List of Important Government Schemes 2026 in India
The List of Important Government Schemes 2026 covers major Central Government initiatives related to banking, agriculture, healthcare, education, housing, employment, women’s empowerment, financial inclusion and infrastructure development. These schemes are important for candidates preparing for Banking, SSC, UPSC, Railways, Insurance and other competitive examinations because questions frequently test their objectives, ministries, launch years, beneficiaries and financial benefits.
This guide brings together major flagship schemes, important programmes from previous years and significant developments announced or implemented in 2026. It also includes a 10-question practice quiz, scheme-wise revision tables, eligibility information and the latest updates that candidates should distinguish from older or time-bound programmes.
Test your knowledge of government schemes frequently relevant to Banking Awareness, General Awareness, SSC, Railways and other competitive examinations. These multiple-choice questions cover scheme objectives, benefits, eligibility and recent developments. Attempt all ten questions before checking the answer key and explanations.
Government schemes are programmes introduced by the Central Government or state governments to address specific economic, social, developmental or welfare needs. They may provide financial assistance, insurance, pensions, credit, subsidies, training, healthcare, housing, education or infrastructure.
For competitive examinations, the term generally includes Central Sector Schemes, Centrally Sponsored Schemes and other important government initiatives.
Central Sector Schemes are generally financed and implemented by the Central Government through the responsible ministry or its designated agencies. Centrally Sponsored Schemes are usually funded jointly by the Centre and state governments, with implementation responsibilities shared according to the programme’s design.
| Feature | Central Sector Scheme | Centrally Sponsored Scheme |
| Funding | Generally financed by the Central Government | Generally involves funding from the Centre and states |
| Implementation | Central ministries or designated agencies | Often involves state governments and implementing agencies |
| Main Example | PM-KISAN | MGNREGA and several rural development programmes are implemented through Centre-state arrangements, subject to their individual legal and funding structures |
| Exam Focus | Ministry, objective and eligibility | Funding pattern, implementing agencies and beneficiaries |
Candidates should learn the List of Important Government Schemes 2026 from its official guidelines rather than assume that every centrally promoted initiative follows the same funding model.
The most important government scheme updates in 2026 include programmes launched in the last two years, recently approved initiatives and developments announced in the Union Budget 2026-27. Candidates should distinguish a scheme that is operational from one that has only been announced or whose detailed guidelines are still being prepared.
| Scheme or Initiative | Important Update | Exam-Relevant Fact |
| Pradhan Mantri Samajik Sahayata Yojana | Approved restructuring of the National Social Assistance Programme on 14 October 2026 | Five-year continuation from FY 2026-27 to FY 2030-31 with a total outlay of ₹53,428 crore |
| PM Dhan-Dhaanya Krishi Yojana | Formally launched on 11 October 2025 | Agricultural development in 100 selected districts |
| Mission for Aatmanirbharta in Pulses | Approved in October 2025 for six years | ₹11,440 crore outlay for 2025-26 to 2030-31 |
| PM-RAHAT | Nationwide implementation launched on 13 February 2026 | Treatment cover up to ₹1.5 lakh per road accident victim for up to seven days |
| Bharat-VISTAAR | Phase 1 launched in March 2026 | Multilingual, voice-first digital platform providing agricultural information and personalised advisories |
| Pradhan Mantri Viksit Bharat Rozgar Yojana | Employment-linked incentive programme approved in July 2025 | Outlay of ₹99,446 crore to incentivise job creation over two years |
| Startup India Fund of Funds 2.0 | Approved in February and notified in April 2026 | ₹10,000 crore corpus for mobilising venture capital |
| India Semiconductor Mission 2.0 | Announced in the Union Budget 2026-27 and subsequently approved by the Union Cabinet in July 2026 | Focuses on semiconductor equipment, materials, design capabilities and supply chains |
| Electronics Components Manufacturing Scheme | Its outlay was increased in the Union Budget 2026-27 | Enhanced outlay of ₹40,000 crore |
| Biopharma SHAKTI | Announced in the Union Budget 2026-27 | Proposed ₹10,000 crore outlay over five years for biologics and biosimilars |
| Container Manufacturing Scheme | Announced in the Union Budget 2026-27 | Proposed ₹10,000 crore over five years |
| Coconut Promotion Scheme | Announced in the Union Budget 2026-27 | Focuses on increasing productivity and replacing old, unproductive coconut trees; detailed implementation was under formulation in March 2026 |
| Khelo India Mission | Announced in the Union Budget 2026-27 | Aims to develop India’s sports ecosystem, including talent development, coaching and sports science |
| Divyangjan Kaushal Yojana | Announced in the Union Budget 2026-27 | Customised training for eligible persons with disabilities in areas such as IT, AVGC, hospitality and food and beverages |
| Divyang Sahara Yojana | Announced in the Union Budget 2026-27 | Focuses on access to assistive devices, research and assistive technology centres |
The status column is particularly important for examinations. Budget announcements, Cabinet approvals, official notifications and the opening of applications are separate steps. Do not assume that detailed beneficiary applications are open simply because an initiative has been announced.
Learn about the Indian Parliament & Judiciary
On 14 October 2026, the Union Cabinet approved continuation and restructuring of the National Social Assistance Programme (NSAP) for FY 2026-27 to FY 2030-31, with a total outlay of ₹53,428 crore. The approved changes include new names for the programme and several sub-schemes, as well as changes to disability-pension eligibility and assistance.
| Existing Name | Approved Name |
| National Social Assistance Programme (NSAP) | Pradhan Mantri Samajik Sahayata Yojana |
| Indira Gandhi National Old Age Pension Scheme | Pradhan Mantri Vridhavastha Pension Yojana |
| Indira Gandhi National Widow Pension Scheme | Pradhan Mantri Vidhawa Pension Yojana |
| Indira Gandhi National Disability Pension Scheme | Pradhan Mantri Divyangjan Pension Yojana |
| National Family Benefit Scheme | Pradhan Mantri Parivar Labh Yojana |
The approved changes to disability pension include assistance of ₹375 per month for beneficiaries aged 0-79 years and ₹625 per month for those aged 80 years and above. The benchmark disability criterion is being reduced from 80% to 40%, and the minimum age criterion is being removed.
Exam note: The Cabinet approved these changes in October 2026, with detailed implementation guidelines expected within three months. Candidates should distinguish the approval date from the date on which all revised rules are implemented.
Know about Scientific Names & Discoveries
PM-RAHAT stands for Prime Minister – Road Accident Victims’ Hospitalisation and Assured Treatment. It was launched for nationwide implementation on 13 February 2026 to help ensure timely treatment for eligible road accident victims, particularly during the critical first hour after an accident.
Key facts include:
PM-RAHAT is distinct from Ayushman Bharat PM-JAY. PM-JAY covers eligible beneficiaries for specified hospitalisation under its rules, whereas PM-RAHAT focuses on treatment following eligible road accidents.
PM Dhan-Dhaanya Krishi Yojana aims to improve agricultural productivity and rural livelihoods in 100 selected agricultural districts. It was approved by the Union Cabinet in July 2025 and formally launched on 11 October 2025.
The programme uses a district-focused approach to address challenges such as low agricultural productivity, limited irrigation, inadequate post-harvest infrastructure and insufficient access to agricultural credit. It promotes coordination among existing programmes rather than requiring candidates to treat every intervention as a separate new scheme.
