central government schemes
The central government of India has announced and operates numerous schemes in 2025 to support various sectors including agriculture, rural development, social welfare, health, education, infrastructure, and entrepreneurship. Key schemes announced in the 2025 Union Budget and ongoing programs include:
- **Prime Minister Dhan-Dhaanya Krishi Yojana**: Supporting about 1.7 crore farmers in low-productivity districts to improve agricultural productivity.
- **Rural Prosperity and Resilience Programme**: Multi-sectoral initiatives to generate rural employment and invigorate the rural economy through technology and skilling.
- **National Mission for Edible Oilseed** and **Aatmanirbharta in Pulses**:
Aimed at achieving self-sufficiency in edible oils and pulses, including support for procurement by central agencies
- **Entrepreneurship Scheme for Women and SC/ST Entrepreneurs**:
Providing term loans up to Rs. 2 crore with capacity building.
- **Saksham Anganwadi and Poshan 2.0 Programme**:
Nutritional support for children, lactating mothers, and adolescent girls.
- **Bharatiya Bhasha Pustak Scheme**:
Offering digital Indian language books for schools and higher education.
- **Identity Cards and Health Coverage for Gig Workers**:
Registration on e-Shram portal and healthcare under PM Jan Arogya Yojana.
- **Affordable and Mid-Income Housing Fund (SWAMIH Fund 2)**:
To complete 1 lakh housing units targeting middle-class families.
- **Micro, Small, and Medium Enterprises (MSME) Support**:
Enhanced limits for turnover and investment to improve access to credit and technology.
- **Kisan Credit Cards (KCC)**:
Facilitating loans for farmers, fishermen, and dairy farmers with increased loan limits.
- **Startups Fund of Funds**:
Continued support with fresh Rs. 10,000 crore contributions.
- **Atal Tinkering Labs**:
50,000 labs in government schools to foster innovation.
- **PM SVANidhi Scheme**:
Support and loans for street vendors.
- **Jal Jeevan Mission**:
Ensuring potable tap water for rural households, targeted for 100% coverage by 2028.
- **UDAN Scheme**:
Enhancing regional connectivity through development of airports and routes.
- **PM Gati Shakti Portal and National Geospatial Mission**:
Data infrastructure to assist infrastructure projects and urban planning.
- **Employment Growth in Tourism and Research Fellowships**:
Promoting tourism-linked employment and research in premier institutes.
Other ongoing flagship schemes include Ayushman Bharat (healthcare), Digital India, Skill India, Jan Dhan Yojana (financial inclusion), Pradhan Mantri Kisan Samman Nidhi (support for farmers), PM Formalization of Micro Food Processing Enterprises, Rashtriya Gram Swaraj Abhiyan, and schemes supporting Scheduled Castes and Tribes, among others. These schemes cover a wide array of social, economic, and developmental goals across India [1][2][3][4].
Major welfare schemes list
Here is a list of major welfare schemes by the Central Government of India in 2025 that cover various social security, health, employment, nutrition, housing, and agricultural support domains:
- **Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)**:
Income support to farmers with an annual payment to small and marginal farmers.
- **National Rural Livelihood Mission (NRLM)**: Empowering rural poor through self-help groups, skill development, and livelihood support.
- **Saksham Anganwadi and Poshan 2.0**: Nutrition support to children, lactating mothers, and adolescent girls.
- **Atal Pension Yojana**:
Voluntary pension scheme mainly for unorganized sector workers.
- **Pradhan Mantri Jan Arogya Yojana (PM-JAY/Ayushman Bharat)**:
Health coverage for poor and vulnerable families, providing secondary and tertiary healthcare.
- **Antyodaya Anna Yojana**:
Food security for the poorest households.
- **Skill India Mission**:
Enhancing employability of youth through vocational training and certifications.
- **Jan Dhan Yojana**:
Financial inclusion via access to banking and insurance services for the underprivileged.
- **Pradhan Mantri MUDRA Yojana**:
Loans and credit access for micro and small enterprises.
- **SWAMIH Fund 2**:
Housing support for affordable and mid-income families.
- **e-Shram Portal and Gig Worker Welfare**: Registration and social security for informal sector workers.
- **Kisan Credit Cards (KCC)**:
Credit support for farmers, fishermen, and dairy farmers.
- **MGNREGA (Mahatma Gandhi National Rural Employment Guarantee Act)**: Employment guarantee for rural households
- **Digital India and e-Governance Schemes**: Digital empowerment and better access to government services.
- **Social Security Welfare Schemes for marginalized groups**: Including Scheduled Castes, Scheduled Tribes, women, and elderly welfare programs.
- **Mission for Atmanirbharta in Pulses and Edible Oils**: Enhancing self-reliance in key agricultural products.
These schemes form the backbone of India's social welfare framework targeting vulnerable and economically weaker sections for inclusive growth and economic security
Atal Pension Yojana scheme details
The Atal Pension Yojana (APY) is a government-backed pension scheme launched in 2015 aimed at providing a **defined minimum monthly pension** to Indian citizens aged 18 to 40 years, particularly targeting workers in the unorganized sector.
Key Features:
- Subscribers can choose a guaranteed monthly pension amount: **Rs. 1,000, 2,000, 3,000, 4,000, or 5,000** upon reaching the age of 60.
- The monthly pension continues for the lifetime of the subscriber and after their death, the spouse receives the same pension.
- After the death of both the subscriber and the spouse, the accumulated pension corpus is returned to the nominee.
- Contributions are auto-debited from the subscriber’s bank/post office savings account.
- Contribution amounts vary depending on the pension amount chosen and the age of joining, ranging from about Rs. 42 to Rs. 210 per month if joining at age 18, and higher if joining at older ages, with a minimum contribution period of 20 years.
- Income taxpayers are not eligible for APY from October 2022 onwards.
- The scheme offers tax benefits under section 80CCD of the Income Tax Act.
- The government guarantees the minimum pension even if the investment returns are lower than expected; if returns exceed expectations, the subscriber receives the benefit of higher returns.
- Spouse can continue the contributions in case of subscriber’s death before 60 years to avail pension benefits.
- Enrollment requires a savings bank account and Aadhaar is used for identity verification and updates.
Summary of Benefits on Attaining 60 Years:
- Guaranteed minimum pension amount as chosen (Rs. 1,000 to Rs. 5,000 monthly).
- Spouse receives the same pension after subscriber's death.
- Pension corpus returned to nominee after death of subscriber and spouse.
The scheme is administered by the Pension Fund Regulatory and Development Authority (PFRDA) and uses the infrastructure of the National Pension System (NPS) for enrolment and fund management.
This scheme is designed to ensure **old-age income security** for unorganized sector workers and offers easy accessibility through banking channels
0 Comments: