India, in 2025, continues to launch and upgrade various government schemes to support economic growth, employment, digital transformation, rural upliftment, and social welfare. These government initiatives not only benefit the weaker sections of society but also help the youth, farmers, entrepreneurs, and the middle class take advantage of financial and developmental opportunities.
In this blog, we will explore the top government schemes you should know in 2025, who can benefit from them, and how to apply online or offline. If you’re looking for financial support, skill development, or business help, this guide is for you.
🔍 What Are Government Schemes?
Government schemes are organized plans launched by the Indian government (Central or State) to improve different sectors like education, health, agriculture, finance, and employment. These schemes provide subsidies, loans, benefits, or training to various sections of society including women, youth, farmers, and senior citizens.
🏆 Top 15 Government Schemes You Should Know in 2025
Let’s take a look at the most important government schemes in India 2025:
1. PM Vishwakarma Yojana 2025
Target Beneficiaries: Artisans, craftspeople, and traditional workers
Key Features:
- Up to ₹3 lakh in collateral-free loans in 2 tranches
- ₹15,000 toolkit incentive
- Skill upgradation and digital payments support
Application: Online at https://pmvishwakarma.gov.in
2. PM Ujjwala Yojana 2.0
Target Beneficiaries: Below Poverty Line (BPL) women
Key Features:
- Free LPG gas connection for women in poor families
- First refill and stove free under 2.0 upgrade
- Encourages cleaner fuel use in rural India
Application: Through nearest LPG distributor or online at https://pmuy.gov.in
3. PMAY – Pradhan Mantri Awas Yojana (Urban + Gramin)
Target Beneficiaries: Low-income and middle-class families
Key Features:
- Subsidy on home loans under Credit Linked Subsidy Scheme (CLSS)
- Houses for all by 2026 goal
- Beneficiaries include EWS, LIG, and MIG categories
Application: Online via https://pmaymis.gov.in
4. Atmanirbhar Bharat Rojgar Yojana (ABRY)
Target Beneficiaries: Employees and small businesses
Key Features:
- Government pays EPF contribution (both employer + employee)
- Promotes new employment in organized sector
- Helps small firms hire more people
Application: Through EPFO portal or employer registration
5. PM Kisan Samman Nidhi Yojana
Target Beneficiaries: Small and marginal farmers
Key Features:
- ₹6,000 per year paid in 3 equal installments directly to bank accounts
- Covers over 11 crore farmers
- e-KYC mandatory from 2023 onwards
Application: https://pmkisan.gov.in
6. Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)
Target Beneficiaries: Economically weaker families
Key Features:
- Free health insurance up to ₹5 lakh per family/year
- Covers over 1,500 treatments in empaneled hospitals
- Paperless, cashless hospitalization
Application: Check eligibility at https://pmjay.gov.in
7. Digital India Programme
Target Beneficiaries: Citizens, students, rural entrepreneurs
Key Features:
- Promotes internet connectivity in villages
- Common Service Centers (CSCs) for digital access
- Online education, health records, and grievance redressal
Application: Services accessible via https://digitalindia.gov.in
8. Stand Up India Scheme
Target Beneficiaries: Women and SC/ST entrepreneurs
Key Features:
- Bank loans from ₹10 lakh to ₹1 crore for starting businesses
- Encourages job creators instead of job seekers
- Mentoring and skill training included
Application: Apply through bank or online portal https://standupmitra.in
9. Startup India Scheme
Target Beneficiaries: Young entrepreneurs and startups
Key Features:
- 80% rebate in patent costs
- 3 years income tax exemption
- Fast-track funding and regulatory relaxation
Application: Register at https://www.startupindia.gov.in
10. Mission Vatsalya (Child Welfare Scheme)
Target Beneficiaries: Children in need of protection and care
Key Features:
- Integrated Child Protection Services (ICPS)
- Child adoption services, sponsorship, and foster care
- District Child Protection Units (DCPUs)
Application: Through state child welfare departments
11. Samarth Scheme for Textile Sector
Target Beneficiaries: Youth and workers in textile industry
Key Features:
- Skill development training in the textile and apparel sector
- Job placement support post-training
- Focus on rural and women workers
Application: https://samarth-textiles.gov.in
12. e-Shram Portal
Target Beneficiaries: Unorganized workers (construction, delivery, domestic help, etc.)
Key Features:
- National database of unorganized workers
- ₹2 lakh accident insurance
- Direct benefit transfers during crises
Application: https://eshram.gov.in
13. National Apprenticeship Promotion Scheme (NAPS)
Target Beneficiaries: Youth looking for skill-based employment
Key Features:
- Stipend and certification for apprenticeships
- Promotes work-based learning
- Over 5 lakh establishments participating
Application: https://apprenticeshipindia.gov.in
14. PM Suraksha Bima Yojana (PMSBY)
Target Beneficiaries: General public aged 18–70
Key Features:
- ₹12 annual premium
- ₹2 lakh accidental insurance cover
- Auto-debit from bank account
Application: Through any bank branch
15. National Digital Health Mission (NDHM)
Target Beneficiaries: All citizens
Key Features:
- Unique Health ID for each person
- Digital access to health records
- Simplifies hospital visits and insurance claims
Application: https://healthid.ndhm.gov.in
🧾 How to Apply for Government Schemes Online in 2025
Most Indian government schemes are now digital-first. Here are common steps to apply:
- Visit Official Website
Use trusted government URLs like .gov.in or .nic.in. - Register Using Aadhaar & Mobile Number
Most schemes require Aadhaar-based authentication. - Fill in Details & Upload Documents
Upload income certificate, caste certificate, bank account, etc. - Submit Application
Keep a screenshot or reference number for tracking.
You can also visit Common Service Centers (CSCs) in your area for assistance.
📊 Benefits of Government Schemes
- Empowerment: Women, youth, and backward classes gain financial independence.
- Digital Inclusion: Citizens in remote areas get access to banking and internet.
- Skill Development: Boosts employability through training programs.
- Health & Welfare: Insurance and nutrition schemes protect families from crises.
- Business Growth: MSMEs and startups receive funding and support.
For more information about other schemes visit my website AOS