Vihaan

state · Directorate of Industries

Who qualifies

Registered small workshops and service units in the islands.

What you get

Capital investment subsidy up to 30% for machinery and equipment.

What it actually costs you

Requires GST registration and valid Udyam certificate; 3-6 months for processing.

Common gotcha

The subsidy is only released after the machinery is installed and verified by an inspector.

state · Labour Department

Who qualifies

Mechanics and technicians working in construction-related vehicle maintenance.

What you get

Financial assistance for medical, education of children, and funeral expenses.

What it actually costs you

Annual membership fee of ₹20; requires proof of 90 days of work in the last year.

Common gotcha

You must renew your membership annually to remain eligible for benefits.

state · Electricity Department

Who qualifies

Small commercial workshops with low-tension electricity connections.

What you get

Reduced electricity rates compared to mainland commercial tariffs.

What it actually costs you

Requires a valid trade license and commercial connection status.

Common gotcha

The subsidy does not apply if the shop is registered as a residential property.

state · Department of Skill Development

Who qualifies

Local mechanics looking to learn EV maintenance or advanced engine diagnostics.

What you get

Free short-term certification courses and toolkits upon completion.

What it actually costs you

Aadhar card and proof of local residency; 15-30 days of training time.

Common gotcha

Batches are often held only in Port Blair, requiring travel for those in outer islands.

state · Directorate of Shipping Services

Who qualifies

Local residents traveling between islands for work or business.

What you get

Subsidized ticket rates for ferry travel compared to tourist fares.

What it actually costs you

Local ID card (Aadhar/Voter ID) required at the booking counter.

Common gotcha

Tickets for subsidized seats are limited and must be booked well in advance.

state · Andaman Public Works Department

Who qualifies

Low-income island residents without permanent housing.

What you get

Financial grant for construction or renovation of a small home.

What it actually costs you

Land ownership documents and income certificate; long waiting list.

Common gotcha

Priority is given to those living in remote or disaster-prone areas.

state · Directorate of Health Services

Who qualifies

Residents referred from outer islands to G.B. Pant Hospital in Port Blair.

What you get

Reimbursement of travel costs for the patient and one attendant.

What it actually costs you

Original travel tickets and medical referral slip from the local PHC.

Common gotcha

Claims must be submitted within 30 days of returning from the hospital.

state · Labour Department, AP

Who qualifies

Mechanics/workers aged 18-60 who have worked 90 days in construction-related activities.

What you get

Financial assistance for marriage, maternity, education of children, and funeral expenses.

What it actually costs you

Registration fee of ₹20 and annual renewal fee of ₹10; requires Aadhaar and bank passbook.

Common gotcha

You must renew your membership annually, or you lose eligibility for benefits.

state · Government of Andhra Pradesh

Who qualifies

BPL families and unorganized workers identified by village/ward volunteers.

What you get

Insurance cover of up to ₹5 lakh in case of accidental death or permanent disability.

What it actually costs you

Zero premium for the beneficiary; enrollment is done via village volunteers.

Common gotcha

Enrollment is strictly tied to your name appearing in the village volunteer's database.

state · Society for Elimination of Rural Poverty (SERP)

Who qualifies

Elderly, widows, and disabled persons meeting state-defined income criteria.

What you get

Monthly pension ranging from ₹3,000 to ₹10,000 depending on the category.

What it actually costs you

Verification by local ward secretary; no application fee.

Common gotcha

The pension amount is often revised; check with your local ward volunteer for the current slab.

state · APSSDC

Who qualifies

Youth and workers looking for technical certification in automotive or mechanical trades.

What you get

Short-term technical training and industry-recognized certificates.

What it actually costs you

Varies by course; some are free for SC/ST/BC categories.

Common gotcha

Courses are often batch-based; you must register on the portal to get alerts.

state · Andhra Pradesh BC Cooperative Finance Corporation

Who qualifies

Mechanics belonging to Backward Classes with an annual income below state limits.

What you get

Bank-linked loans with a significant state-provided subsidy component.

What it actually costs you

Requires income certificate, caste certificate, and a project report for the workshop.

Common gotcha

The subsidy is only released after the bank approves the loan and the unit is verified.

state · Department of Industries

Who qualifies

Unemployed youth and local entrepreneurs starting small businesses or workshops.

What you get

Credit-linked subsidies to purchase machinery and equipment for your garage.

What it actually costs you

Detailed project report, bank loan sanction letter, and residency proof.

Common gotcha

The subsidy is only released after the bank loan is disbursed, so you need to secure the loan first.

state · Department of Skill Development and Entrepreneurship

Who qualifies

Local mechanics and technicians looking to upgrade their skills with advanced certification.

What you get

Free training sessions and stipends for attending technical workshops.

What it actually costs you

Aadhaar card and local employment exchange registration.

Common gotcha

Training centers are often located in Itanagar; travel costs are usually not reimbursed.

state · Department of Industries

Who qualifies

Small workshop owners registered as micro-enterprises.

What you get

Reimbursement on power bills and interest subvention on business loans.

What it actually costs you

Udyam registration and valid trade license from the local municipal body.

Common gotcha

You must keep your electricity bills and tax filings updated to claim the reimbursement.

state · Labour Department

Who qualifies

Mechanics working in construction-related vehicle maintenance or heavy machinery repair.

What you get

Financial assistance for medical treatment, education of children, and accidental death coverage.

What it actually costs you

Annual membership fee and proof of working in the sector for 90 days.

Common gotcha

Many mechanics forget to renew their membership annually, which makes them ineligible for claims.

state · State Health Agency

Who qualifies

Permanent residents of Arunachal Pradesh not covered by other central health schemes.

What you get

Cashless treatment up to ₹5 Lakhs per family per year in empanelled hospitals.

What it actually costs you

Registration through the portal using your ration card or PRC.

Common gotcha

This stacks on top of Ayushman Bharat; if you are already covered, this acts as a top-up.

state · Department of Planning

Who qualifies

Entrepreneurs seeking to start a business in rural areas of the state.

What you get

30% back-ended subsidy on loans for business setup.

What it actually costs you

Project report and bank appraisal.

Common gotcha

The project must be viable and approved by the district-level committee.

state · Labour and Welfare Department

Who qualifies

Workers aged 18-60 engaged in construction work for at least 90 days in the last year.

What you get

Financial assistance for medical, education of children, and death/disability benefits.

What it actually costs you

Small annual registration fee, requires Aadhaar, bank passbook, and proof of employment.

Common gotcha

Renewal must be done annually to keep the benefits active.

state · Labour Department

Who qualifies

Mechanics and other unorganized workers not covered by ESI or PF.

What you get

Access to state-level social security schemes and accident insurance coverage.

What it actually costs you

Registration through the local Labour Office, requires identity proof.

Common gotcha

Often confused with the central e-Shram portal; this is a separate state-level registration.

state · Industries and Commerce Department

Who qualifies

Self-help groups or individual entrepreneurs starting small businesses.

What you get

Seed capital of ₹50,000 to ₹2 lakhs for business expansion.

What it actually costs you

Detailed project report and business plan required; competitive selection process.

Common gotcha

Only for those who have not received similar government grants previously.

state · Department of Industries and Commerce

Who qualifies

Small workshop owners registered as MSMEs in Assam.

What you get

Interest subsidy on working capital loans and power tariff subsidies.

What it actually costs you

Udyam registration and audited financial statements.

Common gotcha

Subsidy claims must be filed within the financial year of expenditure.

state · National Health Mission, 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

AAA card, which is linked to the Ration Card.

Common gotcha

This acts as a top-up to Ayushman Bharat; check if your hospital is empanelled for both.

state · Revenue and Disaster Management Department

Who qualifies

Brides from families with annual income below ₹5 lakhs.

What you get

Financial assistance of ₹40,000 for purchasing gold.

What it actually costs you

Marriage registration certificate and income certificate.

Common gotcha

The application must be submitted immediately after marriage registration.

state · Department of Industries

Who qualifies

Families with monthly income below ₹6,000 engaged in small-scale self-employment.

