Government schemes

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

23 schemes for “kisan pension”

Farming & alliedCentral

PM Kisan Maan-Dhan Yojana

₹3,000 monthly pension after the age of 60, with a matching government contribution

For: Small and marginal farmers aged 18 to 40

See eligibility and documents

Pension & insuranceCentral

PM Shram Yogi Maan-Dhan

₹3,000 monthly pension after the age of 60, with a matching government contribution

For: Unorganised workers aged 18 to 40 earning up to ₹15,000 a month

See eligibility and documents

Women & childrenMadhya Pradesh

Mukhyamantri Ladli Behna Yojana

₹1,500 a month by direct bank transfer

For: Married, widowed, divorced or abandoned women aged 21 to 59 living in Madhya Pradesh

See eligibility and documents

Farming & alliedCentral

PM Kisan Samman Nidhi

₹6,000 a year in three instalments, paid directly to the bank account

For: Farmer families that own cultivable land

See eligibility and documents

Farming & alliedCentral

Kisan Credit Card

Short-term farm credit at a reduced interest rate for prompt repayment

For: Farmers, tenant farmers, and animal husbandry and fisheries workers

See eligibility and documents

Pension & insuranceCentral

Atal Pension Yojana

Guaranteed monthly pension of ₹1,000 to ₹5,000 after the age of 60

For: Citizens aged 18 to 40 with a savings bank account

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

FPOs, clusters & institutionsCentral

Agriculture Infrastructure Fund

3% interest subvention and credit guarantee on loans up to ₹2 crore for post-harvest and community farm infrastructure

For: Farmers, FPOs, PACS, cooperatives, SHGs, agri-entrepreneurs and start-ups

See eligibility and documents

Farming & alliedCentral

Pradhan Mantri Fasal Bima Yojana

Crop insurance at a low farmer premium (about 1.5% to 2% for most food crops)

For: Farmers, including tenants and sharecroppers, growing notified crops in notified areas

See eligibility and documents

Farming & alliedCentral

Soil Health Card Scheme

Free soil testing with crop-wise fertiliser recommendations

For: All farmers with agricultural land

See eligibility and documents

Farming & alliedCentralStatus changed: check

PM-KUSUM (solar pumps and plants)

Central and state subsidy on standalone solar pumps; farmers can also set up solar plants on their land

For: Farmers, farmer groups, cooperatives and panchayats

See eligibility and documents

Business & self-employmentCentral

Pradhan Mantri Mudra Yojana

Collateral-free business loans: Shishu (up to ₹50,000), Kishore (up to ₹5 lakh), Tarun (up to ₹10 lakh) and Tarun Plus (up to ₹20 lakh for eligible repeat borrowers)

For: Non-farm micro and small businesses: shops, traders, service providers, small manufacturers

See eligibility and documents

HealthCentral

Ayushman Vay Vandana Card (70+)

₹5 lakh yearly health cover for senior citizens aged 70 or above, shared by the seniors in a family

For: All citizens aged 70 and above, whatever their income

See eligibility and documents

Pension & insuranceCentral

PM Suraksha Bima Yojana

₹2 lakh accident insurance for a premium of ₹20 a year

For: Bank or post office account holders aged 18 to 70

See eligibility and documents

Pension & insuranceCentral

PM Jeevan Jyoti Bima Yojana

₹2 lakh life insurance for a premium of ₹436 a year

For: Bank or post office account holders aged 18 to 50

See eligibility and documents

Work & livelihoodCentral

e-Shram registration

A national worker ID (UAN) that links unorganised workers to social security schemes

For: Unorganised workers aged 16 to 59

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

FPOs, clusters & institutionsCentralStatus changed: check

Formation and Promotion of 10,000 FPOs

Management support up to ₹18 lakh over three years, matching equity grant up to ₹2,000 per farmer member (maximum ₹15 lakh) and a credit guarantee facility for each FPO

For: Groups of farmers forming a Farmer Producer Organisation

See eligibility and documents

Work & livelihoodState Building & Other Construction Workers Welfare Boards

Construction worker (BOCW) welfare board registration

Access to board benefits such as children’s education aid, maternity and medical help, and pension (they differ by state)

For: Building and construction workers aged 18 to 60

See eligibility and documents

Business & self-employmentCentralStatus changed: check

Stand-Up India

Bank loans from ₹10 lakh to ₹1 crore for a new (greenfield) enterprise

For: SC or ST entrepreneurs and women entrepreneurs

See eligibility and documents

Women & childrenWest BengalStatus changed: check

Lakshmir Bhandar / Annapurna Bhandar

Monthly cash transfer to women by direct bank transfer; the amount has changed, so check the current figure

For: Women aged 25 to 60 living in West Bengal

See eligibility and documents