Pooja is the backbone of her multi-generational household, managing the health, education, and social security needs of her aging parents and young children. This hub tracks the essential central government support systems she relies on to keep her family secure and thriving.
🏥 Keeping the family healthy
Managing chronic conditions and emergencies for elderly parents and kids without draining the household savings.
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना
national · National Health Authority
Who qualifies
Low-income families identified by SECC 2011 data.
What you get
Up to ₹5 lakh per family per year for secondary and tertiary hospital care.
What it actually costs you
Free; requires Aadhaar and family ID card.
Common gotcha
Many private hospitals refuse to honor it; check the empanelled list on the portal first.
36states & territories — open one to see what it offers.
Andaman and Nicobar Islandsअंडमान और निकोबार द्वीप समूह
Living on islands means high costs for goods and specialized healthcare, so these local subsidies and transport concessions are lifelines for caregivers managing family needs.
🚢 Making island life affordable
Inter-Island Transport Subsidy for Patients
state · Directorate of Health Services
Who qualifies
Patients and one accompanying caregiver traveling for medical treatment between islands.
What you get
Subsidized boat/ferry tickets for medical referrals.
What it actually costs you
Medical referral slip from CHC/PHC, ID proof, and application at the port office.
Common gotcha
The subsidy is only applicable if the referral is issued by a government hospital.
Post-Matric Scholarship for ST Students
state · Department of Tribal Welfare
Who qualifies
ST students residing in the islands pursuing post-matric education.
What you get
Monthly maintenance allowance and reimbursement of compulsory non-refundable fees.
What it actually costs you
Caste certificate, income certificate, and bank account linked to Aadhaar.
Common gotcha
Annual income limit is strictly enforced; ensure your income certificate is current.
Old Age and Destitute Pension
state · Department of Social Welfare
Who qualifies
Residents over 60 or destitute individuals with no source of income.
What you get
Monthly pension amount transferred directly to the bank account.
What it actually costs you
Age proof, residency certificate, and verification by the local Tehsildar.
Common gotcha
Requires annual life certificate submission to avoid payment suspension.
Financial Assistance to Fishermen during Lean Season
state · Department of Fisheries
Who qualifies
Registered fishermen families during the restricted fishing months.
What you get
Monthly subsistence allowance during the lean season.
What it actually costs you
Fisherman ID card and proof of registration with the local society.
Common gotcha
Must be registered with the Fisheries Department before the lean season starts.
🏥 Taking care of my family's health
GB Pant Hospital Referral Assistance
state · GB Pant Hospital Administration
Who qualifies
Patients referred from remote islands to the main hospital in Port Blair.
What you get
Priority access to specialized diagnostic services and free essential medicines.
What it actually costs you
Referral slip from the local PHC and patient registration card.
Common gotcha
The hospital is often crowded; arrive early in the morning for registration.
Financial Assistance for Persons with Disabilities
state · Department of Social Welfare
Who qualifies
Residents with a certified disability of 40% or more.
What you get
Monthly financial aid to support caregiving costs.
What it actually costs you
Medical board certificate and disability ID card.
Common gotcha
The disability certificate must be issued by the designated state medical board.
Supplementary Nutrition Program (Anganwadi)
state · Integrated Child Development Services (ICDS)
Who qualifies
Pregnant women, lactating mothers, and children under 6 in the islands.
What you get
Daily nutritious meals and take-home rations.
What it actually costs you
Registration at the local Anganwadi center.
Common gotcha
You must visit the center regularly to keep your name on the active list.
Andhra Pradeshఆంధ్రప్రదేశ్
Andhra Pradesh offers robust support for caregivers through direct benefit transfers and specialized health schemes that bridge the gap for low-income families.
🏥 When family members need medical help
YSR Aarogyasri
వైఎస్ఆర్ ఆరోగ్యశ్రీ
state · Dr. YSR Aarogyasri Health Care Trust
Who qualifies
Families with annual income below ₹5 lakhs and white ration card holders.
What you get
Cashless treatment for over 3,000 medical procedures in empanelled hospitals.
What it actually costs you
Zero cost; requires white ration card and Aarogyasri health card.
Common gotcha
Ensure the hospital is on the current empanelled list before admission.
Students pursuing higher education (ITI, Polytechnic, Degree, PG).
What you get
Full fee reimbursement for eligible students.
What it actually costs you
Requires income certificate and college admission proof.
Common gotcha
The money is credited to the mother's account, not the student's.
Jagananna Vasathi Deevena
state · Department of Social Welfare
Who qualifies
Hostel and mess expense support for students under Vidya Deevena.
What you get
₹10,000 to ₹20,000 annually for boarding and lodging.
What it actually costs you
Same eligibility as Vidya Deevena.
Common gotcha
Must maintain consistent academic performance.
Arunachal Pradeshअरुणाचल प्रदेश
As a caregiver in Arunachal, navigating the unique terrain-based welfare schemes and local indigenous support systems is essential for managing family health and education.
🏥 Keeping the family healthy
Chief Minister's Arogya Arunachal Yojana
मुख्यमंत्री आरोग्य अरुणाचल योजना
state · Department of Health and Family Welfare
Who qualifies
Permanent residents of Arunachal Pradesh holding a valid ration card.
What you get
Cashless health insurance coverage up to ₹5 lakh per family per year.
What it actually costs you
Registration through the portal, requires Aadhaar and Ration card.
Common gotcha
Ensure your name matches exactly on both the Ration card and Aadhaar to avoid rejection at the hospital desk.
Families not covered under Ayushman Bharat or CMAAY.
What you get
Secondary and tertiary care coverage for critical illnesses.
What it actually costs you
Nominal premium, requires residency certificate.
Common gotcha
Often confused with the central scheme; check if your specific hospital is empanelled under the state list.
📚 Supporting the kids' future
Arunachal Pradesh State Stipend Scheme
state · Department of Education
Who qualifies
APST (Arunachal Pradesh Scheduled Tribe) students studying in recognized institutions.
What you get
Monthly stipend for books, stationery, and boarding expenses.
What it actually costs you
Requires ST certificate and bonafide student certificate from the college.
Common gotcha
The stipend is often delayed; keep physical copies of all receipts and bank account details updated.
Dulari Kanya Scheme
state · Department of Women and Child Development
Who qualifies
Girl child born in a government hospital in Arunachal Pradesh.
What you get
A fixed deposit of ₹20,000 maturing when the girl reaches 18 years of age.
What it actually costs you
Birth certificate and hospital discharge summary.
Common gotcha
Must be applied for within the first year of the child's birth.
Arunachal Pradesh Merit Scholarship
state · Department of Education
Who qualifies
Students securing top marks in Class 10 and 12 state board exams.
What you get
One-time cash award and certificate of merit.
What it actually costs you
Application through school principal, requires mark sheets.
Common gotcha
Application windows are very short; check the state education portal regularly after results.
Assamঅসম
Assam provides unique social security nets for caregivers, particularly through specialized health top-ups and targeted welfare boards for women and rural families.
🏥 Keeping the family healthy
Atal Amrit Abhiyan
অটল অমৃত অভিযান
state · Department of Health and Family Welfare, Assam
Who qualifies
Families with annual income below 5 lakhs.
What you get
Cashless treatment for critical illnesses up to 2 lakhs per year.
What it actually costs you
Requires AAA card and Aadhaar; enrollment is done at designated district centers.
Common gotcha
It is a top-up to national schemes; ensure your hospital is empanelled specifically for AAA.
Low-income households with low electricity consumption.
What you get
Reduced electricity tariffs.
What it actually costs you
Requires valid BPL ration card and connection in the applicant's name.
Common gotcha
Subsidy is often applied automatically, but check your bill for 'subsidy' line items.
Kanaklata Mahila Sabalikaran Yojana
কনকলতা মহিলা সবলীকৰণ আঁচনি
state · Department of Panchayat and Rural Development
Who qualifies
Members of registered Women Self Help Groups (SHGs).
