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sarkari yojana
🇮🇳 India's Most Trusted Sarkari Yojana Portal — 100% Free
Complete Guide to
Government Schemes
for Every Indian Citizen
Find, check eligibility, and apply for India's 450+ central government welfare schemes — PM Kisan, Ayushman Bharat, MUDRA Loan, PM Awas Yojana, PMKVY, and many more. Verified information from official .gov.in sources, completely free.
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- 📅 Updated June 2026
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₹34 L.Cr+
DBT disbursed since 2013
55 Cr+
Ayushman Bharat beneficiaries
11 Cr+
PM Kisan registered farmers
450+
Active central schemes
What Is RupayaSalah?
India's most reliable platform for government scheme information — built for every citizen, in every state
RupayaSalah.in is a dedicated online platform that gives every Indian citizen verified, clear, and actionable information about government welfare schemes — completely free, with no middlemen.
India's central and state governments run more than 450 active welfare schemes — PM Kisan, Ayushman Bharat, PM Awas Yojana, MUDRA Loan, PMKVY, Ujjwala Yojana, and many more. These programmes carry budgets of lakhs of crore rupees every year, meant to reach eligible citizens directly. Yet millions of families either don't know these schemes exist, or don't understand how to apply.
RupayaSalah was created to close that gap. We explain every scheme in a simple, step-by-step format — covering eligibility criteria, required documents, application process, benefits, and direct official government portal links. Our editorial team verifies every piece of information from official government portals (.gov.in, .nic.in) before publishing.
Our Mission
To give every Indian family the information they need to claim their rights — whether they live in a remote village in Jharkhand or an urban settlement in Delhi. We believe government scheme benefits should reach the genuinely deserving, and our job is to make sure they have the information required to apply.
What You'll Find on RupayaSalah
- Complete Scheme Guides — Full details for every scheme: eligibility, documents, process, benefits
- Free Tools — Eligibility checker, scheme finder, age calculator, percentage calculator, job finder, kundli
- Step-by-Step Application Help — Clear instructions anyone can follow, in Hindi and English
- 2026 Updated Information — Latest eligibility rules and benefit amounts, updated as notifications change
- Official Links Only — Every guide links directly to the official government portal; no fake or third-party sites
- Fraud Alerts — Guidance on identifying and avoiding fake scheme websites and middleman scams
Important: Applying for any government scheme is completely free.
If any agent or website asks you for money to apply — that is fraud.
Apply only on official
.gov.in portals.
RupayaSalah provides information only — we do not process applications.
All Free Tools on RupayaSalah
One click to check eligibility, find schemes, calculate age, and more — always free
Most Popular
Yojana Finder Tool
Enter your details and find which government schemes you qualify for — PM Kisan, Ayushman Bharat, MUDRA, PMKVY, and 15+ more. Instant result.
Use Tool →Eligibility Checker
Find out which government schemes you qualify for based on your age, income, category, and occupation. Get a personalised scheme list in seconds.
Check Now →Age Calculator
Calculate your exact age in years, months, days, hours, and seconds. Verify age eligibility for government jobs, passports, voter ID, and welfare schemes.
Calculate →Percentage Calculator
Calculate the percentage of any number — exam marks, discount, income percentage, subsidy amount, and more — free and instant.
Calculate →Sarkari Job Finder
Search government job opportunities across all Indian states — filter by state, post type, qualification, and age limit to find the right job for you.
Find Jobs →Kundli & Rashifal
Generate your birth chart and check daily, weekly, and monthly horoscope for all 12 zodiac signs — free Jyotish information and Bhavishyafal.
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Read Full GuideHow to Get the Benefit of a Government Scheme
4 simple steps — RupayaSalah guides you through every one of them
-
Find Your Scheme
Use our Yojana Finder Tool or Eligibility Checker. Enter your age, income, and category to instantly get a list of eligible schemes.
-
Prepare Your Documents
Our detailed guides list every required document for each scheme — Aadhaar, income certificate, caste certificate, bank passbook, and more.
-
Apply on the Official Portal
Every guide on RupayaSalah links directly to the official
.gov.inportal. Apply there directly — no agent, no middleman, no fee. -
Receive Your Benefit
Once verified, the benefit is transferred directly to your Aadhaar-linked bank account via DBT (Direct Benefit Transfer) — no intermediary, no deductions.
