Every Scheme You're Entitled To, in One Place
Free health cover, monthly income support, pucca homes, free electricity, women's cash assistance and more — real, active government schemes explained simply, with who qualifies and how to apply.
Yojanas That Touch Every Household
From farm income support to free healthcare and housing — here are the flagship central schemes millions of Indian families rely on today.
PM-KISAN Samman Nidhi
Income support of ₹2,000 every four months to every land-holding farmer family via Direct Benefit Transfer — no middlemen, money straight into Aadhaar-linked accounts. Over 11 crore farmers are covered nationwide.
Ayushman Bharat PM-JAY
The world's largest health insurance scheme — free, cashless hospital treatment at empanelled hospitals for secondary and tertiary care. Senior citizens aged 70+ now get a separate ₹5 lakh cover regardless of income, via the Vay Vandana Card.
PM Awas Yojana (Urban & Gramin)
Financial assistance to economically weaker and low-income families to build a permanent home. PM Awas Yojana Gramin 2.0 has released a fresh beneficiary list covering 2 crore new rural homes in 2026.
PM Surya Ghar Muft Bijli Yojana
Install rooftop solar and get up to 300 units of free power monthly, backed by a central subsidy of up to ₹78,000 on installation cost — cutting electricity bills to zero for many households.
E-Shram Card
A national database and ID card for unorganised-sector workers, offering accident insurance cover and priority access to 12 welfare schemes including PM Awas, PM Ujjwala and Ayushman Bharat.
MGNREGA — Rural Employment Guarantee
Every rural household is legally entitled to 100 days of guaranteed wage employment a year, with daily wages paid directly into bank accounts through Direct Benefit Transfer.
PM Mudra Yojana
Three loan categories — Shishu (up to ₹50,000), Kishore (₹50,001–5 lakh) and Tarun (₹5–10 lakh) — help small entrepreneurs and shopkeepers start or expand a business without collateral.
PM Fasal Bima Yojana
Affordable crop insurance protects farmers against losses from natural calamities, pests and disease — helping stabilise income even in a bad season.
PM SVANidhi
Small, collateral-free working-capital loans help street vendors restart and grow their businesses, with timely repayment unlocking access to bigger follow-on loans.
Mukhyamantri Majhi Ladki Bahin Yojana
Maharashtra's flagship women's welfare scheme puts ₹1,500 a month — ₹18,000 a year — directly into the bank accounts of eligible women, aged 21–65, from families earning under ₹2.5 lakh a year.
- Around 1.77 crore women are active beneficiaries as of 2026, after a state-wide eKYC verification drive.
- ₹26,000 crore allocated for the scheme in the 2026–27 state budget.
- Married, widowed, divorced, abandoned and destitute women all qualify — plus one unmarried woman per family.
- Beneficiaries can also access loans of ₹10,000 to ₹1 lakh at a low 9% interest rate.
Apply or check status at ladakibahin.maharashtra.gov.in — eKYC via Aadhaar OTP or biometric verification at your nearest Anganwadi centre or bank branch.
State Schemes for Farmers & Families
Punyashlok Ahilyadevi Holkar Debt Relief Scheme
The state's largest-ever farm debt relief programme wipes out old loans and issues fresh crop-loan cheques, alongside a ₹48,000 crore waiver of pending farm electricity bills for 50 lakh farmers.
Krishi Samruddhi Yojana
Funds farm ponds, drip irrigation and mechanisation, with priority for small, women and differently-abled farmers, plus dedicated subsidy support for organic farming.
Agricultural Pump Power Subsidy
The state government subsidises electricity for agricultural pumps up to 7.5 HP every year, keeping irrigation costs affordable for small and marginal farmers.
How to Check & Claim Your Benefits
Most schemes follow the same simple path — here's how to make sure you're not missing what you're entitled to.
Check Your Eligibility
Match your income, land holding, age and family status against the scheme's criteria — most schemes list this clearly on their official portal.
Keep Documents Ready
Aadhaar card, bank passbook (Aadhaar-linked), income certificate, land records (for farm schemes) and a recent photograph cover most applications.
Apply Online or at a CSC
Use the official scheme portal, or visit your nearest Common Service Centre (CSC) / Anganwadi / Setu Kendra for assisted, free application support.
Complete eKYC
Most schemes now require Aadhaar-based eKYC (OTP or biometric) to prevent duplicate or ineligible entries — don't skip this step or payments can pause.
Track Your Status
Check your application and payment status directly on the scheme portal using your Aadhaar number or registered mobile number.
Yojana in Action
"Our mantra should be: 'Beta Beti, Ek Samaan' — let us celebrate the birth of the girl child."— Narendra Modi, Prime Minister of India
Find Schemes You May Be Eligible For
Share a few basic details and see which schemes are worth checking out for your household.
