Sarkari Yojana List 2024: Central & State Schemes

Sarkari Yojana List 2024: In a diverse and rapidly developing nation like India, the government launches numerous initiatives, or “Sarkari Yojanas,” to ensure the benefits of growth reach every corner of society. These schemes are powerful tools designed to uplift various sections—be it farmers, women, students, entrepreneurs, or senior citizens. However, with hundreds of schemes running simultaneously at the Central and State levels, finding the right one for you or your family can be a daunting task.

This is where a comprehensive and well-organized Sarkari Yojana list becomes invaluable. This ultimate guide is more than just a list; it’s your one-stop resource to understand, access, and benefit from the government programs that can transform your life. We have meticulously categorized schemes for your convenience, explained their key features, and provided direct links for easy application.

Let’s embark on this journey of empowerment.

Why is a Sarkari Yojana List Important?

A Sarkari Yojana list acts as a bridge between the government’s welfare measures and the common citizen. Many eligible beneficiaries miss out on crucial financial aid, scholarships, insurance, and other support simply because they are unaware of the existence of these schemes. A centralized list:

• Promotes Awareness: It spreads information about schemes that can significantly improve quality of life.

• Prevents Exclusion: Ensures that benefits reach the intended beneficiaries, reducing the information gap.

• Simplifies Access: Provides clear details on eligibility, benefits, and application procedures in one place.

• Encourages Empowerment: Enables citizens to claim their rights and avail opportunities for growth.

How to Use This Sarkari Yojana List Effectively

1. Identify Your Category: Are you a student, a farmer, a woman, or a senior citizen? Start by finding the section most relevant to you.

2. Read the Scheme Details: Don’t just look at the name. Understand the objective, key benefits, and eligibility criteria.

3. Check Official Links: We have provided links to the official government portals for each major scheme. Always refer to these for the most accurate and updated information.

4. Gather Necessary Documents: Most schemes require documents like Aadhaar Card, Income Certificate, Caste Certificate, Bank Account details, etc. Keep them handy.

5. Apply Online or Offline: Follow the application process mentioned on the official website or visit your nearest Common Service Centre (CSC) for assistance.

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Part 1: Major Central Government Schemes (Sarkari Yojana)

The Government of India launches pan-India schemes to address national priorities. Here is a detailed list of the most impactful Central Sarkari Yojanas.

A. Sarkari Yojana for Farmers & Agriculture

The backbone of India’s economy, the agricultural sector, is supported by several key schemes.

1. Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)

• Objective: To provide financial support to small and marginal farmers.

• Key Benefits: ₹6,000 per year in three equal installments of ₹2,000 each, directly into the bank accounts of eligible farmer families.

• Eligibility: Small and marginal landholder farmer families with combined landholding up to 2 hectares.

• Official Website: https://pmkisan.gov.in/

2. Pradhan Mantri Fasal Bima Yojana (PMFBY)

• Objective: To provide insurance coverage and financial support to farmers in the event of crop failure due to natural calamities, pests, or diseases.

• Key Benefits: Affordable premiums with the majority subsidized by the government. Ensures farmers don’t face financial ruin due to crop loss.

• Eligibility: All farmers, including sharecroppers and tenant farmers.

• Official Website: https://pmfby.gov.in/

3. Pradhan Mantri Krishi Sinchayee Yojana (PMKSY)

• Objective: To expand irrigation coverage and improve water use efficiency (Per Drop More Crop).

• Key Benefits: Provides end-to-end solutions in irrigation, including water sources, distribution, and efficient application methods.

• Eligibility: Individual farmers, groups of farmers, and cooperatives.

B. Sarkari Yojana for Women Empowerment

These schemes are aimed at ensuring the safety, health, and financial independence of women in India.

1. Beti Bachao Beti Padhao (BBBP)

• Objective: To address the declining Child Sex Ratio and empower the girl child through education and welfare services.

• Key Benefits: Promotes the value of the girl child, ensures her survival, protection, and education.

• Eligibility: Girl children, their parents, and the community at large.

2. Pradhan Mantri Matru Vandana Yojana (PMMVY)

• Objective: To provide partial compensation for wage loss to women during childbirth and childcare.

• Key Benefits: A cash incentive of ₹5,000 in three installments for the first living child. The total amount is ₹6,000 if linked with the Janani Suraksha Yojana.

