Yash

state · Directorate of Shipping Services

Who qualifies

Permanent residents traveling between islands for work or medical needs.

What you get

Subsidized ferry tickets significantly lower than commercial rates.

What it actually costs you

Local residence proof and ID card; long queues at the ticket counter.

Common gotcha

Tickets for subsidized seats sell out very early in the morning.

state · Department of Civil Supplies

Who qualifies

Families holding an APL or BPL ration card in the islands.

What you get

Price stabilization on essential items like rice, oil, and pulses shipped from the mainland.

What it actually costs you

Ration card and Aadhaar linkage.

Common gotcha

Availability depends on ship arrivals from Chennai or Kolkata.

state · Electricity Department, A&N Administration

Who qualifies

Domestic consumers with low monthly usage.

What you get

Reduced tariff slabs compared to commercial users.

What it actually costs you

Consumer number and timely bill payment.

Common gotcha

Does not apply if you are renting a commercial space for a small shop.

state · Public Works Department (PWD)

Who qualifies

Households in Port Blair and surrounding municipal areas.

What you get

Subsidized water connection and lower monthly usage charges.

What it actually costs you

Application form and proof of property ownership or rental agreement.

Common gotcha

Water supply is strictly timed; you must have a storage tank.

state · Labour Department

Who qualifies

Workers engaged in construction or security services at construction sites.

What you get

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

What it actually costs you

Registration fee and proof of 90 days of work in the last year.

Common gotcha

You must renew your membership every year to claim benefits.

state · Directorate of Health Services

Who qualifies

Patients referred from island hospitals to mainland hospitals (Chennai/Kolkata).

What you get

Financial aid for travel and stay during treatment on the mainland.

What it actually costs you

Medical referral certificate from GB Pant Hospital.

Common gotcha

The process is slow; keep all original travel receipts.

state · Employment Exchange, Port Blair

Who qualifies

Local residents registered with the island employment exchange.

What you get

Priority in Group C and D government recruitment.

What it actually costs you

Registration at the local employment office.

Common gotcha

You must update your profile every 3 years to stay active.

state · Department of Tribal Welfare

Who qualifies

Students from recognized tribal communities in the islands.

What you get

Monthly stipend and book grants for schooling and college.

What it actually costs you

Tribal certificate issued by the Tehsildar.

Common gotcha

Must maintain minimum attendance to keep receiving the stipend.

state · Andhra Pradesh State Housing Corporation

Who qualifies

Low-income families without a permanent house in AP.

What you get

Subsidized housing units or financial assistance for construction.

What it actually costs you

Land ownership proof and income certificate; lengthy waiting lists.

Common gotcha

The scheme is often tied to specific housing colonies designated by the government.

state · Civil Supplies Department

Who qualifies

Families with annual income below the state-defined threshold.

What you get

Monthly subsidized rice and essential commodities via PDS shops.

What it actually costs you

Aadhaar seeding and biometric verification at the local ward secretariat.

Common gotcha

If your Aadhaar is not linked to your mobile number, you cannot track your ration status.

state · Labour Department

Who qualifies

Workers engaged in construction or related security work for at least 90 days.

What you get

Financial assistance for marriage, maternity, and funeral expenses.

What it actually costs you

Registration fee of ₹20 and annual renewal; proof of employment.

Common gotcha

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

state · Department of Rural Development

Who qualifies

Elderly, widows, and disabled persons meeting specific income criteria.

What you get

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

What it actually costs you

Application through the local Gram/Ward Sachivalayam.

Common gotcha

The pension is delivered directly to your home by a volunteer, but you must be present for biometric verification.

state · Dr. YSR Aarogyasri Health Care Trust

Who qualifies

Families with an annual income below ₹5 lakhs.

What you get

Cashless treatment for major surgeries and chronic illnesses in network hospitals.

What it actually costs you

Aarogyasri health card and referral from a primary health center.

Common gotcha

It only covers specific procedures; check if your hospital is empanelled before admission.

state · Department of School Education

Who qualifies

Mothers of children studying in classes 1 to 12 in government/aided schools.

What you get

Financial assistance of ₹15,000 per year for educational expenses.

What it actually costs you

85% attendance of the child and Aadhaar linking.

Common gotcha

If the child drops out or attendance is low, the benefit is stopped immediately.

state · Social Welfare Department

Who qualifies

Students from low-income families pursuing higher education.

What you get

Full fee reimbursement for college tuition.

What it actually costs you

Admission in a recognized college and income certificate.

Common gotcha

The money is credited directly to the mother's bank account, not the student's.

state · Department of Health and Family Welfare

Who qualifies

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

What you get

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

What it actually costs you

Requires a valid PRC (Permanent Resident Certificate) and family ration card.

Common gotcha

Many private hospitals in Itanagar have different empanelment status, check the list before admitting.

state · Labour Department

Who qualifies

Workers engaged in construction or security roles at construction sites for at least 90 days.

What you get

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

What it actually costs you

Annual membership fee of ₹20; requires employer certificate of work days.

Common gotcha

The 90-day work certificate is often delayed by contractors; keep your own attendance log.

state · Government of Arunachal Pradesh

Who qualifies

All indigenous residents of the state.

What you get

Secondary and tertiary care coverage for critical illnesses.

What it actually costs you

Enrollment through the district medical officer's office.

Common gotcha

It is often confused with the national Ayushman Bharat; this acts as a state-specific top-up.

state · Department of Finance

Who qualifies

Unemployed youth looking to start small businesses or micro-enterprises.

What you get

Credit-linked subsidy for setting up small ventures like shops or transport services.

What it actually costs you

Detailed project report and a bank loan sanction letter.

Common gotcha

The subsidy is back-ended, meaning you need to secure the bank loan first.

state · Arunachal Pradesh State Transport Corporation

Who qualifies

Low-income workers and senior citizens.

What you get

Discounted bus fares on long-distance state transport routes.

What it actually costs you

Requires a state-issued identity card or income certificate.

Common gotcha

Discounts are only valid on state-run buses, not private taxis or sumo services.

state · Department of Land Management

Who qualifies

Indigenous residents seeking to formalize land ownership.

What you get

Subsidized survey and land registration fees.

What it actually costs you

Application fee and local village headman (Gaon Burah) certification.

Common gotcha

The process is slow and requires multiple visits to the district revenue office.

state · Revenue and Disaster Management Department

Who qualifies

Residents with pending land mutation or land record corrections.

What you get

Digitized land records and streamlined mutation services.

What it actually costs you

Nominal processing fees; requires land documents and Aadhaar.

Common gotcha

Only works if your land title is already legally recognized.

state · Panchayat and Rural Development

Who qualifies

Low-income families not covered under national PMAY-G.

What you get

Financial assistance to construct a permanent house.

What it actually costs you

Zero application fee; requires BPL certificate and land ownership proof.

Common gotcha

High demand leads to long waiting lists for fund release.

state · Finance Department, Govt of Assam

Who qualifies

Low-income households with a female member as the primary beneficiary.

What you get

Monthly direct benefit transfer of ₹1,250.

What it actually costs you

Free registration; requires bank account and income certificate.

Common gotcha

Must ensure the bank account is linked to Aadhaar to avoid payment failure.

state · Atal Amrit Abhiyan Society

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

Free; requires the AAA card and identity proof.

Common gotcha

Only valid in empanelled hospitals; check the list before going.

state · State Health Agency

Who qualifies

Families not covered under PM-JAY but meeting state income criteria.

What you get

Health insurance coverage of ₹5 lakhs per family per year.

What it actually costs you

Free enrollment at designated health camps.

Common gotcha

This is a top-up/extension; ensure you aren't already covered by national schemes.

state · Social Welfare Department

Who qualifies

Senior citizens above 60 years of age.

What you get

Monthly pension amount to support elderly living.

What it actually costs you

Application through local Gaon Panchayat; requires age proof.

Common gotcha

Verification of age documents often takes several months.

state · Education Department, Government of Bihar

Who qualifies

Students who have passed 12th grade and are pursuing higher education.

What you get

Collateral-free loan up to ₹4 lakh for higher education.