What you get

Financial assistance of up to ₹2 lakh for setting up or expanding a small business.

What it actually costs you

Requires income certificate, Aadhaar, and bank account; selection is via lottery system.

Common gotcha

The scheme is highly competitive; many applicants get rejected due to errors in income certificate documentation.

state · BSDM

Who qualifies

Youth aged 15-28 who have passed 10th or 12th grade.

What you get

Free technical training in automotive repair and mechanical trades with certification.

What it actually costs you

Requires residential proof and educational certificates; training is free but requires 80% attendance.

Common gotcha

Training centers are often far from rural areas, making daily travel difficult.

state · Labour Resource Department

Who qualifies

Workers engaged in construction-related mechanical work for at least 90 days in a year.

What you get

Cash assistance for tool purchase, accident insurance, and children's education scholarships.

What it actually costs you

Registration fee of ₹20 and annual renewal fee of ₹20.

Common gotcha

The 90-day work certificate from a contractor is often hard to get for independent mechanics.

state · Education Department

Who qualifies

Students pursuing higher technical education after 12th grade.

What you get

Collateral-free education loan up to ₹4 lakh at 1% interest for technical courses.

What it actually costs you

Requires 12th pass certificate and residential proof; processing takes 30-45 days.

Common gotcha

Loan is only applicable for government-recognized technical institutes.

state · State Health Society Bihar

Who qualifies

Low-income families requiring treatment for serious illnesses not covered by national schemes.

What you get

Financial grant for surgeries and critical care in government hospitals.

What it actually costs you

Requires BPL card and medical referral from a government doctor.

Common gotcha

The grant amount is limited and often requires multiple follow-ups with the district medical officer.

state · Social Welfare Department

Who qualifies

BPL families who have lost their primary breadwinner.

What you get

One-time ex-gratia payment of ₹20,000.

What it actually costs you

Death certificate and BPL certificate required within 1 year of death.

Common gotcha

The application process is paper-heavy and often delayed at the Block Development Office level.

state · Chhattisgarh Building and Other Construction Workers Welfare Board

Who qualifies

Any mechanic aged 18-60 working in the unorganized sector in Chhattisgarh.

What you get

Access to state-funded insurance, tool-kit subsidies, and maternity/education benefits.

What it actually costs you

Small registration fee; requires Aadhaar, bank passbook, and self-declaration of work.

Common gotcha

You must renew your membership annually to keep claiming benefits.

state · Chhattisgarh State Skill Development Authority

Who qualifies

Mechanics who have completed state-certified vocational training.

What you get

A free set of professional-grade mechanical tools worth up to ₹5,000.

What it actually costs you

Zero cost; requires training certificate and identity proof.

Common gotcha

Stock is limited; often distributed during local skill development camps.

state · Department of Health and Family Welfare, Chhattisgarh

Who qualifies

Families with an annual income below the threshold who need critical care.

What you get

Financial assistance up to ₹20 lakh for serious medical treatments.

What it actually costs you

Requires medical reports and income certificate; process is handled through district hospitals.

Common gotcha

This is for treatments not covered by other national schemes; documentation must be precise.

state · Chhattisgarh State Power Distribution Company Limited

Who qualifies

Domestic electricity consumers with a consumption up to 400 units.

What you get

50% discount on the total electricity bill.

What it actually costs you

Automatic for eligible domestic meters; no separate application needed.

Common gotcha

If you cross 400 units, the discount does not apply for that month.

state · Food, Civil Supplies and Consumer Protection Department

Who qualifies

Residents of Chhattisgarh based on income and social category.

What you get

Subsidized rice, salt, and pulses at very low rates.

What it actually costs you

Requires residence proof and family details; updated via e-KYC.

Common gotcha

Ensure your Aadhaar is linked to your ration card to prevent deletion.

state · Chhattisgarh Building and Other Construction Workers Welfare Board

Who qualifies

Registered workers who commute to work daily.

What you get

One-time cash assistance to purchase a bicycle.

What it actually costs you

Requires active labor board registration and a bill of purchase.

Common gotcha

You must be a registered member for at least 90 days before applying.

state · Chandigarh Labour Department

Who qualifies

Registered construction workers including those in mechanical fabrication roles at sites.

What you get

Financial assistance for children's education, maternity benefits, and funeral expenses.

What it actually costs you

Annual membership fee of ₹20; requires proof of 90 days of work.

Common gotcha

The 90-day work certificate must be signed by the employer or a registered contractor.

state · Department of Technical Education, Chandigarh

Who qualifies

Unemployed youth or mechanics looking for formal certification in advanced automotive repair.

What you get

Free short-term vocational training and industry-recognized certification.

What it actually costs you

Free; requires Aadhaar and proof of Chandigarh residency.

Common gotcha

Seats fill up quickly; check the ITI campus notice boards regularly.

state · Government Medical College and Hospital, Chandigarh

Who qualifies

Residents of Chandigarh with a valid residence proof.

What you get

Highly subsidized diagnostic tests and consultations compared to private clinics.

What it actually costs you

Nominal registration fee of ₹10; long waiting queues.

Common gotcha

Always carry your original Chandigarh residence proof to avoid being charged as an outsider.

state · Chandigarh Transport Undertaking

Who qualifies

Daily commuters and workers residing in Chandigarh.

What you get

Monthly bus pass at discounted rates for unlimited travel within the city.

What it actually costs you

Passport-sized photos and address proof; cost varies by route distance.

Common gotcha

Passes must be renewed before the 5th of every month to avoid fines.

state · Labour Department, GNCTD

Who qualifies

Mechanics working in construction-related machinery or site maintenance for 90 days in a year.

What you get

Financial assistance for education, marriage, maternity, and medical emergencies.

What it actually costs you

Registration fee of ₹25, annual renewal of ₹20; requires employer certificate.

Common gotcha

Many mechanics forget to renew their membership annually, disqualifying them from claims.

state · Department of SC/ST/OBC/Minorities

Who qualifies

Children of mechanics belonging to SC/ST/OBC categories with family income under ₹8 lakh.

What you get

Free coaching for competitive exams like JEE, NEET, and UPSC.

What it actually costs you

Zero cost; requires income certificate and caste certificate.

Common gotcha

Limited seats per coaching institute; apply as soon as notifications appear.

state · Department of Social Welfare

Who qualifies

Families of breadwinners (like mechanics) who pass away prematurely.

What you get

One-time ex-gratia payment of ₹20,000.

What it actually costs you

Death certificate and proof of income required; application must be within 1 year.

Common gotcha

Often overlooked; families assume it only applies to government employees.

state · Delhi Electricity Regulatory Commission

Who qualifies

All Delhi residents with domestic electricity connections.

What you get

Zero bill for up to 200 units; 50% subsidy for 201-400 units.

What it actually costs you

Must opt-in via SMS or electricity bill form annually.

Common gotcha

If you don't opt-in, you lose the subsidy automatically.

state · Delhi Transport Corporation (DTC)

Who qualifies

All women traveling in Delhi government buses.

What you get

Free travel via pink tickets.

What it actually costs you

Zero cost; just ask the conductor for a pink ticket.

Common gotcha

Does not apply to private cluster buses or metro, only DTC/Cluster government buses.

state · Department of Food Supplies and Consumer Affairs

Who qualifies

Low-income households in Delhi.

What you get

Subsidized wheat, rice, and sugar monthly.

What it actually costs you

Requires Aadhaar seeding and biometric verification.

