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YojanaAI

Directory

Government schemes

Central and state schemes explained in plain language, each with a link to the official source.

12 schemes for “ghar banane ke liye”

Housing & householdCentral

Pradhan Mantri Awas Yojana – Gramin

₹1.20 lakh (plains) or ₹1.30 lakh (hilly and difficult areas) to build a pucca house

For: Rural families that are houseless or live in kutcha houses

See eligibility and documents

Housing & householdCentral

Pradhan Mantri Awas Yojana – Urban 2.0

Assistance to build or buy a house, or an interest subsidy on a home loan

For: Urban families in the EWS, LIG and MIG income groups without a pucca house

See eligibility and documents

Housing & householdCentral

Pradhan Mantri Ujjwala Yojana

A deposit-free LPG connection with the first refill and stove

For: Adult women from poor households that have no LPG connection

See eligibility and documents

Business & self-employmentCentral

PM SVANidhi

Collateral-free working-capital loans for street vendors in three rising stages (up to ₹15,000, ₹25,000 and ₹50,000), with interest subsidy and digital-payment rewards

For: Street vendors and hawkers in urban and nearby areas

See eligibility and documents

Women & childrenKarnataka

Gruha Lakshmi

₹2,000 a month to the woman head of the family

For: Women named as head of household on a ration card in Karnataka

See eligibility and documents

Women & childrenTamil NaduStatus changed: check

Kalaignar Magalir Urimai Thittam

₹1,000 a month to women heads of families

For: Women heads of households aged 21 and above in Tamil Nadu

See eligibility and documents

HealthCentral

Janani Suraksha Yojana

Cash assistance for delivering in a government or accredited health facility

For: Pregnant women, with a focus on low-income, SC and ST households

See eligibility and documents

Pension & insuranceCentralStatus changed: check

Indira Gandhi National Old Age Pension

Monthly pension for senior citizens; the central share is topped up by each state

For: People aged 60 and above from below-poverty-line households

See eligibility and documents

Pension & insuranceCentralStatus changed: check

Indira Gandhi National Widow Pension

Monthly pension for widows; the central share is topped up by each state

For: Widows aged 40 and above from below-poverty-line households

See eligibility and documents

Pension & insuranceCentralStatus changed: check

Indira Gandhi National Disability Pension

Monthly pension for persons with severe disability; states add their own share and often cover more people

For: Persons aged 18 and above with severe or multiple disabilities from below-poverty-line households

See eligibility and documents

Work & livelihoodCentralStatus changed: check

VB-G RAM G rural employment guarantee (formerly MGNREGA)

Up to 125 days of guaranteed paid unskilled work a year for each rural household

For: Adult members of rural households willing to do unskilled manual work

See eligibility and documents