E-file your Income Tax Return for FREE

The Union Government launches several schemes for the citizens of India from time to time. The schemes launched by the Union Government which concentrates on providing benefits for an individual are the Union Government Schemes for Individuals in India. They are launched for the purpose of improving the livelihood of the people and providing security for leading a better life. Each scheme is launched to provide benefits to the individual in certain areas of their life. Some schemes grant financial security while others aim to provide socio-economic measures. 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. The list of Union Government Schemes for Individuals In India are stated below.

  • Atal Pension Yojana
  • Unnat Jeevan by Affordable LEDs and Appliances for All (UJALA)
  • Ayushman Bharat Yojana
  • Grameen Kaushalya Yojana or DDU-GKY
  • Pradhan Mantri Gramin Awaas Yojana
  • Pradhan Mantri Matritva Vandana Yojana
  • Deen Dayal Upadhyaya Antyodaya Yojana
  • Pradhan Mantri Adarsh Gram Yojana
  • Pradhan Mantri Kaushal Vikas Yojna
  • Pradhan Mantri Suraksha Bima Yojana
  • Pradhan Mantri Jeevan Jyoti Bima Yojana
  • Pradhan Mantri Jan Dhan Yojana
  • Pradhan Mantri Awas Yojana
  • Antyodaya Anna Yojana
  • Pradhan Mantri Ujjwala Yojana
  • Swamitva Yojana
  • Atal Pension Yojana

    Atal Pension Yojana was passed in the Union Budget of 2015-16 by the then Honorable Finance Minister, Mr Arun Jaitley. This scheme is a pension scheme which aims at providing pension to the unorganised sector of the society such as the maids, gardeners, delivery boys, etc. Even the Private sector employees or employees who work in an organisation which does not provide pension benefits to them can also apply for this scheme.
    Atal Pension Yojana is administered by the Pension Fund Regulatory and Development Authority (PFRDA). This scheme provides options for getting a fixed pension starting from Rs.1000 to Rs.5000 on attaining the age of 60 years. The individuals who can avail this scheme must be between the age of 18 and 40 and should contribute for a minimum of 20 years.

    Unnat Jeevan by Affordable LEDs and Appliances for All (UJALA)

    The Government of India introduced the Unnat Jeevan by Affordable LEDs and Appliances for All Scheme in 2015. This scheme is implemented by the Energy Efficiency Services Limited, a joint venture of four Public Sector Undertakings under the Ministry of Power. This scheme enables the price-sensitive customers to buy LEDs at affordable rates.
    This scheme aims to promote every household to have LED-powered appliances. This scheme is of utmost importance to enable the country’s broad base of price-sensitive customers to purchase LEDs at affordable rates. Every domestic household in the country can obtain the benefits under this scheme if they have a metered connection from their respective Electricity Distribution Company.

    Ayushman Bharat Yojana

    Ayushman Bharat Yojana is a health protection scheme which provides health insurance to the citizens of India. It was launched on 23 September 2018. It is an initiative under the existing National Health Protection Scheme and also referred to as Ayushman Bharat – National Health Protection Scheme (AB-NHPS).
    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.

    Grameen Kaushalya Yojana or DDU-GKY

    Deen Dayal Upadhyaya Grameen Kaushalya Yojana is a part of another scheme,i.e. National Rural Livelihood Mission scheme. This scheme was announced on 25 September 2014 by the Ministry of Rural Development. This scheme was launched to provide training, employment and placement for jobs to the poor rural youth between the age of 15 and 35. Even the unemployed rural youth or anyone who earns a daily wage doing odd jobs with even a little bit of schooling is eligible for obtaining training and employment under this scheme.

    Pradhan Mantri Gramin Awaas Yojana

    Pradhan Mantri Awaas Yojana-Gramin, previously the Indira Awaas Yojana scheme, came into effect from 1 April 2016. This scheme was effected for addressing the gaps in the rural housing program and for achieving the Government’s commitment to providing “Housing for All’’ by 2022.
    This scheme aims to provide a pucca house which has all the necessary amenities to the houseless and to the households living in kutcha and dilapidated houses. The beneficiaries under this scheme are all the houseless and households living in zero, one or two-room houses with kutcha hall and kutcha roof as per SECC (Socio-Economic and Caste Census) data.

    Pradhan Mantri Matritva Vandana Yojana

    Pradhan Mantri Matritva Vandana Yojana is a social welfare scheme introduced in the year 2017. This scheme is implemented under the Ministry of Women and Child Development. This scheme provides a direct cash benefit to the pregnant and lactating mothers who are above the age of 19 for the birth of their first living child.
    Pradhan Mantri Matritva Vandana Yojana covers all pregnant women or lactating mothers except those employed with the Government or those who receive similar benefits under some other law for the time being. But this scheme covers only those women whose pregnancies commence after 01.01.2017.

    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 Ministry of Housing and Urban Poverty Alleviation launched NULM. The Ministry of Rural Development launched NRLM in June 2011. 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.
    NULM is implemented for the reduction of poverty and vulnerability of the urban poor households. NRLM provides effective and efficient institutional platforms to the rural poor for providing improved access to financial services and increasing their household income through sustainable livelihood opportunities.

