🏛️ Government Scheme Finder

Government schemes are welfare programmes launched by the central or state governments of India to provide financial support, subsidised services, insurance, loans, and social security to citizens. They are broadly divided into two types: central government schemes, which are funded entirely by the Union Government and available to eligible citizens across all 28 states and 8 union territories, and state government schemes, which are designed and administered by individual state governments for their own residents.

Central schemes cover areas such as agricultural income support (PM Kisan), health insurance (Ayushman Bharat PMJAY), housing (PM Awas Yojana), business loans (MUDRA), pensions (Atal Pension Yojana), and girl-child savings (Sukanya Samriddhi Yojana). State schemes often supplement these with additional benefits — for instance, some states add an extra cash transfer on top of PM Kisan, while others run their own crop insurance or scholarship programmes.

Despite this wide safety net, studies and government data consistently show that nearly 60% of eligible Indians never claim the schemes they qualify for. The reasons are varied: lack of awareness, language barriers, difficulty navigating multiple government portals, confusion about eligibility criteria, and the document requirements involved. A family in rural Bihar may qualify for PM Kisan, PM Awas Yojana, Ayushman Bharat, and a state-specific agricultural scheme all at once — yet never apply for any of them simply because they do not know these programmes exist.

NagrikIQ's Scheme Finder addresses this gap. By asking four simple questions — your state, your caste category, your annual household income, and your primary occupation — our tool cross-references your profile against 3,500+ central and state government schemes and surfaces only the ones you are likely to qualify for. Each result includes the exact benefit amount, which government ministry runs the scheme, and a verified direct link to the official application portal. No agents, no fees, no confusion.

📊 Our Coverage

NagrikIQ covers 3,500+ government schemes across 28 states and 8 union territories of India — including central ministry schemes, state welfare programmes, district-level initiatives, and special schemes for farmers, women, students, senior citizens, and persons with disabilities. Our database is reviewed and updated regularly to reflect new scheme launches, revised eligibility criteria, and changes in benefit amounts. Whether you are looking for agricultural subsidies in Punjab, housing grants in Odisha, or skill development programmes in Maharashtra, our scheme finder helps you discover what you are entitled to — quickly and for free.