What you get
Financial incentive of ₹25,000 per SHG.
What it actually costs you
SHG must be active and have a bank account.
Common gotcha
The money goes to the group account, not individual personal accounts.
Biharबिहार
As a caregiver in Bihar, you rely on state-specific social security pensions and localized health support systems that bridge the gap where central schemes fall short.
👵 Monthly support for my family
Laxmibai Social Security Pension Scheme
लक्ष्मीबाई सामाजिक सुरक्षा पेंशन योजना
state · Department of Social Welfare, Bihar
Who qualifies
Widows living below the poverty line who are not receiving other pensions.
What you get
Monthly pension of ₹400 to ₹500 directly into the bank account.
What it actually costs you
Requires death certificate of husband and income certificate; apply via RTPS counter.
Common gotcha
The bank account must be Aadhaar-seeded, or payments will bounce.
Persons with 40% or more disability as certified by a medical board.
What you get
Monthly financial assistance of ₹400 per month.
What it actually costs you
Disability certificate from the civil surgeon is mandatory.
Common gotcha
Renewal of the disability certificate is often required every few years.
Bihar State Old Age Pension (Vridhjan Pension)
बिहार वृद्धजन पेंशन योजना
state · Department of Social Welfare, Bihar
Who qualifies
Residents over 60 years of age, regardless of caste or religion.
What you get
₹400 per month for those aged 60-79, and ₹500 for those 80+.
What it actually costs you
Age proof (Aadhaar/Voter ID) and residence proof.
Common gotcha
It is often confused with the central Indira Gandhi pension; this is the state-specific top-up/alternative.
Mukhyamantri Kanya Vivah Yojana
मुख्यमंत्री कन्या विवाह योजना
state · Department of Social Welfare, Bihar
Who qualifies
Families with an annual income under ₹60,000 for the marriage of a daughter.
What you get
One-time grant of ₹5,000 for marriage expenses.
What it actually costs you
Marriage registration certificate and bank account details.
Common gotcha
Application must be submitted within 60 days of the marriage.
🏥 Health and wellbeing for my household
Bihar Health Card Scheme
बिहार स्वास्थ्य कार्ड योजना
state · Bihar Swasthya Suraksha Samiti
Who qualifies
Families identified under the Socio-Economic Caste Census (SECC) data.
What you get
Cashless treatment up to ₹5 lakh per year in empanelled hospitals.
What it actually costs you
Needs the RSBY or SECC registration number.
Common gotcha
Many private hospitals in rural Bihar refuse to accept it; stick to district hospitals.
Mukhyamantri Chikitsa Sahayata Kosh
मुख्यमंत्री चिकित्सा सहायता कोष
state · Health Department, Bihar
Who qualifies
Patients suffering from life-threatening diseases requiring expensive surgery.
What you get
Financial aid up to ₹1 lakh for major surgeries.
What it actually costs you
Medical estimate from a government hospital and income certificate.
Common gotcha
This is a discretionary fund; approval can take several weeks.
Mamta Scheme
ममता योजना
state · Department of Health, Bihar
Who qualifies
Pregnant women and new mothers delivering in government hospitals.
What you get
Financial support for transport and nutrition post-delivery.
What it actually costs you
Must be registered with the local ASHA worker.
Common gotcha
Often delayed; keep the ASHA worker informed of your bank details.
Chhattisgarhछत्तीसगढ़
As a caregiver in Chhattisgarh, you have access to unique state-specific health and social security nets that provide extra support for families and vulnerable individuals beyond central schemes.
🏥 When someone in the family gets sick
Dr. Khubchand Baghel Swasthya Sahayata Yojana
डॉ. खूबचंद बघेल स्वास्थ्य सहायता योजना
state · Department of Health and Family Welfare, Chhattisgarh
Who qualifies
All ration card holders in the state.
What you get
Cashless treatment up to ₹5 lakhs for priority families and ₹50,000 for others.
What it actually costs you
Requires a valid ration card and Aadhaar; no fee.
Common gotcha
Often confused with PMJAY; this is a state-specific top-up that covers more families.
state · Urban Administration and Development Department
Who qualifies
Any resident of Chhattisgarh.
What you get
50% to 70% discount on MRP for essential medicines.
What it actually costs you
Just a prescription; no registration required.
Common gotcha
Not every pharmacy is a Dhanwantari store; look for the specific government branding.
Chief Minister's Special Health Assistance Scheme
मुख्यमंत्री विशेष स्वास्थ्य सहायता योजना
state · Department of Health and Family Welfare
Who qualifies
Families needing treatment for rare or high-cost diseases not covered by standard schemes.
What you get
Financial assistance up to ₹20 lakhs for critical surgeries.
What it actually costs you
Medical board recommendation and income certificate.
Common gotcha
The approval process is strict and requires a medical board review.
👵 Support for my children and elders
Kaushalya Matritva Yojana
कौशल्या मातृत्व योजना
state · Department of Women and Child Development
Who qualifies
Mothers giving birth to a second girl child.
What you get
One-time financial assistance of ₹5,000.
What it actually costs you
Birth certificate and Aadhaar linkage.
Common gotcha
Only applicable for the second girl child, not the first.
Chief Minister Kanya Vivah Yojana
मुख्यमंत्री कन्या विवाह योजना
state · Department of Women and Child Development
Who qualifies
Daughters from BPL families aged 18+.
What you get
Financial aid of ₹50,000 for wedding expenses and household items.
What it actually costs you
Income certificate and age proof.
Common gotcha
Applications must be submitted well in advance of the wedding date.
Social Security Pension (State Share)
सामाजिक सुरक्षा पेंशन
state · Social Welfare Department
Who qualifies
Widows, elderly, and disabled individuals meeting state criteria.
What you get
Monthly pension amount (varies by category).
What it actually costs you
Residency proof and bank account linkage.
Common gotcha
Direct Benefit Transfer (DBT) failures are common if Aadhaar is not seeded.
Chandigarhचंडीगढ़
As a caregiver in a Union Territory, Pooja benefits from a highly centralized, urban-focused welfare system that prioritizes health access and senior support within the city's unique administrative structure.
🏥 Keeping my family healthy and safe
Senior Citizen Identity Card
वरिष्ठ नागरिक पहचान पत्र
state · Chandigarh Social Welfare Department
Who qualifies
Residents of Chandigarh aged 60 and above.
What you get
Priority access to government hospital counters and eligibility for various local senior welfare programs.
What it actually costs you
Free; requires proof of age and residence, processed through the local SDM office.
Common gotcha
It is not a medical insurance card, just an identity proof for administrative priority.
GMCH Subsidized Care
जीएमसीएच रियायती उपचार
state · Government Medical College and Hospital, Chandigarh
Who qualifies
Residents with a Chandigarh domicile certificate.
What you get
Reduced rates for diagnostic tests and outpatient consultations compared to private clinics.
What it actually costs you
Requires a valid Chandigarh residence proof and a referral slip from a local dispensary.
Common gotcha
The queues are very long; always carry your original residence proof.
Old Age Pension Scheme
वृद्धावस्था पेंशन योजना
state · Department of Social Welfare, Chandigarh
Who qualifies
Senior citizens with annual family income below a specific threshold.
What you get
Monthly financial assistance transferred directly to the bank account.
What it actually costs you
Requires income certificate and Aadhaar linkage; annual verification is mandatory.
Common gotcha
The income limit is strictly enforced and verified against property records.
Senior Citizen Day Care Centers
वरिष्ठ नागरिक डे-केयर केंद्र
state · Chandigarh Administration
Who qualifies
Seniors residing in specific municipal sectors.
What you get
Safe space for seniors to socialize and engage in recreational activities during the day.
What it actually costs you
Nominal annual membership fee; requires local address proof.
Common gotcha
These centers have limited capacity and operate on a first-come-first-served basis.
👩👧👦 Support for my household
Anganwadi Supplementary Nutrition
आंगनवाड़ी पूरक पोषण
state · Women and Child Development Department, Chandigarh
Who qualifies
Pregnant women, lactating mothers, and children under 6 in low-income households.