Mission for Aatmanirbharta in Pulses is a six-year initiative covering 2025-26 to 2030-31, with an outlay of ₹11,440 crore. Its primary objective is to increase domestic pulse production and reduce dependence on imports.
The mission focuses particularly on Tur, Urad and Masoor. It also supports improved seeds, expansion of cultivation, post-harvest infrastructure and procurement arrangements for eligible farmers under applicable rules.
Bharat-VISTAAR stands for Virtually Integrated System to Access Agricultural Resources. It is a multilingual, voice-first digital platform designed to provide farmers with agricultural information and personalised advisories.
The platform integrates government digital resources and scientific agricultural knowledge. Its intended services include crop-management information, weather updates, market-price information, pest and disease alerts and soil-health insights.
Learn about Awards & Honors in Detail
The following table provides a quick overview of important government schemes from major sectors, including their objectives and the government departments commonly associated with them. The detailed sections explain their principal benefits and exam-relevant facts.
| Government Scheme | Main Objective | Ministry or Department |
| PM-KISAN | Income support for eligible farmer families | Ministry of Agriculture and Farmers Welfare |
| PM Fasal Bima Yojana | Crop insurance | Ministry of Agriculture and Farmers Welfare |
| PM Jan Dhan Yojana | Financial inclusion and basic banking access | Ministry of Finance |
| PMJJBY | Life insurance | Ministry of Finance |
| PMSBY | Accident insurance | Ministry of Finance |
| Atal Pension Yojana | Pension support | Ministry of Finance |
| PM Mudra Yojana | Credit for eligible micro enterprises | Ministry of Finance |
| PM SVANidhi | Working-capital support to eligible street vendors | Ministry of Housing and Urban Affairs, with financial-sector coordination |
| Ayushman Bharat PM-JAY | Cashless hospitalisation cover | Ministry of Health and Family Welfare |
| PMAY-G | Rural housing | Ministry of Rural Development |
| PMAY-U 2.0 | Affordable urban housing | Ministry of Housing and Urban Affairs |
| MGNREGA | Rural wage employment guarantee | Ministry of Rural Development |
| PM Vishwakarma | Support for traditional artisans and craftspeople | Ministry of Micro, Small and Medium Enterprises |
| PM Ujjwala Yojana | LPG connections for eligible women in poor households | Ministry of Petroleum and Natural Gas |
| PM Surya Ghar | Residential rooftop solar | Ministry of New and Renewable Energy |
| PM POSHAN | School meals for eligible students | Ministry of Education |
| PM SHRI | Development of model schools | Ministry of Education |
| PM JANMAN | Development of Particularly Vulnerable Tribal Groups | Ministry of Tribal Affairs |
| PM-JUGA | Development of tribal-majority villages and tribal communities | Ministry of Tribal Affairs |
| Startup India | Startup ecosystem development | Department for Promotion of Industry and Internal Trade |
| Digital India | Digital infrastructure and public services | Ministry of Electronics and Information Technology and participating departments |
Know about Stadiums in India
Agriculture-related government schemes support farmer incomes, crop insurance, irrigation, agricultural credit, soil health, market access and rural development. These Government schemes are especially important for Banking, SSC, Railways and UPSC examinations because questions may ask about their beneficiaries, ministries, financial assistance and objectives.
PM-KISAN is a Central Sector Scheme that provides income support to eligible farmer families holding cultivable land, subject to applicable exclusion criteria.
The money is transferred to eligible beneficiaries’ Aadhaar-seeded bank accounts under the applicable requirements. Landholding records, Aadhaar-bank linkage and e-KYC can be important in the verification process.
PMFBY provides crop insurance to eligible farmers against specified crop losses and risks covered by the scheme. It is intended to reduce farmers’ financial exposure to notified agricultural risks.
Candidates should remember that insurance claims depend on the notified crop, area, insured risks, prescribed procedures and scheme conditions. PMFBY does not guarantee compensation for every type of loss under every circumstance.
PMKSY focuses on improving irrigation access and water-use efficiency. Its objectives include expanding irrigation coverage and promoting more efficient application of water to crops.
Important themes associated with the programme include Har Khet Ko Pani and Per Drop More Crop, which relate to irrigation coverage and efficient water use.
The programme involves responsibilities across relevant ministries and departments. Candidates should distinguish this irrigation programme from Pradhan Mantri Kisan SAMPADA Yojana, which concerns food processing.
The Kisan Credit Card scheme provides eligible farmers with access to institutional credit for agricultural and allied activities. Depending on eligibility and the applicable lending rules, it can help finance cultivation, farm inputs and related working-capital requirements.
The scheme is important for Banking Awareness because it links agricultural finance with formal banking services. Candidates should remember its purpose rather than assume that all KCC holders receive identical loan limits or interest benefits.
PM-AASHA aims to improve price support and price realisation for farmers through specified procurement and market-intervention mechanisms. Its components have been designed to support farmers when market prices and notified procurement arrangements require intervention.
The programme is related to agricultural pricing and farmer income protection. It is also relevant to the Mission for Aatmanirbharta in Pulses because certain pulse-procurement arrangements operate through the applicable Price Support Scheme framework.
The Soil Health Card Scheme helps farmers understand the condition of their soil and make better-informed decisions about fertilisers and nutrients.
A soil health card provides information and recommendations based on soil testing. Its objective is to encourage balanced fertiliser use and improve soil health and agricultural productivity.
e-NAM is an electronic trading platform intended to improve the integration and functioning of agricultural markets. It supports more transparent trading and better market access for participating farmers, traders and agricultural-market stakeholders.
For examinations, remember that e-NAM is associated with agricultural marketing and market integration, not direct annual income support.
PKVY promotes organic farming and the adoption of suitable organic agricultural practices. It supports farmer groups and clusters through interventions specified under the programme.
It is important to distinguish this scheme from PM-KISAN: PKVY supports organic-farming practices, whereas PM-KISAN provides annual income support to eligible farmer families.
NFSM aims to increase the production and productivity of selected food crops through measures such as improved seeds, agricultural practices and suitable crop-management interventions.
Candidates should associate NFSM with food-grain production and agricultural productivity rather than household food distribution.
The scheme promotes focused agricultural development in 100 selected districts. It combines local needs with coordinated interventions for productivity, irrigation, credit and post-harvest infrastructure.
Remember these three exam facts:
This mission aims to increase domestic pulse production over six years, covering 2025-26 to 2030-31, with an outlay of ₹11,440 crore.
Important examination areas include the crops Tur, Urad and Masoor, improved seeds, pulse cultivation expansion and post-harvest processing infrastructure.
PMMSY promotes sustainable development of fisheries and aquaculture. Its objectives include strengthening fisheries infrastructure, production, productivity, post-harvest management and marketing.
The programme is associated with the Department of Fisheries under the Ministry of Fisheries, Animal Husbandry and Dairying.
PM Kisan SAMPADA Yojana focuses on food-processing infrastructure, preservation, value addition and supply-chain development.
