The Union Government of India launches different schemes from time to time with specific objectives. These schemes aim at benefiting the poor, economically backward, rural people, or vulnerable sections of the society. They address the social and economic welfare of the citizens of India.

Generally, the meaning of a scheme is a plan, design, or program of action involving many people which is formulated by the government. A union government scheme means a scheme formulated by the Government of India. The different Ministries of the Government of India have launched various government programmes known as schemes or Yojana.

The schemes launched by the Government of India are either Central or State specific schemes. Some of the schemes are also implemented through a collaboration between the Centre and the States.

The schemes launched by the Ministries of the Central Government of India are the Union Government Schemes. These schemes play a crucial role to solve the socio-economic problems prevailing in the country. They help to uplift the vulnerable sections of the society by providing basic and necessary facilities to them.

Objectives of the Union Government Schemes in India

There are several different schemes launched by the different Ministries of the Union Government. Each scheme has its own set of objectives. But the main objective of these schemes is to provide social, financial and economic welfare to the citizens of India. The general objectives of the social-economic and financial schemes are –

  • Provide social security measures such as pensions, insurance, maternity benefits, housing etc.
  • To improve the quality of the life of the people.
  • Upliftment of the poor.
  • Development of rural and backward areas.
  • Reducing the economic inequality between different sections of society.
  • Empower women for their better participation in society.
  • To provide employment opportunities.
  • To provide education and training to the weaker sections of the society.
  • To provide financial security to the vulnerable sections of society.
  • To provide financial assistance to women, small businesses and weaker sections of society.

List of Union Government Schemes for Individuals and Businesses

There are different schemes launched by the Union Government of India. Some schemes aim at providing socio-economic benefits to the individuals. Some schemes aim at providing financial assistance to the businesses. The list of prominent schemes launched by the Union Government is as follows –

  • 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
  • Rashtriya Krishi Vikas Yojana
  • Pradhan Mantri Awas Yojana
  • Antyodaya Anna Yojana
  • Pradhan Mantri Ujjwala Yojana
  • Swamitva Yojana
  • ASPIRE Scheme
  • Atal Innovation Mission
  • Credit Guarantee Scheme for Startups (CGSS)
  • Midday Meal Scheme
  • Multiplier Grants Scheme
  • Skill India Mission
  • Startup India

Benefits of Union Government Schemes for Individuals

There are many schemes launched by different Ministries of the Union Government for the benefit of the citizens of India. The schemes for individuals mainly focus on the vulnerable sections of the society such as rural and urban poor households, women, SC and ST, senior citizens, domestic workers etc. Each scheme concentrates on providing different socio-economic or financial welfare to the people.

The government schemes are beneficial to individuals for obtaining training and employment opportunities. Some schemes help in availing loans at a minimum rate of interest, opening a bank account for individuals, availing financial assistance to meet expenses of an individual, obtaining insurance and enrolling for pension by paying a minimum amount.

Some of the schemes concentrate on development and empowerment of woman. It provides financial assistance to the woman for starting their own business. There are schemes which provide basic education to the woman, maternity benefits and rehabilitation facilities.

Some schemes for the individuals concentrate on providing basic necessities to the individuals such as LED lights, drinking water, distribution of food grains, housing, clean environment etc.

Benefits of Union Government Schemes for Businesses

The Union Government has launched many schemes specifically to help the businesses in India. These schemes allow for ease of business and in turn, strengthen the economy. The schemes launched for businesses helps them by providing financial assistance and technical assistance for their growth.

Many schemes for businesses provide benefits for obtaining loans at subsidised rates, obtaining credit guarantee on loans, subsidy for technological upgradation, support through venture capital etc.

Many recent schemes promote starting own businesses on a small scale basis by providing entrepreneurial and training facilities, building manufacturing infrastructure, incentives for women and economically backward sections to start their own business, a digital platform for accessing global markets and digital documentation etc.

