
🧩 What it is
A scheme to promote entrepreneurship education among youth.
🎁 Benefits
• Business training
• Mentorship support
• Startup guidance
👥 Who can avail
• Students and young entrepreneurs
📝 How to avail
• Enrol through participating institutions
💡 Why it matters
Entrepreneurship creates income and jobs 💡 💼
💡 37. Startup India
(From idea to income 💭 ➡ 💰 )
🧩 What it is
A government initiative supporting startups and innovation.
🎁 Benefits
• Tax benefits
• Funding support
• Simplified compliance
👥 Who can avail
• New businesses and startups
📝 How to avail
• Register on the Startup India portal
💡 Why it matters
Encourages wealth creation and innovation 📊
🏦 38. Stand-Up India
(Businesses led by first-timers 🚀 )
🧩 What it is
A scheme promoting entrepreneurship among women and disadvantaged communities.
🎁 Benefits
• Bank loans for new businesses
• Financial and handholding support
👥 Who can avail
• Women entrepreneurs
• Entrepreneurs from underrepresented communities
📝 How to avail
• Apply through scheduled commercial banks
💡 Why it matters
Access to credit turns ideas into income 💸
🧑💼 39. Pradhan Mantri Internship Scheme
(Experience before experience is required 😅 )
🧩 What it is
A scheme providing internship opportunities to youth.
🎁 Benefits
• Hands-on work exposure
• Skill development
• Career clarity
👥 Who can avail
• Students and recent graduates
📝 How to avail
• Apply through official internship portals
💡 Why it matters
Internships improve employability fast ⚡
🌐 40. Digital India Internship Scheme
(Learn governance, go digital 🖥 )
🧩 What it is
An internship programme offering exposure to digital governance projects.
🎁 Benefits
• Monthly stipend
• Real-time project experience
• Government exposure
👥 Who can avail
• Undergraduate and postgraduate students
📝 How to avail
• Apply through the Digital India portal
💡 Why it matters
Adds strong value to resumes 📄 ✨
🧭 41. National Career Service
(Because job hunting needs direction 🧭 )
🧩 What it is
An online career and employment facilitation platform.
🎁 Benefits
• Job listings
• Career counselling
• Skill guidance
👥 Who can avail
• Job seekers
• Employers
📝 How to avail
• Register on the National Career Service portal
💡 Why it matters
Better job matching saves time and effort ⏳
Because income should come with insurance 🛡 💰
🧾 42. e-Shram Portal
(Your work deserves an identity 📇 )
🧩 What it is
A national database to register unorganised sector workers.
🎁 Benefits
• Official worker identification number
• Access to social security schemes
• Accident insurance coverage
👥 Who can avail
• Unorganised workers
• Gig workers, domestic workers, street vendors
📝 How to avail
• Register online or at Common Service Centres
💡 Why it matters
Registration unlocks future benefits and protection 🔓
👵 43. Pradhan Mantri Shram Yogi Maandhan
(Work today, pension tomorrow 👴 )
🧩 What it is
A voluntary pension scheme for unorganised workers.
🎁 Benefits
• Monthly pension after age sixty
• Government co-contribution
👥 Who can avail
• Unorganised workers aged 18–40 years
📝 How to avail
• Enrol through Common Service Centres
💡 Why it matters
Ensures income security in old age 🧓 💰
🪙 44. National Social Assistance Programme
(Support when life slows down 🤍 )
🧩 What it is
A welfare programme providing financial assistance to vulnerable groups.
🎁 Benefits
• Old age pension
• Widow pension
• Disability pension
👥 Who can avail
• Elderly, widows, and persons with disabilities from low-income households
📝 How to avail
• Apply through local government offices
💡 Why it matters
Regular support prevents extreme financial distress 🛑
🚧 45. Pradhan Mantri Garib Kalyan Rozgar Abhiyaan
(Jobs where people need them most 🏗 )
🧩 What it is
An employment programme focused on providing work in rural areas.
🎁 Benefits
• Wage employment
• Skill-based work opportunities
👥 Who can avail
• Migrant workers
• Rural unemployed workers
📝 How to avail
• Register with local administration
💡 Why it matters
Income stability reduces forced migration 💼 ➡ 🏡
🧱 46. Building & Construction Workers Welfare Schemes
(Hard hats deserve hard support 🪖 )
🧩 What it is
A set of welfare schemes for construction workers.
🎁 Benefits
• Health and accident cover
• Education assistance for children
• Pension and maternity support
👥 Who can avail
• Registered construction workers
📝 How to avail
• Register with the state welfare board
💡 Why it matters
Protects workers in high-risk jobs 🛡
🧑🔧 47. Pradhan Mantri Vishwakarma Yojana
(Traditional skills, modern income 🔨 ✨ )
🧩 What it is
A scheme supporting artisans and craftsmen with tools, training, and credit.
