5 Government scheme in 2025: In 2025, the Indian Government continues to empower citizens by providing financial, health, and welfare schemes for building a safer and more inclusive society. As a salaried employee, parent, or a retiree, here are 5 government schemes that benefit the common Indian citizen the most.
1. Pradhan Mantri Awas Yojana (PMAY) – Subsidy for First-Time Home Buyers
Key Benefit: Interest subsidy up to ₹2.67 lakh on home loan
Target: Low, Middle, and Economically Weaker Sections first-time home buyers
Interest Subsidy: 3% to 6.5% based on income category
Eligibility:
1. Applicant should not possess a pucca house in India
2. Household income annually should be within certain limits (up to ₹18 lakh)
3. Home loan should be availed for purchase or construction of property
Why You Should Apply:
Buying your own home is made simpler with government assistance. Your home loan EMI is directly cut by the amount of subsidy.
Apply at: pmaymis.gov.in
2. Sukanya Samriddhi Yojana (SSY) – Secure Your Daughter's Future
Major Benefit: 8.2% interest earned tax-free annually and compounded annually
Target Group: Girl child parents below 10 years of age
Deposit Limit: Minimum ₹250 to a maximum of ₹1.5 lakh annually
Maturity: 21 years or on marriage after the age of 18
Tax Relief: Complete tax exemption under Section 80C
Why You Should Invest:
This is one of the highest interest-paying small savings schemes, perfect for your daughter’s education or wedding.
Open at: Any post office or designated banks
3. National Pension System (NPS) – Retirement Planning with Tax Advantage
Key Benefit: Additional ₹50,000 tax saving under Section 80CCD(1B)
Target: Any Indian citizen between 18 and 70 years
Contribution: As low as ₹500 every month
Returns: Market-linked (average 9%–12%)
Tax Benefits:
1. ₹1.5 lakh under Section 80C
2. Additional ₹50,000 under Section 80CCD(1B)
Why You Should Join:
NPS not only accumulates your retirement corpus but also lowers your present income tax burden.
Register at: enps.nsdl.com
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4. Ayushman Bharat Yojana – Free ₹5 Lakh Health Insurance for Families
Major Benefit: ₹5 lakh/year cashless treatment at empaneled hospitals
Target: Economically weaker sections and low-income families
Coverage: More than 1,400 diseases such as cancer, dialysis, surgeries
Eligibility:
1. On the basis of SECC 2011 data (no premium to be paid)
2. Verify using mobile number on the PM-JAY portal
Why You Should Apply:
It’s the world’s largest health assurance program, providing financial protection against significant medical bills.
Verify eligibility at: pmjay.gov.in
5. Employees' State Insurance Corporation (ESIC) – Free Medical for Workers
Major Benefit: Free medical for workers earning ≤ ₹21,000/month
Target: Private sector workers and their families
Services:
1. Outpatient and inpatient treatment
2. Maternity, disability, and sickness benefits
3. Dependents’ benefits in case of worker’s death
Eligibility:
1.Monthly salary should be ≤ ₹21,000
2. Employer needs to be ESIC registered
Why It Matters:
ESIC offers a comprehensive social security net for low-wage workers and their dependents.
Details at: esic.nic.in
These five Government scheme provide life-altering benefits — from purchasing your dream home to securing your child’s future, healthcare security, and retirement planning. If you’re eligible, avail of them today and create a stronger and secured financial future.