Common gotcha

Name mismatches between Aadhaar and Ration card are the biggest hurdle.

state · Department of Labour and Employment

Who qualifies

Registered workers in industrial units and workshops

What you get

Financial assistance for medical treatment, education of children, and funeral expenses

What it actually costs you

Registration with the local labour office, proof of employment, and identity documents

Common gotcha

You must renew your registration annually to keep the benefits active

state · Department of Industries

Who qualifies

Small-scale workshop owners and service providers

What you get

Interest subvention on loans and reimbursement of electricity charges

What it actually costs you

Udyam registration and valid GST filings

Common gotcha

The subsidy is often delayed; keep all original tax invoices filed properly

state · Directorate of Technical Education

Who qualifies

Local mechanics and technicians looking for certified training

What you get

Free or subsidized technical training in modern automotive repair

What it actually costs you

Aadhar card and proof of local residency

Common gotcha

Courses fill up quickly; check the Daman/DNH technical education portal regularly

state · Department of Urban Development

Who qualifies

Low-income residents living in the UT for over 15 years

What you get

Financial grant for house repairs or construction

What it actually costs you

Domicile certificate and income proof

Common gotcha

The domicile certificate process can take months; apply well in advance

state · Transport Department

Who qualifies

Daily wage earners and mechanics commuting to industrial areas

What you get

Concessional bus passes for local public transport

What it actually costs you

Work ID card and passport-sized photos

Common gotcha

Only valid on government-run buses, not private operators

state · Department of Labour, Government of Goa

Who qualifies

Registered workers in workshops and garages with valid labour card.

What you get

Financial assistance for medical treatment, education of children, and funeral expenses.

What it actually costs you

Annual membership fee; requires Labour Card, Aadhaar, and bank passbook.

Common gotcha

Many mechanics forget to renew their registration annually, making them ineligible for sudden claims.

state · Directorate of Planning, Statistics and Evaluation

Who qualifies

Low-income individuals or families with specific disabilities or elderly dependents.

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 medical certificate if applicable.

Common gotcha

The income limit is strictly verified; any change in household income must be reported.

state · Goa State SC/ST/OBC Finance Corporation

Who qualifies

Mechanics from OBC or SC/ST categories looking to purchase new tools or expand workshop space.

What you get

Low-interest loans for small business setup or equipment purchase.

What it actually costs you

Caste certificate, project report for the workshop, and income proof.

Common gotcha

The process requires a detailed project report; don't just apply without a clear plan.

state · Directorate of Skill Development and Entrepreneurship

Who qualifies

Working mechanics seeking certification in advanced automotive or electrical systems.

What you get

Short-term certificate courses and subsidized training in government ITIs.

What it actually costs you

Nominal registration fee; requires proof of current employment or experience.

Common gotcha

Classes are often held in the evenings or weekends; check the specific ITI schedule.

state · Directorate of Skill Development and Entrepreneurship

Who qualifies

Young apprentices working in registered garages under the state scheme.

What you get

Additional monthly stipend on top of the employer's payment.

What it actually costs you

Registration on the apprenticeship portal and a valid contract with the garage owner.

Common gotcha

The garage must be a registered establishment to qualify for the state top-up.

state · Industries Commissionerate

Who qualifies

Small workshop owners registered as MSMEs in Gujarat.

What you get

Interest subsidy on term loans and capital investment subsidies.

What it actually costs you

Requires Udyam registration and a detailed project report.

Common gotcha

The paperwork for subsidy claims is extensive and often requires a CA's certification.

state · Gujarat Labour Welfare Board

Who qualifies

Registered workers in factories or shops under the Shops and Establishments Act.

What you get

Financial assistance for education, medical emergencies, and funeral expenses.

What it actually costs you

Small annual contribution from the employer/employee, valid ID proof.

Common gotcha

Many mechanics forget to renew their registration annually, making them ineligible for benefits.

state · Gujarat Industrial Development Corporation

Who qualifies

Small scale entrepreneurs looking for dedicated workshop space.

What you get

Allotment of industrial sheds at subsidized rates in GIDC estates.

What it actually costs you

Application fee and security deposit based on location.

Common gotcha

High demand means long waiting lists for prime industrial estates.

state · Energy and Petrochemicals Department

Who qualifies

Registered MSME workshops with valid electricity connections.

What you get

Exemption from electricity duty for a fixed period of 5 years.

What it actually costs you

Application through the state portal with Udyam certificate.

Common gotcha

Only applies to the duty component, not the base consumption tariff.

state · Health and Family Welfare Department

Who qualifies

Families with annual income below ₹4 lakh.

What you get

Cashless medical treatment up to ₹5 lakh per family per year.

What it actually costs you

Income certificate and family ration card.

Common gotcha

It stacks with PMJAY, but you must ensure your hospital is empanelled under both.

state · Gujarat Labour and Employment Department

Who qualifies

Construction and industrial workers working near designated sites.

What you get

Nutritious lunch at a highly subsidized rate of ₹5.

What it actually costs you

Registration with the Labour Board.

Common gotcha

Only available at specific mobile van locations or designated centers.

state · GSRTC

Who qualifies

Registered industrial workers commuting to work.

What you get

Concessional bus passes for daily travel on GSRTC buses.

What it actually costs you

Employer verification letter and ID proof.

Common gotcha

Passes are only valid for specific routes between home and work.

state · Labour and Employment Department

Who qualifies

Registered workers in construction or related mechanical trades.

What you get

Financial assistance for children's education, marriage, and medical emergencies.

What it actually costs you

Annual membership fee, requires valid registration certificate and Aadhaar.

Common gotcha

You must renew your registration annually to keep claiming benefits.

state · Department of Social Justice and Empowerment

Who qualifies

Daughters of families registered under BPL or specific welfare schemes.

What you get

One-time grant of ₹31,000 at the time of marriage.

What it actually costs you

Application through local Tehsil office, requires income certificate.

Common gotcha

Must apply at least 30 days before the wedding date.

state · HPKVN

Who qualifies

Youth and workers looking to upgrade technical skills in automotive repair.

What you get

Free short-term vocational training and certification.

What it actually costs you

Zero cost, but requires time commitment for classes.

Common gotcha

Courses are batch-based; you have to wait for the next cycle in your district.

state · Department of Health and Family Welfare

Who qualifies

Families not covered under Ayushman Bharat (PMJAY).

What you get

Cashless treatment up to ₹5 lakh per year per family.

What it actually costs you

Small annual premium (₹250-₹1000) depending on category.

Common gotcha

Registration happens only during specific enrollment windows.

state · Himachal Road Transport Corporation

Who qualifies

Specific categories including students and senior citizens.

What you get

Significant discounts on bus travel across the state.

What it actually costs you

Requires a valid ID card issued by HRTC.

Common gotcha

Concessions are not valid on all luxury or Volvo services.

state · Transport Department

Who qualifies

Local residents operating small commercial transport vehicles.

What you get

Subsidies on permit fees and vehicle tax for specific hilly routes.

What it actually costs you

Standard vehicle registration documents and local domicile proof.

Common gotcha

Only applies to vehicles registered within HP.

state · Labour Department, Haryana

Who qualifies

Registered construction workers with at least 90 days of work in the last year.

What you get

Financial assistance for marriage, maternity, education of children, and tool purchase grants.

What it actually costs you

Annual registration fee of ₹25; requires Aadhaar, bank passbook, and work certificate.

Common gotcha

You must renew your membership annually to keep receiving benefits.

state · Haryana Skill Development Mission

Who qualifies

Mechanics and artisans trained under state-run skill centers.

What you get

A free set of professional-grade mechanical tools worth up to ₹5,000.

What it actually costs you

Requires completion certificate from a government-recognized vocational training center.

Common gotcha

The quality of tools varies by district; check the kit before signing the receipt.

state · Labour Welfare Board

Who qualifies

Children of registered construction workers studying in schools or colleges.

What you get

Annual scholarship ranging from ₹8,000 to ₹20,000 depending on the course level.

What it actually costs you

School bonafide certificate and parent's registration card.

Common gotcha

Applications must be submitted within 6 months of the academic year start.

state · Labour Department

Who qualifies

Registered workers who suffer permanent disability or death while working.

What you get

Up to ₹2,00,000 in case of accidental death or permanent disability.

What it actually costs you

FIR copy, medical board certificate, and death certificate.

Common gotcha

Must be reported to the labour office within 30 days of the incident.

state · Labour Welfare Board

Who qualifies

Registered workers and their family members.

