Government schemes

Government schemes, explained simply

Clear guides to central schemes and Andhra Pradesh and Telangana state schemes: who can apply, what you get, which documents you need, and how to apply on the official portal.

తెలుగులో పథకాలు చదవండి →  ·  ⏰ Latest updates & deadlines →

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Schemes for boys & men
Scholarships, first-job reward, workers' pension, vendor loans and more.
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Opportunities for youth
Paid internships, Agniveer, free skill training and business loans.
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Schemes for girls & women
Scholarships, business loans, SHG support and more, in one place.
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Not sure which schemes are for you?
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Atal Pension contribution by age · Sukanya Samriddhi maturity amount

Kisan Credit Card (KCC)

Crop loans for farmers, fish farmers and livestock farmers at 7% interest, 4% if repaid on time. Up to ₹2 lakh without collateral.

Farmers & Agriculture

PM Surya Ghar Muft Bijli Yojana (Rooftop Solar)

Up to ₹78,000 subsidy to put solar panels on your roof and get up to 300 units of power a month. Open till March 2027.

Housing

PM Ujjwala Yojana (Free LPG Connection)

Free LPG connection, first refill and stove for women from poor families. ₹300 subsidy now on 4 refills a year (from June 2026).

Women & Girls

Nirudyoga Bhruthi Unemployment Allowance (Andhra Pradesh)

₹3,000 a month promised for unemployed youth in the 2024 Super Six. Not started as of October 2026: no order, no application.

Andhra PradeshJobs & Internships

Aadabidda Nidhi ₹1,500 for Women (Andhra Pradesh)

₹1,500 a month promised for women aged 18+ in the 2024 Super Six. Not started as of October 2026: no order, no application.

Andhra PradeshWomen & Girls

Dr NTR Vaidya Seva Health Scheme (Andhra Pradesh)

Cashless treatment up to ₹25 lakh per family a year for 3,257 procedures. New universal health policy approved; start not yet confirmed.

Andhra PradeshHealth

Fee Reimbursement & Post-Matric Scholarships (Telangana)

Tuition fee and maintenance for SC, ST, BC, EBC, minority and disabled students through ePASS. From 2026-27, paid to students' accounts.

TelanganaEducation & Skills

Fee Reimbursement & Post-Matric Scholarships (Andhra Pradesh)

Full tuition fee for college students from families earning up to ₹2.5 lakh, plus ₹10,000–₹20,000 a year for food and hostel to the mother.

Andhra PradeshEducation & Skills

PM Fasal Bima Yojana (Crop Insurance)

Low-cost crop insurance against drought, floods, pests and unseasonal rain. AP Rabi 2026-27: enrol by 15 Dec (paddy 31 Dec).

Farmers & Agriculture

Kalyana Lakshmi & Shaadi Mubarak (Telangana)

₹1,00,116 once for the marriage of a girl from a poor SC, ST, BC, EBC or minority family, paid to her mother.

TelanganaWomen & Girls

Matsyakarula Sevalo for Fishermen (Andhra Pradesh)

₹20,000 a year for sea fishermen families during the 15 April–14 June fishing ban. 2026 paid in May.

Andhra PradeshFarmers & Agriculture

Nethanna Sevalo for Handloom Weavers (Andhra Pradesh)

₹25,000 a year for BPL handloom weaver families who own a loom. 2nd phase payment date not yet announced.

Andhra PradeshBusiness & Self-employment

Auto Drivers Sevalo (Andhra Pradesh)

₹15,000 a year for auto, taxi and maxi-cab owner-drivers in AP. 2026 payment date not yet announced.

Andhra PradeshBusiness & Self-employment

PM SVANidhi (Loans for Street Vendors)

Collateral-free loans of ₹15,000, ₹25,000 and ₹50,000 for street vendors, with a 7% interest subsidy. Open until 2030.

Business & Self-employment

PM Shram Yogi Maandhan (Pension for Workers)

₹3,000 monthly pension at 60 for workers earning up to ₹15,000 a month. Join at 18–40; the government matches your payment.

Pension & Insurance

e-Shram Card for Unorganised Workers

Free national ID for daily-wage, gig and other unorganised workers aged 16–59, linking them to welfare schemes.

Jobs & Internships

PM Viksit Bharat Rozgar Yojana (First Job)

Up to ₹15,000 for first-time employees who join a job with PF (EPFO) between Aug 2025 and Jul 2027.

Jobs & Internships

Central Sector Scholarship for College Students (CSSS)

₹12,000–₹20,000 a year for college students in the top 20% of their Class 12 board. 2026-27 last date: 31 October.

Education & Skills

Rajiv Yuva Vikasam (Telangana)

Announced ₹50,000–₹4 lakh self-employment support for SC/ST/BC/minority youth. First phase planned from 19 Nov 2026.

TelanganaBusiness & Self-employment

PM Vishwakarma

For carpenters, tailors, barbers and other artisans: paid training, ₹15,000 toolkit and loans up to ₹3 lakh at 5%.

Business & Self-employment

Agnipath Scheme (Agniveer)

Four years in the Army, Navy or Air Force: ₹30,000–₹40,000 a month and about ₹11.71 lakh tax-free at exit.

