Banking & Finance Government Schemes
323 government schemes in the banking & finance category, including 72 central schemes. Open any scheme for eligibility, benefits and how to apply.
Check which ones you are eligible for →Self-Employment loan scheme for Minority Widows, Divorcees / Abandoned Women
The scheme aims to provide self-employment loans to women from minority communities. Financial assistance with a 20% subsidy is provided to widows, divorced women, and abandoned women from minority communities. The scheme is implemented by the KSMDFC.
"Agricultural Income Tax Holiday" under the "Assam Tea Industries Special Incentives Scheme"
The scheme aims to ensure long-term financial sustainability of the Tea industry and to incentivize manufacturers to move from Crush, Tear, Curl tea to Orthodox tea production. The scheme is implemented by the Finance Department and the Industries & Commerce Department, Government of Assam.
"Annual Insurance Premium for Boat Owners" under "Financial Assistance for Availing Subsidy Components for the Development of Marine Fisheries"
"Annual Insurance Premium for Boat Owners" under "Financial Assistance for Availing Subsidy Components for the Development of Marine Fisheries" is introduced to increase marine fish production through subsidies for the annual premiums for insurance coverage paid by the mechanized boat operators.
"Interest Subvention on Working Capital" under the "Assam Tea Industries Special Incentives Scheme"
The scheme aims to ensure long term financial sustainability of the Tea industry and incentivize Orthodox tea production over Crush, Tear, Curl tea. It provides interest subvention, production subsidies, plant & machinery subsidies, tax holidays to tea plantations and manufacturing units in Assam.
"Orthodox or Specialty Tea Production Subsidy" under the "Assam Tea Industries Special Incentives Scheme"
The scheme aims to ensure long-term financial sustainability of the Tea industry and to incentivize manufacturers to move from Crush, Tear, Curl tea to Orthodox tea production. The scheme is implemented by the Finance Department and the Industries & Commerce Department, Government of Assam.
"Subsidy for Orthodox & Speciality Tea Unit for Plant & Machinery" under the "Assam Tea Industries Special Incentives Scheme"
The scheme aims to ensure long-term financial sustainability of the Tea industry and to incentivize manufacturers to move from Crush, Tear, Curl tea to Orthodox tea production. The scheme is implemented by the Finance Department and the Industries & Commerce Department, Government of Assam.
₹ 5 Lakh Insurance Cover To Farmers
Launched on 15 August 2018, the scheme "₹5 Lakh Insurance Cover for Farmers" is an Insurance Scheme by the Department of Agriculture, Government of Telangana. This scheme provides ₹5 lakh insurance coverage to all farmers aged between 18 and 60 years.
6% Interest Subsidy on Loans taken for Vehicle Purchase through Banks
The scheme aims to support Scheduled Tribe (ST) individuals in purchasing vehicles for self-employment purposes. Under this scheme, tribal beneficiaries availing bank loans for vehicle purchase with interest subsidy. This financial support helps reduce the repayment burden on tribal entrepreneurs.
6% Interest Subsidy on Loans taken through Banks for Study Abroad
The scheme aims to reduce financial stress for ST students pursuing foreign education by providing up to ₹1,50,000 subsidy on interest for 3 years.
Aam Aadmi Bima Yojana (Maharashtra)
The "Aam Aadmi Bima Yojana" scheme is implemented by the Social Justice & Special Assistance Department, Government of Maharashtra. This Centrally Sponsored Scheme is aimed at providing insurance and scholarship benefits to landless labourers in rural areas, aged 18 to 59 years.
AASRA Scheme
The scheme “AASRA Scheme” was launched by the Department of Social Welfare, Government of Jammu & Kashmir in 2015 to provide Social Security cover to widows, Destitute, Below Poverty Line families and Breadwinners of such families whose annual income is less than ₹75000/-.
Amended Technology Upgradation Fund
The Ministry of Textiles introduced the Amended Technology Upgradation Fund Scheme (ATUFS). This scheme aims to facilitate investment, employment, productivity, quality and import and export substitution in the textile industry.
Annath Pension Yojana (JBOCWWB)
"Annath Pension Yojana (JBOCWWB)" is a scheme by the Department of Labour, Employment, Training & Skill Development Govt of Jharkhand. In case of the death of the pensioner, the pension will be payable at the rate of the family pension and will be evenly divided among orphans below 18 years of age.