What you get

Reimbursement of medical expenses incurred for treatment of serious illnesses.

What it actually costs you

Hospital bills, doctor prescriptions, and discharge summary.

Common gotcha

Only covers hospitals empanelled by the state government.

state · Labour Welfare Board

Who qualifies

Registered workers over 40 years of age.

What you get

One-time grant of ₹1,000 for spectacles and ₹2,000 for dentures.

What it actually costs you

Prescription from a government doctor.

Common gotcha

Can only be claimed once every 3 years.

state · Department of Labour, Employment and Training

Who qualifies

Workers aged 18-60 engaged in construction or related mechanical maintenance work for at least 90 days.

What you get

Financial assistance for marriage, education of children, and medical expenses.

What it actually costs you

Small annual membership fee; requires Aadhaar, bank passbook, and employer certificate.

Common gotcha

The 90-day work certificate is often rejected if not signed by a registered contractor.

state · Department of Women, Child Development and Social Security

Who qualifies

Families with a girl child, specifically those below the poverty line.

What you get

Financial support of up to ₹50,000 in stages until the girl completes graduation.

What it actually costs you

Birth certificate and income certificate; application via Anganwadi centers.

Common gotcha

Payments are often delayed if the bank account is not linked to the child's Aadhaar.

state · Department of Social Security

Who qualifies

All citizens above 60, widows, or disabled individuals not covered by other central schemes.

What you get

Monthly pension of ₹1,000.

What it actually costs you

Aadhaar and bank details; no BPL card requirement anymore.

Common gotcha

The 'universal' nature means you must prove you aren't receiving other government pensions.

state · Jharkhand Urban Development Department

Who qualifies

Daily wage earners and laborers working in urban areas.

What you get

Nutritious meal at a subsidized rate of ₹5.

What it actually costs you

Just your presence at designated urban centers; no documents needed for a single meal.

Common gotcha

Limited operating hours, usually only during lunch time.

state · Jharkhand State SC/ST/Minorities/Backward Classes Finance Development Corporation

Who qualifies

Youth aged 18-45 looking to start a small business or workshop.

What you get

Loan up to ₹25 lakh with 40% subsidy (up to ₹5 lakh).

What it actually costs you

Project report, business plan, and caste certificate.

Common gotcha

The subsidy is only released after the loan is approved and the business is verified.

state · JSDMS

Who qualifies

Unemployed youth aged 18-35.

What you get

Free vocational training in automotive repair and technical trades.

What it actually costs you

Registration on the portal; requires identity proof.

Common gotcha

Training centers are often located in district headquarters, making it hard for rural mechanics to commute.

state · Labour and Employment Department

Who qualifies

Registered workers engaged in construction-related mechanical work for at least 90 days.

What you get

Financial assistance for education, marriage of daughters, and medical emergencies.

What it actually costs you

Registration fee of ₹20, annual renewal, requires Aadhaar and bank passbook.

Common gotcha

Registration must be renewed annually or you lose eligibility for benefits.

state · Skill Development Department

Who qualifies

Local youth and mechanics looking to upgrade to EV or advanced engine diagnostics.

What you get

Free technical training certificates and apprenticeship placement.

What it actually costs you

Zero cost, but requires time commitment for evening or weekend classes.

Common gotcha

Certificates are only valid if the training partner is officially empanelled.

state · Department of Handicrafts and Handloom

Who qualifies

Small-scale workshop owners and local artisans in J&K.

What you get

Soft loans up to ₹2 lakh with interest subvention.

What it actually costs you

Application through DIC office, requires business registration proof.

Common gotcha

The interest subvention is only credited if repayments are made on time.

state · State Health Agency J&K

Who qualifies

All residents of J&K not covered under central Ayushman Bharat.

What you get

Cashless treatment up to ₹5 lakh per family per year in empanelled hospitals.

What it actually costs you

Free registration; requires Golden Card generated via CSC.

Common gotcha

Many private clinics do not accept it; check the empanelled list first.

state · Directorate of Health Services

Who qualifies

Low-income families facing high costs for chronic illness treatment.

What you get

Direct reimbursement for specific life-saving medicines.

What it actually costs you

Requires medical board certification and income certificate.

Common gotcha

The paperwork process is slow; keep copies of all pharmacy bills.

state · Labour Department, Government of Karnataka

Who qualifies

Mechanics and garage workers aged 18-60 who are not covered under ESI/EPF.

What you get

Requires Aadhaar, bank passbook, and a self-declaration of occupation.

Common gotcha

The portal often requires a specific 'Shramik' ID which is different from your UAN.

state · Backward Classes Welfare Department

Who qualifies

Mechanics from OBC categories with an annual family income below ₹3.5 lakhs.

What you get

Caste certificate, income certificate, and a quotation from a tool vendor.

Common gotcha

Funds are released in limited batches; apply as soon as the notification appears in local newspapers.

state · Labour Department

Who qualifies

Registered workers who suffer injury or death while working.

What you get

FIR copy, medical certificate, and death certificate if applicable.

Common gotcha

Must be reported within 30 days of the incident to be eligible for the claim.

state · Karnataka State Road Transport Corporation (KSRTC)

Who qualifies

All women domiciled in Karnataka, including female family members of mechanics.

What you get

Requires a 'Shakti Smart Card' applied via Seva Sindhu.

Common gotcha

Does not apply to luxury or sleeper buses; only ordinary and express services.

state · Bengaluru Metropolitan Transport Corporation

Who qualifies

Daily commuters in Bengaluru city.

What you get

Passport size photo and ID proof at any major bus depot.

Common gotcha

The pass is non-transferable; carrying your original ID is mandatory during inspection.

state · Kerala Motor Transport Workers Welfare Fund Board

Who qualifies

Mechanics and workers in the motor transport sector.

What you get

Pension, medical assistance, and educational grants for children.

What it actually costs you

Monthly contribution based on wage; requires registration card.

Common gotcha

You must keep your monthly contribution receipts updated to claim benefits.

state · Kerala Labour Welfare Fund Board

Who qualifies

Employees in establishments covered under the Kerala Labour Welfare Fund Act.

What you get

Scholarships for children, funeral expenses, and medical aid.

What it actually costs you

Small bi-annual contribution from employer and employee.

Common gotcha

Often overlooked by small garage owners; check if your shop is registered.

state · Department of Labour and Skills

Who qualifies

Registered workers under the welfare boards.

What you get

Financial compensation for accidental death or permanent disability.

What it actually costs you

Covered by your welfare board membership.

Common gotcha

Must file FIR and submit documents within 30 days of the accident.

state · State Health Agency Kerala

Who qualifies

Low-income families in Kerala.

What you get

Cashless treatment for serious illnesses in empanelled hospitals.

What it actually costs you

Free; requires Ration Card and Aadhaar.

Common gotcha

This acts as a top-up to national schemes; check if your hospital is empanelled.

state · Kerala Social Security Mission

Who qualifies

Families with income below a certain threshold facing chronic illness.

What you get

Direct financial aid for surgery or long-term medication.

What it actually costs you

Requires medical certificate and income certificate from Village Officer.

Common gotcha

Processing takes time; keep all original bills safe.

state · Department of Industries and Commerce, Ladakh

Who qualifies

Registered small workshop owners in Ladakh

What you get

Capital investment subsidies for machinery and power backup equipment

What it actually costs you

Registration with DIC, GST certificate, and project report

Common gotcha

The subsidy is often disbursed as a reimbursement after you have already purchased the equipment.

state · Ladakh Skill Development Mission

Who qualifies

Local youth and mechanics looking to upgrade to EV or advanced diagnostic tools

What you get

Free advanced technical training and certification

What it actually costs you

Aadhaar card and local resident certificate

Common gotcha

Courses are seasonal and often held only in Leh or Kargil during winter months.

state · Labour Department, Ladakh

Who qualifies

Mechanics and workers registered as construction or workshop laborers

What you get

Financial assistance for children's education, medical emergencies, and funeral expenses

What it actually costs you

Annual membership fee and proof of 90 days of work in the last year

Common gotcha

You must renew your registration annually to keep the benefits active.

state · District Administration

Who qualifies

Residents of Ladakh during extreme winter months

What you get

Subsidized kerosene or heating oil allocation

What it actually costs you

Ration card and residence proof

Common gotcha

Distribution is strictly managed through local panchayats; missing the window means no supply.

state · Lakshadweep State Cooperative Bank

Who qualifies

Registered local artisans and small workshop owners in Lakshadweep.

