{
  "_schema_notes": "One object per scheme. 'slug' must match the HTML filename in /schemes/. This file is the single source of truth for the homepage search/filter and (later) a static-page build script. Add new schemes by appending an object here, then create the matching /schemes/<slug>.html page using schemes/_template.html as a base. 'category' must be one of the 16 fixed taxonomy slugs listed in README.md (aligned to myScheme.gov.in). 'state' must be null for central schemes, or one of the 36 state/UT names listed in README.md for state schemes.",
  "schemes": [
    {
      "slug": "pm-kisan",
      "code": "CS-AGR-014",
      "name": "PM-KISAN (Pradhan Mantri Kisan Samman Nidhi)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Agriculture & Farmers Welfare",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers"
      ],
      "summary": "Direct income support of ₹6,000 per year to landholding farmer families, paid in three installments.",
      "benefit_amount": "₹6,000 / year",
      "launched": "2019",
      "last_verified": "2026-09-01",
      "official_url": "https://pmkisan.gov.in",
      "name_hi": "पीएम-किसान (प्रधानमंत्री किसान सम्मान निधि)",
      "summary_hi": "भूमिधारक किसान परिवारों को हर साल ₹6,000 की प्रत्यक्ष आय सहायता, तीन किस्तों में सीधे बैंक खाते में।",
      "benefit_amount_hi": "₹6,000 / वर्ष"
    },
    {
      "slug": "ayushman-bharat-pmjay",
      "code": "CS-HLT-002",
      "name": "Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Health & Family Welfare",
      "category": "health-wellness",
      "audience": [
        "general public",
        "senior citizens",
        "low-income families"
      ],
      "summary": "Cashless health cover up to ₹5 lakh per family per year for secondary and tertiary hospitalisation at empanelled hospitals.",
      "benefit_amount": "₹5,00,000 / family / year",
      "launched": "2018",
      "last_verified": "2026-09-01",
      "official_url": "https://pmjay.gov.in",
      "name_hi": "आयुष्मान भारत — प्रधानमंत्री जन आरोग्य योजना (PM-JAY)",
      "summary_hi": "गरीब और कमजोर परिवारों को अस्पताल में भर्ती होने पर ₹5 लाख तक का कैशलेस स्वास्थ्य बीमा कवर, सरकारी और सूचीबद्ध निजी अस्पतालों में।",
      "benefit_amount_hi": "₹5,00,000 / परिवार / वर्ष"
    },
    {
      "slug": "pmay",
      "code": "CS-HSG-021",
      "name": "PM Awas Yojana (PMAY) – Urban 2.0 & Gramin",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Housing & Urban Affairs / Ministry of Rural Development",
      "category": "housing-shelter",
      "audience": [
        "low-income families",
        "rural households",
        "urban poor"
      ],
      "summary": "Financial assistance to build or buy a permanent (pucca) house, for families in EWS/LIG/MIG income groups who don't own a pucca house anywhere in India.",
      "benefit_amount": "Varies by vertical; up to 6.5% home loan interest subsidy under CLSS",
      "launched": "2015",
      "last_verified": "2026-09-01",
      "official_url": "https://pmay-urban.gov.in",
      "name_hi": "प्रधानमंत्री आवास योजना (PMAY)",
      "summary_hi": "शहरी और ग्रामीण गरीब परिवारों को पक्का घर बनाने या खरीदने के लिए वित्तीय सहायता और ब्याज सब्सिडी।",
      "benefit_amount_hi": "योजना और श्रेणी के अनुसार सब्सिडी/सहायता"
    },
    {
      "slug": "pm-mudra-yojana",
      "code": "CS-BIZ-045",
      "name": "PM Mudra Yojana (PMMY)",
      "level": "central",
      "state": null,
      "ministry": "Department of Financial Services, Ministry of Finance",
      "category": "business-entrepreneurship",
      "audience": [
        "entrepreneurs",
        "small business owners",
        "women entrepreneurs"
      ],
      "summary": "Collateral-free loans up to ₹20 lakh for non-farm micro and small enterprises, across four stages: Shishu, Kishor, Tarun and Tarun Plus.",
      "benefit_amount": "Up to ₹20,00,000 (collateral-free)",
      "launched": "2015",
      "last_verified": "2026-09-01",
      "official_url": "https://www.mudra.org.in",
      "name_hi": "प्रधानमंत्री मुद्रा योजना (PMMY)",
      "summary_hi": "छोटे और सूक्ष्म व्यवसायों के लिए बिना गारंटी के ₹10 लाख तक का ऋण — शिशु, किशोर और तरुण तीन श्रेणियों में।",
      "benefit_amount_hi": "बिना गारंटी ऋण, ₹10,00,000 तक"
    },
    {
      "slug": "atal-pension-yojana",
      "code": "CS-FIN-052",
      "name": "Atal Pension Yojana (APY)",
      "level": "central",
      "state": null,
      "ministry": "Pension Fund Regulatory and Development Authority (PFRDA)",
      "category": "banking-financial-insurance",
      "audience": [
        "unorganised sector workers",
        "general public"
      ],
      "summary": "Guaranteed monthly pension of ₹1,000 to ₹5,000 after age 60, built through small monthly contributions made between ages 18 and 40.",
      "benefit_amount": "₹1,000 – ₹5,000 / month pension",
      "launched": "2015",
      "last_verified": "2026-09-01",
      "official_url": "https://npscra.nsdl.co.in/scheme-details.php",
      "name_hi": "अटल पेंशन योजना (APY)",
      "summary_hi": "असंगठित क्षेत्र के श्रमिकों के लिए एक गारंटीड मासिक पेंशन योजना — 60 वर्ष की उम्र के बाद ₹1,000 से ₹5,000 तक मासिक पेंशन, अंशदान की राशि के अनुसार।",
      "benefit_amount_hi": "₹1,000–₹5,000 मासिक पेंशन (60 वर्ष के बाद)"
    },
    {
      "slug": "pm-ujjwala-yojana",
      "code": "CS-UTL-018",
      "name": "PM Ujjwala Yojana (PMUY 2.0)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Petroleum & Natural Gas",
      "category": "utility-sanitation",
      "audience": [
        "women",
        "BPL households"
      ],
      "summary": "Free, deposit-free LPG gas connection (plus first refill and stove) for adult women from eligible poor households with no existing LPG connection.",
      "benefit_amount": "Free connection + ₹300/cylinder subsidy, up to 12 refills/year",
      "launched": "2016",
      "last_verified": "2026-09-01",
      "official_url": "https://www.pmuy.gov.in",
      "name_hi": "प्रधानमंत्री उज्ज्वला योजना (PMUY)",
      "summary_hi": "गरीब परिवारों की महिलाओं को मुफ्त एलपीजी गैस कनेक्शन, ताकि उन्हें धुएं वाले चूल्हे से मुक्ति मिले।",
      "benefit_amount_hi": "मुफ्त एलपीजी कनेक्शन + पहला सिलेंडर सहायता"
    },
    {
      "slug": "pmkvy",
      "code": "CS-SKL-009",
      "name": "PM Kaushal Vikas Yojana (PMKVY 4.0)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Skill Development & Entrepreneurship",
      "category": "skills-employment",
      "audience": [
        "unemployed youth",
        "school/college dropouts"
      ],
      "summary": "Free, short-duration skill training aligned to industry needs, with a certification reward and placement assistance for unemployed youth and dropouts.",
      "benefit_amount": "Free training + ₹500 certification reward",
      "launched": "2015",
      "last_verified": "2026-09-01",
      "official_url": "https://www.pmkvyofficial.org",
      "name_hi": "प्रधानमंत्री कौशल विकास योजना (PMKVY)",
      "summary_hi": "युवाओं को मुफ्त, अल्पकालिक कौशल प्रशिक्षण और प्रमाणन — बेहतर आजीविका के अवसरों के लिए, प्रशिक्षण पूरा होने पर मौद्रिक पुरस्कार सहित।",
      "benefit_amount_hi": "मुफ्त प्रशिक्षण + प्रमाणन + पुरस्कार राशि"
    },
    {
      "slug": "sukanya-samriddhi-yojana",
      "code": "CS-WMC-011",
      "name": "Sukanya Samriddhi Yojana (SSY)",
      "level": "central",
      "state": null,
      "ministry": "Department of Economic Affairs, Ministry of Finance",
      "category": "women-child",
      "audience": [
        "girl child",
        "parents/guardians"
      ],
      "summary": "A high-interest small savings account for a girl child under 10, opened by a parent or guardian, maturing 21 years after opening with full tax exemption.",
      "benefit_amount": "8.2% p.a. interest (Q2 FY2026-27), tax-free (EEE)",
      "launched": "2015",
      "last_verified": "2026-09-01",
      "official_url": "https://www.indiapost.gov.in",
      "name_hi": "सुकन्या समृद्धि योजना (SSY)",
      "summary_hi": "बेटी के भविष्य (शिक्षा और विवाह) के लिए एक उच्च-ब्याज, कर-मुक्त बचत खाता — 10 वर्ष से कम उम्र की बेटी के नाम पर खोला जा सकता है।",
      "benefit_amount_hi": "8.2% वार्षिक ब्याज (तिमाही समीक्षा), कर-मुक्त"
    },
    {
      "slug": "pm-jan-dhan-yojana",
      "code": "CS-FIN-003",
      "name": "PM Jan Dhan Yojana (PMJDY)",
      "level": "central",
      "state": null,
      "ministry": "Department of Financial Services, Ministry of Finance",
      "category": "banking-financial-insurance",
      "audience": [
        "unbanked individuals",
        "women",
        "rural households"
      ],
      "summary": "A zero-balance basic savings bank account for every Indian, with a free RuPay debit card, accidental insurance cover, and access to overdraft facilities.",
      "benefit_amount": "Zero-balance account + up to ₹2,00,000 accident cover",
      "launched": "2014",
      "last_verified": "2026-09-01",
      "official_url": "https://pmjdy.gov.in",
      "name_hi": "प्रधानमंत्री जन धन योजना (PMJDY)",
      "summary_hi": "हर भारतीय के लिए ज़ीरो बैलेंस पर बैंक खाता — मुफ्त रुपे डेबिट कार्ड, दुर्घटना बीमा कवर और ओवरड्राफ्ट सुविधा के साथ।",
      "benefit_amount_hi": "मुफ्त खाता + ₹2,00,000 दुर्घटना बीमा कवर"
    },
    {
      "slug": "nsap",
      "code": "CS-SWE-007",
      "name": "National Social Assistance Programme (NSAP)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Rural Development",
      "category": "social-welfare-empowerment",
      "audience": [
        "senior citizens",
        "widows",
        "persons with disabilities",
        "BPL households"
      ],
      "summary": "Monthly social pension for elderly, widowed and disabled citizens below the poverty line, plus a one-time family benefit and free foodgrain under its Annapurna component.",
      "benefit_amount": "₹200–₹500/month central pension (states often top up)",
      "launched": "1995",
      "last_verified": "2026-09-01",
      "official_url": "https://nsap.nic.in",
      "name_hi": "राष्ट्रीय सामाजिक सहायता कार्यक्रम (NSAP)",
      "summary_hi": "गरीब वृद्ध, विधवा और दिव्यांग व्यक्तियों के लिए केंद्रीय पेंशन योजनाओं का समूह — राज्य की पेंशन के साथ मिलकर एक न्यूनतम आय सुरक्षा देने के लिए।",
      "benefit_amount_hi": "₹200–₹500/माह (श्रेणी अनुसार, राज्य पेंशन के अतिरिक्त)"
    },
    {
      "slug": "nmmss",
      "code": "CS-EDU-006",
      "name": "National Means-cum-Merit Scholarship Scheme (NMMSS)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Education",
      "category": "education-learning",
      "audience": [
        "students",
        "economically weaker sections"
      ],
      "summary": "₹12,000 a year for meritorious students from economically weaker families, from Class 9 through Class 12, to reduce drop-out after Class 8.",
      "benefit_amount": "₹12,000 / year (₹1,000/month)",
      "launched": "2008",
      "last_verified": "2026-09-01",
      "official_url": "https://scholarships.gov.in",
      "name_hi": "राष्ट्रीय साधन-सह-प्रतिभा छात्रवृत्ति योजना (NMMSS)",
      "summary_hi": "कक्षा 8 पास कर कक्षा 9 में दाखिला लेने वाले मेधावी, आर्थिक रूप से कमज़ोर छात्रों को कक्षा 12 तक हर साल छात्रवृत्ति — चुनिंदा परीक्षा में प्रदर्शन के आधार पर।",
      "benefit_amount_hi": "₹12,000/वर्ष (₹1,000/माह)"
    },
    {
      "slug": "nalsa-free-legal-aid",
      "code": "CS-PSJ-001",
      "name": "NALSA Free Legal Aid",
      "level": "central",
      "state": null,
      "ministry": "Department of Justice / National Legal Services Authority (NALSA)",
      "category": "public-safety-law-justice",
      "audience": [
        "low-income individuals",
        "women",
        "children",
        "SC/ST",
        "persons with disabilities",
        "prisoners"
      ],
      "summary": "Free legal representation and advice for those who cannot afford it, and for specific categories like women, children, SC/ST and persons with disabilities, at every level of the Indian judicial system.",
      "benefit_amount": "Free legal representation, advice and Lok Adalat settlement support",
      "launched": "1995",
      "last_verified": "2026-09-01",
      "official_url": "https://nalsa.gov.in",
      "name_hi": "नालसा मुफ्त कानूनी सहायता",
      "summary_hi": "गरीब, महिलाओं, बच्चों, SC/ST, और अन्य कमज़ोर वर्गों को अदालत में मुफ्त वकील और कानूनी सलाह — राष्ट्रीय विधिक सेवा प्राधिकरण के ज़रिए।",
      "benefit_amount_hi": "मुफ्त वकील, कानूनी सलाह एवं दस्तावेज़ सहायता"
    },
    {
      "slug": "common-services-centres",
      "code": "CS-SCI-014",
      "name": "Common Services Centres (CSC) 2.0",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Electronics & Information Technology (MeitY)",
      "category": "science-it-communications",
      "audience": [
        "rural citizens",
        "village youth",
        "aspiring entrepreneurs"
      ],
      "summary": "A nationwide network of digital service access points run by Village Level Entrepreneurs, bringing 300+ government and private services (Aadhaar, PAN, banking, insurance) to rural India, with self-employment opportunities for local youth as VLEs.",
      "benefit_amount": "Local access to 300+ digital services; VLE earns commission per transaction",
      "launched": "2006 (CSC 2.0 since 2015)",
      "last_verified": "2026-09-01",
      "official_url": "https://www.csc.gov.in",
      "name_hi": "कॉमन सर्विस सेंटर (CSC)",
      "summary_hi": "गांव-गांव में स्थापित डिजिटल सेवा केंद्र — आधार, पैन, बिल भुगतान, बैंकिंग, बीमा, और कई सरकारी योजनाओं के आवेदन जैसी सेवाएं एक ही जगह, मामूली शुल्क पर।",
      "benefit_amount_hi": "सैकड़ों डिजिटल सेवाएं, एक ही केंद्र पर"
    },
    {
      "slug": "khelo-india",
      "code": "CS-SPC-005",
      "name": "Khelo India Scheme",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Youth Affairs & Sports",
      "category": "sports-culture",
      "audience": [
        "young athletes",
        "school/college students"
      ],
      "summary": "National talent identification and athlete development scheme, offering selected young athletes an annual scholarship for up to 8 years, plus sports infrastructure and Khelo India Centres nationwide.",
      "benefit_amount": "₹5,00,000 / year scholarship (selected athletes), for up to 8 years",
      "launched": "2017",
      "last_verified": "2026-09-01",
      "official_url": "https://kheloindia.gov.in",
      "name_hi": "खेलो इंडिया कार्यक्रम",
      "summary_hi": "प्रतिभाशाली युवा खिलाड़ियों की पहचान और विकास के लिए राष्ट्रीय कार्यक्रम — चुने गए एथलीटों को हर साल ₹6.28 लाख की छात्रवृत्ति, प्रशिक्षण और उपकरण सहायता के साथ।",
      "benefit_amount_hi": "₹6,28,000/वर्ष छात्रवृत्ति (चुने गए खिलाड़ियों के लिए)"
    },
    {
      "slug": "gst-composition-scheme",
      "code": "CS-TAX-010",
      "name": "GST Composition Scheme",
      "level": "central",
      "state": null,
      "ministry": "Central Board of Indirect Taxes & Customs, Ministry of Finance",
      "category": "tax-revenue",
      "audience": [
        "small business owners",
        "traders",
        "small service providers"
      ],
      "summary": "A simplified GST option for small businesses, letting them pay a fixed low rate (1%–6%) on turnover and file just one quarterly payment and one annual return, instead of the standard monthly GST filings.",
      "benefit_amount": "Flat 1%–6% tax rate; turnover limit ₹1.5 crore (₹50 lakh for services)",
      "launched": "2017",
      "last_verified": "2026-09-01",
      "official_url": "https://www.gst.gov.in",
      "name_hi": "GST संरचना योजना (कंपोज़िशन स्कीम)",
      "summary_hi": "छोटे व्यापारियों के लिए सरल GST अनुपालन — नियमित दर की बजाय टर्नओवर पर एक तय, कम दर से कर भरने की सुविधा, कम कागज़ी कार्रवाई के साथ।",
      "benefit_amount_hi": "1%–6% टर्नओवर पर कर (व्यवसाय प्रकार अनुसार)"
    },
    {
      "slug": "pmgsy",
      "code": "CS-TRN-002",
      "name": "Pradhan Mantri Gram Sadak Yojana (PMGSY)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Rural Development",
      "category": "transport-infrastructure",
      "audience": [
        "rural habitations",
        "village communities"
      ],
      "summary": "Builds all-weather roads connecting previously unconnected rural habitations (population 500+, or 250+ in hilly/tribal areas) to the nearest towns, markets, schools and hospitals.",
      "benefit_amount": "Full road construction cost (60:40 Centre:State funding, 90:10 for NE/Himalayan states)",
      "launched": "2000",
      "last_verified": "2026-09-01",
      "official_url": "https://pmgsy.nic.in",
      "name_hi": "प्रधानमंत्री ग्राम सड़क योजना (PMGSY)",
      "summary_hi": "असंबद्ध ग्रामीण बस्तियों को सभी मौसम में चलने योग्य सड़कों से जोड़ने की योजना — बाज़ार, स्कूल, अस्पताल तक पहुंच आसान बनाने के लिए।",
      "benefit_amount_hi": "ग्रामीण सड़क निर्माण (कोई सीधा व्यक्तिगत नकद लाभ नहीं)"
    },
    {
      "slug": "swadesh-darshan-2",
      "code": "CS-TRV-003",
      "name": "Swadesh Darshan 2.0",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Tourism",
      "category": "travel-tourism",
      "audience": [
        "tourists",
        "local tourism communities",
        "state governments"
      ],
      "summary": "Central funding to states and UTs to develop selected destinations into complete, sustainable tourist experiences — improving connectivity, visitor facilities and local infrastructure at heritage, spiritual, coastal and eco-tourism sites.",
      "benefit_amount": "Central Sector funding to State/UT tourism development projects",
      "launched": "2015 (revamped as SD2.0 in 2022-23)",
      "last_verified": "2026-09-01",
      "official_url": "https://tourism.gov.in",
      "name_hi": "स्वदेश दर्शन 2.0",
      "summary_hi": "देश भर में पर्यटन स्थलों को स्थायी और गंतव्य-आधारित तरीके से विकसित करने का कार्यक्रम — बुनियादी ढांचा, स्वच्छता और पर्यटक सुविधाओं में सुधार के ज़रिए।",
      "benefit_amount_hi": "पर्यटन बुनियादी ढांचा विकास (कोई व्यक्तिगत लाभ नहीं)"
    },
    {
      "slug": "pm-fasal-bima-yojana",
      "code": "CS-AGR-022",
      "name": "PM Fasal Bima Yojana (PMFBY)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Agriculture & Farmers Welfare",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers",
        "sharecroppers",
        "tenant farmers"
      ],
      "summary": "Crop insurance covering losses from floods, drought, hailstorms, pests and disease, at a farmer premium of just 2% (Kharif), 1.5% (Rabi) or 5% (commercial/horticultural crops) — the rest is government-subsidised.",
      "benefit_amount": "Full sum insured on notified crop loss; farmer pays 1.5%–5% premium",
      "launched": "2016",
      "last_verified": "2026-09-01",
      "official_url": "https://pmfby.gov.in",
      "name_hi": "प्रधानमंत्री फसल बीमा योजना (PMFBY)",
      "summary_hi": "प्राकृतिक आपदा, कीट या बीमारी से फसल खराब होने पर किसानों को बीमा कवर — बहुत कम प्रीमियम पर (खरीफ के लिए 2%, रबी के लिए 1.5%)।",
      "benefit_amount_hi": "प्रीमियम: खरीफ 2%, रबी 1.5%, बागवानी 5%"
    },
    {
      "slug": "pm-surya-ghar",
      "code": "CS-UTL-025",
      "name": "PM Surya Ghar: Muft Bijli Yojana",
      "level": "central",
      "state": null,
      "ministry": "Ministry of New & Renewable Energy (MNRE)",
      "category": "utility-sanitation",
      "audience": [
        "homeowners",
        "residential electricity consumers"
      ],
      "summary": "Central subsidy of up to ₹78,000 for installing rooftop solar on a home, aiming to cut household electricity bills to near-zero with up to 300 free units a month.",
      "benefit_amount": "Up to ₹78,000 subsidy (₹30,000/kW for first 2kW, capped at 3kW+)",
      "launched": "2024",
      "last_verified": "2026-09-01",
      "official_url": "https://pmsuryaghar.gov.in",
      "name_hi": "पीएम सूर्य घर: मुफ्त बिजली योजना",
      "summary_hi": "घर की छत पर सोलर पैनल लगाने के लिए सब्सिडी — हर महीने 300 यूनिट तक मुफ्त बिजली, अतिरिक्त बिजली बेचकर अतिरिक्त आय भी।",
      "benefit_amount_hi": "₹30,000–₹78,000 सब्सिडी + 300 यूनिट/माह मुफ्त बिजली"
    },
    {
      "slug": "stand-up-india",
      "code": "CS-BIZ-051",
      "name": "Stand-Up India Scheme",
      "level": "central",
      "state": null,
      "ministry": "Department of Financial Services, Ministry of Finance",
      "category": "business-entrepreneurship",
      "audience": [
        "SC/ST entrepreneurs",
        "women entrepreneurs"
      ],
      "summary": "Bank loans of ₹10 lakh to ₹1 crore for setting up a new (greenfield) enterprise, reserved for at least one SC/ST borrower and one woman borrower per bank branch, with a government credit guarantee so no collateral is needed.",
      "benefit_amount": "₹10,00,000 – ₹1,00,00,000 (collateral-free, govt-guaranteed)",
      "launched": "2016",
      "last_verified": "2026-09-01",
      "official_url": "https://www.standupmitra.in",
      "name_hi": "स्टैंड-अप इंडिया योजना",
      "summary_hi": "अनुसूचित जाति/जनजाति और महिला उद्यमियों को नया विनिर्माण, सेवा या व्यापार उद्यम शुरू करने के लिए ₹10 लाख से ₹1 करोड़ तक का बैंक ऋण।",
      "benefit_amount_hi": "₹10,00,000 – ₹1,00,00,000 ऋण"
    },
    {
      "slug": "pm-vishwakarma-yojana",
      "code": "CS-SKL-016",
      "name": "PM Vishwakarma Yojana",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Micro, Small & Medium Enterprises",
      "category": "skills-employment",
      "audience": [
        "artisans",
        "craftspeople"
      ],
      "summary": "End-to-end support for traditional artisans in 18 trades (carpenters, blacksmiths, potters, tailors, goldsmiths and more) — recognition, skill training with a daily stipend, a toolkit grant, and collateral-free loans up to ₹3 lakh.",
      "benefit_amount": "₹15,000 toolkit + up to ₹3,00,000 loan at 5% interest",
      "launched": "2023",
      "last_verified": "2026-09-01",
      "official_url": "https://pmvishwakarma.gov.in",
      "name_hi": "प्रधानमंत्री विश्वकर्मा योजना",
      "summary_hi": "पारंपरिक कारीगरों और शिल्पकारों (बढ़ई, लोहार, दर्जी आदि) के लिए मुफ्त कौशल प्रशिक्षण, आधुनिक उपकरणों हेतु ₹15,000 का टूलकिट अनुदान, और बिना गारंटी ₹3 लाख तक का रियायती ऋण।",
      "benefit_amount_hi": "मुफ्त प्रशिक्षण + ₹15,000 टूलकिट + ₹3,00,000 तक ऋण"
    },
    {
      "slug": "pm-svanidhi",
      "code": "CS-BIZ-019",
      "name": "PM SVANidhi (Street Vendor's AtmaNirbhar Nidhi)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Housing & Urban Affairs",
      "category": "business-entrepreneurship",
      "audience": [
        "street vendors"
      ],
      "summary": "Collateral-free working capital loans for urban street vendors, starting at ₹10,000 and rising to ₹50,000 across three tranches for consistent repayers, with an interest subsidy and cashback for digital payments.",
      "benefit_amount": "₹10,000 – ₹50,000 (collateral-free) + 7% interest subsidy",
      "launched": "2020",
      "last_verified": "2026-09-01",
      "official_url": "https://pmsvanidhi.mohua.gov.in",
      "name_hi": "पीएम स्वनिधि योजना",
      "summary_hi": "रेहड़ी-पटरी वालों (स्ट्रीट वेंडर) को बिना गारंटी कार्यशील पूंजी ऋण — पहली बार ₹10,000, समय पर चुकाने पर अगली बार ₹20,000, फिर ₹50,000 तक।",
      "benefit_amount_hi": "₹10,000 → ₹20,000 → ₹50,000 (क्रमिक ऋण चक्र)"
    },
    {
      "slug": "pm-jeevan-jyoti-bima-yojana",
      "code": "CS-FIN-058",
      "name": "PM Jeevan Jyoti Bima Yojana (PMJJBY)",
      "level": "central",
      "state": null,
      "ministry": "Department of Financial Services, Ministry of Finance",
      "category": "banking-financial-insurance",
      "audience": [
        "bank account holders",
        "general public"
      ],
      "summary": "A one-year renewable term life insurance scheme giving ₹2 lakh cover on death from any cause, for a premium of ₹436/year auto-debited from the subscriber's bank account.",
      "benefit_amount": "₹2,00,000 life cover for ₹436/year premium",
      "launched": "2015",
      "last_verified": "2026-09-01",
      "official_url": "https://www.jansuraksha.gov.in",
      "name_hi": "प्रधानमंत्री जीवन ज्योति बीमा योजना (PMJJBY)",
      "summary_hi": "18-50 वर्ष के लोगों के लिए ₹2 लाख का जीवन बीमा कवर, सिर्फ ₹436 प्रति वर्ष के प्रीमियम पर — किसी भी कारण से मृत्यु होने पर (दुर्घटना या बीमारी दोनों)।",
      "benefit_amount_hi": "₹2,00,000 जीवन बीमा कवर, ₹436/वर्ष प्रीमियम"
    },
    {
      "slug": "pm-suraksha-bima-yojana",
      "code": "CS-FIN-059",
      "name": "PM Suraksha Bima Yojana (PMSBY)",
      "level": "central",
      "state": null,
      "ministry": "Department of Financial Services, Ministry of Finance",
      "category": "banking-financial-insurance",
      "audience": [
        "bank account holders",
        "general public"
      ],
      "summary": "A one-year renewable personal accident insurance scheme covering accidental death and disability, for a premium of just ₹20/year auto-debited from the subscriber's bank account.",
      "benefit_amount": "₹2,00,000 (death/total disability), ₹1,00,000 (partial disability), for ₹20/year",
      "launched": "2015",
      "last_verified": "2026-09-01",
      "official_url": "https://www.jansuraksha.gov.in",
      "name_hi": "प्रधानमंत्री सुरक्षा बीमा योजना (PMSBY)",
      "summary_hi": "18-70 वर्ष के लोगों के लिए दुर्घटना बीमा कवर, सिर्फ ₹20 प्रति वर्ष के प्रीमियम पर — दुर्घटना में मृत्यु या पूर्ण दिव्यांगता पर ₹2 लाख, आंशिक दिव्यांगता पर ₹1 लाख।",
      "benefit_amount_hi": "₹2,00,000 (मृत्यु/पूर्ण दिव्यांगता), ₹20/वर्ष प्रीमियम"
    },
    {
      "slug": "pm-kisan-maandhan-yojana",
      "code": "CS-AGR-028",
      "name": "PM Kisan Maandhan Yojana (PM-KMY)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Agriculture & Farmers Welfare",
      "category": "social-welfare-empowerment",
      "audience": [
        "small and marginal farmers"
      ],
      "summary": "A voluntary pension scheme for small and marginal farmers, guaranteeing ₹3,000/month after age 60 in exchange for a small monthly contribution (₹55–₹200, matched equally by the government) paid between ages 18 and 40.",
      "benefit_amount": "₹3,000/month guaranteed pension from age 60",
      "launched": "2019",
      "last_verified": "2026-09-01",
      "official_url": "https://pmkmy.gov.in",
      "name_hi": "प्रधानमंत्री किसान मानधन योजना",
      "summary_hi": "छोटे और सीमांत किसानों के लिए एक स्वैच्छिक पेंशन योजना — 60 वर्ष की उम्र के बाद हर महीने ₹3,000 की गारंटीड पेंशन, मामूली मासिक अंशदान पर।",
      "benefit_amount_hi": "₹3,000/माह पेंशन (60 वर्ष के बाद)"
    },
    {
      "slug": "eshram-card",
      "code": "CS-SWE-013",
      "name": "e-Shram Card",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Labour & Employment",
      "category": "social-welfare-empowerment",
      "audience": [
        "unorganised sector workers",
        "gig workers",
        "migrant workers"
      ],
      "summary": "A free, lifetime national ID (UAN) for unorganised-sector workers — daily wage, domestic, construction, gig and farm labour — that links them to ₹2 lakh accident insurance and priority access to worker welfare schemes and relief transfers.",
      "benefit_amount": "Free UAN + ₹2,00,000 accident insurance linkage",
      "launched": "2021",
      "last_verified": "2026-09-01",
      "official_url": "https://eshram.gov.in",
      "name_hi": "ई-श्रम कार्ड",
      "summary_hi": "असंगठित क्षेत्र के श्रमिकों का राष्ट्रीय डेटाबेस — मुफ्त पंजीकरण से एक यूनिवर्सल अकाउंट नंबर (UAN) मिलता है, जो सामाजिक सुरक्षा योजनाओं और ₹2 लाख दुर्घटना बीमा कवर तक पहुंच खोलता है।",
      "benefit_amount_hi": "मुफ्त पंजीकरण + ₹2,00,000 दुर्घटना बीमा कवर"
    },
    {
      "slug": "pmegp",
      "code": "CS-BIZ-007",
      "name": "PM Employment Generation Programme (PMEGP)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Micro, Small & Medium Enterprises",
      "category": "business-entrepreneurship",
      "audience": [
        "new entrepreneurs",
        "first-time business owners"
      ],
      "summary": "A credit-linked subsidy scheme funding new micro-enterprises — the government pays 15–35% of the project cost as a direct subsidy on your bank loan, up to ₹50 lakh for manufacturing or ₹20 lakh for services.",
      "benefit_amount": "15%–35% margin-money subsidy; up to ₹50,00,000 project cost",
      "launched": "2008",
      "last_verified": "2026-09-01",
      "official_url": "https://www.kviconline.gov.in/pmegpeportal",
      "name_hi": "प्रधानमंत्री रोजगार सृजन कार्यक्रम (PMEGP)",
      "summary_hi": "नया सूक्ष्म उद्यम शुरू करने के लिए 15% से 35% तक की सब्सिडी (शहरी/ग्रामीण और श्रेणी के अनुसार), विनिर्माण के लिए ₹50 लाख और सेवा क्षेत्र के लिए ₹20 लाख तक की परियोजना लागत पर।",
      "benefit_amount_hi": "15%–35% सब्सिडी, परियोजना लागत पर"
    },
    {
      "slug": "mgnrega",
      "code": "CS-SKL-001",
      "name": "MGNREGA (Mahatma Gandhi National Rural Employment Guarantee Act)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Rural Development",
      "category": "skills-employment",
      "audience": [
        "rural households",
        "unskilled manual labourers"
      ],
      "summary": "Legal guarantee of 100 days of paid unskilled manual work per year to every rural household that wants it, with work to start within 15 days or an unemployment allowance becomes payable.",
      "benefit_amount": "100 days/year guaranteed work at the state's notified wage rate",
      "launched": "2006",
      "last_verified": "2026-09-01",
      "official_url": "https://nrega.nic.in",
      "name_hi": "मनरेगा (महात्मा गांधी राष्ट्रीय ग्रामीण रोजगार गारंटी अधिनियम)",
      "summary_hi": "हर ग्रामीण परिवार को साल में 100 दिन के गारंटीड अकुशल मजदूरी वाले रोजगार का कानूनी अधिकार — मांगने पर 15 दिनों के भीतर काम न मिलने पर बेरोजगारी भत्ता भी।",
      "benefit_amount_hi": "100 दिन/वर्ष गारंटीड रोजगार, राज्य की मजदूरी दर पर"
    },
    {
      "slug": "pmmvy",
      "code": "CS-WMC-004",
      "name": "PM Matru Vandana Yojana (PMMVY)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Women & Child Development",
      "category": "women-child",
      "audience": [
        "pregnant women",
        "lactating mothers"
      ],
      "summary": "Cash maternity benefit for pregnant and lactating women — ₹5,000 for the first living child, and an additional ₹6,000 if the second child is a girl — to partly offset wage loss and encourage proper antenatal care.",
      "benefit_amount": "₹5,000 (1st child) + ₹6,000 (2nd child, if a girl)",
      "launched": "2017",
      "last_verified": "2026-09-01",
      "official_url": "https://pmmvy.wcd.gov.in",
      "name_hi": "प्रधानमंत्री मातृ वंदना योजना (PMMVY)",
      "summary_hi": "पहले बच्चे के जन्म पर गर्भवती और स्तनपान कराने वाली महिलाओं को ₹5,000 की नकद सहायता — पोषण और आराम के लिए, मज़दूरी के नुकसान की भरपाई हेतु।",
      "benefit_amount_hi": "₹5,000 (पहला बच्चा); दूसरी बेटी के लिए ₹6,000"
    },
    {
      "slug": "pm-poshan",
      "code": "CS-EDU-002",
      "name": "PM POSHAN (Pradhan Mantri Poshan Shakti Nirman)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Education",
      "category": "education-learning",
      "audience": [
        "school students"
      ],
      "summary": "One free hot cooked meal every school day for children from pre-primary (Bal Vatika) through Class 8 in government and government-aided schools — formerly known as the Mid-Day Meal Scheme.",
      "benefit_amount": "Free daily hot meal (450–700 calories, by age group)",
      "launched": "1995 (renamed PM POSHAN in 2021)",
      "last_verified": "2026-09-01",
      "official_url": "https://pmposhan.education.gov.in",
      "name_hi": "पीएम पोषण (मध्याह्न भोजन योजना)",
      "summary_hi": "सरकारी और सरकारी सहायता प्राप्त स्कूलों में पढ़ने वाले बच्चों को स्कूल के दिनों में मुफ्त, पौष्टिक भोजन — पोषण सुधारने और बच्चों को स्कूल में बनाए रखने के लिए।",
      "benefit_amount_hi": "मुफ्त दोपहर का भोजन, हर स्कूल दिन"
    },
    {
      "slug": "janani-suraksha-yojana",
      "code": "CS-HLT-005",
      "name": "Janani Suraksha Yojana (JSY)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Health & Family Welfare",
      "category": "health-wellness",
      "audience": [
        "pregnant women",
        "BPL households"
      ],
      "summary": "Cash incentive for poor pregnant women to deliver in a government or accredited health facility rather than at home, paired with free and cashless delivery care under the linked JSSK programme.",
      "benefit_amount": "₹600–₹1,400 (institutional delivery, by state category); ₹500 (home delivery)",
      "launched": "2005",
      "last_verified": "2026-09-01",
      "official_url": "https://nhm.gov.in",
      "name_hi": "जननी सुरक्षा योजना (JSY)",
      "summary_hi": "गरीब गर्भवती महिलाओं को संस्थागत प्रसव (अस्पताल में डिलीवरी) के लिए नकद सहायता — मातृ और शिशु मृत्यु दर कम करने के लिए, आशा कार्यकर्ता के सहयोग से।",
      "benefit_amount_hi": "₹700–₹1,400 (ग्रामीण/शहरी अनुसार)"
    },
    {
      "slug": "jal-jeevan-mission",
      "code": "CS-UTL-001",
      "name": "Jal Jeevan Mission (Har Ghar Jal)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Jal Shakti",
      "category": "utility-sanitation",
      "audience": [
        "rural households"
      ],
      "summary": "Free functional household tap connection for every rural home, delivering at least 55 litres of potable water per person per day, funded jointly by the Centre and states.",
      "benefit_amount": "Free tap connection (household bears no installation cost)",
      "launched": "15 August 2019",
      "last_verified": "2026-09-01",
      "official_url": "https://jaljeevanmission.gov.in",
      "name_hi": "जल जीवन मिशन (हर घर जल)",
      "summary_hi": "हर ग्रामीण घर तक नल से पीने योग्य पानी पहुंचाने का राष्ट्रीय मिशन — व्यक्तिगत घरेलू नल कनेक्शन के ज़रिए, महिलाओं और बच्चों को दूर से पानी लाने की मेहनत से मुक्ति।",
      "benefit_amount_hi": "मुफ्त घरेलू नल जल कनेक्शन"
    },
    {
      "slug": "swachh-bharat-mission-gramin",
      "code": "CS-UTL-002",
      "name": "Swachh Bharat Mission – Gramin (SBM-G)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Jal Shakti",
      "category": "utility-sanitation",
      "audience": [
        "rural households without a toilet"
      ],
      "summary": "₹12,000 financial incentive for eligible rural households to build an individual household toilet (IHHL), aimed at ending open defecation and sustaining Open Defecation Free (ODF) status.",
      "benefit_amount": "₹12,000 (₹7,200 Centre + ₹4,800 State; higher in NE/special category states)",
      "launched": "2 October 2014",
      "last_verified": "2026-09-01",
      "official_url": "https://sbm.gov.in",
      "name_hi": "स्वच्छ भारत मिशन-ग्रामीण (SBM-G)",
      "summary_hi": "ग्रामीण परिवारों को घर में शौचालय बनाने के लिए वित्तीय सहायता — खुले में शौच मुक्त भारत के लक्ष्य के साथ, अब ठोस-तरल अपशिष्ट प्रबंधन पर भी ध्यान।",
      "benefit_amount_hi": "₹12,000 शौचालय निर्माण हेतु प्रोत्साहन राशि"
    },
    {
      "slug": "beti-bachao-beti-padhao",
      "code": "CS-WMC-001",
      "name": "Beti Bachao Beti Padhao (BBBP)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Women & Child Development",
      "category": "women-child",
      "audience": [
        "girl children",
        "families",
        "communities"
      ],
      "summary": "A nationwide awareness and convergence campaign to address India's declining child sex ratio and promote the survival, protection and education of the girl child, run through District Task Forces in every district.",
      "benefit_amount": "Awareness, district-level action plans, and links to schemes like Sukanya Samriddhi Yojana",
      "launched": "22 January 2015",
      "last_verified": "2026-09-01",
      "official_url": "https://wcd.nic.in",
      "name_hi": "बेटी बचाओ, बेटी पढ़ाओ (BBBP)",
      "summary_hi": "घटते बाल लिंगानुपात को सुधारने और बेटियों की शिक्षा सुनिश्चित करने के लिए एक जागरूकता एवं कार्यक्रम अभियान — प्रत्यक्ष नकद लाभ नहीं, बल्कि नीति और सामुदायिक स्तर का हस्तक्षेप।",
      "benefit_amount_hi": "जागरूकता एवं नीति कार्यक्रम (प्रत्यक्ष नकद लाभ नहीं)"
    },
    {
      "slug": "kisan-credit-card",
      "code": "CS-AGR-002",
      "name": "Kisan Credit Card (KCC)",
      "level": "central",
      "state": null,
      "ministry": "Department of Financial Services, Ministry of Finance",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers",
        "tenant farmers",
        "sharecroppers",
        "dairy/fishery farmers"
      ],
      "summary": "A revolving credit facility for farmers to cover crop production, post-harvest expenses, and allied activities like dairy and fisheries — up to ₹2 lakh collateral-free, at an effective interest rate as low as 4% for timely repayers.",
      "benefit_amount": "Up to ₹5,00,000 credit limit; ₹2,00,000 collateral-free; 4% effective interest (with prompt repayment)",
      "launched": "1998",
      "last_verified": "2026-09-01",
      "official_url": "https://www.pmkisan.gov.in",
      "name_hi": "किसान क्रेडिट कार्ड (KCC)",
      "summary_hi": "किसानों के लिए बीज, खाद और अन्य खेती खर्चों हेतु आसान, कम ब्याज वाला ऋण — एक क्रेडिट कार्ड की तरह, ज़रूरत पड़ने पर निकासी की सुविधा के साथ।",
      "benefit_amount_hi": "₹3,00,000 तक 4% रियायती ब्याज पर (समय पर चुकाने पर)"
    },
    {
      "slug": "pm-kusum-yojana",
      "code": "CS-AGR-031",
      "name": "PM-KUSUM (Kisan Urja Suraksha evam Utthaan Mahabhiyan)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of New & Renewable Energy",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers"
      ],
      "summary": "Subsidy for farmers to install solar irrigation pumps or set up small solar power plants on their land, cutting diesel/grid dependency and letting farmers sell surplus power back to the DISCOM.",
      "benefit_amount": "Up to 60% combined central+state subsidy on solar pumps",
      "launched": "March 2019",
      "last_verified": "2026-09-01",
      "official_url": "https://pmkusum.mnre.gov.in",
      "name_hi": "पीएम-कुसुम योजना",
      "summary_hi": "किसानों को खेतों में सोलर पंप लगाने और सोलर पावर प्लांट के ज़रिए बिजली बेचने के लिए सब्सिडी — डीज़ल पंप पर निर्भरता कम करने और अतिरिक्त आय के लिए।",
      "benefit_amount_hi": "सोलर पंप पर 60% तक सब्सिडी + 30% रियायती ऋण"
    },
    {
      "slug": "national-pension-system",
      "code": "CS-FIN-041",
      "name": "National Pension System (NPS)",
      "level": "central",
      "state": null,
      "ministry": "Pension Fund Regulatory and Development Authority (PFRDA)",
      "category": "banking-financial-insurance",
      "audience": [
        "working professionals",
        "self-employed individuals",
        "general public"
      ],
      "summary": "A voluntary, market-linked retirement savings account open to any Indian aged 18–70, with tax deductions up to ₹2 lakh combined and a choice of equity/debt investment mix, maturing into a pension plus lump sum at 60.",
      "benefit_amount": "Tax deduction up to ₹2,00,000 (Sec 80C + 80CCD(1B)); market-linked returns",
      "launched": "2004 (opened to all citizens, 2009)",
      "last_verified": "2026-09-01",
      "official_url": "https://enps.nsdl.com",
      "name_hi": "राष्ट्रीय पेंशन प्रणाली (NPS)",
      "summary_hi": "एक बाज़ार-आधारित, स्वैच्छिक सेवानिवृत्ति बचत योजना — नियमित अंशदान करें, और सेवानिवृत्ति पर एकमुश्त राशि के साथ-साथ मासिक पेंशन पाएं।",
      "benefit_amount_hi": "बाज़ार-आधारित रिटर्न; कर लाभ धारा 80CCD के तहत"
    },
    {
      "slug": "senior-citizens-savings-scheme",
      "code": "CS-FIN-047",
      "name": "Senior Citizens Savings Scheme (SCSS)",
      "level": "central",
      "state": null,
      "ministry": "Department of Economic Affairs, Ministry of Finance",
      "category": "banking-financial-insurance",
      "audience": [
        "senior citizens",
        "retirees"
      ],
      "summary": "A government-backed savings scheme for citizens 60+ (or retirees 55+/50+ under special conditions), offering a guaranteed 8.2% annual interest paid quarterly on deposits up to ₹30 lakh, with tax benefits under Section 80C.",
      "benefit_amount": "8.2% p.a. (Q1 FY2026-27), on deposits up to ₹30,00,000",
      "launched": "2004",
      "last_verified": "2026-09-01",
      "official_url": "https://www.indiapost.gov.in",
      "name_hi": "वरिष्ठ नागरिक बचत योजना (SCSS)",
      "summary_hi": "60 वर्ष या उससे अधिक उम्र के नागरिकों के लिए एक सरकार-गारंटीड, उच्च-ब्याज बचत योजना — 5 वर्ष की अवधि, तिमाही ब्याज भुगतान के साथ।",
      "benefit_amount_hi": "8.2% वार्षिक ब्याज (तिमाही भुगतान)"
    },
    {
      "slug": "ayushman-arogya-mandir",
      "code": "CS-HLT-001",
      "name": "Ayushman Arogya Mandir (AB-HWC)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Health & Family Welfare",
      "category": "health-wellness",
      "audience": [
        "general public"
      ],
      "summary": "Free primary healthcare at 1.7 lakh+ upgraded local health centres — 12 service packages including disease screening, free essential medicines, diagnostics, maternal and geriatric care, and tele-consultation, with no card or registration needed.",
      "benefit_amount": "Free OPD, screening, 40+ medicines, 14+ diagnostic tests",
      "launched": "February 2018",
      "last_verified": "2026-09-01",
      "official_url": "https://nam.ayush.gov.in",
      "name_hi": "आयुष्मान आरोग्य मंदिर",
      "summary_hi": "गांव और शहरी मोहल्ले के स्तर पर बना प्राथमिक स्वास्थ्य केंद्र — मुफ्त जांच, दवाइयां, गैर-संक्रामक रोगों की स्क्रीनिंग, और टेलीमेडिसिन परामर्श।",
      "benefit_amount_hi": "मुफ्त जांच, दवाइयां एवं स्वास्थ्य सेवाएं"
    },
    {
      "slug": "startup-india",
      "code": "CS-BIZ-002",
      "name": "Startup India (DPIIT Recognition)",
      "level": "central",
      "state": null,
      "ministry": "Department for Promotion of Industry & Internal Trade (DPIIT)",
      "category": "business-entrepreneurship",
      "audience": [
        "startup founders",
        "Pvt Ltd companies",
        "LLPs"
      ],
      "summary": "Free government recognition for eligible startups, unlocking a 100% tax holiday (Section 80-IAC), abolished angel tax, 80% rebate on patent fees, self-certification under labour laws, and priority access to government tenders.",
      "benefit_amount": "100% tax holiday (3 years); 80% patent fee rebate; funding scheme access",
      "launched": "16 January 2016",
      "last_verified": "2026-09-01",
      "official_url": "https://www.startupindia.gov.in",
      "name_hi": "स्टार्टअप इंडिया",
      "summary_hi": "नए व्यवसायों के लिए 3 साल तक आयकर छूट, पेटेंट फाइलिंग में तेज़ी और फीस में छूट, आसान अनुपालन नियम, और फंड ऑफ फंड्स के ज़रिए स्टार्टअप्स को वित्तीय सहायता।",
      "benefit_amount_hi": "3 वर्ष कर छूट + पेटेंट/अनुपालन लाभ"
    },
    {
      "slug": "udan-scheme",
      "code": "CS-TRN-005",
      "name": "UDAN (Ude Desh ka Aam Nagrik) / Viksit UDAN",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Civil Aviation",
      "category": "transport-infrastructure",
      "audience": [
        "air travellers",
        "residents of tier-2/tier-3 cities"
      ],
      "summary": "Regional air connectivity scheme capping fares at roughly ₹2,500 for a 1-hour flight on 500+ subsidised routes connecting smaller cities — open to any passenger, no eligibility criteria or application needed.",
      "benefit_amount": "Capped fare (~₹2,500/hour of flight) on 50% of seats per flight",
      "launched": "21 October 2016 (revamped as Viksit UDAN, July 2026)",
      "last_verified": "2026-09-01",
      "official_url": "https://www.aai.aero",
      "name_hi": "उड़ान योजना (क्षेत्रीय संपर्क योजना)",
      "summary_hi": "छोटे शहरों और कस्बों को किफायती हवाई यात्रा से जोड़ने की योजना — एक घंटे की उड़ान के लिए किराया ₹2,500 तक सीमित, एयरलाइनों को सब्सिडी के ज़रिए।",
      "benefit_amount_hi": "1 घंटे की उड़ान के लिए ₹2,500 तक सीमित किराया"
    },
    {
      "slug": "post-matric-scholarship-sc",
      "code": "CS-EDU-011",
      "name": "Post-Matric Scholarship for SC Students",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Social Justice & Empowerment",
      "category": "education-learning",
      "audience": [
        "Scheduled Caste students"
      ],
      "summary": "Financial aid for Scheduled Caste students from Class 11 through PhD — covers compulsory tuition/institutional fees plus a monthly maintenance allowance, for families earning up to ₹2.5 lakh a year.",
      "benefit_amount": "Full fee reimbursement + ₹230–₹1,200/month maintenance allowance",
      "launched": "Longstanding (pre-2000; administered via NSP since 2015)",
      "last_verified": "2026-09-01",
      "official_url": "https://scholarships.gov.in",
      "name_hi": "अनुसूचित जाति छात्रों के लिए पोस्ट-मैट्रिक छात्रवृत्ति",
      "summary_hi": "कक्षा 11 के बाद पढ़ने वाले अनुसूचित जाति (SC) छात्रों को ट्यूशन फीस, रखरखाव भत्ता और अन्य शैक्षणिक खर्चों के लिए छात्रवृत्ति।",
      "benefit_amount_hi": "ट्यूशन फीस + रखरखाव भत्ता (कोर्स अनुसार भिन्न)"
    },
    {
      "slug": "rashtriya-vayoshri-yojana",
      "code": "CS-SWE-020",
      "name": "Rashtriya Vayoshri Yojana (RVY)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Social Justice & Empowerment",
      "category": "social-welfare-empowerment",
      "audience": [
        "BPL senior citizens with age-related disabilities"
      ],
      "summary": "Free assisted-living devices (walking sticks, wheelchairs, hearing aids, spectacles, dentures) for BPL senior citizens with age-related disabilities, distributed at district camps with a year of free maintenance included.",
      "benefit_amount": "Free devices (value assessed per beneficiary need)",
      "launched": "1 April 2017",
      "last_verified": "2026-09-01",
      "official_url": "https://alimco.in",
      "name_hi": "राष्ट्रीय वयोश्री योजना",
      "summary_hi": "गरीब वरिष्ठ नागरिकों को उम्र से जुड़ी दिव्यांगता के लिए मुफ्त सहायक उपकरण — जैसे वॉकिंग स्टिक, व्हीलचेयर, श्रवण यंत्र, और चश्मा।",
      "benefit_amount_hi": "मुफ्त सहायक उपकरण (वॉकर, व्हीलचेयर, श्रवण यंत्र आदि)"
    },
    {
      "slug": "van-dhan-yojana",
      "code": "CS-BIZ-028",
      "name": "PM Van Dhan Yojana (PMVDY)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Tribal Affairs (via TRIFED)",
      "category": "business-entrepreneurship",
      "audience": [
        "tribal forest-produce gatherers",
        "tribal artisans"
      ],
      "summary": "Organises tribal minor forest produce (MFP) gatherers into Self-Help Groups at Van Dhan Vikas Kendras, providing tools, training and value-addition support so raw forest produce is processed and sold at higher value, with Minimum Support Price protection.",
      "benefit_amount": "MSP for produce + free processing equipment/training per Kendra",
      "launched": "14 April 2018",
      "last_verified": "2026-09-01",
      "official_url": "https://trifed.tribal.gov.in",
      "name_hi": "वन धन योजना",
      "summary_hi": "आदिवासी समुदायों को जंगल से मिलने वाली उपज (जड़ी-बूटी, शहद, गोंद, बांस) को प्रोसेस और पैक करने के लिए प्रशिक्षण एवं सामूहिक उद्यम केंद्र — बेहतर दाम और स्थानीय रोज़गार के लिए।",
      "benefit_amount_hi": "मुफ्त प्रशिक्षण + प्रोसेसिंग उपकरण सहायता"
    },
    {
      "slug": "samagra-shiksha-abhiyan",
      "code": "CS-EDU-001",
      "name": "Samagra Shiksha Abhiyan",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Education",
      "category": "education-learning",
      "audience": [
        "school students",
        "teachers"
      ],
      "summary": "India's integrated school education scheme covering pre-school through Class 12 — funds free textbooks, uniforms, school infrastructure, teacher training, and inclusive-education support, delivered through government schools rather than individual application.",
      "benefit_amount": "Free textbooks, uniforms, and inclusive-education support (via schools)",
      "launched": "2018 (merged SSA, RMSA and Teacher Education)",
      "last_verified": "2026-09-01",
      "official_url": "https://samagra.education.gov.in",
      "name_hi": "समग्र शिक्षा अभियान",
      "summary_hi": "प्री-स्कूल से कक्षा 12 तक स्कूली शिक्षा के लिए एक एकीकृत योजना — मुफ्त किताबें, वर्दी, स्कूल बुनियादी ढांचा और शिक्षक प्रशिक्षण, सभी बच्चों तक गुणवत्तापूर्ण शिक्षा पहुंचाने के लिए।",
      "benefit_amount_hi": "मुफ्त किताबें, वर्दी एवं स्कूल सुविधाएं"
    },
    {
      "slug": "abha-card",
      "code": "CS-SCI-021",
      "name": "ABHA Card (Ayushman Bharat Digital Mission)",
      "level": "central",
      "state": null,
      "ministry": "National Health Authority (NHA)",
      "category": "science-it-communications",
      "audience": [
        "general public"
      ],
      "summary": "A free 14-digit digital health ID letting you create, store and share your medical records — prescriptions, lab reports, discharge summaries — securely with any hospital or clinic, with your consent, across India's digital health ecosystem.",
      "benefit_amount": "Free digital health ID; not linked to insurance/PM-JAY",
      "launched": "27 September 2021",
      "last_verified": "2026-09-01",
      "official_url": "https://abha.abdm.gov.in",
      "name_hi": "आभा कार्ड (आयुष्मान भारत हेल्थ अकाउंट)",
      "summary_hi": "एक डिजिटल स्वास्थ्य पहचान संख्या — आपके सभी मेडिकल रिकॉर्ड (जांच रिपोर्ट, नुस्खे, डिस्चार्ज सारांश) को एक जगह, सुरक्षित रूप से डिजिटल रूप में जोड़ती है।",
      "benefit_amount_hi": "मुफ्त डिजिटल स्वास्थ्य आईडी"
    },
    {
      "slug": "atal-innovation-mission",
      "code": "CS-SCI-005",
      "name": "Atal Innovation Mission (AIM) – Atal Tinkering Labs",
      "level": "central",
      "state": null,
      "ministry": "NITI Aayog",
      "category": "science-it-communications",
      "audience": [
        "schools",
        "students Class 6-12"
      ],
      "summary": "Grant-in-aid of ₹20 lakh over 5 years for schools (Class 6-12) to set up an Atal Tinkering Lab — a STEM workspace with robotics kits, 3D printers and electronics for hands-on innovation learning.",
      "benefit_amount": "₹20,00,000 grant per school (over 5 years)",
      "launched": "2016",
      "last_verified": "2026-09-01",
      "official_url": "https://aim.gov.in",
      "name_hi": "अटल इनोवेशन मिशन (AIM)",
      "summary_hi": "देश भर में नवाचार और उद्यमिता को बढ़ावा देने की पहल — स्कूलों में अटल टिंकरिंग लैब, इनक्यूबेशन केंद्र, और स्टार्टअप्स के लिए मार्गदर्शन एवं फंडिंग तक पहुंच।",
      "benefit_amount_hi": "लैब/इनक्यूबेटर सहायता (योजना-आधारित, कोई सीधा व्यक्तिगत नकद लाभ नहीं)"
    },
    {
      "slug": "one-nation-one-ration-card",
      "code": "CS-SWE-002",
      "name": "One Nation One Ration Card (ONORC)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Consumer Affairs, Food & Public Distribution",
      "category": "social-welfare-empowerment",
      "audience": [
        "NFSA ration cardholders",
        "migrant workers"
      ],
      "summary": "Lets any NFSA ration cardholder draw their subsidised foodgrain entitlement from any Fair Price Shop in India — not just their home state — using Aadhaar-based authentication, with no new card needed.",
      "benefit_amount": "Subsidised foodgrain, portable to any FPS nationwide",
      "launched": "2019 (nationwide by 2020)",
      "last_verified": "2026-09-01",
      "official_url": "https://impds.nic.in",
      "name_hi": "वन नेशन वन राशन कार्ड (ONORC)",
      "summary_hi": "राशन कार्ड धारकों को देश में कहीं भी, किसी भी उचित मूल्य की दुकान से अपना राशन कोटा लेने की सुविधा — प्रवासी मजदूरों के लिए विशेष रूप से उपयोगी, जो काम के लिए दूसरे राज्य जाते हैं।",
      "benefit_amount_hi": "देश में कहीं भी राशन लेने की सुविधा"
    },
    {
      "slug": "ddu-gky",
      "code": "CS-SKL-021",
      "name": "Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Rural Development",
      "category": "skills-employment",
      "audience": [
        "rural poor youth"
      ],
      "summary": "Free, residential skill training and guaranteed placement support for rural poor youth aged 15-35, with training partners required to place at least 70% of trainees in jobs paying at or above minimum wage.",
      "benefit_amount": "Free training + boarding/lodging + stipend ₹1,000–₹25,000/month",
      "launched": "25 September 2014",
      "last_verified": "2026-09-01",
      "official_url": "https://ddugky.gov.in",
      "name_hi": "दीनदयाल उपाध्याय ग्रामीण कौशल्य योजना (DDU-GKY)",
      "summary_hi": "ग्रामीण गरीब युवाओं को मुफ्त कौशल प्रशिक्षण और प्लेसमेंट सहायता — प्रशिक्षण के दौरान मुफ्त भोजन-रहना और यात्रा भत्ता, प्लेसमेंट के बाद कम से कम 3 महीने की नौकरी की गारंटी सहित।",
      "benefit_amount_hi": "मुफ्त प्रशिक्षण + आवास/भोजन + प्लेसमेंट सहायता"
    },
    {
      "slug": "cgtmse",
      "code": "CS-BIZ-011",
      "name": "Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Micro, Small & Medium Enterprises",
      "category": "business-entrepreneurship",
      "audience": [
        "MSME owners",
        "first-generation entrepreneurs"
      ],
      "summary": "Lets banks lend to micro and small enterprises without collateral or a third-party guarantor — the Trust guarantees up to 85% of the loan (up to ₹10 crore) directly to the lender, so approval rests on project viability, not assets.",
      "benefit_amount": "Collateral-free loans up to ₹10 crore (75-90% guaranteed, by category)",
      "launched": "2000",
      "last_verified": "2026-09-01",
      "official_url": "https://www.cgtmse.in",
      "name_hi": "सूक्ष्म एवं लघु उद्यमों के लिए क्रेडिट गारंटी फंड ट्रस्ट (CGTMSE)",
      "summary_hi": "छोटे व्यवसायों को बिना किसी संपत्ति गारंटी या तीसरे पक्ष की गारंटी के ₹5 करोड़ तक का ऋण दिलाने में मदद — बैंक को सरकार की ओर से गारंटी कवर मिलता है, इसलिए वह उद्यमी से गारंटी नहीं मांगता।",
      "benefit_amount_hi": "₹5,00,00,000 तक बिना गारंटी ऋण"
    },
    {
      "slug": "national-career-service",
      "code": "CS-SKL-003",
      "name": "National Career Service (NCS)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Labour & Employment",
      "category": "skills-employment",
      "audience": [
        "job seekers",
        "employers",
        "fresh graduates"
      ],
      "summary": "A free digital job-matching platform connecting job seekers with government, PSU and private vacancies, plus career counselling at 200+ Model Career Centres, skill training tie-ups, job fairs, and resume/aptitude tools.",
      "benefit_amount": "Free registration, job alerts, counselling; 31+ lakh live vacancies",
      "launched": "20 July 2015",
      "last_verified": "2026-09-01",
      "official_url": "https://www.ncs.gov.in",
      "name_hi": "राष्ट्रीय करियर सेवा (NCS)",
      "summary_hi": "नौकरी खोजने वालों और नियोक्ताओं को जोड़ने वाला एक मुफ्त ऑनलाइन पोर्टल — नौकरी सूचियां, करियर काउंसलिंग, कौशल विकास की जानकारी, और रोज़गार मेलों तक पहुंच।",
      "benefit_amount_hi": "मुफ्त नौकरी खोज, करियर काउंसलिंग एवं मेले"
    },
    {
      "slug": "national-ayush-mission",
      "code": "CS-HLT-009",
      "name": "National AYUSH Mission (NAM)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of AYUSH",
      "category": "health-wellness",
      "audience": [
        "general public"
      ],
      "summary": "Expands access to free/low-cost Ayurveda, Yoga, Unani, Siddha and Homoeopathy healthcare by co-locating AYUSH facilities at PHCs, CHCs and District Hospitals, and upgrading dispensaries into AYUSH Health & Wellness Centres.",
      "benefit_amount": "Free/subsidised AYUSH consultation and medicines at public facilities",
      "launched": "15 September 2014",
      "last_verified": "2026-09-01",
      "official_url": "https://namayush.gov.in",
      "name_hi": "राष्ट्रीय आयुष मिशन (NAM)",
      "summary_hi": "आयुर्वेद, योग, यूनानी, सिद्ध और होम्योपैथी (AYUSH) को मुख्यधारा के स्वास्थ्य ढांचे से जोड़ने की योजना — आयुष अस्पताल, डिस्पेंसरी और शिक्षण संस्थानों के निर्माण एवं उन्नयन के लिए।",
      "benefit_amount_hi": "आयुष स्वास्थ्य केंद्रों एवं सेवाओं का विस्तार"
    },
    {
      "slug": "pmfme-scheme",
      "code": "CS-BIZ-036",
      "name": "PM Formalisation of Micro Food Processing Enterprises (PMFME)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Food Processing Industries",
      "category": "business-entrepreneurship",
      "audience": [
        "micro food processing entrepreneurs",
        "FPOs",
        "SHGs",
        "cooperatives"
      ],
      "summary": "35% credit-linked capital subsidy (up to ₹10 lakh) to formalise and upgrade micro food processing units, with an added ₹40,000 seed capital per member for Self-Help Groups, plus branding, common infrastructure and market-linkage support.",
      "benefit_amount": "35% subsidy, up to ₹10,00,000 per unit",
      "launched": "June 2020",
      "last_verified": "2026-09-01",
      "official_url": "https://pmfme.mofpi.gov.in",
      "name_hi": "पीएम सूक्ष्म खाद्य प्रसंस्करण उद्यम योजना (PMFME)",
      "summary_hi": "असंगठित क्षेत्र के सूक्ष्म खाद्य प्रसंस्करण उद्यमों (अचार, पापड़, मसाले आदि बनाने वाले) को आधुनिकीकरण के लिए 35% तक सब्सिडी, ऋण और प्रशिक्षण सहायता।",
      "benefit_amount_hi": "35% सब्सिडी (अधिकतम ₹10 लाख प्रति इकाई)"
    },
    {
      "slug": "public-provident-fund",
      "code": "CS-FIN-001",
      "name": "Public Provident Fund (PPF)",
      "level": "central",
      "state": null,
      "ministry": "Department of Economic Affairs, Ministry of Finance",
      "category": "banking-financial-insurance",
      "audience": [
        "general public",
        "long-term savers"
      ],
      "summary": "A 15-year, government-backed savings account paying 7.1% tax-free interest, with full EEE tax exemption on deposits, interest and maturity — one Indian resident can hold only one PPF account.",
      "benefit_amount": "7.1% p.a. tax-free; deposits ₹500–₹1,50,000/year",
      "launched": "1968",
      "last_verified": "2026-09-01",
      "official_url": "https://www.indiapost.gov.in",
      "name_hi": "पब्लिक प्रोविडेंट फंड (PPF)",
      "summary_hi": "एक दीर्घकालिक, सरकार-गारंटीड बचत योजना — 15 वर्ष की लॉक-इन अवधि, कर-मुक्त ब्याज, और धारा 80C के तहत कर छूट, किसी भी भारतीय नागरिक के लिए खुली।",
      "benefit_amount_hi": "7.1% वार्षिक ब्याज (तिमाही समीक्षा), पूर्णतः कर-मुक्त"
    },
    {
      "slug": "e-nam",
      "code": "CS-AGR-005",
      "name": "e-NAM (National Agriculture Market)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Agriculture & Farmers Welfare (via SFAC)",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers",
        "traders",
        "FPOs"
      ],
      "summary": "A free online trading platform networking 1,650+ mandis nationwide, letting farmers sell produce to buyers anywhere in India through competitive e-bidding, with quality assaying and direct bank payment — instead of being limited to their local mandi.",
      "benefit_amount": "Free registration; better price discovery via nationwide bidding",
      "launched": "14 April 2016",
      "last_verified": "2026-09-01",
      "official_url": "https://enam.gov.in",
      "name_hi": "ई-नाम (राष्ट्रीय कृषि बाज़ार)",
      "summary_hi": "किसानों को अपनी उपज देश भर की मंडियों में ऑनलाइन बेचने की सुविधा — एक ही डिजिटल प्लेटफॉर्म पर, ताकि बेहतर दाम मिल सकें और बिचौलियों पर निर्भरता कम हो।",
      "benefit_amount_hi": "ऑनलाइन कृषि उपज बिक्री, बेहतर मूल्य पहुंच"
    },
    {
      "slug": "rashtriya-krishi-vikas-yojana",
      "code": "CS-AGR-001",
      "name": "Rashtriya Krishi Vikas Yojana (RKVY) / PM-RKVY",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Agriculture & Farmers Welfare",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers",
        "agri-entrepreneurs",
        "FPOs"
      ],
      "summary": "Central funding for state-designed agriculture projects — infrastructure, crop diversification, soil/water conservation — plus a RAFTAAR sub-component offering agri-startup and entrepreneurship grants up to ₹25 lakh.",
      "benefit_amount": "Varies by state project; agri-startup grants up to ₹25,00,000",
      "launched": "2007 (revamped as PM-RKVY, October 2024)",
      "last_verified": "2026-09-01",
      "official_url": "https://rkvy.nic.in",
      "name_hi": "राष्ट्रीय कृषि विकास योजना (RKVY)",
      "summary_hi": "राज्यों को अपनी कृषि प्राथमिकताओं के अनुसार परियोजनाएं चुनने और लागू करने के लिए वित्तीय सहायता — फसल विविधीकरण, सिंचाई, कृषि-बुनियादी ढांचा और नई तकनीक अपनाने के लिए।",
      "benefit_amount_hi": "राज्यों के माध्यम से कृषि परियोजना सहायता"
    },
    {
      "slug": "national-cyber-crime-reporting-portal",
      "code": "CS-PSJ-002",
      "name": "National Cyber Crime Reporting Portal (NCRP) / 1930 Helpline",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Home Affairs (I4C)",
      "category": "public-safety-law-justice",
      "audience": [
        "cybercrime and online fraud victims"
      ],
      "summary": "Free national portal and 24x7 helpline (1930) for reporting cybercrime and financial fraud, with priority routing that can trigger an emergency hold on fraudulently transferred funds before they're moved further.",
      "benefit_amount": "Free reporting; ₹11,158+ crore held in fraud cases to date",
      "launched": "2020 (helpline); 11 December 2023 (portal)",
      "last_verified": "2026-09-01",
      "official_url": "https://cybercrime.gov.in",
      "name_hi": "राष्ट्रीय साइबर अपराध रिपोर्टिंग पोर्टल",
      "summary_hi": "साइबर अपराध — ऑनलाइन धोखाधड़ी, महिलाओं/बच्चों के खिलाफ अपराध, हैकिंग — की मुफ्त ऑनलाइन शिकायत दर्ज करने की सुविधा, टोल-फ्री हेल्पलाइन 1930 के साथ।",
      "benefit_amount_hi": "मुफ्त ऑनलाइन शिकायत दर्ज करने की सुविधा"
    },
    {
      "slug": "pan-2-0",
      "code": "CS-TAX-004",
      "name": "PAN 2.0 Project",
      "level": "central",
      "state": null,
      "ministry": "Income Tax Department, Ministry of Finance",
      "category": "tax-revenue",
      "audience": [
        "PAN card holders",
        "taxpayers"
      ],
      "summary": "A free upgrade of every existing PAN card to a QR-code-enabled e-PAN for instant digital verification, plus a unified single portal replacing the separate NSDL/UTIITSL systems — automatic for all current holders, no reapplication needed.",
      "benefit_amount": "Free e-PAN upgrade (₹50 for a physical reprint)",
      "launched": "25 November 2024 (Cabinet approval)",
      "last_verified": "2026-09-01",
      "official_url": "https://www.incometax.gov.in",
      "name_hi": "पैन 2.0 (PAN 2.0)",
      "summary_hi": "मौजूदा पैन कार्ड को अपग्रेड करने की परियोजना — QR कोड आधारित, अधिक सुरक्षित पैन कार्ड, बेहतर डिजिटल सत्यापन के साथ; मौजूदा पैन नंबर नहीं बदलता, कार्ड मुफ्त अपग्रेड होता है।",
      "benefit_amount_hi": "मुफ्त उन्नत पैन कार्ड (QR कोड सहित)"
    },
    {
      "slug": "target-olympic-podium-scheme",
      "code": "CS-SPC-001",
      "name": "Target Olympic Podium Scheme (TOPS)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Youth Affairs & Sports",
      "category": "sports-culture",
      "audience": [
        "elite athletes with Olympic/Paralympic medal potential"
      ],
      "summary": "Comprehensive support for India's top Olympic and Paralympic medal prospects — customised coaching, international exposure, equipment, and a monthly Out-of-Pocket Allowance of ₹50,000 (Core Group) or ₹25,000 (Development Group).",
      "benefit_amount": "₹25,000–₹50,000/month allowance + full training support",
      "launched": "September 2014 (revamped 2018)",
      "last_verified": "2026-09-01",
      "official_url": "https://yas.nic.in",
      "name_hi": "टारगेट ओलंपिक पोडियम स्कीम (TOPS)",
      "summary_hi": "ओलंपिक पदक जीतने की क्षमता रखने वाले भारतीय खिलाड़ियों को विश्व-स्तरीय प्रशिक्षण, कोचिंग, उपकरण और वित्तीय सहायता — व्यक्तिगत रूप से चुने गए एलीट एथलीटों के लिए।",
      "benefit_amount_hi": "प्रशिक्षण, कोचिंग एवं उपकरण सहायता (चयनित एथलीट)"
    },
    {
      "slug": "affordable-rental-housing-complexes",
      "code": "CS-HSG-004",
      "name": "Affordable Rental Housing Complexes (ARHC)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Housing & Urban Affairs",
      "category": "housing-shelter",
      "audience": [
        "urban migrant workers",
        "students",
        "urban poor"
      ],
      "summary": "Affordable rental housing (single rooms, or dormitory beds) near workplaces for urban migrant workers, street vendors, students and the urban poor, built by converting vacant government housing or through private/public entities on their own land.",
      "benefit_amount": "Regulated affordable rent (no ownership/loan involved)",
      "launched": "14 May 2020",
      "last_verified": "2026-09-01",
      "official_url": "https://arhc.mohua.gov.in",
      "name_hi": "किफायती किराया आवास परिसर (ARHC)",
      "summary_hi": "शहरी प्रवासी मजदूरों और गरीब शहरी परिवारों को बहुत ही किफायती किराए पर तैयार मकान — मौजूदा सरकारी आवासीय भवनों को किराए के परिसरों में बदलकर या नए निर्माण के ज़रिए।",
      "benefit_amount_hi": "बाज़ार दर से काफी कम किराए पर मकान"
    },
    {
      "slug": "dekho-apna-desh",
      "code": "CS-TRV-006",
      "name": "Dekho Apna Desh Campaign 2.0",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Tourism",
      "category": "travel-tourism",
      "audience": [
        "domestic travellers",
        "general public"
      ],
      "summary": "A domestic tourism awareness campaign encouraging citizens to explore lesser-known Indian destinations, running webinars, a People's Choice destination poll, and promotional content across spiritual, heritage, nature, adventure and rural tourism categories.",
      "benefit_amount": "Awareness/promotion; no direct individual monetary benefit",
      "launched": "January 2020 (revamped as 2.0 in 2024)",
      "last_verified": "2026-09-01",
      "official_url": "https://www.incredibleindia.gov.in",
      "name_hi": "देखो अपना देश पहल",
      "summary_hi": "भारतीय नागरिकों को अपने ही देश में घरेलू पर्यटन के लिए प्रेरित करने वाला जागरूकता अभियान — वेबिनार, यात्रा जानकारी, और कम-प्रसिद्ध पर्यटन स्थलों को बढ़ावा देने पर केंद्रित।",
      "benefit_amount_hi": "जागरूकता एवं जानकारी अभियान (कोई सीधा वित्तीय लाभ नहीं)"
    },
    {
      "slug": "pm-yasasvi",
      "code": "CS-EDU-019",
      "name": "PM YASASVI (Young Achievers Scholarship Award Scheme for Vibrant India)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Social Justice & Empowerment",
      "category": "education-learning",
      "audience": [
        "OBC students",
        "EBC students",
        "DNT/nomadic tribe students"
      ],
      "summary": "Merit-based scholarships for OBC, EBC and DNT (Denotified, Nomadic and Semi-Nomadic Tribe) students, covering tuition, hostel and other fees from Class 9 through undergraduate study at designated Top Class institutions.",
      "benefit_amount": "₹75,000/year (Class 9-10); ₹1,25,000/year (Class 11-12+)",
      "launched": "2021",
      "last_verified": "2026-09-01",
      "official_url": "https://scholarships.gov.in",
      "name_hi": "पीएम यशस्वी योजना",
      "summary_hi": "अन्य पिछड़ा वर्ग (OBC), आर्थिक रूप से पिछड़ा वर्ग (EBC), और घुमंतू/अर्ध-घुमंतू जनजाति (DNT) के छात्रों के लिए प्री-मैट्रिक और पोस्ट-मैट्रिक छात्रवृत्ति — ट्यूशन फीस और रखरखाव भत्ते के साथ।",
      "benefit_amount_hi": "ट्यूशन फीस + रखरखाव भत्ता (कक्षा अनुसार)"
    },
    {
      "slug": "bharatmala-pariyojana",
      "code": "CS-TRN-001",
      "name": "Bharatmala Pariyojana",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Road Transport & Highways",
      "category": "transport-infrastructure",
      "audience": [
        "general public",
        "freight and logistics sector"
      ],
      "summary": "India's flagship national highway development programme, building 34,800 km of economic corridors, feeder routes, border and coastal roads and expressways to cut logistics costs and improve nationwide connectivity — infrastructure, not an individual benefit.",
      "benefit_amount": "₹10.63 lakh crore outlay; 22,500+ km completed by March 2026",
      "launched": "October 2017",
      "last_verified": "2026-09-01",
      "official_url": "https://nhai.gov.in",
      "name_hi": "भारतमाला परियोजना",
      "summary_hi": "देश भर में राष्ट्रीय राजमार्गों के नेटवर्क को बेहतर बनाने का बड़ा कार्यक्रम — आर्थिक गलियारे, सीमा एवं तटीय सड़कें, और लॉजिस्टिक्स पार्क, ताकि माल और यात्रियों की आवाजाही तेज़ और सुरक्षित हो।",
      "benefit_amount_hi": "राष्ट्रीय राजमार्ग बुनियादी ढांचा (कोई व्यक्तिगत लाभ नहीं)"
    },
    {
      "slug": "soil-health-card-scheme",
      "code": "CS-AGR-004",
      "name": "Soil Health Card Scheme",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Agriculture & Farmers Welfare",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers"
      ],
      "summary": "Free soil testing every 2-3 years, giving farmers a card detailing 12 soil nutrient parameters plus crop-specific fertiliser recommendations — helping cut fertiliser costs by 8-10% while improving yields.",
      "benefit_amount": "Free soil testing + personalised fertiliser advisory",
      "launched": "February 2015",
      "last_verified": "2026-09-01",
      "official_url": "https://soilhealth.dac.gov.in",
      "name_hi": "मृदा स्वास्थ्य कार्ड योजना",
      "summary_hi": "किसानों को अपनी मिट्टी की पोषक तत्व स्थिति की मुफ्त जांच रिपोर्ट — कौन सी फसल के लिए कितनी खाद चाहिए, इसकी सटीक सिफारिश के साथ, ताकि उर्वरक का सही इस्तेमाल हो सके।",
      "benefit_amount_hi": "मुफ्त मिट्टी जांच एवं खाद सिफारिश रिपोर्ट"
    },
    {
      "slug": "pm-krishi-sinchayee-yojana",
      "code": "CS-AGR-003",
      "name": "PM Krishi Sinchayee Yojana (PMKSY) – Per Drop More Crop",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Agriculture & Farmers Welfare / Jal Shakti",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers",
