Government schemes, documents and money tools — explained plainly
Independent guides to Indian government schemes and certificates: who qualifies, what documents you need, and exactly how to apply. Every figure is checked against an official government source and dated, and every page links you to the real portal.
Free calculators
Work out what you are actually owed — gratuity on leaving a job, the maturity value of a PPF account, or what a Sukanya Samriddhi account will be worth at 21 years.
SWP Calculator
See how long a lump sum lasts when you withdraw a fixed amount every month, and what is left at the end of the period.
TaxGST Calculator
Add or remove GST at the current rates, and split the tax into CGST and SGST or IGST depending on the type of supply.
SavingsCompound Interest Calculator
Work out what a lump sum grows to with compound interest, and see how much more it earns than simple interest.
LoanEMI Calculator
Calculate the monthly EMI on a home, car or personal loan, and see how much of your total repayment is interest.
SavingsRD Calculator
Estimate the maturity value of a recurring deposit at the post office or a bank, from your monthly deposit and the interest rate.
RetirementNPS Calculator
Project your National Pension System corpus at 60, the lump sum you can take, and the monthly pension the annuity portion might provide.
SalaryGratuity Calculator
Work out the gratuity payable on retirement or resignation under the Payment of Gratuity Act, 1972, from your last drawn salary and years of service.
SavingsPPF Calculator
Project the maturity value of a Public Provident Fund account from your yearly deposit, the notified interest rate and the number of years you stay invested.
SavingsSukanya Samriddhi Yojana Calculator
Estimate the maturity amount of a Sukanya Samriddhi Account from your yearly deposit and the notified interest rate, over the scheme's 15-year deposit period and 21-year term.
Central government schemes
Eligibility, exclusions, documents and the application process for India’s largest welfare and savings schemes.
PM-KISAN
PM-KISAN gives land-holding farmer families income support of ₹6,000 a year, paid directly into their bank accounts in three equal instalments of ₹2,000. Twenty-three instalments have been released so far; the 24th has not yet been announced.
HealthPM-JAY
PM-JAY gives eligible families health cover of ₹5 lakh per family per year for hospitalisation, cashless at empanelled hospitals. Since October 2024 every citizen aged 70 or above qualifies regardless of income, through the Ayushman Vay Vandana card.
Social Securitye-Shram
e-Shram registers unorganised workers aged 16 to 59 on a national database and issues a Universal Account Number card, which is used as a single entry point to a set of central social security schemes.
Women & ChildSSY
Sukanya Samriddhi Yojana is a small savings account for a girl child that currently earns 8.2% a year, compounded annually, with deposits qualifying for a deduction under Section 80C.
EnergyPM Surya Ghar
PM Surya Ghar pays a central subsidy towards rooftop solar for households — ₹30,000 for a 1 kW system, ₹60,000 for 2 kW and ₹78,000 for 3 kW or larger — so families can generate their own electricity.
Skill DevelopmentPM Vishwakarma
PM Vishwakarma supports traditional artisans and craftspeople in 18 trades with skill training and a ₹500 daily stipend, a ₹15,000 toolkit grant, and collateral-free loans of up to ₹3 lakh at a 5% interest rate.
PensionAPY
Atal Pension Yojana gives subscribers a central-government-guaranteed monthly pension of ₹1,000 to ₹5,000 from the age of 60, in return for regular contributions made from the age they join until 60.
Find schemes by state
Central schemes apply everywhere, but states run their own programmes and set their own documentation rules. Pick your state to see what applies where you live — all 36 states and union territories are covered.
Why you can trust these pages
- Every fact is cited. Each page ends with the government sources it was written from, and the date we checked them.
- We never process applications. We are not a government body and we do not take your documents or fees. Every page sends you to the official portal to apply.
- We publish what disqualifies you too. Exclusion rules are listed as prominently as eligibility, because a rejected application wastes weeks.
- Rates and rules are dated. Small savings interest rates change every quarter and scheme amounts are revised — we show you when a figure was last verified so you know how fresh it is.