Finance Government Schemes List (2026)
Explore all verified Finance government schemes for students, farmers, youth, and citizens. Check required documents, benefits, and apply online.
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Verified Welfare & Subsidy Programs
Sukanya Samriddhi Yojana (SSY)
A long‑term savings scheme for the girl child offering a government‑backed interest rate and tax deduction under Section 80C.
Mukhyamantri Yuva Swarozgar Yojana (Uttar Pradesh)
Financial assistance of up to Rs. 25 Lakhs (manufacturing) or Rs. 10 Lakhs (service) with a 25 % margin‑money subsidy for unemployed youth of Uttar Pradesh to establish micro‑enterprises.
Pradhan Mantri Mudra Yojana (PMMY)
Collateral-free loans up to Rs. 10 Lakhs under Shishu, Kishor, and Tarun categories for micro enterprises.
PM SVANidhi (Micro Credit Scheme for Street Vendors)
Collateral‑free working‑capital loans up to Rs 50,000 for street vendors, with a 7 % interest subsidy and digital transaction cashback incentives.
Bihar Laghu Udyami Yojana
Provides a one‑time grant of Rs 2 lakh to eligible low‑income households in Bihar for establishing micro‑enterprises.
Pradhan Mantri Jan Dhan Yojana (PMJDY)
National mission for financial inclusion ensuring access to savings accounts, remittance, credit, insurance, and pension services.
Atal Pension Yojana (APY)
A pension scheme for workers in the unorganized sector that guarantees a monthly pension of Rs 1,000 to Rs 5,000 after the subscriber attains the age of 60.
Stand-Up India Scheme
Bank loans between Rs. 10 Lakhs and Rs. 1 Crore to at least one SC/ST and one woman entrepreneur per bank branch.
Mukhyamantri Udyami Yojana (Bihar Consolidated)
The Mukhyamantri Udyami Yojana (MUY) consolidates four sub‑schemes to provide a total financial assistance of Rs 10 Lakhs per eligible project, split equally between a non‑repayable grant and an interest‑free loan, for eligible youth, women, and SC/ST/OBC/EBC candidates in Bihar.
One District One Product (ODOP) Finance Scheme – Uttar Pradesh
Provides margin‑money subsidy and credit linkage to artisans and enterprises manufacturing district‑specific heritage products in Uttar Pradesh.
Kisan Credit Card (KCC) Scheme – Short‑Term Agricultural Credit Facility
The Kisan Credit Card Scheme provides timely, collateral‑free short‑term credit to farmers for cultivation, post‑harvest expenses, and allied activities such as dairy, fisheries and poultry.
Emergency Credit Line Guarantee Scheme (ECLGS)
The Emergency Credit Line Guarantee Scheme (ECLGS) offers a 100 % guarantee cover to scheduled commercial banks and NBFCs for additional working‑capital loans to distressed enterprises, facilitating collateral‑free financing at concessional rates.
Bihar Artisan & Cooperative Credit Support Scheme
Provides credit cards to registered weavers, potters and craftsmen in Bihar and offers subsidised loans through cooperative societies for procurement of raw materials and modern tools.
Dairy & Fisheries Entrepreneurship/Financial Assistance (UP)
Provides subsidized loans for establishing dairy farms, milk processing centers, and aquaculture units in UP.
Agriculture Interest Subvention & Rural Support (NABARD)
Provides short‑term crop loans at subsidised interest and refinance support for rural infrastructure through NABARD’s cooperative network.
Bihar Self Employment Loan Scheme
State‑channelized loan assistance through commercial and cooperative banks for unemployed youth to start local services.
Uttar Pradesh Handloom Credit Interest Subvention and Startup Seed Funding Scheme
Provides interest subvention on working capital loans for handloom weavers and monthly sustenance allowance for DPIIT-recognized technology startups in Uttar Pradesh.
Chief Minister Gramodyog Rozgar Yojana (UP)
Provides loans up to Rs. 15 Lakhs to rural youth for setting up cottage and village industries in UP.
Bihar Agriculture & Dairy/Fisheries Credit Assistance Scheme
Provides short‑term cooperative credit, interest subsidies on agricultural machinery, and capital assistance for dairy unit establishment in Bihar.