Maharashtra State Government Schemes
Let’s discuss the schemes launched by the Maharashtra State Government here.
Mukhyamantri — Majhi Ladki Bahin Yojana — cash support for women (monthly benefit), large-scale women welfare program launched by Maharashtra (state portal and district pages).
https://pune.gov.in
Chief Minister Vayoshree (Vayoshree Yojana) — welfare assistive devices (wheelchairs, hearing aids etc.) for senior citizens (state Social Justice dept pages).
Official: https://sjsa.maharashtra.gov.in/en/scheme/chief-minister-vayoshree-scheme/
Maharashtra SMART Solar / Swayampurna Maharashtra Residential Rooftop (state solar subsidies) — state rooftop solar subsidy program to complement central schemes; aimed at low-income households.
Article / announcement: Times of India coverage on the SMART Solar scheme (state subsidy details). The Times of India
Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) — Maharashtra’s flagship state health insurance (merged/coordinated with Ayushman Bharat in parts).
Official: Jeevandayee / state health portals information (MJPJAY pages). Jeevandayee
State DBT / MahaDBT portals (MAHA DBT Sarv Shetkari etc.) — Maharashtra’s DBT portals for farmer subsidies and other beneficiary schemes (mahadbt.maharashtra.gov.in and related).
Official portal and district references. Mumbai Suburban District+1
Maharashtra Startup & Innovation Policies (MAITRI / state startup policy) — state efforts to boost startups, seed funds, incubation and export promotion (MAITRI, state startup policy pages).
Official: MAITRI pages and state policy documents (maitri.maharashtra.gov.in). Maitri+1
Ayushman Bharat — PM-JAY (Pradhan Mantri Jan Arogya Yojana) — national health insurance: cashless hospitalization cover up to ₹5 lakh per family.
Pradhan Mantri Awas Yojana (PMAY — Urban & Rural) — “Housing for All” by 2022/expanded; subsidies, affordable housing, slum redevelopment.
Pradhan Mantri Kaushal Vikas Yojana (PMKVY) / Skill India initiatives — short-term skill training and certifications to boost employability.
Stand Up India — credit and handholding for SC/ST and women entrepreneurs (loans for greenfield enterprises)
Pradhan Mantri Fasal Bima Yojana (PMFBY) — crop insurance scheme (launched 2016) for farmers to cover crop loss.
PM-KISAN (Pradhan Mantri Kisan Samman Nidhi) — direct cash transfer (income support) to small and marginal farmers (launched 2019).
Maharashtra State Government Schemes
Let’s discuss the schemes launched by the Maharashtra State Government here.
Pune Smart City Mission (projects under Smart City Pune) — city-level projects (CCTV, mobility, public spaces, smart parking, IoT initiatives).
Official: https://punesmartcity.in/ (and Smart City projects on PMC). Pune Smart City+1
Article: Times of India coverage e.g., CCTV integration story. The Times of India
Pune Metro (MahaMetro / PMRDA projects) — metro rail network for Pune metropolitan region (Lines, fares, passes).
Official: https://www.punemetrorail.org/ and PMRDA pages for Line-3 etc. Pune Metro Rail Project+1
Article/summary: Pune Metro project pages / news summaries. Wikipedia
Maharashtra SMART Solar / Swayampurna Maharashtra Residential Rooftop (state solar subsidies) — state rooftop solar subsidy program to complement central schemes; aimed at low-income households.
Article / announcement: Times of India coverage on the SMART Solar scheme (state subsidy details). The Times of India
Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) — Maharashtra’s flagship state health insurance (merged/coordinated with Ayushman Bharat in parts).
Official: Jeevandayee / state health portals information (MJPJAY pages). Jeevandayee
Ayushman Bharat / PM-JAY — Pune rollout — district portal lists beneficiary/health coverage under PM-JAY in Pune.
Official: Pune district / state health pages mention AB-PMJAY rollout. Pune District Government+1
Maharashtra Startup & Innovation Policies (MAITRI / state startup policy) — state efforts to boost startups, seed funds, incubation and export promotion (MAITRI, state startup policy pages).
Official: MAITRI pages and state policy documents (maitri.maharashtra.gov.in). Maitri+1
PMC direct benefit transfer / local welfare DBT portals (PMC DBT / scheme application pages) — PMC runs its own DBT and benefit application portals and project lists (see PMC DBT and scheme pages).
Official: dbt.pmc.gov.in and PMC website scheme pages. dbt.pmc.gov.in+1
PMC social & educational assistance schemes (e.g., Educational Aid, Urban Poor Health Scheme, Ramai Awas Gharkul local housing assistance) — local PMC welfare schemes listed on PMC website.
Official: PMC schemes and sitemap pages (PMC schemes list). pmc.gov.in+1
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