What you get

Low-interest working capital loans up to ₹2 lakhs for equipment upgrades.

What it actually costs you

Membership in the local cooperative society; requires local guarantor.

Common gotcha

Processing is slow due to inter-island document transit times.

state · Department of Civil Supplies

Who qualifies

Small business owners requiring diesel for power generation or transport.

What you get

Reimbursement on the high cost of transporting fuel between islands.

What it actually costs you

Original invoices and proof of business activity.

Common gotcha

Must be claimed quarterly; receipts must be stamped by the island administration.

state · Department of Health Services

Who qualifies

Residents requiring emergency specialized treatment in Kochi.

What you get

Financial assistance for air travel and stay during medical emergencies.

What it actually costs you

Medical referral certificate from the local island hospital.

Common gotcha

Only covers the patient and one attendant; strict verification process.

state · Department of Fisheries

Who qualifies

Mechanics working on local fishing boat engines.

What you get

Annual grant for spare parts procurement for local fishing fleets.

What it actually costs you

Proof of workshop registration and list of serviced boats.

Common gotcha

Funds are released based on the financial year budget availability.

state · Lakshadweep Administration

Who qualifies

Permanent residents with low income needing home repairs.

What you get

Grant of up to ₹1 lakh for structural repairs due to coastal weather damage.

What it actually costs you

Land ownership documents and local panchayat recommendation.

Common gotcha

Waiting list is long; priority given to older structures.

state · Department of Labour

Who qualifies

Workers engaged in loading, unloading, and manual labor in workshops or transport hubs.

What you get

Access to medical aid, funeral expenses, and educational scholarships for children.

What it actually costs you

Registration fee varies; requires employment certificate and Aadhaar.

Common gotcha

Many mechanics don't realize they qualify if they handle heavy auto parts or loading work.

state · Government of Maharashtra

Who qualifies

Individuals from economically backward classes looking to start or expand a small workshop.

What you get

Interest subsidy on loans up to 10 lakhs for business equipment.

What it actually costs you

Project report, business registration, and bank tie-up required.

Common gotcha

The interest subsidy is credited back to the loan account, not given as cash upfront.

state · Labour Department

Who qualifies

Workers involved in construction-related mechanical work or heavy machinery maintenance.

What you get

Direct benefit transfers for marriage, maternity, and medical emergencies.

What it actually costs you

Annual contribution of ₹60; requires 90 days of work certificate.

Common gotcha

The 90-day work certificate from a contractor is the most rejected document.

state · Public Health Department

Who qualifies

Low-income families in Maharashtra holding a yellow or orange ration card.

What you get

Cashless treatment for critical surgeries up to ₹1.5 lakhs per year.

What it actually costs you

Ration card and Aadhaar; no application fee.

Common gotcha

It only works in empanelled hospitals; check the list before getting admitted.

municipal · Municipal Corporations (e.g., BMC)

Who qualifies

Any resident of the city needing basic outpatient care.

What you get

Free consultation, basic tests, and essential medicines.

What it actually costs you

Walk-in; no documents needed for basic checkup.

Common gotcha

These clinics have specific operating hours, usually 7 AM to 2 PM.

state · Meghalaya Institute of Entrepreneurship

Who qualifies

Local entrepreneurs and skilled mechanics running small workshops.

What you get

Requires a solid business plan and registration with the state portal.

Common gotcha

It is not a direct cash grant; it is a long-term support program requiring active participation.

state · Department of Commerce and Industries

Who qualifies

Registered small workshops and repair units in Meghalaya.

What you get

GST registration and trade license from the local Dorbar Shnong.

Common gotcha

The subsidy is often disbursed as a reimbursement after the loan interest is paid.

state · Autonomous District Councils

Who qualifies

Any person operating a business or workshop within the state.

What you get

NOC from local headman and a small annual fee based on business scale.

Common gotcha

You must renew this annually through the specific District Council office of your area.

state · Meghalaya Health Insurance Society

Who qualifies

All residents of Meghalaya not covered by other central schemes.

What you get

Aadhaar card and family ration card.

Common gotcha

It acts as a top-up to the national PMJAY scheme; ensure your name is on the state database.

state · Labour Department

Who qualifies

Mechanics working in construction-related vehicle maintenance.

What you get

Proof of 90 days of work in the sector and a registration fee.

Common gotcha

Membership needs to be kept active through annual renewal payments.

state · Labour Department, Government of Manipur

Who qualifies

Mechanics involved in construction-related vehicle maintenance or site work registered as workers.

What you get

Financial assistance for medical treatment, education of children, and funeral expenses.

What it actually costs you

Registration fee of ₹20, requires Aadhaar and proof of employment.

Common gotcha

Renewal of membership must be done annually to remain eligible for benefits.

state · Planning Department, Government of Manipur

Who qualifies

Local entrepreneurs including mechanics looking to modernize their workshop equipment.

What you get

Seed funding and subsidies for purchasing advanced diagnostic tools.

What it actually costs you

Detailed business plan and pitch, competitive selection process.

Common gotcha

The scheme is highly competitive; focus on the innovation aspect of your workshop.

state · Department of Commerce and Industries

Who qualifies

Small workshop owners registered under Udyam.

What you get

Interest subvention on loans taken for business expansion.

What it actually costs you

Udyam registration certificate and bank loan sanction letter.

Common gotcha

Must apply through the state portal before the financial year ends.

state · State Health Agency, Manipur

Who qualifies

Low-income families not covered by national insurance schemes.

What you get

Cashless health cover up to ₹2 lakhs per family per year.

What it actually costs you

Aadhaar card and income certificate; zero premium.

Common gotcha

Only works in empanelled hospitals within Manipur.

state · Department of Health and Family Welfare

Who qualifies

Patients suffering from life-threatening diseases requiring expensive treatment.

What you get

One-time financial grant for surgery or major medical procedures.

What it actually costs you

Medical report from a government hospital and income proof.

Common gotcha

Processing takes time; apply as soon as the medical estimate is received.

state · Labour Department, MP

Who qualifies

Registered workers in construction and allied trades

What you get

₹50,000 for medical treatment, ₹2 lakh for accidental death

What it actually costs you

Registration fee ₹60, requires Aadhaar and bank passbook

Common gotcha

Registration must be renewed annually to keep benefits active

state · Labour Department, MP

Who qualifies

Unorganized sector workers including mechanics

What you get

Electricity bill waiver, subsidized food grains, and accident insurance

What it actually costs you

Free registration on the portal, requires Samagra ID

Common gotcha

Ensure your Samagra ID is linked with your Aadhaar and mobile number

state · Department of Technical Education and Skill Development

Who qualifies

Youth and workers seeking certification in technical trades

What you get

Free short-term technical training and industry-recognized certification

What it actually costs you

Free, requires basic identity proof and local residence certificate

Common gotcha

Certificates are only valid if the training center is affiliated with the state mission

state · MSME Department, MP

Who qualifies

Entrepreneurs aged 18-45 looking to expand their workshop

What you get

Loan up to ₹50 lakh with 3% interest subsidy and bank guarantee

What it actually costs you

Detailed project report, requires 8th-grade pass minimum

Common gotcha

The bank guarantee is only provided for loans up to a certain limit

state · Department of Labour, Employment, Skill Development & Entrepreneurship

Who qualifies

Unemployed youth and tradespeople looking for advanced certification.

What you get

Free vocational training and industry-recognized certifications.