Jobs & Internships

PM Kaushal Vikas Yojana (PMKVY)

Free short skill-training courses with a government certificate, for anyone aged 15 to 59.

Education & Skills

PM Internship Scheme

Paid internships in top companies for ages 18–25: at least ₹9,000 a month plus ₹6,000 one-time.

Jobs & Internships

Indira Mahila Shakti (Telangana)

Interest-free loans up to ₹10 lakh for SHGs, and women-run canteens, buses, petrol bunks and solar plants.

TelanganaBusiness & Self-employment

Lakhpati Didi (SHG women)

Loans, training and business help so rural self-help group women earn ₹1 lakh+ a year.

Women & Girls

CBSE Single Girl Child Scholarship

₹1,000 a month in Class 11–12 for an only daughter who scored 70%+ in CBSE Class 10.

Education & Skills

AICTE Pragati Scholarship for Girls

₹50,000 a year for girls in AICTE-approved degree and diploma courses. 2026-27 last date: 31 October.

Education & Skills

Cheyutha Pension (Telangana)

Monthly pensions for poor elderly people, widows, single women, persons with disabilities and other groups.

TelanganaPension & Insurance

Rajiv Aarogyasri (Telangana)

Cashless treatment up to ₹10 lakh per family per year for 1,835 procedures, for white ration card families.

TelanganaHealth

Gruha Jyothi Free Electricity (Telangana)

Zero electricity bill for eligible households that use up to 200 units a month.

TelanganaHousing

Stree Shakti Free Bus Travel (Andhra Pradesh)

Free travel for women, girls and transgender persons in APSRTC ordinary and express buses across AP.

Andhra PradeshWomen & Girls

Deepam-2 Free Gas Cylinders (Andhra Pradesh)

Three free LPG cylinders a year for rice card families, one every four months, refunded within 48 hours.

Andhra PradeshWomen & Girls

Indiramma Indlu (Telangana)

Up to ₹5 lakh to build a pucca house for poor families who don't own one, paid in stages.

TelanganaHousing

Mahalakshmi Scheme (Telangana)

Free TGSRTC bus travel for women and girls, and ₹500 LPG cylinders for eligible families.

TelanganaWomen & Girls

Rythu Bharosa (Telangana)

₹12,000 per acre every year for Telangana farmers, paid as ₹6,000 per acre each crop season.

TelanganaFarmers & Agriculture

Thalliki Vandanam (Andhra Pradesh)

₹15,000 a year for every school-going child in Classes 1–12, with ₹13,000 paid to the mother.

Andhra PradeshEducation & Skills

NTR Bharosa Pension (Andhra Pradesh)

Monthly pensions of ₹4,000 to ₹15,000 for the elderly, widows, persons with disabilities and other groups.

Andhra PradeshPension & Insurance

Annadata Sukhibhava (Andhra Pradesh)

₹20,000 a year for AP farmer families: ₹14,000 from the state plus ₹6,000 from PM-KISAN, in three instalments.

Andhra PradeshFarmers & Agriculture

PM Suraksha Bima Yojana (PMSBY)

Accident insurance up to ₹2 lakh for just ₹20 a year, for anyone aged 18–70 with a bank account.

Pension & Insurance

PM Jeevan Jyoti Bima Yojana (PMJJBY)

₹2 lakh life insurance for ₹436 a year, for anyone aged 18–50 with a bank or post office account.

Pension & Insurance

PM Jan Dhan Yojana (PMJDY)

A zero-balance bank account with a free RuPay card, ₹2 lakh accident cover and an overdraft of up to ₹10,000.

Banking

Atal Pension Yojana (APY)

A guaranteed pension of ₹1,000 to ₹5,000 a month after 60, for anyone aged 18–40 who is not an income-tax payer.

Pension & Insurance

PM Mudra Yojana (PMMY)

Collateral-free business loans up to ₹20 lakh for small shops, services, manufacturing and allied farm activities.

Business & Self-employment

PM Awas Yojana – Gramin (PMAY-G)

₹1.2 lakh (₹1.3 lakh in hilly and North-East areas) to build a pucca house in villages, plus toilet and wage support.

Housing

PM Awas Yojana – Urban 2.0 (PMAY-U 2.0)

Help to build, buy or rent a house in towns and cities: ₹2.5 lakh assistance or up to ₹1.8 lakh home-loan subsidy.

Housing

Sukanya Samriddhi Yojana (SSY)

A high-interest, tax-free savings account for a girl child under 10, for her education and marriage.

Women & Girls

Ayushman Bharat PM-JAY

Free hospital treatment up to ₹5 lakh per family per year, plus cover for every citizen aged 70 and above.

Health

PM-KISAN (Pradhan Mantri Kisan Samman Nidhi)

₹6,000 a year for land-holding farmer families, paid in three ₹2,000 instalments straight to the bank account.

Farmers & Agriculture

No schemes match yet. New guides are added every week.

Coming soon: National Scholarship Portal, PM-KUSUM (solar pumps), Stand-Up India (when relaunched), and more Andhra Pradesh and Telangana schemes.

Kramavriddhi is an independent information website, not a government website. We never ask for your Aadhaar, bank details or any fee. Always apply only on the official portal linked in each guide.