It should not be confused with PMKSY, the irrigation programme. Although their abbreviations are similar, their objectives differ.
| Scheme | Main Exam Fact |
| PM-KISAN | ₹6,000 annual income support |
| PMFBY | Crop insurance |
| PMKSY | Irrigation and water-use efficiency |
| KCC | Institutional agricultural credit |
| PM-AASHA | Price support and market intervention |
| Soil Health Card | Soil testing and nutrient recommendations |
| e-NAM | Electronic agricultural market integration |
| PKVY | Organic farming |
| NFSM | Food-crop production and productivity |
| PMMSY | Fisheries and aquaculture development |
| PM Dhan-Dhaanya Krishi Yojana | Development in 100 selected agricultural districts |
| Mission for Aatmanirbharta in Pulses | Domestic pulse production and self-sufficiency |
Financial-inclusion Government schemes are particularly important for Banking and Insurance examinations. Questions frequently test the premium, coverage, pension amount, beneficiary group, loan category and implementing department of these programmes.
PMJDY is the National Mission for Financial Inclusion, launched on 28 August 2014. It aims to provide access to basic banking services to previously unbanked individuals.
Key features include:
PMJDY helps connect citizens to savings, banking, credit and social-security services. It is also an important part of the Jan Dhan-Aadhaar-Mobile, or JAM, framework used for digital benefit delivery.
PMJJBY is an annual renewable life-insurance scheme that provides ₹2 lakh of life cover for death due to any cause, subject to policy conditions.
| Particular | Details |
| Launch Date | 9 May 2015 |
| Insurance Type | Life insurance |
| Life Cover | ₹2 lakh |
| Annual Premium | ₹436 |
| Eligible Entry Age | 18-50 years, under scheme rules |
| Renewal | Annual |
| Ministry | Ministry of Finance |
The annual premium is auto-debited from the subscriber’s linked bank account, subject to the scheme’s enrolment and renewal conditions. A 30-day lien period applies to certain non-accidental death claims following enrolment, under the applicable rules.
PMSBY is an annual renewable accident-insurance scheme for eligible savings bank account holders.
| Particular | Details |
| Launch Date | 9 May 2015 |
| Insurance Type | Accident insurance |
| Accidental Death Cover | ₹2 lakh |
| Full Permanent Disability Cover | ₹2 lakh |
| Partial Permanent Disability Cover | ₹1 lakh |
| Annual Premium | ₹20 |
| Eligible Entry Age | 18-70 years, under scheme rules |
| Ministry | Ministry of Finance |
PMJJBY and PMSBY are both low-cost insurance programmes, but their coverage differs. PMJJBY provides life cover for death due to any cause, whereas PMSBY covers specified accidental death and disability outcomes.
Atal Pension Yojana is a contributory pension scheme aimed particularly at eligible workers in the unorganised sector. Subscribers contribute according to the chosen pension amount and applicable entry-age rules.
An individual’s contribution depends on the entry age and selected pension option. Income-tax payers are not eligible to join under the restrictions introduced from 1 October 2022.
| Scheme | Main Purpose | Key Benefit |
| PMJDY | Banking access | Basic bank account and eligible banking facilities |
| PMJJBY | Life insurance | ₹2 lakh life cover |
| PMSBY | Accident insurance | ₹2 lakh cover for accidental death or full permanent disability; ₹1 lakh for partial permanent disability |
| APY | Retirement security | ₹1,000-₹5,000 guaranteed minimum monthly pension after age 60, under scheme rules |
These four Government schemes are frequently confused because all are associated with financial inclusion. Memorising their unique purposes and benefits helps avoid mistakes in objective-type examinations.
Government credit programmes help eligible entrepreneurs, micro-enterprises, street vendors and traditional artisans access formal finance or develop their businesses. For Banking Awareness, pay special attention to loan categories, collateral requirements, beneficiary groups and the institution responsible for the programme.
PM Mudra Yojana was launched on 8 April 2015 to expand institutional credit to eligible micro-enterprises. It supports eligible non-corporate, non-farm micro-enterprises, including certain activities allied to agriculture, such as poultry, dairy and beekeeping.
| Loan Category | Loan Amount |
| Shishu | Up to ₹50,000 |
| Kishor | Above ₹50,000 and up to ₹5 lakh |
| Tarun | Above ₹5 lakh and up to ₹10 lakh |
| Tarun Plus | Above ₹10 lakh and up to ₹20 lakh |
Tarun Plus was introduced for eligible entrepreneurs who have successfully repaid a previous loan under the Tarun category. Mudra loans are provided through participating lending institutions, subject to their credit assessment and the scheme guidelines.
Exam fact: The Tarun Plus category extends eligible Mudra lending beyond the original ₹10 lakh maximum of the Tarun category.
Stand-Up India was designed to facilitate bank loans for eligible Scheduled Caste, Scheduled Tribe and women entrepreneurs setting up greenfield enterprises.
A greenfield enterprise is a new business venture rather than simply an existing business seeking routine expansion. The scheme’s original framework provided loans from ₹10 lakh to ₹1 crore through participating banks, subject to its conditions.
For current applications, candidates and prospective beneficiaries should check the latest official notifications and availability rather than assume that the original implementation period and every condition remain unchanged in 2026.
PM SVANidhi provides collateral-free working-capital loans and related support to eligible urban street vendors.
The scheme was launched on 1 June 2020 and its lending period was extended through 31 March 2030 under the restructured programme approved in August 2025.
Important features include:
The objective is to strengthen formal credit access, digital financial inclusion and the livelihood prospects of eligible street vendors.
PM Vishwakarma was launched on 17 September 2023 to support traditional artisans and craftspeople who work with their hands and tools.
| Feature | Benefit |
| Recognition | PM Vishwakarma Certificate and ID Card |
| Toolkit Incentive | Up to ₹15,000, subject to eligibility |
| Basic Training | Generally 5-7 days |
| Advanced Training | 15 days or more, subject to programme arrangements |
| Training Stipend | ₹500 per day under applicable training rules |
| First Credit Tranche | Up to ₹1 lakh |
| Second Credit Tranche | Up to ₹2 lakh |
| Concessional Interest Rate | 5% under scheme rules |
| Trades Covered | 18 traditional trades |
The eligible trades include carpenters, blacksmiths, potters, tailors, goldsmiths, barbers, masons and other traditional artisans. The scheme combines skill development, credit, toolkit assistance and marketing support rather than focusing only on loans.
Startup India promotes entrepreneurship, innovation and the development of the startup ecosystem. Startup India Fund of Funds 2.0 was approved in February 2026 and notified in April 2026.
The fund has a corpus of ₹10,000 crore and is intended to mobilise venture and growth capital through eligible Alternative Investment Funds. Its priority areas include deep-tech startups, innovative manufacturing and eligible early-growth businesses.
Candidates should distinguish between the overall Startup India initiative and the Fund of Funds mechanism, which works through eligible investment funds rather than providing an identical direct cash grant to every startup.
The Pradhan Mantri Viksit Bharat Rozgar Yojana is an employment-linked incentive programme approved by the Union Cabinet in July 2025.
It has an outlay of ₹99,446 crore and aims to incentivise the creation of more than 3.5 crore jobs over a two-year period through eligible first-time employment and employer-related incentives.
Its purpose is to promote employment generation, improve employability and strengthen social-security coverage. The payment conditions and benefit eligibility depend on the applicable scheme guidelines.
The Model Skill Loan Scheme supports eligible individuals seeking institutional credit for recognised skill-development courses. The revised framework introduced in 2024 increased the maximum eligible loan limit to ₹7.5 lakh, subject to the applicable lending and course rules.
It is important to distinguish a skill loan from a scholarship or a free training programme: a loan is a credit facility that must be repaid according to its terms.