🎁 Benefits
• Skill training
• Toolkits
• Easy access to loans
👥 Who can avail
• Artisans and traditional craftsmen
📝 How to avail
• Register through Common Service Centres
💡 Why it matters
Upgrading skills boosts earning capacity 📈
Secure today. Sleep better tomorrow 😴 💸
Financial security today = Peace of mind + Stable retirement + Protected family tomorrow.
🏦 48. Pradhan Mantri Jan Dhan Yojana
(Your first step into the banking world 👣 💳 )
🧩 What it is
A national programme to provide every household access to a basic bank account.
🎁 Benefits
• Zero-balance bank account
• Debit card facility
• Accident insurance cover
• Direct transfer of government benefits
👥 Who can avail
• Any Indian citizen without a bank account
📝 How to avail
Visit a bank branch or banking correspondent.
Identity and address proof required.
💡 Why it matters
A bank account is the gateway to all financial schemes 🔑
👴 49. Atal Pension Yojana
(Because retirement needs planning, not praying 🙏 ➡ 📊 )
🧩 What it is
A government-backed pension scheme for long-term income security.
🎁 Benefits
• Guaranteed monthly pension after age sixty
• Government contribution for eligible subscribers
👥 Who can avail
• Citizens aged 18–40 years
• Bank account holders
📝 How to avail
Enrol through bank branch.
Monthly auto-debit contribution.
💡 Why it matters
Small savings today ensure dignity in old age 🧓 💰
❤ 50. Pradhan Mantri Jeevan Jyoti Bima Yojana
(Life insurance at the price of a pizza 🍕 ➡ 🛡 )
🧩 What it is
A low-cost life insurance scheme providing financial protection to families.
🎁 Benefits
• Life insurance cover
• Affordable annual premium
• Direct claim settlement
👥 Who can avail
• Citizens aged 18–50 years
• Bank account holders
📝 How to avail
Enrol through bank branch.
Premium auto-debited annually.
💡 Why it matters
Protects family finances in case of unexpected loss 💔 ➡ 💸
🚑 51. Pradhan Mantri Suraksha Bima Yojana
(Accidents don’t warn, insurance helps 🚨 )
🧩 What it is
An accidental insurance scheme offering protection against death or disability.
🎁 Benefits
• Accident insurance cover
• Very low annual premium
• Covers disability and death
👥 Who can avail
• Citizens aged 18–70 years
• Bank account holders
📝 How to avail
Enrol through bank branch.
Annual auto-debit of premium.
💡 Why it matters
Prevents sudden accidents from becoming financial disasters 🧠
👵 52. Senior Citizens Savings Scheme
(Safe returns for golden years ✨ )
🧩 What it is
A government savings scheme offering regular income to senior citizens.
🎁 Benefits
• Guaranteed returns
• Quarterly interest payout
• Tax benefits available
👥 Who can avail
• Citizens aged 60 years and above
• Retired individuals
📝 How to avail
Open account at post office or authorised bank.
💡 Why it matters
Ensures stable income after retirement 📅 💰
Good health = less hospital bills = more peace 😌 💸
Healthy families today = Lower emergency expenses + Protected savings + Stress-free future.
🏥 53. Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana
(India’s biggest health shield 🛡 🩺 )
🧩 What it is
A government health insurance scheme providing free hospital treatment to economically vulnerable families.
🎁 Benefits
• Cashless hospital treatment
• Covers major surgeries and treatments
• Includes pre-hospitalisation and post-hospitalisation care
👥 Who can avail
• Low-income families identified through government records
• No age limit, no family size limit
📝 How to avail
Check eligibility at authorised hospitals or government portal.
Use identification document at empanelled hospitals.
💡 Why it matters
Prevents medical emergencies from wiping out lifetime savings 💔 ➡ 💸
👴 54. Ayushman Bharat – Senior Citizen Coverage
(Health care after 60? Sorted. ✅ )
🧩 What it is
Extended healthcare coverage for elderly citizens under Ayushman Bharat.
🎁 Benefits
• Free treatment for age-related illnesses
• Coverage for chronic diseases
• Cashless hospitalisation
👥 Who can avail
• Senior citizens aged 60 years and above
• Eligible families under Ayushman Bharat
📝 How to avail
Visit empanelled hospitals.
Use identity proof for verification.
💡 Why it matters
Old age should mean rest, not hospital stress 🧓 💙
🧓 55. National Programme for Health Care of Elderly
(Because ageing needs care, not neglect 🤍 )
🧩 What it is
A healthcare programme focused on preventive and curative care for senior citizens.
