# sessions

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user_agent:
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payload:
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# schemes

slug: mudra
name: Pradhan Mantri MUDRA Yojana (PMMY)
short_name: Mudra
ministry: Department of Financial Services, Ministry of Finance
category: business
benefit_type: loan
audience_tags: ["citizen","msme","woman","artisan"]
need_tags: ["loan","business"]
apply_url: https://www.mudra.org.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Institutional collateral-free credit for non-corporate, non-farm micro enterprises under PMMY, with Shishu, Kishore, Tarun and Tarun Plus categories.

benefit_text:
  As stated by DFS (Ministry of Finance):

  • Collateral is not required under PMMY.
  • Loan categories:
    – Shishu: up to ₹50,000
    – Kishore: 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 for entrepreneurs who have availed and successfully repaid previous loans under the Tarun category (w.e.f. 24.10.2024).

  Exact product terms (interest, tenure, documentation pack) are decided by the Member Lending Institution as per its credit policy. Always confirm the current product sheet with the lender.

documents:
  ["Identity proof (as required by the Member Lending Institution)","Address proof (as required by the lender)","Bank account details \/ passbook or cancelled cheque (as required by the lender)","Business \/ activity related papers demanded by the lender (project details, quotations, licences where applicable)","Any other KYC or credit documents prescribed by the Member Lending Institution"]

source_urls:
  ["https:\/\/financialservices.gov.in\/pradhan-mantri-mudra-yojana-pmmy","https:\/\/www.mudra.org.in\/"]

eligibility_text:
  Official DFS description focuses on micro enterprises needing institutional collateral-free credit for non-agricultural (including allied agriculture) purposes.

  There is no single universal income ceiling published on the DFS PMMY page. Eligibility is assessed by the Member Lending Institution (bank / NBFC / MFI / SFB / RRB, etc.).

  Vedica note: final sanction depends on the lender’s appraisal. Use the official portals below and confirm with the branch before applying.

how_to_apply:
  1. Review scheme features on the DFS PMMY page and mudra.org.in.
  2. Approach any Member Lending Institution listed under PMMY, or apply online through www.udyamimitra.in (linked from mudra.org.in).
  3. Submit the application and papers demanded by that lender.
  4. Track sanction and disbursement with the same institution.

  Vedica does not process MUDRA loans.

about_text:
  Pradhan Mantri MUDRA Yojana (PMMY) was launched on 08.04.2015 with the objective of providing access to institutional collateral-free credit to micro enterprises.

  According to the Department of Financial Services (DFS), Ministry of Finance, PMMY loans cover non-agricultural purposes, including activities allied to agriculture such as poultry, dairy and beekeeping. Both term loan and working capital requirements can be met.

  MUDRA (Micro Units Development & Refinance Agency) classifies these loans under PMMY. Lending is done by Member Lending Institutions such as commercial banks, RRBs, Small Finance Banks, MFIs and NBFCs. Borrowers may approach a lending institution or apply online via the Udyamimitra portal referenced on mudra.org.in.

faqs:
  [{"q":"Is collateral required under PMMY?","a":"DFS states that collateral is not required under PMMY. Lenders may still follow their credit appraisal norms for other conditions."},{"q":"What is Tarun Plus?","a":"DFS lists Tarun Plus as above \u20b910 lakh and up to \u20b920 lakh for entrepreneurs who availed and successfully repaid previous Tarun-category loans, effective 24.10.2024."},{"q":"Where is the official guidelines PDF?","a":"As of verification date, DFS and mudra.org.in publish scheme features on official web pages. No separate master PMMY guidelines PDF was linked on those pages; confirm any forms\/PDFs on mudra.org.in before relying on third-party copies."}]


slug: pm-kisan
name: Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)
short_name: PM-KISAN
ministry: Ministry of Agriculture & Farmers’ Welfare
category: agriculture
benefit_type: other
audience_tags: ["farmer"]
need_tags: ["income_support"]
apply_url: https://pmkisan.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://www.pmkisan.gov.in/Documents/Revised%20Operational%20Guidelines%20-%20PM-Kisan%20Scheme.pdf
lifecycle_status: active
summary:
  Central Sector income-support scheme providing ₹6,000 per year to eligible landholding farmer families in three instalments of ₹2,000, subject to exclusion categories.

benefit_text:
  Official portal / operational guidelines:

  • Income support of ₹6,000 per year.
  • Paid in three equal instalments of ₹2,000 every four months (April–July, August–November, December–March as described in guidelines).
  • Benefit transferred directly to the beneficiary bank account (DBT).

  Definition of family for the scheme (portal): husband, wife and minor children.

documents:
  ["Aadhaar number (portal\/guidelines emphasise Aadhaar-linked payments; alternate IDs historically allowed only where specifically exempted)","Land records \/ landholder details as maintained by the State\/UT","Bank account number and IFSC","Mobile number (advised for communication; capture when available)","Self-declaration relating to exclusion categories as required by the State\/UT"]

source_urls:
  ["https:\/\/pmkisan.gov.in\/","https:\/\/www.pmkisan.gov.in\/Documents\/Revised%20Operational%20Guidelines%20-%20PM-Kisan%20Scheme.pdf"]

eligibility_text:
  Eligible: landholding farmer families as identified by State/UT administrations as per scheme guidelines (benefit linked to names entered in land records, with stated exceptions for certain North-Eastern contexts / Jharkhand as described in guidelines).

  Exclusion categories published on pmkisan.gov.in / guidelines include, among others:
  • All institutional land holders.
  • Former and present holders of constitutional posts; former/present Ministers and legislators and certain local body chairpersons as listed.
  • Serving or retired officers/employees of Central/State Government and related bodies (with stated exclusions for Multi Tasking Staff / Class IV / Group D).
  • Superannuated/retired pensioners with monthly pension of ₹10,000 or more (with the same Class IV/Group D carve-out as published).
  • Persons who paid Income Tax in the last assessment year.
  • Professionals such as Doctors, Engineers, Lawyers, Chartered Accountants and Architects registered with professional bodies and carrying out profession by undertaking practices.

  States take self-declaration for exclusion certification as described in guidelines. Incorrect declaration can attract recovery and penal action.

how_to_apply:
  1. Visit the official PM-KISAN portal: https://pmkisan.gov.in/
  2. Use citizen/farmer services on the portal (registration / status / eKYC as enabled by the portal).
  3. States/UTs remain responsible for identifying and validating eligible farmers in land records.
  4. Complete eKYC / Aadhaar seeding requirements as directed on the portal for continued instalments.

  Do not use unofficial third-party apps claiming to enrol farmers.

about_text:
  PM-KISAN is a Central Sector Scheme of the Government of India to provide income support to landholding farmer families.

  As published on pmkisan.gov.in and in the Revised Operational Guidelines (revised as on 21.6.2019), an amount of ₹6,000 per year is released by the Central Government online directly into the bank accounts of eligible farmers under Direct Benefit Transfer, subject to exclusions.

  State / UT Governments identify eligible farmer families. The PM-Kisan Portal is used for beneficiary data and benefit transfer processes.

faqs:
  [{"q":"How much is paid under PM-KISAN?","a":"Official portal\/guidelines state \u20b96,000 per year in three instalments of \u20b92,000."},{"q":"Who identifies beneficiaries?","a":"State Government \/ UT administration identifies eligible farmer families as per scheme guidelines."}]


slug: pmay-u-20
name: Pradhan Mantri Awas Yojana - Urban 2.0 (PMAY-U 2.0)
short_name: PMAY-U 2.0
ministry: Ministry of Housing and Urban Affairs
category: housing
benefit_type: subsidy
audience_tags: ["citizen","woman"]
need_tags: ["housing"]
apply_url: https://pmaymis.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://pmay-urban.gov.in/uploads/guidelines/Operational-Guidelines-of-PMAY-U-2.pdf
lifecycle_status: active
summary:
  Housing for All mission for urban areas (from 01.09.2024) with verticals including Beneficiary Led Construction, Affordable Housing in Partnership, Affordable Rental Housing and Interest Subsidy Scheme.

benefit_text:
  Benefits depend on the vertical chosen (BLC / AHP / ARH / ISS) and income segment (EWS / LIG / MIG) as defined in the official PMAY-U 2.0 Operational Guidelines (September 2024).

  Guidelines define beneficiary family, income slabs (EWS up to ₹3 lakh; LIG ₹3–6 lakh; MIG ₹6–9 lakh — States/UTs may redefine EWS income criteria with Ministry concurrence), and that the family should not own a pucca house anywhere in India in the name of the beneficiary or any family member.

  Interest Subsidy Scheme (ISS) and other verticals have detailed assistance norms in the official PDF. Read the vertical-specific chapters before applying.

documents:
  ["Identity proof (Aadhaar \/ other KYC as required on PMAY-U 2.0 MIS)","Address \/ residence proof for the urban area as required","Income proof relevant to EWS \/ LIG \/ MIG slab","Declaration \/ undertaking of not owning a pucca house anywhere in India (as required by the vertical \/ ULB \/ PLI)","Property \/ construction \/ loan documents depending on vertical (BLC, AHP, ARH or ISS)","Any other documents listed in the official SoP \/ MIS application flow"]

source_urls:
  ["https:\/\/pmay-urban.gov.in\/about","https:\/\/pmay-urban.gov.in\/uploads\/guidelines\/Operational-Guidelines-of-PMAY-U-2.pdf","https:\/\/pmaymis.gov.in\/"]

eligibility_text:
  From PMAY-U 2.0 Operational Guidelines (MoHUA, September 2024):

  • Beneficiary family comprises husband, wife, unmarried sons and/or unmarried daughters.
  • Families belonging to EWS/LIG/MIG segments living in urban areas.
  • Should not own a pucca house (all-weather dwelling unit) either in his/her name or in the name of any member of his/her family in any part of India.
  • Income definitions: EWS — annual income up to ₹3.0 lakh (States/UTs may redefine with Ministry concurrence); LIG — ₹3.0 lakh up to ₹6.0 lakh; MIG — ₹6 lakh up to ₹9 lakh.
  • Additional vertical-specific conditions (carpet area, project type, residence requirements, etc.) apply as per guidelines.

  Applicants must select one vertical and meet that vertical’s criteria on the PMAY-U 2.0 MIS / portal.

how_to_apply:
  1. Read Operational Guidelines of PMAY-U 2.0 on pmay-urban.gov.in.
  2. Use the PMAY-U 2.0 website / MIS at pmaymis.gov.in (PMAY-U 2.0 module) to understand verticals and file applications as enabled for citizens / ULBs / PLIs.
  3. For Interest Subsidy Scheme, process typically involves Primary Lending Institutions and Central Nodal Agencies as described in guidelines.
  4. Track application status on the official MIS only.

  User manuals on pmaymis.gov.in describe beneficiary application steps for PMAY-U 2.0.

about_text:
  Pradhan Mantri Awas Yojana - Urban 2.0 (PMAY-U 2.0) is implemented by the Ministry of Housing and Urban Affairs to address affordable housing needs of eligible urban families.

  Official Operational Guidelines (September 2024) on pmay-urban.gov.in state the Mission will be implemented for 5 years from 01.09.2024 to provide Central Assistance through States/UTs/Primary Lending Institutions to construct, purchase or rent a house at an affordable cost.

  Verticals:
  • Beneficiary Led Construction (BLC)
  • Affordable Housing in Partnership (AHP)
  • Affordable Rental Housing (ARH)
  • Interest Subsidy Scheme (ISS)

  ISS is implemented as a Central Sector Scheme; other verticals as Centrally Sponsored Scheme, as stated in the guidelines.

faqs:
  [{"q":"When did PMAY-U 2.0 start?","a":"Official guidelines state implementation for 5 years from 01.09.2024."},{"q":"Can a family that already owns a pucca house apply?","a":"Guidelines state the beneficiary family should not own a pucca house anywhere in India in the beneficiary\u2019s or family member\u2019s name."}]


slug: cgtmse
name: Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE / CGS-I)
short_name: CGTMSE
ministry: Ministry of Micro, Small and Medium Enterprises (implemented by CGTMSE with SIDBI)
category: business
benefit_type: guarantee
audience_tags: ["msme","citizen"]
need_tags: ["loan","guarantee","business"]
apply_url: https://www.cgtmse.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Credit guarantee cover for Member Lending Institutions on eligible collateral-light / collateral-free credit to Micro and Small Enterprises, so MSEs can access bank credit more easily.

benefit_text:
  From the official CGTMSE CGS-I Scheme Document (updated 01.04.2025):

  • Guarantee cover is available for eligible fund-based and/or non-fund-based credit facilities extended by MLIs to a single eligible MSE borrower.
  • Maximum guarantee coverage limit for a borrower is capped at ₹10 crore (overall), with MLI-category wise facility ceilings stated in the scheme document (for example, up to ₹10 crore for public/private/foreign banks and select FIs; lower caps for SFBs/RRBs/cooperative banks and MFIs as listed).
  • Coverage is designed for facilities without collateral / third-party guarantee; a hybrid / partial-collateral model is also described for the unsecured portion.
  • Guarantee fee / Annual Guarantee Fee structure is prescribed by CGTMSE and paid by the MLI as per circulars.

  Exact cover percentage, fee and claim process depend on current CGTMSE circulars — always confirm on www.cgtmse.in.

documents:
  ["Business \/ MSE related papers required by the Member Lending Institution","KYC of proprietors \/ partners \/ directors as demanded by the lender","Udyam \/ MSME related registration details if asked by the lender","Financials, quotations, project details as per bank credit policy","Any other documents prescribed by the MLI for appraisal"]

official_pdf_url:
  https://www.cgtmse.in/Default/ViewFile/?id=1743176302611_CGTMSE+-+Scheme+Document+CGS+I_updated+as+on+Apr+1+2025.pdf&path=Page

source_urls:
  ["https:\/\/www.cgtmse.in\/","https:\/\/www.cgtmse.in\/Default\/ViewFile\/?id=1743176302611_CGTMSE+-+Scheme+Document+CGS+I_updated+as+on+Apr+1+2025.pdf&path=Page","https:\/\/msme.gov.in\/"]

eligibility_text:
  From official CGTMSE CGS-I document:

  • Eligible borrower: new or existing Micro and Small Enterprise as defined under the MSMED Act, 2006, obtaining credit from an MLI without (or with partial) collateral as per scheme models.
  • Credit facility must be extended by a Member Lending Institution that has an agreement with the Trust.
  • Activity and facility must fit CGTMSE’s eligible credit definitions (term loan and/or working capital and eligible non-fund based facilities as listed).

  Final loan sanction is by the bank/MLI. CGTMSE guarantee is a lender-side cover, not a direct citizen grant.

how_to_apply:
  1. Approach a bank / MLI that participates in CGTMSE for an MSE term loan / working capital (or eligible non-fund based facility).
  2. Complete the lender’s KYC, project and credit appraisal process.
  3. If the lender opts for CGTMSE cover, the MLI applies for guarantee on the CGTMSE portal — the borrower does not file a separate public “CGTMSE application form” as the primary route.
  4. Track sanction and disbursement with the same lending institution.

  Official scheme documents and circulars: www.cgtmse.in

about_text:
  The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) implements the Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGS-I).

  Official CGTMSE Scheme Document (updated as on 01.04.2025) states the Trust provides guarantees for credit facilities extended by Member Lending Institutions (MLIs) to eligible Micro and Small Enterprise borrowers.

  Borrowers do not apply to CGTMSE for a “guarantee certificate” as end-users. They approach an MLI for an MSE credit facility; the MLI may seek CGTMSE guarantee cover as per scheme rules.

faqs:
  [{"q":"Do I apply on cgtmse.in as a borrower?","a":"CGTMSE primarily covers MLIs. Borrowers typically approach a participating bank\/MLI for MSE credit; the MLI seeks guarantee cover."},{"q":"What is the maximum guarantee coverage limit?","a":"The official CGS-I document updated 01.04.2025 states a maximum guarantee coverage cap of \u20b910 crore per eligible borrower (subject to MLI-category facility ceilings in the same document)."}]


slug: pm-svanidhi
name: PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi)
short_name: PM SVANidhi
category: business
benefit_type: loan
audience_tags: ["citizen","artisan","msme"]
need_tags: ["loan","business"]
apply_url: https://pmsvanidhi.mohua.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
ministry:
  Ministry of Housing and Urban Affairs (with DFS for lending facilitation; SIDBI implementing agency support)

summary:
  Central Sector micro-credit scheme for urban street vendors: collateral-free working-capital loans in three tranches, interest subsidy, digital incentives, and related support; lending extended through March 2030 under revised guidelines.

benefit_text:
  From revised PM SVANidhi Scheme Guidelines (16.09.2025):

  • Collateral-free working capital term loan in three tranches:
    – 1st tranche: up to ₹15,000 (repayable in 12 months)
    – 2nd tranche: up to ₹25,000 (repayable in 18 months)
    – 3rd tranche: up to ₹50,000 (repayable in 36 months)
  • Next tranche after timely/early repayment of the previous tranche.
  • Interest subsidy at 7% per annum (credited to borrower account quarterly when account remains standard as described).
  • Credit guarantee support for Lending Institutions as per scheme/CGTMSE circulars.
  • Digital transaction incentives / cashback framework as described in guidelines (including up to ₹1,200 per year per tranche under the stated digital cashback design).
  • Additional components: Support to Urban Street Vendors (SUSV), capacity building, and (for eligible vendors) credit card facility as separately guided.

  Confirm current product terms on the official PMS Portal and with the Lending Institution.

documents:
  ["Certificate of Vending \/ Vendor ID Card (where available)","Letter of Recommendation issued digitally on PMS Portal (where required)","Aadhaar \/ KYC as required by the Lending Institution","Bank account details for disbursement and subsidy credit","Any other documents demanded on the PMS Portal \/ by the LI"]

official_pdf_url:
  https://www.cgtmse.in/Default/ViewFile/?id=1767027747558_PM+SVANidhi+Scheme+Guidelines+-+16.9.25%28Annexure+-I%29.pdf&path=Circular

source_urls:
  ["https:\/\/pmsvanidhi.mohua.gov.in\/","https:\/\/www.cgtmse.in\/Default\/ViewFile\/?id=1767027747558_PM+SVANidhi+Scheme+Guidelines+-+16.9.25%28Annexure+-I%29.pdf&path=Circular","https:\/\/www.cgtmse.in\/Default\/ViewFile\/?id=1767027845598_Loan+Operational+Guidelines+-+16.09.2025%28Annexure+-II%29.pdf&path=Circular"]

eligibility_text:
  Target beneficiaries are street vendors vending in various city-regions, as stated in revised guidelines.

  Identification / documentation typically involves Certificate of Vending (CoV) / Identity Card / Letter of Recommendation (LoR):
  • In statutory towns: CoV / ID / LoR issued by TVC / ULBs.
  • In census towns / peri-urban areas as described: issuance via Block Development Offices after verification.

  Vendors holding valid CoV/ID can apply with a preferred Lending Institution on the PMS Portal; LoR rules for those without CoV/ID are detailed in the Loan Operational Guidelines (manual LoRs are not valid — LoR must be via PMS Portal).

  Lending Institution credit decision remains final.

how_to_apply:
  1. Use the official portal: https://pmsvanidhi.mohua.gov.in/
  2. If you have CoV/ID, apply for the loan with your preferred Lending Institution on the portal.
  3. If LoR is required, obtain digital LoR only through the PMS Portal (not manually).
  4. Complete KYC and papers demanded by the Lending Institution / ULB facilitation channel (CSC / BC / MFI agent as locally enabled).
  5. Track status only on the official portal.

  Do not rely on unofficial third-party enrolment apps.

about_text:
  PM SVANidhi is a Central Sector Scheme of MoHUA to support urban street vendors with affordable working-capital credit and related interventions.

  Revised Scheme Guidelines (16.09.2025) state that the Cabinet has approved extension of the lending period till 31.03.2030, with servicing of components such as credit guarantee, interest subsidy and digital incentives for longer periods as specified in the guidelines.

  Applications and Letter of Recommendation (LoR) flows are handled through the official PMS Portal: https://pmsvanidhi.mohua.gov.in/

faqs:
  [{"q":"What are the revised tranche limits?","a":"Revised guidelines (16.09.2025) list up to \u20b915,000 \/ \u20b925,000 \/ \u20b950,000 for first \/ second \/ third tranches respectively."},{"q":"Till when is lending extended?","a":"Revised guidelines state lending period extension till 31 March 2030."}]


slug: pm-vishwakarma
name: PM Vishwakarma
short_name: PM Vishwakarma
ministry: Ministry of Micro, Small and Medium Enterprises (with MSDE for skill components)
category: business
benefit_type: loan
audience_tags: ["artisan","msme","citizen"]
need_tags: ["loan","skill","business"]
apply_url: https://pmvishwakarma.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://pmvishwakarma.gov.in/cdn/MiscFiles/eng_v30.0_PM_Vishwakarma_Guidelines_final.pdf
lifecycle_status: active
summary:
  Central Sector scheme for traditional artisans and craftspeople in notified trades: recognition, skill upgradation, toolkit incentive, and collateral-free enterprise development loans with interest subvention.

benefit_text:
  From official PM Vishwakarma guidelines:

  • Recognition as Vishwakarma with digital certificate / ID card after multi-step verification.
  • Skill Assessment, Basic Training (~40 hours / 5–7 days) and optional Advanced Training (~120 hours / 15+ days), with stipend of ₹500 per day during training and free board/lodging as stated.
  • Toolkit incentive up to ₹15,000 via e-RUPI / e-vouchers after Skill Assessment.
  • Collateral-free Enterprise Development Loans: first tranche up to ₹1 lakh; second tranche up to ₹2 lakh (second tranche after full repayment of first, not before six months from first disbursement, and other conditions such as standard account + digital adoption or Advanced Training).
  • Concessional interest charged to beneficiary at 5%, with Government interest subvention up to 8% to banks as illustrated in guidelines.
  • Digital transaction incentive of ₹1 per eligible digital transaction (up to 100 eligible transactions monthly) as described.

  Exact trade list and process steps are in the official guidelines PDF.

documents:
  ["Aadhaar for biometric authentication","Bank account details (Aadhaar-linked preferred for DBT components)","Ration card \/ family details as required for one-member-per-family check","Trade \/ self-employment related information as captured on the portal","Any other document demanded by CSC \/ verification committees \/ lender"]

source_urls:
  ["https:\/\/pmvishwakarma.gov.in\/","https:\/\/pmvishwakarma.gov.in\/cdn\/MiscFiles\/eng_v30.0_PM_Vishwakarma_Guidelines_final.pdf","https:\/\/www.pib.gov.in\/Pressreleaseshare.aspx?PRID=1959098"]

eligibility_text:
  From official guidelines:

  • Artisan/craftsperson working with hands and tools in one of the scheme’s family-based traditional trades, in the unorganised/informal sector on self-employment basis.
  • Minimum age 18 years on the date of registration.
  • Should be engaged in the concerned trade on registration date and should not have availed loans under similar Central/State self-employment credit schemes (e.g. PMEGP, PM SVANidhi, MUDRA) in the past 5 years from sanction date — with the stated carve-out that MUDRA / SVANidhi beneficiaries who have fully repaid remain eligible.
  • Benefits restricted to one member of the family (husband, wife and unmarried children).
  • Person in government service and their family members are not eligible.

  Three-step verification (GP/ULB → District Implementation Committee → Screening Committee) applies after enrolment.

how_to_apply:
  1. Visit https://pmvishwakarma.gov.in/ or enrol through the nearest Common Service Centre with Aadhaar-based biometric authentication.
  2. Complete registration details; undergo Stage-1/2/3 verification as enabled on the portal.
  3. After registration, follow skill assessment / Basic Training for toolkit incentive and first loan tranche eligibility.
  4. Approach the preferred Lending Institution for Enterprise Development Loan as guided on the portal.

  Helpline referenced in guidelines: 18002677777.

about_text:
  PM Vishwakarma is a Central Sector Scheme to provide end-to-end support to artisans and craftspeople who work with hands and tools in specified traditional trades.

  Official guidelines cover recognition (certificate/ID), skill assessment & training, toolkit incentive, affordable credit, and marketing support components.

  Enrolment is Aadhaar-authenticated via Common Service Centres / the PM Vishwakarma portal: https://pmvishwakarma.gov.in/

faqs:
  [{"q":"What are the loan tranche amounts?","a":"Official guidelines state first tranche up to \u20b91 lakh and second tranche up to \u20b92 lakh, subject to training and repayment conditions."},{"q":"Can a MUDRA borrower apply?","a":"Guidelines exclude similar credit-scheme loans in the past 5 years, but state that MUDRA and SVANidhi beneficiaries who have fully repaid remain eligible."}]


slug: ab-pmjay
name: Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB PM-JAY)
short_name: AB-PMJAY
ministry: National Health Authority / Ministry of Health and Family Welfare
category: social
benefit_type: other
audience_tags: ["citizen","senior"]
need_tags: ["health","social_security"]
apply_url: https://pmjay.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://static.pib.gov.in/WriteReadData/specificdocs/documents/2024/sep/doc2024923400001.pdf
lifecycle_status: active
summary:
  Publicly funded health assurance of up to ₹5 lakh per eligible family per year for secondary and tertiary hospitalisation, plus expansion covering all senior citizens aged 70+ irrespective of income.

benefit_text:
  Official NHA / PIB features:

  • Health cover up to ₹5 lakh per family per year for secondary and tertiary care hospitalisation at empanelled hospitals.
  • No family size cap for eligible families under the core scheme (as stated by NHA/PIB).
  • Cashless / paperless treatment process at empanelled public and private hospitals as implemented by States/NHA systems.
  • For seniors 70+: free health cover up to ₹5 lakh per year; seniors already in an AB PM-JAY family get an additional top-up cover up to ₹5 lakh exclusively for themselves; other 70+ seniors get cover up to ₹5 lakh on a family basis (Cabinet/PIB).

  Always verify eligibility and card status on official PM-JAY / NHA channels before hospitalisation.

documents:
  ["Aadhaar or other accepted identity document for beneficiary verification","Ration card \/ family ID details where used by the State process","Mobile number for OTP \/ communication as enabled","Existing Ayushman \/ RSBY related references if any","Age proof for 70+ Vay Vandana enrolment as required by the official process"]

source_urls:
  ["https:\/\/pmjay.gov.in\/","https:\/\/www.pib.gov.in\/Pressreleaseshare.aspx?PRID=2053883","https:\/\/www.pib.gov.in\/PressReleasePage.aspx?PRID=2203007","https:\/\/static.pib.gov.in\/WriteReadData\/specificdocs\/documents\/2024\/sep\/doc2024923400001.pdf"]

eligibility_text:
  Core AB PM-JAY:
  • Families identified from SECC 2011 on published deprivation criteria (rural) and occupational criteria (urban), plus RSBY families not in SECC as stated by NHA/PIB.
  • States may expand using own databases but should cover SECC-eligible households.
  • Scheme is entitlement-based; beneficiary verification / e-card issuance is done through official processes rather than a universal open “apply like a loan” form.

  Senior citizens 70+ (expansion from Oct 2024 as per PIB):
  • All persons aged 70 years and above irrespective of income/socio-economic status.
  • Those already under CGHS / ECHS / Ayushman CAPF may choose existing scheme or AB PM-JAY as clarified by Cabinet/PIB.
  • Private insurance / ESIC beneficiaries remain eligible for AB PM-JAY as per the same clarification.

  Use the official “Am I Eligible” / beneficiary services on pmjay.gov.in / NHA apps — do not trust unofficial paid agents.

how_to_apply:
  1. Check eligibility on the official PM-JAY website / Ayushman App / beneficiary services (pmjay.gov.in / NHA channels).
  2. Complete beneficiary verification and obtain Ayushman card / Vay Vandana card as applicable at empanelled hospital kiosks, Common Service Centres, or official app/portal flows.
  3. For treatment, visit an empanelled hospital and use the Ayushman process (PM Arogya Mitra / hospital BIS) — do not pay agents for “registration”.
  4. For grievances, use official NHA / State Health Agency grievance channels listed on pmjay.gov.in.

about_text:
  Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) is implemented under the National Health Authority.

  Official NHA / PIB descriptions state it provides health cover of up to ₹5 lakh per family per year for secondary and tertiary care hospitalisation to eligible vulnerable families (about 12 crore families / bottom ~40% as described in government releases).

  Beneficiary identification for the core scheme is based on SECC 2011 deprivation and occupational criteria (rural/urban), and includes families covered under RSBY but missing from SECC as published. States may also use additional state databases while covering SECC-eligible families.

  In September/October 2024, the Government expanded AB PM-JAY to all senior citizens aged 70 years and above irrespective of socio-economic status (Ayushman Vay Vandana).

faqs:
  [{"q":"What is the cover amount?","a":"Official NHA\/PIB materials state health cover of up to \u20b95 lakh per family per year for secondary and tertiary hospitalisation."},{"q":"Are all senior citizens 70+ covered?","a":"Cabinet\/PIB state expansion of AB PM-JAY to all senior citizens aged 70 years and above irrespective of socio-economic status (with card\/top-up rules as published)."}]


slug: apy
name: Atal Pension Yojana (APY)
short_name: APY
ministry: Department of Financial Services / administered by PFRDA under NPS architecture
category: social
benefit_type: other
audience_tags: ["citizen","worker"]
need_tags: ["pension","social_security"]
apply_url: https://www.npscra.proteantech.in/scheme-details.php
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://www.npscra.proteantech.in/nsdl/scheme-details/APY_Scheme_Details.pdf
lifecycle_status: active
summary:
  Voluntary government-backed pension scheme for citizens (especially unorganised sector) offering a guaranteed minimum pension of ₹1,000 to ₹5,000 per month after age 60, based on contribution and age at joining.

benefit_text:
  From official APY scheme details / FAQ / subscriber brochure:

  • Choice of guaranteed minimum monthly pension after age 60: ₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000.
  • Pension continues for life of the subscriber; spouse pension and return of corpus to nominee norms are described in official FAQs.
  • Contributions are age- and pension-amount linked (contribution chart published by CRA).
  • Enrolment through banks / post offices and digital onboarding channels provided by banks.

  Historical co-contribution by Central Government for early joiners (FY 2015-16 to 2019-20) is described in older scheme documents and is not an ongoing universal co-contribution for new joiners today — confirm current contribution rules with the bank/PoP.

documents:
  ["Aadhaar \/ KYC as required by the bank or Post Office","Savings bank \/ post office account details with auto-debit mandate","Mobile number and email where collected","Spouse and nominee details (mandatory)","Age proof if separately demanded by the Point of Presence"]

source_urls:
  ["https:\/\/www.npscra.proteantech.in\/scheme-details.php","https:\/\/www.npscra.proteantech.in\/nsdl\/scheme-details\/APY_Scheme_Details.pdf","https:\/\/npscra.nsdl.co.in\/nsdl\/scheme-details\/APY_Subscriber_Information_Brochure_English.pdf","https:\/\/npscra.nsdl.co.in\/nsdl\/faq\/Final_APY_FAQs_English_18.10.2023.pdf"]

eligibility_text:
  From official APY subscriber brochure / FAQs:

  • Citizen of India.
  • Age between 18 and 40 years at joining.
  • Must have a savings bank / post office savings account with auto-debit facility for contributions.
  • Nomination and spouse details are mandatory while opening the account.
  • From 1 October 2022, any citizen who is or has been an income-tax payer under the Income Tax Act, 1961 shall not be eligible to join APY (as stated in the official subscriber brochure).

  Minimum contribution period is linked to joining age (minimum 20 years of contribution path as described in scheme materials).

how_to_apply:
  1. Visit a bank branch / post office that offers APY, or use the bank’s digital APY onboarding if available.
  2. Fill the APY account opening form, choose pension amount, provide nominee and spouse details.
  3. Ensure savings account has sufficient balance for auto-debit of contributions.
  4. After activation, use CRA / bank channels to view PRAN / statements as guided on npscra / PFRDA sites.

  Official information hubs: https://www.npscra.proteantech.in/ and https://www.pfrda.org.in/

about_text:
  Atal Pension Yojana (APY) is a Government of India scheme administered by PFRDA using the National Pension System institutional architecture.

  Official scheme details / subscriber brochure (Protean CRA / PFRDA ecosystem) describe a defined minimum pension guaranteed by the Government after the subscriber turns 60, depending on the contribution level chosen and age of joining.

faqs:
  [{"q":"What pension amounts are guaranteed?","a":"Official materials list guaranteed minimum pensions of \u20b91,000, \u20b92,000, \u20b93,000, \u20b94,000 or \u20b95,000 per month after age 60, based on contribution choice."},{"q":"Can income-tax payers join APY?","a":"Official subscriber brochure states that from 1 October 2022, a citizen who is or has been an income-tax payer is not eligible to join APY."}]


slug: pmay-g
name: Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)
short_name: PMAY-G
ministry: Ministry of Rural Development
category: housing
benefit_type: subsidy
audience_tags: ["citizen","farmer","woman","sc_st"]
need_tags: ["housing"]
apply_url: https://pmayg.nic.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://rural.gov.in/sites/default/files/Overview%20of%20PMAY-G.pdf
lifecycle_status: active
summary:
  Centrally sponsored rural housing scheme providing unit assistance to construct pucca houses with basic amenities for eligible houseless / kutcha-house rural households identified through SECC / Awaas+ processes.

benefit_text:
  From Cabinet decision for implementation during FY 2024-25 to 2028-29 (PMO / PIB):

  • Unit assistance continues at ₹1.20 lakh in plain areas and ₹1.30 lakh in North Eastern Region States and Hill States of Himachal Pradesh, Uttarakhand, and UTs of Jammu & Kashmir and Ladakh.
  • Minimum unit size historically stated in MoRD overview as 25 sq. mt. including dedicated area for hygienic cooking (confirm any local design norms on AwaasSoft / State SoP).
  • Funding pattern commonly cited in MoRD/PIB materials: 60:40 Centre:State in plain areas; 90:10 for NER / Himalayan States (as listed); 100% Central share for UTs without legislature (confirm current Finance Ministry / MoRD circular for your State/UT).
  • Convergence with toilets, drinking water, electricity, LPG, etc. is encouraged as described in official releases.

  Assistance is released in instalments linked to construction stages on AwaasSoft — not a cash grant unrelated to house construction milestones.

documents:
  ["Aadhaar \/ KYC as required by the State PMAY-G process","Bank account details for DBT of instalments","Job card \/ other IDs if demanded locally for convergence (e.g. MGNREGS)","Land \/ house site related papers as required by State SoP","Any declaration demanded during Gram Sabha \/ survey verification"]

source_urls:
  ["https:\/\/pmayg.nic.in\/","https:\/\/www.pmindia.gov.in\/en\/news_updates\/cabinet-approves-implementation-of-the-pradhan-mantri-awaas-yojana-gramin-pmay-g-during-fy-2024-25-to-2028-29\/","https:\/\/www.pib.gov.in\/PressReleaseIframePage.aspx?PRID=2043921","https:\/\/rural.gov.in\/sites\/default\/files\/Overview%20of%20PMAY-G.pdf"]

eligibility_text:
  Identification is not open self-enrolment like a bank product. Official MoRD/PIB materials state beneficiaries are identified using housing deprivation parameters and exclusion criteria from SECC-2011 and Awaas+ (2018), with Gram Sabha verification and appellate process.

  Priority universe commonly described in MoRD/PIB materials includes:
  • Houseless households.
  • Households living in houses with kutcha walls and kutcha roof / zero, one or two rooms as per SECC deprivation parameters.
  • Compulsory inclusion categories historically listed include destitute / living on alms, manual scavengers, Primitive Tribal Groups, and legally released bonded labourers.

  Cabinet has also approved updating the Awaas+ list using modified exclusion criteria, with States/UTs conducting technology-based surveys — eligibility for new targets depends on State survey / wait-list process.

  Vedica note: check your name on the Permanent Wait List / AwaasSoft / Gram Panchayat list. Do not pay agents claiming “instant PMAY-G approval”.

how_to_apply:
  1. Check status / list information on https://pmayg.nic.in (AwaasSoft public reports / beneficiary search as enabled).
  2. Contact Gram Panchayat / Block office for wait-list position, Gram Sabha validation and appeal process if you believe you were wrongly excluded.
  3. After sanction, construction and instalment release follow AwaasSoft geo-tagged workflow as implemented by the State.
  4. Prefer official UMANG / MoRD channels referenced by government for citizen services where enabled.

  There is no reliable third-party paid shortcut for wait-list inclusion.

about_text:
  PMAY-G (restructured from Indira Awaas Yojana with effect from April 2016) aims to provide a pucca house with basic amenities to eligible rural households.

  Official Cabinet / PMO note for FY 2024-25 to 2028-29 continues the scheme to provide assistance for construction of two crore more houses, saturating updated Awaas+ (2018) lists and balance eligible SECC 2011 Permanent Wait List households within that ceiling.

  Portal / e-governance platform: https://pmayg.nic.in (AwaasSoft).

faqs:
  [{"q":"What is the current unit assistance?","a":"Cabinet decision for FY 2024-25 to 2028-29 continues unit assistance at \u20b91.20 lakh (plains) and \u20b91.30 lakh (NER \/ specified hill States & J&K\/Ladakh UTs)."},{"q":"Can anyone apply online and get a house immediately?","a":"No. Official materials base selection on SECC\/Awaas+ deprivation parameters with Gram Sabha verification and wait-list\/target processes \u2014 not open first-come bank-style enrolment."}]


slug: pmfme
name: PM Formalisation of Micro Food Processing Enterprises (PMFME)
short_name: PMFME
ministry: Ministry of Food Processing Industries
category: business
benefit_type: subsidy
audience_tags: ["msme","farmer","woman","citizen"]
need_tags: ["subsidy","loan","business"]
apply_url: https://pmfme.mofpi.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://pmfme.mofpi.gov.in/pmfme/newsletters/docs/SchemeGuidelines.pdf
lifecycle_status: active
summary:
  Centrally Sponsored scheme supporting upgradation / formalisation of micro food processing enterprises with credit-linked capital subsidy, seed capital for SHGs, common infrastructure and branding support under an ODOP framework.

benefit_text:
  From official PMFME Scheme Guidelines (MoFPI):

  • Individual micro food processing units: credit-linked capital subsidy @ 35% of eligible project cost, maximum ceiling ₹10 lakh per unit; beneficiary contribution minimum 10% of project cost; balance as bank loan.
  • SHG seed capital: ₹40,000 per eligible SHG member for working capital and small tools (as stated in guidelines), with eligibility conditions.
  • Groups / common infrastructure / branding & marketing: credit-linked grant typically @ 35% with component-specific ceilings and approval routes as prescribed.
  • Capacity building / handholding through Resource Persons and State institutions.

  New units (individuals/groups) are supported only for ODOP products as stated in guidelines; existing non-ODOP units may still get individual support with preference to ODOP. Always read the current guidelines + State portal instructions.

documents:
  ["KYC of promoter \/ enterprise","Udyam \/ food business related registrations as applicable (FSSAI etc. as demanded)","Project report \/ DPR and quotations for machinery","Bank account and loan application papers for credit-linked subsidy","Group \/ SHG membership and activity proofs where applying under group components","Any other document listed on the PMFME portal \/ State SoP"]

source_urls:
  ["https:\/\/pmfme.mofpi.gov.in\/","https:\/\/pmfme.mofpi.gov.in\/pmfme\/newsletters\/docs\/SchemeGuidelines.pdf","https:\/\/www.pmfmeap.org\/sites\/default\/files\/2024-09\/O.M.%20dated%2030.09.2024%20for%20extension%20of%20PMFME%20Scheme%20for%2031.03.2026%20%28FY%202025-26%29.pdf","https:\/\/www.pib.gov.in\/PressReleasePage.aspx?PRID=2248478"]

eligibility_text:
  Individual category (guidelines):
  • Existing micro food processing enterprises seeking upgradation, and new units only for ODOP products where baseline/need is established as described.
  • Preference to ODOP producers for capital investment support; other existing micro enterprises may also be considered as per guidelines.
  • Bankable project with minimum 10% own contribution.

  Group / SHG / FPO / cooperative criteria include experience, turnover and contribution conditions detailed in the guidelines (e.g. SHG members presently engaged in food processing for seed capital).

  Final sanction of credit-linked subsidy depends on State nodal process, District/State committees and the financing bank.

how_to_apply:
  1. Read Scheme Guidelines on https://pmfme.mofpi.gov.in/ (newsletters / guidelines section).
  2. Apply through the PMFME online application system / State nodal agency process as enabled for your State.
  3. Prepare DPR / project details; undergo bank appraisal for credit-linked components.
  4. Track subsidy claim / release as per portal and bank workflow.

  Vedica does not process PMFME subsidy claims.

about_text:
  PMFME is a Centrally Sponsored Scheme of MoFPI launched on 29 June 2020 to provide financial, technical and business support for micro food processing enterprises.

  Official Scheme Guidelines adopt a One District One Product (ODOP) approach. Support covers individual micro units, groups (SHGs/FPOs/cooperatives), common infrastructure, branding & marketing, and capacity building.

  MoFPI OM dated 30.09.2024 extended implementation of the existing scheme up to 31.03.2026 (FY 2025-26) with the same components, pattern of assistance and overall outlay of ₹10,000 crore. PIB (2026) likewise describes the scheme as operational up to 2025-26. Confirm any later temporary administrative extension on https://pmfme.mofpi.gov.in/ before applying.

faqs:
  [{"q":"What is the individual unit subsidy?","a":"Official guidelines state credit-linked capital subsidy at 35% of eligible project cost with a maximum ceiling of \u20b910 lakh per unit, with minimum 10% beneficiary contribution."},{"q":"Till when is the scheme running?","a":"MoFPI OM (30.09.2024) extended the existing scheme up to 31.03.2026 with same components and \u20b910,000 crore outlay. Confirm any later extension notice on the official MoFPI PMFME site."}]


slug: pmjjby
name: Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
short_name: PMJJBY
ministry: Department of Financial Services, Ministry of Finance
category: social
benefit_type: other
audience_tags: ["citizen","worker"]
need_tags: ["insurance","social_security"]
apply_url: https://financialservices.gov.in/pradhan-mantri-jeevan-jyoti-bima-yojana-pmjjby
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://jansuraksha.gov.in/Files/PMJJBY/ENGLISH/FAQ.pdf
lifecycle_status: active
summary:
  One-year renewable term life insurance cover of ₹2 lakh for death due to any cause, for eligible bank/post-office account holders aged 18–50, with annual premium auto-debit.

benefit_text:
  From official DFS PMJJBY pages:

  • Life insurance cover of ₹2 lakh for death due to any reason.
  • Annual premium ₹436 (or any revised amount intimated from time to time).
  • Risk cover period: 1 June to 31 May.
  • Premium recovered by auto-debit from the designated bank / Post Office account.

  Claims are settled by the implementing insurer as per scheme rules. Enrolment is through one bank / Post Office account only (as stated by DFS).

documents:
  ["Bank \/ Post Office savings account","KYC already held by the bank \/ Post Office (Aadhaar etc. as required)","Filled enrolment \/ auto-debit \/ consent-cum-declaration form","Nominee details"]

source_urls:
  ["https:\/\/financialservices.gov.in\/pradhan-mantri-jeevan-jyoti-bima-yojana-pmjjby","https:\/\/jansuraksha.gov.in\/","https:\/\/jansuraksha.gov.in\/Files\/PMJJBY\/ENGLISH\/FAQ.pdf"]

eligibility_text:
  From official DFS materials:

  • Individual bank / Post Office account holder.
  • Age 18 to 50 years entitled to join.
  • Consent for auto-debit of premium.
  • Join through one bank / Post Office account only.

  Coverage terms for delayed enrolment / renewal after the standard cycle date follow the premium and coverage conditions described on the DFS / jansuraksha materials — confirm with the bank at enrolment.

how_to_apply:
  1. Visit your bank branch / Post Office, internet banking, or official enrolment channel linked to your account.
  2. Submit PMJJBY enrolment / auto-debit / consent-cum-declaration form.
  3. Ensure sufficient balance for premium auto-debit before the due date.
  4. For claims/FAQs, use bank + insurer process and https://jansuraksha.gov.in/

  Do not pay cash to unknown agents claiming special PMJJBY registration.

about_text:
  PMJJBY is a Government of India social security insurance scheme administered through LIC and other life insurers in collaboration with participating banks / Post Offices.

  Official DFS pages describe it as a one-year cover, renewable year to year, offering life insurance for death due to any cause.

  Citizen portal hub: https://jansuraksha.gov.in/

faqs:
  [{"q":"What is the sum assured?","a":"DFS states cover of \u20b92 lakh for death due to any reason."},{"q":"What is the premium?","a":"DFS currently lists annual premium of \u20b9436 (subject to revision as intimated)."}]


slug: pmsby
name: Pradhan Mantri Suraksha Bima Yojana (PMSBY)
short_name: PMSBY
ministry: Department of Financial Services, Ministry of Finance
category: social
benefit_type: other
audience_tags: ["citizen","worker","senior"]
need_tags: ["insurance","social_security"]
apply_url: https://financialservices.gov.in/pradhan-mantri-suraksha-bima-yojana-pmsby
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  One-year renewable personal accident insurance for eligible account holders aged 18–70, with ₹2 lakh for accidental death / total disability and ₹1 lakh for specified partial disability, at ₹20 annual premium.

benefit_text:
  From official DFS PMSBY pages (Table of Benefits):

  • Accidental death: ₹2 lakh.
  • Total and irrecoverable loss of both eyes, or loss of use of both hands or feet, or loss of sight of one eye and loss of use of hand or foot: ₹2 lakh.
  • Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot: ₹1 lakh.
  • Annual premium: ₹20 per member (or revised amount as intimated).
  • Risk cover period: 1 June to 31 May.

