Major Government Schemes in India (as of December 2025)
The Government of India has launched numerous welfare schemes to promote inclusive growth, social security, and economic development. These are categorized into Central Sector Schemes (fully funded by the Centre) and Centrally Sponsored Schemes (jointly funded by Centre and States). With over 740 Central Sector Schemes and around 65 Centrally Sponsored Schemes active, this list highlights 25 key ones across sectors, including recent launches and updates from the Union Budget 2025. For a complete database, visit MyScheme Portal. Schemes are grouped by sector for clarity, with brief details on objectives, launch year, and beneficiaries.
Agriculture & Rural Development
Scheme Name
Launch Year
Ministry/Department
Objective & Key Features
Beneficiaries
Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)
2019
Ministry of Agriculture
Provides ₹6,000 annual income support to farmers via DBT.
Small and marginal farmers (over 11 crore enrolled).
Prime Minister Dhan-Dhaanya Krishi Yojana
2025
Ministry of Agriculture
Enhances crop productivity in aspirational districts through state partnerships.
Farmers in 112 aspirational districts.
National Mission for Edible Oilseed (Aatmanirbharta in Pulses)
2025
Ministry of Agriculture
Boosts self-reliance in edible oils and pulses production.
Farmers growing oilseeds and pulses.
Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA)
2005
Ministry of Rural Development
Guarantees 100 days of wage employment per rural household.
Rural households (₹1.8 lakh crore allocation).
Pradhan Mantri Gram Sadak Yojana (PMGSY)
2000
Ministry of Rural Development
Improves rural road connectivity.
Rural populations (ongoing, ₹1.8 lakh crore invested).
Rural Prosperity and Resilience Programme
2025
Ministry of Rural Development
Multi-sectoral initiative for rural economic diversification and resilience.
Landless families and rural communities.
Health & Nutrition
Scheme Name
Launch Year
Ministry/Department
Objective & Key Features
Beneficiaries
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)
2018
Ministry of Health & Family Welfare
Health insurance up to ₹5 lakh per family for hospitalization.
50 crore+ vulnerable families (30 million+ hospitalizations).
Saksham Anganwadi and Poshan 2.0
2025
Ministry of Women & Child Development
Nutritional support via fortified foods and digital tracking.
8 crore children, 1 crore pregnant/lactating mothers, 20 lakh adolescent girls.
Jal Jeevan Mission
2019
Ministry of Jal Shakti
Provides tap water to all rural households (extended to 2028).
15 crore households (80% coverage achieved).
Education & Skill Development
Scheme Name
Launch Year
Ministry/Department
Objective & Key Features
Beneficiaries
Samagra Shiksha Abhiyan
2018
Ministry of Education
Holistic school education from pre-school to Class 12.
School students across India.
Pradhan Mantri Kaushal Vikas Yojana (PMKVY)
2015
Ministry of Skill Development
Skill training aligned with industry needs.
Youth aged 15-45 (short-term training programs).
Bharatiya Bhasha Pustak Scheme
2025
Ministry of Education
Digital Indian language books for schools and higher education.
Students in schools and universities.
One Nation One Subscription
2025
Ministry of Education
Access to global research journals via a single digital library.
Academic institutions and researchers.
Finance & Insurance
Scheme Name
Launch Year
Ministry/Department
Objective & Key Features
Beneficiaries
Pradhan Mantri Jan Dhan Yojana (PMJDY)
2014
Ministry of Finance
Financial inclusion via zero-balance bank accounts and insurance.
Unbanked adults (50 crore+ accounts).
Atal Pension Yojana (APY)
2015
Ministry of Finance
Guaranteed pension of ₹1,000-₹5,000/month post-60.
Unorganized sector workers.
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
2015
Ministry of Finance
Life insurance cover of ₹2 lakh at low premium.
Bank account holders aged 18-50.
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
2015
Ministry of Finance
Accident insurance up to ₹2 lakh.
Bank account holders aged 18-70.
Housing & Urban Development
Scheme Name
Launch Year
Ministry/Department
Objective & Key Features
Beneficiaries
Pradhan Mantri Awas Yojana (PMAY) – Urban & Gramin
2015
Ministry of Housing & Urban Affairs
Affordable housing for all by 2022 (extended).
Urban/rural poor (₹6.85 lakh crore allocated).
SWAMIH Fund
2019 (enhanced 2025)
Ministry of Housing & Urban Affairs
Completes 50,000 stalled housing units.
Middle-class homebuyers in stressed projects.
Women & Child Empowerment
Scheme Name
Launch Year
Ministry/Department
Objective & Key Features
Beneficiaries
Beti Bachao Beti Padhao
2015
Ministry of Women & Child Development
Improves child sex ratio and girl education.
Girls and families in low sex-ratio districts.
Pradhan Mantri Matru Vandana Yojana
2017
Ministry of Women & Child Development
Maternity benefits of ₹5,000 for first child.
Pregnant/lactating mothers (excluding govt. employees).
MSME & Entrepreneurship
Scheme Name
Launch Year
Ministry/Department
Objective & Key Features
Beneficiaries
Pradhan Mantri Mudra Yojana (PMMY)
2015
Ministry of Finance
Collateral-free loans up to ₹10 lakh for micro enterprises.
Non-corporate small businesses.
Stand-Up India
2016
Ministry of Finance
Loans ₹10 lakh-₹1 crore for women/SC/ST entrepreneurs.
Women and SC/ST first-time entrepreneurs (5 lakh targeted).
PM Vishwakarma
2024
Ministry of Skill Development
Credit and skill support for artisans (up to ₹1.5 lakh tools).
Traditional artisans and craftsmen.
Credit Guarantee Fund Trust for Micro & Small Enterprises (CGTMSE)
2000 (enhanced 2025)
Ministry of MSME
Collateral-free credit up to ₹2 crore.
MSMEs (7.5 crore employed).
Infrastructure & Others
Scheme Name
Launch Year
Ministry/Department
Objective & Key Features
Beneficiaries
PM Gati Shakti National Master Plan
2021
Ministry of Commerce & Industry
Integrated infrastructure development (₹100 lakh crore).
Infrastructure sectors nationwide.
UDAN (Regional Connectivity Scheme)
2017 (modified 2025)
Ministry of Civil Aviation
Affordable air travel to 120 new destinations.
4 crore passengers over 10 years.
Pradhan Mantri Surya Ghar Yojana
2024
Ministry of New & Renewable Energy
300 units free electricity via rooftop solar (₹75,000 crore).
1 crore households.
Agnipath Scheme (Agniveer)
2022
Ministry of Defence
Short-term military recruitment for younger forces.
Youth aged 17.5-23 for 4-year service.
Startup India
2016
Department for Promotion of Industry & Internal Trade
Tax benefits and funding for startups.
Innovators and entrepreneurs.
Digital India
2015
Ministry of Electronics & IT
Digital empowerment via broadband and e-governance.
All citizens for online services.
Key Updates from Budget 2025: Enhanced focus on MSMEs (UPI-linked credit cards up to ₹30,000), women’s entrepreneurship (new loans up to ₹2 crore), and rural resilience. Total allocation for schemes exceeds ₹6.67 lakh crore for Central Sector initiatives. Eligibility varies; apply via official portals like MyScheme.gov.in or state portals. For state-specific schemes (e.g., Rythu Bandhu in Telangana), check local government sites. These schemes drive India’s Viksit Bharat@2047 vision for a developed nation.