1. Pradhan Mantri Jan Dhan Yojana (PMJDY)
This is the world’s largest financial inclusion scheme. It allows individuals to open zero-balance bank accounts with insurance and pension benefits.
| Benefits | Eligibility |
|---|---|
| Zero balance savings account, RuPay debit card, ₹2 lakh accidental insurance, overdraft up to ₹10,000 | All Indian citizens above 10 years of age |
2. Atal Pension Yojana (APY)
A pension scheme designed for unorganized sector workers to ensure financial stability after retirement.
| Benefits | Eligibility |
|---|---|
| Pension from ₹1,000 to ₹5,000 per month after retirement; government co-contribution for eligible subscribers | Age 18–40 years; must have a bank account |
3. Pradhan Mantri Kisan Samman Nidhi (PM-Kisan)
A scheme to support small and marginal farmers with direct income transfers.
| Benefits | Eligibility |
|---|---|
| ₹6,000 annual income support paid in three installments directly to farmers’ accounts | Small and marginal farmers with cultivable land up to 2 hectares |
4. Sukanya Samriddhi Yojana (SSY)
A savings scheme for the girl child, encouraging parents to build a strong financial future for their daughters.
| Benefits | Eligibility |
|---|---|
| High interest rate (currently ~8%); tax-free maturity; investment up to ₹1.5 lakh annually under 80C | Parents/guardians of a girl child below 10 years |
5. National Pension Scheme (NPS)
A government-backed retirement savings scheme for long-term financial security.
| Benefits | Eligibility |
|---|---|
| Market-linked returns; partial withdrawal allowed; tax benefits up to ₹2 lakh | Any Indian citizen aged 18–70 years |
6. Pradhan Mantri Mudra Yojana (PMMY)
This scheme provides collateral-free loans to small businesses, startups, and entrepreneurs.
| Benefits | Eligibility |
|---|---|
| Loans up to ₹10 lakh under Shishu, Kishor, Tarun categories; low interest rates; collateral-free | Micro, small business owners, entrepreneurs, shopkeepers |
7. Stand-Up India Scheme
Aimed at promoting entrepreneurship among women and marginalized communities.
| Benefits | Eligibility |
|---|---|
| Bank loans between ₹10 lakh–₹1 crore for setting up greenfield enterprises | SC/ST and women entrepreneurs |
8. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
A life insurance scheme to provide financial support to families in case of the policyholder’s death.
| Benefits | Eligibility |
|---|---|
| Life insurance cover of ₹2 lakh at just ₹436 yearly premium | Indian citizens aged 18–50 years with a bank account |
9. Pradhan Mantri Suraksha Bima Yojana (PMSBY)
An accidental insurance scheme at very low premiums for the economically weaker sections.
| Benefits | Eligibility |
|---|---|
| Accidental death or disability cover up to ₹2 lakh at only ₹20 annual premium | Citizens aged 18–70 years with a bank account |
10. Senior Citizen Savings Scheme (SCSS)
A popular scheme for retired citizens to ensure a steady income with high interest rates.
| Benefits | Eligibility |
|---|---|
| Guaranteed quarterly interest; tax benefit under 80C; safer than market-linked products | Indian citizens aged 60 years and above |
Conclusion
These Government Finance Schemes in India 2025 aim to provide financial security to every section of society—farmers, women, workers, senior citizens, and entrepreneurs. By participating in these schemes, citizens can enjoy better savings, insurance cover, and long-term stability. If you haven’t yet, this is the right time to explore and apply for a scheme that fits your needs.
