India is known for its diverse population and socio-economic challenges. To support various sections of society, the Indian government regularly introduces welfare schemes and yojanas that focus on education, employment, health, agriculture, women’s empowerment, and more. In this article, we bring you a complete and updated list of the top 10 Government Schemes & Yojanas in 2025 that every citizen should know about.
Whether you’re a student, farmer, worker, or entrepreneur, there’s something for everyone in this list. Let’s explore them in detail.
📌 1. PM Vishwakarma Yojana 2025
Launched: 2023 (Updated for 2025)
Ministry: Ministry of Skill Development & Entrepreneurship
This scheme is dedicated to traditional artisans and craftsmen like blacksmiths, cobblers, tailors, and carpenters. It provides loan assistance, skill training, and digital empowerment.
Benefits:
- ₹3 lakh loan support in two tranches
- 5% interest subsidy
- Free skill training and ₹500 per day during training
- Toolkit incentive of ₹15,000
- Digital onboarding and marketing support
Who Can Apply: Artisans involved in 18 trades, like sculpting, toy-making, etc.
Apply Online: https://pmvishwakarma.gov.in
📌 2. PM Kisan Samman Nidhi Yojana
Launched: 2019
Ministry: Ministry of Agriculture & Farmers Welfare
A flagship scheme for farmers, it provides direct income support of ₹6,000 per year in three equal installments.
Benefits:
- Direct DBT of ₹2,000 every 4 months
- Assured yearly income for small and marginal farmers
- Nearly 12 crore farmers have benefited
Eligibility: Small and marginal land-owning farmers
Apply Online: https://pmkisan.gov.in
📌 3. Ayushman Bharat – PM Jan Arogya Yojana (PMJAY)
Launched: 2018
Ministry: Ministry of Health & Family Welfare
It is the world’s largest health assurance scheme, providing free treatment up to ₹5 lakh per family per year.
Benefits:
- ₹5 lakh annual health coverage
- Covers over 10 crore poor families
- Cashless treatment in empaneled hospitals
- All pre-existing conditions are covered
Eligibility: As per the SECC 2011 database
Apply Online: https://pmjay.gov.in
📌 4. Pradhan Mantri Awas Yojana (Urban & Rural)
Launched: 2015
Ministry: Ministry of Housing and Urban Affairs
A mission to provide housing for all by 2025, especially targeting low-income and rural populations.
Benefits:
- Interest subsidy up to ₹2.67 lakh on home loans
- Assistance to build/repair homes in rural and urban areas
- Priority to women, SC/ST, EWS families
Eligibility: Families without a pucca house
Apply Online: https://pmaymis.gov.in
📌 5. E-Shram Card Yojana 2025
Launched: 2021
Ministry: Ministry of Labour & Employment
Designed for unorganised sector workers, the e-Shram card provides accident insurance and other welfare benefits.
Benefits:
- ₹2 lakh accidental insurance
- Integration with future government schemes
- National database of workers
Eligibility: All unorganised workers aged 16–59
Apply Online: https://eshram.gov.in
📌 6. PM Mudra Yojana
Launched: 2015
Ministry: Ministry of Finance
This scheme offers collateral-free business loans up to ₹10 lakh to small and micro enterprises.
Types of Loans:
- Shishu: Up to ₹50,000
- Kishor: ₹50,000 to ₹5 lakh
- Tarun: ₹5 lakh to ₹10 lakh
Eligibility: Startups, MSMEs, traders, and women entrepreneurs
Apply at banks or online: https://mudra.org.in
📌 7. Sukanya Samriddhi Yojana (SSY)
Launched: 2015
Ministry: Ministry of Finance
A long-term savings scheme aimed at the education and marriage of a girl child.
Benefits:
- 8.2% interest rate (as of Q1 2025)
- Tax-free returns under 80C
- Maximum investment ₹1.5 lakh/year
Eligibility: Girl child aged 0–10 years
Openan account in: Post offices, public/private sector banks
📌 8. Namo Drone Didi Yojana 2025
Launched: 2024
Ministry: Ministry of Rural Development
Focused on empowering rural women, this scheme provides them with drone training and financial assistance to offer agri-drone services.
Benefits:
- Training and certification for women SHG members
- ₹8–10 lakh drone grant support
- Promotes modern farming and women-led development
Eligibility: Women from SHGs registered under NRLM
📌 9. Ujjwala Yojana 2.0
Launched: 2016 (Updated 2021)
Ministry: Ministry of Petroleum and Natural Gas
Provides free LPG gas connections to women from BPL households.
Benefits:
- Free gas connection and first refill
- ₹200 subsidy per 14.2 kg refill
- Safer and cleaner cooking fuel
Eligibility: BPL families, SC/ST households
Apply Online: https://pmuy.gov.in
📌 10. PM SVANidhi Yojana
Launched: 2020
Ministry: Ministry of Housing and Urban Affairs
Supports street vendors by providing easy access to working capital loans.
Benefits:
- Initial loan of ₹10,000
- On-time repayment gives eligibility for ₹20,000 and then ₹50,000
- Cashback and digital incentives
Eligibility: All street vendors identified in urban areas
Apply Online: https://pmsvanidhi.mohua.gov.in
🔎 Why You Should Know These Yojanas?
✅ You could be missing financial benefits you’re eligible for.
✅ Knowing the right scheme helps you or your family get better support.
✅ Digital India has made it easier to apply online for all these schemes.
📥 Bonus: How to Apply for Government Schemes Online?
Here are common steps to follow:
- Visit the official scheme portal (listed above).
- Register using Aadhaar and your mobile number.
- Fill in the application form with the correct details.
- Upload required documents (ID, income proof, etc.).
- Submit and take a printout of the acknowledgment.
🔗 Internal Links (Add on Your Blog):
- Top AI & Digital Trends in India 2025
- Government Free Online Courses 2025
- Finance Tips for Middle-Class Families
- PM Modi’s Vision for Digital India
✅ Conclusion
The Indian Government has been actively launching transformative yojanas and schemes for every citizen. From health to housing, women’s empowerment to entrepreneurship – there’s a scheme that can change your life. Make sure to check your eligibility and apply for the right scheme.
👉 Share this article with others so they can benefit too.
💬 Have questions? Ask in the comments or contact us directly!