What you get
Nutritional food packets and health monitoring services.
What it actually costs you
Registration at the local Anganwadi center with a ration card.
Common gotcha
You must visit the center physically to collect the rations; they are not delivered home.
Financial Assistance to Widows
विधवा पेंशन योजना
state · Social Welfare Department, Chandigarh
Who qualifies
Widows residing in Chandigarh with limited financial means.
What you get
Fixed monthly pension to support basic living expenses.
What it actually costs you
Death certificate of spouse and income certificate; application via Sampark centers.
Common gotcha
Remarriage automatically disqualifies the beneficiary.
Sampark Center Services
संपर्क केंद्र
state · Chandigarh Administration
Who qualifies
All Chandigarh residents.
What you get
Single-window clearance for electricity bills, water bills, and government certificates.
What it actually costs you
Standard service fee per transaction; requires ID proof.
Common gotcha
Digital payments are preferred; check the website for operational hours as they vary by location.
Delhiदिल्ली
As a caregiver in Delhi, you benefit from unique state-funded health top-ups and free public transit schemes that significantly lower the cost of managing a household.
🏥 Keeping the family healthy
Delhi Arogya Kosh
दिल्ली आरोग्य कोष
state · Delhi Health Department
Who qualifies
Delhi residents referred by government hospitals for tests/surgeries not available in-house.
What you get
Free diagnostic tests and surgeries at empanelled private hospitals.
What it actually costs you
Requires a referral slip from a Delhi government hospital doctor.
Common gotcha
Only works if the specific test is unavailable at the government facility you visited.
Any accident victim brought to a hospital in Delhi, regardless of residency.
What you get
Free emergency medical treatment including trauma care.
What it actually costs you
Zero cost; the government covers the bill.
Common gotcha
People often fear police involvement, but this scheme is designed to be bystander-friendly.
Delhi Financial Assistance for Widows/Destitute
state · Department of Women and Child Development
Who qualifies
Widows or destitute women residing in Delhi with low income.
What you get
Monthly pension of ₹2,500.
What it actually costs you
Aadhaar, income certificate, and residence proof required.
Common gotcha
The annual income certificate must be updated regularly to avoid payment suspension.
🚌 Making ends meet in the city
Pink Ticket Scheme
पिंक टिकट योजना
state · Delhi Transport Corporation
Who qualifies
All women travelling in Delhi government buses.
What you get
Free travel in all DTC and cluster buses within Delhi.
What it actually costs you
Just show the pink ticket issued by the conductor.
Common gotcha
Does not apply to AC buses or metro services.
Delhi Electricity Subsidy
state · Delhi Electricity Regulatory Commission
Who qualifies
Households consuming up to 200 units per month.
What you get
Zero electricity bill for consumption up to 200 units.
What it actually costs you
Must opt-in via SMS or portal annually.
Common gotcha
If you cross 200 units, you pay for the full slab, not just the excess.
Delhi Building and Other Construction Workers Welfare Board
state · Labour Department, GNCTD
Who qualifies
Registered construction workers in Delhi.
What you get
Financial assistance for children's education, maternity benefits, and funeral expenses.
What it actually costs you
Registration fee of ₹25 and annual renewal.
Common gotcha
Requires 90 days of work proof in the last year.
Dadra and Nagar Haveli and Daman and Diuદાદરા અને નગર હવેલી અને દમણ અને દીવ
As a caregiver in this Union Territory, you have access to specific local welfare boards and educational support tailored to the unique demographic needs of the Daman and Diu region.
📚 Helping the kids study
Post-Matric Scholarship for ST/SC/OBC
પોસ્ટ-મેટ્રિક શિષ્યવૃત્તિ
state · Department of Education, DNH & DD
Who qualifies
Students belonging to SC/ST/OBC categories residing in the UT pursuing post-matric courses.
What you get
Monthly maintenance allowance plus reimbursement of mandatory non-refundable fees.
What it actually costs you
Requires caste certificate, income certificate, and Aadhaar; usually processed via the national portal.
Common gotcha
The income limit is strictly verified; ensure your annual family income certificate is current.
Students securing top ranks in Class 10 and 12 board exams from schools within the UT.
What you get
One-time cash incentive ranging from ₹5,000 to ₹15,000 based on percentage.
What it actually costs you
Application through school principal; requires mark sheet and bank account details.
Common gotcha
Often missed because it is school-led; ask your child's teacher if they have submitted the nomination.
Free Textbook Scheme
state · Department of Education
Who qualifies
All students enrolled in government and government-aided schools up to Class 8.
What you get
Complete set of textbooks at the start of the academic year at no cost.
What it actually costs you
Zero cost; provided directly through the school administration.
Common gotcha
Distribution can be delayed; check with the school office in the first week of June.
UT Mid-Day Meal Supplement
state · Department of Education
Who qualifies
Students in government primary and upper primary schools.
What you get
Nutritious hot cooked meal provided daily during school hours.
What it actually costs you
No cost; mandatory for all government school students.
Common gotcha
Quality varies by school; parents are encouraged to form monitoring committees.
🏥 When the family needs care
Financial Assistance for Persons with Disabilities
state · Department of Social Welfare
Who qualifies
Residents with a permanent disability certificate of 40% or more.
What you get
Monthly pension amount transferred directly to the bank account.
What it actually costs you
Requires medical board certificate and residency proof.
Common gotcha
The disability certificate must be renewed if it has an expiry date.
Financial Assistance to Widows
state · Department of Social Welfare
Who qualifies
Widows residing in the UT who meet the income criteria.
What you get
Monthly subsistence allowance.
What it actually costs you
Requires death certificate of spouse and income certificate.
Common gotcha
Application must be filed within a specific timeframe after the spouse's death.
Free Diagnostic Services at Government Hospitals
state · Department of Health
Who qualifies
All residents visiting government health centers and hospitals in Daman/Diu/Silvassa.
What you get
Free basic blood tests, X-rays, and essential medicines.
What it actually costs you
Requires a valid government ID (Aadhaar or Voter ID).
Common gotcha
Some specialized tests may still require a referral from the medical officer.
Goaगोंय
Goa offers a unique, robust social security net for caregivers, particularly through direct cash transfer schemes for the elderly and disabled that are among the most accessible in India.
💰 Monthly help for my family members
Dayanand Social Security Scheme (DSSS)
दयानंद सामाजिक सुरक्षा योजना
state · Directorate of Social Welfare
Who qualifies
Senior citizens, widows, and people with disabilities residing in Goa for at least 15 years.
What you get
Monthly pension ranging from ₹2,000 to ₹3,500 depending on the category.
What it actually costs you
Income certificate, residence proof, and Aadhaar; processed via Mamlatdar office.
Common gotcha
The 15-year residency proof is strictly verified; keep your electricity bills or ration card handy.
Gujarat offers robust state-level health and social security top-ups that provide a vital safety net for caregivers managing elderly or disabled family members.
🏥 When someone in the family needs medical care
Mukhyamantri Amrutam (MA) Vatsalya Yojana
મુખ્યમંત્રી અમૃતમ વાત્સલ્ય યોજના
state · Health and Family Welfare Department
Who qualifies
Families with annual income up to ₹4 lakh.
What you get
Cashless medical treatment up to ₹5 lakh per family per year for serious illnesses.
What it actually costs you
Income certificate, ration card, and Aadhaar; zero application fee.
Common gotcha
Often confused with PMJAY, but this covers a higher income bracket; they work together as a seamless bundle.
Must be renewed every year to prove the beneficiary is still alive.
Saraswati Sadhana Yojana
સરસ્વતી સાધના યોજના
state · Gujarat State Tribal Development Department
Who qualifies
SC/ST/OBC girls in rural areas attending secondary school.
What you get
Free bicycle to commute to school.
What it actually costs you
School bonafide certificate and caste certificate.
Common gotcha
Only available for students living more than 3km from their school.
