Sarkari Yojana — Hak Hai Aapka, Lekin Jankari Nahi Hoti
India mein central aur state government milakaar 500+ welfare schemes chalati hain. PM Awas Yojana se lekar Ayushman Bharat tak, Sukanya Samriddhi se lekar PM Kisan tak — in sab ke different eligibility criteria hain.
Problem yeh hai ki zyada tar log ya toh jaante hi nahi ki woh eligible hain, ya phir galat assumption mein apply karte hain. Hamara calculator aapko quickly batata hai ki aap kisi scheme ke liye eligible hain ya nahi.
Top Central Government Schemes — Eligibility Criteria
PM Kisan Samman Nidhi
- Kaun: Chhote aur marginal farmers jinke paas 2 hectare tak zameen ho
- Amount: ₹6,000/year (₹2,000 × 3 installments)
- Ineligible: Government employees, income tax payers, ₹10,000+ monthly pension wale
Ayushman Bharat (PM-JAY)
- Kaun: SECC 2011 data ke hisaab se identified poor/vulnerable families
- Benefit: ₹5 lakh/year per family health insurance
- Check: pmjay.gov.in par naam search karo
Sukanya Samriddhi Yojana
- Kaun: 10 saal se kam umar ki beti ke parents
- Minimum: ₹250/year, Maximum: ₹1.5 lakh/year
- Return: 8.2% (tax-free, government guaranteed)
- Maturity: 21 saal ki age par ya shaadi par (18 saal ke baad)
PM Awas Yojana (Urban)
- EWS: Annual income ₹3 lakh tak
- LIG: ₹3-6 lakh annual income
- MIG-I: ₹6-12 lakh, MIG-II: ₹12-18 lakh
- Subsidy: 6.5% interest subsidy on home loan (amount varies by category)
Atal Pension Yojana
- Kaun: 18-40 saal ke Indians jo income tax nahi bharte
- Pension: ₹1,000 to ₹5,000/month (60 saal ke baad)
- Contribution: Age aur desired pension pe depend (calculator mein dekho)
Calculator Kaise Use Karen
- Apni category select karo (farmer, urban poor, salaried, etc.)
- Annual income daalen
- Family details (members, land holding if applicable)
- Calculator dikhayega — aap kaunsi schemes ke liye eligible ho
- Direct apply links bhi milenge
Important Documents Jo Rakhne Chahiye
- Aadhaar card (mandatory almost everywhere)
- Bank account (DBT ke liye linked)
- Income certificate (state government se)
- Caste certificate (agar SC/ST/OBC benefits chahiye)
- Land documents (PM Kisan ke liye)
FAQs
Q: Kya ek se zyada schemes ka fayda le sakte hain?
A: Haan — different schemes different benefits ke liye hain. Ek scheme lene se doosri automatically ban nahi hoti (unless specifically restricted ho).
Q: Online apply kahan se karen?
A: umang.gov.in — almost all government services ek jagah. Ya phir specific portal (pmkisan.gov.in, pmjay.gov.in) directly.
Q: Scheme ke liye reject ho gaye — kya karein?
A: Rejection reason note karo, documents correct karo, dobara apply karo. Grievance portal bhi available hai.