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
A renewable one‑year term life insurance scheme that provides a death cover of Rs. 2 lakh to eligible bank account holders.
Jeevika Self‑Help Group Financial Assistance & Startup Fund (Bihar)
Provides seed capital, revolving funds and subsidised bank‑loan linkages to women‑led self‑help groups in Bihar.
National Pension System (NPS)
A voluntary, defined‑contribution retirement savings scheme administered by the Pension Fund Regulatory and Development Authority (PFRDA) to facilitate systematic long‑term savings for old age.
Employees' Pension Scheme & Deposit Linked Insurance (EPS & EDLI)
Statutory social security scheme administered by the Employees' Provident Fund Organisation (EPFO) providing pension benefits and a life‑insurance cover to employees in the organised sector.
Credit Guarantee Fund Scheme (CGTMSE)
A collateral‑free credit guarantee facility extended by the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) to enable micro and small enterprises (MSEs) to obtain bank loans up to Rs. 5 crore.
Women Self Help Group Bank Linkage & Cooperative Support (UP)
Facilitates micro-credit linkages and community funds for women self-help groups through cooperative networks in UP.
UP MSME Interest Subsidy Programmes
Interest subsidy and refund schemes for MSME units taking capital loans for technology upgradation and quality testing in UP.
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
A one‑year accidental death and disability insurance scheme, renewable annually, with coverage of up to Rs. 2 lakhs for death or total permanent disability and Rs. 1 lakh for partial permanent disability, at a premium of Rs. 20 per annum.
Senior Citizens Savings Scheme (SCSS)
A government‑backed savings instrument that provides senior citizens with a secure, high‑yield investment option and quarterly interest payouts on a lump‑sum deposit.
Public Provident Fund (PPF)
Long‑term, government‑backed savings scheme offering tax‑free interest and capital protection.
Deendayal Antyodaya Yojana – NRLM & NULM Finance
Provides revolving fund, community investment fund, and interest subvention on bank loans to women Self‑Help Groups (SHGs) under NRLM (rural) and NULM (urban).
PSB Loans in 59 Minutes
In-principle loan approval in 59 minutes for MSME loans up to Rs. 5 Crore from public sector banks.
Vishwakarma Shram Samman Yojana (Uttar Pradesh)
The scheme provides free skill up‑gradation training, certified tool‑kits and subsidised credit to traditional artisans of Uttar Pradesh.
Jan Suraksha Enrollment Campaign 2026-27
Nationwide drive to enroll eligible bank account holders under PMJJBY, PMSBY, and APY for life, accident insurance, and guaranteed pension coverage.
Uttar Pradesh Yuva Swarozgar Yojana and ODOP Margin Money Scheme (FY 2026-27)
UP Government to launch online registration for margin money subsidies up to ₹6.25 lakh and credit-linked loans for youth self-employment and ODOP artisans in FY 2026-27.
Startup India Seed Fund Scheme (SISFS) & Prime Minister's Employment Generation Programme (PMEGP) - FY 2026-27
Central government schemes offering seed funding up to Rs 20 lakh for DPIIT-recognized startups and credit-linked subsidies up to 35% for new micro-enterprises under PMEGP for FY 2026-27.
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
Provides collateral-free credit guarantee cover up to ₹5 crore for loans extended by Member Lending Institutions to Micro and Small Enterprises.
Pradhan Mantri Mudra Yojana (PMMY) & PM SVANidhi Scheme - Credit Cycle 2026-27
Annual credit targets for Mudra (Shishu, Kishor, Tarun) and SVANidhi (2nd/3rd tranche) loans to micro-enterprises and street vendors for FY 2026-27.
Bihar Udyami Yojana & Laghu Udyami Yojana 2026-27
Bihar Government invites online applications for Udyami Yojana (SC/ST/EBC/Women/Youth) and Laghu Udyami Yojana offering project loans up to ₹10 lakh and micro-grants of ₹2 lakh for 2026-27.
Stand-Up India & PM Vishwakarma Registration Drives 2026-27
National drives to enroll SC/ST/women entrepreneurs under Stand-Up India and traditional artisans under PM Vishwakarma for bank credit and skill support.