        "water user associations"
      ],
      "summary": "Subsidy of 45-55% for installing drip or sprinkler micro-irrigation systems, plus support for farm ponds and watershed development, aimed at bringing water to every farm and cutting water use by 30-50%.",
      "benefit_amount": "45% (general) / 55% (small & marginal farmers) subsidy",
      "launched": "1 July 2015",
      "last_verified": "2026-09-01",
      "official_url": "https://pmksy.gov.in",
      "name_hi": "प्रधानमंत्री कृषि सिंचाई योजना (PMKSY)",
      "summary_hi": "\"हर खेत को पानी\" के लक्ष्य के साथ सिंचाई सुविधाओं के विस्तार, ड्रिप/स्प्रिंकलर जैसी सूक्ष्म सिंचाई तकनीक अपनाने, और जल संरक्षण के लिए किसानों और राज्यों को सहायता।",
      "benefit_amount_hi": "सूक्ष्म सिंचाई पर 55%–80% तक सब्सिडी (श्रेणी अनुसार)"
    },
    {
      "slug": "kisan-vikas-patra",
      "code": "CS-FIN-004",
      "name": "Kisan Vikas Patra (KVP)",
      "level": "central",
      "state": null,
      "ministry": "Department of Economic Affairs, Ministry of Finance",
      "category": "banking-financial-insurance",
      "audience": [
        "general public",
        "long-term savers"
      ],
      "summary": "A government-backed savings certificate, sold through post offices and select banks, that doubles a lump-sum deposit in about 115 months at a fixed, guaranteed interest rate — open to any resident Indian, not only farmers despite the name.",
      "benefit_amount": "7.5% p.a. (Q3 FY2026-27); doubles investment in ~115 months",
      "launched": "1988 (relaunched 2014)",
      "last_verified": "2026-09-01",
      "official_url": "https://www.indiapost.gov.in",
      "name_hi": "किसान विकास पत्र (KVP)",
      "summary_hi": "एक सरल, सरकार-गारंटीड बचत प्रमाण पत्र — जमा राशि एक तय अवधि (लगभग 115 महीने) में दोगुनी हो जाती है, डाकघर और अधिकृत बैंकों में उपलब्ध।",
      "benefit_amount_hi": "7.5% वार्षिक ब्याज — राशि ~115 महीनों में दोगुनी"
    },
    {
      "slug": "national-handloom-development-programme",
      "code": "CS-BIZ-014",
      "name": "National Handloom Development Programme (NHDP)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Textiles",
      "category": "business-entrepreneurship",
      "audience": [
        "handloom weavers",
        "weaver SHGs and cooperatives"
      ],
      "summary": "Support for handloom weavers — raw material, upgraded looms and toolkits, design and marketing help, Urban Haats, concessional Weavers' MUDRA loans, and an education scholarship (up to ₹2 lakh/year) for weavers' children.",
      "benefit_amount": "Need-based assistance; weaver child scholarship up to ₹2,00,000/year",
      "launched": "2021-22 (continuing scheme)",
      "last_verified": "2026-09-01",
      "official_url": "https://handlooms.nic.in",
      "name_hi": "राष्ट्रीय हथकरघा विकास कार्यक्रम",
      "summary_hi": "हथकरघा बुनकरों को कच्चा धागा, आधुनिक करघा, डिज़ाइन प्रशिक्षण, और बाज़ार तक पहुंच के लिए सहायता — बुनकर सहकारी समितियों के ज़रिए बेहतर आय सुनिश्चित करने के लिए।",
      "benefit_amount_hi": "करघा उन्नयन सब्सिडी + बाज़ार पहुंच सहायता"
    },
    {
      "slug": "pm-svamitva-yojana",
      "code": "CS-AGR-040",
      "name": "PM SVAMITVA Yojana",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Panchayati Raj",
      "category": "agriculture-rural-environment",
      "audience": [
        "rural property owners"
      ],
      "summary": "Drone-mapped legal property cards for rural households living in village 'abadi' (inhabited) areas, in possession since 25 September 2018 — usable as collateral for bank loans and to resolve long-standing land disputes.",
      "benefit_amount": "Free legal Property Card; unlocks bank loan collateral use",
      "launched": "24 April 2020",
      "last_verified": "2026-09-01",
      "official_url": "https://svamitva.nic.in",
      "name_hi": "पीएम स्वामित्व योजना",
      "summary_hi": "ड्रोन तकनीक से गांव की आबादी वाली भूमि का सर्वेक्षण कर मालिकाना हक का कानूनी दस्तावेज़ (प्रॉपर्टी कार्ड) देना — जिससे ग्रामीण घर-मालिक अपनी संपत्ति पर बैंक ऋण ले सकें।",
      "benefit_amount_hi": "मुफ्त कानूनी संपत्ति कार्ड (प्रॉपर्टी कार्ड)"
    },
    {
      "slug": "swayam-pm-evidya",
      "code": "CS-EDU-003",
      "name": "SWAYAM & PM eVidya",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Education",
      "category": "education-learning",
      "audience": [
        "school and college students",
        "lifelong learners"
      ],
      "summary": "Free online courses (2,000+, from IITs, central universities and IGNOU) via the SWAYAM platform, plus PM eVidya's DTH TV channels and NCERT courses — bringing quality education to students without reliable internet or nearby institutions.",
      "benefit_amount": "Free courses; low-cost proctored exam for certification",
      "launched": "2016 (SWAYAM); 2020 (PM eVidya)",
      "last_verified": "2026-09-01",
      "official_url": "https://swayam.gov.in",
      "name_hi": "स्वयं / पीएम ई-विद्या",
      "summary_hi": "स्कूल से लेकर उच्च शिक्षा तक मुफ्त ऑनलाइन पाठ्यक्रम, वीडियो लेक्चर और डिजिटल शिक्षण सामग्री — DTH चैनलों, मोबाइल ऐप और वेब पोर्टल के ज़रिए, जहां इंटरनेट कमज़ोर हो वहां भी पहुंच के लिए।",
      "benefit_amount_hi": "मुफ्त ऑनलाइन पाठ्यक्रम एवं शिक्षण सामग्री"
    },
    {
      "slug": "eklavya-model-residential-schools",
      "code": "CS-EDU-015",
      "name": "Eklavya Model Residential Schools (EMRS)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Tribal Affairs",
      "category": "education-learning",
      "audience": [
        "Scheduled Tribe students"
      ],
      "summary": "Free, fully residential CBSE schooling (Class 6-12) for Scheduled Tribe students, including boarding, food, uniforms, books, medical care, and JEE/NEET coaching — one school planned per block with 50%+ ST population.",
      "benefit_amount": "Free residential education, boarding, and exam coaching",
      "launched": "1997-98 (major revamp, 2018-19)",
      "last_verified": "2026-09-01",
      "official_url": "https://nests.tribal.gov.in",
      "name_hi": "एकलव्य मॉडल आवासीय विद्यालय (EMRS)",
      "summary_hi": "आदिवासी बहुल क्षेत्रों में कक्षा 6 से 12 तक की मुफ्त आवासीय शिक्षा — भोजन, रहना, किताबें और वर्दी सहित, नवोदय विद्यालय जैसे स्तर की गुणवत्ता के साथ, विशेष रूप से आदिवासी छात्रों के लिए।",
      "benefit_amount_hi": "मुफ्त आवासीय शिक्षा (भोजन, रहना, किताबें सहित)"
    },
    {
      "slug": "mission-indradhanush",
      "code": "CS-HLT-003",
      "name": "Mission Indradhanush (IMI 5.0)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Health & Family Welfare",
      "category": "health-wellness",
      "audience": [
        "children aged 0-5",
        "pregnant women"
      ],
      "summary": "Free vaccination against 12 preventable diseases — TB, polio, hepatitis B, diphtheria, pertussis, tetanus, Hib, rotavirus, measles, rubella, pneumococcal disease, and Japanese encephalitis (in endemic areas) — for every child under 5 and pregnant woman.",
      "benefit_amount": "Free vaccination, at any government health facility",
      "launched": "December 2014 (IMI 5.0 since August 2023)",
      "last_verified": "2026-09-01",
      "official_url": "https://nhm.gov.in",
      "name_hi": "मिशन इंद्रधनुष",
      "summary_hi": "बच्चों और गर्भवती महिलाओं के लिए मुफ्त टीकाकरण अभियान — 12 जानलेवा बीमारियों से सुरक्षा, खासकर उन बच्चों तक पहुंचने पर केंद्रित जिनका टीकाकरण अभी अधूरा है।",
      "benefit_amount_hi": "मुफ्त टीकाकरण, 12 बीमारियों से सुरक्षा"
    },
    {
      "slug": "adip-scheme",
      "code": "CS-SWE-005",
      "name": "ADIP Scheme (Assistance to Disabled Persons)",
      "level": "central",
      "state": null,
      "ministry": "Department of Empowerment of Persons with Disabilities",
      "category": "social-welfare-empowerment",
      "audience": [
        "persons with disabilities"
      ],
      "summary": "Free or subsidised assistive devices — wheelchairs, hearing aids, artificial limbs, cochlear implants and more — for persons with a disability of 40% or more, from low and lower-middle income families, including corrective surgery where needed.",
      "benefit_amount": "Free (low income) or subsidised devices, by income band",
      "launched": "1981 (last revised 2024)",
      "last_verified": "2026-09-01",
      "official_url": "https://adip.depwd.gov.in",
      "name_hi": "दिव्यांगजनों को सहायता उपकरण/यंत्र खरीदने/फिट कराने हेतु सहायता योजना (ADIP)",
      "summary_hi": "गरीब दिव्यांग व्यक्तियों को मुफ्त या रियायती दर पर आधुनिक, टिकाऊ सहायक उपकरण — कृत्रिम अंग, व्हीलचेयर, श्रवण यंत्र, ब्रेल किट — देने की योजना।",
      "benefit_amount_hi": "मुफ्त/रियायती सहायक उपकरण (आय अनुसार)"
    },
    {
      "slug": "bharatnet-pm-wani",
      "code": "CS-SCI-002",
      "name": "BharatNet & PM-WANI",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Communications",
      "category": "science-it-communications",
      "audience": [
        "rural residents",
        "small Wi-Fi entrepreneurs"
      ],
      "summary": "High-speed optical fibre broadband to every Gram Panchayat (2.15+ lakh connected by 2026), plus 4+ lakh public PM-WANI Wi-Fi hotspots giving affordable internet access — with a low-cost path for small shopkeepers and entrepreneurs to become paid Wi-Fi access-point providers.",
      "benefit_amount": "Affordable broadband access; low-cost Wi-Fi hotspot entrepreneurship",
      "launched": "2011 (BharatNet); December 2020 (PM-WANI)",
      "last_verified": "2026-09-01",
      "official_url": "https://bbnl.nic.in",
      "name_hi": "भारतनेट / पीएम-वाणी",
      "summary_hi": "देश के हर गांव तक हाई-स्पीड ब्रॉडबैंड इंटरनेट पहुंचाने और सार्वजनिक वाई-फाई हॉटस्पॉट के ज़रिए किफायती इंटरनेट एक्सेस देने की राष्ट्रीय पहल।",
      "benefit_amount_hi": "ग्रामीण ब्रॉडबैंड एवं सार्वजनिक वाई-फाई बुनियादी ढांचा"
    },
    {
      "slug": "digital-india-programme",
      "code": "CS-SCI-001",
      "name": "Digital India Programme",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Electronics & Information Technology",
      "category": "science-it-communications",
      "audience": [
        "general public"
      ],
      "summary": "The umbrella national programme behind India's digital public infrastructure — UMANG app, DigiLocker, e-governance services, and the connectivity/digital-literacy push — aimed at delivering government services digitally and closing the digital divide.",
      "benefit_amount": "Free access to digital government services (varies by scheme)",
      "launched": "1 July 2015",
      "last_verified": "2026-09-01",
      "official_url": "https://www.digitalindia.gov.in",
      "name_hi": "डिजिटल इंडिया कार्यक्रम",
      "summary_hi": "भारत को डिजिटल रूप से सशक्त समाज बनाने का व्यापक कार्यक्रम — हर नागरिक तक डिजिटल बुनियादी ढांचा, ऑनलाइन सरकारी सेवाएं, और डिजिटल साक्षरता पहुंचाने के लिए।",
      "benefit_amount_hi": "डिजिटल बुनियादी ढांचा एवं सेवाएं (कोई सीधा नकद लाभ नहीं)"
    },
    {
      "slug": "nai-manzil",
      "code": "CS-SKL-011",
      "name": "Nai Manzil",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Minority Affairs",
      "category": "skills-employment",
      "audience": [
        "minority community school dropouts",
        "madrasa-educated youth"
      ],
      "summary": "Bridges minority-community school dropouts (aged 17-35) back into formal education via NIOS certification, paired with at least 3 months of NSQF-aligned skill training and job placement support — 30% of seats reserved for women.",
      "benefit_amount": "Free education bridging + skill training + placement support",
      "launched": "2015",
      "last_verified": "2026-09-01",
      "official_url": "https://naimanzil.minorityaffairs.gov.in",
      "name_hi": "नई मंज़िल योजना",
      "summary_hi": "अल्पसंख्यक समुदाय के स्कूल-छूट चुके युवाओं को औपचारिक शिक्षा (कक्षा 8/10 प्रमाण पत्र) पूरी कराने के साथ-साथ कौशल प्रशिक्षण — बेहतर रोज़गार के अवसरों के लिए।",
      "benefit_amount_hi": "मुफ्त शिक्षा पूर्णता + कौशल प्रशिक्षण"
    },
    {
      "slug": "national-apprenticeship-promotion-scheme",
      "code": "CS-SKL-004",
      "name": "National Apprenticeship Promotion Scheme (NAPS)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Skill Development & Entrepreneurship",
      "category": "skills-employment",
      "audience": [
        "youth aged 14-35",
        "job seekers wanting on-the-job training"
      ],
      "summary": "Paid, structured on-the-job apprenticeships with registered companies, with a government-supported monthly stipend of ₹6,800-₹12,300 depending on qualification, plus reimbursement to employers for basic training costs.",
      "benefit_amount": "₹6,800–₹12,300/month stipend (govt-supported)",
      "launched": "2016",
      "last_verified": "2026-09-01",
      "official_url": "https://www.apprenticeshipindia.gov.in",
      "name_hi": "राष्ट्रीय अप्रेंटिसशिप प्रोत्साहन योजना (NAPS)",
      "summary_hi": "अप्रेंटिस को दी जाने वाली वजीफा राशि का एक हिस्सा सरकार सीधे सब्सिडी के रूप में देती है, जिससे कंपनियों को अधिक अप्रेंटिस रखने और युवाओं को व्यावहारिक प्रशिक्षण के साथ कमाई का मौका मिलता है।",
      "benefit_amount_hi": "वजीफे का 25% (अधिकतम ₹1,500/माह) सरकार वहन करती है"
    },
    {
      "slug": "pm-internship-scheme",
      "code": "CS-SKL-002",
      "name": "PM Internship Scheme (PMIS)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Corporate Affairs",
      "category": "skills-employment",
      "audience": [
        "youth aged 18-25",
        "students and recent graduates"
      ],
      "summary": "12-month paid internships at India's top 500 companies (by CSR spend), for candidates aged 18-25 with no full-time job — ₹9,000/month stipend, a ₹6,000 joining grant, and insurance cover under PMJJBY and PMSBY.",
      "benefit_amount": "₹9,000/month + ₹6,000 joining grant + insurance",
      "launched": "October 2024 (pilot); expanded 2026",
      "last_verified": "2026-09-01",
      "official_url": "https://pminternship.mca.gov.in",
      "name_hi": "प्रधानमंत्री इंटर्नशिप योजना",
      "summary_hi": "युवाओं को देश की शीर्ष 500 कंपनियों में 12 महीने की इंटर्नशिप — हर महीने ₹5,000 का वजीफा और एकमुश्त ₹6,000 की अतिरिक्त सहायता।",
      "benefit_amount_hi": "₹5,000/माह वजीफा + ₹6,000 एकमुश्त सहायता"
    },
    {
      "slug": "mission-vatsalya",
      "code": "CS-WMC-002",
      "name": "Mission Vatsalya",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Women & Child Development",
      "category": "women-child",
      "audience": [
        "children needing care and protection",
        "children in conflict with law"
      ],
      "summary": "India's central child-protection framework — funds Child Care Institutions, foster care and adoption support, Child Welfare Committees and Juvenile Justice Boards, and after-care support for children leaving institutional care after turning 18.",
      "benefit_amount": "Institutional/foster care, rehabilitation & after-care support",
      "launched": "2009-10 (as ICPS; renamed Mission Vatsalya, 2021-22)",
      "last_verified": "2026-09-01",
      "official_url": "https://wcd.nic.in",
      "name_hi": "मिशन वात्सल्य",
      "summary_hi": "अनाथ, परित्यक्त और देखभाल की ज़रूरत वाले बच्चों के लिए संरक्षण सेवाएं — बाल देखभाल संस्थान, पालन-पोषण देखभाल, और गोद लेने में सहायता।",
      "benefit_amount_hi": "बाल देखभाल एवं संरक्षण सेवाएं"
    },
    {
      "slug": "shakti-sadan-scheme",
      "code": "CS-SWE-009",
      "name": "Shakti Sadan Scheme (formerly Swadhar Greh & Ujjawala)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Women & Child Development",
      "category": "social-welfare-empowerment",
      "audience": [
        "trafficking survivors",
        "women in distress"
      ],
      "summary": "Integrated relief and rehabilitation homes for women in difficult circumstances and survivors of trafficking or commercial sexual exploitation — shelter, food, legal aid, medical care, counselling and vocational training, under Mission Shakti.",
      "benefit_amount": "Free shelter, legal aid, counselling, and skill training",
      "launched": "2002 (Swadhar); 2016 (Ujjawala); merged as Shakti Sadan, 2022",
      "last_verified": "2026-09-01",
      "official_url": "https://wcd.nic.in",
      "name_hi": "शक्ति सदन योजना",
      "summary_hi": "मानव तस्करी, यौन शोषण, या कठिन परिस्थितियों से बचाई गई महिलाओं और बच्चियों के लिए आश्रय, भोजन, चिकित्सा देखभाल, कानूनी सहायता और पुनर्वास सहायता।",
      "benefit_amount_hi": "मुफ्त आश्रय, भोजन, चिकित्सा एवं पुनर्वास सहायता"
    },
    {
      "slug": "one-stop-centre-scheme",
      "code": "CS-PSJ-003",
      "name": "One Stop Centre (OSC) Scheme / Sakhi",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Women & Child Development",
      "category": "public-safety-law-justice",
      "audience": [
        "women affected by violence"
      ],
      "summary": "Integrated support for women affected by any form of violence — medical aid, police assistance, legal aid, psychosocial counselling and temporary shelter, all under one roof, free of cost and available 24x7.",
      "benefit_amount": "Free integrated support, 24x7, under one roof",
      "launched": "1 April 2015",
      "last_verified": "2026-09-01",
      "official_url": "https://wcd.nic.in",
      "name_hi": "वन स्टॉप सेंटर स्कीम (सखी केंद्र)",
      "summary_hi": "हिंसा से प्रभावित महिलाओं के लिए एक ही जगह चिकित्सा सहायता, पुलिस सहायता, कानूनी सलाह, मनोवैज्ञानिक परामर्श और अस्थायी आश्रय — पूरी तरह मुफ्त।",
      "benefit_amount_hi": "मुफ्त चिकित्सा, कानूनी, मनोवैज्ञानिक एवं आश्रय सहायता"
    },
    {
      "slug": "rashtriya-bal-swasthya-karyakram",
      "code": "CS-HLT-006",
      "name": "Rashtriya Bal Swasthya Karyakram (RBSK)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Health & Family Welfare",
      "category": "health-wellness",
      "audience": [
        "children aged 0-18"
      ],
      "summary": "Free screening for children from birth to age 18, covering the '4 Ds' — birth defects, diseases, deficiencies and developmental delays including disability — across 32 health conditions, with free treatment and surgery for anything identified.",
      "benefit_amount": "Free screening, treatment and surgery (incl. at private empanelled hospitals)",
      "launched": "6 February 2013",
      "last_verified": "2026-09-01",
      "official_url": "https://nhm.gov.in",
      "name_hi": "राष्ट्रीय बाल स्वास्थ्य कार्यक्रम (RBSK)",
      "summary_hi": "जन्म से 18 वर्ष तक के बच्चों की मुफ्त स्वास्थ्य जांच — जन्मजात दोष, बीमारियों, कमियों और विकासात्मक देरी की जल्द पहचान के लिए, साथ ही आवश्यक इलाज भी मुफ्त।",
      "benefit_amount_hi": "मुफ्त स्वास्थ्य जांच एवं इलाज (जन्म से 18 वर्ष)"
    },
    {
      "slug": "rashtriya-arogya-nidhi",
      "code": "CS-HLT-004",
      "name": "Rashtriya Arogya Nidhi (RAN)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Health & Family Welfare",
      "category": "health-wellness",
      "audience": [
        "BPL patients with life-threatening illness"
      ],
      "summary": "One-time financial grant for Below Poverty Line patients suffering major life-threatening illnesses (heart, kidney, cancer, and similar conditions), for treatment at government super-speciality hospitals, released directly to the treating hospital.",
      "benefit_amount": "One-time treatment grant (amount assessed case-by-case)",
      "launched": "13 January 1997",
      "last_verified": "2026-09-01",
      "official_url": "https://main.mohfw.gov.in",
      "name_hi": "राष्ट्रीय आरोग्य निधि",
      "summary_hi": "गरीबी रेखा से नीचे रहने वाले मरीज़ों को कैंसर, हृदय रोग, किडनी फेल्योर जैसी गंभीर बीमारियों के इलाज के लिए ₹5 लाख तक की वित्तीय सहायता, सरकारी अस्पतालों में इलाज के लिए।",
      "benefit_amount_hi": "₹5,00,000 तक (गंभीर बीमारी का इलाज)"
    },
    {
      "slug": "national-aids-control-programme",
      "code": "CS-HLT-007",
      "name": "National AIDS Control Programme (NACP)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Health & Family Welfare (NACO)",
      "category": "health-wellness",
      "audience": [
        "persons living with or at risk of HIV/AIDS"
      ],
      "summary": "Free, confidential HIV testing (ICTC) and lifelong free antiretroviral therapy (ART) for people living with HIV, delivered through a nationwide network of testing and ART centres, alongside prevention and awareness programmes.",
      "benefit_amount": "Free HIV testing and lifelong free ART",
      "launched": "1992 (Phase V ongoing)",
      "last_verified": "2026-09-01",
      "official_url": "https://naco.gov.in",
      "name_hi": "राष्ट्रीय एड्स नियंत्रण कार्यक्रम (NACP)",
      "summary_hi": "HIV/एड्स की मुफ्त जांच, परामर्श और आजीवन मुफ्त एंटी-रेट्रोवायरल थेरेपी (ART) इलाज — गोपनीयता के साथ, देश भर के सरकारी ART केंद्रों में।",
      "benefit_amount_hi": "मुफ्त जांच, परामर्श एवं आजीवन ART इलाज"
    },
    {
      "slug": "deendayal-disabled-rehabilitation-scheme",
      "code": "CS-SWE-006",
      "name": "Deendayal Disabled Rehabilitation Scheme (DDRS)",
      "level": "central",
      "state": null,
      "ministry": "Department of Empowerment of Persons with Disabilities",
      "category": "social-welfare-empowerment",
      "audience": [
        "persons with disabilities",
        "NGOs serving persons with disabilities"
      ],
      "summary": "Grant-in-aid to NGOs running special schools, early intervention centres, vocational training and half-way homes for persons with disabilities — families access services through these DDRS-funded centres rather than applying to the scheme directly.",
      "benefit_amount": "Free/subsidised services at DDRS-funded NGO centres",
      "launched": "1999 (as amended Scheme; renamed DDRS 2003)",
      "last_verified": "2026-09-01",
      "official_url": "https://depwd.gov.in",
      "name_hi": "दीनदयाल दिव्यांगजन पुनर्वास योजना (DDRS)",
      "summary_hi": "गैर-सरकारी संगठनों के माध्यम से दिव्यांगजनों के लिए शिक्षा, कौशल प्रशिक्षण, पुनर्वास और स्वरोज़गार सहायता की व्यापक योजना — विशेष स्कूल, वोकेशनल ट्रेनिंग सेंटर और चिकित्सा पुनर्वास केंद्रों के ज़रिए।",
      "benefit_amount_hi": "मुफ्त शिक्षा, प्रशिक्षण एवं पुनर्वास सेवाएं"
    },
    {
      "slug": "smart-cities-mission",
      "code": "CS-TRN-006",
      "name": "Smart Cities Mission",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Housing & Urban Affairs",
      "category": "transport-infrastructure",
      "audience": [
        "urban residents"
      ],
      "summary": "A completed (31 March 2025) urban infrastructure programme that delivered 7,555+ projects worth ₹1.5 lakh crore across 100 cities — Integrated Command Centres, smart roads, water/sanitation upgrades — now succeeded by the broader 'City Economic Regions' framework announced in the 2026 Budget.",
      "benefit_amount": "Completed; successor framework still forming",
      "launched": "25 June 2015 (concluded 31 March 2025)",
      "last_verified": "2026-09-01",
      "official_url": "https://smartcities.gov.in",
      "name_hi": "स्मार्ट सिटीज़ मिशन",
      "summary_hi": "चुने गए 100 शहरों में बेहतर बुनियादी ढांचा, स्वच्छ एवं टिकाऊ पर्यावरण, और तकनीक-आधारित नागरिक सेवाएं (स्मार्ट सॉल्यूशन) विकसित करने का शहरी विकास मिशन।",
      "benefit_amount_hi": "शहरी बुनियादी ढांचा एवं सेवाओं का विकास"
    },
    {
      "slug": "sagarmala-programme",
      "code": "CS-TRN-003",
      "name": "Sagarmala Programme",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Ports, Shipping & Waterways",
      "category": "transport-infrastructure",
      "audience": [
        "general public",
        "coastal communities",
        "exporters/importers"
      ],
      "summary": "Port-led development programme modernising India's 200+ ports, port connectivity and coastal economic zones to cut logistics costs — now in Sagarmala 2.0, with 94+ port-modernisation projects worth ₹31,500 crore completed as of 2026.",
      "benefit_amount": "₹2.91 lakh crore project pipeline through 2035",
      "launched": "25 March 2015 (Sagarmala 2.0 ongoing)",
      "last_verified": "2026-09-01",
      "official_url": "https://sagarmala.gov.in",
      "name_hi": "सागरमाला कार्यक्रम",
      "summary_hi": "भारत के 7,500 किमी लंबे समुद्री तट के बुनियादी ढांचे का आधुनिकीकरण — बंदरगाह विकास, बंदरगाह संपर्क सड़कें, और तटीय आर्थिक क्षेत्रों के ज़रिए लॉजिस्टिक्स लागत कम करना।",
      "benefit_amount_hi": "बंदरगाह एवं तटीय बुनियादी ढांचा (कोई व्यक्तिगत लाभ नहीं)"
    },
    {
      "slug": "fit-india-movement",
      "code": "CS-SPC-003",
      "name": "Fit India Movement",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Youth Affairs & Sports",
      "category": "sports-culture",
      "audience": [
        "general public",
        "schools",
        "workplaces"
      ],
      "summary": "A national awareness campaign encouraging citizens to make physical activity part of daily life — Fit India School/College certifications, the Fit India Freedom Run, workplace fitness challenges, and content promoting yoga, sport and active living.",
      "benefit_amount": "Free resources, events and certifications; no direct cash benefit",
      "launched": "29 August 2019",
      "last_verified": "2026-09-01",
      "official_url": "https://fitindia.gov.in",
      "name_hi": "फिट इंडिया मूवमेंट",
      "summary_hi": "हर नागरिक को दैनिक शारीरिक गतिविधि और फिटनेस के लिए प्रेरित करने वाला राष्ट्रीय जन-आंदोलन — स्कूल, कार्यस्थल और समुदाय स्तर पर फिटनेस गतिविधियों को बढ़ावा देने के लिए।",
      "benefit_amount_hi": "जन-जागरूकता एवं फिटनेस कार्यक्रम (कोई सीधा नकद लाभ नहीं)"
    },
    {
      "slug": "prashad-scheme",
      "code": "CS-TRV-002",
      "name": "PRASHAD Scheme (Pilgrimage Rejuvenation and Spiritual Heritage Augmentation Drive)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Tourism",
      "category": "travel-tourism",
      "audience": [
        "pilgrims",
        "devotees",
        "local temple-town communities"
      ],
      "summary": "Funds civic infrastructure at India's pilgrimage and spiritual-heritage destinations — queue-management halls, clean public toilets, ghat upgrades, drinking water, parking, signage and sewage treatment — improving the pilgrim experience at major shrines.",
      "benefit_amount": "Infrastructure funding to State/UT-proposed pilgrimage sites",
      "launched": "January 2015",
      "last_verified": "2026-09-01",
      "official_url": "https://tourism.gov.in",
      "name_hi": "प्रसाद योजना (तीर्थयात्रा कायाकल्प एवं आध्यात्मिक धरोहर वृद्धि अभियान)",
      "summary_hi": "देश भर के प्रमुख तीर्थ स्थलों पर बुनियादी ढांचे — सड़क, पेयजल, शौचालय, रोशनी, पार्किंग — का विकास, ताकि तीर्थयात्रियों को बेहतर सुविधा मिले।",
      "benefit_amount_hi": "तीर्थ स्थल बुनियादी ढांचा (कोई व्यक्तिगत लाभ नहीं)"
    },
    {
      "slug": "namami-gange-programme",
      "code": "CS-UTL-003",
      "name": "Namami Gange Programme",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Jal Shakti (National Mission for Clean Ganga)",
      "category": "utility-sanitation",
      "audience": [
        "Ganga basin residents",
        "general public"
      ],
      "summary": "India's flagship river-rejuvenation programme — sewage treatment plants, riverfront ghat development, industrial effluent control and biodiversity conservation along the Ganga and its tributaries, with 355 of 524 sanctioned projects completed as of February 2026.",
      "benefit_amount": "₹42,500 crore total outlay (Mission-I + II)",
      "launched": "June 2014",
      "last_verified": "2026-09-01",
      "official_url": "https://nmcg.nic.in",
      "name_hi": "नमामि गंगे कार्यक्रम",
      "summary_hi": "गंगा नदी की सफाई, संरक्षण और कायाकल्प के लिए एकीकृत मिशन — सीवेज ट्रीटमेंट प्लांट, घाट सुधार, और नदी तट पर वृक्षारोपण जैसी परियोजनाओं के ज़रिए।",
      "benefit_amount_hi": "नदी सफाई एवं संरक्षण बुनियादी ढांचा"
    },
    {
      "slug": "amrut-2-0",
      "code": "CS-UTL-004",
      "name": "AMRUT 2.0 (Atal Mission for Rejuvenation and Urban Transformation)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Housing & Urban Affairs",
      "category": "utility-sanitation",
      "audience": [
        "urban residents"
      ],
      "summary": "Universal tap water and sewerage/septage coverage for all statutory towns, plus urban water body rejuvenation and green spaces — the successor to the original AMRUT mission, targeting 100% coverage rather than 500 selected cities.",
      "benefit_amount": "Free/subsidised tap and sewer connections in covered towns",
      "launched": "1 October 2021",
      "last_verified": "2026-09-01",
      "official_url": "https://amrut.gov.in",
      "name_hi": "अमृत 2.0",
      "summary_hi": "सभी शहरी घरों तक नल जल कनेक्शन और सीवरेज/सेप्टेज सुविधा पहुंचाने का मिशन — \"आत्मनिर्भर भारत\" के लक्ष्य के साथ शहरों को जल-सुरक्षित बनाने पर केंद्रित।",
      "benefit_amount_hi": "शहरी जल आपूर्ति एवं सीवरेज बुनियादी ढांचा"
    },
    {
      "slug": "working-women-hostel-scheme",
      "code": "CS-WMC-005",
      "name": "Working Women Hostel Scheme",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Women & Child Development",
      "category": "women-child",
      "audience": [
        "working women living away from family"
      ],
      "summary": "Safe, affordable hostel accommodation for working women (single, widowed, divorced, separated, or whose family lives elsewhere), with day-care for their young children where available, in urban, semi-urban or rural areas with employment opportunities.",
      "benefit_amount": "Subsidised hostel accommodation + day care",
      "launched": "1972-73 (revised guidelines, ongoing)",
      "last_verified": "2026-09-01",
      "official_url": "https://wcd.nic.in",
      "name_hi": "कामकाजी महिला छात्रावास योजना",
      "summary_hi": "नौकरी करने वाली महिलाओं (खासकर अकेली, विवाहित पर पति दूर रहते हों, या ट्रेनिंग में) को सुरक्षित, किफायती छात्रावास आवास — उनके बच्चों के लिए डे-केयर सुविधा सहित।",
      "benefit_amount_hi": "किफायती छात्रावास आवास + डे-केयर सुविधा"
    },
    {
      "slug": "pm-cares-for-children",
      "code": "CS-WMC-003",
      "name": "PM CARES for Children",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Women & Child Development",
      "category": "women-child",
      "audience": [
        "children orphaned by COVID-19"
      ],
      "summary": "Long-term financial and educational support for children who lost both parents, or a surviving parent/legal guardian, to COVID-19 between 11 March 2020 and the notified eligible period — a ₹10 lakh corpus at 18, monthly stipend from 18-23, school/higher-education support and health insurance.",
      "benefit_amount": "₹10,00,000 corpus at 18 + monthly stipend (18-23) + education/health support",
      "launched": "29 May 2021",
      "last_verified": "2026-09-01",
      "official_url": "https://pmcaresforchildren.in",
      "name_hi": "पीएम केयर्स फॉर चिल्ड्रन योजना",
      "summary_hi": "कोविड-19 महामारी के दौरान माता-पिता दोनों या एकमात्र जीवित अभिभावक को खोने वाले बच्चों के लिए सहायता — 23 वर्ष की उम्र पर ₹10 लाख का फंड, मुफ्त शिक्षा और स्वास्थ्य बीमा।",
      "benefit_amount_hi": "₹10,00,000 (23 वर्ष पर) + मुफ्त शिक्षा एवं स्वास्थ्य बीमा"
    },
    {
      "slug": "national-overseas-scholarship-sc",
      "code": "CS-EDU-012",
      "name": "National Overseas Scholarship (NOS) for SC etc. Candidates",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Social Justice & Empowerment",
      "category": "education-learning",
      "audience": [
        "SC, DNT/SNT, landless labourer and artisan-family students"
      ],
      "summary": "Fully funded Master's/PhD scholarships abroad for meritorious low-income students from SC, Denotified/Semi-Nomadic Tribe, landless agricultural labourer and traditional artisan families — full tuition, a $15,400/year maintenance allowance, and travel costs, for 125 students annually.",
      "benefit_amount": "Full tuition + $15,400/year maintenance + travel & contingency",
      "launched": "1954 (revised guidelines, ongoing)",
      "last_verified": "2026-09-01",
      "official_url": "https://nosmsje.gov.in",
      "name_hi": "राष्ट्रीय विदेश छात्रवृत्ति (SC)",
      "summary_hi": "अनुसूचित जाति (SC) के मेधावी छात्रों को विदेश में मास्टर्स/पीएचडी की पढ़ाई के लिए ट्यूशन फीस, रहने का खर्च, और यात्रा भत्ता सहित पूर्ण वित्तीय सहायता।",
      "benefit_amount_hi": "ट्यूशन फीस + रहने का खर्च + यात्रा भत्ता (पूर्ण कवरेज)"
    },
    {
      "slug": "pm-matsya-sampada-yojana",
      "code": "CS-AGR-041",
      "name": "PM Matsya Sampada Yojana (PMMSY)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Fisheries, Animal Husbandry & Dairying",
      "category": "agriculture-rural-environment",
      "audience": [
        "fishers",
        "fish farmers",
        "fisheries entrepreneurs",
        "SHGs/cooperatives"
      ],
      "summary": "₹20,050 crore investment modernising India's fisheries sector — hatcheries, cold chain, processing and market infrastructure, insurance and credit access, and safety-at-sea support, aiming to double fishers' and fish farmers' income.",
      "benefit_amount": "Infrastructure subsidy, insurance & credit access support",
      "launched": "10 September 2020",
      "last_verified": "2026-09-01",
      "official_url": "https://pmmsy.dof.gov.in",
      "name_hi": "प्रधानमंत्री मत्स्य संपदा योजना (PMMSY)",
      "summary_hi": "मछली पालकों और मत्स्य उद्योग से जुड़े लोगों को तालाब निर्माण, हैचरी, कोल्ड चेन और नाव जैसी सुविधाओं के लिए सब्सिडी — मछली उत्पादन और आय बढ़ाने के लिए।",
      "benefit_amount_hi": "40% तक सब्सिडी (सामान्य), 60% (SC/ST/महिला)"
    },
    {
      "slug": "rashtriya-gokul-mission",
      "code": "CS-AGR-035",
      "name": "Rashtriya Gokul Mission",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Fisheries, Animal Husbandry & Dairying",
      "category": "agriculture-rural-environment",
      "audience": [
        "dairy farmers",
        "cattle/buffalo breeders"
      ],
      "summary": "Supports conservation and genetic improvement of indigenous cattle and buffalo breeds through artificial insemination, Nandi Shalas (bull farms) and Gokul Grams (integrated breeding centres), aiming to raise milk yield and dairy farmer incomes.",
      "benefit_amount": "Free/subsidised artificial insemination & breed improvement services",
      "launched": "December 2014",
      "last_verified": "2026-09-01",
      "official_url": "https://dahd.nic.in",
      "name_hi": "राष्ट्रीय गोकुल मिशन",
      "summary_hi": "देसी गाय नस्लों के संरक्षण और नस्ल सुधार के लिए राष्ट्रीय कार्यक्रम — गौशालाओं, नस्ल सुधार केंद्रों, और कृत्रिम गर्भाधान सुविधाओं के ज़रिए दूध उत्पादकता बढ़ाने पर केंद्रित।",
      "benefit_amount_hi": "देसी नस्ल संरक्षण एवं प्रजनन सहायता"
    },
    {
      "slug": "pm-janman",
      "code": "CS-SWE-021",
      "name": "PM-JANMAN (PM Janjati Adivasi Nyaya Maha Abhiyan)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Tribal Affairs",
      "category": "social-welfare-empowerment",
      "audience": [
        "Particularly Vulnerable Tribal Groups (PVTGs)"
      ],
      "summary": "A dedicated mission for India's 75 Particularly Vulnerable Tribal Groups (PVTGs) — pucca housing, roads, safe drinking water, electricity, healthcare and education access, and livelihood support for communities long left out of mainstream development.",
      "benefit_amount": "Housing, roads, water, power, health &amp; education access",
      "launched": "15 November 2023",
      "last_verified": "2026-09-01",
      "official_url": "https://tribal.gov.in",
      "name_hi": "पीएम-जनमन (प्रधानमंत्री जनजाति आदिवासी न्याय महाअभियान)",
      "summary_hi": "सबसे कमज़ोर आदिवासी समूहों (PVTG) के लिए एकीकृत विकास कार्यक्रम — घर, सड़क, बिजली, पानी, स्वास्थ्य और शिक्षा जैसी बुनियादी सुविधाएं पहुंचाने पर केंद्रित।",
      "benefit_amount_hi": "आवास, सड़क, बिजली, पानी, स्वास्थ्य एवं शिक्षा सुविधाएं"
    },
    {
      "slug": "van-bandhu-kalyan-yojana",
      "code": "CS-SWE-022",
      "name": "Van Bandhu Kalyan Yojana (VBKY)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Tribal Affairs",
      "category": "social-welfare-empowerment",
      "audience": [
        "tribal communities in identified blocks"
      ],
      "summary": "A convergence framework directing central and state scheme funding toward tribal-dominated blocks based on a local Vision Document — closing gaps in education, health, roads, drinking water and livelihoods identified by the community itself.",
      "benefit_amount": "Convergence of existing schemes toward tribal block priorities",
      "launched": "2014",
      "last_verified": "2026-09-01",
      "official_url": "https://tribal.gov.in",
      "name_hi": "वन बंधु कल्याण योजना",
      "summary_hi": "आदिवासी बहुल क्षेत्रों में शिक्षा, स्वास्थ्य, कृषि, बुनियादी ढांचे, और आजीविका के अवसरों को एकीकृत तरीके से बेहतर बनाने का राज्य-समन्वित कार्यक्रम।",
      "benefit_amount_hi": "एकीकृत आदिवासी क्षेत्र विकास (राज्यों के माध्यम से)"
    },
    {
      "slug": "national-fellowship-obc-students",
      "code": "CS-EDU-013",
      "name": "National Fellowship for OBC Students",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Social Justice & Empowerment",
      "category": "education-learning",
      "audience": [
        "OBC students pursuing MPhil/PhD"
      ],
      "summary": "Monthly fellowship for OBC candidates pursuing MPhil or PhD in Indian universities and research institutions, covering a living stipend plus a contingency/book grant, for up to 5 years.",
      "benefit_amount": "₹31,000–₹35,000/month (JRF/SRF rates) + contingency grant",
      "launched": "2014",
      "last_verified": "2026-09-01",
      "official_url": "https://scholarships.gov.in",
      "name_hi": "अन्य पिछड़ा वर्ग छात्रों के लिए राष्ट्रीय फेलोशिप",
      "summary_hi": "OBC वर्ग के छात्रों को M.Phil और PhD शोध के लिए मासिक फेलोशिप और आकस्मिकता भत्ता — शोध कार्य पूरा करने तक निरंतर वित्तीय सहायता।",
      "benefit_amount_hi": "₹31,000–35,000/माह (फेलोशिप चरण अनुसार)"
    },
    {
      "slug": "usttad-scheme",
      "code": "CS-SKL-013",
      "name": "USTTAD (Upgrading the Skills & Training in Traditional Arts/Crafts for Development)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Minority Affairs",
      "category": "skills-employment",
      "audience": [
        "minority-community traditional artisans and craftspeople"
      ],
      "summary": "Skill upgradation, design training and market linkage for minority-community master artisans and craftspeople working in traditional trades, aiming to preserve heritage crafts while improving artisan incomes through better products and market access.",
      "benefit_amount": "Free skill training, design support and market linkage",
      "launched": "14 May 2015",
      "last_verified": "2026-09-01",
      "official_url": "https://minorityaffairs.gov.in",
      "name_hi": "उस्ताद योजना",
      "summary_hi": "अल्पसंख्यक समुदाय के पारंपरिक शिल्पकारों और दस्तकारों के कौशल को अपग्रेड करने और बाज़ार से जोड़ने के लिए प्रशिक्षण, उन्नयन, और प्रदर्शनी सहायता।",
      "benefit_amount_hi": "मुफ्त कौशल उन्नयन प्रशिक्षण + बाज़ार पहुंच सहायता"
    },
    {
      "slug": "national-handicrafts-development-programme",
      "code": "CS-BIZ-042",
      "name": "National Handicrafts Development Programme (NHDP)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Textiles",
      "category": "business-entrepreneurship",
      "audience": [
        "handicraft artisans",
        "artisan SHGs and cooperatives"
      ],
      "summary": "Support for handicraft artisans through skill upgradation, design and technology development, marketing support (including via Urban Haats and exhibitions), infrastructure, and concessional credit access — parallel to the separate handloom-weaver programme.",
      "benefit_amount": "Need-based grants, marketing support &amp; concessional credit access",
      "launched": "2017-18 (continuing scheme)",
      "last_verified": "2026-09-01",
      "official_url": "https://handicrafts.nic.in",
      "name_hi": "राष्ट्रीय हस्तशिल्प विकास कार्यक्रम",
      "summary_hi": "पारंपरिक हस्तशिल्प कारीगरों को कच्चा माल, डिज़ाइन विकास, विपणन सहायता, प्रदर्शनियों में भागीदारी, और वित्तीय सहायता — उनकी कला को बाज़ार तक पहुंचाने के लिए।",
      "benefit_amount_hi": "प्रशिक्षण, कच्चा माल एवं बाज़ार पहुंच सहायता"
    },
    {
      "slug": "kanya-sumangala-yojana",
      "code": "SS-UP-WMC-001",
      "name": "Mukhyamantri Kanya Sumangala Yojana",
      "level": "state",
      "state": "Uttar Pradesh",
      "ministry": "UP Department of Women & Child Development",
      "category": "women-child",
      "audience": [
        "girl children",
        "families in Uttar Pradesh"
      ],
      "summary": "₹25,000 total for a girl child in Uttar Pradesh, paid across 6 stages from birth through graduation/diploma admission — birth, vaccination, Class 1, Class 6, Class 9, and higher-education admission — for families earning under ₹3 lakh/year, capped at 2 daughters per family.",
      "benefit_amount": "₹25,000 total, in 6 installments (₹5,000–₹7,000 each)",
      "launched": "October 2019",
      "last_verified": "2026-09-01",
      "official_url": "https://mksy.up.gov.in",
      "name_hi": "मुख्यमंत्री कन्या सुमंगला योजना (उत्तर प्रदेश)",
      "summary_hi": "उत्तर प्रदेश की बेटी को जन्म से स्नातक तक 6 चरणों में कुल ₹25,000 — ₹3 लाख वार्षिक आय से कम वाले परिवारों के लिए, अधिकतम 2 बेटियों तक।",
      "benefit_amount_hi": "कुल ₹25,000, 6 किस्तों में"
    },
    {
      "slug": "swami-vivekananda-yuva-sashaktikaran-yojana",
      "code": "SS-UP-EDU-002",
      "name": "Swami Vivekananda Yuva Sashaktikaran Yojana (UP Free Tablet/Smartphone Yojana)",
      "level": "state",
      "state": "Uttar Pradesh",
      "ministry": "UP Department of Higher Education",
      "category": "education-learning",
      "audience": [
        "final-year students at UP institutions"
      ],
      "summary": "Free tablet or smartphone for final-year students in graduation, postgraduation, diploma, technical, health, ITI and skill-training courses at recognised UP institutions — no student application form; colleges upload eligible student data directly.",
      "benefit_amount": "Free tablet/smartphone (fully state-funded)",
      "launched": "December 2021",
      "last_verified": "2026-09-01",
      "official_url": "https://digishakti.up.gov.in",
      "name_hi": "स्वामी विवेकानंद युवा सशक्तिकरण योजना (उत्तर प्रदेश)",
      "summary_hi": "उत्तर प्रदेश के सरकारी और सहायता प्राप्त स्कूलों/कॉलेजों के कक्षा 9 से स्नातकोत्तर तक के छात्रों को मुफ्त स्मार्टफोन या टैबलेट — डिजिटल शिक्षा तक पहुंच बढ़ाने के लिए।",
      "benefit_amount_hi": "मुफ्त स्मार्टफोन या टैबलेट"
    },
    {
      "slug": "mukhyamantri-kanya-utthan-yojana",
      "code": "SS-BR-WMC-001",
      "name": "Mukhyamantri Kanya Utthan Yojana",
      "level": "state",
      "state": "Bihar",
      "ministry": "Bihar Department of Education",
      "category": "women-child",
      "audience": [
        "girl children",
        "families in Bihar"
      ],
      "summary": "₹50,000 total for every girl child born in Bihar, regardless of caste or family income, paid in installments from birth through graduation — including a ₹25,000 graduation-completion incentive.",
      "benefit_amount": "₹50,000 total, across multiple installments",
      "launched": "2018",
      "last_verified": "2026-09-01",
      "official_url": "https://edudbt.bih.nic.in",
      "name_hi": "मुख्यमंत्री कन्या उत्थान योजना (बिहार)",
      "summary_hi": "बिहार में जन्मी हर बेटी के लिए कुल ₹50,000 — बिना आय सीमा के, जन्म से स्नातक पूरा होने तक कई किस्तों में।",
      "benefit_amount_hi": "कुल ₹50,000, कई किस्तों में"
    },
    {
      "slug": "bihar-student-credit-card",
      "code": "SS-BR-EDU-002",
      "name": "Bihar Student Credit Card Yojana",
      "level": "state",
      "state": "Bihar",
      "ministry": "Bihar State Education Finance Corporation (BSEFC)",
      "category": "education-learning",
      "audience": [
        "Bihar students pursuing higher education"
      ],
      "summary": "Education loan up to ₹4 lakh, at 1% simple interest for men and 0% for women/differently-abled/transgender students, for any recognised technical, polytechnic, or general higher-education course — no collateral, repayment starts after course completion or employment.",
      "benefit_amount": "Up to ₹4,00,000 loan, 0%–1% interest",
      "launched": "October 2016",
      "last_verified": "2026-09-01",
      "official_url": "https://7nishchay-yuvaupmission.bihar.gov.in",
      "name_hi": "बिहार स्टूडेंट क्रेडिट कार्ड योजना",
      "summary_hi": "बिहार के छात्रों को उच्च शिक्षा के लिए ₹4 लाख तक का शिक्षा ऋण, बहुत ही कम ब्याज दर पर — बिना किसी संपत्ति गारंटी के।",
      "benefit_amount_hi": "₹4,00,000 तक शिक्षा ऋण, रियायती ब्याज पर"
    },
    {
      "slug": "kanyashree-prakalpa",
      "code": "SS-WB-EDU-001",
      "name": "Kanyashree Prakalpa",
      "level": "state",
      "state": "West Bengal",
      "ministry": "WB Department of Women & Child Development and Social Welfare",
      "category": "education-learning",
      "audience": [
        "unmarried girls aged 13-18 in school",
        "girls turning 18"
      ],
      "summary": "UN-recognised conditional cash transfer keeping girls in school and unmarried until 18 — an annual scholarship (K1) for unmarried girls in Class 8+ aged 13-18, and a one-time grant (K2) at 18 if still unmarried and in education or employment.",
      "benefit_amount": "K1: ~₹750–1,000/year; K2: ₹25,000 one-time",
      "launched": "8 March 2013",
      "last_verified": "2026-09-01",
      "official_url": "https://wbkanyashree.gov.in",
      "name_hi": "कन्याश्री प्रकल्प (पश्चिम बंगाल)",
      "summary_hi": "पश्चिम बंगाल की बेटियों को स्कूल में बनाए रखने और 18 वर्ष तक अविवाहित रखने के लिए संयुक्त राष्ट्र-सम्मानित योजना — पढ़ाई के दौरान वार्षिक छात्रवृत्ति और 18 वर्ष पर एकमुश्त ₹25,000।",
      "benefit_amount_hi": "वार्षिक छात्रवृत्ति (K1) + ₹25,000 एकमुश्त (K2, 18 वर्ष पर)"
    },
    {
      "slug": "annapurna-bhandar-scheme",
      "code": "SS-WB-SWE-002",
      "name": "Annapurna Bhandar Scheme (formerly Lakshmir Bhandar)",
      "level": "state",
      "state": "West Bengal",
      "ministry": "WB Department of Women & Child Development and Social Welfare",
      "category": "social-welfare-empowerment",
      "audience": [
        "women aged 25-60 in West Bengal"
      ],
      "summary": "Monthly cash support of ₹3,000 to eligible West Bengal women aged 25-60 from economically weaker, non-tax-paying households — the successor to Lakshmir Bhandar, which paid ₹1,500 (general) or ₹1,700 (SC/ST) before the June 2026 transition.",
      "benefit_amount": "₹3,000/month (up from ₹1,500–₹1,700 under the earlier scheme)",
      "launched": "2021 (as Lakshmir Bhandar); relaunched as Annapurna Bhandar, June 2026",
      "last_verified": "2026-09-01",
      "official_url": "https://socialsecurity.wb.gov.in",
      "name_hi": "अन्नपूर्णा भंडार योजना (पूर्व नाम: लक्ष्मी भंडार, पश्चिम बंगाल)",
      "summary_hi": "पश्चिम बंगाल की पात्र महिलाओं (25-60 वर्ष) को हर महीने ₹3,000 सीधे बैंक खाते में — पहले \"लक्ष्मी भंडार\" नाम से जानी जाने वाली योजना, जिसे जून 2026 में बढ़ी हुई राशि के साथ फिर से लॉन्च किया गया।",
      "benefit_amount_hi": "₹3,000 / माह"
    },
    {
      "slug": "swasthya-sathi-scheme",
      "code": "SS-WB-HLT-001",
      "name": "Swasthya Sathi Scheme (+ Mukhyamantri Swasthya Bima Yojana)",
      "level": "state",
      "state": "West Bengal",
      "ministry": "WB Department of Health & Family Welfare",
      "category": "health-wellness",
      "audience": [
        "all West Bengal residents"
      ],
      "summary": "Universal cashless health cover of ₹5 lakh/family/year for every West Bengal resident, now integrated with Ayushman Bharat PM-JAY — residents not covered under PM-JAY get equivalent protection through the newer Mukhyamantri Swasthya Bima Yojana (MMSBY), introduced mid-2026.",
      "benefit_amount": "₹5,00,000/family/year cashless cover",
      "launched": "2016 (Swasthya Sathi); MMSBY added 2026",
      "last_verified": "2026-09-01",
      "official_url": "https://swasthyasathi.gov.in",
      "name_hi": "स्वास्थ्य साथी योजना (पश्चिम बंगाल)",
      "summary_hi": "पश्चिम बंगाल के हर परिवार को ₹5 लाख तक का कैशलेस स्वास्थ्य बीमा कवर — बिना किसी आय सीमा के, परिवार की महिला मुखिया के नाम पर कार्ड जारी होता है।",
      "benefit_amount_hi": "₹5,00,000 तक/परिवार/वर्ष"
    },
    {
      "slug": "madhu-babu-pension-yojana",
      "code": "SS-OD-SWE-001",
      "name": "Madhu Babu Pension Yojana (MBPY)",
      "level": "state",
      "state": "Odisha",
      "ministry": "Odisha Department of Social Security & Empowerment of Persons with Disabilities",
      "category": "social-welfare-empowerment",
      "audience": [
        "elderly",
        "widows",
        "persons with disabilities in Odisha"
      ],
      "summary": "Monthly pension for elderly, widowed, and disabled residents of Odisha with family income below ₹24,000/year — merging the state's earlier Old Age Pension and Disability Pension schemes into one, reaching around 47 lakh beneficiaries.",
      "benefit_amount": "₹300/month (under 80); ₹500/month (80+)",
      "launched": "2008",
      "last_verified": "2026-09-01",
      "official_url": "https://ssepd.gov.in",
      "name_hi": "मधु बाबू पेंशन योजना (MBPY)",
      "summary_hi": "ओडिशा के बुजुर्गों, विधवाओं और दिव्यांग व्यक्तियों को मासिक पेंशन — उम्र और दिव्यांगता की स्थिति के अनुसार राशि तय होती है।",
      "benefit_amount_hi": "₹500–₹700/माह (आयु/श्रेणी अनुसार)"
    },
    {
      "slug": "cm-kisan-yojana-odisha",
      "code": "SS-OD-AGR-001",
      "name": "CM Kisan Yojana (formerly KALIA Yojana)",
      "level": "state",
      "state": "Odisha",
      "ministry": "Odisha Department of Agriculture & Farmers Empowerment",
      "category": "agriculture-rural-environment",
      "audience": [
        "small and marginal farmers",
        "landless agricultural labourers in Odisha"
      ],
      "summary": "Direct income support for Odisha's small/marginal farmers and landless agricultural labourers, paid via DBT each season — the scheme was restructured from KALIA into CM Kisan Yojana, and sources currently report differing annual totals, so confirm the exact current figure on the official portal.",
      "benefit_amount": "Reported ₹4,000–₹10,000+/year (farmers); ₹12,500/year (landless) — confirm current figure",
      "launched": "2018 (as KALIA); restructured as CM Kisan Yojana, 2025",
      "last_verified": "2026-09-01",
      "official_url": "https://kalia.odisha.gov.in",
      "name_hi": "सीएम किसान योजना (पूर्व में कालिया योजना)",
      "summary_hi": "ओडिशा के छोटे और सीमांत किसानों तथा भूमिहीन कृषि परिवारों को खेती के लिए प्रत्यक्ष वित्तीय सहायता — बुवाई से पहले सीधे बैंक खाते में।",
      "benefit_amount_hi": "₹4,000/वर्ष प्रति किसान परिवार (खरीफ+रबी)"
    },
    {
      "slug": "ladli-laxmi-yojana-mp",
      "code": "SS-MP-WMC-001",
      "name": "Mukhyamantri Ladli Laxmi Yojana",
      "level": "state",
      "state": "Madhya Pradesh",
      "ministry": "MP Department of Women & Child Development",
      "category": "women-child",
      "audience": [
        "girl children born on or after 1 January 2006 in MP"
      ],
      "summary": "An assurance certificate worth ₹1,43,000 for a Madhya Pradesh girl child — annual deposits, school-stage scholarships, a higher-education incentive, tuition support for graduation, and a ₹1,00,000 maturity payment at 21 under specified conditions.",
      "benefit_amount": "₹1,43,000 total, across childhood and education milestones",
      "launched": "2007",
      "last_verified": "2026-09-01",
      "official_url": "https://ladlilaxmi.mp.gov.in",
      "name_hi": "मुख्यमंत्री लाड़ली लक्ष्मी योजना (मध्य प्रदेश)",
      "summary_hi": "मध्य प्रदेश की बेटी की शिक्षा और भविष्य के लिए राष्ट्रीय बचत पत्र में निवेश — कक्षा 6, 9, 11, 12 में दाखिले पर छात्रवृत्ति के रूप में, और 21 वर्ष की उम्र पर एकमुश्त राशि।",
      "benefit_amount_hi": "कुल ₹1,43,000 तक, कई चरणों में"
    },
    {
      "slug": "mukhyamantri-seekho-kamao-yojana",
      "code": "SS-MP-SKL-001",
      "name": "Mukhyamantri Seekho Kamao Yojana",
      "level": "state",
      "state": "Madhya Pradesh",
      "ministry": "MP Department of Technical Education, Skill Development & Employment",
      "category": "skills-employment",
      "audience": [
        "unemployed youth in Madhya Pradesh"
      ],
      "summary": "On-the-job skill training for unemployed MP youth across 700+ work areas with private and government establishments, paying a monthly stipend of ₹8,000-₹10,000 during training, with job placement support afterward.",
      "benefit_amount": "₹8,000–₹10,000/month stipend during training",
      "launched": "1 June 2023",
      "last_verified": "2026-09-01",
      "official_url": "https://mmsky.mp.gov.in",
      "name_hi": "मुख्यमंत्री सीखो कमाओ योजना (मध्य प्रदेश)",
      "summary_hi": "मध्य प्रदेश के युवाओं को उद्योगों में व्यावहारिक प्रशिक्षण के साथ-साथ हर महीने ₹8,000 से ₹10,000 तक का वजीफा — सीखते हुए कमाने का मौका।",
      "benefit_amount_hi": "₹8,000–₹10,000/माह प्रशिक्षण वजीफा"
    },
    {
      "slug": "ladli-behna-yojana-mp",
      "code": "SS-MP-WMC-002",
      "name": "Mukhyamantri Ladli Behna Yojana",
      "level": "state",
      "state": "Madhya Pradesh",
      "ministry": "MP Department of Women & Child Development",
      "category": "women-child",
      "audience": [
        "married, widowed, or divorced women aged 23-60 in MP"
      ],
      "summary": "Monthly cash support of ₹1,250 directly to the bank accounts of eligible Madhya Pradesh women aged 23-60, from families earning under ₹2.5 lakh/year, who are not income-taxpayers or permanent government employees.",
      "benefit_amount": "₹1,500/month (₹18,000/year), up from ₹1,250 after Diwali 2025",
      "launched": "5 March 2023",
      "last_verified": "2026-09-01",
      "official_url": "https://cmladlibahna.mp.gov.in",
      "name_hi": "मुख्यमंत्री लाड़ली बहना योजना (मध्य प्रदेश)",
      "summary_hi": "मध्य प्रदेश की पात्र महिलाओं (23-60 वर्ष) के बैंक खाते में हर महीने सीधे ₹1,250 — जिन परिवारों की वार्षिक आय ₹2.5 लाख से कम है।",
      "benefit_amount_hi": "₹1,500/माह (₹18,000/वर्ष), दिवाली 2025 के बाद ₹1,250 से बढ़ाकर"
    },
    {
      "slug": "mukhyamantri-ayushman-arogya-yojana",
      "code": "SS-RJ-HLT-001",
      "name": "Mukhyamantri Ayushman Arogya Yojana (formerly Chiranjeevi Swasthya Bima Yojana)",
      "level": "state",
      "state": "Rajasthan",
      "ministry": "Rajasthan State Health Assurance Agency",
      "category": "health-wellness",
      "audience": [
        "Rajasthan families, especially BPL/NFSA/SECC categories"
      ],
      "summary": "Cashless health insurance up to ₹25 lakh/family/year for Rajasthan residents, free for BPL/NFSA/SECC-eligible families and available to others for a ₹850/year premium — integrated with Ayushman Bharat PM-JAY, and renamed from Chiranjeevi in February 2024.",
      "benefit_amount": "Up to ₹25,00,000/family/year; free (eligible) or ₹850/year premium",
      "launched": "1 May 2021 (renamed MAAY, February 2024)",
      "last_verified": "2026-09-01",
      "official_url": "https://chiranjeevi.rajasthan.gov.in",
      "name_hi": "मुख्यमंत्री आयुष्मान आरोग्य योजना (पूर्व नाम: चिरंजीवी स्वास्थ्य बीमा योजना, राजस्थान)",
      "summary_hi": "राजस्थान परिवारों को ₹25 लाख तक का कैशलेस स्वास्थ्य बीमा कवर — पात्र (BPL/NFSA/SECC) परिवारों के लिए मुफ्त, बाकी सभी के लिए ₹850/वर्ष के प्रीमियम पर।",
      "benefit_amount_hi": "₹25,00,000 तक/परिवार/वर्ष; मुफ्त या ₹850/वर्ष प्रीमियम"
    },
    {
      "slug": "kalibai-bheel-scooty-yojana",
      "code": "SS-RJ-EDU-003",
      "name": "Kalibai Bheel Medhavi Chhatra Scooty Yojana",
      "level": "state",
      "state": "Rajasthan",
      "ministry": "Rajasthan Department of Higher & Technical Education",
      "category": "education-learning",
      "audience": [
        "meritorious girl students in Rajasthan"
      ],
      "summary": "Free scooty (moped) for meritorious girl students in Rajasthan who achieve top marks in Class 12 board exams or higher education, aimed at reducing dropout linked to lack of safe transport for further study.",
      "benefit_amount": "Free scooty (moped)",
      "launched": "2014-15",
      "last_verified": "2026-09-01",
      "official_url": "https://hte.rajasthan.gov.in",
      "name_hi": "काली बाई भील मेधावी छात्रा स्कूटी योजना (राजस्थान)",
      "summary_hi": "राजस्थान की मेधावी छात्राओं को कक्षा 12 में अच्छे अंक लाने पर मुफ्त स्कूटी — ताकि वे कॉलेज तक आसानी से पहुंच सकें और पढ़ाई जारी रख सकें।",
      "benefit_amount_hi": "मुफ्त स्कूटी"
    },
    {
      "slug": "mukhyamantri-rajshri-yojana",
      "code": "SS-RJ-WMC-002",
      "name": "Mukhyamantri Rajshri Yojana",
      "level": "state",
      "state": "Rajasthan",
      "ministry": "Rajasthan Department of Women & Child Development",
      "category": "women-child",
      "audience": [
        "girl children born in Rajasthan"
      ],
      "summary": "Cash assistance for a girl child in Rajasthan, paid in installments from birth through school milestones (Class 1, 6, 10 and 12), to encourage institutional delivery, immunisation, and continued schooling for girls.",
      "benefit_amount": "Cash installments at birth and school milestones",
      "launched": "1 June 2016",
      "last_verified": "2026-09-01",
      "official_url": "https://wcd.rajasthan.gov.in",
      "name_hi": "मुख्यमंत्री राजश्री योजना (राजस्थान)",
      "summary_hi": "राजस्थान में जन्मी बेटी के लिए जन्म से कक्षा 12 तक 6 चरणों में कुल ₹50,000 — स्कूल में बनाए रखने और स्वास्थ्य सुनिश्चित करने के लिए।",
      "benefit_amount_hi": "कुल ₹50,000, 6 चरणों में"
    },
    {
      "slug": "ladki-bahin-yojana",
      "code": "SS-MH-WMC-001",
      "name": "Mukhyamantri Majhi Ladki Bahin Yojana",
      "level": "state",
      "state": "Maharashtra",
      "ministry": "Maharashtra Women & Child Development Department",
      "category": "women-child",
      "audience": [
        "women aged 21-65 in Maharashtra"
      ],
      "summary": "Monthly cash support of ₹1,500 to eligible Maharashtra women aged 21-65 from families earning under ₹2.5 lakh/year — new applications closed since October 2024; the portal now handles only e-KYC, corrections and status checks for existing beneficiaries.",
      "benefit_amount": "₹1,500/month (₹18,000/year)",
      "launched": "28 June 2024",
      "last_verified": "2026-09-01",
      "official_url": "https://ladakibahin.maharashtra.gov.in",
      "name_hi": "मुख्यमंत्री माझी लाड़की बहीण योजना (महाराष्ट्र)",
      "summary_hi": "महाराष्ट्र की पात्र महिलाओं (21-65 वर्ष) को हर महीने ₹1,500 — अक्टूबर 2024 से नए आवेदन बंद हैं; पोर्टल अब केवल मौजूदा लाभार्थियों के लिए e-KYC और स्थिति जांच के लिए उपलब्ध है।",
      "benefit_amount_hi": "₹1,500 / माह (₹18,000 / वर्ष)"
    },
    {
      "slug": "mahatma-jyotirao-phule-jan-arogya-yojana",
      "code": "SS-MH-HLT-001",
      "name": "Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY)",
      "level": "state",
      "state": "Maharashtra",
      "ministry": "Maharashtra Public Health & Family Welfare Department",
      "category": "health-wellness",
      "audience": [
        "low-income Maharashtra families"
      ],
      "summary": "Cashless treatment up to ₹5 lakh/family/year for 1,000+ medical procedures at empanelled hospitals across Maharashtra, for families holding a Yellow, Orange, Antyodaya or Annapurna ration card — integrated with Ayushman Bharat PM-JAY.",
      "benefit_amount": "₹5,00,000/family/year cashless cover",
      "launched": "2012 (as Rajiv Gandhi Jeevandayee Arogya Yojana; renamed 2017)",
      "last_verified": "2026-09-01",
      "official_url": "https://jeevandayee.gov.in",
      "name_hi": "महात्मा ज्योतिराव फुले जन आरोग्य योजना (महाराष्ट्र)",
      "summary_hi": "महाराष्ट्र परिवारों को ₹5 लाख तक का कैशलेस स्वास्थ्य बीमा कवर — आयुष्मान भारत PM-JAY के साथ एकीकृत, सरकारी और सूचीबद्ध निजी अस्पतालों में।",
      "benefit_amount_hi": "₹5,00,000 तक/परिवार/वर्ष"
    },
    {
      "slug": "cm-comprehensive-health-insurance-scheme-tn",
      "code": "SS-TN-HLT-001",
      "name": "Chief Minister's Comprehensive Health Insurance Scheme (Kalaignar Kaappittu Thittam)",
      "level": "state",
      "state": "Tamil Nadu",
      "ministry": "Tamil Nadu Health & Family Welfare Department",
      "category": "health-wellness",
      "audience": [
        "Tamil Nadu families earning under ₹1.2 lakh/year"
      ],
      "summary": "Cashless health insurance for major surgeries and procedures not covered under Ayushman Bharat PM-JAY — cover was raised from ₹5 lakh to ₹25 lakh per family per year in August 2026 under the new TVK state government.",
      "benefit_amount": "₹25,00,000/family/year (raised from ₹5,00,000, August 2026)",
      "launched": "2009 (Kalaignar Kaappittu Thittam); cover raised August 2026",
      "last_verified": "2026-09-01",
      "official_url": "https://www.cmchistn.com",
      "name_hi": "मुख्यमंत्री व्यापक स्वास्थ्य बीमा योजना (कलैगनार काप्पित्तु थिट्टम)",
      "summary_hi": "तमिलनाडु के गरीब परिवारों को गंभीर बीमारियों के इलाज के लिए सरकारी और सूचीबद्ध निजी अस्पतालों में मुफ्त कैशलेस इलाज।",
      "benefit_amount_hi": "₹5,00,000 तक प्रति परिवार प्रति वर्ष"
    },
    {
      "slug": "tn-free-electricity-scheme",
      "code": "SS-TN-UTL-002",
      "name": "Tamil Nadu Free Electricity Scheme (200 Units)",
      "level": "state",
      "state": "Tamil Nadu",
      "ministry": "Tamil Nadu Electricity Board (TANGEDCO)",
      "category": "utility-sanitation",
      "audience": [
        "all Tamil Nadu domestic electricity consumers"
      ],
      "summary": "Free electricity of 200 units every 2 months for every household in Tamil Nadu — one of the first orders signed by the new TVK state government on its first day in office, 18 May 2026.",
      "benefit_amount": "200 free units, every 2 months",
      "launched": "18 May 2026",
      "last_verified": "2026-09-01",
      "official_url": "https://www.tangedco.gov.in",
      "name_hi": "तमिलनाडु मुफ्त बिजली योजना (200 यूनिट)",
      "summary_hi": "तमिलनाडु के घरेलू बिजली उपभोक्ताओं को हर महीने 200 यूनिट तक मुफ्त बिजली — बिजली बिल में सीधी राहत।",
      "benefit_amount_hi": "200 यूनिट/माह मुफ्त बिजली"
    },
    {
      "slug": "gruha-lakshmi-scheme",
      "code": "SS-KA-WMC-001",
      "name": "Gruha Lakshmi Scheme",
      "level": "state",
      "state": "Karnataka",
      "ministry": "Karnataka Department of Women & Child Development",
      "category": "women-child",
      "audience": [
        "women heads of household in Karnataka"
      ],
      "summary": "₹2,000/month to the woman head of every eligible Karnataka household holding a BPL, Antyodaya or APL ration card — 2026 requires all beneficiaries to reapply and complete one-time biometric verification to remove ineligible/deceased entries.",
      "benefit_amount": "₹2,000/month (₹24,000/year)",
      "launched": "16 August 2023",
      "last_verified": "2026-09-01",
      "official_url": "https://sevasindhugs.karnataka.gov.in",
      "name_hi": "गृह लक्ष्मी योजना",
      "summary_hi": "कर्नाटक के हर परिवार की महिला मुखिया को हर महीने ₹2,000 की सीधी नकद सहायता — घरेलू खर्च और आर्थिक स्वतंत्रता के लिए।",
      "benefit_amount_hi": "₹2,000/माह प्रति परिवार"
    },
    {
      "slug": "anna-bhagya-scheme",
      "code": "SS-KA-SWE-002",
      "name": "Anna Bhagya Scheme",
      "level": "state",
      "state": "Karnataka",
      "ministry": "Karnataka Food, Civil Supplies & Consumer Affairs Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "BPL, Antyodaya and Priority Household ration cardholders in Karnataka"
      ],
      "summary": "10 kg of free rice a month for BPL, Antyodaya and Priority Household ration cardholders in Karnataka, added automatically to existing Aadhaar-linked ration cards — no separate application needed.",
      "benefit_amount": "10 kg free rice/month per eligible household",
      "launched": "9 July 2023",
      "last_verified": "2026-09-01",
      "official_url": "https://ahara.kar.nic.in",
      "name_hi": "अन्न भाग्य योजना",
      "summary_hi": "कर्नाटक के गरीबी रेखा से नीचे (BPL) परिवारों को हर सदस्य के लिए हर महीने मुफ्त चावल — खाद्य सुरक्षा सुनिश्चित करने के लिए।",
      "benefit_amount_hi": "5 किलो चावल/माह प्रति सदस्य (मुफ्त)"
    },
    {
      "slug": "vahli-dikri-yojana",
      "code": "SS-GJ-WMC-001",
      "name": "Vahli Dikri Yojana",
      "level": "state",
      "state": "Gujarat",
      "ministry": "Gujarat Department of Women & Child Development",
      "category": "women-child",
      "audience": [
        "girl children born on/after 2 August 2019 in Gujarat"
      ],
      "summary": "₹1,10,000 total for a Gujarat girl child, paid in three stages — ₹4,000 at Class 1 admission, ₹6,000 at Class 9 admission, and ₹1,00,000 at age 18 — for the first two daughters of families earning under ₹2 lakh/year.",
      "benefit_amount": "₹1,10,000 total, across 3 stages",
      "launched": "2 August 2019",
      "last_verified": "2026-09-01",
      "official_url": "https://wcd.gujarat.gov.in",
      "name_hi": "वहली दीकरी योजना",
      "summary_hi": "गुजरात में बेटी के जन्म पर परिवार को चरणबद्ध वित्तीय सहायता — स्कूली शिक्षा और 18 वर्ष की उम्र में उच्च शिक्षा/विवाह के लिए एकमुश्त राशि सहित।",
      "benefit_amount_hi": "कुल ₹1,10,000 तक (चरणबद्ध, 18 वर्ष तक)"
    },
    {
      "slug": "mukhyamantri-amrutam-yojana",
      "code": "SS-GJ-HLT-001",
      "name": "Mukhyamantri Amrutam (MA) Yojana",
      "level": "state",
      "state": "Gujarat",
      "ministry": "Gujarat Health & Family Welfare Department",
      "category": "health-wellness",
      "audience": [
        "BPL and lower-middle-income families in Gujarat"
      ],
      "summary": "Free cashless treatment up to ₹5 lakh/family/year for major illnesses — heart disease, cancer, kidney failure, neuro surgery — at 1,500+ empanelled hospitals in Gujarat and across India; the linked MA Vatsalya extends coverage to families earning up to ₹4 lakh/year.",
      "benefit_amount": "₹5,00,000/family/year cashless cover",
      "launched": "2012 (MA Vatsalya added 2014)",
      "last_verified": "2026-09-01",
      "official_url": "https://magujarat.com",
      "name_hi": "मुख्यमंत्री अमृतम (MA) योजना",
      "summary_hi": "गुजरात के गरीब परिवारों को गंभीर बीमारियों के इलाज के लिए सरकारी और सूचीबद्ध निजी अस्पतालों में मुफ्त कैशलेस इलाज।",
      "benefit_amount_hi": "₹5,00,000 तक प्रति परिवार प्रति वर्ष"
    },
    {
      "slug": "ntr-bharosa-pension-scheme",
      "code": "SS-AP-SWE-001",
      "name": "NTR Bharosa Pension Scheme",
      "level": "state",
      "state": "Andhra Pradesh",
      "ministry": "Andhra Pradesh Social Welfare Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "elderly",
        "widows",
        "disabled",
        "weavers",
        "fishermen and other vulnerable groups in AP"
      ],
      "summary": "Monthly pension for Andhra Pradesh's elderly, widowed, disabled, weavers, toddy tappers, fishermen, transgender persons and other vulnerable groups — this scheme replaced YSR Pension Kanuka in June 2024 under the new TDP-led state government, with increased amounts.",
      "benefit_amount": "₹4,000–₹15,000/month, by category",
      "launched": "June 2024 (replacing YSR Pension Kanuka)",
      "last_verified": "2026-09-01",
      "official_url": "https://ntrbharosa.ap.gov.in",
      "name_hi": "एनटीआर भरोसा पेंशन योजना",
      "summary_hi": "आंध्र प्रदेश के बुजुर्गों, विधवाओं, दिव्यांगों और अन्य कमज़ोर वर्गों को मासिक पेंशन — श्रेणी के अनुसार राशि तय होती है।",
      "benefit_amount_hi": "₹3,000/माह (सामान्य), दिव्यांगता में अधिक"
    },
    {
      "slug": "talliki-vandanam-scheme",
      "code": "SS-AP-EDU-002",
      "name": "Talliki Vandanam Scheme",
      "level": "state",
      "state": "Andhra Pradesh",
      "ministry": "Andhra Pradesh School Education Department",
      "category": "education-learning",
      "audience": [
        "mothers/guardians of school-going children in AP"
      ],
      "summary": "Annual financial assistance paid to a mother or guardian to support her child's continued school education in Andhra Pradesh — for eligible households holding a Rice Card, with the amount credited via DBT to the mother's Aadhaar-linked bank account.",
      "benefit_amount": "Annual DBT to mother's account (amount varies by notification)",
      "launched": "2024 (under the TDP-led state government)",
      "last_verified": "2026-09-01",
      "official_url": "https://tallikivandanam.ap.gov.in",
      "name_hi": "तल्लिकी वंदनम योजना",
      "summary_hi": "आंध्र प्रदेश में सरकारी स्कूलों में पढ़ने वाले बच्चों की मां को हर शैक्षणिक वर्ष स्कूल शुरू होने से पहले वित्तीय सहायता — यूनिफॉर्म, किताबें और स्कूल संबंधी खर्च के लिए।",
      "benefit_amount_hi": "₹15,000/वर्ष प्रति बच्चा (मां के खाते में)"
    },
    {
      "slug": "rythu-bharosa-telangana",
      "code": "SS-TG-AGR-001",
      "name": "Rythu Bharosa (Telangana)",
      "level": "state",
      "state": "Telangana",
      "ministry": "Telangana Department of Agriculture",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers with cultivable land in Telangana"
      ],
