Still struggling financially even though there are dozens of government schemes available? You’re not alone. Most Indians miss out on ₹10,000+ worth of annual benefits simply because they don’t know these schemes exist—or how to apply.
In this blog, we’ll reveal 7 powerful but lesser-known government schemes in 2025 that you or your family may be eligible for, along with easy steps to claim them today.
1. PM Kisan Yojana – ₹6,000 Annual Income Support
This scheme gives ₹2,000 every four months directly into the bank account of eligible farmers. If your family owns even 1 acre of land, check your eligibility now.
- Who’s Eligible: Small & marginal farmers with land in their name
- How to Apply: Visit pmkisan.gov.in and register using Aadhaar, bank details, and land papers
2. Sukanya Samriddhi Yojana – For Your Daughter’s Future
SSY offers one of the highest interest rates (currently 8.2%) and tax-free returns for girl child savings.
- Who’s Eligible: Girl child under 10 years of age
- How to Apply: Visit post office or your bank; fill SSY form with birth certificate
3. E-Shram Card – ₹2 Lakh Accident Insurance + Future Benefits
Unorganised workers like drivers, maids, delivery agents, or freelancers can now register for social security benefits.
- Who’s Eligible: Anyone aged 16–59 not covered by EPFO/ESIC
- How to Apply: Visit eshram.gov.in and register using Aadhaar OTP
4. Atal Pension Yojana – Pension for Just ₹210/Month
Secure ₹1,000–₹5,000 monthly pension by contributing as little as ₹210/month. Returns are guaranteed by the government.
- Who’s Eligible: Anyone aged 18–40 with a bank account
- How to Apply: Visit your bank and fill APY form
5. Ayushman Bharat (PM-JAY) – ₹5 Lakh Free Hospital Treatment
If you’re not already enrolled, you might still be eligible. Many families remain unregistered despite meeting the criteria.
- Who’s Eligible: Low-income households, ration card holders, laborers
- How to Apply: Visit beneficiary.nha.gov.in and search with Aadhaar or Ration Card
6. National Pension System (NPS) – Save Tax + Build Retirement Fund
Don’t rely only on EPF or PPF. NPS lets you build ₹1 crore+ for retirement and offers an extra ₹50,000 tax deduction under 80CCD(1B).
- Who’s Eligible: Any Indian aged 18–70
- How to Apply: Register at enps.nsdl.com
7. PMEGP – ₹25 Lakh Subsidy to Start a Small Business
Planning to start your own business? This scheme offers up to ₹25 lakh subsidy for eligible manufacturing units.
- Who’s Eligible: Age 18+, at least 8th pass, new entrepreneurs
- How to Apply: Apply online via kviconline.gov.in/pmegp
Final Thoughts: Don’t Let These Benefits Go to Waste
You work hard. You pay taxes. These schemes are your right, not a favor. Even if you can claim just 1–2 of these benefits, it could change your financial life.
Share this blog with your friends, parents, or house help who might be missing out.