What it actually costs you

Free; requires Aadhar and proof of residency.

Common gotcha

Seats fill up fast in Aizawl centers; check the portal for batch announcements.

state · Labour Department

Who qualifies

Mechanics and workers involved in construction/maintenance activities for at least 90 days.

What you get

Financial assistance for medical, education, and marriage expenses.

What it actually costs you

Small annual registration fee; requires work certificate.

Common gotcha

You must renew your membership annually to keep claiming benefits.

state · Commerce & Industries Department

Who qualifies

Local entrepreneurs and small workshop owners in Mizoram.

What you get

Financial grants and seed money for business expansion.

What it actually costs you

Detailed business plan and project report required.

Common gotcha

The selection process is competitive and requires a clear proposal.

state · Cooperation Department

Who qualifies

Mechanics forming a group or cooperative for shared tools/space.

What you get

Low-interest loans and subsidies for cooperative infrastructure.

What it actually costs you

Registration of the society and minimum 10 members.

Common gotcha

Accounting and audit compliance is strictly monitored by the department.

state · Department of Industries and Commerce

Who qualifies

Registered local entrepreneurs and small workshop owners.

What you get

Seed funding, incubation support, and tax exemptions for local businesses.

What it actually costs you

Detailed business plan and proof of local residency.

Common gotcha

The application process is highly competitive and requires a formal pitch.

state · NSDM

Who qualifies

Mechanics looking to upgrade to EV repair or advanced diagnostics.

What you get

Free advanced technical training and certification.

What it actually costs you

Time commitment for training sessions; Aadhaar card.

Common gotcha

Seats fill up very quickly; check the portal for batch schedules.

state · Government of Nagaland

Who qualifies

Small business owners and mechanics needing working capital.

What you get

Subsidized interest rates on business loans.

What it actually costs you

Project report and bank documentation.

Common gotcha

Requires a clear repayment plan approved by the bank.

state · Department of Industries and Commerce

Who qualifies

Skilled workers and tradespeople in Nagaland.

What you get

Financial assistance for tool procurement.

What it actually costs you

Indigenous inhabitant certificate.

Common gotcha

Often confused with general industrial subsidies.

state · Department of Health and Family Welfare

Who qualifies

All state residents not covered by other central schemes.

What you get

Cashless treatment for secondary and tertiary care.

What it actually costs you

Registration with the state health database.

Common gotcha

It stacks with national schemes; ensure you are not already enrolled in PMJAY.

state · Labour Department

Who qualifies

Workers engaged in construction and related technical trades.

What you get

Education scholarships for children and medical assistance.

What it actually costs you

Proof of 90 days of work in the construction sector.

Common gotcha

Renewal of registration is required every year.

state · Social Welfare Department

Who qualifies

Elderly citizens of Nagaland without other income.

What you get

Monthly cash transfer.

What it actually costs you

Age proof and income certificate.

Common gotcha

Payment delays can occur; keep bank details updated.

state · Department of Higher Education

Who qualifies

Students from Nagaland pursuing technical education.

What you get

Annual financial aid for tuition and books.

What it actually costs you

Academic transcripts and residency proof.

Common gotcha

Application deadlines are strict and usually in the autumn.

state · Labour and ESI Department

Who qualifies

Workers aged 18-60 engaged in construction-related mechanical/repair work for 90 days a year.

What you get

Financial assistance for marriage, education of children, and death/disability benefits.

What it actually costs you

Registration fee of ₹20; requires Aadhaar, bank passbook, and proof of employment.

Common gotcha

You must renew your membership annually to keep receiving benefits.

state · Health and Family Welfare Department

Who qualifies

Low-income families not covered by central health schemes.

What you get

Cashless health coverage up to ₹5 lakh per annum per family.

What it actually costs you

Requires BSKY smart card or ration card; no premium.

Common gotcha

Check if your local private garage/hospital is empanelled before an emergency.

state · Labour Commissionerate

Who qualifies

Registered workers who suffer an accident while working.

What you get

Ex-gratia payment for permanent disability or death.

What it actually costs you

FIR copy, medical certificate, and death certificate required.

Common gotcha

Must be reported within 30 days of the incident.

state · Department of Women and Child Development

Who qualifies

Pregnant women above 19 years for their first two live births.

What you get

Direct cash transfer of ₹5,000 in two installments for nutrition.

What it actually costs you

Registration at Anganwadi center; requires bank account.

Common gotcha

Delayed registration often leads to missing the first installment.

state · Panchayati Raj and Drinking Water Department

Who qualifies

Families living in kutcha houses in rural Odisha.

What you get

Financial assistance to convert kutcha house to pucca house.

What it actually costs you

Land ownership documents; verified by Gram Panchayat.

Common gotcha

Selection is based on the permanent waitlist generated by the state.

state · Department of Agriculture and Farmers' Empowerment

Who qualifies

Children of beneficiaries of the KALIA scheme pursuing higher education.

What you get

Full reimbursement of college fees and hostel charges.

What it actually costs you

Admission receipt and KALIA ID.

Common gotcha

Only applies to government-run or state-affiliated institutions.

state · Department of Labour, Punjab

Who qualifies

Registered construction workers with at least 90 days of work in the last year.

What you get

Cash assistance for marriage, maternity, funeral, and tool purchase subsidies.

What it actually costs you

Annual membership renewal fee; requires Aadhaar, bank passbook, and work certificate.

Common gotcha

The 90-day work certificate must be signed by the employer or a registered contractor.

state · Department of Social Justice, Empowerment and Minorities

Who qualifies

Daughters of low-income families (SC/BC/Christian/Widows) at the time of marriage.

What you get

₹51,000 as a one-time grant.

What it actually costs you

Application within 30 days of marriage; requires income certificate and marriage proof.

Common gotcha

Funds are transferred directly to the bride's bank account, not the parents'.

state · Punjab Government

Who qualifies

Girl students studying in government schools (Class 11-12).

What you get

Free bicycle to commute to school.

What it actually costs you

School bonafide certificate; no cost.

Common gotcha

Only for students in government-run schools, not private ones.

state · Labour Department

Who qualifies

Registered workers who suffer accidental death or permanent disability while working.

What you get

Up to ₹4 lakh for death and varying amounts for disability.

What it actually costs you

FIR copy, post-mortem report, and death certificate required.

Common gotcha

Must be a registered member of the welfare board at the time of the accident.

state · Punjab Health Systems Corporation

Who qualifies

Families not covered under central PMJAY but meeting state income criteria.

What you get

Cashless treatment up to ₹5 lakh per family per year in empanelled hospitals.

What it actually costs you

e-card generation at a Common Service Centre.

Common gotcha

It stacks with PMJAY; if you have both, you get the state's wider coverage.

state · Punjab State Power Corporation Limited (PSPCL)

Who qualifies

All domestic consumers in Punjab.

What you get

Zero bill if consumption is under 300 units per month (600 per billing cycle).

What it actually costs you

Must have a verified electricity meter connection.

Common gotcha

If you exceed 600 units in a cycle, you pay the full bill for the entire amount.

state · Department of Food, Civil Supplies and Consumer Affairs

Who qualifies

Blue card holders (low-income families).

What you get

Subsidized wheat and pulses at doorstep or via ration depot.

What it actually costs you

Biometric authentication at the ration shop.

Common gotcha

Must link Aadhaar to the ration card to avoid deletion from the list.

state · Labour Department, Puducherry

Who qualifies

Mechanics and other unorganized workers aged 18-60 residing in Puducherry.

What you get

Financial assistance for marriage, maternity, education of children, and funeral expenses.

What it actually costs you

Small registration fee; requires Aadhaar, bank passbook, and employment certificate.

Common gotcha

You must renew your membership annually to remain eligible for benefits.

state · Labour Department

Who qualifies

Registered workers under the Labour Welfare Board who face workplace accidents.

What you get

Compensation for permanent disability or death occurring during work.

What it actually costs you

Police FIR copy and medical certificates required for claim.