      "summary": "₹12,000 per acre per year (₹6,000 per season) for Telangana farmers with cultivable land verified on the Bhu Bharati land records system — the restructured successor to Rythu Bandhu, with landless agricultural labourers covered separately under Indiramma Atmiya Bharosa (₹12,000/year via MGNREGS job-card verification).",
      "benefit_amount": "₹12,000/acre/year (cultivable land only)",
      "launched": "2018 (as Rythu Bandhu); restructured as Rythu Bharosa, January 2025",
      "last_verified": "2026-09-01",
      "official_url": "https://rythubharosa.telangana.gov.in",
      "name_hi": "रायथु भरोसा (तेलंगाना)",
      "summary_hi": "तेलंगाना के किसानों को प्रति एकड़ खेती के लिए प्रत्यक्ष निवेश सहायता — बुवाई से पहले हर सीज़न सीधे बैंक खाते में।",
      "benefit_amount_hi": "₹5,000–₹6,000/एकड़/सीज़न"
    },
    {
      "slug": "indiramma-illu-housing-scheme",
      "code": "SS-TG-HSG-002",
      "name": "Indiramma Illu Housing Scheme",
      "level": "state",
      "state": "Telangana",
      "ministry": "Telangana Housing Department",
      "category": "housing-shelter",
      "audience": [
        "homeless and low-income families in Telangana"
      ],
      "summary": "Financial assistance up to ₹5 lakh (₹6 lakh for SC/ST) to build a permanent house, plus a free 250 sq. yard plot for landless families — targeting construction of 4.5 lakh homes across Telangana, roughly 3,500 houses per constituency.",
      "benefit_amount": "Up to ₹5,00,000 (₹6,00,000 for SC/ST) + free plot for landless",
      "launched": "March 2024",
      "last_verified": "2026-09-01",
      "official_url": "https://indirammaillu.telangana.gov.in",
      "name_hi": "इंदिरम्मा इल्लू आवास योजना",
      "summary_hi": "तेलंगाना के गरीब और बेघर परिवारों को पक्का मकान बनाने के लिए वित्तीय सहायता — विशेष रूप से ग्रामीण और शहरी गरीब परिवारों के लिए।",
      "benefit_amount_hi": "₹5,00,000 तक प्रति घर (चरणबद्ध)"
    },
    {
      "slug": "karunya-arogya-suraksha-padhathi",
      "code": "SS-KL-HLT-001",
      "name": "Karunya Arogya Suraksha Padhathi (KASP)",
      "level": "state",
      "state": "Kerala",
      "ministry": "Kerala State Health Agency",
      "category": "health-wellness",
      "audience": [
        "low-income and vulnerable families in Kerala"
      ],
      "summary": "Cashless health cover of ₹5 lakh per family per year for the bottom 40% of Kerala's population — merges RSBY, CHIS, Senior Citizen Health Insurance and Karunya Benevolent Fund with Ayushman Bharat PM-JAY, with pre-existing diseases covered from day one and no family-size or age cap.",
      "benefit_amount": "₹5,00,000/family/year cashless cover",
      "launched": "2019 (as KASP; trust mode since 1 July 2020)",
      "last_verified": "2026-09-01",
      "official_url": "https://sha.kerala.gov.in",
      "name_hi": "करुण्य आरोग्य सुरक्षा पद्धति (KASP)",
      "summary_hi": "केरल के परिवारों को गंभीर बीमारियों के इलाज के लिए सरकारी और सूचीबद्ध निजी अस्पतालों में मुफ्त कैशलेस इलाज — आयुष्मान भारत PM-JAY के साथ समन्वित।",
      "benefit_amount_hi": "₹5,00,000 तक प्रति परिवार प्रति वर्ष"
    },
    {
      "slug": "ashirwad-shagun-scheme",
      "code": "SS-PB-WMC-001",
      "name": "Ashirwad Scheme (formerly Shagun Scheme)",
      "level": "state",
      "state": "Punjab",
      "ministry": "Punjab Department of Social Security & Women Empowerment",
      "category": "women-child",
      "audience": [
        "low-income SC/BC/EWS families with a daughter marrying in Punjab"
      ],
      "summary": "₹51,000 direct cash transfer for the marriage of a girl (18+) from a low-income SC, Backward Class, or economically weaker family in Punjab — covers up to two daughters per family, and also extends to daughters of widows.",
      "benefit_amount": "₹51,000 per daughter (max. 2 per family)",
      "launched": "26 January 2004 (as Shagun; renamed Ashirwad, raised to ₹51,000)",
      "last_verified": "2026-09-01",
      "official_url": "https://ashirwad.punjab.gov.in",
      "name_hi": "आशीर्वाद योजना (पूर्व में शगुन योजना)",
      "summary_hi": "पंजाब में गरीब परिवारों की बेटियों की शादी के लिए वित्तीय सहायता — शादी के खर्च में मदद के लिए एकमुश्त अनुदान।",
      "benefit_amount_hi": "₹51,000 प्रति बेटी की शादी"
    },
    {
      "slug": "mukhyamantri-parivar-samridhi-yojana",
      "code": "SS-HR-SWE-001",
      "name": "Mukhyamantri Parivar Samridhi Yojana (MMPSY)",
      "level": "state",
      "state": "Haryana",
      "ministry": "Haryana Department of Social Justice & Empowerment",
      "category": "social-welfare-empowerment",
      "audience": [
        "low-income families in Haryana"
      ],
      "summary": "₹6,000 a year (₹500/month) to eligible Haryana families with income under ₹1.8 lakh or landholding under 2 hectares — earmarked to help cover the family's own contribution toward pension and insurance schemes like PMJJBY, PMSBY and NPS/APY.",
      "benefit_amount": "₹6,000/year (₹500/month)",
      "launched": "2019",
      "last_verified": "2026-09-01",
      "official_url": "https://cm-psy.haryana.gov.in",
      "name_hi": "मुख्यमंत्री परिवार समृद्धि योजना (MMPSY)",
      "summary_hi": "हरियाणा के गरीब परिवारों को हर साल प्रत्यक्ष वित्तीय सहायता — परिवार की आय को सुरक्षा प्रदान करने और सामाजिक सुरक्षा योजनाओं से जोड़ने के लिए।",
      "benefit_amount_hi": "₹6,000/वर्ष प्रति परिवार"
    },
    {
      "slug": "abua-swasthya-suraksha-yojana",
      "code": "SS-JH-HLT-001",
      "name": "Mukhyamantri Abua Swasthya Suraksha Yojana (MASSY)",
      "level": "state",
      "state": "Jharkhand",
      "ministry": "Jharkhand Department of Health, Medical Education & Family Welfare",
      "category": "health-wellness",
      "audience": [
        "Jharkhand families not covered under Ayushman Bharat PM-JAY"
      ],
      "summary": "Cashless health cover up to ₹15 lakh/family/year for Jharkhand families who missed out on Ayushman Bharat PM-JAY's ₹5 lakh cover — a top-up layer reaching a wider ration-card population than the central scheme alone.",
      "benefit_amount": "₹15,00,000/family/year cashless cover",
      "launched": "26 June 2024",
      "last_verified": "2026-09-01",
      "official_url": "https://bis.jharkhand.gov.in",
      "name_hi": "मुख्यमंत्री अबुआ स्वास्थ्य सुरक्षा योजना (MASSY)",
      "summary_hi": "झारखंड के परिवारों को गंभीर बीमारियों के इलाज के लिए सरकारी और सूचीबद्ध निजी अस्पतालों में मुफ्त कैशलेस इलाज — आयुष्मान भारत PM-JAY के साथ समन्वित।",
      "benefit_amount_hi": "₹5,00,000 तक प्रति परिवार प्रति वर्ष"
    },
    {
      "slug": "mahtari-vandan-yojana",
      "code": "SS-CG-WMC-001",
      "name": "Mahtari Vandan Yojana",
      "level": "state",
      "state": "Chhattisgarh",
      "ministry": "Chhattisgarh Department of Women & Child Development",
      "category": "women-child",
      "audience": [
        "married, widowed, divorced or deserted women aged 21+ in Chhattisgarh"
      ],
      "summary": "₹1,000/month direct cash transfer to eligible Chhattisgarh women aged 21 and above — a mandatory biometric eKYC deadline (30 June 2026) applies to all existing beneficiaries to keep payments active.",
      "benefit_amount": "₹1,000/month (₹12,000/year)",
      "launched": "1 March 2024",
      "last_verified": "2026-09-01",
      "official_url": "https://mahtarivandan.cgstate.gov.in",
      "name_hi": "महतारी वंदन योजना",
      "summary_hi": "छत्तीसगढ़ की विवाहित महिलाओं को हर महीने सीधी नकद सहायता — घरेलू खर्च और आर्थिक स्वतंत्रता के लिए।",
      "benefit_amount_hi": "₹1,000/माह प्रति महिला"
    },
    {
      "slug": "orunodoi-scheme",
      "code": "SS-AS-SWE-001",
      "name": "Orunodoi Scheme (3.0)",
      "level": "state",
      "state": "Assam",
      "ministry": "Assam Directorate of Social Welfare",
      "category": "social-welfare-empowerment",
      "audience": [
        "low-income households in Assam"
      ],
      "summary": "₹1,250/month (₹1,500 with the LPG add-on) direct cash transfer to eligible low-income Assam households, credited to the woman member's bank account — now in its third, expanded version, reaching 38-40 lakh households.",
      "benefit_amount": "₹1,250–₹1,500/month per household",
      "launched": "2 October 2020 (Orunodoi 3.0 since 7 October 2025)",
      "last_verified": "2026-09-01",
      "official_url": "https://orunodoi.assam.gov.in",
      "name_hi": "ओरुणोदोई योजना (3.0)",
      "summary_hi": "असम के गरीब परिवारों की महिला मुखिया को हर महीने सीधी नकद सहायता — घरेलू आय सुरक्षा के लिए।",
      "benefit_amount_hi": "₹1,250/माह प्रति परिवार (महिला मुखिया को)"
    },
    {
      "slug": "delhi-women-monthly-scheme",
      "code": "SS-DL-WMC-001",
      "name": "Delhi Lakshmi Yojana (formerly Mahila Samriddhi Yojana)",
      "level": "state",
      "state": "Delhi (NCT)",
      "ministry": "Government of NCT of Delhi",
      "category": "women-child",
      "audience": [
        "women residents of Delhi"
      ],
      "summary": "Delhi's BJP government approved this ₹2,500-a-month scheme for women on 8 March 2025, but the payment didn't actually start for well over a year while rules and the application portal were finalised. Renamed from Mahila Samriddhi Yojana to Delhi Lakshmi Yojana on 13 July 2026, with registration opening on the dly.delhi.gov.in portal and the first payments reaching accounts from 1 September 2026. It replaces AAP's never-implemented Mahila Samman Yojana proposal from the 2025 election.",
      "benefit_amount": "₹2,500/month (first payments from 1 September 2026)",
      "launched": "Proposed 2024; restructured under new state government, 2025-2026",
      "last_verified": "2026-09-01",
      "official_url": "https://dly.delhi.gov.in",
      "name_hi": "दिल्ली लक्ष्मी योजना (पूर्व नाम: महिला समृद्धि योजना)",
      "summary_hi": "दिल्ली की भाजपा सरकार ने 8 मार्च 2025 को महिलाओं के लिए इस ₹2,500 मासिक योजना को मंज़ूरी दी, लेकिन नियम और आवेदन पोर्टल अंतिम रूप लेने के दौरान भुगतान वास्तव में एक साल से अधिक समय तक शुरू नहीं हुआ। 13 जुलाई 2026 को महिला समृद्धि योजना से दिल्ली लक्ष्मी योजना नाम बदला गया, dly.delhi.gov.in पोर्टल पर पंजीकरण खुला और 1 सितंबर 2026 से पहला भुगतान खातों में पहुंचा। यह AAP के 2025 चुनाव के कभी लागू न हुए महिला सम्मान योजना प्रस्ताव की जगह लेती है।",
      "benefit_amount_hi": "₹2,500/माह (1 सितंबर 2026 से पहला भुगतान)"
    },
    {
      "slug": "mukhyamantri-sukh-ashray-yojana",
      "code": "SS-HP-SWE-001",
      "name": "Mukhyamantri Sukh Ashray Yojana",
      "level": "state",
      "state": "Himachal Pradesh",
      "ministry": "Himachal Pradesh Social Justice & Empowerment Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "orphans",
        "destitute women",
        "elderly",
        "persons with disabilities in HP"
      ],
      "summary": "Himachal Pradesh's government formally adopts orphaned and abandoned children as 'Children of the State,' providing care, education and ₹1 lakh/year for coaching or hostel support after 18 — alongside integrated care for destitute women, the elderly, and persons with disabilities.",
      "benefit_amount": "Full state care for children; ₹1,00,000/year (18+, for education/hostel)",
      "launched": "16 February 2023",
      "last_verified": "2026-09-01",
      "official_url": "https://himachal.nic.in",
      "name_hi": "मुख्यमंत्री सुख आश्रय योजना",
      "summary_hi": "हिमाचल प्रदेश के अनाथ, बेसहारा बच्चों और ज़रूरतमंद बुजुर्गों को आश्रय, भरण-पोषण, शिक्षा और स्वास्थ्य सहायता — राज्य को \"अभिभावक\" के रूप में मान्यता देते हुए।",
      "benefit_amount_hi": "मुफ्त आश्रय, भरण-पोषण, शिक्षा एवं स्वास्थ्य सहायता"
    },
    {
      "slug": "ghasyari-kalyan-yojana",
      "code": "SS-UK-AGR-001",
      "name": "Mukhyamantri Ghasyari Kalyan Yojana",
      "level": "state",
      "state": "Uttarakhand",
      "ministry": "Uttarakhand Department of Animal Husbandry",
      "category": "agriculture-rural-environment",
      "audience": [
        "women cattle/livestock rearers in hill regions of Uttarakhand"
      ],
      "summary": "Subsidised packed silage and fodder blocks for women livestock rearers in Uttarakhand's hill regions, at ₹2.75/kg (a 75% subsidy on the ₹9/kg cost), distributed through 7,771+ centres — freeing women from the traditional, often dangerous, task of foraging for fodder in forests.",
      "benefit_amount": "75% subsidy on fodder (₹2.75/kg vs ₹9/kg market price)",
      "launched": "1 November 2021",
      "last_verified": "2026-09-01",
      "official_url": "https://dahd.uk.gov.in",
      "name_hi": "मुख्यमंत्री घस्यारी कल्याण योजना",
      "summary_hi": "उत्तराखंड की महिलाओं को पशुओं के लिए चारा काटने के कठिन श्रम से राहत — मुफ्त चारा कटाई मशीन (चैफ कटर) देकर।",
      "benefit_amount_hi": "मुफ्त चारा कटाई मशीन (चैफ कटर)"
    },
    {
      "slug": "ab-pmjay-sehat-scheme",
      "code": "SS-JK-HLT-001",
      "name": "AB-PMJAY SEHAT Scheme",
      "level": "state",
      "state": "Jammu & Kashmir",
      "ministry": "J&K State Health Agency",
      "category": "health-wellness",
      "audience": [
        "all residents of Jammu & Kashmir"
      ],
      "summary": "Universal cashless health cover of ₹5 lakh per family per year for every resident of Jammu & Kashmir, regardless of income — extends Ayushman Bharat PM-JAY to roughly 15 lakh additional families who weren't covered under the central scheme's income-based criteria.",
      "benefit_amount": "₹5,00,000/family/year cashless cover",
      "launched": "26 December 2020",
      "last_verified": "2026-09-01",
      "official_url": "https://sehat.jk.gov.in",
      "name_hi": "एबी-पीएमजेएवाई सेहत योजना",
      "summary_hi": "जम्मू-कश्मीर के हर निवासी परिवार को गंभीर बीमारियों के इलाज के लिए मुफ्त कैशलेस इलाज — आयुष्मान भारत PM-JAY का सार्वभौमिक विस्तार, बिना किसी आय सीमा के।",
      "benefit_amount_hi": "₹5,00,000 तक प्रति परिवार प्रति वर्ष (सार्वभौमिक)"
    },
    {
      "slug": "griha-aadhar-scheme",
      "code": "SS-GA-WMC-001",
      "name": "Griha Aadhar Scheme",
      "level": "state",
      "state": "Goa",
      "ministry": "Goa Directorate of Women & Child Development",
      "category": "women-child",
      "audience": [
        "homemaker women in Goa"
      ],
      "summary": "Monthly financial assistance to homemaker women (not in paid employment) who are long-term Goa residents — support for the unpaid domestic work that underpins most households, paid directly to the woman's own bank account.",
      "benefit_amount": "₹1,500–₹2,500/month — confirm current rate",
      "launched": "2012",
      "last_verified": "2026-09-01",
      "official_url": "https://dwcd.goa.gov.in",
      "name_hi": "गृह आधार योजना",
      "summary_hi": "गोवा की गरीब परिवारों की महिला मुखिया को हर महीने सीधी नकद सहायता — घरेलू खर्च के लिए।",
      "benefit_amount_hi": "₹1,500/माह प्रति परिवार (महिला मुखिया को)"
    },
    {
      "slug": "chief-minister-hakshelgi-tengbang",
      "code": "SS-MN-HLT-001",
      "name": "Chief Minister-gi Hakshelgi Tengbang (CMHT)",
      "level": "state",
      "state": "Manipur",
      "ministry": "Manipur Department of Health & Family Welfare",
      "category": "health-wellness",
      "audience": [
        "SECC-identified poor families in Manipur"
      ],
      "summary": "Cashless health cover up to ₹2 lakh per family per year for poor and SECC-identified households in Manipur, at 9 district hospitals (including 2 medical colleges) and empanelled private hospitals — with a linked scheme, CMST, separately supporting persons with disabilities.",
      "benefit_amount": "₹2,00,000/family/year cashless cover",
      "launched": "21 January 2018",
      "last_verified": "2026-09-01",
      "official_url": "https://cmht.mn.gov.in",
      "name_hi": "चीफ मिनिस्टर-गी हकशेल्गी तेंगबांग (CMHT)",
      "summary_hi": "मणिपुर के परिवारों को गंभीर बीमारियों के इलाज के लिए सरकारी और सूचीबद्ध निजी अस्पतालों में मुफ्त कैशलेस इलाज।",
      "benefit_amount_hi": "₹2,00,000 तक प्रति परिवार प्रति वर्ष"
    },
    {
      "slug": "cm-scholarship-scheme-meghalaya",
      "code": "SS-ML-EDU-001",
      "name": "Chief Minister's Scholarship Scheme",
      "level": "state",
      "state": "Meghalaya",
      "ministry": "Meghalaya Department of Education",
      "category": "education-learning",
      "audience": [
        "meritorious students in Meghalaya"
      ],
      "summary": "₹6,000 a year for eligible Meghalaya students, credited via DBT to support continued schooling — awarded across ability groups (A/B/C categories), with the scheme's own portal noting periodic delays in payment credit that beneficiaries should track directly.",
      "benefit_amount": "₹6,000/year",
      "launched": "Ongoing (year of original launch not confirmed — check portal)",
      "last_verified": "2026-09-01",
      "official_url": "https://meghalaya.gov.in",
      "name_hi": "मुख्यमंत्री छात्रवृत्ति योजना",
      "summary_hi": "मेघालय के मेधावी छात्रों को उच्च शिक्षा के लिए छात्रवृत्ति — शैक्षणिक प्रदर्शन के आधार पर वित्तीय सहायता।",
      "benefit_amount_hi": "शैक्षणिक स्तर एवं प्रदर्शन के अनुसार छात्रवृत्ति राशि"
    },
    {
      "slug": "cm-sath-scheme-tripura",
      "code": "SS-TR-EDU-001",
      "name": "CM-SATH Scheme (Chief Minister's Scholarship for Assistance to Talented and High-performing students)",
      "level": "state",
      "state": "Tripura",
      "ministry": "Tripura Department of Education",
      "category": "education-learning",
      "audience": [
        "top-performing Class 10 and 12 students in Tripura"
      ],
      "summary": "₹5,000/month (₹60,000/year) for the top 100 Madhyamik (Class 10) and top 100 Higher Secondary (Class 12) board exam performers in Tripura — paid for 2 years (Madhyamik) or 3 years (Higher Secondary) to support continued education.",
      "benefit_amount": "₹5,000/month (₹60,000/year), for 2-3 years",
      "launched": "2024",
      "last_verified": "2026-09-01",
      "official_url": "https://tripura.gov.in",
      "name_hi": "सीएम-साथ योजना",
      "summary_hi": "त्रिपुरा के प्रतिभाशाली और उच्च-प्रदर्शन करने वाले छात्रों के लिए विशेष छात्रवृत्ति सहायता — शैक्षणिक उत्कृष्टता को बढ़ावा देने के लिए।",
      "benefit_amount_hi": "शैक्षणिक प्रदर्शन के अनुसार छात्रवृत्ति राशि"
    },
    {
      "slug": "cm-rural-housing-scheme-sikkim",
      "code": "SS-SK-HSG-001",
      "name": "Chief Minister Rural Housing Scheme (CMRHM)",
      "level": "state",
      "state": "Sikkim",
      "ministry": "Sikkim Rural Management & Development Department",
      "category": "housing-shelter",
      "audience": [
        "rural BPL households in Sikkim living in kutcha houses"
      ],
      "summary": "₹3 lakh to convert a kutcha hut into a permanent pucca house for underprivileged Sikkim households — includes 50 GCI roofing sheets, with beneficiaries screened by rural Ward Sabhas and free to self-fund expansion beyond the standard 600 sq. ft.",
      "benefit_amount": "₹3,00,000 + 50 GCI roofing sheets",
      "launched": "22 September 2010",
      "last_verified": "2026-09-01",
      "official_url": "https://www.sikkim.gov.in",
      "name_hi": "मुख्यमंत्री ग्रामीण आवास योजना (CMRHM)",
      "summary_hi": "सिक्किम के ग्रामीण गरीब परिवारों को पक्का मकान बनाने के लिए वित्तीय सहायता — बेघर और कच्चे मकान वाले परिवारों के लिए।",
      "benefit_amount_hi": "चरणबद्ध वित्तीय सहायता प्रति घर"
    },
    {
      "slug": "cm-housing-scheme-arunachal-pradesh",
      "code": "SS-AR-HSG-001",
      "name": "Chief Minister's Housing Scheme (CM Housing / PMAY-G Top-Up)",
      "level": "state",
      "state": "Arunachal Pradesh",
      "ministry": "Arunachal Pradesh Rural Development Department",
      "category": "housing-shelter",
      "audience": [
        "BPL APST tribal families in Arunachal Pradesh"
      ],
      "summary": "₹2 lakh for pucca house construction for BPL APST (Arunachal Pradesh Scheduled Tribe) families — combines the central PMAY-Gramin hilly-state rate (₹1.3 lakh) with a state top-up (₹0.7 lakh); Village Council certification is accepted as land proof, since most land is under tribal community ownership.",
      "benefit_amount": "₹2,00,000 (₹1,30,000 central + ₹70,000 state)",
      "launched": "2016",
      "last_verified": "2026-09-01",
      "official_url": "https://arunachalpradesh.gov.in",
      "name_hi": "मुख्यमंत्री आवास योजना (PMAY-G टॉप-अप)",
      "summary_hi": "अरुणाचल प्रदेश में प्रधानमंत्री आवास योजना-ग्रामीण के तहत मिलने वाली सहायता के ऊपर राज्य सरकार की अतिरिक्त वित्तीय सहायता — पहाड़ी क्षेत्र में घर बनाने की अधिक लागत को देखते हुए।",
      "benefit_amount_hi": "PMAY-G के ऊपर अतिरिक्त राज्य सहायता"
    },
    {
      "slug": "chief-minister-health-insurance-scheme-nagaland",
      "code": "SS-NL-HLT-001",
      "name": "Chief Minister Health Insurance Scheme (CMHIS)",
      "level": "state",
      "state": "Nagaland",
      "ministry": "Nagaland Health Protection Society, Dept. of Health & Family Welfare",
      "category": "health-wellness",
      "audience": [
        "all residents of Nagaland"
      ],
      "summary": "Cashless health cover for Nagaland residents not covered under Ayushman Bharat PM-JAY — ₹5 lakh/family/year for the general public, and ₹20 lakh/family/year for state government employees and pensioners; run jointly with PM-JAY as 'AB PM-JAY CMHIS.'",
      "benefit_amount": "₹5,00,000 (general) / ₹20,00,000 (govt employees & pensioners), per family/year",
      "launched": "2021",
      "last_verified": "2026-09-01",
      "official_url": "https://cmhis.nagaland.gov.in",
      "name_hi": "मुख्यमंत्री स्वास्थ्य बीमा योजना (CMHIS)",
      "summary_hi": "नागालैंड के परिवारों को गंभीर बीमारियों के इलाज के लिए सरकारी और सूचीबद्ध निजी अस्पतालों में मुफ्त कैशलेस इलाज।",
      "benefit_amount_hi": "₹5,00,000 तक प्रति परिवार प्रति वर्ष"
    },
    {
      "slug": "mizoram-universal-health-care-scheme",
      "code": "SS-MZ-HLT-001",
      "name": "Mizoram Universal Health Care Scheme (MUHCS)",
      "level": "state",
      "state": "Mizoram",
      "ministry": "Mizoram State Health Care Society, Dept. of Health & Family Welfare",
      "category": "health-wellness",
      "audience": [
        "all bona fide residents of Mizoram"
      ],
      "summary": "Cashless health cover up to ₹5 lakh/family/year for every Mizoram resident on a family-floater basis — automatic for PM-JAY beneficiaries, government employees and pensioners, while the general public enrols as Contributory Beneficiaries paying an annual premium (from ₹2,500 under the General Plan).",
      "benefit_amount": "₹5,00,000/family/year; ₹2,500+/year premium (contributory)",
      "launched": "1 April 2025",
      "last_verified": "2026-09-01",
      "official_url": "https://muhcs.mizoram.gov.in",
      "name_hi": "मिज़ोरम सार्वभौमिक स्वास्थ्य देखभाल योजना (MUHCS)",
      "summary_hi": "मिज़ोरम के हर निवासी परिवार को गंभीर बीमारियों के इलाज के लिए मुफ्त कैशलेस इलाज — बिना किसी आय सीमा के, सार्वभौमिक कवरेज।",
      "benefit_amount_hi": "₹5,00,000 तक प्रति परिवार प्रति वर्ष (सार्वभौमिक)"
    },
    {
      "slug": "cm-comprehensive-health-insurance-scheme-puducherry",
      "code": "SS-PY-HLT-001",
      "name": "Chief Minister's Comprehensive Health Insurance Scheme",
      "level": "state",
      "state": "Puducherry",
      "ministry": "Puducherry Health & Family Welfare Department",
      "category": "health-wellness",
      "audience": [
        "BPL families in Puducherry"
      ],
      "summary": "Cashless health insurance up to ₹5 lakh/year for BPL families across all four regions of Puducherry (Puducherry, Karaikal, Mahe, Yanam), covering 1,000+ procedures including major surgery, cancer treatment, heart surgery, kidney dialysis and organ transplants at government and empanelled private hospitals.",
      "benefit_amount": "₹5,00,000/year cashless cover",
      "launched": "Ongoing (exact launch year not confirmed — check portal)",
      "last_verified": "2026-09-01",
      "official_url": "https://py.gov.in",
      "name_hi": "मुख्यमंत्री व्यापक स्वास्थ्य बीमा योजना (पुडुचेरी)",
      "summary_hi": "पुडुचेरी के परिवारों को गंभीर बीमारियों के इलाज के लिए सरकारी और सूचीबद्ध निजी अस्पतालों में मुफ्त कैशलेस इलाज।",
      "benefit_amount_hi": "₹5,00,000 तक प्रति परिवार प्रति वर्ष"
    },
    {
      "slug": "chb-affordable-housing-scheme",
      "code": "SS-CH-HSG-001",
      "name": "CHB Affordable Housing Scheme",
      "level": "state",
      "state": "Chandigarh",
      "ministry": "Chandigarh Housing Board (CHB)",
      "category": "housing-shelter",
      "audience": [
        "EWS/LIG/MIG families in Chandigarh",
        "BPL",
        "SC/ST",
        "defence personnel"
      ],
      "summary": "Allotment of subsidised 1BHK/2BHK flats or residential plots in Chandigarh through a transparent computerised lottery, with priority for BPL families, SC/ST applicants, and serving/retired defence personnel — below-market rates set by the Chandigarh Housing Board, which has built affordable housing in the UT since 1976.",
      "benefit_amount": "Subsidised 1BHK/2BHK flats or plots, below market rate",
      "launched": "1976 (CHB established); scheme rounds ongoing",
      "last_verified": "2026-09-01",
      "official_url": "https://chbonline.in",
      "name_hi": "CHB किफायती आवास योजना",
      "summary_hi": "चंडीगढ़ के गरीब और मध्यम वर्गीय परिवारों को किफायती दर पर आवासीय फ्लैट — चंडीगढ़ हाउसिंग बोर्ड के ज़रिए।",
      "benefit_amount_hi": "बाज़ार दर से कम कीमत पर आवासीय फ्लैट"
    },
    {
      "slug": "cm-kanya-vivah-yojana-dnhdd",
      "code": "SS-DH-WMC-001",
      "name": "Chief Minister Kanya Vivah Yojana",
      "level": "state",
      "state": "Dadra & Nagar Haveli and Daman & Diu",
      "ministry": "DNH & DD Women & Child Development Department",
      "category": "women-child",
      "audience": [
        "BPL families with a daughter marrying, in DNH & DD"
      ],
      "summary": "₹51,000 financial assistance to Below Poverty Line families in Dadra & Nagar Haveli and Daman & Diu for the marriage of their daughter — easing the wedding-expense burden for low-income households in the UT.",
      "benefit_amount": "₹51,000 per daughter",
      "launched": "Ongoing (exact launch year not confirmed — check portal)",
      "last_verified": "2026-09-01",
      "official_url": "https://ddd.gov.in",
      "name_hi": "मुख्यमंत्री कन्या विवाह योजना",
      "summary_hi": "दादरा एवं नगर हवेली तथा दमन एवं दीव में गरीब परिवारों की बेटियों की शादी के लिए वित्तीय सहायता — शादी के खर्च में मदद के लिए एकमुश्त अनुदान।",
      "benefit_amount_hi": "एकमुश्त विवाह सहायता राशि"
    },
    {
      "slug": "fishing-boat-subsidy-scheme-andaman",
      "code": "SS-AN-AGR-001",
      "name": "Subsidy for Construction/Purchase of New Motorized/Mechanized Fishing Boats",
      "level": "state",
      "state": "Andaman & Nicobar Islands",
      "ministry": "Directorate of Fisheries, A&N Administration",
      "category": "agriculture-rural-environment",
      "audience": [
        "bonafide fishermen and tribal communities in A&N Islands",
        "unemployed youth",
        "fisheries cooperatives"
      ],
      "summary": "50% subsidy (75% for tribal category) on the cost of a new motorized or mechanized fishing boat for bonafide fishermen, tribal communities, unemployed youth, entrepreneurs and Fisheries Cooperative Societies across the Andaman & Nicobar Islands, renewed annually under the UT Plan Scheme.",
      "benefit_amount": "50% subsidy (general) / 75% (tribal category) on boat cost",
      "launched": "Ongoing annual scheme",
      "last_verified": "2026-09-01",
      "official_url": "https://andamannicobar.gov.in",
      "name_hi": "मोटरयुक्त/यांत्रिक मछली पकड़ने वाली नाव निर्माण/खरीद सब्सिडी योजना",
      "summary_hi": "अंडमान एवं निकोबार द्वीप समूह के मछुआरों को नई मोटरयुक्त/यांत्रिक मछली पकड़ने वाली नाव बनवाने या खरीदने के लिए सब्सिडी।",
      "benefit_amount_hi": "नाव लागत पर सब्सिडी (श्रेणी अनुसार)"
    },
    {
      "slug": "coconut-development-programme-lakshadweep",
      "code": "SS-LD-AGR-001",
      "name": "Coconut Development Programme",
      "level": "state",
      "state": "Lakshadweep",
      "ministry": "Lakshadweep Department of Agriculture",
      "category": "agriculture-rural-environment",
      "audience": [
        "coconut farmers and climbers in Lakshadweep"
      ],
      "summary": "Subsidised copra driers, dwarf coconut varieties suited to the islands, comprehensive insurance for coconut climbers, and pest/disease management support — sustaining Lakshadweep's coconut economy, the backbone of the islands' agriculture since land is extremely scarce.",
      "benefit_amount": "Subsidised farm inputs, climber insurance, pest management support",
      "launched": "Ongoing (Dept. of Agriculture established 1956)",
      "last_verified": "2026-09-01",
      "official_url": "https://lakshadweep.gov.in",
      "name_hi": "नारियल विकास कार्यक्रम",
      "summary_hi": "लक्षद्वीप के नारियल किसानों को उन्नत खेती तकनीक, कीट नियंत्रण, और नारियल आधारित उत्पादों के प्रसंस्करण के लिए सहायता — द्वीप की मुख्य आर्थिक फसल के लिए।",
      "benefit_amount_hi": "प्रशिक्षण एवं प्रसंस्करण सहायता"
    },
    {
      "slug": "pashmina-production-incentive-ladakh",
      "code": "SS-LA-AGR-001",
      "name": "Pashmina Production-Based Incentive Scheme",
      "level": "state",
      "state": "Ladakh",
      "ministry": "Ladakh Pashmina Development Board",
      "category": "agriculture-rural-environment",
      "audience": [
        "nomadic Pashmina goat herders in Ladakh"
      ],
      "summary": "A 25% production-based cash incentive, paid via DBT, to Changpa nomadic Pashmina herders in Ladakh's Changthang region (Samad, Kharnak, Korzok villages) — ₹1.10 crore was disbursed to 1,200+ herders in 2026, aiming to raise fibre yield and herd size while sustaining a centuries-old nomadic livelihood.",
      "benefit_amount": "25% production-based incentive, via DBT",
      "launched": "5 July 2026 (Ladakh Pashmina Development Board's first meeting)",
      "last_verified": "2026-09-01",
      "official_url": "https://ladakh.gov.in",
      "name_hi": "पश्मीना उत्पादन-आधारित प्रोत्साहन योजना",
      "summary_hi": "लद्दाख के चांगथांगी पश्मीना बकरी पालकों को उत्पादन के आधार पर प्रोत्साहन राशि — दुनिया की सबसे बेहतरीन पश्मीना ऊन के उत्पादकों को समर्थन देने के लिए।",
      "benefit_amount_hi": "पश्मीना उत्पादन की मात्रा के अनुसार प्रोत्साहन राशि"
    },
    {
      "slug": "up-vridha-pension-yojana",
      "code": "SS-UP-SWE-003",
      "name": "UP Vridhavastha Pension Yojana (Old Age Pension)",
      "level": "state",
      "state": "Uttar Pradesh",
      "ministry": "UP Department of Social Welfare (SSPY)",
      "category": "social-welfare-empowerment",
      "audience": [
        "senior citizens aged 60+ in Uttar Pradesh"
      ],
      "summary": "₹1,000/month pension for BPL senior citizens (60+) in Uttar Pradesh, paid quarterly (₹3,000/installment) via DBT — administered through the state's Samajik Suraksha Pension Yojana (SSPY) portal alongside the widow and disability pensions.",
      "benefit_amount": "₹1,000/month (₹3,000 quarterly installment)",
      "launched": "Ongoing (SSPY portal)",
      "last_verified": "2026-09-01",
      "official_url": "https://sspy-up.gov.in",
      "name_hi": "उत्तर प्रदेश वृद्धावस्था पेंशन योजना",
      "summary_hi": "उत्तर प्रदेश के BPL वरिष्ठ नागरिकों (60+) को ₹1,000/माह पेंशन, तिमाही किस्त में सीधे बैंक खाते में — SSPY पोर्टल के ज़रिए संचालित।",
      "benefit_amount_hi": "₹1,000/माह (₹3,000 तिमाही किस्त)"
    },
    {
      "slug": "up-vidhwa-pension-yojana",
      "code": "SS-UP-WMC-003",
      "name": "UP Vidhwa Pension Yojana (Widow Pension)",
      "level": "state",
      "state": "Uttar Pradesh",
      "ministry": "UP Department of Social Welfare (SSPY)",
      "category": "women-child",
      "audience": [
        "widows aged 18+ in Uttar Pradesh"
      ],
      "summary": "₹1,000/month pension for widows in Uttar Pradesh from families earning under ₹2 lakh/year, paid quarterly via DBT — some recent reports cite an increase toward ₹1,500/month, so confirm the current rate on the SSPY portal.",
      "benefit_amount": "₹1,000/month (reports of increase to ₹1,500 — confirm)",
      "launched": "Ongoing (SSPY portal)",
      "last_verified": "2026-09-01",
      "official_url": "https://sspy-up.gov.in",
      "name_hi": "उत्तर प्रदेश विधवा पेंशन योजना",
      "summary_hi": "उत्तर प्रदेश की विधवा महिलाओं को ₹1,000/माह पेंशन, ₹2 लाख से कम वार्षिक आय वाले परिवारों के लिए, तिमाही किस्त में सीधे बैंक खाते में।",
      "benefit_amount_hi": "₹1,000/माह (कुछ रिपोर्ट ₹1,500 बताती हैं — पुष्टि करें)"
    },
    {
      "slug": "rani-laxmi-bai-scooty-yojana",
      "code": "SS-UP-EDU-004",
      "name": "Rani Laxmi Bai Scooty Yojana",
      "level": "state",
      "state": "Uttar Pradesh",
      "category": "education-learning",
      "official_url": "https://scholarship.up.gov.in",
      "summary": "Gives a free scooty — including registration and one year of insurance — to meritorious girl students who score 75% or more in the UP Board Class 12 exam, so distance to college stops being a reason to drop out.",
      "benefit_amount": "Free scooty + registration + 1-year insurance",
      "name_hi": "रानी लक्ष्मीबाई स्कूटी योजना",
      "summary_hi": "उत्तर प्रदेश बोर्ड कक्षा 12 में 75% या उससे अधिक अंक पाने वाली मेधावी छात्राओं को मुफ्त स्कूटी — पंजीकरण और एक वर्ष के बीमा सहित — ताकि कॉलेज की दूरी पढ़ाई छोड़ने की वजह न बने।",
      "benefit_amount_hi": "मुफ्त स्कूटी + पंजीकरण + 1 वर्ष बीमा",
      "last_verified": "2026-09-22",
      "ministry": "Higher Education Department, Government of Uttar Pradesh"
    },
    {
      "slug": "up-berojgari-bhatta-yojana",
      "code": "SS-UP-SKL-001",
      "name": "UP Berojgari Bhatta Yojana (Sewayojan)",
      "level": "state",
      "state": "Uttar Pradesh",
      "category": "skills-employment",
      "official_url": "https://sewayojan.up.nic.in",
      "summary": "A monthly unemployment allowance for educated, registered job-seekers in Uttar Pradesh, paid through the Sewayojan employment exchange portal until they find work.",
      "benefit_amount": "₹1,000–₹1,500/month until employed",
      "name_hi": "यूपी बेरोजगारी भत्ता योजना (सेवायोजन)",
      "summary_hi": "उत्तर प्रदेश के शिक्षित, पंजीकृत नौकरी तलाशने वालों को सेवायोजन रोजगार पोर्टल के माध्यम से हर महीने बेरोजगारी भत्ता — जब तक उन्हें नौकरी नहीं मिल जाती।",
      "benefit_amount_hi": "₹1,000–₹1,500/माह नौकरी मिलने तक",
      "last_verified": "2026-09-22",
      "ministry": "Department of Employment, Government of Uttar Pradesh"
    },
    {
      "slug": "up-kisan-rin-mochan-yojana",
      "code": "SS-UP-AGR-001",
      "name": "UP Kisan Rin Mochan Yojana",
      "level": "state",
      "state": "Uttar Pradesh",
      "category": "agriculture-rural-environment",
      "official_url": "https://upkisankarjrahat.upsdc.gov.in",
      "summary": "A one-time crop-loan waiver (up to ₹1 lakh) for small and marginal Uttar Pradesh farmers, covering bank and cooperative loans outstanding as of 31 March 2016. Applications are closed — this is a completed waiver round whose beneficiary list can still be checked online.",
      "benefit_amount": "Up to ₹1,00,000 loan waiver (one-time, historic round)",
      "name_hi": "यूपी किसान ऋण मोचन योजना",
      "summary_hi": "उत्तर प्रदेश के छोटे और सीमांत किसानों के लिए एकमुश्त फसल ऋण माफी (₹1 लाख तक) — 31 मार्च 2016 तक बकाया बैंक/सहकारी ऋणों को कवर करती है। आवेदन बंद हैं — यह एक पूर्ण हो चुका माफी दौर है जिसकी लाभार्थी सूची अब भी ऑनलाइन देखी जा सकती है।",
      "benefit_amount_hi": "₹1,00,000 तक ऋण माफी (एकमुश्त, ऐतिहासिक दौर)",
      "last_verified": "2026-09-22",
      "ministry": "Department of Agriculture, Government of Uttar Pradesh"
    },
    {
      "slug": "up-bocw-shramik-card",
      "code": "SS-UP-SKL-002",
      "name": "UP BOCW Shramik Card (Nirman Shramik Welfare)",
      "level": "state",
      "state": "Uttar Pradesh",
      "category": "skills-employment",
      "official_url": "https://upbocw.in",
      "summary": "Registration for construction and building workers with the UP Building & Other Construction Workers Welfare Board, unlocking accident, pension, maternity, scholarship and marriage-assistance benefits.",
      "benefit_amount": "₹5,00,000 accident cover + pension + scholarship + marriage grant",
      "name_hi": "यूपी BOCW श्रमिक कार्ड (निर्माण श्रमिक कल्याण)",
      "summary_hi": "उत्तर प्रदेश भवन एवं अन्य सन्निर्माण श्रमिक कल्याण बोर्ड में निर्माण श्रमिकों का पंजीकरण — दुर्घटना, पेंशन, मातृत्व, छात्रवृत्ति और विवाह सहायता जैसे लाभों तक पहुंच खोलता है।",
      "benefit_amount_hi": "₹5,00,000 दुर्घटना कवर + पेंशन + छात्रवृत्ति + विवाह अनुदान",
      "last_verified": "2026-09-22",
      "ministry": "UP Building & Other Construction Workers Welfare Board (Labour Department)"
    },
    {
      "slug": "mukhyamantri-abhyudaya-yojana",
      "code": "SS-UP-EDU-005",
      "name": "Mukhyamantri Abhyudaya Yojana",
      "level": "state",
      "state": "Uttar Pradesh",
      "category": "education-learning",
      "official_url": "https://abhyuday.up.gov.in",
      "summary": "Free coaching for UPSC, state PCS, JEE, NEET, NDA, CDS and other competitive exams, aimed at aspirants — especially from rural and low-income backgrounds — who can't afford private coaching.",
      "benefit_amount": "Free coaching (online + offline classes)",
      "name_hi": "मुख्यमंत्री अभ्युदय योजना",
      "summary_hi": "UPSC, राज्य PCS, JEE, NEET, NDA, CDS और अन्य प्रतियोगी परीक्षाओं के लिए मुफ्त कोचिंग — विशेष रूप से ग्रामीण और कम आय वाले परिवारों के अभ्यर्थियों के लिए जो निजी कोचिंग का खर्च नहीं उठा सकते।",
      "benefit_amount_hi": "मुफ्त कोचिंग (ऑनलाइन + ऑफलाइन कक्षाएं)",
      "last_verified": "2026-09-22",
      "ministry": "Uttar Pradesh Academy of Administration and Management (UPAAM)",
      "launched": "February 2021"
    },
    {
      "slug": "up-mukhyamantri-bal-seva-yojana",
      "code": "SS-UP-SWE-004",
      "name": "UP Mukhyamantri Bal Seva Yojana",
      "level": "state",
      "state": "Uttar Pradesh",
      "category": "social-welfare-empowerment",
      "official_url": "https://upmbsy.in",
      "summary": "Monthly financial support plus free education for children who lost both parents (originally focused on COVID-19, now broader circumstances), so that losing a parent doesn't also mean losing schooling.",
      "benefit_amount": "₹4,000/month + free education support",
      "name_hi": "यूपी मुख्यमंत्री बाल सेवा योजना",
      "summary_hi": "जिन बच्चों ने दोनों माता-पिता खो दिए (मूल रूप से कोविड-19 पर केंद्रित, अब व्यापक परिस्थितियां शामिल) उन्हें मासिक वित्तीय सहायता के साथ मुफ्त शिक्षा — ताकि माता-पिता खोने का मतलब स्कूली शिक्षा खोना न हो।",
      "benefit_amount_hi": "₹4,000/माह + मुफ्त शिक्षा सहायता",
      "last_verified": "2026-09-22",
      "ministry": "Department of Woman & Child Development, Government of Uttar Pradesh"
    },
    {
      "slug": "up-mukhyamantri-awas-yojana-shehri",
      "code": "SS-UP-HSG-001",
      "name": "UP Mukhyamantri Awas Yojana (Shehri)",
      "level": "state",
      "state": "Uttar Pradesh",
      "category": "housing-shelter",
      "official_url": "https://awas.up.nic.in",
      "summary": "State top-up on PM Awas Yojana Urban 2.0 for slum dwellers, street vendors and the urban poor in UP cities — interest subsidy plus a construction grant toward a pucca house.",
      "benefit_amount": "Interest subsidy up to ₹2,67,000 + construction grant",
      "name_hi": "यूपी मुख्यमंत्री आवास योजना (शहरी)",
      "summary_hi": "उत्तर प्रदेश के शहरों में झुग्गी निवासियों, स्ट्रीट वेंडरों और शहरी गरीबों के लिए PM आवास योजना शहरी 2.0 के ऊपर राज्य की अतिरिक्त सहायता — पक्के मकान के लिए ब्याज सब्सिडी और निर्माण अनुदान।",
      "benefit_amount_hi": "₹2,67,000 तक ब्याज सब्सिडी + निर्माण अनुदान",
      "last_verified": "2026-09-22",
      "ministry": "Awas Bandhu / Housing Department, Government of Uttar Pradesh"
    },
    {
      "slug": "up-scholarship-portal",
      "code": "SS-UP-EDU-006",
      "name": "UP Scholarship Portal (Pre-Matric & Post-Matric)",
      "level": "state",
      "state": "Uttar Pradesh",
      "category": "education-learning",
      "official_url": "https://scholarship.up.gov.in",
      "summary": "A single portal covering pre-matric and post-matric scholarships for SC, ST, OBC, minority and general-category students of Uttar Pradesh, with fee reimbursement alongside the scholarship amount.",
      "benefit_amount": "Pre-Matric ₹3,500–₹6,000/yr; Post-Matric ₹12,000–₹22,000/yr",
      "name_hi": "यूपी छात्रवृत्ति पोर्टल (प्री-मैट्रिक एवं पोस्ट-मैट्रिक)",
      "summary_hi": "उत्तर प्रदेश के SC, ST, OBC, अल्पसंख्यक और सामान्य श्रेणी के छात्रों के लिए प्री-मैट्रिक और पोस्ट-मैट्रिक छात्रवृत्ति को कवर करने वाला एक ही पोर्टल — छात्रवृत्ति राशि के साथ फीस प्रतिपूर्ति भी।",
      "benefit_amount_hi": "प्री-मैट्रिक ₹3,500–₹6,000/वर्ष; पोस्ट-मैट्रिक ₹12,000–₹22,000/वर्ष",
      "last_verified": "2026-09-22",
      "ministry": "Department of Social Welfare / Minority Welfare / Backward Classes Welfare, Government of Uttar Pradesh"
    },
    {
      "slug": "mukhyamantri-jan-arogya-yojana-up",
      "code": "SS-UP-HLT-001",
      "name": "Mukhyamantri Jan Arogya Yojana (MMJAY)",
      "level": "state",
      "state": "Uttar Pradesh",
      "category": "health-wellness",
      "official_url": "https://ayushmanup.in",
      "summary": "Uttar Pradesh's own top-up on Ayushman Bharat PM-JAY, extending the same ₹5 lakh cashless hospitalisation cover to families the central SECC 2011 list missed — including AAY ration cardholders and registered construction workers.",
      "benefit_amount": "₹5,00,000 cashless cover/family/year",
      "name_hi": "मुख्यमंत्री जन आरोग्य योजना (MMJAY)",
      "summary_hi": "आयुष्मान भारत PM-JAY पर उत्तर प्रदेश की अपनी अतिरिक्त सहायता, जो वही ₹5 लाख कैशलेस अस्पताल कवरेज उन परिवारों तक बढ़ाती है जो केंद्रीय SECC 2011 सूची से छूट गए — जिसमें AAY राशन कार्ड धारक और पंजीकृत निर्माण श्रमिक शामिल हैं।",
      "benefit_amount_hi": "₹5,00,000 कैशलेस कवर/परिवार/वर्ष",
      "last_verified": "2026-09-22",
      "ministry": "State Health Agency, Government of Uttar Pradesh",
      "launched": "2019"
    },
    {
      "slug": "rashtriya-parivarik-labh-yojana-up",
      "code": "SS-UP-SWE-005",
      "name": "Rashtriya Parivarik Labh Yojana (RPBY)",
      "level": "state",
      "state": "Uttar Pradesh",
      "category": "social-welfare-empowerment",
      "official_url": "https://nfbs.upsdc.gov.in",
      "summary": "A one-time ₹30,000 payment to a BPL family in Uttar Pradesh within 45 days of losing its primary breadwinner (aged 18–60) to death by natural or accidental causes, meant to cover the family's most urgent needs during the immediate financial shock.",
      "benefit_amount": "₹30,000 one-time, within 45 days of death",
      "name_hi": "राष्ट्रीय पारिवारिक लाभ योजना (RPBY)",
      "summary_hi": "उत्तर प्रदेश के BPL परिवार को उसके मुख्य कमाऊ सदस्य (18-60 वर्ष) की प्राकृतिक या दुर्घटनावश मृत्यु के 45 दिनों के भीतर एकमुश्त ₹30,000 — परिवार की सबसे तात्कालिक ज़रूरतों को पूरा करने के लिए।",
      "benefit_amount_hi": "₹30,000 एकमुश्त, मृत्यु के 45 दिनों के भीतर",
      "last_verified": "2026-09-22",
      "ministry": "Department of Social Welfare, Government of Uttar Pradesh"
    },
    {
      "slug": "up-shadi-anudan-yojana",
      "code": "SS-UP-WMC-004",
      "name": "UP Shadi Anudan Yojana",
      "level": "state",
      "state": "Uttar Pradesh",
      "category": "women-child",
      "official_url": "https://shadianudan.upsdc.gov.in",
      "summary": "A one-time marriage grant for daughters of poor SC, ST, OBC, minority and general-category BPL families in Uttar Pradesh, for up to two daughters per family. The exact amount is reported inconsistently across sources (₹20,000 to ₹51,000+) — confirm the current figure on the official portal before applying.",
      "benefit_amount": "₹20,000–₹51,000 (sources conflict — verify on portal)",
      "name_hi": "यूपी शादी अनुदान योजना",
      "summary_hi": "उत्तर प्रदेश के गरीब SC, ST, OBC, अल्पसंख्यक और सामान्य श्रेणी के BPL परिवारों की बेटियों के लिए एकमुश्त विवाह अनुदान, प्रति परिवार अधिकतम दो बेटियों तक। सटीक राशि अलग-अलग स्रोतों में असंगत रूप से बताई गई है (₹20,000 से ₹51,000+) — आवेदन से पहले आधिकारिक पोर्टल पर वर्तमान राशि की पुष्टि करें।",
      "benefit_amount_hi": "₹20,000–₹51,000 (स्रोतों में भिन्नता — पोर्टल पर पुष्टि करें)",
      "last_verified": "2026-09-22",
      "ministry": "Department of Social Welfare / Backward Classes Welfare, Government of Uttar Pradesh",
      "launched": "2017"
    },
    {
      "slug": "mukhyamantri-yuva-udyami-vikas-abhiyan",
      "code": "SS-UP-BIZ-001",
      "name": "Mukhyamantri Yuva Udyami Vikas Abhiyan (MYUVA)",
      "level": "state",
      "state": "Uttar Pradesh",
      "category": "business-entrepreneurship",
      "official_url": "https://msme.up.gov.in",
      "summary": "Collateral-free, interest-free loans of up to ₹5 lakh for young entrepreneurs in Uttar Pradesh to set up a micro-enterprise, with a second phase of up to ₹10 lakh available after successfully repaying the first loan — targeting 1 lakh youth-led businesses a year.",
      "benefit_amount": "Up to ₹5,00,000 interest-free (₹10,00,000 on repeat)",
      "name_hi": "मुख्यमंत्री युवा उद्यमी विकास अभियान (MYUVA)",
      "summary_hi": "उत्तर प्रदेश के युवा उद्यमियों के लिए बिना गारंटी, बिना ब्याज ₹5 लाख तक का ऋण सूक्ष्म उद्यम शुरू करने के लिए, पहला ऋण सफलतापूर्वक चुकाने पर ₹10 लाख तक का दूसरा चरण भी उपलब्ध — हर साल 1 लाख युवा-नेतृत्व वाले व्यवसायों का लक्ष्य।",
      "benefit_amount_hi": "₹5,00,000 तक बिना ब्याज (दोबारा चुकाने पर ₹10,00,000)",
      "last_verified": "2026-09-22",
      "ministry": "MSME Department, Government of Uttar Pradesh"
    },
    {
      "slug": "namo-shetkari-yojana",
      "code": "SS-MH-AGR-001",
      "name": "Namo Shetkari Maha Samman Nidhi Yojana",
      "level": "state",
      "state": "Maharashtra",
      "category": "agriculture-rural-environment",
      "official_url": "https://mahadbt.maharashtra.gov.in",
      "summary": "Maharashtra's own top-up on PM-KISAN — every farmer family already receiving the central ₹6,000/year automatically gets an additional ₹6,000/year from the state, taking their combined direct income support to ₹12,000/year, with no separate application needed.",
      "benefit_amount": "₹6,000/year (₹2,000 × 3 instalments), on top of PM-KISAN",
      "name_hi": "नमो शेतकरी महा सन्मान निधी योजना",
      "summary_hi": "PM-KISAN पर महाराष्ट्र की अपनी अतिरिक्त सहायता — केंद्रीय ₹6,000/वर्ष पहले से प्राप्त करने वाले हर किसान परिवार को राज्य से स्वतः अतिरिक्त ₹6,000/वर्ष मिलते हैं, जिससे कुल प्रत्यक्ष आय सहायता ₹12,000/वर्ष हो जाती है, कोई अलग आवेदन ज़रूरी नहीं।",
      "benefit_amount_hi": "₹6,000/वर्ष (₹2,000 × 3 किस्तें), PM-KISAN के ऊपर",
      "last_verified": "2026-09-22",
      "ministry": "Department of Agriculture, Government of Maharashtra",
      "launched": "2023"
    },
    {
      "slug": "mukhyamantri-yuva-karya-prashikshan-yojana",
      "code": "SS-MH-SKL-001",
      "name": "Mukhyamantri Yuva Karya Prashikshan Yojana (CMYKPY)",
      "level": "state",
      "state": "Maharashtra",
      "category": "skills-employment",
      "official_url": "https://rojgar.mahaswayam.gov.in",
      "summary": "Six months of on-the-job training for unemployed Maharashtra youth at government offices, private companies and start-ups, with a monthly stipend that scales with qualification — turning classroom learning into workplace experience before the real job hunt begins.",
      "benefit_amount": "₹6,000 (12th pass) / ₹8,000 (ITI/Diploma) / ₹10,000 (Graduate+) per month",
      "name_hi": "मुख्यमंत्री युवा कार्य प्रशिक्षण योजना (CMYKPY)",
      "summary_hi": "महाराष्ट्र के बेरोजगार युवाओं के लिए सरकारी कार्यालयों, निजी कंपनियों और स्टार्टअप्स में छह महीने की ऑन-द-जॉब ट्रेनिंग, योग्यता के अनुसार बढ़ता मासिक वजीफा — वास्तविक नौकरी खोज से पहले कक्षा की पढ़ाई को कार्यस्थल के अनुभव में बदलना।",
      "benefit_amount_hi": "₹6,000 (12वीं पास) / ₹8,000 (ITI/डिप्लोमा) / ₹10,000 (स्नातक+) प्रति माह",
      "last_verified": "2026-09-22",
      "ministry": "Skill, Employment, Entrepreneurship and Innovation Department, Government of Maharashtra"
    },
    {
      "slug": "annasaheb-patil-loan-yojana",
      "code": "SS-MH-BIZ-001",
      "name": "Annasaheb Patil Mahamandal Karj Yojana",
      "level": "state",
      "state": "Maharashtra",
      "category": "business-entrepreneurship",
      "official_url": "https://udyog.mahaswayam.gov.in",
      "summary": "A government-backed loan guarantee for Maratha and open-category entrepreneurs in Maharashtra who struggle to get conventional bank credit — the government pays the interest subsidy as long as the loan is repaid on time. Reported loan ceilings vary across sources (₹10 lakh to ₹50 lakh) — confirm the current limit on the portal.",
      "benefit_amount": "₹10–₹50 lakh loan with interest subsidy (verify current ceiling)",
      "name_hi": "अण्णासाहेब पाटील महामंडळ कर्ज योजना",
      "summary_hi": "महाराष्ट्र के मराठा और खुली श्रेणी के उद्यमियों के लिए सरकार-समर्थित ऋण गारंटी, जिन्हें पारंपरिक बैंक ऋण मिलने में कठिनाई होती है — समय पर चुकाने पर सरकार ब्याज सब्सिडी देती है। ऋण की अधिकतम सीमा स्रोतों में अलग-अलग बताई गई है (₹10 लाख से ₹50 लाख) — पोर्टल पर वर्तमान सीमा की पुष्टि करें।",
      "benefit_amount_hi": "₹10–₹50 लाख ऋण ब्याज सब्सिडी सहित (वर्तमान सीमा पुष्टि करें)",
      "last_verified": "2026-09-22",
      "ministry": "Annasaheb Patil Arthik Mागasvarg Vikas Mahamandal, Government of Maharashtra"
    },
    {
      "slug": "sanjay-gandhi-niradhar-anudan-yojana",
      "code": "SS-MH-SWE-001",
      "name": "Sanjay Gandhi Niradhar Anudan Yojana",
      "level": "state",
      "state": "Maharashtra",
      "category": "social-welfare-empowerment",
      "official_url": "https://mahadbt.maharashtra.gov.in",
      "summary": "A monthly pension for Maharashtra residents with no means of support — the destitute, orphans, widows, elderly, disabled, and transgender individuals — recognising that this group often falls outside every other category-specific welfare scheme.",
      "benefit_amount": "₹1,500/month",
      "name_hi": "संजय गांधी निराधार अनुदान योजना",
      "summary_hi": "महाराष्ट्र के उन निवासियों के लिए मासिक पेंशन जिनके पास सहारे का कोई साधन नहीं — निराश्रित, अनाथ, विधवा, बुजुर्ग, दिव्यांग, और ट्रांसजेंडर व्यक्ति — यह मानते हुए कि यह समूह अक्सर हर दूसरी श्रेणी-विशिष्ट कल्याण योजना से बाहर रह जाता है।",
      "benefit_amount_hi": "₹1,500/माह",
      "last_verified": "2026-09-22",
      "ministry": "Department of Social Justice and Special Assistance, Government of Maharashtra"
    },
    {
      "slug": "ramai-awas-yojana",
      "code": "SS-MH-HSG-001",
      "name": "Ramai Awas Yojana",
      "level": "state",
      "state": "Maharashtra",
      "category": "housing-shelter",
      "official_url": "https://sjsa.maharashtra.gov.in",
      "summary": "Named after Ramabai Ambedkar, this housing scheme gives SC and Neo-Buddhist families in Maharashtra a grant to build a pucca house, with the amount scaled to how costly construction is in their area — rural, hilly, or urban.",
      "benefit_amount": "₹1.32 lakh (rural) / ₹1.42 lakh (hilly) / ₹2.50 lakh (urban) + ₹12,000 for toilet",
      "name_hi": "रमाई आवास योजना",
      "summary_hi": "रमाबाई आंबेडकर के नाम पर बनी यह आवास योजना महाराष्ट्र के SC और नव-बौद्ध परिवारों को पक्का मकान बनाने के लिए अनुदान देती है, राशि उनके क्षेत्र में निर्माण की लागत के अनुसार तय होती है — ग्रामीण, पहाड़ी, या शहरी।",
      "benefit_amount_hi": "₹1.32 लाख (ग्रामीण) / ₹1.42 लाख (पहाड़ी) / ₹2.50 लाख (शहरी) + शौचालय के लिए ₹12,000",
      "last_verified": "2026-09-22",
      "ministry": "Department of Social Justice and Special Assistance, Government of Maharashtra"
    },
    {
      "slug": "cmegp-maharashtra",
      "code": "SS-MH-BIZ-002",
      "name": "Chief Minister's Employment Generation Programme (CMEGP)",
      "level": "state",
      "state": "Maharashtra",
      "category": "business-entrepreneurship",
      "official_url": "https://maha-cmegp.gov.in",
      "summary": "Maharashtra's flagship entrepreneurship scheme, giving new micro and small enterprises a bank loan of up to ₹50 lakh for manufacturing (₹20 lakh for services) with a 15–35% government subsidy depending on the applicant's category and location.",
      "benefit_amount": "Up to ₹50,00,000 loan (manufacturing) / ₹20,00,000 (service) + 15–35% subsidy",
      "name_hi": "मुख्यमंत्री रोजगार निर्मिति कार्यक्रम (CMEGP)",
      "summary_hi": "महाराष्ट्र की प्रमुख उद्यमिता योजना, नए सूक्ष्म एवं लघु उद्यमों को विनिर्माण के लिए ₹50 लाख तक (सेवा क्षेत्र के लिए ₹20 लाख) का बैंक ऋण, आवेदक की श्रेणी और स्थान के अनुसार 15-35% सरकारी सब्सिडी के साथ।",
      "benefit_amount_hi": "₹50,00,000 तक ऋण (विनिर्माण) / ₹20,00,000 (सेवा) + 15-35% सब्सिडी",
      "last_verified": "2026-09-22",
      "ministry": "Directorate of Industries, Government of Maharashtra"
    },
    {
      "slug": "mahatma-jyotiba-phule-shetkari-karj-mukti-yojana",
      "code": "SS-MH-AGR-002",
      "name": "Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana (MJPSKY)",
      "level": "state",
      "state": "Maharashtra",
      "category": "agriculture-rural-environment",
      "official_url": "https://mjpsky.maharashtra.gov.in",
      "summary": "Maharashtra's flagship farm-loan relief scheme, launched in 2019: it waives crop loans up to ₹2 lakh taken between April 2015 and March 2019 and overdue as of 30 September 2019, and pays a further ₹50,000 incentive to farmers who kept repaying on time instead of defaulting.",
      "benefit_amount": "Up to ₹2,00,000 loan waiver + ₹50,000 incentive for regular repayers",
      "name_hi": "महात्मा ज्योतिबा फुले शेतकरी कर्ज मुक्ति योजना (MJPSKY)",
      "summary_hi": "महाराष्ट्र की प्रमुख कृषि ऋण राहत योजना, 2019 में शुरू: यह अप्रैल 2015 से मार्च 2019 के बीच लिए गए और 30 सितंबर 2019 तक बकाया फसल ऋण को ₹2 लाख तक माफ करती है, और नियमित रूप से चुकाने वाले किसानों को ₹50,000 का अतिरिक्त प्रोत्साहन भी देती है।",
      "benefit_amount_hi": "₹2,00,000 तक ऋण माफी + नियमित चुकाने पर ₹50,000 प्रोत्साहन",
      "last_verified": "2026-09-22",
      "ministry": "Department of Cooperation, Marketing and Textiles, Government of Maharashtra",
      "launched": "December 2019"
    },
    {
      "slug": "mahila-bachat-gat-umed-loan-yojana",
      "code": "SS-MH-WMC-002",
      "name": "Mahila Bachat Gat (SHG) UMED Loan Yojana",
      "level": "state",
      "state": "Maharashtra",
      "category": "women-child",
      "official_url": "https://umed.in",
      "summary": "Women's self-help groups in Maharashtra that have been active for at least two years can access bank-linked loans of up to ₹20 lakh at a concessional 4% interest through UMED (the state's rural livelihood mission) — a fraction of what commercial lenders would charge for the same capital.",
      "benefit_amount": "Up to ₹20,00,000 at 4% interest",
      "name_hi": "महिला बचत गट (SHG) उमेद कर्ज योजना",
      "summary_hi": "महाराष्ट्र में कम से कम दो साल से सक्रिय महिला स्वयं सहायता समूह UMED (राज्य की ग्रामीण आजीविका मिशन) के ज़रिए ₹20 लाख तक का बैंक-लिंक्ड ऋण सिर्फ 4% रियायती ब्याज पर प्राप्त कर सकते हैं — व्यावसायिक ऋणदाता जितनी ही पूंजी के लिए जितना लेते, उसका एक छोटा हिस्सा।",
      "benefit_amount_hi": "₹20,00,000 तक 4% ब्याज पर",
      "last_verified": "2026-09-22",
      "ministry": "Maharashtra State Rural Livelihood Mission (UMED), Rural Development Department"
    },
    {
      "slug": "magel-tyala-saur-krishi-pump-yojana",
      "code": "SS-MH-AGR-003",
      "name": "Magel Tyala Saur Krishi Pump Yojana",
      "level": "state",
      "state": "Maharashtra",
      "category": "agriculture-rural-environment",
      "official_url": "https://www.mahaurja.com",
      "summary": "Maharashtra farmers get a 3–7.5 HP solar-powered agricultural pump for daytime irrigation with no electricity bill and no load-shedding, paying just 10% of the cost themselves (5% for SC/ST farmers) while the state and centre cover the rest, backed by a 5-year repair warranty.",
      "benefit_amount": "3–7.5 HP solar pump; farmer pays only 10% (5% SC/ST) of cost",
      "name_hi": "मागेल त्याला सौर कृषी पंप योजना",
      "summary_hi": "महाराष्ट्र के किसानों को दिन में सिंचाई के लिए 3-7.5 HP सौर ऊर्जा चालित कृषि पंप, बिना बिजली बिल और बिना लोड-शेडिंग, किसान को केवल 10% लागत (SC/ST किसानों के लिए 5%) चुकानी होती है जबकि शेष राज्य और केंद्र वहन करते हैं, साथ में 5 साल की मरम्मत वारंटी।",
      "benefit_amount_hi": "3-7.5 HP सौर पंप; किसान केवल 10% (SC/ST 5%) लागत चुकाए",
      "last_verified": "2026-09-22",
      "ministry": "Maharashtra Energy Development Agency (MEDA)"
    },
    {
      "slug": "swadhar-yojana-maharashtra",
      "code": "SS-MH-EDU-001",
      "name": "Bharatratna Dr. Babasaheb Ambedkar Swadhar Yojana",
      "level": "state",
      "state": "Maharashtra",
      "category": "education-learning",
      "official_url": "https://sjsa.maharashtra.gov.in",
      "summary": "A hostel-maintenance allowance for SC students in Maharashtra pursuing higher education away from home in a city with no hostel seat available, with the amount scaled to how expensive it is to live in that city — highest in Mumbai, Pune and Nagpur, lowest at the taluka level.",
      "benefit_amount": "₹38,000–₹60,000/year, scaled by city tier",
      "name_hi": "भारतरत्न डॉ. बाबासाहेब आंबेडकर स्वाधार योजना",
      "summary_hi": "महाराष्ट्र के SC छात्रों के लिए छात्रावास रखरखाव भत्ता जो घर से दूर उच्च शिक्षा प्राप्त कर रहे हैं और जिस शहर में हॉस्टल सीट उपलब्ध नहीं है, राशि उस शहर में रहने की लागत के अनुसार तय होती है — मुंबई, पुणे और नागपुर में सबसे अधिक, तालुका स्तर पर सबसे कम।",
      "benefit_amount_hi": "₹38,000–₹60,000/वर्ष, शहर स्तर के अनुसार",
      "last_verified": "2026-09-22",
      "ministry": "Department of Social Justice and Special Assistance, Government of Maharashtra"
    },
    {
      "slug": "nanaji-deshmukh-krishi-sanjivani-yojana",
      "code": "SS-MH-AGR-004",
      "name": "Nanaji Deshmukh Krishi Sanjivani Yojana (POCRA)",
      "level": "state",
      "state": "Maharashtra",
      "category": "agriculture-rural-environment",
      "official_url": "https://dpmu.mahapocra.gov.in",
      "summary": "A climate-resilient agriculture project covering drought-prone parts of Maharashtra, subsidising 75–100% of the cost of drip and sprinkler irrigation, fruit orchard plantation, soil health improvement, and water conservation — more than 25 distinct interventions aimed at making farming viable through increasingly erratic rainfall.",
      "benefit_amount": "75–100% subsidy across 25+ climate-resilience interventions",
      "name_hi": "नानाजी देशमुख कृषी संजीवनी योजना (POCRA)",
      "summary_hi": "महाराष्ट्र के सूखा-प्रवण क्षेत्रों को कवर करने वाली जलवायु-प्रतिरोधी कृषि परियोजना, ड्रिप एवं स्प्रिंकलर सिंचाई, फल बागवानी, मृदा स्वास्थ्य सुधार, और जल संरक्षण की लागत का 75-100% सब्सिडी देती है — अनियमित होती बारिश के बीच खेती को व्यवहार्य बनाए रखने के लिए 25 से अधिक अलग-अलग हस्तक्षेप।",
      "benefit_amount_hi": "25+ जलवायु-प्रतिरोधक हस्तक्षेपों पर 75-100% सब्सिडी",
      "last_verified": "2026-09-22",
      "ministry": "Project on Climate Resilient Agriculture (POCRA), Government of Maharashtra"
    },
    {
      "slug": "atal-ghar-aawaas-yojana",
      "code": "SS-MH-HSG-002",
      "name": "Atal Ghar Aawaas Yojana",
      "level": "state",
      "state": "Maharashtra",
      "category": "housing-shelter",
      "official_url": "https://mahahousing.maharashtra.gov.in",
      "summary": "State-level affordable housing support for Economically Weaker Section and Low Income Group families in Maharashtra, converging with PM Awas Yojana Urban 2.0 to give an interest subsidy of up to ₹1.80 lakh on a home loan.",
      "benefit_amount": "Interest subsidy up to ₹1,80,000 on home loan",
      "name_hi": "अटल घर आवास योजना",
      "summary_hi": "महाराष्ट्र के आर्थिक रूप से कमज़ोर वर्ग और निम्न आय वर्ग परिवारों के लिए राज्य-स्तरीय किफायती आवास सहायता, PM आवास योजना शहरी 2.0 के साथ मिलकर होम लोन पर ₹1.80 लाख तक की ब्याज सब्सिडी देती है।",
      "benefit_amount_hi": "होम लोन पर ₹1,80,000 तक ब्याज सब्सिडी",
      "last_verified": "2026-09-22",
      "ministry": "Housing Department, Government of Maharashtra"
    },
    {
      "slug": "mukhyamantri-annapurna-yojana-maharashtra",
      "code": "SS-MH-UTL-001",
      "name": "Mukhyamantri Annapurna Yojana",
      "level": "state",
      "state": "Maharashtra",
      "category": "utility-sanitation",
      "official_url": "https://mahadbt.maharashtra.gov.in",
      "summary": "Three free LPG cylinder refills a year — timed around Holi, Diwali and one more occasion — for BPL and Antyodaya families in Maharashtra, with the cost credited back as DBT rather than the cylinder itself being handed over free at the shop.",
      "benefit_amount": "3 free LPG cylinder refills/year (cash-equivalent DBT)",
      "name_hi": "मुख्यमंत्री अन्नपूर्णा योजना",
      "summary_hi": "महाराष्ट्र के BPL और अंत्योदय परिवारों के लिए साल में तीन मुफ्त LPG सिलेंडर रिफिल — होली, दिवाली और एक और अवसर पर — जिसकी लागत दुकान पर सीधे मुफ्त सिलेंडर देने के बजाय DBT के रूप में वापस जमा होती है।",
      "benefit_amount_hi": "3 मुफ्त LPG सिलेंडर रिफिल/वर्ष (नकद-समतुल्य DBT)",
      "last_verified": "2026-09-22",
      "ministry": "Food, Civil Supplies and Consumer Protection Department, Government of Maharashtra"
    },
    {
      "slug": "maharashtra-post-matric-scholarship",
      "code": "SS-MH-EDU-002",
      "name": "Maharashtra Post-Matric Scholarship",
      "level": "state",
      "state": "Maharashtra",
      "category": "education-learning",
      "official_url": "https://mahadbt.maharashtra.gov.in",
      "summary": "Full or partial tuition fee reimbursement plus a monthly maintenance allowance for SC, ST and OBC students in Maharashtra pursuing education beyond Class 10, with hostellers receiving more than day scholars to reflect the added cost of living away from home.",
      "benefit_amount": "Tuition fee reimbursement + ₹2,500/month (hostel) or ₹1,000/month (day scholar)",
      "name_hi": "महाराष्ट्र पोस्ट-मैट्रिक छात्रवृत्ति",
      "summary_hi": "महाराष्ट्र के SC, ST और OBC छात्रों के लिए, जो कक्षा 10 के बाद शिक्षा प्राप्त कर रहे हैं, पूर्ण या आंशिक फीस प्रतिपूर्ति के साथ मासिक भरण-पोषण भत्ता — हॉस्टल में रहने वालों को डे स्कॉलर की तुलना में अधिक राशि मिलती है, घर से दूर रहने की अतिरिक्त लागत को दर्शाते हुए।",
      "benefit_amount_hi": "फीस प्रतिपूर्ति + ₹2,500/माह (हॉस्टल) या ₹1,000/माह (डे स्कॉलर)",
      "last_verified": "2026-09-22",
      "ministry": "Social Justice and Special Assistance / Tribal Development Department, Government of Maharashtra"
    },
    {
      "slug": "mukhyamantri-udyami-yojana-bihar",
      "code": "SS-BR-BIZ-001",
      "name": "Mukhyamantri Udyami Yojana",
      "level": "state",
      "state": "Bihar",
      "category": "business-entrepreneurship",
      "official_url": "https://udyami.bihar.gov.in",
      "summary": "A ₹10 lakh package for aspiring entrepreneurs in Bihar — half as an outright subsidy that's never repaid, half as an interest-free loan over 84 instalments — open to SC, ST, EBC, women and general-category youth alike, to set up a small industrial unit.",
      "benefit_amount": "₹10,00,000 (₹5,00,000 subsidy + ₹5,00,000 interest-free loan)",
      "name_hi": "मुख्यमंत्री उद्यमी योजना",
      "summary_hi": "बिहार में उद्यमिता के इच्छुक लोगों के लिए ₹10 लाख का पैकेज — आधा सीधी सब्सिडी के रूप में जो कभी नहीं चुकानी होती, आधा 84 किस्तों में बिना ब्याज का ऋण — SC, ST, EBC, महिला और सामान्य श्रेणी के युवाओं के लिए समान रूप से खुला, एक छोटी औद्योगिक इकाई स्थापित करने के लिए।",
      "benefit_amount_hi": "₹10,00,000 (₹5,00,000 सब्सिडी + ₹5,00,000 बिना ब्याज ऋण)",
      "last_verified": "2026-09-22",
      "ministry": "Department of Industries, Government of Bihar"
    },
    {
      "slug": "mukhyamantri-vridhjan-pension-yojana",
      "code": "SS-BR-SWE-001",
      "name": "Mukhyamantri Vridhjan Pension Yojana (MVPY)",
      "level": "state",
      "state": "Bihar",
      "category": "social-welfare-empowerment",
      "official_url": "https://sspmis.bihar.gov.in",
      "summary": "A universal old-age pension for every Bihar resident aged 60 and above, regardless of income group, raised to ₹1,100 a month in July 2025 and paid on the 10th of every month directly to the beneficiary's bank account.",
      "benefit_amount": "₹1,100/month",
      "name_hi": "मुख्यमंत्री वृद्धजन पेंशन योजना (MVPY)",
      "summary_hi": "बिहार के हर 60 वर्ष और उससे अधिक आयु के निवासी के लिए सार्वभौमिक वृद्धावस्था पेंशन, आय वर्ग की परवाह किए बिना, जुलाई 2025 में बढ़ाकर ₹1,100 प्रति माह की गई और हर महीने की 10 तारीख को सीधे लाभार्थी के बैंक खाते में भेजी जाती है।",
      "benefit_amount_hi": "₹1,100/माह",
      "last_verified": "2026-09-22",
      "ministry": "Department of Social Welfare, Government of Bihar"
    },
    {
      "slug": "bihar-rajya-fasal-sahayata-yojana",
      "code": "SS-BR-AGR-001",
      "name": "Bihar Rajya Fasal Sahayata Yojana",
      "level": "state",
      "state": "Bihar",
      "category": "agriculture-rural-environment",
      "official_url": "https://pacsonline.bih.nic.in",
      "summary": "Bihar opted out of the central PMFBY crop insurance scheme and runs its own premium-free alternative instead — every farmer, landowner or tenant, is automatically covered each season and paid based on assessed yield loss, with no premium to pay in and no claim paperwork tied to a specific declared disaster.",
      "benefit_amount": "₹7,500/hectare (up to 20% loss) or ₹10,000/hectare (above 20% loss)",
      "name_hi": "बिहार राज्य फसल सहायता योजना",
      "summary_hi": "बिहार ने केंद्रीय PMFBY फसल बीमा योजना से बाहर निकलकर अपना खुद का प्रीमियम-मुक्त विकल्प चलाने का फैसला किया — हर किसान, चाहे भूमिस्वामी हो या बटाईदार, हर सीज़न स्वतः कवर होता है और अनुमानित उपज हानि के आधार पर भुगतान पाता है, बिना कोई प्रीमियम दिए और बिना किसी विशिष्ट घोषित आपदा से जुड़े दावा कागज़ी कार्रवाई के।",
      "benefit_amount_hi": "₹7,500/हेक्टेयर (20% तक हानि) या ₹10,000/हेक्टेयर (20% से अधिक हानि)",
      "last_verified": "2026-09-22",
      "ministry": "Department of Agriculture, Government of Bihar"
    },
    {
      "slug": "mukhyamantri-cycle-yojana-bihar",
      "code": "SS-BR-EDU-003",
      "name": "Mukhyamantri Cycle Yojana",
      "level": "state",
      "state": "Bihar",
      "category": "education-learning",
      "official_url": "https://educationbihar.gov.in",
      "summary": "One of Bihar's best-known and longest-running welfare schemes: every Class 9 student in a government secondary school — girl or boy — gets a free bicycle, cutting the walking distance to school that used to push many rural students, especially girls, out of secondary education altogether.",
      "benefit_amount": "One free bicycle for every Class 9 student",
      "name_hi": "मुख्यमंत्री साइकिल योजना",
      "summary_hi": "बिहार की सबसे प्रसिद्ध और सबसे लंबे समय से चल रही कल्याण योजनाओं में से एक: सरकारी माध्यमिक विद्यालय में हर कक्षा 9 का छात्र — लड़की हो या लड़का — मुफ्त साइकिल पाता है, स्कूल तक चलने की उस दूरी को कम करते हुए जो पहले कई ग्रामीण छात्रों, खासकर लड़कियों को, माध्यमिक शिक्षा से ही बाहर कर देती थी।",
      "benefit_amount_hi": "हर कक्षा 9 के छात्र को एक मुफ्त साइकिल",
      "last_verified": "2026-09-22",
      "ministry": "Department of Education, Government of Bihar"
    },
    {
      "slug": "bihar-scholarship-portal",
      "code": "SS-BR-EDU-004",
      "name": "Bihar Scholarship Portal (SC/ST/BC/EBC)",
      "level": "state",
      "state": "Bihar",
      "category": "education-learning",
      "official_url": "https://pmsonline.bih.nic.in",
      "summary": "Run jointly by Bihar's SC-ST Welfare and BC-EBC Welfare Departments, this covers both Pre-Matric (Class 1–10) and Post-Matric (Class 11 onward) scholarships in one system, with the amount varying by class, category and whether the student lives in a hostel.",
      "benefit_amount": "₹1,000–₹15,000+/year, depending on class and category",
      "name_hi": "बिहार छात्रवृत्ति पोर्टल (SC/ST/BC/EBC)",
      "summary_hi": "बिहार के SC-ST कल्याण और BC-EBC कल्याण विभागों द्वारा संयुक्त रूप से संचालित, यह प्री-मैट्रिक (कक्षा 1-10) और पोस्ट-मैट्रिक (कक्षा 11 से आगे) दोनों छात्रवृत्तियों को एक ही प्रणाली में कवर करता है, राशि कक्षा, श्रेणी और छात्र हॉस्टल में रहता है या नहीं, इसके अनुसार अलग-अलग होती है।",
      "benefit_amount_hi": "₹1,000–₹15,000+/वर्ष, कक्षा और श्रेणी के अनुसार",
      "last_verified": "2026-09-22",
      "ministry": "SC-ST Welfare Department & BC-EBC Welfare Department, Government of Bihar"
    },
    {
      "slug": "bihar-cm-swayam-sahayata-bhatta",
      "code": "SS-BR-SKL-001",
      "name": "Bihar Mukhyamantri Swayam Sahayata Bhatta Yojana",
      "level": "state",
      "state": "Bihar",
      "category": "skills-employment",
      "official_url": "https://7nishchay-yuvaupmission.bihar.gov.in",
      "summary": "Part of Bihar's 7 Nishchay (Seven Resolves) programme, this pays educated but unemployed youth a monthly allowance for up to two years while they actively look for work — registration at a District Registration and Counselling Centre is mandatory, and the allowance stops the moment employment is found.",
      "benefit_amount": "₹1,000/month for up to 2 years",
      "name_hi": "बिहार मुख्यमंत्री स्वयं सहायता भत्ता योजना",
      "summary_hi": "बिहार के 7 निश्चय कार्यक्रम का हिस्सा, यह शिक्षित लेकिन बेरोजगार युवाओं को नौकरी की सक्रिय खोज के दौरान अधिकतम दो साल तक मासिक भत्ता देती है — ज़िला पंजीकरण एवं परामर्श केंद्र पर पंजीकरण अनिवार्य है, और नौकरी मिलते ही भत्ता रुक जाता है।",