Housing, employment, roads, water supply and rural livelihoods are major themes in government-scheme questions. Candidates should learn whether a programme primarily provides housing assistance, wage employment, road connectivity, drinking water or livelihood support.
PMAY-G provides financial assistance for constructing eligible rural households’ pucca houses with basic amenities. The scheme aims to improve housing conditions for eligible rural families.
Eligibility depends on the applicable beneficiary-identification procedures and scheme guidelines. A household should not assume that meeting one broad income condition automatically guarantees approval.
PMAY-U 2.0 focuses on affordable urban housing for eligible urban poor and middle-income households. It was approved in August 2024 and is intended to support one crore additional eligible urban families over five years.
The programme supports eligible beneficiaries through prescribed arrangements for constructing, purchasing or renting housing at affordable costs.
Difference between PMAY-G and PMAY-U 2.0: PMAY-G focuses on rural housing, while PMAY-U 2.0 focuses on eligible urban households.
MGNREGA provides a legal framework for wage employment in rural areas. Its core provision guarantees up to 100 days of unskilled manual wage employment in a financial year to a rural household whose adult members volunteer for such work, subject to the Act’s provisions.
The scheme is associated with rural livelihoods, employment security and the creation of useful community assets.
For examination purposes, remember the 100-day employment guarantee, the rural household beneficiary and the connection with the Ministry of Rural Development.
PMGSY focuses on rural road connectivity, particularly connecting eligible unconnected rural habitations and improving access to markets and essential services.
It is relevant to rural infrastructure and regional development. It should not be confused with urban transport or national highway programmes.
DAY-NRLM seeks to reduce rural poverty by strengthening livelihoods, self-help groups and access to financial services for eligible rural households.
Women’s self-help groups are an important part of the programme. It supports institutional capacity, credit linkages and livelihood activities rather than providing one universal cash benefit to all rural residents.
DDU-GKY focuses on skill training and employment opportunities for eligible rural youth. The programme is intended to improve employability through training linked to suitable economic opportunities.
Candidates should associate DDU-GKY with rural skill development and employment rather than general school education.
Jal Jeevan Mission focuses on providing safe and adequate drinking water through functional household tap connections in rural areas.
Its main examination association is rural household tap-water connectivity. The programme also involves water-quality monitoring, source sustainability and local participation in water management.
Current targets, completion timelines and implementation updates should be checked against the latest official announcements.
Swachh Bharat Mission promotes sanitation, cleanliness and better waste management.
Its rural and urban components have different implementing ministries and operational frameworks. For examination purposes, remember the programme’s sanitation objective, while distinguishing the rural component from the urban component.
Antyodaya Anna Yojana was introduced to support the poorest eligible households through subsidised food grains under the public-distribution framework.
It should be distinguished from direct income-transfer schemes such as PM-KISAN. Food-security programmes provide eligible beneficiaries with food grains or related support under the applicable rules rather than a universal cash payment.
| Scheme | Main Objective |
| PMAY-G | Rural housing |
| PMAY-U 2.0 | Affordable urban housing |
| MGNREGA | Rural wage employment guarantee |
| PMGSY | Rural road connectivity |
| DAY-NRLM | Rural livelihoods and self-help groups |
| DDU-GKY | Skill training and employment for rural youth |
| Jal Jeevan Mission | Rural household tap-water connections |
| Swachh Bharat Mission | Sanitation and cleanliness |
| Antyodaya Anna Yojana | Food support for eligible poorest households |
Healthcare and nutrition government programmes aim to reduce the financial burden of treatment, improve public-health infrastructure, support maternal and child health and improve access to essential medicines and nutrition.
AB PM-JAY provides eligible beneficiaries with cashless hospitalisation cover of up to ₹5 lakh per family per year for covered secondary and tertiary care, subject to scheme rules.
Important facts include:
The senior-citizen expansion is a significant current-affairs fact. Candidates should not assume that the scheme covers every possible medical expense or that every service is automatically covered regardless of the prescribed hospitalisation and eligibility conditions.
Ayushman Arogya Mandirs strengthen comprehensive primary healthcare services. They support accessible health services, including preventive care, health promotion and the management of common health conditions.
They form part of the broader effort to strengthen healthcare closer to communities. They should be distinguished from PM-JAY, which focuses on eligible hospitalisation coverage.
PMBJP aims to make quality generic medicines available at affordable prices through designated Janaushadhi Kendras.
The scheme is relevant to affordable medicines and access to healthcare. Generic medicines contain the relevant active pharmaceutical ingredients and are intended to provide treatment alternatives under applicable quality and regulatory requirements.
NHM supports public-health services, especially primary healthcare, maternal and child health, and health-system improvement.
It includes rural and urban health components. Its importance lies in strengthening the delivery of public healthcare rather than providing one identical insurance benefit to every citizen.
PMSSY seeks to improve the availability of affordable and reliable tertiary healthcare and correct regional imbalances in advanced medical facilities. It is associated with the establishment of new AIIMS institutions and upgrades to selected existing medical institutions.
Mission Indradhanush aims to improve immunisation coverage among children and pregnant women who have missed or are at risk of missing routine vaccination.
Candidates should associate it with immunisation and public-health outreach.
PMMVY provides maternity-related cash benefits to eligible pregnant and lactating women under its prescribed rules.
Its purpose includes supporting maternal health and partly compensating for wage loss linked to childbirth and related care. Benefit amounts and eligibility depend on the applicable scheme provisions and beneficiary circumstances.
POSHAN 2.0 focuses on nutrition support, early-childhood care and related services for eligible beneficiaries, including children and women covered by its components.
Its broader objectives include improving nutritional outcomes, strengthening Anganwadi services and supporting early childhood development.
PM POSHAN is a school-meal programme for eligible students in covered schools. It aims to improve nutritional support and encourage participation and attendance in elementary education.
Exam fact: PM POSHAN is associated with the Ministry of Education. It was formerly known as the National Programme of Mid-Day Meal in Schools.
| Scheme | Main Objective |
| AB PM-JAY | Cashless hospitalisation cover for eligible beneficiaries |
| Ayushman Arogya Mandir | Comprehensive primary healthcare |
| PMBJP | Affordable generic medicines |
| NHM | Public-health services and health-system strengthening |
| PMSSY | Tertiary healthcare and medical-institution development |
| Mission Indradhanush | Immunisation |
| PMMVY | Maternity benefits |
| POSHAN 2.0 | Nutrition and early-childhood support |
| PM POSHAN | School meals for eligible students |
| PM-RAHAT | Cashless treatment for eligible road accident victims |
Women- and child-focused programmes address education, financial security, health, nutrition, entrepreneurship, safety and access to essential services. Candidates should distinguish a savings scheme from an insurance scheme, a training initiative and a welfare programme.
Beti Bachao Beti Padhao promotes the protection, survival, education and empowerment of the girl child. It focuses on improving awareness and encouraging positive attitudes toward girls.
It is not a universal cash-transfer scheme. Its principal emphasis is on behavioural change, education and coordinated action for the welfare of girls.
Sukanya Samriddhi Yojana is a small-savings scheme designed to help families save for the future of an eligible girl child.
A parent or legal guardian can open an account under the prescribed rules. The scheme is particularly relevant for education-related and long-term financial planning.
Interest rates are reviewed by the government for applicable periods. Candidates should check the current official rate rather than memorise an older rate as permanently fixed.
PMUY provides LPG connections to eligible women from poor households under the scheme’s rules. It seeks to improve access to cleaner cooking fuel and reduce dependence on traditional biomass fuels.