What it actually costs you

Zero interest for students; requires Aadhaar, 12th mark sheet, and residence proof.

Common gotcha

The bank often delays processing if the college is not on the approved list.

state · Social Welfare Department

Who qualifies

Girl children born in Bihar families.

What you get

Financial assistance at various milestones from birth to graduation totaling ₹50,000.

What it actually costs you

Birth certificate and bank account in the girl's name.

Common gotcha

Must apply at each stage (birth, 1st grade, 10th grade, graduation) separately.

state · Labour Resources Department

Who qualifies

Children of registered construction workers.

What you get

Annual scholarship ranging from ₹2,000 to ₹15,000 depending on the level of study.

What it actually costs you

Must be a registered member of the BOCW board for at least one year.

Common gotcha

Registration must be active and renewed annually.

state · Bihar Building and Other Construction Workers Welfare Board

Who qualifies

Registered construction workers in Bihar.

What you get

Financial aid of up to ₹2 lakh in case of accidental death or permanent disability.

What it actually costs you

Valid registration card and medical certificates.

Common gotcha

The claim must be filed within 6 months of the incident.

state · Education Department

Who qualifies

Girl students studying in 9th grade in government schools.

What you get

₹3,000 to purchase a bicycle to travel to school.

What it actually costs you

Bank account and school enrollment proof.

Common gotcha

Attendance must be at least 75% in school.

state · Department of Food and Consumer Protection

Who qualifies

Families not covered under national NFSA but identified as poor by state criteria.

What you get

Monthly ration of food grains at subsidized rates.

What it actually costs you

Residence proof and income certificate.

Common gotcha

Often confused with the central PDS; check your ration card color.

state · Labour Department, Government of Chhattisgarh

Who qualifies

Registered construction workers, including those working in site security.

What you get

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

What it actually costs you

Annual membership renewal fee of ₹20; requires labour card and Aadhaar.

Common gotcha

You must renew the registration every year to keep receiving benefits.

state · Labour Department

Who qualifies

Any worker not covered by ESI or PF, including private security guards.

What you get

Access to state-specific accident insurance and skill development training.

What it actually costs you

Free registration at the local Jan Seva Kendra.

Common gotcha

Many guards assume they are automatically registered; you must manually apply for the state portal ID.

state · Health Department

Who qualifies

Families with annual income below the threshold who need treatment for serious illnesses.

What you get

Financial assistance up to ₹20 lakhs for critical medical procedures.

What it actually costs you

Requires a medical referral from a government hospital and income certificate.

Common gotcha

This is for serious, life-threatening conditions not covered by general insurance.

state · Labour Department

Who qualifies

Registered construction and unorganized workers.

What you get

Subsidized meals at designated centers for workers.

What it actually costs you

Costs ₹5 per meal; requires showing your labour card.

Common gotcha

Only available at specific urban centers, not everywhere in the state.

state · Urban Administration Department

Who qualifies

Low-income families in urban areas who do not own a pucca house.

What you get

Subsidy for house construction or purchase of affordable housing units.

What it actually costs you

Requires land ownership documents and income proof; long waiting list.

Common gotcha

It is often confused with the central PMAY; this is the state-specific top-up/alternative.

state · Chhattisgarh State Power Distribution Company

Who qualifies

Domestic consumers with consumption up to 400 units.

What you get

50% reduction in the electricity bill amount.

What it actually costs you

Automatic application for eligible domestic meters.

Common gotcha

If you exceed 400 units in a month, the discount does not apply to the whole bill.

state · Food and Civil Supplies Department

Who qualifies

Antyodaya and Priority Household card holders.

What you get

Additional pulses and salt at highly subsidized rates compared to national norms.

What it actually costs you

Requires a valid Ration Card.

Common gotcha

Biometric authentication at the shop is mandatory; carry your Aadhaar.

state · Chandigarh Housing Board

Who qualifies

Migrant workers and urban poor living in Chandigarh.

What you get

Subsidized rental accommodation in designated city sectors.

What it actually costs you

Monthly rent based on income; requires proof of employment in Chandigarh.

Common gotcha

High demand means long waiting lists; keep your employment certificate updated.

state · Electricity Department, Chandigarh Administration

Who qualifies

Domestic consumers with low connected load.

What you get

Reduced tariff rates for the first 100-150 units consumed.

What it actually costs you

Automatic if your load is under 2kW; no separate application needed.

Common gotcha

Only applies to domestic meters, not commercial or shared connections.

municipal · Municipal Corporation Chandigarh

Who qualifies

Residents of EWS (Economically Weaker Section) housing colonies.

What you get

Free or highly discounted water allowance up to a certain kiloliter limit.

What it actually costs you

Must have a valid water connection registered in your name.

Common gotcha

Exceeding the monthly limit leads to a sharp spike in billing.

state · Government Medical College and Hospital (GMCH)

Who qualifies

All residents of Chandigarh with a valid residence proof.

What you get

Free OPD consultation and subsidized diagnostic tests.

What it actually costs you

Small registration fee of ₹10; long queues are standard.

Common gotcha

You must carry your Aadhaar card and local residence proof every time.

state · Labour Department, Chandigarh

Who qualifies

Registered construction workers and security staff in related sectors.

What you get

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

What it actually costs you

Annual registration fee of ₹25; requires 90 days of work proof.

Common gotcha

Renewal must be done every year to keep benefits active.

state · Social Welfare Department

Who qualifies

Low-income working mothers in Chandigarh.

What you get

Daycare facilities for children at nominal rates.

What it actually costs you

Monthly fee based on income; proof of employment required.

Common gotcha

Limited seats; priority given to those with lower income certificates.

state · Delhi Transport Corporation

Who qualifies

All women residing in Delhi traveling in DTC and cluster buses.

What you get

Zero cost, just show your ID proof to the conductor.

Common gotcha

You must carry an original government ID like Aadhaar or Voter ID to prove Delhi residency.

state · Delhi Electricity Regulatory Commission

Who qualifies

Domestic consumers with monthly consumption up to 200 units.

What you get

No application fee, automatic adjustment in the bill.

Common gotcha

You must opt-in via the electricity board portal or SMS to continue receiving the subsidy.

state · Delhi Jal Board

Who qualifies

Households with a metered water connection consuming up to 20,000 liters per month.

What you get

Requires a functional water meter installed by DJB.

Common gotcha

If you cross the 20,000-liter limit, you pay for the entire consumption, not just the excess.

state · Government of Delhi

Who qualifies

Any person who meets with an accident within the National Capital Territory of Delhi.

What you get

Government covers all expenses including surgery and medicines.

Common gotcha

The scheme only covers the initial emergency phase, not long-term rehabilitation.

state · Labour Department, Delhi

Who qualifies

Workers engaged in construction activities for at least 90 days in a year.

What you get

Requires registration fee and annual renewal.

Common gotcha

You need a certificate from your employer verifying the 90 days of work.

state · Delhi Health Department

Who qualifies

Any resident of Delhi.

What you get

No fee, walk-in service.

Common gotcha

They are often crowded in the mornings; arrive early to avoid long queues.

state · Department of Labour and Employment

Who qualifies

Registered workers in factories and industrial units in the UT.

What you get

Financial assistance for medical emergencies, funeral expenses, and marriage grants.

What it actually costs you

Registration with the Labour Office, proof of employment, and 15-30 days processing.

Common gotcha

Many guards don't realize they must be registered by their employer to claim these benefits.

state · Directorate of Industries

Who qualifies

Security personnel and industrial staff working in Daman/Diu zones.

What you get

Free certification for fire safety and industrial security protocols.

What it actually costs you

Aadhar card and employer recommendation letter.

Common gotcha

These are often held on weekends and require prior sign-up at the local industrial estate office.

state · Urban Development Department

Who qualifies

Low-income residents living in the UT for over 5 years.

What you get

Subsidy for home repairs or construction of basic sanitation facilities.

What it actually costs you

Domicile certificate and land ownership documents.

Common gotcha

The domicile requirement is strictly verified; rent agreements don't count as proof of residency.

municipal · Daman Municipal Council

Who qualifies

BPL card holders and low-income households in municipal limits.