  DFS FAQs state no benefit is payable for partial disability that does not meet the irrecoverable loss definitions above.

documents:
  ["Bank \/ Post Office savings account","KYC held by the bank \/ Post Office","Enrolment \/ auto-debit \/ consent-cum-declaration form","Nominee details"]

source_urls:
  ["https:\/\/financialservices.gov.in\/pradhan-mantri-suraksha-bima-yojana-pmsby","https:\/\/financialservices.gov.in\/pmsby","https:\/\/financialservices.gov.in\/beta\/en\/faqs\/pradhan-mantri-suraksha-bima-yojanapmsby","https:\/\/jansuraksha.gov.in\/"]

eligibility_text:
  From official DFS materials:

  • People in the age group 18 to 70 years having a bank / Post Office account.
  • Consent to join and enable auto-debit.
  • In a joint account, all holders may join if each meets eligibility and pays ₹20 per person per annum through auto-debit.

  Enrolment form / auto-debit authorisation / consent-cum-declaration is retained by the participating bank / Post Office.

how_to_apply:
  1. Enrol via your bank branch / Post Office / net-banking / official digital enrolment linked to your account.
  2. Submit PMSBY form with auto-debit mandate and nominee details.
  3. Keep balance for ₹20 premium auto-debit.
  4. For claims, follow bank + insurer process; disability claim is credited to the insured’s account and death claim to nominee/legal heirs as stated by DFS.

  Use https://jansuraksha.gov.in/ for official scheme information.

about_text:
  PMSBY is a Government of India personal accident insurance scheme, renewable yearly, offered through Public Sector General Insurance Companies and other general insurers partnering with participating banks / Post Offices.

  Official DFS pages publish eligibility, premium, cover table and auto-debit enrolment process. Citizen hub: https://jansuraksha.gov.in/

faqs:
  [{"q":"What does PMSBY pay on accidental death?","a":"DFS Table of Benefits lists \u20b92 lakh for death due to accident."},{"q":"Is every partial disability covered?","a":"No. DFS FAQ states no benefit is payable if partial disability does not involve irrecoverable loss of sight of one eye or loss of use of one hand or foot as defined."}]


slug: pmuy
name: Pradhan Mantri Ujjwala Yojana (PMUY / Ujjwala 2.0)
short_name: PMUY
ministry: Ministry of Petroleum and Natural Gas
category: social
benefit_type: other
audience_tags: ["woman","citizen"]
need_tags: ["lpg","social_security"]
apply_url: https://pmuy.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Deposit-free LPG connection scheme for adult women of poor households with no existing household LPG connection, implemented through Oil Marketing Companies.

benefit_text:
  From official pmuy.gov.in / MoPNG Ujjwala 2.0 materials:

  • Deposit-free LPG connection released in the name of an eligible adult woman.
  • Under Ujjwala 2.0: free of cost first refill and stove (as stated by MoPNG).
  • MoPNG notes budgetary / connection support figures associated with Ujjwala 2.0 expansions (including later expansion sanctioning additional deposit-free connections under existing Ujjwala 2.0 guidelines) — confirm current connection support amount with the OMC distributor at the time of release.
  • Ongoing cylinder subsidy, if any, follows DBTL / applicable LPG subsidy rules into the beneficiary bank account.

  Connection is subject to OMC KYC and “no existing household LPG connection” checks.

documents:
  ["Deprivation declaration (prescribed format)","Bank account details (passbook copy \/ cancelled cheque) for DBTL","Aadhaar of applicant and adult family members as listed in family document","Ration card \/ State family composition document (or migrant self-declaration Annexure I)","Proof of address if current address differs from Aadhaar (or migrant self-declaration)","KYC application form with photograph and signature"]

source_urls:
  ["https:\/\/pmuy.gov.in\/ujjwala2.html","https:\/\/pmuy.gov.in\/faq.html","https:\/\/mopng.gov.in\/en\/page\/46"]

eligibility_text:
  From official pmuy.gov.in (Ujjwala 2.0 apply page / FAQ):

  1. Applicant must be a woman who has attained 18 years of age.
  2. Adult woman must belong to a poor household based on submission of a deprivation declaration (prescribed format).
  3. There should be no other LPG connection from any Oil Marketing Company within the same household.

  Parliamentary / MoPNG answers also describe SECC and category-based historical pathways and a declaration route for poor households; for current enrolments, follow the live pmuy.gov.in checklist and deprivation declaration.

  PNG connection holders cannot take a subsidised PMUY connection as clarified in official FAQ materials.

how_to_apply:
  1. Apply online at https://pmuy.gov.in/ or submit application at any LPG distributor of choice / CSC as enabled.
  2. Submit deprivation declaration, KYC, bank details and family composition / address proofs (self-declaration Annexure for migrants as allowed under Ujjwala 2.0).
  3. Complete e-KYC / Aadhaar authentication as required by the OMC.
  4. Collect connection / stove / first refill as per distributor release process.

  Do not pay middlemen for “Ujjwala approval”.

about_text:
  Pradhan Mantri Ujjwala Yojana (PMUY) provides deposit-free LPG connections to adult women from poor households. Ujjwala 2.0 was launched on 10 August 2021.

  Official MoPNG materials state Ujjwala 2.0 added facilities such as online application on pmuy.gov.in, self-declaration for migrants for family composition and address proof, free first refill and stove, and e-KYC using Aadhaar authentication.

  Apply via https://pmuy.gov.in/ or an LPG distributor / CSC as enabled.

faqs:
  [{"q":"Who can apply under Ujjwala 2.0?","a":"Official pmuy.gov.in states an adult woman (18+) from a poor household (deprivation declaration), with no other OMC LPG connection in the same household."},{"q":"Are first refill and stove free under Ujjwala 2.0?","a":"MoPNG Ujjwala 2.0 materials state first refill and stove are provided free of cost."}]


slug: pmfby
name: Pradhan Mantri Fasal Bima Yojana (PMFBY)
short_name: PMFBY
ministry: Department of Agriculture & Farmers Welfare
category: agriculture
benefit_type: other
audience_tags: ["farmer"]
need_tags: ["insurance","agriculture"]
apply_url: https://pmfby.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://pmfby.amnex.co.in/pmfby/pdf/operational_guidelines_pmfby.pdf
lifecycle_status: active
summary:
  Crop insurance scheme providing affordable risk cover for notified crops against non-preventable natural risks, with capped farmer premium shares and government premium subsidy, administered via the National Crop Insurance Portal.

benefit_text:
  From PMFBY Operational Guidelines 2023 (farmer premium table):

  Maximum farmer share of premium / Sum Insured (or actuarial rate, whichever is less):
  • Kharif crops: 2.0% of Sum Insured
  • Rabi crops: 1.5% of Sum Insured
  • Kharif and Rabi annual commercial / horticultural crops (and perennial horticultural/commercial as listed): 5% of Sum Insured

  Premium above the farmer share is subsidised by Central and State/UT Governments as per the guidelines’ subsidy-sharing framework.

  Risk cover includes notified yield/weather/add-on covers as implemented by the State/UT notification for the season. Post-harvest cover is limited as defined (e.g. up to two weeks after harvest for specified perils/conditions).

documents:
  ["Aadhaar number (mandatory)","Bank account details \/ passbook","Land possession \/ ownership certificate or documents required by the State","Crop sowing certificate where required","KCC \/ loan account details for loanee enrolment (if applicable)","Opt-out declaration if a loanee farmer does not want cover"]

source_urls:
  ["https:\/\/pmfby.gov.in\/","https:\/\/pmfby.amnex.co.in\/pmfby\/pdf\/operational_guidelines_pmfby.pdf"]

eligibility_text:
  From Operational Guidelines 2023:

  • The scheme is optional for all farmers, including KCC loanee farmers for notified crops and non-loanee farmers.
  • Coverage applies only for crops and Insurance Units notified by the State/UT for the season.
  • Aadhaar is mandatory for availing crop insurance (from Kharif 2017 onwards as stated in guidelines).
  • Loanee farmers who do not want cover must submit a signed opt-out declaration to the bank branch at least 7 days before the enrolment/premium debit cut-off; otherwise banks auto-cover for the season as per guidelines.

  Tenant farmers / sharecroppers may be covered as enabled by State approaches toward universal coverage — follow State notification and portal process.

how_to_apply:
  1. Check State/UT season notification (crops, IUs, cut-off dates) and use https://pmfby.gov.in/ (premium calculator / enrolment channels).
  2. Enrol via bank/PACS (especially KCC loanee route), CSC, insurance intermediary / AIDE channels, or other authorised channels listed on NCIP.
  3. Upload / provide land, bank and sowing proofs as required by the State (except where bank loanee process differs).
  4. Track application and claims only on the official portal / insurer channels.

  Cut-off dates are State-notified (guidelines indicate typical outer references such as mid-July for Kharif and mid-December for Rabi unless State fixes earlier).

about_text:
  PMFBY was launched from Kharif 2016 to provide comprehensive crop insurance against non-preventable natural risks from pre-sowing to post-harvest stages for notified crops/areas.

  Operational Guidelines 2023 (effective from Kharif 2023) govern current implementation. Enrolment and claims workflow run on the National Crop Insurance Portal: https://pmfby.gov.in/

faqs:
  [{"q":"What premium does the farmer pay?","a":"OG 2023 caps farmer share at 2% (Kharif), 1.5% (Rabi) and 5% (annual commercial\/horticultural) of Sum Insured, or the actuarial rate if lower."},{"q":"Is PMFBY compulsory for KCC loanee farmers?","a":"No. OG 2023 states the scheme is optional for all farmers including loanee farmers; loanees must submit a timely opt-out declaration to avoid auto-enrolment."}]


slug: pm-sym
name: Pradhan Mantri Shram Yogi Maandhan (PM-SYM)
short_name: PM-SYM
ministry: Ministry of Labour and Employment
category: social
benefit_type: other
audience_tags: ["worker","citizen","artisan"]
need_tags: ["pension","social_security"]
apply_url: https://maandhan.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://www.labour.gov.in/static/uploads/2025/06/49a10165d1cf6f46e3bfbb52ba14f325.pdf
lifecycle_status: active
summary:
  Voluntary contributory pension scheme for unorganised workers providing a minimum assured pension of ₹3,000 per month after age 60, subject to entry-age, income and exclusion conditions.

benefit_text:
  From official maandhan.in / Ministry materials:

  • Minimum assured pension of ₹3,000 per month after age 60.
  • Spouse family pension at 50% of the pension on death of the beneficiary (family pension applicable only to spouse), as stated on maandhan.in.
  • Subscriber monthly contribution ranging between ₹55 and ₹200 till age 60 depending on entry age (maandhan.in).
  • Enrolment through Common Service Centres and scheme portal processes.

  Confirm the exact age-wise contribution chart and Government co-contribution mechanics on maandhan.in / CSC at the time of enrolment.

documents:
  ["Aadhaar card","Savings bank \/ Jan Dhan account details with IFSC","Mobile number","Self-declaration of eligibility \/ income \/ occupation as demanded by CSC or portal"]

source_urls:
  ["https:\/\/maandhan.in\/show_content.php?lang=1&level=1&lid=28&ls_id=28&page=6","https:\/\/labour.gov.in\/pm-sym","https:\/\/www.labour.gov.in\/static\/uploads\/2025\/06\/49a10165d1cf6f46e3bfbb52ba14f325.pdf","https:\/\/static.pib.gov.in\/WriteReadData\/specificdocs\/documents\/2025\/mar\/doc202534512301.pdf"]

eligibility_text:
  From official maandhan.in and Ministry IEC materials:

  • Unorganised worker.
  • Entry age 18 to 40 years.
  • Monthly income ₹15,000 or below.
  • Should possess Aadhaar and a savings / Jan Dhan bank account with IFSC.

  Should not be:
  • Engaged in organised sector as member of EPFO / NPS / ESIC.
  • An income-tax payer.

  Ministry IEC materials also list illustrative occupations (street vendors, construction workers, agricultural workers, domestic workers, weavers, etc.). Confirm the published occupation list on labour.gov.in if needed.

how_to_apply:
  1. Visit the nearest Common Service Centre with Aadhaar and bank passbook / Jan Dhan details, or use https://maandhan.in/ self-registration if enabled.
  2. Complete enrolment on self-certification basis as per CSC/portal process.
  3. Pay the first contribution as instructed (CSC processes historically collect first-month contribution at enrolment).
  4. Keep contributing till age 60 to remain eligible for the assured pension path.

  Use only official CSC / maandhan channels.

about_text:
  PM-SYM is a voluntary and contributory old-age pension scheme of the Ministry of Labour & Employment for unorganised workers.

  Official maandhan.in / labour.gov.in materials describe a minimum assured pension of ₹3,000 per month after attaining 60 years, with family pension to the spouse (50% of the pension) on the beneficiary’s death as stated on maandhan.in.

  Portal: https://maandhan.in/

faqs:
  [{"q":"What pension is assured?","a":"Official maandhan.in materials state a minimum assured pension of \u20b93,000 per month after age 60."},{"q":"What is the income limit?","a":"Official materials state monthly income should be \u20b915,000 or below, with entry age 18\u201340, subject to EPFO\/ESIC\/NPS and income-tax exclusions."}]


slug: ssy
name: Sukanya Samriddhi Account Scheme (SSY / SSA)
short_name: SSY
category: education
benefit_type: other
audience_tags: ["citizen","woman"]
need_tags: ["savings","education"]
apply_url: https://www.nsiindia.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: http://www.nsiindia.gov.in/writereaddata/SchemeRules/SukanyaSamriddhiAccountSchemeRule.pdf
lifecycle_status: active
ministry:
  Ministry of Finance (National Savings / Department of Economic Affairs framework; operated via Post Offices and authorised banks)

summary:
  Small-savings scheme for a girl child allowing deposits up to ₹1.5 lakh per financial year, with interest as notified by Government, maturity at 21 years from opening, and education/marriage-related withdrawal features under scheme rules.

benefit_text:
  From official NSI scheme page / Scheme Rules / PIB explainers:

  • Minimum deposit ₹250; maximum ₹1.5 lakh in a financial year (multiples of ₹50; at least ₹250 per financial year).
  • Deposits may be made for up to 15 years from the date of opening.
  • Account matures on completion of 21 years from the date of opening.
  • Interest at rates notified by the Government from time to time (PIB materials have cited 8.2% for a recent notified period — always confirm the live notified rate before depositing).
  • Partial withdrawal allowed for higher education expenses as per rules; premature closure permitted for marriage after the girl attains 18 years, as stated by NSI.
  • NSI notes deposit qualifies for deduction under Section 80-C and interest is free from income tax under Section 10 (tax law applicability depends on current Income-tax Act provisions — confirm with a tax professional for your case).

documents:
  ["Birth certificate of the girl child","Identity proof of guardian (RBI KYC norms)","Residence proof of guardian (RBI KYC norms)","Sukanya Samriddhi Account opening form","Initial deposit amount"]

source_urls:
  ["https:\/\/www.nsiindia.gov.in\/(S(euy2ka55sv1pvu45wdbtcr55))\/InternalPage.aspx?Id_Pk=89","http:\/\/www.nsiindia.gov.in\/writereaddata\/SchemeRules\/SukanyaSamriddhiAccountSchemeRule.pdf","https:\/\/www.pib.gov.in\/PressReleasePage.aspx?PRID=2216748","https:\/\/static.pib.gov.in\/WriteReadData\/specificdocs\/documents\/2025\/jan\/doc2025121487401.pdf"]

eligibility_text:
  From official NSI / PIB scheme explainers:

  • Account can be opened in the name of a girl child till she attains the age of 10 years.
  • Only one account per girl child.
  • Guardian opens the account; girl child should be a resident Indian for the account period as described in official explainers.
  • Parents can open a maximum of two accounts (exception for twins/triplets as stated in official explainers).

  Excess deposit above ₹1.5 lakh in a financial year does not earn interest and is returned.

how_to_apply:
  1. Visit a Post Office or authorised bank with the girl child’s birth certificate and guardian KYC.
  2. Fill the Sukanya Samriddhi Account opening form and make the initial deposit (≥ ₹250).
  3. Deposit at least the yearly minimum and stay within the ₹1.5 lakh annual cap.
  4. Track interest notifications on NSI / India Post / bank channels.

  Scheme rules PDF: NSI Sukanya Samriddhi Account Scheme Rule.

about_text:
  Sukanya Samriddhi Account is a Government of India small-savings scheme for the girl child, governed by the Sukanya Samriddhi Account Scheme rules (2019, as amended).

  Accounts can be opened at Post Offices and authorised banks. National Savings Institute publishes scheme features and interest-rate links: nsiindia.gov.in.

faqs:
  [{"q":"What is the annual deposit limit?","a":"Official rules\/NSI state maximum \u20b91.5 lakh in a financial year, with minimum \u20b9250."},{"q":"Till what age can the account be opened?","a":"Official NSI materials state the account can be opened till the girl child attains 10 years of age."}]


slug: pm-kmy
name: Pradhan Mantri Kisan Maan-Dhan Yojana (PM-KMY)
short_name: PM-KMY
ministry: Ministry of Agriculture & Farmers’ Welfare (pension fund managed by LIC)
category: agriculture
benefit_type: other
audience_tags: ["farmer"]
need_tags: ["pension","social_security"]
apply_url: https://pmkmy.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://www.pmkisan.gov.in/Documents/PM-KMY%20-%20Operational%20Guidelines.pdf
lifecycle_status: active
summary:
  Voluntary contributory pension scheme for small and marginal landholding farmers (entry age 18–40) providing an assured monthly pension of ₹3,000 after age 60, with equal Central Government co-contribution, subject to exclusions.

benefit_text:
  From official PM-KMY Operational Guidelines:

  • Assured monthly pension of ₹3,000 on attaining 60 years (subject to scheme conditions).
  • Subscriber monthly contribution between ₹55 and ₹200 depending on age of entry (contribution chart in guidelines).
  • Central Government contributes an equal matching amount to the pension fund.
  • Option to auto-debit contribution from the bank account receiving PM-KISAN benefits, with consent.
  • Contributions may also be paid on quarterly / 4-monthly / half-yearly basis as allowed in guidelines.

  LIC is responsible for pension pay-out.

documents:
  ["Aadhaar \/ KYC as required by CSC or portal","Land record details evidencing SMF status (upto 2 ha)","Bank account details \/ auto-debit mandate","PM-KISAN account details if using PM-KISAN benefit for contribution","Self-declaration for exclusion criteria as demanded"]

source_urls:
  ["https:\/\/www.pmkisan.gov.in\/Documents\/PM-KMY%20-%20Operational%20Guidelines.pdf","https:\/\/pmkmy.gov.in\/","https:\/\/static.pib.gov.in\/WriteReadData\/specificdocs\/documents\/2024\/sep\/doc202499390501.pdf"]

eligibility_text:
  From Operational Guidelines:

  • Small and Marginal Farmer owning cultivable land up to 2 hectares as per State/UT land records.
  • Age 18 years and above and up to 40 years.
  • Must not fall under exclusion criteria in Para 5, including:
    – SMFs covered under statutory social security schemes such as NPS, ESIC, EPFO, etc.
    – Farmers who opted for PM-SYM or PM-LVM.
    – Higher economic status exclusions aligned with categories such as institutional landholders, constitutional post holders, certain ministers/legislators, serving/retired government officers (with Class IV/Group D carve-out as written), income-tax payers in last assessment year, and listed professionals practising with professional bodies.

  State/UT may certify eligibility based on self-declaration as described; incorrect declaration can deny benefits.

how_to_apply:
  1. Enrol through Common Service Centre / State nodal process or official PM-KMY web portal as enabled (pmkmy.gov.in).
  2. Submit enrolment-cum-auto-debit mandate (PM-KISAN account or other bank account).
  3. Pay contributions as per age chart till 60.
  4. Keep land-record / eligibility declarations accurate.

  Operational Guidelines: https://www.pmkisan.gov.in/Documents/PM-KMY%20-%20Operational%20Guidelines.pdf

about_text:
  PM-KMY is a Central Sector old-age pension scheme for landholding Small and Marginal Farmers, effective from 9 August 2019 as per Operational Guidelines on pmkisan.gov.in.

  LIC manages the pension fund. Enrolment is facilitated through Common Service Centres / State processes and the scheme portal ecosystem (pmkmy.gov.in / maandhan summary pages).

faqs:
  [{"q":"Who is an SMF under PM-KMY?","a":"Operational Guidelines define Small and Marginal Farmer as one who owns cultivable land up to 2 hectares as per State\/UT land records."},{"q":"Does the Government also contribute?","a":"Yes. Guidelines state the Central Government contributes an equal amount matching the subscriber\u2019s contribution to the pension fund."}]


slug: pm-surya-ghar
name: PM Surya Ghar: Muft Bijli Yojana
short_name: PM Surya Ghar
ministry: Ministry of New and Renewable Energy
category: social
benefit_type: subsidy
audience_tags: ["citizen"]
need_tags: ["subsidy","energy"]
apply_url: https://pmsuryaghar.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://pmsg-production-public.s3.ap-south-1.amazonaws.com/CFA_structure20240307.pdf
lifecycle_status: active
summary:
  Central scheme providing Central Financial Assistance (CFA) for residential rooftop solar installations via the national portal, with CFA capped for systems above 3 kW.

benefit_text:
  From the official CFA structure note for PM Surya Ghar (residential households):

  • ₹30,000 per kW up to 2 kW.
  • ₹18,000 per kW for additional capacity up to 3 kW.
  • Total subsidy for systems larger than 3 kW capped at ₹78,000.

  Illustrative suitable capacity guidance in the same note:
  • Average monthly consumption 0–150 units → about 1–2 kW
  • 150–300 units → about 2–3 kW
  • >300 units → above 3 kW

  For Group Housing Society / RWA common facilities (including EV charging): ₹18,000 per kW up to 500 kW capacity (@ 3 kW per house), inclusive of individual rooftop plants by residents as stated in the CFA note.

  CFA is processed through the national portal / DISCOM workflow after installation by registered vendors (as per current MNRE guidelines mode). Confirm live process on pmsuryaghar.gov.in.

documents:
  ["Domestic electricity consumer number \/ bill","Aadhaar and bank account details for CFA credit","Identity \/ address KYC as demanded on the portal","Roof \/ premises related details required by DISCOM \/ vendor","Any net-metering application papers required by the DISCOM"]

source_urls:
  ["https:\/\/pmsuryaghar.gov.in\/","https:\/\/pmsg-production-public.s3.ap-south-1.amazonaws.com\/CFA_structure20240307.pdf","https:\/\/mnre.gov.in\/en\/notice\/guidelines-for-pm-surya-ghar-muft-bijli-yojana\/"]

eligibility_text:
  Residential consumers installing grid-connected rooftop solar tagged to a residential DISCOM connection, as enabled under MNRE scheme guidelines and State/DISCOM net-metering rules.

  Installations typically on roof/terrace/balcony or elevated structures; Building Integrated PV may also be eligible where guidelines allow. Group Net Metering / Virtual Net Metering may be eligible if approved by the DISCOM (as clarified in related MNRE guideline documents).

  Exact consumer eligibility, vendor selection and inspection steps follow the national portal + local DISCOM process — do not rely on unofficial agents.

how_to_apply:
  1. Register and apply on https://pmsuryaghar.gov.in/
  2. Select a registered vendor / follow DISCOM steps shown on the portal.
  3. Complete installation, net-metering / commissioning as required by the DISCOM.
  4. CFA / DBT credit follows portal verification — track only on the official portal.

  MNRE guideline notices: https://mnre.gov.in/ (PM Surya Ghar guidelines section).

about_text:
  PM Surya Ghar: Muft Bijli Yojana was approved by the Government of India on 29 February 2024 to expand rooftop solar for households. MNRE issues scheme guidelines; residential consumers apply on the National Portal https://pmsuryaghar.gov.in/

  Official CFA structure note (March 2024) published for the scheme sets household subsidy slabs and capacity guidance linked to average monthly electricity consumption.

faqs:
  [{"q":"What is the maximum CFA for a household?","a":"Official CFA note caps total subsidy for systems larger than 3 kW at \u20b978,000 (with \u20b930,000\/kW up to 2 kW and \u20b918,000\/kW for additional capacity up to 3 kW)."},{"q":"Where do I apply?","a":"Online applications are submitted on the National Portal https:\/\/pmsuryaghar.gov.in\/ as stated in the official CFA note."}]


slug: naps-2
name: National Apprenticeship Promotion Scheme-2 (NAPS-2)
short_name: NAPS-2
ministry: Ministry of Skill Development and Entrepreneurship
category: education
benefit_type: other
audience_tags: ["citizen","worker"]
need_tags: ["skill","stipend"]
apply_url: https://www.apprenticeshipindia.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://naps-cdn.s3.ap-south-1.amazonaws.com/NAPS+2.0_Guidelines_25-08-2023.pdf
lifecycle_status: active
summary:
  Central scheme promoting apprenticeship under the Apprentices Act by sharing partial stipend support with apprentices via DBT, plus ecosystem capacity building, implemented on apprenticeshipindia.gov.in.

benefit_text:
  From official NAPS-2 Guidelines:

  • Partial stipend support by Government of India limited to 25% of stipend paid, up to a maximum of ₹1,500 per month per apprentice during training.
  • GoI share paid through DBT to the apprentice’s bank account after the establishment pays its share (minimum 75%) as per contract.
  • Stipend rates payable by employer follow Rule 11 of the Apprenticeship Rules, 1992 (minimum rates in Annexure-II of guidelines; subject to Gazette revisions).
  • Training in Designated Trades and Optional Trades; durations differ (e.g. DT ordinarily 1 year for ITI pass-outs / 2 years for freshers; OT 6/9/12 months as stated).

  No stipend support under NAPS-2 for Central/State Government Departments and Central/State PSUs/PSBs as stated in guidelines.

documents:
  ["Aadhaar and educational details as required on the portal","Aadhaar-seeded bank account for DBT stipend","Mobile number \/ email for portal registration","Any trade-specific eligibility proofs demanded by the establishment"]

source_urls:
  ["https:\/\/www.apprenticeshipindia.gov.in\/","https:\/\/naps-cdn.s3.ap-south-1.amazonaws.com\/NAPS+2.0_Guidelines_25-08-2023.pdf"]

eligibility_text:
  From NAPS-2 Guidelines:

  • Minimum age 14 years; 18 years for designated trades related to hazardous industries (Apprentices Act).
  • To avail GoI partial stipend support, upper age at registration should be 35 years.
  • Candidate must be engaged as an apprentice under a valid apprenticeship contract with an eligible establishment on the portal.
  • Partial stipend support by Government is restricted to NSQF-aligned courses (NSQF compliance not mandatory for training itself, but required for GoI stipend support).

  Establishments register opportunities and contracts on the apprenticeship portal; candidates apply to posted opportunities.

how_to_apply:
  1. Register as a candidate on https://www.apprenticeshipindia.gov.in/
  2. Apply to apprenticeship opportunities posted by establishments.
  3. After contract approval, undergo training; ensure Aadhaar-seeded bank account for DBT.
  4. Employer pays its stipend share by the 10th of the following month; GoI DBT follows confirmation on the portal.

  Guidelines: https://naps-cdn.s3.ap-south-1.amazonaws.com/NAPS+2.0_Guidelines_25-08-2023.pdf

about_text:
  NAPS-2 guidelines (MSDE, 25 August 2023) supersede earlier NAPS guidelines. The scheme promotes apprenticeship training by providing partial stipend support to apprentices engaged under the Apprentices Act, 1961, capacity building, and advocacy.

  Target stated in guidelines: enrol 46 lakh apprentices over FY 2022-23 to FY 2025-26.

  Portal: https://www.apprenticeshipindia.gov.in/

faqs:
  [{"q":"How much stipend support does the Government give?","a":"NAPS-2 guidelines limit GoI support to 25% of stipend paid, capped at \u20b91,500 per month per apprentice, paid by DBT."},{"q":"What is the age limit for GoI stipend support?","a":"Guidelines state that to avail partial stipend support, upper age at registration should be 35 years (minimum ages follow the Apprentices Act)."}]


slug: scss
name: Senior Citizens’ Savings Scheme (SCSS)
short_name: SCSS
ministry: Ministry of Finance (National Savings; operated via Post Offices and authorised banks)
category: social
benefit_type: other
audience_tags: ["senior","citizen"]
need_tags: ["savings","social_security"]
apply_url: https://www.nsiindia.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Government small-savings scheme for eligible senior / retired citizens with quarterly interest, 5-year tenure (extendable), and aggregate deposit ceiling of ₹30 lakh across SCSS accounts.

benefit_text:
  From official NSI SCSS page:

  • Minimum deposit ₹1,000 (and multiples thereof) with maximum deposit ₹30 lakh (aggregate across accounts as stated by NSI).
  • Interest payable quarterly (from date of deposit to quarter-end dates; credited on first working day of April/July/October/January as described by NSI).
  • Account can be closed after 5 years from opening; depositor may extend for a further 3 years.
  • Premature closure permissible subject to conditions.
  • NSI notes deposits qualify for deduction under Section 80-C (confirm current tax law for your case).

  Interest rate is notified by the Government from time to time — confirm the live rate on NSI / India Post / your bank before depositing (recent official materials have cited 8.2% for notified periods).

documents:
  ["Proof of age \/ retirement (as applicable to the eligibility route)","Aadhaar and PAN (as mandated for savings accounts)","Address and identity KYC","Photograph and account opening form","Savings account details for interest credit"]

source_urls:
  ["https:\/\/www.nsiindia.gov.in\/(S(ao4qoq55w4kkfgv1bcb41b45))\/InternalPage.aspx?Id_Pk=62","https:\/\/www.nsiindia.gov.in\/"]

eligibility_text:
  From official NSI SCSS introduction:

  • Individual who has attained 60 years or above on the date of opening; OR
  • Individual aged 55 years or more but less than 60 who has retired under Superannuation, VRS or Special VRS (subject to scheme conditions, including timelines linked to retirement benefits as applied by Post Office/bank rules); OR
  • Retired Defence Services personnel (excluding Civilian Defence employees) may open on attaining 50 years subject to specified conditions.

  Account may be opened individually or jointly with spouse. Multiple accounts allowed within the aggregate ceiling.

how_to_apply:
  1. Visit a Post Office or authorised bank with age/retirement proofs and KYC (Aadhaar/PAN as mandated under savings rules).
  2. Fill SCSS account opening form and deposit (cheque/NEFT rules may apply above cash limits at Post Offices).
  3. Provide savings account for quarterly interest credit where required.
  4. Track interest notifications on NSI / Post Office / bank channels.

  NSI page: https://www.nsiindia.gov.in/ (Senior Citizens’ Savings Scheme).

about_text:
  Senior Citizens’ Savings Scheme is a Government of India small-savings product operated through Post Offices and authorised banks under National Savings rules.

  Official National Savings Institute (NSI) page summarises eligibility, deposit limits, interest payment cycle, maturity and extension features.

faqs:
  [{"q":"What is the maximum deposit?","a":"NSI states maximum deposit of \u20b930 lakh (minimum \u20b91,000 and multiples thereof)."},{"q":"What is the tenure?","a":"NSI states the account can be closed after 5 years and may be extended for a further 3 years."}]


slug: pmmsy
name: Pradhan Mantri Matsya Sampada Yojana (PMMSY)
short_name: PMMSY
ministry: Department of Fisheries, Ministry of Fisheries, Animal Husbandry and Dairying
category: agriculture
benefit_type: subsidy
audience_tags: ["farmer","citizen","msme","woman","sc_st"]
need_tags: ["subsidy","business","agriculture"]
apply_url: https://pmmsy.dof.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://nfdb.gov.in/PDF/PMMSY-Guidelines24-June2020.pdf
lifecycle_status: active
summary:
  Flagship fisheries development scheme with Central Sector and Centrally Sponsored components supporting production, infrastructure, value chain and fishers’ welfare; beneficiary-oriented activities have category-linked public funding shares.

benefit_text:
  From PMMSY Operational Guidelines / official FAQ:

  • Wide menu of beneficiary-oriented activities (culture fisheries, hatcheries, cages, post-harvest, marketing, livelihood support, etc. — activity-wise unit costs in guidelines annexures).
  • For beneficiary-oriented individual/group activities under CSS, government assistance (Centre + State together) is limited to 40% of project/unit cost for General category and 60% for SC/ST/Women, with the remaining as beneficiary contribution (guidelines funding pattern).
  • Sharing between Centre and State follows patterns stated for different State groups (e.g. higher Central share for NE and Himalayan States / UTs as detailed in guidelines).
  • UTs: FAQ notes 100% Central share for Union Territories in the summarised funding table.

  Exact admissible subsidy depends on the specific activity code approved by the District/State fisheries process — always read the activity schedule for your proposal.

documents:
  ["Detailed Project Report \/ Self Contained Proposal","Identity KYC and bank details","Land \/ water-body \/ lease documents relevant to the activity","Category certificates (SC\/ST\/Women) if claiming higher assistance share","Statutory clearances \/ registrations demanded for the activity","Bank loan sanction papers where credit-linked"]

source_urls:
  ["https:\/\/pmmsy.dof.gov.in\/","https:\/\/nfdb.gov.in\/PDF\/PMMSY-Guidelines24-June2020.pdf","https:\/\/pmmsy.dof.gov.in\/assets\/documents\/farmers-corner\/FAQ%20for%20Farmers.pdf","https:\/\/pib.gov.in\/PressReleasePage.aspx?PRID=2150100","https:\/\/www.pib.gov.in\/PressNoteDetails.aspx?ModuleId=3&NoteId=155173"]

eligibility_text:
  Intended beneficiaries listed in guidelines / official FAQ include:
  • Fishers; fish farmers; fish workers and fish vendors
  • Fisheries Development Corporations; SHGs/JLGs; fisheries cooperatives and federations
  • Entrepreneurs; private firms; FFPOs/Companies
  • SCs/STs/Women/Differently abled persons

  Beneficiaries must obtain statutory clearances where required and submit DPR / Self Contained Proposal through the District Fisheries Office / State process. Activity-specific technical eligibility applies.

how_to_apply:
  1. Review activities and unit costs on https://pmmsy.dof.gov.in/ and NFDB guideline repository.
  2. Prepare DPR / Self Contained Proposal for the chosen activity.
  3. Submit to the District Fisheries Office / State fisheries department as directed.
  4. After appraisal/approval, arrange beneficiary contribution / bank linkage and implement as per sanction.

  Helpline referenced in official FAQ: 1800-425-1660.

about_text:
  PMMSY was approved to bring about a Blue Revolution through sustainable and responsible development of the fisheries sector. Operational Guidelines (June 2020) describe an umbrella scheme with Central Sector (CS) and Centrally Sponsored Scheme (CSS) components, including beneficiary-oriented and non-beneficiary-oriented activities.

  Approved investment size in guidelines/PIB: ₹20,050 crore (Central ₹9,407 crore + State ₹4,880 crore + Beneficiaries ₹5,763 crore).

  Original guidelines period: FY 2020-21 to FY 2024-25. PIB notes the scheme has been extended up to FY 2025-26 with existing design/funding pattern (Department of Expenditure concurrence). Portal: https://pmmsy.dof.gov.in/

faqs:
  [{"q":"What public subsidy share do individuals get?","a":"Guidelines limit Centre+State assistance for beneficiary-oriented activities to 40% of unit cost for General category and 60% for SC\/ST\/Women, with the balance as beneficiary contribution (activity-specific schedules apply)."},{"q":"Till when is PMMSY running?","a":"Guidelines originally covered FY 2020-21 to 2024-25; PIB states extension up to FY 2025-26 on existing design\/funding pattern. Confirm current intake with your State Fisheries Department."}]


slug: ppf
name: Public Provident Fund (PPF)
short_name: PPF
ministry: Ministry of Finance (National Savings; operated via Post Offices and authorised banks)
category: social
benefit_type: other
audience_tags: ["citizen"]
need_tags: ["savings","social_security"]
apply_url: https://www.nsiindia.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: http://www.nsiindia.gov.in/writereaddata/SchemeRules/PublicProvidentFundSchemeRule.pdf
lifecycle_status: active
summary:
  Long-term small-savings scheme with annual deposit limits of ₹500–₹1.5 lakh, 15-year maturity (extendable in 5-year blocks), loan/partial withdrawal facilities, and interest as notified by Government.

benefit_text:
  From Public Provident Fund Scheme, 2019 rules:

  • Annual deposit not less than ₹500 and not more than ₹1.5 lakh, in multiples of ₹50 (lump sum or instalments).
  • The ₹1.5 lakh annual ceiling for an individual includes deposits in own account and any account opened on behalf of a minor.
  • Maturity: after expiry of 15 years from the end of the year in which the account was opened; balance may be withdrawn or account continued without deposits, or extended with deposits for further 5-year blocks (as per rules).
  • Loan facility after prescribed waiting period (rules: after 1 year from end of initial subscription year and before 5 years), capped at 25% of balance at the end of the second preceding year as specified.
  • Partial withdrawal after 5 years from end of opening year, subject to the 50% formula in the rules, once a year from non-discontinued accounts.
  • Interest at rates notified by the Government from time to time — confirm the live rate before depositing.

  Tax treatment (e.g. Section 80-C / EEE features commonly associated with PPF) depends on current Income-tax law — confirm for your case.

documents:
  ["Identity and address KYC (Aadhaar\/PAN as mandated)","Photograph and account opening form","Minor\u2019s birth proof if opening on behalf of a minor","Initial deposit amount"]

source_urls:
  ["http:\/\/www.nsiindia.gov.in\/writereaddata\/SchemeRules\/PublicProvidentFundSchemeRule.pdf","https:\/\/www.nsiindia.gov.in\/"]

eligibility_text:
  An individual may open a PPF account under the Scheme rules (including accounts opened by a guardian on behalf of a minor / person of unsound mind as provided).

  Discontinued accounts (failure to deposit minimum after initial year) may be revived on payment of fee and arrears as per rules; loan/withdrawal facilities are restricted in discontinued accounts until revived.

  Only one PPF account is permitted in the individual’s name (subject to the discontinued-account restrictions in the rules).

how_to_apply:
  1. Visit a Post Office or authorised bank with KYC documents.
  2. Fill the PPF account opening form and make the initial deposit (≥ ₹500).
  3. Deposit at least ₹500 every year (within ₹1.5 lakh cap) to keep the account regular.
  4. Track interest notifications on NSI / Post Office / bank channels.

  Rules PDF: http://www.nsiindia.gov.in/writereaddata/SchemeRules/PublicProvidentFundSchemeRule.pdf

about_text:
  Public Provident Fund is governed by the Public Provident Fund Scheme, 2019 (G.S.R. 915(E) dated 12.12.2019, as amended). Accounts are opened at Post Offices and authorised banks under the National Savings framework.

  Official scheme rules PDF is published via the National Savings Institute.

faqs:
  [{"q":"What is the yearly deposit limit?","a":"PPF Scheme, 2019 allows between \u20b9500 and \u20b91.5 lakh in a year (multiples of \u20b950), inclusive of any minor account deposits by the same individual."},{"q":"When does the account mature?","a":"Rules allow closure any time after expiry of 15 years from the end of the year in which the account was opened, with options to continue\/extend as specified."}]


slug: jjm
name: Jal Jeevan Mission (JJM / Har Ghar Jal)
short_name: JJM
ministry: Ministry of Jal Shakti, Department of Drinking Water and Sanitation
category: social
benefit_type: other
audience_tags: ["citizen","farmer"]
need_tags: ["water","social_security"]
apply_url: https://jaljeevanmission.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Centrally led mission (with States) to provide Functional Household Tap Connections (FHTC) delivering adequate, quality drinking water on a regular basis to rural households.

benefit_text:
  Primary intended benefit:
  • Piped drinking water through a household tap connection meeting FHTC functionality standards (quantity ≥ 55 lpcd, quality BIS:10500, regular supply) as defined in official JJM materials.

  Community contribution / user charges may apply as per State / village arrangements and JJM clarifications on community contribution. Schools and Anganwadis are also prioritised in mission planning as described in public mission materials.

  This is infrastructure service delivery — not a fixed per-household cash subsidy credited like DBT income support.

documents:
  ["Proof of residence \/ household details as required by Gram Panchayat or VWSC","Aadhaar \/ identity proof if demanded for beneficiary listing","Any community contribution receipt as applicable locally"]

source_urls:
  ["https:\/\/jaljeevanmission.gov.in\/","https:\/\/jaljeevanmission.gov.in\/guidelines","https:\/\/master-jalshakti-ddws.digifootprint.gov.in\/static\/uploads\/2024\/02\/Implementation_of_Jal_Jeevan_Mission_OrdersNotifications_23_06_2022-1.pdf"]

eligibility_text:
  Rural households in villages covered by State JJM implementation plans. Connections are rolled out through village water supply schemes sanctioned/implemented by the State Public Health Engineering / Rural Water Supply department with community institutions.

  There is no universal “first-come online cash grant” form; inclusion depends on village scheme progress, habitation coverage and local survey/work orders.

  Check status on the official JJM dashboard / State rural water portals and with Gram Panchayat / VWSC.

how_to_apply:
  1. Contact Gram Panchayat / Village Water & Sanitation Committee (VWSC) / local PHE-RWS office for FHTC request status in your village.
  2. Provide residence / household details as demanded for the village survey / work order.
  3. Track village scheme progress on https://jaljeevanmission.gov.in/ and State dashboards.
  4. For service complaints after connection, use State helplines / channels published by the mission (e.g. commonly publicised drinking-water complaint numbers — confirm the live number for your State).

  Read JJM 2.0 Operational Guidelines from the official guidelines page.

about_text:
  Jal Jeevan Mission aims to provide every rural household a Functional Household Tap Connection (FHTC). Official DDWS communications define functionality as a household tap providing water in adequate quantity (at least 55 lpcd), of prescribed quality (BIS:10500), on a regular long-term basis.

  Operational Guidelines of Jal Jeevan Mission 2.0 are published on the mission portal (May/June 2026 listings on jaljeevanmission.gov.in/guidelines). Implementation is through States/UTs and village institutions (e.g. VWSC / Gram Panchayat), not a direct cash transfer product.

faqs:
  [{"q":"What is an FHTC?","a":"Official JJM materials define a Functional Household Tap Connection as a household tap providing at least 55 lpcd of BIS:10500 quality water on a regular basis."},{"q":"Can I apply online for a personal cash subsidy?","a":"JJM is a rural water-supply mission implemented through State\/village schemes. Households are covered via local scheme execution \u2014 not a standalone personal cash-subsidy application like some DBT schemes."}]


slug: day-nrlm
name: Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM / Aajeevika)
short_name: DAY-NRLM
ministry: Ministry of Rural Development
category: business
benefit_type: loan
audience_tags: ["woman","citizen","msme"]
need_tags: ["loan","business","skill"]
apply_url: https://aajeevika.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Flagship rural livelihoods mission organising rural poor women into SHGs, providing revolving fund / CIF support, bank linkage, and interest subvention on eligible SHG credit.

benefit_text:
  From RBI Master Circular on DAY-NRLM (key features):

  • Revolving Fund (RF) corpus support typically ₹20,000–₹30,000 per eligible SHG (after minimum existence / Panchasutras compliance; SHGs that already received RF earlier are not re-eligible).
  • Community Investment Support Fund (CIF) routed through federations for loans to SHGs / collective activities.
  • No capital subsidy is sanctioned to any SHG under DAY-NRLM (as stated in the Master Circular).
  • Bank linkage: cash credit / term loans in multiple doses; illustrative minimum CCL ₹6 lakh over 3 years with yearly drawing power escalation as advised to banks.
  • Collateral: no collateral/margin for SHG loans up to ₹10 lakh; for above ₹10 lakh up to ₹20 lakh — no collateral (CGFMU coverage) with margin not exceeding 10% of the amount exceeding ₹10 lakh as stated.
  • Interest subvention for women SHGs (Annex II): banks extend credit at 7% p.a. for loans up to ₹3 lakh with bank subvention at 4.5% p.a. during FY 2025-26 as specified in the circular text captured for that year — confirm the latest Master Circular annex for the current FY.
  • Individual loans to matured SHG members (upto ₹10 lakh) and Mudra pathway (upto ₹1 lakh for one woman per SHG if otherwise eligible) as advised to banks.

documents:
  ["SHG resolution \/ KYC of office-bearers as required by the bank","SHG books of accounts evidencing Panchasutras","Common Loan Application Form (IBA) for bank linkage","Micro Credit Plan \/ federation appraisal for higher doses","Member identity proofs as demanded for KYC"]

source_urls:
  ["https:\/\/aajeevika.gov.in\/","https:\/\/daynrlmbl.aajeevika.gov.in\/","https:\/\/rbi.org.in\/scripts\/BS_ViewMasCirculardetails.aspx?id=12806"]

eligibility_text:
  Primarily rural poor households mobilised into women SHGs (10–20 members; special groups may be smaller / include men in disability/elder/transgender special categories as stated).

  For bank loans, SHGs should generally be in active existence for at least 6 months, practise Panchasutras, and meet NABARD grading norms (defunct SHGs may qualify after revival + 3 months activity).