Most Important Government Schemes in 2026
Crores of Indian families are benefiting from these schemes right now — find out what they offer and how to apply
The central government launches new welfare schemes every year and strengthens existing ones. In 2026, several schemes have significantly expanded their reach and benefits. Below is a quick reference guide to India's most impactful and widely used government schemes:
| Scheme Name | Key Benefit | Who Can Apply | Official Portal |
|---|---|---|---|
| PM Kisan Samman Nidhi | ₹6,000/year (3 instalments) | Farmer families, no income tax filers | pmkisan.gov.in ↗ |
| Ayushman Bharat PM-JAY | ₹5 lakh/year cashless health cover | BPL / SECC listed families | pmjay.gov.in ↗ |
| PM Awas Yojana (Gramin) | ₹1.2–1.3 lakh housing grant | Kutcha house / homeless rural families | pmayg.nic.in ↗ |
| PM Awas Yojana (Urban) | Interest subsidy up to ₹2.67 lakh | EWS / LIG / MIG urban families | pmaymis.gov.in ↗ |
| PM Mudra Yojana | ₹50K–₹20 lakh loan (no collateral) | Small business owners, entrepreneurs | mudra.org.in ↗ |
| PM Ujjwala Yojana 2.0 | Free LPG connection + first refill | BPL women, SC/ST families | pmuy.gov.in ↗ |
| PM Kaushal Vikas Yojana | Free skill training + certificate + job | Unemployed youth aged 18–35 | pmkvyofficial.org ↗ |
| Sukanya Samriddhi Yojana | High-interest savings for girl child | Parents of girls under 10 years of age | nsiindia.gov.in ↗ |
| PMEGP Business Subsidy | 15–35% subsidy on project/business loan | Entrepreneurs 18+, min. 8th pass | kviconline.gov.in ↗ |
| Atal Pension Yojana | ₹1,000–5,000/month guaranteed pension | Age 18–40, unorganised sector workers | npscra.nsdl.co.in ↗ |
Note: All information above is based on official government notifications for 2026.
Confirm actual eligibility and benefit amounts on the official scheme portal before applying.
Not sure which scheme to apply for? Use our
Free Eligibility Checker Tool
for a personalised recommendation in 30 seconds.
Free Calculator
PMEGP / MUDRA Subsidy Calculator
Enter your project cost — instantly see subsidy amount, net loan, EMI, and own contribution
Government Subsidy
₹ —
Net Loan Amount
₹ —
Monthly EMI
₹ —
Own Contribution (10%)
₹ —
* This is an approximation calculator. Actual figures depend on the bank and scheme notification. To apply, visit kviconline.gov.in.
How to Apply for Government Schemes in India — Full Guide
From required documents to application submission — every step explained clearly
What Is a Government Scheme (Sarkari Yojana)?
A government scheme (sarkari yojana) is a welfare programme run by the central or state government for specific groups of citizens — farmers, women, youth, SC/ST communities, BPL families, people with disabilities, or any citizen in genuine need. The purpose of these programmes is to provide financial support, skill training, health coverage, housing, education, and employment opportunities.
How Many Government Schemes Are Active in India in 2026?
In 2026, central and state governments together run more than 800 active welfare schemes. The central government alone operates 450+ schemes. These fall broadly into seven categories:
Agriculture & Farmers
PM Kisan, Fasal Bima, KCC
Housing & Infrastructure
PM Awas Urban & Gramin
Health & Insurance
Ayushman Bharat, PMJJBY, PMSBY
Education & Skills
NSP Scholarship, PMKVY, NAPS
Employment & Business
PMEGP, MUDRA, Stand Up India
Women & Children
Ujjwala, SSY, PMMVY, BBBP
Financial Inclusion
PM Jan Dhan, Atal Pension Yojana
Common Documents Required for Government Schemes
Most central government schemes require these documents. Prepare them in advance to avoid delays in your application:
- Aadhaar Card — Mandatory for all DBT schemes
- Bank Passbook — Active bank account linked to Aadhaar
- Ration Card / BPL Certificate — For income-based schemes
- Income Certificate — Issued by Tehsildar or SDO
- Caste Certificate — For SC/ST/OBC categories
- Residence Certificate — Domicile proof
- Passport Size Photos — White background
- Mobile Number — Linked to Aadhaar
- Land Records — For PM Kisan, Fasal Bima
- Education Certificate — For scholarships, skill training schemes
What Is DBT (Direct Benefit Transfer)?
