Government schemes in India

In general awareness section of IBPS and many other government job exams questions are asked from government schemes. So I made a list of all government schemes with their objectives and working. In in IBPS 2012, SBI 2013, NICL 2013 and SEBI grade A 2013 questions were asked from this topic. So if you are preparing for IBPS PO 2013 then go through all these schemes.

Central Government schemes in India

Aam Aadmi Bima Yojna

Started - 02-10-2007
Objective - To provide life and accident insurance to people without land living in rural areas 
Working - Both State government and National government contributes Rs 200 each towards insurance one family member of age 18-59. 

Money paid to insurance beneficiary 

  • In case of natural death - Rs 30,000
  • In case death due to accident or permanent disability - Rs 75,000
  • In case of permanent disability due to any accident - Rs 37,500

Doodh Ganga

Goal - Provide interest free loan and capital subsidies to diary farmers

Indira Awaaz Yojna

Started - 1985
Objective - Prociding financial assistance to rural and urban poor for construction of houses
Working - Financial assistance of Rs 70,000 in plain areas and Rs 75,000 in difficult areas is provided. 
  • Construction of sanitary latrine and smokeless chullah is mandatory
  • Hiring a contractor is banned
  • House is allotted in the name of woman or jointly in the name of both man and woman.

Prefernce is given to 

  • Mentally challenge 
  • Physical challenged
  • Woman headed houses
  • Transgenders
  • Widows and children of members of defence or police forces who died on duty 

Janani Suraksha Yojana

Started - 12 April 2005
Objective - JSY aims at reducing maternal deaths by promoting deliveries in public and private health institutions
Working - Mother should be at least 19 year old and belong to BPL or SC/ST category.

Government provides
  • Rs 500 in case of home delivery 
  • Rs 600 in case of mother from municipal/corporation area delivering baby in private or public health care center  
  • Rs 700 in case of mother from rural area delivering baby in private or public health care center  

Ladli Scheme

Started - 20 August 2008
Aim- Objective of this scheme was to raise the status of girl child and change the social mindset of people towards girls in Haryana. (Separate scheme for Delhi)
Working - Financial assistance of Rs 5000 per family per year is given by state government on the birth of second girl child. This scheme is available for parents who are domiciles of Haryana.

Ladli Laxmi Yojna

Aim- Objective of this scheme was to raise the status of girl child and change the social mindset of people towards girls in Madhya Pradesh.
Working - Government purchases National saving certificate worth Rs 6000 per year for four years for every girl child born after 01-04-2008 and whose parents are domicile of Madhya Pradesh.

Additional money paid on following events :-
  • At the time of admission in 4th standard - Rs 2000
  • At the time of admission in 9th standard - Rs 4000
  • At the time of admission 11th standard - Rs 7500
  • During  higher secondary education - Rs 200 each month
  • On the completion of 21 years she could receive even Rs 1 lac 

Mahatma Gandhi National Rural Employment Guarantee Act

Started - 25 August 2005
Objective - To provide 100 days employment guarantee per year to unskilled labourers
Working - Government provides 100 days employment guarantee per year to unskilled labourer to do public works for which he is paid Rs 120 per day. In case Government is unable to provide employment to labourers then it need pay labourers for 100 days at their home.
Budget aloocated for MNREGA - Rs 45000 crores ( 2012-2013)

Midday Meal Scheme

Started - Started on different dates in various states in India. It was first introduced in Uttar Pradesh
Objectives - Providing free lunch on working days to primary and upper primary students of government schools in India. This scheme aims at promoting education and removal malnutrition in children.

National Pension Scheme India

Started - 1 January 2004
Objectives - Provides social security to Government employees on retirement
Working - 10% of basic salary is deducted from basic salary and DA and contributed to pension fund. Central government makes equal contribution to the fund.

Pradhan Mantri Gram Sadak Yojana

Started - 5 December 2000
Objective - To provide roads in villages with population of 1000+

Rashtriya Krishi Vikas Yojana

Started - August 2007
Objective - This scheme aims at achieving 4% annual growth in agriculture sector.
Working -  Rs 5875 crores will be in agricultural sector in 11th five year plan to improve agricultural productivity.

Rashtriya Swasthya Bima Yojana

Started - April 1, 2008
Objective - Providing health insurance to poor people living below poverty line and holding yellow card
Working - Anybody holding yellow card need to register for this scheme and get a smart card. Family get insurance of Rs 30,000 per family. This is cashless facility to get treatment in public as well as private hospitals.

Sampoorna Grameen Rozgar Yojana

Started - 25 September 2001
Aim - Started by cobining two ongoing schemes namely Jawahar Gram Smridhi Yojana and employment Assurance Scheme. This scheme was started to provide supplementary employment so that labourers in rural areas can earn extra and thus providing food security to them.
Working - Budget of Rs 10,000 crores has been alloted which is to be provided in ratio of ratio of 75:25 by Center and State and government.

Sarva Shiksha Abhiyan

Started - 2001
Aim - Provide useful and free education to children in the age group of 6 -14 years under RTE act 2009
Funds allocated - Rs 61,734 crores allocated in 2011-12


Started - 10 February 2011
Aim - To provide banking facilitates in rural areas with banking services. Goal of this scheme is to start banking services in 20,000 villages without banking services with a population of 2000 by March 2012

Swarnajayanti Gram Swarozgar Yojana

Started - 1 April 1999
Objective - SGSY provide assistance to rural people living below poverty line to take up self employment.


Started - 2010 (Will be closed on 2017-2017)
Goal - To encourage workers working in unorganized sector to save for their retirement
Working - Workers must invest contribute minimum Rs.1000 to maximum Rs.12000 per year into their NPS account. Government will contribute Rs 1000 per year to NPS account per year.


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  1. Replies
    1. Is there any further update of government schemes after the modi government or during upa 2....please update as it is very important for the exams...thanks in advance....

  2. @ramandeep singh this was very much needed in the last days of my preparation.

  3. Thanks a lot Ramandeep :)

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  6. meru chudachaka ga unaru

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  10. Are all the "yojanas" introduced by act of parliaments, or are all or any of them started by simple governments' announcements? Please reply to this email address:

  11. Hello.. I am starting a business related to clothes. I am looking for subsidy loan for that. Does any one know or have any information about that. Where can i find information about govt schemes.

  12. Indira Awaas yojna not awaaz.............

  13. Thanks a lott :)
    Please do keep updating

  14. This was really good.

  15. Thank u vry much sir... :-)


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