The Indian government is implementing several assistance schemes for all sections of citizens in the areas of financial security, social welfare, education, health, etc. Let's take a detailed look at the 5 most important government financial schemes of 2025 and how to avail them in this article.

Pradhan Mantri Jan Dhan Yojana (PMJDY)

Aim: To provide bank accounts to all Indians.

Benefits:

• Can use a zero balance account.
• Get a debit card (RuPay).
• Total insurance of Rs 2 lakh (accident/death).
• Overdraft facility (up to ₹10,000).

How to apply?

You can apply at any bank using Aadhaar and PAN card.

Emergency Credit Line Guarantee Scheme (ECLGS)

Aim: To provide loan assistance to MSMEs.

Benefits:

• Funding for MSMEs.
• Loans can be availed without collateral.
• Loan refinancing is possible.

How to apply?

Can be applied from government approved banks.

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Aim: Low-cost insurance for all.

Benefits:

• ₹2 lakh total insurance (accidental death/total disability).
• Annual premium only ₹20.

How to apply?

Can be applied online at banks or insurance companies.

Sukanya Samriddhi Yojana (SSY)

Aim: Objective: Savings scheme for education and marriage expenses of girls.

Benefits:

• 8.2% annual interest (rate as of 2025).
• Tax benefit (under 80C).
• Can be applied only when the girl child completes 10 years of age.

How to apply?

You can apply at post offices/banks using Aadhaar and birth certificate of a girl child below 10 years of age.

Emergency Welfare Pension (PM-KISAN)

Aim: Direct transfer of funds to farmers.

Benefits:

• Annual assistance of ₹6,000 (in 3 installments).
• Availability: All farmers (land owners).

How to apply?

You can register online at the website pmkisan.gov.in.

These government schemes help improve the financial security and quality of life of Indians. It is essential for every citizen to take full advantage of these schemes. Scheme details are subject to change, so check the official websites!