Frequently Asked Questions

Go to the ClaimThis Eligibility Checker page and fill in your age, state, gender, caste category, annual family income, and occupation. Our engine instantly matches your profile against 500+ scheme eligibility rules and shows you only the schemes you qualify for. No login, no registration, completely free.

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Our database is built from publicly available government notifications and official scheme documents. While we strive for accuracy, eligibility rules can change. We always recommend verifying on the official government portal linked from each scheme card before applying.

Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) provides ₹6,000 per year to small and marginal farmer families, paid in three installments of ₹2,000 every four months. To be eligible, you must own cultivable agricultural land in your name, must not be a government employee (serving or retired), must not be a former or serving MP/MLA/Minister, and must not be an income tax payer. The scheme applies to farmers with income below approximately ₹5 lakh per year.

Ayushman Bharat PM-JAY provides health coverage of ₹5 lakh per family per year. To apply: (1) Check eligibility at pmjay.gov.in or call 14555. (2) If eligible, visit a Common Service Centre (CSC), empaneled hospital, or Jan Seva Kendra. (3) Bring your Aadhaar card and ration card. (4) Your Ayushman card will be issued free of cost. Eligible families include those in the SECC 2011 database, Scheduled Castes/Tribes, and other economically weaker sections.

PM Ujjwala Yojana provides free LPG connections to adult women from BPL households. To apply: (1) Visit your nearest LPG distributor (HP Gas, Bharat Gas, or Indane). (2) Fill KYC Form 1 and KYC Form 2. (3) Submit with your Aadhaar card, ration card or any valid address proof, bank account details, and BPL/SECC documentation. (4) A free LPG connection including stove and first cylinder will be provided. The scheme especially prioritizes SC/ST households, PMAY beneficiaries, and Antyodaya Anna Yojana card holders.

PM Awas Yojana has two components: PM Awas Yojana (Rural) for rural BPL families with income below ₹3 lakh and PM Awas Yojana (Urban) for urban EWS (income < ₹3 lakh) and LIG (income ₹3-6 lakh) families. The scheme provides financial assistance of ₹1.20 lakh to ₹2.67 lakh for house construction or purchase. Priority is given to SC/ST, women-headed households, and minorities. Applications are made through Gram Panchayats (rural) or Urban Local Bodies (urban).

PMMY provides collateral-free loans to micro and small enterprises through member lending institutions. There are three categories: Shishu (loans up to ₹50,000), Kishore (₹50,001 to ₹5 lakh), and Tarun (₹5 lakh to ₹10 lakh). Any Indian citizen with a business plan for non-farm income-generating activities can apply. There is no income cap, but the business must be non-agricultural.

SC/ST category citizens are eligible for numerous additional benefits: (1) Priority in Ayushman Bharat PM-JAY health coverage. (2) PM Scholarship Scheme for students. (3) Stand-Up India scheme for SC/ST entrepreneurs (loans ₹10 lakh to ₹1 crore). (4) National Scheduled Castes Finance and Development Corporation loans. (5) Priority in PM Awas Yojana housing. (6) Dr. Ambedkar National Merit Award. (7) Post-matric scholarships. (8) State-specific welfare schemes from SC/ST Development Corporations in each state.

Indian farmers can access: Central: PM-KISAN (₹6,000/year income support), PM Fasal Bima Yojana (crop insurance), Kisan Credit Card (low-interest credit up to ₹3 lakh), PM Krishi Sinchai Yojana (irrigation), Soil Health Card, PM Kusum (solar pumps), eNAM (online market platform). State-specific: Rythu Bandhu (Telangana - ₹5,000/acre), Krishak Bandhu (West Bengal - ₹10,000/year), YSR Rythu Bharosa (Andhra Pradesh), Kisan Rin Mafi (MP - loan waiver). Use our checker to find which apply to your state.

Income limits vary significantly: Below ₹1 lakh/year (BPL): Free ration, Ujjwala Yojana, PM Garib Kalyan. Below ₹2 lakh/year: NSAP pension, NFSA ration card. Below ₹3 lakh/year: Ayushman Bharat PM-JAY (EWS), PM Awas Rural. Below ₹5 lakh/year: PM-KISAN, most EWS housing schemes. Below ₹8 lakh/year: EWS reservation, some state schemes. No income limit: Jan Dhan Yojana, Soil Health Card, skill development programs. Use the ClaimThis checker to input your exact income bracket.

Yes, many schemes specifically target women: Central: PM Ujjwala Yojana (free LPG), Pradhan Mantri Matru Vandana Yojana (₹5,000 maternity benefit), Stand-Up India (SC/ST and women entrepreneurs), Mission Shakti (safety and empowerment), Mahila Shakti Kendra. State: Karnataka's Gruha Lakshmi (₹2,000/month), West Bengal's Lakshmir Bhandar (₹500-1,000/month), Tamil Nadu's Magalir Urimai Thittam, MP's Ladli Behna Yojana (₹1,250/month), Rajasthan's Kalibai Scholarship for girls.

Most states have comprehensive welfare portfolios. Andhra Pradesh, Telangana, Tamil Nadu, Karnataka, and West Bengal are known for expansive direct benefit transfer schemes. AP has 20+ YSR-branded schemes. Karnataka recently launched Gruha Lakshmi, Gruha Jyoti, and Anna Bhagya in addition to existing schemes. West Bengal's Lakshmir Bhandar alone covers millions. However, all states supplement the 20+ central government schemes that apply nationally.

Each scheme card on ClaimThis has an 'Apply Online' button that links to the official government portal. In general: (1) Prepare documents: Aadhaar card, bank account details, ration card, income certificate, caste certificate (if applicable). (2) Visit the official portal linked from the scheme. (3) Register or log in using Aadhaar or mobile OTP. (4) Fill out the application form. (5) Upload required documents. (6) Submit and note your application reference number. Many schemes also accept offline applications at Common Service Centres (CSCs), Gram Panchayats, or district offices.

Common documents needed: (1) Aadhaar card (mandatory for most schemes). (2) Bank account passbook (DBT benefits go directly to bank). (3) Ration card or BPL certificate. (4) Income certificate from Tehsildar/SDM. (5) Caste certificate for SC/ST/OBC applicants, issued by competent authority. (6) Land records/Khatian (for farmer schemes like PM-KISAN). (7) Domicile certificate or state residence proof. (8) Passport size photographs. Always check the specific scheme's document list on its official portal.