Himachal Pradeshहिमाचल प्रदेश
Himachal Pradesh provides robust social security nets for caregivers, particularly through pension schemes for the elderly and widowed, and targeted health support for those living in remote, hilly terrain.
👵 Looking after my elders and family
Himachal Pradesh Old Age Pension Scheme
वृद्धावस्था पेंशन योजना
state · Department of Social Justice and Empowerment
Who qualifies
Residents aged 60+ with annual family income below ₹35,000.
What you get
Monthly pension ranging from ₹1,500 to ₹1,700 depending on age.
What it actually costs you
Income certificate, Aadhaar, and bank passbook; takes 30-60 days for approval.
Common gotcha
The income certificate must be updated every year to avoid payment suspension.
Poor patients requiring expensive surgery or treatment not covered by other insurance.
What you get
One-time financial grant for critical medical procedures.
What it actually costs you
Hospital estimate letter and income certificate; requires application to the local DC office.
Common gotcha
It is a discretionary fund, so approval time varies significantly.
Haryanaहरियाणा
Haryana offers robust social security nets for caregivers and vulnerable family members, particularly through targeted pension schemes and state-specific health support.
👵 Monthly help for my elders and dependents
Old Age Samman Allowance
वृद्धावस्था सम्मान भत्ता
state · Department of Social Justice and Empowerment
Who qualifies
Residents aged 60+ with annual income below ₹2 lakh.
What you get
Monthly pension of ₹3,000.
What it actually costs you
Aadhaar, income certificate, and bank account; processed via Saral portal.
Common gotcha
Income verification is strictly cross-checked with Parivar Pehchan Patra (PPP) data.
Free diagnostic tests and medicines at government facilities.
What it actually costs you
Just your OPD card/registration.
Common gotcha
Only valid in state-run hospitals, not private ones.
Financial Assistance for Cancer Patients
state · Department of Health
Who qualifies
Stage 3 or 4 cancer patients from low-income families.
What you get
One-time grant of ₹25,000 for treatment support.
What it actually costs you
Medical oncology report and BPL/income certificate.
Common gotcha
Requires verification by the District Medical Officer.
Jharkhandझारखंड
Jharkhand offers specific social security nets for women caregivers and vulnerable families that provide direct cash transfers and essential food security beyond national mandates.
💰 Money to keep the family running
Savitribai Phule Kishori Samriddhi Yojana
सावित्रीबाई फुले किशोरी समृद्धि योजना
state · Department of Women, Child Development and Social Security
Who qualifies
Girl students in classes 8th to 12th in government schools.
What you get
Financial assistance ranging from ₹2,500 to ₹20,000 at different educational milestones.
What it actually costs you
School enrollment records and bank account linked to Aadhaar.
Common gotcha
The benefit is staggered; ensure the school updates the portal annually to avoid missing the next installment.
Families below the poverty line (BPL) for the marriage of their daughter aged 18+.
What you get
One-time financial assistance of ₹30,000.
What it actually costs you
Marriage registration certificate and BPL card.
Common gotcha
Applications must be submitted at least 30 days before the wedding date.
🏥 When someone in the family gets sick
Jharkhand State Health Insurance Scheme
झारखंड राज्य स्वास्थ्य बीमा योजना
state · Jharkhand State Aarogya Society
Who qualifies
Families already covered under Ayushman Bharat who need additional coverage.
What you get
Additional top-up coverage for specialized treatments not fully covered by the national scheme.
What it actually costs you
Ayushman card and verification at a designated state hospital.
Common gotcha
This is a top-up; you must present your primary Ayushman card first.
Mukhyamantri Gambhir Bimari Upchar Yojana
मुख्यमंत्री गंभीर बीमारी उपचार योजना
state · Department of Health, Medical Education and Family Welfare
Who qualifies
Patients from low-income families suffering from specified critical illnesses.
What you get
Financial aid up to ₹5 lakh for treatment of serious diseases.
What it actually costs you
Medical board recommendation and income certificate.
Common gotcha
Requires a referral from a government medical college or district hospital.
Jammu and Kashmirجموں و کشمیر
As a caregiver in J&K, you navigate unique social security top-ups and specific welfare boards designed to support families in the challenging terrain of the Himalayas.
🏥 When family health is a struggle
SEHAT Health Insurance Scheme
صحت اسکیم
state · State Health Agency J&K
Who qualifies
All residents of J&K who are not covered under the national PM-JAY scheme.
What you get
Cashless health cover up to ₹5 lakh per family per year at empanelled hospitals.
What it actually costs you
Free; requires Golden Card and Aadhaar; processing is instant at hospital help desks.
Common gotcha
Many assume it's the same as the national card, but you must specifically register for the SEHAT-branded Golden Card.
Girls from low-income families registered under Antyodaya Anna Yojana or PHH categories.
What you get
One-time financial assistance of ₹50,000 for marriage expenses.
What it actually costs you
Application through local Social Welfare office; requires income certificate and marriage registration.
Common gotcha
The application must be submitted at least 30 days before the wedding date to be processed.
👵 Support for my aging parents and household
Integrated Social Security Scheme (ISSS)
انٹیگریٹڈ سوشل سیکیورٹی اسکیم
state · Department of Social Welfare
Who qualifies
Destitute seniors, widows, and persons with disabilities who are J&K residents.
What you get
Monthly pension ranging from ₹1,000 to ₹2,000 depending on the category.
What it actually costs you
Requires residency proof and bank account; annual life certificate submission is mandatory.
Common gotcha
Direct Benefit Transfer (DBT) failures often happen if the bank account is not linked to Aadhaar.
Ladli Beti Scheme
لاڈلی بیٹی اسکیم
state · Social Welfare Department
Who qualifies
Girl children born in specific districts of J&K to families with low income.
What you get
Monthly contribution of ₹1,000 by the government into a bank account until the girl turns 14, maturing at 21.
What it actually costs you
Registration within one year of birth; requires birth certificate and income proof.
Common gotcha
If you miss the one-year registration window, you lose the eligibility for the entire scheme.
Widow Pension Scheme (State)
بیوہ پنشن اسکیم
state · Social Welfare Department
Who qualifies
Widows residing in J&K with no other source of income.
What you get
Monthly financial assistance to support basic household needs.
What it actually costs you
Death certificate of husband and income affidavit; renewal every year.
Common gotcha
Often confused with the national Indira Gandhi Widow Pension; this is a state-specific top-up/independent scheme.
Karnatakaಕರ್ನಾಟಕ
Karnataka offers robust social security nets for caregivers, particularly through pension top-ups and subsidized transport, making it easier to manage household care duties.
💰 Money for household expenses and care
Gruha Lakshmi Scheme
ಗೃಹ ಲಕ್ಷ್ಮಿ ಯೋಜನೆ
state · Department of Women and Child Development
Who qualifies
Female head of the family holding an Antyodaya, BPL, or APL ration card.
What you get
Direct Benefit Transfer of ₹2,000 per month to the bank account.
What it actually costs you
Free; requires Aadhaar-linked bank account and ration card.
Common gotcha
The bank account must be e-KYC compliant, or the payment will bounce.
Application through Nada Kacheri with income and age proof.
Common gotcha
Often delayed if the income certificate is older than 3 years.
Manaswini Scheme
ಮನಸ್ವಿನಿ ಯೋಜನೆ
state · Department of Women and Child Development
Who qualifies
Unmarried women, widows, or divorced women aged 18-64 living below the poverty line.
What you get
Monthly financial assistance of ₹1,000.
What it actually costs you
Requires death certificate of spouse or court decree for divorce.
Common gotcha
Documentation for divorcees is frequently rejected if not notarized correctly.
🚌 Getting around the city for care duties
Shakti Scheme
ಶಕ್ತಿ ಯೋಜನೆ
state · Karnataka State Road Transport Corporation
Who qualifies
All women domiciled in Karnataka.
What you get
Free travel in non-luxury government buses across the state.