      "benefit_amount_hi": "₹1,000/माह अधिकतम 2 वर्ष तक",
      "last_verified": "2026-09-22",
      "ministry": "Labour Resources Department (7 Nishchay Yuva Mission), Government of Bihar"
    },
    {
      "slug": "bihar-parivarik-labh-yojana",
      "code": "SS-BR-SWE-002",
      "name": "Bihar Parivarik Labh Yojana",
      "level": "state",
      "state": "Bihar",
      "category": "social-welfare-empowerment",
      "official_url": "https://serviceonline.bihar.gov.in",
      "summary": "Bihar's state-level implementation of the National Family Benefit Scheme: a one-time ₹20,000 payment to a BPL family within Bihar when its primary breadwinner (aged 18–60) dies, applied for within two years of the death.",
      "benefit_amount": "₹20,000 one-time",
      "name_hi": "बिहार पारिवारिक लाभ योजना",
      "summary_hi": "राष्ट्रीय परिवार लाभ योजना का बिहार का राज्य-स्तरीय कार्यान्वयन: बिहार के किसी BPL परिवार को उसके मुख्य कमाऊ सदस्य (18-60 वर्ष) की मृत्यु पर एकमुश्त ₹20,000, मृत्यु के दो वर्ष के भीतर आवेदन करना होता है।",
      "benefit_amount_hi": "₹20,000 एकमुश्त",
      "last_verified": "2026-09-22",
      "ministry": "Department of Social Welfare, Government of Bihar"
    },
    {
      "slug": "bihar-mukhyamantri-gram-parivahan-yojana",
      "code": "SS-BR-SKL-002",
      "name": "Mukhyamantri Gram Parivahan Yojana",
      "level": "state",
      "state": "Bihar",
      "category": "skills-employment",
      "official_url": "https://state.bihar.gov.in/transport",
      "summary": "Rural Bihar's transport gap doubles as a livelihood opportunity in this scheme: SC, ST and EBC youth get a 50% subsidy (up to ₹1 lakh) toward a 3- or 4-wheeler commercial vehicle, letting them start a passenger or goods transport business while improving connectivity between villages and block headquarters.",
      "benefit_amount": "50% subsidy, up to ₹1,00,000, on a commercial vehicle",
      "name_hi": "मुख्यमंत्री ग्राम परिवहन योजना",
      "summary_hi": "ग्रामीण बिहार की परिवहन कमी इस योजना में आजीविका के अवसर में बदल जाती है: SC, ST और EBC युवाओं को 3 या 4-पहिया वाणिज्यिक वाहन के लिए 50% सब्सिडी (₹1 लाख तक) मिलती है, जिससे वे यात्री या माल परिवहन व्यवसाय शुरू कर सकते हैं और साथ ही गांवों और प्रखंड मुख्यालयों के बीच संपर्क भी बेहतर होता है।",
      "benefit_amount_hi": "50% सब्सिडी, ₹1,00,000 तक, वाणिज्यिक वाहन पर",
      "last_verified": "2026-09-22",
      "ministry": "Transport Department, Government of Bihar"
    },
    {
      "slug": "bihar-laghu-udyami-yojana",
      "code": "SS-BR-BIZ-002",
      "name": "Bihar Laghu Udyami Yojana",
      "level": "state",
      "state": "Bihar",
      "category": "business-entrepreneurship",
      "official_url": "https://udyami.bihar.gov.in",
      "summary": "Built specifically for the 94 lakh Bihar families identified by the state's own caste-based survey as living on ₹6,000 a month or less, this scheme gives ₹2 lakh as an outright grant — no repayment, no education requirement — to start a small business from a list of 94 approved trades, from handicrafts to food processing.",
      "benefit_amount": "₹2,00,000 grant, no repayment, in 3 instalments (₹50K + ₹50K + ₹1L)",
      "name_hi": "बिहार लघु उद्यमी योजना",
      "summary_hi": "राज्य के अपने जाति-आधारित सर्वेक्षण से पहचाने गए 94 लाख बिहार परिवारों के लिए विशेष रूप से बनाई गई, जो ₹6,000 प्रति माह या उससे कम पर जीवन यापन करते हैं, यह योजना छोटा व्यवसाय शुरू करने के लिए ₹2 लाख सीधे अनुदान के रूप में देती है — कोई चुकौती नहीं, कोई शिक्षा योग्यता नहीं — हस्तशिल्प से लेकर खाद्य प्रसंस्करण तक 94 स्वीकृत व्यवसायों की सूची में से।",
      "benefit_amount_hi": "₹2,00,000 अनुदान, कोई चुकौती नहीं, 3 किस्तों में (₹50K + ₹50K + ₹1L)",
      "last_verified": "2026-09-22",
      "ministry": "Department of Industries, Government of Bihar"
    },
    {
      "slug": "bihar-mukhyamantri-mahila-rojgar-yojana",
      "code": "SS-BR-WMC-002",
      "name": "Mukhyamantri Mahila Rojgar Yojana",
      "level": "state",
      "state": "Bihar",
      "category": "women-child",
      "official_url": "https://state.bihar.gov.in",
      "summary": "Launched in September 2025 through Bihar's JEEViKA self-help-group network, this scheme gives every enrolled woman ₹10,000 upfront via DBT to start a livelihood activity, with a further ₹2 lakh available in later phases for those who successfully sustain their self-employment or small business.",
      "benefit_amount": "₹10,000 upfront + up to ₹2,00,000 in later phases",
      "name_hi": "मुख्यमंत्री महिला रोजगार योजना",
      "summary_hi": "सितंबर 2025 में बिहार के जीविका स्वयं सहायता समूह नेटवर्क के ज़रिए शुरू हुई यह योजना हर नामांकित महिला को आजीविका गतिविधि शुरू करने के लिए DBT से ₹10,000 अग्रिम देती है, साथ ही जो महिलाएं अपने स्वरोजगार या छोटे व्यवसाय को सफलतापूर्वक बनाए रखती हैं उनके लिए बाद के चरणों में ₹2 लाख तक अतिरिक्त उपलब्ध।",
      "benefit_amount_hi": "₹10,000 अग्रिम + बाद के चरणों में ₹2,00,000 तक",
      "last_verified": "2026-09-22",
      "ministry": "Women Development Corporation / JEEViKA, Government of Bihar",
      "launched": "September 2025"
    },
    {
      "slug": "bihar-krishi-input-anudan-yojana",
      "code": "SS-BR-AGR-002",
      "name": "Bihar Krishi Input Anudan Yojana",
      "level": "state",
      "state": "Bihar",
      "category": "agriculture-rural-environment",
      "official_url": "https://dbtagriculture.bihar.gov.in",
      "summary": "Distinct from Bihar's season-based Fasal Sahayata Yojana, this scheme activates only when a specific natural disaster — flooding from the Ganga or Kosi, hailstorm, or unseasonal rain — damages 33% or more of a farmer's crop, covering both Kharif and Rabi seasons on a district-by-district basis as calamities are notified.",
      "benefit_amount": "₹8,500/hectare (non-irrigated) to ₹22,500/hectare (perennial crops); reported figures vary by source",
      "name_hi": "बिहार कृषि इनपुट अनुदान योजना",
      "summary_hi": "बिहार की सीज़न-आधारित फसल सहायता योजना से अलग, यह योजना तभी सक्रिय होती है जब कोई विशिष्ट प्राकृतिक आपदा — गंगा या कोसी से बाढ़, ओलावृष्टि, या बेमौसम बारिश — किसी किसान की 33% या उससे अधिक फसल को नुकसान पहुंचाती है, आपदाओं की अधिसूचना के अनुसार खरीफ और रबी दोनों सीज़न को ज़िला-दर-ज़िला आधार पर कवर करती है।",
      "benefit_amount_hi": "₹8,500/हेक्टेयर (असिंचित) से ₹22,500/हेक्टेयर (बारहमासी फसल); स्रोतों में आंकड़े भिन्न",
      "last_verified": "2026-09-22",
      "ministry": "Department of Agriculture, Government of Bihar"
    },
    {
      "slug": "bihar-divyangjan-pension-yojana",
      "code": "SS-BR-SWE-003",
      "name": "Bihar Divyangjan Pension Yojana",
      "level": "state",
      "state": "Bihar",
      "category": "social-welfare-empowerment",
      "official_url": "https://sspmis.bihar.gov.in",
      "summary": "A state disability pension for Bihar residents with 40% or more disability who aren't already covered by the central Indira Gandhi National Disability Pension Scheme, raised — along with Bihar's old-age and widow pensions — to ₹1,100 a month in the same July 2025 reform, alongside free assistive devices.",
      "benefit_amount": "₹1,100/month + free assistive devices",
      "name_hi": "बिहार दिव्यांगजन पेंशन योजना",
      "summary_hi": "बिहार के उन निवासियों के लिए राज्य दिव्यांगता पेंशन जिनकी दिव्यांगता 40% या उससे अधिक है और जो केंद्रीय इंदिरा गांधी राष्ट्रीय दिव्यांगता पेंशन योजना के तहत पहले से कवर नहीं हैं, बिहार की वृद्धावस्था और विधवा पेंशन के साथ ही जुलाई 2025 के उसी सुधार में बढ़ाकर ₹1,100 प्रति माह की गई, साथ ही मुफ्त सहायक उपकरण।",
      "benefit_amount_hi": "₹1,100/माह + मुफ्त सहायक उपकरण",
      "last_verified": "2026-09-22",
      "ministry": "Department of Social Welfare, Government of Bihar"
    },
    {
      "slug": "bihar-nishulk-coaching-yojana",
      "code": "SS-BR-EDU-005",
      "name": "Bihar Nishulk Coaching Yojana",
      "level": "state",
      "state": "Bihar",
      "category": "education-learning",
      "official_url": "https://bcebcwelfare.bih.nic.in",
      "summary": "Free preparation for BPSC, UPSC, SSC, banking and railway exams at government-run or empanelled coaching centres, plus a monthly stipend to cover study material and living costs — aimed at SC, ST, EBC, OBC and minority candidates from low-income families who'd otherwise be priced out of private coaching.",
      "benefit_amount": "Free coaching + ₹1,500/month stipend",
      "name_hi": "बिहार निःशुल्क कोचिंग योजना",
      "summary_hi": "BPSC, UPSC, SSC, बैंकिंग और रेलवे परीक्षाओं की मुफ्त तैयारी सरकारी संचालित या सूचीबद्ध कोचिंग केंद्रों में, साथ ही अध्ययन सामग्री और जीवन-यापन खर्च के लिए मासिक वजीफा — कम आय वाले परिवारों के SC, ST, EBC, OBC और अल्पसंख्यक उम्मीदवारों के लिए जो अन्यथा निजी कोचिंग का खर्च नहीं उठा पाते।",
      "benefit_amount_hi": "मुफ्त कोचिंग + ₹1,500/माह वजीफा",
      "last_verified": "2026-09-22",
      "ministry": "SC-ST Welfare Department & BC-EBC Welfare Department, Government of Bihar"
    },
    {
      "slug": "bihar-mukhyamantri-gramin-awas-yojana",
      "code": "SS-BR-HSG-001",
      "name": "Bihar Mukhyamantri Gramin Awas Yojana",
      "level": "state",
      "state": "Bihar",
      "category": "housing-shelter",
      "official_url": "https://state.bihar.gov.in",
      "summary": "Bihar's own top-up on PM Awas Yojana Gramin for rural BPL families still without a pucca house, releasing ₹1.20 lakh in three instalments via DBT tied to construction stages, alongside the guaranteed labour-day support that comes bundled with the central scheme.",
      "benefit_amount": "₹1,20,000 in 3 instalments (DBT)",
      "name_hi": "बिहार मुख्यमंत्री ग्रामीण आवास योजना",
      "summary_hi": "अभी भी पक्के मकान से वंचित ग्रामीण BPL परिवारों के लिए PM आवास योजना ग्रामीण पर बिहार की अपनी अतिरिक्त सहायता, निर्माण चरणों से जुड़ी DBT के ज़रिए तीन किस्तों में ₹1.20 लाख जारी करती है, साथ ही केंद्रीय योजना के साथ बंडल की गई गारंटीकृत श्रम-दिवस सहायता।",
      "benefit_amount_hi": "₹1,20,000 तीन किस्तों में (DBT)",
      "last_verified": "2026-09-22",
      "ministry": "Rural Development Department, Government of Bihar"
    },
    {
      "slug": "krishak-bandhu-prakalpa",
      "code": "SS-WB-AGR-001",
      "name": "Krishak Bandhu Prakalpa",
      "level": "state",
      "state": "West Bengal",
      "category": "agriculture-rural-environment",
      "official_url": "https://krishakbandhu.wb.gov.in",
      "summary": "Direct income support for West Bengal farmers, paid in two instalments across the Kharif and Rabi seasons, with a further ₹2 lakh paid to the farmer's family if the farmer dies during the scheme's coverage period — turning what starts as an income scheme into a safety net for the family too.",
      "benefit_amount": "₹10,000/year (2 instalments) + ₹2,00,000 death benefit",
      "name_hi": "কৃষক বন্ধু প্রকল্প (कृषक बंधु प्रकल्प)",
      "summary_hi": "पश्चिम बंगाल के किसानों के लिए प्रत्यक्ष आय सहायता, खरीफ और रबी सीज़न में दो किस्तों में भुगतान, साथ ही यदि योजना की कवरेज अवधि के दौरान किसान की मृत्यु हो जाए तो किसान के परिवार को ₹2 लाख का अतिरिक्त भुगतान — जो एक आय योजना के रूप में शुरू होती है उसे परिवार के लिए सुरक्षा जाल में बदल देती है।",
      "benefit_amount_hi": "₹10,000/वर्ष (2 किस्तें) + ₹2,00,000 मृत्यु लाभ",
      "last_verified": "2026-09-22",
      "ministry": "Department of Agriculture, Government of West Bengal",
      "launched": "2019"
    },
    {
      "slug": "rupashree-prakalpa",
      "code": "SS-WB-WMC-001",
      "name": "Rupashree Prakalpa",
      "level": "state",
      "state": "West Bengal",
      "category": "women-child",
      "official_url": "https://rupashree.wb.gov.in",
      "summary": "A one-time marriage grant for daughters of economically weaker West Bengal families, deliberately timed to arrive before the wedding rather than after, so families don't need to borrow at high interest to cover the ceremony — with the added condition that the bride be at least 18, tying the benefit to preventing child marriage.",
      "benefit_amount": "₹25,000 one-time, paid before the marriage",
      "name_hi": "রূপশ্রী প্রকল্প (रूपश्री प्रकल्प)",
      "summary_hi": "पश्चिम बंगाल के आर्थिक रूप से कमज़ोर परिवारों की बेटियों के लिए एकमुश्त विवाह अनुदान, जानबूझकर शादी से पहले पहुंचने के लिए समयबद्ध, न कि बाद में, ताकि परिवारों को समारोह के लिए ऊंची ब्याज दर पर उधार न लेना पड़े — दुल्हन की आयु कम से कम 18 वर्ष होने की शर्त के साथ, लाभ को बाल विवाह रोकने से जोड़ते हुए।",
      "benefit_amount_hi": "₹25,000 एकमुश्त, शादी से पहले भुगतान",
      "last_verified": "2026-09-22",
      "ministry": "Department of Women & Child Development and Social Welfare, Government of West Bengal",
      "launched": "1 February 2018"
    },
    {
      "slug": "banglar-yuva-sathi",
      "code": "SS-WB-SKL-001",
      "name": "Banglar Yuva Sathi Scheme",
      "level": "state",
      "state": "West Bengal",
      "category": "skills-employment",
      "official_url": "https://wbyuvasathi.wb.gov.in",
      "summary": "A monthly allowance for unemployed, educated youth in West Bengal, paid for up to 24 months or until the recipient finds a job or enrols in another government scheme — whichever comes first — designed as a bridge rather than a permanent income.",
      "benefit_amount": "₹1,500/month for up to 24 months",
      "name_hi": "বাংলার যুব সাথী প্রকল্প (बांग्लार युव साथी योजना)",
      "summary_hi": "पश्चिम बंगाल के बेरोजगार, शिक्षित युवाओं के लिए मासिक भत्ता, अधिकतम 24 महीनों तक या जब तक प्राप्तकर्ता को नौकरी नहीं मिल जाती या किसी अन्य सरकारी योजना में नामांकित नहीं हो जाता — जो भी पहले हो — स्थायी आय के बजाय एक पुल के रूप में डिज़ाइन की गई।",
      "benefit_amount_hi": "₹1,500/माह अधिकतम 24 महीनों तक",
      "last_verified": "2026-09-22",
      "ministry": "Department of Youth Services, Government of West Bengal"
    },
    {
      "slug": "wb-student-credit-card-scheme",
      "code": "SS-WB-EDU-002",
      "name": "West Bengal Student Credit Card Scheme",
      "level": "state",
      "state": "West Bengal",
      "category": "education-learning",
      "official_url": "https://wbscc.wb.gov.in",
      "summary": "A collateral-free education loan of up to ₹10 lakh at a flat 4% simple interest, covering tuition, living expenses, books and laptops for West Bengal students pursuing education from Class 10 onward, including study abroad — structured as a revolving credit line rather than a one-time disbursement.",
      "benefit_amount": "Up to ₹10,00,000 at 4% simple interest, collateral-free",
      "name_hi": "পশ্চিমবঙ্গ স্টুডেন্ট ক্রেডিট কার্ড স্কিম (पश्चिम बंगाल स्टूडेंट क्रेडिट कार्ड योजना)",
      "summary_hi": "पश्चिम बंगाल के छात्रों के लिए बिना गारंटी ₹10 लाख तक का शिक्षा ऋण सिर्फ 4% साधारण ब्याज पर, कक्षा 10 के बाद की शिक्षा के लिए ट्यूशन, जीवन-यापन खर्च, किताबें और लैपटॉप कवर करता है, विदेश में अध्ययन सहित — एकमुश्त वितरण के बजाय एक रिवॉल्विंग क्रेडिट लाइन के रूप में संरचित।",
      "benefit_amount_hi": "₹10,00,000 तक 4% साधारण ब्याज पर, बिना गारंटी",
      "last_verified": "2026-09-22",
      "ministry": "Department of Higher Education, Government of West Bengal",
      "launched": "June 2021"
    },
    {
      "slug": "sabooj-sathi-west-bengal",
      "code": "SS-WB-EDU-003",
      "name": "Sabooj Sathi Scheme",
      "level": "state",
      "state": "West Bengal",
      "category": "education-learning",
      "official_url": "https://wbsaboojsathi.gov.in",
      "summary": "Since 2015, West Bengal has distributed over 1.2 crore free bicycles to Class 9–12 students at government, government-aided and madrasah schools, directly targeting the daily commute that used to be one of the biggest reasons — especially for girls in rural areas — that students stopped attending secondary school.",
      "benefit_amount": "One free bicycle for every Class 9–12 student",
      "name_hi": "সবুজ সাথী প্রকল্প (सबुज साथी प्रकल्प)",
      "summary_hi": "2015 से, पश्चिम बंगाल ने सरकारी, सरकारी-सहायता प्राप्त और मदरसा स्कूलों में कक्षा 9-12 के छात्रों को 1.2 करोड़ से अधिक मुफ्त साइकिलें वितरित की हैं, सीधे उस दैनिक सफर को लक्षित करते हुए जो पहले माध्यमिक विद्यालय में उपस्थिति रुकने का सबसे बड़ा कारण था — विशेष रूप से ग्रामीण क्षेत्रों की लड़कियों के लिए।",
      "benefit_amount_hi": "हर कक्षा 9-12 के छात्र को एक मुफ्त साइकिल",
      "last_verified": "2026-09-22",
      "ministry": "School Education Department, Government of West Bengal"
    },
    {
      "slug": "wb-svmcm-scholarship",
      "code": "SS-WB-EDU-004",
      "name": "Swami Vivekananda Merit-Cum-Means Scholarship (SVMCM)",
      "level": "state",
      "state": "West Bengal",
      "category": "education-learning",
      "official_url": "https://svmcm.wb.gov.in",
      "summary": "West Bengal's largest merit-based scholarship, open to students of any community from Class 11 through PhD, combining academic performance (45–60% marks depending on level) with a family income ceiling — the monthly amount scales up through higher secondary, undergraduate, postgraduate and doctoral study.",
      "benefit_amount": "₹1,000–₹8,000/month, depending on course level",
      "name_hi": "স্বামী বিবেকানন্দ মেধা ও অভাব ভিত্তিক বৃত্তি (स्वामी विवेकानंद मेधा-सह-साधन छात्रवृत्ति)",
      "summary_hi": "पश्चिम बंगाल की सबसे बड़ी योग्यता-आधारित छात्रवृत्ति, कक्षा 11 से लेकर पीएचडी तक किसी भी समुदाय के छात्रों के लिए खुली, शैक्षणिक प्रदर्शन (स्तर के अनुसार 45-60% अंक) को पारिवारिक आय सीमा के साथ जोड़ती है — मासिक राशि उच्च माध्यमिक, स्नातक, स्नातकोत्तर और डॉक्टरेट अध्ययन में बढ़ती जाती है।",
      "benefit_amount_hi": "₹1,000–₹8,000/माह, पाठ्यक्रम स्तर के अनुसार",
      "last_verified": "2026-09-22",
      "ministry": "Department of Higher Education, Government of West Bengal"
    },
    {
      "slug": "wb-karma-sathi-prakalpa",
      "code": "SS-WB-BIZ-001",
      "name": "Karma Sathi Prakalpa",
      "level": "state",
      "state": "West Bengal",
      "category": "business-entrepreneurship",
      "official_url": "https://karmasathi.wb.gov.in",
      "summary": "An interest-free loan of up to ₹2 lakh for West Bengal youth aged 18–45 to start a self-employment venture, repayable over five years — aimed at the age group most likely to be job-hunting rather than job-creating, and giving them a genuine alternative.",
      "benefit_amount": "Up to ₹2,00,000, interest-free, 5-year repayment",
      "name_hi": "কর্মসাথী প্রকল্প (कर्मसाथी प्रकल्प)",
      "summary_hi": "पश्चिम बंगाल के 18-45 वर्ष के युवाओं के लिए स्वरोजगार उद्यम शुरू करने के लिए ₹2 लाख तक का बिना ब्याज ऋण, पांच साल में चुकौती योग्य — उस आयु वर्ग को लक्षित करते हुए जो नौकरी बनाने के बजाय नौकरी तलाशने की सबसे अधिक संभावना रखता है, और उन्हें एक वास्तविक विकल्प देते हुए।",
      "benefit_amount_hi": "₹2,00,000 तक, बिना ब्याज, 5-वर्ष चुकौती",
      "last_verified": "2026-09-22",
      "ministry": "Department of Micro, Small & Medium Enterprises and Textiles, Government of West Bengal"
    },
    {
      "slug": "bina-mulya-samajik-suraksha-yojana",
      "code": "SS-WB-SWE-001",
      "name": "Bina Mulya Samajik Suraksha Yojana",
      "level": "state",
      "state": "West Bengal",
      "category": "social-welfare-empowerment",
      "official_url": "https://wb.gov.in",
      "summary": "Free social security insurance for West Bengal's unorganised workers, covering natural death, accidental death, and both permanent and partial disability — a genuine safety net for a workforce that typically has no employer-provided insurance of any kind, at no cost to the worker.",
      "benefit_amount": "₹2L (natural death) / ₹5L (accidental death) / ₹5L (permanent disability) / ₹2.5L (partial disability)",
      "name_hi": "বিনামূল্য সামাজিক সুরক্ষা যোজনা (बिना मूल्य सामाजिक सुरक्षा योजना)",
      "summary_hi": "पश्चिम बंगाल के असंगठित श्रमिकों के लिए मुफ्त सामाजिक सुरक्षा बीमा, प्राकृतिक मृत्यु, दुर्घटनावश मृत्यु, और स्थायी एवं आंशिक दिव्यांगता दोनों को कवर करता है — एक वास्तविक सुरक्षा जाल उस कार्यबल के लिए जिसके पास आमतौर पर किसी भी तरह का नियोक्ता-प्रदत्त बीमा नहीं होता, श्रमिक के लिए कोई लागत नहीं।",
      "benefit_amount_hi": "₹2L (प्राकृतिक मृत्यु) / ₹5L (दुर्घटनावश मृत्यु) / ₹5L (स्थायी दिव्यांगता) / ₹2.5L (आंशिक दिव्यांगता)",
      "last_verified": "2026-09-22",
      "ministry": "Department of Labour, Government of West Bengal"
    },
    {
      "slug": "gatidhara-scheme",
      "code": "SS-WB-BIZ-002",
      "name": "Gatidhara Scheme",
      "level": "state",
      "state": "West Bengal",
      "category": "business-entrepreneurship",
      "official_url": "https://wbscstfinance.org",
      "summary": "Run by the West Bengal SC/ST Finance and Development Corporation, Gatidhara gives SC/ST entrepreneurs a term loan of up to ₹5 lakh at 4% interest — well below the 12–18% a small business would pay in the open market — plus a further ₹50,000 as a non-repayable seed grant, with mandatory skill training built in before the loan is disbursed.",
      "benefit_amount": "₹5,00,000 loan at 4% interest + ₹50,000 non-repayable seed grant",
      "name_hi": "গতিধারা প্রকল্প (गतिधारा योजना)",
      "summary_hi": "पश्चिम बंगाल SC/ST वित्त एवं विकास निगम द्वारा संचालित, गतिधारा SC/ST उद्यमियों को 4% ब्याज पर ₹5 लाख तक का सावधि ऋण देती है — खुले बाज़ार में एक छोटे व्यवसाय को चुकाने वाले 12-18% से काफी कम — साथ ही ₹50,000 का अतिरिक्त बिना-चुकौती बीज अनुदान, ऋण वितरित होने से पहले अनिवार्य कौशल प्रशिक्षण के साथ।",
      "benefit_amount_hi": "₹5,00,000 ऋण 4% ब्याज पर + ₹50,000 बिना-चुकौती बीज अनुदान",
      "last_verified": "2026-09-22",
      "ministry": "West Bengal SC/ST Finance and Development Corporation"
    },
    {
      "slug": "wb-aikyashree-scholarship",
      "code": "SS-WB-EDU-005",
      "name": "Aikyashree Scholarship",
      "level": "state",
      "state": "West Bengal",
      "category": "education-learning",
      "official_url": "https://wbmdfcscholarship.in",
      "summary": "Run by the West Bengal Minorities' Development and Finance Corporation for students from Muslim, Christian, Sikh, Buddhist, Parsi and Jain communities, Aikyashree bundles five scholarship schemes under one umbrella covering Class 1 through PhD, reaching over 15 lakh minority students with support that scales from a modest Pre-Matric stipend up to full course-fee reimbursement at the post-matric level.",
      "benefit_amount": "₹1,000–₹12,000/year, depending on class and scholarship stream",
      "name_hi": "ঐক্যশ্রী বৃত্তি (ऐक्यश्री छात्रवृत्ति)",
      "summary_hi": "मुस्लिम, ईसाई, सिख, बौद्ध, पारसी और जैन समुदायों के छात्रों के लिए पश्चिम बंगाल अल्पसंख्यक विकास एवं वित्त निगम द्वारा संचालित, ऐक्यश्री एक ही छतरी के नीचे पांच छात्रवृत्ति योजनाओं को बंडल करती है जो कक्षा 1 से पीएचडी तक कवर करती है, 15 लाख से अधिक अल्पसंख्यक छात्रों तक पहुंचती है, सहायता प्री-मैट्रिक के मामूली वजीफे से लेकर पोस्ट-मैट्रिक स्तर पर पूर्ण फीस प्रतिपूर्ति तक बढ़ती है।",
      "benefit_amount_hi": "₹1,000–₹12,000/वर्ष, कक्षा और छात्रवृत्ति धारा के अनुसार",
      "last_verified": "2026-09-22",
      "ministry": "West Bengal Minorities' Development and Finance Corporation (WBMDFC)"
    },
    {
      "slug": "wb-bocw-welfare-board",
      "code": "SS-WB-SKL-002",
      "name": "West Bengal BOCW Welfare Board",
      "level": "state",
      "state": "West Bengal",
      "category": "skills-employment",
      "official_url": "https://bocwwb.wb.gov.in",
      "summary": "Registration with the West Bengal Building & Other Construction Workers Welfare Board opens access to a genuine safety net for masons, carpenters, electricians and other site workers — ₹4 lakh accident insurance, an old-age pension from 60, maternity benefits, children's education support, and access to a housing loan, benefits an unorganised construction workforce otherwise has almost no access to.",
      "benefit_amount": "₹4,00,000 accident insurance + ₹1,000/month pension (60+) + education, maternity & housing support",
      "name_hi": "পশ্চিমবঙ্গ BOCW কল্যাণ বোর্ড (पश्चिम बंगाल BOCW कल्याण बोर्ड)",
      "summary_hi": "पश्चिम बंगाल भवन एवं अन्य सन्निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्री, बढ़ई, इलेक्ट्रीशियन और अन्य निर्माण श्रमिकों के लिए एक वास्तविक सुरक्षा जाल तक पहुंच खोलता है — ₹4 लाख दुर्घटना बीमा, 60 वर्ष से वृद्धावस्था पेंशन, मातृत्व लाभ, बच्चों की शिक्षा सहायता, और आवास ऋण तक पहुंच, ऐसे लाभ जो असंगठित निर्माण कार्यबल के पास अन्यथा लगभग नहीं होते।",
      "benefit_amount_hi": "₹4,00,000 दुर्घटना बीमा + ₹1,000/माह पेंशन (60+) + शिक्षा, मातृत्व एवं आवास सहायता",
      "last_verified": "2026-09-22",
      "ministry": "West Bengal Building & Other Construction Workers Welfare Board"
    },
    {
      "slug": "wb-fishermen-welfare-scheme",
      "code": "SS-WB-SKL-003",
      "name": "West Bengal Fishermen Welfare Scheme",
      "level": "state",
      "state": "West Bengal",
      "category": "skills-employment",
      "official_url": "https://wbfisheries.gov.in",
      "summary": "West Bengal's coastal fishing communities face a genuinely dangerous occupation with income that dries up entirely during the seasonal lean period — this scheme responds with sea accident insurance, a monthly allowance to bridge the lean months, and subsidies on diesel and ice that make up a real share of a fishing trip's operating cost.",
      "benefit_amount": "₹5,00,000 sea accident insurance + ₹1,500/month lean-season allowance + diesel & ice subsidy",
      "name_hi": "পশ্চিমবঙ্গ মৎস্যজীবী কল্যাণ প্রকল্প (पश्चिम बंगाल मत्स्यजीवी कल्याण योजना)",
      "summary_hi": "पश्चिम बंगाल के तटीय मछुआरा समुदाय एक वास्तविक खतरनाक व्यवसाय का सामना करते हैं जिसकी आय मौसमी सुस्त अवधि के दौरान पूरी तरह सूख जाती है — यह योजना समुद्री दुर्घटना बीमा, सुस्त महीनों को पाटने के लिए मासिक भत्ता, और डीज़ल एवं बर्फ पर सब्सिडी के साथ जवाब देती है जो मछली पकड़ने की यात्रा की परिचालन लागत का एक वास्तविक हिस्सा बनाती है।",
      "benefit_amount_hi": "₹5,00,000 समुद्री दुर्घटना बीमा + ₹1,500/माह सुस्त-मौसम भत्ता + डीज़ल एवं बर्फ सब्सिडी",
      "last_verified": "2026-09-22",
      "ministry": "Department of Fisheries, Government of West Bengal"
    },
    {
      "slug": "wb-nischay-shg-loan-scheme",
      "code": "SS-WB-WMC-002",
      "name": "WB Nischay Self Help Group Loan Scheme",
      "level": "state",
      "state": "West Bengal",
      "category": "women-child",
      "official_url": "https://wbfdc.net",
      "summary": "Rural women's Self Help Groups in West Bengal can access a bank-linked group loan of ₹2 lakh at 7% interest for income-generating activities, with mature, well-established SHGs eligible to scale up to ₹10 lakh — rewarding groups that have built a genuine track record rather than offering the same terms regardless of a group's history.",
      "benefit_amount": "₹2,00,000 at 7% interest, up to ₹10,00,000 for mature SHGs",
      "name_hi": "WB নিশ্চয় স্বনির্ভর গোষ্ঠী ঋণ প্রকল্প (WB निश्चय स्वयं सहायता समूह ऋण योजना)",
      "summary_hi": "पश्चिम बंगाल में ग्रामीण महिला स्वयं सहायता समूह आय-सृजन गतिविधियों के लिए 7% ब्याज पर ₹2 लाख का बैंक-लिंक्ड समूह ऋण प्राप्त कर सकते हैं, परिपक्व, अच्छी तरह से स्थापित SHG ₹10 लाख तक बढ़ाने के लिए पात्र हैं — उन समूहों को पुरस्कृत करते हुए जिन्होंने वास्तविक ट्रैक रिकॉर्ड बनाया है, समूह के इतिहास की परवाह किए बिना समान शर्तें देने के बजाय।",
      "benefit_amount_hi": "₹2,00,000 7% ब्याज पर, परिपक्व SHG के लिए ₹10,00,000 तक",
      "last_verified": "2026-09-22",
      "ministry": "West Bengal Financial Corporation / State Rural Livelihood Mission"
    },
    {
      "slug": "mukhyamantri-kisan-kalyan-yojana-mp",
      "code": "SS-MP-AGR-001",
      "name": "Mukhyamantri Kisan Kalyan Yojana",
      "level": "state",
      "state": "Madhya Pradesh",
      "category": "agriculture-rural-environment",
      "official_url": "https://saara.mp.gov.in",
      "summary": "Madhya Pradesh's own top-up on PM-KISAN — every farmer already registered for and receiving the central ₹6,000/year is automatically eligible for additional state support, taking the combined annual total higher. Reported top-up figures conflict across sources (₹4,000 vs ₹6,000/year) — confirm the current amount on the official portal.",
      "benefit_amount": "₹4,000–₹6,000/year on top of PM-KISAN (sources conflict — verify on portal)",
      "name_hi": "मुख्यमंत्री किसान कल्याण योजना",
      "summary_hi": "PM-KISAN पर मध्य प्रदेश की अपनी अतिरिक्त सहायता — केंद्रीय ₹6,000/वर्ष पहले से प्राप्त करने वाला हर पंजीकृत किसान स्वतः अतिरिक्त राज्य सहायता के लिए पात्र है, जिससे कुल वार्षिक राशि बढ़ जाती है। रिपोर्ट की गई टॉप-अप राशि स्रोतों में भिन्न है (₹4,000 बनाम ₹6,000/वर्ष) — आधिकारिक पोर्टल पर वर्तमान राशि की पुष्टि करें।",
      "benefit_amount_hi": "PM-KISAN के ऊपर ₹4,000–₹6,000/वर्ष (स्रोतों में भिन्नता — पोर्टल पर पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Farmers Welfare and Agriculture Development, Government of Madhya Pradesh"
    },
    {
      "slug": "mp-scholarship-portal",
      "code": "SS-MP-EDU-002",
      "name": "MP Scholarship Portal 2.0",
      "level": "state",
      "state": "Madhya Pradesh",
      "category": "education-learning",
      "official_url": "https://scholarshipportal.mp.nic.in",
      "summary": "A single One-Time Registration (OTR) unlocks access to Madhya Pradesh's full range of scholarship schemes — Post-Matric for SC, ST and OBC students, Pratibha Kiran and Gaon Ki Beti for girls, MPTAAS, and more — instead of applying separately to each, with money paid directly to the student's bank account via DBT.",
      "benefit_amount": "₹3,000–₹16,500/year, depending on scheme and category",
      "name_hi": "एमपी छात्रवृत्ति पोर्टल 2.0",
      "summary_hi": "एक बार का पंजीकरण (OTR) मध्य प्रदेश की पूरी छात्रवृत्ति योजनाओं तक पहुंच खोलता है — SC, ST और OBC छात्रों के लिए पोस्ट-मैट्रिक, लड़कियों के लिए प्रतिभा किरण और गांव की बेटी, MPTAAS, और अधिक — हर एक के लिए अलग से आवेदन करने के बजाय, पैसा सीधे छात्र के बैंक खाते में DBT के ज़रिए भुगतान।",
      "benefit_amount_hi": "₹3,000–₹16,500/वर्ष, योजना और श्रेणी के अनुसार",
      "last_verified": "2026-09-24",
      "ministry": "Tribal Affairs / Social Justice / Backward Classes Welfare Departments, Government of Madhya Pradesh"
    },
    {
      "slug": "mukhyamantri-balika-scooty-yojana-mp",
      "code": "SS-MP-EDU-003",
      "name": "Mukhyamantri Balika Scooty Yojana",
      "level": "state",
      "state": "Madhya Pradesh",
      "category": "education-learning",
      "official_url": "https://mp.gov.in",
      "summary": "Meritorious girl students who top their government school in the Class 12 board exam (70%+ marks) get to choose between a free e-scooter (up to ₹1.20 lakh) or a motorised vehicle (up to ₹90,000) — over 7,500 students received one in a single September 2026 distribution event alone.",
      "benefit_amount": "Up to ₹1,20,000 (e-scooter) or ₹90,000 (motorised vehicle)",
      "name_hi": "मुख्यमंत्री बालिका स्कूटी योजना",
      "summary_hi": "सरकारी स्कूल में कक्षा 12 बोर्ड परीक्षा में टॉप करने वाली मेधावी छात्राओं (70%+ अंक) को मुफ्त ई-स्कूटर (₹1.20 लाख तक) या मोटरयुक्त वाहन (₹90,000 तक) में से चुनने का मौका मिलता है — अकेले सितंबर 2026 के एक वितरण कार्यक्रम में ही 7,500 से अधिक छात्राओं को यह मिला।",
      "benefit_amount_hi": "₹1,20,000 तक (ई-स्कूटर) या ₹90,000 (मोटरयुक्त वाहन)",
      "last_verified": "2026-09-24",
      "ministry": "School Education Department, Government of Madhya Pradesh"
    },
    {
      "slug": "mp-e-uparjan-kisan-portal",
      "code": "SS-MP-AGR-002",
      "name": "MP e-Uparjan Kisan Portal",
      "level": "state",
      "state": "Madhya Pradesh",
      "category": "agriculture-rural-environment",
      "official_url": "https://mpeuparjan.nic.in",
      "summary": "Madhya Pradesh's official procurement portal guarantees farmers the Minimum Support Price for wheat, paddy and soybean — among India's largest wheat and soybean producing states, MP moves lakhs of farmers through this system each season, with payment going straight to the bank account via DBT once produce is procured.",
      "benefit_amount": "Guaranteed MSP for wheat/paddy/soybean, paid via DBT",
      "name_hi": "एमपी ई-उपार्जन किसान पोर्टल",
      "summary_hi": "मध्य प्रदेश का आधिकारिक खरीद पोर्टल गेहूं, धान और सोयाबीन के लिए न्यूनतम समर्थन मूल्य की गारंटी देता है — भारत के सबसे बड़े गेहूं और सोयाबीन उत्पादक राज्यों में से एक, MP हर सीज़न लाखों किसानों को इस प्रणाली से गुज़ारता है, उपज खरीदे जाने के बाद भुगतान सीधे DBT के ज़रिए बैंक खाते में।",
      "benefit_amount_hi": "गेहूं/धान/सोयाबीन के लिए गारंटीकृत MSP, DBT से भुगतान",
      "last_verified": "2026-09-24",
      "ministry": "Department of Food, Civil Supplies and Consumer Protection, Government of Madhya Pradesh"
    },
    {
      "slug": "mp-sambal-yojana",
      "code": "SS-MP-SWE-001",
      "name": "MP Sambal Yojana (Jan Kalyan)",
      "level": "state",
      "state": "Madhya Pradesh",
      "category": "social-welfare-empowerment",
      "official_url": "https://sambal.mp.gov.in",
      "summary": "A broad welfare umbrella for Madhya Pradesh's unorganised workers — roughly 50 lakh registered so far — bundling free electricity, free education support for children, a maternity benefit, and accident/death insurance into a single registration, aimed at a workforce that otherwise has almost no institutional safety net.",
      "benefit_amount": "Free 200 units electricity/month + free education + ₹16,000 maternity + ₹2–4L accident/death insurance",
      "name_hi": "एमपी संबल योजना (जन कल्याण)",
      "summary_hi": "मध्य प्रदेश के असंगठित श्रमिकों के लिए एक व्यापक कल्याण छतरी — अब तक लगभग 50 लाख पंजीकृत — मुफ्त बिजली, बच्चों के लिए मुफ्त शिक्षा सहायता, मातृत्व लाभ, और दुर्घटना/मृत्यु बीमा को एक ही पंजीकरण में बंडल करती है, ऐसे कार्यबल के लिए जिसके पास अन्यथा लगभग कोई संस्थागत सुरक्षा जाल नहीं होता।",
      "benefit_amount_hi": "मुफ्त 200 यूनिट बिजली/माह + मुफ्त शिक्षा + ₹16,000 मातृत्व + ₹2-4L दुर्घटना/मृत्यु बीमा",
      "last_verified": "2026-09-24",
      "ministry": "Labour Department, Government of Madhya Pradesh"
    },
    {
      "slug": "ladli-behna-awas-yojana-mp",
      "code": "SS-MP-HSG-001",
      "name": "Ladli Behna Awas Yojana",
      "level": "state",
      "state": "Madhya Pradesh",
      "category": "housing-shelter",
      "official_url": "https://cmladlibahna.mp.gov.in",
      "summary": "Built specifically for Ladli Behna Yojana beneficiaries who are homeless or living in a kutcha house and were left out of PM Awas Yojana's lists — an estimated 4 lakh women fall into this gap. Eligible women receive ₹2 lakh to build a pucca house, released in three instalments as construction progresses.",
      "benefit_amount": "₹2,00,000 in 3 instalments (DBT)",
      "name_hi": "लाडली बहना आवास योजना",
      "summary_hi": "विशेष रूप से उन लाड़ली बहना योजना लाभार्थियों के लिए बनाई गई जो बेघर हैं या कच्चे मकान में रहती हैं और PM आवास योजना की सूची से छूट गईं — अनुमानित 4 लाख महिलाएं इस कमी में आती हैं। पात्र महिलाओं को पक्का घर बनाने के लिए ₹2 लाख मिलते हैं, निर्माण प्रगति के अनुसार तीन किस्तों में जारी।",
      "benefit_amount_hi": "₹2,00,000 तीन किस्तों में (DBT)",
      "last_verified": "2026-09-24",
      "ministry": "Housing and Environment Department, Government of Madhya Pradesh"
    },
    {
      "slug": "mukhyamantri-udyam-kranti-yojana-mp",
      "code": "SS-MP-BIZ-001",
      "name": "Mukhyamantri Udyam Kranti Yojana",
      "level": "state",
      "state": "Madhya Pradesh",
      "category": "business-entrepreneurship",
      "official_url": "https://mponline.gov.in",
      "summary": "A collateral-free bank loan of up to ₹50 lakh for manufacturing ventures (₹25 lakh for service/retail businesses) for Madhya Pradesh youth, with a 3% interest subsidy that brings the effective borrowing cost down substantially compared to a standard business loan.",
      "benefit_amount": "₹1L–₹50L (manufacturing) / ₹1L–₹25L (service/retail) + 3% interest subsidy",
      "name_hi": "मुख्यमंत्री उद्यम क्रांति योजना",
      "summary_hi": "मध्य प्रदेश के युवाओं के लिए विनिर्माण उद्यमों के लिए ₹50 लाख तक (सेवा/खुदरा व्यवसायों के लिए ₹25 लाख) का बिना गारंटी बैंक ऋण, 3% ब्याज सब्सिडी के साथ जो मानक व्यावसायिक ऋण की तुलना में प्रभावी उधार लागत को काफी कम कर देता है।",
      "benefit_amount_hi": "₹1L–₹50L (विनिर्माण) / ₹1L–₹25L (सेवा/खुदरा) + 3% ब्याज सब्सिडी",
      "last_verified": "2026-09-24",
      "ministry": "MSME Department, Government of Madhya Pradesh"
    },
    {
      "slug": "mp-mukhyamantri-pension-yojana",
      "code": "SS-MP-SWE-002",
      "name": "MP Mukhyamantri Pension Yojana (Social Security)",
      "level": "state",
      "state": "Madhya Pradesh",
      "category": "social-welfare-empowerment",
      "official_url": "https://socialsecurity.mp.gov.in",
      "summary": "A single social security pension covering three groups that would otherwise need three separate schemes — the elderly (60+), widows (18+), and persons with disabilities — paid quarterly to a shared eligibility list, reaching over 53 lakh beneficiaries across Madhya Pradesh.",
      "benefit_amount": "₹600/month (₹1,800/quarter)",
      "name_hi": "एमपी मुख्यमंत्री पेंशन योजना (सामाजिक सुरक्षा)",
      "summary_hi": "एक ही सामाजिक सुरक्षा पेंशन जो तीन समूहों को कवर करती है जिन्हें अन्यथा तीन अलग-अलग योजनाओं की ज़रूरत होती — बुज़ुर्ग (60+), विधवाएं (18+), और दिव्यांग व्यक्ति — साझा पात्रता सूची पर त्रैमासिक भुगतान, मध्य प्रदेश भर में 53 लाख से अधिक लाभार्थियों तक पहुंचती है।",
      "benefit_amount_hi": "₹600/माह (₹1,800/तिमाही)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Justice and Disabled Welfare, Government of Madhya Pradesh"
    },
    {
      "slug": "mukhyamantri-medhavi-vidyarthi-yojana",
      "code": "SS-MP-EDU-004",
      "name": "Mukhyamantri Medhavi Vidyarthi Yojana (MMVY)",
      "level": "state",
      "state": "Madhya Pradesh",
      "category": "education-learning",
      "official_url": "https://scholarshipportal.mp.nic.in",
      "summary": "Madhya Pradesh pays the admission and tuition fees for meritorious students who score 70%+ in the MP Board Class 12 exam (85%+ in CBSE/ICSE) and go on to undergraduate study — full fees at government colleges, and up to ₹1.5 lakh a year for engineering at private colleges. The family income ceiling is reported as ₹6 lakh by some sources and ₹8 lakh by others — confirm on the portal.",
      "benefit_amount": "Full tuition fee (govt colleges) or up to ₹1,50,000/year (private engineering)",
      "name_hi": "मुख्यमंत्री मेधावी विद्यार्थी योजना (MMVY)",
      "summary_hi": "मध्य प्रदेश उन मेधावी विद्यार्थियों की प्रवेश और ट्यूशन फीस भरता है जो MP बोर्ड कक्षा 12 में 70%+ (CBSE/ICSE में 85%+) अंक लाकर स्नातक पढ़ाई करते हैं — सरकारी कॉलेजों में पूरी फीस, और निजी कॉलेजों में इंजीनियरिंग के लिए ₹1.5 लाख प्रति वर्ष तक। पारिवारिक आय सीमा कुछ स्रोतों में ₹6 लाख और कुछ में ₹8 लाख बताई गई है — पोर्टल पर पुष्टि करें।",
      "benefit_amount_hi": "पूरी ट्यूशन फीस (सरकारी कॉलेज) या ₹1,50,000/वर्ष तक (निजी इंजीनियरिंग)",
      "last_verified": "2026-09-24",
      "ministry": "Higher Education & Technical Education Departments, Government of Madhya Pradesh"
    },
    {
      "slug": "mp-pratibhashali-vidyarthi-laptop-yojana",
      "code": "SS-MP-EDU-005",
      "name": "MP Pratibhashali Vidyarthi Protsahan Yojana (Laptop Yojana)",
      "level": "state",
      "state": "Madhya Pradesh",
      "category": "education-learning",
      "official_url": "https://www.educationportal3.in",
      "summary": "Every student who scores 75% or more in the MP Board Class 12 exam on the first attempt receives ₹25,000 via DBT to buy a laptop — in September 2026 alone, about ₹305 crore went to roughly 1.22 lakh students.",
      "benefit_amount": "₹25,000 one-time (DBT) for a laptop",
      "name_hi": "एमपी प्रतिभाशाली विद्यार्थी प्रोत्साहन योजना (लैपटॉप योजना)",
      "summary_hi": "MP बोर्ड कक्षा 12 परीक्षा में पहले प्रयास में 75% या अधिक अंक लाने वाले हर विद्यार्थी को लैपटॉप खरीदने के लिए DBT से ₹25,000 मिलते हैं — अकेले सितंबर 2026 में लगभग 1.22 लाख विद्यार्थियों को करीब ₹305 करोड़ दिए गए।",
      "benefit_amount_hi": "लैपटॉप के लिए ₹25,000 एकमुश्त (DBT)",
      "last_verified": "2026-09-24",
      "ministry": "School Education Department, Government of Madhya Pradesh"
    },
    {
      "slug": "mukhyamantri-krishak-jeevan-kalyan-yojana",
      "code": "SS-MP-AGR-003",
      "name": "Mukhyamantri Krishak Jeevan Kalyan Yojana",
      "level": "state",
      "state": "Madhya Pradesh",
      "category": "agriculture-rural-environment",
      "official_url": "https://mpkisan.mp.gov.in",
      "summary": "Free, government-funded accident cover for Madhya Pradesh farmers and farm workers injured or killed while doing agricultural work — no premium, no enrolment fee. The official district government listing gives ₹4 lakh on death; some aggregator sites show ₹2 lakh, so confirm the current figure with your district office.",
      "benefit_amount": "₹4,00,000 on death; ₹1,00,000 permanent disability (per official district listing)",
      "name_hi": "मुख्यमंत्री कृषक जीवन कल्याण योजना",
      "summary_hi": "कृषि कार्य करते समय घायल या मृत होने वाले मध्य प्रदेश के किसानों और कृषि श्रमिकों के लिए मुफ्त, सरकार-वित्तपोषित दुर्घटना सहायता — कोई प्रीमियम नहीं, कोई नामांकन शुल्क नहीं। आधिकारिक ज़िला सरकार सूची मृत्यु पर ₹4 लाख बताती है; कुछ एग्रीगेटर साइटें ₹2 लाख दिखाती हैं, इसलिए वर्तमान राशि की पुष्टि अपने ज़िला कार्यालय से करें।",
      "benefit_amount_hi": "मृत्यु पर ₹4,00,000; स्थायी दिव्यांगता ₹1,00,000 (आधिकारिक ज़िला सूची अनुसार)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Farmers Welfare and Agriculture Development, Government of Madhya Pradesh"
    },
    {
      "slug": "mp-bocw-nirman-shramik-kalyan-mandal",
      "code": "SS-MP-SKL-002",
      "name": "MP BOCW Nirman Shramik Kalyan Mandal",
      "level": "state",
      "state": "Madhya Pradesh",
      "category": "skills-employment",
      "official_url": "https://shramsewa.mp.gov.in",
      "summary": "Registration with Madhya Pradesh's Building & Other Construction Workers Welfare Board unlocks a set of benefits for masons, labourers and other construction workers — accident and death assistance, maternity support, daughters' marriage assistance, children's scholarships and a pension. Individual benefit amounts are reported by aggregator sources and should be confirmed with the Board.",
      "benefit_amount": "Accident/death assistance + maternity + marriage + scholarship + pension (verify amounts with the Board)",
      "name_hi": "एमपी भवन एवं अन्य सन्निर्माण कर्मकार कल्याण मंडल",
      "summary_hi": "मध्य प्रदेश भवन एवं अन्य सन्निर्माण कर्मकार कल्याण मंडल में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों के लिए कई लाभ खोलता है — दुर्घटना और मृत्यु सहायता, मातृत्व सहायता, बेटियों के विवाह की सहायता, बच्चों की छात्रवृत्ति और पेंशन। अलग-अलग लाभ राशियां एग्रीगेटर स्रोतों से हैं और मंडल से पुष्टि की जानी चाहिए।",
      "benefit_amount_hi": "दुर्घटना/मृत्यु सहायता + मातृत्व + विवाह + छात्रवृत्ति + पेंशन (राशि मंडल से पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "MP Building & Other Construction Workers Welfare Board (Labour Department)"
    },
    {
      "slug": "deendayal-antyodaya-rasoi-yojana",
      "code": "SS-MP-SWE-003",
      "name": "Deendayal Antyodaya Rasoi Yojana",
      "level": "state",
      "state": "Madhya Pradesh",
      "category": "social-welfare-empowerment",
      "official_url": "https://rasoi.mp.gov.in",
      "summary": "A full meal — roti, dal, rice and sabzi — for ₹10 at government-supported kitchen centres across all 52 districts of Madhya Pradesh. No card, no documents and no eligibility test: anyone can walk in and eat, though the scheme is aimed at daily-wage workers, migrants and the urban poor.",
      "benefit_amount": "Full meal at ₹10 per plate, no documents needed",
      "name_hi": "दीनदयाल अंत्योदय रसोई योजना",
      "summary_hi": "मध्य प्रदेश के सभी 52 ज़िलों में सरकार-समर्थित रसोई केंद्रों पर ₹10 में पूरा भोजन — रोटी, दाल, चावल और सब्ज़ी। कोई कार्ड नहीं, कोई दस्तावेज़ नहीं, कोई पात्रता जांच नहीं: कोई भी आकर खा सकता है, हालांकि योजना दैनिक मज़दूरों, प्रवासियों और शहरी गरीबों के लिए है।",
      "benefit_amount_hi": "₹10 प्रति थाली पूरा भोजन, कोई दस्तावेज़ ज़रूरी नहीं",
      "last_verified": "2026-09-24",
      "ministry": "Urban Development and Housing Department, Government of Madhya Pradesh"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "magalir-urimai-thittam",
      "code": "SS-TN-WMC-001",
      "name": "Magalir Urimai Thittam (formerly Kalaignar Magalir Urimai Thogai)",
      "category": "women-child",
      "official_url": "https://kmut.tn.gov.in",
      "summary": "₹1,000 every month, paid by DBT on the 15th, to the woman head of each eligible Tamil Nadu household — about 1.31 crore women. Renamed from Kalaignar Magalir Urimai Thogai in the August 2026 budget; the ruling party's promise to raise it to ₹2,500 has not yet been implemented.",
      "benefit_amount": "₹1,000/month (₹12,000/year)",
      "name_hi": "मगलिर उरिमै तिट्टम — महिला अधिकार योजना (पूर्व नाम: कलैग्नर मगलिर उरिमै तोगै)",
      "summary_hi": "तमिलनाडु के हर पात्र परिवार की महिला मुखिया को हर महीने ₹1,000, हर महीने की 15 तारीख को DBT से — लगभग 1.31 करोड़ महिलाएं। अगस्त 2026 के बजट में कलैग्नर मगलिर उरिमै तोगै से नाम बदला गया; सत्तारूढ़ दल का इसे ₹2,500 करने का वादा अभी लागू नहीं हुआ है।",
      "benefit_amount_hi": "₹1,000/माह (₹12,000/वर्ष)",
      "last_verified": "2026-09-24",
      "ministry": "Social Welfare and Women Empowerment Department, Government of Tamil Nadu"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "pudhumai-penn-scheme",
      "code": "SS-TN-EDU-001",
      "name": "Pudhumai Penn Scheme (Moovalur Ramamirtham Ammaiyar Higher Education Assurance)",
      "category": "education-learning",
      "official_url": "https://www.pudhumaipenn.tn.gov.in",
      "summary": "₹1,000 a month for girls who studied in Tamil Nadu government schools from Class 6 to 12 and go on to college, a diploma, ITI or other higher education — paid until they finish the course, and confirmed to continue under the new government.",
      "benefit_amount": "₹1,000/month until course completion",
      "name_hi": "पुदुमई पेन योजना (मूवलूर रामामृतम अम्मैयार उच्च शिक्षा आश्वासन योजना)",
      "summary_hi": "तमिलनाडु के सरकारी स्कूलों में कक्षा 6 से 12 तक पढ़ी और कॉलेज, डिप्लोमा, ITI या अन्य उच्च शिक्षा में जाने वाली लड़कियों को हर महीने ₹1,000 — पाठ्यक्रम पूरा होने तक, नई सरकार द्वारा जारी रखने की पुष्टि।",
      "benefit_amount_hi": "पाठ्यक्रम पूरा होने तक ₹1,000/माह",
      "last_verified": "2026-09-24",
      "ministry": "Social Welfare and Women Empowerment Department, Government of Tamil Nadu",
      "launched": "2022"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "tamizh-pudhalvan-scheme",
      "code": "SS-TN-EDU-002",
      "name": "Tamizh Pudhalvan Scheme",
      "category": "education-learning",
      "official_url": "https://www.tamizhpudhalvan.tn.gov.in",
      "summary": "The boys' counterpart of Pudhumai Penn: ₹1,000 a month for boys who studied in Tamil Nadu government schools from Class 6 to 12 and continue into higher education, until they complete the course.",
      "benefit_amount": "₹1,000/month until course completion",
      "name_hi": "तमिल पुदल्वन योजना",
      "summary_hi": "पुदुमई पेन का लड़कों वाला संस्करण: तमिलनाडु के सरकारी स्कूलों में कक्षा 6 से 12 तक पढ़े और उच्च शिक्षा जारी रखने वाले लड़कों को पाठ्यक्रम पूरा होने तक हर महीने ₹1,000।",
      "benefit_amount_hi": "पाठ्यक्रम पूरा होने तक ₹1,000/माह",
      "last_verified": "2026-09-24",
      "ministry": "Social Welfare and Women Empowerment Department, Government of Tamil Nadu",
      "launched": "2024"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "kamarajar-breakfast-scheme-tn",
      "code": "SS-TN-EDU-003",
      "name": "Perunthalaivar Kamarajar Breakfast Scheme (formerly CM's Breakfast Scheme)",
      "category": "education-learning",
      "official_url": "https://tnschools.gov.in",
      "summary": "A free hot breakfast every school day for students in Tamil Nadu government and government-aided schools. Renamed after K. Kamaraj and expanded on 22 September 2026 to Classes 6–8, it now reaches roughly 35 lakh children.",
      "benefit_amount": "Free breakfast every school day (Classes 1–8)",
      "name_hi": "पेरुन्तलैवर कामराजर नाश्ता योजना (पूर्व नाम: मुख्यमंत्री नाश्ता योजना)",
      "summary_hi": "तमिलनाडु के सरकारी और सरकारी-सहायता प्राप्त स्कूलों के विद्यार्थियों को हर स्कूल दिवस मुफ्त गर्म नाश्ता। के. कामराज के नाम पर नया नाम दिया गया और 22 सितंबर 2026 को कक्षा 6-8 तक विस्तार किया गया — अब लगभग 35 लाख बच्चों तक पहुंचती है।",
      "benefit_amount_hi": "हर स्कूल दिवस मुफ्त नाश्ता (कक्षा 1-8)",
      "last_verified": "2026-09-24",
      "ministry": "School Education Department, Government of Tamil Nadu"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "vetri-laptop-scheme-tn",
      "code": "SS-TN-EDU-004",
      "name": "Vetri Laptop Scheme (formerly Ulagam Ungal Kaiyil)",
      "category": "education-learning",
      "official_url": "https://www.tn.gov.in",
      "summary": "Free laptops for college students in Tamil Nadu. Launched in January 2026 as 'Ulagam Ungal Kaiyil' with a target of 20 lakh laptops (10 lakh in the first phase, ₹2,000 crore), and renamed 'Vetri Laptop' in the August 2026 budget.",
      "benefit_amount": "One free laptop per eligible college student",
      "name_hi": "वेट्री लैपटॉप योजना (पूर्व नाम: उलगम उंगल कैयिल)",
      "summary_hi": "तमिलनाडु के कॉलेज विद्यार्थियों को मुफ्त लैपटॉप। जनवरी 2026 में 'उलगम उंगल कैयिल' नाम से 20 लाख लैपटॉप के लक्ष्य के साथ शुरू (पहले चरण में 10 लाख, ₹2,000 करोड़), अगस्त 2026 के बजट में 'वेट्री लैपटॉप' नाम दिया गया।",
      "benefit_amount_hi": "हर पात्र कॉलेज विद्यार्थी को एक मुफ्त लैपटॉप",
      "last_verified": "2026-09-24",
      "ministry": "Higher Education Department, Government of Tamil Nadu"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "magalir-payanam-tn",
      "code": "SS-TN-TRN-001",
      "name": "Magalir Payanam — Free Bus Travel for Women (formerly Magalir Vidiyal Payanam)",
      "category": "transport-infrastructure",
      "official_url": "https://www.tnstc.in",
      "summary": "Free travel for all women — including transgender persons and girl students — on ordinary town buses of Tamil Nadu's state transport undertakings. No card or registration needed. Buses now display the name 'Magalir Payanam' (the word 'Vidiyal' was dropped in July 2026).",
      "benefit_amount": "Free travel on ordinary town buses",
      "name_hi": "मगलिर पयणम — महिलाओं के लिए मुफ्त बस यात्रा (पूर्व नाम: मगलिर विडियल पयणम)",
      "summary_hi": "तमिलनाडु राज्य परिवहन उपक्रमों की साधारण शहरी बसों में सभी महिलाओं — ट्रांसजेंडर व्यक्तियों और छात्राओं सहित — के लिए मुफ्त यात्रा। कोई कार्ड या पंजीकरण ज़रूरी नहीं। बसों पर अब 'मगलिर पयणम' नाम दिखता है (जुलाई 2026 में 'विडियल' शब्द हटाया गया)।",
      "benefit_amount_hi": "साधारण शहरी बसों में मुफ्त यात्रा",
      "last_verified": "2026-09-24",
      "ministry": "Transport Department (State Transport Undertakings), Government of Tamil Nadu"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "vetri-skill-training-scheme",
      "code": "SS-TN-SKL-001",
      "name": "Vetri Skill Training Scheme (formerly Naan Mudhalvan)",
      "category": "skills-employment",
      "official_url": "https://www.naanmudhalvan.tn.gov.in",
      "summary": "Tamil Nadu's flagship skilling programme for college students — industry-oriented courses, certifications, internships and career guidance built into the college years. Over 48 lakh skill certificates were issued as Naan Mudhalvan before it was renamed in the August 2026 budget.",
      "benefit_amount": "Free industry-linked training, certification and internships",
      "name_hi": "वेट्री कौशल प्रशिक्षण योजना (पूर्व नाम: नान मुदल्वन)",
      "summary_hi": "कॉलेज विद्यार्थियों के लिए तमिलनाडु का प्रमुख कौशल कार्यक्रम — कॉलेज के वर्षों में ही उद्योग-उन्मुख पाठ्यक्रम, प्रमाणन, इंटर्नशिप और करियर मार्गदर्शन। अगस्त 2026 के बजट में नाम बदलने से पहले नान मुदल्वन के रूप में 48 लाख से अधिक कौशल प्रमाण पत्र जारी हुए।",
      "benefit_amount_hi": "मुफ्त उद्योग-आधारित प्रशिक्षण, प्रमाणन और इंटर्नशिप",
      "last_verified": "2026-09-24",
      "ministry": "Tamil Nadu Skill Development Corporation, Government of Tamil Nadu"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "vetri-nichayam-scheme",
      "code": "SS-TN-SKL-002",
      "name": "Vetri Nichayam Scheme",
      "category": "skills-employment",
      "official_url": "https://www.tnskill.tn.gov.in/vetri-nichayam-scheme/",
      "summary": "Free job-oriented skill training for Tamil Nadu youth aged 18–35 who dropped out of school or college — 165+ courses across 38 sectors at 500+ centres, with a ₹12,000 incentive for eligible trainees and free hostel and food for those from distant areas.",
      "benefit_amount": "Free training + ₹12,000 incentive (eligible trainees)",
      "name_hi": "वेट्री निचयम योजना",
      "summary_hi": "स्कूल या कॉलेज छोड़ चुके 18-35 वर्ष के तमिलनाडु के युवाओं के लिए मुफ्त रोज़गार-उन्मुख कौशल प्रशिक्षण — 500+ केंद्रों पर 38 क्षेत्रों में 165+ पाठ्यक्रम, पात्र प्रशिक्षुओं को ₹12,000 प्रोत्साहन और दूर-दराज़ से आने वालों को मुफ्त छात्रावास व भोजन।",
      "benefit_amount_hi": "मुफ्त प्रशिक्षण + ₹12,000 प्रोत्साहन (पात्र प्रशिक्षु)",
      "last_verified": "2026-09-24",
      "ministry": "Tamil Nadu Skill Development Corporation / Directorate of Employment and Training",
      "launched": "July 2025"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "vetri-veedu-vazhangum-thittam",
      "code": "SS-TN-HSG-001",
      "name": "Vetri Veedu Vazhangum Thittam (formerly Kalaignar Kanavu Illam)",
      "category": "housing-shelter",
      "official_url": "https://www.tnrd.tn.gov.in",
      "summary": "Tamil Nadu's programme to replace rural huts with pucca concrete houses. Renamed from Kalaignar Kanavu Illam in the August 2026 budget, with 70,000 houses and ₹3,000 crore planned for the first year. The per-house grant under the old name was ₹3.5 lakh — confirm the current amount with your block office.",
      "benefit_amount": "Pucca house grant (₹3.5 lakh/house under the previous scheme — verify current amount)",
      "name_hi": "वेट्री वीडु वळंगुम तिट्टम (पूर्व नाम: कलैग्नर कनवु इल्लम)",
      "summary_hi": "ग्रामीण झोपड़ियों को पक्के कंक्रीट मकानों से बदलने का तमिलनाडु का कार्यक्रम। अगस्त 2026 के बजट में कलैग्नर कनवु इल्लम से नाम बदला गया, पहले वर्ष में 70,000 मकान और ₹3,000 करोड़ की योजना। पुराने नाम के तहत प्रति मकान अनुदान ₹3.5 लाख था — वर्तमान राशि की पुष्टि अपने ब्लॉक कार्यालय से करें।",
      "benefit_amount_hi": "पक्का मकान अनुदान (पिछली योजना में ₹3.5 लाख/मकान — वर्तमान राशि की पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Rural Development and Panchayat Raj Department, Government of Tamil Nadu"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "annapoorani-super-six-scheme",
      "code": "SS-TN-UTL-003",
      "name": "Annapoorani Super Six Scheme (LPG) — starts January 2027",
      "category": "utility-sanitation",
      "official_url": "https://www.tn.gov.in",
      "summary": "Announced on 24 August 2026 and due to begin at Pongal in January 2027: the cost of three domestic LPG cylinders a year reimbursed by DBT to eligible families (income up to ₹2.5 lakh), expected to reach about 1.3 crore families. Detailed rules and the application process have not yet been notified.",
      "benefit_amount": "Cost of 3 LPG cylinders/year via DBT (from Pongal 2027)",
      "name_hi": "अन्नपूरणी सुपर सिक्स योजना (LPG) — जनवरी 2027 से",
      "summary_hi": "24 अगस्त 2026 को घोषित और जनवरी 2027 में पोंगल से शुरू होने वाली: पात्र परिवारों (आय ₹2.5 लाख तक) को साल में तीन घरेलू LPG सिलेंडर की लागत DBT से वापस, लगभग 1.3 करोड़ परिवारों तक पहुंचने की उम्मीद। विस्तृत नियम और आवेदन प्रक्रिया अभी अधिसूचित नहीं हुई है।",
      "benefit_amount_hi": "3 LPG सिलेंडर/वर्ष की लागत DBT से (पोंगल 2027 से)",
      "last_verified": "2026-09-24",
      "ministry": "Food and Consumer Protection Department, Government of Tamil Nadu"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "makkalai-thedi-maruthuvam",
      "code": "SS-TN-HLT-002",
      "name": "Makkalai Thedi Maruthuvam (Healthcare at the Doorstep)",
      "category": "health-wellness",
      "official_url": "https://www.tnhealth.tn.gov.in",
      "summary": "Medical teams visit homes across Tamil Nadu to screen for and treat non-communicable diseases — diabetes, hypertension and more — delivering medicines to the door, with a focus on the elderly and bedridden. Over 2.25 crore people served; it won a UN Inter-Agency Task Force award in 2024.",
      "benefit_amount": "Free doorstep screening, treatment and medicines",
      "name_hi": "मक्कलै तेडि मरुत्तुवम (घर-घर स्वास्थ्य सेवा)",
      "summary_hi": "चिकित्सा टीमें तमिलनाडु भर में घर-घर जाकर गैर-संचारी रोगों — मधुमेह, उच्च रक्तचाप आदि — की जांच और इलाज करती हैं और दवाइयां घर तक पहुंचाती हैं, बुज़ुर्गों और बिस्तर पर पड़े मरीज़ों पर विशेष ध्यान। 2.25 करोड़ से अधिक लोगों को सेवा; 2024 में संयुक्त राष्ट्र अंतर-एजेंसी टास्क फोर्स पुरस्कार।",
      "benefit_amount_hi": "मुफ्त घर-घर जांच, इलाज और दवाइयां",
      "last_verified": "2026-09-24",
      "ministry": "Health and Family Welfare Department, Government of Tamil Nadu",
      "launched": "August 2021"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "innuyir-kaappom-nammai-kaakkum-48",
      "code": "SS-TN-HLT-003",
      "name": "Innuyir Kaappom – Nammai Kaakkum 48",
      "category": "health-wellness",
      "official_url": "https://www.tnhealth.tn.gov.in",
      "summary": "Free emergency treatment for anyone injured in a road accident in Tamil Nadu — resident or not — for the first 48 hours at government and empanelled private hospitals, covered up to ₹2 lakh per victim (raised from ₹1 lakh). Over 5 lakh lives reported saved.",
      "benefit_amount": "Free treatment for first 48 hours, up to ₹2,00,000 per victim",
      "name_hi": "इन्नुयिर काप्पोम – नम्मै काक्कुम 48",
      "summary_hi": "तमिलनाडु में सड़क दुर्घटना में घायल किसी भी व्यक्ति — निवासी हो या नहीं — को सरकारी और सूचीबद्ध निजी अस्पतालों में पहले 48 घंटे मुफ्त आपातकालीन इलाज, प्रति पीड़ित ₹2 लाख तक (₹1 लाख से बढ़ाकर)। 5 लाख से अधिक जानें बचाने की रिपोर्ट।",
      "benefit_amount_hi": "पहले 48 घंटे मुफ्त इलाज, प्रति पीड़ित ₹2,00,000 तक",
      "last_verified": "2026-09-24",
      "ministry": "Health and Family Welfare Department, Government of Tamil Nadu"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "muthulakshmi-reddy-maternity-benefit-scheme",
      "code": "SS-TN-WMC-002",
      "name": "Dr. Muthulakshmi Reddy Maternity Benefit Scheme",
      "category": "women-child",
      "official_url": "https://picme.tn.gov.in",
      "summary": "Cash assistance and nutrition kits for pregnant women in Tamil Nadu, to compensate for lost wages and support nutrition before and after delivery. Commonly reported at ₹18,000 per pregnancy (part cash, part nutrition kits) for the first two deliveries; over ₹4,000 crore has gone to 34.4 lakh women.",
      "benefit_amount": "₹18,000 per pregnancy (cash + nutrition kits, as widely reported)",
      "name_hi": "डॉ. मुतुलक्ष्मी रेड्डी मातृत्व लाभ योजना",
      "summary_hi": "तमिलनाडु की गर्भवती महिलाओं को नकद सहायता और पोषण किट, प्रसव से पहले और बाद में मज़दूरी के नुकसान की भरपाई और पोषण के लिए। आमतौर पर पहले दो प्रसवों के लिए प्रति गर्भावस्था ₹18,000 (कुछ नकद, कुछ पोषण किट) बताया जाता है; 34.4 लाख महिलाओं को ₹4,000 करोड़ से अधिक दिए गए।",
      "benefit_amount_hi": "प्रति गर्भावस्था ₹18,000 (नकद + पोषण किट, व्यापक रूप से रिपोर्ट)",
      "last_verified": "2026-09-24",
      "ministry": "Health and Family Welfare Department, Government of Tamil Nadu"
    },
    {
      "level": "state",
      "state": "Tamil Nadu",
      "slug": "mannin-magal-thittam",
      "code": "SS-TN-AGR-001",
      "name": "Mannin Magal Thittam (formerly Nannilam Land Ownership Scheme)",
      "category": "agriculture-rural-environment",
      "official_url": "https://tahdco.com",
      "summary": "Helps landless Adi Dravidar (SC) and tribal women farm labourers in Tamil Nadu buy agricultural land: a 50% subsidy on the land cost up to ₹5 lakh, plus exemption from stamp duty and registration fees. Launched on 5 August 2026, replacing the Nannilam scheme.",
      "benefit_amount": "50% of land cost, up to ₹5,00,000 + stamp duty waiver",
      "name_hi": "मण्णिन मगळ तिट्टम (पूर्व नाम: नन्निलम भूमि स्वामित्व योजना)",
      "summary_hi": "तमिलनाडु की भूमिहीन आदि द्रविड़ (SC) और आदिवासी महिला कृषि श्रमिकों को खेती की ज़मीन खरीदने में मदद: ज़मीन की लागत पर 50% सब्सिडी ₹5 लाख तक, साथ ही स्टांप शुल्क और पंजीकरण शुल्क से छूट। 5 अगस्त 2026 को नन्निलम योजना की जगह शुरू।",
      "benefit_amount_hi": "ज़मीन की लागत का 50%, ₹5,00,000 तक + स्टांप शुल्क छूट",
      "last_verified": "2026-09-24",
      "ministry": "Adi Dravidar and Tribal Welfare Department (via TAHDCO), Government of Tamil Nadu",
      "launched": "5 August 2026 (replaced Nannilam)"
    },
    {
      "level": "state",
      "state": "Rajasthan",
      "slug": "indira-gandhi-matritva-poshan-yojana-rajasthan",
      "code": "SS-RJ-WMC-003",
      "name": "Indira Gandhi Matritva Poshan Yojana",
      "category": "women-child",
      "official_url": "https://rajshri.rajasthan.gov.in",
      "summary": "₹6,000 in four instalments to pregnant and lactating women in Rajasthan for the second child, tied to antenatal check-ups, institutional delivery and immunisation — support for nutrition and lost wages around childbirth.",
      "benefit_amount": "₹6,000 in 4 instalments",
      "name_hi": "इंदिरा गांधी मातृत्व पोषण योजना",
      "summary_hi": "राजस्थान में दूसरी संतान के लिए गर्भवती और स्तनपान कराने वाली महिलाओं को ₹6,000 चार किस्तों में, प्रसवपूर्व जांच, संस्थागत प्रसव और टीकाकरण से जुड़ा — प्रसव के आसपास पोषण और खोई मज़दूरी के लिए सहायता।",
      "benefit_amount_hi": "₹6,000 चार किस्तों में",
      "last_verified": "2026-09-24",
      "ministry": "Department of Women and Child Development, Government of Rajasthan"
    },
    {
      "level": "state",
      "state": "Rajasthan",
      "slug": "palanhar-yojana-rajasthan",
      "code": "SS-RJ-WMC-004",
      "name": "Palanhar Yojana",
      "category": "women-child",
      "official_url": "https://sje.rajasthan.gov.in",
      "summary": "Monthly support for orphaned, destitute or otherwise vulnerable children in Rajasthan — including those with an incarcerated, disabled or HIV-positive parent — paid to whoever (a relative or caregiver) is raising the child, plus an annual clothing grant.",
      "benefit_amount": "₹1,500/month (up to age 5); ₹2,500/month (age 6-18) + annual clothing grant",
      "name_hi": "पालनहार योजना",
      "summary_hi": "राजस्थान में अनाथ, निराश्रित या अन्यथा कमज़ोर बच्चों के लिए मासिक सहायता — जेल में बंद, दिव्यांग या HIV-पॉज़िटिव माता-पिता वाले बच्चे भी शामिल — जो भी (रिश्तेदार या देखभालकर्ता) बच्चे का पालन-पोषण कर रहा हो उसे भुगतान, साथ ही वार्षिक वस्त्र अनुदान।",
      "benefit_amount_hi": "₹1,500/माह (5 वर्ष तक); ₹2,500/माह (6-18 वर्ष) + वार्षिक वस्त्र अनुदान",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Justice and Empowerment, Government of Rajasthan"
    },
    {
      "level": "state",
      "state": "Rajasthan",
      "slug": "devnarayan-scooty-yojana-rajasthan",
      "code": "SS-RJ-EDU-004",
      "name": "Devnarayan Scooty Yojana",
      "category": "education-learning",
      "official_url": "https://hte.rajasthan.gov.in",
      "summary": "A free scooty for OBC girl students in Rajasthan who score 50% or more marks and continue into higher secondary or college — the OBC-specific counterpart to the Kalibai Bheel scheme for Scheduled Tribe girls.",
      "benefit_amount": "One free scooty",
      "name_hi": "देवनारायण स्कूटी योजना",
      "summary_hi": "राजस्थान की उन OBC छात्राओं के लिए मुफ्त स्कूटी जो 50% या अधिक अंक लाती हैं और उच्च माध्यमिक या कॉलेज में पढ़ाई जारी रखती हैं — अनुसूचित जनजाति छात्राओं के लिए कालीबाई भील योजना का OBC-विशिष्ट समकक्ष।",
      "benefit_amount_hi": "एक मुफ्त स्कूटी",
      "last_verified": "2026-09-24",
      "ministry": "Higher and Technical Education Department, Government of Rajasthan"
    },
    {
      "level": "state",
      "state": "Rajasthan",
      "slug": "rajasthan-vriddhavastha-samman-pension",
      "code": "SS-RJ-SWE-001",
      "name": "Mukhyamantri Vriddhavastha Samman Pension Yojana",
      "category": "social-welfare-empowerment",
      "official_url": "https://ssp.rajasthan.gov.in",
      "summary": "A monthly old-age pension for Rajasthan residents, with the amount rising once a beneficiary crosses 75 — recognising that costs and vulnerability both tend to increase with advancing age.",
      "benefit_amount": "₹750/month (age 55-74) / ₹1,000/month (age 75+)",
      "name_hi": "मुख्यमंत्री वृद्धावस्था सम्मान पेंशन योजना",
      "summary_hi": "राजस्थान के निवासियों के लिए मासिक वृद्धावस्था पेंशन, 75 वर्ष पार करने पर राशि बढ़ जाती है — यह मानते हुए कि बढ़ती उम्र के साथ लागत और असुरक्षा दोनों बढ़ते हैं।",
      "benefit_amount_hi": "₹750/माह (55-74 वर्ष) / ₹1,000/माह (75+ वर्ष)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Justice and Empowerment, Government of Rajasthan"
    },
    {
      "level": "state",
      "state": "Rajasthan",
      "slug": "indira-gandhi-smartphone-yojana-rajasthan",
      "code": "SS-RJ-WMC-005",
      "name": "Indira Gandhi Smartphone Yojana (Mukhyamantri Digital Seva Yojana)",
      "category": "women-child",
      "official_url": "https://ssp2.rajasthan.gov.in",
      "summary": "A free smartphone with 3 years of internet and calling data for women heads of Chiranjeevi households, government-school girls in Classes 9-12, and women in government colleges — aimed at about 1.35 crore women. Launched under the previous Congress government and continued, with some rebranding, under the current BJP government.",
      "benefit_amount": "Free smartphone + 3-year internet/calling data",
      "name_hi": "इंदिरा गांधी स्मार्टफोन योजना (मुख्यमंत्री डिजिटल सेवा योजना)",
      "summary_hi": "चिरंजीवी परिवारों की महिला मुखियाओं, सरकारी स्कूल की कक्षा 9-12 की छात्राओं, और सरकारी कॉलेजों की महिलाओं के लिए 3 साल के इंटरनेट व कॉलिंग डेटा के साथ मुफ्त स्मार्टफोन — लगभग 1.35 करोड़ महिलाओं तक। पिछली कांग्रेस सरकार में शुरू हुई और वर्तमान भाजपा सरकार में कुछ नाम बदलावों के साथ जारी।",
      "benefit_amount_hi": "मुफ्त स्मार्टफोन + 3 वर्ष इंटरनेट/कॉलिंग डेटा",
      "last_verified": "2026-09-24",
      "ministry": "Department of Information Technology and Communication, Government of Rajasthan",
      "launched": "2023, continued under current government"
    },
    {
      "level": "state",
      "state": "Rajasthan",
      "slug": "rajasthan-yuva-sambal-yojana",
      "code": "SS-RJ-SKL-001",
      "name": "Mukhyamantri Yuva Sambal Yojana",
      "category": "skills-employment",
      "official_url": "https://sso.rajasthan.gov.in",
      "summary": "A monthly unemployment allowance for educated, unemployed youth in Rajasthan registered with the Employment Exchange, paid for up to two years or until a job is found — whichever comes first. Relaunched in 2019 from an earlier Berojgari Bhatta scheme.",
      "benefit_amount": "₹4,500/month for up to 2 years",
      "name_hi": "मुख्यमंत्री युवा संबल योजना",
      "summary_hi": "रोजगार कार्यालय में पंजीकृत राजस्थान के शिक्षित, बेरोजगार युवाओं के लिए मासिक बेरोजगारी भत्ता, अधिकतम दो साल तक या नौकरी मिलने तक — जो भी पहले हो। 2019 में पहले की बेरोजगारी भत्ता योजना से दोबारा शुरू।",
      "benefit_amount_hi": "₹4,500/माह अधिकतम 2 वर्ष तक",
      "last_verified": "2026-09-24",
      "ministry": "Department of Skill, Employment and Entrepreneurship, Government of Rajasthan"
    },
    {
      "level": "state",
      "state": "Rajasthan",
      "slug": "mukhyamantri-nishulk-dawa-yojana-rajasthan",
      "code": "SS-RJ-HLT-002",
      "name": "Mukhyamantri Nishulk Dawa evam Janch Yojana",
      "category": "health-wellness",
      "official_url": "https://mnja.rajasthan.gov.in",
      "summary": "Free generic medicines and diagnostic tests at Rajasthan's government hospitals and health centres, run through the e-Aushadhi computerised drug-management system — one of India's longest-running state free-medicine schemes, benefiting tens of millions of patients since its 2011 launch.",
      "benefit_amount": "712 free medicines + 127 surgical items + free diagnostic tests (reported figures, confirm current list)",
      "name_hi": "मुख्यमंत्री निःशुल्क दवा एवं जांच योजना",
      "summary_hi": "राजस्थान के सरकारी अस्पतालों और स्वास्थ्य केंद्रों में मुफ्त जेनेरिक दवाइयां और जांच, ई-औषधि कम्प्यूटरीकृत दवा-प्रबंधन प्रणाली के ज़रिए संचालित — 2011 में शुरू होने के बाद से भारत की सबसे लंबे समय से चल रही राज्य मुफ्त-दवा योजनाओं में से एक, करोड़ों मरीज़ों को लाभ।",
      "benefit_amount_hi": "712 मुफ्त दवाइयां + 127 सर्जिकल सामान + मुफ्त जांच (रिपोर्ट किए गए आंकड़े, वर्तमान सूची की पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Medical, Health and Family Welfare, Government of Rajasthan",
      "launched": "October 2011"
    },
    {
      "level": "state",
      "state": "Rajasthan",
      "slug": "rajasthan-nishulk-uniform-yojana",
      "code": "SS-RJ-EDU-005",
      "name": "Rajasthan Nishulk Uniform Yojana",
      "category": "education-learning",
      "official_url": "https://education.rajasthan.gov.in",
      "summary": "Two sets of free school uniforms and a sweater each year for about 70 lakh students at Rajasthan government schools, removing one recurring cost that otherwise falls on families every academic year.",
      "benefit_amount": "2 uniform sets + 1 sweater/year, free",