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  1. The UP Government provides old-age pension, destitute women pension and disability and leprosy pension to the eligible persons known as SSPY UP Pension Scheme.
  2. The Prime Minister launched the Saansad Adarsh Gram Yojana in 2014 to identify Adarsh Grams and develop them by providing basic amenities.
  3. The Vidhwa Pension Yojana provides financial assistance to the poor below the poverty line women widows of the state.
  4. The Karnataka government launched the Seva Sindhu portal to provide various government department services online to the citizens.
  5. The Department of Fisheries implements the Pradhan Mantri Matsya Sampada Yojana, which aims to develop the fisheries sector in India.
  6. The National Means-cum-Merit Scholarship Scheme provides scholarships to meritorious students belonging to economically weaker sections from classes 9 to 12.
  7. The government launched the Pradhan Mantri Kisan Maan Dhan Yojana to provide a monthly pension to the old age small and marginal farmers.
  8. The government launched the Merit-cum-Means Scholarship scheme for minorities to provide scholarships to students belonging to the minority communities.
  9. The PM-YUVA Yojana, a flagship programme of the Ministry of Skill Development and Entrepreneurship, implements entrepreneurship training and education for students.
  10. The UGC launched the Ishan Uday scheme for providing scholarships to students pursuing professional, technical and degree courses in the North Eastern Region.
  11. To reduce gender discrimination and rectify the declining trend in the Child Sex ratio, the Government launched the Beti Bachao, Beti Padhao initiative.
  12. The Ministry of Power, in the year 2015, came up with a turnaround strategy to improve the poor financial situation of DISCOMs by launching the Ujwal DISCOM Assurance Yojana (UDAY).
  13. The Ministry of Power launched the URJA (Urban Jyoti Abhiyaan) App that provides information related to the Urban Power Distribution.
  14. The Pradhan Mantri Gram Sadak Yojana (PMGSY) was introduced in December 2000. The idea was to provide rural India with unrestricted all-weather road connectivity, thus facilitating easy movement of goods and services all over India
  15. The government launched the Sarva Shiksha Abhiyan scheme to achieve the Universalisation of Elementary Education (UEE) in a time-bound manner.
  16. Access to electricity ensures the quality of life, and hence through the PM Sahaj Bijli Har Ghar Yojana, the Government has aimed at making this amenity available to each household in the country.
  17. National Digital Library of India makes knowledge accessible for all at the click of a button. It is a repository of resources from national and international digital libraries.
  18. Smart Cities Mission was introduced by the Government of India on 25th June 2015 to provide smart solutions to the citizens for a better quality of life.
  19. The Government rolled out a scheme in March 2006 to rectify the imbalances in the healthcare facility and upgrade existing medical colleges.
  20. The need of the hour is skilled labour, and the Government of India has realised the need for the same. To create an empowered workforce by the year 2022 is the vision of the Skill India initiative.
  21. The Pradhan Mantri Krishi Sinchayee Yojana is a scheme introduced by the government in the year 2015 with a focus on irrigation and water conservation.
  22. The State Government of Jharkhand launched the Mukhya Mantri Krishi Aashirwad Yojana to support and provide financial assistance to farmers.
  23. PM Kisan SAMPADA Yojana is a comprehensive scheme in the food processing industry. It encompasses and implements various schemes in the food processing sector.
  24. The government of Andhra Pradesh launched the YSR Kanti Velugu scheme to provide free of cost eye care for all the people of AP State.
  25. The Kayakalp is an initiative launched to complement the ‘Swachhta Guidelines for Public Health Facilities’, which provides for maintaining cleanliness in the public health care facilities.
  26. The DSCI and Microsoft launched the Cyber Shikshaa Initiative to impart training to eligible women in the Cyber Security domain and provide them with employment opportunities.
  27. The Andhra Pradesh Government launched the Illa Pattalu scheme. Under this scheme, houses are given to the state’s poor people who do not own houses.
  28. The SE Shagun is a platform that integrates all the central and state websites and portals of the Department of School Education and Literacy.
  29. The government launched the PAHAL (DBTL) scheme to eliminate LPG subsidy diversions by directly transferring the subsidy to the LPG customers’ accounts.
