List of Union Government Schemes for Individual in India

In India, there are various government schemes launched from time to time for the benefits of an individual. The schemes launched by the Central Government are the Union Government Schemes for Individuals. These schemes concentrate on providing financial and social security benefits for an individual in India. 

List of Union Government Schemes for Individuals in India

Each Union Government Schemes for Individuals provides benefits in certain areas of their life. Some schemes grant financial security while others aim to provide socio-economic measures. The tables below lists the Union Government Schemes for Individuals in India.

Union Government Schemes for Individuals are launched for the purpose of improving the livelihood of the people and providing security for leading a better life. The beneficiaries covered under most of the individual schemes are the rural people, urban poor, low-income families, economically backward sections or weaker sections of the society. Here is a detailed brief of a few important Union Government Schemes in India.

Atal Pension Yojana

Atal Pension Yojana is a pension scheme which aims at providing pension to the unorganised sector of the society such as the maids, gardeners, delivery boys, employees who do not receive pension benefits from company, etc. This scheme provides options for getting a fixed pension starting from Rs.1,000 to Rs.5,000 on attaining the age of 60 years. 

Ayushman Bharat Yojana

Ayushman Bharat Yojana is a health protection scheme which provides health insurance to the citizens of India. Under this scheme, insurance coverage of up to Rs.5 lakh on a family floater basis is provided to the beneficiaries every year. The insurance coverage provided is for receiving primary, secondary, and tertiary healthcare services. The poor deprived rural families and identified occupational category of urban workers’ families based on the Socio-Economic Caste Census (SECC) are eligible to avail this scheme as beneficiaries.

Beti Bachao Beti Padhao

Beti Bachao Beti Padhao is a national campaign to save girl child and reduce the low sex ratio in India. It aims to address the declining Child Sex Ratio (CSR) and related women empowerment issues. There will be implementation of innovative interventions or actions by the districts as per their local needs, sensibilities and context under this campaign.

Deen Dayal Upadhyaya Antyodaya Yojana

Deen Dayal Upadhyaya Antyodaya Yojana (DAY) is the integration of two Government schemes, i.e., National Urban Livelihoods Mission (NULM) and National Rural Livelihoods Mission (NRLM). The aim of DAY is the upliftment of the urban and rural poor by providing them skill development and enhancement of their sustainable livelihood opportunities. 

Digital India Programme

Digital India Programme was launched to strengthen online infrastructure and includes plans to connect rural areas with high-speed internet networks. Under this programme, various infrastructure and service initiatives are undertaken, such as Bharat Broadband Network, DigiLocker, Bharat Interface for money, e-Pathshala, Aadhar Enabled Payment System, Smart Cities, etc.

Jal Jeevan Mission

Jal Jeevan Mission aims to provide safe and adequate drinking water to households in rural areas. It facilitates functional household tap connections and water supply to every rural household in India. It also focuses on developing water sources and treating and supplying water in partnership with other stakeholders. 

National Digital Health Mission

National Health Mission was launched to provide easy access to affordable health care and tackle communicable as well as non-communicable diseases. Various initiatives have been launched under this mission, such as ASHAs and Rogi Kalyan Samitis in rural and urban areas to bridge between the community and the healthcare system and uphold the quality of services.

National Education Policy (NEP) Related Schemes

National Education Policy (NEP) 2020 was launched to transfor education sector in India. It ensures universal access at all levels of schooling, quality early childhood care and education for all children and new curricular and pedagogical structure corresponding to the age groups of 3 to18 years. Various NEP related schemes have been launched under this policy, such as PM Schools for Rising India, NIPUN Bharat, PM e-VIDYA, DIKSHA portal and Samagra Shiksha scheme.

National Social Assistance Programme (NSAP)

National Social Assistance Programme (NSAP) is a pension scheme implemented in rural and urban areas. This programme comprises five schemes: Indira Gandhi National Old Age Pension Scheme, Indira Gandhi National Disability Pension Scheme, Indira Gandhi National Widow Pension Scheme, Annapurna and National Family Benefit Scheme. Under these five schemes, BPL persons and widows are provided pension ranging from Rs.200 to Rs.500.

PM-KISAN

PM-KISAN is a scheme which provides benefits for farmers in three installments throughout the year. All landholder farmers’ families are eligible to receive benefits under this scheme. Eligible farmers receive Rs.6,000 annually directly to their bank accounts.