What you get

Reduced connection charges for tap water supply.

What it actually costs you

Application form and electricity bill as address proof.

Common gotcha

Only applicable for legal structures; slum dwellings often face rejection.

state · Department of Education

Who qualifies

Children of registered industrial workers studying in local schools.

What you get

Annual cash incentive ranging from ₹2,000 to ₹5,000 based on class.

What it actually costs you

School bonafide certificate and parent's labour registration card.

Common gotcha

Applications usually open in July; missing the window means waiting an entire year.

state · Directorate of Medical and Health Services

Who qualifies

Residents already covered under national health schemes.

What you get

Additional coverage for diagnostic tests not covered by national schemes.

What it actually costs you

Health card and referral from a government hospital.

Common gotcha

Must be used at designated government-empanelled diagnostic centers only.

state · Directorate of Social Welfare

Who qualifies

Senior citizens, widows, and persons with disabilities residing in Goa for 15+ years.

What you get

Monthly financial assistance ranging from ₹2,000 to ₹3,500.

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 old ration cards or utility bills handy.

state · Directorate of Women and Child Development

Who qualifies

Girls born in Goa or residents for 15+ years at the time of marriage.

What you get

A one-time financial assistance of ₹1,00,000 for marriage expenses.

What it actually costs you

Application must be submitted within 6 months of marriage; requires birth and residence certificates.

Common gotcha

The application window is tight; don't delay filing after the wedding date.

state · Directorate of Women and Child Development

Who qualifies

Housewives with family income below a certain threshold.

What you get

Monthly financial support of ₹1,500 to assist with household expenses.

What it actually costs you

Income certificate and bank account details; annual renewal required.

Common gotcha

You must update your income certificate every year to continue receiving payments.

state · Goa Health Services

Who qualifies

All residents of Goa holding a valid residence certificate.

What you get

Cashless medical insurance coverage up to ₹4 lakhs for family of 4.

What it actually costs you

Annual premium payment (nominal) and registration at designated centers.

Common gotcha

This stacks with national schemes, but you must register at the specific DSSY counters.

state · Directorate of Health Services

Who qualifies

Patients requiring specialized treatment not available in government hospitals.

What you get

Reimbursement of medical expenses incurred in private hospitals.

What it actually costs you

Detailed medical bills, discharge summary, and referral from a government doctor.

Common gotcha

Requires a prior referral from a government hospital doctor to be eligible for reimbursement.

state · Gujarat Labour Welfare Board

Who qualifies

Children of registered workers contributing to the Labour Welfare Fund.

What you get

Annual financial aid ranging from ₹1,000 to ₹10,000 for school and college fees.

What it actually costs you

Copy of labour welfare fund receipt and school bonafide certificate.

Common gotcha

You must ensure your employer is actually deducting the welfare fund contribution from your salary.

state · Gujarat Building and Other Construction Workers Welfare Board

Who qualifies

Registered construction and industrial workers holding a Shramik card.

What you get

Nutritious lunch at a highly subsidized rate of ₹5 per meal.

What it actually costs you

Shramik card and a daily token.

Common gotcha

Only available at designated 'Shramik Annapurna' centers near major industrial estates.

state · Gujarat Labour Department

Who qualifies

Registered workers in hazardous or security-related roles.

What you get

Free or heavily discounted safety gear including boots, jackets, and torches.

What it actually costs you

Application through the local labour office with ID proof.

Common gotcha

Stock is limited and often distributed in batches through local unions.

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 BPL/Antyodaya card or income proof.

Common gotcha

This stacks with national Ayushman Bharat, but you must register specifically for the MA card.

state · Gujarat Housing Board

Who qualifies

Low-income group (LIG) residents of Gujarat.

What you get

Subsidized housing units in major cities.

What it actually costs you

Registration fee and lottery-based selection process.

Common gotcha

The lottery system is highly competitive; keep an eye on newspaper advertisements.

state · GSRTC

Who qualifies

Daily commuters and low-wage workers.

What you get

Discounted monthly bus passes for travel within the state.

What it actually costs you

Passport size photo and proof of employment.

Common gotcha

Passes are only valid for specific routes; check your route before applying.

state · Labour and Employment Department

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, and medical emergencies.

What it actually costs you

Annual membership renewal fee; requires labour card and bank passbook.

Common gotcha

You must renew your registration every year to keep receiving benefits.

state · Department of Social Justice and Empowerment

Who qualifies

Daughters of BPL families in Himachal Pradesh at the time of marriage.

What you get

One-time financial grant of ₹31,000.

What it actually costs you

Application within 6 months of marriage; requires BPL certificate and marriage proof.

Common gotcha

The application must be submitted through the local Panchayat or SDM office.

state · Government of Himachal Pradesh

Who qualifies

Any resident of Himachal Pradesh facing issues with government services.

What you get

Direct grievance redressal mechanism for public service complaints.

What it actually costs you

Free call to 1100; keep your Aadhaar details ready.

Common gotcha

This is for service complaints, not for applying for new benefits.

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) and registration process.

Common gotcha

You must register during the specific enrollment window announced by the government.

state · Rural Development Department

Who qualifies

Homeless families or those living in kutcha houses who are not covered by PMAY.

What you get

Financial assistance for house construction or renovation.

What it actually costs you

Requires land ownership proof and BPL/low-income status verification.

Common gotcha

Priority is given to those who have never received housing aid before.

state · Food, Civil Supplies and Consumer Affairs

Who qualifies

Families without an LPG connection who are not covered by the central Ujjwala scheme.

What you get

Free LPG connection including stove and cylinder.

What it actually costs you

Application at the local food and supplies office.

Common gotcha

Only one connection per household is allowed.

state · Himachal Road Transport Corporation (HRTC)

Who qualifies

All women traveling within the state of Himachal Pradesh.

What you get

50% concession on bus fares.

What it actually costs you

No application; show ID proof if asked by the conductor.

Common gotcha

Only applicable on HRTC buses, not private operators.

state · Labour Department, Haryana

Who qualifies

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

What you get

Up to ₹21,000 for marriage assistance per daughter.

What it actually costs you

Registration fee of ₹20, Aadhar card, and Labour card required.

Common gotcha

You must renew your registration annually to keep receiving benefits.

state · Department of Social Justice and Empowerment

Who qualifies

Elderly, widows, and disabled persons meeting income criteria.

What you get

Monthly pension of ₹3,000.

What it actually costs you

Family ID (Parivar Pehchan Patra) is mandatory.

Common gotcha

Income verification is strictly linked to your family's total income in the PPP portal.

state · Government of Haryana

Who qualifies

All residents of Haryana.

What you get

Single digital ID for all state government schemes and subsidies.

What it actually costs you

Zero cost, but requires Aadhaar and mobile number verification.

Common gotcha

If your income is incorrectly recorded here, you will be blocked from all other welfare schemes.

state · Haryana Building and Other Construction Workers Welfare Board

Who qualifies

Children of registered workers studying from class 1 to graduation.

What you get

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

What it actually costs you

School/College bonafide certificate and fee receipts.

Common gotcha

The application must be submitted within the academic year; late entries are rejected.

state · Haryana State Health Agency

Who qualifies

Families with annual income below ₹1.80 lakh as per PPP data.

What you get

Additional coverage for medical treatments not fully covered by the national scheme.

What it actually costs you

Must have the Chirayu Haryana card.

Common gotcha

This stacks with the central Ayushman Bharat card; don't apply for a new one if you have the old one.

state · Haryana Housing Board

Who qualifies

EWS and LIG categories residing in Haryana for 5+ years.

What you get

Interest subsidy on home loans for affordable housing projects.

What it actually costs you

Domicile certificate and income proof.

Common gotcha

Only applicable to specific approved housing projects in the state.

state · Department of Rural Development, Jharkhand

Who qualifies

Homeless families or those living in kutcha houses who did not receive PMAY-G benefits.

What you get

Financial assistance of ₹2 lakh for construction of a 3-room pucca house.

What it actually costs you

Zero cost; requires land ownership proof and Aadhaar verification.