Aponar Apon Ghar
"Aponar Apon Ghar" is a Home Loan Subsidy Scheme by the Finance Department, Govt. of Assam. The objective is to realize the vision of “Housing For All” by 2022 so that each poor person may have their own house. All the applicants will get home loans at subsidized interest rates.
Arivu Education Loan Scheme
The "Arivu Education Loan Scheme," launched by the Minorities Welfare Department, Government of Karnataka, and implemented by the Karnataka Minorities Development Corporation, offers loans to students pursuing professional courses like MBBS, B.E., B.Tech., MBA, MCA, LLB, and others in various fields
Ashraya Adhar Scheme
"Ashraya Adhar Scheme" is introduced to provide financial assistance in the form of loans to the members of Scheduled Tribes for the purpose of repair, renovation/reconstruction of houses. The Goa State Scheduled Tribes Finance and Development Corporation has introduced this scheme.
Assam Abhinandan Education Loan Subsidy Scheme
"Assam Abhinandan Education Loan Subsidy Scheme" was launched on 26 December 2019 by the Hon'ble Chief Minister of Assam. The scheme is managed by the Finance Department, Govt. of Assam. The govt. will provide a loan subsidy of up to ₹ 50,000 on education loans to students pursuing higher education.
Assam Tea Plantations Provident Fund Scheme
The scheme aims to provide financial security to Assam tea plantation workers through a contributory provident fund. It benefits eligible employees earning up to ₹6,500/- per month by accumulating 12% contributions from both the worker and employer, earning interest to be paid upon retirement.
Assistance for Purchase of House (HBOCWWB)
Under this scheme, interest free loan is provided to registered construction workers, who have minimum five year’s regular membership, for purchase or construction of their houses. This facility is available once in lifetime.
Atal Beemit Vyakti Kalyan Yojana
The scheme “Atal Beemit Vyakti Kalyan Yojana (ABVKY)” was introduced by the Employees’ State Insurance Corporation (ESIC) on a pilot basis for a period of 2 years w.e.f. 01.07.2018 for providing relief to the Insured Persons (IPs) who have become unemployed.
Atal Pension Yojana
Atal Pension Yojana (APY) is an old age income security scheme for a savings account holder in the age group of 18-40 years, who is not an income tax-payee. It helps to address longevity risks among workers in unorganized sector and encourages the workers to voluntarily save for retirement.
Atma Nirbhar Matsya Palan Yojana
The scheme aims to provide a 45% subsidy with credit linkage for fishery infrastructure to ST individuals, SHGs, and FPOs engaged in aquaculture.
Atma Nirbhar Pashu Palan Yojana
The scheme aims to enhance rural livelihoods, promote sustainable animal husbandry practices, & contribute to self-reliance in livestock sector. Under this scheme, financial assistance is provided to unemployed individuals, SHGs, cooperative societies, etc. for livestock rearing & allied activities.
Atma Nirbhar Plantation Yojana
The scheme aims to promote self-reliance in the agriculture sector through sustainable plantation activities across the state. Under this scheme, support in the form of plantation assistance and allied resources is provided to individual farmers, Self-Help Groups & Farmer Producer Organizations.
Bank Tie-Up Scheme
Through the "Bank Tie-Up Scheme", the Punjab Scheduled Castes Land Development & Finance Corporation (PSCLDFC) arranges loans through banks, and subsidy is provided by PSCLDFC. The permanent residents of Punjab belonging to Scheduled Castes and living Below Poverty Line are eligible.
Bankable Scheme
The scheme aims to provide financial assistance to scheduled caste persons for self-employment opportunities. Under this scheme, loans are provided for business, industry, or service activities, along with a subsidy of 50% of the loan amount or a maximum of ₹50,000/-.
Bihar State Journalist Insurance Scheme
The Bihar State Journalist Insurance Scheme, 2014, is launched by the Information & Public Relations Department, Government of Bihar. It aims to provide financial benefits & facilities under a group mediclaim & personal accident insurance scheme to working media representatives in the state of Bihar
Bima Yojana - Direct Benefit to Artisan
Launched on 15th August 2022, the scheme "Bima Yojana - Direct Benefit to Artisan (BYDBTA)" is a Social Welfare Scheme by the Ministry of Textiles, Government of India.
Car Loan Scheme
The "Car Loan Scheme" aims to assist the employees of the Government of Puducherry & Employees of the Government of Puducherry undertaking for the purchase of a new car for personal use. The applications for this scheme are accepted online only.