What it actually costs you
Zero; just show your Aadhaar card or ID proof to the conductor.
Common gotcha
Does not apply to premium services like Airavat or Vayu Vajra.
Vidya Vahini Bus Pass
ವಿದ್ಯಾ ವಾಹಿನಿ
state · BMTC
Who qualifies
Students traveling to school/college.
What you get
Subsidized monthly bus passes for students.
What it actually costs you
Small processing fee; school ID required.
Common gotcha
Passes must be renewed every semester, leading to long queues at counters.
🏥 When someone in the family is unwell
Vajpayee Arogyashree
ವಾಜಪೇಯಿ ಆರೋಗ್ಯಶ್ರೀ
state · Suvarna Arogya Suraksha Trust
Who qualifies
BPL families requiring tertiary care for specific diseases.
What you get
Cashless treatment for major surgeries in empanelled hospitals.
What it actually costs you
Referral from a government hospital is mandatory.
Common gotcha
Does not cover routine outpatient consultations.
Indira Canteen
ಇಂದಿರಾ ಕ್ಯಾಂಟೀನ್
municipal · Bruhat Bengaluru Mahanagara Palike
Who qualifies
General public, especially daily wage workers and caregivers.
What you get
Breakfast for ₹5 and lunch/dinner for ₹10.
What it actually costs you
Cash payment at the counter.
Common gotcha
Food often runs out by 1:30 PM for lunch.
Keralaകേരളം
Kerala offers a robust social security net for caregivers, providing direct financial support for the elderly and disabled that is often more accessible than national counterparts.
👵 Monthly help for the people I care for
Kerala Old Age Pension
വാർദ്ധക്യകാല പെൻഷൻ
state · Social Security Mission
Who qualifies
Citizens over 60 years with annual family income below ₹1 lakh.
What you get
Monthly pension of ₹1,600.
What it actually costs you
Aadhaar, bank passbook, and income certificate; zero application fee.
Common gotcha
The pension is often delayed by a few months; keep checking the portal status.
As a caregiver in the high-altitude, harsh climate of Ladakh, Pooja relies on specialized state support for remote healthcare access, winter-specific fuel subsidies, and support for the unique challenges of mountain living.
🏥 Keeping my family healthy in the mountains
Ladakh Medical Reimbursement Scheme
ལ་དྭགས་སྨན་བཅོས་སླར་གསོ་ལས་རིམ།
state · Department of Health and Medical Education, Ladakh
Who qualifies
Residents of Ladakh requiring specialized treatment outside the UT due to lack of facilities.
What you get
Reimbursement of travel and medical expenses for patients and one attendant.
What it actually costs you
Requires medical referral from a government hospital and original bills.
Common gotcha
The reimbursement process is slow; keep copies of every single receipt.
Ladakh Winter Fuel Subsidy
state · UT Administration of Ladakh
Who qualifies
All registered households in Ladakh facing extreme winter temperatures.
What you get
Subsidized rates for heating oil and kerosene during the peak winter months.
What it actually costs you
Must be a resident with a valid Ladakh domicile certificate.
Common gotcha
Distribution is often managed through local village councils (Panchayats).
Ladakh Mobile Medical Units
state · Directorate of Health Services, Ladakh
Who qualifies
Residents living in remote, high-altitude villages with no permanent clinic.
What you get
Periodic health check-ups, basic medicine, and emergency stabilization at your doorstep.
What it actually costs you
Free of cost; requires tracking the unit's village visit schedule.
Common gotcha
Service frequency is heavily dependent on weather and road conditions.
❄️ Support for our daily needs
Ladakh Pashmina Development Scheme
state · Department of Industries and Commerce, Ladakh
Who qualifies
Families involved in Pashmina goat rearing or traditional weaving.
What you get
Financial assistance for fodder, shelter improvement, and marketing of wool products.
What it actually costs you
Registration with the local Pashmina Cooperative.
Common gotcha
Quality certification is mandatory to receive the higher price support.
Ladakh UT Scholarship for Students
state · Department of Education, Ladakh
Who qualifies
Students from Ladakh pursuing higher education within or outside the UT.
What you get
Annual financial grant for tuition and hostel fees.
What it actually costs you
Requires income certificate and domicile proof.
Common gotcha
Application windows are very short; check the portal frequently in August.
Ladakh Solar Home Lighting Subsidy
state · Ladakh Renewable Energy Development Agency (LREDA)
Who qualifies
Households in areas with limited or unreliable grid electricity.
What you get
Heavy subsidy on solar panels, batteries, and LED lighting kits.
What it actually costs you
Small beneficiary contribution required; installation by LREDA-empanelled vendors.
Common gotcha
Maintenance of batteries in extreme cold is the owner's responsibility.
Lakshadweepലക്ഷദ്വീപ്
As a caregiver in the islands, Pooja relies on specialized maritime transport subsidies and local health assistance that account for the unique challenges of living in a remote coral archipelago.
🏥 Looking after my family's health
Medical Reimbursement for Treatment in Mainland
മെഡിക്കൽ റീഇംബേഴ്സ്മെന്റ്
state · Department of Health Services, Lakshadweep
Who qualifies
Residents referred by local medical boards for treatment unavailable on the islands.
What you get
Full reimbursement of travel costs for patient and one attendant, plus hospital expenses.
What it actually costs you
Requires formal referral letter from Kavaratti/Agatti hospital, medical bills, and bank account details.
Common gotcha
Reimbursement is only processed after the treatment is completed and original bills are submitted.
Lakshadweep Disability Pension Scheme
ഭിന്നശേഷിക്കാർക്കുള്ള പെൻഷൻ
state · Department of Social Welfare
Who qualifies
Persons with 40% or more disability as certified by a medical board.
What you get
Monthly financial assistance of ₹2,000 to support caregiving costs.
What it actually costs you
Disability certificate, Aadhaar, and residence proof.
Common gotcha
Must be renewed annually with a life certificate.
Destitute Allowance
അഗതികൾക്കുള്ള ധനസഹായം
state · Department of Social Welfare
Who qualifies
Individuals with no source of income and no family support.
What you get
Monthly stipend to cover basic sustenance.
What it actually costs you
Income certificate from the local Tehsildar.
Common gotcha
Strict income verification; any family income above the threshold disqualifies the applicant.
🏝️ Managing life on the islands
Inter-Island Ship Travel Subsidy
കപ്പൽ യാത്രാ സബ്സിഡി
state · Lakshadweep Administration
Who qualifies
Permanent residents of Lakshadweep traveling between islands for medical or personal reasons.
What you get
Subsidized ticket rates for government-operated vessels.
What it actually costs you
Residence certificate or Islander ID card.
Common gotcha
Tickets are often limited; booking must be done well in advance at the port office.
Fisheries Welfare Scheme for Families
മത്സ്യത്തൊഴിലാളി ക്ഷേമ പദ്ധതി
state · Department of Fisheries
Who qualifies
Families of registered traditional fishermen.
What you get
Financial assistance for children's education and emergency medical support.
What it actually costs you
Fisherman ID card and family registration documents.
Common gotcha
Only applies to those registered in the official fisheries database.
Lakshadweep Housing Assistance
ഭവന നിർമ്മാണ സഹായം
state · Department of Rural Development
Who qualifies
Low-income families living in kucha houses or needing repairs.
What you get
Grant for house construction or major renovation.
What it actually costs you
Land ownership documents and income certificate.
Common gotcha
Funds are released in installments based on construction progress.
Maharashtraमहाराष्ट्र
Maharashtra offers robust social safety nets for caregivers, particularly through pension top-ups and specialized health insurance schemes for low-income families.
💰 Money to keep the household running
Sanjay Gandhi Niradhar Anudan Yojana
संजय गांधी निराधार अनुदान योजना
state · Department of Social Justice and Special Assistance
Who qualifies
Destitute persons, widows, and orphans with annual family income below ₹21,000.
What you get
Monthly pension of ₹1,000 to ₹1,200.