Common gotcha

Often confused with the central PMAY; this is a state-specific top-up/alternative for those left out of central lists.

state · Department of Food, Public Distribution and Consumer Affairs

Who qualifies

Families not covered under NFSA (National Food Security Act) who are economically vulnerable.

What you get

5 kg of food grains per person per month at highly subsidized rates.

What it actually costs you

Free application; requires income certificate and residence proof.

Common gotcha

Many assume they are ineligible because they don't have a BPL card; the Green Card is specifically for those excluded from central lists.

state · Jharkhand Building & Other Construction Workers Welfare Board

Who qualifies

Workers engaged in construction work for at least 90 days in the last year.

What you get

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

What it actually costs you

Registration fee of ₹20; requires employer certificate of work days.

Common gotcha

Security guards working at construction sites often qualify but fail to register because they think it's only for masons.

state · Department of Labour, Employment, Training and Skill Development

Who qualifies

Registered laborers under the Welfare Board.

What you get

A free bicycle to help with commuting to work sites.

What it actually costs you

Must be an active registered member for at least one year.

Common gotcha

Distribution is periodic and depends on local labor office stock; check with your local labor inspector.

state · State Health Agency J&K

Who qualifies

All residents of J&K regardless of income level.

What you get

Cashless health insurance cover of ₹5 lakh per family per year.

What it actually costs you

Free; requires Golden Card and Aadhaar.

Common gotcha

Private hospitals often claim they are full; always check the empanelled list on the portal first.

state · J&K Building and Other Construction Workers Welfare Board

Who qualifies

Registered construction workers with active membership.

What you get

Annual scholarship for children ranging from ₹3,000 to ₹15,000 depending on the class.

What it actually costs you

Requires valid registration certificate and school bonafide certificate.

Common gotcha

Membership must be renewed annually to claim benefits.

state · Social Welfare Department

Who qualifies

Registered female construction workers or their daughters.

What you get

One-time financial assistance of ₹50,000.

What it actually costs you

Marriage certificate and proof of registration required.

Common gotcha

Application must be submitted within 6 months of the marriage date.

state · Labour and Employment Department

Who qualifies

All security guards working in private establishments in J&K.

What you get

Legally mandated minimum daily wage rates updated by the state government.

What it actually costs you

None; it is your right to demand this from your employer.

Common gotcha

Many private agencies pay below the notified rate; keep a record of your attendance.

state · Labour Department

Who qualifies

Employees working in shops and commercial establishments.

What you get

Fixed working hours, mandatory weekly off, and overtime pay.

What it actually costs you

None; the employer is responsible for registration.

Common gotcha

Security guards are often denied overtime; check your appointment letter against this Act.

state · Karnataka State Road Transport Corporation

Who qualifies

All women domiciled in Karnataka.

What you get

Free travel in ordinary and express state-run buses across the state.

What it actually costs you

Requires a Shakti Smart Card; free to apply.

Common gotcha

Does not apply to luxury or AC buses; keep your ID proof handy.

state · Department of Food and Civil Supplies

Who qualifies

BPL and Antyodaya cardholders.

What you get

Direct cash transfer in lieu of additional 5kg rice per person.

What it actually costs you

Must have an active Ration Card linked to a bank account via DBT.

Common gotcha

The cash transfer is often delayed; check your bank statement regularly.

state · BESCOM / State Electricity Department

Who qualifies

Residential electricity consumers in Karnataka.

What you get

Free electricity up to 200 units per month.

What it actually costs you

Zero cost; requires Aadhaar linking to the electricity meter number.

Common gotcha

If you exceed 200 units, you pay the full bill, not just the excess.

state · Labour Department

Who qualifies

Workers engaged in construction activities for at least 90 days in a year.

What you get

Educational scholarships for children, medical assistance, and maternity benefits.

What it actually costs you

Annual registration fee of ₹25; requires employer certificate.

Common gotcha

Renewal must be done annually to remain eligible for benefits.

state · Labour Department

Who qualifies

All unorganised sector workers in Karnataka.

What you get

Access to state-specific social security and emergency relief funds.

What it actually costs you

Free registration; requires Aadhaar and bank details.

Common gotcha

This is a state-specific database separate from the national e-Shram portal.

state · Labour Department

Who qualifies

Registered private security guards working in Kerala.

What you get

Pension, marriage assistance, maternity benefits, and medical aid.

What it actually costs you

Small monthly contribution; requires Aadhaar, employment proof, and bank passbook.

Common gotcha

You must renew your registration annually to remain eligible for claims.

state · Kerala Agricultural Workers Welfare Fund Board

Who qualifies

Workers engaged in agricultural operations in Kerala.

What you get

Monthly pension after age 60 and death/disability benefits.

What it actually costs you

Nominal monthly subscription; requires local village officer certificate.

Common gotcha

Many guards have dual-income backgrounds; ensure you aren't already claiming a similar pension elsewhere.

state · Labour Welfare Fund Board

Who qualifies

Employees in private establishments registered under the Shops and Commercial Establishments Act.

What you get

Scholarships for children, financial aid for medical treatment, and funeral expenses.

What it actually costs you

Employer-employee contribution; requires salary slip.

Common gotcha

Often overlooked; check if your employer is deducting this from your salary.

state · State Health Agency Kerala

Who qualifies

Low-income families in Kerala not covered by central schemes.

What you get

Additional secondary and tertiary care coverage up to ₹5 lakhs per family.

What it actually costs you

Free; requires ration card and Aadhaar.

Common gotcha

This stacks with central Ayushman Bharat; ensure your hospital is empanelled for both.

state · KSMSC

Who qualifies

Any patient visiting government hospitals in Kerala.

What you get

Life-saving medicines at 30% to 90% discount compared to private shops.

What it actually costs you

Doctor's prescription from a government hospital.

Common gotcha

Stock can be limited; check the pharmacy inside the hospital premises first.

state · Kerala State Road Transport Corporation

Who qualifies

Low-income workers and daily commuters.

What you get

Significant reduction in daily bus fare for work travel.

What it actually costs you

Application form, passport photo, and employer certificate.

Common gotcha

The pass is only valid on specific routes; check your route before applying.

state · Kerala State Civil Supplies Corporation

Who qualifies

All ration card holders in Kerala.

What you get

Subsidized essential groceries and vegetables at Maveli Stores.

What it actually costs you

Ration card; no extra fee.

Common gotcha

Items like sugar and oil sell out early in the month; visit early.

state · UT Administration of Ladakh

Who qualifies

Permanent residents of Ladakh living in high-altitude zones during winter.

What you get

Direct cash transfer or subsidy on heating fuel/electricity bills during peak winter months.

What it actually costs you

Requires Domicile/Resident Certificate and electricity consumer number.

Common gotcha

The subsidy is often adjusted based on the specific sub-district temperature zone.

state · Ladakh Renewable Energy Development Agency (LREDA)

Who qualifies

Households in remote areas not fully connected to the main grid.

What you get

Subsidized solar panels and battery storage units for home lighting.

What it actually costs you

Small beneficiary contribution; requires proof of residence.

Common gotcha

Installation is seasonal and depends on road accessibility to your village.

state · Department of Food, Civil Supplies and Consumer Affairs

Who qualifies

All registered households in Leh and Kargil districts.

What you get

Access to subsidized kerosene and LPG stocks specifically for winter storage.

What it actually costs you

Ration card and identity proof.

Common gotcha

Must be collected before the Zoji-La pass closes for the season.

state · Power Development Department Ladakh

Who qualifies

Domestic electricity consumers in Ladakh.

What you get

Reduced electricity rates during the winter months (November to March).

What it actually costs you

Automatic application for metered connections.

Common gotcha

Does not apply to commercial connections, only residential.

state · Ladakh Labour Department

Who qualifies

Registered construction workers and daily wage laborers in Ladakh.

What you get

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

What it actually costs you

Registration fee of ₹25; requires 90 days of work proof.

Common gotcha

You must renew your membership annually to keep receiving benefits.

state · Office of the Deputy Commissioner, Leh

Who qualifies

Individuals meeting the domicile criteria for the Union Territory of Ladakh.