Central Assistance For One Time Settlement Of Displaced Families From PoK And Chhamb Under Prime Minister's Development Package
A relief and rehabilitation scheme by the Ministry of Home Affairs provides central assistance to the displaced families from PoK And Chhamb and settled in the state of Jammu & Kashmir. The amount of Central Assistance of Rs. 5,49,692/- per family will be distributed through Direct Benefit Transfer.
Chief Minister’s Health Insurance Scheme - Nagaland
Launched on 16th October 2022, the scheme "Chief Minister Health Insurance Scheme (CMHIS)" is a Public Health Insurance Scheme by the Health and Family Welfare Department, Government of Nagaland. This scheme provides cashless treatment up to ₹20 lakhs for employees and pensioners and ₹5 lakhs.
Chief Minister's Krishi Rinn Yojana
The Government of Arunachal Pradesh has introduced The Chief Minister's Krishi Rinn Yojana (CMKRY) with the aim of providing a zero interest crop loan facility to farmers of the state to enable them easy access to formal credit through banking channels.
Chief Minister's Micro Finance Initiative
The scheme aims to promote access to credit for economic activities undertaken by individual farmers, entrepreneurs, Self-Help Groups (SHGs), and Farmer Producer Organizations (FPOs) in the state of Nagaland.
Chief Minister's Self Employment Scheme
The "Chief Minister's Self Employment Scheme" was launched by the Department of Personnel, and Reforms, Training, Public Grievances, Government of Sikkim. The scheme aims to provide loan to unemployed youth who belong below the poverty line.
Chief Minister’s Startup/innovation Projects/new Industries
The HP CM Startup Scheme aims to turn the educated youth from job seekers to job creators. This scheme will give support to the “Startup” and Innovation Projects in the state and will provide skills to the youth and potential investors to develop entrepreneurship.
Coconut Palm Insurance Scheme
The “Coconut Palm Insurance Scheme (CPIS)” is being implemented by the Coconut Development Board, Ministry of Agriculture and Farmers Welfare, Government of India with the objective of insuring coconut palms against natural calamities, climatic risks, pests, diseases, and other perils.
Compensation in Animal Death
The "Compensation in Animal Death" scheme introduced by the Agriculture, Farmers Welfare and Cooperation Department, Gujarat, provides financial assistance to animal breeders who suffer livestock losses due to natural disasters, diseases, or poisoning.
Comprehensive Educational Loan Scheme - Sikkim
The "Comprehensive Educational Loan Scheme" was launched by the Department of Personnel, and Reforms, Training, Public Grievances, Government of Sikkim. The scheme aims to provide loans free of interest for the duration of one particular course of study with one one-year moratorium period offered...
Contributory Social Security Scheme
The "Contributory Social Security Scheme (CSSS)" intends to provide social security to marginal workers on a contributory basis. The duration of the scheme shall be for a period of 5 years, or 10 years. The amount will be deposited in a bank account opened for the beneficiary.
Credit Based Schemes For SC - Term Loan (TL)
The scheme aims to provide financial assistance for viable income-generating activities of Scheduled Caste beneficiaries. Through this scheme, term loans of up to 95% of the project cost are provided for projects costing up to ₹50,00,000/-.
Credit Card Scheme For Artisans And Weavers Of Handicrafts And Handloom Sector
The Credit Card Scheme for Artisans & Weavers is a loan scheme by the Department of Handicraft & Handloom (Govt. of Jammu & Kashmir) under which adequate and timely assistance from the financial institutions is provided to the Artisans and Weavers.
Credit Enhancement Guarantee Scheme For The Scheduled Castes
The scheme aims to promote entrepreneurship, financial inclusion, and employment generation among Scheduled Castes. Through this scheme, credit enhancement guarantees are provided to banks and financial institutions financing eligible Scheduled Caste entrepreneurs.
Dairy Farming Scheme (HSFDC)
Under this scheme, the Corporation provides loans/benefits to individuals from Below Poverty Line (BPL) families, whose annual family income does not exceed ₹1,80,000/-, in both rural and urban areas for self-employment income generating activities such as dairy farming.
Dalit Bandhu
The Dalit Bandhu Scheme is a welfare program launched by the state government of Telangana in India in Aug'2021. The scheme is aimed at providing financial assistance to families belonging to the Scheduled Caste (SC) community in the state to help them become economically self-reliant.
Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana (DAYALU)
The objective of this scheme is to provide socio-financial security to eligible residents of Haryana. The scheme provides financial assistance in the event of death (natural/accidental) or permanent disability (caused by an accident) of a family member whose annual income is less than ₹1.80 lakh.