What it actually costs you
Income certificate, death certificate of spouse, and residence proof; requires Tahsildar approval.
Common gotcha
The income limit is very low and strictly audited; many get rejected for minor discrepancies.
state · Maharashtra State Road Transport Corporation
Who qualifies
Girl students studying in government schools.
What you get
Free bus travel pass for commuting to school.
What it actually costs you
School ID and residence proof.
Common gotcha
Only valid on MSRTC buses, not private or municipal city buses.
Meghalaya
Meghalaya offers unique community-led welfare and health support systems designed for the rugged terrain and matrilineal social structure of the Khasi, Jaintia, and Garo hills.
🏥 Keeping my family healthy and safe
Megha Health Insurance Scheme (MHIS)
Megha Health Insurance Scheme
state · Department of Health and Family Welfare
Who qualifies
All residents of Meghalaya except state and central government employees.
What you get
Cashless health insurance coverage up to ₹5 lakh per family per year.
What it actually costs you
Registration at designated kiosks; requires Aadhaar and family ration card.
Common gotcha
You must ensure your name is correctly listed in the household survey list to claim the card.
Youth and small business owners in tourism and agriculture.
What you get
Up to 75% subsidy on project costs for tourism/agri-infrastructure.
What it actually costs you
Detailed project report and proof of land ownership or lease.
Common gotcha
Highly competitive; requires a clear vision for sustainable tourism.
Meghalaya State Piggery Mission
state · Animal Husbandry and Veterinary Department
Who qualifies
Farmers and households engaged in pig rearing.
What you get
Interest-free loans and subsidies for breeding stock.
What it actually costs you
Registration at the local veterinary office.
Common gotcha
Requires strict adherence to vaccination schedules provided by the department.
Manipurমণিপুর
As a caregiver in Manipur, navigating the unique hill-valley administrative landscape and accessing targeted welfare for women and vulnerable families is essential to managing household stability.
👩👧 Support for my family and women's welfare
Chief Minister-gi Hakshelgi Tengbang (CMHT)
সিএম-গী হাকশেলগী তেংবাং
state · State Health Agency Manipur
Who qualifies
Low-income families identified under the state socio-economic survey.
What you get
Cashless health cover up to ₹2 lakhs per family per year for secondary and tertiary care.
What it actually costs you
Free registration; requires CMHT card and Aadhaar.
Common gotcha
Often confused with Ayushman Bharat; this is a state-specific top-up that covers families not included in the national list.
Manipur Society for Skill Development (MSSD) Training
state · Manipur Society for Skill Development
Who qualifies
Unemployed youth and caregivers looking for vocational training.
What you get
Free training in tailoring, hospitality, or IT with placement support.
What it actually costs you
Aadhaar and basic education certificates.
Common gotcha
Training centers are mostly in Imphal; rural residents may need to travel.
Madhya Pradeshमध्य प्रदेश
As a caregiver in Madhya Pradesh, you have access to specific state-led social security nets and women-centric financial assistance that provide a critical buffer for family stability.
💰 Money for the household
Mukhyamantri Ladli Behna Yojana
मुख्यमंत्री लाड़ली बहना योजना
state · Department of Women and Child Development
Who qualifies
Married women aged 21-60 who are residents of MP and meet income criteria.
What you get
Monthly direct benefit transfer of ₹1,250 to the bank account.
What it actually costs you
Free; requires Samagra ID, Aadhaar, and bank account linked with DBT.
Common gotcha
The bank account must be Aadhaar-seeded and have DBT enabled, or the money will bounce.
state · Public Health and Family Welfare Department
Who qualifies
BPL families requiring treatment for serious illnesses not covered by other schemes.
What you get
Financial aid up to ₹2,00,000 for specified life-threatening surgeries/treatments.
What it actually costs you
Medical certificate from a government hospital and BPL card.
Common gotcha
Treatment must be done in designated empanelled hospitals.
Social Security Disability Pension
सामाजिक सुरक्षा दिव्यांग पेंशन
state · Social Justice Department
Who qualifies
Persons with 40% or more disability as per UDID card.
What you get
Monthly pension of ₹600 (subject to periodic state revisions).
What it actually costs you
Medical board certificate and residency proof.
Common gotcha
The pension amount is often delayed if the annual verification is not done.
Anganwadi Supplementary Nutrition Program
आंगनवाड़ी पूरक पोषण आहार
state · Women and Child Development Department
Who qualifies
Pregnant women, lactating mothers, and children under 6.
What you get
Take-home rations and hot cooked meals at local Anganwadi centers.
What it actually costs you
Registration with the local Anganwadi worker.
Common gotcha
Quality varies by center; you must visit the center regularly to stay on the list.
Mizoram
Mizoram offers unique, community-centric support for caregivers through state-specific health top-ups and welfare boards tailored to the Mizo social structure.
🏥 Keeping my family healthy
Mizoram State Health Care Scheme (MSHCS)
Mizoram State Health Care Scheme
state · Department of Health and Family Welfare
Who qualifies
Mizo residents not covered by other central government health schemes.
What you get
Cashless treatment up to ₹2 lakhs per family per year for secondary and tertiary care.
What it actually costs you
Annual premium payment and registration at designated district enrollment centers.
Common gotcha
You must renew your smart card every year before the deadline to avoid coverage gaps.
Cancer patients residing in Mizoram with low income.
What you get
One-time financial aid for chemotherapy and diagnostic tests.
What it actually costs you
Medical reports and income certificate from the local Village Council.
Common gotcha
Funds are limited; apply as soon as the diagnosis is confirmed.
State Disability Pension
state · Social Welfare and Tribal Affairs Department
Who qualifies
Persons with 40% or more disability as certified by a medical board.
What you get
Monthly pension amount provided by the state government.
What it actually costs you
UDID card and medical board certificate.
Common gotcha
The state pension amount often requires a separate application even if you have a central UDID card.
🏡 Support for my home and village
State Widow Pension Scheme
state · Social Welfare and Tribal Affairs Department
Who qualifies
Widows residing in Mizoram who are not receiving other pension benefits.
What you get
Small monthly financial assistance to support household expenses.
What it actually costs you
Death certificate of husband and residency proof.
Common gotcha
Verification through the local Village Council is mandatory for eligibility.
Mizoram Handloom and Handicraft Subsidy
state · Department of Commerce and Industries
Who qualifies
Local artisans and weavers producing traditional Mizo textiles.
What you get
Subsidized raw materials and marketing assistance for products.
What it actually costs you
Registration with the state handloom board.
Common gotcha
You must prove you are actively weaving to receive the material subsidy.
Mizoram Agriculture Input Subsidy
state · Department of Agriculture
Who qualifies
Small and marginal farmers in Mizoram.
What you get
Subsidized seeds, fertilizers, and tools for Jhum or terrace cultivation.
What it actually costs you
Land holding certificate or Village Council recommendation.
Common gotcha
Distribution is seasonal; check with your local Agriculture Extension Officer.
Nagaland
Nagaland provides unique community-based support systems and specific tribal welfare grants that are essential for caregivers managing household health and education in the hills.
🏥 When family members need medical care
Chief Minister's Health Insurance Scheme (CMHIS)
ಮುಖ್ಯಮಂತ್ರಿಯವರ ಆರೋಗ್ಯ ವಿಮಾ ಯೋಜನೆ
state · Department of Health and Family Welfare
Who qualifies
All indigenous inhabitants of Nagaland holding a valid Indigenous Inhabitant Certificate.
What you get
Cashless treatment up to ₹5 lakhs per family per year for secondary and tertiary care.
What it actually costs you
Requires registration via the portal and e-KYC; free for beneficiaries.
Common gotcha
Ensure your Indigenous Inhabitant Certificate is updated, as old versions often cause delays in portal verification.
Persons with 40% or more disability as certified by a medical board.
What you get
Monthly financial assistance to support caregiving costs for the disabled family member.
What it actually costs you
Requires a UDID card and a medical certificate from the district hospital.