      "name_hi": "राजस्थान निःशुल्क गणवेश योजना",
      "summary_hi": "राजस्थान के सरकारी स्कूलों के लगभग 70 लाख विद्यार्थियों को हर साल दो सेट मुफ्त स्कूल गणवेश और एक स्वेटर, एक आवर्ती लागत को हटाते हुए जो अन्यथा हर शैक्षणिक वर्ष परिवारों पर पड़ती है।",
      "benefit_amount_hi": "2 गणवेश सेट + 1 स्वेटर/वर्ष, मुफ्त",
      "last_verified": "2026-09-24",
      "ministry": "School Education Department, Government of Rajasthan"
    },
    {
      "level": "state",
      "state": "Rajasthan",
      "slug": "indira-gandhi-shahari-rozgar-guarantee-rajasthan",
      "code": "SS-RJ-SKL-002",
      "name": "Indira Gandhi Shahari Rozgar Guarantee Yojana",
      "category": "skills-employment",
      "official_url": "https://igsry.livelihoods.rajasthan.gov.in",
      "summary": "Rajasthan's urban counterpart to MGNREGA: any adult member of an eligible urban household can get 125 days of guaranteed paid work a year on local public projects, addressing the gap that MGNREGA's rural-only design left in towns and cities.",
      "benefit_amount": "125 days guaranteed paid work/year",
      "name_hi": "इंदिरा गांधी शहरी रोजगार गारंटी योजना",
      "summary_hi": "मनरेगा का राजस्थान का शहरी समकक्ष: किसी पात्र शहरी परिवार का कोई भी वयस्क सदस्य स्थानीय सार्वजनिक परियोजनाओं पर साल में 125 दिन गारंटीकृत सशुल्क कार्य पा सकता है, उस कमी को पूरा करते हुए जो मनरेगा के केवल-ग्रामीण ढांचे ने शहरों और कस्बों में छोड़ी थी।",
      "benefit_amount_hi": "125 दिन गारंटीकृत सशुल्क कार्य/वर्ष",
      "last_verified": "2026-09-24",
      "ministry": "Local Self Government Department, Government of Rajasthan"
    },
    {
      "level": "state",
      "state": "Rajasthan",
      "slug": "cm-kisan-mitra-urja-yojana-rajasthan",
      "code": "SS-RJ-AGR-001",
      "name": "Mukhyamantri Kisan Mitra Urja Yojana (MMKUY)",
      "category": "agriculture-rural-environment",
      "official_url": "https://energy.rajasthan.gov.in",
      "summary": "An electricity subsidy of up to ₹1,000 a month credited against a Rajasthan farmer's agricultural power bill, easing one of the recurring costs of running irrigation pumps and other farm equipment.",
      "benefit_amount": "Up to ₹1,000/month (₹12,000/year) electricity subsidy",
      "name_hi": "मुख्यमंत्री किसान मित्र ऊर्जा योजना (MMKUY)",
      "summary_hi": "राजस्थान के किसान के कृषि बिजली बिल के विरुद्ध ₹1,000 प्रति माह तक की सब्सिडी जमा, सिंचाई पंप और अन्य कृषि उपकरण चलाने की एक आवर्ती लागत को कम करते हुए।",
      "benefit_amount_hi": "₹1,000/माह तक (₹12,000/वर्ष) बिजली सब्सिडी",
      "last_verified": "2026-09-24",
      "ministry": "Energy Department, Government of Rajasthan"
    },
    {
      "level": "state",
      "state": "Rajasthan",
      "slug": "mukhyamantri-anuprati-coaching-yojana-rajasthan",
      "code": "SS-RJ-EDU-006",
      "name": "Mukhyamantri Anuprati Coaching Yojana",
      "category": "education-learning",
      "official_url": "https://sje.rajasthan.gov.in",
      "summary": "Free coaching for 30,000 Rajasthan students a year from SC, ST, OBC, MBC, minority and EWS backgrounds preparing for competitive exams — 12,000 seats reserved specifically for JEE and NEET — plus ₹40,000 a year to cover relocation, accommodation and food while attending coaching.",
      "benefit_amount": "Free coaching + ₹40,000/year living allowance",
      "name_hi": "मुख्यमंत्री अनुप्रति कोचिंग योजना",
      "summary_hi": "प्रतियोगी परीक्षाओं की तैयारी कर रहे SC, ST, OBC, MBC, अल्पसंख्यक और EWS पृष्ठभूमि के राजस्थान के 30,000 विद्यार्थियों को हर साल मुफ्त कोचिंग — विशेष रूप से JEE और NEET के लिए 12,000 सीटें आरक्षित — साथ ही कोचिंग के दौरान स्थानांतरण, आवास और भोजन के लिए सालाना ₹40,000।",
      "benefit_amount_hi": "मुफ्त कोचिंग + ₹40,000/वर्ष भरण-पोषण भत्ता",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Justice and Empowerment, Government of Rajasthan"
    },
    {
      "level": "state",
      "state": "Rajasthan",
      "slug": "mukhyamantri-kisan-sathi-yojana-rajasthan",
      "code": "SS-RJ-AGR-002",
      "name": "Mukhyamantri Kisan Sathi Yojana",
      "category": "agriculture-rural-environment",
      "official_url": "https://agriculture.rajasthan.gov.in",
      "summary": "Accident cover for Rajasthan's farmers: if a farmer dies in an accident, their family receives ₹5 lakh, with proportionate cover for disability — a safety net for a household's primary earner in an occupation with real physical risk.",
      "benefit_amount": "₹5,00,000 on accidental death (proportionate for disability)",
      "name_hi": "मुख्यमंत्री किसान साथी योजना",
      "summary_hi": "राजस्थान के किसानों के लिए दुर्घटना कवर: यदि किसी किसान की दुर्घटना में मृत्यु हो जाती है, तो उनके परिवार को ₹5 लाख मिलते हैं, दिव्यांगता के लिए आनुपातिक कवर के साथ — वास्तविक शारीरिक जोखिम वाले व्यवसाय में परिवार के मुख्य कमाने वाले के लिए एक सुरक्षा जाल।",
      "benefit_amount_hi": "दुर्घटनावश मृत्यु पर ₹5,00,000 (दिव्यांगता के लिए आनुपातिक)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture, Government of Rajasthan"
    },
    {
      "level": "state",
      "state": "Rajasthan",
      "slug": "rajasthan-bocw-nirman-shramik-welfare",
      "code": "SS-RJ-SKL-003",
      "name": "Rajasthan BOCW Nirman Shramik Kalyan Yojana",
      "category": "skills-employment",
      "official_url": "https://rajshabha.rajasthan.gov.in",
      "summary": "Registration with Rajasthan's Building & Other Construction Workers Welfare Board opens access to 15+ benefits for masons, labourers and other construction workers — a daughter's marriage grant, scholarships, accident and death insurance, and a pension — for an unorganised workforce that otherwise has almost no institutional safety net.",
      "benefit_amount": "Marriage grant ₹55,000 + scholarship ₹8,000-35,000 + death/accident insurance + pension",
      "name_hi": "राजस्थान BOCW निर्माण श्रमिक कल्याण योजना",
      "summary_hi": "राजस्थान भवन एवं अन्य सन्निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्री, मज़दूरों और अन्य निर्माण श्रमिकों के लिए 15+ लाभ खोलता है — बेटी की शादी अनुदान, छात्रवृत्ति, दुर्घटना व मृत्यु बीमा, और पेंशन — उस असंगठित कार्यबल के लिए जिसके पास अन्यथा लगभग कोई संस्थागत सुरक्षा जाल नहीं होता।",
      "benefit_amount_hi": "विवाह अनुदान ₹55,000 + छात्रवृत्ति ₹8,000-35,000 + मृत्यु/दुर्घटना बीमा + पेंशन",
      "last_verified": "2026-09-24",
      "ministry": "Rajasthan Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "gruha-jyothi-yojana-karnataka",
      "code": "SS-KA-UTL-001",
      "name": "Gruha Jyothi Yojana",
      "category": "utility-sanitation",
      "official_url": "https://sevasindhugs.karnataka.gov.in",
      "summary": "One of Karnataka's five 'guarantee' schemes: free electricity up to 200 units a month for registered household connections, calculated against the household's own average past usage plus a 10% margin. Over 1.7 crore families have registered since the scheme's July 2023 launch.",
      "benefit_amount": "Free electricity up to 200 units/month",
      "name_hi": "ಗೃಹ ಜ್ಯೋತಿ ಯೋಜನೆ (गृह ज्योति योजना)",
      "summary_hi": "कर्नाटक की पांच 'गारंटी' योजनाओं में से एक: पंजीकृत घरेलू कनेक्शनों के लिए 200 यूनिट तक मुफ्त बिजली प्रति माह, परिवार के अपने औसत पिछले उपयोग के आधार पर 10% अतिरिक्त के साथ गणना। जुलाई 2023 में योजना शुरू होने के बाद से 1.7 करोड़ से अधिक परिवार पंजीकृत हो चुके हैं।",
      "benefit_amount_hi": "200 यूनिट तक मुफ्त बिजली/माह",
      "last_verified": "2026-09-24",
      "ministry": "Energy Department, Government of Karnataka",
      "launched": "1 July 2023"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "shakti-yojane-karnataka",
      "code": "SS-KA-TRN-001",
      "name": "Shakti Yojane",
      "category": "transport-infrastructure",
      "official_url": "https://ksrtc.karnataka.gov.in",
      "summary": "Free travel for all women, girl students and transgender persons on ordinary, express and city buses run by Karnataka's state transport corporations (KSRTC, BMTC, NWKRTC, KKRTC) — not on luxury or AC services. No card or pass is needed; women can also travel up to 20 km into neighbouring states free of cost.",
      "benefit_amount": "Free travel on non-luxury, non-AC state buses",
      "name_hi": "ಶಕ್ತಿ ಯೋಜನೆ (शक्ति योजना)",
      "summary_hi": "कर्नाटक के राज्य परिवहन निगमों (KSRTC, BMTC, NWKRTC, KKRTC) द्वारा संचालित साधारण, एक्सप्रेस और शहरी बसों में सभी महिलाओं, छात्राओं और ट्रांसजेंडर व्यक्तियों के लिए मुफ्त यात्रा — लक्ज़री या AC सेवाओं में नहीं। कोई कार्ड या पास ज़रूरी नहीं; महिलाएं पड़ोसी राज्यों में 20 किमी तक भी मुफ्त यात्रा कर सकती हैं।",
      "benefit_amount_hi": "गैर-लक्ज़री, गैर-AC राज्य बसों में मुफ्त यात्रा",
      "last_verified": "2026-09-24",
      "ministry": "Transport Department, Government of Karnataka",
      "launched": "June 2023"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "yuva-nidhi-karnataka",
      "code": "SS-KA-SKL-001",
      "name": "Yuva Nidhi Scheme",
      "category": "skills-employment",
      "official_url": "https://sevasindhugs.karnataka.gov.in",
      "summary": "A time-limited unemployment allowance for Karnataka graduates and diploma holders from the 2022-23 batch who remain unemployed six months after finishing their course — ₹3,000/month for graduates, ₹1,500/month for diploma holders, aged 18-25.",
      "benefit_amount": "₹3,000/month (graduates) / ₹1,500/month (diploma holders)",
      "name_hi": "ಯುವ ನಿಧಿ ಯೋಜನೆ (युवा निधि योजना)",
      "summary_hi": "कर्नाटक के 2022-23 बैच के स्नातक और डिप्लोमा धारकों के लिए एक समय-सीमित बेरोजगारी भत्ता जो पाठ्यक्रम पूरा होने के छह महीने बाद भी बेरोजगार हैं — स्नातकों के लिए ₹3,000/माह, डिप्लोमा धारकों के लिए ₹1,500/माह, आयु 18-25।",
      "benefit_amount_hi": "₹3,000/माह (स्नातक) / ₹1,500/माह (डिप्लोमा धारक)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Skill Development, Entrepreneurship and Livelihood, Government of Karnataka"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "dr-ambedkar-vasati-yojana-karnataka",
      "code": "SS-KA-HSG-001",
      "name": "Dr. Ambedkar Vasati Yojana",
      "category": "housing-shelter",
      "official_url": "https://ambedkarhousing.karnataka.gov.in",
      "summary": "A house-construction grant of ₹1.5-3 lakh for SC and ST families in Karnataka who don't own a pucca house, with the amount scaled by whether the site is rural, urban or in a hilly/coastal area where construction costs more.",
      "benefit_amount": "₹1,50,000–₹3,00,000 for house construction",
      "name_hi": "ಡಾ. ಅಂಬೇಡ್ಕರ್ ವಸತಿ ಯೋಜನೆ (डॉ. अंबेडकर वसति योजना)",
      "summary_hi": "कर्नाटक के उन SC और ST परिवारों के लिए ₹1.5-3 लाख का मकान-निर्माण अनुदान जिनके पास पक्का मकान नहीं है, राशि इसके अनुसार तय होती है कि स्थल ग्रामीण, शहरी या पहाड़ी/तटीय क्षेत्र में है जहां निर्माण अधिक महंगा है।",
      "benefit_amount_hi": "मकान निर्माण के लिए ₹1,50,000–₹3,00,000",
      "last_verified": "2026-09-24",
      "ministry": "Karnataka State SC/ST Development Corporations"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "ashraya-yojana-karnataka",
      "code": "SS-KA-HSG-002",
      "name": "Ashraya Yojana (Rajiv Gandhi Rural Housing)",
      "category": "housing-shelter",
      "official_url": "https://ashraya.karnataka.gov.in",
      "summary": "A free pucca house — roughly 325 sq ft with two rooms — for BPL families across Karnataka, regardless of caste, run through the state's Rajiv Gandhi Rural Housing Corporation. It's the general-eligibility counterpart to caste-specific housing schemes like Dr. Ambedkar Vasati Yojana.",
      "benefit_amount": "Free pucca house (~325 sq ft, 2 rooms)",
      "name_hi": "ಆಶ್ರಯ ಯೋಜನೆ (आश्रय योजना, राजीव गांधी ग्रामीण आवास)",
      "summary_hi": "कर्नाटक भर के BPL परिवारों के लिए मुफ्त पक्का मकान — लगभग 325 वर्ग फुट, दो कमरे — जाति की परवाह किए बिना, राज्य के राजीव गांधी ग्रामीण आवास निगम के माध्यम से संचालित। यह डॉ. अंबेडकर वसति योजना जैसी जाति-विशिष्ट आवास योजनाओं का सामान्य-पात्रता समकक्ष है।",
      "benefit_amount_hi": "मुफ्त पक्का मकान (~325 वर्ग फुट, 2 कमरे)",
      "last_verified": "2026-09-24",
      "ministry": "Rajiv Gandhi Rural Housing Corporation, Government of Karnataka"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "bhagyalakshmi-scheme-karnataka",
      "code": "SS-KA-WMC-002",
      "name": "Bhagyalakshmi Scheme",
      "category": "women-child",
      "official_url": "https://dwcd.karnataka.gov.in",
      "summary": "A long-term savings scheme for up to two daughters of a BPL family in Karnataka: the government deposits a sum with LIC at the girl's birth, which matures into a lump sum — commonly reported around ₹1 lakh, though exact figures vary by source and birth-year cohort — payable at 18 for her education or marriage, alongside annual scholarships tied to school attendance and immunisation.",
      "benefit_amount": "~₹1,00,000 maturity at 18 (figures vary by cohort — verify with DWCD)",
      "name_hi": "ಭಾಗ್ಯಲಕ್ಷ್ಮಿ ಯೋಜನೆ (भाग्यलक्ष्मी योजना)",
      "summary_hi": "कर्नाटक के BPL परिवार की अधिकतम दो बेटियों के लिए दीर्घकालिक बचत योजना: सरकार बेटी के जन्म पर LIC के पास एक राशि जमा करती है, जो परिपक्व होकर एकमुश्त राशि बनती है — आमतौर पर लगभग ₹1 लाख बताई जाती है, हालांकि सटीक आंकड़े स्रोत और जन्म-वर्ष समूह के अनुसार भिन्न होते हैं — 18 वर्ष की आयु पर शिक्षा या विवाह के लिए देय, साथ ही स्कूल उपस्थिति और टीकाकरण से जुड़ी वार्षिक छात्रवृत्ति।",
      "benefit_amount_hi": "18 वर्ष पर ~₹1,00,000 परिपक्वता (आंकड़े समूह अनुसार भिन्न — DWCD से पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Women and Child Development, Government of Karnataka"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "mathrupoorna-yojana-karnataka",
      "code": "SS-KA-HLT-002",
      "name": "Mathrupoorna Yojana",
      "category": "health-wellness",
      "official_url": "https://dwcd.karnataka.gov.in",
      "summary": "One free, hot, nutritionally balanced meal a day at the Anganwadi centre for pregnant and lactating women in Karnataka, along with iron-folic acid tablets, eggs or milk, and a ₹5,000 cash incentive paid in three instalments tied to antenatal visits and delivery.",
      "benefit_amount": "Free daily hot meal + IFA + eggs/milk + ₹5,000 cash (3 instalments)",
      "name_hi": "ಮಾತೃಪೂರ್ಣ ಯೋಜನೆ (मातृपूर्णा योजना)",
      "summary_hi": "कर्नाटक की गर्भवती और स्तनपान कराने वाली महिलाओं के लिए आंगनवाड़ी केंद्र पर हर दिन एक मुफ्त, गर्म, पोषण से भरपूर भोजन, आयरन-फोलिक एसिड गोलियां, अंडे या दूध के साथ, और प्रसवपूर्व जांच व प्रसव से जुड़ी तीन किस्तों में ₹5,000 नकद प्रोत्साहन।",
      "benefit_amount_hi": "मुफ्त दैनिक गर्म भोजन + IFA + अंडे/दूध + ₹5,000 नकद (3 किस्तें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Women and Child Development, Government of Karnataka"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "karnataka-anila-bhagya-scheme",
      "code": "SS-KA-UTL-002",
      "name": "Anila Bhagya Scheme",
      "category": "utility-sanitation",
      "official_url": "https://ahara.karnataka.gov.in",
      "summary": "A free LPG connection, double-burner stove and two initial cylinder refills for BPL families in Karnataka who don't already have a gas connection — aimed at the same shift away from firewood and kerosene as the central Ujjwala scheme, for households Ujjwala's criteria don't reach.",
      "benefit_amount": "Free LPG connection + stove + 2 cylinder refills",
      "name_hi": "ಅನಿಲ ಭಾಗ್ಯ ಯೋಜನೆ (अनिल भाग्य योजना)",
      "summary_hi": "कर्नाटक के उन BPL परिवारों के लिए मुफ्त LPG कनेक्शन, डबल-बर्नर स्टोव और दो शुरुआती सिलेंडर रिफिल जिनके पास पहले से गैस कनेक्शन नहीं है — केंद्रीय उज्ज्वला योजना जैसा ही लकड़ी और मिट्टी के तेल से हटने का लक्ष्य, उन परिवारों के लिए जो उज्ज्वला के मानदंडों तक नहीं पहुंच पाते।",
      "benefit_amount_hi": "मुफ्त LPG कनेक्शन + स्टोव + 2 सिलेंडर रिफिल",
      "last_verified": "2026-09-24",
      "ministry": "Food, Civil Supplies and Consumer Affairs Department, Government of Karnataka"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "yeshasvini-health-insurance-karnataka",
      "code": "SS-KA-HLT-003",
      "name": "Yeshasvini Cooperative Health Insurance Scheme",
      "category": "health-wellness",
      "official_url": "https://yeshasvini.karnataka.gov.in",
      "summary": "India's first health insurance scheme for farmers run through cooperative societies: members of Karnataka's rural cooperatives pay a modest annual premium (around ₹500) for cashless surgical cover up to ₹5 lakh at over 1,500 network hospitals — a real alternative for cooperative-society members not covered elsewhere.",
      "benefit_amount": "₹5,00,000 cashless surgery cover, ~₹500/year premium",
      "name_hi": "ಯಶಸ್ವಿನಿ ಸಹಕಾರಿ ಆರೋಗ್ಯ ವಿಮಾ ಯೋಜನೆ (यशस्विनी सहकारी स्वास्थ्य बीमा योजना)",
      "summary_hi": "सहकारी समितियों के माध्यम से चलने वाली किसानों के लिए भारत की पहली स्वास्थ्य बीमा योजना: कर्नाटक की ग्रामीण सहकारी समितियों के सदस्य लगभग ₹500 वार्षिक प्रीमियम पर 1,500 से अधिक नेटवर्क अस्पतालों में ₹5 लाख तक का कैशलेस सर्जिकल कवर पाते हैं — सहकारी समिति सदस्यों के लिए एक वास्तविक विकल्प जो अन्यथा कवर नहीं होते।",
      "benefit_amount_hi": "₹5,00,000 कैशलेस सर्जरी कवर, ~₹500/वर्ष प्रीमियम",
      "last_verified": "2026-09-24",
      "ministry": "Yeshasvini Cooperative Farmers Health Care Trust, Government of Karnataka",
      "launched": "2003 — India's first cooperative health insurance"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "karnataka-epass-scholarship",
      "code": "SS-KA-EDU-001",
      "name": "Karnataka ePASS Scholarship",
      "category": "education-learning",
      "official_url": "https://ssp.postmatric.karnataka.gov.in",
      "summary": "Karnataka's integrated digital scholarship system for SC, ST, backward-class, minority and PWD students — a single portal covering tuition fee reimbursement, free hostel stays, and a maintenance allowance ranging from a few thousand rupees to several lakh a year depending on the course and category.",
      "benefit_amount": "Free hostel + tuition + ₹15,000–₹3,00,000/year, by course and category",
      "name_hi": "ಕರ್ನಾಟಕ ಇಪಾಸ್ ವಿದ್ಯಾರ್ಥಿವೇತನ (कर्नाटक ePASS छात्रवृत्ति)",
      "summary_hi": "SC, ST, पिछड़ा वर्ग, अल्पसंख्यक और दिव्यांग विद्यार्थियों के लिए कर्नाटक की एकीकृत डिजिटल छात्रवृत्ति प्रणाली — एक ही पोर्टल जो फीस प्रतिपूर्ति, मुफ्त छात्रावास, और पाठ्यक्रम व श्रेणी के अनुसार कुछ हज़ार से कई लाख रुपये तक का वार्षिक भरण-पोषण भत्ता कवर करता है।",
      "benefit_amount_hi": "मुफ्त छात्रावास + फीस + ₹15,000–₹3,00,000/वर्ष, पाठ्यक्रम व श्रेणी अनुसार",
      "last_verified": "2026-09-24",
      "ministry": "Backward Classes Welfare / SC-ST Welfare / Minorities Welfare Departments, Government of Karnataka"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "krishi-bhagya-yojana-karnataka",
      "code": "SS-KA-AGR-001",
      "name": "Krishi Bhagya Yojana",
      "category": "agriculture-rural-environment",
      "official_url": "https://raitamitra.karnataka.gov.in",
      "summary": "A heavy subsidy — 80-90% of the cost — for farmers in Karnataka's rain-fed areas to build farm ponds (₹70,000-80,000), polyhouses (up to ₹15 lakh/acre) and lift irrigation systems, aimed at helping farmers store and use rainwater efficiently rather than depending entirely on the monsoon's timing.",
      "benefit_amount": "80-90% subsidy on farm ponds, polyhouses, lift irrigation",
      "name_hi": "ಕೃಷಿ ಭಾಗ್ಯ ಯೋಜನೆ (कृषि भाग्य योजना)",
      "summary_hi": "कर्नाटक के वर्षा-आधारित क्षेत्रों के किसानों के लिए फार्म तालाब (₹70,000-80,000), पॉलीहाउस (₹15 लाख/एकड़ तक) और लिफ्ट सिंचाई प्रणाली बनाने के लिए भारी सब्सिडी — लागत का 80-90% — किसानों को पूरी तरह मानसून के समय पर निर्भर रहने के बजाय वर्षा जल को कुशलता से संग्रहीत और उपयोग करने में मदद करने के लिए।",
      "benefit_amount_hi": "फार्म तालाब, पॉलीहाउस, लिफ्ट सिंचाई पर 80-90% सब्सिडी",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture, Government of Karnataka"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "karnataka-raitha-suraksha-yojana",
      "code": "SS-KA-AGR-002",
      "name": "Karnataka Raitha Suraksha Yojana",
      "category": "agriculture-rural-environment",
      "official_url": "https://raitamitra.karnataka.gov.in",
      "summary": "Free accident insurance of ₹5 lakh for every registered farmer in Karnataka, with no premium to pay — a safety net specifically for the physical risks of farm work (machinery, electrocution, animal attacks) rather than crop loss or income.",
      "benefit_amount": "₹5,00,000 free accident insurance",
      "name_hi": "ಕರ್ನಾಟಕ ರೈತ ಸುರಕ್ಷಾ ಯೋಜನೆ (कर्नाटक रैत सुरक्षा योजना)",
      "summary_hi": "कर्नाटक के हर पंजीकृत किसान के लिए ₹5 लाख का मुफ्त दुर्घटना बीमा, कोई प्रीमियम नहीं — विशेष रूप से खेती के शारीरिक जोखिमों (मशीनरी, करंट, पशु हमला) के लिए एक सुरक्षा जाल, फसल हानि या आय के लिए नहीं।",
      "benefit_amount_hi": "₹5,00,000 मुफ्त दुर्घटना बीमा",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture, Government of Karnataka"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "karnataka-bocw-welfare-board",
      "code": "SS-KA-SKL-002",
      "name": "Karnataka Building & Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://kbocwwb.karnataka.gov.in",
      "summary": "Registration with Karnataka's construction workers' welfare board — reportedly covering around 60 lakh workers statewide — unlocks accident death cover, a maternity benefit, children's education support and a pension for masons, labourers and other construction workers, funded through a cess on building projects.",
      "benefit_amount": "₹3,00,000 accidental death + ₹25,000 maternity + education support + pension",
      "name_hi": "ಕರ್ನಾಟಕ ಕಟ್ಟಡ ಮತ್ತು ಇತರ ನಿರ್ಮಾಣ ಕಾರ್ಮಿಕರ ಕಲ್ಯಾಣ ಮಂಡಳಿ (कर्नाटक भवन एवं निर्माण श्रमिक कल्याण बोर्ड)",
      "summary_hi": "कर्नाटक के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण — जो राज्य भर में रिपोर्ट के अनुसार लगभग 60 लाख श्रमिकों को कवर करता है — राजमिस्त्री, मज़दूरों और अन्य निर्माण श्रमिकों के लिए दुर्घटना मृत्यु कवर, मातृत्व लाभ, बच्चों की शिक्षा सहायता और पेंशन खोलता है, भवन परियोजनाओं पर उपकर से वित्तपोषित।",
      "benefit_amount_hi": "₹3,00,000 दुर्घटनावश मृत्यु + ₹25,000 मातृत्व + शिक्षा सहायता + पेंशन",
      "last_verified": "2026-09-24",
      "ministry": "Karnataka Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Karnataka",
      "slug": "mukhyamantri-sandhya-suraksha-yojana-karnataka",
      "code": "SS-KA-SWE-003",
      "name": "Mukhyamantri Sandhya Suraksha Yojana",
      "category": "social-welfare-empowerment",
      "official_url": "https://sevasindhugs.karnataka.gov.in",
      "summary": "A monthly pension of ₹1,000 for elderly, unorganised-sector workers in Karnataka — farmers, weavers, small vendors and similar occupations — who don't have another adequate income source in old age, credited directly to the bank account.",
      "benefit_amount": "₹1,000/month",
      "name_hi": "ಮುಖ್ಯಮಂತ್ರಿ ಸಂಧ್ಯಾ ಸುರಕ್ಷಾ ಯೋಜನೆ (मुख्यमंत्री संध्या सुरक्षा योजना)",
      "summary_hi": "कर्नाटक के बुज़ुर्ग, असंगठित-क्षेत्र श्रमिकों — किसान, बुनकर, छोटे विक्रेता और इसी तरह के व्यवसाय — के लिए ₹1,000 मासिक पेंशन, जिनके पास वृद्धावस्था में कोई अन्य पर्याप्त आय स्रोत नहीं है, सीधे बैंक खाते में जमा।",
      "benefit_amount_hi": "₹1,000/माह",
      "last_verified": "2026-09-24",
      "ministry": "Department of Labour, Government of Karnataka"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "chiranjeevi-yojana-gujarat",
      "code": "SS-GJ-HLT-002",
      "name": "Chiranjeevi Yojana",
      "category": "health-wellness",
      "official_url": "https://gujhealth.gujarat.gov.in",
      "summary": "Launched in 2005, this is not a general health insurance scheme but a targeted public-private partnership: the state pays accredited private obstetricians a fixed fee to provide free skilled delivery care and emergency obstetric treatment to poor and tribal women, addressing Gujarat's severe shortage of public-sector obstetricians. Over a million women have delivered under the scheme, and it has been studied internationally as a model for maternal-mortality reduction.",
      "benefit_amount": "Free skilled delivery care + emergency obstetric care at partner private hospitals",
      "name_hi": "ચિરંજીવી યોજના (चिरंजीवी योजना)",
      "summary_hi": "2005 में शुरू हुई यह कोई सामान्य स्वास्थ्य बीमा योजना नहीं बल्कि एक लक्षित सार्वजनिक-निजी भागीदारी है: राज्य मान्यता प्राप्त निजी प्रसूति रोग विशेषज्ञों को गरीब और आदिवासी महिलाओं को मुफ्त कुशल प्रसव देखभाल और आपातकालीन प्रसूति उपचार देने के लिए एक निश्चित शुल्क चुकाता है, गुजरात में सार्वजनिक-क्षेत्र प्रसूति रोग विशेषज्ञों की गंभीर कमी को संबोधित करते हुए। इस योजना के तहत दस लाख से अधिक महिलाओं ने प्रसव कराया है, और इसे मातृ-मृत्यु दर कम करने के मॉडल के रूप में अंतरराष्ट्रीय स्तर पर अध्ययन किया गया है।",
      "benefit_amount_hi": "साझेदार निजी अस्पतालों में मुफ्त कुशल प्रसव देखभाल + आपातकालीन प्रसूति देखभाल",
      "last_verified": "2026-09-24",
      "ministry": "Health and Family Welfare Department, Government of Gujarat",
      "launched": "December 2005"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "gujarat-kisan-sahay-yojana",
      "code": "SS-GJ-AGR-001",
      "name": "Mukhyamantri Kisan Sahay Yojana",
      "category": "agriculture-rural-environment",
      "official_url": "https://ikhedut.gujarat.gov.in",
      "summary": "A premium-free crop-loss compensation scheme for Gujarat farmers: anyone who loses 33% or more of their Kharif crop to natural calamities gets ₹20,000 per hectare, rising to ₹25,000 per hectare for losses above 60%, with no enrolment fee or paperwork tied to buying insurance in advance.",
      "benefit_amount": "₹20,000/hectare (33-60% loss) or ₹25,000/hectare (60%+ loss)",
      "name_hi": "મુખ્યમંત્રી કિસાન સહાય યોજના (मुख्यमंत्री किसान सहाय योजना)",
      "summary_hi": "गुजरात के किसानों के लिए प्रीमियम-मुक्त फसल-हानि मुआवज़ा योजना: प्राकृतिक आपदाओं से अपनी 33% या उससे अधिक खरीफ फसल खोने वाले किसी भी किसान को ₹20,000 प्रति हेक्टेयर मिलते हैं, 60% से अधिक हानि पर ₹25,000 प्रति हेक्टेयर तक बढ़ते हुए, अग्रिम बीमा खरीदने से जुड़ा कोई नामांकन शुल्क या कागज़ी कार्रवाई नहीं।",
      "benefit_amount_hi": "₹20,000/हेक्टेयर (33-60% हानि) या ₹25,000/हेक्टेयर (60%+ हानि)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture, Government of Gujarat"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "kisan-suryoday-yojana-gujarat",
      "code": "SS-GJ-AGR-002",
      "name": "Kisan Suryoday Yojana",
      "category": "agriculture-rural-environment",
      "official_url": "https://ikhedut.gujarat.gov.in",
      "summary": "Farmers traditionally get grid power for irrigation at night, forcing them to work fields in the dark or leave pumps running unattended. Kisan Suryoday Yojana reroutes daytime three-phase electricity to agricultural feeders from 5 AM to 9 PM, so farmers can irrigate during normal working hours instead.",
      "benefit_amount": "Daytime 3-phase electricity for irrigation (5 AM–9 PM)",
      "name_hi": "કિસાન સૂર્યોદય યોજના (किसान सूर्योदय योजना)",
      "summary_hi": "किसानों को पारंपरिक रूप से सिंचाई के लिए रात में ग्रिड बिजली मिलती है, जिससे उन्हें अंधेरे में खेतों में काम करना पड़ता है या पंप बिना निगरानी के चालू छोड़ने पड़ते हैं। किसान सूर्योदय योजना कृषि फीडरों पर सुबह 5 बजे से रात 9 बजे तक दिन के समय तीन-फेज़ बिजली भेजती है, ताकि किसान सामान्य कामकाजी घंटों में सिंचाई कर सकें।",
      "benefit_amount_hi": "सिंचाई के लिए दिन में तीन-फेज़ बिजली (सुबह 5 - रात 9 बजे)",
      "last_verified": "2026-09-24",
      "ministry": "Energy and Petrochemicals Department, Government of Gujarat"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "gujarat-ikhedut-portal",
      "code": "SS-GJ-AGR-003",
      "name": "iKhedut Portal (Farm Equipment & Irrigation Subsidy)",
      "category": "agriculture-rural-environment",
      "official_url": "https://ikhedut.gujarat.gov.in",
      "summary": "Gujarat's single online gateway for over 60 agriculture-related subsidy schemes — tractors, drip and sprinkler irrigation, solar pumps, seeds, polyhouses and more — with subsidies typically running 25-75% of cost depending on the item and the farmer's category, rather than requiring a separate application process for each subsidy line.",
      "benefit_amount": "25-75% subsidy on farm equipment, seeds, irrigation (60+ schemes via one portal)",
      "name_hi": "આઇ-ખેડૂત પોર્ટલ (iKhedut पोर्टल, कृषि उपकरण एवं सिंचाई सब्सिडी)",
      "summary_hi": "ट्रैक्टर, ड्रिप एवं स्प्रिंकलर सिंचाई, सोलर पंप, बीज, पॉलीहाउस और अधिक के लिए 60 से अधिक कृषि-संबंधी सब्सिडी योजनाओं का गुजरात का एकल ऑनलाइन प्रवेश द्वार — वस्तु और किसान की श्रेणी के अनुसार आमतौर पर लागत का 25-75% सब्सिडी, हर सब्सिडी लाइन के लिए अलग आवेदन प्रक्रिया के बजाय।",
      "benefit_amount_hi": "कृषि उपकरण, बीज, सिंचाई पर 25-75% सब्सिडी (एक पोर्टल से 60+ योजनाएं)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture, Farmers Welfare and Co-operation, Government of Gujarat"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "namo-saraswati-vigyan-sadhana-gujarat",
      "code": "SS-GJ-EDU-002",
      "name": "Namo Saraswati Vigyan Sadhana Yojana",
      "category": "education-learning",
      "official_url": "https://digitalgujarat.gov.in",
      "summary": "A ₹10,000 grant for girl students in Gujarat who choose the Science stream in Class 11 — aimed directly at the point where many girls drift away from science and into arts or commerce, often over the cost of lab fees and study material rather than interest or aptitude.",
      "benefit_amount": "₹10,000 for girls opting Science in Class 11",
      "name_hi": "નમો સરસ્વતી વિજ્ઞાન સાધના યોજના (नमो सरस्वती विज्ञान साधना योजना)",
      "summary_hi": "गुजरात की उन छात्राओं के लिए ₹10,000 का अनुदान जो कक्षा 11 में विज्ञान विषय चुनती हैं — ठीक उस बिंदु को लक्षित करते हुए जहां कई लड़कियां रुचि या योग्यता के बजाय अक्सर लैब शुल्क और अध्ययन सामग्री की लागत के कारण विज्ञान से हटकर कला या वाणिज्य की ओर चली जाती हैं।",
      "benefit_amount_hi": "कक्षा 11 में विज्ञान चुनने वाली छात्राओं के लिए ₹10,000",
      "last_verified": "2026-09-24",
      "ministry": "Education Department, Government of Gujarat"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "mukhyamantri-matru-shakti-yojana-gujarat",
      "code": "SS-GJ-WMC-002",
      "name": "Mukhyamantri Matru Shakti Yojana",
      "category": "women-child",
      "official_url": "https://wcd.gujarat.gov.in",
      "summary": "A free nutrition kit worth ₹2,000 — dal, chana, oil and similar staples — for pregnant and lactating women in Gujarat, distributed monthly through Anganwadi centres to address the specific nutritional gaps that show up around pregnancy and early motherhood.",
      "benefit_amount": "Free monthly nutrition kit worth ₹2,000",
      "name_hi": "મુખ્યમંત્રી માતૃ શક્તિ યોજના (मुख्यमंत्री मातृ शक्ति योजना)",
      "summary_hi": "गुजरात की गर्भवती और स्तनपान कराने वाली महिलाओं के लिए ₹2,000 मूल्य की मुफ्त पोषण किट — दाल, चना, तेल और इसी तरह के मुख्य खाद्य पदार्थ — आंगनवाड़ी केंद्रों के माध्यम से मासिक वितरित, गर्भावस्था और शुरुआती मातृत्व के आसपास दिखने वाली विशिष्ट पोषण कमियों को संबोधित करने के लिए।",
      "benefit_amount_hi": "₹2,000 मूल्य की मुफ्त मासिक पोषण किट",
      "last_verified": "2026-09-24",
      "ministry": "Women and Child Development Department, Government of Gujarat"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "namo-laxmi-yojana-gujarat",
      "code": "SS-GJ-EDU-003",
      "name": "Namo Laxmi Yojana",
      "category": "education-learning",
      "official_url": "https://digitalgujarat.gov.in",
      "summary": "Launched in the 2024-25 budget, this pays every girl student in a Gujarat government or government-aided school ₹50,000 across Classes 9 to 12 — ₹10,000 a year in Classes 9-10, rising to ₹15,000 a year in Classes 11-12 — aimed squarely at the point where girls from low-income families are most likely to drop out. Over 10 lakh girls benefit each year, and schools enrol eligible students directly, so there's no separate application to file.",
      "benefit_amount": "₹50,000 total over 4 years — ₹10,000/year (Class 9-10) + ₹15,000/year (Class 11-12)",
      "name_hi": "નમો લક્ષ્મી યોજના (नमो लक्ष्मी योजना)",
      "summary_hi": "2024-25 के बजट में शुरू हुई यह योजना गुजरात के सरकारी या सरकारी-सहायता प्राप्त स्कूल की हर छात्रा को कक्षा 9 से 12 तक ₹50,000 देती है — कक्षा 9-10 में ₹10,000 प्रति वर्ष, कक्षा 11-12 में बढ़कर ₹15,000 प्रति वर्ष — ठीक उस बिंदु को लक्षित करते हुए जहां कम आय वाले परिवारों की लड़कियों के पढ़ाई छोड़ने की सबसे अधिक संभावना होती है। हर साल 10 लाख से अधिक लड़कियों को लाभ मिलता है, और स्कूल पात्र छात्राओं को सीधे नामांकित करते हैं, इसलिए कोई अलग आवेदन दाखिल करने की ज़रूरत नहीं।",
      "benefit_amount_hi": "4 वर्षों में कुल ₹50,000 — ₹10,000/वर्ष (कक्षा 9-10) + ₹15,000/वर्ष (कक्षा 11-12)",
      "last_verified": "2026-09-24",
      "ministry": "Education Department, Government of Gujarat",
      "launched": "2024-25 budget"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "namo-e-tablet-yojana-gujarat",
      "code": "SS-GJ-EDU-004",
      "name": "NAMO E-Tablet Yojana",
      "category": "education-learning",
      "official_url": "https://digitalgujarat.gov.in",
      "summary": "Rather than a free giveaway, Gujarat's tablet scheme sells a branded (Acer or Lenovo) tablet worth ₹8,000-12,000 in the open market to eligible college students for just ₹1,000, with the state subsidising the rest — reaching about 20 lakh students and putting a genuine digital-learning device within reach of families who couldn't justify the full market price.",
      "benefit_amount": "Branded tablet (Acer/Lenovo) for ₹1,000 (market value ₹8,000-12,000)",
      "name_hi": "નમો ઈ-ટેબ્લેટ યોજના (नमो ई-टैबलेट योजना)",
      "summary_hi": "मुफ्त उपहार के बजाय, गुजरात की टैबलेट योजना खुले बाज़ार में ₹8,000-12,000 मूल्य का ब्रांडेड (Acer या Lenovo) टैबलेट पात्र कॉलेज विद्यार्थियों को सिर्फ ₹1,000 में बेचती है, राज्य बाकी सब्सिडी देता है — लगभग 20 लाख विद्यार्थियों तक पहुंचती है और उन परिवारों की पहुंच में एक वास्तविक डिजिटल-शिक्षण उपकरण लाती है जो पूरी बाज़ार कीमत उचित नहीं ठहरा पाते।",
      "benefit_amount_hi": "ब्रांडेड टैबलेट (Acer/Lenovo) ₹1,000 में (बाज़ार मूल्य ₹8,000-12,000)",
      "last_verified": "2026-09-24",
      "ministry": "Higher and Technical Education Department, Government of Gujarat"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "mukhyamantri-yuva-swavalamban-yojana-gujarat",
      "code": "SS-GJ-EDU-005",
      "name": "Mukhyamantri Yuva Swavalamban Yojana (MYSY)",
      "category": "education-learning",
      "official_url": "https://mysy.guj.nic.in",
      "summary": "A combined fee-waiver and scholarship scheme for meritorious Gujarat students from economically weaker backgrounds pursuing higher or professional education — covering tuition up to ₹2 lakh a year, plus a monthly allowance for hostel or living costs, so genuine merit isn't blocked by an inability to pay.",
      "benefit_amount": "Fee waiver up to ₹2,00,000/year + ₹1,200/month maintenance allowance",
      "name_hi": "મુખ્યમંત્રી યુવા સ્વાવલંબન યોજના (मुख्यमंत्री युवा स्वावलंबन योजना, MYSY)",
      "summary_hi": "आर्थिक रूप से कमज़ोर पृष्ठभूमि से उच्च या व्यावसायिक शिक्षा प्राप्त कर रहे गुजरात के मेधावी विद्यार्थियों के लिए संयुक्त फीस-माफी एवं छात्रवृत्ति योजना — ₹2 लाख प्रति वर्ष तक ट्यूशन कवर करती है, साथ ही छात्रावास या जीवन-यापन लागत के लिए मासिक भत्ता, ताकि वास्तविक योग्यता भुगतान न कर पाने के कारण न रुके।",
      "benefit_amount_hi": "₹2,00,000/वर्ष तक फीस माफी + ₹1,200/माह भरण-पोषण भत्ता",
      "last_verified": "2026-09-24",
      "ministry": "Education Department, Government of Gujarat"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "digital-gujarat-scholarship-portal",
      "code": "SS-GJ-EDU-006",
      "name": "Digital Gujarat Scholarship Portal",
      "category": "education-learning",
      "official_url": "https://digitalgujarat.gov.in",
      "summary": "A single digital front door to more than 25 Gujarat scholarship schemes for SC, ST, OBC, NT-DNT (nomadic and de-notified tribes) and minority students — Pre-Matric and Post-Matric support, tuition-fee reimbursement, and maintenance allowances — rather than navigating a separate portal and process for each category and welfare department.",
      "benefit_amount": "Full tuition + ₹500-1,200/month maintenance, by scheme and category",
      "name_hi": "ડિજિટલ ગુજરાત સ્કોલરશિપ પોર્ટલ (डिजिटल गुजरात छात्रवृत्ति पोर्टल)",
      "summary_hi": "SC, ST, OBC, NT-DNT (घुमंतू एवं विमुक्त जनजातियां) और अल्पसंख्यक विद्यार्थियों के लिए 25 से अधिक गुजरात छात्रवृत्ति योजनाओं का एकल डिजिटल प्रवेश द्वार — प्री-मैट्रिक और पोस्ट-मैट्रिक सहायता, फीस प्रतिपूर्ति, और भरण-पोषण भत्ता — हर श्रेणी और कल्याण विभाग के लिए अलग पोर्टल और प्रक्रिया से गुज़रने के बजाय।",
      "benefit_amount_hi": "पूरी फीस + ₹500-1,200/माह भरण-पोषण, योजना एवं श्रेणी अनुसार",
      "last_verified": "2026-09-24",
      "ministry": "Social Justice and Empowerment / Tribal Development / Minorities Welfare Departments, Government of Gujarat"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "manav-garima-yojana-gujarat",
      "code": "SS-GJ-BIZ-001",
      "name": "Manav Garima Yojana",
      "category": "business-entrepreneurship",
      "official_url": "https://e-samajkalyan.gujarat.gov.in",
      "summary": "A free toolkit worth ₹4,000 for SC families in Gujarat to start a self-employment trade — tailoring, carpentry, plumbing, beauty services and similar occupations — recognising that for many traditional trades, the barrier to earning isn't skill but the cost of basic tools.",
      "benefit_amount": "Free toolkit worth ₹4,000",
      "name_hi": "માનવ ગરિમા યોજના (मानव गरिमा योजना)",
      "summary_hi": "गुजरात के SC परिवारों के लिए स्वरोजगार व्यापार — सिलाई, बढ़ईगीरी, प्लंबिंग, ब्यूटी सेवाएं और इसी तरह के व्यवसाय — शुरू करने के लिए ₹4,000 मूल्य की मुफ्त टूलकिट, यह मानते हुए कि कई पारंपरिक व्यापारों के लिए कमाई की बाधा कौशल नहीं बल्कि बुनियादी औज़ारों की लागत है।",
      "benefit_amount_hi": "₹4,000 मूल्य की मुफ्त टूलकिट",
      "last_verified": "2026-09-24",
      "ministry": "Directorate of Development of Castes, Government of Gujarat"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "gujarat-kuvarbainu-mameru",
      "code": "SS-GJ-WMC-003",
      "name": "Kuvarbainu Mameru Yojana",
      "category": "women-child",
      "official_url": "https://e-samajkalyan.gujarat.gov.in",
      "summary": "A traditional maternal-uncle wedding gift (mameru), reimagined as a state benefit: ₹10,000 in cash or household articles for the marriage of a Scheduled Tribe girl in Gujarat, aimed at easing the wedding costs that fall hardest on tribal families.",
      "benefit_amount": "₹10,000 in household articles/cash",
      "name_hi": "કુંવરબાઈનું મામેરું યોજના (कुंवरबाईनुं मामेरुं योजना)",
      "summary_hi": "मामा की पारंपरिक विवाह भेंट (मामेरुं) को राज्य लाभ के रूप में फिर से गढ़ा गया: गुजरात की अनुसूचित जनजाति की बेटी की शादी के लिए ₹10,000 नकद या घरेलू सामान के रूप में, विवाह की उन लागतों को कम करने के लिए जो आदिवासी परिवारों पर सबसे भारी पड़ती हैं।",
      "benefit_amount_hi": "₹10,000 घरेलू सामान/नकद के रूप में",
      "last_verified": "2026-09-24",
      "ministry": "Directorate of Tribal Development, Government of Gujarat"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "gujarat-bocw-welfare-board",
      "code": "SS-GJ-SKL-001",
      "name": "Gujarat Building & Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://labour.gujarat.gov.in",
      "summary": "Registration with Gujarat's construction workers' welfare board gives masons, labourers and other construction workers access to ₹2 lakh accident insurance and a ₹1,000 monthly pension from age 60, funded through a cess on building projects statewide — alongside a newer Shramik Basera portal (₹1,500 crore allocated) letting registered workers apply for temporary housing near work sites.",
      "benefit_amount": "₹2,00,000 accident insurance + ₹1,000/month pension (60+)",
      "name_hi": "ગુજરાત મકાન અને અન્ય બાંધકામ કામદાર કલ્યાણ બોર્ડ (गुजरात भवन एवं निर्माण श्रमिक कल्याण बोर्ड)",
      "summary_hi": "गुजरात के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों को ₹2 लाख दुर्घटना बीमा और 60 वर्ष की आयु से ₹1,000 मासिक पेंशन तक पहुंच देता है, राज्य भर की भवन परियोजनाओं पर उपकर से वित्तपोषित — साथ ही एक नया श्रमिक बसेरा पोर्टल (₹1,500 करोड़ आवंटित) जो पंजीकृत श्रमिकों को कार्यस्थल के पास अस्थायी आवास के लिए आवेदन करने देता है।",
      "benefit_amount_hi": "₹2,00,000 दुर्घटना बीमा + ₹1,000/माह पेंशन (60+)",
      "last_verified": "2026-09-24",
      "ministry": "Gujarat Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Gujarat",
      "slug": "mukhyamantri-gruh-yojana-gujarat",
      "code": "SS-GJ-HSG-001",
      "name": "Mukhyamantri Gruh Yojana (Gujarat Rural Urban Housing)",
      "category": "housing-shelter",
      "official_url": "https://gruh.gujarat.gov.in",
      "summary": "An affordable-housing scheme for EWS, LIG and MIG families in Gujarat's fast-urbanising cities, converging with the central PM Awas Yojana subsidy — up to ₹2.67 lakh for EWS buyers and ₹2.35 lakh for LIG buyers — while requiring a modest down payment (₹50,000 for EWS, ₹1 lakh for LIG) so the scheme builds toward ownership rather than being a pure handout.",
      "benefit_amount": "₹2,67,000 (EWS) / ₹2,35,000 (LIG) housing subsidy",
      "name_hi": "મુખ્યમંત્રી ગૃહ યોજના (मुख्यमंत्री गृह योजना, गुजरात ग्रामीण-शहरी आवास)",
      "summary_hi": "गुजरात के तेज़ी से शहरीकरण हो रहे शहरों में EWS, LIG और MIG परिवारों के लिए किफायती आवास योजना, केंद्रीय PM आवास योजना सब्सिडी के साथ मिलकर — EWS खरीदारों के लिए ₹2.67 लाख तक और LIG खरीदारों के लिए ₹2.35 लाख — साथ ही मामूली डाउन पेमेंट (EWS के लिए ₹50,000, LIG के लिए ₹1 लाख) की आवश्यकता, ताकि योजना शुद्ध सहायता के बजाय स्वामित्व की ओर बढ़े।",
      "benefit_amount_hi": "₹2,67,000 (EWS) / ₹2,35,000 (LIG) आवास सब्सिडी",
      "last_verified": "2026-09-24",
      "ministry": "Urban Development and Urban Housing Department, Government of Gujarat"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "annadata-sukhibhava-ap",
      "code": "SS-AP-AGR-001",
      "name": "Annadata Sukhibhava (formerly YSR Rythu Bharosa)",
      "category": "agriculture-rural-environment",
      "official_url": "https://annadathasukhibhavam.ap.gov.in",
      "summary": "₹20,000 a year in direct income support for every eligible farmer family in Andhra Pradesh — ₹13,500 from the state on top of the ₹6,000 already coming from central PM-KISAN — paid in two instalments across the Kharif and Rabi seasons. Renamed from YSR Rythu Bharosa by the TDP-led government in 2024; over 51 lakh farmer families benefit.",
      "benefit_amount": "₹20,000/year total (₹13,500 state + ₹6,000 PM-KISAN)",
      "name_hi": "అన్నదాత సుఖీభవ (अन्नदाता सुखीभव, पूर्व नाम: YSR रैतु भरोसा)",
      "summary_hi": "आंध्र प्रदेश के हर पात्र किसान परिवार के लिए साल में ₹20,000 की प्रत्यक्ष आय सहायता — केंद्रीय PM-KISAN से पहले से मिल रहे ₹6,000 के ऊपर राज्य से ₹13,500 — खरीफ और रबी सीज़न में दो किस्तों में भुगतान। 2024 में TDP-नेतृत्व वाली सरकार द्वारा YSR रैतु भरोसा से नाम बदला गया; 51 लाख से अधिक किसान परिवारों को लाभ।",
      "benefit_amount_hi": "कुल ₹20,000/वर्ष (₹13,500 राज्य + ₹6,000 PM-KISAN)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture, Government of Andhra Pradesh"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "dr-ntr-vaidya-seva",
      "code": "SS-AP-HLT-002",
      "name": "Dr. NTR Vaidya Seva (formerly YSR Aarogyasri)",
      "category": "health-wellness",
      "official_url": "https://vaidyaseva.ap.gov.in",
      "summary": "Cashless treatment for listed procedures at empanelled government and private hospitals, converging with the central PM-JAY scheme. Renamed from YSR Aarogyasri by the current government; reported coverage figures vary by source between ₹5 lakh and ₹25 lakh, so confirm the exact cap for your family's card on the official portal.",
      "benefit_amount": "Cashless treatment, ₹5L–₹25L reported cap (verify current figure)",
      "name_hi": "డాక్టర్ NTR వైద్య సేవ (डॉ. NTR वैद्य सेवा, पूर्व नाम: YSR आरोग्यश्री)",
      "summary_hi": "सूचीबद्ध सरकारी और निजी अस्पतालों में सूचीबद्ध प्रक्रियाओं के लिए कैशलेस इलाज, केंद्रीय PM-JAY योजना के साथ अभिसरण में। वर्तमान सरकार द्वारा YSR आरोग्यश्री से नाम बदला गया; रिपोर्ट की गई कवरेज राशि स्रोतों में ₹5 लाख से ₹25 लाख के बीच भिन्न है, इसलिए अपने परिवार के कार्ड की सटीक सीमा आधिकारिक पोर्टल पर पुष्टि करें।",
      "benefit_amount_hi": "कैशलेस इलाज, ₹5L–₹25L रिपोर्ट सीमा (वर्तमान आंकड़ा पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Health, Medical & Family Welfare, Government of Andhra Pradesh"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "deepam-2-ap",
      "code": "SS-AP-UTL-001",
      "name": "Deepam 2.0 (Free LPG Cylinders)",
      "category": "utility-sanitation",
      "official_url": "https://ap.gov.in",
      "summary": "Three free domestic LPG cylinder refills a year for women-headed households in Andhra Pradesh, one of the Super Six election guarantees, reaching an estimated 90 lakh households and credited directly via DBT to the connection holder's bank account.",
      "benefit_amount": "3 free LPG cylinder refills/year",
      "name_hi": "దీపం 2.0 (दीपम 2.0, मुफ्त LPG सिलेंडर)",
      "summary_hi": "आंध्र प्रदेश के महिला-मुखिया परिवारों के लिए साल में तीन मुफ्त घरेलू LPG सिलेंडर रिफिल, सुपर सिक्स चुनावी गारंटी में से एक, अनुमानित 90 लाख परिवारों तक पहुंचती है और कनेक्शन धारक के बैंक खाते में सीधे DBT से जमा।",
      "benefit_amount_hi": "साल में 3 मुफ्त LPG सिलेंडर रिफिल",
      "last_verified": "2026-09-24",
      "ministry": "Civil Supplies Department, Government of Andhra Pradesh"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "ap-free-bus-travel-women",
      "code": "SS-AP-TRN-001",
      "name": "Free Bus Travel for Women (APSRTC)",
      "category": "transport-infrastructure",
      "official_url": "https://apsrtconline.in",
      "summary": "Free travel for all women on APSRTC buses across Andhra Pradesh, launched on 15 August 2025 as one of the Super Six guarantees — no card or registration needed, simply board and travel.",
      "benefit_amount": "Free travel on APSRTC buses",
      "name_hi": "మహిళలకు ఉచిత బస్సు ప్రయాణం (महिलाओं के लिए मुफ्त बस यात्रा, APSRTC)",
      "summary_hi": "आंध्र प्रदेश भर में APSRTC बसों में सभी महिलाओं के लिए मुफ्त यात्रा, 15 अगस्त 2025 को सुपर सिक्स गारंटियों में से एक के रूप में शुरू — कोई कार्ड या पंजीकरण ज़रूरी नहीं, बस चढ़ें और यात्रा करें।",
      "benefit_amount_hi": "APSRTC बसों में मुफ्त यात्रा",
      "last_verified": "2026-09-24",
      "ministry": "APSRTC / Transport Department, Government of Andhra Pradesh",
      "launched": "15 August 2025"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "ap-post-matric-scholarship",
      "code": "SS-AP-EDU-003",
      "name": "AP Post-Matric Scholarship (Fee & Hostel Reimbursement)",
      "category": "education-learning",
      "official_url": "https://jnanabhumi.ap.gov.in",
      "summary": "Full tuition-fee reimbursement paid directly to the college, plus a separate hostel/mess allowance of ₹10,000-20,000 a year depending on course level, for SC, ST, BC, EBC, Kapu, Minority and EWS students in Andhra Pradesh pursuing ITI, polytechnic, degree or professional courses. Long referred to as Jagananna Vidya Deevena and Vasathi Deevena, and run through the Jnanabhumi portal.",
      "benefit_amount": "Full tuition fee + ₹10,000–₹20,000/year hostel allowance",
      "name_hi": "ఏపీ పోస్ట్-మ్యాట్రిక్ స్కాలర్‌షిప్ (एपी पोस्ट-मैट्रिक छात्रवृत्ति, फीस एवं छात्रावास प्रतिपूर्ति)",
      "summary_hi": "आंध्र प्रदेश में ITI, पॉलिटेक्निक, डिग्री या व्यावसायिक पाठ्यक्रम कर रहे SC, ST, BC, EBC, कापू, अल्पसंख्यक और EWS विद्यार्थियों के लिए सीधे कॉलेज को भुगतान की जाने वाली पूरी ट्यूशन फीस प्रतिपूर्ति, साथ ही पाठ्यक्रम स्तर के अनुसार ₹10,000-20,000 प्रति वर्ष का अलग छात्रावास/मेस भत्ता। लंबे समय से जगनन्ना विद्या दीवेना और वसती दीवेना के नाम से जाना जाता है, ज्ञानभूमि पोर्टल से संचालित।",
      "benefit_amount_hi": "पूरी ट्यूशन फीस + ₹10,000–₹20,000/वर्ष छात्रावास भत्ता",
      "last_verified": "2026-09-24",
      "ministry": "Social Welfare / BC Welfare / Minorities Welfare Departments, Government of Andhra Pradesh"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "nadu-nedu-ap",
      "code": "SS-AP-EDU-004",
      "name": "Nadu-Nedu (School Infrastructure Programme)",
      "category": "education-learning",
      "official_url": "https://naadunedu.ap.gov.in",
      "summary": "A large-scale renovation of government schools across Andhra Pradesh — English-medium instruction, furniture, toilets, drinking water, electricity, smart classrooms and boundary walls — launched in 2019 and continued unchanged by the current government across more than 45,000 schools, reaching 40 lakh+ students.",
      "benefit_amount": "School infrastructure upgrade — no individual application",
      "name_hi": "నాడు-నేడు (नाडु-नेडु, स्कूल बुनियादी ढांचा कार्यक्रम)",
      "summary_hi": "आंध्र प्रदेश भर के सरकारी स्कूलों का बड़े पैमाने पर नवीनीकरण — अंग्रेज़ी-माध्यम शिक्षण, फर्नीचर, शौचालय, पेयजल, बिजली, स्मार्ट कक्षाएं और सीमा दीवारें — 2019 में शुरू और वर्तमान सरकार द्वारा 45,000 से अधिक स्कूलों में बिना बदलाव जारी, 40 लाख+ विद्यार्थियों तक पहुंचती है।",
      "benefit_amount_hi": "स्कूल बुनियादी ढांचा उन्नयन — कोई व्यक्तिगत आवेदन नहीं",
      "last_verified": "2026-09-24",
      "ministry": "School Education Department, Government of Andhra Pradesh"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "divyang-shakti-scheme-ap",
      "code": "SS-AP-SWE-002",
      "name": "Divyang Shakti Scheme",
      "category": "social-welfare-empowerment",
      "official_url": "https://apsrtconline.in",
      "summary": "Free travel on all APSRTC buses for anyone with a disability certificate of 40% or more, with their accompanying helper travelling at a 50% fare discount — launched in 2026 and aimed at over 12.76 lakh persons with disabilities and their caregivers across Andhra Pradesh.",
      "benefit_amount": "Free APSRTC bus travel (40%+ disability) + 50% fare for helper",
      "name_hi": "దివ్యాంగ శక్తి పథకం (दिव्यांग शक्ति योजना)",
      "summary_hi": "40% या उससे अधिक दिव्यांगता प्रमाण पत्र वाले किसी भी व्यक्ति के लिए सभी APSRTC बसों में मुफ्त यात्रा, साथ आने वाले सहायक के लिए 50% किराए की छूट — 2026 में शुरू और आंध्र प्रदेश भर के 12.76 लाख से अधिक दिव्यांग व्यक्तियों और उनके देखभालकर्ताओं को लक्षित।",
      "benefit_amount_hi": "मुफ्त APSRTC बस यात्रा (40%+ दिव्यांगता) + सहायक के लिए 50% किराया",
      "last_verified": "2026-09-24",
      "ministry": "APSRTC / Department of Women, Children, Disabled and Senior Citizens Welfare, Government of Andhra Pradesh",
      "launched": "2026 (Ugadi)"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "ap-bocw-welfare-board",
      "code": "SS-AP-SKL-001",
      "name": "AP Building & Other Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://apbocwwb.ap.gov.in",
      "summary": "Registration with Andhra Pradesh's construction workers' welfare board — reportedly one of the more generous such boards in the country — gives masons, labourers and other construction workers access to ₹5 lakh accident insurance, a ₹1,500 monthly pension from age 60, education support and maternity benefits, plus separate schemes for artificial limbs and a 15-day skill-upgradation training programme.",
      "benefit_amount": "₹5,00,000 accident insurance + ₹1,500/month pension (60+) + education + maternity",
      "name_hi": "ఏపీ భవన నిర్మాణ కార్మికుల సంక్షేమ మండలి (एपी भवन एवं निर्माण श्रमिक कल्याण बोर्ड)",
      "summary_hi": "आंध्र प्रदेश के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण — रिपोर्ट के अनुसार देश के अधिक उदार ऐसे बोर्डों में से एक — राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों को ₹5 लाख दुर्घटना बीमा, 60 वर्ष की आयु से ₹1,500 मासिक पेंशन, शिक्षा सहायता और मातृत्व लाभ तक पहुंच देता है, साथ ही कृत्रिम अंगों के लिए अलग योजनाएं और 15-दिवसीय कौशल-उन्नयन प्रशिक्षण कार्यक्रम।",
      "benefit_amount_hi": "₹5,00,000 दुर्घटना बीमा + ₹1,500/माह पेंशन (60+) + शिक्षा + मातृत्व",
      "last_verified": "2026-09-24",
      "ministry": "Andhra Pradesh Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "vahana-mitra-ap",
      "code": "SS-AP-BIZ-001",
      "name": "Vahana Mitra Scheme",
      "category": "business-entrepreneurship",
      "official_url": "https://ap.gov.in",
      "summary": "₹15,000 a year in financial assistance for auto-rickshaw, taxi and maxi-cab drivers in Andhra Pradesh, aimed at owner-drivers who depend entirely on their vehicle for a living and have no other income cushion.",
      "benefit_amount": "₹15,000/year",
      "name_hi": "వాహన మిత్ర పథకం (वाहन मित्र योजना)",
      "summary_hi": "आंध्र प्रदेश के ऑटो-रिक्शा, टैक्सी और मैक्सी-कैब चालकों के लिए साल में ₹15,000 वित्तीय सहायता, उन मालिक-चालकों के लिए जो जीविका के लिए पूरी तरह अपने वाहन पर निर्भर हैं और जिनके पास कोई अन्य आय सहारा नहीं है।",
      "benefit_amount_hi": "₹15,000/वर्ष",
      "last_verified": "2026-09-24",
      "ministry": "Transport Department, Government of Andhra Pradesh"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "nethanna-sevalo-ap",
      "code": "SS-AP-BIZ-002",
      "name": "Nethanna Sevalo Scheme",
      "category": "business-entrepreneurship",
      "official_url": "https://ap.gov.in",
      "summary": "₹25,000 a year in financial assistance for handloom weavers in Andhra Pradesh, aimed at a traditional occupation that's been steadily squeezed by cheaper power-loom and machine-made textiles, helping weaving families stay afloat between orders.",
      "benefit_amount": "₹25,000/year",
      "name_hi": "నేతన్న సేవలో పథకం (नेतन्ना सेवलो योजना)",
      "summary_hi": "आंध्र प्रदेश के हथकरघा बुनकरों के लिए साल में ₹25,000 वित्तीय सहायता, एक पारंपरिक व्यवसाय के लिए जो सस्ते पावर-लूम और मशीन-निर्मित वस्त्रों से लगातार दबाव में रहा है, बुनकर परिवारों को ऑर्डरों के बीच टिके रहने में मदद।",
      "benefit_amount_hi": "₹25,000/वर्ष",
      "last_verified": "2026-09-24",
      "ministry": "Handlooms and Textiles Department, Government of Andhra Pradesh"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "adarana-3-ap",
      "code": "SS-AP-BIZ-003",
      "name": "Adarana 3.0 Scheme (Toddy Tappers)",
      "category": "business-entrepreneurship",
      "official_url": "https://apobmms.apcfss.in",
      "summary": "Free mopeds and modern climbing/tapping tools for toddy tappers in Andhra Pradesh — a traditional occupation that involves genuinely dangerous daily tree-climbing — aimed at making the work both safer and more efficient.",
      "benefit_amount": "Free moped + modern tapping tools",
      "name_hi": "అదరణ 3.0 పథకం (अदरण 3.0 योजना, गुड़ निकालने वाले)",
      "summary_hi": "आंध्र प्रदेश के ताड़ी निकालने वालों के लिए मुफ्त मोपेड और आधुनिक चढ़ाई/निकासी औज़ार — एक पारंपरिक व्यवसाय जिसमें वास्तव में खतरनाक दैनिक पेड़ चढ़ाई शामिल है — काम को सुरक्षित और अधिक कुशल दोनों बनाने के लक्ष्य के साथ।",
      "benefit_amount_hi": "मुफ्त मोपेड + आधुनिक निकासी औज़ार",
      "last_verified": "2026-09-24",
      "ministry": "Department of BC Welfare, Government of Andhra Pradesh"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "chandranna-bima-ap",
      "code": "SS-AP-SWE-003",
      "name": "Chandranna Bima Scheme (formerly YSR Bima)",
      "category": "social-welfare-empowerment",
      "official_url": "https://chandrannabima.ap.gov.in",
      "summary": "Premium-free life and accident insurance for unorganised-sector workers in Andhra Pradesh — daily wage labourers, artisans, petty traders and similar occupations — covering natural death, accidental death and disability. Renamed from YSR Bima by the current government; reported coverage figures vary somewhat by source and age band, so confirm your exact entitlement on the official portal.",
      "benefit_amount": "₹2L–₹10L, depending on cause of death/disability and age band (verify on portal)",
      "name_hi": "చంద్రన్న బీమా పథకం (चंद्रन्ना बीमा योजना, पूर्व नाम: YSR बीमा)",
      "summary_hi": "आंध्र प्रदेश के असंगठित-क्षेत्र श्रमिकों — दैनिक मज़दूर, कारीगर, छोटे व्यापारी और इसी तरह के व्यवसाय — के लिए प्रीमियम-मुक्त जीवन एवं दुर्घटना बीमा, प्राकृतिक मृत्यु, दुर्घटनावश मृत्यु और दिव्यांगता को कवर करता है। वर्तमान सरकार द्वारा YSR बीमा से नाम बदला गया; रिपोर्ट की गई कवरेज राशि स्रोत और आयु वर्ग के अनुसार कुछ भिन्न होती है, इसलिए अपनी सटीक पात्रता आधिकारिक पोर्टल पर पुष्टि करें।",
      "benefit_amount_hi": "₹2L–₹10L, मृत्यु/दिव्यांगता के कारण एवं आयु वर्ग अनुसार (पोर्टल पर पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Labour Department, Government of Andhra Pradesh"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "matsyakara-sevalo-ap",
      "code": "SS-AP-SKL-002",
      "name": "Matsyakara Sevalo Scheme (formerly YSR Matsyakara Bharosa)",
      "category": "skills-employment",
      "official_url": "https://ap.gov.in",
      "summary": "₹20,000 in financial support for fishing families in Andhra Pradesh during the 61-day annual marine fishing ban (mid-April to mid-June), when boats can't go out to sea, plus a diesel subsidy of ₹9/litre for mechanised boats year-round. Renamed and relaunched by the current government in 2024; 1.3 lakh+ families benefit each year.",
      "benefit_amount": "₹20,000 during fishing ban + ₹9/litre diesel subsidy",
      "name_hi": "మత్స్యకార సేవలో పథకం (मत्स्यकार सेवलो योजना, पूर्व नाम: YSR मत्स्यकार भरोसा)",
      "summary_hi": "आंध्र प्रदेश के मछुआरा परिवारों के लिए वार्षिक 61-दिवसीय समुद्री मछली पकड़ने के प्रतिबंध (मध्य अप्रैल से मध्य जून) के दौरान ₹20,000 वित्तीय सहायता, जब नावें समुद्र में नहीं जा सकतीं, साथ ही मशीनीकृत नावों के लिए साल भर ₹9/लीटर डीज़ल सब्सिडी। वर्तमान सरकार द्वारा 2024 में नाम बदला और दोबारा शुरू किया गया; हर साल 1.3 लाख+ परिवारों को लाभ।",
      "benefit_amount_hi": "मछली पकड़ने के प्रतिबंध के दौरान ₹20,000 + ₹9/लीटर डीज़ल सब्सिडी",
      "last_verified": "2026-09-24",
      "ministry": "Department of Fisheries, Government of Andhra Pradesh"
    },
    {
      "level": "state",
      "state": "Andhra Pradesh",
      "slug": "ntr-housing-scheme-ap",
      "code": "SS-AP-HSG-001",
      "name": "NTR Housing Scheme (Pedalandariki Illu)",
      "category": "housing-shelter",
      "official_url": "https://apsdc.ap.gov.in",
      "summary": "A pucca house for BPL families in Andhra Pradesh who don't own one — free house-site land (3 cents rural, 2 cents urban) plus a construction subsidy of ₹1.5 lakh (rural) to ₹2.5 lakh (urban), with an extra ₹50,000 for SC/ST beneficiaries. The programme has delivered around 4 lakh houses so far against a target of roughly 10 lakh.",
      "benefit_amount": "₹1,50,000 (rural) / ₹2,50,000 (urban) + free house-site land",
      "name_hi": "ఎన్టీఆర్ హౌసింగ్ స్కీమ్ (NTR आवास योजना, पेदलंदरिकी इल्लु)",
      "summary_hi": "आंध्र प्रदेश के उन BPL परिवारों के लिए पक्का मकान जिनके पास एक नहीं है — मुफ्त मकान-स्थल भूमि (ग्रामीण 3 सेंट, शहरी 2 सेंट) साथ ही ₹1.5 लाख (ग्रामीण) से ₹2.5 लाख (शहरी) तक का निर्माण अनुदान, SC/ST लाभार्थियों के लिए अतिरिक्त ₹50,000। कार्यक्रम ने अब तक लगभग 10 लाख के लक्ष्य के मुकाबले लगभग 4 लाख मकान दिए हैं।",
      "benefit_amount_hi": "₹1,50,000 (ग्रामीण) / ₹2,50,000 (शहरी) + मुफ्त मकान-स्थल भूमि",
      "last_verified": "2026-09-24",
      "ministry": "Andhra Pradesh State Housing Corporation Limited (APSHCL)"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "mahalakshmi-scheme-telangana",
      "code": "SS-TG-WMC-001",
      "name": "Mahalakshmi Scheme",
      "category": "women-child",
      "official_url": "https://mahalakshmi.telangana.gov.in",
      "summary": "One of Telangana's six flagship 'guarantee' schemes: ₹2,500 a month (₹30,000 a year) credited directly to the woman head of every eligible household, bundled with free travel for women on TSRTC buses, an LPG cylinder at a flat ₹500, and an additional ₹500 a month for BPL households. Around 1.28 crore women are targeted.",
      "benefit_amount": "₹2,500/month + free TSRTC bus travel + ₹500 LPG + ₹500/month extra (BPL)",
      "name_hi": "మహాలక్ష్మి పథకం (महालक्ष्मी योजना)",
      "summary_hi": "तेलंगाना की छह प्रमुख 'गारंटी' योजनाओं में से एक: हर पात्र परिवार की महिला मुखिया को हर महीने ₹2,500 (साल में ₹30,000) सीधे जमा, TSRTC बसों में महिलाओं के लिए मुफ्त यात्रा, फ्लैट ₹500 में LPG सिलेंडर, और BPL परिवारों के लिए अतिरिक्त ₹500 प्रति माह के साथ बंडल। लगभग 1.28 करोड़ महिलाएं लक्षित हैं।",
      "benefit_amount_hi": "₹2,500/माह + मुफ्त TSRTC बस यात्रा + ₹500 LPG + ₹500/माह अतिरिक्त (BPL)",
      "last_verified": "2026-09-24",
      "ministry": "Women Development, Child Welfare & Disabled Welfare Department, Government of Telangana"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "gruha-jyothi-telangana",
      "code": "SS-TG-UTL-001",
      "name": "Gruha Jyothi Scheme (Telangana)",
      "category": "utility-sanitation",
      "official_url": "https://tgsouthernpower.org",
      "summary": "Free electricity up to 200 units a month for every domestic household in Telangana — consumers within that limit pay a zero bill, while those above it pay only for the units beyond 200. Launched in August 2023, it reaches over 1.49 crore domestic connections statewide.",
      "benefit_amount": "Free electricity up to 200 units/month",
      "name_hi": "గృహ జ్యోతి పథకం (गृह ज्योति योजना, तेलंगाना)",
      "summary_hi": "तेलंगाना के हर घरेलू परिवार के लिए 200 यूनिट तक मुफ्त बिजली प्रति माह — इस सीमा के भीतर उपभोक्ता शून्य बिल देते हैं, जबकि इससे अधिक वाले केवल 200 से ऊपर की यूनिटों का भुगतान करते हैं। अगस्त 2023 में शुरू, यह राज्य भर के 1.49 करोड़ से अधिक घरेलू कनेक्शनों तक पहुंचती है।",
      "benefit_amount_hi": "200 यूनिट तक मुफ्त बिजली/माह",
      "last_verified": "2026-09-24",
      "ministry": "Energy Department, Government of Telangana",
      "launched": "August 2023"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "aasara-pensions-telangana",
      "code": "SS-TG-SWE-001",
      "name": "Aasara Pensions (Cheyutha)",
      "category": "social-welfare-empowerment",
      "official_url": "https://ts.meeseva.telangana.gov.in",
      "summary": "A monthly pension for Telangana's elderly (57+), widows, persons with disabilities, single women, weavers, toddy tappers, HIV-positive persons, and beedi workers — the amount ranges from ₹2,016 to ₹3,016 depending on category, with disability pension at the higher end. Administered as part of the state's broader social security pension framework, sometimes referred to as Cheyutha.",
      "benefit_amount": "₹2,016–₹3,016/month, by category",
      "name_hi": "ఆసరా పెన్షన్లు (आसरा पेंशन, चेयुथा)",
      "summary_hi": "तेलंगाना के बुज़ुर्गों (57+), विधवाओं, दिव्यांग व्यक्तियों, अकेली महिलाओं, बुनकरों, ताड़ी निकालने वालों, HIV-पॉज़िटिव व्यक्तियों, और बीड़ी श्रमिकों के लिए मासिक पेंशन — श्रेणी के अनुसार राशि ₹2,016 से ₹3,016 तक होती है, दिव्यांगता पेंशन उच्चतम पर। राज्य के व्यापक सामाजिक सुरक्षा पेंशन ढांचे के हिस्से के रूप में प्रशासित, कभी-कभी चेयुथा के रूप में संदर्भित।",
      "benefit_amount_hi": "₹2,016–₹3,016/माह, श्रेणी अनुसार",
      "last_verified": "2026-09-24",
      "ministry": "Panchayat Raj & Rural Development / Women Development, Child Welfare & Disabled Welfare Departments, Government of Telangana"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "indiramma-aatmeeya-bharosa",
      "code": "SS-TG-AGR-002",
      "name": "Indiramma Aatmeeya Bharosa",
      "category": "agriculture-rural-environment",
      "official_url": "https://agri.telangana.gov.in",
      "summary": "Rythu Bharosa pays landowning farmers, but landless agricultural labourers who work those same fields get no share of it — Indiramma Aatmeeya Bharosa fills that specific gap, paying ₹12,000 a year to landless farm labourer families in Telangana. Announced alongside Rythu Bharosa in January 2025 and launched to coincide with Republic Day.",
      "benefit_amount": "₹12,000/year",
      "name_hi": "ఇందిరమ్మ ఆత్మీయ భరోసా (इंदिरम्मा आत्मीय भरोसा)",
      "summary_hi": "रैतु भरोसा भूमि-मालिक किसानों को भुगतान करती है, लेकिन जो भूमिहीन कृषि श्रमिक उन्हीं खेतों पर काम करते हैं उन्हें इसमें कोई हिस्सा नहीं मिलता — इंदिरम्मा आत्मीय भरोसा इस विशिष्ट कमी को पूरा करती है, तेलंगाना के भूमिहीन कृषि श्रमिक परिवारों को साल में ₹12,000 देती है। जनवरी 2025 में रैतु भरोसा के साथ घोषित और गणतंत्र दिवस के साथ मेल खाने के लिए शुरू।",
      "benefit_amount_hi": "₹12,000/वर्ष",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture, Government of Telangana"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "indiramma-sarees-scheme",
      "code": "SS-TG-WMC-002",
      "name": "Indiramma Sarees Scheme (formerly Bathukamma Sarees)",
      "category": "women-child",
      "official_url": "https://telangana.gov.in",
      "summary": "A free handloom saree for BPL women in Telangana, woven in Sircilla — Telangana's 'textile town' — and distributed in phases timed around festivals and Women's Day. Replaces the earlier Bathukamma Sarees scheme, whose powerloom/polyester sarees had drawn criticism over quality; the current version deliberately sources handloom fabric only, both improving quality and supporting Sircilla's weaver families with steady orders.",
      "benefit_amount": "One free handloom saree (₹500–₹1,000 value)",
      "name_hi": "ఇందిరమ్మ చీరల పథకం (इंदिरम्मा साड़ी योजना, पूर्व नाम: बतुकम्मा साड़ी योजना)",
      "summary_hi": "तेलंगाना की BPL महिलाओं के लिए मुफ्त हथकरघा साड़ी, सिरसिल्ला — तेलंगाना का 'वस्त्र नगर' — में बुनी गई और त्योहारों एवं महिला दिवस के आसपास चरणों में वितरित। पुरानी बतुकम्मा साड़ी योजना की जगह, जिसकी पावरलूम/पॉलिएस्टर साड़ियों की गुणवत्ता को लेकर आलोचना हुई थी; वर्तमान संस्करण जानबूझकर केवल हथकरघा कपड़ा प्राप्त करता है, गुणवत्ता सुधारते हुए और सिरसिल्ला के बुनकर परिवारों को स्थिर ऑर्डर से सहायता देते हुए।",
      "benefit_amount_hi": "एक मुफ्त हथकरघा साड़ी (₹500–₹1,000 मूल्य)",
      "last_verified": "2026-09-24",
      "ministry": "Handlooms and Textiles Department, Government of Telangana"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "rythu-bima-telangana",
      "code": "SS-TG-AGR-003",
      "name": "Rythu Bima",
      "category": "agriculture-rural-environment",
      "official_url": "https://rythubima.telangana.gov.in",
      "summary": "Life insurance of ₹5 lakh for landowning farmers in Telangana aged 18-59, paid to the family within days of the farmer's death from any cause — not just accidents. The state pays the entire premium to LIC on the farmer's behalf, so there's nothing for the farmer to pay or manage; over 35-38 lakh farmers are covered.",
      "benefit_amount": "₹5,00,000 life insurance (any cause of death), premium-free",
      "name_hi": "రైతు బీమా (रैतु बीमा)",
      "summary_hi": "तेलंगाना के 18-59 वर्ष के भूमि-मालिक किसानों के लिए ₹5 लाख का जीवन बीमा, किसान की किसी भी कारण से मृत्यु के कुछ दिनों के भीतर परिवार को भुगतान — केवल दुर्घटनाओं तक सीमित नहीं। राज्य किसान की ओर से पूरा प्रीमियम LIC को चुकाता है, इसलिए किसान को कुछ भी भुगतान या प्रबंधित नहीं करना पड़ता; 35-38 लाख से अधिक किसान कवर हैं।",
      "benefit_amount_hi": "₹5,00,000 जीवन बीमा (किसी भी कारण से मृत्यु), प्रीमियम-मुक्त",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture, Government of Telangana"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "ts-epass-scholarship",
      "code": "SS-TG-EDU-002",
      "name": "TS ePASS Scholarship",
      "category": "education-learning",
      "official_url": "https://telanganaepass.cgg.gov.in",
      "summary": "Telangana's unified digital scholarship system for SC, ST, BC and Minority students — full tuition-fee reimbursement plus a maintenance allowance of ₹550-1,200 a month depending on course level, reaching over 7 lakh students through a single registration and application portal.",
      "benefit_amount": "Full tuition + ₹550–₹1,200/month maintenance",
      "name_hi": "TS ఇపాస్ స్కాలర్‌షిప్ (TS ePASS छात्रवृत्ति)",
      "summary_hi": "SC, ST, BC और अल्पसंख्यक विद्यार्थियों के लिए तेलंगाना की एकीकृत डिजिटल छात्रवृत्ति प्रणाली — पूरी ट्यूशन फीस प्रतिपूर्ति साथ ही पाठ्यक्रम स्तर के अनुसार ₹550-1,200 प्रति माह का भरण-पोषण भत्ता, एक ही पंजीकरण और आवेदन पोर्टल के ज़रिए 7 लाख से अधिक विद्यार्थियों तक पहुंचती है।",
      "benefit_amount_hi": "पूरी फीस + ₹550–₹1,200/माह भरण-पोषण",
      "last_verified": "2026-09-24",
      "ministry": "SC/ST/BC/Minority Welfare Departments, Government of Telangana"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "ts-aarogyasri-health-scheme",
      "code": "SS-TG-HLT-002",
      "name": "TS Aarogyasri Health Scheme",
      "category": "health-wellness",
      "official_url": "https://aarogyasri.telangana.gov.in",
      "summary": "Cashless health cover of up to ₹5 lakh a year for BPL families in Telangana at a network of 3,000+ empanelled government and private hospitals, covering listed surgical and medical procedures. One of the original Aarogyasri health schemes that predates the 2014 state split, continuing under its established name in Telangana.",
      "benefit_amount": "₹5,00,000/year cashless treatment",
      "name_hi": "TS ఆరోగ్యశ్రీ పథకం (TS आरोग्यश्री योजना)",
      "summary_hi": "तेलंगाना के BPL परिवारों के लिए 3,000+ सूचीबद्ध सरकारी और निजी अस्पतालों के नेटवर्क में साल में ₹5 लाख तक का कैशलेस स्वास्थ्य कवर, सूचीबद्ध सर्जिकल और चिकित्सा प्रक्रियाओं को कवर करता है। मूल आरोग्यश्री स्वास्थ्य योजनाओं में से एक जो 2014 के राज्य विभाजन से पहले की है, तेलंगाना में अपने स्थापित नाम के तहत जारी।",
      "benefit_amount_hi": "₹5,00,000/वर्ष कैशलेस इलाज",
      "last_verified": "2026-09-24",
      "ministry": "Aarogyasri Health Care Trust, Government of Telangana"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "telangana-bocw-welfare-board",
      "code": "SS-TG-SKL-001",
      "name": "Telangana BOCW Welfare Board",
      "category": "skills-employment",
      "official_url": "https://labour.telangana.gov.in",
      "summary": "Registration with Telangana's construction workers' welfare board gives masons, labourers and other construction workers access to ₹5 lakh accident insurance, a ₹1,000 monthly pension from a qualifying age, education support and other benefits, funded through a cess collected on construction projects statewide.",
      "benefit_amount": "₹5,00,000 accident insurance + ₹1,000/month pension",
      "name_hi": "తెలంగాణ నిర్మాణ కార్మికుల సంక్షేమ మండలి (तेलंगाना निर्माण श्रमिक कल्याण बोर्ड)",
      "summary_hi": "तेलंगाना के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों को ₹5 लाख दुर्घटना बीमा, योग्य आयु से ₹1,000 मासिक पेंशन, शिक्षा सहायता और अन्य लाभों तक पहुंच देता है, राज्य भर की निर्माण परियोजनाओं पर एकत्रित उपकर से वित्तपोषित।",
      "benefit_amount_hi": "₹5,00,000 दुर्घटना बीमा + ₹1,000/माह पेंशन",
      "last_verified": "2026-09-24",
      "ministry": "Telangana Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "t-pride-scheme-telangana",
      "code": "SS-TG-BIZ-001",
      "name": "T-PRIDE Scheme",
      "category": "business-entrepreneurship",
      "official_url": "https://tgbcwelfare.telangana.gov.in",
      "summary": "Telangana Pradesh Incentives for Development and Empowerment gives Backward Class entrepreneurs up to ₹25 lakh to start a new enterprise — 35% as a subsidy that never has to be repaid, with the rest as an interest-free loan, aimed at ventures genuinely large enough to create jobs rather than just micro-enterprises.",
      "benefit_amount": "Up to ₹25,00,000 (35% subsidy + interest-free loan)",
      "name_hi": "టీ-ప్రైడ్ పథకం (T-PRIDE योजना)",
      "summary_hi": "तेलंगाना प्रदेश विकास एवं सशक्तिकरण प्रोत्साहन पिछड़ा वर्ग उद्यमियों को नया उद्यम शुरू करने के लिए ₹25 लाख तक देती है — 35% अनुदान जो कभी वापस नहीं चुकाना पड़ता, बाकी बिना ब्याज ऋण के रूप में, वास्तव में इतने बड़े उद्यमों के लिए जो केवल सूक्ष्म-उद्यमों के बजाय नौकरियां पैदा कर सकें।",
      "benefit_amount_hi": "₹25,00,000 तक (35% अनुदान + बिना ब्याज ऋण)",
      "last_verified": "2026-09-24",
      "ministry": "Telangana Backward Classes Welfare Department"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "telangana-education-kits-scheme",
      "code": "SS-TG-EDU-003",
      "name": "Telangana Education Kits Scheme",
      "category": "education-learning",
      "official_url": "https://schooledu.telangana.gov.in",
      "summary": "A free school kit — bag, two uniform sets, textbooks, notebooks and other stationery — for every student at a Telangana government school, removing a recurring back-to-school cost that otherwise falls on families each academic year regardless of which government is in office.",
      "benefit_amount": "Free school kit (bag, 2 uniforms, books, stationery)",
      "name_hi": "తెలంగాణ విద్యా కిట్ల పథకం (तेलंगाना शिक्षा किट योजना)",
      "summary_hi": "तेलंगाना के हर सरकारी स्कूल विद्यार्थी के लिए मुफ्त स्कूल किट — बैग, दो गणवेश सेट, पाठ्यपुस्तकें, नोटबुक और अन्य स्टेशनरी — एक आवर्ती स्कूल-वापसी लागत को हटाते हुए जो अन्यथा हर शैक्षणिक वर्ष परिवारों पर पड़ती है, चाहे सरकार कोई भी हो।",
      "benefit_amount_hi": "मुफ्त स्कूल किट (बैग, 2 गणवेश, किताबें, स्टेशनरी)",
      "last_verified": "2026-09-24",
      "ministry": "School Education Department, Government of Telangana"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "telangana-matsyakara-bharosa",
      "code": "SS-TG-AGR-004",
      "name": "Telangana Matsyakara Bharosa",
      "category": "agriculture-rural-environment",
      "official_url": "https://fisheries.telangana.gov.in",
      "summary": "₹10,000 a year in investment support for fishermen in Telangana, plus free group accident insurance — support for an inland fishing community working reservoirs and tanks rather than the sea, distinct from the coastal fishing schemes run by Andhra Pradesh and other coastal states.",
      "benefit_amount": "₹10,000/year + free group accident insurance",
      "name_hi": "తెలంగాణ మత్స్యకార భరోసా (तेलंगाना मत्स्यकार भरोसा)",
      "summary_hi": "तेलंगाना के मछुआरों के लिए साल में ₹10,000 निवेश सहायता, साथ ही मुफ्त समूह दुर्घटना बीमा — समुद्र के बजाय जलाशयों और तालाबों पर काम करने वाले अंतर्देशीय मछली पकड़ने वाले समुदाय के लिए सहायता, आंध्र प्रदेश और अन्य तटीय राज्यों की तटीय मछली पकड़ने की योजनाओं से अलग।",
      "benefit_amount_hi": "₹10,000/वर्ष + मुफ्त समूह दुर्घटना बीमा",
      "last_verified": "2026-09-24",
      "ministry": "Department of Fisheries, Government of Telangana"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "aarogya-lakshmi-scheme-telangana",
      "code": "SS-TG-HLT-003",
      "name": "Aarogya Lakshmi Scheme",
      "category": "health-wellness",
      "official_url": "https://wdcw.telangana.gov.in",
      "summary": "A daily nutritious meal, eggs and milk for pregnant and lactating women at Telangana's Anganwadi centres, designed along WHO nutrition guidelines and running since January 2015 — an administrative nutrition programme that has continued through the change of government because it isn't tied to any particular political brand.",
      "benefit_amount": "Free daily meal + eggs + milk (pregnant/lactating women)",
      "name_hi": "ఆరోగ్య లక్ష్మి పథకం (आरोग्य लक्ष्मी योजना)",
      "summary_hi": "तेलंगाना के आंगनवाड़ी केंद्रों पर गर्भवती और स्तनपान कराने वाली महिलाओं के लिए दैनिक पोष्टिक भोजन, अंडे और दूध, WHO पोषण दिशानिर्देशों के अनुसार डिज़ाइन किया गया और जनवरी 2015 से चल रहा है — एक प्रशासनिक पोषण कार्यक्रम जो सरकार बदलने के बावजूद जारी रहा है क्योंकि यह किसी विशेष राजनीतिक ब्रांड से जुड़ा नहीं है।",
      "benefit_amount_hi": "मुफ्त दैनिक भोजन + अंडे + दूध (गर्भवती/स्तनपान कराने वाली महिलाएं)",
      "last_verified": "2026-09-24",
      "ministry": "Women Development and Child Welfare Department, Government of Telangana",
      "launched": "January 2015"
    },
    {
      "level": "state",
      "state": "Telangana",
      "slug": "telangana-cm-relief-fund",
      "code": "SS-TG-SWE-002",
      "name": "Telangana CM Relief Fund",
      "category": "social-welfare-empowerment",
      "official_url": "https://cmrf.telangana.gov.in",
      "summary": "Emergency financial assistance of up to ₹5 lakh for BPL families in Telangana facing a medical crisis, fire, flood or other disaster — a discretionary safety net for situations too sudden and severe for routine welfare schemes to cover in time.",
      "benefit_amount": "Up to ₹5,00,000 emergency assistance",
      "name_hi": "తెలంగాణ ముఖ్యమంత్రి సహాయ నిధి (तेलंगाना मुख्यमंत्री राहत कोष)",
      "summary_hi": "चिकित्सा संकट, आग, बाढ़ या अन्य आपदा का सामना कर रहे तेलंगाना के BPL परिवारों के लिए ₹5 लाख तक की आपातकालीन वित्तीय सहायता — उन स्थितियों के लिए एक विवेकाधीन सुरक्षा जाल जो नियमित कल्याण योजनाओं के समय पर कवर करने के लिए बहुत अचानक और गंभीर हैं।",
      "benefit_amount_hi": "₹5,00,000 तक आपातकालीन सहायता",
      "last_verified": "2026-09-24",
      "ministry": "Chief Minister's Office, Government of Telangana"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "kudumbashree-kerala",
      "code": "SS-KL-BIZ-001",
      "name": "Kudumbashree",
      "category": "business-entrepreneurship",
      "official_url": "https://www.kudumbashree.org",
      "summary": "Kerala's state poverty eradication mission, built entirely around a network of women's neighbourhood groups — around 45 lakh women across the state are members, using the network for microfinance, savings, and collective small enterprises from catering to farming to retail. Running since 1998, it's one of the largest and most studied women's self-help group networks in India, and continues regardless of which party holds power in Thiruvananthapuram.",
      "benefit_amount": "Microfinance, savings-linked loans, livelihood support (varies by activity)",
      "name_hi": "കുടുംബശ്രീ (कुडुंबश्री)",
      "summary_hi": "केरल का राज्य गरीबी उन्मूलन मिशन, पूरी तरह महिला पड़ोस समूहों के नेटवर्क पर बना — राज्य भर में लगभग 45 लाख महिलाएं सदस्य हैं, माइक्रोफाइनेंस, बचत, और खानपान से लेकर खेती से लेकर खुदरा तक सामूहिक छोटे उद्यमों के लिए नेटवर्क का उपयोग करते हुए। 1998 से चल रहा, यह भारत के सबसे बड़े और सबसे अधिक अध्ययन किए गए महिला स्वयं सहायता समूह नेटवर्कों में से एक है, और तिरुवनंतपुरम में सत्ता किसके पास है इसकी परवाह किए बिना जारी रहता है।",
      "benefit_amount_hi": "माइक्रोफाइनेंस, बचत-आधारित ऋण, आजीविका सहायता (गतिविधि अनुसार भिन्न)",
      "last_verified": "2026-09-24",
      "ministry": "Kudumbashree Mission (State Poverty Eradication Mission), Government of Kerala"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "life-mission-kerala",
      "code": "SS-KL-HSG-001",
      "name": "LIFE Mission (Livelihood, Inclusion and Financial Empowerment)",
      "category": "housing-shelter",
      "official_url": "https://lifemission.kerala.gov.in",
      "summary": "A free or heavily subsidised pucca house for landless and houseless families in Kerala — those who already own land get a construction grant of ₹3.5-4 lakh (higher for SC/fishermen families, actual cost covered for ST families), while landless families are allotted flats built by the mission directly. It converges with the central PM Awas Yojana-Urban where applicable, and continues to accept applications as of 2026.",
      "benefit_amount": "₹3,50,000–₹4,00,000 house grant, or free flat for landless families",
      "name_hi": "ലൈഫ് മിഷൻ (LIFE मिशन, आजीविका, समावेशन एवं वित्तीय सशक्तिकरण)",
      "summary_hi": "केरल के भूमिहीन और बेघर परिवारों के लिए मुफ्त या भारी सब्सिडी वाला पक्का मकान — जिनके पास पहले से भूमि है उन्हें ₹3.5-4 लाख का निर्माण अनुदान मिलता है (SC/मछुआरा परिवारों के लिए अधिक, ST परिवारों के लिए वास्तविक लागत कवर), जबकि भूमिहीन परिवारों को मिशन द्वारा सीधे बनाए गए फ्लैट आवंटित किए जाते हैं। यह जहां लागू हो केंद्रीय PM आवास योजना-शहरी के साथ अभिसरण करता है, और 2026 तक आवेदन स्वीकार करना जारी रखता है।",
      "benefit_amount_hi": "₹3,50,000–₹4,00,000 मकान अनुदान, या भूमिहीन परिवारों के लिए मुफ्त फ्लैट",
      "last_verified": "2026-09-24",
      "ministry": "LIFE Mission, Government of Kerala"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "kerala-social-welfare-pension",
      "code": "SS-KL-SWE-001",
      "name": "Kerala Social Welfare Pension",
      "category": "social-welfare-empowerment",
      "official_url": "https://lsgkerala.gov.in/en/welfarepension",
      "summary": "A monthly pension for Kerala's elderly, widows and persons with disabilities, among the higher state pensions in India. The current confirmed rate is ₹2,000 a month, though the new government elected in May 2026 has publicly committed to raising it to ₹3,000 as part of its 'Indira Guarantee' programme — that increase had not been implemented as of this writing, so the ₹2,000 figure is what's actually being paid.",
      "benefit_amount": "₹2,000/month (₹3,000 promised, not yet implemented)",
      "name_hi": "കേരള സാമൂഹിക ക്ഷേമ പെൻഷൻ (केरल सामाजिक कल्याण पेंशन)",
      "summary_hi": "केरल के बुज़ुर्गों, विधवाओं और दिव्यांग व्यक्तियों के लिए मासिक पेंशन, भारत की अधिक राज्य पेंशनों में से एक। वर्तमान पुष्ट दर ₹2,000 प्रति माह है, हालांकि मई 2026 में चुनी गई नई सरकार ने अपने 'इंदिरा गारंटी' कार्यक्रम के हिस्से के रूप में इसे ₹3,000 तक बढ़ाने की सार्वजनिक प्रतिबद्धता जताई है — यह बढ़ोतरी इस लेखन तक लागू नहीं हुई थी, इसलिए ₹2,000 का आंकड़ा वास्तव में भुगतान किया जा रहा है।",
      "benefit_amount_hi": "₹2,000/माह (₹3,000 का वादा, अभी लागू नहीं)",
      "last_verified": "2026-09-24",
      "ministry": "Local Self Government Department, Government of Kerala"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "aswasakiranam-kerala",
      "code": "SS-KL-SWE-002",
      "name": "Aswasakiranam",
      "category": "social-welfare-empowerment",
      "official_url": "https://socialsecuritymission.gov.in",
      "summary": "A monthly allowance for people caring for a bedridden family member, someone with severe mental illness, or a person with a severe disability at home in Kerala — recognising that caregiving itself is unpaid, full-time work that keeps a family member out of the paid workforce, and giving that labour some financial acknowledgement.",
      "benefit_amount": "Monthly financial assistance (amount varies — confirm current rate with Social Security Mission)",
      "name_hi": "ആശ്വാസകിരണം (आश्वासकिरणम)",
      "summary_hi": "केरल में बिस्तर पर पड़े परिवार के सदस्य, गंभीर मानसिक बीमारी वाले व्यक्ति, या घर पर गंभीर दिव्यांगता वाले व्यक्ति की देखभाल करने वालों के लिए मासिक भत्ता — यह मानते हुए कि देखभाल स्वयं अवैतनिक, पूर्णकालिक काम है जो परिवार के सदस्य को सशुल्क कार्यबल से बाहर रखता है, और उस श्रम को कुछ वित्तीय मान्यता देता है।",
      "benefit_amount_hi": "मासिक वित्तीय सहायता (राशि भिन्न — सामाजिक सुरक्षा मिशन से वर्तमान दर की पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Kerala Social Security Mission, Government of Kerala"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "snehapoorvam-kerala",
      "code": "SS-KL-WMC-001",
      "name": "Snehapoorvam",
      "category": "women-child",
      "official_url": "https://socialsecuritymission.gov.in",
      "summary": "Financial assistance for children in Kerala who have lost one or both parents and belong to a BPL family, running since 2005 under the Department of Social Justice and now administered through the Kerala Social Security Mission — support meant to keep a child in school and cared for rather than becoming an additional financial burden on whoever is raising them.",
      "benefit_amount": "Financial assistance for orphaned/BPL children (confirm current rate)",
      "name_hi": "സ്നേഹപൂർവം (स्नेहपूर्वम)",
      "summary_hi": "केरल के उन बच्चों के लिए वित्तीय सहायता जिन्होंने एक या दोनों माता-पिता खो दिए हैं और BPL परिवार से हैं, 2005 से सामाजिक न्याय विभाग के तहत चल रही और अब केरल सामाजिक सुरक्षा मिशन के माध्यम से प्रशासित — ऐसी सहायता जिसका मकसद बच्चे को स्कूल में और देखभाल में रखना है, न कि उसकी परवरिश करने वाले पर एक अतिरिक्त वित्तीय बोझ बनना।",
      "benefit_amount_hi": "अनाथ/BPL बच्चों के लिए वित्तीय सहायता (वर्तमान दर की पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Kerala Social Security Mission, Government of Kerala"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "snehasparsham-kerala",
      "code": "SS-KL-WMC-002",
      "name": "Snehasparsham",
      "category": "women-child",
      "official_url": "https://socialsecuritymission.gov.in",
      "summary": "Financial assistance for unwed mothers under 65 in Kerala who aren't already receiving another government pension — a targeted, small-scale scheme (just over 1,000 beneficiaries as of the last count) run by the Social Justice Department to support a group that often falls outside the reach of more general welfare schemes.",
      "benefit_amount": "₹1,000/month",
      "name_hi": "സ്നേഹസ്പർശം (स्नेहस्पर्शम)",
      "summary_hi": "केरल में 65 वर्ष से कम आयु की अविवाहित माताओं के लिए वित्तीय सहायता जो पहले से कोई अन्य सरकारी पेंशन नहीं ले रही हों — एक लक्षित, छोटे पैमाने की योजना (पिछली गिनती तक सिर्फ 1,000 से अधिक लाभार्थी) जो सामाजिक न्याय विभाग द्वारा उस समूह की सहायता के लिए चलाई जाती है जो अक्सर अधिक सामान्य कल्याण योजनाओं की पहुंच से बाहर रह जाता है।",
      "benefit_amount_hi": "₹1,000/माह",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Justice, Government of Kerala"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "samaswasam-kerala",
      "code": "SS-KL-HLT-002",
      "name": "Samaswasam",
      "category": "health-wellness",
      "official_url": "https://socialsecuritymission.gov.in",
      "summary": "Financial support for Kerala BPL patients with serious chronic conditions, split into two components: Samaswasam I gives ₹1,100 a month to patients on regular dialysis for kidney failure, while Samaswasam II supports kidney or liver transplant patients — ongoing costs that health insurance schemes with an annual cap often don't fully absorb for a condition requiring treatment month after month.",
      "benefit_amount": "₹1,100/month (dialysis) + transplant support (Samaswasam II)",
      "name_hi": "സമാശ്വാസം (समाश्वासम)",
      "summary_hi": "गंभीर दीर्घकालिक स्थितियों वाले केरल के BPL मरीज़ों के लिए वित्तीय सहायता, दो घटकों में विभाजित: समाश्वासम I किडनी फेलियर के लिए नियमित डायलिसिस पर मरीज़ों को ₹1,100 प्रति माह देता है, जबकि समाश्वासम II किडनी या लिवर प्रत्यारोपण मरीज़ों की सहायता करता है — चालू लागत जिन्हें वार्षिक सीमा वाली स्वास्थ्य बीमा योजनाएं अक्सर महीने-दर-महीने इलाज की ज़रूरत वाली स्थिति के लिए पूरी तरह अवशोषित नहीं करतीं।",
      "benefit_amount_hi": "₹1,100/माह (डायलिसिस) + प्रत्यारोपण सहायता (समाश्वासम II)",
      "last_verified": "2026-09-24",
      "ministry": "Kerala Social Security Mission, Government of Kerala"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "medisep-kerala",
      "code": "SS-KL-HLT-003",
      "name": "MEDISEP (Medical Insurance Scheme for State Employees and Pensioners)",
      "category": "health-wellness",
      "official_url": "https://medisep.kerala.gov.in",
      "summary": "Comprehensive health insurance for Kerala's state government employees and pensioners, launched in July 2022 — covering newly recruited employees and their families, part-time staff, aided-school and college employees, pensioners, and family pensioners, consolidating what used to be a patchwork of medical reimbursement rules into one insurance-based system.",
      "benefit_amount": "Comprehensive cashless health insurance (state employees & pensioners)",
      "name_hi": "MEDISEP (राज्य कर्मचारियों एवं पेंशनभोगियों के लिए चिकित्सा बीमा योजना)",
      "summary_hi": "केरल के राज्य सरकार कर्मचारियों और पेंशनभोगियों के लिए व्यापक स्वास्थ्य बीमा, जुलाई 2022 में शुरू — नए भर्ती कर्मचारियों और उनके परिवारों, अंशकालिक कर्मचारियों, सहायता प्राप्त स्कूल एवं कॉलेज कर्मचारियों, पेंशनभोगियों, और पारिवारिक पेंशनभोगियों को कवर करते हुए, जो पहले चिकित्सा प्रतिपूर्ति नियमों की एक बिखरी हुई प्रणाली थी उसे एक बीमा-आधारित प्रणाली में समेकित करते हुए।",
      "benefit_amount_hi": "व्यापक कैशलेस स्वास्थ्य बीमा (राज्य कर्मचारी एवं पेंशनभोगी)",
      "last_verified": "2026-09-24",
      "ministry": "Finance Department, Government of Kerala",
      "launched": "1 July 2022"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "ayyankali-urban-employment-guarantee",
      "code": "SS-KL-SKL-001",
      "name": "Ayyankali Urban Employment Guarantee Scheme",
      "category": "skills-employment",
      "official_url": "https://lsgkerala.gov.in",
      "summary": "Named after the social reformer Ayyankali, this is Kerala's urban counterpart to MGNREGA's rural job guarantee — adult members of eligible urban households can get guaranteed unskilled manual work on local public projects, addressing the gap MGNREGA's rural-only design leaves in Kerala's towns and cities.",
      "benefit_amount": "Guaranteed wage employment (urban households)",
      "name_hi": "അയ്യൻകാളി നഗര തൊഴിലുറപ്പ് പദ്ധതി (अय्यनकाली शहरी रोजगार गारंटी योजना)",
      "summary_hi": "सामाजिक सुधारक अय्यनकाली के नाम पर, यह मनरेगा की ग्रामीण रोजगार गारंटी का केरल का शहरी समकक्ष है — पात्र शहरी परिवारों के वयस्क सदस्य स्थानीय सार्वजनिक परियोजनाओं पर गारंटीकृत अकुशल शारीरिक कार्य पा सकते हैं, उस कमी को संबोधित करते हुए जो मनरेगा का केवल-ग्रामीण ढांचा केरल के शहरों और कस्बों में छोड़ता है।",
      "benefit_amount_hi": "गारंटीकृत सशुल्क रोजगार (शहरी परिवार)",
      "last_verified": "2026-09-24",
      "ministry": "Local Self Government Department, Government of Kerala"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "kerala-free-bus-travel-women",
      "code": "SS-KL-TRN-001",
      "name": "Free Bus Travel for Women (KSRTC)",
      "category": "transport-infrastructure",
      "official_url": "https://ksrtc.kerala.gov.in",
      "summary": "Free travel for women on KSRTC buses, delivered by Kerala's new government within its first month in office in 2026 as part of its 'Indira Guarantee' election promises — joining a wave of similar free-bus schemes for women that several Indian states have introduced in recent years.",
      "benefit_amount": "Free travel on KSRTC buses",
      "name_hi": "വനിതകൾക്ക് സൗജന്യ ബസ് യാത്ര (महिलाओं के लिए मुफ्त बस यात्रा, KSRTC)",
      "summary_hi": "2026 में पदभार संभालने के पहले महीने के भीतर केरल की नई सरकार द्वारा अपने 'इंदिरा गारंटी' चुनावी वादों के हिस्से के रूप में दी गई, KSRTC बसों में महिलाओं के लिए मुफ्त यात्रा — हाल के वर्षों में कई भारतीय राज्यों द्वारा शुरू की गई महिलाओं के लिए इसी तरह की मुफ्त-बस योजनाओं की लहर में शामिल होते हुए।",
      "benefit_amount_hi": "KSRTC बसों में मुफ्त यात्रा",
      "last_verified": "2026-09-24",
      "ministry": "Kerala State Road Transport Corporation (KSRTC)"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "kerala-bocw-welfare-board",
      "code": "SS-KL-SKL-002",
      "name": "Kerala BOCW Welfare Board (Kerala Construction Workers Welfare Board)",
      "category": "skills-employment",
      "official_url": "https://www.kbocwwb.kerala.gov.in",
      "summary": "Registration with Kerala's construction workers' welfare board gives masons, labourers and other construction trades access to accident and death insurance, a pension, education support for children, and maternity benefits — funded through a cess collected on construction projects statewide, for a workforce that otherwise has almost no institutional safety net.",
      "benefit_amount": "Accident/death insurance + pension + education support + maternity benefit",
      "name_hi": "കേരള നിർമ്മാണ തൊഴിലാളി ക്ഷേമ ബോർഡ് (केरल निर्माण श्रमिक कल्याण बोर्ड)",
      "summary_hi": "केरल के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण व्यवसायों को दुर्घटना एवं मृत्यु बीमा, पेंशन, बच्चों के लिए शिक्षा सहायता, और मातृत्व लाभ तक पहुंच देता है — राज्य भर की निर्माण परियोजनाओं पर एकत्रित उपकर से वित्तपोषित, एक ऐसे कार्यबल के लिए जिसके पास अन्यथा लगभग कोई संस्थागत सुरक्षा जाल नहीं होता।",
      "benefit_amount_hi": "दुर्घटना/मृत्यु बीमा + पेंशन + शिक्षा सहायता + मातृत्व लाभ",
      "last_verified": "2026-09-24",
      "ministry": "Kerala Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "e-grantz-scholarship-kerala",
      "code": "SS-KL-EDU-002",
      "name": "E-Grantz Scholarship",
      "category": "education-learning",
      "official_url": "https://egrantz.kerala.gov.in",
      "summary": "Kerala's unified digital scholarship platform for SC, ST, OBC and OEC students, consolidating what used to be multiple separate scholarship processes into one portal covering pre-matric and post-matric education — tuition fee reimbursement (often full fee waiver for SC/ST students in government and aided institutions) plus a monthly stipend of ₹150-1,500 depending on category and course. Over 3 lakh students have used the system since its 2021 launch.",
      "benefit_amount": "Tuition fee reimbursement + ₹150–₹1,500/month stipend",
      "name_hi": "ഇ-ഗ്രാന്റ്സ് സ്കോളർഷിപ്പ് (ई-ग्रांट्ज़ छात्रवृत्ति)",
      "summary_hi": "SC, ST, OBC और OEC विद्यार्थियों के लिए केरल का एकीकृत डिजिटल छात्रवृत्ति मंच, जो पहले कई अलग-अलग छात्रवृत्ति प्रक्रियाओं को प्री-मैट्रिक और पोस्ट-मैट्रिक शिक्षा को कवर करने वाले एक पोर्टल में समेकित करता है — ट्यूशन फीस प्रतिपूर्ति (सरकारी और सहायता प्राप्त संस्थानों में SC/ST विद्यार्थियों के लिए अक्सर पूरी फीस माफी) साथ ही श्रेणी और पाठ्यक्रम के अनुसार ₹150-1,500 प्रति माह वजीफा। 2021 में शुरुआत के बाद से 3 लाख से अधिक विद्यार्थियों ने इस प्रणाली का उपयोग किया है।",
      "benefit_amount_hi": "ट्यूशन फीस प्रतिपूर्ति + ₹150–₹1,500/माह वजीफा",
      "last_verified": "2026-09-24",
      "ministry": "Higher Education Department, Government of Kerala"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "kerala-fisher-welfare-board",
      "code": "SS-KL-SKL-003",
      "name": "Kerala Fisher Welfare Board",
      "category": "skills-employment",
      "official_url": "https://matsyafed.in",
      "summary": "Registration with Kerala's fisher welfare system — run through Matsyafed and the Fisher Welfare Board — gives the state's large coastal fishing community sea accident insurance, a pension from age 60, a daughter's marriage grant, education support and maternity benefits, alongside Matsyafed's separate role supplying subsidised fishing inputs and running beach-level auctions to get fishermen a fairer price for their catch.",
      "benefit_amount": "Sea accident insurance + pension (60+) + ₹1L marriage grant + education + maternity",
      "name_hi": "കേരള മത്സ്യത്തൊഴിലാളി ക്ഷേമ ബോർഡ് (केरल मत्स्य श्रमिक कल्याण बोर्ड)",
      "summary_hi": "मत्स्यफेड और मत्स्य श्रमिक कल्याण बोर्ड के माध्यम से चलने वाली केरल की मत्स्य कल्याण प्रणाली में पंजीकरण राज्य के बड़े तटीय मछुआरा समुदाय को समुद्री दुर्घटना बीमा, 60 वर्ष की आयु से पेंशन, बेटी के विवाह के लिए अनुदान, शिक्षा सहायता और मातृत्व लाभ देता है, साथ ही सब्सिडी वाले मछली पकड़ने के इनपुट की आपूर्ति और मछुआरों को उनकी पकड़ के लिए उचित मूल्य दिलाने हेतु बीच-स्तरीय नीलामी चलाने में मत्स्यफेड की अलग भूमिका।",
      "benefit_amount_hi": "समुद्री दुर्घटना बीमा + पेंशन (60+) + ₹1L विवाह अनुदान + शिक्षा + मातृत्व",
      "last_verified": "2026-09-24",
      "ministry": "Matsyafed / Kerala Fisher Welfare Board"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "kerala-unorganised-workers-welfare-fund",
      "code": "SS-KL-SWE-003",
      "name": "Kerala Unorganised Workers Welfare Funds",
      "category": "social-welfare-empowerment",
      "official_url": "https://lsgkerala.gov.in",
      "summary": "Rather than one generic unorganised-worker scheme, Kerala runs more than 25 sector-specific welfare fund boards — covering everything from headload workers to toddy tappers to autorickshaw drivers — each with its own pension, insurance, medical, education and marriage-assistance benefits tailored to that occupation's particular risks and needs.",
      "benefit_amount": "₹1,200–₹1,600/month pension + insurance + medical + education + marriage benefits (by sector)",
      "name_hi": "കേരള അസംഘടിത തൊഴിലാളി ക്ഷേമനിധി (केरल असंगठित श्रमिक कल्याण निधि)",
      "summary_hi": "एक सामान्य असंगठित-श्रमिक योजना के बजाय, केरल 25 से अधिक क्षेत्र-विशिष्ट कल्याण निधि बोर्ड चलाता है — हेडलोड श्रमिकों से लेकर ताड़ी निकालने वालों से लेकर ऑटोरिक्शा चालकों तक सब कुछ कवर करते हुए — हर एक की अपनी पेंशन, बीमा, चिकित्सा, शिक्षा और विवाह-सहायता लाभ उस व्यवसाय के विशेष जोखिमों और ज़रूरतों के अनुरूप।",
      "benefit_amount_hi": "₹1,200–₹1,600/माह पेंशन + बीमा + चिकित्सा + शिक्षा + विवाह लाभ (क्षेत्र अनुसार)",
      "last_verified": "2026-09-24",
      "ministry": "Labour Department, Government of Kerala"
    },
    {
      "level": "state",
      "state": "Kerala",
      "slug": "arogyakeralam-scheme",
      "code": "SS-KL-HLT-004",
      "name": "Arogyakeralam",
      "category": "health-wellness",
      "official_url": "https://arogyakeralam.gov.in",
      "summary": "A public-health programme focused on non-communicable disease screening and primary-care access across Kerala's health centres — distinct from KASP's hospitalisation insurance and Samaswasam's chronic-illness support, Arogyakeralam works upstream of hospitalisation, aiming to catch conditions like diabetes and hypertension early through routine screening at the primary-care level.",
      "benefit_amount": "Free NCD screening + primary healthcare access",
      "name_hi": "ആരോഗ്യകേരളം (आरोग्यकेरलम)",
      "summary_hi": "केरल के स्वास्थ्य केंद्रों में गैर-संचारी रोग जांच और प्राथमिक-देखभाल पहुंच पर केंद्रित एक सार्वजनिक-स्वास्थ्य कार्यक्रम — KASP के अस्पताल-भर्ती बीमा और समाश्वासम की दीर्घकालिक-बीमारी सहायता से अलग, आरोग्यकेरलम अस्पताल में भर्ती होने से पहले काम करता है, प्राथमिक-देखभाल स्तर पर नियमित जांच के ज़रिए मधुमेह और उच्च रक्तचाप जैसी स्थितियों को जल्दी पकड़ने का लक्ष्य रखते हुए।",
      "benefit_amount_hi": "मुफ्त NCD जांच + प्राथमिक स्वास्थ्य सेवा पहुंच",
      "last_verified": "2026-09-24",
      "ministry": "National Health Mission, Government of Kerala"
    },
    {
      "level": "state",
      "state": "Delhi (NCT)",
      "slug": "delhi-free-electricity-scheme",
      "code": "SS-DL-UTL-001",
      "name": "Delhi Free Electricity Scheme (Zero Bill)",
      "category": "utility-sanitation",
      "official_url": "https://delhi.gov.in",
      "summary": "A zero electricity bill for Delhi households using up to 200 units a month, with a 50% subsidy on consumption between 201-400 units. Running since 2015 and confirmed continuing under the current BJP government, which has committed to not discontinuing existing welfare schemes — about 22 lakh households currently get a zero bill.",
      "benefit_amount": "Free up to 200 units/month; 50% subsidy on 201-400 units",
      "name_hi": "दिल्ली मुफ्त बिजली योजना (शून्य बिल)",
      "summary_hi": "दिल्ली के उन परिवारों के लिए शून्य बिजली बिल जो महीने में 200 यूनिट तक उपयोग करते हैं, 201-400 यूनिट के बीच उपयोग पर 50% सब्सिडी के साथ। 2015 से चल रही और वर्तमान भाजपा सरकार के तहत जारी रहने की पुष्टि, जिसने मौजूदा कल्याण योजनाओं को बंद न करने की प्रतिबद्धता जताई है — वर्तमान में लगभग 22 लाख परिवारों को शून्य बिल मिलता है।",
      "benefit_amount_hi": "200 यूनिट/माह तक मुफ्त; 201-400 यूनिट पर 50% सब्सिडी",
      "last_verified": "2026-09-24",
      "ministry": "Delhi Power Department, Government of NCT of Delhi"
    },
    {
      "level": "state",
      "state": "Delhi (NCT)",
      "slug": "delhi-free-water-scheme",
      "code": "SS-DL-UTL-002",
      "name": "Delhi Free Water Scheme (20 KL)",
      "category": "utility-sanitation",
      "official_url": "https://delhi.gov.in",
      "summary": "Free water supply from the Delhi Jal Board for households with a functional water meter consuming up to 20,000 litres (20 KL) a month — running since 2015 across all of Delhi including NDMC areas, and confirmed continuing under the current government as of mid-2026.",
      "benefit_amount": "Free water up to 20,000 litres (20 KL)/month",
      "name_hi": "दिल्ली मुफ्त जल योजना (20 KL)",
      "summary_hi": "कार्यशील जल मीटर वाले उन परिवारों के लिए दिल्ली जल बोर्ड से मुफ्त पानी आपूर्ति जो महीने में 20,000 लीटर (20 KL) तक उपयोग करते हैं — 2015 से NDMC क्षेत्रों सहित पूरे दिल्ली में चल रही, और 2026 के मध्य तक वर्तमान सरकार के तहत जारी रहने की पुष्टि।",
      "benefit_amount_hi": "20,000 लीटर (20 KL)/माह तक मुफ्त पानी",
      "last_verified": "2026-09-24",
      "ministry": "Delhi Jal Board, Government of NCT of Delhi"
    },
    {
      "level": "state",
      "state": "Delhi (NCT)",
      "slug": "delhi-saheli-pink-smart-card",
      "code": "SS-DL-TRN-001",
      "name": "Saheli Pink Smart Card (Free Bus Travel for Women)",
      "category": "transport-infrastructure",
      "official_url": "https://dtc.delhi.gov.in",
      "summary": "Free travel on DTC and Cluster buses for women and transgender residents of Delhi, running since 2019 as the 'Pink Ticket' scheme and over 1,530 million tickets used to date. The paper Pink Ticket system is being phased out in favour of the digital Saheli Pink Smart Card, launched 2 March 2026, though the paper ticket remained usable through mid-September 2026 during the transition.",
      "benefit_amount": "Free travel on DTC and Cluster buses",
      "name_hi": "सहेली पिंक स्मार्ट कार्ड (महिलाओं के लिए मुफ्त बस यात्रा)",
      "summary_hi": "दिल्ली की महिलाओं और ट्रांसजेंडर निवासियों के लिए DTC और क्लस्टर बसों में मुफ्त यात्रा, 2019 से 'पिंक टिकट' योजना के रूप में चल रही और आज तक 1,530 मिलियन से अधिक टिकट उपयोग हो चुके हैं। कागज़ी पिंक टिकट प्रणाली को धीरे-धीरे डिजिटल सहेली पिंक स्मार्ट कार्ड से बदला जा रहा है, 2 मार्च 2026 को शुरू, हालांकि संक्रमण के दौरान कागज़ी टिकट सितंबर 2026 के मध्य तक उपयोग योग्य रहा।",
      "benefit_amount_hi": "DTC और क्लस्टर बसों में मुफ्त यात्रा",
      "last_verified": "2026-09-24",
      "ministry": "Delhi Transport Corporation (DTC)"
    },
    {
      "level": "state",
      "state": "Delhi (NCT)",
      "slug": "ayushman-arogya-mandir-delhi",
      "code": "SS-DL-HLT-002",
      "name": "Ayushman Arogya Mandir (formerly Mohalla Clinic)",
      "category": "health-wellness",
      "official_url": "https://health.delhi.gov.in",
      "summary": "Free primary healthcare and diagnostic tests at neighbourhood-level centres across Delhi. Renamed from the AAP government's Mohalla Clinics (launched 2015, 553 clinics at peak) to Ayushman Arogya Mandir under the current BJP government, aligning with the central Ayushman Bharat scheme. The pace and scale of the actual conversion has been politically disputed — the opposition alleges many 'new' centres are simply repainted existing clinics — so treat claimed conversion numbers as contested rather than settled.",
      "benefit_amount": "Free primary healthcare + diagnostic tests",
      "name_hi": "आयुष्मान आरोग्य मंदिर (पूर्व नाम: मोहल्ला क्लिनिक)",
      "summary_hi": "दिल्ली भर के पड़ोस-स्तरीय केंद्रों पर मुफ्त प्राथमिक स्वास्थ्य सेवा और जांच। AAP सरकार के मोहल्ला क्लिनिक (2015 में शुरू, चरम पर 553 क्लिनिक) से वर्तमान भाजपा सरकार के तहत आयुष्मान आरोग्य मंदिर नाम बदला गया, केंद्रीय आयुष्मान भारत योजना के साथ तालमेल बिठाते हुए। वास्तविक रूपांतरण की गति और पैमाना राजनीतिक रूप से विवादित रहा है — विपक्ष का आरोप है कि कई 'नए' केंद्र केवल दोबारा रंगे गए मौजूदा क्लिनिक हैं — इसलिए दावा किए गए रूपांतरण आंकड़ों को तय के बजाय विवादित मानें।",
      "benefit_amount_hi": "मुफ्त प्राथमिक स्वास्थ्य सेवा + जांच",
      "last_verified": "2026-09-24",
      "ministry": "Department of Health and Family Welfare, Government of NCT of Delhi"
    },
    {
      "level": "state",
      "state": "Delhi (NCT)",
      "slug": "delhi-lakhpati-bitiya-yojana",
      "code": "SS-DL-WMC-002",
      "name": "Delhi Lakhpati Bitiya Yojana (formerly Ladli Scheme)",
      "category": "women-child",
      "official_url": "https://wcd.delhi.gov.in",
      "summary": "A savings scheme for girl children in Delhi, with funds deposited from birth through graduation, maturing into a payout of ₹1.20 lakh. Announced in the March 2026 Delhi budget, replacing the earlier AAP-era Ladli Scheme — detailed instalment amounts and the application process were still being finalised as of this writing, so confirm current operational details before applying.",
      "benefit_amount": "₹1,20,000 maturity payout (birth to graduation)",
      "name_hi": "दिल्ली लखपति बिटिया योजना (पूर्व नाम: लाडली योजना)",
      "summary_hi": "दिल्ली की बालिकाओं के लिए बचत योजना, जन्म से स्नातक तक धनराशि जमा होती है, ₹1.20 लाख के भुगतान में परिपक्व होती है। मार्च 2026 के दिल्ली बजट में घोषित, पहले की AAP-युग की लाडली योजना की जगह — विस्तृत किस्त राशि और आवेदन प्रक्रिया इस लेखन तक अंतिम रूप ले रही थी, इसलिए आवेदन करने से पहले वर्तमान परिचालन विवरण की पुष्टि करें।",
      "benefit_amount_hi": "₹1,20,000 परिपक्वता भुगतान (जन्म से स्नातक तक)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Women and Child Development, Government of NCT of Delhi"
    },
    {
      "level": "state",
      "state": "Delhi (NCT)",
      "slug": "delhi-free-solar-panel-scheme",
      "code": "SS-DL-UTL-003",
      "name": "Delhi Free Solar Panel Scheme",
      "category": "utility-sanitation",
      "official_url": "https://pmsuryaghar.gov.in",
      "summary": "A free 3 kW rooftop solar installation for Delhi households using up to 400 units of electricity a month, with the Centre and Delhi government each contributing ₹78,000 toward the typical ₹1.6-1.8 lakh system cost, plus five years of free maintenance. Existing electricity subsidies (200 free units, 50% subsidy to 400) continue unaffected alongside the solar benefit. Target is 2.30 lakh households by March 2027.",
      "benefit_amount": "Free 3 kW rooftop solar system + 5 years maintenance",
      "name_hi": "दिल्ली मुफ्त सोलर पैनल योजना",
      "summary_hi": "महीने में 400 यूनिट तक बिजली उपयोग करने वाले दिल्ली के परिवारों के लिए मुफ्त 3 kW रूफटॉप सोलर स्थापना, केंद्र और दिल्ली सरकार दोनों सामान्य ₹1.6-1.8 लाख सिस्टम लागत में से प्रत्येक ₹78,000 का योगदान देते हैं, साथ ही पांच साल का मुफ्त रखरखाव। मौजूदा बिजली सब्सिडी (200 मुफ्त यूनिट, 400 तक 50% सब्सिडी) सोलर लाभ के साथ बिना प्रभावित जारी रहती है। लक्ष्य मार्च 2027 तक 2.30 लाख परिवार है।",
      "benefit_amount_hi": "मुफ्त 3 kW रूफटॉप सोलर सिस्टम + 5 वर्ष रखरखाव",
      "last_verified": "2026-09-24",
      "ministry": "Delhi Power Department, in convergence with PM Surya Ghar: Muft Bijli Yojana"
    },
    {
      "level": "state",
      "state": "Delhi (NCT)",
      "slug": "delhi-old-age-pension-scheme",
      "code": "SS-DL-SWE-001",
      "name": "Delhi Old Age Pension Scheme",
      "category": "social-welfare-empowerment",
      "official_url": "https://edistrict.delhigovt.nic.in",
      "summary": "A monthly pension for Delhi's elderly residents without an adequate income source, revised for 2025-26 to ₹2,500 a month for those aged 60-69 and ₹3,000 a month for those 70 and above — a state-level supplement on top of the central IGNOAPS pension. Requires 5 years of continuous Delhi residency and family income under ₹1 lakh a year.",
      "benefit_amount": "₹2,500/month (age 60-69) / ₹3,000/month (age 70+)",
      "name_hi": "दिल्ली वृद्धावस्था पेंशन योजना",
      "summary_hi": "पर्याप्त आय स्रोत न रखने वाले दिल्ली के बुज़ुर्ग निवासियों के लिए मासिक पेंशन, 2025-26 के लिए संशोधित कर 60-69 वर्ष वालों के लिए ₹2,500 और 70 वर्ष व उससे अधिक वालों के लिए ₹3,000 प्रति माह — केंद्रीय IGNOAPS पेंशन के ऊपर राज्य-स्तरीय अतिरिक्त सहायता। 5 वर्ष निरंतर दिल्ली निवास और पारिवारिक आय ₹1 लाख प्रति वर्ष से कम आवश्यक।",
      "benefit_amount_hi": "₹2,500/माह (60-69 वर्ष) / ₹3,000/माह (70+ वर्ष)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare, Government of NCT of Delhi"
    },
    {
      "level": "state",
      "state": "Delhi (NCT)",
      "slug": "delhi-free-cycle-scheme-girls",
      "code": "SS-DL-EDU-002",
      "name": "Delhi Free Cycle Scheme for Class 9 Girls",
      "category": "education-learning",
      "official_url": "https://edudel.nic.in",
      "summary": "A free bicycle for girl students in Class 9 at Delhi government schools, announced in the March 2026 budget with ₹90 crore allocated to reach around 1.30 lakh students — aimed at the same daily-commute barrier that similar bicycle schemes in other states target, particularly for girls travelling longer distances to secondary school.",
      "benefit_amount": "One free bicycle for Class 9 girl students",
      "name_hi": "दिल्ली कक्षा 9 छात्राओं के लिए मुफ्त साइकिल योजना",
      "summary_hi": "दिल्ली के सरकारी स्कूलों की कक्षा 9 की छात्राओं के लिए मुफ्त साइकिल, मार्च 2026 के बजट में घोषित, लगभग 1.30 लाख छात्राओं तक पहुंचने के लिए ₹90 करोड़ आवंटित — उसी दैनिक आवागमन बाधा को लक्षित करते हुए जिसे अन्य राज्यों की समान साइकिल योजनाएं लक्षित करती हैं, विशेष रूप से माध्यमिक विद्यालय के लिए लंबी दूरी तय करने वाली लड़कियों के लिए।",
      "benefit_amount_hi": "कक्षा 9 की छात्राओं के लिए एक मुफ्त साइकिल",
      "last_verified": "2026-09-24",
      "ministry": "Directorate of Education, Government of NCT of Delhi"
    },
    {
      "level": "state",
      "state": "Delhi (NCT)",
      "slug": "jai-bhim-mukhyamantri-pratibha-vikas-yojana",
      "code": "SS-DL-EDU-003",
      "name": "Jai Bhim Mukhyamantri Pratibha Vikas Yojana",
      "category": "education-learning",
      "official_url": "https://scstrc.delhi.gov.in",
      "summary": "Free coaching at empanelled institutes for SC, ST and economically weaker students in Delhi preparing for competitive exams — civil services, engineering and medical entrance, banking and similar — plus a ₹2,500 monthly stipend to cover living costs while attending coaching, run by the Delhi SC/ST/OBC Financial and Development Corporation.",
      "benefit_amount": "Free competitive-exam coaching + ₹2,500/month stipend",
      "name_hi": "जय भीम मुख्यमंत्री प्रतिभा विकास योजना",
      "summary_hi": "दिल्ली के SC, ST और आर्थिक रूप से कमज़ोर विद्यार्थियों के लिए सूचीबद्ध संस्थानों में मुफ्त कोचिंग, जो प्रतियोगी परीक्षाओं — सिविल सेवा, इंजीनियरिंग एवं मेडिकल प्रवेश, बैंकिंग और इसी तरह — की तैयारी कर रहे हैं, साथ ही कोचिंग में शामिल होने के दौरान जीवन-यापन लागत को कवर करने के लिए ₹2,500 मासिक वजीफा, दिल्ली SC/ST/OBC वित्तीय एवं विकास निगम द्वारा संचालित।",
      "benefit_amount_hi": "मुफ्त प्रतियोगी परीक्षा कोचिंग + ₹2,500/माह वजीफा",
      "last_verified": "2026-09-24",
      "ministry": "Delhi SC/ST/OBC Financial and Development Corporation"
    },
    {
      "level": "state",
      "state": "Delhi (NCT)",
      "slug": "delhi-bocw-welfare-board",
      "code": "SS-DL-SKL-001",
      "name": "Delhi Building and Other Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://bocw.delhi.gov.in",
      "summary": "Registration with Delhi's construction workers' welfare board unlocks one of the more detailed benefit packages among Indian state boards: a ₹3,000 monthly pension from age 60, ₹51,000 for a registered female member's marriage, ₹30,000 maternity benefit, medical assistance up to ₹10,000, a ₹2 lakh accident-death benefit, and disability pension with a ₹1 lakh ex-gratia payment — funded through a cess collected on Delhi construction projects.",
      "benefit_amount": "₹3,000/month pension (60+) + marriage ₹51,000 + maternity ₹30,000 + accident death ₹2L",
      "name_hi": "दिल्ली भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड",
      "summary_hi": "दिल्ली के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण भारतीय राज्य बोर्डों में अधिक विस्तृत लाभ पैकेजों में से एक खोलता है: 60 वर्ष की आयु से ₹3,000 मासिक पेंशन, पंजीकृत महिला सदस्य की शादी के लिए ₹51,000, ₹30,000 मातृत्व लाभ, ₹10,000 तक चिकित्सा सहायता, ₹2 लाख दुर्घटना-मृत्यु लाभ, और ₹1 लाख एकमुश्त भुगतान के साथ दिव्यांगता पेंशन — दिल्ली निर्माण परियोजनाओं पर एकत्रित उपकर से वित्तपोषित।",
      "benefit_amount_hi": "₹3,000/माह पेंशन (60+) + विवाह ₹51,000 + मातृत्व ₹30,000 + दुर्घटना मृत्यु ₹2L",
      "last_verified": "2026-09-24",
      "ministry": "Delhi Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Delhi (NCT)",
      "slug": "delhi-disability-pension-scheme",
      "code": "SS-DL-SWE-002",
      "name": "Delhi Disability Pension Scheme",
      "category": "social-welfare-empowerment",
      "official_url": "https://edistrict.delhigovt.nic.in",
      "summary": "A monthly pension of ₹2,500 for persons with disabilities in Delhi, covering a wide range of conditions — blindness, deafness, cerebral palsy, autism, mental illness, muscular dystrophy, multiple disabilities and other notified conditions — run by the Department of Social Welfare to support independence and reduce reliance on family for basic living costs.",
      "benefit_amount": "₹2,500/month",
      "name_hi": "दिल्ली दिव्यांगता पेंशन योजना",
      "summary_hi": "दिल्ली के दिव्यांग व्यक्तियों के लिए ₹2,500 मासिक पेंशन, स्थितियों की एक विस्तृत श्रृंखला को कवर करती है — अंधापन, बहरापन, सेरेब्रल पाल्सी, ऑटिज़्म, मानसिक बीमारी, मस्कुलर डिस्ट्रॉफी, बहु-दिव्यांगता और अन्य अधिसूचित स्थितियां — स्वतंत्रता का समर्थन करने और बुनियादी जीवन-यापन लागत के लिए परिवार पर निर्भरता कम करने हेतु सामाजिक कल्याण विभाग द्वारा संचालित।",
      "benefit_amount_hi": "₹2,500/माह",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare, Government of NCT of Delhi"
    },
    {
      "level": "state",
      "state": "Odisha",
      "slug": "subhadra-yojana-odisha",
      "code": "SS-OD-WMC-001",
      "name": "Subhadra Yojana",
      "category": "women-child",
      "official_url": "https://subhadra.odisha.gov.in",
      "summary": "Odisha's largest single women-focused welfare scheme: ₹10,000 a year (₹50,000 over five years, 2024-2029) for eligible women aged 21-60, paid in two instalments around Raksha Bandhan and International Women's Day. Launched by PM Modi on 17 September 2024, it's a genuine BJP-government creation rather than a renamed scheme, and had reached its fifth instalment and over 1.03 crore women by August 2026.",
      "benefit_amount": "₹10,000/year (₹50,000 over 5 years), 2 instalments",
      "name_hi": "ସୁଭଦ୍ରା ଯୋଜନା (सुभद्रा योजना)",
      "summary_hi": "ओडिशा की सबसे बड़ी एकल महिला-केंद्रित कल्याण योजना: 21-60 वर्ष की पात्र महिलाओं के लिए साल में ₹10,000 (2024-2029 के पांच वर्षों में ₹50,000), रक्षाबंधन और अंतरराष्ट्रीय महिला दिवस के आसपास दो किस्तों में भुगतान। 17 सितंबर 2024 को प्रधानमंत्री मोदी द्वारा शुरू, यह किसी नाम बदली योजना के बजाय एक वास्तविक भाजपा-सरकार निर्मित योजना है, और अगस्त 2026 तक अपनी पांचवीं किस्त और 1.03 करोड़ से अधिक महिलाओं तक पहुंच चुकी थी।",
      "benefit_amount_hi": "₹10,000/वर्ष (5 वर्षों में ₹50,000), 2 किस्तें",
      "last_verified": "2026-09-24",
      "ministry": "Women and Child Development Department, Government of Odisha",
      "launched": "17 September 2024 by PM Modi"
    },
    {
      "level": "state",
      "state": "Odisha",
      "slug": "gopabandhu-jan-arogya-yojana",
      "code": "SS-OD-HLT-002",
      "name": "Gopabandhu Jan Arogya Yojana (formerly Biju Swasthya Kalyan Yojana)",
      "category": "health-wellness",
      "official_url": "https://gjay.odisha.gov.in",
      "summary": "Cashless health cover of ₹5 lakh a year per family, rising to ₹10 lakh where the primary member is a woman, at empanelled hospitals across Odisha. Renamed from Biju Swasthya Kalyan Yojana (BSKY) after the BJD government lost power in 2024, and integrated with the central Ayushman Bharat scheme from January 2025. The transition has caused real friction reported by beneficiaries — some hospitals that previously accepted BSKY are not accepting the renamed scheme, and Ayushman Bharat's own criteria add restrictions BSKY didn't have — so confirm coverage at your specific hospital before assuming a smooth transition.",
      "benefit_amount": "₹5,00,000/family/year (₹10,00,000 where woman is primary member)",
      "name_hi": "ଗୋପବନ୍ଧୁ ଜନ ଆରୋଗ୍ୟ ଯୋଜନା (गोपबंधु जन आरोग्य योजना, पूर्व नाम: बीजू स्वास्थ्य कल्याण योजना)",
      "summary_hi": "ओडिशा भर के सूचीबद्ध अस्पतालों में प्रति परिवार साल में ₹5 लाख का कैशलेस स्वास्थ्य कवर, जहां मुख्य सदस्य महिला हो वहां ₹10 लाख तक बढ़ता हुआ। 2024 में BJD सरकार सत्ता खोने के बाद बीजू स्वास्थ्य कल्याण योजना (BSKY) से नाम बदला गया, और जनवरी 2025 से केंद्रीय आयुष्मान भारत योजना के साथ एकीकृत। संक्रमण से लाभार्थियों द्वारा रिपोर्ट की गई वास्तविक कठिनाई हुई है — कुछ अस्पताल जो पहले BSKY स्वीकार करते थे वे नाम बदली योजना स्वीकार नहीं कर रहे, और आयुष्मान भारत के अपने मानदंड ऐसे प्रतिबंध जोड़ते हैं जो BSKY में नहीं थे — इसलिए सुचारू संक्रमण मानने से पहले अपने विशिष्ट अस्पताल पर कवरेज की पुष्टि करें।",
      "benefit_amount_hi": "₹5,00,000/परिवार/वर्ष (महिला मुख्य सदस्य होने पर ₹10,00,000 तक)",
      "last_verified": "2026-09-24",
      "ministry": "Health and Family Welfare Department, Government of Odisha"
    },
    {
      "level": "state",
      "state": "Odisha",
      "slug": "mo-ghara-yojana-odisha",
      "code": "SS-OD-HSG-001",
      "name": "Mo Ghara (My Home) Yojana",
      "category": "housing-shelter",
      "official_url": "https://hudco.odisha.gov.in",
      "summary": "₹1.30 lakh in three instalments for houseless families and those living in kutcha houses who aren't covered under the central PM Awas Yojana — Odisha's own housing scheme, launched in 2024 by CM Mohan Majhi, targeting 45 lakh households with priority for ST, SC, women-headed households, landless families and persons with disabilities.",
      "benefit_amount": "₹1,30,000 in 3 instalments",
      "name_hi": "ମୋ ଘର ଯୋଜନା (मो घर योजना)",
      "summary_hi": "बेघर परिवारों और कच्चे मकान में रहने वालों के लिए तीन किस्तों में ₹1.30 लाख जो केंद्रीय PM आवास योजना के तहत कवर नहीं हैं — ओडिशा की अपनी आवास योजना, 2024 में CM मोहन माझी द्वारा शुरू, 45 लाख परिवारों को लक्षित करती है, ST, SC, महिला-मुखिया परिवारों, भूमिहीन परिवारों और दिव्यांग व्यक्तियों को प्राथमिकता।",
      "benefit_amount_hi": "3 किस्तों में ₹1,30,000",
      "last_verified": "2026-09-24",
      "ministry": "Housing and Urban Development Department, Government of Odisha",
      "launched": "2024"
    },
    {
      "level": "state",
      "state": "Odisha",
      "slug": "mukta-scheme-odisha",
      "code": "SS-OD-SKL-001",
      "name": "MUKTA (Mukhyamantri Karma Tatpara Abhiyan)",
      "category": "skills-employment",
      "official_url": "https://rhodisha.gov.in",
      "summary": "Odisha's urban counterpart to MGNREGA: 100 days of guaranteed paid work a year at ₹288/day for urban poor households — migrant workers and daily-wage labourers get priority — on work like road repair, drainage cleaning, plantation and solid waste management. Launched in 2020 and expanded post-COVID to support returning migrants, with wages paid via DBT within 15 days.",
      "benefit_amount": "100 days guaranteed work/year at ₹288/day",
      "name_hi": "ମୁକ୍ତା (मुक्ता, मुख्यमंत्री कर्म तत्पर अभियान)",
      "summary_hi": "मनरेगा का ओडिशा का शहरी समकक्ष: शहरी गरीब परिवारों के लिए साल में ₹288/दिन पर 100 दिन गारंटीकृत सशुल्क कार्य — प्रवासी श्रमिकों और दैनिक-मज़दूरी श्रमिकों को प्राथमिकता — सड़क मरम्मत, नाली सफाई, वृक्षारोपण और ठोस कचरा प्रबंधन जैसे कार्य पर। 2020 में शुरू और कोविड के बाद लौटने वाले प्रवासियों की सहायता के लिए विस्तारित, मज़दूरी DBT से 15 दिनों के भीतर भुगतान।",
      "benefit_amount_hi": "साल में ₹288/दिन पर 100 दिन गारंटीकृत कार्य",
      "last_verified": "2026-09-24",
      "ministry": "Housing and Urban Development Department, Government of Odisha",
      "launched": "2020, expanded post-COVID"
    },
    {
      "level": "state",
      "state": "Odisha",
      "slug": "khushi-scheme-odisha",
      "code": "SS-OD-HLT-003",
      "name": "Khushi Scheme (Free Sanitary Pads)",
      "category": "health-wellness",
      "official_url": "https://health.odisha.gov.in",
      "summary": "Free sanitary pads for around 1.7 million girl students from Class 6 to 12 at Odisha government and government-aided schools, run by the Health Department since 2018 to support menstrual hygiene and reduce school absenteeism and dropout linked to lack of access to sanitary products.",
      "benefit_amount": "Free sanitary pads (Class 6-12 girl students)",
      "name_hi": "ଖୁସି ଯୋଜନା (खुशी योजना, मुफ्त सैनिटरी पैड)",
      "summary_hi": "ओडिशा के सरकारी और सरकारी-सहायता प्राप्त स्कूलों की कक्षा 6 से 12 की लगभग 1.7 मिलियन छात्राओं के लिए मुफ्त सैनिटरी पैड, 2018 से स्वास्थ्य विभाग द्वारा संचालित, मासिक धर्म स्वच्छता का समर्थन करने और सैनिटरी उत्पादों तक पहुंच की कमी से जुड़ी स्कूल अनुपस्थिति और पढ़ाई छोड़ने को कम करने के लिए।",
      "benefit_amount_hi": "मुफ्त सैनिटरी पैड (कक्षा 6-12 छात्राएं)",
      "last_verified": "2026-09-24",
      "ministry": "Health and Family Welfare Department, Government of Odisha",
      "launched": "2018"
    },
    {
      "level": "state",
      "state": "Odisha",
      "slug": "odisha-employment-scheme-2024",
      "code": "SS-OD-SKL-002",
      "name": "Odisha Employment Scheme 2024",
      "category": "skills-employment",
      "official_url": "https://employment.odisha.gov.in",
      "summary": "Job training and placement assistance for unemployed youth in Odisha, run by the Department of Employment since July 2024 — connecting skill training with actual placement support rather than training alone, though detailed benefit figures and the current application process are best confirmed with your local Employment Exchange given limited independent documentation available.",
      "benefit_amount": "Job training + placement assistance (confirm details with Employment Exchange)",
      "name_hi": "ଓଡ଼ିଶା ନିଯୁକ୍ତି ଯୋଜନା ୨୦୨୪ (ओडिशा नियुक्ति योजना 2024)",
      "summary_hi": "ओडिशा के बेरोजगार युवाओं के लिए नौकरी प्रशिक्षण और प्लेसमेंट सहायता, जुलाई 2024 से रोजगार विभाग द्वारा संचालित — केवल प्रशिक्षण के बजाय कौशल प्रशिक्षण को वास्तविक प्लेसमेंट सहायता से जोड़ते हुए, हालांकि विस्तृत लाभ आंकड़े और वर्तमान आवेदन प्रक्रिया सीमित स्वतंत्र दस्तावेज़ीकरण को देखते हुए अपने स्थानीय रोजगार कार्यालय से पुष्टि करना सबसे अच्छा है।",
      "benefit_amount_hi": "नौकरी प्रशिक्षण + प्लेसमेंट सहायता (रोजगार कार्यालय से विवरण पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Employment, Government of Odisha",
      "launched": "July 2024"
    },
    {
      "level": "state",
      "state": "Odisha",
      "slug": "mukhyamantri-kanya-sumangal-yojana-odisha",
      "code": "SS-OD-WMC-002",
      "name": "Mukhyamantri Kanya Sumangal Yojana",
      "category": "women-child",
      "official_url": "https://wcdodisha.gov.in",
      "summary": "Announced in the Odisha 2026-27 budget, this new scheme is designed as a long-term savings bond for girl children — ₹20,000 deposited at birth, maturing to a payout of up to ₹1,01,001 at graduation. As with several newly announced schemes this budget cycle, the detailed operational guidelines (Standard Operating Procedure) were still awaited at the time of writing, so treat eligibility and application details as provisional until confirmed.",
      "benefit_amount": "₹20,000 at birth, up to ₹1,01,001 at graduation",
      "name_hi": "ମୁଖ୍ୟମନ୍ତ୍ରୀ କନ୍ୟା ସୁମଙ୍ଗଳ ଯୋଜନା (मुख्यमंत्री कन्या सुमंगल योजना)",
      "summary_hi": "ओडिशा 2026-27 बजट में घोषित, यह नई योजना बालिकाओं के लिए दीर्घकालिक बचत बॉन्ड के रूप में डिज़ाइन की गई है — जन्म पर ₹20,000 जमा, स्नातक पर ₹1,01,001 तक के भुगतान में परिपक्व। इस बजट चक्र में कई नई घोषित योजनाओं की तरह, विस्तृत परिचालन दिशानिर्देश (मानक संचालन प्रक्रिया) इस लेखन के समय अभी प्रतीक्षित थे, इसलिए पुष्टि होने तक पात्रता और आवेदन विवरण को अस्थायी मानें।",
      "benefit_amount_hi": "जन्म पर ₹20,000, स्नातक पर ₹1,01,001 तक",
      "last_verified": "2026-09-24",
      "ministry": "Women and Child Development Department, Government of Odisha"
    },
    {
      "level": "state",
      "state": "Odisha",
      "slug": "biju-krushak-kalyan-yojana",
      "code": "SS-OD-AGR-002",
      "name": "Biju Krushak Kalyan Yojana (BKKY)",
      "category": "agriculture-rural-environment",
      "official_url": "https://agri.odisha.gov.in",
      "summary": "Free crop insurance for all farmers in Odisha, filling the gap left when the state opted out of the central PM Fasal Bima Yojana in favour of its own state-funded crop insurance model — farmers get coverage against crop loss without paying a premium themselves.",
      "benefit_amount": "Free crop insurance, no premium",
      "name_hi": "ବିଜୁ କୃଷକ କଲ୍ୟାଣ ଯୋଜନା (बीजू कृषक कल्याण योजना, BKKY)",
      "summary_hi": "ओडिशा के सभी किसानों के लिए मुफ्त फसल बीमा, उस कमी को भरते हुए जो राज्य के केंद्रीय PM फसल बीमा योजना से बाहर निकलकर अपने स्वयं के राज्य-वित्तपोषित फसल बीमा मॉडल को चुनने पर छूटी — किसानों को खुद प्रीमियम चुकाए बिना फसल हानि के विरुद्ध कवरेज मिलता है।",
      "benefit_amount_hi": "मुफ्त फसल बीमा, कोई प्रीमियम नहीं",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture and Farmers' Empowerment, Government of Odisha"
    },
    {
      "level": "state",
      "state": "Odisha",
      "slug": "niramaya-yojana-odisha",
      "code": "SS-OD-HLT-004",
      "name": "Niramaya Yojana (Free Medicines)",
      "category": "health-wellness",
      "official_url": "https://health.odisha.gov.in",
      "summary": "Free generic medicines at government health facilities across Odisha, running alongside the state's broader health insurance schemes to cover the routine medication costs that hospitalisation-focused insurance like GJAY doesn't directly address — a recurring, day-to-day cost for chronic-condition patients in particular.",
      "benefit_amount": "Free generic medicines at government health facilities",
      "name_hi": "ନିରାମୟ ଯୋଜନା (निरामय योजना, मुफ्त दवाइयां)",
      "summary_hi": "ओडिशा भर की सरकारी स्वास्थ्य सुविधाओं में मुफ्त जेनेरिक दवाइयां, राज्य की व्यापक स्वास्थ्य बीमा योजनाओं के साथ-साथ चलती हैं, उन नियमित दवा लागतों को कवर करने के लिए जिन्हें GJAY जैसा अस्पताल-भर्ती-केंद्रित बीमा सीधे संबोधित नहीं करता — विशेष रूप से दीर्घकालिक-स्थिति मरीज़ों के लिए एक आवर्ती, दैनिक लागत।",
      "benefit_amount_hi": "सरकारी स्वास्थ्य सुविधाओं में मुफ्त जेनेरिक दवाइयां",
      "last_verified": "2026-09-24",
      "ministry": "Health and Family Welfare Department, Government of Odisha"
    },
    {
      "level": "state",
      "state": "Odisha",
      "slug": "odisha-bocw-welfare-board",
      "code": "SS-OD-SKL-003",
      "name": "Odisha Building & Other Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://labdirodisha.gov.in",
      "summary": "Registration with Odisha's construction workers' welfare board gives masons, labourers and other construction workers access to accident and death insurance, a pension, education support for children and maternity benefits, funded through a cess collected on construction projects across the state.",
      "benefit_amount": "Accident/death insurance + pension + education + maternity benefit",
      "name_hi": "ଓଡ଼ିଶା ନିର୍ମାଣ ଶ୍ରମିକ କଲ୍ୟାଣ ବୋର୍ଡ (ओडिशा निर्माण श्रमिक कल्याण बोर्ड)",
      "summary_hi": "ओडिशा के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों को दुर्घटना एवं मृत्यु बीमा, पेंशन, बच्चों के लिए शिक्षा सहायता और मातृत्व लाभ तक पहुंच देता है, राज्य भर की निर्माण परियोजनाओं पर एकत्रित उपकर से वित्तपोषित।",
      "benefit_amount_hi": "दुर्घटना/मृत्यु बीमा + पेंशन + शिक्षा + मातृत्व लाभ",
      "last_verified": "2026-09-24",
      "ministry": "Odisha Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Assam",
      "slug": "nijut-moina-scheme-assam",
      "code": "SS-AS-EDU-002",
      "name": "Mukhya Mantrir Nijut Moina Scheme",
      "category": "education-learning",
      "official_url": "https://nijutmoina.assam.gov.in",
      "summary": "Monthly financial assistance for girl students in Assam from Class 9 through post-graduation, aimed squarely at the years when dropout and child-marriage risk are highest — ₹10,000 on joining Class 9, ₹12,500 for first-year undergraduate study, ₹15,000 for post-graduation, plus ongoing monthly stipends up to ₹2,500. Open to girls from all economic backgrounds, launched in the 2024 budget and relaunched as version 2.0 in August 2025.",
      "benefit_amount": "₹10,000–₹15,000 at admission stages + up to ₹2,500/month",
      "name_hi": "মুখ্যমন্ত্ৰীৰ নিজুত ময়না আঁচনি (मुख्यमंत्री निजुत मोइना योजना)",
      "summary_hi": "असम की छात्राओं के लिए कक्षा 9 से स्नातकोत्तर तक मासिक वित्तीय सहायता, ठीक उन वर्षों को लक्षित करते हुए जहां पढ़ाई छोड़ने और बाल विवाह का जोखिम सबसे अधिक होता है — कक्षा 9 में शामिल होने पर ₹10,000, स्नातक के पहले वर्ष के लिए ₹12,500, स्नातकोत्तर के लिए ₹15,000, साथ ही ₹2,500 तक का निरंतर मासिक वजीफा। सभी आर्थिक पृष्ठभूमि की लड़कियों के लिए खुली, 2024 के बजट में शुरू और अगस्त 2025 में संस्करण 2.0 के रूप में दोबारा शुरू।",
      "benefit_amount_hi": "प्रवेश चरणों पर ₹10,000–₹15,000 + ₹2,500/माह तक",
      "last_verified": "2026-09-24",
      "ministry": "Directorate of Elementary Education / Higher Education, Government of Assam",
      "launched": "2024, relaunched 2.0 in Aug 2025"
    },
    {
      "level": "state",
      "state": "Assam",
      "slug": "nijut-babu-asoni-assam",
      "code": "SS-AS-EDU-003",
      "name": "Mukhya Mantrir Nijut Babu Asoni",
      "category": "education-learning",
      "official_url": "https://assam.gov.in",
      "summary": "The male counterpart to Nijut Moina, launched in February 2026 for boys from economically underprivileged backgrounds in Assam — monthly financial assistance for around 47,395 first-year undergraduate and postgraduate students, aimed at preventing dropout among boys the same way Nijut Moina targets it for girls.",
      "benefit_amount": "Monthly financial assistance (1st-year UG/PG boys)",
      "name_hi": "মুখ্যমন্ত্ৰীৰ নিজুত বাবু আঁচনি (मुख्यमंत्री निजुत बाबू आसोनी)",
      "summary_hi": "निजुत मोइना का पुरुष समकक्ष, फरवरी 2026 में असम के आर्थिक रूप से वंचित पृष्ठभूमि के लड़कों के लिए शुरू — लगभग 47,395 पहले वर्ष के स्नातक और स्नातकोत्तर विद्यार्थियों के लिए मासिक वित्तीय सहायता, उसी तरह लड़कों के बीच पढ़ाई छोड़ना रोकने का लक्ष्य जैसे निजुत मोइना लड़कियों के लिए करती है।",
      "benefit_amount_hi": "मासिक वित्तीय सहायता (पहले वर्ष UG/PG लड़के)",
      "last_verified": "2026-09-24",
      "ministry": "Directorate of Higher Education, Government of Assam",
      "launched": "February 2026"
    },
    {
      "level": "state",
      "state": "Assam",
      "slug": "jibon-prerana-scheme-assam",
      "code": "SS-AS-SKL-001",
      "name": "Jibon Prerana Scheme",
      "category": "skills-employment",
      "official_url": "https://assam.gov.in",
      "summary": "₹2,500 a month for one year to nearly 48,319 fresh graduates in Assam, launched February 2026 to give newly graduated students a financial bridge while they search for their first job or plan next steps — support timed to the specific, often financially precarious gap right after graduation.",
      "benefit_amount": "₹2,500/month for 1 year",
      "name_hi": "জীৱন প্ৰেৰণা আঁচনি (जीवन प्रेरणा योजना)",
      "summary_hi": "असम के लगभग 48,319 नए स्नातकों को साल भर के लिए ₹2,500 प्रति माह, फरवरी 2026 में शुरू ताकि नए स्नातक विद्यार्थियों को अपनी पहली नौकरी खोजने या अगले कदम की योजना बनाते समय एक वित्तीय पुल मिले — स्नातक होने के ठीक बाद की विशिष्ट, अक्सर वित्तीय रूप से अनिश्चित अवधि के लिए समयबद्ध सहायता।",
      "benefit_amount_hi": "1 वर्ष के लिए ₹2,500/माह",
      "last_verified": "2026-09-24",
      "ministry": "Directorate of Employment and Craftsmen Training, Government of Assam",
      "launched": "February 2026"
    },
    {
      "level": "state",
      "state": "Assam",
      "slug": "mukhyamantri-mahila-udyamita-abhiyan",
      "code": "SS-AS-BIZ-001",
      "name": "Mukhyamantri Mahila Udyamita Abhiyan (formerly Lakhpati Baideo)",
      "category": "business-entrepreneurship",
      "official_url": "https://mmua.assam.gov.in",
      "summary": "A three-year escalating support structure for women in Self-Help Groups across Assam, designed to turn SHG members into small entrepreneurs: ₹10,000 seed capital in year one, ₹25,000 in year two (half bank loan, half state grant), and ₹50,000 in year three — around ₹47,500 total in grants, subsidy and loan per beneficiary. Renamed from Lakhpati Baideo; eligibility includes a condition that the woman's own daughters must be attending school.",
      "benefit_amount": "₹10,000 (yr 1) + ₹25,000 (yr 2) + ₹50,000 (yr 3), ~₹47,500 total grant/subsidy/loan",
      "name_hi": "মুখ্যমন্ত্ৰী মহিলা উদ্যমিতা অভিযান (मुख्यमंत्री महिला उद्यमिता अभियान, पूर्व नाम: लखपति बाइदेओ)",
      "summary_hi": "असम भर के स्वयं सहायता समूहों की महिलाओं के लिए तीन-वर्षीय बढ़ती सहायता संरचना, SHG सदस्यों को छोटे उद्यमी बनाने के लिए डिज़ाइन — पहले वर्ष ₹10,000 बीज पूंजी, दूसरे वर्ष ₹25,000 (आधा बैंक ऋण, आधा राज्य अनुदान), और तीसरे वर्ष ₹50,000 — प्रति लाभार्थी अनुदान, सब्सिडी और ऋण में कुल लगभग ₹47,500। लखपति बाइदेओ से नाम बदला गया; पात्रता में यह शर्त शामिल है कि महिला की अपनी बेटियां स्कूल जा रही हों।",
      "benefit_amount_hi": "₹10,000 (वर्ष 1) + ₹25,000 (वर्ष 2) + ₹50,000 (वर्ष 3), कुल ~₹47,500 अनुदान/सब्सिडी/ऋण",
      "last_verified": "2026-09-24",
      "ministry": "Assam State Rural Livelihoods Mission"
    },
    {
      "level": "state",
      "state": "Assam",
      "slug": "kushal-konwar-briddha-pension-scheme",
      "code": "SS-AS-SWE-002",
      "name": "Kushal Konwar Briddha Pension Scheme",
      "category": "social-welfare-empowerment",
      "official_url": "https://assam.gov.in",
      "summary": "A monthly old-age pension for Assam residents aged 60 and above, named after freedom fighter Swahid Kushal Konwar, credited to the beneficiary's account on the first day of every month. Designed to reach broadly — the scheme targets 15,000-20,000 beneficiaries in every constituency — though the exact current monthly amount is best confirmed on the state portal, as it wasn't consistently reported across available sources.",
      "benefit_amount": "Monthly pension, credited on 1st of each month (confirm current rate)",
      "name_hi": "কুশল কোঁৱৰ বৃদ্ধ পেঞ্চন আঁচনি (कुशल कोंवर वृद्ध पेंशन योजना)",
      "summary_hi": "असम के 60 वर्ष और उससे अधिक आयु के निवासियों के लिए मासिक वृद्धावस्था पेंशन, स्वतंत्रता सेनानी शहीद कुशल कोंवर के नाम पर, हर महीने की पहली तारीख को लाभार्थी के खाते में जमा। व्यापक रूप से पहुंचने के लिए डिज़ाइन — योजना हर निर्वाचन क्षेत्र में 15,000-20,000 लाभार्थियों को लक्षित करती है — हालांकि सटीक वर्तमान मासिक राशि राज्य पोर्टल पर पुष्टि करना सबसे अच्छा है, क्योंकि यह उपलब्ध स्रोतों में लगातार रिपोर्ट नहीं की गई थी।",
      "benefit_amount_hi": "मासिक पेंशन, हर महीने की 1 तारीख को जमा (वर्तमान दर पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Social Welfare Department, Government of Assam"
    },
    {
      "level": "state",
      "state": "Assam",
      "slug": "atal-amrit-abhiyan-assam",
      "code": "SS-AS-HLT-002",
      "name": "Atal Amrit Abhiyan",
      "category": "health-wellness",
      "official_url": "https://aaa.assam.gov.in",
      "summary": "Health insurance cover of up to ₹2 lakh a year per family for Assam residents, covering 437 critical illnesses grouped into six major disease categories — cardiovascular conditions, cancer, kidney disease, neonatal diseases, neurological conditions and burns — aimed at catastrophic-illness protection specifically, rather than routine hospitalisation.",
      "benefit_amount": "Up to ₹2,00,000/family/year, 437 critical illnesses",
      "name_hi": "অটল অমৃত অভিযান (अटल अमृत अभियान)",
      "summary_hi": "असम के निवासियों के लिए प्रति परिवार साल में ₹2 लाख तक का स्वास्थ्य बीमा कवर, छह प्रमुख रोग श्रेणियों में समूहीकृत 437 गंभीर बीमारियों को कवर करते हुए — हृदय संबंधी स्थितियां, कैंसर, किडनी रोग, नवजात रोग, न्यूरोलॉजिकल स्थितियां और जलना — विशेष रूप से विनाशकारी-बीमारी सुरक्षा को लक्षित करते हुए, नियमित अस्पताल भर्ती के बजाय।",
      "benefit_amount_hi": "₹2,00,000/परिवार/वर्ष तक, 437 गंभीर बीमारियां",
      "last_verified": "2026-09-24",
      "ministry": "Atal Amrit Abhiyan Society, Government of Assam"
    },
    {
      "level": "state",
      "state": "Assam",
      "slug": "cm-atmanirbhar-assam-abhijan",
      "code": "SS-AS-BIZ-002",
      "name": "CM Atmanirbhar Asom Abhijan (CMAAA)",
      "category": "business-entrepreneurship",
      "official_url": "https://cmaaa.assam.gov.in",
      "summary": "A self-employment scheme for educated unemployed youth in Assam aged 28-40 (up to 43 for some categories), offering ₹2 lakh to ₹15 lakh to set up a new enterprise — half as an outright grant, half as an interest-free government loan — open to anyone from Class 10 pass to professional-degree holders across sectors including agriculture, dairy, poultry, garments and packaging.",
      "benefit_amount": "₹2,00,000–₹15,00,000 (50% grant + 50% interest-free loan)",
      "name_hi": "মুখ্যমন্ত্ৰী আত্মনিৰ্ভৰ অসম অভিযান (मुख्यमंत्री आत्मनिर्भर असम अभियान, CMAAA)",
      "summary_hi": "असम के 28-40 वर्ष (कुछ श्रेणियों के लिए 43 तक) के शिक्षित बेरोजगार युवाओं के लिए स्वरोजगार योजना, नया उद्यम शुरू करने के लिए ₹2 लाख से ₹15 लाख देती है — आधा सीधा अनुदान, आधा बिना ब्याज सरकारी ऋण — कक्षा 10 उत्तीर्ण से लेकर व्यावसायिक डिग्री धारकों तक, कृषि, डेयरी, पोल्ट्री, वस्त्र और पैकेजिंग सहित क्षेत्रों में खुली।",
      "benefit_amount_hi": "₹2,00,000–₹15,00,000 (50% अनुदान + 50% बिना ब्याज ऋण)",
      "last_verified": "2026-09-24",
      "ministry": "Directorate of Employment and Craftsmen Training, Government of Assam"
    },
    {
      "level": "state",
      "state": "Assam",
      "slug": "assam-widow-assistance-scheme",
      "code": "SS-AS-WMC-002",
      "name": "Assam Widow Assistance Scheme",
      "category": "women-child",
      "official_url": "https://swdassam.gov.in",
      "summary": "A one-time financial assistance of ₹2.5 lakh for widows from low-income families in Assam with annual household income up to ₹5 lakh — in its first phase, the scheme specifically prioritised widows who lost their husbands to COVID-19, with over 874 such cases covered.",
      "benefit_amount": "₹2,50,000 one-time",
      "name_hi": "অসম বিধৱা সহায় আঁচনি (असम विधवा सहायता योजना)",
      "summary_hi": "असम की कम आय वाले परिवारों की विधवाओं के लिए ₹2.5 लाख की एकमुश्त वित्तीय सहायता, जिनकी पारिवारिक वार्षिक आय ₹5 लाख तक है — पहले चरण में, योजना ने विशेष रूप से कोविड-19 से अपने पतियों को खोने वाली विधवाओं को प्राथमिकता दी, 874 से अधिक ऐसे मामले कवर किए गए।",
      "benefit_amount_hi": "₹2,50,000 एकमुश्त",
      "last_verified": "2026-09-24",
      "ministry": "Social Welfare Department, Government of Assam"
    },
    {
      "level": "state",
      "state": "Assam",
      "slug": "assam-obc-post-matric-scholarship",
      "code": "SS-AS-EDU-004",
      "name": "Assam OBC Post-Matric Scholarship",
      "category": "education-learning",
      "official_url": "https://assam.gov.in",
      "summary": "Full tuition-fee reimbursement plus a monthly maintenance allowance of ₹400-800 for OBC students in Assam pursuing post-matric education — school, college and professional courses — helping cover the ongoing cost of staying in education beyond Class 10, not just the fee itself.",
      "benefit_amount": "Full tuition fee + ₹400–₹800/month maintenance",
      "name_hi": "অসম অনগ্ৰসৰ শ্ৰেণী পোষ্ট-মেট্ৰিক বৃত্তি (असम OBC पोस्ट-मैट्रिक छात्रवृत्ति)",
      "summary_hi": "असम में पोस्ट-मैट्रिक शिक्षा — स्कूल, कॉलेज और व्यावसायिक पाठ्यक्रम — प्राप्त कर रहे OBC विद्यार्थियों के लिए पूरी ट्यूशन फीस प्रतिपूर्ति साथ ही ₹400-800 प्रति माह का भरण-पोषण भत्ता, कक्षा 10 से आगे शिक्षा में बने रहने की चालू लागत को कवर करने में मदद, केवल फीस नहीं।",
      "benefit_amount_hi": "पूरी ट्यूशन फीस + ₹400–₹800/माह भरण-पोषण",
      "last_verified": "2026-09-24",
      "ministry": "Welfare of Plain Tribes and Backward Classes Department, Government of Assam"
    },
    {
      "level": "state",
      "state": "Assam",
      "slug": "assam-crop-insurance-scheme",
      "code": "SS-AS-AGR-001",
      "name": "Assam Crop Insurance Scheme",
      "category": "agriculture-rural-environment",
      "official_url": "https://agriassam.gov.in",