The programme is associated with the Ministry of Petroleum and Natural Gas and was launched on 1 May 2016.
Mission Shakti is an umbrella programme for women’s safety, security and empowerment. It brings together services and interventions designed to support women through relevant components.
Candidates should distinguish Mission Shakti from an individual cash-benefit scheme: its scope includes different services and support arrangements.
One Stop Centres provide coordinated support to women affected by violence, subject to the programme’s framework. Services may include assistance with medical, police, legal and psychosocial support.
It is associated with women’s safety and access to support services rather than investment or pension benefits.
The Lakhpati Didi initiative aims to help eligible women associated with self-help groups achieve sustainable increases in household income. It focuses on supporting livelihoods, enterprise development, training and better income opportunities.
For exam purposes, remember its connection with women-led self-help groups and livelihood improvement.
Namo Drone Didi supports selected women self-help groups in adopting drone-based services, including applications connected with agriculture, under the applicable programme guidelines.
The initiative links women’s economic participation with technology, agricultural services and rural enterprise.
Mahila Samman Savings Certificate was a two-year small-savings scheme introduced in 2023 for women and girls. It offered a fixed-term savings product, subject to prescribed deposit limits and scheme conditions.
However, the scheme was available for new accounts only up to 31 March 2025. The government did not extend it for new deposits beyond that date under the rules verified for this article.
It remains important for historical exam questions, but candidates should not present it as a savings product open for new subscriptions in October 2026.
NPS Vatsalya is a contributory pension account framework for minors, introduced in September 2024. It allows parents or guardians to contribute toward the child’s long-term financial future, subject to the applicable National Pension System rules.
It is associated with the pension and financial-services framework, not with the Ministry of Women and Child Development. Candidates should distinguish NPS Vatsalya from welfare programmes directed at women and children.
Education and skill-development government schemes aim to improve school quality, provide nutritional support to students, develop employable skills and create opportunities for eligible young people.
PM SHRI stands for PM Schools for Rising India. The scheme aims to develop selected existing schools into model institutions that demonstrate the implementation of the National Education Policy 2020.
Its emphasis includes better school infrastructure, modern teaching methods, learning environments and improved educational outcomes.
Samagra Shiksha is an integrated school-education programme covering different stages of school education. It supports education quality, access, infrastructure and other school-related interventions under the applicable framework.
It is relevant to questions about school education and the coordinated implementation of education programmes.
The National Means-cum-Merit Scholarship Scheme provides scholarship assistance to eligible students who meet the prescribed academic and financial eligibility conditions.
Its aim is to help reduce financial barriers to continued school education. Students must meet the notified requirements and selection conditions.
PMKVY is a skill-development and training initiative intended to improve the employability of eligible candidates. It supports training and certification through the relevant programme framework.
Candidates should associate PMKVY with skills, vocational training and employability, rather than with a direct universal monthly allowance.
The National Apprenticeship Promotion Scheme aims to encourage apprenticeship training by supporting the apprenticeship ecosystem under applicable rules.
Apprenticeships connect training with practical experience in workplaces. Eligibility, stipend arrangements and employer support depend on the relevant framework and notifications.
The PM Internship Scheme is intended to provide eligible young people with internship opportunities and practical exposure to participating organisations under the applicable guidelines.
It should be distinguished from a permanent government job, a school scholarship and a general skill-certification programme.
YUVA stands for Young, Upcoming and Versatile Authors. The original initiative was designed to encourage young authors and develop writing and literary skills through mentorship and related support.
Candidates should check the current call or phase of the programme before assuming that applications are open throughout 2026.
Tribal-welfare and social-justice government programmes aim to improve access to education, housing, infrastructure, skills, essential services and livelihood opportunities among eligible disadvantaged groups.
PM-JANMAN focuses on improving the living conditions of Particularly Vulnerable Tribal Groups (PVTGs). It brings together interventions for essential services and development in eligible tribal communities.
The programme addresses gaps in housing, basic facilities, education, health and livelihood-related services through its prescribed components.
This initiative focuses on improving infrastructure and service delivery in identified tribal-majority villages and tribal communities. It aims to address gaps in basic services and livelihood opportunities through coordinated interventions.
Candidates should distinguish it from PM-JANMAN, which has a specific focus on Particularly Vulnerable Tribal Groups.
PM-AJAY supports the development and welfare of Scheduled Caste communities through eligible interventions for livelihoods, infrastructure and social development.
The Pradhan Mantri Adarsh Gram Yojana is associated with the broader effort to develop eligible villages with substantial Scheduled Caste populations, and related objectives are covered within the PM-AJAY framework.
EMRS supports residential education for eligible tribal students through designated schools. Its aim is to improve educational access and provide a suitable learning environment for tribal children.
PM-DAKSH is associated with skill development and training for eligible disadvantaged groups, including specified categories under the programme’s framework.
The scheme aims to improve employability and economic opportunities rather than provide a standard cash benefit to all eligible groups.
PM-YASASVI provides educational support to eligible students from specified disadvantaged groups under its applicable components and guidelines.
Candidates should remember its connection with scholarships and education assistance. Exact eligibility and benefit amounts must be checked against the relevant scheme notification.
The Accessible India Campaign, also known as Sugamya Bharat Abhiyan, promotes accessibility for persons with disabilities. It focuses on improving access to public buildings, transport systems, information and other relevant environments.
Energy and environment government programmes promote clean energy, efficient resource use, emissions reduction, pollution control and environmental conservation. The most exam-relevant facts usually concern their target sector and primary objective.
PM Surya Ghar: Muft Bijli Yojana was launched in February 2024 to promote residential rooftop solar installations.
| Particular | Details |
| Launch Date | 13 February 2024 |
| Main Sector | Renewable energy |
| Target | One crore households under the approved scheme framework |
| Total Approved Outlay | ₹75,021 crore |
| Subsidy for a 1 kW System | ₹30,000 at applicable benchmark prices |
| Subsidy for a 2 kW System | ₹60,000 at applicable benchmark prices |
| Subsidy for a 3 kW or Higher System | Up to ₹78,000 at applicable benchmark prices |
| Responsible Ministry | Ministry of New and Renewable Energy |
The scheme provides central financial assistance for eligible residential rooftop systems. Its objective is to help households reduce their electricity bills and promote decentralised solar generation.
Although the scheme aims to enable participating households to obtain up to 300 units of free electricity per month, actual savings depend on installation capacity, electricity consumption and other applicable conditions.
PM-KUSUM promotes solar energy use in agriculture. Its components support areas such as decentralised renewable-power generation, solarisation of eligible agricultural pumps and related measures.
The primary association for examinations is solar energy for agricultural power needs and farmers.
The National Green Hydrogen Mission aims to develop India’s green-hydrogen production ecosystem and related capabilities. Its objectives include supporting clean-energy technologies, building industrial capacity and reducing emissions in relevant sectors.
SATAT stands for Sustainable Alternative Towards Affordable Transportation. It promotes the production and use of compressed biogas, including through the development of production facilities and related supply infrastructure.
Candidates should associate SATAT with compressed biogas and alternative fuels.
UJALA stands for Unnat Jyoti by Affordable LEDs for All. It promotes energy-efficient LED lighting and aims to reduce electricity consumption associated with conventional lighting.
Mission LiFE means Lifestyle for Environment. It promotes environmentally responsible behaviour and individual and community actions that support sustainable living.