  Joining is through the State Rural Livelihood Mission / community cadre process in the village — not a single national “loan form” without SHG membership.

how_to_apply:
  1. Contact the local DAY-NRLM / SRLM community resource person / Gram Panchayat facilitation to join or form an SHG.
  2. Practise regular savings, meetings and books (Panchasutras).
  3. Seek RF/CIF through the Mission federation route after eligibility.
  4. Apply for SHG bank linkage via the bank / DAY-NRLM bank linkage portal processes (https://daynrlmbl.aajeevika.gov.in/).

  Mission site: https://aajeevika.gov.in/

about_text:
  DAY-NRLM (earlier NRLM / Aajeevika; renamed March 2016) is MoRD’s flagship programme to reduce rural poverty by building institutions of the poor—particularly women SHGs—and enabling access to finance and livelihoods.

  RBI Master Circular on DAY-NRLM consolidates banking instructions for SHG bank linkage. Citizen/mission portal: https://aajeevika.gov.in/

faqs:
  [{"q":"Is there capital subsidy for SHGs under DAY-NRLM?","a":"RBI Master Circular states no capital subsidy would be sanctioned to any SHG under DAY-NRLM; support is via RF\/CIF and bank linkage\/interest subvention."},{"q":"What is the collateral-free SHG loan limit?","a":"Master Circular: no collateral up to \u20b910 lakh; above \u20b910 lakh up to \u20b920 lakh also without collateral (with CGFMU cover and limited margin rules as stated)."}]


slug: e-shram
name: e-Shram (National Database of Unorganised Workers)
short_name: e-Shram
ministry: Ministry of Labour and Employment
category: social
benefit_type: other
documents: ["Aadhaar number","Mobile number linked with Aadhaar","Savings bank account number with IFSC"]
audience_tags: ["worker","citizen","artisan"]
need_tags: ["social_security","insurance"]
apply_url: https://eshram.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://static.pib.gov.in/WriteReadData/specificdocs/documents/2022/jan/doc20221185301.pdf
lifecycle_status: active
summary:
  Aadhaar-seeded national database/portal for unorganised workers providing a Universal Account Number (UAN) to facilitate delivery of social security and welfare benefits.

benefit_text:
  From official e-Shram FAQs / PIB explainer materials:

  • Free registration and e-Shram / UAN identity for unorganised workers.
  • Database intended to facilitate delivery of various social security benefits of Central/State Governments and assistance during emergencies/pandemics.
  • Portability of social security/welfare benefits for migrant workers is an stated objective.
  • PIB explainer (Jan 2022) states that after registering, the worker will get accidental insurance cover of ₹2 lakh under PMSBY (standard PMSBY benefit table; PMSBY itself has its own enrolment/premium rules — confirm current linkage/activation status on e-Shram / insurer/bank channels).

  e-Shram registration itself is free; workers should not pay any registering entity.

source_urls:
  ["https:\/\/eshram.gov.in\/","https:\/\/eshram.gov.in\/faqs","https:\/\/www.eshram.gov.in\/e-shram-objectives","https:\/\/static.pib.gov.in\/WriteReadData\/specificdocs\/documents\/2022\/jan\/doc20221185301.pdf"]

eligibility_text:
  From official e-Shram portal eligibility text:

  • Unorganised worker (home-based, self-employed or wage worker in the unorganised sector, including organised-sector workers who are not members of ESIC/EPFO / not a government employee, as defined on the portal).
  • Age 16–59 years.
  • Not a member of EPFO / ESIC or NPS (Government funded).
  • Should not be an income-tax payee (FAQ: no income criteria for registration, but should not be an income-tax payee).

  Requires Aadhaar, Aadhaar-linked mobile number, and savings bank account with IFSC.

how_to_apply:
  1. Register free on https://eshram.gov.in/ (self-registration) or through authorised CSC / registration centres without paying agents.
  2. Complete Aadhaar e-KYC and enter bank / occupation details.
  3. Download / receive e-Shram card with UAN.
  4. Keep profile/occupation updated as advised on the portal for continued benefits.

  Do not share OTP or pay for registration.

about_text:
  e-Shram is the Government of India’s National Database of Unorganised Workers (NDUW) under the Ministry of Labour & Employment. Official portal FAQs describe it as a centralised Aadhaar-seeded database to facilitate delivery of welfare/social security benefits and assistance in emergencies.

  Portal: https://eshram.gov.in/

faqs:
  [{"q":"Is registration free?","a":"Official FAQs state registration on e-Shram is free and workers are not required to pay any registering entity."},{"q":"What is the age band?","a":"Official portal eligibility states age should be between 16 and 59 years, subject to other criteria."}]


slug: miss-kcc
name: Modified Interest Subvention Scheme for KCC short-term agri loans (MISS)
short_name: MISS-KCC
category: agriculture
benefit_type: loan
audience_tags: ["farmer"]
need_tags: ["loan","agriculture"]
apply_url: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13270&Mode=0
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
ministry:
  Department of Financial Services / Ministry of Agriculture (implemented via RBI circular to banks; claims on Kisan Rin Portal)

summary:
  GoI interest subvention enabling concessional short-term crop and allied-activity loans through Kisan Credit Card — for FY 2025-26, lending at 7% with prompt-repayment effective rate of 4% within prescribed limits.

benefit_text:
  From RBI circular for FY 2025-26:

  • Short-term crop loans and short-term allied activity loans (animal husbandry, dairy, fisheries, bee keeping, etc.) through KCC up to an overall limit of ₹3 lakh at concessional lending rate of 7% p.a.
  • Interest subvention to lending institutions: 1.50% p.a.
  • Additional prompt repayment incentive: 3% p.a. for timely repayment within the prescribed one-year window — implying effective interest @ 4% p.a. for prompt payers.
  • Allied-activities-only farmers: maximum sub-limit ₹2 lakh within the overall ₹3 lakh benefit cap; crop loan component takes priority.
  • Additional up to six months post-harvest interest subvention for eligible SMF warehouse-receipt pledges in WDRA-accredited warehouses, at the same rate as crop loan from pledge date.
  • Natural calamity restructuring relief as detailed in the circular (including severe calamity HLC route).

  Aadhaar seeding/authentication is mandatory for availing benefits.

documents:
  ["Aadhaar (mandatory seeding\/authentication)","KYC and land \/ cultivation related papers demanded by the bank for KCC","Bank account details","Allied activity proofs if seeking allied sub-limit","Warehouse receipt documents if seeking post-harvest extension"]

source_urls:
  ["https:\/\/www.rbi.org.in\/Scripts\/NotificationUser.aspx?Id=13270&Mode=0","https:\/\/www.rbi.org.in\/"]

eligibility_text:
  Farmers availing eligible short-term KCC loans from notified lending institutions (PSBs; private banks’ rural/semi-urban branches; SFBs; computerized PACS ceded with SCBs) as listed in the circular.

  • Overall MISS benefit limit ₹3 lakh per farmer per annum across multiple KCCs, but a specific land parcel can receive MISS through only one KCC (highest sanctioned amount rule if duplicates).
  • Prompt repayment incentive does not accrue if agri loans are repaid after one year of availing.

  Bank credit appraisal and KCC sanction remain prerequisites — MISS is an interest benefit on eligible outstanding, not a separate grant.

how_to_apply:
  1. Approach a participating bank / PACS for a Kisan Credit Card / short-term agri limit with Aadhaar e-KYC.
  2. Ensure land / crop / allied activity details are correctly captured for Kisan Rin Portal (KRP) reporting.
  3. Utilise and repay within the due date / one-year window to earn 7% concessional rate and 4% effective rate with prompt repayment incentive.
  4. For warehouse-receipt extension benefit, pledge produce in WDRA-accredited warehouses as per bank process.

  Circular: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13270&Mode=0

about_text:
  Modified Interest Subvention Scheme (MISS) supports short-term loans for agriculture and allied activities through Kisan Credit Card. RBI circulates GoI-approved terms to banks each year.

  For FY 2025-26, RBI circular FIDD.CO.FSD.BC.No.10/05.02.001/2025-26 dated 13 January 2026 conveys continuation of MISS with specified rates and limits.

faqs:
  [{"q":"What interest does a prompt-paying farmer pay in FY 2025-26?","a":"RBI circular states concessional lending at 7%, and with 3% prompt repayment incentive the effective rate is 4% p.a. within the prescribed conditions\/limits."},{"q":"What is the overall limit for MISS benefits?","a":"Circular sets an overall limit of \u20b93 lakh per annum (with \u20b92 lakh maximum sub-limit for farmers involved only in allied activities)."}]


slug: nsc
name: National Savings Certificates (VIII Issue)
short_name: NSC
ministry: Ministry of Finance (National Savings; Post Offices and authorised banks)
category: social
benefit_type: other
audience_tags: ["citizen"]
need_tags: ["savings"]
apply_url: https://www.nsiindia.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Government small-savings certificate scheme with 5-year maturity, minimum deposit ₹1,000 (multiples of ₹100), no maximum deposit limit, and interest as notified by Government.

benefit_text:
  From official NSI NSC-VIII page / Scheme, 2019:

  • Account matures in 5 years from the date of deposit.
  • Minimum deposit ₹1,000 and thereafter in multiples of ₹100; no maximum deposit limit.
  • Interest at rates notified by the Government from time to time (confirm live rate on NSI before investing).
  • Loan facility available by pledging with banks (as stated by NSI).
  • Premature closure only in limited cases allowed under the Scheme rules (e.g. death / court order and other rule-listed exceptions) — not freely encashable like a savings account.

  Tax treatment (e.g. 80-C eligibility commonly associated with NSC) depends on current Income-tax law — confirm for your case.

documents:
  ["Identity and address KYC","PAN\/Aadhaar as mandated for savings products","Photograph and account opening form","Deposit amount"]

source_urls:
  ["https:\/\/www.nsiindia.gov.in\/InternalPage.aspx?Id_Pk=90","https:\/\/www.nsiindia.gov.in\/InternalPage.aspx?Id_Pk=167"]

eligibility_text:
  From NSI:

  • Single holder account: adult for self or on behalf of a minor; or a minor who has attained 10 years.
  • Joint ‘A’ type: up to three adults, payable jointly or to survivor.
  • Joint ‘B’ type: up to three adults, payable to either or survivor.

  Open at Post Offices / authorised banks with KYC.

how_to_apply:
  1. Visit Post Office or authorised bank with KYC.
  2. Fill NSC account opening form and deposit (≥ ₹1,000).
  3. Keep certificates / passbook safe; track maturity date (5 years).
  4. Confirm current interest notification on NSI / India Post.

  NSI: https://www.nsiindia.gov.in/ (National Savings Certificate-VIII Issue).

about_text:
  National Savings Certificates (VIII Issue) Scheme, 2019 (G.S.R. 919(E)) governs NSC VIII Issue accounts opened at Post Offices and authorised banks.

  Official NSI page summarises tenure, deposit rules and account types.

faqs:
  [{"q":"What is the maturity period?","a":"Official NSI materials state the account matures in 5 years."},{"q":"Is there a maximum deposit?","a":"NSI states no maximum deposit limit (minimum \u20b91,000, then multiples of \u20b9100)."}]


slug: sbm-g
name: Swachh Bharat Mission (Grameen) – Phase II
short_name: SBM-G
ministry: Ministry of Jal Shakti, Department of Drinking Water and Sanitation
category: social
benefit_type: subsidy
audience_tags: ["citizen","farmer","woman","sc_st"]
need_tags: ["sanitation","social_security"]
apply_url: https://swachhbharatmission.ddws.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Rural sanitation mission focused on sustaining ODF status and ODF Plus (solid/liquid waste management), including ₹12,000 IHHL incentive for newly eligible households.

benefit_text:
  From SBM(G) Phase II Operational Guidelines / official FAQ / PIB materials:

  • Incentive up to ₹12,000 per newly eligible household for construction of one Individual Household Latrine (IHHL), including water storage facility for handwashing/cleaning as described in guidelines. This is an incentive to motivate construction/use — not necessarily full reimbursement of toilet cost.
  • Support for Community Sanitary Complexes and village Solid & Liquid Waste Management (SLWM) assets under mission norms (funding often on per-capita / GP basis as rationalised in Phase II).
  • Centre:State sharing commonly 60:40 (90:10 for NE/Himalayan / J&K as listed; 100% Central for other UTs) for components as per Cabinet/guidelines — confirm current State SoP.

  Only new eligible households receive the IHHL incentive; ineligible households are motivated to self-construct.

documents:
  ["Identity \/ residence proof as demanded by GP","BPL \/ category certificates (SC\/ST, disability, woman-headed, SMF, landless with homestead) as applicable","Bank account for incentive credit","Any application \/ undertaking required in the State SBM process"]

official_pdf_url:
  https://swachhbharatmission.ddws.gov.in/sites/default/files/Guidelines/SBMG%20Phase-II%20Operational%20Guidelines.pdf

source_urls:
  ["https:\/\/swachhbharatmission.ddws.gov.in\/","https:\/\/swachhbharatmission.ddws.gov.in\/faq","https:\/\/swachhbharatmission.ddws.gov.in\/sites\/default\/files\/Guidelines\/SBMG%20Phase-II%20Operational%20Guidelines.pdf","https:\/\/www.pmindia.gov.in\/en\/news_updates\/cabinet-approves-swachh-bharat-mission-grameen-phase-ii\/"]

eligibility_text:
  For IHHL incentive (guidelines / FAQ):

  1. All Below Poverty Line (BPL) households; and
  2. Identified Above Poverty Line (APL) households including:
     – Scheduled Castes / Scheduled Tribes
     – Small and marginal farmers
     – Landless labourers with homestead
     – Households having a physically handicapped person
     – Women-headed households

  Order of preference among eligible households is set in guidelines. Coverage of left-out / newly emerged households continues under Phase II as described in official materials.

  Selection/verification is through Gram Panchayat / District SBM systems — not a private agent channel.

how_to_apply:
  1. Contact Gram Panchayat / Swachhagrahi / District SBM(G) cell for IHHL eligibility listing.
  2. Construct toilet as per approved safe technology / mason guidance after approval workflow used in your State.
  3. Incentive release follows geo-tagging / verification on SBM IMIS as implemented locally.
  4. For SLWM / CSC works, follow GP Annual Implementation Plan processes.

  Portal: https://swachhbharatmission.ddws.gov.in/

about_text:
  SBM(G) Phase II focuses on Open Defecation Free Plus (ODF Plus): sustaining ODF and managing solid and liquid waste in villages. Official mission site currently describes Phase II spanning 2020-21 to 2025-26.

  Operational Guidelines for Phase II are published on swachhbharatmission.ddws.gov.in. Implementation is through States/UTs and Gram Panchayats.

faqs:
  [{"q":"How much is the toilet incentive?","a":"Official Phase II materials continue incentive of \u20b912,000 per newly eligible household for IHHL construction."},{"q":"Who is eligible for the IHHL incentive?","a":"BPL households and identified APL categories (SC\/ST, small\/marginal farmers, landless labourers with homestead, households with physically handicapped persons, women-headed households) as listed in guidelines\/FAQ."}]


slug: soil-health-card
name: Soil Health Card Scheme
short_name: Soil Health Card
ministry: Ministry of Agriculture & Farmers’ Welfare (Department of Agriculture & Farmers Welfare)
category: agriculture
benefit_type: other
audience_tags: ["farmer"]
need_tags: ["agriculture"]
apply_url: https://soilhealth.dac.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Scheme issuing Soil Health Cards to farmers with soil nutrient status and fertiliser / amendment advice, implemented via States on the soilhealth.dac.gov.in portal.

benefit_text:
  From official NIC / ministry materials on the SHC programme:

  • Soil Health Card showing status against key soil parameters (commonly described as 12 parameters in programme literature) and fertiliser / bio-fertiliser / organic / amendment recommendations.
  • Cards generated in a standardised format across States, including local languages as enabled on the portal.
  • Sampling historically described on a grid basis (e.g. 10 ha rainfed / 2.5 ha irrigated in programme descriptions) through State agricultural machinery / mobile testing labs.

  This is an advisory service for balanced fertiliser use — not a cash subsidy by itself.

documents:
  ["Farmer identity \/ land details as demanded for sample registration","Mobile number for notifications where enabled","Sample ID \/ acknowledgment from the collecting agency"]

source_urls:
  ["https:\/\/soilhealth.dac.gov.in\/","https:\/\/www.nic.gov.in\/project\/soil-health-card-portal\/","https:\/\/informatics.nic.in\/uploads\/pdfs\/1a479603_soilhealthcard.pdf"]

eligibility_text:
  Farmers whose fields are covered in State soil-sampling cycles / who request sampling through Village Level Agencies, CSCs, or State agriculture department channels as enabled.

  Availability depends on State laboratory capacity and sampling schedule. Check status on the Soil Health Card portal using sample / farmer references provided by local officials.

how_to_apply:
  1. Contact Village Level Agriculture Worker / Soil Testing Lab / CSC / State agriculture office for soil sample collection.
  2. Ensure sample is registered on https://soilhealth.dac.gov.in/ (unique sample ID).
  3. After lab testing, download / collect the Soil Health Card and follow nutrient recommendations.
  4. Track sample status on the portal.

  Do not pay unofficial agents for “priority SHC”.

about_text:
  Soil Health Card (SHC) is a flagship programme of DA&FW. An SHC provides the nutrient status of a farmer’s holding and advises on fertiliser dosage and soil amendments.

  Official portal: https://soilhealth.dac.gov.in/ (workflow for sample registration, testing and card generation). Guidelines for implementation under Soil Health & Fertility of RKVY from 2023-24 are listed on the portal.

faqs:
  [{"q":"What does a Soil Health Card give me?","a":"Official programme materials state an SHC provides soil nutrient status of the holding and advises fertiliser dosage and needed soil amendments."},{"q":"Where can I track my card?","a":"Sample registration and card generation are handled on https:\/\/soilhealth.dac.gov.in\/."}]


slug: kvp
name: Kisan Vikas Patra (KVP)
short_name: KVP
ministry: Ministry of Finance (National Savings; Post Offices and authorised banks)
category: social
benefit_type: other
documents: ["Identity and address KYC","PAN\/Aadhaar as mandated","Account opening form and deposit"]
audience_tags: ["citizen","farmer"]
need_tags: ["savings"]
apply_url: https://www.nsiindia.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Government small-savings scheme where the deposit doubles on maturity; minimum ₹1,000 (multiples of ₹100), no maximum limit; maturity period depends on the interest rate applicable at account opening.

benefit_text:
  From NSI / KVP Scheme, 2019:

  • Deposit doubles on maturity.
  • Minimum ₹1,000 and multiples of ₹100; no maximum deposit limit; any number of accounts allowed.
  • Maturity period is determined by the rate of interest applicable at the time of opening the account (scheme text / amendments revise the doubling period when rates change) — confirm the current doubling period on NSI / India Post before investing.
  • Premature closure allowed after 2½ years at amounts prescribed in the applicable premature-closure table.
  • Transferable between persons (if eligible) and between Post Offices as stated by NSI; pledging permitted under rules.

  Interest / maturity period notifications change over time — do not rely on outdated doubling-period tables from old circulars.

source_urls:
  ["https:\/\/www.nsiindia.gov.in\/InternalPage.aspx?Id_Pk=56","https:\/\/www.nsiindia.gov.in\/InternalPage.aspx?Id_Pk=170"]

eligibility_text:
  From NSI:

  • Single holder: adult for self or on behalf of a minor; or minor aged 10+.
  • Joint A / Joint B accounts by up to three adults (payable jointly/survivor or either/survivor as typed).

  Open at Post Offices and authorised banks with KYC.

how_to_apply:
  1. Visit Post Office or authorised bank with KYC.
  2. Open KVP account with deposit ≥ ₹1,000.
  3. Note the maturity period printed/advised for the prevailing notified rate.
  4. For premature exit after 2½ years, apply as per Form rules and payable table.

  NSI: https://www.nsiindia.gov.in/ (Kisan Vikas Patra Scheme).

about_text:
  Kisan Vikas Patra Scheme, 2019 (G.S.R. 920(E), as amended) is operated through Post Offices and authorised banks. Despite the name, it is a general small-savings product — not limited to farmers.

  Official NSI page: money doubles on maturity; encashment possible after 2½ years at prescribed premature tables.

faqs:
  [{"q":"Does the money double?","a":"Yes. Official NSI\/scheme materials state deposits double on maturity; the time to double depends on the interest rate applicable when the account is opened."},{"q":"Can only farmers invest?","a":"No. NSI describes standard single\/joint account opening for adults\/minors at Post Offices and authorised banks \u2014 it is not restricted to farmers despite the name."}]


slug: pmjdy
name: Pradhan Mantri Jan Dhan Yojana (PMJDY)
short_name: PMJDY
ministry: Department of Financial Services, Ministry of Finance
category: social
benefit_type: other
audience_tags: ["citizen","woman"]
need_tags: ["savings","social_security"]
apply_url: https://www.pmjdy.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  National Mission for Financial Inclusion offering unbanked adults a Basic Savings Bank Deposit account with no minimum balance, free RuPay debit card (accident cover), and overdraft access subject to eligibility.

benefit_text:
  From DFS / pmjdy.gov.in scheme details:

  • Basic Savings Bank Deposit (BSBD) account for unbanked persons with no minimum-balance requirement.
  • Interest is earned on deposits in PMJDY accounts.
  • Free RuPay debit card; accident insurance cover of ₹2 lakh for new PMJDY accounts opened after 28.08.2018 (pmjdy.gov.in notes earlier accounts had ₹1 lakh cover, enhanced for accounts opened after that date).
  • Overdraft facility of up to ₹10,000 for eligible account holders (subject to bank eligibility conditions).
  • Banking access via branches and Bank Mitras; pathway to DBT and social-security products (PMJJBY, PMSBY, APY) and other linked facilities as listed on the official scheme page.

  Exact overdraft sanction and RuPay-insurance claim conditions are administered by the bank / insurer — confirm with the account-holding bank.

documents:
  ["Officially acceptable KYC identity and address proof as required by the bank","Photograph \/ biometric as mandated for account opening","Mobile number for SMS \/ Aadhaar seeding where applicable"]

source_urls:
  ["https:\/\/financialservices.gov.in\/pradhan-mantri-jan-dhan-yojana-pmjdy","https:\/\/www.pmjdy.gov.in\/scheme"]

eligibility_text:
  Persons not having any other bank account may open a BSBD account under PMJDY at any bank branch or Business Correspondent (Bank Mitra) outlet (pmjdy.gov.in).

  Focus after 14.08.2018: every unbanked adult. Minors’ account opening, if offered by the bank, follows that bank’s KYC / BSBD rules — confirm at the branch.

  Overdraft is not automatic for every account; it is subject to eligibility conditions stated by DFS and assessed by the bank.

how_to_apply:
  1. Visit any bank branch or Bank Mitra / Business Correspondent with KYC documents.
  2. Request opening of a PMJDY / BSBD account (declare you do not already hold another savings account, as required).
  3. Complete KYC; obtain passbook and RuPay debit card as issued.
  4. For overdraft or insurance claim process, ask the same bank.

  Portal: https://www.pmjdy.gov.in/ — DFS page: https://financialservices.gov.in/pradhan-mantri-jan-dhan-yojana-pmjdy
  National toll-free numbers listed on pmjdy.gov.in (e.g. 1800 11 0001 / 1800 180 1111) — confirm live numbers on the site.

about_text:
  PMJDY was launched on 28.08.2014 as the National Mission for Financial Inclusion. DFS states that after 14.08.2018 the focus shifted from “every household” to “every unbanked adult”.

  Official pages: https://financialservices.gov.in/pradhan-mantri-jan-dhan-yojana-pmjdy and https://www.pmjdy.gov.in/scheme

faqs:
  [{"q":"Is there a minimum balance?","a":"Official DFS \/ PMJDY materials state there is no requirement to maintain any minimum balance in PMJDY BSBD accounts."},{"q":"What is the RuPay accident cover?","a":"DFS states a free RuPay debit card with in-built accident insurance of \u20b92 lakh; pmjdy.gov.in notes the enhancement to \u20b92 lakh applies to new PMJDY accounts opened after 28.08.2018."}]


slug: vb-g-ram-g
name: Viksit Bharat – Guarantee for Rozgar and Ajeevika Mission (Gramin) (VB-G RAM G)
short_name: VB-G RAM G
ministry: Ministry of Rural Development
category: social
benefit_type: other
audience_tags: ["citizen","woman","farmer"]
need_tags: ["employment","social_security"]
apply_url: https://vbgramg.dord.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://static.pib.gov.in/WriteReadData/specificdocs/documents/2026/may/doc2026511867701.pdf
lifecycle_status: active
summary:
  Statutory rural employment guarantee (in force from 01.07.2026) of 125 days of unskilled wage employment per rural household per financial year, replacing MGNREGA, 2005.

benefit_text:
  From PIB / MoRD materials on the VB-G RAM G Act, 2025:

  • Statutory guarantee of 125 days of wage employment in each financial year to every eligible rural household whose adult members volunteer to undertake unskilled manual work.
  • Employment to be provided within 15 days of application; failing which unemployment allowance applies as provided in the Act (PIB FAQ: not less than one-fourth of the notified wage rate for the first thirty days of the financial year and not less than one-half thereafter).
  • Wages paid weekly or, in any case, within fifteen days of muster-roll closure, into bank/post-office accounts via DBT; delay compensation provisions apply as stated in the Act / PIB note.
  • States may notify an aggregated pause of up to 60 days in a financial year for peak agricultural seasons; the 125-day guarantee is to be met in the remaining period.
  • Existing e-KYC-verified MGNREGA Job Cards remain valid until Gramin Rozgar Guarantee Cards are issued; ongoing works may continue under the new Act.
  • Until new wage rates are notified under the Act, existing Mahatma Gandhi NREGA wage rates continue (PIB FAQ).

  Confirm live wage notification and demand process on vbgramg.dord.gov.in / Gram Panchayat.

documents:
  ["Job Card \/ Gramin Rozgar Guarantee Card (or application for registration at Gram Panchayat)","Aadhaar \/ identity details for e-KYC and DBT account seeding as required","Bank or post-office account details for wage payment"]

source_urls:
  ["https:\/\/static.pib.gov.in\/WriteReadData\/specificdocs\/documents\/2026\/may\/doc2026511867601.pdf","https:\/\/static.pib.gov.in\/WriteReadData\/specificdocs\/documents\/2026\/may\/doc2026511867701.pdf","https:\/\/static.pib.gov.in\/WriteReadData\/specificdocs\/documents\/2026\/may\/doc2026511868001.pdf","https:\/\/vbgramg.dord.gov.in\/"]

eligibility_text:
  Every rural household whose adult members volunteer to undertake unskilled manual work (PIB FAQ / Act framing).

  Registration / card issuance is through the Gram Panchayat (and digital channels as enabled). Workers without cards may apply at Gram Panchayat level. Employment is not to be denied merely for pending e-KYC, with facilitation mechanisms described in official transition materials.

  This is a rural statutory employment programme — not an urban wage scheme.

how_to_apply:
  1. Demand work orally, in writing (Form framework as notified), or through digital platforms enabled by the State / portal.
  2. Use existing Job Card if still valid, or apply at the Gram Panchayat for registration / Gramin Rozgar Guarantee Card.
  3. Track attendance, muster rolls and wage credit via the official portal / UMANG services as enabled locally.
  4. For unemployment allowance or wage-delay claims, follow the grievance channels of the Gram Panchayat / Programme Officer as published.

  Portal: https://vbgramg.dord.gov.in/
  PIB FAQ PDF: https://static.pib.gov.in/WriteReadData/specificdocs/documents/2026/may/doc2026511867701.pdf

about_text:
  The Viksit Bharat—Guarantee for Rozgar and Ajeevika Mission (Gramin): VB—G RAM G Act, 2025 (36 of 2025) was brought into force in all States and Union Territories from 01.07.2026 (S.O. 2382(E), 11 May 2026). From the same date, the Mahatma Gandhi National Rural Employment Guarantee Act, 2005 stands repealed.

  Official PIB operationalisation note and FAQ (May 2026) describe the Act as enhancing the employment guarantee from 100 to 125 days and structuring works around water security, core rural infrastructure, livelihood-related infrastructure, and mitigation of extreme weather events.

  Portal: https://vbgramg.dord.gov.in/

faqs:
  [{"q":"Did this replace MGNREGA?","a":"Yes. Official commencement notification \/ PIB materials state MGNREGA, 2005 stands repealed with effect from 01.07.2026 when VB-G RAM G came into force nationwide."},{"q":"How many days are guaranteed?","a":"Official PIB FAQ states a statutory guarantee of 125 days of wage employment per financial year for every eligible rural household."}]


slug: pmmvy
name: Pradhan Mantri Matru Vandana Yojana (PMMVY)
short_name: PMMVY
ministry: Ministry of Women and Child Development
category: social
benefit_type: subsidy
audience_tags: ["woman"]
need_tags: ["maternity","social_security"]
apply_url: https://pmmvy.wcd.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Centrally sponsored maternity benefit: ₹5,000 DBT for the first child (two instalments) and ₹6,000 for a second child if a girl (one instalment), for eligible socially/economically disadvantaged pregnant and lactating women.

benefit_text:
  From official WCD PMMVY FAQ / brief:

  • First living child: ₹5,000 in two instalments — ₹3,000 after Ante-Natal Check-up (ANC), and ₹2,000 after childbirth and completion of universal immunization within 14 weeks.
  • Second child if a girl: ₹6,000 in a single instalment after childbirth and completion of universal immunization within 14 weeks (registration during pregnancy is required for the second-child benefit as stated on State/WCD materials aligned with Mission Shakti).
  • Paid by DBT into the beneficiary’s bank/post-office account.
  • Beneficiary may separately be eligible for Janani Suraksha Yojana (MoHFW) after institutional delivery.
  • In case of miscarriage/still birth, the woman is treated as a fresh beneficiary for any future pregnancy (WCD FAQ).
  • Husband’s Aadhaar is not mandatory under PMMVY 2.0 features listed by WCD.

documents:
  ["Aadhaar","Aadhaar-mapped bank\/post-office account details and mobile number","MCP \/ RCH card, LMP and ANC dates","Eligibility proof (any one as listed: e.g. BPL\/NFSA ration card, e-Shram, PMJAY, PM-KISAN, Job Card, income certificate, SC\/ST\/disability proof, etc.)","Child birth registration and immunization details for later instalment(s)"]

source_urls:
  ["https:\/\/wcd.gov.in\/women\/pradhan-mantri-matru-vandana-yojna","https:\/\/pmmvy.wcd.gov.in\/","https:\/\/static.pib.gov.in\/WriteReadData\/specificdocs\/documents\/2025\/aug\/doc2025825619601.pdf"]

eligibility_text:
  WCD: scheme aims to cover women belonging to socially, economically disadvantaged and marginalised sections. Any one of the listed criteria is required, including:
  • SC / ST women
  • Women who are partially (40%) or fully disabled (Divyang Jan)
  • BPL ration-card holders
  • PMJAY (Ayushman Bharat) beneficiaries
  • e-Shram card holders
  • Women farmers who are PM-KISAN beneficiaries
  • Women holding MGNREGA Job Card (as worded on the current WCD FAQ)
  • Net family income less than ₹8 lakh per annum
  • Pregnant and lactating AWWs / AWHs / ASHAs
  • Women holding ration card under NFSA, 2013
  • Any other category prescribed by the Central Government

  Age (WCD FAQ): beneficiary age should be between 18 years 7 months and less than 55 years at the time of childbirth.
  Registration window: WCD FAQ states a beneficiary may register till 270 days from childbirth; second-girl-child benefits apply for births on or after 01.04.2022 as stated.

  Confirm exclusions (e.g. regular government/PSU employees where States publish them) on the portal / Anganwadi before applying.

how_to_apply:
  1. Register pregnancy / claim at Anganwadi Centre or approved health facility identified by the State/UT, or use https://pmmvy.wcd.gov.in/ / UMANG as enabled.
  2. Complete ANC and immunization milestones required for each instalment.
  3. Ensure Aadhaar-seeded bank/post-office account and upload eligibility proof as listed on the portal.
  4. Track instalment status with AWW/ASHA or on the PMMVY portal.

  WCD: https://wcd.gov.in/women/pradhan-mantri-matru-vandana-yojna

about_text:
  PMMVY was launched pan-India with effect from 01.01.2017 under Section 4 of the National Food Security Act, 2013. It is implemented as a Centrally Sponsored Maternity Benefits Scheme under Mission Shakti (Samarthya). From 01.04.2022, benefit for a second living child is available if the second child is a girl.

  Official WCD page: https://wcd.gov.in/women/pradhan-mantri-matru-vandana-yojna
  Portal: https://pmmvy.wcd.gov.in/

faqs:
  [{"q":"How much is paid for the first child?","a":"Official WCD FAQ: \u20b95,000 in two instalments (\u20b93,000 after ANC; \u20b92,000 after birth and 14-week immunization)."},{"q":"Is the second child covered?","a":"Yes, if the second living child is a girl: WCD states \u20b96,000 in one instalment after birth and 14-week immunization (from 01.04.2022 framework)."}]


slug: pmbjp
name: Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP)
short_name: PMBJP
ministry: Department of Pharmaceuticals, Ministry of Chemicals and Fertilizers (implemented by PMBI)
category: social
benefit_type: other
audience_tags: ["citizen"]
need_tags: ["health"]
apply_url: https://janaushadhi.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://janaushadhi.gov.in/pdf/Guidelines_for_PMBJK_Opening.pdf
lifecycle_status: active
summary:
  Central scheme delivering quality generic medicines and surgicals at affordable prices through Pradhan Mantri Bhartiya Janaushadhi Kendras across the country.

benefit_text:
  From official PMBJP / PMBI materials:

  • Generic medicines (and listed surgical items) sold at Janaushadhi Kendras at prices typically much lower than branded equivalents, with quality testing described on the PMBI FAQ.
  • Product basket and MRP list are published on janaushadhi.gov.in (therapeutic groups / product list) — count of SKUs changes over time; check the live catalogue.
  • Citizens can locate nearby Kendras on the portal; Jan Aushadhi Sugam mobile app is referenced on the scheme page for store/product information.
  • Separate track exists for entrepreneurs to open a new PMBJK under PMBI guidelines (online application on janaushadhi.gov.in) — that is an outlet-opening pathway, not a patient cash subsidy.

  This is affordable medicine access — not a health-insurance reimbursement scheme like AB-PMJAY.

documents:
  ["Valid prescription for Schedule \/ prescription-only medicines","For opening a Kendra: documents listed in current PMBI PMBJK opening guidelines (identity, premises, pharmacist credentials, etc.)"]

source_urls:
  ["https:\/\/janaushadhi.gov.in\/pmjy.aspx","https:\/\/janaushadhi.gov.in\/FAQ.aspx","https:\/\/janaushadhi.gov.in\/"]

eligibility_text:
  Any member of the public may purchase medicines from a Janaushadhi Kendra as per prescription / OTC rules applicable to the product.

  Opening a new Kendra has separate eligibility (pharmacist / applicant norms, premises, security deposit, etc.) under PMBI “Guidelines for opening of new PMBJK” — confirm the current PDF on janaushadhi.gov.in before applying.

how_to_apply:
  To buy medicines:
  1. Locate a Kendra via https://janaushadhi.gov.in/ (Locate PMBJP Kendra) or the Sugam app.
  2. Carry a valid prescription where required.
  3. Prefer billed purchase of Jan Aushadhi generics; verify MRP on the pack / portal list.

  To open a Kendra: apply online on janaushadhi.gov.in per current PMBI guidelines PDF.

  Complaints contact published by PMBI (e.g. complaints[at]janaushadhi[dot]gov[dot]in) — confirm on the site.

about_text:
  PMBJP was launched by the Department of Pharmaceuticals to make quality generic medicines available at affordable prices through dedicated outlets called Pradhan Mantri Bhartiya Janaushadhi Kendras. Implementation is by Pharmaceuticals & Medical Devices Bureau of India (PMBI).

  Official site: https://janaushadhi.gov.in/

faqs:
  [{"q":"Are Jan Aushadhi medicines the same quality as branded ones?","a":"Official PMBI FAQ states generic medicines supplied through Kendras have the same potency as expensive branded medicines available in the open market, with quality testing described on the FAQ."},{"q":"How do I find a store?","a":"Use Locate PMBJP Kendra on https:\/\/janaushadhi.gov.in\/ or the Jan Aushadhi Sugam app referenced on the scheme page."}]


slug: pomis
name: National Savings (Monthly Income Account) Scheme (POMIS / MIS)
short_name: POMIS
ministry: Ministry of Finance (National Savings; Post Offices and authorised banks)
category: social
benefit_type: other
audience_tags: ["citizen"]
need_tags: ["savings"]
apply_url: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=57
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Government small-savings account with a single deposit (min ₹1,000), 5-year maturity, monthly interest payout, and deposit ceilings of ₹9 lakh (single) / ₹15 lakh (joint).

benefit_text:
  From NSI scheme summary / Scheme, 2019 (as amended):

  • Account matures in 5 years.
  • Opened with a minimum deposit of ₹1,000 or multiples of ₹1,000; only one deposit in an account.
  • Maximum deposit: ₹9 lakh in a single account and ₹15 lakh in a joint account (ceilings as amended in 2023 and stated on the current NSI MIS page).
  • A depositor may operate more than one account subject to the overall maximum investment ceiling.
  • Interest is payable monthly (rate notified by the Government from time to time — confirm the live NSI interest-rate table before investing).
  • Premature closure (NSI summary): after one year but before three years — deduction of 2% of the deposit; after expiry of three years — deduction of 1% of the deposit.

  Tax treatment depends on current Income-tax law — confirm for your case.

documents:
  ["Identity and address KYC","PAN\/Aadhaar as mandated","Account opening form and deposit amount","Joint-holder KYC if opening a joint account"]

source_urls:
  ["https:\/\/www.nsiindia.gov.in\/InternalPage.aspx?Id_Pk=57","https:\/\/www.nsiindia.gov.in\/InternalPage.aspx?Id_Pk=166","https:\/\/www.nsiindia.gov.in\/InternalPage.aspx?Id_Pk=132"]

eligibility_text:
  From Scheme, 2019 / NSI:
  • An individual may open one or more single or joint accounts subject to the maximum deposit ceiling.
  • Guardian may open an account on behalf of a minor or a person of unsound mind (NSI summary).

  Open at Post Offices and authorised banks with KYC.

how_to_apply:
  1. Visit a Post Office or authorised bank with KYC.
  2. Open a Monthly Income Account with a single deposit (≥ ₹1,000, multiples of ₹1,000) within the ceiling.
  3. Opt for monthly interest credit to a linked savings account if offered.
  4. Confirm the current notified interest rate on NSI before depositing.

  NSI: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=57
  Interest rates: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132

about_text:
  Governed by the National Savings (Monthly Income Account) Scheme, 2019 (G.S.R. 917(E), as amended — including G.S.R. 239(E)/2023 raising deposit ceilings). Operated through Post Offices and authorised banks under the National Savings framework.

  Official NSI summary: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=57

faqs:
  [{"q":"What are the deposit limits?","a":"Current NSI MIS page: minimum \u20b91,000 (multiples thereof); maximum \u20b99 lakh in a single account and \u20b915 lakh in a joint account."},{"q":"When is interest paid?","a":"Scheme rules provide for monthly interest payable on completion of a month from the date of deposit; confirm the live rate on the NSI interest-rate page."}]


slug: svamitva
name: SVAMITVA (Survey of Villages Abadi and Mapping with Improvised Technology in Village Areas)
short_name: SVAMITVA
ministry: Ministry of Panchayati Raj
category: social
benefit_type: other
audience_tags: ["citizen","farmer"]
need_tags: ["housing","social_security"]
apply_url: https://svamitva.nic.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Central Sector Scheme using drone survey to map rural abadi (inhabited) areas and issue legal Property Cards / title deeds (Record of Rights) to village household owners.

benefit_text:
  From official MoPR / PIB / NIC SVAMITVA materials:

  • Record of Rights for rural abadi property owners in the form of a Property Card / title deed.
  • High-resolution abadi maps to support Gram Panchayat planning, clearer property boundaries, and reduced property disputes.
  • Property cards intended to help owners use residential property as a financial asset (e.g. for bank loans) where State law and banks accept the card.
  • Cards may be available on DigiLocker where State integration is enabled (PIB factsheet).

  This is not a cash subsidy or housing construction grant like PMAY.

documents:
  ["Identity and residence proof as demanded during local inquiry","Any existing possession \/ property documents held by the household","Aadhaar \/ mobile for DigiLocker linkage where enabled"]

source_urls:
  ["https:\/\/svamitva.nic.in\/","https:\/\/panchayat.gov.in\/en\/svamitva\/","https:\/\/www.nic.gov.in\/project\/svamitva\/","https:\/\/www.pib.gov.in\/FactsheetDetails.aspx?Id=148554"]

eligibility_text:
  Household owners of residential properties in rural inhabited (abadi) areas of villages covered by the State’s SVAMITVA implementation plan.

  Coverage is rolled out village-by-village through drone survey and State revenue processes — individuals cannot typically “apply online for a card” ahead of survey/notification in their village. Confirm village status on the SVAMITVA dashboard / Gram Panchayat / tehsil.

how_to_apply:
  1. Check whether your village is covered / surveyed on https://svamitva.nic.in/ or via Gram Panchayat / revenue office.
  2. Participate in local survey / inquiry / objection processes as notified by the State Revenue Department after drone mapping.
  3. Collect the Property Card / title deed when issued; store digitally on DigiLocker if offered.
  4. For corrections or disputes, follow the State revenue grievance / mutation process.

  MoPR page: https://panchayat.gov.in/en/svamitva/

about_text:
  SVAMITVA is a Central Sector Scheme of the Ministry of Panchayati Raj. After a pilot (2020–21), it was launched nationwide on National Panchayati Raj Day, 24 April 2021. It establishes clear ownership of property in rural inhabited (“Abadi”) areas by mapping parcels with drone technology and issuing legal ownership cards (Property Cards / title deeds), implemented with State Revenue & Panchayati Raj departments and Survey of India.

  Portal: https://svamitva.nic.in/

faqs:
  [{"q":"What do I receive under SVAMITVA?","a":"Official materials: a legal Record of Rights for rural abadi property in the form of a Property Card \/ title deed after drone-based mapping and State processes."},{"q":"Is it a cash scheme?","a":"No. SVAMITVA issues ownership documentation \/ maps; it is not a direct cash transfer or house-construction subsidy."}]


slug: jsy
name: Janani Suraksha Yojana (JSY)
short_name: JSY
ministry: Ministry of Health and Family Welfare (National Health Mission)
category: social
benefit_type: subsidy
audience_tags: ["woman"]
need_tags: ["maternity","health","social_security"]
apply_url: https://nhm.gov.in/index1.php?lang=1&level=3&lid=309&sublinkid=841
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  NHM safe-motherhood scheme providing conditional cash assistance to eligible pregnant women for institutional delivery, with higher packages in Low Performing States and ASHA incentives for facilitation.

benefit_text:
  Mother’s cash package for institutional delivery (NHM JSY page / PIB):

  • Low Performing States (LPS) — rural: ₹1,400; urban: ₹1,000.
  • High Performing States (HPS) — rural: ₹700; urban: ₹600.

  ASHA facilitation packages are listed separately on the NHM page (e.g. ₹600 rural / ₹400 urban components as published).

  Home delivery: BPL pregnant women who deliver at home are entitled to ₹500 per delivery (NHM/PIB), subject to the scheme’s current conditions.

  LPS listed on NHM: Uttar Pradesh, Uttarakhand, Bihar, Jharkhand, Madhya Pradesh, Chhattisgarh, Assam, Rajasthan, Odisha, and Jammu & Kashmir; other States/UTs are HPS.

  May be claimed in addition to PMMVY where both apply — confirm with ASHA / facility.

documents:
  ["MCP \/ JSY \/ ANC registration card","Identity and BPL\/SC\/ST proof where required (especially HPS \/ private accredited facilities)","Aadhaar and bank account details for DBT where applicable","Hospital discharge \/ delivery proof as demanded locally"]

official_pdf_url:
  https://nhm.gov.in/images/pdf/programmes/jsy/imp-govt-orders/JSY_removal_of_conditionalities_13.5.13.pdf

source_urls:
  ["https:\/\/nhm.gov.in\/index1.php?lang=1&level=3&lid=309&sublinkid=841","https:\/\/pib.gov.in\/newsite\/PrintRelease.aspx?relid=106950","https:\/\/nhm.gov.in\/images\/pdf\/programmes\/jsy\/imp-govt-orders\/JSY_removal_of_conditionalities_13.5.13.pdf"]

eligibility_text:
  NHM eligibility for cash assistance:

  • LPS: all pregnant women delivering in government health centres (SC/PHC/CHC/FRU/general wards of district or state hospitals).
  • HPS: BPL / SC / ST women delivering in such government facilities.
  • LPS & HPS: BPL / SC / ST women delivering in accredited private institutions.

  Conditionalities on mother’s age and parity for institutional delivery in HPS (and for home deliveries) were removed by MSG decision communicated in 2013 — eligible women may receive assistance regardless of age and number of children as per that order; confirm any State-specific operational instructions with the facility / ASHA.

how_to_apply:
  1. Register pregnancy at the Anganwadi / Sub-Centre / PHC and obtain a Mother & Child Protection / JSY card as issued locally.
  2. Plan institutional delivery at a government facility (or accredited private facility if eligible).
  3. ASHA facilitates ANC and referral; claim cash assistance at the facility as per State NHM process (often paid before discharge).
  4. Keep bank/Aadhaar details ready where DBT is used.