      "summary": "Crop insurance for Assam farmers at a subsidised premium — 2% for Kharif crops and 1.5% for Rabi crops — protecting against yield loss from natural calamities, pests and disease, aligned with the central crop insurance framework but administered with Assam-specific premium rates and coverage terms.",
      "benefit_amount": "Crop insurance at 2% (Kharif) / 1.5% (Rabi) premium",
      "name_hi": "অসম শস্য বীমা আঁচনি (असम फसल बीमा योजना)",
      "summary_hi": "असम के किसानों के लिए सब्सिडी वाले प्रीमियम पर फसल बीमा — खरीफ फसलों के लिए 2% और रबी फसलों के लिए 1.5% — प्राकृतिक आपदाओं, कीटों और बीमारी से उपज हानि के विरुद्ध सुरक्षा, केंद्रीय फसल बीमा ढांचे के साथ संरेखित लेकिन असम-विशिष्ट प्रीमियम दरों और कवरेज शर्तों के साथ प्रशासित।",
      "benefit_amount_hi": "2% (खरीफ) / 1.5% (रबी) प्रीमियम पर फसल बीमा",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture, Government of Assam"
    },
    {
      "level": "state",
      "state": "Assam",
      "slug": "assam-bocw-welfare-board",
      "code": "SS-AS-SKL-002",
      "name": "Assam Building & Other Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://labour.assam.gov.in",
      "summary": "Registration with Assam's construction workers' welfare board gives masons, labourers and other construction workers access to accident and death insurance, a pension, education support for children and maternity benefits, funded through a cess collected on construction projects across the state.",
      "benefit_amount": "Accident/death insurance + pension + education + maternity benefit",
      "name_hi": "অসম গৃহ নিৰ্মাণ শ্ৰমিক কল্যাণ বোর্ড (असम भवन निर्माण श्रमिक कल्याण बोर्ड)",
      "summary_hi": "असम के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों को दुर्घटना एवं मृत्यु बीमा, पेंशन, बच्चों के लिए शिक्षा सहायता और मातृत्व लाभ तक पहुंच देता है, राज्य भर की निर्माण परियोजनाओं पर एकत्रित उपकर से वित्तपोषित।",
      "benefit_amount_hi": "दुर्घटना/मृत्यु बीमा + पेंशन + शिक्षा + मातृत्व लाभ",
      "last_verified": "2026-09-24",
      "ministry": "Assam Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Jharkhand",
      "slug": "mukhyamantri-maiya-samman-yojana",
      "code": "SS-JH-WMC-001",
      "name": "Mukhyamantri Maiya Samman Yojana (JMMSY)",
      "category": "women-child",
      "official_url": "https://mmsy.jharkhand.gov.in",
      "summary": "₹2,500 a month, credited via DBT, to eligible women aged 18-50 in Jharkhand — the single-largest women-focused cash transfer in the state's history, reaching around 56 lakh women. Launched at ₹1,000/month in August 2024 just before the state election, then raised to ₹2,500 from December 2024 after the JMM-led alliance won and honoured its campaign promise. One recent government portal listing showed ₹1,000, conflicting with the more widely and consistently reported ₹2,500 figure — treat ₹2,500 as the current rate but confirm on the official portal given this discrepancy.",
      "benefit_amount": "₹2,500/month (one portal listing shows ₹1,000 — verify)",
      "name_hi": "मुख्यमंत्री मैया सम्मान योजना (JMMSY)",
      "summary_hi": "झारखंड की 18-50 वर्ष की पात्र महिलाओं को DBT के ज़रिए ₹2,500 प्रति माह — राज्य के इतिहास में सबसे बड़ा महिला-केंद्रित नकद हस्तांतरण, लगभग 56 लाख महिलाओं तक पहुंचता है। राज्य चुनाव से ठीक पहले अगस्त 2024 में ₹1,000/माह पर शुरू, फिर JMM-नेतृत्व वाले गठबंधन के जीतने और अपना चुनावी वादा निभाने के बाद दिसंबर 2024 से बढ़ाकर ₹2,500। एक हालिया सरकारी पोर्टल सूची में ₹1,000 दिखा, जो व्यापक और लगातार रिपोर्ट किए गए ₹2,500 आंकड़े से टकराता है — वर्तमान दर ₹2,500 मानें लेकिन इस विसंगति को देखते हुए आधिकारिक पोर्टल पर पुष्टि करें।",
      "benefit_amount_hi": "₹2,500/माह (एक पोर्टल सूची में ₹1,000 दिखा — पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Women, Child Development and Social Security, Government of Jharkhand",
      "launched": "August 2024, raised Dec 2024"
    },
    {
      "level": "state",
      "state": "Jharkhand",
      "slug": "abua-awas-yojana-jharkhand",
      "code": "SS-JH-HSG-001",
      "name": "Abua Awas Yojana",
      "category": "housing-shelter",
      "official_url": "https://aay.jharkhand.gov.in",
      "summary": "A pucca, three-room house with a kitchen for homeless and poor families in Jharkhand — ₹2 lakh in construction assistance, disbursed in instalments tied to construction progress, targeting 8 lakh homeless families in three phases. Priority goes to Particularly Vulnerable Tribal Groups, widows and persons with disabilities, with the household income capped at ₹3 lakh a year; a beneficiary list for the latest phase was released on 10 July 2026.",
      "benefit_amount": "₹2,00,000 for a 3-room pucca house",
      "name_hi": "अबुआ आवास योजना",
      "summary_hi": "झारखंड के बेघर और गरीब परिवारों के लिए रसोई सहित तीन कमरों वाला पक्का मकान — ₹2 लाख की निर्माण सहायता, निर्माण प्रगति से जुड़ी किस्तों में वितरित, तीन चरणों में 8 लाख बेघर परिवारों को लक्षित। विशेष रूप से कमज़ोर आदिवासी समूहों, विधवाओं और दिव्यांग व्यक्तियों को प्राथमिकता, पारिवारिक आय की सीमा ₹3 लाख प्रति वर्ष; नवीनतम चरण की लाभार्थी सूची 10 जुलाई 2026 को जारी हुई।",
      "benefit_amount_hi": "3-कमरे के पक्के मकान के लिए ₹2,00,000",
      "last_verified": "2026-09-24",
      "ministry": "Rural Development Department, Government of Jharkhand"
    },
    {
      "level": "state",
      "state": "Jharkhand",
      "slug": "sona-sobran-dhoti-saree-yojana",
      "code": "SS-JH-SWE-001",
      "name": "Sona Sobran Dhoti Saree Yojana",
      "category": "social-welfare-empowerment",
      "official_url": "https://jharkhand.gov.in",
      "summary": "One saree and one dhoti or lungi, twice a year, for around 57-60 lakh BPL families in Jharkhand — priced at just ₹10 a piece rather than given entirely free, which keeps the scheme administratively simpler while remaining a deeply subsidised cost. Originally introduced in 2014 under CM Hemant Soren, discontinued by the following NDA government in 2015, and restored after Soren's return to power.",
      "benefit_amount": "1 saree + 1 dhoti/lungi at ₹10/piece, twice a year",
      "name_hi": "सोना सोबरन धोती साड़ी योजना",
      "summary_hi": "झारखंड के लगभग 57-60 लाख BPL परिवारों के लिए साल में दो बार एक साड़ी और एक धोती या लुंगी — पूरी तरह मुफ्त देने के बजाय सिर्फ ₹10 प्रति टुकड़ा कीमत, जो योजना को प्रशासनिक रूप से सरल रखते हुए भी गहरी सब्सिडी वाली लागत बनाए रखती है। मूल रूप से 2014 में CM हेमंत सोरेन के तहत शुरू, अगली NDA सरकार द्वारा 2015 में बंद, और सोरेन की सत्ता में वापसी के बाद बहाल।",
      "benefit_amount_hi": "₹10/टुकड़ा पर 1 साड़ी + 1 धोती/लुंगी, साल में दो बार",
      "last_verified": "2026-09-24",
      "ministry": "Department of Food, Public Distribution and Consumer Affairs, Government of Jharkhand"
    },
    {
      "level": "state",
      "state": "Jharkhand",
      "slug": "jharkhand-sarvajan-pension-yojana",
      "code": "SS-JH-SWE-002",
      "name": "Jharkhand Sarvajan Pension Yojana",
      "category": "social-welfare-empowerment",
      "official_url": "https://jsspd.jharkhand.gov.in",
      "summary": "A monthly pension of ₹1,000 for elderly (60+), widowed and disabled residents of Jharkhand from BPL families. Women's advocacy groups have publicly demanded the rate be raised to ₹2,500 to match Maiya Samman Yojana, and payment delays of five to six months have been reported to the opposition, so verify your payment status directly rather than assuming smooth, on-schedule disbursal.",
      "benefit_amount": "₹1,000/month",
      "name_hi": "झारखंड सर्वजन पेंशन योजना",
      "summary_hi": "BPL परिवारों से झारखंड के बुज़ुर्ग (60+), विधवा और दिव्यांग निवासियों के लिए ₹1,000 मासिक पेंशन। महिला अधिकार समूहों ने सार्वजनिक रूप से मैया सम्मान योजना से मेल खाने के लिए दर को ₹2,500 तक बढ़ाने की मांग की है, और विपक्ष को पांच से छह महीने के भुगतान में देरी की रिपोर्ट मिली है, इसलिए सुचारू, समय पर वितरण मानने के बजाय सीधे अपनी भुगतान स्थिति की पुष्टि करें।",
      "benefit_amount_hi": "₹1,000/माह",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Security, Government of Jharkhand"
    },
    {
      "level": "state",
      "state": "Jharkhand",
      "slug": "mukhyamantri-urja-khushhali-yojana",
      "code": "SS-JH-UTL-001",
      "name": "Mukhyamantri Urja Khushhali Yojana (formerly Bijli Bill Mafi Yojana)",
      "category": "utility-sanitation",
      "official_url": "https://jbvnl.co.in",
      "summary": "Free electricity up to 200 units a month for domestic consumers in Jharkhand, renamed from Bijli Bill Mafi Yojana ('electricity bill waiver scheme') to Mukhyamantri Urja Khushhali Yojana while keeping the same underlying benefit.",
      "benefit_amount": "Free electricity up to 200 units/month",
      "name_hi": "मुख्यमंत्री ऊर्जा खुशहाली योजना (पूर्व नाम: बिजली बिल माफी योजना)",
      "summary_hi": "झारखंड के घरेलू उपभोक्ताओं के लिए 200 यूनिट तक मुफ्त बिजली प्रति माह, बिजली बिल माफी योजना से मुख्यमंत्री ऊर्जा खुशहाली योजना नाम बदला गया, वही मूल लाभ बरकरार रखते हुए।",
      "benefit_amount_hi": "200 यूनिट तक मुफ्त बिजली/माह",
      "last_verified": "2026-09-24",
      "ministry": "Jharkhand Bijli Vitran Nigam Limited (JBVNL)"
    },
    {
      "level": "state",
      "state": "Jharkhand",
      "slug": "maiyan-balwan-yojana",
      "code": "SS-JH-BIZ-001",
      "name": "Maiyan Balwan Yojana",
      "category": "business-entrepreneurship",
      "official_url": "https://jharkhand.gov.in",
      "summary": "Support for women across Jharkhand to start their own small businesses, launched by CM Hemant Soren as a complement to the cash-transfer Maiya Samman Yojana — aimed at moving beyond direct income support toward building sustainable, income-generating livelihoods for women.",
      "benefit_amount": "Business start-up support for women (confirm current terms)",
      "name_hi": "मैयां बलवान योजना",
      "summary_hi": "झारखंड भर की महिलाओं के लिए अपना छोटा व्यवसाय शुरू करने में सहायता, CM हेमंत सोरेन द्वारा नकद-हस्तांतरण मैया सम्मान योजना के पूरक के रूप में शुरू — प्रत्यक्ष आय सहायता से आगे बढ़कर महिलाओं के लिए स्थायी, आय-सृजन आजीविका बनाने का लक्ष्य।",
      "benefit_amount_hi": "महिलाओं के लिए व्यवसाय शुरुआत सहायता (वर्तमान शर्तें पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Women, Child Development and Social Security, Government of Jharkhand"
    },
    {
      "level": "state",
      "state": "Jharkhand",
      "slug": "jharkhand-govt-health-insurance-scheme",
      "code": "SS-JH-HLT-002",
      "name": "Jharkhand Government Health Insurance Scheme",
      "category": "health-wellness",
      "official_url": "https://jharkhand.gov.in",
      "summary": "Health insurance cover at a low monthly cost for Jharkhand state government employees and pensioners, launched by CM Hemant Soren to give the state's own workforce and retirees a structured insurance option rather than relying purely on reimbursement of medical bills.",
      "benefit_amount": "Health insurance at low monthly cost (state employees & pensioners)",
      "name_hi": "झारखंड सरकार स्वास्थ्य बीमा योजना",
      "summary_hi": "झारखंड राज्य सरकार कर्मचारियों और पेंशनभोगियों के लिए कम मासिक लागत पर स्वास्थ्य बीमा कवर, CM हेमंत सोरेन द्वारा शुरू ताकि राज्य के अपने कार्यबल और सेवानिवृत्तों को केवल चिकित्सा बिलों की प्रतिपूर्ति पर निर्भर रहने के बजाय एक संरचित बीमा विकल्प मिले।",
      "benefit_amount_hi": "कम मासिक लागत पर स्वास्थ्य बीमा (राज्य कर्मचारी एवं पेंशनभोगी)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Personnel, Administrative Reforms and Rajbhasha, Government of Jharkhand"
    },
    {
      "level": "state",
      "state": "Jharkhand",
      "slug": "jharkhand-rajya-khadya-suraksha-yojana",
      "code": "SS-JH-SWE-003",
      "name": "Jharkhand Rajya Khadya Suraksha Yojana (State Food Security Scheme)",
      "category": "social-welfare-empowerment",
      "official_url": "https://aahar.jharkhand.gov.in",
      "summary": "5 kg of subsidised food grain a month for households in Jharkhand who fall outside the central National Food Security Act's coverage but are still genuinely in need — a state-funded top-up covering an additional 15 lakh households, closing a gap the central scheme's eligibility criteria leaves open.",
      "benefit_amount": "5 kg subsidised food grain/month/household",
      "name_hi": "झारखंड राज्य खाद्य सुरक्षा योजना",
      "summary_hi": "झारखंड के उन परिवारों के लिए महीने में 5 किलो सब्सिडी वाला अनाज जो केंद्रीय राष्ट्रीय खाद्य सुरक्षा अधिनियम के कवरेज से बाहर हैं लेकिन फिर भी वास्तव में ज़रूरतमंद हैं — अतिरिक्त 15 लाख परिवारों को कवर करने वाला राज्य-वित्तपोषित टॉप-अप, केंद्रीय योजना के पात्रता मानदंड द्वारा छोड़ी गई कमी को पूरा करते हुए।",
      "benefit_amount_hi": "5 किलो सब्सिडी अनाज/माह/परिवार",
      "last_verified": "2026-09-24",
      "ministry": "Department of Food, Public Distribution and Consumer Affairs, Government of Jharkhand"
    },
    {
      "level": "state",
      "state": "Jharkhand",
      "slug": "jharkhand-post-matric-scholarship",
      "code": "SS-JH-EDU-002",
      "name": "Jharkhand Post-Matric Scholarship",
      "category": "education-learning",
      "official_url": "https://jharkhandscholarship.gov.in",
      "summary": "Tuition-fee reimbursement and a maintenance allowance for SC, ST, OBC and minority students in Jharkhand pursuing education beyond Class 10 — covering school, college and professional courses, and routed through a unified state scholarship portal.",
      "benefit_amount": "Tuition fee reimbursement + maintenance allowance",
      "name_hi": "झारखंड पोस्ट-मैट्रिक छात्रवृत्ति",
      "summary_hi": "झारखंड में कक्षा 10 से आगे की शिक्षा — स्कूल, कॉलेज और व्यावसायिक पाठ्यक्रम — प्राप्त कर रहे SC, ST, OBC और अल्पसंख्यक विद्यार्थियों के लिए ट्यूशन फीस प्रतिपूर्ति और भरण-पोषण भत्ता, एक एकीकृत राज्य छात्रवृत्ति पोर्टल के माध्यम से संचालित।",
      "benefit_amount_hi": "ट्यूशन फीस प्रतिपूर्ति + भरण-पोषण भत्ता",
      "last_verified": "2026-09-24",
      "ministry": "Welfare Department, Government of Jharkhand"
    },
    {
      "level": "state",
      "state": "Jharkhand",
      "slug": "jharkhand-cm-drought-relief-scheme",
      "code": "SS-JH-AGR-001",
      "name": "Chief Minister Drought Relief Scheme",
      "category": "agriculture-rural-environment",
      "official_url": "https://jharkhand.gov.in",
      "summary": "Financial assistance, livelihood support and basic resources for families in drought-designated areas of Jharkhand — a state that depends heavily on monsoon-fed agriculture and where a failed rainy season can quickly turn into a genuine livelihood crisis for farming households.",
      "benefit_amount": "Financial assistance + livelihood support (drought-declared areas)",
      "name_hi": "मुख्यमंत्री सूखा राहत योजना",
      "summary_hi": "झारखंड के सूखा-घोषित क्षेत्रों के परिवारों के लिए वित्तीय सहायता, आजीविका सहायता और बुनियादी संसाधन — एक ऐसा राज्य जो मानसून-आधारित कृषि पर भारी निर्भर है और जहां असफल बरसाती मौसम जल्दी ही कृषि परिवारों के लिए एक वास्तविक आजीविका संकट बन सकता है।",
      "benefit_amount_hi": "वित्तीय सहायता + आजीविका सहायता (सूखा-घोषित क्षेत्र)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Disaster Management, Government of Jharkhand"
    },
    {
      "level": "state",
      "state": "Jharkhand",
      "slug": "jharkhand-bocw-welfare-board",
      "code": "SS-JH-SKL-001",
      "name": "Jharkhand Building & Other Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://jharkhand.gov.in",
      "summary": "Registration with Jharkhand's construction workers' welfare board gives masons, labourers and other construction workers access to accident and death insurance, a pension, education support for children and maternity benefits, funded through a cess collected on construction projects across the state.",
      "benefit_amount": "Accident/death insurance + pension + education + maternity benefit",
      "name_hi": "झारखंड भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड",
      "summary_hi": "झारखंड के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों को दुर्घटना एवं मृत्यु बीमा, पेंशन, बच्चों के लिए शिक्षा सहायता और मातृत्व लाभ तक पहुंच देता है, राज्य भर की निर्माण परियोजनाओं पर एकत्रित उपकर से वित्तपोषित।",
      "benefit_amount_hi": "दुर्घटना/मृत्यु बीमा + पेंशन + शिक्षा + मातृत्व लाभ",
      "last_verified": "2026-09-24",
      "ministry": "Jharkhand Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Punjab",
      "slug": "mukhyamantri-mawan-dhiyan-satkar-yojana",
      "code": "SS-PB-WMC-003",
      "name": "Mukhyamantri Mawan Dhiyan Satkar Yojana (Maa-Beti Samman Yojana)",
      "category": "women-child",
      "official_url": "https://punjab.gov.in",
      "summary": "₹1,000 a month for every eligible woman in Punjab aged 18 and above, rising to ₹1,500 for women from Scheduled Caste communities — Punjab's answer to the cash-transfer schemes now running in several Indian states. Announced by Finance Minister Harpal Singh Cheema on International Women's Day (8 March 2026) as the AAP government's largest election promise ahead of 2027, with registration opening in phases from 15 April 2026 through Anganwadi centres and district facilitation points rather than a single online portal.",
      "benefit_amount": "₹1,000/month (₹1,500/month for SC category)",
      "name_hi": "ਮੁੱਖ ਮੰਤਰੀ ਮਾਵਾਂ ਧੀਆਂ ਸਤਿਕਾਰ ਯੋਜਨਾ (मुख्यमंत्री मावां धियां सत्कार योजना, माँ-बेटी सम्मान योजना)",
      "summary_hi": "पंजाब की 18 वर्ष और उससे अधिक आयु की हर पात्र महिला के लिए ₹1,000 प्रति माह, अनुसूचित जाति समुदायों की महिलाओं के लिए बढ़कर ₹1,500 — कई भारतीय राज्यों में अब चल रही नकद-हस्तांतरण योजनाओं का पंजाब का जवाब। वित्त मंत्री हरपाल सिंह चीमा द्वारा अंतरराष्ट्रीय महिला दिवस (8 मार्च 2026) पर 2027 से पहले AAP सरकार के सबसे बड़े चुनावी वादे के रूप में घोषित, एकल ऑनलाइन पोर्टल के बजाय आंगनवाड़ी केंद्रों और ज़िला सुविधा बिंदुओं के माध्यम से 15 अप्रैल 2026 से चरणों में पंजीकरण खुला।",
      "benefit_amount_hi": "₹1,000/माह (SC श्रेणी के लिए ₹1,500/माह)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Security and Women & Child Development, Government of Punjab"
    },
    {
      "level": "state",
      "state": "Punjab",
      "slug": "punjab-free-electricity-scheme",
      "code": "SS-PB-UTL-001",
      "name": "Punjab Free Electricity Scheme (300 Units)",
      "category": "utility-sanitation",
      "official_url": "https://pspcl.in",
      "summary": "Free electricity up to 300 units every two months for domestic consumers in Punjab, launched by the AAP government from July 2022 — a notably higher threshold than the 200-unit schemes running in Delhi, Telangana and elsewhere. The state government reports around 90% of Punjab households now receive free electricity under this and related power welfare measures.",
      "benefit_amount": "Free electricity up to 300 units/2 months",
      "name_hi": "ਪੰਜਾਬ ਮੁਫ਼ਤ ਬਿਜਲੀ ਯੋਜਨਾ (पंजाब मुफ्त बिजली योजना, 300 यूनिट)",
      "summary_hi": "पंजाब के घरेलू उपभोक्ताओं के लिए हर दो महीने में 300 यूनिट तक मुफ्त बिजली, जुलाई 2022 से AAP सरकार द्वारा शुरू — दिल्ली, तेलंगाना और अन्य जगहों पर चल रही 200-यूनिट योजनाओं से काफी ऊंची सीमा। राज्य सरकार के अनुसार अब इस और संबंधित बिजली कल्याण उपायों के तहत पंजाब के लगभग 90% परिवारों को मुफ्त बिजली मिलती है।",
      "benefit_amount_hi": "हर 2 महीने में 300 यूनिट तक मुफ्त बिजली",
      "last_verified": "2026-09-24",
      "ministry": "Punjab State Power Corporation Limited (PSPCL)",
      "launched": "July 2022"
    },
    {
      "level": "state",
      "state": "Punjab",
      "slug": "aam-aadmi-clinics-punjab",
      "code": "SS-PB-HLT-002",
      "name": "Aam Aadmi Clinics",
      "category": "health-wellness",
      "official_url": "https://health.punjab.gov.in",
      "summary": "Free primary healthcare, basic diagnostics and free medicines at neighbourhood-level clinics across Punjab — the AAP government's own version of Delhi's Mohalla Clinic model, adapted for Punjab. Over 1,090 clinics were operating as of September 2026, aimed at reducing the distance and cost barrier between a minor ailment and a doctor's opinion.",
      "benefit_amount": "Free primary healthcare + diagnostics + medicines",
      "name_hi": "ਆਮ ਆਦਮੀ ਕਲੀਨਿਕ (आम आदमी क्लिनिक)",
      "summary_hi": "पंजाब भर के पड़ोस-स्तरीय क्लिनिकों पर मुफ्त प्राथमिक स्वास्थ्य सेवा, बुनियादी जांच और मुफ्त दवाइयां — AAP सरकार का दिल्ली के मोहल्ला क्लिनिक मॉडल का अपना संस्करण, पंजाब के लिए अनुकूलित। सितंबर 2026 तक 1,090 से अधिक क्लिनिक संचालित थे, मामूली बीमारी और डॉक्टर की राय के बीच दूरी और लागत बाधा कम करने के लक्ष्य के साथ।",
      "benefit_amount_hi": "मुफ्त प्राथमिक स्वास्थ्य सेवा + जांच + दवाइयां",
      "last_verified": "2026-09-24",
      "ministry": "Department of Health and Family Welfare, Government of Punjab"
    },
    {
      "level": "state",
      "state": "Punjab",
      "slug": "schools-of-eminence-punjab",
      "code": "SS-PB-EDU-002",
      "name": "Schools of Eminence",
      "category": "education-learning",
      "official_url": "https://educationrecruitmentboard.com",
      "summary": "A wholesale upgrade of 117-118 government schools across Punjab into flagship institutions with modern labs, sports facilities and merit-based admission, specifically designed to prepare students for competitive entrance exams — MBBS, IIT, law and management — that government-school students have traditionally had far less structured support for. Launched in January 2023 with an initial ₹200 crore, later part of a ₹1,600 crore package for a broader overhaul of Punjab's school infrastructure including boundary walls, washrooms, furniture and new classrooms.",
      "benefit_amount": "Free upgraded education with competitive-exam preparation",
      "name_hi": "ਸਕੂਲ ਆਫ਼ ਐਮੀਨੈਂਸ (स्कूल ऑफ एमिनेंस)",
      "summary_hi": "पंजाब भर के 117-118 सरकारी स्कूलों का आधुनिक लैब, खेल सुविधाओं और मेरिट-आधारित प्रवेश के साथ प्रमुख संस्थानों में पूर्ण उन्नयन, विशेष रूप से प्रतियोगी प्रवेश परीक्षाओं — MBBS, IIT, कानून और प्रबंधन — के लिए विद्यार्थियों को तैयार करने के लिए डिज़ाइन किया गया जिनके लिए सरकारी स्कूल विद्यार्थियों के पास परंपरागत रूप से बहुत कम संरचित सहायता रही है। जनवरी 2023 में प्रारंभिक ₹200 करोड़ के साथ शुरू, बाद में पंजाब के स्कूल बुनियादी ढांचे — सीमा दीवारों, शौचालयों, फर्नीचर और नई कक्षाओं सहित — के व्यापक सुधार के लिए ₹1,600 करोड़ के पैकेज का हिस्सा।",
      "benefit_amount_hi": "प्रतियोगी-परीक्षा तैयारी के साथ मुफ्त उन्नत शिक्षा",
      "last_verified": "2026-09-24",
      "ministry": "Department of School Education, Government of Punjab"
    },
    {
      "level": "state",
      "state": "Punjab",
      "slug": "mukhyamantri-teerth-yatra-yojana-punjab",
      "code": "SS-PB-SWE-001",
      "name": "Mukhyamantri Nishulk Teerth Yatra Yojana",
      "category": "social-welfare-empowerment",
      "official_url": "https://punjab.gov.in",
      "summary": "Free pilgrimage for senior citizens across Punjab, covering travel, accommodation, meals, medical assistance and a pilgrim kit to destinations including Sri Harmandir Sahib, Sri Hazur Sahib, Takht Sri Patna Sahib, Mata Vaishno Devi and Varanasi among others. Launched 27 November 2023, with three new routes (Salasar-Khatu Shyam, Haridwar-Rishikesh, Mathura-Vrindavan) tentatively expected from August 2026 — over 70 lakh devotees have reportedly used the scheme since launch.",
      "benefit_amount": "Free travel, accommodation, meals, medical assistance + pilgrim kit",
      "name_hi": "ਮੁੱਖ ਮੰਤਰੀ ਨਿਸ਼ੁਲਕ ਤੀਰਥ ਯਾਤਰਾ ਯੋਜਨਾ (मुख्यमंत्री निःशुल्क तीर्थ यात्रा योजना)",
      "summary_hi": "पंजाब भर के वरिष्ठ नागरिकों के लिए मुफ्त तीर्थ यात्रा, श्री हरमंदिर साहिब, श्री हजूर साहिब, तख्त श्री पटना साहिब, माता वैष्णो देवी और वाराणसी सहित गंतव्यों तक यात्रा, आवास, भोजन, चिकित्सा सहायता और तीर्थयात्री किट को कवर करती है। 27 नवंबर 2023 को शुरू, अगस्त 2026 से अस्थायी रूप से अपेक्षित तीन नए मार्गों (सालासर-खाटू श्याम, हरिद्वार-ऋषिकेश, मथुरा-वृंदावन) के साथ — शुरुआत से अब तक 70 लाख से अधिक श्रद्धालुओं ने योजना का उपयोग किया है।",
      "benefit_amount_hi": "मुफ्त यात्रा, आवास, भोजन, चिकित्सा सहायता + तीर्थयात्री किट",
      "last_verified": "2026-09-24",
      "ministry": "Department of Tourism and Cultural Affairs, Government of Punjab",
      "launched": "27 November 2023"
    },
    {
      "level": "state",
      "state": "Punjab",
      "slug": "punjab-solar-street-lighting-scheme",
      "code": "SS-PB-UTL-002",
      "name": "Punjab Solar Street Lighting Scheme",
      "category": "utility-sanitation",
      "official_url": "https://pedaenergy.punjab.gov.in",
      "summary": "Nearly 3 lakh solar street lights approved for installation across 11,500 villages in Punjab, aimed at improving rural road safety and public lighting without adding to the electricity grid's load — a genuinely large-scale rural infrastructure push rather than a pilot programme.",
      "benefit_amount": "Solar street lights installed (village-level infrastructure)",
      "name_hi": "ਪੰਜਾਬ ਸੋਲਰ ਸਟ੍ਰੀਟ ਲਾਈਟਿੰਗ ਯੋਜਨਾ (पंजाब सोलर स्ट्रीट लाइटिंग योजना)",
      "summary_hi": "पंजाब के 11,500 गांवों में स्थापना के लिए लगभग 3 लाख सोलर स्ट्रीट लाइटों की मंज़ूरी, बिजली ग्रिड पर भार बढ़ाए बिना ग्रामीण सड़क सुरक्षा और सार्वजनिक प्रकाश व्यवस्था सुधारने के लक्ष्य के साथ — एक पायलट कार्यक्रम के बजाय वास्तव में बड़े पैमाने का ग्रामीण बुनियादी ढांचा प्रयास।",
      "benefit_amount_hi": "सोलर स्ट्रीट लाइट स्थापित (गांव-स्तरीय बुनियादी ढांचा)",
      "last_verified": "2026-09-24",
      "ministry": "Punjab Energy Development Agency (PEDA)"
    },
    {
      "level": "state",
      "state": "Punjab",
      "slug": "punjab-attendance-scholarship-disabled-girls",
      "code": "SS-PB-WMC-002",
      "name": "Attendance Scholarship for Rural Girls with Disabilities",
      "category": "women-child",
      "official_url": "https://socialsecurity.punjab.gov.in",
      "summary": "A monthly incentive payment for girls with disabilities in rural Punjab, tied specifically to school attendance rather than just enrolment — aimed at both keeping girls with disabilities in the classroom and giving families a concrete financial reason to prioritise their daughters' regular attendance over competing demands on the girl's time.",
      "benefit_amount": "Monthly attendance-linked scholarship (confirm current amount)",
      "name_hi": "ਪੇਂਡੂ ਦਿਵਿਆਂਗ ਲੜਕੀਆਂ ਲਈ ਹਾਜ਼ਰੀ ਵਜ਼ੀਫ਼ਾ (ग्रामीण दिव्यांग लड़कियों के लिए उपस्थिति छात्रवृत्ति)",
      "summary_hi": "ग्रामीण पंजाब की दिव्यांग लड़कियों के लिए मासिक प्रोत्साहन भुगतान, केवल नामांकन के बजाय विशेष रूप से स्कूल उपस्थिति से जुड़ा — दिव्यांग लड़कियों को कक्षा में बनाए रखने और परिवारों को लड़की के समय पर प्रतिस्पर्धी मांगों की तुलना में उसकी नियमित उपस्थिति को प्राथमिकता देने का ठोस वित्तीय कारण देने के लक्ष्य के साथ।",
      "benefit_amount_hi": "मासिक उपस्थिति-आधारित छात्रवृत्ति (वर्तमान राशि पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Security, Women & Child Development, Government of Punjab"
    },
    {
      "level": "state",
      "state": "Punjab",
      "slug": "olympian-balbir-singh-senior-scholarship",
      "code": "SS-PB-EDU-003",
      "name": "Olympian Balbir Singh Senior Scholarship Scheme",
      "category": "education-learning",
      "official_url": "https://sports.punjab.gov.in",
      "summary": "A sports scholarship named after Balbir Singh Sr., the legendary Indian hockey player and three-time Olympic gold medallist, aimed at encouraging promising sportspersons in Punjab at the grassroots level — support meant to keep young athletes training and competing before they reach a level where private sponsorship becomes viable.",
      "benefit_amount": "Sports scholarship (confirm current amount)",
      "name_hi": "ਓਲੰਪੀਅਨ ਬਲਬੀਰ ਸਿੰਘ ਸੀਨੀਅਰ ਸਕਾਲਰਸ਼ਿਪ ਸਕੀਮ (ओलंपियन बलबीर सिंह सीनियर छात्रवृत्ति योजना)",
      "summary_hi": "पौराणिक भारतीय हॉकी खिलाड़ी और तीन बार के ओलंपिक स्वर्ण पदक विजेता बलबीर सिंह सीनियर के नाम पर एक खेल छात्रवृत्ति, पंजाब में ज़मीनी स्तर पर होनहार खिलाड़ियों को प्रोत्साहित करने के लक्ष्य के साथ — निजी प्रायोजन व्यवहार्य होने के स्तर तक पहुंचने से पहले युवा एथलीटों को प्रशिक्षण और प्रतिस्पर्धा जारी रखने में मदद के लिए सहायता।",
      "benefit_amount_hi": "खेल छात्रवृत्ति (वर्तमान राशि पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Sports and Youth Services, Government of Punjab"
    },
    {
      "level": "state",
      "state": "Punjab",
      "slug": "punjab-anaaj-kharid-portal",
      "code": "SS-PB-AGR-001",
      "name": "Punjab Anaaj Kharid Portal",
      "category": "agriculture-rural-environment",
      "official_url": "https://anaajkharid.in",
      "summary": "An online platform for paddy procurement in Punjab, letting farmers, rice millers and commission agents (aarthiyas) register and transact online rather than relying entirely on manual, in-person procurement processes at grain markets — aimed at making Minimum Support Price procurement faster and more transparent for the state's large paddy-growing farmer base.",
      "benefit_amount": "Online paddy procurement at MSP",
      "name_hi": "ਪੰਜਾਬ ਅਨਾਜ ਖਰੀਦ ਪੋਰਟਲ (पंजाब अनाज खरीद पोर्टल)",
      "summary_hi": "पंजाब में धान खरीद के लिए एक ऑनलाइन मंच, किसानों, चावल मिल मालिकों और कमीशन एजेंटों (आढ़तियों) को पूरी तरह मैनुअल, व्यक्तिगत खरीद प्रक्रियाओं पर निर्भर रहने के बजाय अनाज मंडियों में ऑनलाइन पंजीकरण और लेन-देन करने देता है — राज्य के बड़े धान उगाने वाले किसान आधार के लिए न्यूनतम समर्थन मूल्य खरीद को तेज़ और अधिक पारदर्शी बनाने के लक्ष्य के साथ।",
      "benefit_amount_hi": "MSP पर ऑनलाइन धान खरीद",
      "last_verified": "2026-09-24",
      "ministry": "Department of Food, Civil Supplies and Consumer Affairs, Government of Punjab"
    },
    {
      "level": "state",
      "state": "Punjab",
      "slug": "ghar-ghar-rozgar-karobar-mission",
      "code": "SS-PB-SKL-002",
      "name": "Punjab Ghar Ghar Rozgar Te Karobar Mission (PGRKAM)",
      "category": "skills-employment",
      "official_url": "https://pgrkam.com",
      "summary": "A single online platform connecting job-seekers in Punjab with employers and self-employment/business-loan opportunities — first launched under the previous Congress government led by Captain Amarinder Singh, and continued as an operational job portal by the current AAP government, which separately reports having facilitated over 70,000 government job placements during its own tenure.",
      "benefit_amount": "Job matching + self-employment loan facilitation",
      "name_hi": "ਘਰ ਘਰ ਰੋਜ਼ਗਾਰ ਅਤੇ ਕਾਰੋਬਾਰ ਮਿਸ਼ਨ (घर घर रोज़गार और कारोबार मिशन, PGRKAM)",
      "summary_hi": "पंजाब में नौकरी खोजने वालों को नियोक्ताओं और स्वरोजगार/व्यावसायिक-ऋण अवसरों से जोड़ने वाला एक एकल ऑनलाइन मंच — पहले कैप्टन अमरिंदर सिंह के नेतृत्व वाली पिछली कांग्रेस सरकार के तहत शुरू, और वर्तमान AAP सरकार द्वारा एक चालू नौकरी पोर्टल के रूप में जारी, जो अलग से अपने कार्यकाल के दौरान 70,000 से अधिक सरकारी नौकरी नियुक्तियों की सुविधा देने की रिपोर्ट करती है।",
      "benefit_amount_hi": "नौकरी मिलान + स्वरोजगार ऋण सुविधा",
      "last_verified": "2026-09-24",
      "ministry": "Department of Employment Generation, Skill Development and Training, Government of Punjab"
    },
    {
      "level": "state",
      "state": "Punjab",
      "slug": "punjab-bocw-welfare-board",
      "code": "SS-PB-SKL-001",
      "name": "Punjab Building & Other Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://pblabour.gov.in",
      "summary": "Registration with Punjab's construction workers' welfare board gives masons, labourers and other construction workers access to accident and death insurance, a pension, education support for children and maternity benefits, funded through a cess collected on construction projects across the state.",
      "benefit_amount": "Accident/death insurance + pension + education + maternity benefit",
      "name_hi": "ਪੰਜਾਬ ਭਵਨ ਅਤੇ ਹੋਰ ਉਸਾਰੀ ਕਾਮੇ ਭਲਾਈ ਬੋਰਡ (पंजाब भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड)",
      "summary_hi": "पंजाब के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों को दुर्घटना एवं मृत्यु बीमा, पेंशन, बच्चों के लिए शिक्षा सहायता और मातृत्व लाभ तक पहुंच देता है, राज्य भर की निर्माण परियोजनाओं पर एकत्रित उपकर से वित्तपोषित।",
      "benefit_amount_hi": "दुर्घटना/मृत्यु बीमा + पेंशन + शिक्षा + मातृत्व लाभ",
      "last_verified": "2026-09-24",
      "ministry": "Punjab Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Haryana",
      "slug": "deen-dayal-lado-lakshmi-yojana",
      "code": "SS-HR-WMC-001",
      "name": "Deen Dayal Lado Lakshmi Yojana",
      "category": "women-child",
      "official_url": "https://ladolakshmi.haryana.gov.in",
      "summary": "₹2,100 a month for women from low-income families in Haryana, launched 25 September 2025 on Pandit Deendayal Upadhyay's birth anniversary as a central BJP election promise ahead of the October 2024 state election. The government raised the family income ceiling from ₹1 lakh to ₹1.80 lakh in September 2026, adding around 17 lakh more eligible women, and restructured the monthly payment into ₹1,100 as direct cash and ₹1,000 deposited into a 5-year recurring deposit — building a small savings cushion alongside the immediate support.",
      "benefit_amount": "₹2,100/month (₹1,100 cash + ₹1,000 into 5-year RD)",
      "name_hi": "दीन दयाल लाडो लक्ष्मी योजना",
      "summary_hi": "हरियाणा के कम आय वाले परिवारों की महिलाओं के लिए ₹2,100 प्रति माह, पंडित दीनदयाल उपाध्याय की जयंती पर 25 सितंबर 2025 को अक्टूबर 2024 के राज्य चुनाव से पहले एक केंद्रीय भाजपा चुनावी वादे के रूप में शुरू। सरकार ने सितंबर 2026 में पारिवारिक आय सीमा ₹1 लाख से बढ़ाकर ₹1.80 लाख कर दी, लगभग 17 लाख और पात्र महिलाएं जोड़ते हुए, और मासिक भुगतान को ₹1,100 प्रत्यक्ष नकद और ₹1,000 पांच-वर्षीय आवर्ती जमा में पुनर्गठित किया — तत्काल सहायता के साथ एक छोटा बचत सहारा बनाते हुए।",
      "benefit_amount_hi": "₹2,100/माह (₹1,100 नकद + ₹1,000 5-वर्षीय RD में)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Justice, Empowerment, Welfare of SC & BC and Antyodaya, Government of Haryana",
      "launched": "25 September 2025"
    },
    {
      "level": "state",
      "state": "Haryana",
      "slug": "mukhyamantri-vivah-shagun-yojana-haryana",
      "code": "SS-HR-WMC-002",
      "name": "Mukhyamantri Vivah Shagun Yojana",
      "category": "women-child",
      "official_url": "https://haryanascbc.gov.in",
      "summary": "₹71,000 in marriage assistance for daughters of Scheduled Caste families in Haryana, aimed at easing the wedding costs that fall disproportionately hard on lower-income SC households.",
      "benefit_amount": "₹71,000",
      "name_hi": "मुख्यमंत्री विवाह शगुन योजना",
      "summary_hi": "हरियाणा के अनुसूचित जाति परिवारों की बेटियों के लिए ₹71,000 की विवाह सहायता, उन विवाह लागतों को कम करने के लक्ष्य के साथ जो कम आय वाले SC परिवारों पर असमान रूप से भारी पड़ती हैं।",
      "benefit_amount_hi": "₹71,000",
      "last_verified": "2026-09-24",
      "ministry": "Haryana Scheduled Castes and Backward Classes Development Corporation"
    },
    {
      "level": "state",
      "state": "Haryana",
      "slug": "dayalu-yojana-haryana",
      "code": "SS-HR-SWE-002",
      "name": "Deen Dayal Upadhyay Antyodaya Parivar Suraksha Yojana (Dayalu)",
      "category": "social-welfare-empowerment",
      "official_url": "https://socialjusticehry.gov.in",
      "summary": "Financial assistance for Haryana families facing the accidental or untimely death of a member aged 6 to 60 — running since 1 April 2023, with over ₹1,076 crore already disbursed to more than 28,644 beneficiaries as of a recent count. The scheme addresses a specific, sudden shock that other welfare programmes aren't designed to respond to quickly.",
      "benefit_amount": "Financial assistance on accidental/untimely death (age 6-60)",
      "name_hi": "दीन दयाल उपाध्याय अंत्योदय परिवार सुरक्षा योजना (दयालु)",
      "summary_hi": "हरियाणा के उन परिवारों के लिए वित्तीय सहायता जिनके 6 से 60 वर्ष की आयु के सदस्य की दुर्घटनावश या असामयिक मृत्यु हुई हो — 1 अप्रैल 2023 से चल रही, हाल की गिनती तक 28,644 से अधिक लाभार्थियों को ₹1,076 करोड़ से अधिक वितरित किए जा चुके हैं। यह योजना एक विशिष्ट, अचानक आघात को संबोधित करती है जिसका जवाब देने के लिए अन्य कल्याण कार्यक्रम डिज़ाइन नहीं किए गए हैं।",
      "benefit_amount_hi": "दुर्घटनावश/असामयिक मृत्यु पर वित्तीय सहायता (आयु 6-60)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Justice, Empowerment, Welfare of SC & BC and Antyodaya, Government of Haryana"
    },
    {
      "level": "state",
      "state": "Haryana",
      "slug": "mukhyamantri-antyodaya-parivar-utthan-yojana",
      "code": "SS-HR-SWE-003",
      "name": "Mukhyamantri Antyodaya Parivar Utthan Yojana (MAPU)",
      "category": "social-welfare-empowerment",
      "official_url": "https://saralharyana.gov.in",
      "summary": "Rather than a single cash benefit, MAPU takes a genuinely different approach: every family identified as among Haryana's poorest (annual income under ₹1 lakh, drawn from the Parivar Pehchan Patra database) gets a dedicated government official — a 'Parivar Mitra' — whose job is to actively help that family access the 30-plus government schemes they may be eligible for, spanning skill training, employment, agriculture support, scholarships and housing. Launched in 2021, the scheme's explicit goal is raising each identified family's income above ₹1.80 lakh a year through this coordinated access rather than a single payment.",
      "benefit_amount": "Dedicated 'Parivar Mitra' officer + coordinated access to 30+ schemes",
      "name_hi": "मुख्यमंत्री अंत्योदय परिवार उत्थान योजना (MAPU)",
      "summary_hi": "एक ही नकद लाभ के बजाय, MAPU वास्तव में एक अलग दृष्टिकोण अपनाती है: हरियाणा के सबसे गरीब (परिवार पहचान पत्र डेटाबेस से लिया गया, वार्षिक आय ₹1 लाख से कम) के रूप में पहचाने गए हर परिवार को एक समर्पित सरकारी अधिकारी — एक 'परिवार मित्र' — मिलता है जिसका काम उस परिवार को कौशल प्रशिक्षण, रोजगार, कृषि सहायता, छात्रवृत्ति और आवास सहित 30 से अधिक सरकारी योजनाओं तक सक्रिय रूप से पहुंचने में मदद करना है जिनके लिए वे पात्र हो सकते हैं। 2021 में शुरू, योजना का स्पष्ट लक्ष्य इस समन्वित पहुंच के माध्यम से हर पहचाने गए परिवार की आय को साल में ₹1.80 लाख से ऊपर उठाना है, एक ही भुगतान के बजाय।",
      "benefit_amount_hi": "समर्पित 'परिवार मित्र' अधिकारी + 30+ योजनाओं तक समन्वित पहुंच",
      "last_verified": "2026-09-24",
      "ministry": "Department of Antyodaya, Government of Haryana",
      "launched": "2021, initial 1 lakh families"
    },
    {
      "level": "state",
      "state": "Haryana",
      "slug": "haryana-free-dialysis-scheme",
      "code": "SS-HR-HLT-002",
      "name": "Haryana Free Dialysis Scheme",
      "category": "health-wellness",
      "official_url": "https://haryanahealth.gov.in",
      "summary": "Free dialysis for kidney patients at government facilities across Haryana, targeting around 20,000 patients — addressing a condition that requires treatment multiple times a week, indefinitely, making the cumulative cost of dialysis one of the more financially devastating chronic-illness burdens a family can face.",
      "benefit_amount": "Free dialysis treatment",
      "name_hi": "हरियाणा मुफ्त डायलिसिस योजना",
      "summary_hi": "हरियाणा भर की सरकारी सुविधाओं में किडनी मरीज़ों के लिए मुफ्त डायलिसिस, लगभग 20,000 मरीज़ों को लक्षित — एक ऐसी स्थिति को संबोधित करते हुए जिसके लिए हफ्ते में कई बार, अनिश्चित काल तक इलाज की ज़रूरत होती है, डायलिसिस की संचित लागत को परिवार के सामने आने वाले सबसे अधिक वित्तीय रूप से विनाशकारी दीर्घकालिक-बीमारी बोझों में से एक बनाते हुए।",
      "benefit_amount_hi": "मुफ्त डायलिसिस इलाज",
      "last_verified": "2026-09-24",
      "ministry": "Department of Health, Government of Haryana"
    },
    {
      "level": "state",
      "state": "Haryana",
      "slug": "mera-pani-meri-virasat-haryana",
      "code": "SS-HR-AGR-001",
      "name": "Mera Pani Meri Virasat",
      "category": "agriculture-rural-environment",
      "official_url": "https://agriharyana.gov.in",
      "summary": "A per-acre cash bonus for Haryana farmers who shift away from water-intensive paddy toward less thirsty crops — pulses, oilseeds, cotton and others — addressing the state's genuine groundwater depletion crisis by making water conservation financially rewarding rather than just environmentally responsible. The 2026-27 budget raised the bonus by ₹2,000 per acre for farmers growing pulses, oilseeds and cotton other than paddy.",
      "benefit_amount": "₹2,000+/acre bonus for shifting away from paddy",
      "name_hi": "मेरा पानी मेरी विरासत",
      "summary_hi": "हरियाणा के उन किसानों के लिए प्रति एकड़ नकद बोनस जो पानी-गहन धान से कम पानी चाहने वाली फसलों — दालें, तिलहन, कपास और अन्य — की ओर बढ़ते हैं, जल संरक्षण को केवल पर्यावरणीय रूप से ज़िम्मेदार होने के बजाय वित्तीय रूप से लाभदायक बनाकर राज्य के वास्तविक भूजल कमी संकट को संबोधित करते हुए। 2026-27 के बजट ने धान के अलावा दालें, तिलहन और कपास उगाने वाले किसानों के लिए बोनस ₹2,000 प्रति एकड़ बढ़ाया।",
      "benefit_amount_hi": "धान से हटने पर ₹2,000+/एकड़ बोनस",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture and Farmers Welfare, Government of Haryana"
    },
    {
      "level": "state",
      "state": "Haryana",
      "slug": "haryana-agri-discom",
      "code": "SS-HR-AGR-002",
      "name": "Haryana Agri Discom",
      "category": "agriculture-rural-environment",
      "official_url": "https://hpsclonline.org.in",
      "summary": "A dedicated electricity distribution company for Haryana's farmers, announced in the 2026-27 budget to address the long-standing problem of erratic and unreliable farm power supply — covering over 7 lakh agricultural electricity consumers across 5,084 feeders, aimed at giving farm power a distribution structure separate from the pressures and priorities of general residential and commercial supply.",
      "benefit_amount": "Dedicated, more reliable farm electricity supply",
      "name_hi": "हरियाणा एग्री डिस्कॉम",
      "summary_hi": "हरियाणा के किसानों के लिए एक समर्पित बिजली वितरण कंपनी, अनियमित और अविश्वसनीय कृषि बिजली आपूर्ति की लंबे समय से चली आ रही समस्या को संबोधित करने के लिए 2026-27 बजट में घोषित — 5,084 फीडरों में 7 लाख से अधिक कृषि बिजली उपभोक्ताओं को कवर करती है, सामान्य आवासीय और व्यावसायिक आपूर्ति के दबावों और प्राथमिकताओं से अलग कृषि बिजली को अपनी वितरण संरचना देने के लक्ष्य के साथ।",
      "benefit_amount_hi": "समर्पित, अधिक विश्वसनीय कृषि बिजली आपूर्ति",
      "last_verified": "2026-09-24",
      "ministry": "Haryana Power Utilities"
    },
    {
      "level": "state",
      "state": "Haryana",
      "slug": "mukhyamantri-yuva-pratibha-protsahan-yojana-haryana",
      "code": "SS-HR-EDU-002",
      "name": "Mukhyamantri Yuva Pratibha Protsahan Yojana (EWS Civil Service Component)",
      "category": "education-learning",
      "official_url": "https://haryana.gov.in",
      "summary": "Financial assistance for economically weaker Haryana candidates who've cleared the preliminary stage of UPSC, Haryana Public Service Commission, or judicial service exams, meant to fund the genuinely expensive Mains-Interview preparation cycle. Announced 8 April 2026, the support is income-graded — ₹70,000 for family income up to ₹1 lakh a year, ₹60,000 up to ₹1.80 lakh, ₹50,000 for ₹1.80-3 lakh, with lower amounts for the ₹3-5 lakh bracket — so the poorest qualifying candidates get the most support.",
      "benefit_amount": "₹25,000–₹70,000, by family income bracket",
      "name_hi": "मुख्यमंत्री युवा प्रतिभा प्रोत्साहन योजना (EWS सिविल सेवा घटक)",
      "summary_hi": "हरियाणा के आर्थिक रूप से कमज़ोर उन उम्मीदवारों के लिए वित्तीय सहायता जिन्होंने UPSC, हरियाणा लोक सेवा आयोग, या न्यायिक सेवा परीक्षाओं का प्रारंभिक चरण पास किया हो, वास्तव में महंगे मुख्य-साक्षात्कार तैयारी चक्र को वित्तपोषित करने के लिए। 8 अप्रैल 2026 को घोषित, सहायता आय-स्तरीय है — ₹1 लाख तक पारिवारिक आय के लिए ₹70,000, ₹1.80 लाख तक ₹60,000, ₹1.80-3 लाख के लिए ₹50,000, ₹3-5 लाख वर्ग के लिए कम राशि — ताकि सबसे गरीब योग्य उम्मीदवारों को सबसे अधिक सहायता मिले।",
      "benefit_amount_hi": "₹25,000–₹70,000, पारिवारिक आय वर्ग अनुसार",
      "last_verified": "2026-09-24",
      "ministry": "Department of Welfare of Scheduled Castes and Backward Classes, Government of Haryana"
    },
    {
      "level": "state",
      "state": "Haryana",
      "slug": "haryana-lpg-subsidy-women",
      "code": "SS-HR-UTL-001",
      "name": "Haryana LPG Subsidy for Women",
      "category": "utility-sanitation",
      "official_url": "https://haryana.gov.in",
      "summary": "LPG cylinders at a subsidised ₹500 for around 15 lakh women in Haryana, delivered within months of the BJP government taking office in October 2024 as one of its earliest fulfilled election promises — aimed at easing the cylinder-refill cost for households that would otherwise face the full, unsubsidised market price.",
      "benefit_amount": "LPG cylinder at ₹500 (subsidised)",
      "name_hi": "हरियाणा महिलाओं के लिए LPG सब्सिडी",
      "summary_hi": "हरियाणा की लगभग 15 लाख महिलाओं के लिए ₹500 में सब्सिडी वाले LPG सिलेंडर, अक्टूबर 2024 में भाजपा सरकार के पदभार संभालने के कुछ महीनों के भीतर इसके सबसे शुरुआती पूरे हुए चुनावी वादों में से एक के रूप में दिए गए — उन परिवारों के लिए सिलेंडर-रिफिल लागत कम करने के लक्ष्य के साथ जिन्हें अन्यथा पूरी, गैर-सब्सिडी वाली बाज़ार कीमत का सामना करना पड़ता।",
      "benefit_amount_hi": "₹500 में LPG सिलेंडर (सब्सिडी वाला)",
      "last_verified": "2026-09-24",
      "ministry": "Food, Civil Supplies and Consumer Affairs Department, Government of Haryana"
    },
    {
      "level": "state",
      "state": "Haryana",
      "slug": "haryana-ai-mission",
      "code": "SS-HR-SKL-001",
      "name": "Haryana AI Mission",
      "category": "skills-employment",
      "official_url": "https://haryana.gov.in",
      "summary": "A ₹474 crore initiative announced in the 2026-27 budget to train 1 lakh Haryana youth in artificial intelligence skills and implement AI-based models across departmental services — part of the state's broader push to position itself for a trillion-dollar economy target by 2047, and a genuinely large-scale bet on AI literacy as a distinct employability skill rather than a niche specialisation.",
      "benefit_amount": "Free AI skills training (target: 1 lakh youth)",
      "name_hi": "हरियाणा AI मिशन",
      "summary_hi": "2026-27 के बजट में घोषित ₹474 करोड़ की पहल, 1 लाख हरियाणा युवाओं को कृत्रिम बुद्धिमत्ता कौशल में प्रशिक्षित करने और विभागीय सेवाओं में AI-आधारित मॉडल लागू करने के लिए — 2047 तक ट्रिलियन-डॉलर अर्थव्यवस्था लक्ष्य के लिए खुद को स्थापित करने के राज्य के व्यापक प्रयास का हिस्सा, और एक आला विशेषज्ञता के बजाय एक विशिष्ट रोजगार-योग्यता कौशल के रूप में AI साक्षरता पर वास्तव में बड़े पैमाने का दांव।",
      "benefit_amount_hi": "मुफ्त AI कौशल प्रशिक्षण (लक्ष्य: 1 लाख युवा)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Information Technology, Government of Haryana"
    },
    {
      "level": "state",
      "state": "Haryana",
      "slug": "haryana-bocw-welfare-board",
      "code": "SS-HR-SKL-002",
      "name": "Haryana Building & Other Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://hrylabour.gov.in",
      "summary": "Registration with Haryana's construction workers' welfare board gives masons, labourers and other construction workers access to accident and death insurance, a pension, education support for children and maternity benefits, funded through a cess collected on construction projects across the state.",
      "benefit_amount": "Accident/death insurance + pension + education + maternity benefit",
      "name_hi": "हरियाणा भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड",
      "summary_hi": "हरियाणा के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों को दुर्घटना एवं मृत्यु बीमा, पेंशन, बच्चों के लिए शिक्षा सहायता और मातृत्व लाभ तक पहुंच देता है, राज्य भर की निर्माण परियोजनाओं पर एकत्रित उपकर से वित्तपोषित।",
      "benefit_amount_hi": "दुर्घटना/मृत्यु बीमा + पेंशन + शिक्षा + मातृत्व लाभ",
      "last_verified": "2026-09-24",
      "ministry": "Haryana Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Chhattisgarh",
      "slug": "krishak-unnati-yojana-chhattisgarh",
      "code": "SS-CG-AGR-001",
      "name": "Krishak Unnati Yojana",
      "category": "agriculture-rural-environment",
      "official_url": "https://krishi.cg.gov.in",
      "summary": "Paddy procurement at ₹3,100 per quintal (up to 21 quintals per acre) for Chhattisgarh's rice farmers — a core 'Modi Ki Guarantee' election promise the Sai government fulfilled, with the state's first Good Governance Day (25 December 2023) marking a ₹3,716 crore transfer of two years' pending bonus to 1.3 million farmers. In the 2023-24 season alone, 24.75 lakh farmers sold a record 14.492 lakh metric tonnes of paddy under the scheme, worth ₹31,913 crore in support price plus a ₹13,320 crore differential top-up.",
      "benefit_amount": "₹3,100/quintal (up to 21 quintals/acre)",
      "name_hi": "किसान उन्नति योजना",
      "summary_hi": "छत्तीसगढ़ के धान किसानों के लिए ₹3,100 प्रति क्विंटल (प्रति एकड़ 21 क्विंटल तक) पर धान खरीद — एक मुख्य 'मोदी की गारंटी' चुनावी वादा जिसे सई सरकार ने पूरा किया, राज्य के पहले सुशासन दिवस (25 दिसंबर 2023) पर 1.3 मिलियन किसानों को दो साल के लंबित बोनस के रूप में ₹3,716 करोड़ हस्तांतरित किए गए। अकेले 2023-24 सीज़न में, 24.75 लाख किसानों ने योजना के तहत रिकॉर्ड 14.492 लाख मीट्रिक टन धान बेचा, समर्थन मूल्य में ₹31,913 करोड़ और ₹13,320 करोड़ का अतिरिक्त अंतर भुगतान।",
      "benefit_amount_hi": "₹3,100/क्विंटल (प्रति एकड़ 21 क्विंटल तक)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture and Farmers Welfare, Government of Chhattisgarh"
    },
    {
      "level": "state",
      "state": "Chhattisgarh",
      "slug": "shaheed-veer-narayan-singh-ayushman-swasthya-yojana",
      "code": "SS-CG-HLT-001",
      "name": "Shaheed Veer Narayan Singh Ayushman Swasthya Yojana (formerly Dr. Khubchand Baghel Swasthya Sahayata Yojana)",
      "category": "health-wellness",
      "official_url": "https://govthealth.cg.gov.in/sna/",
      "summary": "Cashless treatment of up to ₹5 lakh a year for Antyodaya and Priority ration card holders, ₹50,000 for other families, and up to ₹20 lakh for rare diseases — an integrated health scheme covering over 56 lakh families across 1,702 empanelled hospitals, merging Ayushman Bharat and several older Chhattisgarh health schemes into one trust-based programme. Launched as Dr. Khubchand Baghel Swasthya Sahayata Yojana under the previous Congress government in 2019, and renamed by the BJP government in June 2024 — a rename only, with the portal, enrolment process, hospital network and benefit amounts left unchanged.",
      "benefit_amount": "₹5,00,000/year (Antyodaya/Priority) or ₹50,000/year (general); up to ₹20L for rare diseases",
      "name_hi": "शहीद वीर नारायण सिंह आयुष्मान स्वास्थ्य योजना (पूर्व नाम: डॉ. खूबचंद बघेल स्वास्थ्य सहायता योजना)",
      "summary_hi": "अंत्योदय और प्राथमिकता राशन कार्ड धारकों के लिए साल में ₹5 लाख तक कैशलेस इलाज, अन्य परिवारों के लिए ₹50,000, और दुर्लभ बीमारियों के लिए ₹20 लाख तक — 1,702 सूचीबद्ध अस्पतालों में 56 लाख से अधिक परिवारों को कवर करने वाली एक एकीकृत स्वास्थ्य योजना, आयुष्मान भारत और छत्तीसगढ़ की कई पुरानी स्वास्थ्य योजनाओं को एक ट्रस्ट-आधारित कार्यक्रम में मिलाते हुए। पिछली कांग्रेस सरकार के तहत 2019 में डॉ. खूबचंद बघेल स्वास्थ्य सहायता योजना के रूप में शुरू, और जून 2024 में भाजपा सरकार द्वारा नाम बदला गया — केवल नाम बदला, पोर्टल, नामांकन प्रक्रिया, अस्पताल नेटवर्क और लाभ राशि अपरिवर्तित रहे।",
      "benefit_amount_hi": "₹5,00,000/वर्ष (अंत्योदय/प्राथमिकता) या ₹50,000/वर्ष (सामान्य); दुर्लभ बीमारियों के लिए ₹20L तक",
      "last_verified": "2026-09-24",
      "ministry": "Department of Health and Family Welfare, Government of Chhattisgarh"
    },
    {
      "level": "state",
      "state": "Chhattisgarh",
      "slug": "charan-paduka-yojana-chhattisgarh",
      "code": "SS-CG-SWE-002",
      "name": "Charan Paduka Yojana",
      "category": "social-welfare-empowerment",
      "official_url": "https://cg.gov.in",
      "summary": "Free footwear for tribal forest dwellers in Chhattisgarh, protecting against the genuinely common injuries and infections that come from walking barefoot through forest terrain for daily work and travel. First launched in November 2005 under the Raman Singh government and expanded in 2008 to include sandals for women, the scheme was discontinued during 2018-2023 under the Congress government and officially relaunched by CM Vishnu Deo Sai on 29 June 2025 as part of fulfilling 'Modi Ki Guarantee' promises.",
      "benefit_amount": "Free footwear (shoes for men, sandals for women)",
      "name_hi": "चरण पादुका योजना",
      "summary_hi": "छत्तीसगढ़ के आदिवासी वनवासियों के लिए मुफ्त जूते-चप्पल, दैनिक काम और यात्रा के लिए वन क्षेत्र में नंगे पांव चलने से होने वाली वास्तव में आम चोटों और संक्रमणों से बचाव। नवंबर 2005 में रमन सिंह सरकार के तहत पहली बार शुरू और 2008 में महिलाओं के लिए सैंडल शामिल करने के लिए विस्तारित, यह योजना 2018-2023 के दौरान कांग्रेस सरकार के तहत बंद हुई और मुख्यमंत्री विष्णु देव साय द्वारा 29 जून 2025 को 'मोदी की गारंटी' वादों को पूरा करने के हिस्से के रूप में आधिकारिक रूप से दोबारा शुरू की गई।",
      "benefit_amount_hi": "मुफ्त जूते-चप्पल (पुरुषों के लिए जूते, महिलाओं के लिए सैंडल)",
      "last_verified": "2026-09-24",
      "ministry": "Tribal Welfare Department, Government of Chhattisgarh"
    },
    {
      "level": "state",
      "state": "Chhattisgarh",
      "slug": "bijli-bill-half-yojana-chhattisgarh",
      "code": "SS-CG-UTL-001",
      "name": "Bijli Bill Half Yojana",
      "category": "utility-sanitation",
      "official_url": "https://cspdcl.co.in",
      "summary": "A 50% reduction on electricity bills for domestic consumers in Chhattisgarh who use up to 400 units a month — launched under the previous Congress government and explicitly continued by CM Vishnu Deo Sai's BJP government, which reviewed the scheme after taking office in December 2023 and chose to keep it running rather than discontinue it along with some other Congress-era programmes.",
      "benefit_amount": "50% off electricity bill (up to 400 units/month)",
      "name_hi": "बिजली बिल हाफ योजना",
      "summary_hi": "छत्तीसगढ़ के उन घरेलू उपभोक्ताओं के लिए बिजली बिल पर 50% छूट जो महीने में 400 यूनिट तक उपयोग करते हैं — पिछली कांग्रेस सरकार के तहत शुरू और मुख्यमंत्री विष्णु देव साय की भाजपा सरकार द्वारा स्पष्ट रूप से जारी, जिसने दिसंबर 2023 में पदभार संभालने के बाद योजना की समीक्षा की और कुछ अन्य कांग्रेस-युग कार्यक्रमों के साथ इसे बंद करने के बजाय जारी रखने का विकल्प चुना।",
      "benefit_amount_hi": "बिजली बिल पर 50% छूट (महीने में 400 यूनिट तक)",
      "last_verified": "2026-09-24",
      "ministry": "Chhattisgarh State Power Distribution Company (CSPDCL)"
    },
    {
      "level": "state",
      "state": "Chhattisgarh",
      "slug": "shri-ramlala-ayodhya-dham-darshan-yojana",
      "code": "SS-CG-SWE-003",
      "name": "Shri Ramlala Ayodhya Dham Darshan Yojana",
      "category": "social-welfare-empowerment",
      "official_url": "https://cg.gov.in",
      "summary": "Free pilgrimage tours to Ayodhya for Chhattisgarh residents, started by the Vishnu Deo Sai administration — covering travel and related arrangements so that devotees who might not otherwise be able to afford the trip can visit Ram Lalla's temple.",
      "benefit_amount": "Free pilgrimage tour to Ayodhya",
      "name_hi": "श्री रामलला अयोध्या धाम दर्शन योजना",
      "summary_hi": "छत्तीसगढ़ के निवासियों के लिए अयोध्या की मुफ्त तीर्थ यात्रा, विष्णु देव साय प्रशासन द्वारा शुरू — यात्रा और संबंधित व्यवस्था को कवर करते हुए ताकि वे श्रद्धालु जो अन्यथा यात्रा का खर्च नहीं उठा पाते, राम लला के मंदिर के दर्शन कर सकें।",
      "benefit_amount_hi": "अयोध्या की मुफ्त तीर्थ यात्रा",
      "last_verified": "2026-09-24",
      "ministry": "Department of Culture and Tourism, Government of Chhattisgarh"
    },
    {
      "level": "state",
      "state": "Chhattisgarh",
      "slug": "niyad-nellanar-scheme",
      "code": "SS-CG-SWE-004",
      "name": "Niyad Nellanar Scheme (Your Good Village)",
      "category": "social-welfare-empowerment",
      "official_url": "https://cg.gov.in",
      "summary": "A genuinely unusual welfare model: as security forces established new camps in core Maoist-affected zones of Bastar (58 camps set up in areas like Puvarti as of the government's count), Niyad Nellanar uses each camp as a hub to deliver 25 basic government services — schools, health centres and more — directly to villages that had previously been effectively cut off from state services by the conflict. It's welfare delivery built around the reality of an active security operation rather than assuming normal administrative access.",
      "benefit_amount": "25 basic services (schools, healthcare, etc.) via security-camp hubs",
      "name_hi": "नियद नेल्लानार योजना (आपका अच्छा गांव)",
      "summary_hi": "एक वास्तव में असामान्य कल्याण मॉडल: जैसे-जैसे सुरक्षा बलों ने बस्तर के मुख्य माओवादी-प्रभावित क्षेत्रों में नए शिविर स्थापित किए (सरकार की गिनती के अनुसार पुवर्ती जैसे क्षेत्रों में 58 शिविर स्थापित), नियद नेल्लानार हर शिविर को उन गांवों तक सीधे 25 बुनियादी सरकारी सेवाएं — स्कूल, स्वास्थ्य केंद्र और अधिक — पहुंचाने के केंद्र के रूप में उपयोग करती है जो संघर्ष के कारण पहले प्रभावी रूप से राज्य सेवाओं से कटे हुए थे। यह सामान्य प्रशासनिक पहुंच मानने के बजाय एक सक्रिय सुरक्षा अभियान की वास्तविकता के आसपास बना कल्याण वितरण है।",
      "benefit_amount_hi": "सुरक्षा-शिविर केंद्रों के ज़रिए 25 बुनियादी सेवाएं (स्कूल, स्वास्थ्य सेवा आदि)",
      "last_verified": "2026-09-24",
      "ministry": "Home Department and Bastar Division Administration, Government of Chhattisgarh"
    },
    {
      "level": "state",
      "state": "Chhattisgarh",
      "slug": "tendu-patta-sangrahan-yojana-chhattisgarh",
      "code": "SS-CG-BIZ-001",
      "name": "Tendu Patta Sangrahan (Collection) Scheme",
      "category": "business-entrepreneurship",
      "official_url": "https://cg.gov.in",
      "summary": "Tendu leaf collection — used to wrap beedis — is a major seasonal income source for around 12.5 lakh forest-dwelling families in Chhattisgarh, and the state sets the remuneration rate paid per standard bag collected. The Sai government raised this rate from ₹4,000 to ₹5,500 per standard bag, a direct income increase for one of the state's largest forest-produce-dependent workforces without requiring any change in how the work itself is done.",
      "benefit_amount": "₹5,500/standard bag (raised from ₹4,000)",
      "name_hi": "तेंदू पत्ता संग्रहण योजना",
      "summary_hi": "तेंदू पत्ता संग्रह — बीड़ी लपेटने में उपयोग — छत्तीसगढ़ के लगभग 12.5 लाख वनवासी परिवारों के लिए एक प्रमुख मौसमी आय स्रोत है, और राज्य एकत्र किए गए प्रति मानक बोरा भुगतान की गई पारिश्रमिक दर तय करता है। सई सरकार ने इस दर को ₹4,000 से बढ़ाकर ₹5,500 प्रति मानक बोरा किया, राज्य के सबसे बड़े वन-उपज-निर्भर कार्यबलों में से एक के लिए एक प्रत्यक्ष आय बढ़ोतरी, काम करने के तरीके में कोई बदलाव किए बिना।",
      "benefit_amount_hi": "₹5,500/मानक बोरा (₹4,000 से बढ़ाया गया)",
      "last_verified": "2026-09-24",
      "ministry": "Chhattisgarh State Minor Forest Produce (Trading and Development) Cooperative Federation"
    },
    {
      "level": "state",
      "state": "Chhattisgarh",
      "slug": "prayas-residential-school-chhattisgarh",
      "code": "SS-CG-EDU-002",
      "name": "Prayas Residential School",
      "category": "education-learning",
      "official_url": "https://cgtribal.gov.in",
      "summary": "Free residential schooling and coaching for tribal students from Naxal-affected districts of Chhattisgarh, aimed at getting genuinely talented students from conflict-hit areas into engineering colleges and other competitive institutions — a goal the programme has demonstrably met, with 249 students from its first batch alone clearing Class 12 and going on to competitive entrance exams including PET, the All India Engineering Entrance Examination and IIT. Established in Raipur in 2010 and later extended to Sarguja, Raigarh, Korba and Bastar districts, the programme covers food, uniforms and other living costs alongside academic coaching.",
      "benefit_amount": "Free residential schooling + coaching + food/uniform costs",
      "name_hi": "प्रयास आवासीय विद्यालय",
      "summary_hi": "छत्तीसगढ़ के नक्सल-प्रभावित ज़िलों के आदिवासी विद्यार्थियों के लिए मुफ्त आवासीय स्कूली शिक्षा और कोचिंग, संघर्ष-ग्रस्त क्षेत्रों के वास्तव में प्रतिभाशाली विद्यार्थियों को इंजीनियरिंग कॉलेजों और अन्य प्रतियोगी संस्थानों में पहुंचाने के लक्ष्य के साथ — एक लक्ष्य जिसे कार्यक्रम ने स्पष्ट रूप से पूरा किया है, अकेले पहले बैच के 249 विद्यार्थियों ने कक्षा 12 पास की और PET, अखिल भारतीय इंजीनियरिंग प्रवेश परीक्षा और IIT सहित प्रतियोगी प्रवेश परीक्षाओं में आगे बढ़े। 2010 में रायपुर में स्थापित और बाद में सरगुजा, रायगढ़, कोरबा और बस्तर ज़िलों तक विस्तारित, कार्यक्रम शैक्षणिक कोचिंग के साथ-साथ भोजन, गणवेश और अन्य जीवन-यापन लागतों को कवर करता है।",
      "benefit_amount_hi": "मुफ्त आवासीय स्कूली शिक्षा + कोचिंग + भोजन/गणवेश लागत",
      "last_verified": "2026-09-24",
      "ministry": "Tribal and Scheduled Castes Welfare Department, Government of Chhattisgarh"
    },
    {
      "level": "state",
      "state": "Chhattisgarh",
      "slug": "cg-scholarship-portal",
      "code": "SS-CG-EDU-003",
      "name": "CG Scholarship Portal (Post-Matric, BPL & Divyangjan Scholarships)",
      "category": "education-learning",
      "official_url": "https://schoolscholarship.cg.nic.in",
      "summary": "A single portal covering multiple Chhattisgarh scholarship schemes — Post-Matric scholarships, the BPL Scholarship Scheme for college students, and the State Scholarship Scheme for Divyangjan (disabled) students — for students with a Chhattisgarh domicile certificate, whether currently studying in the state or elsewhere. Applications and renewals for the 2026-27 academic year were open with a 30 September 2026 deadline.",
      "benefit_amount": "Tuition/maintenance support, by scholarship stream",
      "name_hi": "CG छात्रवृत्ति पोर्टल (पोस्ट-मैट्रिक, BPL एवं दिव्यांगजन छात्रवृत्ति)",
      "summary_hi": "छत्तीसगढ़ की कई छात्रवृत्ति योजनाओं को कवर करने वाला एक पोर्टल — पोस्ट-मैट्रिक छात्रवृत्ति, कॉलेज विद्यार्थियों के लिए BPL छात्रवृत्ति योजना, और दिव्यांगजन विद्यार्थियों के लिए राज्य छात्रवृत्ति योजना — छत्तीसगढ़ डोमिसाइल प्रमाण पत्र वाले विद्यार्थियों के लिए, चाहे वे वर्तमान में राज्य में पढ़ रहे हों या कहीं और। 2026-27 शैक्षणिक वर्ष के लिए आवेदन और नवीनीकरण 30 सितंबर 2026 की समय सीमा के साथ खुले थे।",
      "benefit_amount_hi": "ट्यूशन/भरण-पोषण सहायता, छात्रवृत्ति धारा अनुसार",
      "last_verified": "2026-09-24",
      "ministry": "Tribal and Scheduled Castes Welfare Department / School Education Department, Government of Chhattisgarh"
    },
    {
      "level": "state",
      "state": "Chhattisgarh",
      "slug": "chhattisgarh-bocw-welfare-board",
      "code": "SS-CG-SKL-001",
      "name": "Chhattisgarh Building & Other Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://cglabour.nic.in",
      "summary": "Registration with Chhattisgarh's construction workers' welfare board gives masons, labourers and other construction workers access to accident and death insurance, a pension, and maternity benefits, plus education-specific support through the Mukhyamantri Naunihal Chatravriti Yojana (a scholarship for registered workers' children, revised and renamed in October 2022, with girls receiving higher amounts than boys) and Vishesh Shiksha Sahaayata Yojana, which specifically funds the education of children whose construction-worker parent has died.",
      "benefit_amount": "Accident/death insurance + pension + maternity + children's education scholarships",
      "name_hi": "छत्तीसगढ़ भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड",
      "summary_hi": "छत्तीसगढ़ के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों को दुर्घटना एवं मृत्यु बीमा, पेंशन, और मातृत्व लाभ तक पहुंच देता है, साथ ही मुख्यमंत्री नौनिहाल छात्रवृत्ति योजना (पंजीकृत श्रमिकों के बच्चों के लिए छात्रवृत्ति, अक्टूबर 2022 में संशोधित एवं नाम बदली, लड़कियों को लड़कों से अधिक राशि) और विशेष शिक्षा सहायता योजना के माध्यम से विशिष्ट शिक्षा सहायता, जो विशेष रूप से उन बच्चों की शिक्षा को वित्तपोषित करती है जिनके निर्माण-श्रमिक माता-पिता की मृत्यु हो गई हो।",
      "benefit_amount_hi": "दुर्घटना/मृत्यु बीमा + पेंशन + मातृत्व + बच्चों की शिक्षा छात्रवृत्ति",
      "last_verified": "2026-09-24",
      "ministry": "Chhattisgarh Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Chhattisgarh",
      "slug": "rani-durgavati-yojana-chhattisgarh",
      "code": "SS-CG-WMC-002",
      "name": "Rani Durgavati Yojana",
      "category": "women-child",
      "official_url": "https://cg.gov.in",
      "summary": "A new scheme for girls announced alongside an enhanced ₹8,200 crore allocation for Mahtari Vandan Yojana in the Chhattisgarh 2026-27 budget. As with several other newly announced schemes across Indian states this budget cycle, detailed eligibility, benefit amounts and the application process hadn't been separately published at the time of writing — treat this page as a placeholder pending an official notification, and confirm current details with the Women and Child Development Department before making plans around it.",
      "benefit_amount": "Details awaited — confirm with Women and Child Development Department",
      "name_hi": "रानी दुर्गावती योजना",
      "summary_hi": "छत्तीसगढ़ 2026-27 बजट में महतारी वंदन योजना के लिए बढ़े हुए ₹8,200 करोड़ आवंटन के साथ घोषित बालिकाओं के लिए एक नई योजना। इस बजट चक्र में भारतीय राज्यों में कई अन्य नई घोषित योजनाओं की तरह, विस्तृत पात्रता, लाभ राशि और आवेदन प्रक्रिया इस लेखन के समय अलग से प्रकाशित नहीं हुई थी — इस पेज को आधिकारिक अधिसूचना की प्रतीक्षा में एक प्लेसहोल्डर मानें, और इसके आसपास योजना बनाने से पहले महिला एवं बाल विकास विभाग से वर्तमान विवरण की पुष्टि करें।",
      "benefit_amount_hi": "विवरण प्रतीक्षित — महिला एवं बाल विकास विभाग से पुष्टि करें",
      "last_verified": "2026-09-24",
      "ministry": "Women and Child Development Department, Government of Chhattisgarh"
    },
    {
      "level": "state",
      "state": "Uttarakhand",
      "slug": "atal-ayushman-uttarakhand-yojana",
      "code": "SS-UK-HLT-001",
      "name": "Atal Ayushman Uttarakhand Yojana (AAUY)",
      "category": "health-wellness",
      "official_url": "https://health.uk.gov.in",
      "summary": "Cashless health cover of ₹5 lakh a year per family for every permanent resident of Uttarakhand, not just those meeting central Ayushman Bharat's SECC eligibility criteria — the state extended the same PM-JAY benefit package and hospital network to its entire population. Launched 25 December 2018, the number of covered families rose from around 5 lakh under PM-JAY alone to roughly 22.5 lakh once AAUY filled the gap, covering 1,350+ disease types at government hospitals, AIIMS and referred private hospitals.",
      "benefit_amount": "₹5,00,000/family/year cashless cover",
      "name_hi": "अटल आयुष्मान उत्तराखंड योजना (AAUY)",
      "summary_hi": "उत्तराखंड के हर स्थायी निवासी परिवार के लिए साल में ₹5 लाख का कैशलेस स्वास्थ्य कवर, केवल केंद्रीय आयुष्मान भारत के SECC पात्रता मानदंड पूरे करने वालों तक सीमित नहीं — राज्य ने अपनी पूरी आबादी तक वही PM-JAY लाभ पैकेज और अस्पताल नेटवर्क बढ़ाया। 25 दिसंबर 2018 को शुरू, कवर किए गए परिवारों की संख्या केवल PM-JAY के तहत लगभग 5 लाख से बढ़कर AAUY द्वारा कमी भरने के बाद लगभग 22.5 लाख हो गई, सरकारी अस्पतालों, AIIMS और रेफर किए गए निजी अस्पतालों में 1,350+ रोग प्रकारों को कवर करते हुए।",
      "benefit_amount_hi": "₹5,00,000/परिवार/वर्ष कैशलेस कवर",
      "last_verified": "2026-09-24",
      "ministry": "State Health Authority, Government of Uttarakhand",
      "launched": "25 December 2018"
    },
    {
      "level": "state",
      "state": "Uttarakhand",
      "slug": "mukhyamantri-mahalaxmi-kit-yojana",
      "code": "SS-UK-WMC-002",
      "name": "Mukhyamantri Mahalaxmi Kit Yojana",
      "category": "women-child",
      "official_url": "https://wcd.uk.gov.in",
      "summary": "A Mahalaxmi Kit — supplies to support the mother's and newborn's early health and hygiene needs — given after the institutional delivery of a family's first two girl children, for mothers registered with an Anganwadi Centre. A revised version of the earlier Soubhagyawati Yojana from the Trivendra Singh Rawat government, relaunched by CM Dhami's administration to specifically support families having girl children.",
      "benefit_amount": "Mahalaxmi Kit (health/hygiene supplies) for mother + newborn girl child",
      "name_hi": "मुख्यमंत्री महालक्ष्मी किट योजना",
      "summary_hi": "महालक्ष्मी किट — मां और नवजात की शुरुआती स्वास्थ्य एवं स्वच्छता ज़रूरतों का समर्थन करने वाली आपूर्ति — परिवार की पहली दो बेटियों के संस्थागत प्रसव के बाद दी जाती है, उन माताओं के लिए जो आंगनवाड़ी केंद्र में पंजीकृत हैं। त्रिवेंद्र सिंह रावत सरकार की पहले की सौभाग्यवती योजना का संशोधित संस्करण, CM धामी के प्रशासन द्वारा विशेष रूप से बेटियों वाले परिवारों का समर्थन करने के लिए दोबारा शुरू।",
      "benefit_amount_hi": "मां + नवजात बेटी के लिए महालक्ष्मी किट (स्वास्थ्य/स्वच्छता आपूर्ति)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Women Empowerment and Child Development, Government of Uttarakhand"
    },
    {
      "level": "state",
      "state": "Uttarakhand",
      "slug": "mukhyamantri-ekal-mahila-swarozgar-yojana",
      "code": "SS-UK-BIZ-001",
      "name": "Mukhyamantri Ekal Mahila Swarozgar Yojana",
      "category": "business-entrepreneurship",
      "official_url": "https://uk.gov.in",
      "summary": "Up to ₹2 lakh for unmarried, divorced, abandoned, widowed and differently-abled single women in Uttarakhand to start their own business — 75% of the amount as an outright grant, with beneficiaries contributing just 25% themselves. Approved in March 2025 and announced by Women Empowerment Minister Rekha Arya as an early Women's Day gift, the scheme targeted at least 2,000 women in its first phase, with room to expand based on how it performed.",