Its focus includes reducing waste, using resources efficiently and encouraging environmentally conscious practices.
Namami Gange is a programme for the conservation and rejuvenation of the River Ganga. Its interventions address pollution control, wastewater treatment, river conservation and related environmental activities.
NCAP aims to improve air quality and reduce pollution in targeted cities through coordinated actions and pollution-control measures.
The Coconut Promotion Scheme was announced in the Union Budget 2026-27 to improve coconut productivity and strengthen the sector, including by replacing old and unproductive trees.
Candidates should remember its purpose and status. In March 2026, the scheme was still under formulation, with state-wise fund sanctions and utilisation details not finalised.
Infrastructure and digital-governance programmes aim to improve connectivity, logistics, urban services, digital public infrastructure and access to public services.
PM Gati Shakti focuses on integrated infrastructure planning and coordinated development across different modes of transport and economic infrastructure.
The programme seeks to improve coordination among departments, reduce infrastructure-planning gaps and strengthen multimodal connectivity.
The National Logistics Policy seeks to improve the efficiency of logistics services, strengthen coordination and lower logistics-related friction in the economy.
It complements infrastructure initiatives by focusing on the systems, processes and services required to move goods efficiently.
Amrit Bharat Station Scheme focuses on upgrading selected railway stations. Improvements may include better passenger facilities, circulation areas, accessibility, amenities and station infrastructure according to the approved plans.
Smart Cities Mission was launched in June 2015 to improve urban infrastructure, public services and the quality of life in 100 selected cities.
Its mission period was extended up to 31 March 2025 for completing remaining projects. In 2026, candidates should treat it as a major urban-development programme whose implementation and project-completion progress remain relevant, rather than assume its original mission period has been newly extended.
AMRUT 2.0 focuses on urban water security, including water supply, water-body rejuvenation and related urban infrastructure.
Digital India is a broad national programme aimed at strengthening digital infrastructure, expanding digital public services and improving access to digitally enabled government services.
Its scope includes multiple ministries and departments. It should not be treated as one individual cash-benefit scheme.
These digital systems are important for competitive examinations, but they perform different functions.
| Platform or System | Main Function |
| Aadhaar | Digital identity infrastructure |
| DigiLocker | Digital storage and verification of documents |
| UMANG | Access to multiple government services through a unified digital platform |
| Digital India | Broader programme for digital infrastructure and e-governance |
Aadhaar is an identity system, DigiLocker is a digital-document platform, UMANG is a government-services platform and Digital India is a broader national initiative. Their purposes should not be mixed up in multiple-choice questions.
Science and technology initiatives promote research, industrial capability, advanced manufacturing and digital innovation. Several major updates announced or approved in 2026 are particularly relevant to current-affairs questions.
India Semiconductor Mission 2.0 is aimed at strengthening India’s semiconductor ecosystem. It focuses on areas such as semiconductor equipment, materials, domestic chip-design capabilities, research, skills and supply-chain resilience.
The initiative was announced in the Union Budget 2026-27 and subsequently approved by the Union Cabinet in July 2026.
Candidates should distinguish its ecosystem-development objective from that of the Electronics Components Manufacturing Scheme, which focuses on domestic manufacturing of electronics components.
ECMS was notified in April 2025 to strengthen domestic manufacturing of electronic components and related inputs. Its initial outlay was ₹22,919 crore and was increased to ₹40,000 crore in the Union Budget 2026-27.
Its objective is to deepen the electronics supply chain beyond final assembly by supporting eligible domestic component manufacturing.
Biopharma SHAKTI was announced in the Union Budget 2026-27 with a proposed outlay of ₹10,000 crore over five years. It aims to strengthen India’s biopharmaceutical ecosystem, especially biologics, biosimilars, research and manufacturing.
The initiative is intended to improve domestic capabilities and support more affordable healthcare. Detailed contours were still under deliberation in March 2026, so candidates should distinguish the budget announcement from later implementation rules.
The Container Manufacturing Scheme was announced in the Union Budget 2026-27 with a proposed allocation of ₹10,000 crore over five years.
Its objective is to develop domestic container-manufacturing capacity and strengthen India’s position in global logistics and supply chains. Candidates should remember the ₹10,000 crore allocation and five-year period.
The National Geospatial Mission was announced as an initiative to strengthen geospatial infrastructure and the availability of geospatial data for planning and development.
It is associated with mapping, spatial data and the use of geospatial information in public planning and infrastructure development.
Startup India is an initiative to promote entrepreneurship, innovation and the development of the startup ecosystem. It works through different measures related to startup recognition, funding, business support and ecosystem development.
The Startup India Fund of Funds 2.0 is a separate funding mechanism under this broader initiative.
Make in India aims to strengthen domestic manufacturing, encourage investment and improve India’s position as a manufacturing destination.
It is a broad initiative, not a single loan or subsidy programme with one universal benefit.
PLI schemes provide eligible incentives linked to specified production or performance criteria in selected sectors. Their details differ by sector, including manufacturing, electronics and other strategic industries.
Candidates should identify the individual sector and its applicable guidelines when answering specific questions about PLI.
Khelo India Mission was announced in the Union Budget 2026-27 with a vision to transform India’s sports ecosystem over the following decade.
Its key areas include integrated talent-development pathways, coaching and support staff, sports science, technology and wider development of sporting capability.
It should be distinguished from the earlier Khelo India programme, even though the new mission builds on the sports-development framework.
The following directory covers additional programmes from the broader reference list, including agricultural, postal, scientific, export, education and time-bound initiatives. They remain useful for examination preparation, but their current status varies.