Direct Finance Scheme by NSFDC (GSCDC)
Under this scheme, loans are offered at a low interest rate, ranging from 1% to 5%, specifically for self-employment to scheduled caste (SC) individuals.
Direct Lending Scheme
Through the "Direct Lending Scheme", the Punjab Scheduled Castes Land Development & Finance Corporation (PSCLDFC) provides direct loans for the economic upliftment of the members of the Scheduled Castes and Handicapped People in the state of Punjab.
District Central Cooperative Banks and through its Branches: For Consumer Durables T.V., Fridge and Two Wheelers Loan
A loan scheme provided by District Central Cooperative Banks for purchasing consumer durables like T.V., fridges, and two-wheelers. Loan covers 75% of the product cost at an interest rate of 14%.
District Central Cooperative Banks and through its Branches: For Housing, House Construction, Repair Extension Loan
The scheme offers loans up to ₹10,00,000/- for housing, house construction, and repair/extension purposes, at a 12% interest rate to provide financial aid to citizens for housing needs.
District Central Cooperative Banks and through its Branches: For Jewel Loan
The scheme allows eligible individuals to obtain loans by pledging their gold and jewelry. The maximum loan amount is ₹1,00,000/- with an interest rate of 12%, subject to changes as per bank policies.
District Central Cooperative Banks and through its Branches: For Maternity Loan through Self Help Groups
The scheme offers financial aid to pregnant women via Self Help Groups. The loan is capped at ₹2,000/- with an interest rate of 11%, subject to changes.
District Central Cooperative Banks and through its Branches: For Professional Loan to Doctors, Engineers and Self Employed Professional
This scheme provides professional loans to doctors, engineers, and self-employed professionals through District Central Cooperative Banks. The maximum loan amount is ₹10,00,000 at an interest rate of 13% (subject to change).
District Central Cooperative Banks and through its Branches: For Revamped Micro Credit Loan for Women Vendors of Flower, Vegetable, Fruit etc.
The scheme provides revamped micro credit loans through District Central Cooperative Banks to support women vendors selling flowers, vegetables, fruits etc. Loans range from ₹100/- to ₹5,000/- with an interest rate of 11%.
District Central Cooperative Banks and through its Branches: For SSI Unit Loan and Other NFS Activities
This scheme provides financial assistance for SSI unit loans and other Non-Farm Sector (NFS) activities through District Central Cooperative Banks and their branches.
District Central Cooperative Banks and through its Branches: For Women Entrepreneurs
The scheme aims to provide loans of up to ₹5,00,000/- at an interest rate of 12% (subject to change) for women entrepreneurs through District Central Cooperative Banks and its branches.
District Central Cooperative Banks and through its Branches: For Working Women
The scheme provides financial assistance to working women through loans up to ₹20,000/- at a 12% interest rate via District Central Cooperative Banks and their branches.
District Central Cooperative Banks and through its Branches: Small Road Transport Operators Loan (SRTO Loan)
The scheme aims to provide financial support to small-scale road transport operators through loans up to ₹10,00,000/- with 13% rate of interest.
Dr Ambedkar Central Sector Scheme of Interest Subsidy on Educational Loans for Overseas Studies for Other Backward Classes (OBCs) and Economically Backward Classes (EBCs)
The scheme provides interest subsidy to the students belonging to the OBCs and EBCs on the interest payable for the period of the moratorium for the Education Loans for overseas studies to pursue approved courses of studies abroad at Masters, M.Phil. and PhD level.
Dr. P. G. Solanki Scheme for Loan/Assistance to Law Graduates of Scheduled Caste
The scheme was launched in year 1973. Under this scheme, law graduates belonging to the Scheduled Caste who intend to start independent legal practice will receive financial assistance for the purchase of business premises/shops.
Dr. P. G. Solanki Scheme for Loan/Assistance to Medical Graduate Doctors of Scheduled Caste
The scheme was launched in the year 1976 with the objective to provide loans/assistance to the Scheduled Caste category doctors to start their independent profession.
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Frequently Asked Questions
What are banking & finance government schemes?
Banking & Finance schemes are government welfare programmes that provide benefits, subsidies or financial assistance related to banking & finance. India currently has 323 such central and state schemes listed.
How do I apply for a banking & finance scheme?
Open any scheme below to see its eligibility, required documents and step-by-step application process, along with a link to the official government portal where you can apply.
Which banking & finance scheme am I eligible for?
Use the scheme finder and answer a few questions about your profile — it filters these banking & finance schemes (and all others) down to the ones you qualify for.