🎁 Benefits
• Free health check-ups
• Special geriatric clinics
• Treatment at government hospitals
👥 Who can avail
• Senior citizens aged 60 years and above
📝 How to avail
Visit government hospitals or health centres.
Register for geriatric health services.
💡 Why it matters
Early care reduces medical costs later 📉 🏥
“Because dignity begins at home 🏡 💙 ”
🏡 56.
Pradhan Mantri Awas Yojana (Urban)
(A pucca home inside the city 🏙 ➡ 🏠 )
🧩 What it is
A housing scheme to provide affordable permanent houses to urban poor families.
🎁 Benefits
• Financial assistance for house construction or purchase
• Interest subsidy on home loans
• Women ownership preference
👥 Who can avail
• Low-income urban households
• Families without permanent houses
📝 How to avail
• Apply through municipal body or housing portal
• Submit income and identity documents
💡 Why it matters
Rent drains money. Ownership builds wealth 💰 ➡ 🏡
🌾 57.
Pradhan Mantri Awas Yojana (Gramin)
(Strong homes for rural India 🧱 🌾 )
🧩 What it is
A rural housing scheme providing permanent homes to eligible rural households.
🎁 Benefits
• Direct financial support for house construction
• Additional support for toilets and clean fuel
• Employment through local labour
👥 Who can avail
• Rural families without permanent houses
📝 How to avail
• Selection through village and government surveys
• Assistance transferred directly to bank account
💡 Why it matters
A safe house means safety, health, and dignity 🛖 ➡ 🏠
🚽 58.
Swachh Bharat Mission
(Clean India, healthy savings 🧼 🇮🇳 )
🧩 What it is
A national mission to eliminate open defecation and improve sanitation.
🎁 Benefits
• Financial assistance for household toilets
• Cleaner surroundings
• Reduced health expenses
👥 Who can avail
• Households without toilets
• Urban and rural beneficiaries
📝 How to avail
• Apply through local government bodies
• Verification and subsidy transfer
💡 Why it matters
Sanitation saves medical costs before they start 💊 ❌
🚰 59.
Jal Jeevan Mission
(Tap water at home = time + money saved 💧 ⏳ )
🧩 What it is
A mission to provide clean drinking water to every household.
🎁 Benefits
• Household tap water connection
• Safe and potable water
• Reduced water-borne diseases
👥 Who can avail
• Rural and selected urban households
📝 How to avail
• Implemented through local water authorities
• Community participation
💡 Why it matters
Clean water prevents expensive illnesses 🧠 💧
💡 60.
Saubhagya Yojana
(Light up every home 🔌 ✨ )
🧩 What it is
A scheme to provide electricity connections to all households.
🎁 Benefits
• Free or subsidised electricity connection
• Improved education and safety
• Better quality of life
👥 Who can avail
• Households without electricity
📝 How to avail
• Apply through electricity distribution offices
• Verification and installation
💡 Why it matters
Electricity enables education, work, and income 📚 💼
🌆 61.
Atal Mission for Rejuvenation and Urban Transformation
(Better cities, better living 🌇 💙 )
🧩 What it is
An urban development programme to improve water supply, sewerage, and green spaces.
🎁 Benefits
• Improved public utilities
• Better roads and parks
• Sustainable city infrastructure
👥 Who can avail
• Residents of selected cities
📝 How to avail
• Implemented through municipal authorities
💡 Why it matters
Strong infrastructure reduces daily living costs 📉 🏙
“Strong farmers = strong food security = strong economy 🌱 💰 ”
🌾 62. Pradhan Mantri Kisan Samman Nidhi
(Respect + support for the food providers 🙏 🌾 )
🧩 What it is
A direct income support scheme for farmers to help them meet agricultural and household expenses.
🎁 Benefits
• Guaranteed annual income support paid in instalments
• Direct transfer to bank account
• Helps with seeds, fertilisers, and daily farm needs
👥 Who can avail
• Small and marginal landholding farmers
• Families owning cultivable land
📝 How to avail
• Register through local agriculture office or official portal
• Land records and bank account required
💡 Why it matters
Provides financial stability and reduces dependence on informal loans 💸 ❌
🌧 63. Pradhan Mantri Fasal Bima Yojana
(When crops fail, insurance doesn’t 🌾 ➡ 🛡 )
🧩 What it is
A crop insurance scheme protecting farmers against losses due to natural calamities.