Common gotcha
The pension is often disbursed in quarterly installments rather than monthly.
📚 Supporting the children and household
State Post-Matric Scholarship for ST Students
state · Department of Higher Education
Who qualifies
Scheduled Tribe students of Nagaland pursuing post-matriculation courses.
What you get
Reimbursement of non-refundable fees and monthly maintenance allowance.
What it actually costs you
Requires income certificate and ST certificate; apply via the state scholarship portal.
Common gotcha
Applications must be submitted early in the academic session; late submissions are rarely entertained.
Indira Gandhi National Widow Pension Scheme (State Top-up)
state · Department of Social Welfare
Who qualifies
Widows aged 40-79 years living below the poverty line.
What you get
Additional state-funded monthly pension top-up over the central amount.
What it actually costs you
Death certificate of husband and BPL card required.
Common gotcha
The state top-up is often processed separately; check with your local Anganwadi worker for the current top-up amount.
Nagaland State Women Welfare Grant
state · Nagaland State Social Welfare Board
Who qualifies
Women in distress or those running small-scale household enterprises.
What you get
One-time financial grant for emergency needs or starting a small trade.
What it actually costs you
Application through the local Social Welfare office with a project report.
Common gotcha
Funds are limited and distributed on a first-come, first-served basis per district.
Odishaଓଡ଼ିଶା
Odisha offers a robust network of state-specific social security and health top-ups that are essential for caregivers managing elderly or vulnerable family members.
🏥 Keeping my family healthy
Biju Swasthya Kalyan Yojana (BSKY)
ବିଜୁ ସ୍ୱାସ୍ଥ୍ୟ କଲ୍ୟାଣ ଯୋଜନା
state · Department of Health & Family Welfare
Who qualifies
Low-income families not covered by other health schemes.
What you get
Cashless treatment up to ₹5 lakh per annum per family, and ₹10 lakh for women members.
What it actually costs you
Requires BSKY smart card and Aadhaar; no application fee.
Common gotcha
Private hospitals sometimes claim they are full; keep the helpline number handy.
state · Panchayati Raj & Drinking Water Department
Who qualifies
Rural families living in kutcha (temporary) houses.
What you get
Financial assistance to construct a permanent house.
What it actually costs you
Land ownership documents and verification by the Gram Panchayat.
Common gotcha
The selection list is finalized at the Gram Sabha; attend meetings to ensure your name is included.
Punjabਪੰਜਾਬ
Punjab offers a robust network of state-funded health and social security nets specifically designed to support caregivers managing elderly dependents and low-income families.
🏥 When someone in the family gets sick
Sarbat Sehat Bima Yojana
ਸਰਬੱਤ ਸਿਹਤ ਬੀਮਾ ਯੋਜਨਾ
state · Punjab Health Systems Corporation
Who qualifies
Families not covered under Ayushman Bharat but holding a yellow ration card or falling under specific socio-economic categories.
What you get
Cashless health insurance cover of up to ₹5 lakh per family per year.
What it actually costs you
Free; requires a valid e-card generated via the portal or common service centers.
Common gotcha
Private hospitals often claim they are full; always check the empanelled list on the portal first.
Daughters of low-income families (SC/BC/Christian) at the time of marriage.
What you get
Financial assistance of ₹51,000.
What it actually costs you
Application must be submitted within 30 days of the marriage date.
Common gotcha
The application process is heavily paper-based and requires local MLA/Sarpanch verification.
Financial Assistance to Disabled Persons
state · Department of Social Security
Who qualifies
Persons with 50% or more disability and family income below the state threshold.
What you get
Monthly financial aid of ₹1,500.
What it actually costs you
Requires a medical board certificate proving the disability percentage.
Common gotcha
Renewal of the disability certificate is mandatory every few years.
Puducherryபுதுச்சேரி
As a caregiver in Puducherry, you benefit from unique social security pensions and localized health assistance programs that supplement central schemes.
👵 Monthly support for my family
Puducherry Old Age Pension Scheme
முதியோர் ஓய்வூதியத் திட்டம்
state · Department of Women and Child Development
Who qualifies
Residents over 60 years with annual family income below ₹24,000.
What you get
Monthly pension of ₹2,000 directly to the beneficiary.
What it actually costs you
Aadhaar, income certificate, and residence proof; requires annual renewal.
Common gotcha
The income limit is quite low; ensure your income certificate is updated annually to avoid payment suspension.
Destitute Widow Pension
விதவை உதவித்தொகை
state · Department of Women and Child Development
Who qualifies
Widows aged 18-60 residing in Puducherry.
What you get
Monthly financial assistance of ₹2,000.
What it actually costs you
Death certificate of husband, income certificate, and residence proof.
Common gotcha
Often confused with the central Indira Gandhi National Widow Pension; this state scheme provides a higher top-up.
Financial Assistance to Differently Abled
மாற்றுத்திறனாளிகள் உதவித்தொகை
state · Department of Social Welfare
Who qualifies
Persons with 40% or more disability residing in Puducherry.
What you get
Monthly pension ranging from ₹2,000 to ₹3,000 based on severity.
What it actually costs you
UDID card or state medical board certificate.
Common gotcha
The medical board certificate must be from a government-recognized hospital in Puducherry.
Perunthalaivar Kamarajar Marriage Assistance
திருமண உதவித்தொகை
state · Department of Women and Child Development
Who qualifies
Low-income families for the marriage of their daughters.
What you get
Financial grant of ₹20,000 plus gold coins.
What it actually costs you
Marriage invitation, wedding photo, and income certificate.
Common gotcha
Application must be submitted within 6 months of the wedding date.
🏥 Keeping the family healthy
Free Bus Pass for Students
மாணவர்களுக்கான இலவச பேருந்து அட்டை
state · Puducherry Road Transport Corporation
Who qualifies
Students studying in government schools/colleges.
What you get
Free travel on PRTC buses for daily commute.
What it actually costs you
School ID card and passport size photos.
Common gotcha
Must be renewed at the start of every academic year.
Maternity Assistance Scheme
மகப்பேறு உதவித் திட்டம்
state · Department of Health and Family Welfare
Who qualifies
Pregnant women registered in government hospitals.
What you get
Financial aid of ₹18,000 in installments for nutrition.
What it actually costs you
ANC registration card and bank account details.
Common gotcha
Payments are linked to mandatory immunization schedules for the infant.
Rajasthanराजस्थान
Rajasthan offers a robust social safety net for caregivers, featuring unique universal health coverage and targeted pension schemes that provide a lifeline for families managing elderly or disabled dependents.
🏥 When the family gets sick
Mukhyamantri Chiranjeevi Swasthya Bima Yojana
मुख्यमंत्री चिरंजीवी स्वास्थ्य बीमा योजना
state · Department of Medical and Health, Rajasthan
Who qualifies
All families residing in Rajasthan.
What you get
Cashless treatment up to ₹25 lakh per family per year in empanelled hospitals.
What it actually costs you
Free for NFSA and SECC families; nominal premium for others; requires Jan Aadhaar card.
Common gotcha
Many private hospitals claim they are full; always check the portal for the live list of empanelled hospitals before heading out.
Sikkim offers unique, highly localized social security nets for caregivers, prioritizing maternal health, elderly support, and community-based welfare in the Himalayan context.
👶 Looking after the little ones
Aama Yojana
आमा योजना
state · Department of Social Welfare
Who qualifies
Non-working mothers who are Sikkim subjects.
What you get
Annual grant of ₹20,000 deposited directly into bank accounts.
What it actually costs you
Sikkim Subject Certificate or Certificate of Identification (COI), Aadhaar, and bank passbook.
Common gotcha
Must ensure your name is correctly reflected in the electoral roll as a non-working mother.
Vahini Scheme
वाहिनी योजना
state · Education Department
Who qualifies
Girl students in classes 9 to 12 in government schools.
What you get
Free sanitary napkins to promote menstrual hygiene and school attendance.
What it actually costs you
Enrollment in a state-run secondary or senior secondary school.