    Pradhan Mantri Adarsh Gram Yojana

    Pradhan Mantri Adarsh Gram Yojana is a rural development programme to empower the deprived sections of society. The Central Government of India launched this scheme in the financial year 2009-10. It comes under the Ministry of Social Justice and Empowerment. The objective under this scheme is for making the villages of our country a model village having a physical and social infrastructure which helps in socio-economic development.
    It aims to eliminate the disparity between SCs and other communities in the area of literacy rate, infant mortality rate/maternal mortality rate, the completion rate of elementary education and ownership of productive assets. This scheme targets the development of villages that have a higher ratio (over 50%) of people belonging to the scheduled castes.

    Pradhan Mantri Kaushal Vikas Yojna

    Pradhan Mantri Kaushal Vikas Yojna was launched in 2015 by the Ministry of Skill Development and Entrepreneurship. The objective of this scheme is for providing Indian youth with industry-relevant skill training which will help them to achieve a better livelihood. Even the individuals with existing skill sets can be assessed and provided with a certificate under the Recognition of Prior Learning. The school or college dropouts or the unemployed youth who have a valid ID and bank account can avail the skill training and employment opportunities under this scheme.

    Pradhan Mantri Suraksha Bima Yojana

    Pradhan Mantri Suraksha Bima Yojana is one of the three social security schemes that was announced by the Government in the Union Budget of 2015-16. This scheme 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 one of the three social security schemes announced by the Government in the Union Budget of 2015-16. It 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 is a nationwide scheme launched by the Government of India in August 2014. The objective of this scheme is to ensure 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 is a social welfare flagship programme of the Indian Government which was launched in the year 2015. The objective of this scheme is for providing housing at an affordable price to the weaker sections of the society, urban poor, rural poor and lower-income group people.
    This scheme aims to construct around 20 million houses at an affordable price by 31 March 2022. 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.

    Antyodaya Anna Yojana

    Antyodaya Anna Yojana was launched in December 2000 for implementing the TPDS more beneficially and for providing foodgrains to the right category of the population. The Targeted Public Distribution System (TDPS) aims to provide food and grains to the needy. This Government scheme provides highly subsidised food to around one crore poorest of the poorest families from amongst the Below Poverty Line (BPL) families in India.

    Pradhan Mantri Ujjwala Yojana

    Pradhan Mantri Ujjwala Yojana is a social welfare scheme launched by the Government on 1 May 2016. It is a scheme by the Ministry of Petroleum and Natural Gas for providing 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.
    This scheme aims to envisage a smoke-free Rural India by providing LPG connections to the entire nation and benefit around five crore families. 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.

    Swamitva Yojana

    The Swamitva Yojana aims to provide an integrated property validation solution for rural India. Under this scheme, a property card is created and issued for each house of the village by the Government. The Honourable Prime Minister, Shri Narendra Modi launched the physical distribution of property cards under the ‘Survey of Villages and Mapping with Improvised Technology in Village Areas’ (SVAMITVA) scheme on 11 October 2020.
    This scheme aims to provide a certificate of ownership of the property to the people of the village which is mapped by the Government. The Government can also do a digital survey of the village using drones in the villages to grant ownership certificates for the eligible people. Through this scheme, the people living in rural areas can obtain bank loans on their village property.

    All Articles

    1. The Targeted Public Distribution System (TDPS) is an evolved system for food and distribution of food grains. To make this system more focussed, the Antyodaya Anna Yojana was launched in the year 2000.
    2. The Pradhan Mantri Adarsh Gram Yojana has been introduced to make villages with an SC population of 50% or more an Adarsh Gram that is a model village with the requisite facilities for equal opportunities.
    3. Pradhan Mantri Jeevan Jyoti Bima Yojna is one of the three social security schemes launched by the Government in the year 2015. It is a life insurance scheme that offers a cover of Rs. 2 lakh on the sudden demise of a policyholder.
    4. Pradhan Mantri Suraksha Bima Yojana is an accident insurance scheme launched by the Government of India. The aim of the scheme is to bring the uninsured under the umbrella of insurance.
    5. Pradhan Mantri Kaushal Vikas Yojna (PMKVY) is an initiative by the Government of India to recognise and standardise skills of Indian youth to take up industry-relevant skills.
    6. Deen Dayal Upadhyaya Antyodaya Yojana (DAY) scheme is the integration of National Urban Livelihoods Mission (NULM) and National Rural Livelihoods Mission (NRLM) which aims to uplift the poor.
    7. Pradhan Mantri Matritva Vandana Yojana was introduced in the year 2017 to provide a direct cash benefit to pregnant and lactating women above the age of 19 or above for the first live birth.
    8. Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY) is a part of the National Rural Livelihood Mission (NRLM) scheme. DDU-GKY provides training, employment and placement to rural youth.
    9. The UJALA Scheme is being implemented by the EESL (Energy Efficiency Services Limited) to set up a phase-wise distribution of LEDs all over the country.