| Scheme | Main Objective or Exam Fact |
| PM Adarsh Gram Yojana | Development of eligible villages with significant Scheduled Caste populations; related objectives are covered within the broader PM-AJAY framework |
| Five Star Villages Scheme | Postal outreach programme launched in 2020 to improve rural access to selected postal products and services |
| PM Krishi Sinchayee Yojana | Irrigation and water-use efficiency |
| Soil Health Card Scheme | Soil testing and nutrient-management recommendations |
| e-NAM | Electronic agricultural-market integration |
| Paramparagat Krishi Vikas Yojana | Organic farming |
| National Food Security Mission | Food-crop production and productivity |
| Kisan Credit Card | Agricultural credit for eligible farmers |
| PM-AASHA | Agricultural price support and market intervention |
| PM Kisan SAMPADA Yojana | Food-processing infrastructure and value addition |
| PM Matsya Sampada Yojana | Fisheries and aquaculture development |
| Scheme | Main Objective or Exam Fact |
| Niryat Rin Vikas Yojana (NIRVIK) | Export-credit insurance support intended to improve access to finance for eligible exporters |
| Sahakar Mitra Scheme | Internship and exposure opportunities through the National Cooperative Development Corporation’s initiative |
| Stand-Up India | Bank-credit facilitation for eligible SC/ST and women entrepreneurs, subject to applicable scheme rules |
| Mahila Samman Savings Certificate | Historical two-year savings scheme for women and girls; no new deposits accepted after 31 March 2025 |
| PM Vaya Vandana Yojana | Earlier pension-oriented insurance product for senior citizens; withdrawn for new subscriptions on 31 March 2023 |
| Youth Hostel Scheme | Youth travel and accommodation-related programme; current facilities and eligibility depend on the applicable network and rules |
| Model Skill Loan Scheme | Institutional credit for eligible skill-development courses |
| Startup India Fund of Funds 2.0 | Venture-capital mobilisation for eligible startup funds |
| PM Viksit Bharat Rozgar Yojana | Employment-linked incentives under the approved scheme framework |
| Scheme or Initiative | Main Objective or Exam Fact |
| PM Innovative Learning Programme (DHRUV) | Earlier initiative to identify and mentor talented students; check the current programme call before assuming fresh enrolment is available |
| Mission COVID Suraksha | Time-bound COVID-19 vaccine research and development initiative announced in November 2020 |
| SERB-POWER | Research-support initiative for women scientists; check current calls and implementing arrangements under the updated research-funding framework |
| E-YUVA | Biotechnology and innovation-focused support for student entrepreneurship and early-stage innovation through the relevant programme framework |
| YUVA Scheme | Initiative to encourage young and aspiring writers through mentorship and writing-related support |
| Ayurswasthya Yojana | AYUSH and public-health programme |
| PM SHRI | Development of model schools |
| PMKVY | Skill training and certification |
| National Apprenticeship Promotion Scheme | Promotion of apprenticeship training |
| PM Internship Scheme | Internship opportunities for eligible young people |
| Scheme or Initiative | Main Objective or Exam Fact |
| Agnipath Scheme | Recruitment framework for Agniveers into the armed forces under prescribed service conditions |
| Digital India | Digital public infrastructure and e-governance |
| Mission Karmayogi | Civil-service capacity building and competency-based training |
| Mission Sagar | COVID-era Indian maritime humanitarian outreach operation in the Indian Ocean region |
| Sansad Adarsh Gram Yojana | Village-development initiative based on the adoption of villages by Members of Parliament |
| National Logistics Policy | Logistics efficiency and coordination |
| PM Gati Shakti | Integrated infrastructure planning |
| Swachh Bharat Mission | Sanitation and cleanliness |
| Smart Cities Mission | Urban-development mission whose original project-completion period was extended to March 2025 |
Mission Sagar and Mission COVID Suraksha are useful historical current-affairs topics, but neither should be presented as a general-purpose beneficiary scheme with continuously open applications in 2026.
| Scheme or Initiative | Main Objective or Exam Fact |
| Sustainable Alternative Towards Affordable Transportation (SATAT) | Compressed biogas and alternative fuels |
| Unnat Jyoti by Affordable LEDs for All (UJALA) | Energy-efficient LED lighting |
| Mission LiFE | Environmentally responsible lifestyles |
| Svamitva Yojana | Drone-based mapping of eligible rural inhabited properties and property-record support |
| Pradhan Mantri Gram Sadak Yojana | Rural road connectivity |
| PM Ujjwala Yojana | LPG connections for eligible women |
| PM Surya Ghar | Residential rooftop solar |
| Amrit Bharat Station Scheme | Railway-station infrastructure upgrades |
| PM Gati Shakti | Multimodal infrastructure planning |
| National Green Hydrogen Mission | Green-hydrogen ecosystem development |
Candidates should be able to recognise historical schemes even when new applications are no longer available.
| Scheme | Status or Important Note |
| Mahila Samman Savings Certificate | New deposits closed after 31 March 2025; existing accounts continue under their applicable maturity rules |
| PM Vaya Vandana Yojana | Withdrawn for new subscriptions on 31 March 2023 |
| Smart Cities Mission | Original mission period extended to 31 March 2025 for completing remaining projects |
| Mission COVID Suraksha | Time-bound vaccine R&D programme announced in November 2020 |
| Mission Sagar | COVID-era maritime humanitarian operation rather than an ongoing universal cash-benefit scheme |
| PM Innovative Learning Programme DHRUV | Historical initiative; fresh application availability depends on any later programme call |
| Coconut Promotion Scheme | Announced in the Union Budget 2026-27; detailed implementation was still under formulation in March 2026 |
| Biopharma SHAKTI | Announced in the Union Budget 2026-27; detailed scheme contours were under deliberation in March 2026 |
The item described in the broad reference list as “Financial Assistance as Interest Subsidy on Home Loan” does not identify one uniquely verifiable current Central Government scheme because the title is too general. It should be included in a publishable exam list only after confirming the exact programme name, responsible department, beneficiaries and current guidelines.
The most reliable way to identify a suitable government scheme is to search by beneficiary category, location, purpose and eligibility rather than choosing a scheme solely because of its name or advertised benefit.
Decide whether you need assistance with housing, education, agricultural credit, health insurance, employment, business finance, pension or another specific requirement.
The purpose matters because schemes that appear similar may offer different benefits and have different eligibility criteria.
Review the prescribed age, income, occupation, household, location and beneficiary conditions. Certain schemes also require specific documents, land records, bank-account details, certificates or verification through an authorised agency.
Do not assume that one income certificate or bank account automatically qualifies you for every government programme.
Use the National Portal of India, myScheme and the website or notification of the responsible ministry to identify relevant schemes.
These resources can help you check the scheme’s purpose, eligibility, benefit details and application process.
Check whether the programme is operational, whether its application window is open, and whether the relevant guidelines have been updated.
This is particularly important for schemes announced in the Union Budget 2026-27 and older initiatives whose original implementation periods have ended.
Apply through the designated portal, bank, department, institution or other implementing agency, as specified by the scheme. Submit the required documents and keep the acknowledgement or application reference for future correspondence.
Important: Avoid websites or messages promising guaranteed government payments to every citizen. Benefits such as ₹15,000, free electricity, business loans or pensions apply only under specific schemes and eligibility conditions. An advertised amount does not establish that the applicant qualifies.
Government schemes are frequently tested through direct questions about launch years, ministries, beneficiary groups, benefits and current updates. A structured revision method helps you remember these facts without mixing up schemes that serve similar purposes.
For each important scheme, record the following information:
Keep one short row per scheme so that the notes remain easy to revise before the examination.
Group schemes by their purpose so that their differences become easier to remember.
For example, revise PMJJBY, PMSBY and APY together because they relate to life insurance, accident insurance and pensions, respectively. Similarly, learn PM-KISAN, PMFBY, KCC and PM-AASHA together because they relate to farmer support but serve different purposes.
For 2026 preparation, revise major developments such as PM-RAHAT, PM Dhan-Dhaanya Krishi Yojana, Mission for Aatmanirbharta in Pulses, India Semiconductor Mission 2.0, Startup India Fund of Funds 2.0 and the restructuring of the National Social Assistance Programme.
Always distinguish between an announcement, a Cabinet approval, a formal notification and the start of implementation.
Use quiz questions to check whether you can identify the correct ministry, scheme objective, beneficiary group and benefit amount without looking at your notes.
Questions with similar options are especially useful for schemes such as PMJJBY versus PMSBY, PMAY-G versus PMAY-U 2.0, and PMKSY versus PM Kisan SAMPADA Yojana.
A practical routine is to revise a group of related schemes, attempt a small quiz and review all incorrect answers. Return to the schemes you confuse most frequently before moving to another category.
Use PracticeMock quizzes, mock tests and current-affairs resources alongside static scheme notes to evaluate your preparation and improve retention.
