CentralPension Fund Regulatory and Development Authority (PFRDA)
Atal Pension Yojana (APY)
Guaranteed monthly pension of ₹1,000–₹5,000 from age 60 for the unorganised sector.
Financial InclusionSocial Welfare
Financial Inclusion Schemes in India
Banking, insurance, and pension coverage. Explore 9 government schemes for financial inclusion with eligibility, benefits, and the official source for each.
9 scheme(s) in this category
StateGovernment of Karnataka (Women & Child Development)
Bhagyalakshmi Scheme (Karnataka)
Girl-child insurance and education support for BPL families in Karnataka.
Women & ChildrenFinancial Inclusion
CentralMinistry of Electronics & Information Technology
Digital India / Common Service Centres (CSC)
Digital access to government services via CSCs and online platforms for every citizen.
Financial InclusionEmployment & Jobs
CentralMinistry of Housing & Urban Affairs
Pradhan Mantri Awas Yojana – Urban (PMAY-U)
Housing for all in urban areas with interest subsidy on home loans for EWS, LIG and MIG households.
Housing & SanitationFinancial Inclusion
CentralDepartment of Financial Services, Ministry of Finance
Pradhan Mantri Jan Dhan Yojana (PMJDY)
Zero-balance bank account with RuPay card, insurance, and direct benefit transfer access for every household.
Financial Inclusion
CentralMinistry of Finance
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
₹2 lakh life cover at just ₹436/year for adults with a bank account.
Financial InclusionSocial Welfare
CentralMinistry of Agriculture & Farmers' Welfare
Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)
₹6,000 per year direct income support to eligible landholding farmer families, paid in three instalments.
Agriculture & FarmingFinancial Inclusion
CentralMinistry of Finance (MUDRA)
Pradhan Mantri Mudra Yojana (PMMY)
Collateral-free micro-loans (Shishu/Kishor/Tarun) for non-farm small businesses.
EntrepreneurshipFinancial Inclusion
CentralDepartment of Economic Affairs, Ministry of Finance
Sukanya Samriddhi Yojana (SSY)
Government savings scheme for the girl child with a high, tax-free interest rate.
Women & ChildrenFinancial Inclusion
Frequently asked
Questions about financial inclusion schemes
What are the main financial inclusion schemes?
Jan Dhan (zero-balance accounts), Atal Pension Yojana, PM Jeevan Jyoti and Suraksha Bima, and Sukanya Samriddhi are key schemes covering banking, insurance, and pensions.
Is Pradhan Mantri Jan Dhan Yojana free?
Yes — it offers a zero-balance account with a RuPay debit card. You do not need an agent or fee to open one; use the official source linked here.
How do I enrol in a government pension scheme?
Atal Pension Yojana is for workers aged 18 to 40 and can be opened via a bank or post office. Confirm the current rules on the official source.