🎁 Benefits
• Insurance coverage for crop damage
• Low premium contribution by farmers
• Covers floods, droughts, pests, and diseases
👥 Who can avail
• Farmers growing notified crops
• Loanee and non-loanee farmers
📝 How to avail
• Enrol through banks, common service centres, or agriculture offices
• Crop details required
💡 Why it matters
Protects farmers from financial ruin due to unpredictable weather 🌦 📉
🚜 64. Pradhan Mantri Krishi Sinchai Yojana
(Every drop counts 💧 🌱 )
🧩 What it is
A scheme focused on improving irrigation efficiency and water availability for farms.
🎁 Benefits
• Expansion of irrigation coverage
• Support for micro-irrigation methods
• Improved crop productivity
👥 Who can avail
• Farmers dependent on rain-fed agriculture
📝 How to avail
• Apply through state agriculture departments
• Field verification and implementation
💡 Why it matters
Reliable irrigation means stable yields and income 📈 🌾
☀ 65. Pradhan Mantri Kisan Urja Suraksha Evam Utthaan Mahabhiyan
(Solar power meets farming power 🌞 🚜 )
🧩 What it is
A scheme promoting solar energy use in agriculture.
🎁 Benefits
• Subsidised solar-powered irrigation pumps
• Reduced electricity bills
• Opportunity to sell surplus solar power
👥 Who can avail
• Farmers with agricultural land
• Farmer groups and cooperatives
📝 How to avail
• Apply through state renewable energy agencies
• Land and pump requirement verification
💡 Why it matters
Cuts energy costs and supports sustainable farming ♻ 🌱
🧪 66. Soil Health Card Scheme
(Healthy soil = healthy income 🌍 💚 )
🧩 What it is
A scheme that provides farmers with soil quality reports and crop advice.
🎁 Benefits
• Soil nutrient analysis
• Crop-specific fertiliser recommendations
• Improved crop yield and soil health
👥 Who can avail
• All farmers
📝 How to avail
• Soil samples collected through agriculture offices
• Soil health card issued periodically
💡 Why it matters
Prevents overuse of fertilisers and reduces costs 📉 🌾
🛒 67. National Agriculture Market
(One nation, one market 🏪 ➡ 🌍 )
🧩 What it is
An online trading platform connecting farmers to multiple agricultural markets.
🎁 Benefits
• Transparent price discovery
• Access to national buyers
• Reduced dependence on middlemen
👥 Who can avail
• Farmers, traders, and producer organisations
📝 How to avail
• Register at authorised market yards
• Online bidding and payment system
💡 Why it matters
Farmers earn fair prices for their produce 💰 ⚖
🐟 68. Pradhan Mantri Matsya Sampada Yojana – Nucleus Breeding Centre
(Blue economy, bright future 🐟 💙 )
🧩 What it is
A fisheries development scheme focused on high-quality fish seed production.
🎁 Benefits
• Improved fish breeding infrastructure
• Higher fish productivity
• Employment generation in rural areas
👥 Who can avail
• Fish farmers and cooperatives
• Fisheries entrepreneurs
📝 How to avail
• Apply through fisheries department
• Project approval and subsidy support
💡 Why it matters
Boosts income diversification beyond traditional farming 🌊 💼
🐄 69. National Livestock Mission
(Milk, meat, eggs = steady rural income 🥛 🍗 🥚 )
🧩 What it is
A mission to improve productivity, health, and income from livestock farming.
🎁 Benefits
• Financial support for dairy, poultry, sheep, and goat farming
• Breed improvement and animal health services
• Training and skill development for livestock farmers
👥 Who can avail
• Livestock farmers
• Farmer producer groups
• Self-help groups and cooperatives
📝 How to avail
• Apply through state animal husbandry department
• Project proposal and eligibility verification
💡 Why it matters
Livestock provides daily income, unlike seasonal crops 📅 💸
🐮 70. Rashtriya Gokul Mission
(Better cows, better milk, better money 🐄 ➡ 🥛 ➡ 💰 )
🧩 What it is
A programme focused on conservation and genetic improvement of indigenous cattle breeds.
🎁 Benefits
• Higher milk yield from native breeds
• Artificial insemination and breeding support
• Disease resistance and lower maintenance cost
👥 Who can avail
• Dairy farmers
• Cattle rearers
📝 How to avail
• Services provided through veterinary centres
• Breed development programmes in villages
💡 Why it matters
Indigenous breeds mean lower cost + long-term sustainability 🌱
🌳 71. Pradhan Mantri Van Dhan Yojana
(Forest produce → tribal prosperity 🌿 🧺 )
🧩 What it is
A scheme to enhance income of tribal communities through value addition of forest produce.