Direct Benefit Transfer (DBT) is a transformative system introduced by the Government of India in which welfare scheme funds are transferred directly into a beneficiary's Aadhaar-linked bank account — without any middlemen. This has significantly reduced corruption and leakage, ensuring benefits actually reach deserving citizens. By 2026, more than ₹34 lakh crore has been transferred via DBT.
To receive DBT benefits, you must link your Aadhaar card to your bank account. This can be done at your bank branch, through internet banking, or at your nearest Aadhaar Seva Kendra — completely free.
Step-by-Step Online Application Process
- Check Eligibility First: Use our Eligibility Checker Tool or Scheme Finder to find which schemes you qualify for.
- Prepare Your Documents: Scan the common documents listed above in PDF format (under 200KB) and photographs in JPEG.
-
Visit the Official Portal:
Use only
.gov.inor.nic.indomain portals. Every guide on RupayaSalah provides the direct official link. - Register an Account: Create an account using your mobile number and verify your Aadhaar via OTP.
- Fill the Application Form: Enter all details accurately. A single error can cause your application to be rejected.
- Upload Documents: Upload in the specified format and size. Check the portal guidelines carefully.
- Submit and Save Reference Number: Review everything before final submission. Save your application reference number.
- Track Your Application: Use your reference number to track application status on the same portal.
💡 Pro Tips — Faster Approval
- Link Aadhaar to both your mobile number and bank account before applying
- Get a fresh income certificate — certificates older than 6 months are often rejected
- Compress document files to under 200KB
- If you receive no notification within 30 days of submission, call the scheme helpline
- Your nearest CSC (Common Service Centre) has trained operators who can help you apply for free
How to Avoid Government Scheme Fraud
Hundreds of thousands of people fall victim to government scheme fraud every year. Fraudsters operate through social media, WhatsApp, and fake websites. Watch out for these warning signs:
❌ Signs of Fraud
- Asking for money to apply for a scheme
- Websites with domains other than
.gov.in - Sharing scheme links on WhatsApp
- Promises of "guaranteed approval"
- Asking for your OTP
- Asking for bank details over the phone
✅ Safe Practices
- Apply only on
.gov.inportals - Get help from your nearest CSC centre
- Call the PM helpline: 1800-111-555
- Never share your OTP with anyone
- Don't click on suspicious links
- Read verified information on RupayaSalah
Why Trust RupayaSalah?
Research-Based Content
Our editorial team verifies every article against official government portals — msme.gov.in, pmkisan.gov.in, pmjay.gov.in — before publishing. No unverified claim reaches our readers.
Expert Editorial Team
Our team includes policy researchers and government scheme experts with years of experience in India's welfare ecosystem. Every article is written and reviewed by a domain expert.
Regularly Updated
Eligibility rules, benefits, and application processes change. We update our content immediately when new government notifications are released. All information is current as of June 2026.
Your Privacy Is Protected
We do not store any personal details you enter in our tools. No Aadhaar number, phone number, or personal data is saved anywhere. Your privacy is our first priority.
100% Free, Always
Every service, tool, and guide on RupayaSalah is completely free. We will never charge for anything. Our revenue comes only from advertising, which is entirely separate from our editorial content.
Official Sources Only
Every guide on RupayaSalah links directly to the official government portal. We redirect you to official sources — no third parties, no agents, no intermediaries of any kind.
Frequently Asked Questions
Answers to the most common questions about government schemes and RupayaSalah
RupayaSalah.in is India's dedicated government scheme information portal. We provide verified, clear, and up-to-date information on all central and state welfare schemes — completely free. Our tools include an eligibility checker, scheme finder, age calculator, percentage calculator, job finder, and kundli. Every article includes eligibility criteria, required documents, step-by-step apply process, and direct official government portal links. We only publish information after verifying it from official .gov.in sources.
Use our two free tools: (1) RupayaSalah Scheme Finder — enter your age, income, category, and occupation for an instant eligible-scheme list. (2) Eligibility Checker Tool — a more detailed check across 15+ major central government schemes. Both tools are free, need no login, and deliver results instantly.
Yes, 100%. Applying for any central government scheme costs nothing — no registration fee, no processing fee, no agent payment required. If any website or person asks you for money to apply for a government scheme, that is fraud. Apply only on official .gov.in portals. You can also get free assisted applications at your nearest Common Service Centre (CSC). RupayaSalah is also completely free — we charge for nothing.