  NHM: https://nhm.gov.in/index1.php?lang=1&level=3&lid=309&sublinkid=841

about_text:
  Janani Suraksha Yojana is a safe motherhood intervention under the National Health Mission, launched on 12 April 2005. It integrates cash assistance with delivery and post-delivery care to reduce maternal and neonatal mortality by promoting institutional delivery among poor pregnant women, with special focus on Low Performing States (LPS).

  Official NHM page: https://nhm.gov.in/index1.php?lang=1&level=3&lid=309&sublinkid=841

faqs:
  [{"q":"How much does a mother get in LPS rural areas?","a":"Official NHM JSY table: mother\u2019s package \u20b91,400 for institutional delivery in rural areas of Low Performing States."},{"q":"Who is eligible in High Performing States?","a":"NHM: BPL\/SC\/ST women delivering in government health centres (and BPL\/SC\/ST women in accredited private institutions)."}]


slug: npy
name: Ni-kshay Poshan Yojana (NPY)
short_name: NPY
ministry: Ministry of Health and Family Welfare (National TB Elimination Programme)
category: social
benefit_type: subsidy
audience_tags: ["citizen"]
need_tags: ["health","social_security"]
apply_url: https://tbcindia.mohfw.gov.in/ni-kshay-poshan-yojana/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  DBT nutritional support for all TB patients notified on Ni-kshay: ₹1,000 per month for the duration of anti-TB treatment (enhanced from ₹500 w.e.f. 01.11.2024).

benefit_text:
  From NTEP scheme circular / current NHM implementation notices:

  • Financial incentive for nutritional support for each notified TB patient for the duration of anti-TB treatment.
  • Amount: ₹1,000 per month with effect from 01.11.2024 (earlier ₹500 per month under the 2018 circular).
  • Paid preferably via DBT to an Aadhaar-enabled bank account of the patient (guardian/parent account for paediatric patients, as described in NTEP materials).
  • Some States may continue in-kind food baskets of value not less than the eligible monthly amount, with MoHFW concurrence as per the original circular.
  • MoHFW has also announced related nutrition measures (e.g. energy-dense supplementation for underweight patients and Ni-kshay Mitra household-contact support under PMTBMBA) — those are separate from the core NPY monthly DBT; confirm locally what is active.

  NPY is not a wage or insurance payout; it is nutritional support during treatment.

documents:
  ["Ni-kshay notification \/ treatment card details","Aadhaar","Bank account passbook \/ cancelled cheque (Aadhaar-seeded preferred)","Guardian KYC for paediatric patients"]

official_pdf_url:
  https://tbcindia.mohfw.gov.in/wp-content/uploads/2023/05/6851513623Nutrition-support-DBT-Scheme-details.pdf

source_urls:
  ["https:\/\/tbcindia.mohfw.gov.in\/ni-kshay-poshan-yojana\/","https:\/\/tbcindia.mohfw.gov.in\/wp-content\/uploads\/2023\/05\/6851513623Nutrition-support-DBT-Scheme-details.pdf","https:\/\/nhm.uk.gov.in\/scheme\/gramin-bhandaran-yojana\/","https:\/\/www.mohfw.gov.in\/?q=en%2Fpressrelease-101"]

eligibility_text:
  All TB patients notified on Ni-kshay on or after 01.04.2018 (including public and private sector notifications), as stated in the NTEP nutritional-support circular, provided they remain on treatment for the periods for which incentives are due.

  Must be registered/notified on the Ni-kshay portal. Contact the treating NTEP facility / STS if notification or bank seeding is incomplete.

how_to_apply:
  1. Ensure TB diagnosis/treatment is notified on Ni-kshay by the public or private provider.
  2. Provide Aadhaar-linked bank account details to the treatment supporter / PHI for DBT.
  3. Continue treatment as prescribed; follow-up examinations may be linked to later instalments as per NTEP practice.
  4. For delays, approach the District TB Officer / Ni-kshay helpdesk channels published locally.

  CTD: https://tbcindia.mohfw.gov.in/ni-kshay-poshan-yojana/

about_text:
  Ni-kshay Poshan Yojana provides nutritional support incentives to TB patients notified under the National TB Elimination Programme. Patients must be registered/notified on the Ni-kshay portal. Central TB Division hub: https://tbcindia.mohfw.gov.in/ni-kshay-poshan-yojana/

  Original scheme circular (2018) set ₹500/month; MoHFW / State NHM materials state the monthly incentive was increased to ₹1,000 from 01.11.2024.

faqs:
  [{"q":"How much is paid each month now?","a":"State NHM \/ MoHFW materials state \u20b91,000 per month from 01.11.2024 (earlier \u20b9500 under the 2018 circular) for the treatment duration."},{"q":"Are private-sector patients eligible?","a":"Yes. Official NTEP circular covers all TB patients notified on Ni-kshay, including private-sector notifications."}]


slug: e-nam
name: National Agriculture Market (e-NAM)
short_name: e-NAM
ministry: Department of Agriculture & Farmers Welfare (implemented with SFAC)
category: agriculture
benefit_type: other
audience_tags: ["farmer","msme"]
need_tags: ["agriculture","business"]
apply_url: https://enam.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://enam.gov.in/web/assest/download/Revised-Operational-Guidelines-of-e-NAM.pdf
lifecycle_status: active
summary:
  Pan-India electronic trading platform integrating APMC mandis for transparent online bidding, assaying and e-payment of notified agricultural commodities.

benefit_text:
  From official e-NAM stakeholder pages:

  • Farmers/FPOs: access to wider buyer pool via online bidding at onboarded mandis; transparent price discovery; e-payment options (RTGS/NEFT/cards/BHIM as enabled).
  • Traders: access to arrivals, quality/assay information and sellers across linked mandis; mobile-app trading; no fee for registration on e-NAM (enam.gov.in traders page).
  • Assaying support for notified commodities on DMI parameters where labs are available (count of assay-enabled commodities changes — check live portal).
  • Unified / single-point levy concepts as adopted by participating States.

  e-NAM is a market platform — not a minimum-support-price cash scheme or loan product.

documents:
  ["Aadhaar \/ government ID and bank passbook or cancelled cheque (farmers)","Trading licence and KYC (traders \/ commission agents)","FPO registration papers (for FPO login)","Mobile number and email for credentials"]

source_urls:
  ["https:\/\/enam.gov.in\/","https:\/\/enam.gov.in\/web\/stakeholders-Involved\/traders","https:\/\/enam.gov.in\/web\/resources\/registration-guideline"]

eligibility_text:
  Stakeholders who can register (enam.gov.in registration guidelines / stakeholder pages): Farmers, Traders, Commission Agents, FPOs/FPCs, and APMCs in States that have onboarded mandis.

  Trading requires selection/approval through the chosen APMC (and trader licence / unified licence as per State APMC rules). Only commodities and mandis integrated on e-NAM are tradeable on the platform.

how_to_apply:
  1. Register on https://enam.gov.in/ (or mobile app) selecting Farmer / Trader / FPO and the desired APMC.
  2. Complete KYC; farmers typically need identity and bank details; traders need licence and KYC as listed on the traders page.
  3. Visit the mandi for verification / permanent credentials where required.
  4. Bring produce to the onboarded mandi for weighing/assaying and participate in e-auction; receive payment electronically where enabled.

  Registration guidelines: https://enam.gov.in/web/resources/registration-guideline
  Operational Guidelines PDF linked from e-NAM Resources menu.

about_text:
  e-NAM is a digital marketplace that networks existing regulated markets (APMCs) to enable transparent electronic trading of agricultural commodities. Implemented under DA&FW with Small Farmers’ Agribusiness Consortium (SFAC).

  Portal: https://enam.gov.in/

faqs:
  [{"q":"Is there a registration fee?","a":"Official e-NAM traders page states there is no fee for registration on e-NAM."},{"q":"Do I get MSP automatically on e-NAM?","a":"No. e-NAM is an electronic market for price discovery and trade; MSP operations are separate government procurement mechanisms."}]


slug: potd
name: National Savings Time Deposit Account Scheme (POTD / TD)
short_name: POTD
ministry: Ministry of Finance (National Savings; Post Offices and authorised banks)
category: social
benefit_type: other
documents: ["Identity and address KYC","PAN\/Aadhaar as mandated","Account opening form and deposit amount"]
audience_tags: ["citizen"]
need_tags: ["savings"]
apply_url: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=58
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Government small-savings time deposits for 1, 2, 3 or 5 years; minimum ₹1,000 (multiples of ₹100), no maximum limit; interest compounded quarterly and paid annually.

benefit_text:
  From NSI Time Deposit summary / Scheme, 2019:

  • Four tenures: 1-year, 2-year, 3-year and 5-year Time Deposit accounts.
  • Minimum deposit ₹1,000 and thereafter in multiples of ₹100; no maximum deposit limit; only one deposit in an account.
  • Interest compounded quarterly and payable annually; rate applicable on the date of opening applies till maturity (confirm live rates on the NSI interest-rate table).
  • Premature closure: account may be closed after six months; if withdrawn after six months but before one year, simple interest at the Post Office Savings Account (POSA) rate is payable (NSI summary). Further premature-closure formulas for longer tenures are set in the Scheme rules — confirm at the counter / rules PDF before breaking a deposit.
  • NSI states deposits in the 5-year Time Deposit qualify for deduction under Section 80-C of the Income-tax Act (confirm current tax law for your case).

source_urls:
  ["https:\/\/www.nsiindia.gov.in\/InternalPage.aspx?Id_Pk=58","https:\/\/www.nsiindia.gov.in\/InternalPage.aspx?Id_Pk=164","https:\/\/www.nsiindia.gov.in\/InternalPage.aspx?Id_Pk=132"]

eligibility_text:
  Individuals may open accounts under the Scheme; a guardian may open an account on behalf of a minor or a person of unsound mind (NSI).

  Open at Post Offices and authorised banks with KYC.

how_to_apply:
  1. Visit Post Office or authorised bank with KYC.
  2. Choose 1 / 2 / 3 / 5 year tenure and deposit ≥ ₹1,000 (multiples of ₹100).
  3. Note the interest rate applicable on the opening date.
  4. For premature closure, request as per Scheme rules after the minimum lock-in.

  NSI: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=58
  Interest rates: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132

about_text:
  Governed by the National Savings Time Deposit Scheme, 2019 (G.S.R. 922(E), as amended). Accounts at Post Offices and authorised banks.

  Official NSI summary: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=58

faqs:
  [{"q":"What is the minimum deposit?","a":"Official NSI: \u20b91,000 and thereafter in multiples of \u20b9100; no maximum limit."},{"q":"Which tenures exist?","a":"NSI lists four categories: 1-year, 2-year, 3-year and 5-year Time Deposit accounts."}]


slug: rvy
name: Rashtriya Vayoshri Yojana (RVY)
short_name: RVY
ministry: Department of Social Justice and Empowerment (implemented by ALIMCO)
category: social
benefit_type: other
audience_tags: ["senior","citizen"]
need_tags: ["health","social_security"]
apply_url: https://scw.dosje.gov.in/rashtriya-vayoshri-yojana
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Central scheme providing free assisted-living devices to eligible senior citizens (BPL / monthly income ≤ ₹15,000) with age-related disabilities or infirmities, via ALIMCO assessment and distribution camps.

benefit_text:
  From the official DoSJE / Elder Care RVY page:

  • Free assisted-living devices such as walking sticks, elbow crutches, walkers/crutches, tripods/quadpods, hearing aids, wheelchairs, artificial dentures, spectacles, and other generic/special items as listed for the camp.
  • For senior citizens aged 80 years or more, devices are provided at their doorsteps.
  • Identification through Assessment Camps organised with State Government / District Administration; distribution in Distribution Camps.

  This is device support — not a monthly cash pension (contrast with NSAP/IGNOAPS).

documents:
  ["Aadhaar (mandatory on official page)","Income certificate (mandatory on official page)","BPL \/ ration card \/ pension proof as accepted locally","Medical officer certificate for specific infirmities where required"]

source_urls:
  ["https:\/\/scw.dosje.gov.in\/rashtriya-vayoshri-yojana","https:\/\/pib.gov.in\/Pressreleaseshare.aspx?PRID=1562683"]

eligibility_text:
  Official RVY page:
  • Senior citizens belonging to the BPL category and with monthly income not more than ₹15,000.
  • Suffering from age-related disability/infirmity of the types covered (vision, hearing, teeth, loco-motor as described on the page).

  Selection is through assessment camps in selected districts — not an open-ended individual online grant for every applicant nationwide at once.

how_to_apply:
  1. Watch for Assessment Camp notifications in your district (State / District Administration / ALIMCO channels) or use district contacts listed on https://scw.dosje.gov.in/rashtriya-vayoshri-yojana
  2. Attend assessment with mandatory documents (Aadhaar and income certificate as marked on the portal; other ID/ration card as demanded).
  3. If identified, collect devices at the Distribution Camp (doorstep delivery if aged 80+).
  4. Keep medical certificates for hearing/vision/teeth/loco-motor need where the implementing agency requires them.

  DoSJE Elder Care: https://scw.dosje.gov.in/rashtriya-vayoshri-yojana

about_text:
  Rashtriya Vayoshri Yojana was launched on 01.04.2017 to provide assisted-living devices to senior citizens suffering from age-related disability/infirmity (low vision, hearing impairment, loss of teeth, loco-motor disabilities). Artificial Limbs Manufacturing Corporation (ALIMCO) is the sole implementing agency; devices are distributed in camp mode.

  Official page: https://scw.dosje.gov.in/rashtriya-vayoshri-yojana

faqs:
  [{"q":"Who implements RVY?","a":"Official page: Artificial Limbs Manufacturing Corporation (ALIMCO) is the sole implementing agency; devices are given in camp mode."},{"q":"What is the income limit?","a":"Official RVY page: BPL senior citizens with monthly income not more than \u20b915,000."}]


slug: jssk
name: Janani Shishu Suraksha Karyakram (JSSK)
short_name: JSSK
ministry: Ministry of Health and Family Welfare (National Health Mission)
category: social
benefit_type: other
audience_tags: ["woman","citizen"]
need_tags: ["maternity","health"]
apply_url: https://nhm.gov.in/index4.php?lang=1&level=0&lid=171&linkid=150
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://nhm.gov.in/New_Updates_2018/NHM_Components/RMNCHA/MH/Guidelines/JSSK_Final_English.pdf
lifecycle_status: active
summary:
  NHM initiative for zero out-of-pocket expenditure: free delivery (including C-section), drugs, diagnostics, diet, blood and transport for pregnant women in public facilities, and free care for sick infants up to one year.

benefit_text:
  Free entitlements for pregnant women (NHM JSSK page / PIB):
  • Free and cashless delivery, including C-section
  • Free drugs and consumables; free diagnostics; free blood where required
  • Free diet during stay (NHM/PIB commonly state up to 3 days for normal delivery and 7 days for C-section)
  • Exemption from user charges
  • Free transport from home to facility, between facilities on referral, and drop-back home (NHM list also references drop-back after 48 hrs stay)

  Free entitlements for sick newborns/infants (expanded to sick infants up to one year):
  • Free treatment, drugs, diagnostics, blood; exemption from user charges; free transport home↔facility and referral, and drop-back

  JSSK is service entitlement in public facilities — not a cash DBT like JSY (the two can apply together).

documents:
  ["MCP \/ ANC registration card","Identity proof of the woman \/ infant caregiver","Referral slip if referred between facilities"]

source_urls:
  ["https:\/\/nhm.gov.in\/index4.php?lang=1&level=0&lid=171&linkid=150","https:\/\/nhm.gov.in\/index1.php?lang=1&level=3&lid=308&sublinkid=842","https:\/\/www.pib.gov.in\/newsite\/PrintRelease.aspx?relid=200174"]

eligibility_text:
  Pregnant women accessing government/public health institutions for delivery and related antenatal/postnatal complications as covered under JSSK.

  Sick infants up to one year of age accessing public health institutions for treatment.

  Operational across States/UTs under NHM; exact facility readiness (diet kitchens, blood banks, ambulances) varies by institution — ask ASHA / facility JSSK helpdesk.

how_to_apply:
  1. Register pregnancy and plan delivery at a government facility (SC/PHC/CHC/FRU/district hospital as appropriate).
  2. Use free referral transport (108/102 or State EMS as operational) — do not pay unofficial agents for “JSSK seats”.
  3. At the facility, insist on the published free entitlements (drugs, diagnostics, diet, blood, no user charges).
  4. For a sick infant under one year, seek care at the public facility under the same free-entitlement framework.

  NHM: https://nhm.gov.in/index4.php?lang=1&level=0&lid=171&linkid=150

about_text:
  JSSK was launched on 01.06.2011 to eliminate out-of-pocket expenses for pregnant women delivering in public health institutions and for sick infants. NHM materials state that in 2014 entitlements were extended to antenatal and postnatal complications and to sick infants up to one year of age.

  Official NHM pages: https://nhm.gov.in/index4.php?lang=1&level=0&lid=171&linkid=150 and https://nhm.gov.in/index1.php?lang=1&level=3&lid=308&sublinkid=842

faqs:
  [{"q":"Is C-section free under JSSK?","a":"Yes. Official NHM entitlements include free and cashless delivery including C-section in public health institutions."},{"q":"Till what age are sick infants covered?","a":"NHM materials state free entitlements for sick newborns were expanded to cover sick infants up to one year of age."}]


slug: nps
name: National Pension System (NPS) – All Citizen Model
short_name: NPS
ministry: Pension Fund Regulatory and Development Authority (PFRDA) / NPS Trust
category: social
benefit_type: other
audience_tags: ["citizen","senior","worker"]
need_tags: ["pension","savings","social_security"]
apply_url: https://www.pfrda.org.in/schemes/national-pension-system/nps-for-all-citizen-models
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  PFRDA-regulated voluntary defined-contribution pension for Indian citizens / OCI (age 18–85): Tier-I pension account (optional Tier-II), portable, market-linked, with exits as per PFRDA exit regulations.

benefit_text:
  From official PFRDA All Citizen Model page / NPS Trust eligibility page (confirm live before acting):

  • Tier-I: Individual Pension Account (default retirement account); withdrawals/exits only as per PFRDA Exit & Withdrawal regulations (as amended).
  • Tier-II: optional investment account requiring an active Tier-I; unrestricted withdrawals; PFRDA states NRIs/OCIs with Tier-I cannot activate Tier-II.
  • No upper limit on contributions (PFRDA).
  • Choice of Point of Presence (PoP), Central Recordkeeping Agency (CRA), Pension Fund and asset allocation (Active / Auto Life-Cycle choices as published).
  • Portability across jobs and locations; 24×7 online account access as stated by PFRDA.
  • Tax treatment: PFRDA states tax benefits are available under the Income-tax Act, 1961 — exact sections/limits change with tax law; confirm for your assessment year.
  • Exit/withdrawal table on the PFRDA All Citizen page (including normal exit after age 60 or 15-year vesting rules as stated, premature exit, death exit, and corpus-linked lumpsum/annuity options) is detailed and has been amended — always read the current PFRDA page / regulations before planning an exit.

  Contribution minima: PFRDA PoP charges circular dated 31.12.2025 (effective 01.01.2026) states there shall not be any minimum contribution at onboarding or subsequent contributions for All Citizen / Corporate Common Schemes (except where a PoP elects a specific first-year charge structure that requires a ₹250 minimum at onboarding). Older FAQ/offer documents still quote historical minima (e.g. ₹500) — treat those as superseded where the circular applies; confirm the live rule on eNPS / your PoP.

documents:
  ["Subscriber Registration Form (CSRF \/ online equivalent)","Recent photograph","PAN","Proof of address (as accepted for resident \/ NRI \/ OCI categories on the PFRDA page)","Bank account proof (NRE\/NRO for NRI\/OCI as listed)","Indian Passport (NRI) or OCI card (OCI) where applicable"]

source_urls:
  ["https:\/\/www.pfrda.org.in\/schemes\/national-pension-system\/nps-for-all-citizen-models","https:\/\/www.pfrda.org.in\/schemes\/national-pension-system\/about-nps","https:\/\/www.npstrust.org.in\/index.php\/eligibility","https:\/\/pfrda.org.in\/documents\/33652\/154928\/POP+charges+circular.pdf"]

eligibility_text:
  PFRDA All Citizen Model / NPS Trust (All Citizen):
  • Indian citizen (resident or non-resident) or Overseas Citizen of India (OCI)
  • Age between 18 and 85 years on the date of application
  • KYC-compliant as prescribed in the subscriber registration form
  • Legally competent to contract

  Not eligible (official note): Hindu Undivided Families (HUFs) and Persons of Indian Origin (PIOs). NPS is an individual account and cannot be opened on behalf of another person.

  Government employees / corporate employees may already be covered under employer NPS models — this entry is for voluntary All Citizen subscription.

how_to_apply:
  1. Read current All Citizen rules on https://www.pfrda.org.in/schemes/national-pension-system/nps-for-all-citizen-models
  2. Open online via eNPS (NPS Trust) or through a PFRDA-registered Point of Presence (bank/PoP).
  3. Complete Subscriber Registration Form + KYC (PAN, photograph, address proof; NRI/OCI document sets as listed on the PFRDA page).
  4. Choose Pension Fund / investment option; contribute via PoP, eNPS, app or D-Remit as offered.
  5. For exit/partial withdrawal, follow CRA/PoP process under current PFRDA exit regulations.

  eNPS / NPS Trust: https://www.npstrust.org.in/

about_text:
  National Pension System is India’s contributory pension system regulated by PFRDA under the PFRDA Act, 2013. It began for new Central Government employees from 01.01.2004 and was opened voluntarily to all citizens from 01.05.2009.

  This catalogue entry covers the voluntary All Citizen Model (not the separate Government/Corporate employer models’ payroll rules). Official overview: https://www.pfrda.org.in/schemes/national-pension-system/nps-for-all-citizen-models and https://www.npstrust.org.in/index.php/eligibility

faqs:
  [{"q":"What is the entry age for All Citizen NPS?","a":"Official PFRDA All Citizen page and NPS Trust eligibility page both state age between 18 and 85 years (older FAQ pages that said 18\u201370 are outdated)."},{"q":"Is there a fixed minimum monthly contribution?","a":"PFRDA\u2019s PoP charges circular (31.12.2025, effective 01.01.2026) states no mandatory minimum contribution at onboarding\/subsequent contributions for All Citizen Common Schemes, with a limited exception if a PoP chooses a specific first-year charge needing \u20b9250 at onboarding. Confirm live with eNPS\/your PoP."}]


slug: pord
name: National Savings Recurring Deposit Account Scheme (RD / PORD)
short_name: PORD
ministry: Ministry of Finance (National Savings; Post Offices and authorised banks)
category: social
benefit_type: other
audience_tags: ["citizen"]
need_tags: ["savings"]
apply_url: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=59
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: confirm_live
summary:
  Government small-savings recurring deposit: sixty monthly deposits over five years; minimum ₹100 per month (multiples of ₹10); no maximum; interest as notified — confirm live NSI rate.

benefit_text:
  From National Savings Recurring Deposit Scheme, 2019 / NSI RD summary:

  • Maturity period: five years (sixty monthly deposits).
  • Minimum monthly deposit ₹100 or any sum in multiples of ₹10; no maximum limit (NSI).
  • First deposit at opening sets the denomination; subsequent equal deposits on the due dates stated in the Scheme (by 15th or last working day depending on opening date).
  • Defaults: limited defaults may extend maturity; more than four defaults treat the account as discontinued with revival rules and revival fee as in the Scheme.
  • Advance deposits of six or more instalments attract rebates as tabulated in the Scheme (₹10 / ₹40 patterns for ₹100 denomination — proportionate for other denominations).
  • Premature closure after three years with interest at the Post Office Savings Account rate (as stated in Scheme/NSI materials).
  • Withdrawal up to 50% of balance after one year is described on NSI (subject to Scheme conditions).
  • Account may be continued after maturity with or without deposits for a further period as per Scheme/NSI.
  • Interest rate: Government-notified, compounded as applicable — confirm the live rate on the NSI interest-rate table before opening; do not rely on outdated third-party tables.

documents:
  ["Identity and address KYC","PAN\/Aadhaar as mandated by the accounts office","Account opening Form-1 \/ local equivalent and first deposit"]

official_pdf_url:
  https://www.indiapost.gov.in/documents/offerings/schemesandservices/posb/NationalSavingsRecurringDepositScheme2019English.pdf

source_urls:
  ["https:\/\/www.nsiindia.gov.in\/InternalPage.aspx?Id_Pk=59","https:\/\/www.indiapost.gov.in\/documents\/offerings\/schemesandservices\/posb\/NationalSavingsRecurringDepositScheme2019English.pdf","https:\/\/www.nsiindia.gov.in\/InternalPage.aspx?Id_Pk=132"]

eligibility_text:
  Scheme, 2019 (opening of account):
  • A single adult; or
  • Up to three adults jointly; or
  • A guardian on behalf of a minor or a person of unsound mind; or
  • A minor who has attained the age of ten years, in his own name.

  An individual may have more than one account in his name or jointly with another (Scheme text).

  Open at Post Office / authorised bank with KYC.

how_to_apply:
  1. Visit Post Office or authorised bank with KYC.
  2. Open RD account with first monthly deposit (≥ ₹100, multiples of ₹10).
  3. Deposit subsequent instalments by the due date each month (or use advance-deposit / standing instruction options offered locally).
  4. Note the interest rate applicable and keep passbook/e-passbook updated.

  NSI: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=59
  Interest rates: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132

about_text:
  Governed by the National Savings Recurring Deposit Scheme, 2019 (G.S.R. 918(E) dated 12.12.2019). Accounts are opened at Post Offices and authorised banks under the National Savings framework.

  NSI summary: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=59
  Scheme rules PDF (India Post): https://www.indiapost.gov.in/documents/offerings/schemesandservices/posb/NationalSavingsRecurringDepositScheme2019English.pdf

faqs:
  [{"q":"What is the minimum monthly deposit?","a":"Scheme 2019 \/ NSI: \u20b9100 or any sum in multiples of \u20b910; no maximum limit."},{"q":"What is the maturity period?","a":"Scheme 2019: five years (sixty monthly deposits)."}]


slug: cgss
name: Credit Guarantee Scheme for Startups (CGSS)
short_name: CGSS
ministry: Department for Promotion of Industry and Internal Trade (DPIIT); Trustee – NCGTC
category: business
benefit_type: guarantee
audience_tags: ["msme","citizen"]
need_tags: ["loan","guarantee","business"]
apply_url: https://www.startupindia.gov.in/content/sih/en/credit-guarantee-scheme-for-startups.html
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Credit guarantee for debt extended by Member Institutions to DPIIT-recognised startups; maximum cover ₹20 crore per borrower (transaction cover 85% up to ₹10 crore / 75% above), via NCGTC — not a direct grant to founders.

benefit_text:
  From Startup India CGSS page / notified guidelines (confirm live before relying):

  • Maximum guarantee cover per borrower: ₹20 crore (enhanced from ₹10 crore under the revised framework).
  • Transaction-based cover: 85% of the amount in default for loan amount up to ₹10 crore; 75% of the amount in default for loan amount exceeding ₹10 crore (subject to the ₹20 crore ceiling).
  • Umbrella-based cover (for eligible pooled venture-debt structures): actual losses or up to 5% of pooled investment, whichever is lower, subject to ₹20 crore per borrower (as stated).
  • Instruments may include venture debt, working capital, subordinated/mezzanine debt, debentures, optionally convertible debt and other fund/non-fund facilities that crystallise as debt obligations (Startup India overview).
  • Annual Guarantee Fee is paid by the Member Institution to the Trust (guidelines quote 2% p.a. standard; 1.5% for North-East / women entrepreneurs; 1% for 27 champion sectors — fee is an MI→Trust charge, not a citizen “application fee”).

  Loan sanction, interest, collateral waiver and tenure remain the Member Institution’s credit decision under CGSS eligibility.

documents:
  ["DPIIT Startup recognition proof","Business \/ financial papers demanded by the Member Institution","KYC of promoters \/ company as required by the lender","Any project \/ utilisation papers the MI requires for sanction"]

official_pdf_url:
  https://www.startupindia.gov.in/content/dam/invest-india/PGF/credit-guarantee-scheme-for-startup.pdf

source_urls:
  ["https:\/\/www.startupindia.gov.in\/content\/sih\/en\/credit-guarantee-scheme-for-startups.html","https:\/\/www.startupindia.gov.in\/content\/dam\/invest-india\/PGF\/credit-guarantee-scheme-for-startup.pdf","https:\/\/www.pib.gov.in\/Pressreleaseshare.aspx?PRID=2127843","https:\/\/www.ncgtc.in\/"]

eligibility_text:
  Eligible borrower (Startup India / guidelines):
  • Startup recognised by DPIIT as per Gazette notifications in force; and
  • Not in default to any lending/investing institution and not classified as NPA as per RBI guidelines; and
  • Eligibility certified by the Member Institution for guarantee cover.

  Eligible Member Institutions include Scheduled Commercial Banks and Financial Institutions; RBI-registered NBFCs meeting rating/net-worth criteria stated in guidelines; and SEBI-registered AIFs (AIFs are not eligible for transaction-based cover as stated in guidelines).

  Founders apply for credit to an MI — not for a standalone “CGSS subsidy form”.

how_to_apply:
  1. Ensure DPIIT Startup recognition is active.
  2. Approach a Member Institution listed for CGSS / on Jan Samarth, or apply via the Jan Samarth pathway linked from Startup India.
  3. Complete the lender’s credit appraisal; the MI applies to NCGTC for guarantee cover if the facility qualifies.
  4. Track sanction/disbursement with the same MI.

  Startup India: https://www.startupindia.gov.in/content/sih/en/credit-guarantee-scheme-for-startups.html
  NCGTC: https://www.ncgtc.in/

about_text:
  CGSS provides guarantee cover to Member Institutions (banks, eligible NBFCs, SEBI-registered AIFs) against credit instruments extended to DPIIT-recognised startups. Guarantee is issued through National Credit Guarantee Trustee Company Ltd. (NCGTC) as Trustee of the Credit Guarantee Fund for Startups — startups do not receive a cash grant from CGSS itself.

  Startup India page: https://www.startupindia.gov.in/content/sih/en/credit-guarantee-scheme-for-startups.html
  Operational guidelines / Gazette notification (expanded cover): https://www.startupindia.gov.in/content/dam/invest-india/PGF/credit-guarantee-scheme-for-startup.pdf
  PIB on expansion of ceiling to ₹20 crore: https://www.pib.gov.in/Pressreleaseshare.aspx?PRID=2127843

faqs:
  [{"q":"Does CGSS give money directly to startups?","a":"No. Official materials state guarantee cover is provided to Member Institutions via NCGTC; startups approach MIs for debt funding."},{"q":"What is the maximum guarantee per borrower?","a":"Startup India \/ revised guidelines: maximum guarantee cover per borrower shall not exceed \u20b920 crore."}]


slug: tele-manas
name: Tele Mental Health Assistance and Networking Across States (Tele-MANAS)
short_name: Tele-MANAS
ministry: Ministry of Health and Family Welfare (National Tele Mental Health Programme)
category: social
benefit_type: other
audience_tags: ["citizen"]
need_tags: ["health"]
apply_url: https://telemanas.mohfw.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  24×7 national tele-mental health counselling and care network under NMHP; free helpline 14416 / 1800-89-14416 with State Tele-MANAS cells, app and video consultation upgrades.

benefit_text:
  From DGHS NMHP / MoHFW / PIB materials:

  • Universal access aim: equitable, accessible, affordable quality mental health care through 24×7 tele-mental health services across States/UTs.
  • Toll-free access: short code 14416 and 1800-89-14416 (DGHS); earlier PIB also referenced 1-800-91-4416 — use the numbers published on telemanas.mohfw.gov.in / DGHS if any local variant appears.
  • Services include counselling and integrated medical/psychosocial interventions, with linkages to specialists, video consultation (PIB notes video facility upgrade), e-prescriptions, follow-up and in-person DMHP linkages as the network provides.
  • Tele-MANAS Mobile Application launched (PIB: World Mental Health Day 2024) for support ranging from well-being to mental disorders.
  • Language options depend on State/UT cells (MoHFW updates cite multi-language availability).

  This is a tele-care service — not a cash DBT. Emergency medical crises may still need local emergency numbers / nearest facility.

documents:
  ["No mandatory document pack is published for a first helpline call","Identity \/ health details only if requested during clinical follow-up or facility linkage"]

source_urls:
  ["https:\/\/dghs.mohfw.gov.in\/national-mental-health-programme.php","https:\/\/telemanas.mohfw.gov.in\/","https:\/\/pib.gov.in\/Pressreleaseshare.aspx?PRID=1866498","https:\/\/www.pib.gov.in\/PressReleasePage.aspx?PRID=2151235"]

eligibility_text:
  DGHS / MoHFW frame Tele-MANAS as open to anybody who reaches out across India, any time, with emphasis on vulnerable and hard-to-reach populations. No separate income ceiling is published on the DGHS Tele-MANAS summary for dialling the helpline.

  Service availability depends on State/UT Tele-MANAS cells being operational; MoHFW Lok Sabha replies (2025) report cells across States/UTs — confirm live status on https://telemanas.mohfw.gov.in/

how_to_apply:
  1. Call toll-free 14416 or 1800-89-14416 (as published by DGHS) and select language where prompted.
  2. Or use the Tele-MANAS mobile application / portal https://telemanas.mohfw.gov.in/ for supported digital channels.
  3. Follow counsellor guidance for follow-up, video consult, or linkage to District Mental Health Programme / facility care if advised.
  4. For in-person services, use the DMHP / public facility pathway recommended by the cell.

  Do not pay agents for “helpline registration”.

about_text:
  Announced in Union Budget 2022 and launched as the National Tele Mental Health Programme (NTMHP) on 10.10.2022, Tele-MANAS is the digital arm of the District Mental Health Programme under the National Mental Health Programme.

  Directorate General of Health Services (DGHS) page: https://dghs.mohfw.gov.in/national-mental-health-programme.php
  Portal: https://telemanas.mohfw.gov.in/
  PIB launch note: https://pib.gov.in/Pressreleaseshare.aspx?PRID=1866498

faqs:
  [{"q":"What number should I dial?","a":"DGHS lists toll-free 1800-89-14416 or short code 14416. Confirm any updated numbers on telemanas.mohfw.gov.in."},{"q":"Is Tele-MANAS a cash benefit?","a":"No. Official materials describe 24\u00d77 tele-mental health counselling and linked care services, not a monthly cash transfer."}]


slug: ncs
name: National Career Service (NCS)
short_name: NCS
ministry: Ministry of Labour and Employment (Directorate General of Employment)
category: social
benefit_type: other
audience_tags: ["citizen","worker"]
need_tags: ["skill","other"]
apply_url: https://www.ncs.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Mission Mode employment portal offering free job matching, career information and related services for jobseekers; counselling may attract a capped fee as published in NCS FAQs.

benefit_text:
  From DGE NCS page / official NCS FAQs:

  • Free registration for jobseekers on www.ncs.gov.in (also via Model Career Centres, CSCs, Post Offices, or helpline-assisted registration as stated in FAQs).
  • Job search and apply; career counselling and vocational guidance services; information on skill courses and related opportunities as offered on the portal.
  • Multilingual helpline 1514 (DGE: Tuesday–Sunday, 8:00 AM–8:00 PM) for user assistance.
  • NCS FAQs state National Career Service does not charge any fee from registered jobseekers for its services, except counselling where a maximum of ₹200 can be charged (as per the published FAQ fee note). Report anyone demanding other fees.

  NCS does not guarantee a job placement; employers post vacancies and selection remains with the employer.

documents:
  ["Mobile number for OTP registration","Identity \/ education \/ experience details as required to complete the jobseeker profile","Resume \/ certificates if uploading for applications"]

source_urls:
  ["https:\/\/dge.gov.in\/ncs","https:\/\/www.ncs.gov.in\/","https:\/\/www.ncs.gov.in\/_layouts\/15\/ncsp\/faqs.aspx","https:\/\/dge.gov.in\/sites\/default\/files\/2024-05\/e-Book_of_NCS_launched_as_part_of_Azadi_ka_Amrit_Mahotsav.pdf"]

eligibility_text:
  Jobseekers, employers, counsellors and training providers can register as stakeholder types on the portal (FAQ/process). No single national income ceiling is published for basic jobseeker registration on the FAQ pages reviewed.

  Keep profile/skills updated for relevant job recommendations. International job preferences/vacancies via registered recruitment agencies are described on the DGE NCS page for interested jobseekers.

how_to_apply:
  1. Register free at https://www.ncs.gov.in/ (or MCC / CSC / Post Office / call 1514 for assisted registration as per FAQs).
  2. Complete profile, education, skills and job preferences.
  3. Search and apply to vacancies; book counselling if needed through the portal’s counsellor directory.
  4. Use helpline 1514 (Tue–Sun, 8 AM–8 PM as stated by DGE) for portal help.

  DGE overview: https://dge.gov.in/ncs

about_text:
  National Career Service is MoLE’s Mission Mode Project transforming the National Employment Service into a digital platform for job matching, career counselling, vocational guidance, and information on skills / apprenticeships / internships.

  Portal dedicated by the Prime Minister on 20.07.2015. Official DGE page: https://dge.gov.in/ncs
  Portal: https://www.ncs.gov.in/
  FAQs: https://www.ncs.gov.in/_layouts/15/ncsp/faqs.aspx

faqs:
  [{"q":"Is NCS registration free for jobseekers?","a":"Official NCS FAQs state registration and NCS services are free for jobseekers, except counselling where a maximum of \u20b9200 can be charged as published."},{"q":"What is the helpline?","a":"DGE lists dedicated helpline 1514 (multi-lingual), Tuesday to Sunday, 8:00 AM to 8:00 PM."}]


slug: esanjeevani
name: eSanjeevani – National Telemedicine Service
short_name: eSanjeevani
ministry: Ministry of Health and Family Welfare (platform by C-DAC)
category: social
benefit_type: other
audience_tags: ["citizen"]
need_tags: ["health"]
apply_url: https://esanjeevani.mohfw.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Government of India’s free national telemedicine service: patient-to-doctor eSanjeevani OPD from home, and doctor-to-doctor eSanjeevani AB-HWC via Ayushman Arogya Mandirs / Health & Wellness Centres.

benefit_text:
  From official PIB / MoHFW materials on eSanjeevani:

  • Free telemedicine consultations under the national service (Government of India’s free telemedicine service as described by NHA/PIB).
  • eSanjeevani OPD: connect directly to doctors from home via website/app for outpatient advice across specialties as made available by participating States/hubs.
  • eSanjeevani AB-HWC: access specialist opinion through a Health & Wellness Centre / Ayushman Arogya Mandir visit (spoke–hub model).
  • ABDM integration: create ABHA and link/share prescriptions and lab records with the consulting doctor where the ABDM flow is enabled.

  Availability of specialties, languages and hours varies by State/UT and hub roster — confirm on the live portal/app. This is a tele-consultation service, not a cash DBT or insurance enrolment (AB-PMJAY is separate).

documents:
  ["Mobile number for OTP registration (OPD)","Basic identity \/ demographic details for patient profile","Prior prescriptions or reports if sharing with the doctor (optional; ABHA-linked records where enabled)"]

source_urls:
  ["https:\/\/esanjeevani.mohfw.gov.in\/","https:\/\/pib.gov.in\/Pressreleaseshare.aspx?PRID=1830743","https:\/\/pib.gov.in\/Pressreleaseshare.aspx?PRID=1789963","https:\/\/esanjeevani.mohfw.gov.in\/document\/privacy-policy.html"]

eligibility_text:
  Citizens seeking outpatient teleconsultation may register on eSanjeevani OPD (mobile OTP registration as described in the service’s privacy/registration materials). Patients at participating Health & Wellness Centres can be registered by the Community Health Officer / facility for the AB-HWC doctor-to-doctor pathway.

  No separate national income ceiling is published for using the free telemedicine service. Emergency / life-threatening conditions still require local emergency care — telemedicine is not a substitute for emergency response.

how_to_apply:
  1. For home OPD: visit https://esanjeevani.mohfw.gov.in/ or the official eSanjeevani mobile app; register with mobile OTP; create profile; request consultation as guided.
  2. Optionally create/link ABHA during or after registration for digital health-record continuity (ABDM integration).
  3. For HWC pathway: visit the nearest participating Ayushman Arogya Mandir / Health & Wellness Centre and request teleconsultation via eSanjeevani AB-HWC.
  4. Follow e-prescription / referral advice from the consulting doctor; collect medicines/labs as directed locally.

  Do not pay agents for “eSanjeevani slots”.

about_text:
  eSanjeevani is MoHFW’s National Telemedicine Service, designed and operationalised by C-DAC. PIB describes two variants: (1) eSanjeevani OPD — patient-to-doctor outpatient teleconsultation from home; (2) eSanjeevani AB-HWC — doctor-to-doctor telemedicine through Ayushman Bharat Health & Wellness Centres (spokes) linked to hub hospitals/medical colleges.

  Both variants have been integrated with Ayushman Bharat Digital Mission (ABDM) so users can create/link ABHA and manage health records (PIB PRID 1830743).

  Portal: https://esanjeevani.mohfw.gov.in/

faqs:
  [{"q":"Is eSanjeevani free?","a":"Official PIB\/NHA materials describe eSanjeevani as the Government of India\u2019s free telemedicine service."},{"q":"What are the two modes?","a":"PIB: eSanjeevani OPD (patient-to-doctor from home) and eSanjeevani AB-HWC (doctor-to-doctor via Health & Wellness Centres)."}]


slug: abha
name: Ayushman Bharat Health Account (ABHA)
short_name: ABHA
ministry: National Health Authority (Ayushman Bharat Digital Mission)
category: social
benefit_type: other
audience_tags: ["citizen"]
need_tags: ["health"]
apply_url: https://abha.abdm.gov.in/
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Voluntary free 14-digit digital health identifier under ABDM to link, access and share personal health records across participating facilities — not the same as AB-PMJAY insurance enrolment.

benefit_text:
  From official ABDM / NHA materials:

  • Free generation of a unique 14-digit ABHA number (and optional ABHA address such as name@abdm).
  • Link health records (prescriptions, lab reports, discharge summaries) created at ABDM-enabled facilities / apps.
  • Share records with healthcare professionals with consent (e.g. Scan & Share OPD registration, eSanjeevani integration).
  • Voluntary — not mandatory to receive care; non-participation should not deny treatment at facilities following ABDM guidelines.

  ABHA itself does not pay hospital bills. Cashless hospitalisation under Ayushman Bharat – PM-JAY is a separate scheme requiring PM-JAY eligibility/card.

documents:
  ["Aadhaar number and Aadhaar-linked mobile (common self-creation path)","Any alternate KYC accepted on the live ABHA portal \/ assisted desk"]

official_pdf_url:
  https://abdm.gov.in/strapicms/uploads/PIB_Explainer_on_Ayushman_Bharat_Health_Accounts_ABHA_79f9adab25.pdf

source_urls:
  ["https:\/\/abdm.gov.in\/citizens","https:\/\/abha.abdm.gov.in\/","https:\/\/abdm.gov.in\/scan-share\/faqs","https:\/\/abdm.gov.in\/strapicms\/uploads\/PIB_Explainer_on_Ayushman_Bharat_Health_Accounts_ABHA_79f9adab25.pdf"]

eligibility_text:
  Any individual who wishes to participate in ABDM may create an ABHA (NHA citizen materials: every individual can generate ABHA). Official explainers state any individual can enrol free of cost — it is not restricted to PM-JAY beneficiaries.

  Creation typically uses Aadhaar-based authentication (OTP/biometric) or other supported flows in assisted mode at participating facilities. Confirm the live document options on https://abha.abdm.gov.in/

how_to_apply:
  1. Self-register at https://abha.abdm.gov.in/abha/v3/ (or ABHA / ABDM partner apps listed on abdm.gov.in).
  2. Authenticate (commonly Aadhaar + mobile OTP) and set ABHA address as guided.
  3. Or request assisted creation at a participating hospital / health facility ABHA desk.
  4. Download/save ABHA card/QR; use Scan & Share or link records in ABDM-enabled apps when seeking care.

  Helpline referenced on ABDM citizen page: 1800-11-4477 / abdm[at]nha[dot]gov[dot]in.

about_text:
  ABHA (earlier Health ID) is a core building block of the Ayushman Bharat Digital Mission (ABDM) under the National Health Authority. It is a randomly generated 14-digit number that uniquely identifies a person in India’s digital health ecosystem and allows linking and sharing of electronic health records with consent.