Common gotcha

Claims must be filed within 30 days of the incident.

state · Electricity Department, Puducherry

Who qualifies

Low-income households with specific consumption limits.

What you get

Free electricity up to 100 units per month.

What it actually costs you

Must have a valid white ration card.

Common gotcha

If you exceed 100 units, you pay the full slab rate for the entire month.

state · Department of Women and Child Development

Who qualifies

Residents over 60 with low annual income.

What you get

Monthly pension amount directly to bank account.

What it actually costs you

Income certificate and residence proof required.

Common gotcha

The verification process for income certificates can take several weeks.

state · Department of Women and Child Development

Who qualifies

Low-income families for the marriage of their daughters.

What you get

Financial grant and gold coins for Thali.

What it actually costs you

Marriage invitation card and income proof.

Common gotcha

Application must be submitted at least 30 days before the wedding date.

state · Rajasthan Building and Other Construction Workers Welfare Board

Who qualifies

Registered construction workers with at least 90 days of work in the last year.

What you get

Financial assistance of up to ₹2,000 for purchasing professional tools.

What it actually costs you

Registration card, bank passbook, and proof of work; takes 2-3 months for disbursement.

Common gotcha

You must be registered as a construction worker, not just a general mechanic.

state · Rajasthan Building and Other Construction Workers Welfare Board

Who qualifies

Children of registered construction workers studying in schools or colleges.

What you get

Annual scholarship ranging from ₹8,000 to ₹25,000 depending on the course level.

What it actually costs you

Bonafide certificate from the school and parent's registration card.

Common gotcha

Applications must be submitted within the current academic year; late submissions are rejected.

state · Rajasthan Labour Department

Who qualifies

Registered unorganized sector workers.

What you get

One-time financial aid for marriage of daughters or maternity benefits.

What it actually costs you

Self-attested identity proof and bank details.

Common gotcha

The worker must have an active registration status at the time of the event.

state · Government of Rajasthan

Who qualifies

All families in Rajasthan, with free coverage for low-income groups.

What you get

Cashless medical treatment up to ₹25 lakh per family per year.

What it actually costs you

Aadhaar card and Jan Aadhaar card; no fee for eligible categories.

Common gotcha

It stacks with national schemes, but you must ensure your hospital is empanelled.

state · Social Justice and Empowerment Department

Who qualifies

Elderly, widowed, or disabled individuals meeting income criteria.

What you get

Monthly pension ranging from ₹1,000 to ₹1,500.

What it actually costs you

Income certificate and age proof; annual verification required.

Common gotcha

The annual physical verification (Jeevan Pramaan) is mandatory to avoid suspension.

state · Labour Department, Government of Sikkim

Who qualifies

Registered construction and shop-floor workers in Sikkim

What you get

Financial assistance for medical treatment, funeral expenses, and children's education scholarships

What it actually costs you

Small annual membership fee, requires employment certificate and Aadhaar

Common gotcha

You must renew your registration annually to remain eligible for the welfare benefits

state · Skill Development Department

Who qualifies

Local youth and mechanics looking to upgrade technical skills

What you get

Free advanced technical training and certification workshops

What it actually costs you

Zero cost, requires local Certificate of Identification (COI)

Common gotcha

Seats are limited and fill up quickly during the enrollment window

state · Commerce and Industries Department

Who qualifies

Small workshop owners registered as an MSME

What you get

Interest subvention on bank loans taken for equipment purchase

What it actually costs you

Requires Udyam registration and a valid project report

Common gotcha

The subsidy is credited directly to the loan account, not your personal bank account

state · Commerce and Industries Department

Who qualifies

Local entrepreneurs starting a new repair or service business

What you get

Seed money and margin money support for business setup

What it actually costs you

Detailed business plan and interview with the selection committee

Common gotcha

You must be a permanent resident of Sikkim to apply

state · Health and Family Welfare Department

Who qualifies

Permanent residents of Sikkim

What you get

Cashless medical treatment at empanelled hospitals within and outside the state

What it actually costs you

Requires Sikkim Subject Certificate or COI

Common gotcha

This stacks with national insurance but requires specific referral from state hospitals

state · Social Welfare Department

Who qualifies

Sikkim residents over 60 years of age

What you get

Monthly financial support for elderly family members

What it actually costs you

Age proof and residency certificate

Common gotcha

Must ensure your name is on the electoral roll for verification

state · Rural Development Department

Who qualifies

Low-income families needing house repairs

What you get

Financial grant for roofing and structural repairs

What it actually costs you

Application through the local Gram Panchayat

Common gotcha

The grant is released in installments based on construction progress

state · Labour Welfare and Skill Development Department

Who qualifies

Mechanics and workers in the informal sector aged 18-60.

What you get

Financial assistance for marriage, maternity, education, and funeral expenses.

What it actually costs you

Free registration; requires Aadhaar, bank passbook, and employment proof.

Common gotcha

You must renew your registration every 3 years to keep the benefits active.

state · Labour Welfare Board

Who qualifies

Registered members of the TN Manual Workers Welfare Board.

What you get

Up to ₹5,00,000 in case of accidental death or permanent disability.

What it actually costs you

Must have valid, active membership at the time of the accident.

Common gotcha

Claims must be filed within 6 months of the incident with a police FIR.

state · Labour Welfare Board

Who qualifies

Children of registered mechanics studying from 10th grade to professional degrees.

What you get

Annual scholarship ranging from ₹1,000 to ₹20,000 depending on the course.

What it actually costs you

Bonafide certificate from the school/college and parent's membership card.

Common gotcha

Applications are time-sensitive and must be submitted within the academic year.

state · Department of Health and Family Welfare

Who qualifies

Families with annual income below ₹1.2 lakhs.

What you get

Cashless treatment up to ₹5 lakhs per family per year in empanelled hospitals.

What it actually costs you

Income certificate and family card; no premium for eligible families.

Common gotcha

It is a top-up to national schemes; ensure your hospital is on the CMCHIS list, not just PMJAY.

state · Co-operation, Food and Consumer Protection Department

Who qualifies

All residents holding a valid ration card in Tamil Nadu.

What you get

Free rice and subsidized essential commodities like sugar and dal.

What it actually costs you

Smart Ration Card; must link Aadhaar to the card.

Common gotcha

If you move cities, you must update your address in the PDS portal to change your shop.

municipal · Local Municipal Corporations

Who qualifies

Open to all, primarily aimed at low-income workers.

What you get

Idli at ₹1, Sambar rice at ₹5, and Curd rice at ₹3.

What it actually costs you

Just the cost of the food; no ID required.

Common gotcha

Food is usually available only during specific breakfast and lunch hours.

state · Labour Department, Government of Tripura

Who qualifies

Mechanics working in construction-related machinery or site maintenance.

What you get

Financial assistance for medical treatment, education of children, and death benefits.

What it actually costs you

Registration fee of ₹20, requires employment certificate and Aadhaar.

Common gotcha

You must renew your membership annually to keep claiming benefits.

state · Social Welfare and Social Education Department

Who qualifies

Mechanics or their elderly family members meeting low-income criteria.

What you get

Monthly pension ranging from ₹1000 to ₹2000 depending on category.

What it actually costs you

Income certificate and residence proof required.

Common gotcha

Often delayed if the bank account is not linked to the DBT portal.

state · TSDM

Who qualifies

Mechanics looking to upgrade to EV or advanced diagnostic tools.

What you get

Free technical training and certification for automotive repair.

What it actually costs you

Time commitment of 3-6 months; no fee.

Common gotcha

Courses are batch-based; you must check the portal for current enrollment windows.

state · Tripura SC/ST/OBC Development Corporation

Who qualifies

Mechanics from reserved categories starting or expanding a workshop.

What you get

Low-interest loans for purchasing machinery and spare parts.

What it actually costs you

Project report of the workshop, caste certificate, and income proof.

Common gotcha

The subsidy component is only released after the purchase of equipment is verified.

state · Labour Department, Telangana

Who qualifies

Registered mechanics and unorganized workers with a valid labour card.