Farmer families with cultivable land are eligible for PM Kisan. Excluded groups include income tax payers, constitutional post holders (President, MP, MLA etc.), retired or serving government employees (Grade A/B), registered professionals (doctors, engineers, CA, lawyers), and pensioners receiving more than ₹10,000/month. Eligible farmers receive ₹6,000/year in three instalments of ₹2,000 each, directly to their bank account. Apply at pmkisan.gov.in or through your nearest CSC.
To get an Ayushman Bharat card: (1) Visit pmjay.gov.in and check eligibility using your mobile number or ration card. (2) Visit the Ayushman Mitra counter at any empanelled hospital — cards are issued free. (3) Visit your nearest Common Service Centre (CSC). (4) Call toll-free 14555 or 1800-111-565. Bring your Aadhaar card and ration card. This scheme covers BPL families and SECC-2011 listed households with up to ₹5 lakh cashless treatment at any empanelled hospital.
Required documents for PM Mudra Yojana (PMMY) are: Aadhaar Card, PAN Card, address proof (electricity bill or ration card), 6-month bank statement, business proof (registration, license, or lease), 2 passport photos, and a business project report. Apply at mudra.org.in, at any nationalised bank, RRB, or NBFC, or through your bank's online portal. Loan tiers: Shishu (up to ₹50K), Kishor (₹50K–5L), Tarun (₹5L–10L), Tarun Plus (up to ₹20L for existing borrowers). No collateral is required for loans up to ₹10 lakh.
PM Awas Yojana has two types: (1) PMAY-Gramin: apply at pmayg.nic.in. Eligible families receive ₹1.2 lakh (plains) or ₹1.3 lakh (hilly areas) for house construction. Kutcha house residents and homeless families are eligible. (2) PMAY-Urban: apply at pmaymis.gov.in. EWS families (income up to ₹3L) receive credit-linked subsidies. Required documents include Aadhaar, income certificate, land documents, and bank details. Families who already own a pucca house are not eligible.
Important schemes for women in 2026 include: (1) PM Ujjwala Yojana 2.0 — free LPG connection for BPL women. (2) Sukanya Samriddhi Yojana — high-interest savings (7.6%+ p.a.) for a girl child's education and marriage. (3) PM Matru Vandana Yojana — ₹5,000 maternity benefit for the first child. (4) Stree Shakti Mudra Loan — special interest concession for women entrepreneurs. (5) Stand Up India — ₹10 lakh to ₹1 crore loan for women entrepreneurs. (6) PMEGP — women receive 25% subsidy, higher than the general category.
Major scholarships in 2026 include: (1) National Scholarship Portal (NSP) — scholarships.gov.in covers all central scholarships from Class 1 to PhD. (2) PM Yasasvi Scholarship — for OBC/EWS students in Class 9–12 and undergraduate. (3) Pragati/Saksham Scholarship — through AICTE for technical education. (4) Central Sector Scholarship — merit-based for students who have passed Class 12. The application window is generally August to November. Visit scholarships.gov.in and select your category.
Without internet access, visit: (1) Common Service Centre (CSC) — available in every village and town; trained operators help for free or a nominal fee. Find your nearest CSC at locator.csccloud.in. (2) Gram Panchayat office — for rural schemes. (3) Urban Local Body or Municipal Corporation office — for urban schemes. (4) Bank branch — for PM Jan Dhan, MUDRA, Atal Pension, PMJJBY, PMSBY. (5) Post Office — for Sukanya Samriddhi and APY. Key helplines: PM Kisan — 155261, Ayushman Bharat — 14555, General — 1800-180-1551.
PMEGP (PM Employment Generation Programme) is a subsidy scheme where the government directly subsidises 15–35% of your approved project cost — you never repay that amount. PMEGP is available for manufacturing projects up to ₹25 lakh and service sector projects up to ₹10 lakh. MUDRA (Pradhan Mantri Mudra Yojana) is a loan scheme — no subsidy, but you get a no-collateral, low-interest loan from ₹50,000 to ₹20 lakh. Apply for PMEGP at kviconline.gov.in and for MUDRA at any bank. You cannot apply for both for the same project simultaneously.
No. All RupayaSalah tools are completely free — our Scheme Finder, Eligibility Checker, Age Calculator, Percentage Calculator, Job Finder, and Kundli. No subscription, no hidden charges, no login required. Our revenue comes only from advertising (Google AdSense). We will never ask you for payment for any service. If any website claims to be RupayaSalah and asks for money, that is fraud.
Start Now — Know Your Rights
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