🎁 Benefits
• Processing, branding, and marketing support
• Formation of Van Dhan groups
• Skill training and infrastructure
👥 Who can avail
• Tribal gatherers of minor forest produce
• Tribal self-help groups
📝 How to avail
• Through tribal welfare departments
• Formation of cluster-based enterprises
💡 Why it matters
Turns raw forest produce into market-ready products 🏷 📦
🌴 72. National Mission on Edible Oils – Oil Palm
(Less imports, more farmer income 🌴 🛢 )
🧩 What it is
A mission to boost domestic production of edible oils through oil palm cultivation.
🎁 Benefits
• Financial assistance for plantation
• Long-term assured market
• Higher income per hectare
👥 Who can avail
• Farmers with suitable land
• Farmer producer organisations
📝 How to avail
• Apply through agriculture department
• Land suitability assessment
💡 Why it matters
Reduces dependency on imports and increases farmer profits 📉 ➡ 📈
🧾 73. Kisan Rin Portal, Agricultural Produce Market Regulation Act, Agricultural Technology Management Agency, Primary Agricultural Credit Societies
🌐 Kisan Rin Portal
🧩 Digital platform to help farmers access institutional credit.
🎁 Faster loan processing, transparency.
🏪 Agricultural Produce Market Regulation Act
🧩 Regulates agricultural markets to protect farmers from exploitation.
🎁 Fair pricing and regulated trade practices.
🚜 Agricultural Technology Management Agency
🧩 Provides agricultural extension services and training.
🎁 Better farming practices and technology adoption.
🏦 Primary Agricultural Credit Societies
🧩 Village-level cooperative credit institutions.
🎁 Easy access to crop loans and inputs.
💡 Why it matters
Together, these systems ensure credit + knowledge + fair markets 💡 💰
🏭 74. Production Linked Incentive Scheme
(Make in India, earn in India 🇮🇳 🏗 )
🧩 What it is
A scheme encouraging domestic manufacturing by rewarding increased production.
🎁 Benefits
• Financial incentives based on output
• Boosts job creation
• Strengthens industrial competitiveness
👥 Who can avail
• Manufacturing companies
• Sector-specific eligible firms
📝 How to avail
• Apply through concerned ministry
• Meet production and investment targets
💡 Why it matters
More factories mean more jobs and stronger economy 💼 📈
“No hunger. No stress. Better decisions. 🧠 🍽 ”
🍚 75. Pradhan Mantri Garib Kalyan Anna Yojana
(Food first, worries later 🛡 🍛 )
🧩 What it is
A food security programme ensuring free food grains to economically vulnerable households during difficult times.
🎁 Benefits
• Free food grains every month
• Direct distribution through ration shops
• Supports household food expenses
👥 Who can avail
• Low-income households
• Families holding ration cards under food security categories
📝 How to avail
• Collect food grains from local ration shop
• Ration card and biometric verification required
💡 Why it matters
Ensures families don’t choose between food and essentials 💔 ❌
📜 76. National Food Security Act Schemes
(Legal right to food 🍞 ⚖ )
🧩 What it is
A law-backed framework guaranteeing subsidised food grains to eligible households.
🎁 Benefits
• Monthly supply of rice, wheat, or coarse grains
• Nutritional support for women and children
• Transparent public distribution system
👥 Who can avail
• Identified priority households
• Antyodaya households (poorest families)
📝 How to avail
• Ration card issued by state government
• Monthly collection from authorised ration shop
💡 Why it matters
Transforms food support from charity into a right 🧾 🍚
👴 77. Annapurna Scheme
(No senior sleeps hungry 🧓 ❤ )
🧩 What it is
A food support scheme for elderly citizens without regular income.
🎁 Benefits
• Monthly supply of free food grains
• Covers senior citizens not receiving pensions
• Delivered through ration system
👥 Who can avail
• Citizens aged 65 years and above
• Senior citizens without stable income support
📝 How to avail
• Register through local government office
• Identity and age verification required
💡 Why it matters
Old age should bring respect, not hunger 🤍 🍽
“Clear money. Clear care. Clear dignity. 💸 🧓 ”
💰 78. Pradhan Mantri Vaya Vandana Yojana
(Guaranteed pension, no market tension 😌 )
🧩 What it is
A government-backed pension scheme offering assured returns to senior citizens.
💵 Important Amount Details
• Maximum investment: ₹15 lakh per senior citizen
• Monthly pension: Up to approximately ₹9,250
• Annual pension: Up to approximately ₹1.11 lakh
• Policy term: 10 years
🎁 Benefits
• Fixed pension regardless of market conditions
• Option for monthly, quarterly, half-yearly, or yearly pension
• Return of purchase price after maturity
👥 Who can avail
• Indian citizens aged 60 years and above
📝 How to avail
• Purchase through authorised insurance providers
• One-time lump sum payment
💡 Why it matters
Acts like a salary after retirement 🧾 💰
🧓 79. Indira Gandhi National Old Age Pension Scheme
(Small amount, big relief 🤍 )
🧩 What it is
A social assistance pension for elderly citizens living in poverty.