  Citizen page: https://abdm.gov.in/citizens
  Create ABHA: https://abha.abdm.gov.in/ (also https://abha.abdm.gov.in/abha/v3/)
  PIB/NHA explainer clarifies ABHA is not enrolment in AB-PMJAY.

faqs:
  [{"q":"Does ABHA mean I am enrolled in PM-JAY?","a":"No. Official ABHA explainer: ABHA is only a digital health account\/number to link records \u2014 it is not AB-PMJAY enrolment."},{"q":"Is ABHA mandatory for treatment?","a":"ABDM materials describe ABHA as voluntary for those who wish to participate in the digital health ecosystem; care should not be denied solely for not having ABHA."}]


slug: nps-vatsalya
name: NPS Vatsalya (NPS for Minors)
short_name: NPS Vatsalya
ministry: Pension Fund Regulatory and Development Authority (PFRDA) / NPS Trust
category: social
benefit_type: other
audience_tags: ["citizen","woman"]
need_tags: ["pension","savings","social_security"]
apply_url: https://www.pfrda.org.in/schemes/national-pension-system/nps-vatsalya
source: central
last_verified_on: 2026-08-10 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://www.pfrda.org.in/documents/33652/153574/NPS+Vatsalya+Scheme+Guidelines+2025.pdf
lifecycle_status: active
summary:
  PFRDA contributory long-term savings/pension scheme for Indian minors (including NRI/OCI under 18): guardian-operated PRAN, minimum ₹250 opening and ₹250 per year, partial withdrawal and majority-exit rules as published.

benefit_text:
  From PFRDA NPS Vatsalya page / Scheme Guidelines 2025:

  • Individual pension account (PRAN) in the minor’s name, operated by parent/legal guardian until age 18.
  • Minimum contribution for account opening: ₹250; minimum annual contribution: ₹250; no maximum limit (PFRDA page and Guidelines §9).
  • Relatives/friends may gift contributions to the account (as stated).
  • Choice of CRA and Pension Fund from PFRDA-registered intermediaries; market-linked returns.
  • Partial withdrawal (after 3-year lock-in): up to 25% of contributions excluding returns, for education, specified illnesses, or disability >75%; max two withdrawals before 18 and two more between 18–21 (PFRDA table).
  • On attaining 18: options to continue till 21, shift to All Citizen / other applicable NPS model after KYC, or exit (full withdrawal if corpus < ₹8 lakh; if ≥ ₹8 lakh — up to 80% lumpsum and at least 20% annuity) as per PFRDA table.
  • If no option by 21: account auto-shifts to a higher-equity MSF variant and then follows standard NPS exit regulations (PFRDA).
  • Tax: PFRDA publishes a tax table (e.g. Section 80CCD(1B) deduction up to ₹50,000 under old regime for contributions by parent/guardian) — confirm current Income-tax law for your case.

  Charges follow All Citizen Model charges as stipulated by PFRDA from time to time.

documents:
  ["Minor date-of-birth proof (Birth Certificate \/ School Leaving \/ Matriculation \/ PAN \/ Passport as listed)","Guardian KYC (Aadhaar, DL, Passport, Voter ID, NREGA Job Card, or NPR documents as listed)","Guardian PAN or Form 60","Minor or joint bank account (optional for residents; mandatory NRE\/NRO for NRI\/OCI)","Court order if guardian is court-appointed"]

source_urls:
  ["https:\/\/www.pfrda.org.in\/schemes\/national-pension-system\/nps-vatsalya","https:\/\/www.pfrda.org.in\/documents\/33652\/153574\/NPS+Vatsalya+Scheme+Guidelines+2025.pdf","https:\/\/npstrust.org.in\/open-nps-vatsalya","https:\/\/npstrust.org.in\/about-nps-vatsalya"]

eligibility_text:
  PFRDA / Guidelines:
  • All Indian citizens aged below 18 years; NRI and OCI minors may also join.
  • Account opened and managed by parent or legal guardian on behalf of the minor; child is sole beneficiary.
  • Nominees are parent/guardian until the child turns 18 (as stated).

  HUFs / opening “on behalf of another adult” do not apply — this is a minor-only specific-purpose scheme.

how_to_apply:
  1. Read https://www.pfrda.org.in/schemes/national-pension-system/nps-vatsalya and the Guidelines 2025 PDF.
  2. Open online via eNPS (NPS Trust) or through a PFRDA-registered PoP (banks / India Post / etc.).
  3. Submit minor’s date-of-birth proof + guardian KYC + guardian PAN/Form 60; NRI/OCI: mandatory NRE/NRO bank details as listed.
  4. Choose CRA and Pension Fund; pay at least ₹250 to open; keep annual contribution ≥ ₹250.
  5. After the child turns 18, complete fresh KYC before further withdrawals/exit/shift as required.

  NPS Trust open page: https://npstrust.org.in/open-nps-vatsalya

about_text:
  NPS Vatsalya was announced in Union Budget 2024-25 and launched on 18.09.2024 as a specific-purpose NPS scheme for minors under the PFRDA Act. PFRDA issued NPS Vatsalya Scheme Guidelines 2025 (circular PFRDA/2026/02/NPS-Vatsalya/01 dated 07.01.2026) superseding the 18.09.2024 scheme-details circular.

  Official page: https://www.pfrda.org.in/schemes/national-pension-system/nps-vatsalya
  Guidelines PDF: https://www.pfrda.org.in/documents/33652/153574/NPS+Vatsalya+Scheme+Guidelines+2025.pdf
  Open via eNPS / PoPs: https://npstrust.org.in/open-nps-vatsalya

faqs:
  [{"q":"What is the minimum contribution?","a":"Official PFRDA page and Scheme Guidelines 2025: \u20b9250 to open and \u20b9250 minimum per year; no maximum."},{"q":"Who can open the account?","a":"Parent or legal guardian opens and operates the account for an Indian citizen (including NRI\/OCI) aged below 18; the minor is the sole beneficiary."}]


slug: pmkvy-40
name: Pradhan Mantri Kaushal Vikas Yojana 4.0 (PMKVY 4.0)
short_name: PMKVY 4.0
ministry: Ministry of Skill Development and Entrepreneurship (MSDE); NSDC support
category: skill
benefit_type: other
audience_tags: ["citizen","worker"]
need_tags: ["skill","other"]
apply_url: https://www.skillindiadigital.gov.in/pmkvy-landing
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://www.skillindiadigital.gov.in/pmkvy-landing
lifecycle_status: active
summary:
  Flagship short-term skilling under Skill India Programme: free NSQF-aligned Short-Term Training (STT) and Recognition of Prior Learning (RPL), with On-Job Training as mandated; register via Skill India Digital.

benefit_text:
  From PMKVY 4.0 Guidelines (MSDE / as published via SIDH Important Documents):

  • Short-Term Training (STT): NSQF-aligned courses typically 300–600 hours (higher duration allowed where industry demand requires); On-Job Training (OJT) is an inherent component as mandated by NCVET, duration depending on the job role.
  • Recognition of Prior Learning (RPL): assessment and certification for candidates with prior learning/skills (upskilling emphasis as stated).
  • Special Projects: for marginalised/vulnerable groups or future-skill job roles requiring special attention (as framed in guidelines).
  • Training is delivered through accredited/affiliated centres (PMKKs, PMKVY TCs, ITIs, Skill Hubs, industry partners, etc.).
  • Official training-provider materials commonly state training under PMKVY 4.0 is free of cost for eligible candidates — confirm the live batch on Skill India Digital / the training centre (do not pay agents for “PMKVY seats”).

  PMKVY does not guarantee a job placement; outcomes depend on training quality, local demand and the candidate’s effort.

documents:
  ["Aadhaar (guidelines require valid Aadhaar for eligibility framing)","Age \/ identity proofs as demanded by the Training Provider for the job role","Education \/ experience documents if required for the specific QP \/ RPL pathway","Bank account details if any stipend or incentive channel is enabled for that batch (confirm with the centre \u2014 not universal)"]

source_urls:
  ["https:\/\/www.skillindiadigital.gov.in\/pmkvy-landing","https:\/\/www.skillindiadigital.gov.in\/","https:\/\/sansad.in\/getFile\/lsapps\/loksabhaquestions\/annex\/188\/AU2523_KZWquZ.pdf"]

eligibility_text:
  From PMKVY 4.0 Guidelines – Target Group / Eligibility table:

  • STT / Special Projects age group: 15–45 years.
  • RPL age group: 18–59 years.
  • Indian nationals possessing valid Aadhaar and fulfilling eligibility criteria of the respective job role.
  • For RPL: prior experience in the job role as specified for that role.
  • Target framing includes candidates seeking fresh skilling, re-skill/upskill, out-of-education candidates, school/college dropouts or unemployed youth (STT); marginalised/vulnerable groups or future-skill focus (Special Projects); prior learners seeking certification (RPL).

  Batch availability, job-role prerequisites and geography vary — confirm on Skill India Digital before enrolling.

how_to_apply:
  1. Read current PMKVY 4.0 materials on Skill India Digital: https://www.skillindiadigital.gov.in/pmkvy-landing
  2. Register / create a candidate profile on Skill India Digital Hub and browse open PMKVY courses/centres.
  3. Complete enrolment with the selected Training Provider; attend as per AEBAS / attendance rules of the batch.
  4. Appear for assessment/certification as scheduled; keep certificates for job applications.

  Vedica does not enrol candidates in PMKVY batches.

about_text:
  PMKVY is MSDE’s flagship skill development scheme. PMKVY 4.0 is implemented under the umbrella Central Sector ‘Skill India Programme’. Official guidelines (22.09.2023) framed implementation for FY 2022–2026; Lok Sabha reply (AU2523, answered 03.08.2026) states PMKVY 4.0 is extended for two years beyond 31.03.2026.

  Official Skill India Digital Hub (SIDH) publishes the current PMKVY 4.0 guidelines and related SOPs under “Important Document/Guidelines”: https://www.skillindiadigital.gov.in/pmkvy-landing
  Candidate registration / offerings: https://www.skillindiadigital.gov.in/

  Note: an older static MSDE file path for the same guidelines PDF returned HTTP 404 as of verification on 14.08.2026 — use the SIDH download links on the PMKVY landing page.

faqs:
  [{"q":"Is PMKVY 4.0 still running after March 2026?","a":"Lok Sabha reply AU2523 (answered 03.08.2026) states PMKVY 4.0 is extended for two years beyond 31.03.2026. Confirm live batches on Skill India Digital."},{"q":"What is the age band?","a":"Official guidelines: STT\/Special Projects 15\u201345 years; RPL 18\u201359 years, with Aadhaar and job-role eligibility."}]


slug: nsap
name: National Social Assistance Programme (NSAP)
short_name: NSAP
ministry: Ministry of Rural Development
category: social
benefit_type: other
audience_tags: ["citizen","senior","woman","worker"]
need_tags: ["pension","income_support","social_security"]
apply_url: https://nsap.nic.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Centrally Sponsored social pensions and related assistance for eligible BPL households: IGNOAPS, IGNWPS, IGNDPS, NFBS and Annapurna — Central share as published; States/UTs may top up.

benefit_text:
  Central contribution amounts as published on nsap.nic.in (About / FAQ) and recent PIB explainers — States/UTs are encouraged to add top-ups; total pension therefore varies by State:

  • IGNOAPS: Central share ₹200 per month for BPL persons aged 60–79; ₹500 per month from age 80 onwards (nsap.nic.in / PIB PRID 2187327).
  • IGNWPS: MoRD About page states BPL widows in the eligible widow age band (historically 40–59, migrating to IGNOAPS thereafter as framed) receive a monthly pension — confirm the live Central/State amount on your State NSAP / social-welfare page before relying on a single figure.
  • IGNDPS: MoRD About page states BPL persons with severe/multiple disabilities in the eligible age band receive a monthly pension — confirm live State top-up and disability certification rules locally.
  • NFBS: one-time family benefit on death of the primary breadwinner in an eligible BPL household (amount and exact eligibility as per State/NSAP guidelines in force).
  • Annapurna: foodgrain support for eligible senior citizens who are entitled to old-age pension but are not receiving it (as described in NSAP materials).

  Always confirm the current Central + State package on the State portal / NSAP before applying.

documents:
  ["Age proof (for IGNOAPS \/ age-banded components)","BPL \/ State poverty-list \/ ration or SECC-linked proof as required by the State","Bank account and IFSC for DBT","Aadhaar (as mandated for DBT in the State)","Widow \/ disability certificates where applying under IGNWPS \/ IGNDPS","Death certificate and relationship proof for NFBS (as required by the State)"]

source_urls:
  ["https:\/\/nsap.nic.in\/","https:\/\/nsap.nic.in\/circular.do?method=faq","https:\/\/nsap.nic.in\/circular.do?method=aboutus","https:\/\/nsap.nic.in\/guidelines.html","https:\/\/www.pib.gov.in\/PressReleasePage.aspx?PRID=2187327"]

eligibility_text:
  Common framing across NSAP components (nsap.nic.in FAQ / About):

  • Beneficiary should belong to a household living below the poverty line as per criteria prescribed by the Government of India (States implement identification).
  • IGNOAPS: age 60 years or above (male or female); all such eligible persons in a BPL family may receive old-age pension (FAQ).
  • IGNWPS / IGNDPS: widow / disability-specific criteria and age bands as in MoRD guidelines; beneficiaries migrate to IGNOAPS when they cross the upper age limit framed for those components.
  • NFBS / Annapurna: separate family-death and foodgrain pathways as in guidelines.

  Enrolment is through the State/UT social-welfare / NSAP machinery (Gram Panchayat / Municipal / online as enabled) — not a single national self-serve “instant pension” form.

how_to_apply:
  1. Check your State/UT NSAP or social pension portal / office for the component you need (old age / widow / disability / family benefit / Annapurna).
  2. Submit application with BPL / SECC / State poverty list proof, age, and bank details as required locally; track on https://nsap.nic.in/ where State data is mirrored.
  3. Complete Aadhaar / KYC seeding as directed by the State for DBT.
  4. For grievances, use State grievance channels and NSAP help pathways published on the portal.

  Vedica does not sanction pensions.

about_text:
  NSAP was launched on 15 August 1995 and is implemented by the Ministry of Rural Development across rural and urban areas. Official FAQ: https://nsap.nic.in/circular.do?method=faq
  Guidelines index: https://nsap.nic.in/guidelines.html
  Portal: https://nsap.nic.in/

  Presently NSAP comprises five components: Indira Gandhi National Old Age Pension Scheme (IGNOAPS), Indira Gandhi National Widow Pension Scheme (IGNWPS), Indira Gandhi National Disability Pension Scheme (IGNDPS), National Family Benefit Scheme (NFBS), and Annapurna.

faqs:
  [{"q":"What is the Central IGNOAPS amount?","a":"Official nsap.nic.in \/ PIB: \u20b9200 per month (ages 60\u201379) and \u20b9500 per month (age 80+) as Central contribution; States may top up."},{"q":"Does NSAP pay the same amount in every State?","a":"No. MoRD\/PIB note that States\/UTs add top-ups, so the total pension varies widely \u2014 confirm your State package."}]


slug: pm-usp-csss
name: PM-USP Central Sector Scheme of Scholarship for College and University Students (CSSS)
short_name: PM-USP CSSS
ministry: Department of Higher Education, Ministry of Education
category: education
benefit_type: subsidy
audience_tags: ["citizen"]
need_tags: ["education","scholarship"]
apply_url: https://scholarships.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://csjmu.ac.in/wp-content/uploads/docs/2025/12/Guidelines_DOHE_CSSS-pm-usp.pdf
lifecycle_status: active
summary:
  Merit-cum-means Central scholarship via NSP: up to 82,000 fresh awards/year for eligible Class XII board toppers (≥80th percentile) with parental income ≤ ₹4.5 lakh, pursuing regular degree courses.

benefit_text:
  From PM-USP CSSS guidelines (AY 2022-23 onwards / FY 2022-23 rates):

  • Maximum 82,000 fresh scholarships per annum.
  • Rate: ₹12,000 per annum at Graduation level for the first three years; ₹20,000 per annum at Post-Graduation level.
  • Professional courses of five years / integrated: ₹20,000 p.a. in the 4th and 5th year.
  • Technical courses such as B.Tech / B.Engg: ₹12,000 p.a. for 1st–3rd year and ₹20,000 in the 4th year (graduation level only as stated).
  • 50% of scholarships earmarked for girls; stream allocation Humanities:Science:Commerce = 3:3:1 among State Board quotas (with interoperability rules if shortfall).
  • Paid by DBT into the student’s bank account; track via PFMS “Know Your Payment”.

  Note in guidelines: for AY 2021-22 fresh/renewal, the rate was ₹10,000 p.a. for the first three years even if released in FY 2022-23.

documents:
  ["Class XII marksheet \/ board result (for percentile\/merit)","Income certificate (fresh applicants; parental\/family income \u2264 \u20b94.5 lakh)","Caste \/ PwD certificates if claiming reserved category slots","Bonafide \/ enrolment proof from the college\/university","Student\u2019s bank account passbook \/ cancelled cheque","Aadhaar and DigiLocker credentials as used on NSP"]

source_urls:
  ["https:\/\/www.education.gov.in\/en\/scholarships_education_loan","https:\/\/scholarships.gov.in\/","https:\/\/csjmu.ac.in\/wp-content\/uploads\/docs\/2025\/12\/Guidelines_DOHE_CSSS-pm-usp.pdf"]

eligibility_text:
  Official guidelines:

  • Above 80th percentile of successful candidates in the relevant stream from the respective Class XII Board (10+2 or equivalent).
  • Pursuing regular degree courses (not correspondence/distance; not Diploma courses) at AICTE / concerned regulatory-body recognised colleges/institutions.
  • Not availing any other scholarship including State-run scholarship / fee waiver & reimbursement schemes.
  • Gross parental/family income up to ₹4.5 lakh per annum (income certificate required for fresh applicants).
  • Fresh and renewal applications only through NSP (www.scholarships.gov.in); applications sent directly to MoE are not accepted.
  • Renewal: at least 50% marks in annual examination and ≥75% attendance; indiscipline/ragging complaints can forfeit scholarship.
  • Central Reservation Policy applies to slot filling (15% SC, 7.5% ST, 27% OBC, 5% horizontal PwD as stated).

how_to_apply:
  1. When NSP opens for the academic year, register/login at https://scholarships.gov.in/
  2. Apply for PM-USP – Central Sector Scheme of Scholarship for College and University Students (fresh or renewal as applicable).
  3. Upload / DigiLocker-verify credentials; ensure institute AISHE code is valid if changing college.
  4. Track institute (L1) and State (L2) verification timelines published on NSP.
  5. Scholarship credits to the student’s own bank account via DBT after selection.

  Do not pay agents for “NSP selection”.

about_text:
  PM-USP CSSS is a component of Pradhan Mantri Uchchatar Shiksha Protsahan (PM-USP) Yojana. Guidelines applicable from academic year 2022-23 onwards (Department of Higher Education).

  MoE scholarships overview: https://www.education.gov.in/en/scholarships_education_loan
  Apply only on National Scholarships Portal: https://scholarships.gov.in/
  Guidelines text (MoE CSSS / PM-USP): mirrored working PDF used for verification — https://csjmu.ac.in/wp-content/uploads/docs/2025/12/Guidelines_DOHE_CSSS-pm-usp.pdf (same MoE guideline body as indexed on education.gov.in).

faqs:
  [{"q":"What is the income limit?","a":"Official PM-USP CSSS guidelines: gross parental\/family income up to \u20b94.5 lakh per annum for eligibility (income certificate for fresh applicants)."},{"q":"Where must I apply?","a":"Only on the National Scholarships Portal (www.scholarships.gov.in). Direct applications to the Ministry are not accepted."}]


slug: pm-vidyalaxmi
name: Pradhan Mantri Vidyalaxmi (PM-Vidyalaxmi)
short_name: PM-Vidyalaxmi
ministry: Department of Higher Education, Ministry of Education
category: education
benefit_type: loan
audience_tags: ["citizen"]
need_tags: ["education","loan"]
apply_url: https://pmvidyalaxmi.co.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://static.investindia.gov.in/s3fs-public/2025-03/pm_vidyalaxmi_scheme_guidelines.pdf
lifecycle_status: active
summary:
  Central Sector collateral-free, guarantor-free education loans for students admitted on merit to notified Quality HEIs; 75% credit guarantee on loans ≤ ₹7.5 lakh; 3% interest subvention (capped) for family income ≤ ₹8 lakh on loans up to ₹10 lakh during moratorium.

benefit_text:
  From PM-Vidyalaxmi Scheme Guidelines (DHE, 19.11.2024):

  • Collateral-free and guarantor-free education loan for students admitted on their own merit to Quality Higher Education Institutions (QHEIs) in India (management-quota admissions not eligible).
  • No ceiling on the highest loan amount — driven by QHEI fees and associated expenses (mess, hostel, reasonable laptop, living expenses) as described; banks appraise as per product norms.
  • Credit guarantee: when sanction amount is up to ₹7.5 lakh, 75% of outstanding default is covered by Government (via PM-USP CGFSEL / NCGTC framing in guidelines), irrespective of family income.
  • Interest subvention under PM-Vidyalaxmi: 3% on interest accrued during moratorium (course period + 1 year) for loans up to ₹10 lakh where annual family income is up to ₹8 lakh; if loan > ₹10 lakh, subvention applies only on principal up to ₹10 lakh. Cap of one lakh fresh interest-subvention beneficiaries per year with sequential selection rules (§7).
  • Complements PM-USP CSIS (full interest subvention during moratorium for technical/professional courses where family income ≤ ₹4.5 lakh at approved institutions — see CSIS rules separately).
  • Interest rate capped at bank EBLR + 0.5%, and must be lower than the bank’s non–PM-Vidyalaxmi education-loan rate (guidelines).
  • Repayment up to 15 years excluding moratorium (course + 1 year), aligned with IBA Model Education Loan Scheme.
  • Interest subvention and credit guarantee under this Scheme admissible only once (UG or PG or integrated); not available if availing another Central/State scholarship, interest subvention or fee reimbursement.

documents:
  ["Student KYC \u2014 Aadhaar, PAN, address proof","Previous qualifying marksheets (self-attested)","Entrance exam result (where applicable)","Offer letter from the QHEI with fee structure","Income proof from designated public authority of the State (for interest subvention) or HEI Annexure-6 certificate if already verified at admission"]

source_urls:
  ["https:\/\/static.investindia.gov.in\/s3fs-public\/2025-03\/pm_vidyalaxmi_scheme_guidelines.pdf","https:\/\/pmvidyalaxmi.co.in\/","https:\/\/www.pib.gov.in\/PressReleasePage.aspx?PRID=2071131"]

eligibility_text:
  Guidelines:

  • Admission on merit / open competitive examination to a QHEI on the DHE list (NIRF-based + remaining Central Government HEIs as defined in §6; list updated yearly — 860 institutes for 2024-25 annexure).
  • Students of all family income groups may take the collateral-free loan product; income proof is required for interest-subvention claims.
  • Family for income: student + father & mother + spouse where applicable (§11).
  • All graduation/post-graduation degree and diploma courses of QHEIs are eligible (§12).
  • Indian HEIs / study in India only; foreign campuses / foreign institutions not covered.
  • Not eligible: management-quota (or similar) admissions; midstream discontinuation / expulsion (medical carve-out as stated).

  Final sanction remains the bank’s credit decision.

how_to_apply:
  1. Confirm your institute is on the current QHEI list for PM-Vidyalaxmi.
  2. Apply digitally on https://pmvidyalaxmi.co.in/ (unified portal for loan + interest subvention; Canara Bank is nodal for the portal as per guidelines).
  3. Submit KYC, offer letter/fee structure, marksheets, entrance result, and income certificate from designated State public authority (or HEI certificate if already verified at admission — Annexure 6).
  4. After bank sanction/disbursement, bank updates the portal; follow portal steps for interest-subvention claim if eligible.

  Vedica does not process education loans.

about_text:
  Union Cabinet approved PM-Vidyalaxmi on 06.11.2024. Scheme guidelines dated 19.11.2024 apply to education loans taken after 06.11.2024.

  Guidelines PDF: https://static.investindia.gov.in/s3fs-public/2025-03/pm_vidyalaxmi_scheme_guidelines.pdf
  Unified portal: https://pmvidyalaxmi.co.in/
  PIB Cabinet note: https://www.pib.gov.in/PressReleasePage.aspx?PRID=2071131

faqs:
  [{"q":"Is collateral required?","a":"Official guidelines introduce a special collateral-free and guarantor-free education loan product for eligible QHEI admissions."},{"q":"Who gets 3% interest subvention?","a":"Guidelines: annual family income up to \u20b98 lakh; 3% on interest during moratorium for education loan principal up to \u20b910 lakh, subject to the yearly beneficiary cap and selection rules."}]


slug: pm-poshan
name: Pradhan Mantri Poshan Shakti Nirman (PM POSHAN)
short_name: PM POSHAN
ministry: Department of School Education & Literacy, Ministry of Education
category: social
benefit_type: other
audience_tags: ["citizen"]
need_tags: ["other","social_security"]
apply_url: https://pmposhan.education.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://pmposhan.education.gov.in/Files/Guidelines/2023/Guidelines%20on%20PM%20POSHAN%20SCHEME.pdf
lifecycle_status: confirm_live
summary:
  Rights-based Centrally Sponsored hot cooked mid-day meal for children in Balvatika and Classes I–VIII in Government and Government-aided schools (and notified NCLP schools), meeting NFSA nutritional standards.

benefit_text:
  From PM POSHAN Guidelines (Dec 2022) / NFSA Schedule II framing in the guidelines:

  • One hot cooked meal on all school days for eligible enrolled children (except holidays).
  • Nutritional norms cited: primary / Balvatika — 450 calories and 12 g protein; upper primary — 700 calories and 20 g protein.
  • Food basket norms in guidelines: Balvatika & primary — 100 g foodgrain, 20 g pulses, 50 g vegetables, 5 g oil/fat per child per day; upper primary — 150 g foodgrain, 30 g pulses, 75 g vegetables, 7.5 g oil/fat.
  • Foodgrain cost borne by the Central Government as framed (guidelines cite NFSA issue prices such as ₹3/kg rice, ₹2/kg wheat, ₹1/kg coarse grains — confirm live DFPD rates).
  • Material (cooking) cost is revised periodically by MoE letters (e.g. revisions notified for Dec 2024 / May 2025 on the portal’s latest updates) — States share material cost as per CSS funding pattern; do not treat an old cooking-cost figure as permanent.

  This is a school entitlement, not a household cash DBT.

documents:
  ["School enrolment \/ attendance (managed by the school \u2014 no separate Central meal form for parents)","Any State-specific child ID \/ UDISE+ linkage the school already maintains"]

source_urls:
  ["https:\/\/pmposhan.education.gov.in\/","https:\/\/pmposhan.education.gov.in\/Files\/Guidelines\/2023\/Guidelines%20on%20PM%20POSHAN%20SCHEME.pdf","https:\/\/pmposhan.education.gov.in\/guideline.html","https:\/\/pmposhan.education.gov.in\/latest_update.html"]

eligibility_text:
  Guidelines coverage:

  • Children enrolled in Balvatika (just before Class I) in Government and Government-aided primary schools and attending school.
  • Children in Classes I–V and VI–VIII in Government and Government-aided schools attending school.
  • Children in Classes I–V in National Child Labour Project (NCLP) schools attending school.

  Entitlement is through the school on school days — families do not file a separate Central “PM POSHAN application” for the meal. Private-school students outside the covered categories are not entitled under these guidelines.

how_to_apply:
  1. Enrol the child in a covered Government / Government-aided school (or notified NCLP school) under the State education system.
  2. Ensure regular attendance on school days; the meal is served at school as per State menu / PM POSHAN norms.
  3. For quality/safety grievances, use the school SMC / State education / PM POSHAN grievance channels published by the State.
  4. Confirm continuation status after any FC-cycle transition on https://pmposhan.education.gov.in/ or with the State nodal department.

  Vedica does not run kitchens or enrol schools.

about_text:
  PM POSHAN (earlier Mid-Day Meal) is a Centrally Sponsored Scheme implemented with States/UTs. Guidelines issued 21.12.2022.

  Guidelines PDF: https://pmposhan.education.gov.in/Files/Guidelines/2023/Guidelines%20on%20PM%20POSHAN%20SCHEME.pdf
  Portal: https://pmposhan.education.gov.in/

  Cabinet had approved the scheme for 2021-22 to 2025-26. MoE/Finance temporary extension materials (Apr 2026 reporting) state continuation up to 30.09.2026 or until 16th Finance Commission cycle approval, whichever is earlier, under existing norms — confirm live status with your State education department / pmposhan.education.gov.in before relying on post–Sept 2026 entitlements.

faqs:
  [{"q":"Who gets the mid-day meal?","a":"Guidelines: children in Balvatika and Classes I\u2013VIII in Government and Government-aided schools (and notified NCLP primary classes) who attend on school days."},{"q":"Is the scheme confirmed beyond March 2026?","a":"The 2021\u201326 Cabinet cycle ended 31.03.2026; MoE\/Finance temporary extension reporting covers up to 30.09.2026 or 16th FC approval, whichever earlier. Confirm live status with your State \/ pmposhan.education.gov.in."}]


slug: pm-usp-csis
name: PM-USP Central Sector Interest Subsidy (CSIS)
short_name: PM-USP CSIS
ministry: Department of Higher Education, Ministry of Education
category: education
benefit_type: subsidy
audience_tags: ["student","citizen"]
need_tags: ["education","loan","subsidy"]
apply_url: https://www.education.gov.in/en/scholarships_education_loan
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://www.canarabank.bank.in/documents/d/guest/csis-guideline-01-04-2022
lifecycle_status: active
summary:
  Full interest subsidy during the education-loan moratorium (course period + one year) for eligible students with parental/family income up to ₹4.5 lakh pursuing professional/technical courses in India under the IBA Model Education Loan Scheme.

benefit_text:
  From PM-USP CSIS Guidelines (loans w.e.f. 01.04.2022):

  • Full interest subsidy during the moratorium period (course period + one year) on eligible education loans under the IBA Model Education Loan Scheme, at simple interest, subject to successful course completion as framed.
  • Interest subsidy is admissible on education loan principal up to a maximum of ₹10 lakh (even if the sanctioned loan is higher, subsidy qualifies only up to ₹10 lakh).
  • After moratorium, interest on the outstanding loan is payable by the student as per the bank’s IBA Model Education Loan Scheme terms.
  • For education loans sanctioned up to ₹7.5 lakh, no collateral security or third-party guarantee is required under these guidelines; the lending bank is to ensure that part is covered under CGFSEL (Credit Guarantee Fund Scheme for Education Loans) as stated.
  • Admissible only once — either for undergraduate or postgraduate or integrated course (as framed).
  • Canara Bank is the Nodal Bank; lending banks claim subsidy — students do not apply separately to MoE for the subsidy after the loan is covered.

documents:
  ["Gross parental \/ family income certificate from the State-authorised public authority (ceiling \u20b94.5 lakh p.a.)","Education loan sanction \/ account details under IBA Model Education Loan Scheme","Proof of enrolment in an eligible professional \/ technical course and institution accreditation \/ regulatory approval papers as demanded by the bank","KYC and other documents required by the lending bank","Aadhaar \/ bank account details as required for DBT of subsidy into the loan account"]

source_urls:
  ["https:\/\/www.canarabank.bank.in\/documents\/d\/guest\/csis-guideline-01-04-2022","https:\/\/www.education.gov.in\/en\/scholarships_education_loan","https:\/\/canarabank.com\/pages\/CSIS-for-Education-Loans-for-Inland-Studies","https:\/\/pmvidyalaxmi.co.in\/"]

eligibility_text:
  From PM-USP CSIS Guidelines (w.e.f. 01.04.2022):

  • Education loan taken under the IBA Model Education Loan Scheme from scheduled banks / RRBs / co-operative banks adopting the scheme.
  • Gross parental / family income up to ₹4.5 lakh per annum from all sources (income proof from authorised State public authority).
  • Enrolled in professional / technical courses in India from NAAC-accredited institutions, or NBA-accredited professional/technical programmes, or Institutions of National Importance, or Centrally Funded Technical Institutions (CFTIs); programmes outside NAAC/NBA ambit need respective regulatory-body approval as framed.
  • Subsidy only once for UG or PG or integrated course.
  • Not eligible if already availing any other Central / State Government scholarship or fee reimbursement.
  • Not available if the student discontinues midstream or is expelled on disciplinary/academic grounds (medical discontinuation with institutional documentation may still qualify as framed).

  Confirm with the lending bank that the account is claimed under CSIS; MoE/Canara pages also reference pmvidyalaxmi.co.in for related education-loan journeys.

how_to_apply:
  1. Read MoE CSIS framing: https://www.education.gov.in/en/scholarships_education_loan and the guidelines PDF hosted by Canara Bank (nodal bank).
  2. Take / maintain an IBA Model education loan from a participating bank for an eligible professional/technical course in India.
  3. Submit income certificate and course/institution papers demanded by the bank so it can mark the account for CSIS.
  4. The lending bank claims interest subsidy via Canara Bank (nodal); track with your branch / Canara CSIS portals linked from the MoE page.
  5. Related education-loan applications may also use https://pmvidyalaxmi.co.in/ as referenced on MoE pages — confirm which product (CSIS vs PM-Vidyalaxmi) applies to your case.

  Vedica does not claim interest subsidy or process education loans.

about_text:
  PM-USP CSIS (Central Sector Interest Subsidy) is a Ministry of Education scheme under Pradhan Mantri Uchchatar Shiksha Protsahan Yojana. Modified guidelines (Cabinet approval 19.01.2022) apply to education loans taken w.e.f. 01.04.2022 / academic year 2022–23.

  Official guidelines (Canara Bank nodal hosting; verified HTTP 200 on 14.08.2026): https://www.canarabank.bank.in/documents/d/guest/csis-guideline-01-04-2022
  MoE education-loan / scholarship page: https://www.education.gov.in/en/scholarships_education_loan
  Canara Bank CSIS information page: https://canarabank.com/pages/CSIS-for-Education-Loans-for-Inland-Studies

  Note: older static paths on education.gov.in and canarabank.com UploadedFiles returned HTTP 404 as of 14.08.2026 — use the Canara Bank document URL above or the MoE scholarships page links.

faqs:
  [{"q":"Is the full loan interest-free forever?","a":"No. Guidelines provide full interest subsidy only during the moratorium (course period + one year). After that, the student pays interest as per the bank\u2019s education-loan terms."},{"q":"What is the income ceiling?","a":"Gross parental \/ family income up to \u20b94.5 lakh per annum from all sources, with income proof from the authorised State authority."}]


slug: pm-daksh
name: Pradhan Mantri Dakshata Aur Kushalata Sampann Hitgrahi (PM-DAKSH) Yojana
short_name: PM-DAKSH
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: skill
benefit_type: other
audience_tags: ["citizen","sc","obc","artisan"]
need_tags: ["skill","training","employment"]
apply_url: https://pmdaksh.dosje.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/18471740842436.pdf
lifecycle_status: confirm_live
summary:
  DoSJE skill-development scheme for SC / OBC / EWS / DNT / Safai Mitras (including waste pickers): RPL upskilling, short-term wage/self-employment courses and entrepreneurial development programmes, with stipend norms published in the guidelines.

benefit_text:
  From PM-DAKSH Guidelines (DoSJE):

  • Up-skilling / Re-skilling under RPL (primarily Safai Mitras including waste pickers): training ~35 hours; stipend @ ₹500 per person towards wage-loss compensation for the RPL upskilling/reskilling duration as framed.
  • Short-Term Courses (focus on wage/self-employment): duration less than 1,200 hours as per NOS/QPs; for non-residential programmes, stipend @ ₹1,500 per month for SC candidates, ₹1,000 per month for OBC/EWS/DNT, and ₹1,500 per month for sanitation workers including waste pickers and their dependents; residential programmes provide boarding/lodging within Common Cost Norms (no separate stipend except ₹500/month for Safai Mitras, waste pickers & dependents as framed).
  • Entrepreneurial Development Programmes (EDP) for SC/EWS/OBC/DNT youth with entrepreneurial inclination (via NIESBUD / IIE or similar as framed).
  • Training cost limited to MSDE Common Cost Norms / NSQF job-role norms as applicable.
  • Stipend eligibility commonly tied to attendance (guidelines cite >70% attendance for stipend) — confirm live batch rules on the portal / training centre.

  This is skill training with stipend norms — not a cash entitlement outside a selected batch.

documents:
  ["Aadhaar card (and Aadhaar-linked mobile for OTP)","Aadhaar-linked bank account details for stipend DBT","Caste \/ community certificate (SC \/ OBC \/ DNT \/ Safai Mitra category as applicable)","Income certificate (required for OBC \/ EWS \u2014 family income below \u20b93 lakh p.a.)","Any job-role specific educational \/ experience papers demanded by the training centre"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/18471740842436.pdf","https:\/\/pmdaksh.dosje.gov.in\/","https:\/\/www.skillindiadigital.gov.in\/"]

eligibility_text:
  From PM-DAKSH Guidelines – Eligibility Criteria:

  • Applicable to SC / OBC / EWS / DNT / Safai Mitras including waste pickers who are Indian nationals.
  • Age between 18–45 years.
  • Annual family income below ₹3.00 lakh for OBC and EWS candidates; no income limit for SC / DNT / Safai Mitras including waste pickers.
  • Aadhaar and Aadhaar-linked bank account (exemptions / handholding where Aadhaar is not fully implemented, as framed).
  • Must fulfil other criteria for the respective job roles as approved by NCVET or other regulators (e.g. AICTE) as applicable.
  • Eligible candidates register on Skill India Digital Hub; profile verification via mobile OTP (e-KYC).

  Batch, trade and centre availability vary — confirm on https://pmdaksh.dosje.gov.in/ and SIDH when the registration window is open.

how_to_apply:
  1. Read the DoSJE PM-DAKSH guidelines PDF and check live status on https://pmdaksh.dosje.gov.in/
  2. When the registration window is open, register as a candidate (Aadhaar OTP / portal steps) and complete SIDH registration as required by the guidelines.
  3. Select an appropriate course / training centre through counselling on SIDH / the PM-DAKSH portal.
  4. Attend training with AEBAS / attendance rules of the batch; stipend (if eligible) is routed through PFMS/DBT as framed.
  5. For queries, the portal has published toll-free contact (e.g. 1800110396) — confirm the number shown on the live site.

  Vedica does not enrol candidates or pay stipends.

about_text:
  PM-DAKSH Yojana is implemented by the Department of Social Justice and Empowerment to improve skill levels and employability of its target groups through short-term skill training and engagement in wage/self-employment.

  Guidelines PDF (DoSJE; verified HTTP 200 on 14.08.2026): https://socialjustice.gov.in/writereaddata/UploadFile/18471740842436.pdf
  Candidate / training portal: https://pmdaksh.dosje.gov.in/
  Guidelines also require eligible candidates to register on Skill India Digital Hub (SIDH).

  Portal note (as of verification): the official PM-DAKSH site has displayed “Registration window would open shortly” messaging — confirm the live registration / batch window on the portal before travelling or paying anyone. Do not pay agents for “PM-DAKSH seats”.

faqs:
  [{"q":"Is training free?","a":"Guidelines frame training cost under Common Cost Norms borne under the scheme for selected batches; candidates should not pay agents for seats. Confirm the live batch on the official portal."},{"q":"What stipend do OBC candidates get in short-term non-residential courses?","a":"Guidelines: \u20b91,000 per month for OBC\/EWS\/DNT in non-residential short-term courses (subject to attendance and batch rules)."}]


slug: poshan-20
name: Mission Saksham Anganwadi and Poshan 2.0
short_name: Poshan 2.0
ministry: Ministry of Women and Child Development
category: social
benefit_type: other
audience_tags: ["citizen","woman","child"]
need_tags: ["nutrition","social_security","other"]
apply_url: https://www.spniwcd.wcd.gov.in/mission-saksham-anganwadi-and-poshan-2-0/documents
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: confirm_live
summary:
  Integrated nutrition support through Anganwadi Services: supplementary nutrition (THR / hot cooked meal / morning snacks), ECCE and related services for children 0–6 years, pregnant and lactating mothers, and adolescent girls (14–18) in notified areas.

benefit_text:
  From Mission Saksham Anganwadi and Poshan 2.0 Guidelines:

  • Supplementary Nutrition for a minimum of 300 days in a calendar year (about 25 days/month) for registered beneficiaries.
  • Children 3–6 years: morning snacks and Hot Cooked Meal (HCM) at the Anganwadi.
  • Pregnant women & lactating mothers, children 6–36 months, SAM children, and adolescent girls 14–18 years (wherever applicable): Take-Home Ration (THR); THR must not be raw ration (wheat/rice/dal as-is); States may provide HCM in lieu of THR except SAM children who must receive additional nutrition as THR.
  • THR distribution twice a month (preferably 1st and 15th) for categories not expected to visit daily.
  • Nutritional norms table in guidelines (note: guidelines also say norms are under revision): children 6–72 months — 500 kcal & 12–15 g protein; severely malnourished children — 800 kcal & 20–25 g protein; pregnant & nursing mothers — 600 kcal & 18–20 g protein; adolescent girls 14–18 — 600 kcal & 18–20 g protein.
  • Cost norms cited for SNP (per beneficiary per day): children ₹8; severely malnourished children ₹12; PW&LM ₹9.50; adolescent girls (Aspirational Districts & NE States) ₹9.50 — confirm live State rates / revisions.
  • ECCE / preschool activities for children under six; Poshan Tracker monitoring; Community Based Events twice/month with support @ ₹250 each as framed.

  This is an Anganwadi entitlement, not a household cash DBT for most SNP components.

documents:
  ["Proof of identity \/ address for the mother or guardian (as demanded by the Anganwadi \/ State)","Child\u2019s age proof \/ birth record (as demanded locally)","Aadhaar (mandatory for adolescent girls under SAG as framed; commonly used for other beneficiaries)","Pregnancy \/ MCP card details where relevant for PW&LM registration"]

official_pdf_url:
  https://www.spniwcd.wcd.gov.in/uploads/pdf/Mission%20Saksham%20Anganwadi%20and%20Poshan%202.0%20scheme%20guidelines.pdf

source_urls:
  ["https:\/\/www.spniwcd.wcd.gov.in\/uploads\/pdf\/Mission%20Saksham%20Anganwadi%20and%20Poshan%202.0%20scheme%20guidelines.pdf","https:\/\/cdnbbsr.s3waas.gov.in\/s34c144c47ecba6f8318128703ca9e2601\/uploads\/2024\/12\/202412111663461918.pdf","https:\/\/www.spniwcd.wcd.gov.in\/mission-saksham-anganwadi-and-poshan-2-0\/documents","https:\/\/wcd.gov.in\/"]

eligibility_text:
  Guidelines beneficiary framing:

  • Children in the age group 0–6 years (SNP focuses on 6 months–6 years as mandated under NFSA framing in the guidelines).
  • Pregnant women and lactating mothers (lactating mothers up to 6 months after childbirth under NFSA framing cited).
  • Adolescent girls 14–18 years under the revised Scheme for Adolescent Girls component in Aspirational Districts of States including Assam and North-Eastern States (Aadhaar required for SAG as framed).
  • Beneficiaries must be registered at the Anganwadi Centre; only registered beneficiaries receive Supplementary Nutrition.

  Families do not file a separate Central “Poshan 2.0 cash application” for SNP — register / update at the local Anganwadi / through State Poshan Tracker processes.

how_to_apply:
  1. Contact the Anganwadi Worker at your local Anganwadi Centre for registration of the eligible child / pregnant or lactating mother / adolescent girl (where SAG applies).
  2. Carry identity and age proofs demanded locally (Aadhaar is required for SAG adolescent-girl benefits as framed).
  3. Collect THR on notified distribution days or attend for HCM / morning snacks as per the child’s age category.
  4. For grievances or missed entitlement, escalate via the CDPOs / State WCD / Poshan Tracker grievance channels published by the State.
  5. Confirm FC-cycle continuation status with State WCD after any national transition.

  Vedica does not run Anganwadis or distribute THR.

about_text:
  Mission Saksham Anganwadi and Poshan 2.0 is MWCD’s integrated nutrition support programme delivered primarily through Anganwadi Centres, including Early Childhood Care and Education (ECCE).

  Scheme guidelines PDF (SPNIWCD / MWCD hosting; verified HTTP 200 on 14.08.2026): https://www.spniwcd.wcd.gov.in/uploads/pdf/Mission%20Saksham%20Anganwadi%20and%20Poshan%202.0%20scheme%20guidelines.pdf
  Alternate official upload (CDN; also HTTP 200): https://cdnbbsr.s3waas.gov.in/s34c144c47ecba6f8318128703ca9e2601/uploads/2024/12/202412111663461918.pdf
  Documents hub: https://www.spniwcd.wcd.gov.in/mission-saksham-anganwadi-and-poshan-2-0/documents

  Guidelines state Anganwadi Services under Poshan 2.0 were approved for the 15th Finance Commission period 2021–22 to 2025–26. Confirm live continuation / 16th FC framing with your State WCD department and Poshan Tracker / SPNIWCD materials before relying on post–FC-cycle entitlements.

faqs:
  [{"q":"Do I get cash under Poshan 2.0?","a":"Core SNP is food entitlement (THR \/ hot cooked meal \/ snacks) at or via the Anganwadi for registered beneficiaries \u2014 not a general household cash transfer."},{"q":"Is Poshan 2.0 confirmed after March 2026?","a":"Guidelines approved Anganwadi Services under Poshan 2.0 for 2021\u201322 to 2025\u201326 (15th FC). Confirm live continuation with your State WCD \/ SPNIWCD materials."}]


slug: palna
name: Palna (National Crèche) — Mission Shakti (Samarthya)
short_name: Palna
ministry: Ministry of Women and Child Development
category: women
benefit_type: other
audience_tags: ["woman","citizen","child"]
need_tags: ["childcare","women","other"]
apply_url: https://missionshakti.wcd.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://missionshakti.wcd.gov.in/public/documents/whatsnew/Mission_Shakti_Guidelines.pdf
lifecycle_status: confirm_live
summary:
  Centrally Sponsored day-care / crèche facilities for children aged 6 months to 6 years under Mission Shakti’s Samarthya sub-scheme, via Standalone Crèches and Anganwadi-cum-Crèches (AWCCs), open to mothers irrespective of employment status.

benefit_text:
  From Mission Shakti Guidelines / PIB Palna note:

  • Day-care crèche for children aged 6 months to 6 years in a safe environment supporting nutrition, health and cognitive development; ideally not more than 25 children per facility.
  • Two models: Standalone Crèches and Anganwadi-cum-Crèches (AWCCs) layered on Anganwadi infrastructure (extra Crèche Worker + Helper posts as framed).
  • Crèches open 26 days a month for 7.5 hours/day as per majority mothers’ work schedule; timings may be flexible by State/UT local need.
  • Food for children aligned with Mission Poshan 2.0 / mid-day meal nutritional framing — typically three feeds across the 7.5-hour stay (morning snack, noon hot cooked meal, afternoon snack) as described in Mission Shakti guidelines.
  • Objective includes enabling women workforce participation; facilities are for all mothers irrespective of employment status (policy shift noted in guidelines).
  • Also frames monitoring of Maternity Benefit Act Section 11A crèche obligations for establishments.