  30. The Pragati scheme provides financial assistance in the form of scholarships to girl students pursuing technical education in degree and diploma courses.
  31. The government launched the PRASAD scheme in 2014-15 for developing and identifying pilgrimage sites to enrich the religious tourism experience.
  32. The Samarth scheme aims to provide skill training to the youth for obtaining sustainable and gainful employment in the textile sector.
  33. The Government of Assam launched the Anundoram Borooah Laptop Award Scheme to provide laptops as an award for honouring the meritorious students of class 10.
  34. The Ministry of Road Transport and Highways computerised the Road Transport Offices (RTOs) across the country through the VAHAN and SARATHI software.
  35. The Government of Bihar launched the Krishi Input Subsidy scheme that provides a subsidy to the farmers whose crop is affected by flood or rain or drought.
  36. The government of Andhra Pradesh launched the YSR Law Nestham scheme to provide financial assistance to junior lawyers as a stipend every month.
  37. The Namami Gange programme was initiated in June 2014 to conserve, rejuvenate, and lessen the pollution of the National River, Ganga.
  38. The Jagananna Vidya Kanuka scheme is launched by the Andhra Pradesh government that provides school supplies and necessities to the students studying in government schools.
  39. The NISHTHA is an integrated teacher training programme that aims to build the capability of all teachers and principals at the elementary level.
  40. The government launched the Ek Bharat Shreshtha Bharat Programme for promoting mutual understanding and increasing interaction between the states of the country.
  41. The Rajasthan Government launched the Bhamashah Yojana for empowering women and making them financially independent.
  42. The government of Andhra Pradesh launched the Jagananna Vasathi Deevena scheme to provide scholarships to BPL students who want to pursue their desired courses.
  43. The YSR Aarogyasri is a health scheme launched by the Andhra Pradesh Government that provides financial assistance to the BPL families for their health needs and expenses.
  44. The Unnat Bharat Abhiyan was launched in 2014. This scheme links the Higher Education Institutions with a set of five villages for developing it socially and economically.
  45. The National Health Mission came into force in 2006, launched by the Government of India. At the time of its launch, the main objective of the National Health Mission was to tackle India’s malnutrition crisis.
  46. The Bihar government launched the Har Ghar Bijli Lagatar scheme to provide free electrical connection to all rural and urban households without electricity.
  47. The government launched the One Nation One Ration Card scheme to facilitate the migrant ration cardholders to obtain foodgrains from any fair price shops in India.
  48. The Government of Bihar introduced the Mukhyamantri Kanya Utthaan Yojana to empower the girl child by providing financial assistance for her education.
  49. The Prime Minister’s Research Fellows (PMRF) is a scheme introduced to improve the quality of research in higher education institutes by providing fellowship to the candidates.
  50. The Department of Biotechnology initiated the UMMID to establish diagnostics in hospitals and create awareness about genetic disorders of newborn babies.
  51. The DIKSHA portal - National Teachers Platform is a portal that provides assessment and learning resources for teachers to help them in their training, learning and teaching.
  52. The YSR Rythu Bharosa scheme is a scheme that provides financial assistance to the farmers of the State of Andhra Pradesh for meeting their agricultural investment needs.
  53. The Pradhan Mantri Fasal Bima Yojana is a crop insurance scheme for farmers. Under this scheme, the crop loss or damage is covered against any unforeseen circumstances.
  54. The Shaala Darpan portal is a government authorised portal in the education sector. This portal aims to provide transparency in the education sector.
  55. The Bihar Mukhyamantri Vridhajan Pension Yojana (MVPY) is a scheme by the Government of Bihar that provides a monthly pension to elderly persons in the state.
  56. Samagra Shiksha is a scheme launched for improving school education by providing equal opportunities and equitable learning outcomes for schooling.
  57. The PM KISAN is a Central Sector Scheme that provides financial support to the families of landholding farmers in India to procure various agricultural inputs.
