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Key Welfare Schemes — Central Government
6.1 Income and Livelihood
| Scheme |
Target Group |
Benefit |
Scale |
| PM-KISAN |
All farmers with land |
Rs 6,000/year (3 installments direct transfer) |
11 crore+ families; Rs 3.24 lakh crore disbursed |
| PM Fasal Bima Yojana (PMFBY) |
Farmers |
Crop insurance at 1.5-2% premium; government subsidises rest |
5.6 crore+ farmer claims settled; Rs 1.55 lakh crore paid (2016-24) |
| PMMY (Mudra) |
Micro enterprises |
Shishu (Rs 50K), Kishore (5L), Tarun (10L), Tarun+ (20L) |
50 crore+ loans; Rs 28 lakh crore disbursed since 2015 |
| PM SVANidhi |
Street vendors |
Working capital loans Rs 10,000 → Rs 50,000; no collateral |
65 lakh+ loans; 1.5 crore vendors registered |
6.2 Housing and Water
| Scheme |
Target |
Status (2025) |
| PMAY-G (Gramin) |
2.95 crore rural houses |
2.55 crore completed; 91 lakh in PMAY-G 2.0 |
| PMAY-U (Urban) |
1.18 crore urban houses |
~1 crore completed; PMAY-U 2.0 (2024-29) for 1 crore more |
| Jal Jeevan Mission |
19.28 crore rural households tap water |
15.05 crore (78%) functional connections; Rs 67,000 crore/year |
| SBM (Swachh Bharat) |
ODF India (no open defecation) |
12.5 crore toilets built; India declared ODF October 2019; ODF+ phase ongoing |
6.3 Energy and Connectivity
| Scheme |
Benefit |
Achievement |
| PM Ujjwala Yojana |
Free LPG connection to BPL women |
10.33 crore connections |
| Saubhagya (PMGSY) |
100% rural household electrification |
Achieved April 2018 (28.9 million households electrified) |
| PM-KUSUM |
Solar pumps + grid-connected solar for farmers |
34 lakh solar pumps installed/sanctioned |
| BharatNet |
Optical fibre to gram panchayats |
2.14 lakh GPs connected (2025) |
6.4 Social Protection
| Scheme |
Beneficiary |
Benefit |
| PM Jan Dhan Yojana (PMJDY) |
Unbanked adults |
Zero-balance bank account, RuPay card, Rs 2L accident insurance, overdraft |
| PM Jeevan Jyoti Bima (PMJJBY) |
18-70 yr bank account holders |
Rs 2 lakh life insurance at Rs 436/year premium |
| PM Suraksha Bima (PMSBY) |
18-70 yr bank account holders |
Rs 2 lakh accident insurance at Rs 20/year premium |
| Atal Pension Yojana (APY) |
18-40 yr unorganised sector workers |
Monthly pension Rs 1,000-5,000 at 60; 6.57 crore subscribers (2024) |
| National Social Assistance Programme (NSAP) |
Elderly poor, widows, disabled |
Indira Gandhi pension schemes: Rs 200-500/month centre share |