What you get

Legal status to apply for state government jobs and local scholarships.

What it actually costs you

Application fee of ₹50; requires land records or grandfather's residence proof.

Common gotcha

The process is strictly verified; keep original land documents ready.

state · Ladakh Transport Department

Who qualifies

Residents traveling between Leh and Kargil for medical or official purposes.

What you get

Discounted bus tickets on state-run transport buses.

What it actually costs you

Identity proof required at the ticket counter.

Common gotcha

Limited seats; booking must be done at the bus stand in advance.

state · Department of Health and Medical Education, Ladakh

Who qualifies

Patients referred from Leh/Kargil hospitals to specialized hospitals outside the UT.

What you get

Lump sum grant to cover travel costs for patient and one attendant.

What it actually costs you

Referral slip from the Chief Medical Officer (CMO).

Common gotcha

Must apply before traveling; retrospective claims are rarely accepted.

state · Lakshadweep Administration

Who qualifies

Permanent residents of Lakshadweep islands

What you get

Subsidized travel fares for inter-island and mainland-island ship travel

What it actually costs you

Requires resident ID proof; booking via local ticket counters

Common gotcha

Seats are limited and often booked out weeks in advance during peak tourist season

state · Department of Civil Supplies

Who qualifies

All registered ration card holders in the UT

What you get

Subsidized rates on rice, sugar, and kerosene delivered to remote islands

What it actually costs you

Valid Ration Card and Aadhaar linkage

Common gotcha

Supply depends heavily on weather conditions affecting ship schedules

state · Lakshadweep Electricity Department

Who qualifies

Domestic consumers on all islands

What you get

Lower electricity rates compared to mainland commercial tariffs

What it actually costs you

Electricity bill payment at local sub-divisions

Common gotcha

Usage limits apply for the lowest slab

state · Department of Fisheries

Who qualifies

Registered local fishermen

What you get

Financial assistance during the monsoon lean period

What it actually costs you

Registration with the local fisheries office

Common gotcha

Must renew registration annually to stay eligible

state · Department of Health Services

Who qualifies

Patients requiring emergency care not available on the island

What you get

Free air or ship ambulance transfer to Kochi for advanced treatment

What it actually costs you

Medical referral from the local island hospital

Common gotcha

Requires immediate coordination with the district medical officer

state · Department of Education

Who qualifies

Students from Lakshadweep studying in mainland colleges

What you get

Monthly stipend for living expenses and books

What it actually costs you

Proof of enrollment and domicile certificate

Common gotcha

Disbursements can be delayed due to administrative processing

state · District Rural Development Agency

Who qualifies

Low-income families needing home repairs

What you get

One-time financial grant for roof or structural repairs

What it actually costs you

Application through the local Panchayat office

Common gotcha

Funds are released in installments based on construction progress

state · Department of Labour, Government of Maharashtra

Who qualifies

Unprotected workers including security guards in specific industrial sectors.

What you get

Social security benefits, medical assistance, and educational scholarships for children.

What it actually costs you

Registration with the local board; requires employment proof and Aadhaar.

Common gotcha

Many guards assume they are covered automatically, but you must register with your specific district board.

state · State Health Assurance Society

Who qualifies

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

What you get

Cashless treatment for critical illnesses up to ₹1.5 lakh per family per year.

What it actually costs you

Zero cost; requires ration card and income certificate.

Common gotcha

Needs to be linked with your Aadhaar at the hospital help desk before admission.

state · Labour Department

Who qualifies

Workers engaged in construction-related security or site maintenance for 90 days.

What you get

Financial aid for marriage, funeral expenses, and maternity benefits.

What it actually costs you

Small annual membership fee; requires 90-day work certificate from employer.

Common gotcha

The 90-day certificate must be signed by the contractor or site engineer.

municipal · Brihanmumbai Electric Supply and Transport Undertaking

Who qualifies

Daily commuters residing in Mumbai.

What you get

Unlimited travel on ordinary buses at a subsidized monthly rate.

What it actually costs you

Passport photo, address proof, and nominal card fee.

Common gotcha

Passes are valid only for specific routes or zones; check your zone before buying.

municipal · Pune Mahanagar Parivahan Mahamandal Ltd

Who qualifies

Residents of Pune and Pimpri-Chinchwad.

What you get

Reduced daily or monthly travel costs for bus commuters.

What it actually costs you

ID proof and application at PMPML pass centers.

Common gotcha

Renewal must be done before the 5th of every month to avoid queues.

state · Department of Health & Family Welfare

Who qualifies

All residents of Meghalaya not covered by other government insurance.

What you get

₹5 lakh per family annually for secondary and tertiary care.

What it actually costs you

Registration at designated kiosks with Aadhaar; minimal co-payment for some procedures.

Common gotcha

You must ensure your name is correctly listed in the household survey data to avoid delays.

state · Office of the Chief Minister

Who qualifies

Residents facing extreme medical emergencies or natural disasters.

What you get

One-time financial assistance for critical medical treatment.

What it actually costs you

Medical reports, income certificate, and a letter of application to the CM office.

Common gotcha

It is a discretionary fund, so processing time varies significantly based on urgency.

state · Labour Department

Who qualifies

Workers engaged in construction or related security work for at least 90 days in a year.

What you get

Education scholarships for children, maternity benefits, and death/disability compensation.

What it actually costs you

Registration fee of ₹20 and annual renewal; proof of employment required.

Common gotcha

Many security guards working at construction sites forget to register as 'construction workers'.

municipal · Shillong Municipal Board

Who qualifies

Low-income residents living within the municipal limits of Shillong.

What you get

Small grants for house repairs or emergency household needs.

What it actually costs you

Application through the local ward office with residential proof.

Common gotcha

Funds are limited and distributed on a first-come, first-served basis per ward.

state · Department of Labour, Manipur

Who qualifies

Workers engaged in construction or security duties at construction sites for at least 90 days a year.

What you get

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

What it actually costs you

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

Common gotcha

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

state · Labour Department, Manipur

Who qualifies

Any resident worker in Manipur earning below the taxable limit.

What you get

Access to state-specific employment exchanges and priority in government-sponsored vocational training.

What it actually costs you

Free registration; requires local residential proof and identity documents.

Common gotcha

Often confused with the Employment Exchange registration; this is specifically for welfare tracking.

state · State Health Agency, Manipur

Who qualifies

Low-income families in Manipur who are not covered by the national Ayushman Bharat scheme.

What you get

Cashless health cover up to ₹2 lakh per family per year for secondary and tertiary care.

What it actually costs you

Registration at designated government hospitals; requires ration card and income certificate.

Common gotcha

It is a top-up; if you already have Ayushman Bharat, you cannot claim this, but it covers those left out.

state · Department of Health and Family Welfare

Who qualifies

Patients suffering from life-threatening diseases who are BPL or low-income.

What you get

One-time financial grant for treatment in government hospitals.

What it actually costs you

Requires medical certificate from a government doctor and income proof.

Common gotcha

The grant is only for major surgeries or chronic illness treatment, not routine checkups.

state · Department of Social Welfare

Who qualifies

Senior citizens (60+) residing in Manipur who do not have a steady pension.

What you get

Monthly cash assistance transferred directly to the bank account.

What it actually costs you

Requires age proof and residency certificate; application through local SDO office.

Common gotcha

The waiting list is long; you must follow up with the local social welfare officer.

state · Minority Affairs Department

Who qualifies

Students from minority communities in Manipur studying in state-recognized schools.

What you get

Annual stipend for school fees and books.

What it actually costs you

Requires income certificate and school bonafide certificate.

Common gotcha

Deadlines are strict and often fall in the middle of the academic term.

state · Labour Department, MP

Who qualifies

Registered unorganized workers and their families.

What you get

Financial assistance for funeral, ex-gratia for accidental death or disability, and education support.

What it actually costs you

Free registration; requires Samagra ID and Aadhaar.

Common gotcha

The portal often shows 'inactive' status if e-KYC is not updated regularly.

state · Labour Department, MP

Who qualifies

Construction workers registered with the board.