💵 Important Amount Details
• Ages 60–79: ₹200 per month
• Ages 80 and above: ₹500 per month
• States often add extra top-up amounts
🎁 Benefits
• Monthly cash support
• Direct transfer to bank or post office account
👥 Who can avail
• Citizens aged 60 years and above
• Below poverty line households
📝 How to avail
• Apply at local government or rural development office
💡 Why it matters
Covers basic daily needs like food and medicines 💊 🍚
🦽 80. Rashtriya Vayoshri Yojana
(Support devices worth thousands — free 🦯 🦽 )
🧩 What it is
Provides assistive devices to elderly citizens with disabilities.
💵 Important Amount Details
• Device value: Up to ₹10,000 per beneficiary
• Includes walking sticks, wheelchairs, hearing aids, spectacles
🎁 Benefits
• Free distribution
• Improves mobility and independence
👥 Who can avail
• Senior citizens aged 60+
• Income below ₹15,000 per month
📝 How to avail
• Identified through local authorities
• Distribution via camps
💡 Why it matters
Mobility = independence = dignity 🧠 💪
🏥 81. National Programme for Health Care of the Elderly
(Healthcare without heavy bills 🩺 )
🧩 What it is
Public healthcare programme dedicated to senior citizens.
💵 Important Amount Details
• Free outpatient consultations
• Free medicines at government hospitals
• Subsidised diagnostics and treatment
🎁 Benefits
• Geriatric clinics
• Preventive and curative services
👥 Who can avail
• All citizens aged 60 years and above
📝 How to avail
• Visit government hospitals or community health centres
💡 Why it matters
Prevents hospital expenses from draining savings 💸 ❌
🏡 82. Integrated Programme for Older Persons
(Care when family support is missing 🤍 )
🧩 What it is
Supports institutions providing shelter, care, and emotional support.
💵 Important Amount Details
• Government provides grants to old-age homes
• Covers food, accommodation, medical care, and recreation
🎁 Benefits
• Residential care
• Day-care centres
• Counselling services
👥 Who can avail
• Destitute and vulnerable senior citizens
📝 How to avail
• Referral through social welfare departments
💡 Why it matters
Loneliness is a hidden financial and mental cost 🫂
💼 83. Varishtha Pension Bima Yojana
(Old but gold retirement plan ✨ )
🧩 What it is
An insurance-based pension scheme for senior citizens.
💵 Important Amount Details
• Maximum investment: ₹15 lakh
• Monthly pension: Around ₹9,250
• Policy term: 10 years
🎁 Benefits
• Guaranteed pension
• Return of principal after maturity
👥 Who can avail
• Citizens aged 60 years and above
📝 How to avail
• Purchase through insurance offices
💡 Why it matters
Locks income certainty for a full decade 🔐 📆
🏦 84. Senior Citizens Savings Scheme
(Most trusted retirement saver 🏦 💛 )
🧩 What it is
A government savings scheme offering safe and regular income.
💵 Important Amount Details
• Minimum investment: ₹1,000
• Maximum investment: ₹30 lakh
• Interest payout: Quarterly
• Tenure: 5 years (extendable)
🎁 Benefits
• Guaranteed returns
• Partial withdrawal allowed
• Income tax benefits available
👥 Who can avail
• Citizens aged 60+
• Retired individuals aged 55+ (under conditions)
📝 How to avail
• Open account at post office or authorised bank
💡 Why it matters
Combines safety + income + flexibility 🛡 💰
“Disability is not inability — barriers are. Let’s remove them 🧠 💪 ”
🤝 85. Deendayal Disabled Rehabilitation Scheme
(Support beyond money — skills, care & dignity 🌱 )
🧩 What it is
A central scheme that financially supports organisations working for rehabilitation, education, and skill development of persons with disabilities.
💵 Important Amount Details
• Government grant: Up to 90% of project cost
• Coverage includes:
• Education and training
• Physiotherapy and rehabilitation
• Vocational skill development
• Remaining cost borne by implementing organisation
🎁 Benefits
• Access to rehabilitation services
• Skill training for self-employment or jobs
• Residential and non-residential care
👥 Who can avail
• Persons with disabilities (through registered organisations)
• Children and adults with benchmark disabilities
📝 How to avail
• Enrol through government-recognised rehabilitation centres
• Institutions apply for grants on behalf of beneficiaries
💡 Why it matters
Skills + care = long-term independence, not charity 🔑
🦽 86. Assistance to Disabled Persons for Purchase of Aids and Appliances Scheme
(Mobility, hearing, vision — restored 🦯 🦻 👓 )
🧩 What it is
A scheme providing free or subsidised assistive devices to persons with disabilities.
