Our Government
Comprehensive Portals (All Schemes & Loans)
MyGovernment – Schemes Section
A centralized listing of various welfare schemes across ministries and government departments. Useful for exploring scheme details, eligibility, and benefits.
(India Government)myScheme
A citizen-centric, one-stop platform to search and discover government schemes based on personal eligibility. It provides details and directs users to appropriate application pages.
(myScheme)JanSamarth
A national portal offering access to government-sponsored schemes, including loan options—enables eligibility checks, online applications, and digital approvals from partner banks.
(Jansamarth)
Loan & Credit-Oriented Schemes
Pradhan Mantri Mudra Yojana (PMMY)
Provides collateral-free loans up to ₹20 lakh (categories: Shishu, Kishore, Tarun, Tarun Plus) to non-corporate, non-farm small enterprises. Apply through Udyamimitra or JanSamarth.
(Department of Financial Services, SBI, Mudra, Jansamarth)Stand-Up India Scheme
Offers composite loans between ₹10 lakh and ₹1 crore to SC/ST and women entrepreneurs for greenfield projects. Online support via the portal StandUpMitra; applications can also go through JanSamarth.
(Department of Financial Services, Wikipedia, Jansamarth)PM SVANidhi ( Pradhan Mantri Street Vendor’s AtmaNirbhar Nidhi)
A micro-credit scheme for street vendors adversely affected by COVID-19. Initial loans up to ₹10,000, with higher limits in subsequent cycles, plus interest subsidy and cashback incentives for digital transactions.
(Wikipedia)
Education & Student Financial Support
PM-Vidyalaxmi Scheme & Central Sector Interest Subsidy Scheme (CSIS)
Facilitate collateral-free education loans to meritorious students. PM-Vidyalaxmi offers interest rate concessions; CSIS gives subsidy during the course plus one-year moratorium.
(Education Ministry India)Credit Guarantee Fund Scheme for Education Loans (CGFSEL)
Provides up to 75% guarantee on education loans (up to ₹7.5 lakh) without collateral, to financially weaker students. Operated via NCGTC.
(Education Ministry India)Vidya Lakshmi Portal
A unified digital portal for students to apply for education loans and access information about available schemes.
(Vidya Lakshmi)
Other Notable Schemes (Loan-Adjacent or Welfare)
Pradhan Mantri Fasal Bima Yojana (PMFBY)
An agricultural insurance initiative for farmers covering yield or crop failure. It’s not a loan scheme but provides financial security to agricultural producers.
(Wikipedia)Pradhan Mantri Awas Yojana – Gramin (PMAY-G)
A rural housing welfare scheme offering grants (not loans) to build homes for the rural poor. Extended through 2028-29.
(Wikipedia)Pradhan Mantri Gram Sadak Yojana (PMGSY)
A rural infrastructure scheme focused on connecting unlinked villages through roads. Not loan-related.
(Wikipedia)Prime Minister’s Employment Generation Programme (PMEGP)
Provides margin money subsidy (effectively lowering loan burden) to entrepreneurs under the Khadi & Village Industries Commission (KVIC) to start micro-enterprises. Apply via Udyami.org.in.
(Wikipedia, KVIC Online)
Summary Table
Scheme / Portal Type / Focus Official Website / Portal MyGovernment – Schemes General scheme directory National Portal (MyGovernment) myScheme Personalized scheme discovery myScheme portal JanSamarth Government-sponsored schemes & loans JanSamarth portal PMMY Loans for micro enterprises Udyamimitra / JanSamarth Stand-Up India Loans for SC/ST & women entrepreneurs StandUpMitra / JanSamarth PM SVANidhi Micro-credit for street vendors PM SVANidhi portal PM-Vidyalaxmi & CSIS Education loans & subsidies PM Vidyalaxmi portal / MoE CGFSEL Loan guarantee for students NCGTC portal Vidya Lakshmi Education loan applications Vidya Lakshmi portal PMFBY Crop insurance PMFBY official site PMAY-G Rural housing grants PMAY-G official site PMGSY Rural roads development PMGSY official site PMEGP Subsidy support for micro-enterprise udyami.org.in (PMEGP portal)
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