What you get

Financial assistance for funeral expenses, medical emergencies, and tool procurement.

What it actually costs you

Requires valid labour registration, Aadhaar, and bank passbook; processing takes 30-60 days.

Common gotcha

Many mechanics forget to renew their labour card annually, making them ineligible for claims.

state · Telangana State BC Cooperative Finance Corporation

Who qualifies

Mechanics from Backward Classes with annual income below ₹1.5 lakhs (rural) or ₹2 lakhs (urban).

What you get

Subsidy-linked bank loan for upgrading garage equipment or buying diagnostic tools.

What it actually costs you

Requires income certificate, caste certificate, and a project report for the garage.

Common gotcha

The application window is very short; keep checking the OBMMS portal frequently.

state · Telangana State Renewable Energy Development Corporation

Who qualifies

Small garage owners looking to set up EV battery swapping or charging points.

What you get

Capital subsidy for installing EV charging infrastructure at the workshop.

What it actually costs you

Requires trade license, electricity connection proof, and site inspection.

Common gotcha

Only specific certified equipment brands qualify for the subsidy.

state · Aarogyasri Health Care Trust

Who qualifies

Low-income families with a white ration card.

What you get

Cashless treatment up to ₹5 lakhs per family per year for major surgeries.

What it actually costs you

Requires white ration card and Aadhaar; no application fee.

Common gotcha

Only works in empanelled hospitals; always check the network list before admission.

state · Department of Revenue, Telangana

Who qualifies

Parents of unmarried girls (18+) from low-income families.

What you get

One-time financial assistance of ₹1,00,116 for marriage expenses.

What it actually costs you

Requires marriage certificate, wedding photo, and income certificate.

Common gotcha

Application must be submitted within a specific window after the wedding date.

municipal · Greater Hyderabad Municipal Corporation (GHMC)

Who qualifies

Residents of urban slums and low-income neighborhoods in Hyderabad.

What you get

Free primary healthcare, consultations, and basic diagnostic tests.

What it actually costs you

Zero cost; just walk in with an ID proof.

Common gotcha

These are primary clinics; they will refer you to a bigger hospital for major issues.

state · Labour Department, Uttarakhand

Who qualifies

Mechanics working in construction-related vehicle maintenance or infrastructure support.

What you get

Financial assistance for children's education, medical support, and death/disability benefits.

What it actually costs you

Small registration fee, requires Aadhaar, bank passbook, and proof of work.

Common gotcha

Many mechanics forget to renew their registration every year, leading to a lapse in benefits.

state · Skill Development Department

Who qualifies

Local mechanics looking to upgrade skills for electric vehicle (EV) maintenance.

What you get

Free advanced certification courses and toolkits for modern vehicle repair.

What it actually costs you

Time commitment for training sessions; no direct cost.

Common gotcha

Training centers are often in major hubs like Dehradun or Haldwani, making it hard for rural mechanics to attend.

state · Transport Department

Who qualifies

Mechanics operating workshops in notified hilly districts of Uttarakhand.

What you get

Rebate on commercial workshop license fees and electricity duty for garage equipment.

What it actually costs you

Requires local domicile certificate and proof of workshop location.

Common gotcha

The definition of 'hilly area' is strict; ensure your district is on the official list.

state · Transport Department

Who qualifies

Mechanics setting up EV charging or specialized repair stations.

What you get

Capital subsidy for setting up charging infrastructure and equipment.

What it actually costs you

Detailed business plan and safety clearance from local municipal body.

Common gotcha

The subsidy is often delayed; keep all original invoices and tax filings in order.

state · State Road Safety Council

Who qualifies

Garages participating in state-sponsored vehicle safety inspection drives.

What you get

Free safety gear and diagnostic equipment for workshops.

What it actually costs you

Participation in local safety workshops and compliance with state inspection standards.

Common gotcha

Only available during specific government-announced safety weeks.

state · Labour Department, UP

Who qualifies

Registered construction workers who have worked for at least 90 days in the last year.

What you get

A high-quality tool kit worth up to ₹12,000 for professional use.

What it actually costs you

Registration fee of ₹20 and annual renewal of ₹20; requires labour card and Aadhaar.

Common gotcha

The registration process for the labour card is often delayed; keep your work certificate from the contractor ready.

state · Department of Industries, UP

Who qualifies

Traditional artisans and mechanics aged 18+ who are residents of UP.

What you get

6-day free skill training and financial assistance for tool kits.

What it actually costs you

Online application via the portal; requires bank passbook and identity proof.

Common gotcha

Training batches fill up very fast; check the district DIC office regularly.

state · Labour Department, UP

Who qualifies

Registered construction and unorganized sector workers in UP.

What you get

Monthly maintenance allowance of ₹1,000 during periods of economic distress.

What it actually costs you

Direct Benefit Transfer (DBT) to registered bank account; no fees.

Common gotcha

Your mobile number must be linked to your Aadhaar and the labour department database.

state · Labour Department, UP

Who qualifies

Registered workers under the UP Labour Board.

What you get

Up to ₹5 lakh in case of accidental death or permanent disability.

What it actually costs you

Free for registered workers; requires FIR and death/disability certificate for claims.

Common gotcha

Claims must be filed within 90 days of the incident; don't delay the paperwork.

state · Department of Women and Child Development, UP

Who qualifies

Families in UP with an annual income below ₹3 lakh having a girl child.

What you get

Total assistance of ₹15,000 in six stages from birth to graduation.

What it actually costs you

Online application; requires birth certificate and income certificate.

Common gotcha

You must apply separately for each stage (birth, vaccination, school admission, etc.).

state · Labour Department, UP

Who qualifies

Registered labour card holders for the marriage of their daughters.

What you get

Financial grant of ₹55,000 for the marriage ceremony.

What it actually costs you

Application must be submitted 90 days before or after the marriage date.

Common gotcha

The marriage certificate is mandatory; ensure the marriage is registered legally.

state · Labour Department, UP

Who qualifies

Children of registered labour card holders who score well in board exams.

What you get

Scholarship ranging from ₹4,000 to ₹22,000 per year based on marks.

What it actually costs you

Requires mark sheets and school bonafide certificate.

Common gotcha

Apply within the academic year; late applications are strictly rejected.

state · Labour Department, Government of West Bengal

Who qualifies

Registered unorganised workers including mechanics aged 18-60.

What you get

Financial assistance for medical treatment and hospitalization.

What it actually costs you

Registration with the Labour Department; requires Aadhaar and bank details.

Common gotcha

You must keep your registration updated annually to claim benefits.

state · Government of West Bengal

Who qualifies

Daily wage earners facing extreme financial distress.

What you get

One-time financial grant of ₹1,000.

What it actually costs you

Self-declaration form; requires bank account linked to Aadhaar.

Common gotcha

Only one person per family can apply.

state · Labour Department

Who qualifies

All registered workers in West Bengal.

What you get

Single-window access to all state labour welfare schemes and grievance redressal.

What it actually costs you

Mobile number registration.

Common gotcha

The portal is the only way to track application status now.

state · Department of Health & Family Welfare

Who qualifies

All residents of West Bengal not covered by other government health insurance.

What you get

Basic health cover of ₹5 lakh per family per year.

What it actually costs you

Free registration; requires family member Aadhaar cards.

Common gotcha

Private hospitals sometimes refuse it; check the empanelled list on the portal first.

state · Department of Women Development and Social Welfare

Who qualifies

Unmarried girls aged 13-18 enrolled in schools/colleges.

What you get

Annual scholarship and one-time grant of ₹25,000 upon turning 18.

What it actually costs you

School/college certification and bank account.

Common gotcha

Must be unmarried at the time of the one-time grant application.

state · Food and Supplies Department

Who qualifies

Low-income families holding RKSY-I or RKSY-II cards.

What you get

Subsidized rice and wheat at ₹2/kg or lower.

What it actually costs you

Digital Ration Card application.

Common gotcha

Aadhaar seeding is mandatory for monthly collection.