Prime Minister’s Employment Generation Programme

Prime Minister’s Employment Generation Programme is a credit-linked subsidy scheme. It merges two schemes, i.e., Prime Minister’s Rojgar Yojna and Rural Employment Generation Programme. It aims on generating self-employment opportunities through micro-enterprise establishments in the non-farm sector. It provides a subsidy of 15%-35% for setting up projects in eligible industry sector.

Pradhan Mantri Suraksha Bima Yojana

Pradhan Mantri Suraksha Bima Yojana offers a one-year accidental death and disability cover, which is renewed every year. The individual bank account holders of the age group between 18 and 70 are eligible to apply for this scheme. The risk coverage provided under this scheme is for accidental death and full disability is Rs.2 lakh. It also provides a cover of Rs.1 lakh for partial disability.

Pradhan Mantri Jeevan Jyoti Bima Yojana

Pradhan Mantri Jeevan Jyoti Bima Yojna is a life insurance scheme which provides insurance on the sudden demise of the policyholder. Any individual who has a savings bank account of the age group between 18 and 50 are eligible for this scheme. The life cover under this scheme is Rs.2 lakh to the beneficiary of the policyholder, in case of his demise.

Pradhan Mantri Jan Dhan Yojana

Pradhan Mantri Jan Dhan Yojana ensures financial inclusion of every individual who is not having a bank account in India. It aims at providing access to financial services,i.e. Banking/Savings and Deposit Accounts, Credit, Remittance, Pension and Insurance in an affordable manner to all. An individual can open an account under this scheme with any bank branch or Business Correspondent (Bank Mitra) outlet with zero balance.

Pradhan Mantri Awas Yojana

Pradhan Mantri Awas Yojana aims to provide housing at an affordable price to the weaker sections of the society, urban poor, rural poor and lower-income group people. The beneficiaries under this ‘Housing for All Scheme’ are the economically weaker sections of the society, which includes the low-income groups, middle-income groups and slum dwellers.

Pradhan Mantri SVANidhi Scheme

PM SVANidhi provides financial assistance to street vendors working in urban areas. Under this scheme, working capital loans up to Rs.10,000 are provided to street vendors with an interest subsidy at 7% to street vendors to help them get quick access to credit. It also provides an incentive for adopting digital transactions by street vendors through the cash-back facility. 

Rashtriya Swasthya Bima Yojana

Rashtriya Swasthya Bima Yojana Scheme ensures the best healthcare services and social security to the lower-income families. Any individual working in an unorganised sector belonging to BPL household or registered under welfare boards are eligible under this scheme. This scheme provides an insurance coverage of up to Rs.30,000 on a family floater basis and up to five family members.

Samarth Scheme

Samarth Scheme provides training and skilling programmes for employment in the textile and apparel industry. Preference while selecting the trainees under this scheme is given to the marginalised social groups. This scheme includes the Entry-level courses and Training of Trainers (ToT) programme.

Skill India Mission

Skill India Mission encompasses various programmes and initiatives to create skilled workers in various industries. It focuses on providing acess to better jobs for the youth. The programmes under this mission include Pradhan Mantri Kaushal Vikas Yojana, Pradhan Mantri Kaushal Kendra, Rozgar Melas, Pre-Departure Orientation Training and India International Skill Centre. 

Swachh Bharat Mission

Swachh Bharat Mission focus on wastewater treatment, construction of proper toilets, solid waste management, information and education communication and capacity building in both rural and urban areas. This mission aims to eradicate open defecation, manual scavenging, amongst other things and to instil in people a sense of basic hygiene. 

e-Shram Portal

e-Shram Portal was launched to create a centralised database of all unorganised workers for implementing social security services. All unorganised workers can register on this portal and apply for the e-Shram card through which they can get the benefits of various government schemes, such as a pension amount after 60 years, death insurance, financial aid in case of incapacity, UAN number, etc.

Pradhan Mantri Ujjwala Yojana

Pradhan Mantri Ujjwala Yojana provides LPG connections to women belonging from the Below Poverty Line (BPL) household. LPG connections are provided at a concessional rate to the women living below the poverty line under this scheme. Any adult woman belonging to a low-income family who does not have an LPG connection in her household is considered as an eligible beneficiary under this scheme.

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