• Eligibility: Pregnant Women and Lactating Mothers (PW&LM) for the first living child.

• Official Website: https://pmmvvy.gov.in/

3. Sukanya Samriddhi Yojana (SSY)

• Objective: A small-deposit savings scheme for the future education and marriage expenses of a girl child.

• Key Benefits: High-interest rates, tax benefits under Section 80C, and a long-term savings plan. The account can be opened by the parent/guardian in the name of the girl child until she turns 10.

• Eligibility: Indian girl child below the age of 10 years.

C. Sarkari Yojana for Students & Education

Education is the key to unlocking potential. These schemes make quality education accessible to all.

1. National Scholarship Portal (NSP)

• Objective: A one-stop solution for various scholarships offered by the Central Government, State Governments, and Union Territories.

• Key Benefits: Simplifies the scholarship application process, provides timely disbursement of funds, and ensures transparency.

• Eligibility: Varies from scholarship to scholarship (based on merit, merit-cum-means, caste, etc.).

• Official Website: https://scholarships.gov.in/

2. PM Young Achievers Scholarship Award Scheme for Vibrant India (PM-YASASVI)

• Objective: To provide scholarships to eligible candidates from Other Backward Classes (OBC), Economically Backward Classes (EBC), and Denotified Nomadic Tribes (DNT) categories.

• Key Benefits: Scholarship for Pre-Matric and Post-Matric studies, including top-class school and college education.

• Eligibility: Students belonging to OBC, EBC, DNT categories.

D. Sarkari Yojana for Health & Wellness

A healthy nation is a productive nation. These schemes provide a safety net for healthcare expenses.

1. Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)

• Objective: To provide health insurance coverage of ₹5 Lakh per family per year for secondary and tertiary care hospitalization to over 10 crore poor and vulnerable families.

• Key Benefits: Cashless treatment at empaneled hospitals across India. Covers pre-existing diseases from day one.

• Eligibility: Families identified from the Socio-Economic Caste Census (SECC) 2011 data.

• Official Website: https://pmjay.gov.in/

2. Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP)

• Objective: To provide quality generic medicines at affordable prices to all.

• Key Benefits: Generic medicines available at 50-90% lower prices than equivalent branded medicines through Jan Aushadhi Kendras.

• Eligibility: All citizens.

E. Sarkari Yojana for Housing & Infrastructure

These schemes aim to provide “Housing for All” and improve urban and rural infrastructure.

1. Pradhan Mantri Awas Yojana (PMAY) – Urban & Gramin

• Objective: To provide affordable housing to the urban and rural poor by the year 2024.

• Key Benefits: Financial assistance in the form of interest subsidy on home loans for construction/acquisition of a house.

• Eligibility: Economically Weaker Sections (EWS), Low-Income Groups (LIG), and Middle-Income Groups (MIG) as defined by the scheme.

• Official Website (Urban): https://pmay-urban.gov.in/

2. Swachh Bharat Abhiyan (SBA) – Urban & Gramin

• Objective: To achieve a clean and Open Defecation Free (ODF) India.

• Key Benefits: Construction of household and community toilets, solid waste management, and improving overall sanitation.

F. Sarkari Yojana for Financial Inclusion & Entrepreneurship

These schemes promote savings, provide pension security, and encourage entrepreneurship.

1. Pradhan Mantri Jan Dhan Yojana (PMJDY)

• Objective: To ensure access to financial services like banking, savings, credit, insurance, and pension in an affordable manner.

• Key Benefits: Zero-balance bank account, RuPay debit card, overdraft facility, and accident insurance cover.

• Eligibility: Any Indian citizen, especially the unbanked population.

2. Pradhan Mantri MUDRA Yojana (PMMY)

• Objective: To provide loans up to ₹10 Lakh to non-corporate, non-farm small/micro enterprises.

• Key Benefits: Loans are given under three categories: Shishu (up to ₹50,000), Kishore (₹50,001 to ₹5 Lakh), and Tarun (₹5,00,001 to ₹10 Lakh).

• Eligibility: Small business units, shopkeepers, fruit/vegetable vendors, artisans, etc.

3. Atal Pension Yojana (APY)

• Objective: To provide a guaranteed minimum pension to citizens in the unorganized sector.

• Key Benefits: Guaranteed pension of ₹1,000 to ₹5,000 per month after the age of 60, based on the contribution.

• Eligibility: Any Indian citizen between 18-40 years of age with a savings bank account.

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Part 2: Important State Government Schemes (Rajya Sarkari Yojana)

While Central schemes have a wide reach, State Governments also launch innovative programs tailored to their specific needs. Here are a few notable examples.

• Telangana: Rythu Bandhu Scheme: Provides investment support to farmers (₹10,000 per acre per year for both Rabi and Kharif seasons).

• Delhi: Mukhyamantri Teerth Yatra Yojana: Facilitates free pilgrimage for senior citizens.

• West Bengal: Swasthya Sathi Scheme: A health insurance scheme providing basic coverage for secondary and tertiary care.

• Madhya Pradesh: Ladli Behna Yojana: Provides financial assistance of ₹1,000 per month to women for their empowerment.

• Uttar Pradesh: Kanya Sumangala Yojana: Provides conditional cash transfers to families at various stages of a girl child’s life from birth to graduation.

It is crucial to check your respective state’s official website for a complete and updated list of schemes applicable to you.

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Part 3: How to Apply for Sarkari Yojanas: A Step-by-Step Guide

The application process for most schemes has been simplified through digital India initiatives.

Method 1: Online Application (Most Common)

1. Visit the Official Portal: Always use the official website link provided for the scheme (e.g., PM-KISAN, NSP, PMJAY). Beware of phishing sites.

2. Register/Login: Create an account using your mobile number, email, or Aadhaar number.

3. Fill the Application Form: Carefully enter all details like name, address, Aadhaar, bank account information, etc. Double-check for errors.

4. Upload Required Documents: Scan and upload necessary documents like proof of identity, address, income, caste, etc., in the specified format and size.

5. Submit the Application: Review all details and submit the form. Note down the application number for future tracking.

6. Track Application Status: Use the application number on the portal to track the status of your application.

Method 2: Offline Application (Through CSC)

1. Visit a Common Service Centre (CSC): Locate your nearest CSC. These are internet-enabled access points set up across the country.

2. Consult the Village Level Entrepreneur (VLE): The VLE will guide you about the scheme and help you with the application process.

3. Provide Biometric Authentication: Your Aadhaar details will be authenticated using biometrics (fingerprint/iris scan).

4. Submit Documents: Provide physical copies of your documents to the VLE for scanning and uploading.

5. Pay the Service Fee: A nominal fee may be charged for the service.

6. Receive Acknowledgment: You will receive a receipt or acknowledgment slip with an application number.

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Part 4: Common Challenges & Solutions in Availing Sarkari Yojanas

Despite the best efforts, beneficiaries sometimes face hurdles.

• Challenge 1: Lack of Awareness.

  • Solution: Use resources like this article, the official National Government Services Portal (an outer link to a high-authority .gov site), and local government offices to stay informed.

• Challenge 2: Digital Illiteracy and Lack of Internet Access.

  • Solution: Seek help from family members, friends, or visit your nearest CSC where trained staff can assist you.

• Challenge 3: Documentation Issues.

  • Solution: Ensure all your documents like Aadhaar, bank account, and caste certificates are updated and linked. You can visit a Seva Kendra for document-related services.

• Challenge 4: Delays in Benefit Transfer.

  • Solution: Regularly check the status on the official portal. Ensure your bank account is active and your Aadhaar is correctly seeded with the scheme and your bank. If delays persist, use the grievance redressal mechanism on the portal.

Grievance Redressal

Most government portals have a dedicated “Grievance” or “Contact Us” section. You can register your complaint online. Additionally, you can contact the CPGRAMS (Centralized Public Grievance Redress and Monitoring System) portal for grievances related to Central Government schemes.

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Conclusion: Your Benefits Await

The Government of India, along with State Governments, has launched a plethora of Sarkari Yojanas with the noble intention of empowering every citizen. These schemes are not just policies on paper; they are lifelines that can provide financial security, improve health, foster education, and encourage entrepreneurship. The key is to be proactive.

Use this comprehensive Sarkari Yojana list as your starting point. Dive deeper into the schemes that fit your profile. Share this knowledge with your community. By taking that first step of awareness, you are not just claiming a benefit; you are actively participating in the nation’s progress. Remember, an informed citizen is an empowered citizen.