In a country as diverse and vast as India, the government has rolled out several schemes to support citizens in different stages of life.
From students and farmers to entrepreneurs and senior citizens, these initiatives are designed to uplift and empower. However, not everyone is aware of these benefits or how to access them.
In this post, we will walk you through five key government schemes in 2025 that you should definitely know about. Whether you’re a working professional, a parent, or a small business owner, one of these might just help you save money, plan better, or secure your future.
1. PM Vishwakarma Yojana
For: Traditional artisans and craftsmen
This scheme, launched to empower skilled workers and preserve traditional crafts, is a game-changer for artisans across India.
Key Benefits:
- Financial support up to ₹3 lakh at low interest
- Skill training with a stipend of ₹500 per day
- Free toolkit worth ₹15,000
- Digital onboarding and support through PM Vishwakarma portal
Who Can Apply:
Carpenters, blacksmiths, goldsmiths, potters, masons, tailors, and other traditional artisans.
Why It Matters:
It brings dignity and recognition to age-old Indian crafts, helping lakhs of families improve their income and skills.
2. Atal Pension Yojana (APY)
For: Workers in the unorganised sector
If you don’t have a pension plan, this is one of the easiest and safest options available in India today.
Key Benefits:
- Monthly pension between ₹1,000 and ₹5,000 after the age of 60
- Government co-contribution for eligible beneficiaries
- Tax benefits under 80CCD(1)
Who Can Apply:
Anyone between 18 to 40 years with a savings bank account and Aadhaar.
Why It Matters:
For daily wage workers and informal sector employees, this plan helps build a retirement corpus with minimal monthly contributions.
3. PM Surya Ghar: Muft Bijli Yojana
For: Homeowners looking to save on electricity
This solar rooftop scheme was revamped in 2024 to make solar energy more accessible for middle-class and lower-income households.
Key Benefits:
- Subsidy of up to ₹78,000 for installing rooftop solar panels
- Up to 300 units of free electricity every month
- Online application and monitoring via official portal
Who Can Apply:
Any residential household with ownership documents and a roof suitable for solar panels.
Why It Matters:
With rising electricity bills, this scheme is not just about savings but also about contributing to a greener future.
4. PM Jan Dhan Yojana
For: Financial inclusion and banking for all
This scheme continues to be a lifeline for millions, especially in rural areas, by ensuring access to basic banking services.
Key Benefits:
- Zero balance savings account with RuPay debit card
- Accidental insurance cover of ₹2 lakh
- Overdraft facility of up to ₹10,000
- Direct Benefit Transfers (DBT) for subsidies and welfare schemes
Who Can Apply:
Anyone over 10 years of age with valid identity proof.
Why It Matters:
Jan Dhan accounts empower people to save, receive subsidies directly, and avoid exploitation from local money lenders.
5. Startup India Scheme
For: Entrepreneurs and small business owners
India’s startup ecosystem has grown massively, and the government is backing it with this powerful scheme.
Key Benefits:
- Tax holiday for 3 consecutive years
- Easier compliance and fast-track patent filing
- ₹10,000 crore fund for startups via SIDBI
- Self-certification for 6 labor laws and 3 environmental laws
Who Can Apply:
Innovative startups recognized by DPIIT, less than 10 years old, and with turnover under ₹100 crore.
Why It Matters:
It creates an ecosystem where innovation is rewarded and entrepreneurs have the financial and legal support to grow.
Final Thoughts
These five schemes are more than just policies. They are lifelines, opportunities, and safety nets that can make a real difference in people’s lives. Whether you’re a student dreaming of starting a business or a farmer preserving a family tradition, knowing about these programs gives you a head start.
Pro tip: Always apply through official government websites or verified centers to avoid fraud.
Frequently Asked Questions
Q. Are these schemes free to join?
Yes, most of them are either free or have minimal registration charges. Read the terms carefully on the official sites.
Q. Where can I apply?
Visit portals like https://www.mygov.in, https://www.india.gov.in, or specific scheme websites for each program.
Q. Can I apply for more than one scheme?
Absolutely. Many people benefit from multiple schemes depending on their eligibility.
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