Karnataka

Government Schemes

Browse 4 state-specific schemes for Karnataka, plus all 14 central government schemes applicable to you.

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Karnataka State Schemes

4 schemes specific to Karnataka

StateWomen & Child

Gruha Lakshmi Scheme

Government of Karnataka

KEY BENEFITS:

  • ❖₹2,000 per month
  • ❖Direct bank transfer on fixed date
  • ❖Covers woman head of every household
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StateEmployment

Yuva Nidhi Scheme

Government of Karnataka

KEY BENEFITS:

  • ❖₹3,000/month for degree graduates
  • ❖₹1,500/month for diploma holders
  • ❖Provided for up to 2 years
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StateFinance

Gruha Jyoti Scheme

Department of Energy, Government of Karnataka

KEY BENEFITS:

  • ❖First 200 units of electricity per month completely free
  • ❖Zero electricity bill for households consuming up to 200 units/month
  • ❖Benefit automatically applied to existing electricity connection
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StateHousing

Rajiv Gandhi Housing Corporation Scheme

Rajiv Gandhi Housing Corporation Limited (RGHCL), Government of Karnataka

KEY BENEFITS:

  • ❖Financial assistance up to ₹1.50 lakh for house construction (rural BPL)
  • ❖Subsidy for urban EWS/LIG housing under state and centrally assisted components
  • ❖Convergence with PMAY-Gramin and PMAY-Urban for enhanced benefit
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Central Government Schemes

All 14 central schemes are also available in Karnataka

CentralAgriculture

PM-KISAN (Pradhan Mantri Kisan Samman Nidhi)

Ministry of Agriculture & Farmers Welfare

KEY BENEFITS:

  • ❖₹6,000 per year
  • ❖Payable in three equal installments of ₹2,000
  • ❖Direct bank transfer. No middlemen involved
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CentralHealth

Ayushman Bharat PM-JAY

Ministry of Health and Family Welfare

KEY BENEFITS:

  • ❖Health cover of ₹5 lakhs per family per year
  • ❖Cashless access at 25,000+ empaneled hospitals
  • ❖Covers pre and post hospitalization expenses
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CentralWomen & Child

PM Ujjwala Yojana

Ministry of Petroleum and Natural Gas

KEY BENEFITS:

  • ❖Free LPG connection
  • ❖First refill free
  • ❖LPG stove (chulha) free
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CentralHousing

Pradhan Mantri Awas Yojana (Gramin)

Ministry of Rural Development

KEY BENEFITS:

  • ❖Financial assistance up to ₹1.20 lakh (plains)
  • ❖₹1.30 lakh in hilly/NE states
  • ❖Convergence with Swachh Bharat for toilet
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CentralEmployment

Pradhan Mantri Mudra Yojana (PMMY)

Ministry of Finance

KEY BENEFITS:

  • ❖Shishu: Loans up to ₹50,000
  • ❖Kishore: Loans ₹50,001 to ₹5 lakh
  • ❖Tarun: Loans ₹5 lakh to ₹10 lakh
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CentralFinance

National Social Assistance Programme (NSAP)

Ministry of Rural Development

KEY BENEFITS:

  • ❖₹200-₹500/month central contribution
  • ❖States top up to increase total pension
  • ❖Monthly direct bank transfer
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CentralEmployment

PM SVANidhi (Street Vendor AtmaNirbhar Nidhi)

Ministry of Housing and Urban Affairs

KEY BENEFITS:

  • ❖Initial loan up to ₹10,000 without collateral
  • ❖Enhanced loan up to ₹20,000 on timely repayment
  • ❖Further loan up to ₹50,000 for repeat borrowers
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CentralEducation

Pre-Matric Scholarship for SC/ST Students

Ministry of Social Justice & Empowerment

KEY BENEFITS:

  • ❖Monthly day scholar allowance
  • ❖Monthly hostel allowance
  • ❖Annual adhoc grant for books and stationery
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CentralAgriculture

Kisan Credit Card (KCC)

Ministry of Agriculture & Farmers Welfare

KEY BENEFITS:

  • ❖Revolving credit limit based on land holding and crop pattern
  • ❖Interest rate as low as 4% per annum with prompt repayment subvention
  • ❖Credit for crop cultivation, post-harvest, and allied activities
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CentralEducation

Post-Matric Scholarship for SC/ST Students

Ministry of Social Justice & Empowerment / Ministry of Tribal Affairs

KEY BENEFITS:

  • ❖Maintenance allowance: ₹380–₹1,200/month for day scholars (varies by course level)
  • ❖Maintenance allowance: ₹1,000–₹1,500/month for hostellers
  • ❖Study tour, thesis, book allowance as applicable
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CentralEducation

National Means-cum-Merit Scholarship Scheme (NMMSS)

Ministry of Education

KEY BENEFITS:

  • ❖₹12,000 per year (₹1,000/month) scholarship
  • ❖Paid from Class 9 to Class 12 (4 years)
  • ❖Direct bank transfer via DBT
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CentralEducation

Samagra Shiksha Abhiyan

Ministry of Education

KEY BENEFITS:

  • ❖Free and compulsory education for all children aged 6–14 (RTE)
  • ❖Free textbooks, uniforms, and stationery for eligible students
  • ❖Residential schools and hostels for girls and SC/ST students
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CentralFinance

Atal Pension Yojana (APY)

Ministry of Finance (Administered by PFRDA)

KEY BENEFITS:

  • ❖Guaranteed monthly pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000 after age 60
  • ❖Same pension continues to spouse after subscriber's death
  • ❖Nominee receives the corpus amount on death of both subscriber and spouse
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CentralEmployment

Stand-Up India

Ministry of Finance (SIDBI)

KEY BENEFITS:

  • ❖Composite loan of ₹10 lakh to ₹1 crore per eligible borrower
  • ❖Covers 75% of project cost (promoter must contribute at least 10%)
  • ❖Repayment period up to 7 years with a moratorium of up to 18 months
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