What you get

Maternity benefits, marriage assistance for daughters, and cycle/tool kits.

What it actually costs you

Requires active registration and proof of 90 days of work in the last year.

Common gotcha

You must renew your membership annually to keep receiving benefits.

state · Panchayat and Rural Development Department

Who qualifies

Low-income families not covered under PMAY.

What you get

Financial grant for building a permanent house.

What it actually costs you

Application through Gram Panchayat or Municipal office; land ownership proof required.

Common gotcha

Priority is given to those who have never received housing aid before.

state · Higher Education Department, MP

Who qualifies

Students scoring 70% in MP Board or 85% in CBSE/ICSE in 12th grade.

What you get

Full tuition fee coverage for undergraduate courses.

What it actually costs you

Income certificate of parents (below 6 lakhs/year) and admission proof.

Common gotcha

Only covers government-approved colleges and specific courses.

state · Higher Education Department, MP

Who qualifies

Girls passing 12th grade from rural schools in MP.

What you get

Monthly scholarship of ₹500 for 10 months during undergraduate studies.

What it actually costs you

Requires domicile certificate and school leaving certificate.

Common gotcha

Must apply every year of the degree, not just once.

state · Department of Health and Family Welfare

Who qualifies

All permanent residents of Mizoram who are not covered under 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 registration fee of ₹500; requires MSHCS smart card and Aadhaar.

Common gotcha

You must renew your registration annually; if you miss the window, you cannot claim benefits for that year.

state · Chief Minister's Office

Who qualifies

Low-income residents facing medical emergencies or natural calamities.

What you get

One-time financial assistance for critical medical procedures not covered by insurance.

What it actually costs you

Requires medical reports, income certificate, and a formal application to the CM's office.

Common gotcha

The process is manual and requires significant documentation; it is not an automatic entitlement.

state · Labour, Employment, Skill Development & Entrepreneurship Department

Who qualifies

Workers engaged in construction work for at least 90 days in the last year.

What you get

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

What it actually costs you

Registration fee of ₹20 and annual subscription of ₹120.

Common gotcha

Many security guards working on construction sites forget to register; you must keep your contribution receipts safe.

state · Transport Department

Who qualifies

Low-income residents and specific categories of workers.

What you get

Discounted bus fares on state-run transport services.

What it actually costs you

Requires a valid identity card issued by the Transport Department.

Common gotcha

Concessions are often only applicable on specific routes or during off-peak hours.

state · Food, Civil Supplies and Consumer Affairs Department

Who qualifies

Families holding Antyodaya Anna Yojana (AAY) or PHH ration cards in Mizoram.

What you get

Additional monthly rations of essential pulses and oil at subsidized state rates.

What it actually costs you

Requires your existing ration card and biometric verification at the fair price shop.

Common gotcha

Stock availability varies by district; check with your local dealer before travelling.

state · Department of Labour and Employment

Who qualifies

Workers engaged in construction activities for at least 90 days in the last year.

What you get

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

What it actually costs you

Small annual membership fee; requires Aadhaar and proof of work.

Common gotcha

Many guards don't realize they qualify if they work on site security for construction firms.

state · Department of Health and Family Welfare

Who qualifies

Permanent residents of Nagaland not covered by other central schemes.

What you get

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

What it actually costs you

Registration via the portal; requires Indigenous Inhabitant Certificate.

Common gotcha

It is a top-up to central schemes; ensure your details match your Aadhaar exactly.

state · Nagaland State Transport

Who qualifies

Low-income workers and residents traveling on state buses.

What you get

Discounted bus fares on long-distance routes within the state.

What it actually costs you

Must carry a valid state-issued identity card.

Common gotcha

Only applicable on Nagaland State Transport (NST) buses, not private taxis.

state · Department of Food and Civil Supplies

Who qualifies

BPL and AAY ration card holders in Nagaland.

What you get

Additional allocation of rice and essential commodities at subsidized rates.

What it actually costs you

Ration card and biometric verification at the local fair price shop.

Common gotcha

Check your local village council or municipal office for specific distribution days.

state · Nagaland Skill Development Society

Who qualifies

Unemployed youth and workers looking to upgrade skills.

What you get

Free vocational training in security services, hospitality, or technical trades.

What it actually costs you

Application form and age proof; training is free.

Common gotcha

Courses are batch-based; check the portal frequently for new intakes.

state · Panchayati Raj and Drinking Water Department

Who qualifies

Low-income families living in kutcha houses in rural Odisha.

What you get

Financial assistance to convert kutcha houses into pucca (concrete) houses.

What it actually costs you

Requires land ownership documents and verification by local Sarpanch.

Common gotcha

Selection is based on the SECC list; getting your name on the priority list can take time.

state · Labour and ESI Department

Who qualifies

Workers engaged in construction activities for at least 90 days in a year.

What you get

Financial aid for children's education, marriage assistance, and death/disability benefits.

What it actually costs you

Annual registration fee of ₹20 and a valid labour card.

Common gotcha

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

state · Health and Family Welfare Department

Who qualifies

Low-income families not covered under central health schemes.

What you get

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

What it actually costs you

Requires the BSKY smart card and Aadhar verification.

Common gotcha

Check if your local private hospital is currently empanelled before admission.

state · Food Supplies and Consumer Welfare Department

Who qualifies

Families left out of the National Food Security Act (NFSA) coverage.

What you get

5 kg of rice per person per month at ₹1 per kg.

What it actually costs you

Requires a ration card and biometric authentication at the PDS shop.

Common gotcha

The rice quota is strictly for the family members listed on the card.

state · Punjab Building and Other Construction Workers Welfare Board

Who qualifies

Registered construction workers whose children are studying in school or college.

What you get

Annual scholarship ranging from ₹3,000 to ₹70,000 depending on the course level.

What it actually costs you

Must have an active BOCW registration card and school bonafide certificate.

Common gotcha

The application must be submitted within the academic year; late submissions are strictly rejected.

state · Department of Social Justice, Empowerment and Minorities

Who qualifies

Low-income families for the marriage of their daughters.

What you get

One-time financial assistance of ₹51,000.

What it actually costs you

Income certificate showing annual income below ₹32,790 and proof of residence.

Common gotcha

The application must be filed at least 30 days before the wedding date.

state · Punjab Building and Other Construction Workers Welfare Board

Who qualifies

Registered workers or their immediate family members.

What you get

₹20,000 for funeral expenses.

What it actually costs you

Death certificate and registration ID card.

Common gotcha

Must be applied for within 6 months of the death.

state · Punjab Building and Other Construction Workers Welfare Board

Who qualifies

Registered construction workers who have completed one year of membership.

What you get

Reimbursement of up to ₹3,000 for the purchase of a bicycle.

What it actually costs you

Original bill of the cycle and a self-declaration of employment.

Common gotcha

Only one cycle allowed per registered worker.

state · State Health Agency Punjab

Who qualifies

Families identified in the SECC data and specific categories like BOCW workers.

What you get

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

What it actually costs you

e-Card generated via CSC or hospital help desk.

Common gotcha

Check if your specific hospital is empanelled before admission; many private clinics are not.

state · Punjab Building and Other Construction Workers Welfare Board

Who qualifies

Registered workers for treatment of self or family members.

What you get

Reimbursement of medical bills for serious illnesses.

What it actually costs you

Original medical bills, discharge summary, and doctor's prescription.

Common gotcha

Only covers specific list of major diseases; minor checkups are not eligible.

state · Labour Department, Government of Puducherry

Who qualifies

Registered workers in the unorganized sector including security guards.

What you get

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

What it actually costs you

Registration fee of ₹25, requires employment certificate and Aadhaar.

Common gotcha

You must renew your membership annually to keep claiming benefits.

state · Department of Women and Child Development

Who qualifies

Residents over 60 with annual income below ₹24,000.

What you get

Monthly pension of ₹1,250 to ₹2,000 depending on age.

What it actually costs you

Income certificate and residence proof required.

Common gotcha

Verification of residence in Puducherry for at least 5 years is strictly enforced.

state · Department of Civil Supplies and Consumer Affairs

Who qualifies

All Red and Yellow Ration Card holders.

