Staying updated with the latest government schemes is crucial for Indians who want to benefit from financial assistance, jobs, education support, health coverage, and economic opportunities. In 2026, the Government of India and various state governments have rolled out or updated several high-impact schemes that can help citizens across age groups and income segments.
Here’s your complete guide to the biggest government schemes of 2026 — what they offer, who can apply, and how to apply.
📌 1. Pradhan Mantri Awas Yojana (PMAY) – Housing for All
Benefits: Subsidy for building or buying a house.
Eligibility: Indian citizen, no pucca house, income criteria applies.
How to Apply:
- ✔ Visit PMAY official portal
- ✔ Fill application
- ✔ Upload Aadhaar, income proof, land papers.
Purpose: Help economically weaker sections own a home.
📌 2. PM-KISAN Samman Nidhi
- Benefits: ₹6,000 per year direct income support to farmers.
- Eligibility: Small & marginal farmers with valid land records.
- Application: Register via PM-KISAN website with Aadhaar & bank details.
- Category: Farmer welfare & support.
📌 3. Ayushman Bharat Health Scheme
Benefits: Up to ₹5 lakh free hospitalization care per family per year.
Eligibility: Based on socio-economic criteria/AP card.
How to Apply:
- ✔ Get Ayushman Card
- ✔ Visit nearest health center/hospital.
Purpose: Universal health coverage.
The Economic Times Hindi
📌 4. e-Shram Card & Social Security
Benefits: Social security, accident insurance & future pension benefits for unorganized workers.
Eligibility: Workers aged 16+, not contributing to EPF/ESIC, Indian citizen.
How to Apply:
- ✔ e-Shram portal or CSC centers
- ✔ Upload Aadhaar & bank details.
Purpose: Protect informal sector workers.
📌 5. Prime Minister Internship Scheme (PMIS)
Benefits: Internships in top companies — bridging academics & industry.
Eligibility: Students/young professionals (criteria vary by internship).
Application:
- ✔ Register on PMIS portal
- ✔ Select internship
- ✔ Apply online
Outcome: Skill & experience building.
📌 6. Atal Pension Yojana (APY)
Benefits: Guaranteed pension of ₹1,000–₹5,000/month after 60.
Eligibility: 18–40 yrs, bank account linked with Aadhaar.
Application:
✔ Open APY account via bank with consent for auto-debit.
Purpose: Retirement stability.
📌 7. Viksit Bharat–Guarantee for Rozgar & Ajeevika Mission (Gramin) Act, 2025
Benefits: Guarantee of 125 days rural work & livelihood support.
Eligibility: Rural households with adult members seeking work.
Apply:
Through rural development employment offices/Gram Panchayat.
Objective: Revamped version of MGNREGA with stronger livelihood security.
📌 8. Haryana Dayalu / Deen Dayal Upadhyay Scheme
Benefits: ₹1–₹5 lakh financial help in crisis (loss of breadwinner/disaster).
Eligibility: Haryana residents fulfilling conditions.
Apply:
Through department portals/online forms before deadline.
📌 9. Modified Deen Dayal Lado Lakshmi Scheme (Haryana)
Benefits: Up to ₹2,100 monthly for eligible women (cash + deposit).
Eligibility: Women with specific income limits and conditions.
Application:
State govt welfare portals.
📌 10. Tractor Subsidy Scheme (Haryana)
Benefits: Up to ₹3 lakh subsidy on new tractor.
Eligibility: Farmers meeting criteria.
Application:
Apply before the deadline through agriculture department.
📌 11. Employment & Startup Support Schemes
✔ CM Yuva Udyami Yojana (UP) – Interest-free loan up to ₹5 lakh for youth business. �
✔ Atmanirbhar Bharat Rojgar/ National Career Service Programs – Job creation & job matching support.
✔ Startup India schemes – Grants & tax relief for entrepreneurs.
Directorate General of Employment
Startup India
📄 General Tips to Apply Online
🔹 Use official portals like:
myscheme.gov.in –
One-stop search & eligibility checking portal.
e-Shram, PM Kisan, PMAY, Ayushman Bharat official sites. myscheme.gov.in
🔹 Keep documents ready:
📌 Aadhaar, PAN, bank details
📌 Income proof, caste/domicile certificate
📌 Photograph & mobile number
🔹 Visit Common Service Centers (CSCs) if you can’t apply online.
📌 Conclusion
These schemes aim to provide financial support, housing, health coverage, employment opportunities, pensions, agricultural aid, and social security to millions of Indians in 2026. Many schemes have direct benefit transfer (DBT) to bank accounts, making access easier and transparent.
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