💵 Important Amount Details
• Devices worth up to: ₹10,000 per beneficiary
• For children: Up to ₹20,000 (in special cases)
• Devices include:
• Wheelchairs
• Hearing aids
• Artificial limbs
• Spectacles and crutches
🎁 Benefits
• Improves physical independence
• Enhances education and employability
• One-time or replacement support
👥 Who can avail
• Persons with disabilities having 40% or more disability
• Monthly income:
• Up to ₹30,000 (varies by category)
📝 How to avail
• Apply through disability camps or district offices
• Disability certificate required
💡 Why it matters
A wheelchair can unlock education, work, and freedom 🚀
🏛 87. Sugamya Bharat Abhiyan
(Accessibility is a right, not a favour 🧑🦯 🏙 )
🧩 What it is
A nationwide mission to make public spaces, transport, and digital platforms accessible to persons with disabilities.
💵 Important Amount Details
• Government-funded infrastructure upgrades
• No direct cash transfer to individuals
• Covers:
• Ramps, lifts, tactile paths
• Accessible toilets
• Accessible government websites and apps
🎁 Benefits
• Easier access to offices, schools, hospitals
• Independent mobility
• Inclusive digital access
👥 Who can avail
• All persons with disabilities
• Elderly and temporarily disabled persons also benefit
📝 How to avail
• Automatically implemented in public infrastructure
• Citizens can report accessibility gaps
💡 Why it matters
Access = participation = dignity ♿ ➡ 🌍
🆔 88. Unique Disability Identity Card
(One card. Many benefits. Zero confusion 🧾 ✨ )
🧩 What it is
A single national identity card for persons with disabilities, valid across India.
💵 Important Amount Details
• Cost: Free
• Enables access to all disability-related schemes and benefits
🎁 Benefits
• Digital disability certificate
• Avoids repeated medical assessments
• Accepted across states and schemes
👥 Who can avail
• Persons with 40% or more certified disability
📝 How to avail
• Apply online through the disability portal
• Medical assessment at designated hospitals
💡 Why it matters
Identity unlocks rights, schemes, and respect 🔓
💻 89. Digital India
(From paperwork to one-click India 📱 ➡ 🧠 )
🧩 What it is
A national mission to transform India into a digitally empowered society and knowledge economy.
🎁 Benefits
• Online government services and applications
• Digital payments and banking access
• Internet connectivity in rural areas
• Expansion of online education and telemedicine
👥 Who can avail
• All citizens
• Students, entrepreneurs, senior citizens, rural households
📝 How to avail
• Access official government portals and mobile apps
• Use digital payment platforms and service centres
💡 Why it matters
Digital access reduces travel, time, corruption, and transaction costs 💸 📉
🏭 90. Make in India
(Manufacture here. Prosper here 🏗 🇮🇳 )
🧩 What it is
An initiative encouraging companies to manufacture products within India.
🎁 Benefits
• Incentives and policy support for industries
• Industrial expansion and factory growth
• Increased employment opportunities
👥 Who can avail
• Manufacturing companies
• Workers, engineers, and technicians
📝 How to avail
• Businesses apply through concerned ministries
• Meet investment and production requirements
💡 Why it matters
More production = more jobs = more income stability 💼 📈
🇮🇳 91. Atmanirbhar Bharat
(Self-reliance is the new strength 💪 )
🧩 What it is
A comprehensive economic vision to make India self-reliant across sectors.
🎁 Benefits
• Credit support for small businesses
• Sector-wise reforms and stimulus packages
• Promotion of domestic industries
👥 Who can avail
• Entrepreneurs
• MSMEs and startups
• Workers and professionals
📝 How to avail
• Access government-backed credit schemes
• Participate in domestic supply chains
💡 Why it matters
Stronger local industries protect jobs during global crises 🌍 ⚠
🚛 92. PM Gati Shakti – National Master Plan
(Fast roads. Faster growth 🚄 🛣 )
🧩 What it is
A national infrastructure planning initiative integrating transport, logistics, and utilities.
🎁 Benefits
• Faster infrastructure project execution
• Reduced logistics and transport costs
• Improved connectivity across regions
👥 Who can avail
• Businesses
• Farmers
• Consumers and job seekers
📝 How to avail
• Benefits occur through improved infrastructure development
• Participation via economic and business activities
💡 Why it matters
Lower logistics cost reduces prices of goods and services 📦 ⬇ 💸
🛍 93. Vocal for Local
(Buy Indian. Build Indian 🧵 🇮🇳 )
🧩 What it is
A movement encouraging citizens to support locally made products and services.