  This is a service entitlement at an approved crèche — not a Central cash DBT to parents.

documents:
  ["Child\u2019s age \/ birth proof (6 months to 6 years)","Guardian \/ mother identity and address proof as demanded by the State \/ cr\u00e8che","Any local enrolment form prescribed by the District WCD \/ implementing NGO","Immunisation \/ health card if demanded locally"]

source_urls:
  ["https:\/\/missionshakti.wcd.gov.in\/public\/documents\/whatsnew\/Mission_Shakti_Guidelines.pdf","https:\/\/static.pib.gov.in\/WriteReadData\/specificdocs\/documents\/2025\/apr\/doc202547535701.pdf","https:\/\/www.pib.gov.in\/PressReleasePage.aspx?PRID=2119769","https:\/\/wcd.gov.in\/"]

eligibility_text:
  Mission Shakti / Palna framing:

  • Children aged 6 months to 6 years.
  • Mothers may avail facilities irrespective of employment status (as stated in Mission Shakti Palna objectives).
  • Admission / slots are managed by the State/UT / implementing agency at Standalone Crèches or AWCCs — capacity is limited (guideline ideal max ~25 children per crèche).

  Parents do not apply on a single Central “Palna portal” for every State; approach the local Anganwadi-cum-Crèche / Standalone Crèche / District WCD office listed by the State.

how_to_apply:
  1. Ask the Anganwadi Worker / District Women & Child Development office whether an AWCC or Standalone Palna crèche operates near you.
  2. Complete local enrolment for the child (age proof, guardian ID, any State form).
  3. Follow the crèche’s timing, attendance and feeding schedule; breastfeeding mothers should prefer walkable locations as guidelines recommend.
  4. For establishment-mandated crèches under the Maternity Benefit Act, use State Labour / WCD channels described by your State — Palna guidelines envisage State portals for compliance reporting.
  5. Confirm continuation / seat availability after any Mission Shakti FC-cycle transition with State WCD.

  Vedica does not run crèches or allot seats.

about_text:
  In 2022, the erstwhile National Crèche Scheme was reorganised as Palna under the Samarthya sub-scheme of Mission Shakti (MWCD). It is Centrally Sponsored with Centre–State funding typically 60:40 (90:10 for North East & Special Category States; 100% Central for UTs without legislature).

  Mission Shakti Guidelines PDF (verified HTTP 200 on 14.08.2026): https://missionshakti.wcd.gov.in/public/documents/whatsnew/Mission_Shakti_Guidelines.pdf
  PIB scheme note on Palna (Apr 2025 specific document; HTTP 200): https://static.pib.gov.in/WriteReadData/specificdocs/documents/2025/apr/doc202547535701.pdf

  Mission Shakti was framed for the 15th FC period 2021–22 to 2025–26; Parliamentary / PIB materials through 2025–2026 continue to report operational AWCCs and Standalone Crèches — confirm live status with your State WCD / District administration after any FC-cycle transition.

faqs:
  [{"q":"Is Palna only for working mothers?","a":"Mission Shakti guidelines state the objective is to provide cr\u00e8che facility to all mothers, irrespective of employment status."},{"q":"What ages are covered?","a":"Children from 6 months to 6 years, with an ideal maximum of about 25 children per cr\u00e8che facility."}]


slug: one-stop-centre
name: One Stop Centre (Sakhi) — Mission Shakti (Sambal)
short_name: One Stop Centre
ministry: Ministry of Women and Child Development
category: women
benefit_type: other
audience_tags: ["woman","citizen"]
need_tags: ["safety","legal_aid","other"]
apply_url: https://missionshakti.wcd.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://missionshakti.wcd.gov.in/public/documents/whatsnew/Mission_Shakti_Guidelines.pdf
lifecycle_status: confirm_live
summary:
  District-level integrated support for women affected by violence or in distress — medical aid, legal aid, temporary shelter, police facilitation, and psycho-social counselling under one roof, linked with Women Helpline 181.

benefit_text:
  From Mission Shakti Guidelines (OSC component):

  • Integrated support under one roof for women affected by violence and in distress (private or public spaces): medical assistance, legal aid, temporary shelter, police facilitation, and psychological / counselling support.
  • Temporary shelter at the OSC for needy women (with accompanying children — girls of all ages and boys up to 12 years) for a maximum of 5 days, at the Centre Administrator’s discretion; longer-term shelter coordinated with Shakti Sadan.
  • Forward linkages to empanelled psycho-social / legal counsellors and to government schemes via State/District hubs.
  • Coordination with Women Helpline 181, AHTUs, Women Help Desks, FTSCs, DLSA and other Nirbhaya Fund initiatives.
  • Girls below 18 referred to the Centre are served in coordination with JJ Act / POCSO authorities as framed.

  This is an emergency / support service — not a cash transfer scheme.

documents:
  ["No mandatory Central document pack to \u201capply\u201d \u2014 services are needs-based","Any available identity proof (helpful but guidelines prioritise immediate assistance)","Medical records, FIR \/ complaint papers, or court documents if already available","For accompanying children: age-related details as relevant for shelter rules"]

source_urls:
  ["https:\/\/missionshakti.wcd.gov.in\/public\/documents\/whatsnew\/Mission_Shakti_Guidelines.pdf","https:\/\/wcd.gov.in\/","https:\/\/www.pib.gov.in\/"]

eligibility_text:
  Guidelines framing:

  • Women affected by violence or in distress (private or public spaces) seeking emergency or non-emergency support.
  • Accompanying children may avail facilities as framed (girls of any age; boys up to 12 years for temporary shelter context).
  • No income ceiling is stated for accessing OSC services in the Mission Shakti OSC section summarised here.

  Access is through the district OSC, Women Helpline 181, police / medical referral, or ERSS 112 linkage — not via a competitive Central “application form”.

how_to_apply:
  1. Call Women Helpline 181 for guidance and linkage to the nearest One Stop Centre, or dial 112 for emergencies as framed.
  2. Walk into the district One Stop Centre (Sakhi) / ask police Women Help Desk / hospital staff to facilitate referral.
  3. Share what support you need (medical, police, legal, shelter, counselling); the Centre Administrator coordinates services.
  4. For longer shelter needs beyond the OSC’s short stay, request linkage to Shakti Sadan / other institutional care.
  5. Keep any FIR / medical / court papers the Centre helps you obtain for follow-up.

  Vedica does not operate OSCs. If you or someone else is in immediate danger, contact local emergency services / 112 / 181.

about_text:
  One Stop Centre (OSC / Sakhi) has been implemented since 01.04.2015 and is the mainstay of the Sambal sub-scheme under Mission Shakti (MWCD). OSCs are being set up in each district, with guidelines providing for additional centres in high-crime or larger districts (preferably aspirational districts).

  Mission Shakti Guidelines PDF (verified HTTP 200 on 14.08.2026): https://missionshakti.wcd.gov.in/public/documents/whatsnew/Mission_Shakti_Guidelines.pdf
  Women Helpline 181 integrates with OSCs for emergency and non-emergency support; emergency response also links with ERSS 112 as framed.

  Mission Shakti was framed for 2021–22 to 2025–26; OSCs remain the district coordination point in guidelines — confirm live district centre contacts via State WCD / 181.

faqs:
  [{"q":"How long can I stay at an OSC?","a":"Guidelines: temporary shelter up to a maximum of 5 days at the Centre Administrator\u2019s discretion; longer stays are coordinated with Shakti Sadan."},{"q":"What number should I call?","a":"Women Helpline 181 for OSC linkage and non-emergency support; 112 for emergencies as framed in Mission Shakti guidelines."}]


slug: top-class-sc
name: Central Sector Scholarship of Top Class Education for SC Students
short_name: Top Class SC
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: education
benefit_type: subsidy
audience_tags: ["student","sc","citizen"]
need_tags: ["education","scholarship","subsidy"]
apply_url: https://scholarships.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/91161763545978.pdf
lifecycle_status: confirm_live
summary:
  Scholarship for eligible SC students admitted to MoSJE-notified “Top Class” institutions: full tuition/non-refundable charges (private-sector ceiling ₹2 lakh p.a.) plus academic allowance, applied via NSP within institution slot limits.

benefit_text:
  From Top Class SC Scholarship Guidelines (applicable from 2025–26):

  • Full tuition fee and non-refundable charges; for private-sector institutions there is a ceiling of ₹2.00 lakh per annum per student.
  • Academic allowance: ₹86,000 in the first year of study and ₹41,000 in every subsequent year (living expenses, books and stationery, computer/laptop of reputed brand with accessories like UPS and printer — as framed in guidelines).
  • Scholarship becomes payable after securing admission and starting classes; tuition/non-refundable charges and academic allowance are paid as framed (institution verification on NSP).
  • Fresh scholarship only for 1st-year students; continues till course completion subject to satisfactory performance / promotion rules.
  • Overall scheme cap cited for 2021–22 to 2025–26: 21,500 scholarships (fresh slots rising to 1,900 in 2025–26 as tabulated) — slots are institution-wise as notified.

  Selected candidates are precluded from similar Centre/State scholarship benefits of a similar scheme.

documents:
  ["SC caste certificate","Annual family income certificate (ceiling \u20b98 lakh p.a.) as per guidelines","Admission \/ fee details from the notified Top Class institution","Aadhaar \/ NSP One Time Registration (OTR) as required on scholarships.gov.in","Bank account details for DBT (as demanded on NSP)"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/91161763545978.pdf","https:\/\/socialjustice.gov.in\/schemes\/27","https:\/\/scholarships.gov.in\/"]

eligibility_text:
  From guidelines:

  • SC student with total annual family income from all sources up to ₹8.00 lakh.
  • Secured admission in a full-time prescribed course in a MoSJE-notified Top Class institution as per that institution’s general selection criteria.
  • Fresh awards only to 1st-year students (2nd/3rd/4th year not eligible for fresh selection).
  • If eligible SC admits exceed institution slots, scholarship goes by inter-se merit on admission criteria; tie → lower family income preferred; remaining SC students may be considered for PMS-SC if otherwise eligible.
  • Income certificate: self-employed parents — revenue officer not below Tehsildar; employed — employer certificate plus consolidated revenue certificate for other income.
  • Scholarship terminates if not promoted / other discontinuation rules in guidelines.

  Confirm the live notified institution list and NSP deadlines each year.

how_to_apply:
  1. Secure admission in a MoSJE-notified Top Class institution for an eligible full-time course.
  2. Apply on the National Scholarship Portal (https://scholarships.gov.in/) with OTR/Aadhaar as required for the academic year; upload income and caste certificates and other papers demanded.
  3. The institution verifies details on NSP within its allotted slots.
  4. Track institute / State / Ministry verification stages on NSP.
  5. Do not pay agents for “Top Class seats” — selection is through admission merit and NSP processes.

  Vedica does not process NSP scholarships.

about_text:
  This Central Sector Scheme promotes quality higher education among Scheduled Caste students beyond Class XII in institutions notified by MoSJE.

  Scheme Guidelines applicable from 2025–26 (verified HTTP 200 on 14.08.2026): https://socialjustice.gov.in/writereaddata/UploadFile/91161763545978.pdf
  Scheme page: https://socialjustice.gov.in/schemes/27
  Applications: National Scholarship Portal https://scholarships.gov.in/

  Guidelines frame overall scholarship numbers for 2021–22 to 2025–26 (including fresh slots for 2025–26). Confirm live NSP opening windows and the current notified institution/slot list before applying.

faqs:
  [{"q":"What is the income ceiling?","a":"Guidelines: total annual family income from all sources up to \u20b98.00 lakh."},{"q":"Is every SC student in a top college covered?","a":"No. Coverage is limited to MoSJE-notified institutions and the scholarship slots allotted to each institution\/course."}]


slug: nos-sc
name: National Overseas Scholarship for SC etc. Candidates (NOS)
short_name: NOS SC
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: education
benefit_type: subsidy
audience_tags: ["student","sc","citizen"]
need_tags: ["education","scholarship","subsidy"]
apply_url: https://nosmsje.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://nosmsje.gov.in/public/images/Scheme-Guideline-2026-27-Eng.pdf
lifecycle_status: confirm_live
summary:
  Central Sector scholarship for low-income SC / DNT / landless agricultural labourer / traditional artisan candidates to pursue Master’s or Ph.D. abroad — up to 125 fresh awards per selection year, via nosmsje.gov.in.

benefit_text:
  From NOS Guidelines (applicable from 2026–27; allowance table consistent with prior-year framing):

  • Financial assistance for Master’s or Ph.D. abroad in institutions/universities accredited by the host country authority, in fields covered by the scheme.
  • Up to 125 fresh awards per Selection Year (subject to funds): typically 115 SC, 6 Denotified/Nomadic/Semi-Nomadic Tribes, 4 Landless Agricultural Labourers & Traditional Artisans; 10% per-State/UT cap; 30% of awards earmarked for women.
  • Illustrative annual allowances (guidelines table): USA — maintenance USD 15,400 and contingency USD 1,500; UK — maintenance GBP 9,900 and contingency GBP 1,100; tuition fees actual as charged; visa fees actual in INR; medical insurance premium actual as charged; incidental journey/equipment USD 20 each or INR equivalent.
  • Economy air passage (hometown nearest airport ↔ institution nearest airport) via authorised agents BLCL / ATT / IRCTC as framed; reimbursement rules via Indian Mission after joining.
  • Indian Missions abroad disburse tuition/maintenance as per progress and joining reports.

  Exact country-wise rates and conditions are in the guidelines — confirm the award letter for your destination.

documents:
  ["Caste \/ category certificate (SC \/ DNT \/ landless agricultural labourer \/ traditional artisan as applicable)","Gross annual family income certificate (\u2264 \u20b98 lakh) and ITR papers as demanded","Unconditional offer of admission from the foreign university","Marksheets for all semesters \/ CGPA conversion formula if needed","Aadhaar (mandatory before final award letter)","Bond \/ solvency \/ undertaking papers after provisional award (as issued with confirmation letter)"]

source_urls:
  ["https:\/\/nosmsje.gov.in\/public\/images\/Scheme-Guideline-2026-27-Eng.pdf","https:\/\/nosmsje.gov.in\/public\/images\/Scheme-guidelines-2025-26.pdf","https:\/\/nosmsje.gov.in\/","https:\/\/socialjustice.gov.in\/schemes\/28"]

eligibility_text:
  From NOS Guidelines (from 2026–27):

  • Target groups: SC; Denotified, Nomadic and Semi-Nomadic Tribes; Landless Agricultural Labourers and Traditional Artisans (as framed).
  • Age not more than 35 years as on 1 April of the Selection Year.
  • Gross annual family income ≤ ₹8.00 lakh in the preceding financial year (Tehsildar-level income certificate; ITR/CPC papers where income exceeds Old/New tax-regime thresholds cited in guidelines).
  • Minimum 60% marks or equivalent in the qualifying exam (Bachelor’s for Master’s; Master’s for Ph.D.).
  • Unconditional offer of admission — first round prioritises top 500 QS World University Rankings (latest available); second round has cascading QS / recognised-institution priorities as framed.
  • Already studying/staying abroad on another scholarship or own funds for a course: not eligible as framed.
  • Award only once; not more than two children of the same parents/guardians under the scheme.
  • Aadhaar mandatory before final award letter.
  • Same-level course already acquired, or India-culture/heritage research topics as excluded in guidelines: not covered.

  Apply only on https://nosmsje.gov.in/ during notified rounds.

how_to_apply:
  1. Read the current NOS guidelines PDF and check round dates on https://nosmsje.gov.in/
  2. Secure an unconditional offer from an eligible foreign university (QS top-500 priority in round 1 as framed).
  3. Apply online on the NOS portal within the 40-day window (+ correction window) for the round; upload income, caste/category, marksheets, offer letter and Aadhaar as required.
  4. Selection-cum-Screening Committee ranks by university QS rank (then qualifying marks on ties).
  5. After provisional award, complete bond / solvency / ITR and Mission joining formalities before final confirmation.

  Vedica does not nominate candidates or process NOS awards.

about_text:
  National Overseas Scholarship (NOS) facilitates higher education abroad (Master’s / Ph.D.) for eligible low-income candidates from Scheduled Castes, Denotified Nomadic and Semi-Nomadic Tribes, Landless Agricultural Labourers and Traditional Artisans.

  Scheme Guidelines applicable from 2026–27 (verified HTTP 200 on 14.08.2026): https://nosmsje.gov.in/public/images/Scheme-Guideline-2026-27-Eng.pdf
  Earlier 2025–26 guidelines (also on portal): https://nosmsje.gov.in/public/images/Scheme-guidelines-2025-26.pdf
  Apply / portal: https://nosmsje.gov.in/
  MoSJE scheme page: https://socialjustice.gov.in/schemes/28

  Confirm the live selection-year advertisement, QS ranking cut-offs and portal round dates on nosmsje.gov.in before applying.

faqs:
  [{"q":"How many fresh awards per year?","a":"Guidelines: 125 fresh awards per Selection Year, subject to availability of funds and category\/State slot rules (including 30% for women)."},{"q":"Is undergraduate study abroad covered?","a":"No. Guidelines cover Master\u2019s level and Ph.D. courses abroad."}]


slug: free-coaching-scobc
name: Scheme of Free Coaching for SCs, OBCs and beneficiaries of PM CARES Children Scheme
short_name: Free Coaching SC/OBC
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: education
benefit_type: other
audience_tags: ["student","sc","obc","citizen"]
need_tags: ["education","coaching","other"]
apply_url: https://socialjustice.gov.in/schemes/30
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/84931739961630.pdf
lifecycle_status: active
summary:
  Free competitive-exam coaching through Dr. Ambedkar Centres of Excellence in empanelled Central Universities — about 3,500 students yearly; SC/OBC income ≤ ₹8 lakh; PM CARES children admitted without income/caste bar.

benefit_text:
  From Free Coaching Guidelines (from 2024–25):

  • Coaching for UPSC/SPSC Group A & B; SSC/RRB Group A & B; bank/insurance/PSU officers’ exams; premier entrances (JEE, NEET, CAT, CLAT, etc.); SAT/GRE/GMAT/IELTS/TOEFL; CPL / NDA / CDS as listed.
  • About 3,500 students selected annually; per Central University typically up to 100 SC/OBC seats (70:30 SC:OBC; ≥70% SC unless relaxed, never below 50% SC) plus 30% female reservation within category; all eligible PM CARES Children applicants admitted even beyond the 100.
  • Admissible payments: course fee as per Annexure-A maxima (e.g. Civil Services up to ₹75,000 / 12 months; SSC/RRB ₹40,000; Banking/Insurance/PSU/CLAT ₹50,000; JEE/NEET ₹75,000; GRE/GMAT/SAT/IELTS/TOEFL ₹35,000; NDA/CDS ₹20,000 — confirm Annexure-A for the course); stipend @ ₹4,000 per month for full course duration not exceeding 12 months; ₹15,000 interview incentive after clearing mains of Central/State Civil Services Class 1/2 as framed.
  • Fee and stipend via DBT in two 50% instalments (second after >75% course duration).
  • Benefit under the scheme not more than twice per student.

  Minimum 16 hours/week physical coaching mandatory as framed.

documents:
  ["Aadhaar (or EID at application) and Aadhaar-seeded bank account","SC \/ OBC caste certificate (not required for PM CARES Children path)","Family income certificate (SC\/OBC \u2014 ceiling \u20b98 lakh p.a.)","PM CARES Children beneficiary certificate with beneficiary ID (if applying under that category)","Class X \/ XII \/ UG marksheets as relevant to the exam track","Declaration of not having availed similar coaching more than twice \/ other schemes"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/84931739961630.pdf","https:\/\/socialjustice.gov.in\/schemes\/30"]

eligibility_text:
  From guidelines:

  • SC/OBC: total family income ≤ ₹8.00 lakh per annum from all sources; income certificate rules as framed.
  • PM CARES Children: Central Government beneficiary certificate with beneficiary ID — no income or caste restriction.
  • Valid Aadhaar (or EID at application; payment only after Aadhaar seeded bank account).
  • Where Class XII is the qualifying exam: must have passed or be studying in Class XII; Class X marks ≥ 50%.
  • Where UG is the qualifying exam: completed UG or in final year; Class XII marks ≥ 50%.
  • Not availing another similar Centre/State coaching scheme; declaration required.
  • SC/OBC minority candidates may be directed to Minority Affairs / State schemes as noted.

  Apply only online to the advertising Central University — no offline applications.

how_to_apply:
  1. Watch advertisements from empanelled Central Universities / DAF for the courses allocated to each DACE.
  2. Apply online only to the Central University for the chosen course when applications open.
  3. SC/OBC candidates are shortlisted on the university’s pre-informed merit/screening procedure; PM CARES Children who apply and are eligible get direct admission (no merit list).
  4. Attend with Aadhaar biometric attendance; irregular absence can cancel candidature.
  5. Remit the university fee portion from the DBT instalment within 15 days as framed.

  Vedica does not run coaching centres or shortlist candidates.

about_text:
  Central Sector free coaching scheme implemented by Dr. Ambedkar Foundation (DAF) through empanelled Central Universities (Dr. Ambedkar Centre of Excellence — DACE).

  Guidelines applicable from 2024–25 (verified HTTP 200 on 14.08.2026): https://socialjustice.gov.in/writereaddata/UploadFile/84931739961630.pdf
  Scheme page: https://socialjustice.gov.in/schemes/30

  PM CARES Children are included from 2024–25; this coaching scheme is funded under MoSJE/DAF processes — not from the PM CARES Fund itself.

faqs:
  [{"q":"Do PM CARES children need the \u20b98 lakh income limit?","a":"No. Guidelines: no income or caste-related restrictions for PM CARES Children beneficiaries with a valid Central beneficiary certificate\/ID."},{"q":"Is stipend paid for the whole year?","a":"Stipend is \u20b94,000 per month for the actual coaching months or the maximum prescribed duration (\u226412 months), whichever is less."}]


slug: pms-sc
name: Post Matric Scholarship for Scheduled Caste Students (PMS-SC)
short_name: PMS-SC
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: education
benefit_type: subsidy
audience_tags: ["student","sc","citizen"]
need_tags: ["education","scholarship","subsidy"]
apply_url: https://scholarships.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/PMS_for_SCs_Scheme_Guidelines.pdf
lifecycle_status: active
summary:
  Centrally Sponsored post-matriculation scholarship for eligible SC students with parental/guardian income up to ₹2.50 lakh — compulsory fees plus academic allowance by course group, applied via NSP through the State/UT of domicile.

benefit_text:
  From PMS-SC Guidelines (w.e.f. 2020–21; academic allowance rates from 2021–22):

  • Compulsory non-refundable fees including tuition fee as fixed by the State Fee Fixation/Rationalisation Committee.
  • Academic allowance (yearly) — Hostellers / Day Scholars:
    – Group 1 (degree/PG professional etc.): ₹13,500 / ₹7,000
    – Group 2 (other professional degree/diploma/certificate): ₹9,500 / ₹6,500
    – Group 3 (graduate/PG not in Groups 1–2): ₹6,000 / ₹3,000
    – Group 4 (post-Class X non-degree): ₹4,000 / ₹2,500
  • 10% extra academic allowance for Divyang students; CA/ICWA/CS/ICFA treated as day scholars; correspondence/online courses not eligible for academic allowance.
  • Academic allowance linked to CPI-IW with annual revision orders from the Department (confirm live revised rates).
  • States may top up academic allowance from their own resources.
  • Freeship Card process so eligible students can take admission without pre-paying tuition/hostel fee as framed; DBT of scholarship components into the student’s account.

  Confirm live Group classification and any State top-up with your State nodal department.

documents:
  ["SC caste certificate of the State\/UT of domicile","Income certificate (parents\/guardians \u2014 ceiling \u20b92.50 lakh p.a.)","Domicile \/ permanent residence proof as demanded by the State","Previous exam marksheet \/ enrolment proof","Aadhaar and bank account for DBT \/ NSP OTR","Institute fee structure \/ Freeship Card papers as applicable"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/PMS_for_SCs_Scheme_Guidelines.pdf","https:\/\/scholarships.gov.in\/","https:\/\/socialjustice.gov.in\/schemes"]

eligibility_text:
  From guidelines:

  • Indian national belonging to SC in relation to the State/UT of domicile.
  • Parents’/guardians’ income from all sources ≤ ₹2,50,000 during the last financial year (means test).
  • Passed Matriculation or Higher Secondary or any higher examination of a recognised Board/University; pursuing recognised post-matriculation / post-secondary courses in eligible institution categories listed in guidelines.
  • Selected by the State/UT of permanent settlement / domicile.

  One student may typically hold one central scholarship of this type — confirm NSP dual-scheme rules for the academic year (NSP has stated rules on merit-based vs welfare-based combinations from AY 2026–27).

how_to_apply:
  1. Confirm your State/UT has opened PMS-SC on https://scholarships.gov.in/ for the academic year.
  2. Complete NSP One Time Registration (OTR) with Aadhaar/EID if required.
  3. Apply online selecting Post Matric Scholarship for SC; upload caste, income, domicile and academic papers.
  4. Ensure institute verification and State verification complete before DBT.
  5. Use Freeship Card / State process if your State issues it so the college does not demand upfront fee contrary to guidelines.

  Vedica does not process State scholarship sanctions.

about_text:
  PMS-SC provides financial assistance to SC students at post-matriculation / post-secondary stage in recognised institutions in India. Awards are selected by the State/UT to which the student belongs (domicile).

  Scheme Guidelines (2020–21 to 2025–26; verified HTTP 200 on 14.08.2026): https://socialjustice.gov.in/writereaddata/UploadFile/PMS_for_SCs_Scheme_Guidelines.pdf
  Apply via National Scholarship Portal: https://scholarships.gov.in/

  Guidelines cover the 15th FC period through 2025–26. NSP has been open for later academic years for scholarship schemes generally — confirm your State’s live PMS-SC listing and deadlines on NSP / State scholarship pages before relying on post–2025–26 entitlements.

faqs:
  [{"q":"What is the income ceiling?","a":"Guidelines: parents\u2019\/guardians\u2019 income from all sources should not exceed \u20b92,50,000 per annum."},{"q":"Is the scheme only till 2025\u201326?","a":"Published guidelines cover 2020\u201321 to 2025\u201326. Confirm live NSP \/ State continuation for later years before relying on post-cycle entitlements."}]


slug: namaste
name: National Action for Mechanised Sanitation Ecosystem (NAMASTE)
short_name: NAMASTE
category: skill
benefit_type: other
audience_tags: ["citizen","artisan","msme"]
need_tags: ["skill","loan","safety","other"]
apply_url: https://socialjustice.gov.in/schemes/37
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/76151765792993.pdf
lifecycle_status: confirm_live
ministry:
  Department of Social Justice and Empowerment (convergent with Ministry of Housing and Urban Affairs)

summary:
  Mission to end hazardous manual sewer/septic cleaning: profile and skill sewer & septic tank workers, PPE and ERSU safety, AB-PMJAY health cover, SHGs, and credit-linked capital subsidy for mechanised sanitation enterprises.

benefit_text:
  From NAMASTE Revised Guidelines (from 2023–24):

  • Profiling of Sewer and Septic Tank Workers (SSWs) via ULBs / NAMASTE portal; Emergency Response Sanitation Units (ERSUs) with helpline preferably 14420.
  • PPE kits and safety devices; occupational safety training (MSDE / NSKFDC / PMKVY convergence; guidelines cite provisioning for ~40 hours upskilling including travel cost under NAMASTE).
  • Health insurance under AB-PMJAY for SSWs & manual scavengers and families, with NAMASTE funding where not already on NHA lists (as framed).
  • Credit-linked upfront capital subsidy for sanitation-related projects for eligible SSWs (scaled; e.g. project cost up to ₹15 lakh — 50% of project cost as tabulated; group projects with per-member / group subsidy caps such as max ₹5 lakh per member and max ₹25 lakh group subsidy as framed).
  • Separate capital-subsidy framing for PSSOs/private contractors for mechanised equipment (e.g. 25% of project cost subject to max ₹10 lakh per unit — confirm live table).
  • For identified manual scavengers and dependents: free skill training with monthly stipend ₹3,000 (or amount decided from time to time) via NSKFDC subject to attendance; capital subsidy for general self-employment projects (e.g. ₹5 lakh subsidy framing for max project cost ₹15 lakh; higher group figures as tabulated).
  • SHG formation and “SANIPRENEUR” livelihood pathways; convergence with SBM and DAY-NULM.

  Exact subsidy slab depends on project cost band — confirm with NSKFDC / ULB / NAMASTE MIS before borrowing.

documents:
  ["Identity and address proof (Aadhaar commonly used)","Proof of engagement as SSW \/ sanitation worker \/ PSSO contract papers as demanded by the ULB","Bank account and Aadhaar for DBT \/ stipend \/ subsidy credit","For enterprise subsidy: project estimate, quotations for mechanised equipment, and lender KYC as demanded","For manual scavenger path: identification documents as per SRMS\/NAMASTE process"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/76151765792993.pdf","https:\/\/socialjustice.gov.in\/public\/ckeditor\/upload\/31601728039934.pdf","https:\/\/socialjustice.gov.in\/schemes\/37"]

eligibility_text:
  Primary target (guidelines):

  • Sewer and septic tank workers in urban areas engaged in hazardous cleaning / direct faecal-matter work — on ULB/parastatal payroll or via private sanitation service organisations (PSSOs), including contractors and SHGs — as identified during profiling.
  • Sewer Entry Professionals (SEPs) identified during profiling before any permitted sewer entry with full safety kit.
  • Identified manual scavengers and their dependents for SRMS-continuity skill training and self-employment capital subsidy components as framed.
  • PSSOs/private contractors with active MoHUA model contract for equipment capital subsidy as framed.

  Profiling and ULB MIS entry are prerequisites for most worker entitlements — approach your Urban Local Body / ERSU.

how_to_apply:
  1. Contact your ULB / municipal sanitation cell / ERSU and ask to be profiled on the NAMASTE MIS if you work on sewer/septic cleaning.
  2. For emergency mechanised cleaning requests as a citizen, use the local ERSU helpline (preferably 14420 where operational).
  3. For skill training / capital subsidy / SHG support, follow NSKFDC / ULB / DAY-NULM channels after profiling; do not pay middlemen for “NAMASTE subsidy”.
  4. For AB-PMJAY linkage, complete eKYC / Ayushman processes as directed once listed under NAMASTE/NHA convergence.
  5. PSSOs seeking equipment subsidy must hold the MoHUA model contract at the time of availing subsidy as framed.

  Vedica does not profile workers or sanction capital subsidy.

about_text:
  NAMASTE (formerly SRMS) is a joint MoSJE–MoHUA scheme launched to ensure safety and dignity of sanitation workers through mechanisation, skilling and livelihood support. Applicable from 2023–24.

  Revised Scheme Guidelines (verified HTTP 200 on 14.08.2026): https://socialjustice.gov.in/writereaddata/UploadFile/76151765792993.pdf
  Alternate guidelines upload: https://socialjustice.gov.in/public/ckeditor/upload/31601728039934.pdf
  Scheme page: https://socialjustice.gov.in/schemes/37

  Waste-picker component guidelines have also been published for later years — confirm the live NAMASTE MIS / ULB process in your city.

faqs:
  [{"q":"Is NAMASTE a cash transfer for all sanitation workers?","a":"No. Core design is profiling, safe mechanised work, PPE\/training, health cover and targeted capital subsidy \/ skilling \u2014 not a universal monthly cash entitlement."},{"q":"What helpline is mentioned for sewer cleaning requests?","a":"Guidelines ask each ERSU to operationalise a helpline, preferably 14420, for sewer\/septic cleaning service requests."}]


slug: top-class-obc
name: Top Class College Education for OBC, EBC and DNT Students (PM-YASASVI)
short_name: Top Class OBC
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: education
benefit_type: subsidy
audience_tags: ["student","obc","citizen"]
need_tags: ["education","scholarship","subsidy"]
apply_url: https://scholarships.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/PM_Yasasvi_scheme.pdf
lifecycle_status: active
summary:
  Under PM-YASASVI, eligible OBC / EBC / DNT students in MoSJE-notified colleges can get tuition support (with private-institute ceilings), monthly living expense, books grant and a one-time laptop assistance — within the slots allotted to each institution.

benefit_text:
  What the guidelines actually provide once you are selected within an institution’s slot:

  Full tuition fee and non-refundable charges are covered, subject to ceilings — ₹2.00 lakh per student per year for private-sector institutions, and ₹3.72 lakh per year for private-sector flying clubs offering Commercial Pilot Training and Type Rating courses. Living expenses are supported at ₹3,000 per month. Books and stationery come to ₹5,000 per year. There is also one-time assistance (during the course) for a latest computer/laptop of a reputed brand with accessories such as UPS and printer, limited to ₹45,000.

  Payments for these components are framed as Direct Benefit Transfer to the student. After the amount lands, you are expected to deposit the institute’s fee promptly — guidelines say within a month of receipt.

  If more eligible OBC/EBC/DNT students join than the slots available, the scholarship goes by inter-se merit on the course’s admission criteria; on a tie for the last slot, the student with lower family income is preferred. Others may still look at Post-Matric Scholarship under YASASVI if they otherwise qualify.

documents:
  ["OBC \/ EBC \/ DNT category certificate as applicable","Annual family income certificate (ceiling \u20b92.50 lakh from all sources)","Admission proof and fee details from the notified institution","Aadhaar \/ NSP One Time Registration (OTR) as required","Bank account seeded for DBT"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/PM_Yasasvi_scheme.pdf","https:\/\/socialjustice.gov.in\/schemes\/101","https:\/\/scholarships.gov.in\/"]

eligibility_text:
  You need to belong to OBC, EBC or DNT as framed under the scheme, with total annual family income from all sources up to ₹2.50 lakh. You must have secured admission in a full-time prescribed course in a MoSJE-notified institution under that institution’s normal selection rules — and there must still be a scholarship slot left for your course.

  This is not an open-ended “every OBC student in every college” scheme. Without a notified institute and an allotted slot, Top Class College support does not apply (Post-Matric may still be an option separately).

  Keep caste/category and income papers ready in the form your State and NSP ask for. Confirm the current year’s notified list on MoSJE / NSP materials — lists can be updated.

how_to_apply:
  First, secure admission in a MoSJE-notified Top Class college for an eligible full-time course. Then apply on https://scholarships.gov.in/ when the scheme opens for your academic year (complete OTR/Aadhaar steps as NSP requires). Upload income and category certificates and the fee/admission details your institute and State ask for. The institution verifies claims against its slot limit. Track institute and State verification on NSP, and once DBT arrives, pay the college fee within the time the guidelines expect.

  Nobody should charge you a “processing fee” for this scholarship. Vedica does not file NSP applications.

about_text:
  If you have fought hard for a seat in a well-regarded college, fee and living costs can still stop you from joining. Top Class College Education for OBC, EBC and DNT students — a component of the PM-YASASVI umbrella — is meant to close that gap for students whose family income stays within the scheme ceiling and who get into a MoSJE-notified institution.

  Official PM-YASASVI guidelines (umbrella document covering this sub-scheme): https://socialjustice.gov.in/writereaddata/UploadFile/PM_Yasasvi_scheme.pdf
  Umbrella scheme page: https://socialjustice.gov.in/schemes/101
  Applications run through the National Scholarship Portal: https://scholarships.gov.in/

  Slots are limited per notified institution and course. Always check the live notified-institute list and NSP dates for your academic year before you plan finances around this scholarship.

faqs:
  [{"q":"Is every private college covered?","a":"No. Only MoSJE-notified institutions with allotted slots. Private-sector tuition support also has a yearly ceiling (\u20b92 lakh in general; higher only for the flying-club courses named in guidelines)."},{"q":"What is the income limit?","a":"Total annual family income from all sources up to \u20b92.50 lakh."}]


slug: pms-obc
name: Post-Matric Scholarship for OBC, EBC and DNT Students (PM-YASASVI)
short_name: PMS-OBC
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: education
benefit_type: subsidy
audience_tags: ["student","obc","citizen"]
need_tags: ["education","scholarship","subsidy"]
apply_url: https://scholarships.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/PM_Yasasvi_scheme.pdf
lifecycle_status: active
summary:
  Centrally Sponsored post-matric support for eligible OBC / EBC / DNT students (family income up to ₹2.50 lakh): academic allowance plus a tuition-fee component by course group, with Freeship Card so you can join without paying fees upfront.

benefit_text:
  Guidelines list yearly Academic Allowance and Tuition Fee components (and their total) by course group:

  • Group 1 (degree/PG professional courses such as medicine, engineering, management, law pathways as defined): Academic Allowance ₹10,000 + Tuition Fee ₹10,000 = ₹20,000.
  • Group 2 (other professional degree/diploma/certificate courses as defined): ₹8,000 + ₹5,000 = ₹13,000.
  • Group 3 (graduate/PG courses not in Groups 1–2): ₹6,000 + ₹2,000 = ₹8,000.
  • Group 4 (post-Class X non-degree courses): Academic Allowance ₹5,000 + Tuition Fee ₹0 = ₹5,000.

  CA / ICWA / CS / ICFA students are treated as day scholars for academic-allowance purposes. Correspondence/online students do not get academic allowance, though tuition-fee support for online/correspondence students is separately noted in the guidelines.

  Eligible students should get a Freeship Card from the State so the institute does not insist on fee/hostel pre-payment; once scholarship money is released to your account, the institute can collect what is due. Disbursement is framed as DBT into the student’s account (Aadhaar-based payment preferred from 2021–22).

  These are the published table amounts — confirm any State top-up or revised order before treating a figure as final for your year.

documents:
  ["OBC \/ EBC \/ DNT certificate as applicable","Income certificate (ceiling \u20b92.50 lakh as framed for unemployed \/ combined income rules for employed students)","Domicile \/ permanent residence proof as demanded by the State","Previous exam marksheet and current enrolment proof","Aadhaar and bank account for DBT \/ NSP OTR","Freeship Card \/ fee papers as issued by the State"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/PM_Yasasvi_scheme.pdf","https:\/\/socialjustice.gov.in\/schemes\/101","https:\/\/scholarships.gov.in\/"]

eligibility_text:
  You must be an Indian national from OBC, EBC or DNT (as framed), studying a recognised post-matriculation / post-secondary course in India, and belonging to the State/UT that will award the scholarship (domicile rules as decided by that State).

  Unemployed students: parents’/guardians’ income from all sources should not exceed ₹2.50 lakh a year. Employed students: your income combined with parents’/guardians’ income should stay within the same ₹2.50 lakh ceiling.

  States are asked to make special efforts to reach the poorest eligible households (for example SECC deprivation markers or households where parents are illiterate), but the income ceiling remains the hard filter stated above. Fee structures for courses should be those approved by the competent Fee Fixation/Rationalisation Committee as framed.

how_to_apply:
  Watch for your State’s opening of Post-Matric OBC/EBC/DNT on https://scholarships.gov.in/. Complete OTR if required, apply with category, income and academic papers, and ensure your college verifies the application. Ask the State nodal office about the Freeship Card so admission is not blocked for want of upfront fees. Keep your Aadhaar-seeded bank account ready for DBT.

  Vedica does not sanction State scholarships.

about_text:
  College should not end the day fees are demanded at the counter. Under PM-YASASVI, the Post-Matric Scholarship for OBC, EBC and DNT students helps eligible learners continue recognised post-matriculation and higher courses in India. The award is given by the State/UT where you are domiciled, with Central–State funding as framed for the Centrally Sponsored scheme.

  Guidelines sit inside the PM-YASASVI umbrella PDF: https://socialjustice.gov.in/writereaddata/UploadFile/PM_Yasasvi_scheme.pdf
  Scheme overview: https://socialjustice.gov.in/schemes/101
  Apply via https://scholarships.gov.in/ when your State lists the scheme for the year.

  States may top up academic allowance from their own budget. Always read your State’s NSP listing for live dates and any State-specific notes.

faqs:
  [{"q":"Is hostel allowance separate like in SC Post-Matric?","a":"This YASASVI Post-Matric table publishes Academic Allowance and Tuition Fee components by group (not a separate hosteller\/day-scholar pair like PMS-SC). Confirm any State top-up locally."},{"q":"Can I study in a private college?","a":"Recognised institutions under the scheme\u2019s course\/institution rules can be covered; tuition support follows the group table and Freeship Card process. Confirm with your State nodal department."}]


slug: pre-matric-sc
name: Pre-Matric Scholarship for Scheduled Caste Students (Classes IX & X)
short_name: Pre-Matric SC
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: education
benefit_type: subsidy
audience_tags: ["student","sc","citizen"]
need_tags: ["education","scholarship","subsidy"]
apply_url: https://scholarships.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/FINAL%20PRE%20Matric636452248752025805.pdf
lifecycle_status: active
summary:
  Centrally Sponsored help for SC students in Classes IX and X whose parents’/guardians’ income is up to ₹2.50 lakh — a modest monthly scholarship plus annual books/adhoc grant, paid for up to 10 months a year through the State of domicile.

benefit_text:
  Under the 2017 guidelines, the scholarship value for the full course duration includes:

  • Scholarship (per month, for 10 months): ₹225 for day scholars and ₹525 for hostellers.
  • Books and ad hoc grant (per year): ₹750 for day scholars and ₹1,000 for hostellers.

  There are also additional disability-linked allowances listed in the guidelines (for example escort allowance for severely disabled day scholars) — check the disability table in the PDF if it applies to your child.

  The award continues into Class X after the student passes Class IX, subject to good conduct and regular attendance. If a class has to be repeated, scholarship for that repeated class is not paid again as framed. States that already ran a higher State pre-matric rate may continue that rate over and above this Central scheme, as the guidelines allow.

  Amounts are modest by design — this is school-stage support, not a college package. Confirm any later Central/State revision before treating 2017 figures as permanently frozen.

documents:
  ["SC caste certificate","Parents\u2019\/guardians\u2019 income certificate (ceiling \u20b92.50 lakh p.a.)","School enrolment \/ Class IX or X study proof","Aadhaar (or alternate identity if authentication fails, as framed)","Bank or post-office account details for scholarship credit","Disability certificate if claiming disability-linked allowances"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/FINAL%20PRE%20Matric636452248752025805.pdf","https:\/\/socialjustice.gov.in\/schemes\/23","https:\/\/scholarships.gov.in\/"]

eligibility_text:
  The student should belong to Scheduled Caste, be studying full-time in Class IX or X, and have parents’/guardians’ income not exceeding ₹2.50 lakh a year from all sources. The scholarship is for study in India only and is awarded by the State/UT of domicile.

  You should not be drawing another Centrally funded Pre-Matric scholarship at the same time (National Means-cum-Merit is explicitly allowed alongside, as per these guidelines). Aadhaar-related conditions under the Aadhaar Act notification cited in the guidelines apply, with room to prove identity by other means if Aadhaar authentication fails so that genuine students are not shut out.

  While either parent is alive, only the parents’ income is counted — not every earning relative in the household. If both parents have died, the supporting guardian’s income is taken.

how_to_apply:
  When your State opens Pre-Matric SC on https://scholarships.gov.in/ (MoSJE materials often mention an April registration window — confirm the live calendar), complete the NSP steps and any State-portal follow-through. Submit caste, income and school enrolment papers through the school/State process. Prefer an Aadhaar-linked bank/post-office account so the State can credit scholarship regularly.

  Vedica does not pay school scholarships.

about_text:
  The jump from Class VIII to secondary school is where many families start feeling the cost of uniforms, books and bus fare. Pre-Matric Scholarship for SC students is designed to ease that pressure so children stay in school through Classes IX and X and have a better shot at moving into post-matric courses later.

  Guidelines (effective 19 September 2017; verified GET 200 on 14.08.2026): https://socialjustice.gov.in/writereaddata/UploadFile/FINAL%20PRE%20Matric636452248752025805.pdf
  MoSJE scheme page (also refers to a broader “SC & Others” framing — confirm Component details live on NSP/State portals): https://socialjustice.gov.in/schemes/23
  Apply via https://scholarships.gov.in/ when your State opens the scheme.

