India, the world’s largest democracy, has introduced numerous government schemes to uplift its citizens socially and economically. Many of these initiatives have successfully improved the lives of millions by offering access to affordable housing, quality healthcare, clean energy, financial inclusion, and more.
Let’s explore eight of the most impactful government schemes in India, as highlighted in Yojana Nirman, that have made a lasting difference across the nation.
1. Pradhan Mantri Awas Yojana (PMAY)
Launched on June 25, 2015, the Pradhan Mantri Awas Yojana aims to provide affordable housing for all in urban areas by 2022. The scheme offers interest subsidies as low as 6.5% on home loans for up to 20 years. It has empowered countless low- and middle-income families to own a home, bringing them one step closer to financial and social security.
2. Ayushman Bharat Yojana
Introduced in 2018, Ayushman Bharat, also referred to as PM-JAY (Pradhan Mantri Jan Arogya Yojana), provides health insurance coverage of up to ₹5 lakh per family per year. It covers more than 10 crore economically vulnerable families, offering access to primary, secondary, and tertiary healthcare services, and is considered one of the world’s largest healthcare programs.
3. Pradhan Mantri Matsya Sampada Yojana (PMMSY)
Launched on September 10, 2020, this scheme focuses on the sustainable development of India’s fisheries sector. With an investment of ₹20,050 crore over five years, PMMSY aims to boost fish production by 70 lakh tons and increase export earnings to ₹1 lakh crore. It plays a vital role in supporting the livelihoods of millions of fishers and fish farmers across the country.
4. Pradhan Mantri Jan Dhan Yojana (PMJDY)
Launched in 2014, Jan Dhan Yojana aims to provide universal access to banking facilities. By offering zero-balance savings accounts, direct benefit transfers, insurance, and pension schemes, this initiative has brought millions of unbanked Indians into the financial mainstream and empowered them with formal financial tools.
5. Atal Pension Yojana (APY)
Introduced in 2015, the Atal Pension Yojana offers guaranteed pension benefits to workers in the unorganized sector. Citizens aged 18 to 40 can contribute a small monthly amount and receive a pension of up to ₹5,000 per month after retirement, ensuring financial stability during old age.
6. Pradhan Mantri Suraksha Bima Yojana (PMSBY)
This affordable insurance scheme, launched in 2015, provides accidental death and disability cover of up to ₹2 lakh at an annual premium of just ₹20. It is open to individuals aged 18 to 70 and offers essential financial security to low-income earners.
7. Swachh Bharat Mission
The Swachh Bharat Abhiyan, launched in 2014, is a nationwide campaign to promote cleanliness and hygiene. It focuses on eliminating open defecation, improving solid waste management, and creating awareness about sanitation practices. The scheme has not only improved health outcomes but has also contributed to behavioral change across rural and urban India.
8. Pradhan Mantri Ujjwala Yojana (PMUY)
Launched in 2016, Ujjwala Yojana aims to provide free LPG connections to women from below-poverty-line households. With over 10 crore beneficiaries, this initiative has improved health outcomes and reduced indoor air pollution by promoting clean cooking fuel in rural areas.
New and Recent Government Schemes in India (2020–2024)
Below is a snapshot of the latest government initiatives launched in recent years to boost development, employment, innovation, and social welfare:
| Year | Scheme Name |
|---|---|
| 2024 | Viksit Bharat by 2047 |
| 2024 | PM Surya Ghar Muft Bijli Yojana (Rooftop Solarisation Scheme) |
| 2024 | Atmanirbhar Oil Seeds Abhiyan |
| 2024 | Employment Linked Incentive Scheme |
| 2024 | New Skilling Programme |
| 2024 | Pradhan Mantri Janjatiya Unnat Gram Abhiyan |
| 2024 | Credit Guarantee Scheme for MSMEs |
| 2024 | Credit Support for MSMEs During Stress Period |
| 2024 | Comprehensive Internship Opportunities Scheme |
| 2024 | NPS Vatsalya |
| 2022 | Agnipath Scheme |
| 2021 | Startup India Seed Fund Scheme |
| 2020 | Ayushman Sahakar Scheme |
| 2020 | Mission COVID Suraksha |
| 2020 | SERB-POWER Scheme |
| 2020 | Mission Karmayogi |
| 2020 | PM SVANidhi (Street Vendor’s AtmaNirbhar Nidhi) |
| 2020 | Sahakar Mitra Scheme |
| 2020 | NIRVIK Scheme |
| 2019 | DHRUV – PM Innovative Learning Programme |
Frequently Asked Questions (FAQs)
Where can I find a list of government schemes in India?
You can visit www.myscheme.gov.in, the official portal to search, apply, and track various government welfare schemes.
What types of schemes are available from the Indian government?
The government offers schemes across sectors like healthcare, education, agriculture, housing, skill development, sanitation, financial inclusion, transportation, and more.
Conclusion
These government schemes represent India’s ongoing commitment to inclusive development and social upliftment. From healthcare and housing to financial security and women’s empowerment, these initiatives are creating real, measurable change in the lives of millions. Staying informed about such schemes can help you or someone you know take advantage of valuable benefits designed to improve quality of life across the country.