The following table summarises high-priority facts for last-minute revision. It is not a substitute for the detailed sections, but it helps you recall the principal association of each scheme quickly.
| Scheme | Important Fact to Remember |
| PM-KISAN | ₹6,000 per eligible farmer family annually |
| PMFBY | Crop insurance |
| KCC | Agricultural credit |
| PM-AASHA | Agricultural price support |
| PM Dhan-Dhaanya Krishi Yojana | 100 selected agricultural districts |
| Mission for Aatmanirbharta in Pulses | ₹11,440 crore for 2025-26 to 2030-31 |
| PMJDY | Basic banking and financial inclusion |
| PMJJBY | ₹2 lakh life cover; ₹436 annual premium |
| PMSBY | ₹2 lakh accidental death/full disability cover; ₹20 annual premium |
| APY | ₹1,000-₹5,000 minimum monthly pension after age 60 |
| PM Mudra Yojana | Credit to eligible micro-enterprises; Tarun Plus up to ₹20 lakh |
| PM SVANidhi | Credit support to eligible urban street vendors; lending extended to March 2030 |
| PM Vishwakarma | Training, toolkit incentive and credit for eligible traditional artisans |
| PMAY-G | Rural housing |
| PMAY-U 2.0 | Affordable urban housing |
| MGNREGA | Up to 100 days of rural household wage employment under the Act |
| Jal Jeevan Mission | Rural household tap-water connections |
| PM-JAY | Eligible hospitalisation cover up to ₹5 lakh per family per year |
| PM POSHAN | School meals |
| PMMVY | Maternity benefits |
| PM Ujjwala | LPG connections for eligible women |
| Sukanya Samriddhi Yojana | Savings for an eligible girl child |
| PM Surya Ghar | Residential rooftop solar |
| PM-KUSUM | Solar energy support for agriculture |
| PM-JANMAN | Particularly Vulnerable Tribal Groups |
| PM-JUGA | Tribal-community and village development |
| PM SHRI | Model schools |
| PM-RAHAT | Up to ₹1.5 lakh treatment cover for up to seven days |
| Bharat-VISTAAR | Multilingual digital agricultural information and advisory platform |
| Startup India Fund of Funds 2.0 | ₹10,000 crore corpus to mobilise startup investment |
| Biopharma SHAKTI | Announced ₹10,000 crore initiative for biologics and biosimilars |
| Electronics Components Manufacturing Scheme | Outlay increased to ₹40,000 crore in Budget 2026-27 |
| Pradhan Mantri Samajik Sahayata Yojana | Approved restructuring of NSAP in October 2026 |
The List of Important Government Schemes 2026 is useful for candidates preparing for Banking, SSC, UPSC, Railways, Insurance and other competitive examinations. A complete revision strategy should cover major flagship programmes, their ministries, objectives, beneficiaries, financial benefits and significant current-affairs developments.
Give special attention to PM-KISAN, PMJDY, PMJJBY, PMSBY, APY, PM Mudra Yojana, PM-JAY, PMAY, PM Vishwakarma, PM SVANidhi and PM Surya Ghar. For current-affairs preparation, revise the 2026 developments involving PM-RAHAT, PM Dhan-Dhaanya Krishi Yojana, Mission for Aatmanirbharta in Pulses, India Semiconductor Mission 2.0 and the updated National Social Assistance Programme.
The most effective approach is to combine scheme-wise notes, the 10-question quiz, regular current-affairs revision and PracticeMock’s mock-test practice. Always verify whether a programme is operational, newly approved, announced or closed to new applications before memorising its benefits as current facts.
Important schemes include PM-KISAN, PMJDY, PMJJBY, PMSBY, APY, PM Mudra Yojana, PM SVANidhi, Ayushman Bharat PM-JAY, PMAY, PM Surya Ghar and PM Vishwakarma. Candidates should also revise major recent updates, including PM-RAHAT, PM Dhan-Dhaanya Krishi Yojana and the restructuring of the National Social Assistance Programme.
For Banking Awareness, prioritise PMJDY, PMJJBY, PMSBY, APY, PM Mudra Yojana, Stand-Up India and PM SVANidhi. Learn the main objective, beneficiary category, loan or insurance amount, premium, eligibility and responsible ministry. Recent financial-inclusion updates and startup-funding initiatives are also relevant to current-affairs questions.
Important 2026 announcements and developments include India Semiconductor Mission 2.0, Biopharma SHAKTI, Container Manufacturing Scheme, Coconut Promotion Scheme, Khelo India Mission, Divyangjan Kaushal Yojana and Divyang Sahara Yojana. Their implementation status differs, so candidates should distinguish formally approved and operational programmes from initiatives whose detailed guidelines remain under development.
PM-KISAN provides eligible farmer families with ₹6,000 per year through three equal instalments of ₹2,000 each. The payment is made through Direct Benefit Transfer to eligible beneficiaries’ Aadhaar-seeded bank accounts. Eligibility depends on cultivable landholding and the applicable exclusion and verification rules.
Atal Pension Yojana provides a guaranteed minimum monthly pension ranging from ₹1,000 to ₹5,000 after the subscriber turns 60, depending on the selected pension option and contributions. Eligible subscribers generally join between ages 18 and 40, and income-tax payers are excluded under the applicable enrolment restrictions.
PMJJBY and PMSBY are the two important low-cost insurance schemes associated with financial inclusion. PMJJBY provides ₹2 lakh of life insurance cover at an annual premium of ₹436, while PMSBY provides accident insurance cover of ₹2 lakh for accidental death or full permanent disability and ₹1 lakh for partial permanent disability at an annual premium of ₹20, subject to scheme rules.
PM Mudra Yojana offers eligible micro-enterprises institutional credit through Shishu, Kishor, Tarun and Tarun Plus categories. Tarun Plus covers loans above ₹10 lakh and up to ₹20 lakh for eligible entrepreneurs who have successfully repaid a previous Tarun-category loan. Approval remains subject to the lending institution’s assessment and applicable guidelines.
PM Vishwakarma supports eligible traditional artisans and craftspeople working in 18 specified trades. It combines recognition through a certificate and identity card with skill training, toolkit incentives of up to ₹15,000, eligible collateral-free credit, digital-transaction incentives and marketing support. Beneficiaries must meet the prescribed trade, registration and verification requirements.
Important programmes include Beti Bachao Beti Padhao, Sukanya Samriddhi Yojana, PM Ujjwala Yojana, PM Matru Vandana Yojana, Mission Shakti, Lakhpati Didi and Namo Drone Didi. Each serves a different purpose, including education, savings, clean cooking fuel, maternity benefits, safety and self-help-group livelihoods. Mahila Samman Savings Certificate is a historical savings scheme whose new-account window closed in March 2025.
Candidates can prepare a scheme-wise revision document using official information from the National Portal of India, myScheme, the responsible ministries, Press Information Bureau updates and the Union Budget documents. Record each scheme’s name, ministry, objective, eligibility, benefits and current status. A saved PDF is useful for revision, but its facts should be updated when official rules change.
SBI PO Mains Cut Off 2026 is expected around 72-82 for UR. Check category-wise expected…
Get Percentage Questions and Answers for Bank Exam 2026 PDF with formulas, shortcut tricks, solved…
Central Warehousing Corporation (CWC) has come up with a total of 327 vacancies for Assistant…
Important Days in November 2026: Check national and international days, Indian festivals, historical facts and…
The allowances and benefits make the CWC salary attractive. Each position has a separate pay…
Follow UIIC AO Exam Day Guidelines 2026 with this checklist of documents, reporting time, exam…
Thousands of aspirants have cleared exams using PracticeMock’s exam-level mock tests.