  This entry sticks to the Class IX–X SC rates and rules in the 2017 guidelines PDF. If your State lists an additional component on NSP, read that component’s live text before assuming the same rates.

faqs:
  [{"q":"How much does a day scholar get each month?","a":"Guidelines (2017): \u20b9225 per month for up to 10 months, plus \u20b9750 per year as books\/ad hoc grant."},{"q":"Can we also take NMMS?","a":"Yes. These guidelines allow National Means-cum-Merit alongside Pre-Matric SC; you cannot stack another Centrally funded Pre-Matric scholarship."}]


slug: sakhi-niwas
name: Sakhi Niwas (Working Women Hostel) — Mission Shakti
short_name: Sakhi Niwas
ministry: Ministry of Women and Child Development
category: women
benefit_type: other
audience_tags: ["woman","citizen"]
need_tags: ["housing","women","other"]
apply_url: https://www.wcd.gov.in/women/sakhi-niwas-working-women-hostel
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://missionshakti.wcd.gov.in/public/documents/whatsnew/Mission_Shakti_Guidelines.pdf
lifecycle_status: confirm_live
summary:
  Safe, reasonably priced hostel stay for working women (and women in job training) under Mission Shakti’s Samarthya stream — with income ceilings, capped rent shares, and day-care for children where the hostel runs a centre.

benefit_text:
  You get a place to stay with the functional facilities the guidelines associate with working women’s hostels — accommodation, food arrangements, and day-care for residents’ children wherever the hostel provides it. Day-care/Palna at the hostel may also take children of other working women nearby if seats remain.

  Rent is meant to stay affordable: implementing organisations may charge residents a reasonable rent not exceeding 15% of total emoluments/gross salary for single bedrooms, 10% for double bedrooms, and 7½% for dormitories. Day-care fees should not exceed 5% of the mother’s emoluments or actual expenditure, whichever is less. Women under job training pay rent not higher than the lowest rent charged to working women in the same facility (training sponsor may pay where possible).

  Mess and extras such as washing machines are usually separate user charges. This is a hostel service at regulated rent — not a Central cash stipend into your bank account.

documents:
  ["Identity and address proof","Proof of employment or job-training enrolment","Income proof \/ salary slip (to show you are within the gross monthly ceiling)","Marital status papers if demanded locally","Child\u2019s age proof if seeking day-care at the hostel"]

source_urls:
  ["https:\/\/missionshakti.wcd.gov.in\/public\/documents\/whatsnew\/Mission_Shakti_Guidelines.pdf","https:\/\/www.wcd.gov.in\/women\/sakhi-niwas-working-women-hostel","https:\/\/missionshakti.wcd.gov.in\/"]

eligibility_text:
  Working women who are single, widowed, divorced, separated, or married but whose husband or immediate family does not live in the same area, and women undergoing job training, can seek admission subject to norms.

  Gross income should not exceed ₹50,000 consolidated per month in metropolitan cities, or ₹35,000 consolidated per month elsewhere. The District Magistrate (or another authorised officer) may relax the ceiling based on local need and bed availability. If your income later crosses the ceiling while you already live in the hostel, you are expected to vacate within six months of crossing it.

  Hostels are open without distinction of caste, religion or marital status, subject to the scheme norms. Seats are limited — admission is local, not through a single national lottery.

how_to_apply:
  Ask your State Women & Child Development department or District office for the list of functional Sakhi Niwas / Working Women Hostels (WCD has published State-wise functional lists from time to time). Apply directly to the hostel administration with ID, income and employment/training proof. Confirm rent, mess charges, rules and any waiting list before shifting.

  If you need emergency safety support rather than long-stay housing, use Women Helpline 181 / One Stop Centre instead.

  Vedica does not allot hostel beds.

about_text:
  Moving to a new city for work is hard enough without worrying whether the paying guest next door is safe. Sakhi Niwas — the Working Women Hostel component under Mission Shakti (Samarthya) — exists so women who are employed, or training for a job, can find secure accommodation near work hubs in urban, semi-urban and even rural areas where jobs exist.

  Mission Shakti Guidelines: https://missionshakti.wcd.gov.in/public/documents/whatsnew/Mission_Shakti_Guidelines.pdf
  WCD Sakhi Niwas page: https://www.wcd.gov.in/women/sakhi-niwas-working-women-hostel

  Funds go to States/UTs; hostels are run locally (including possible PPP with checked NGOs). Mission Shakti was framed for the 15th Finance Commission period 2021–22 to 2025–26 — confirm live hostel lists with your State WCD / District office after any FC-cycle transition.

faqs:
  [{"q":"What is the income ceiling?","a":"Gross \u20b950,000 per month in metropolitan cities and \u20b935,000 elsewhere, unless relaxed locally by the authorised officer subject to vacancy."},{"q":"Is food included in the capped rent share?","a":"Guidelines separate mess and similar user charges from the capped rent percentages for rooms\/dormitories. Confirm the hostel\u2019s current fee sheet."}]


slug: women-helpline-181
name: Women Helpline (181) — Mission Shakti (Sambal)
short_name: Women Helpline 181
ministry: Ministry of Women and Child Development
category: women
benefit_type: other
audience_tags: ["woman","citizen"]
need_tags: ["safety","legal_aid","other"]
apply_url: https://missionshakti.wcd.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://missionshakti.wcd.gov.in/public/documents/whatsnew/Mission_Shakti_Guidelines.pdf
lifecycle_status: active
summary:
  Nationwide toll-free 24×7 number 181 that connects women to emergency response (via 112/ERSS), One Stop Centres, and information on laws and government schemes — including text access for those who cannot speak easily.

benefit_text:
  You can call (or, where enabled, message) for support and information. For emergencies, responders refer you to the Emergency Response Support System for police, fire or ambulance. For non-emergency support, they connect you to the One Stop Centre in your district. The helpline also shares information on government schemes and programmes and can link you to local statutory officers — Dowry Prohibition Officers, Child Marriage Prevention Officers, Protection Officers and others — as your situation needs.

  Guidelines describe integration between 181 and 112 so cases can move both ways, and linkages with Childline 1098, NALSA helpline and similar platforms. 181 is also meant to guide women toward psycho-social counselling, legal aid, skilling, education, financial inclusion and entrepreneurship services through institutional referrals.

  If a call drops or someone cannot speak their address, the helpline framework includes tracing the calling number to push an emergency response through the nearest OSC/ERSS. Text/other message access is framed for people who cannot speak easily, including persons with hearing/speech disabilities.

  This is a support-and-referral service — not a cash benefit.

documents:
  ["No document pack is required to place a helpline call","Any ID, FIR, medical or court papers you already have can help OSC\/police follow-up after referral"]

source_urls:
  ["https:\/\/missionshakti.wcd.gov.in\/public\/documents\/whatsnew\/Mission_Shakti_Guidelines.pdf","https:\/\/missionshakti.wcd.gov.in\/","https:\/\/wcd.gov.in\/"]

eligibility_text:
  Any woman in distress or in difficult circumstances can use the helpline; someone may also call on her behalf. There is no income certificate or caste filter stated for dialling 181 in the Mission Shakti WHL section.

  You do not “apply” on a portal to become eligible — you dial 181 (or use the text channel where offered) when you need help.

how_to_apply:
  Dial 181 from anywhere in India. Explain what you need as clearly as you can; the responder will route emergency help via ERSS/112 or non-emergency support via your district One Stop Centre, and can share scheme/law information or connect statutory officers. If you cannot speak, use the text/message option where available, or ask a trusted person to call for you.

  If you are in immediate danger, also use local emergency services / 112.

  Vedica is not a crisis line. For emergencies, call 112 or 181 now.

about_text:
  When something goes wrong — violence at home, a sudden threat outside, or simply not knowing which office can help — the first need is a number that answers. Women Helpline under Mission Shakti (Sambal) is that 24-hour telecom service. It uses a single universal toll-free number across the country: 181.

  Mission Shakti Guidelines: https://missionshakti.wcd.gov.in/public/documents/whatsnew/Mission_Shakti_Guidelines.pdf
  Mission Shakti portal: https://missionshakti.wcd.gov.in/

  Each State/UT runs the helpline from a location it decides, but the number you dial stays 181. Like other Mission Shakti components, the written guidelines cover the 15th FC window 2021–22 to 2025–26 — the service model (181 linked to OSC/ERSS) remains the reference; confirm your State’s live contact banner if numbers are republished.

faqs:
  [{"q":"What is the number?","a":"Women Helpline is the universal toll-free number 181, available 24 hours as framed in Mission Shakti guidelines."},{"q":"Is 181 only for emergencies?","a":"No. Emergencies are routed via ERSS\/112; 181 also handles information, scheme guidance and non-emergency OSC linkages."}]


slug: pre-matric-obc
name: Pre-Matric Scholarship for OBC, EBC and DNT Students (PM-YASASVI)
short_name: Pre-Matric OBC
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: education
benefit_type: subsidy
audience_tags: ["student","obc","citizen"]
need_tags: ["education","scholarship","subsidy"]
apply_url: https://scholarships.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/PM_Yasasvi_scheme.pdf
lifecycle_status: active
summary:
  Under PM-YASASVI, eligible OBC / EBC / DNT students in Classes IX and X in Government schools can get a consolidated academic allowance of ₹4,000 a year when parental income stays within ₹2.50 lakh — meant to reduce drop-out at the secondary stage.

benefit_text:
  Guidelines are clear and simple on the money side: eligible students receive a consolidated academic allowance of ₹4,000 per annum. There is no separate hosteller/day-scholar split published for this Pre-Matric OBC/EBC/DNT component in the YASASVI table — it is one yearly academic allowance.

  Payment is framed as Direct Benefit Transfer into the student’s or parents’ account, preferably through an Aadhaar-based payment system. The entire scholarship amount — Central and State shares together, plus any disability allowance if separately admissible — should go only into that account, not as cash at the school counter.

  States are expected to run awareness through Gram Panchayat notice boards, school committees and parent–teacher meetings so the poorest eligible households actually hear about the scheme. Guidelines also ask States to identify, in mission mode, households with three or more SECC-2011 deprivations or where one or both parents are illiterate, and to monitor those students so they stay enrolled. That outreach duty does not change the hard income ceiling; it only prioritises who the State should actively find and enrol.

  If your child already receives another educational scholarship meant for Class IX–X study, the guidelines say the student may keep only one — choose and inform the head of institution. Do not assume you can stack every scheme at once.

documents:
  ["OBC \/ EBC \/ DNT category certificate as applicable","Parents\u2019\/guardians\u2019 income certificate (ceiling \u20b92.50 lakh p.a.)","Proof of Class IX or X enrolment in a Government school","Aadhaar (or alternate ID if authentication fails, as framed)","Bank account details for DBT (preferably Aadhaar-seeded)","Declaration if choosing between two Class IX\u2013X scholarships"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/PM_Yasasvi_scheme.pdf","https:\/\/socialjustice.gov.in\/schemes\/101","https:\/\/scholarships.gov.in\/"]

eligibility_text:
  You must be an Indian national belonging to OBC, EBC or DNT (DNT here means those not already covered under SC, ST or OBC, as framed), with a valid category certificate. The student should be studying Class IX or X on a full-time basis in a Government school only — private-school enrolment is outside this Pre-Matric component as written.

  Parents’/guardians’ income from all sources must not exceed ₹2,50,000 per year. Income certificate is taken once at admission to the course/stage as framed. A scholarship holder under this scheme should not hold another educational scholarship for the purpose of studying in Class IX and X; if another award appears, the student chooses one and reports it.

  Aadhaar Act conditions cited in the guidelines apply, with space to prove identity by other means if Aadhaar authentication fails so genuine children are not locked out. The award is given by the State/UT of domicile for studies in India only.

  Before you apply, confirm on NSP that your State has opened “Pre-Matric Scholarship for OBC/EBC/DNT” for the current academic year and that your school is recognised as a Government school under State rules.

how_to_apply:
  When your State opens the scheme on https://scholarships.gov.in/, complete One Time Registration if NSP requires it for your year, then fill the Pre-Matric OBC/EBC/DNT application with category, income and school details. Upload the papers your State asks for and ensure the school/institute verifies the claim online. Keep an Aadhaar-seeded bank account ready so DBT can land without repeated re-validation.

  Talk to the class teacher or school nodal teacher early — many States share NSP deadlines through schools first. If the portal shows a different YASASVI product (Top Class School / Post-Matric), stop and re-read the scheme name; applying to the wrong product wastes the window.

  Vedica does not process NSP scholarships or talk to State nodal officers on your behalf. Use only official portals and school channels, and never pay an agent for a “Pre-Matric seat”.

about_text:
  Class IX and X look small on paper, but that is often where families start choosing between school fees, notebooks and a day’s wage. The Pre-Matric Scholarship for OBC, EBC and DNT students — now housed under the PM-YASASVI umbrella — is a Centrally Sponsored push to keep those children in Government schools through secondary stage, so they have a fairer chance of moving into post-matric courses later.

  Official PM-YASASVI guidelines (umbrella PDF that includes this sub-scheme): https://socialjustice.gov.in/writereaddata/UploadFile/PM_Yasasvi_scheme.pdf
  Umbrella scheme page: https://socialjustice.gov.in/schemes/101
  Applications normally run through the National Scholarship Portal: https://scholarships.gov.in/

  Please do not confuse this with YASASVI’s Top Class School component. Pre-Matric here is a flat academic allowance for Class IX–X in Government schools. The much larger school-fee packages belong to a different YASASVI sub-scheme with its own slot and school lists. Always read the NSP listing for your State and year before assuming which product you are on.

faqs:
  [{"q":"How much is the scholarship?","a":"YASASVI Pre-Matric guidelines: consolidated academic allowance of \u20b94,000 per annum."},{"q":"Can a private-school student apply?","a":"This Pre-Matric component is framed for Government schools only. Check Top Class School \/ other State schemes separately if you study elsewhere."}]


slug: top-class-school-obc
name: Top Class School Education for OBC, EBC and DNT Students (PM-YASASVI)
short_name: Top Class School OBC
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: education
benefit_type: subsidy
audience_tags: ["student","obc","citizen"]
need_tags: ["education","scholarship","subsidy"]
apply_url: https://scholarships.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/PM_Yasasvi_scheme.pdf
lifecycle_status: active
summary:
  PM-YASASVI Central Sector support for meritorious OBC / EBC / DNT students already in identified Top Class Schools — up to ₹75,000 a year for Classes IX–X and ₹1,25,000 for Classes XI–XII towards tuition, hostel and other school charges, within State-wise slots.

benefit_text:
  Once selected within the State-wise merit and slot limit, grants cover tuition fee, hostel fee and other charges required by the school, subject to a maximum of ₹75,000 per annum per student for Class 9 and 10, and ₹1,25,000 per annum per student for Class 11 and 12.

  Funds are released directly into beneficiaries’ accounts through DBT. Guidelines say payment shall be made in one instalment to be released before 15 August each year. Students studying with this assistance should not claim another Government scheme for the same items/purposes already covered here.

  Shortlisted schools should have Aadhaar-based attendance that can integrate with a central portal if required. A real-time MIS and output–outcome monitoring linkage are described for tracking. The Ministry may contact beneficiaries by phone or visit to judge impact and decide whether grants continue.

  Selection, as written in these guidelines, works off students already studying in TCSs: they apply on NSP with marks from the final exam of the previous class; school nodal officers verify online; States confirm; then a State-wise merit list for each class is prepared separately for boys and girls and scholarships are allotted on that merit. Confirm your year’s live process on NSP — older publicity sometimes mentioned a YASASVI entrance test for related products, but this Top Class School section of the umbrella PDF describes the previous-class marks route for students already in TCSs.

documents:
  ["OBC \/ EBC \/ DNT certificate","Household income proof (less than \u20b92.5 lakh p.a.)","Proof of enrolment in an identified Top Class School","Marksheet of the final exam of the previous class","Aadhaar and bank account details for DBT","Any school fee\/hostel demand note the State or portal asks for"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/PM_Yasasvi_scheme.pdf","https:\/\/socialjustice.gov.in\/schemes\/101","https:\/\/scholarships.gov.in\/","https:\/\/static.pib.gov.in\/WriteReadData\/specificdocs\/documents\/2024\/oct\/doc20241023421901.pdf"]

eligibility_text:
  OBC, EBC or DNT students studying in an identified Top Class School, with household annual income less than ₹2.5 lakh, can be considered to the extent of slots allotted to their State and class. You need a bank account and must provide the details asked while applying.

  Merit is framed on marks obtained in the final exam of the previous class, with separate boy/girl lists and a minimum 30% share for girls overall. Without a seat in a shortlisted TCS and without a free slot in your State’s quota, this scholarship does not attach — even if income and category otherwise match.

  Because the school list and slot announcement are annual, a school that helped someone last year may or may not appear the same way this year. Always check the current TCS list and April slot notice through MoSJE / State / NSP channels before promising the fee waiver to your child.

how_to_apply:
  Confirm your school is on the current Top Class School list and that slots for your State and class have been announced. Apply on https://scholarships.gov.in/ with previous-class marksheet, income and category certificates, and bank details. Ask the school’s scholarship nodal officer to complete online verification, then follow State confirmation on the portal.

  If selected, watch for the single DBT instalment (guidelines target before 15 August) and clear school dues that the grant is meant to cover. Do not pay middlemen who claim they can “manage” TCS slots.

  Vedica does not shortlist Top Class Schools or allot State slots.

about_text:
  Some children clear tough school exams and still cannot stay in a high-performing school because the fee bill arrives every term. Top Class School Education for OBC, EBC and DNT students — under PM-YASASVI — tries to fund that premium secondary education from Class 9 through Class 12 for meritorious students whose household income stays under the scheme ceiling.

  Guidelines (inside the PM-YASASVI umbrella PDF): https://socialjustice.gov.in/writereaddata/UploadFile/PM_Yasasvi_scheme.pdf
  Scheme hub: https://socialjustice.gov.in/schemes/101
  Apply / track on https://scholarships.gov.in/

  Top Class Schools (TCSs) are shortlisted by a selection committee chaired by Joint Secretary (BC), with representation from the Department of School Education and NITI Aayog. Schools that consistently secure 100% passes in Classes 10 and 12 are the reference pool; they may be public (Central/State/Local Body), aided or private. Slot numbers for each State and class are to be announced around April each year. At least 30% of scholarships are reserved for girls.

  This is not the same product as the ₹4,000 Pre-Matric allowance, and it is also different from Top Class College. Read the NSP scheme title carefully.

faqs:
  [{"q":"What is the maximum support?","a":"Guidelines: up to \u20b975,000 per year for Classes 9\u201310 and up to \u20b91,25,000 per year for Classes 11\u201312 towards tuition, hostel and other school charges."},{"q":"Is there a girls\u2019 reservation?","a":"Yes. At least 30% of these scholarships are reserved for girls."}]


slug: bbbp
name: Beti Bachao Beti Padhao (BBBP) — Mission Shakti (Sambal)
short_name: BBBP
ministry: Ministry of Women and Child Development (convergent with Education and Health & Family Welfare)
category: women
benefit_type: other
audience_tags: ["woman","citizen","child"]
need_tags: ["women","education","other"]
apply_url: https://missionshakti.wcd.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://spniwcd.wcd.gov.in/uploads/pdf/1710061539_9xKA1jy6eB.pdf
lifecycle_status: active
summary:
  Nation-wide multi-sectoral campaign-and-convergence scheme to prevent gender-biased sex selection, protect girl children, and promote their education — now under Mission Shakti’s Sambal stream across all districts. It funds district advocacy and activities, not a personal cash scholarship to every girl.

benefit_text:
  BBBP’s benefit is societal and service-side: district-level advocacy, enrolment and awareness drives, health and education convergence, skilling outreach for girls, and year-round thematic activities under a suggested calendar. Districts receive annual allocation bands based on SRB — for example, the Operational Manual’s annex framing lists higher allocations (such as ₹40 lakh/year) for districts with SRB ≤ 918, mid bands for SRB between that and 952, and lower bands (such as ₹20 lakh/year) where SRB is higher, with special handling for newer districts — always confirm the live Mission Shakti / State release for your year.

  Funds may be used flexibly through districts, partly through districts, or at State level on behalf of districts, as authorised under Mission Shakti practice described in official replies. A portion can support advertisements and media advocacy with a convergent approach. District Action Plans, score cards and annual ranking are part of the monitoring design.

  What you should not expect: BBBP is not framed as a personal bank credit of a fixed rupee amount to every girl child nationwide the way PMMVY or a scholarship is. If your district runs a linked enrolment drive, skill camp or health camp under the BBBP calendar, that is the intended “benefit” families experience on the ground.

documents:
  ["No Central individual application dossier for a BBBP cash claim","For related scholarships or health schemes, carry the documents those schemes themselves demand","Birth registration \/ school enrolment papers help when districts run enrolment drives"]

source_urls:
  ["https:\/\/spniwcd.wcd.gov.in\/uploads\/pdf\/1710061539_9xKA1jy6eB.pdf","https:\/\/missionshakti.wcd.gov.in\/public\/documents\/whatsnew\/Mission_Shakti_Guidelines.pdf","https:\/\/missionshakti.wcd.gov.in\/"]

eligibility_text:
  There is no individual income-certificate application to “join BBBP” as a beneficiary the way you join NSP scholarships. The scheme targets the girl child and her community across all districts through multi-sectoral work — adolescents, young couples, households and local institutions are all part of the audience described in the manual.

  Girls and families benefit indirectly when districts run the mandatory and suggested activities: better birth registration focus, school enrolment drives, anaemia and nutrition messaging, skilling camps, and protection against sex selection. Frontline workers (AWW, ASHA, teachers, panchayat members) are part of the delivery chain.

  If you are looking for a named cash or scholarship entitlement for a girl student, check Sukanya Samriddhi, Pre-Matric / Post-Matric scholarships, or State girl-child schemes separately — do not treat BBBP as their substitute.

how_to_apply:
  You do not file a Central BBBP “claim form” for pocket money. Instead: follow district WCD / District Hub for Empowerment of Women announcements for camps, enrolment drives and theme-month events; use school SMC and Anganwadi meetings to ask what BBBP calendar activities are planned; for emergencies or violence, use 181 / One Stop Centre, which sit in the same Mission Shakti family.

  Elected representatives and NGOs who want to partner should work through the District BBBP / Mission Shakti committee headed by the DC/DM as described in the manual.

  Vedica does not run BBBP campaigns. For personal financial schemes for girls, open the matching scholarship or savings product pages on Vedica / official portals.

about_text:
  Beti Bachao Beti Padhao began on 22 January 2015 because India’s Child Sex Ratio and related discrimination against girls needed a whole-of-government response — not one isolated scholarship form. In the 15th Finance Commission period the scheme sits under Mission Shakti’s Sambal sub-scheme and has been expanded from a limited district set to cover all districts through multi-sectoral interventions.

  BBBP Operational Manual (adjunct to Mission Shakti guidelines): https://spniwcd.wcd.gov.in/uploads/pdf/1710061539_9xKA1jy6eB.pdf
  Mission Shakti Guidelines: https://missionshakti.wcd.gov.in/public/documents/whatsnew/Mission_Shakti_Guidelines.pdf
  Mission Shakti portal: https://missionshakti.wcd.gov.in/

  MWCD is the nodal ministry; Education and Health & Family Welfare are core partners. The Operational Manual (released around October 2022 as stated in Parliamentary material) gives States and districts an activities calendar, administrative roles, and district fund bands linked to Sex Ratio at Birth (SRB) status. This page on Vedica explains what BBBP is — and what it is not — so families do not wait for a “BBBP DBT” that the scheme was never designed to pay as a universal girl-child cash transfer.

faqs:
  [{"q":"Will my daughter get monthly BBBP money in her account?","a":"BBBP is a multi-sectoral advocacy and convergence scheme with district activity funds \u2014 not a universal personal DBT scholarship for every girl."},{"q":"Where does BBBP sit now?","a":"Under Mission Shakti\u2019s Sambal sub-scheme, expanded to all districts, with an Operational Manual guiding district calendars and administration."}]


slug: shakti-sadan
name: Shakti Sadan (Integrated Relief and Rehabilitation Home) — Mission Shakti
short_name: Shakti Sadan
ministry: Ministry of Women and Child Development
category: women
benefit_type: other
audience_tags: ["woman","citizen"]
need_tags: ["safety","housing","other"]
apply_url: https://missionshakti.wcd.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://missionshakti.wcd.gov.in/public/documents/whatsnew/Mission_Shakti_Guidelines.pdf
lifecycle_status: confirm_live
summary:
  Longer-stay relief and rehabilitation homes under Mission Shakti’s Samarthya stream for destitute, distressed and trafficked women — shelter, food, counselling, legal aid, skill training, and ₹500/month deposited in a bank account that can be used as seed money after leaving.

benefit_text:
  Residents receive shelter, food, clothing, primary health support and daily essentials. Each resident is helped to open a bank account into which ₹500 per month is deposited; that amount cannot be withdrawn during the stay, except that PMJJBY / PMSBY premiums may be paid from it if the resident wishes. On leaving, the accumulated amount plus interest is meant as seed money for a fresh start.

  Services listed for women in distress, including trafficked women and children, include: basic necessities; legal assistance via DLSA (or alternate arrangement if DLSA cannot help) for property, marital, divorce, maintenance and custody matters; medical first aid on site with weekly part-time doctor visits and medicines from management cost, plus linkage to district hospitals/HWCs/CHCs/PHCs; psycho-social counselling from the common counsellor pool under OSC oversight; education support (textbooks, uniforms, open school/e-learning where needed); and vocational training through recognised VTIs / NSDC partners, with fee reimbursement where not funded elsewhere, plus facilitation of micro-credit (SIDBI, Mudra and similar) if a resident wants to start a small enterprise.

  Children may accompany mothers: unmarried girls of any age and boys up to 12 years. Boys older than 12 are to be shifted to JJ Act / ICPS children’s homes. Stay is ordinarily up to 3 years, extendable by the District Magistrate on need; women above 55 may stay up to 5 years before shifting to old-age or similar institutions.

  Domestic-violence cases needing only short protection go to One Stop Centres first (up to 5 days); longer needs are referred onward to Shakti Sadan.

documents:
  ["Any available identity proof (helpful, not a barrier to emergency admission)","FIR \/ rescue papers \/ medical records if already prepared","Children\u2019s age proof if accompanying (for placement rules on boys above 12)","Bank account opening documents once the home facilitates the \u20b9500\/month deposit account"]

source_urls:
  ["https:\/\/missionshakti.wcd.gov.in\/public\/documents\/whatsnew\/Mission_Shakti_Guidelines.pdf","https:\/\/missionshakti.wcd.gov.in\/","https:\/\/wcd.gov.in\/"]

eligibility_text:
  Shakti Sadan is for destitute, distressed, marginalized women, victims of violence or trafficking, and others who need longer institutional care as framed — not a general working-women’s hostel (that is Sakhi Niwas) and not a walk-in hotel.

  Admission is typically through police, AHTU, OSC, District administration, CWC (for children), or recognised rescue pathways — not through a public “apply and get a bed” lottery on a Central website. There is no income ceiling published in the Shakti Sadan section the way Sakhi Niwas has monthly salary caps; need and distress drive admission.

  If you are in immediate danger tonight, call 112 or 181 first; OSC can bridge you to Shakti Sadan for longer stay.

how_to_apply:
  In an emergency, dial 181 or 112, or go to the district One Stop Centre / police Women Help Desk and ask for referral to Shakti Sadan. Anti-Human Trafficking Units and Child Welfare Committees are part of the rescue-and-referral network described in the guidelines.

  For non-emergency long-term need, contact the District Women & Child Development office or the OSC Centre Administrator and explain your situation; they coordinate placement. Carry any ID, medical or FIR papers you have — but lack of papers should not be a reason to refuse emergency protection.

  Vedica does not operate homes. If you or someone else is unsafe right now, call local emergency services.

about_text:
  When a woman needs more than five days of safety — after trafficking, abandonment, or prolonged distress — a short OSC stay is not enough. Shakti Sadan is Mission Shakti’s integrated relief and rehabilitation home. It merges the earlier Swadhar Greh and Ujjawala frameworks into one administrative design, while allowing States to house different categories of women in one building or in separate buildings on the same premises.

  Mission Shakti Guidelines: https://missionshakti.wcd.gov.in/public/documents/whatsnew/Mission_Shakti_Guidelines.pdf
  Portal: https://missionshakti.wcd.gov.in/

  Only State/UT proposals for new homes are considered for financial assistance; construction of new buildings is not funded under these guidelines — running costs including rent/management are. Older NGO-run homes outside the State system were given time until 31 March 2024 to integrate; confirm your State’s current mapped Shakti Sadan list with District WCD / OSC referrals.

  Mission Shakti documentation covers the 15th FC window 2021–22 to 2025–26 — confirm live home availability after any cycle transition.

faqs:
  [{"q":"How long can someone stay?","a":"Guidelines: ordinarily up to 3 years (DM may extend); women above 55 up to 5 years before shift to old-age or similar institutions."},{"q":"What is the \u20b9500 for?","a":"Deposited monthly in the resident\u2019s account during stay (not withdrawable then, except for optional PMJJBY\/PMSBY premiums); becomes seed money after leaving."}]


slug: smile-tg
name: SMILE — Comprehensive Rehabilitation for Welfare of Transgender Persons
short_name: SMILE TG
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: social
benefit_type: other
audience_tags: ["citizen"]
need_tags: ["education","skill","housing","other"]
apply_url: https://socialjustice.gov.in/schemes/99
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/57291728283781.pdf
lifecycle_status: active
summary:
  Central Sector SMILE sub-scheme for transgender persons: education scholarship (₹13,500), skill/livelihood support linked with PM-DAKSH, Garima Greh housing, composite medical health components, and National Portal / helpline e-services — distinct from SMILE’s separate begging-rehabilitation sub-scheme.

benefit_text:
  Education scholarship: eligible transgender students can receive ₹13,500 as a post-matric/pre-matric scholarship under the guidelines. It is paid in bulk once every academic year (from 1 April or the month of admission, whichever is later, through the exam month, including holidays), with special timing rules if admission is after the 20th of a month. Renewal follows the month after the previous award ended. Aadhaar-linked bank accounts in the same name as on the transgender certificate are encouraged for Aadhaar Payment Bridge credits.

  Skill and livelihood: the sub-scheme funds market-oriented skill development and entrepreneurship support so transgender persons can earn with dignity. Implementation is linked with PM-DAKSH and the National Portal; training may run through PM-DAKSH / NSDC pathways with Ministry support as framed.

  Housing: Garima Greh provides shelter support for transgender persons as a named component. Composite medical health covers health needs of transgender persons living in India as described in the guidelines chapter for that component. E-services include the National Portal, helpline and related awareness. Protection Cells and other welfare measures complete the package.

  Scholarship continuation depends on satisfactory progress and conduct; false statements can mean cancellation, recovery with penal interest, and blacklisting. Discontinuing studies mid-year can require refund. Slot limits apply — final selection rests with the Ministry against available slots.

documents:
  ["Transgender Identity Certificate issued through the National Portal for Transgender Persons","Self-attested photograph and Aadhaar","Age proof and last academic marksheet \/ qualification certificate","Institute verification form attested by school\/college","Parent\/guardian declaration of not availing another similar education scholarship","Aadhaar-linked bank account in the certificate name for DBT"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/57291728283781.pdf","https:\/\/socialjustice.gov.in\/schemes\/99","https:\/\/www.smile-b.dosje.gov.in\/"]

eligibility_text:
  Scholarships are open to Indian nationals who are transgender persons as evidenced through the Transgender Identity Certificate issued via the National Portal for Transgender Persons. Study must be in recognised post-matriculation / pre-matriculation courses as framed; students should not already draw another government-funded scholarship/stipend for the same purpose (free lodging/board or merit prizes may still be acceptable as written).

  Parents/guardians provide a declaration that the ward is not availing a similar education scholarship from Centre/State elsewhere. Repeating a class does not earn a second year of scholarship for that same class. Institutions must verify certificates without charging a verification fee.

  Skill, Garima Greh and medical components have their own operational criteria inside the same guidelines — confirm the live portal notices for each component before assuming scholarship rules apply unchanged to housing or medical modules.

how_to_apply:
  First obtain / use your Transgender Certificate and Identity Card through the National Portal for Transgender Persons. For scholarship, log in with the same credentials, apply online within the prescribed window, and upload photograph, age proof, transgender identity certificate, last academic qualification, Aadhaar, institute verification form and the parent/guardian declaration. Track status on the portal. Institutions verify documents; the Ministry remits scholarship by DBT.

  For skill training, follow PM-DAKSH / National Portal linkages published under SMILE. For Garima Greh or medical components, use the contacts and application paths shown on the portal and MoSJE scheme page — do not pay anyone who promises a “guaranteed Garima Greh seat”.

  Vedica does not issue transgender certificates or sanction SMILE scholarships.

about_text:
  SMILE — Support for Marginalized Individuals for Livelihood and Enterprise — is MoSJE’s umbrella Central Sector effort with two sub-schemes. This Vedica entry covers the transgender welfare sub-scheme: scholarships, skill and livelihood, composite medical support, Garima Greh housing, e-services (National Portal and helpline), Transgender Protection Cells and related welfare measures, implemented with States, urban local bodies, voluntary organisations and community groups.

  Guidelines (w.e.f. 12 February 2022): https://socialjustice.gov.in/writereaddata/UploadFile/57291728283781.pdf
  Scheme page: https://socialjustice.gov.in/schemes/99
  National Portal for Transgender Persons is the backbone for certificate, identity card and scholarship login.

  SMILE also has a separate sub-scheme for comprehensive rehabilitation of persons engaged in begging (revised again in 2025). Do not mix the two products. If you need the begging-rehabilitation pathway, use the dedicated revised guidelines on the same MoSJE scheme page rather than this transgender scholarship narrative.

faqs:
  [{"q":"How much is the education scholarship?","a":"Guidelines: \u20b913,500 as post-matric\/pre-matric scholarship for eligible transgender students, paid once per academic year as framed."},{"q":"Is SMILE only for transgender persons?","a":"No. SMILE is an umbrella with a transgender welfare sub-scheme and a separate begging-rehabilitation sub-scheme. This entry covers the transgender welfare side."}]


slug: nfsc
name: National Fellowship for Scheduled Caste Students (NFSC)
short_name: NFSC
category: education
benefit_type: subsidy
audience_tags: ["student","sc","citizen"]
need_tags: ["education","scholarship","subsidy"]
apply_url: https://nsfdc.nic.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/13931747731685.pdf
lifecycle_status: confirm_live
ministry:
  Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment (NSFDC as Central Nodal Agency)

summary:
  Central Sector research fellowship for SC scholars who clear UGC-NET-JRF or Joint CSIR-UGC NET-JRF — 2,000 fresh slots a year for M.Phil./Ph.D. in Indian UGC-recognised institutions, with monthly fellowship at par with UGC rates plus contingency and HRA as framed.

benefit_text:
  NFSC guidelines state that fellowship rates for JRF and SRF will be at par with UGC Fellowships. The guidelines PDF still prints an illustrative table of rates “applicable w.e.f. 01.01.2019” (JRF ₹31,000 / SRF ₹35,000). UGC’s own student-scheme page (verified 14.08.2026) now lists Junior Research Fellowship in Science, Humanities and Social Sciences at JRF ₹37,000 per month for two years and SRF ₹42,000 per month for the remaining period. Because NFSC is explicitly “at par with UGC”, treat the live UGC JRF/SRF figures as the fellowship benchmark and confirm the amount on your NFSC award letter / NSFDC dashboard before budgeting — do not freeze the older 2019 table as if UGC never revised rates.

  Contingency grants in the NFSC guidelines table: Humanities & Social Sciences — ₹10,000 per year for the initial two years and ₹20,500 per year thereafter; Sciences — ₹12,000 then ₹25,000. Escort/Reader assistance for physically and visually handicapped candidates: ₹2,000 per month (JRF and SRF). House Rent Allowance follows Government norms for the city where the fellow works when hostel accommodation is not provided (guidelines refer to percentage slabs such as 8% / 16% / 24% as applicable). Tenure aligns with the research programme rules framed for the fellowship (commonly up to the UGC pattern of years or thesis submission — confirm your award letter).

  Disbursement is managed through NSFDC systems with dashboard monitoring for the Ministry. Administrative cost to NSFDC is capped (guidelines cite up to 1% of total fellowship disbursed, subject to actuals).

documents:
  ["SC caste certificate","UGC-NET-JRF or Joint CSIR-UGC NET-JRF scorecard \/ qualifying proof","Ph.D.\/M.Phil. admission \/ joining documents from a UGC-recognised institution","Aadhaar and bank account for fellowship DBT","NFSC award letter and verification-cum-joining report as prescribed by NSFDC","Progress \/ continuation papers demanded for SRF upgradation"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/13931747731685.pdf","https:\/\/socialjustice.gov.in\/schemes\/29","https:\/\/nsfdc.nic.in\/","https:\/\/www.ugc.gov.in\/Fellowship\/stu_Fellowship1"]

eligibility_text:
  You must belong to the Scheduled Castes and must have qualified the National Eligibility Test–Junior Research Fellowship (NET-JRF) of UGC or the UGC–CSIR NET-JRF joint test. Fellowship is for higher studies leading to M.Phil./Ph.D. in eligible streams at UGC-recognised Indian universities/institutions/colleges. NFSC slots are limited to 2,000 fresh awards a year with the Science / Humanities split above; selection among qualified SC NET-JRF candidates follows MoSJE/NSFDC procedures for that cycle.

  Registration for M.Phil./Ph.D. must happen within the timelines your university and the fellowship rules require (UGC JRF pages commonly speak of joining/registration windows tied to the award — follow the NFSC award letter). Hosting department and guide formalities, progress reports and continuation rules apply as in research fellowships generally.

  This is not a college tuition scholarship like PMS-SC or Top Class. Without a NET-JRF qualification (or the joint CSIR path), NFSC does not open.

how_to_apply:
  First qualify UGC-NET-JRF or Joint CSIR-UGC NET-JRF and keep your scorecard and category certificate ready. Watch NSFDC / MoSJE notices for NFSC selection lists against your NET cycle (NSFDC publishes qualified-candidate lists and cut-offs for specific NET sessions). Download the award letter from the NFSC digital portal referenced by NSFDC, complete verification-cum-joining with your university, and ensure Aadhaar-seeded bank details match what NSFDC requires for DBT.

  Track monthly fellowship and contingency credits on the scholar portal; raise discrepancies through NSFDC channels listed on nsfdc.nic.in — not through agents who claim they can “manage” an NFSC seat.

  Vedica does not issue award letters or disburse fellowships.

about_text:
  Clearing NET-JRF is hard enough; staying in a research programme without a fellowship is harder. National Fellowship for Scheduled Caste Students (NFSC) exists so SC candidates who qualify UGC-NET Junior Research Fellowship or the UGC–CSIR joint NET-JRF test can pursue M.Phil. and Ph.D. in Sciences, Humanities and Social Sciences at Indian universities, institutions and colleges recognised by the UGC — with financial support that is deliberately kept at par with mainstream UGC fellowships.

  Scheme Guidelines (effective 25.11.2021; modified 13.03.2023; MoSJE PDF verified HTTP 200 on 14.08.2026): https://socialjustice.gov.in/writereaddata/UploadFile/13931747731685.pdf
  MoSJE scheme page: https://socialjustice.gov.in/schemes/29
  NSFDC implementing page: https://nsfdc.nic.in/
  Award / scholar portal commonly referenced by NSFDC: http://nfsc.nsfdcdigital.in/

  NSFDC is the Central Nodal Agency from 01.10.2022 for procedures, disbursement and monitoring. These 2,000 NFSC slots each year (500 Science stream; 1,500 Humanities & Social Sciences) are over and above SC candidates selected under normal UGC/CSIR reservation. Confirm live award lists and joining instructions on NSFDC / NFSC digital channels for your NET cycle.

faqs:
  [{"q":"How many new fellowships each year?","a":"Guidelines\/MoSJE: 2,000 new slots a year \u2014 500 Science and 1,500 Humanities & Social Sciences \u2014 over and above normal UGC reservation."},{"q":"What monthly stipend will I get?","a":"NFSC is at par with UGC. Confirm the live UGC JRF\/SRF rate on your award letter; UGC\u2019s scheme page currently lists JRF \u20b937,000 and SRF \u20b942,000 per month."}]


slug: garima-greh
name: Garima Greh (Shelter Home for Transgender Persons) — SMILE
short_name: Garima Greh
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: social
benefit_type: other
audience_tags: ["citizen"]
need_tags: ["housing","skill","safety","other"]
apply_url: https://socialjustice.gov.in/schemes/99
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/57291728283781.pdf
lifecycle_status: active
summary:
  SMILE housing component: shelter homes for transgender persons with lodging, food, medical care, counselling, recreation and skill support — typically designed around about 25 residents, run by eligible organisations with Ministry grant support.

benefit_text:
  Guidelines aim to ensure lodging and boarding, clothing, recreation, medical care and counselling inside a uniform, congenial atmosphere with rules suitable for transgender residents. Skill-development and skill-upgradation programmes are part of the design so residents can move toward employment and dignity — including linkages with skill partners and, where framed, CSR programmes that absorb candidates from Garima Greh.

  Operational design in the guidelines is built around a home of about 25 residents with a defined staff pattern (Project Director, Project Manager, accountant assistant, bridge course coordinator, counsellor, cook and assistant cook, multi-task worker, sweeper, watchmen — twelve posts listed for a 25-resident home). Infrastructure norms talk about quiet residential localities, public-transport access, ventilation, safety, prominent display of the home’s name and scheme support, biometric attendance, CCTV linked to the Garima Greh portal, and approximate space standards (for example about 50 sq ft per person in rooms/dormitory for 25 persons, plus medical/counselling, recreation, toilets, office and staff rooms within an indicative built-up envelope).

  Governance sits with a Project Management Committee headed by the organisation’s Secretary (Project Director must be from the transgender community as framed), including transgender experts, a retired government employee of Group B rank or above, and an inmate representative, meeting monthly.

  This is shelter-and-rehab support, not a monthly cash DBT identical to the SMILE education scholarship of ₹13,500.

documents:
  ["Transgender Certificate \/ Identity Card from the National Portal for Transgender Persons","Any available identity and address proof","Medical papers if ongoing treatment is needed","Court \/ referral papers if placement is directed under TG Act processes","Passport photo and emergency contact details as demanded by the home"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/57291728283781.pdf","https:\/\/socialjustice.gov.in\/schemes\/99","https:\/\/transgender.dosje.gov.in\/GarimaGreh\/About","https:\/\/grants-msje.gov.in\/display-smile-guidelines"]

eligibility_text:
  Primary residents are transgender persons in need of care and protection — including situations contemplated under the TG Act where family cannot provide care and a competent court may direct placement in a rehabilitation centre. Beneficiaries should hold / obtain identity documentation through the National Portal for Transgender Persons as required by implementing homes and Ministry processes.

  Admission is through the home’s implementing organisation / District administration pathways, not through a single national “book a bed” e-commerce flow. Capacity is limited (guideline staffing assumes ~25 residents per home). Persons already getting a similar full residential package from another scheme should not double-claim the same support.

  If you need only a scholarship or skill course without shelter, use the SMILE scholarship / PM-DAKSH linkages described on the parent SMILE entry — Garima Greh is specifically the housing arm.

how_to_apply:
  Contact a functional Garima Greh in your State (list via transgender.dosje.gov.in / District Social Welfare / National Portal helpdesk) and ask about intake, documents and waiting list. Carry your Transgender Certificate/ID from the National Portal, any medical needs note, and emergency contacts. For immediate danger, also use local police / helpline support while seeking shelter placement.

  NGOs wanting to run a new home should watch MoSJE e-Anudaan (grants-msje.gov.in) notices for Garima Greh proposals in gap States — that path is for implementing agencies, not individual residents.

  Vedica does not allot Garima Greh beds or sanction NGO grants.

about_text:
  A safe roof is often the first missing piece when a transgender person is pushed out of home or left without family support. Garima Greh — the housing component under SMILE’s transgender welfare sub-scheme — is meant to provide that roof along with food, medical care, recreation and a path into skill-building, aligned with duties under the Transgender Persons (Protection of Rights) Act, 2019 on rescue, protection and rehabilitation.

  SMILE guidelines (Garima Greh chapter): https://socialjustice.gov.in/writereaddata/UploadFile/57291728283781.pdf (also mirrored on grants-msje display pages)
  About page: https://transgender.dosje.gov.in/GarimaGreh/About
  Parent scheme: https://socialjustice.gov.in/schemes/99

  Homes are set up and run with Ministry financial support through eligible CBOs/NGOs/trusts (e-Anudaan notices invite proposals for gap States/UTs from time to time). This Vedica page is for transgender persons seeking shelter and for families/NGOs who need the official picture — not a private PG listing. Confirm which Garima Greh is currently functional in your State via the National Portal / District / MoSJE channels before travelling.

faqs:
  [{"q":"How many people can one Garima Greh typically house?","a":"SMILE guidelines staff and space norms are built around about 25 residents per home."},{"q":"Is Garima Greh the same as the \u20b913,500 scholarship?","a":"No. Scholarship is a separate SMILE education component; Garima Greh is the shelter-home component with food, care and skill support."}]


slug: day-nulm
name: Deendayal Antyodaya Yojana — National Urban Livelihoods Mission (DAY-NULM)
short_name: DAY-NULM
ministry: Ministry of Housing and Urban Affairs
category: skill
benefit_type: other
audience_tags: ["citizen","msme","woman"]
need_tags: ["skill","loan","business","housing"]
apply_url: https://nulm.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://nulm.gov.in/PDF/NULM_Mission/ESTPCompildPDF_final.pdf
lifecycle_status: confirm_live
summary:
  Urban poverty mission covering SHG mobilisation, skill training & placement (EST&P), self-employment loans with interest subsidy over 7% (SEP), shelters for the urban homeless (SUH), support to street vendors (SUSV), and City Livelihood Centres — distinct from rural DAY-NRLM.

benefit_text:
  Core components families actually meet on the ground:

  • Social Mobilisation & Institution Development (SM&ID): SHGs and area/city federations of the urban poor.
  • Employment through Skills Training & Placement (EST&P): market-oriented certified skill training for unskilled urban poor toward salaried jobs or self-employment; States may also converge with PMKVY and other skill schemes under common norms.
  • Self-Employment Programme (SEP): bank loans for individual and group micro-enterprises and SHG bank linkage with interest subsidy. RBI-circulated DAY-NULM SEP norms: interest subsidy over and above 7% p.a. on timely repayment (difference between bank rate and 7% reimbursed); additional 3% interest subvention for Women SHGs that repay on time. Individual micro-enterprise project cost ceiling ₹2 lakh; group enterprises up to ₹2 lakh per member or ₹10 lakh overall, whichever is lower; no collateral for these MSE-pattern loans as framed, with CGTMSE-type cover possible; margin money norms (nil up to ₹50,000 loan; preferably ~5% and not more than 10% above that).
  • Shelter for Urban Homeless (SUH): all-weather shelters with essential services, phased.
  • Support to Urban Street Vendors (SUSV): skills, credit enablement, pro-vending planning.
  • City Livelihood Centres (CLCs): one-stop facilitation for services, licences, marketing of SHG products, and matching skilled workers (plumbers, electricians, etc.) to city demand — ULBs may receive non-recurring support (commonly cited as ₹10 lakh in three instalments in State materials; confirm live MoHUA/ULB orders).