What you get

10kg of free rice per month per family.

What it actually costs you

Must have a valid digital ration card.

Common gotcha

Distribution is linked to biometric authentication at the fair price shop.

state · Department of School Education

Who qualifies

Students from poor families studying in professional colleges.

What you get

Full reimbursement of tuition fees for merit seats.

What it actually costs you

Income certificate and college admission proof.

Common gotcha

Only applies to students who cleared the CENTAC counseling process.

state · Department of Health and Family Welfare

Who qualifies

Low-income families not covered by central schemes.

What you get

Cashless treatment in government and empaneled private hospitals.

What it actually costs you

Requires a valid yellow ration card.

Common gotcha

Check if your local private clinic is empaneled before seeking emergency care.

state · Puducherry Road Transport Corporation

Who qualifies

Students attending government or government-aided schools.

What you get

Free travel on PRTC buses to and from school.

What it actually costs you

School ID and residence proof.

Common gotcha

Pass must be renewed every academic year.

state · Government of Rajasthan

Who qualifies

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

What you get

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

What it actually costs you

Free for eligible categories; requires Jan Aadhaar card and active registration.

Common gotcha

Many private hospitals claim they are full; always check the portal for the list of active empanelled hospitals first.

state · Finance Department, Rajasthan

Who qualifies

State government employees and pensioners; specific provisions for contract workers.

What you get

OPD and IPD coverage similar to CGHS for state staff.

What it actually costs you

Monthly deduction from salary; requires Jan Aadhaar linkage.

Common gotcha

Often confused with Chiranjeevi; ensure your employer has correctly tagged your status as a contract worker.

state · Department of Social Justice and Empowerment

Who qualifies

Children of widowed, divorced, or destitute parents who are residents of Rajasthan.

What you get

Monthly financial assistance for upbringing and education expenses of children.

What it actually costs you

Income certificate and death/divorce documentation; application via E-Mitra.

Common gotcha

Payments are often delayed if the child's school attendance is not updated in the portal.

state · Department of Social Justice and Empowerment

Who qualifies

Elderly, widows, and disabled persons meeting specific income criteria.

What you get

Monthly pension ranging from ₹1000 to ₹1500 depending on age and category.

What it actually costs you

Annual physical verification (Jeevan Pramaan) required.

Common gotcha

The pension amount is often slightly higher than national schemes, but you cannot claim both for the same category.

state · Planning Department, Rajasthan

Who qualifies

All residents of Rajasthan.

What you get

A single card for all state-level welfare schemes and subsidies.

What it actually costs you

Free registration at E-Mitra centers.

Common gotcha

If your family details in Jan Aadhaar don't match your Aadhaar, your scholarship or pension will be rejected.

state · Department of IT & Communication

Who qualifies

Any citizen needing government documents or service applications.

What you get

One-stop shop for utility bills, certificates, and scheme applications.

What it actually costs you

Small service fee per transaction (usually ₹20-₹50).

Common gotcha

Always ask for the printed receipt with the transaction ID; don't leave without it.

state · Rajasthan State Road Transport Corporation (RSRTC)

Who qualifies

Senior citizens, students, and specific disabled categories.

What you get

Discounted bus travel on state-run buses.

What it actually costs you

Must carry the official ID card issued by the transport department.

Common gotcha

Concessions are often not applicable on 'Volvo' or premium luxury buses.

state · Labour Department, Government of Sikkim

Who qualifies

Registered construction and unorganized sector workers with a valid labour card.

What you get

Financial assistance for medical treatment, marriage of daughters, and funeral expenses.

What it actually costs you

Annual renewal fee of ₹20, requires labour card and bank passbook.

Common gotcha

Many guards forget to renew their registration annually, making them ineligible for benefits during emergencies.

state · Labour Department

Who qualifies

Workers aged 60+ who have served in the unorganized sector in Sikkim.

What you get

Monthly pension support to supplement central schemes.

What it actually costs you

Proof of residency in Sikkim for 15+ years and work history.

Common gotcha

Documentation of work history is often difficult for private security guards who change agencies frequently.

state · Health Care, Human Services & Family Welfare Department

Who qualifies

All permanent residents of Sikkim.

What you get

Free health screening and referral services for specialized treatment.

What it actually costs you

Requires Sikkim Subject Certificate or Certificate of Identification (COI).

Common gotcha

This is a screening and referral program, not a direct cash-transfer insurance; you must follow the referral chain.

state · Office of the Chief Minister

Who qualifies

Low-income families facing major medical emergencies or natural disasters.

What you get

One-time financial grant for critical surgeries or house repairs.

What it actually costs you

Requires medical certificates, income certificate, and a recommendation from the local MLA or Panchayat.

Common gotcha

The process is highly dependent on local political representation and requires significant paperwork.

state · Food, Civil Supplies & Consumer Affairs Department

Who qualifies

Families not covered under the national NFSA but falling below the state income threshold.

What you get

Subsidized rice and essential commodities via PDS shops.

What it actually costs you

Requires a state-specific ration card.

Common gotcha

The state quota is limited; if you move from one district to another, you must update your PDS registration immediately.

state · Urban Development Department

Who qualifies

Low-income urban residents in Gangtok and other municipal areas.

What you get

Assistance for housing repair or rental support for the economically weaker section.

What it actually costs you

Proof of residency and income certificate from the Sub-Divisional Magistrate.

Common gotcha

Funds are released in phases; you must submit utilization certificates if you are repairing your own home.

state · Labour Welfare Department

Who qualifies

Any unorganized worker aged 18-60 residing in Tamil Nadu.

What you get

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

What it actually costs you

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

Common gotcha

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

state · Social Welfare Department

Who qualifies

Daughters of low-income families who studied in government schools from classes 6 to 12.

What you get

₹1,000 monthly assistance directly to the student's bank account until graduation.

What it actually costs you

Application via school or online portal; requires school transfer certificate.

Common gotcha

This is for higher education, not just marriage expenses.

state · Tamil Nadu Labour Welfare Board

Who qualifies

Children of registered workers under the Labour Welfare Board.

What you get

Annual scholarship ranging from ₹1,000 to ₹10,000 depending on the course.

What it actually costs you

Application form signed by the educational institution head.

Common gotcha

Must apply within the academic year; late applications are strictly rejected.

municipal · Greater Chennai Corporation

Who qualifies

Any resident or worker in the city.

What you get

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

What it actually costs you

Just the price of the meal; no ID required.

Common gotcha

Food runs out quickly during peak morning and lunch hours.

state · United India Insurance / TN Health Dept

Who qualifies

Families with annual income below ₹1.2 lakh.

What you get

Coverage up to ₹5 lakh per family per year for surgeries and specialized treatments.

What it actually costs you

Requires income certificate and family ration card.

Common gotcha

It only works in empanelled government and private hospitals.

state · Department of Health and Family Welfare

Who qualifies

Residents over 45 or those with chronic illnesses like BP or diabetes.

What you get

Free doorstep delivery of essential medicines and physiotherapy.

What it actually costs you

Zero; health workers visit your home after registration.

Common gotcha

You must be registered with your local Primary Health Centre (PHC).

state · Transport Department

Who qualifies

All women traveling in ordinary government buses.

What you get

Free travel within the state in ordinary town buses.

What it actually costs you

Zero; just show your ID if asked by the conductor.

Common gotcha

Does not apply to deluxe, express, or AC buses.

state · Labour Department, Government of Tripura

Who qualifies

Workers engaged in construction work for at least 90 days in the last year.

What you get

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

What it actually costs you

Small annual membership fee; requires Aadhaar, bank passbook, and proof of work.

Common gotcha

Many guards don't realize they can register if they work on construction sites as security staff.

state · Social Welfare and Social Education Department

Who qualifies

Low-income individuals, widows, or persons with disabilities meeting state income criteria.

What you get

Monthly pension amount transferred directly to bank accounts.

What it actually costs you

Income certificate and residency proof required.

Common gotcha

The application process is often offline at the local BDO office.

state · Department of Labour

Who qualifies

All unorganised sector workers including private security guards.

