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India Hindi (हिन्दी) ₹ INR
Yash is a hardworking security guard living in a rented room, balancing his modest salary with the needs of his family back in the village. He relies on central schemes to manage his health, savings, and the future of his children in a city where every rupee counts.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 7 Arunachal Pradesh AR 6 Assam AS 6 Bihar BR 6 Chhattisgarh CG 7 Chandigarh CH 6 Delhi DL 6 Dadra and Nagar Haveli and Daman and Diu DN 6 Goa GA 5 Gujarat GJ 6 Himachal Pradesh HP 7 Haryana HR 6 Jharkhand JH 4 Jammu and Kashmir JK 5 Karnataka KA 5 Kerala KL 7 Ladakh LA 8 Lakshadweep LD 7 Maharashtra MH 5 Meghalaya ML 4 Manipur MN 6 Madhya Pradesh MP 5 Mizoram MZ 5 Nagaland NL 5 Odisha OD 4 Punjab PB 6 Puducherry PY 6 Rajasthan RJ 7 Sikkim SK 6 Tamil Nadu TN 7 Tripura TR 5 Telangana TS 6 Uttarakhand UK 5 Uttar Pradesh UP 7 West Bengal WB 8 Medical emergencies can wipe out months of savings, so these schemes are my primary defense.
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना national · National Health Authority
Who qualifies Families identified as deprived in the SECC 2011 database or eligible ration card holders.
What you get Up to ₹5 lakh per family per year for secondary and tertiary care hospitalization.
What it actually costs you Zero cost; requires Aadhaar and PMJAY e-card.
Common gotcha Many private hospitals refuse to honor it; check the empanelled list on the portal first.
Employees' State Insurance Corporation कर्मचारी राज्य बीमा निगम national · Ministry of Labour and Employment
Who qualifies Employees in factories/establishments with wages up to ₹21,000.
What you get Full medical care for self and family, plus sickness and maternity benefits.
What it actually costs you 0.75% of wages deducted from salary; employer pays 3.25%.
Common gotcha You must have your ESI Pehchan card updated to access dispensary services.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जन औषधि परियोजना national · Department of Pharmaceuticals
Who qualifies Open to all citizens.
What you get Generic medicines at 50% to 90% lower prices than branded equivalents.
What it actually costs you Just the cost of the medicine; no special ID required.
Common gotcha Stock availability varies; keep a list of generic names ready.
Ayushman Bharat Digital Mission (ABHA) आयुष्मान भारत डिजिटल मिशन national · National Health Authority
Who qualifies All Indian citizens.
What you get A unique health ID to store all medical records digitally.
What it actually costs you Free; requires Aadhaar or driving license.
Common gotcha It does not provide insurance, only digitizes your health history.
Rashtriya Swasthya Bima Yojana राष्ट्रीय स्वास्थ्य बीमा योजना national · Ministry of Labour and Employment
Who qualifies BPL families and unorganized sector workers.
What you get Smart card-based cashless health insurance.
What it actually costs you ₹30 registration fee.
Common gotcha Largely being subsumed by PMJAY; check if your state still issues these cards.
Pradhan Mantri Matru Vandana Yojana प्रधानमंत्री मातृ वंदना योजना national · Ministry of Women and Child Development
Who qualifies Pregnant women and lactating mothers for their first child.
What you get Cash incentive of ₹5,000 in three installments.
What it actually costs you Requires bank account and Mother & Child Protection card.
Common gotcha Must apply within 730 days of conception. I don't have a government pension, so I need to build my own small safety net.
Employees' Provident Fund कर्मचारी भविष्य निधि national · EPFO
Who qualifies Employees in establishments with 20+ workers.
What you get Retirement corpus with interest and employer matching contribution.
What it actually costs you 12% of basic salary deducted monthly.
Common gotcha Ensure your UAN is linked to Aadhaar and mobile number for withdrawals.
Atal Pension Yojana अटल पेंशन योजना national · PFRDA
Who qualifies Citizens aged 18-40 years.
What you get Guaranteed monthly pension of ₹1,000 to ₹5,000 after age 60.
What it actually costs you Small monthly contribution based on age of entry.
Common gotcha Cannot be a taxpayer; if you start paying income tax, you are ineligible.
Pradhan Mantri Shram Yogi Maan-dhan प्रधानमंत्री श्रम योगी मान-धन national · Ministry of Labour and Employment
Who qualifies Unorganized workers aged 18-40 with income below ₹15,000.
What you get Monthly pension of ₹3,000 after age 60.
What it actually costs you Monthly contribution matching the government's share.
Common gotcha Requires savings bank account and Aadhaar.
Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना national · Department of Posts
Who qualifies Parents of a girl child under 10 years.
What you get High-interest savings account for daughter's education/marriage.
What it actually costs you Minimum deposit of ₹250 per year.
Common gotcha Account matures only after 21 years or girl's marriage after 18.
Public Provident Fund लोक भविष्य निधि national · Ministry of Finance
Who qualifies Any Indian resident.
What you get Tax-free interest on long-term savings (15-year lock-in).
What it actually costs you Minimum ₹500 per year.
Common gotcha Partial withdrawal only allowed after 7 years.
NPS Swavalamban एनपीएस स्वावलंबन national · PFRDA
Who qualifies Low-income workers.
What you get Government co-contribution to your pension account.
What it actually costs you Minimum annual contribution of ₹1,000.
Common gotcha Market-linked returns, not fixed like APY. Keeping the kitchen running is the biggest monthly expense.
Public Distribution System (Ration) सार्वजनिक वितरण प्रणाली national · Ministry of Consumer Affairs
Who qualifies Low-income families holding a Ration Card.
What you get Subsidized rice, wheat, and sugar.
What it actually costs you Very low price per kg; requires Aadhaar linking.
Common gotcha One Nation One Ration Card allows you to pick up rations in any state.
Pradhan Mantri Ujjwala Yojana प्रधानमंत्री उज्ज्वला योजना national · Ministry of Petroleum
Who qualifies Women from BPL households without LPG connection.
What you get Free LPG connection and stove.
What it actually costs you Refills must be paid for; requires KYC.
Common gotcha Only one connection per household.
Pradhan Mantri Awas Yojana (Urban) प्रधानमंत्री आवास योजना national · Ministry of Housing and Urban Affairs
Who qualifies Economically Weaker Section (EWS) living in urban areas.
What you get Subsidy on home loans or financial aid for house construction.
What it actually costs you Requires land ownership proof or rental agreement.
Common gotcha Extremely high demand; waiting lists are long.
PM Street Vendor's AtmaNirbhar Nidhi पीएम स्वनिधि national · Ministry of Housing and Urban Affairs
Who qualifies Street vendors (if I take up part-time vending).
What you get Collateral-free working capital loan up to ₹50,000.
What it actually costs you Interest subsidy if repaid on time.
Common gotcha Requires a Certificate of Vending from the local body.
Pradhan Mantri Suraksha Bima Yojana प्रधानमंत्री सुरक्षा बीमा योजना national · Department of Financial Services
Who qualifies Bank account holders aged 18-70.
What you get Accidental death or disability insurance of ₹2 lakh.
What it actually costs you ₹20 annual premium auto-debited.
Common gotcha Must renew every year if not set to auto-debit.
Pradhan Mantri Jeevan Jyoti Bima Yojana प्रधानमंत्री जीवन ज्योति बीमा योजना national · Department of Financial Services
Who qualifies Bank account holders aged 18-50.
What you get Life insurance cover of ₹2 lakh.
What it actually costs you ₹436 annual premium.
Common gotcha Only covers death; no maturity benefit. Without these, I don't exist in the eyes of the government.
Aadhaar आधार national · UIDAI
Who qualifies All residents of India.
What you get Unique identity proof for all government services.
What it actually costs you Free for initial enrollment; small fee for updates.
Common gotcha Keep mobile number linked; otherwise, you can't use online portals.
e-Shram Portal ई-श्रम पोर्टल national · Ministry of Labour and Employment
Who qualifies Unorganized workers aged 16-59.
What you get Database for social security benefits and job opportunities.
What it actually costs you Free; requires Aadhaar and bank account.
Common gotcha It's a registry, not a direct cash transfer scheme.
Permanent Account Number पैन कार्ड national · Income Tax Department
Who qualifies All citizens earning income.
What you get Tax identity and essential for bank accounts.
What it actually costs you Processing fee of ~₹100.
Common gotcha Link PAN with Aadhaar or face penalty.
Voter ID (EPIC) मतदाता पहचान पत्र national · Election Commission of India
Who qualifies Citizens 18+.
What you get Right to vote and valid address proof.
What it actually costs you Free; requires residence proof.
Common gotcha Name must match exactly on all documents.
DigiLocker डिजिलॉकर national · MeitY
Who qualifies All citizens.
What you get Digital storage for all official documents.
What it actually costs you Free; requires Aadhaar.
Common gotcha Documents inside are legally equivalent to originals.
Passport Services पासपोर्ट सेवा national · Ministry of External Affairs
Who qualifies All citizens.
What you get International travel document and strong ID proof.
What it actually costs you ₹1,500 application fee.
Common gotcha Police verification is mandatory and takes time.
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