Common gotcha
Often distributed through school health clubs; check with the class teacher.
State Maternity Benefit
state · Department of Health and Family Welfare
Who qualifies
Pregnant women registered at local government health centers.
What you get
Cash assistance for nutrition and institutional delivery support.
What it actually costs you
Antenatal check-up records and hospital discharge papers.
Common gotcha
Must be registered with the ASHA worker in your specific ward.
👵 Caring for our elders
State Old Age Pension
state · Social Welfare Department
Who qualifies
Residents aged 60 and above with no regular income source.
What you get
Monthly pension amount higher than the national minimum.
What it actually costs you
Age proof and residency proof (COI).
Common gotcha
Renewal of life certificate is required annually to prevent payment suspension.
Chief Minister's Medical Assistance
मुख्यमन्त्री चिकित्सा सहायता
state · Chief Minister's Office
Who qualifies
Sikkim residents facing high medical expenses for critical illnesses.
What you get
Financial aid for treatment in empanelled hospitals within or outside the state.
What it actually costs you
Medical reports, estimate from the hospital, and income certificate.
Common gotcha
The application must be routed through the local MLA or the CMO office.
State Disability Allowance
state · Department of Social Justice
Who qualifies
Persons with a benchmark disability of 40% or more.
What you get
Monthly financial assistance for care and maintenance.
What it actually costs you
UDID card or state-issued medical board disability certificate.
Common gotcha
The disability certificate must be updated if the condition is temporary.
Tamil Naduதமிழ்நாடு
Tamil Nadu offers a robust social safety net for caregivers, featuring unique monthly financial assistance for the elderly, disabled, and women in distress that is among the most accessible in India.
💰 Monthly cash support for my family
Indira Gandhi National Old Age Pension Scheme (State Top-up)
முதியோர் ஓய்வூதியத் திட்டம்
state · Department of Social Welfare and Women Empowerment
Who qualifies
Destitute seniors over 60 years of age with no income or family support.
What you get
₹1,200 per month.
What it actually costs you
Application via e-Sevai centre, requires Aadhaar and income certificate.
Common gotcha
The 'destitute' criteria is strictly verified by the Village Administrative Officer (VAO).
டாக்டர் முத்துலட்சுமி ரெட்டி மகப்பேறு நிதி உதவித் திட்டம்
state · Department of Health and Family Welfare
Who qualifies
Pregnant women below the poverty line for the first two deliveries.
What you get
₹18,000 in installments plus nutrition kits.
What it actually costs you
Registration at the local Primary Health Centre (PHC).
Common gotcha
Must undergo all mandatory antenatal check-ups at government facilities.
Free Bus Pass for Differently Abled
மாற்றுத்திறனாளிகளுக்கான இலவச பேருந்து பயணம்
state · TN State Transport Corporation
Who qualifies
Differently abled persons with a government-issued ID card.
What you get
Free travel in all government buses.
What it actually costs you
Application at the transport depot with ID proof.
Common gotcha
The pass must be renewed annually.
Tripuraত্রিপুরা
As a caregiver in Tripura, you rely on state-specific social pensions and tribal welfare support that bridge the gap where national schemes fall short.
💰 Monthly support for my family
Tripura Social Pension Scheme
ত্রিপুরা সামাজিক পেনশন প্রকল্প
state · Department of Social Welfare and Social Education
Who qualifies
Elderly, widows, and persons with disabilities meeting low-income criteria.
What you get
Monthly cash assistance ranging from ₹1,000 to ₹2,000.
What it actually costs you
Income certificate, Aadhaar, and bank passbook; application via local Block Development Office.
Common gotcha
Payments are sometimes delayed; ensure your bank account is fully KYC-compliant to avoid transaction failures.
Mukhyamantri Yuba Yogayog Yojana
মুখ্যমন্ত্রী যুব যোগাযোগ যোজনা
state · Department of Education
Who qualifies
Final year college students in state-run institutions.
What you get
One-time financial grant of ₹5,000 for purchasing a smartphone.
What it actually costs you
College bonafide certificate and bank details; applied through the college portal.
Common gotcha
Only for students in their final year of graduation.
Tripura State Minority Scholarship
state · Minority Welfare Department
Who qualifies
Students from minority communities residing in Tripura.
What you get
Annual stipend for education expenses.
What it actually costs you
Caste certificate, income proof, and school admission receipt.
Common gotcha
Must be renewed every academic year; missing the deadline means losing the entire year's benefit.
Tripura Kanyashree Scheme
state · Department of Social Welfare
Who qualifies
Unmarried girls aged 13-18 enrolled in schools.
What you get
Annual scholarship and a one-time grant upon turning 18.
What it actually costs you
School enrollment certificate and bank account in the girl's name.
Common gotcha
The account must be a zero-balance or student account specifically linked to the scheme.
🏥 Healthcare and wellbeing
Chief Minister's Relief Fund (Medical)
মুখ্যমন্ত্রীর ত্রাণ তহবিল
state · Chief Minister's Office
Who qualifies
Residents facing critical illness with high treatment costs.
What you get
Financial aid for surgeries or treatments not covered by other insurance.
What it actually costs you
Medical bills, doctor's referral, and income certificate.
Common gotcha
Requires a formal application letter to the CM's office; keep copies of all hospital discharge summaries.
Tripura State Health Insurance Top-up
state · Department of Health and Family Welfare
Who qualifies
Families already covered under national health schemes.
What you get
Additional coverage for specific diagnostic tests not included in the central scheme.
What it actually costs you
Existing health card and residence proof.
Common gotcha
This is a top-up; you must present your primary health card at the hospital desk first.
Anganwadi Supplementary Nutrition Program
অঙ্গনওয়াড়ি পুষ্টি প্রকল্প
state · ICDS Tripura
Who qualifies
Pregnant women, nursing mothers, and children under 6.
What you get
Monthly dry ration or cooked meals at local centers.
What it actually costs you
Registration at the local Anganwadi center.
Common gotcha
Ensure your name is updated in the local register every month to avoid gaps in ration supply.
Telanganaతెలంగాణ
Telangana provides robust social security nets and targeted welfare for women and caregivers, particularly through the Aasara pension and Kalyana Lakshmi schemes.
💰 Money for family milestones and daily survival
Kalyana Lakshmi Pathakam
కళ్యాణ లక్ష్మి పథకం
state · Government of Telangana
Who qualifies
Unmarried girls of 18+ years belonging to SC/ST/BC/EBC families with income under ₹2 Lakhs.
What you get
One-time grant of ₹1,00,116.
What it actually costs you
Marriage certificate, income certificate, and bank account details; takes 3-6 months for processing.
Common gotcha
The application must be submitted before the wedding date to be valid.
As a caregiver in UP, navigating the state's specific welfare boards and Kanya Sumangala schemes is essential for securing the financial future of the children and elderly I look after.
👧 Helping our daughters grow
Mukhya Mantri Kanya Sumangala Yojana
मुख्यमंत्री कन्या सुमंगला योजना
state · Department of Women and Child Development
Who qualifies
Families with annual income up to ₹3 lakh having a daughter born after April 2019.
What you get
Total financial assistance of ₹15,000 in six stages from birth to graduation.
What it actually costs you
Requires birth certificate, vaccination records, and Aadhaar; no application fee.
Common gotcha
You must apply separately for each of the six stages of the child's life milestones.
West Bengal offers a unique social safety net for caregivers, focusing heavily on direct cash transfers for women and specialized health support for the elderly and vulnerable.
💰 Monthly support for my family
Lakshmir Bhandar
লক্ষ্মীর ভাণ্ডার
state · Department of Women and Child Development and Social Welfare
Who qualifies
Women aged 25-60 years residing in West Bengal.
What you get
Monthly financial assistance of ₹500 for general category and ₹1000 for SC/ST category.
What it actually costs you
Free; requires Aadhaar, bank passbook, and caste certificate.
Common gotcha
Payment is often delayed if your bank account is not Aadhaar-seeded.