  SEP interest subsidy is not automatic capital subsidy — banks lend; subsidy follows timely repayment certification.

documents:
  ["Identity and urban residence proof","Urban poor \/ vulnerability \/ SHG membership papers as demanded by the ULB","For SEP: project sketch, quotations, bank KYC, and Aadhaar-seeded account","For EST&P: education\/skill papers required for the chosen course","For SUSV: vending-related IDs if the city has issued certificate of vending"]

source_urls:
  ["https:\/\/nulm.gov.in\/","https:\/\/nulm.gov.in\/PDF\/NULM_Mission\/ESTPCompildPDF_final.pdf","https:\/\/www.rbi.org.in\/commonperson\/english\/scripts\/Notification.aspx?Id=3009"]

eligibility_text:
  Primary focus is urban poor households in cities/towns covered by DAY-NULM. Prospective SEP beneficiaries are identified by Community Organisers / ULB staff, referred by SHGs or Area Level Federations, or may approach the ULB directly; banks may also identify and forward cases. For group enterprises, at least 70% of members should be from urban poor families, with a minimum of three members and not more than one person from the same family in the same group.

  EST&P targets unskilled or upskilling urban poor for local market roles. SUH serves urban homeless persons. SUSV serves urban street vendors/hawkers. Exact poverty-line / vulnerability surveys follow State/ULB DAY-NULM operational guidelines — carry local BPL/urban poor identification papers your ULB asks for.

  Rural-only households should look at DAY-NRLM instead of DAY-NULM.

how_to_apply:
  Go to your Urban Local Body’s DAY-NULM / City Mission Management Unit or the helpdesk on https://nulm.gov.in/ and ask which component you need — skill batch, SEP loan sponsorship, shelter, or street-vendor support. For SEP, submit the enterprise proposal and KYC; after bank sanction, interest subsidy is claimed through the ULB/nodal bank process on timely repayment. Banks may also sanction under PMMY-like routes and later seek ULB confirmation for DAY-NULM interest subsidy eligibility.

  For EST&P, enrol in ULB-notified training batches; do not pay agents for “NULM seats”. For night shelter, contact the ULB SUH facility list.

  Vedica does not sponsor SEP loans or run city shelters.

about_text:
  City poverty is not only about missing a job — it is missing skills, credit, a safe night shelter, and a place to sell without harassment. Deendayal Antyodaya Yojana–National Urban Livelihoods Mission (DAY-NULM) is MoHUA’s mission to reduce vulnerability of urban poor households through grassroots institutions, skilled wage work, self-employment, shelters for the homeless, and support for street vendors.

  Mission portal: https://nulm.gov.in/
  EST&P component materials: https://nulm.gov.in/PDF/NULM_Mission/ESTPCompildPDF_final.pdf
  RBI master direction / operational note on SEP interest subsidy (urban poor micro-enterprises): https://www.rbi.org.in/commonperson/english/scripts/Notification.aspx?Id=3009

  NULM was launched in 2013 (replacing SJSRY) and the enhanced mission was renamed DAY-NULM. It is the urban counterpart of DAY-NRLM (already on Vedica). Confirm live ULB / City Mission Management Unit contacts for your city before assuming a component is open this month.

faqs:
  [{"q":"Is DAY-NULM the same as DAY-NRLM?","a":"No. DAY-NULM is the urban livelihoods mission (MoHUA). DAY-NRLM is the rural livelihoods mission."},{"q":"What interest do I effectively pay on SEP?","a":"RBI\/DAY-NULM SEP framing: interest subsidy brings the effective rate down to 7% p.a. on timely repayment; Women SHGs can get an extra 3% subvention if they repay on time."}]


slug: nari-adalat
name: Nari Adalat — Mission Shakti (Sambal)
short_name: Nari Adalat
ministry: Ministry of Women and Child Development
category: women
benefit_type: other
audience_tags: ["woman","citizen"]
need_tags: ["legal_aid","safety","women","other"]
apply_url: https://missionshakti.wcd.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://missionshakti.wcd.gov.in/public/documents/whatsnew/Mission_Shakti_Guidelines.pdf
lifecycle_status: active
summary:
  Gram Panchayat–level women’s collectives (7–11 members) under Mission Shakti that offer alternate grievance redressal for petty harassment and rights issues through mediation and linkage to duty-bearers — not a parallel criminal court and not a paid job scheme.

benefit_text:
  Year one focuses on awareness of legal and constitutional rights and entitlements under schemes. Year two identifies committed, socially respected women, trains them extensively in women-related laws and schemes, and forms a formal collective of 7 to 11 members. That collective then addresses socio-economic and cultural issues faced by local women and offers alternative dispute resolution by mediation, while connecting women to duty-bearers when formal systems are needed.

  The platform is also meant for public engagement — awareness generation and feedback to improve schemes and service delivery. Members do not receive remuneration under this component; the Ministry provides out-of-pocket expenses for organising meetings and for badge/uniform for members. There is no Central honorarium table, no monthly stipend, and no “Nari Adalat salary” to apply for online.

  What Nari Adalat is not: it is not a substitute for 181 / OSC / police in emergencies, not a criminal trial court, and not a cash-transfer scheme. Serious violence, trafficking or immediate danger must still go through emergency and statutory channels. Petty neighbourhood harassment or denial of a scheme entitlement is the typical use-case the guidelines describe — not murder, rape, or custody that belongs in the criminal justice system.

documents:
  ["No mandatory Central document pack to be heard for a petty grievance","Any available ID, scheme rejection letter, or written complaint helps mediation","For referrals to courts\/police\/OSC, carry papers those offices demand"]

source_urls:
  ["https:\/\/missionshakti.wcd.gov.in\/public\/documents\/whatsnew\/Mission_Shakti_Guidelines.pdf","https:\/\/missionshakti.wcd.gov.in\/","https:\/\/wcd.gov.in\/"]

eligibility_text:
  Women in the Gram Panchayat area facing petty harassment or denial of rights/entitlements can approach the local Nari Adalat where it has been constituted. There is no Central income ceiling or online “Nari Adalat registration form” for complainants in the Mission Shakti text summarised here. Residence in that GP area and a matter that fits the “petty / rights & entitlements” frame are the practical filters; States may add local sitting rules — confirm on the ground.

  To serve as a member, a woman must be among those identified as committed and socially respected and then trained — membership is by local selection and training, not by buying a post. Members are unpaid except for permitted out-of-pocket meeting/uniform support.

  If your Panchayat has not yet launched the component, use Women Helpline 181, OSC, Protection Officer, or police as appropriate.

how_to_apply:
  Ask the Gram Panchayat office, Anganwadi / ASHA network, CSC, or District WCD whether a Nari Adalat has been formed in your GP. Attend the collective’s sitting with a clear narration of the petty grievance; they may mediate or refer you to the right duty-bearer. Carry any ID, rejection letter, or written complaint that helps the story — there is no mandatory Central document checklist for being heard. For emergencies, dial 181 or 112 first.

  Women interested in becoming members should watch District / State Mission Shakti training drives in Aspirational Districts / identified States — you cannot self-appoint.

  Vedica does not run Nari Adalats. For immediate danger, call emergency services.

about_text:
  Not every injury to a woman’s dignity needs a police station on day one — but every injury needs a door that listens. Nari Adalat is Mission Shakti’s new Sambal component for an alternate grievance-redressal mechanism at Gram Panchayat level: women collectives that take up petty matters such as harassment, subversion, or curtailment of rights and entitlements, generate awareness, and feed back into better public service delivery. It sits beside — not above — existing Sambal services such as Women Helpline 181, One Stop Centres, and Shakti Sadan, so a woman can still escalate when mediation is not enough.

  Mission Shakti Guidelines: https://missionshakti.wcd.gov.in/public/documents/whatsnew/Mission_Shakti_Guidelines.pdf
  Portal: https://missionshakti.wcd.gov.in/

  Roll-out is phased. Guidelines prefer starting in identified States/UTs — especially Aspirational Districts where elected women representatives head Gram Panchayats — with logistic support through Gram Panchayats in convergence with the Ministry of Panchayati Raj, Ministry of Rural Development, and Common Service Centres. Mission Shakti’s written frame covers 2021–22 to 2025–26; confirm whether your GP has an active Nari Adalat before assuming one exists. Vedica lists this so rural women know the name and the limit of the forum; it does not invent a nationwide launch calendar.

faqs:
  [{"q":"Do Nari Adalat members get a salary?","a":"Guidelines: no remuneration to selected members; only out-of-pocket expenses for meetings and badge\/uniform support."},{"q":"Can Nari Adalat replace the police?","a":"No. It is an alternate mediation forum for petty matters. Emergencies and serious crimes still need 181\/112\/OSC\/police."}]


slug: obc-hostel
name: Construction of Hostels for OBC Boys and Girls (PM-YASASVI)
short_name: OBC Hostel
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: education
benefit_type: other
audience_tags: ["student","obc","citizen"]
need_tags: ["education","housing","other"]
apply_url: https://socialjustice.gov.in/schemes/101
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/PM_Yasasvi_scheme.pdf
lifecycle_status: confirm_live
summary:
  Centrally Sponsored capital scheme under PM-YASASVI that funds States/UTs to build hostels for OBC students (with vacancy cascade to DNT/ST/SC/EWS) — students do not get a Central cash grant; they seek a seat in a completed hostel through State allotment rules.

benefit_text:
  For implementing agencies, revised norms applicable from 2021–22 set Central share for construction: 60% for State governments (other than North East and Himalayan States) for boys’ hostels; 90% for girls’ hostels in those States; 90% for North East and Himalayan States; 100% for UT administrations; and 100% for institutions of repute ranked in the latest NIRF rankings of the Ministry of Education (as tabulated). Indicative cost ceilings cited in guidelines: about ₹3.50 lakh per seat in North Eastern/Himalayan regions and ₹3.00 lakh per seat in the rest of the country. Construction is expected within eighteen months of work order or two years from first Central instalment, whichever is earlier. A one-time non-recurring grant of ₹2,500 per seat supports essential furniture/equipment; States may also seek ₹2,500 per seat (capped, e.g. 100 seats) once for newly built hostels funded from State resources, subject to funds.

  For students, the benefit is a hostel seat with norms for bed, study table, chair, cupboard, adequate water including potable supply, barrier-free access (ramps, accessible toilets, Braille signage as framed), open space for sports/garden, and proper staffing (female warden mandatory for girls’ hostels). At least 5% of seats should be reserved for students with disabilities.

  Panchayati Raj and Municipal bodies are to be associated in planning, execution and day-to-day management as framed.

documents:
  ["OBC certificate with non-creamy-layer status (or DNT\/ST\/SC\/EWS papers if applying under vacancy cascade)","Income proof (low-income preference)","Proof of post-matric (or secondary pre-matric) enrolment","Disability certificate if seeking the 5% reserved seats","Identity, Aadhaar and local allotment form demanded by the State hostel authority"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/PM_Yasasvi_scheme.pdf","https:\/\/socialjustice.gov.in\/schemes\/101"]

eligibility_text:
  Seat allotment (guidelines): students whose castes are on the Central/State/UT OBC list and who do not belong to the creamy layer. If OBC-reserved seats remain vacant, fill in preference order — DNT, then ST, then SC, then EWS. Hostels are essentially for post-matric students; vacant seats may take pre-matric secondary students. Equal preference for OBC students from low-income families. Disability reservation at least 5%.

  Creamy-layer and income proofs follow State OBC rules. Having an OBC certificate alone does not create a Central entitlement to cash — only a claim to be considered for a seat where a hostel exists and seats are open.

  States proposing three or more hostels in a year must include girls’ hostels to the extent framed (at least one girls’ hostel among such proposals).

how_to_apply:
  Students: ask your college / State OBC welfare or Social Justice department for the list of hostels built under this scheme and the local allotment schedule; apply with OBC (non-creamy layer) certificate, income proof, admission proof and disability certificate if claiming the 5% reservation. Do not pay agents for “hostel quota”.

  State departments / NIRF institutions: submit construction proposals with land/undertakings, PWD/CPWD estimates and PFMS-compliant utilisation as per the YASASVI hostel chapter — that path is for governments/institutions, not individual students.

  Vedica does not allot hostel beds or release construction grants.

about_text:
  A scholarship helps pay fees; a bed near college keeps a student from dropping out. Construction of Hostels for OBC Boys and Girls — a PM-YASASVI sub-scheme — is the brick-and-mortar answer: Central assistance to State/UT governments (and, in framed cases, reputed NIRF-ranked institutions) to construct hostels so OBC students, especially from low-income families, have somewhere safe to stay while studying.

  Guidelines inside the PM-YASASVI umbrella PDF: https://socialjustice.gov.in/writereaddata/UploadFile/PM_Yasasvi_scheme.pdf
  Umbrella page: https://socialjustice.gov.in/schemes/101

  This is primarily a State construction and management scheme. Families should not expect a Direct Benefit Transfer titled “OBC Hostel cash”. What you look for is a completed hostel near your institution and a seat allotment under State rules. Confirm live hostel lists with your State Social Justice / OBC welfare department.

faqs:
  [{"q":"Do I get hostel money in my bank account?","a":"No. This sub-scheme funds construction\/equipment of hostels. Students seek a seat through State allotment in a completed hostel."},{"q":"Can SC\/ST students get seats?","a":"Yes, but only if OBC seats remain vacant \u2014 then preference is DNT \u2192 ST \u2192 SC \u2192 EWS as framed."}]


slug: pm-ajay
name: Pradhan Mantri Anusuchit Jaati Abhyuday Yojana (PM-AJAY)
short_name: PM-AJAY
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: social
benefit_type: other
audience_tags: ["sc","citizen","student"]
need_tags: ["skill","housing","education","other"]
apply_url: https://pmajay.dosje.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://pmajay.dosje.gov.in/Writereaddata/Guidelines_PM-Ajay_may2023.pdf
lifecycle_status: confirm_live
summary:
  Centrally Sponsored umbrella for Scheduled Castes that merges Adarsh Gram village development, Grants-in-aid livelihood/skill/infrastructure projects, and construction/repair of SC educational hostels — largely delivered through States/districts, not as a single personal Central DBT form.

benefit_text:
  Three components frame the benefit:

  1) Adarsh Gram — SC-dominated villages (guidelines and PIB: villages with 50% or more SC population are the infrastructure-eligibility reference used for this area-based track) are taken up for integrated development so basic services and monitorable socio-economic indicators improve. Central “Gap-filling” support for newly selected villages is framed at ₹21 lakh per village (₹20 lakh Gap-filling + ₹1 lakh administrative/other expenses shared across levels). Already-covered villages may get an additional round of about ₹10 lakh after five years if conditions are met. Declaration as Adarsh Gram follows ODF status and a monitorable-indicator score of 70 or above as framed.

  2) Grants-in-aid to States/Districts — comprehensive livelihood projects (skill, asset support inside a livelihood package, related infrastructure), other SC-majority village infrastructure, residential-school capital expansion in framed cases, and special tutoring for Classes 9–12. Inside livelihood projects, where a loan is taken to create/acquire assets for SC households/groups, financial assistance up to ₹50,000 or 50% of project cost (whichever is less) may be provided — not as standalone free asset distribution. Skill and women-focused utilisation floors (for example at least 10% of SCA for skill; at least 15% on viable schemes for SC women; at least 30% women in skill programmes) are written into the May 2023 text — confirm live State Action Plans.

  3) Construction/Repair of educational hostels for SC students — continues the BJRCY purpose so rural and remote SC learners have a bed near quality education. Funding norms, Central share and repair vs new construction rules sit in the hostel chapter of the same guidelines; States propose and manage hostels — students seek allotment locally.

  Administrative expenses and MIS (including Project Implementation Units) are also provided for as framed. Always treat rupee ceilings as guideline figures and confirm the live State release for your district year.

documents:
  ["SC caste certificate (for livelihood \/ skill \/ hostel pathways)","Income \/ BPL \/ priority proof as demanded by the District project (often \u2264 \u20b92.50 lakh where priority rules apply)","Aadhaar and bank details if the project uses DBT for any individual assistance","Admission \/ residence proof for hostel allotment where seats exist","Project-specific forms issued by District \/ State implementing agency"]

source_urls:
  ["https:\/\/pmajay.dosje.gov.in\/Writereaddata\/Guidelines_PM-Ajay_may2023.pdf","https:\/\/pmajay.dosje.gov.in\/","https:\/\/socialjustice.gov.in\/schemes\/104","https:\/\/static.pib.gov.in\/WriteReadData\/specificdocs\/documents\/2025\/may\/doc202551548801.pdf"]

eligibility_text:
  For income-generating and skill interventions under Grants-in-aid, Scheduled Caste persons living below the poverty line (as adopted via Planning Commission / MoRD / PRI selection practice cited in official briefs) are the classic target; the May 2023 guidelines also say there is no fixed income limit for comprehensive livelihood projects but priority must go to families/persons with annual income not more than ₹2.50 lakh, and SC members of SC-majority groups may be covered. Infrastructure Gap-filling under Adarsh Gram is village-level: SC-dominated villages meeting the selection rules of the State/Ministry round.

  Hostel seats follow State/hostel allotment rules for SC students — this is not an NSP scholarship. Residential-school expansion under Grants-in-aid is a capital project for implementing agencies, not a parent application for school fees.

  Non-SC households in an Adarsh Gram village may enjoy common infrastructure, but livelihood cash/asset support under the SC-focused components is for the Scheduled Caste target group as framed.

how_to_apply:
  Check whether your village is listed under Adarsh Gram / PM-AJAY on https://pmajay.dosje.gov.in/ or ask the Gram Panchayat / District Social Welfare office. For livelihood or skill camps, watch District Project Appraisal / SRLM / Skill partner notices — selection is project-based, not a national lottery form. For hostel seats, apply through the State hostel / Social Welfare allotment process once a PM-AJAY-supported hostel exists near your institution.

  State departments submit Perspective Plans and component proposals to the Ministry; that path is for governments, not individual citizens.

  Vedica does not select Adarsh Grams, sanction livelihood projects, or allot hostel beds.

about_text:
  Poverty, missing village infrastructure and the long road to a hostel bed near school are different problems that used to sit in three separate Central schemes. From 2021–22 those streams — Pradhan Mantri Adarsh Gram Yojana (PMAGY), Special Central Assistance to Scheduled Castes Sub Plan (SCA to SCSP), and Babu Jagjivan Ram Chhatrawas Yojana (BJRCY) — were merged into Pradhan Mantri Anusuchit Jaati Abhyuday Yojana (PM-AJAY) so public money converges on Scheduled Caste socio-economic uplift.

  Guidelines (May 2023): https://pmajay.dosje.gov.in/Writereaddata/Guidelines_PM-Ajay_may2023.pdf
  Portal / MIS: https://pmajay.dosje.gov.in/
  MoSJE scheme page: https://socialjustice.gov.in/schemes/104
  PIB scheme brief (May 2025): https://static.pib.gov.in/WriteReadData/specificdocs/documents/2025/may/doc202551548801.pdf

  PM-AJAY is Centrally Sponsored and runs through State/UT Perspective Plans and district appraisal. Families should not expect a one-click “PM-AJAY cash” claim the way PM-KISAN works. What you may experience on the ground is a village becoming Adarsh Gram, a livelihood/skill project, or a seat in an SC hostel built or repaired under the hostel component. Confirm live village lists, project drives and hostel allotment with District Social Welfare / PM-AJAY MIS — not with agents selling “PM-AJAY cards”.

faqs:
  [{"q":"Is PM-AJAY a monthly cash transfer like PM-KISAN?","a":"No. It is an umbrella for Adarsh Gram, Grants-in-aid projects and SC hostels, delivered mainly through States\/districts."},{"q":"Which villages qualify for Adarsh Gram infrastructure?","a":"Official briefs\/guidelines use SC-dominated villages \u2014 commonly 50% or more SC population \u2014 selected in Ministry\/State rounds; confirm the live list for your district."}]


slug: shreshta
name: Scheme for Residential Education for Students in High Schools in Targeted Areas (SHRESHTA)
short_name: SHRESHTA
ministry: Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
category: education
benefit_type: scholarship
audience_tags: ["student","sc","citizen"]
need_tags: ["education","scholarship","housing"]
apply_url: https://shreshta.admissions.nic.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/21581751888031.pdf
lifecycle_status: confirm_live
summary:
  Central scheme that places meritorious SC students into selected high-quality residential schools for Classes 9 and 11 (through Class 12) via NTA’s NETS exam and web counselling — government pays school/hostel fees within scheme ceilings; schools must not charge parents extra fees.

benefit_text:
  Government releases school fee (including tuition) and hostel fee (including mess) to the school — actual charges or the scheme ceiling, whichever is less. Guidelines Table 1 ceilings per student per year: Class 9 ₹1,00,000; Class 10 ₹1,10,000; Class 11 ₹1,25,000; Class 12 ₹1,35,000. MoSJE has reiterated that SHRESHTA schools must not collect any fee or other charges from beneficiaries (books, uniform, snacks, picnic, medical, exam fee, deposits, etc.). Separate bridge-course support of up to 10% of annual fee may be paid to the school where needed, for up to about three months or as required.

  Once admitted in Class 9 or 11, funding continues through Class 12 subject to passing each year. Fee is released to schools through e-Anudaan / online process, typically targeted within 30 days of confirmed admission on the IT portal as framed. After Class 12, students are expected to link to Post-Matric Scholarship or Top Class Education schemes for further study — those are separate applications.

  What you should not pay: any agent or school asking for “SHRESHTA donation”, security deposit, or registration fee for Mode-I admission.

documents:
  ["SC caste certificate","Income certificate (parental income \u2264 \u20b92.5 lakh per year)","Class 8 \/ Class 10 marksheet as applicable for the entry class","NETS admit card \/ score and counselling registration details","Aadhaar and photographs as demanded on the admission portal","Any school reporting forms listed in the counselling schedule"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/21581751888031.pdf","https:\/\/socialjustice.gov.in\/schemes\/41","https:\/\/shreshta.admissions.nic.in\/","https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/24481746098650.pdf"]

eligibility_text:
  Mode-I student eligibility (guidelines): only SC students studying in recognised private, government or local-body schools; for Class 9 entry, must have passed Class 8 in the immediately preceding academic year; for Class 11 entry, must have passed Class 10 in the immediately preceding year; parental income not more than ₹2.5 lakh per year; caste and income certificates uploaded before web counselling; student should not already be covered under the Department’s Pre-Matric Scholarship Scheme.

  School side (for context): participating residential schools need existence of at least 5 years, more than 75% pass in Class 10 and 12 over the last three years, and capacity for at least ten additional SC students in Classes 9 and 11 together. Central government-funded schools such as NVS / EMRS (under framed exclusions) / KGBV / State government schools and schools already funded under PM-AJAY / Samagra Shiksha / PM SHRI are not covered under this Mode-I scheme.

  Seats are limited (~3,000 fresh per year in the 2023–26 table). Clearing NETS and counselling is mandatory — there is no walk-in quota sold by agents.

how_to_apply:
  Watch NTA notices for NETS registration, appear for the test, then use the SHRESHTA counselling portal (https://shreshta.admissions.nic.in/) for choice filling and seat allotment across rounds. Upload SC and income certificates before counselling. After allotment, report physically to the school within the published window; the school must admit without a further entrance test.

  Do not pay anyone claiming they can register a school under Mode-I independently of CBSE/Ministry lists, or sell Mode-II NGO entry — MoSJE’s May 2025 notice flags such offers as fraud.

  Vedica does not conduct NETS or allot SHRESHTA seats.

about_text:
  Access to a neighbourhood school is not the same as access to a high-performing residential school. SHRESHTA — Scheme for Residential Education for Students in High Schools in Targeted Areas — was designed so meritorious Scheduled Caste boys and girls can enter some of the country’s better private residential schools, complete Class 12 there, and then connect to Post-Matric or Top Class pathways for higher studies.

  Revised guidelines framed for 2023–24 to 2025–26 (embedded with MoSJE school circulars, e.g. July 2025 “no fee” letter): https://socialjustice.gov.in/writereaddata/UploadFile/21581751888031.pdf
  Scheme page: https://socialjustice.gov.in/schemes/41
  Admission / counselling portal: https://shreshta.admissions.nic.in/

  Mode-I is the citizen-facing track most families mean by “SHRESHTA”: NTA conducts the National Entrance Test for SHRESHTA (NETS); NIC runs web counselling; selected CBSE/other eligible residential schools admit Class 9 and Class 11 entrants. Mode-II continues certain NGO/VO grant-in-aid schools already in the pipeline — MoSJE has publicly warned that no new Mode-II school/hostel projects have been invited since 2021–22, and that anyone selling “SHRESHTA registration” for a fee is fraudulent.

  Seat tables in the revised guidelines list about 3,000 fresh admissions a year (1,500 Class 9 + 1,500 Class 11) through 2025–26. Confirm live NETS and counselling notices for later academic years before assuming a fresh window is open.

faqs:
  [{"q":"Can the school ask parents for uniform or picnic money?","a":"MoSJE: no fee or other charges from SHRESHTA beneficiaries; government pays actual or ceiling, whichever is less."},{"q":"How many fresh seats each year?","a":"Revised guidelines table for 2023\u201324 to 2025\u201326: about 3,000 fresh admissions a year (1,500 Class 9 + 1,500 Class 11), adjustable between classes if vacancies remain."}]


slug: nf-obc
name: National Fellowship for OBC Students (NF-OBC / NFOBC)
short_name: NF-OBC
category: education
benefit_type: subsidy
audience_tags: ["student","obc","citizen"]
need_tags: ["education","scholarship","subsidy"]
apply_url: https://nbcfdc.gov.in/nbcfdc/web/nf-obc
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
official_pdf_url: https://socialjustice.gov.in/writereaddata/UploadFile/SHREYAS%20Scheme.pdf
lifecycle_status: confirm_live
ministry:
  Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment (NBCFDC as Nodal Agency for implementation)

summary:
  Central Sector research fellowship for OBC scholars who clear UGC-NET-JRF or Joint CSIR-UGC NET-JRF — 1,000 slots a year for regular full-time M.Phil./Ph.D., with monthly fellowship at par with UGC rates plus contingency, HRA and escort/reader support as framed.

benefit_text:
  Official guidelines state that JRF and SRF rates will be at par with UGC Fellowships. Older printed tables still show illustrative rates such as JRF ₹31,000 and SRF ₹35,000 per month. Treat the live UGC JRF/SRF benchmark (UGC student-scheme pages have listed JRF ₹37,000 and SRF ₹42,000 per month — confirm on the date you read this) and your NFOBC award letter as controlling — do not freeze an old PDF table as if UGC never revised rates.

  Contingency in the SHREYAS / NFS_OBC tables: Humanities & Social Sciences — ₹10,000 per year for the initial two years and ₹20,500 thereafter; Science / Engineering & Technology — ₹12,000 then ₹25,000. Escorts/Reader assistance for physically and visually handicapped candidates: ₹2,000 per month. House Rent Allowance follows the UGC pattern for scholars without hostel accommodation (refusing an offered hostel forfeits HRA). Medical facilities, leave and maternity leave follow UGC fellowship practice as framed. Total JRF+SRF tenure shall not exceed five years.

  Disbursement is through Direct Benefit Transfer with Aadhaar seeding as required under scholarship/fellowship practice. Institutions/scholars upload documents on the Canara Bank portal under NFOBC as advised by NBCFDC; physical papers only if NBCFDC asks.

documents:
  ["OBC caste certificate (non-creamy layer as required for the NET \/ fellowship rules)","UGC-NET-JRF or Joint CSIR-UGC NET-JRF scorecard \/ qualifying proof","M.Phil.\/Ph.D. admission \/ joining documents from an eligible institution","Aadhaar and bank account for fellowship DBT","NFOBC award letter and annexures prescribed by NBCFDC \/ Canara Bank portal","Disability certificate if claiming the PwD slot consideration"]

source_urls:
  ["https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/SHREYAS%20Scheme.pdf","https:\/\/socialjustice.gov.in\/writereaddata\/UploadFile\/NFS_OBC_2020-21.pdf","https:\/\/socialjustice.gov.in\/schemes\/7","https:\/\/nbcfdc.gov.in\/nbcfdc\/web\/nf-obc","https:\/\/www.ugc.gov.in\/Fellowship\/stu_Fellowship1"]

eligibility_text:
  Candidates must belong to the Other Backward Classes and must qualify UGC-NET-JRF or the UGC–CSIR NET-JRF joint test. Fellowship is for regular and full-time M.Phil./Ph.D. only — employed candidates on study leave / Extra Ordinary Leave are excluded as framed. Placement must be in a university/institution recognised under the categories listed (UGC Act 2(f)/12(B), grant-in-aid deemed universities, State/Central funded universities, Institutions of National Importance, etc.).

  Slot design: 1,000 per year — 750 for UGC NET-JRF subjects and 250 for CSIR-UGC NET-JRF science streams — with 5% of slots reserved for consideration of OBC Persons with Disability. Award-letter validity is commonly three years from issue for joining, with commencement rules if already enrolled (later of result declaration or joining) as written in the guidelines.

  Scholars must not draw another Central/State fellowship or hold a paid appointment that conflicts with the fellowship conditions. Creamy-layer / OBC certificate rules for NET apply as notified for that examination cycle.

how_to_apply:
  Qualify UGC-NET-JRF or Joint CSIR-UGC NET-JRF as an OBC candidate and watch NBCFDC / MoSJE lists of candidates found eligible for NFOBC for your NET cycle. Download the fellowship award letter from the channels NBCFDC publishes, complete university joining/verification, and ensure Aadhaar-seeded bank details are correct for DBT.

  Institutions and scholars then follow the Canara Bank SFMP upload instructions NBCFDC posts (annexures from nbcfdc.gov.in). Raise payment issues through NBCFDC NFOBC contacts — not through agents promising a “managed” fellowship seat.

  Vedica does not issue NFOBC award letters or disburse fellowships.

about_text:
  OBC researchers who clear NET-JRF still need a fellowship that lasts through thesis years. National Fellowship for OBC Students (NF-OBC / NFOBC) — under the SHREYAS umbrella for the 2021–22 to 2025–26 frame — provides that support for regular, full-time M.Phil. and Ph.D. work in Humanities and Social Sciences, Engineering & Technology and Sciences at UGC-recognised Indian universities and institutions.

  SHREYAS / NF-OBC guidelines: https://socialjustice.gov.in/writereaddata/UploadFile/SHREYAS%20Scheme.pdf
  Central Sector guidelines (effective April 2019): https://socialjustice.gov.in/writereaddata/UploadFile/NFS_OBC_2020-21.pdf
  MoSJE scheme page: https://socialjustice.gov.in/schemes/7
  NBCFDC NFOBC page: https://nbcfdc.gov.in/nbcfdc/web/nf-obc

  NBCFDC is the nominated nodal agency for implementation and disbursement (Canara Bank Scholarship Fellowship Management Portal / SFMP is commonly used for scholar–institution uploads). Selection is tied to merit in UGC-NET-JRF and CSIR-UGC NET-JRF cycles. These 1,000 NFOBC slots are over and above OBC candidates selected under normal UGC fellowship reservation. Confirm live award lists and joining instructions on NBCFDC / MoSJE channels for your NET cycle.

faqs:
  [{"q":"How many NFOBC slots each year?","a":"Guidelines: 1,000 per year \u2014 750 UGC NET-JRF stream and 250 CSIR-UGC NET-JRF science stream \u2014 over and above normal UGC OBC reservation."},{"q":"What monthly stipend will I get?","a":"NFOBC is at par with UGC. Confirm the live UGC JRF\/SRF rate on your award letter; do not rely only on older \u20b931,000\/\u20b935,000 printed tables."}]


slug: swd-scholarships
name: Scholarships for Students with Disabilities (Central Sector Umbrella)
short_name: SwD Scholarships
category: education
benefit_type: scholarship
audience_tags: ["student","pwd","citizen"]
need_tags: ["education","scholarship","other"]
apply_url: https://scholarships.gov.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
ministry:
  Department of Empowerment of Persons with Disabilities (DEPwD), Ministry of Social Justice and Empowerment

summary:
  Central Sector umbrella of six components for students with benchmark disability (40%+): Pre-Matric, Post-Matric, Top Class, National Overseas, National Fellowship and Free Coaching — fixed annual slots, income ceilings by component, applications mainly via NSP for school/college components.

benefit_text:
  Illustrative rates from the revised guidelines (confirm live PDF for your year):

  Pre-Matric — maintenance ₹800/month hostellers or ₹500/month day-scholars; disability allowance ₹4,000/year for visual impairment/intellectual disabilities or ₹2,000/year for other disabilities; book allowance ₹1,000/year. Parental income ceiling ₹2.5 lakh; about 17,000 slots including renewals; 50% earmarked for girls as tabulated.

  Post-Matric — reimbursement of admission/tuition up to ₹1.40 lakh per annum (actuals); miscellaneous compulsory fees up to ₹10,000/year; maintenance ₹1,200/month hostellers or ₹650/month day-scholars; same disability-allowance pattern as Pre-Matric at ₹4,000/₹2,000; book allowance ₹1,500/year. Income ceiling ₹2.5 lakh; about 17,000 slots including renewals; 50% girls as tabulated.

  Top Class — fee reimbursement up to ₹1.90 lakh/year; miscellaneous and one-time grants (including aids/assistive devices up to framed ceilings, with ADIP non-duplication note); maintenance ₹3,000/month hostellers or ₹1,500 day-scholars; book allowance ₹5,000/year. Income ceiling ₹8 lakh; about 300 slots including renewals.

  National Overseas — limited slots (guidelines cite 20 + ongoing) with ₹8 lakh income ceiling; National Fellowship — about 200 + ongoing, no income ceiling, fellowship rates aligned to UGC-style JRF/SRF tables in the same PDF (e.g. ₹37,000/₹42,000 with contingency bands); Free Coaching — about 1,000 slots, ₹8 lakh income ceiling. Never claim two Central scholarships for the same purpose.

documents:
  ["Valid disability certificate (benchmark disability 40%+) \/ UDID as demanded","Income certificate of parent\/guardian within the component ceiling","Aadhaar, photograph and bank account for DBT","Fee receipts and last academic marksheet \/ promotion proof for renewal","Institute verification on NSP (for Pre\/Post-Matric\/Top Class)","Component-specific papers (offer letter, overseas admission, NET, coaching enrolment) as applicable"]

official_pdf_url:
  https://cdnbbsr.s3waas.gov.in/s367763e6d78db80457e7a4bc97b64cdc3/uploads/2025/03/20250313462693715.pdf

source_urls:
  ["https:\/\/cdnbbsr.s3waas.gov.in\/s367763e6d78db80457e7a4bc97b64cdc3\/uploads\/2025\/03\/20250313462693715.pdf","https:\/\/depwd.gov.in\/en\/scholarship\/","https:\/\/scholarships.gov.in\/"]

eligibility_text:
  Open to Indian nationals with benchmark disability — 40% or more disability as defined in the Rights of Persons with Disabilities Act, 2016 — with a valid disability certificate (and UDID practice as DEPwD notifies for linked schemes). Pre-Matric requires regular full-time study in Classes IX–X in a government or recognised school. Post-Matric covers recognised post-matriculation courses with stated exceptions (no second same-stage degree in a different subject; correspondence/distance allowed as framed; employed students only for fee reimbursement if combined income stays within ceiling).

  A scholarship holder under this umbrella must not draw another scholarship/stipend for the same purpose. Repeating a class does not earn a second scholarship year for that class. Mere eligibility does not guarantee an award — slots are capped and merit commonly uses percentage of disability (with special handling for Specific Learning Disability where percentage is not marked).

  Top Class, Overseas, Fellowship and Free Coaching each add institute lists, exam, or research conditions inside the same guidelines — read the component chapter before applying.

how_to_apply:
  For Pre-Matric, Post-Matric and Top Class: apply on the National Scholarship Portal (https://scholarships.gov.in/) when DEPwD opens the year, upload photograph, age proof, disability certificate, income certificate, fee receipts and last academic marksheet, and get the institute to verify. Disbursement runs through PFMS/DBT to the student.

  For National Fellowship / Overseas / Free Coaching, follow the separate notices and portals cited on https://depwd.gov.in/en/scholarship/ (NFPwD selection lists are published there). Do not pay agents for “guaranteed” DEPwD slots.

  Vedica does not sanction SwD scholarships or run NSP verification.

about_text:
  A disability certificate should open doors to education, not close them when fees and books arrive. DEPwD’s Central Sector umbrella “Scholarships for Students with Disabilities” bundles six components so learners with benchmark disability can move from Class 9 through postgraduate study, overseas degrees, research fellowships and free coaching under one policy frame.

  Revised guidelines (March 2025 revision package on DEPwD CDN; also September 2024 revision path): https://cdnbbsr.s3waas.gov.in/s367763e6d78db80457e7a4bc97b64cdc3/uploads/2025/03/20250313462693715.pdf
  DEPwD scholarship page: https://depwd.gov.in/en/scholarship/
  Apply (Pre/Post-Matric/Top Class etc. as notified): https://scholarships.gov.in/

  Components: (i) Pre-Matric (Classes IX–X); (ii) Post-Matric (Class XI to postgraduate degree/diploma); (iii) Top Class Education in DEPwD-notified institutes of excellence; (iv) National Overseas Scholarship; (v) National Fellowship for M.Phil./Ph.D. in Indian universities; (vi) Free Coaching for Group A/B/C recruitment exams and professional entrance tests. Slot numbers are fixed; renewals are processed before fresh cases. This Vedica page emphasises the school/college scholarships most families seek first, while pointing researchers and overseas applicants to the same umbrella PDF.

faqs:
  [{"q":"What disability percentage is required?","a":"Guidelines: benchmark disability of 40% or more under the RPwD Act, 2016, with a valid disability certificate."},{"q":"Is Post-Matric income ceiling the same as Top Class?","a":"No. Post-Matric (and Pre-Matric) use \u20b92.5 lakh parental income; Top Class \/ Overseas \/ Free Coaching use \u20b98 lakh as tabulated; National Fellowship has no income ceiling."}]


slug: pmgsy-iv
name: Pradhan Mantri Gram Sadak Yojana Phase-IV (PMGSY-IV)
short_name: PMGSY-IV
ministry: Department of Rural Development, Ministry of Rural Development
category: rural
benefit_type: other
audience_tags: ["citizen","farmer"]
need_tags: ["rural","other"]
apply_url: https://omms.nic.in/
source: central
last_verified_on: 2026-08-14 00:00:00
created_at: 2026-08-14 17:15:51
updated_at: 2026-08-14 17:15:51
verification_status: verified
lifecycle_status: active
summary:
  Centrally Sponsored rural roads programme (Phase IV, Dec 2024 guidelines) to give all-weather connectivity to about 25,000 eligible unconnected habitations based on Census 2011 population thresholds — habitations do not “apply for a road”; States survey, prioritise and build through SRRDA/OMMAS.

benefit_text:
  The benefit is an all-weather road (negotiable in all weathers with limited permitted interruptions at cross-drainage) linking an eligible unconnected habitation to an already connected habitation or existing all-weather road, preferably also tying in nearby government education, health, market and growth centres where feasible. Guidelines target about 25,000 such habitations nationally under Phase IV.

  Population thresholds (Census 2011): 500+ in plain areas; 250+ in Hill States/UTs and North-Eastern Region and Special Category Areas (Tribal Schedule-V, Desert, Aspirational Blocks/Districts); 100+ in LWE-affected districts (MHA-notified areas) in nine States as framed. Habitations within 500 metres (1.5 km path distance in Hills) are clubbed for population size; border-block cluster rules extend further in Hill States as written.

  New connectivity under PMGSY-IV is allowed only for States/UTs that demonstrate, via the eMARG platform, that routine maintenance of earlier PMGSY roads after the first five years has been carried out. Roads continue to carry a five-year maintenance contract with the construction contract; design life thinking remains ten years with further State maintenance obligations. Green and alternate technologies are encouraged in DPRs. Funding follows SNA SPARSH instructions of the Department of Expenditure for releases to States/UTs.

  What PMGSY-IV is not: upgradation of an already all-weather-connected habitation merely because the present road is in poor condition; that habitation is not eligible for a second “new connectivity” under the guiding principles.

documents:
  ["No Central individual document pack \u2014 habitation eligibility is survey\/Census based","Panchayat\/habitation representations may help State survey teams correct omissions","For grievance on a sanctioned work, keep work code \/ package details from OMMAS"]

official_pdf_url:
  https://cdnbbsr.s3waas.gov.in/s3d9ff90f4000eacd3a6c9cb27f78994cf/uploads/2025/04/202504171296783958.pdf

source_urls:
  ["https:\/\/cdnbbsr.s3waas.gov.in\/s3d9ff90f4000eacd3a6c9cb27f78994cf\/uploads\/2025\/04\/202504171296783958.pdf","https:\/\/pmgsy.nic.in\/","https:\/\/omms.nic.in\/"]

eligibility_text:
  The unit is a habitation (cluster of population — desam, dhani, tola, majra, hamlet), not a revenue village or Panchayat title alone. An unconnected habitation of the designated population size must sit at least 500 metres (1.5 km path distance in Hills) from an all-weather road or connected habitation. Habitations that already received all-weather connectivity earlier are ineligible even if today’s surface is bad. Earthen formations without adequate cross-drainage, and certain Hill Stage-I formations without crust, may still qualify as needing connectivity as framed.

  Citizens do not self-certify eligibility online for a personal entitlement. States identify eligible habitations through survey directions of NRIDA, update the District Rural Roads Plan / Core Network on OMMAS and GeoSadak, and prioritise proposals (including tribal-majority village priorities under Dharti Aaba Janjatiya Gram Utkarsh Abhiyan convergence notes in the guidelines).

  If your habitation is already on an all-weather road, ask the Panchayat/PWD about maintenance — not about a fresh PMGSY-IV “new connectivity” sanction.

how_to_apply:
  There is no household application form to “claim a PMGSY road”. Escalate through the Gram Panchayat / Block / District Rural Development / SRRDA if you believe an eligible unconnected habitation was missed in the survey; track sanctioned works and habitation coverage on OMMAS citizen views (https://omms.nic.in/). Transect walks and DPR stages are government processes with community participation as designed — attend when the PIU calls a walk rather than paying a middleman for a “road file”.

  Contractors and consultants follow tender and SBD routes published by SRRDA/NRIDA — that is not a citizen benefit pathway.

  Vedica does not sanction rural roads or alter OMMAS habitation lists.

about_text:
  A dry-weather cart track is not connectivity when the monsoon cuts a habitation off from school, PHC and market. Pradhan Mantri Gram Sadak Yojana has been India’s flagship rural roads programme since 25 December 2000. Phase IV responds to habitations that became eligible as populations grew: the Budget announcement framed connectivity for about 25,000 rural habitations newly eligible under Census 2011 population counts.

  Programme Guidelines (PMGSY-IV), December 2024: https://cdnbbsr.s3waas.gov.in/s3d9ff90f4000eacd3a6c9cb27f78994cf/uploads/2025/04/202504171296783958.pdf
  NRIDA / PMGSY home: https://pmgsy.nic.in/
  Citizen / OMMAS: https://omms.nic.in/

  PMGSY-IV is implemented through National Rural Infrastructure Development Agency (NRIDA) and State Rural Road Development Agencies (SRRDAs) with GIS planning on GeoSadak, the PMGSY Gram Sadak Survey App, and PM Gati Shakti. It is deliberately coordinated so road works do not duplicate PM-JANMAN or Vibrant Villages Programme connectivity components. This Vedica page explains what “eligible unconnected habitation” means — and why there is no Central “apply for my village road” form for households.

faqs:
  [{"q":"Can I apply online for a road to my house?","a":"No. PMGSY-IV connects eligible unconnected habitations through State survey and SRRDA proposals \u2014 not through a personal Central application."},{"q":"What population makes a habitation eligible?","a":"Census 2011 thresholds in the Dec 2024 guidelines: generally 500+ plains, 250+ hills\/NER\/special areas, 100+ in notified LWE districts of nine States \u2014 with clustering rules as framed."}]