🎁 Benefits
• Boosts local businesses and artisans
• Preserves traditional skills
• Creates employment within communities
👥 Who can avail
• Small businesses
• Artisans and self-employed individuals
• Local manufacturers
📝 How to avail
• Choose locally made products
• Promote Indian brands and services
💡 Why it matters
Money spent locally circulates within the economy 🔄 💰
📚 94. National Education Policy (NEP 2020)
(Learning for life, not just exams 🎓 🧠 )
🧩 What it is
A comprehensive reform of India’s education system from school to higher education.
🎁 Benefits
• Skill-based and flexible learning pathways
• Emphasis on critical thinking
• Vocational exposure from early stages
• Multidisciplinary higher education
👥 Who can avail
• Students
• Teachers and educational institutions
• Parents
📝 How to avail
• Enrol in institutions implementing NEP curriculum
• Access digital and skill-based programmes
💡 Why it matters
Better education leads to better jobs and higher lifetime income 📈 🎓
🌱 95. Mission LiFE (Lifestyle for Environment)
(Small habits. Big planet impact 🌍 💚 )
🧩 What it is
A movement promoting environmentally responsible lifestyle choices.
🎁 Benefits
• Encourages energy and water conservation
• Reduces waste and promotes recycling
• Supports sustainable consumption habits
👥 Who can avail
• All citizens
• Households, students, communities
📝 How to avail
• Use energy-efficient appliances
• Reduce plastic usage
• Save electricity and water
💡 Why it matters
Lower resource use means lower monthly expenses 💸 📉
🏙 96. Smart Cities Mission
(Cities that think smart 🧠 🏙 )
🧩 What it is
A mission to develop cities with improved infrastructure, technology, and quality of life.
🎁 Benefits
• Smart traffic management systems
• Improved water and waste management
• Digital governance services
• Safer public infrastructure
👥 Who can avail
• Urban residents
• Businesses and startups
• Commuters and tourists
📝 How to avail
• Benefit from improved city services and infrastructure
• Access digital governance platforms
💡 Why it matters
Efficient cities reduce travel time and daily costs ⏱ 💰
🚛 97. Pradhan Mantri Gati Shakti National Master Plan
(One plan. Faster growth 🛣 📦 )
🧩 What it is
A digital platform integrating infrastructure planning across government ministries.
🎁 Benefits
• Faster infrastructure execution
• Reduced logistics cost
• Improved national connectivity
👥 Who can avail
• Businesses
• Farmers
• Consumers and job seekers
📝 How to avail
• Indirect benefits through improved infrastructure
• Participation in growing economic activities
💡 Why it matters
Lower logistics cost reduces price of goods and services 📦 ⬇ 💸
❤ 98. PM CARES Fund Initiatives
(Emergency response when it matters most 🚨 ❤ )
🧩 What it is
A fund created to support relief during national emergencies and disasters.
🎁 Benefits
• Medical infrastructure support
• Disaster relief assistance
• Aid to affected families
👥 Who can avail
• Disaster-affected citizens
• Healthcare institutions
• Vulnerable populations
📝 How to avail
• Support delivered through hospitals and government agencies
• Relief distributed during emergencies
💡 Why it matters
Emergency assistance prevents families from falling into poverty 🧯 💔
🌾 99. Pradhan Mantri Dhan Dhanya Yojana
(Food security with dignity 🍚 🤝 )
🧩 What it is
A welfare-focused scheme strengthening nutrition, food access, and livelihood security.
🎁 Benefits
• Food distribution and nutrition programmes
• Support for vulnerable households
• Assistance through welfare systems
👥 Who can avail
• Economically weaker households
• Priority welfare beneficiaries
📝 How to avail
• Apply through local welfare departments
• Eligibility verification required
💡 Why it matters
Food security forms the base of financial stability 🍽 ➡ 💪
👵 100. Atal Vayo Abhyuday Yojana
(Active, healthy, respected ageing 🌼 🧓 )
🧩 What it is
An umbrella scheme focused on welfare, empowerment, and dignity of senior citizens.
🎁 Benefits
• Day-care and recreation centres
• Old-age homes and shelter support
• Health, counselling, and legal aid services
👥 Who can avail
• Senior citizens aged 60 years and above
• Vulnerable and dependent elders
📝 How to avail
• Services accessed through social welfare departments
• Support via registered institutions
💡 Why it matters
Healthy ageing reduces dependency and healthcare costs 📉 ❤