What you get

Access to state-specific disaster relief and welfare benefits.

What it actually costs you

Free registration at the local labour office.

Common gotcha

Often confused with the national e-Shram portal; this is the state-specific registry.

state · Revenue Department

Who qualifies

Landless residents of Tripura, especially those in rural or tribal areas.

What you get

Legal land rights (Patta) for residential purposes.

What it actually costs you

Documentation of long-term residency and family income.

Common gotcha

Verification takes significant time; keep checking with the local Tehsildar office.

state · Rural Development Department

Who qualifies

Families living in kutcha houses who are not covered under national schemes.

What you get

Grant for house repair or construction.

What it actually costs you

Must have a valid BPL card or state-verified income certificate.

Common gotcha

Funds are released in installments based on construction progress.

state · Department of Civil Supplies

Who qualifies

White ration card holders in Telangana.

What you get

Additional rice at ₹1 per kg over central allocations.

What it actually costs you

Valid White Ration Card; requires Aadhaar linking.

Common gotcha

The card must be updated with current family member details to avoid deletion during audits.

state · Telangana State Housing Corporation

Who qualifies

Homeless residents or those living in kutcha houses in Telangana.

What you get

Fully constructed 2BHK flat at zero cost.

What it actually costs you

Application through Meeseva centers; high demand means long waitlists.

Common gotcha

Selection is done via a lottery system; beware of middlemen promising guaranteed allotment.

municipal · Greater Hyderabad Municipal Corporation (GHMC)

Who qualifies

Any daily wage worker or low-income individual in Hyderabad.

What you get

Hot, nutritious meal for ₹5.

What it actually costs you

Just ₹5 cash; no documents required.

Common gotcha

Meals are served only during specific lunch hours (usually 12:30 PM to 2:30 PM).

state · Labour Department

Who qualifies

Registered workers in the unorganized sector.

What you get

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

What it actually costs you

Registration as a worker; requires employment proof.

Common gotcha

Many workers forget to renew their registration annually, leading to benefit denial.

state · Arogyasri Health Care Trust

Who qualifies

BPL families in Telangana.

What you get

Cashless treatment for major surgeries up to ₹5 lakhs.

What it actually costs you

Health card; must be used at empanelled network hospitals.

Common gotcha

Check if the specific hospital is currently empanelled before admission.

state · Telangana State Road Transport Corporation

Who qualifies

General public and specific low-income categories.

What you get

Monthly discounted travel on city buses.

What it actually costs you

Passport photo, ID proof, and small processing fee.

Common gotcha

Passes are route-specific or zone-specific; ensure you buy the right one for your daily commute.

state · Labour Department, Uttarakhand

Who qualifies

Registered construction workers and their families.

What you get

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

What it actually costs you

Annual membership fee of ₹20; requires labour certificate.

Common gotcha

You must renew your registration every year to keep receiving benefits.

state · Department of Food and Civil Supplies

Who qualifies

Poorest families identified under state criteria.

What you get

35 kg of food grains per month at highly subsidized rates.

What it actually costs you

Requires BPL ration card and Aadhaar seeding.

Common gotcha

Often confused with the national NFSA; this is a state-specific supplement for the poorest.

state · Social Welfare Department

Who qualifies

Residents over 60 with low income.

What you get

Monthly pension of ₹1,500.

What it actually costs you

Income certificate and residence proof required.

Common gotcha

Verification takes months; keep checking the local Tehsil office.

state · Uttarakhand Transport Corporation

Who qualifies

State government employees and specific low-income groups.

What you get

Discounted bus travel on state-run mountain routes.

What it actually costs you

Requires a valid state-issued ID or concession pass.

Common gotcha

Only applicable on UTC buses, not private taxis.

state · Uttarakhand Jal Sansthan

Who qualifies

Low-income households in urban areas.

What you get

Reduced water connection and monthly usage charges.

What it actually costs you

BPL certificate and proof of property ownership.

Common gotcha

Does not apply to commercial connections.

state · Labour Department, UP

Who qualifies

Workers engaged in construction activities for at least 90 days in the last year.

What you get

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

What it actually costs you

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

Common gotcha

Renewal must be done annually to keep benefits active.

state · Labour Department, UP

Who qualifies

Registered construction workers in UP.

What you get

Cash assistance of ₹12,000 for the birth of a child.

What it actually costs you

Application within 6 months of birth, requires birth certificate.

Common gotcha

Only applicable for the first two children.

state · UP Labour Welfare Board

Who qualifies

Registered workers who do not own a bicycle.

What you get

₹3,000 to purchase a bicycle for commuting to work.

What it actually costs you

Requires registration certificate and a self-declaration.

Common gotcha

Often requires a bill/receipt of the cycle purchase for reimbursement.

state · Social Welfare Department, UP

Who qualifies

Low-income families with an annual income below ₹46,080 (rural) or ₹56,460 (urban).

What you get

₹51,000 for the marriage of a daughter.

What it actually costs you

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

Common gotcha

Strict income certificate verification is mandatory.

state · UP Awas Vikas Parishad

Who qualifies

Urban poor without a permanent house in their name.

What you get

Subsidy for house construction or purchase of affordable units.

What it actually costs you

Requires land ownership proof and domicile certificate.

Common gotcha

The site is often flooded with fake agents; use only official government portals.

state · Office of the Chief Minister, UP

Who qualifies

Residents of UP facing critical illness with no other insurance coverage.

What you get

Financial aid for surgeries or major medical procedures at empanelled hospitals.

What it actually costs you

Requires medical estimate from the hospital and income certificate.

Common gotcha

Processing takes time; usually meant for non-emergency planned surgeries.

state · Uttar Pradesh State Road Transport Corporation

Who qualifies

Low-income workers and students residing in UP.

What you get

Discounted monthly bus passes for daily commuting.

What it actually costs you

Requires ID proof and proof of employment/residence.

Common gotcha

Only valid on state-run buses, not private operators.

state · Department of Women and Child Development and Social Welfare

Who qualifies

Women heads of households aged 25-60.

What you get

Monthly financial assistance of ₹500 or ₹1000 depending on category.

What it actually costs you

Aadhaar, bank passbook, and caste certificate; zero application fee.

Common gotcha

The bank account must be linked to Aadhaar or money will not credit.

state · Department of Health and Family Welfare

Who qualifies

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

What you get

Basic health cover up to ₹5 lakh per family per year.

What it actually costs you

Smart card issued by the state; no premium paid by the user.

Common gotcha

Private hospitals often claim they are full; always check the empanelled list online first.

state · Department of Panchayats and Rural Development

Who qualifies

Senior citizens, widows, and persons with disabilities from low-income groups.

What you get

Monthly pension of ₹1000.

What it actually costs you

Income certificate and age proof; submitted at BDO or SDO office.

Common gotcha

Verification takes 3-6 months; keep checking the status at the local office.

state · Department of Women and Child Development

Who qualifies

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

What you get

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

What it actually costs you

School bonafide certificate and bank account details.

Common gotcha

Must be unmarried at the time of the final payout.

state · Labour Department

Who qualifies

Security guards and other unorganised sector workers aged 18-60.

What you get

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

What it actually costs you

Registration with the board; requires employer certificate or local councillor verification.

Common gotcha

Many guards forget to renew their registration annually.

state · Department of Tribal Development

Who qualifies

SC/ST individuals aged 60+ with no other pension.

What you get

Monthly pension of ₹1000.

What it actually costs you

Caste certificate and income proof.

Common gotcha

Caste certificate must be issued by the West Bengal government.

state · Department of MSME

Who qualifies

Unemployed youth looking to start small businesses.

What you get

Soft loans up to ₹2 lakh for self-employment.

What it actually costs you

Business plan and identity proof.

Common gotcha

Requires a bank to agree to the loan terms, which can be difficult for low-income applicants.

state · Labour Department

Who qualifies

Workers from West Bengal working in other states.

What you get

Registration for emergency support and tracking.

What it actually costs you

Online registration with mobile number.

Common gotcha

Keep your contact details updated if you change your phone number.