  58. The PM announced a special economic package of Rs.20 lakh crore under the Atmanirbhar Bharat Abhiyan for making India independent against global competition.
  59. The Swachh Bharat Abhiyan was introduced by the Government of India on October 2nd, 2014, to cover all the rural as well as urban areas all over India.
  60. The Digital India scheme includes plans to connect rural areas with high-speed internet networks and improve digital literacy. The vision of the campaign is inclusive growth in all sectors.
  61. Apprenticeship training provides hands-on experience and makes the manpower skilled. The objective of the NAPS scheme is to increase the engagement of apprentices in the country.
  62. The Government of India has rolled out a scheme Study Webs of Active Learning for Young Aspiring Minds (SWAYAM) to make learning available free of cost to all.
  63. The Andhra Pradesh Government announced the Jagananna Amma Vodi that provides financial assistance to the mothers for educating their children from Class 1 to 12.
  64. The Saksham scheme is a scheme under the AICTE that provides financial assistance to specially-abled students for completing their higher studies.
  65. The mid-day meal scheme provides cooked food for every child enrolled and studying in government or government-aided schools.
  66. FASTag is a device that enables automatic payment of toll fees. The FASTag enabled lanes deducts the toll amount electronically of FASTag enabled vehicles.
  67. The YSR Pension Kanuka is a social security welfare measure where the Government of Andhra Pradesh provides a certain amount as pension to the eligible beneficiaries.
  68. The Prime Minister established the PM CARES Fund on 27 March 2020 as a public charitable trust for providing relief in a distress situation or emergency.
  69. Shaala Siddhi is initiated by the National Institute of Educational Planning and Administration for evaluating schools and improving their quality of education in India.
  70. The PM Svanidhi scheme provides collateral-free loans with low interest rates to the street vendors to resume their work after the country’s lockdown situation.
  71. The Ministry of Skill Development and Entrepreneurship (MSDE) is set up as a Ministry of the Government of India. It aims to integrate the skill development efforts across the country.
  72. The Government of India launched ASPIRE in 2015 for setting up incubation centres to enhance entrepreneurship and employment in the agriculture industry.
  73. Pradhan Mantri Gramin Awaas Yojana came into effect from 1st April 2016. This scheme aims to provide technical and financial assistance to homeless families for construction of a house.
  74. The Department of Electronics and Information Technology (DeitY) is implementing the Multiplier Grants Scheme with an idea to bridge the gap between research and development and commercialisation.
  75. Support for International Patent Protection in Electronics & Information Technology (SIP-EIT) financially backs up the MSMEs and Technology startups to file for international patents.
  76. Pradhan Mantri Ujjwala Yojana is a social welfare scheme with a vision of a smoke-free rural India and reducing health disorders for women belonging to BPL families, air pollution, and deforestation.
  77. The Credit Guarantee Scheme for Startups is part of the Startup India action plan and will thus allow startups to avail loans for their businesses without any collateral security.
  78. The Government of India brought forth an initiative called the Atal Innovation Mission, which aims to promote the culture of entrepreneurship and innovation across the country.
  79. Svamitva Yojana was launched with an aim to demarcate and map village properties using drone technology. Property cards are issued to the owners of the property under this scheme.
  80. 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.
  81. 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.
  82. Rashtriya Krishi Vikas Yojana is a State Plan scheme to ensure the development of agriculture and allied services. The scheme provides various benefits to startups by providing financial support and orientation.
  83. 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.
  84. 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.
  85. 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.
  86. 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.
  87. Pradhan Mantri Matritva Vandana Yojana or ( PMMVY ) 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.
  88. DDUGKY - Deen Dayal Upadhyaya Grameen Kaushalya Yojana is a part of the National Rural Livelihood Mission (NRLM) scheme. DDU-GKY provides training, employment and placement to rural youth.
  89. 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.