      "benefit_amount": "Up to ₹2,00,000 (75% grant + 25% beneficiary contribution)",
      "name_hi": "मुख्यमंत्री एकल महिला स्वरोज़गार योजना",
      "summary_hi": "उत्तराखंड की अविवाहित, तलाकशुदा, परित्यक्त, विधवा और दिव्यांग अकेली महिलाओं के लिए अपना व्यवसाय शुरू करने हेतु ₹2 लाख तक — राशि का 75% सीधा अनुदान, लाभार्थी खुद केवल 25% योगदान देती हैं। मार्च 2025 में स्वीकृत और महिला सशक्तिकरण मंत्री रेखा आर्या द्वारा एक जल्दी महिला दिवस उपहार के रूप में घोषित, योजना ने पहले चरण में कम से कम 2,000 महिलाओं को लक्षित किया, प्रदर्शन के आधार पर विस्तार की गुंजाइश के साथ।",
      "benefit_amount_hi": "₹2,00,000 तक (75% अनुदान + 25% लाभार्थी योगदान)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Women Empowerment and Child Development, Government of Uttarakhand"
    },
    {
      "level": "state",
      "state": "Uttarakhand",
      "slug": "mukhyamantri-swarojgar-yojana-uttarakhand",
      "code": "SS-UK-SKL-001",
      "name": "Mukhyamantri Swarojgar Yojana",
      "category": "skills-employment",
      "official_url": "https://msy.uk.gov.in",
      "summary": "A self-employment support scheme launched by then-CM Trivendra Singh Rawat on 28 May 2020, specifically aimed at retaining migrants who'd returned to Uttarakhand's hill districts during the COVID-19 lockdown — rather than losing that returning workforce back to cities once travel resumed, the scheme funds local self-employment ventures to give returnees a reason and a means to stay.",
      "benefit_amount": "Self-employment loan/subsidy support (confirm current terms)",
      "name_hi": "मुख्यमंत्री स्वरोज़गार योजना",
      "summary_hi": "तत्कालीन CM त्रिवेंद्र सिंह रावत द्वारा 28 मई 2020 को शुरू की गई स्वरोज़गार सहायता योजना, विशेष रूप से कोविड-19 लॉकडाउन के दौरान उत्तराखंड के पहाड़ी ज़िलों में लौटे प्रवासियों को बनाए रखने के लक्ष्य के साथ — यात्रा फिर से शुरू होने पर उस लौटी हुई कार्यबल को शहरों में वापस खोने के बजाय, योजना स्थानीय स्वरोज़गार उद्यमों को वित्तपोषित करती है ताकि लौटने वालों को रुकने का कारण और साधन मिले।",
      "benefit_amount_hi": "स्वरोज़गार ऋण/सब्सिडी सहायता (वर्तमान शर्तें पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Directorate of Industries, Government of Uttarakhand",
      "launched": "28 May 2020"
    },
    {
      "level": "state",
      "state": "Himachal Pradesh",
      "slug": "indira-gandhi-sukh-shiksha-yojana",
      "code": "SS-HP-WMC-001",
      "name": "Indira Gandhi Sukh Shiksha Yojana",
      "category": "women-child",
      "official_url": "https://himachal.nic.in",
      "summary": "₹1,000 a month for children under 18 from Himachal Pradesh families headed by a widow, destitute woman, divorced woman, or disabled parent, plus financial assistance for higher education once they're older — a targeted response to households where a parent's own vulnerability puts a child's schooling and wellbeing genuinely at risk. Unlike Mukhyamantri Sukh Ashray Yojana, which takes full state responsibility for orphaned children, this scheme supports children who still have a parent present but facing real hardship. Launched with an annual budget of ₹53.21 crore, aiming to cover 23,000 children.",
      "benefit_amount": "₹1,000/month (under 18) + higher education financial aid",
      "name_hi": "इंदिरा गांधी सुख शिक्षा योजना",
      "summary_hi": "हिमाचल प्रदेश के उन परिवारों के 18 वर्ष से कम आयु के बच्चों के लिए ₹1,000 प्रति माह जिनकी मुखिया विधवा, निराश्रित महिला, तलाकशुदा महिला, या दिव्यांग माता-पिता हों, साथ ही बड़े होने पर उच्च शिक्षा के लिए वित्तीय सहायता — उन परिवारों के लिए एक लक्षित प्रतिक्रिया जहां माता-पिता की अपनी असुरक्षा बच्चे की स्कूली शिक्षा और कल्याण को वास्तव में जोखिम में डालती है। मुख्यमंत्री सुख आश्रय योजना के विपरीत, जो अनाथ बच्चों की पूरी राज्य ज़िम्मेदारी लेती है, यह योजना उन बच्चों का समर्थन करती है जिनके माता-पिता अभी मौजूद हैं लेकिन वास्तविक कठिनाई का सामना कर रहे हैं। ₹53.21 करोड़ के वार्षिक बजट के साथ शुरू, 23,000 बच्चों को कवर करने का लक्ष्य।",
      "benefit_amount_hi": "₹1,000/माह (18 वर्ष से कम) + उच्च शिक्षा वित्तीय सहायता",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Justice and Empowerment, Government of Himachal Pradesh"
    },
    {
      "level": "state",
      "state": "Himachal Pradesh",
      "slug": "himachal-natural-farming-msp-scheme",
      "code": "SS-HP-AGR-001",
      "name": "Natural Farming MSP Scheme (Prakritik Kheti Khushhal Kisan Yojana)",
      "category": "agriculture-rural-environment",
      "official_url": "https://hpkrishi.nic.in",
      "summary": "The highest minimum support price in the country for naturally-grown wheat (₹40/kg) and maize (₹30/kg), designed to make chemical-free farming genuinely more profitable than conventional farming rather than just environmentally preferable. Over 1.98 lakh farmers across 35,000 hectares have taken up natural farming under the scheme, and the state has begun processing the procured maize into 'Him Bhog Atta' flour, sold under the government's own brand — in one procurement round alone, 398 tonnes of maize was bought from 1,506 farmers with ₹1.20 crore transferred directly to their accounts.",
      "benefit_amount": "₹40/kg (wheat) / ₹30/kg (maize) — highest MSP in India for natural produce",
      "name_hi": "प्राकृतिक खेती खुशहाल किसान योजना (न्यूनतम समर्थन मूल्य योजना)",
      "summary_hi": "प्राकृतिक रूप से उगाए गए गेहूं (₹40/किलो) और मक्के (₹30/किलो) के लिए देश में सबसे अधिक न्यूनतम समर्थन मूल्य, रसायन-मुक्त खेती को केवल पर्यावरणीय रूप से बेहतर के बजाय वास्तव में पारंपरिक खेती से अधिक लाभदायक बनाने के लिए डिज़ाइन किया गया। योजना के तहत 35,000 हेक्टेयर में 1.98 लाख से अधिक किसानों ने प्राकृतिक खेती अपनाई है, और राज्य ने खरीदे गए मक्के को 'हिम भोग आटा' में संसाधित करना शुरू किया है, सरकार के अपने ब्रांड के तहत बेचा जाता है — अकेले एक खरीद दौर में, 1,506 किसानों से 398 टन मक्का खरीदा गया, ₹1.20 करोड़ सीधे उनके खातों में हस्तांतरित किए गए।",
      "benefit_amount_hi": "₹40/किलो (गेहूं) / ₹30/किलो (मक्का) — भारत में प्राकृतिक उपज का सबसे अधिक MSP",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture, Government of Himachal Pradesh"
    },
    {
      "level": "state",
      "state": "Himachal Pradesh",
      "slug": "himachal-mobile-ayush-healthcare-units",
      "code": "SS-HP-HLT-002",
      "name": "Mobile Ayush Healthcare Units",
      "category": "health-wellness",
      "official_url": "https://ayush.hp.gov.in",
      "summary": "Five mobile healthcare units bringing Ayurveda, Unani and Homeopathy treatment directly to remote tribal regions of Himachal Pradesh — Kinnaur, Lahaul & Spiti, Chamba, and the Shillai block of Sirmaur — where the terrain and distance make regular travel to a fixed clinic genuinely difficult for many residents.",
      "benefit_amount": "Free Ayush (Ayurveda/Unani/Homeopathy) treatment via mobile units",
      "name_hi": "मोबाइल आयुष स्वास्थ्य सेवा इकाइयां",
      "summary_hi": "हिमाचल प्रदेश के दूरदराज़ आदिवासी क्षेत्रों — किन्नौर, लाहौल एवं स्पीति, चंबा, और सिरमौर के शिलाई ब्लॉक — तक सीधे आयुर्वेद, यूनानी और होम्योपैथी इलाज पहुंचाने वाली पांच मोबाइल स्वास्थ्य इकाइयां, जहां भूभाग और दूरी कई निवासियों के लिए एक स्थायी क्लिनिक तक नियमित यात्रा को वास्तव में कठिन बनाती है।",
      "benefit_amount_hi": "मोबाइल इकाइयों के ज़रिए मुफ्त आयुष (आयुर्वेद/यूनानी/होम्योपैथी) इलाज",
      "last_verified": "2026-09-24",
      "ministry": "Department of AYUSH, Government of Himachal Pradesh"
    },
    {
      "level": "state",
      "state": "Himachal Pradesh",
      "slug": "himachal-pradesh-bocw-welfare-board",
      "code": "SS-HP-SKL-001",
      "name": "Himachal Pradesh Building & Other Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://hplabour.nic.in",
      "summary": "Registration with Himachal Pradesh's construction workers' welfare board gives masons, labourers and other construction workers access to accident and death insurance, a pension, education support for children and maternity benefits, funded through a cess collected on construction projects across the state.",
      "benefit_amount": "Accident/death insurance + pension + education + maternity benefit",
      "name_hi": "हिमाचल प्रदेश भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड",
      "summary_hi": "हिमाचल प्रदेश के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों को दुर्घटना एवं मृत्यु बीमा, पेंशन, बच्चों के लिए शिक्षा सहायता और मातृत्व लाभ तक पहुंच देता है, राज्य भर की निर्माण परियोजनाओं पर एकत्रित उपकर से वित्तपोषित।",
      "benefit_amount_hi": "दुर्घटना/मृत्यु बीमा + पेंशन + शिक्षा + मातृत्व लाभ",
      "last_verified": "2026-09-24",
      "ministry": "Himachal Pradesh Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Jammu & Kashmir",
      "slug": "jk-free-bus-service-women",
      "code": "SS-JK-TRN-001",
      "name": "Free Bus Service for Women",
      "category": "transport-infrastructure",
      "official_url": "https://jk.gov.in",
      "summary": "Free travel for women on all government-owned transport services across Jammu and Kashmir, including the e-buses running in Srinagar and Jammu under smart city initiatives. Announced in CM Omar Abdullah's first budget and launched from 1 April 2025, fulfilling one of his government's pre-poll promises — covering trips for education, shopping, work, or simply getting around, without needing a separate pass or registration.",
      "benefit_amount": "Free travel on government-owned buses and e-buses",
      "name_hi": "महिलाओं के लिए मुफ्त बस सेवा",
      "summary_hi": "स्मार्ट सिटी पहलों के तहत श्रीनगर और जम्मू में चल रही ई-बसों सहित जम्मू और कश्मीर की सभी सरकारी-स्वामित्व वाली परिवहन सेवाओं में महिलाओं के लिए मुफ्त यात्रा। CM उमर अब्दुल्ला के पहले बजट में घोषित और 1 अप्रैल 2025 से शुरू, उनकी सरकार के चुनाव-पूर्व वादों में से एक को पूरा करते हुए — शिक्षा, खरीदारी, काम, या बस घूमने-फिरने के लिए यात्राएं कवर करते हुए, बिना अलग पास या पंजीकरण की आवश्यकता के।",
      "benefit_amount_hi": "सरकारी बसों और ई-बसों में मुफ्त यात्रा",
      "last_verified": "2026-09-24",
      "ministry": "Transport Department, Government of Jammu and Kashmir",
      "launched": "1 April 2025"
    },
    {
      "level": "state",
      "state": "Jammu & Kashmir",
      "slug": "jk-marriage-assistance-scheme",
      "code": "SS-JK-WMC-002",
      "name": "Marriage Assistance Scheme (J&K)",
      "category": "women-child",
      "official_url": "https://jk.gov.in",
      "summary": "Financial assistance for the marriage of girls from eligible families in Jammu and Kashmir, enhanced from ₹50,000 to ₹75,000 in CM Omar Abdullah's first budget (2025-26) — a substantial jump meant to genuinely ease the cost burden a daughter's wedding places on lower-income families rather than offer only token support.",
      "benefit_amount": "₹75,000 (raised from ₹50,000)",
      "name_hi": "विवाह सहायता योजना (जम्मू-कश्मीर)",
      "summary_hi": "जम्मू और कश्मीर के पात्र परिवारों की बेटियों की शादी के लिए वित्तीय सहायता, CM उमर अब्दुल्ला के पहले बजट (2025-26) में ₹50,000 से बढ़ाकर ₹75,000 की गई — एक पर्याप्त बढ़ोतरी जिसका मकसद बेटी की शादी से कम आय वाले परिवारों पर पड़ने वाले लागत बोझ को केवल प्रतीकात्मक सहायता के बजाय वास्तव में कम करना है।",
      "benefit_amount_hi": "₹75,000 (₹50,000 से बढ़ाया गया)",
      "last_verified": "2026-09-24",
      "ministry": "Social Welfare Department, Government of Jammu and Kashmir"
    },
    {
      "level": "state",
      "state": "Jammu & Kashmir",
      "slug": "jk-crop-insurance-scheme",
      "code": "SS-JK-AGR-001",
      "name": "Jammu & Kashmir Crop Insurance Scheme",
      "category": "agriculture-rural-environment",
      "official_url": "https://jk.gov.in",
      "summary": "A ₹6,594.93 crore crop insurance allocation covering all varieties of apples and saffron in the Kashmir Division, and mango, litchi and saffron in the Jammu Division — announced in the 2026-27 budget after farmers and orchardists made it their central demand following repeated flood and road-blockade damage to crops. Apple and saffron cultivation are genuinely central to Kashmir's rural economy, making comprehensive insurance for these crops a significant financial safety net rather than a marginal add-on.",
      "benefit_amount": "Crop insurance (apples, saffron, mango, litchi — by division)",
      "name_hi": "जम्मू-कश्मीर फसल बीमा योजना",
      "summary_hi": "कश्मीर डिवीज़न में सभी प्रकार के सेब और केसर, और जम्मू डिवीज़न में आम, लीची और केसर को कवर करने वाला ₹6,594.93 करोड़ का फसल बीमा आवंटन — 2026-27 के बजट में घोषित, बार-बार बाढ़ और सड़क-अवरोध से फसलों को हुए नुकसान के बाद किसानों और बागवानों द्वारा इसे अपनी मुख्य मांग बनाने के बाद। सेब और केसर की खेती वास्तव में कश्मीर की ग्रामीण अर्थव्यवस्था के केंद्र में है, इन फसलों के लिए व्यापक बीमा को एक मामूली अतिरिक्त के बजाय एक महत्वपूर्ण वित्तीय सुरक्षा जाल बनाते हुए।",
      "benefit_amount_hi": "फसल बीमा (सेब, केसर, आम, लीची — डिवीज़न अनुसार)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture Production, Government of Jammu and Kashmir"
    },
    {
      "level": "state",
      "state": "Jammu & Kashmir",
      "slug": "jk-orphan-children-monthly-stipend",
      "code": "SS-JK-SWE-001",
      "name": "Orphan Children Monthly Stipend",
      "category": "social-welfare-empowerment",
      "official_url": "https://jk.gov.in",
      "summary": "A monthly stipend of ₹4,000 to ₹6,000 for children in Jammu and Kashmir who have lost both parents, credited directly into their own account to support education, healthcare and nutrition — announced in the 2026-27 budget alongside a full waiver of educational expenses for AAY-family students at the secondary level and fee waivers in government colleges for AAY students not already receiving a scholarship.",
      "benefit_amount": "₹4,000–₹6,000/month",
      "name_hi": "अनाथ बच्चों के लिए मासिक वजीफा",
      "summary_hi": "जम्मू और कश्मीर के उन बच्चों के लिए ₹4,000 से ₹6,000 मासिक वजीफा जिन्होंने दोनों माता-पिता खो दिए हैं, शिक्षा, स्वास्थ्य सेवा और पोषण का समर्थन करने के लिए सीधे उनके अपने खाते में जमा — 2026-27 के बजट में AAY-परिवार माध्यमिक स्तर के विद्यार्थियों के लिए शैक्षणिक खर्चों की पूरी माफी और पहले से छात्रवृत्ति न ले रहे AAY विद्यार्थियों के लिए सरकारी कॉलेजों में फीस माफी के साथ घोषित।",
      "benefit_amount_hi": "₹4,000–₹6,000/माह",
      "last_verified": "2026-09-24",
      "ministry": "Social Welfare Department, Government of Jammu and Kashmir"
    },
    {
      "level": "state",
      "state": "Goa",
      "slug": "goa-ujjwala-yojana-2026",
      "code": "SS-GA-UTL-001",
      "name": "Goa Ujjwala Yojana 2026",
      "category": "utility-sanitation",
      "official_url": "https://goa.gov.in",
      "summary": "Financial assistance equivalent to the cost of 3 domestic LPG cylinders every financial year for eligible Goan households, particularly women — launched by CM Pramod Sawant in September 2026, backed by a ₹100 crore state provision, and framed explicitly as a delivered campaign promise rather than a new proposal.",
      "benefit_amount": "Cost of 3 LPG cylinders/year",
      "name_hi": "गोवा उज्ज्वला योजना 2026",
      "summary_hi": "गोवा के पात्र परिवारों, विशेष रूप से महिलाओं के लिए, हर वित्तीय वर्ष 3 घरेलू LPG सिलेंडरों की लागत के बराबर वित्तीय सहायता — CM प्रमोद सावंत द्वारा सितंबर 2026 में शुरू, ₹100 करोड़ के राज्य प्रावधान द्वारा समर्थित, और स्पष्ट रूप से एक नए प्रस्ताव के बजाय पूरे हुए चुनावी वादे के रूप में प्रस्तुत।",
      "benefit_amount_hi": "3 LPG सिलेंडरों की लागत/वर्ष",
      "last_verified": "2026-09-24",
      "ministry": "Department of Food, Civil Supplies and Consumer Affairs, Government of Goa",
      "launched": "September 2026"
    },
    {
      "level": "state",
      "state": "Goa",
      "slug": "deen-dayal-swasthya-seva-yojana-goa",
      "code": "SS-GA-HLT-001",
      "name": "Deen Dayal Swasthya Seva Yojana (DDSSY)",
      "category": "health-wellness",
      "official_url": "https://ddssygoa.com",
      "summary": "Most Indian state health-insurance schemes target only the poorest households by design, but Goa took a genuinely different approach: DDSSY covers the state's entire resident population regardless of income, making Goa the first state to offer universal health insurance this way. Families of three or fewer get cashless coverage up to ₹4 lakh a year (recently raised from ₹2.5 lakh), and families of four or more get up to ₹6 lakh (raised from ₹4 lakh), across 447 medical procedures at empanelled government and private hospitals. Government employees are excluded since they already have a separate reimbursement mechanism, and OBC (non-creamy layer), SC, ST and differently-abled applicants get a 50% concession on the registration and renewal fee.",
      "benefit_amount": "₹4,00,000/year (≤3 members) or ₹6,00,000/year (4+ members)",
      "name_hi": "दीन दयाल स्वास्थ्य सेवा योजना (DDSSY)",
      "summary_hi": "अधिकांश भारतीय राज्य स्वास्थ्य-बीमा योजनाएं डिज़ाइन के अनुसार केवल सबसे गरीब परिवारों को लक्षित करती हैं, लेकिन गोवा ने वास्तव में एक अलग दृष्टिकोण अपनाया: DDSSY आय की परवाह किए बिना राज्य की पूरी निवासी आबादी को कवर करती है, गोवा को इस तरह सार्वभौमिक स्वास्थ्य बीमा देने वाला पहला राज्य बनाते हुए। तीन या उससे कम सदस्यों वाले परिवारों को साल में ₹4 लाख तक कैशलेस कवरेज मिलता है (हाल ही में ₹2.5 लाख से बढ़ाया गया), और चार या अधिक सदस्यों वाले परिवारों को ₹6 लाख तक (₹4 लाख से बढ़ाया गया), सूचीबद्ध सरकारी और निजी अस्पतालों में 447 चिकित्सा प्रक्रियाओं में। सरकारी कर्मचारी शामिल नहीं हैं क्योंकि उनके पास पहले से अलग प्रतिपूर्ति तंत्र है, और OBC (नॉन-क्रीमी लेयर), SC, ST और दिव्यांग आवेदकों को पंजीकरण एवं नवीनीकरण शुल्क पर 50% छूट मिलती है।",
      "benefit_amount_hi": "₹4,00,000/वर्ष (≤3 सदस्य) या ₹6,00,000/वर्ष (4+ सदस्य)",
      "last_verified": "2026-09-24",
      "ministry": "Directorate of Health Services, Government of Goa"
    },
    {
      "level": "state",
      "state": "Goa",
      "slug": "goa-marriage-assistance-scheme",
      "code": "SS-GA-WMC-002",
      "name": "Goa Marriage Assistance Scheme",
      "category": "women-child",
      "official_url": "https://cmwelfare.goa.gov.in",
      "summary": "Financial assistance toward a daughter's wedding for eligible families in Goa, run through the Chief Minister's Welfare Portal, which digitises the scheme end-to-end from application through payment. CM Pramod Sawant has cited roughly ₹350 crore disbursed under women-focused marriage-assistance initiatives as part of the state's broader women-centric welfare push.",
      "benefit_amount": "Marriage assistance grant (confirm current amount via CM Welfare Portal)",
      "name_hi": "गोवा विवाह सहायता योजना",
      "summary_hi": "गोवा के पात्र परिवारों के लिए बेटी की शादी की ओर वित्तीय सहायता, मुख्यमंत्री कल्याण पोर्टल के माध्यम से संचालित, जो आवेदन से भुगतान तक योजना को पूरी तरह डिजिटाइज़ करता है। CM प्रमोद सावंत ने राज्य के व्यापक महिला-केंद्रित कल्याण प्रयास के हिस्से के रूप में महिला-केंद्रित विवाह-सहायता पहलों के तहत लगभग ₹350 करोड़ वितरित होने का उल्लेख किया है।",
      "benefit_amount_hi": "विवाह सहायता अनुदान (CM कल्याण पोर्टल से वर्तमान राशि पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Directorate of Women and Child Development, Government of Goa (via CM Welfare Portal)"
    },
    {
      "level": "state",
      "state": "Goa",
      "slug": "goa-ai-mission-2027",
      "code": "SS-GA-SKL-001",
      "name": "Goa AI Mission 2027",
      "category": "skills-employment",
      "official_url": "https://goa.gov.in",
      "summary": "A policy initiative aimed at transforming Goa from a tourism-driven economy into a technology-oriented, AI-enabled innovation hub, launched in July 2025 under CM Pramod Sawant. The mission centres on a dedicated Goa AI Policy and an AI Advisory Council, seeking to build citizen-facing AI skills and applications across governance and other sectors rather than treating AI as a narrow IT-industry concern.",
      "benefit_amount": "AI skills training and citizen-facing AI initiatives (policy in development)",
      "name_hi": "गोवा AI मिशन 2027",
      "summary_hi": "गोवा को पर्यटन-संचालित अर्थव्यवस्था से एक तकनीक-उन्मुख, AI-सक्षम नवाचार केंद्र में बदलने के लक्ष्य वाली एक नीतिगत पहल, जुलाई 2025 में CM प्रमोद सावंत के तहत शुरू। मिशन एक समर्पित गोवा AI नीति और एक AI सलाहकार परिषद पर केंद्रित है, AI को एक संकीर्ण IT-उद्योग चिंता मानने के बजाय शासन और अन्य क्षेत्रों में नागरिक-केंद्रित AI कौशल और अनुप्रयोग बनाने की कोशिश करते हुए।",
      "benefit_amount_hi": "AI कौशल प्रशिक्षण एवं नागरिक-केंद्रित AI पहलें (नीति विकासाधीन)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Information Technology, Government of Goa",
      "launched": "July 2025"
    },
    {
      "level": "state",
      "state": "Tripura",
      "slug": "cmjay-tripura",
      "code": "SS-TR-HLT-001",
      "name": "Chief Minister Jan Arogya Yojana (CMJAY)",
      "category": "health-wellness",
      "official_url": "https://tripura.gov.in",
      "summary": "Cashless health cover of ₹5 lakh a year per family for Tripura residents not already covered under Ayushman Bharat PM-JAY or any other government insurance scheme, launched in February 2024 to close that gap for good. Tripura became the first among India's smaller states and the 12th state overall to roll out this kind of universal top-up health insurance, modelled directly on AB-PMJAY and backed by around ₹104 crore in state funding for the launch year, covering treatment from primary health centres up to empanelled private hospitals in Tripura and beyond.",
      "benefit_amount": "₹5,00,000/family/year cashless cover",
      "name_hi": "মুখ্যমন্ত্রী জন আরোগ্য যোজনা (मुख्यमंत्री जन आरोग्य योजना, CMJAY)",
      "summary_hi": "त्रिपुरा के उन निवासियों के लिए साल में ₹5 लाख का कैशलेस स्वास्थ्य कवर जो पहले से आयुष्मान भारत PM-JAY या किसी अन्य सरकारी बीमा योजना के तहत कवर नहीं हैं, फरवरी 2024 में उस कमी को हमेशा के लिए पाटने के लिए शुरू। त्रिपुरा भारत के छोटे राज्यों में पहला और कुल मिलाकर 12वां राज्य बना जिसने इस तरह की सार्वभौमिक टॉप-अप स्वास्थ्य बीमा शुरू की, सीधे AB-PMJAY पर आधारित और शुरुआती वर्ष के लिए लगभग ₹104 करोड़ के राज्य वित्तपोषण द्वारा समर्थित, त्रिपुरा और उससे बाहर प्राथमिक स्वास्थ्य केंद्रों से लेकर सूचीबद्ध निजी अस्पतालों तक इलाज कवर करते हुए।",
      "benefit_amount_hi": "₹5,00,000/परिवार/वर्ष कैशलेस कवर",
      "last_verified": "2026-09-24",
      "ministry": "Department of Health and Family Welfare, Government of Tripura",
      "launched": "February 2024"
    },
    {
      "level": "state",
      "state": "Tripura",
      "slug": "mukhyamantri-balika-samriddhi-yojana-tripura",
      "code": "SS-TR-WMC-001",
      "name": "Mukhyamantri Balika Samriddhi Yojana",
      "category": "women-child",
      "official_url": "https://tripura.gov.in",
      "summary": "Financial assistance for families in Tripura on the birth of a girl child, announced by Union Health Minister JP Nadda as part of celebrations marking the state government's second anniversary — a deliberate act of celebration for a daughter's birth, aimed at pushing back against any preference for sons that families in the state might otherwise feel.",
      "benefit_amount": "Financial assistance on birth of a girl child (confirm current amount)",
      "name_hi": "মুখ্যমন্ত্রী বালিকা সমৃদ্ধি যোজনা (मुख्यमंत्री बालिका समृद्धि योजना)",
      "summary_hi": "बेटी के जन्म पर त्रिपुरा के परिवारों के लिए वित्तीय सहायता, राज्य सरकार की दूसरी वर्षगांठ के उत्सव के हिस्से के रूप में केंद्रीय स्वास्थ्य मंत्री जेपी नड्डा द्वारा घोषित — बेटी के जन्म के उत्सव का एक जानबूझकर कार्य, राज्य में परिवारों को अन्यथा महसूस हो सकने वाली बेटे की प्राथमिकता के खिलाफ धकेलने के लक्ष्य के साथ।",
      "benefit_amount_hi": "बेटी के जन्म पर वित्तीय सहायता (वर्तमान राशि पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare and Social Education, Government of Tripura"
    },
    {
      "level": "state",
      "state": "Tripura",
      "slug": "mukhyamantri-sankhyalaghu-unnayan-prokolpa",
      "code": "SS-TR-BIZ-001",
      "name": "Mukhyamantri Sankhyalaghu Unnayan Prokolpa",
      "category": "business-entrepreneurship",
      "official_url": "https://tripura.gov.in",
      "summary": "Loan assistance for minority communities in Tripura to establish or expand self-employment and income-generating activities, launched by CM Manik Saha in July 2026 alongside MoUs with the National Stock Exchange aimed at strengthening financial literacy and entrepreneurship — part of a stated push for balanced, inclusive growth reaching every community.",
      "benefit_amount": "Loan assistance for self-employment ventures",
      "name_hi": "মুখ্যমন্ত্রী সংখ্যালঘু উন্নয়ন প্রকল্প (मुख्यमंत्री संख्यालघु उन्नयन प्रकल्प)",
      "summary_hi": "त्रिपुरा के अल्पसंख्यक समुदायों के लिए स्वरोज़गार और आय-सृजन गतिविधियां स्थापित करने या विस्तार करने हेतु ऋण सहायता, CM माणिक साहा द्वारा जुलाई 2026 में वित्तीय साक्षरता एवं उद्यमिता मज़बूत करने के लक्ष्य वाले नेशनल स्टॉक एक्सचेंज के साथ समझौतों के साथ शुरू — हर समुदाय तक पहुंचने वाले संतुलित, समावेशी विकास के लिए बताए गए प्रयास का हिस्सा।",
      "benefit_amount_hi": "स्वरोज़गार उद्यमों के लिए ऋण सहायता",
      "last_verified": "2026-09-24",
      "ministry": "Minority Welfare Department, Government of Tripura",
      "launched": "July 2026"
    },
    {
      "level": "state",
      "state": "Tripura",
      "slug": "tripura-social-pension-intellectual-disabilities",
      "code": "SS-TR-SWE-001",
      "name": "Chief Minister Social Pension Scheme for Persons with Intellectual Disabilities",
      "category": "social-welfare-empowerment",
      "official_url": "https://tripura.gov.in",
      "summary": "A monthly pension for Tripura residents with over 60% intellectual disability, raised substantially by a 2025 state cabinet decision from ₹2,000 to ₹5,000 a month — a two-and-a-half-times increase for a group whose families often carry disproportionate caregiving costs alongside lost income, covering daily living expenses, healthcare and other necessities.",
      "benefit_amount": "₹5,000/month (raised from ₹2,000)",
      "name_hi": "মুখ্যমন্ত্রী সামাজিক পেনশন প্রকল্প (मुख्यमंत्री सामाजिक पेंशन योजना, बौद्धिक दिव्यांगता)",
      "summary_hi": "60% से अधिक बौद्धिक दिव्यांगता वाले त्रिपुरा निवासियों के लिए मासिक पेंशन, 2025 के राज्य कैबिनेट निर्णय द्वारा ₹2,000 से बढ़ाकर ₹5,000 प्रति माह की गई — एक ऐसे समूह के लिए ढाई गुना बढ़ोतरी जिनके परिवार अक्सर खोई हुई आय के साथ-साथ असमान रूप से देखभाल लागत वहन करते हैं, दैनिक जीवन-यापन खर्च, स्वास्थ्य सेवा और अन्य आवश्यकताओं को कवर करते हुए।",
      "benefit_amount_hi": "₹5,000/माह (₹2,000 से बढ़ाया गया)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare and Social Education, Government of Tripura"
    },
    {
      "level": "state",
      "state": "Meghalaya",
      "slug": "focus-plus-scheme-meghalaya",
      "code": "SS-ML-SWE-001",
      "name": "FOCUS+ Scheme",
      "category": "social-welfare-empowerment",
      "official_url": "https://meghalaya.gov.in",
      "summary": "₹5,000 in direct financial assistance to every household across Meghalaya, launched by CM Conrad Sangma on 28 July 2022 as an expansion of his earlier FOCUS initiative — a genuinely universal cash benefit rather than one targeted narrowly at a specific income bracket or occupation, reaching families regardless of what other schemes they might already be covered under.",
      "benefit_amount": "₹5,000/household",
      "name_hi": "फोकस+ योजना",
      "summary_hi": "मेघालय भर के हर परिवार को ₹5,000 की प्रत्यक्ष वित्तीय सहायता, CM कॉनराड संगमा द्वारा 28 जुलाई 2022 को अपनी पहले की फोकस पहल के विस्तार के रूप में शुरू — किसी विशिष्ट आय वर्ग या व्यवसाय पर संकीर्ण रूप से लक्षित होने के बजाय एक वास्तव में सार्वभौमिक नकद लाभ, परिवारों तक पहुंचते हुए चाहे वे पहले से किसी अन्य योजना के तहत कवर हों या नहीं।",
      "benefit_amount_hi": "₹5,000/परिवार",
      "last_verified": "2026-09-24",
      "ministry": "Finance Department, Government of Meghalaya",
      "launched": "28 July 2022"
    },
    {
      "level": "state",
      "state": "Meghalaya",
      "slug": "cm-elevate-meghalaya",
      "code": "SS-ML-BIZ-001",
      "name": "CM ELEVATE",
      "category": "business-entrepreneurship",
      "official_url": "https://meghalaya.gov.in",
      "summary": "Financial assistance and infrastructure support for entrepreneurs and farmer cooperatives across Meghalaya — in one funding round alone, ₹76 lakh went to 180 entrepreneurs to promote self-employment and enterprise development, alongside 128 community halls, 34 warehouses and four common facility centres inaugurated with over ₹48 crore in combined investment, reflecting a scheme that pairs direct business funding with the physical infrastructure small enterprises actually need to operate.",
      "benefit_amount": "Financial assistance for entrepreneurs + community infrastructure",
      "name_hi": "सीएम एलिवेट",
      "summary_hi": "मेघालय भर के उद्यमियों और किसान सहकारी समितियों के लिए वित्तीय सहायता और बुनियादी ढांचा सहायता — अकेले एक वित्तपोषण दौर में, स्वरोज़गार और उद्यम विकास को बढ़ावा देने के लिए 180 उद्यमियों को ₹76 लाख मिले, साथ ही ₹48 करोड़ से अधिक के संयुक्त निवेश के साथ 128 सामुदायिक भवन, 34 गोदाम और चार सामान्य सुविधा केंद्र उद्घाटित किए गए, प्रत्यक्ष व्यावसायिक वित्तपोषण को उस भौतिक बुनियादी ढांचे के साथ जोड़ते हुए जिसकी छोटे उद्यमों को वास्तव में संचालन के लिए ज़रूरत होती है।",
      "benefit_amount_hi": "उद्यमियों के लिए वित्तीय सहायता + सामुदायिक बुनियादी ढांचा",
      "last_verified": "2026-09-24",
      "ministry": "Department of Commerce and Industries, Government of Meghalaya"
    },
    {
      "level": "state",
      "state": "Meghalaya",
      "slug": "cm-light-scheme-meghalaya",
      "code": "SS-ML-SKL-001",
      "name": "CM LIGHT Scheme",
      "category": "skills-employment",
      "official_url": "https://meghalaya.gov.in",
      "summary": "₹5,000 in direct financial assistance for registered construction workers in Meghalaya, announced by CM Conrad Sangma on International Workers' Day (1 May 2026) as part of a broader package recognising construction workers' contribution to the state's development — alongside a companion Startup Toolkit Support Scheme helping skilled workers move into self-employment, and the ENABLE initiative offering reserved seats and full fee waivers for workers' children in educational institutions.",
      "benefit_amount": "₹5,000 direct financial assistance",
      "name_hi": "सीएम लाइट योजना",
      "summary_hi": "मेघालय के पंजीकृत निर्माण श्रमिकों के लिए ₹5,000 की प्रत्यक्ष वित्तीय सहायता, CM कॉनराड संगमा द्वारा अंतरराष्ट्रीय श्रमिक दिवस (1 मई 2026) पर राज्य के विकास में निर्माण श्रमिकों के योगदान को मान्यता देने वाले व्यापक पैकेज के हिस्से के रूप में घोषित — साथ ही कुशल श्रमिकों को स्वरोज़गार की ओर बढ़ने में मदद करने वाली साथी स्टार्टअप टूलकिट सहायता योजना, और श्रमिकों के बच्चों के लिए शैक्षणिक संस्थानों में आरक्षित सीटें एवं पूरी फीस माफी प्रदान करने वाली एनेबल पहल।",
      "benefit_amount_hi": "₹5,000 प्रत्यक्ष वित्तीय सहायता",
      "last_verified": "2026-09-24",
      "ministry": "Labour, Employment and Skill Development Department, Government of Meghalaya"
    },
    {
      "level": "state",
      "state": "Meghalaya",
      "slug": "green-meghalaya-plus",
      "code": "SS-ML-AGR-001",
      "name": "GREEN Meghalaya+",
      "category": "agriculture-rural-environment",
      "official_url": "https://meghalaya.gov.in",
      "summary": "A financial incentive scheme rewarding communities in Meghalaya for ecosystem conservation — protecting forests, water sources and biodiversity — rather than treating conservation purely as a regulatory restriction with no upside for the people living closest to the land. In one disbursal round, over 2,700 beneficiaries received ₹25.54 crore, bringing the programme's cumulative allocation to ₹180 crore since launch.",
      "benefit_amount": "Financial incentive for ecosystem conservation (community-based)",
      "name_hi": "ग्रीन मेघालय+",
      "summary_hi": "मेघालय के समुदायों को पारिस्थितिकी तंत्र संरक्षण — जंगलों, जल स्रोतों और जैव विविधता की सुरक्षा — के लिए पुरस्कृत करने वाली वित्तीय प्रोत्साहन योजना, संरक्षण को भूमि के सबसे करीब रहने वाले लोगों के लिए बिना किसी लाभ के केवल एक नियामक प्रतिबंध मानने के बजाय। एक वितरण दौर में, 2,700 से अधिक लाभार्थियों को ₹25.54 करोड़ मिले, शुरुआत के बाद से कार्यक्रम का संचयी आवंटन ₹180 करोड़ तक पहुंचाते हुए।",
      "benefit_amount_hi": "पारिस्थितिकी तंत्र संरक्षण के लिए वित्तीय प्रोत्साहन (समुदाय-आधारित)",
      "last_verified": "2026-09-24",
      "ministry": "Meghalaya Basin Development Authority"
    },
    {
      "level": "state",
      "state": "Manipur",
      "slug": "cm-health-for-all-scheme-manipur",
      "code": "SS-MN-HLT-002",
      "name": "Chief Minister's Health for All Scheme",
      "category": "health-wellness",
      "official_url": "https://health.manipur.gov.in",
      "summary": "Door-to-door health screening across Manipur's villages, using a hand-held device called ASHA+ to check for hypertension, diabetes, common cancers and other non-communicable diseases — the first programme of its kind in the Northeast when launched in October 2021. Field teams have screened over 1.41 lakh people so far, referring anyone with a serious finding onward to CMHT or Ayushman Bharat PM-JAY for further treatment. The scheme has continued through Manipur's period of President's Rule and the subsequent change of government, with the state health department confirming ₹5 crore allocated for it again in the 2026-27 budget.",
      "benefit_amount": "Free door-to-door NCD screening + referral for treatment",
      "name_hi": "মুখ্যমন্ত্রী স্বাস্থ্য সেবার জন্য সবার (मुख्यमंत्री स्वास्थ्य सबके लिए योजना)",
      "summary_hi": "मणिपुर के गांवों में घर-घर स्वास्थ्य जांच, ASHA+ नामक हैंड-हेल्ड उपकरण का उपयोग करके उच्च रक्तचाप, मधुमेह, सामान्य कैंसर और अन्य गैर-संचारी रोगों की जांच के लिए — अक्टूबर 2021 में शुरू होने पर पूर्वोत्तर में अपनी तरह का पहला कार्यक्रम। फील्ड टीमों ने अब तक 1.41 लाख से अधिक लोगों की जांच की है, किसी गंभीर स्थिति पाए जाने पर आगे के इलाज के लिए CMHT या आयुष्मान भारत PM-JAY के पास रेफर करते हुए। यह योजना मणिपुर के राष्ट्रपति शासन की अवधि और उसके बाद सरकार बदलने के दौरान भी जारी रही, राज्य स्वास्थ्य विभाग ने 2026-27 के बजट में इसके लिए फिर से ₹5 करोड़ की पुष्टि की।",
      "benefit_amount_hi": "मुफ्त घर-घर NCD जांच + इलाज के लिए रेफरल",
      "last_verified": "2026-09-24",
      "ministry": "Department of Health and Family Welfare, Government of Manipur",
      "launched": "October 2021, continued through 2025-26 transition"
    },
    {
      "level": "state",
      "state": "Manipur",
      "slug": "cmst-manipur-disability-welfare",
      "code": "SS-MN-SWE-001",
      "name": "Chief Minister-gi Shotharabasingi Tengbang (CMST)",
      "category": "social-welfare-empowerment",
      "official_url": "https://churachandpur.nic.in",
      "summary": "A bundle of support specifically for persons with disabilities in Manipur, run by the Social Welfare Department — a caregiver allowance and maintenance grant for those with high support needs, dedicated scholarships for students with disabilities, and self-employment loans with subsidy paired with skill training for disabled persons wanting to start their own work.",
      "benefit_amount": "Caregiver allowance + scholarships + self-employment loans (by sub-scheme)",
      "name_hi": "মুখ্যমন্ত্রী শটরবাসিংগী তেংবাং (मुख्यमंत्री शोथरबासिंगी तेंगबांग, CMST)",
      "summary_hi": "मणिपुर के दिव्यांग व्यक्तियों के लिए विशेष रूप से सहायता का एक समूह, सामाजिक कल्याण विभाग द्वारा संचालित — उच्च सहायता ज़रूरतों वाले लोगों के लिए देखभालकर्ता भत्ता और भरण-पोषण अनुदान, दिव्यांग विद्यार्थियों के लिए समर्पित छात्रवृत्तियां, और अपना काम शुरू करना चाहने वाले दिव्यांग व्यक्तियों के लिए कौशल प्रशिक्षण के साथ सब्सिडी वाले स्वरोज़गार ऋण।",
      "benefit_amount_hi": "देखभालकर्ता भत्ता + छात्रवृत्ति + स्वरोज़गार ऋण (उप-योजना अनुसार)",
      "last_verified": "2026-09-24",
      "ministry": "Social Welfare Department, Government of Manipur"
    },
    {
      "level": "state",
      "state": "Manipur",
      "slug": "startup-manipur-scheme",
      "code": "SS-MN-BIZ-001",
      "name": "Startup Manipur Scheme",
      "category": "business-entrepreneurship",
      "official_url": "https://startupmanipur.in",
      "summary": "Funding and infrastructure support to build a genuine startup ecosystem in Manipur, aimed at women-led, student-led, idea-stage and revenue-stage ventures alike — covering incentives for idea development, prototyping and commercialisation, alongside a planned Network of Entrepreneurship Development Centres in universities, business incubators, and preferential land leases for government-recognised incubators.",
      "benefit_amount": "Funding for idea/prototype/commercialisation stages + incubator access",
      "name_hi": "স্টার্টআপ মণিপুর আঁচনি (स्टार्टअप मणिपुर योजना)",
      "summary_hi": "मणिपुर में एक वास्तविक स्टार्टअप पारिस्थितिकी तंत्र बनाने के लिए वित्तपोषण और बुनियादी ढांचा सहायता, महिला-नेतृत्व, विद्यार्थी-नेतृत्व, विचार-चरण और राजस्व-चरण के उद्यमों को समान रूप से लक्षित — विचार विकास, प्रोटोटाइप और व्यावसायीकरण के लिए प्रोत्साहन शामिल, साथ ही विश्वविद्यालयों में योजनाबद्ध उद्यमिता विकास केंद्रों का नेटवर्क, व्यावसायिक इनक्यूबेटर, और सरकार-मान्यता प्राप्त इनक्यूबेटरों के लिए तरजीही भूमि पट्टा।",
      "benefit_amount_hi": "विचार/प्रोटोटाइप/व्यावसायीकरण चरणों के लिए वित्तपोषण + इनक्यूबेटर पहुंच",
      "last_verified": "2026-09-24",
      "ministry": "Department of Commerce and Industries, Government of Manipur"
    },
    {
      "level": "state",
      "state": "Manipur",
      "slug": "manipur-scholarship-portal",
      "code": "SS-MN-EDU-001",
      "name": "Manipur Scholarship Portal",
      "category": "education-learning",
      "official_url": "https://scholarship.gov.in",
      "summary": "A single online entry point through which Manipur students apply for the various state- and centrally-sponsored scholarships they're eligible for — including PM YASASVI Pre-Matric and Post-Matric scholarships for OBC students and the Centrally Sponsored Pre-Matric and Post-Matric Scholarships for SC students — with benefit amounts varying by scheme, academic level and financial need, credited via DBT once approved.",
      "benefit_amount": "Tuition/maintenance support, by scholarship scheme",
      "name_hi": "মণিপুর ছাত্রবৃত্তি পোর্টাল (मणिपुर छात्रवृत्ति पोर्टल)",
      "summary_hi": "एक एकल ऑनलाइन प्रवेश बिंदु जिसके माध्यम से मणिपुर के विद्यार्थी उन विभिन्न राज्य- और केंद्र-प्रायोजित छात्रवृत्तियों के लिए आवेदन करते हैं जिनके लिए वे पात्र हैं — OBC विद्यार्थियों के लिए PM यशस्वी प्री-मैट्रिक और पोस्ट-मैट्रिक छात्रवृत्ति और SC विद्यार्थियों के लिए केंद्र-प्रायोजित प्री-मैट्रिक एवं पोस्ट-मैट्रिक छात्रवृत्ति सहित — लाभ राशि योजना, शैक्षणिक स्तर और वित्तीय ज़रूरत के अनुसार भिन्न, स्वीकृति के बाद DBT के ज़रिए जमा।",
      "benefit_amount_hi": "ट्यूशन/भरण-पोषण सहायता, छात्रवृत्ति योजना अनुसार",
      "last_verified": "2026-09-24",
      "ministry": "Education Department, Government of Manipur"
    },
    {
      "level": "state",
      "state": "Nagaland",
      "slug": "cmmfi-nagaland",
      "code": "SS-NL-BIZ-001",
      "name": "Chief Minister's Micro Finance Initiative (CMMFI)",
      "category": "business-entrepreneurship",
      "official_url": "https://cmmfi.nagaland.gov.in",
      "summary": "A bank credit-linked subsidy scheme built to make starting a farm-based or small enterprise venture in Nagaland genuinely affordable — the beneficiary contributes just 10% of the project cost, banks finance 60%, and the state government covers the remaining 30% as a back-ended subsidy. On top of that, CMMFI adds interest subvention above what central schemes already provide, and offers collateral-free credit up to ₹10 lakh for entrepreneurs setting up micro and small enterprises, with a 6-month moratorium before repayment begins. It covers individual farmers, Self-Help Groups, Farmer Producer Organisations and entrepreneurs alike.",
      "benefit_amount": "30% subsidy + collateral-free credit up to ₹10 lakh (10% beneficiary + 60% bank finance)",
      "name_hi": "मुख्यमंत्री माइक्रो फाइनेंस पहल (CMMFI)",
      "summary_hi": "नागालैंड में कृषि-आधारित या छोटा उद्यम शुरू करने को वास्तव में किफायती बनाने के लिए बनाई गई एक बैंक ऋण-लिंक्ड सब्सिडी योजना — लाभार्थी परियोजना लागत का केवल 10% योगदान करता है, बैंक 60% वित्तपोषित करते हैं, और राज्य सरकार शेष 30% बैक-एंडेड सब्सिडी के रूप में कवर करती है। इसके ऊपर, CMMFI केंद्रीय योजनाओं द्वारा पहले से दिए जाने वाले से अधिक ब्याज छूट जोड़ती है, और माइक्रो एवं लघु उद्यम स्थापित करने वाले उद्यमियों के लिए ₹10 लाख तक बिना संपार्श्विक ऋण प्रदान करती है, चुकौती शुरू होने से पहले 6 महीने की मोहलत के साथ। यह व्यक्तिगत किसानों, स्वयं सहायता समूहों, किसान उत्पादक संगठनों और उद्यमियों को समान रूप से कवर करती है।",
      "benefit_amount_hi": "30% सब्सिडी + ₹10 लाख तक बिना संपार्श्विक ऋण (10% लाभार्थी + 60% बैंक वित्त)",
      "last_verified": "2026-09-24",
      "ministry": "Finance Department, Government of Nagaland"
    },
    {
      "level": "state",
      "state": "Nagaland",
      "slug": "nagaland-strategic-water-resilience-initiative",
      "code": "SS-NL-UTL-001",
      "name": "Nagaland Strategic Water Resilience Initiative",
      "category": "utility-sanitation",
      "official_url": "https://phed.nagaland.gov.in",
      "summary": "A ₹24 crore initiative announced in the 2026-27 budget to build piped water supply, rainwater harvesting, groundwater recharge and strategic storage at district headquarters across Nagaland's entirely hilly, forested terrain — a state where scattered rural settlements and difficult topography make reliable water access a genuinely harder infrastructure problem than in most of the country, running alongside the ongoing Jal Jeevan Mission rollout.",
      "benefit_amount": "Piped water supply + rainwater harvesting + groundwater recharge infrastructure",
      "name_hi": "नागालैंड रणनीतिक जल लचीलापन पहल",
      "summary_hi": "नागालैंड के पूरी तरह पहाड़ी, वनाच्छादित भूभाग में ज़िला मुख्यालयों पर पाइप जलापूर्ति, वर्षा जल संचयन, भूजल पुनर्भरण और रणनीतिक भंडारण बनाने के लिए 2026-27 के बजट में घोषित ₹24 करोड़ की पहल — एक ऐसा राज्य जहां बिखरी हुई ग्रामीण बस्तियां और कठिन स्थलाकृति विश्वसनीय जल पहुंच को देश के अधिकांश हिस्सों की तुलना में वास्तव में कठिन बुनियादी ढांचा समस्या बनाती हैं, चालू जल जीवन मिशन रोलआउट के साथ-साथ चलते हुए।",
      "benefit_amount_hi": "पाइप जलापूर्ति + वर्षा जल संचयन + भूजल पुनर्भरण बुनियादी ढांचा",
      "last_verified": "2026-09-24",
      "ministry": "Public Health Engineering Department, Government of Nagaland"
    },
    {
      "level": "state",
      "state": "Nagaland",
      "slug": "nagaland-childrens-libraries-digital-infrastructure",
      "code": "SS-NL-EDU-002",
      "name": "Children and Adolescents' Libraries and Digital Infrastructure Scheme",
      "category": "education-learning",
      "official_url": "https://artandculture.nagaland.gov.in",
      "summary": "Libraries built specifically for children and adolescents across Nagaland, combining physical reading spaces with digital infrastructure — funded under the central Special Assistance to States for Capital Investment (SASCI) scheme and implemented by the Art and Culture Department, officially launched by CM Neiphiu Rio on Statehood Day, 1 December 2025.",
      "benefit_amount": "Free access to children's/adolescent libraries + digital infrastructure",
      "name_hi": "बाल एवं किशोर पुस्तकालय एवं डिजिटल बुनियादी ढांचा योजना",
      "summary_hi": "नागालैंड भर के बच्चों और किशोरों के लिए विशेष रूप से बनाए गए पुस्तकालय, भौतिक पठन स्थानों को डिजिटल बुनियादी ढांचे के साथ जोड़ते हुए — केंद्रीय पूंजी निवेश हेतु राज्यों को विशेष सहायता (SASCI) योजना के तहत वित्तपोषित और कला एवं संस्कृति विभाग द्वारा क्रियान्वित, CM नेफ्यू रियो द्वारा राज्य स्थापना दिवस, 1 दिसंबर 2025 को आधिकारिक रूप से शुरू।",
      "benefit_amount_hi": "बाल/किशोर पुस्तकालयों + डिजिटल बुनियादी ढांचे तक मुफ्त पहुंच",
      "last_verified": "2026-09-24",
      "ministry": "Art and Culture Department, Government of Nagaland",
      "launched": "1 December 2025 (Statehood Day)"
    },
    {
      "level": "state",
      "state": "Nagaland",
      "slug": "nagaland-bocw-welfare-board",
      "code": "SS-NL-SKL-001",
      "name": "Nagaland Building & Other Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://labour.nagaland.gov.in",
      "summary": "Registration with Nagaland's construction workers' welfare board gives masons, labourers and other construction workers access to accident and death insurance, a pension, education support for children and maternity benefits, funded through a cess collected on construction projects across the state.",
      "benefit_amount": "Accident/death insurance + pension + education + maternity benefit",
      "name_hi": "नागालैंड भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड",
      "summary_hi": "नागालैंड के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों को दुर्घटना एवं मृत्यु बीमा, पेंशन, बच्चों के लिए शिक्षा सहायता और मातृत्व लाभ तक पहुंच देता है, राज्य भर की निर्माण परियोजनाओं पर एकत्रित उपकर से वित्तपोषित।",
      "benefit_amount_hi": "दुर्घटना/मृत्यु बीमा + पेंशन + शिक्षा + मातृत्व लाभ",
      "last_verified": "2026-09-24",
      "ministry": "Nagaland Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Mizoram",
      "slug": "bana-kaih-scheme-mizoram",
      "code": "SS-MZ-BIZ-001",
      "name": "Bana Kaih (Handholding) Scheme",
      "category": "business-entrepreneurship",
      "official_url": "https://mizoram.gov.in",
      "summary": "Mizoram's flagship economic scheme, providing loans and assured-price crop procurement to support farmers' livelihoods, entrepreneurship and self-employment — described by CM Lalduhoma as his ZPM government's most important initiative for transforming the state's economy. Running since September 2024, the 2026-27 budget allocated ₹350 crore to the scheme, with ₹150 crore specifically earmarked for procuring designated key crops at assured prices, alongside a companion ₹20 crore Venture Capital Fund for young entrepreneurs.",
      "benefit_amount": "Loans + assured-price crop procurement for farmers/entrepreneurs",
      "name_hi": "বানা কাইহ (हाथ पकड़ना) योजना",
      "summary_hi": "मिज़ोरम की प्रमुख आर्थिक योजना, किसानों की आजीविका, उद्यमिता और स्वरोज़गार का समर्थन करने के लिए ऋण और आश्वासित-मूल्य फसल खरीद प्रदान करती है — CM लालडुहोमा द्वारा उनकी ZPM सरकार की राज्य की अर्थव्यवस्था को बदलने की सबसे महत्वपूर्ण पहल के रूप में वर्णित। सितंबर 2024 से चल रही, 2026-27 के बजट ने योजना के लिए ₹350 करोड़ आवंटित किए, ₹150 करोड़ विशेष रूप से आश्वासित मूल्यों पर निर्दिष्ट प्रमुख फसलों की खरीद के लिए निर्धारित, साथ ही युवा उद्यमियों के लिए एक साथी ₹20 करोड़ उद्यम पूंजी कोष के साथ।",
      "benefit_amount_hi": "किसानों/उद्यमियों के लिए ऋण + आश्वासित-मूल्य फसल खरीद",
      "last_verified": "2026-09-24",
      "ministry": "Department of Finance, Government of Mizoram"
    },
    {
      "level": "state",
      "state": "Mizoram",
      "slug": "mizoram-state-disability-pension",
      "code": "SS-MZ-SWE-001",
      "name": "Mizoram State Disability Pension",
      "category": "social-welfare-empowerment",
      "official_url": "https://socialwelfare.mizoram.gov.in",
      "summary": "Monthly financial assistance of ₹1,000 to ₹1,500 for permanent residents of Mizoram with 40% or more disability — Inner Line Permit (ILP) holders — meant to support day-to-day living costs for a group that often faces both reduced earning capacity and higher healthcare expenses.",
      "benefit_amount": "₹1,000–₹1,500/month",
      "name_hi": "মিজোরম রাজ্য বিকলাঙ্গ পেনশন (मिज़ोरम राज्य दिव्यांगता पेंशन)",
      "summary_hi": "मिज़ोरम के 40% या उससे अधिक दिव्यांगता वाले स्थायी निवासियों — इनर लाइन परमिट (ILP) धारकों — के लिए ₹1,000 से ₹1,500 मासिक वित्तीय सहायता, एक ऐसे समूह के लिए दैनिक जीवन-यापन लागत का समर्थन करने के लिए जिसे अक्सर कम कमाई क्षमता और अधिक स्वास्थ्य सेवा खर्च दोनों का सामना करना पड़ता है।",
      "benefit_amount_hi": "₹1,000–₹1,500/माह",
      "last_verified": "2026-09-24",
      "ministry": "Social Welfare Department, Government of Mizoram"
    },
    {
      "level": "state",
      "state": "Mizoram",
      "slug": "mizoram-state-special-ration-package",
      "code": "SS-MZ-SWE-002",
      "name": "Mizoram State Special Ration Package",
      "category": "social-welfare-empowerment",
      "official_url": "https://mizoram.gov.in",
      "summary": "A state-funded ration package supplementing central food-security coverage for around 29,000 families in Mizoram, part of the government's broader food-security push that also includes stocking over 1.67 lakh quintals of rice as a monsoon reserve for 2026-27 — a state that, given its terrain and connectivity challenges, treats stockpiling and direct household ration support as complementary rather than either alone being sufficient.",
      "benefit_amount": "State-funded ration supplement",
      "name_hi": "মিজোরম রাজ্য বিশেষ রেশন পেকেজ (मिज़ोरम राज्य विशेष राशन पैकेज)",
      "summary_hi": "मिज़ोरम के लगभग 29,000 परिवारों के लिए केंद्रीय खाद्य-सुरक्षा कवरेज को पूरक करने वाला राज्य-वित्तपोषित राशन पैकेज, सरकार के व्यापक खाद्य-सुरक्षा प्रयास का हिस्सा जिसमें 2026-27 के लिए मानसून रिज़र्व के रूप में 1.67 लाख क्विंटल से अधिक चावल का भंडारण भी शामिल है — एक ऐसा राज्य जो, अपने भूभाग और संपर्क चुनौतियों को देखते हुए, भंडारण और प्रत्यक्ष घरेलू राशन सहायता को अकेले पर्याप्त होने के बजाय पूरक मानता है।",
      "benefit_amount_hi": "राज्य-वित्तपोषित राशन पूरक",
      "last_verified": "2026-09-24",
      "ministry": "Department of Food, Civil Supplies and Consumer Affairs, Government of Mizoram"
    },
    {
      "level": "state",
      "state": "Mizoram",
      "slug": "mizoram-rural-computer-libraries",
      "code": "SS-MZ-EDU-002",
      "name": "Rural Computer-Equipped Libraries Scheme",
      "category": "education-learning",
      "official_url": "https://mizoram.gov.in",
      "summary": "273 new computer-equipped libraries established in rural areas across Mizoram, part of the ZPM government's push to expand digital access and reading infrastructure beyond Aizawl and the state's other urban centres — bringing both physical books and internet-connected computers to villages that would otherwise have neither.",
      "benefit_amount": "Free access to rural library + computer/internet facilities",
      "name_hi": "ग्रामीण कंप्यूटर-सुसज्जित पुस्तकालय योजना",
      "summary_hi": "मिज़ोरम भर के ग्रामीण क्षेत्रों में स्थापित 273 नए कंप्यूटर-सुसज्जित पुस्तकालय, ZPM सरकार के आइज़ोल और राज्य के अन्य शहरी केंद्रों से परे डिजिटल पहुंच और पठन बुनियादी ढांचे का विस्तार करने के प्रयास का हिस्सा — उन गांवों तक भौतिक किताबें और इंटरनेट-जुड़े कंप्यूटर दोनों पहुंचाते हुए जिनके पास अन्यथा दोनों में से कोई नहीं होता।",
      "benefit_amount_hi": "मुफ्त ग्रामीण पुस्तकालय + कंप्यूटर/इंटरनेट सुविधाओं तक पहुंच",
      "last_verified": "2026-09-24",
      "ministry": "Department of Art and Culture, Government of Mizoram"
    },
    {
      "level": "state",
      "state": "Arunachal Pradesh",
      "slug": "dulari-kanya-scheme",
      "code": "SS-AR-WMC-001",
      "name": "Dulari Kanya Scheme",
      "category": "women-child",
      "official_url": "https://arunachalpradesh.gov.in",
      "summary": "A fixed deposit of ₹30,000 (raised from ₹20,000 in February 2025) opened for a girl child on institutional birth in Arunachal Pradesh, maturing into a lump sum the family can withdraw later — launched around the state's 68th Republic Day with the explicit goal of bringing down infant mortality by encouraging institutional (hospital) delivery over home birth, since the scheme's benefit only applies when the birth happens at a recognised facility.",
      "benefit_amount": "₹30,000 fixed deposit (matures for withdrawal)",
      "name_hi": "दुलारी कन्या योजना",
      "summary_hi": "अरुणाचल प्रदेश में संस्थागत जन्म पर बालिका के लिए खोली गई ₹30,000 (फरवरी 2025 में ₹20,000 से बढ़ाई गई) की सावधि जमा, बाद में परिवार द्वारा निकाली जा सकने वाली एकमुश्त राशि में परिपक्व होती है — राज्य के 68वें गणतंत्र दिवस के आसपास शुरू, घर पर जन्म की तुलना में संस्थागत (अस्पताल) प्रसव को प्रोत्साहित करके शिशु मृत्यु दर कम करने के स्पष्ट लक्ष्य के साथ, क्योंकि योजना का लाभ केवल तब लागू होता है जब जन्म किसी मान्यता प्राप्त सुविधा पर हो।",
      "benefit_amount_hi": "₹30,000 सावधि जमा (निकासी के लिए परिपक्व)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Health and Family Welfare, Government of Arunachal Pradesh"
    },
    {
      "level": "state",
      "state": "Arunachal Pradesh",
      "slug": "cm-arogya-arunachal-yojana",
      "code": "SS-AR-HLT-001",
      "name": "Chief Minister Arogya Arunachal Yojana (CMAAY)",
      "category": "health-wellness",
      "official_url": "https://arunachalpradesh.gov.in",
      "summary": "A state top-up to Ayushman Bharat PM-JAY for Arunachal Pradesh residents, launched to extend enhanced cashless health cover beyond what the central scheme alone provides — both AB-PMJAY and CMAAY together give eligible families a genuinely higher coverage limit than either scheme would offer on its own, addressing the reality that serious hospitalisation costs can exceed PM-JAY's base cover even for otherwise-eligible families.",
      "benefit_amount": "Enhanced cashless health cover (state top-up to PM-JAY)",
      "name_hi": "मुख्यमंत्री आरोग्य अरुणाचल योजना (CMAAY)",
      "summary_hi": "अरुणाचल प्रदेश के निवासियों के लिए आयुष्मान भारत PM-JAY का राज्य टॉप-अप, केंद्रीय योजना अकेले जो प्रदान करती है उससे परे बढ़ा हुआ कैशलेस स्वास्थ्य कवर विस्तारित करने के लिए शुरू — AB-PMJAY और CMAAY दोनों मिलकर पात्र परिवारों को किसी भी योजना अकेले की तुलना में वास्तव में अधिक कवरेज सीमा देते हैं, इस वास्तविकता को संबोधित करते हुए कि गंभीर अस्पताल भर्ती लागत अन्यथा-पात्र परिवारों के लिए भी PM-JAY के आधार कवर से अधिक हो सकती है।",
      "benefit_amount_hi": "बढ़ा हुआ कैशलेस स्वास्थ्य कवर (PM-JAY का राज्य टॉप-अप)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Health and Family Welfare, Government of Arunachal Pradesh"
    },
    {
      "level": "state",
      "state": "Arunachal Pradesh",
      "slug": "deen-dayal-upadhyaya-swavalamban-yojana-ap",
      "code": "SS-AR-BIZ-001",
      "name": "Deen Dayal Upadhyaya Swavalamban Yojana",
      "category": "business-entrepreneurship",
      "official_url": "https://arunachalpradesh.gov.in",
      "summary": "A startup loan subsidy scheme for unemployed youth in Arunachal Pradesh, giving financial assistance in the form of subsidy on a startup loan to help young people access low-cost capital for setting up a new enterprise rather than needing to secure a loan on unsubsidised commercial terms.",
      "benefit_amount": "Subsidy on startup loan (confirm current terms)",
      "name_hi": "दीन दयाल उपाध्याय स्वावलंबन योजना",
      "summary_hi": "अरुणाचल प्रदेश के बेरोजगार युवाओं के लिए स्टार्टअप ऋण सब्सिडी योजना, युवाओं को गैर-सब्सिडी वाणिज्यिक शर्तों पर ऋण सुरक्षित करने की आवश्यकता के बजाय नया उद्यम स्थापित करने के लिए कम लागत वाली पूंजी तक पहुंचने में मदद करने के लिए स्टार्टअप ऋण पर सब्सिडी के रूप में वित्तीय सहायता देती है।",
      "benefit_amount_hi": "स्टार्टअप ऋण पर सब्सिडी (वर्तमान शर्तें पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Industries, Government of Arunachal Pradesh"
    },
    {
      "level": "state",
      "state": "Arunachal Pradesh",
      "slug": "mukhya-mantri-shramik-kalyan-yojana-ap",
      "code": "SS-AR-SKL-001",
      "name": "Mukhya Mantri Shramik Kalyan Yojana",
      "category": "skills-employment",
      "official_url": "https://arunachalpradesh.gov.in",
      "summary": "An enhancement to the benefits available through the Arunachal Pradesh Building and Other Construction Workers Welfare Board, announced by CM Pema Khandu to genuinely improve support for the state's construction labour force — including revised maternity benefits for workers' families, on top of the Board's existing accident, death, pension and education support.",
      "benefit_amount": "Enhanced BOCW benefits including revised maternity support",
      "name_hi": "मुख्य मंत्री श्रमिक कल्याण योजना",
      "summary_hi": "अरुणाचल प्रदेश भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड के माध्यम से उपलब्ध लाभों में सुधार, CM पेमा खांडू द्वारा राज्य के निर्माण श्रमिक बल के लिए सहायता को वास्तव में बेहतर बनाने के लिए घोषित — बोर्ड के मौजूदा दुर्घटना, मृत्यु, पेंशन और शिक्षा सहायता के ऊपर श्रमिकों के परिवारों के लिए संशोधित मातृत्व लाभ सहित।",
      "benefit_amount_hi": "संशोधित मातृत्व सहायता सहित बढ़े हुए BOCW लाभ",
      "last_verified": "2026-09-24",
      "ministry": "Labour Department, Government of Arunachal Pradesh"
    },
    {
      "level": "state",
      "state": "Sikkim",
      "slug": "cm-self-employment-assistance-scheme-sikkim",
      "code": "SS-SK-BIZ-001",
      "name": "Chief Minister's Self Employment Assistance Scheme (CMSEAS)",
      "category": "business-entrepreneurship",
      "official_url": "https://sikkim.gov.in",
      "summary": "Financial support for Sikkim residents to start self-employment ventures, distributed through the CM's own direct outreach events — including a first-of-its-kind 'Connect to CM' video-conference programme launched in March 2026 that links the Chief Minister's office directly to 34 Block Administrative Centres, letting beneficiaries from DESME BPL and other economically weaker categories receive assistance without travelling to Gangtok.",
      "benefit_amount": "Financial assistance for self-employment ventures",
      "name_hi": "मुख्यमंत्री स्वरोज़गार सहायता योजना (CMSEAS)",
      "summary_hi": "सिक्किम के निवासियों के लिए स्वरोज़गार उद्यम शुरू करने हेतु वित्तीय सहायता, CM के अपने प्रत्यक्ष आउटरीच कार्यक्रमों के माध्यम से वितरित — मार्च 2026 में शुरू हुए अपनी तरह के पहले 'कनेक्ट टू CM' वीडियो-कॉन्फ्रेंस कार्यक्रम सहित जो मुख्यमंत्री कार्यालय को सीधे 34 ब्लॉक प्रशासनिक केंद्रों से जोड़ता है, DESME BPL और अन्य आर्थिक रूप से कमज़ोर श्रेणियों के लाभार्थियों को गंगटोक यात्रा किए बिना सहायता प्राप्त करने देते हुए।",
      "benefit_amount_hi": "स्वरोज़गार उद्यमों के लिए वित्तीय सहायता",
      "last_verified": "2026-09-24",
      "ministry": "Chief Minister's Office, Government of Sikkim",
      "launched": "March 2026 (Connect to CM platform)"
    },
    {
      "level": "state",
      "state": "Sikkim",
      "slug": "cm-medical-assistance-scheme-sikkim",
      "code": "SS-SK-HLT-001",
      "name": "Chief Minister's Medical Assistance Scheme",
      "category": "health-wellness",
      "official_url": "https://sikkim.gov.in",
      "summary": "Direct financial assistance for medical treatment costs for Sikkim residents, particularly those from economically weaker sections, distributed alongside other Chief Minister's Office welfare initiatives at outreach events across the state — support meant to cover treatment expenses that fall outside or beyond standard health insurance coverage.",
      "benefit_amount": "Financial assistance for medical treatment costs",
      "name_hi": "मुख्यमंत्री चिकित्सा सहायता योजना",
      "summary_hi": "सिक्किम के निवासियों, विशेष रूप से आर्थिक रूप से कमज़ोर वर्गों के लिए चिकित्सा इलाज लागत हेतु प्रत्यक्ष वित्तीय सहायता, राज्य भर के आउटरीच कार्यक्रमों में मुख्यमंत्री कार्यालय की अन्य कल्याण पहलों के साथ वितरित — ऐसी सहायता जिसका मकसद उन इलाज खर्चों को कवर करना है जो मानक स्वास्थ्य बीमा कवरेज से बाहर या परे हैं।",
      "benefit_amount_hi": "चिकित्सा इलाज लागत के लिए वित्तीय सहायता",
      "last_verified": "2026-09-24",
      "ministry": "Chief Minister's Office, Government of Sikkim"
    },
    {
      "level": "state",
      "state": "Sikkim",
      "slug": "cm-education-assistance-scheme-sikkim",
      "code": "SS-SK-EDU-002",
      "name": "Chief Minister's Education Assistance Scheme (CMEAS)",
      "category": "education-learning",
      "official_url": "https://sikkim.gov.in",
      "summary": "Financial support for students in Sikkim covering education-related costs, distributed alongside a companion laptop distribution programme that provides digital access to students — part of a broader set of Chief Minister's Office welfare initiatives that also includes the Nar Bahadur Bhandari Fellowship for book publication and other education-linked support.",
      "benefit_amount": "Financial assistance for education costs + laptop distribution",
      "name_hi": "मुख्यमंत्री शिक्षा सहायता योजना (CMEAS)",
      "summary_hi": "सिक्किम के विद्यार्थियों के लिए शिक्षा-संबंधी लागतों को कवर करने वाली वित्तीय सहायता, विद्यार्थियों को डिजिटल पहुंच प्रदान करने वाले साथी लैपटॉप वितरण कार्यक्रम के साथ वितरित — मुख्यमंत्री कार्यालय की व्यापक कल्याण पहलों का हिस्सा जिसमें पुस्तक प्रकाशन के लिए नर बहादुर भंडारी फेलोशिप और अन्य शिक्षा-संबद्ध सहायता भी शामिल है।",
      "benefit_amount_hi": "शिक्षा लागत के लिए वित्तीय सहायता + लैपटॉप वितरण",
      "last_verified": "2026-09-24",
      "ministry": "Chief Minister's Office, Government of Sikkim"
    },
    {
      "level": "state",
      "state": "Sikkim",
      "slug": "sikkim-social-security-pension",
      "code": "SS-SK-SWE-001",
      "name": "Sikkim Social Security Pension",
      "category": "social-welfare-empowerment",
      "official_url": "https://sikkim.gov.in",
      "summary": "A state pension for eligible elderly persons, widows and persons with disabilities in Sikkim, running alongside the central National Family Benefit Scheme as part of the state's broader social-security net for residents without another adequate income source.",
      "benefit_amount": "Monthly pension (elderly/widows/disabled)",
      "name_hi": "सिक्किम सामाजिक सुरक्षा पेंशन",
      "summary_hi": "सिक्किम के पात्र बुज़ुर्गों, विधवाओं और दिव्यांग व्यक्तियों के लिए राज्य पेंशन, केंद्रीय राष्ट्रीय पारिवारिक लाभ योजना के साथ-साथ चलती हुई, उन निवासियों के लिए राज्य के व्यापक सामाजिक-सुरक्षा जाल के हिस्से के रूप में जिनके पास कोई अन्य पर्याप्त आय स्रोत नहीं है।",
      "benefit_amount_hi": "मासिक पेंशन (बुज़ुर्ग/विधवा/दिव्यांग)",
      "last_verified": "2026-09-24",
      "ministry": "Social Justice, Empowerment and Welfare Department, Government of Sikkim"
    },
    {
      "level": "state",
      "state": "Puducherry",
      "slug": "puducherry-social-security-pension",
      "code": "SS-PY-SWE-001",
      "name": "Puducherry Social Security Pension",
      "category": "social-welfare-empowerment",
      "official_url": "https://socialwelfare.py.gov.in",
      "summary": "A flat ₹2,000 a month across three pension streams — Old Age Pension for seniors 60 and above, Widow Pension, and Disability Pension for those certified with 40% or more disability — credited directly to Aadhaar-linked bank accounts via DBT for low-income residents (annual income below ₹75,000) across all four regions of the UT: Puducherry, Karaikal, Mahe and Yanam. CM N. Rangasamy has campaigned on having raised old-age pensions to as much as ₹4,000 in some cases, so confirm the exact current rate for your category, as figures have been reported inconsistently across sources. Around 1.91 lakh beneficiaries were covered as of late 2025, with roughly 5,000 more due to be added.",
      "benefit_amount": "₹2,000/month (some reports cite up to ₹4,000 for old-age pension — confirm current rate)",
      "name_hi": "पुदुचेरी सामाजिक सुरक्षा पेंशन",
      "summary_hi": "तीन पेंशन धाराओं में एक समान ₹2,000 प्रति माह — 60 वर्ष और उससे अधिक के वरिष्ठों के लिए वृद्धावस्था पेंशन, विधवा पेंशन, और 40% या उससे अधिक प्रमाणित दिव्यांगता वालों के लिए दिव्यांगता पेंशन — UT के सभी चार क्षेत्रों: पुदुचेरी, कराईकल, माहे और यनम में कम आय वाले निवासियों (वार्षिक आय ₹75,000 से कम) के लिए DBT के ज़रिए सीधे आधार-लिंक्ड बैंक खातों में जमा। CM एन. रंगासामी ने कुछ मामलों में वृद्धावस्था पेंशन को ₹4,000 तक बढ़ाने का अभियान चलाया है, इसलिए अपनी श्रेणी के लिए सटीक वर्तमान दर की पुष्टि करें, क्योंकि स्रोतों में आंकड़े असंगत रूप से रिपोर्ट किए गए हैं। 2025 के अंत तक लगभग 1.91 लाख लाभार्थी कवर थे, लगभग 5,000 और जोड़े जाने वाले थे।",
      "benefit_amount_hi": "₹2,000/माह (कुछ रिपोर्ट वृद्धावस्था पेंशन के लिए ₹4,000 तक बताती हैं — वर्तमान दर पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare, Government of Puducherry"
    },
    {
      "level": "state",
      "state": "Puducherry",
      "slug": "puducherry-women-heads-bpl-assistance",
      "code": "SS-PY-WMC-001",
      "name": "Financial Assistance to Women Heads of BPL Families",
      "category": "women-child",
      "official_url": "https://py.gov.in",
      "summary": "Monthly financial assistance for women heading below-poverty-line households in Puducherry, raised from ₹1,000 to ₹2,500 in the 2025-26 budget — a significant jump specifically for a group managing a household's full expenses without the income a second adult earner would typically bring in.",
      "benefit_amount": "₹2,500/month (raised from ₹1,000)",
      "name_hi": "BPL परिवारों की महिला मुखियाओं के लिए वित्तीय सहायता",
      "summary_hi": "पुदुचेरी में गरीबी रेखा से नीचे के परिवारों की मुखिया महिलाओं के लिए मासिक वित्तीय सहायता, 2025-26 के बजट में ₹1,000 से बढ़ाकर ₹2,500 की गई — एक ऐसे समूह के लिए विशेष रूप से महत्वपूर्ण बढ़ोतरी जो दूसरे वयस्क कमाने वाले की आय के बिना परिवार का पूरा खर्च संभालता है।",
      "benefit_amount_hi": "₹2,500/माह (₹1,000 से बढ़ाया गया)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare, Government of Puducherry"
    },
    {
      "level": "state",
      "state": "Puducherry",
      "slug": "puducherry-post-matric-scholarship-scst",
      "code": "SS-PY-EDU-001",
      "name": "Puducherry Post-Matric Scholarship (SC/ST)",
      "category": "education-learning",
      "official_url": "https://scholarships.gov.in",
      "summary": "Full tuition fee reimbursement plus a monthly maintenance allowance of ₹500-1,000 for Scheduled Caste and Scheduled Tribe students domiciled in Puducherry, covering education from Class 11 through PhD level. Applied for through the National Scholarships Portal and implemented by the Social Welfare Department, the scheme reaches around 10,000 students a year, with funds credited via DBT to Aadhaar-linked bank accounts.",
      "benefit_amount": "Full tuition fee reimbursement + ₹500–₹1,000/month maintenance",
      "name_hi": "पुदुचेरी पोस्ट-मैट्रिक छात्रवृत्ति (SC/ST)",
      "summary_hi": "पुदुचेरी में डोमिसाइल अनुसूचित जाति और अनुसूचित जनजाति विद्यार्थियों के लिए पूरी ट्यूशन फीस प्रतिपूर्ति साथ ही ₹500-1,000 मासिक भरण-पोषण भत्ता, कक्षा 11 से PhD स्तर तक शिक्षा को कवर करते हुए। राष्ट्रीय छात्रवृत्ति पोर्टल के माध्यम से आवेदित और सामाजिक कल्याण विभाग द्वारा क्रियान्वित, योजना सालाना लगभग 10,000 विद्यार्थियों तक पहुंचती है, धनराशि DBT के ज़रिए आधार-लिंक्ड बैंक खातों में जमा होती है।",
      "benefit_amount_hi": "पूरी ट्यूशन फीस प्रतिपूर्ति + ₹500–₹1,000/माह भरण-पोषण",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare, Government of Puducherry"
    },
    {
      "level": "state",
      "state": "Puducherry",
      "slug": "cm-skill-development-programme-puducherry",
      "code": "SS-PY-SKL-001",
      "name": "Chief Minister's Skill Development Programme",
      "category": "skills-employment",
      "official_url": "https://py.gov.in",
      "summary": "Skill training for 30,000 youth in Puducherry, announced in the 2025-26 budget as part of CM N. Rangasamy's broader push on youth employment — running alongside his government's record of filling around 5,000 vacant government positions over the preceding five years, aimed at building the job-ready skills that make both government and private-sector employment more accessible.",
      "benefit_amount": "Free skill training (target: 30,000 youth)",
      "name_hi": "मुख्यमंत्री कौशल विकास कार्यक्रम",
      "summary_hi": "पुदुचेरी के 30,000 युवाओं के लिए कौशल प्रशिक्षण, 2025-26 के बजट में CM एन. रंगासामी के युवा रोजगार पर व्यापक प्रयास के हिस्से के रूप में घोषित — पिछले पांच वर्षों में लगभग 5,000 रिक्त सरकारी पदों को भरने के उनकी सरकार के रिकॉर्ड के साथ-साथ चलते हुए, नौकरी-तैयार कौशल बनाने के लक्ष्य के साथ जो सरकारी और निजी-क्षेत्र दोनों के रोजगार को अधिक सुलभ बनाते हैं।",
      "benefit_amount_hi": "मुफ्त कौशल प्रशिक्षण (लक्ष्य: 30,000 युवा)",
      "last_verified": "2026-09-24",
      "ministry": "Directorate of Skill Development, Government of Puducherry"
    },
    {
      "level": "state",
      "state": "Chandigarh",
      "slug": "chandigarh-social-security-pension",
      "code": "SS-CH-SWE-001",
      "name": "Chandigarh Social Security Pension (Old Age / Widow / Disability)",
      "category": "social-welfare-empowerment",
      "official_url": "https://chdsw.gov.in",
      "summary": "₹1,000 a month across three linked pension streams run by the Department of Social Welfare, Women and Child Development — Old Age Pension for residents 60 and above, Pension to Widows and Destitute Women, and Pension to Disabled Persons — all paid at the same flat rate and disbursed via Aadhaar-seeded bank accounts. A Chandigarh MP raised in Parliament that these rates haven't been revised since 2016, and the Union Minister of State for Social Justice confirmed the Administration hadn't even sent a proposal to revise them, so treat ₹1,000 as the current, long-unrevised rate rather than assuming periodic increases.",
      "benefit_amount": "₹1,000/month (unrevised since 2016)",
      "name_hi": "चंडीगढ़ सामाजिक सुरक्षा पेंशन (वृद्धावस्था / विधवा / दिव्यांगता)",
      "summary_hi": "सामाजिक कल्याण, महिला एवं बाल विकास विभाग द्वारा संचालित तीन जुड़ी पेंशन धाराओं में ₹1,000 प्रति माह — 60 वर्ष और उससे अधिक के निवासियों के लिए वृद्धावस्था पेंशन, विधवा एवं निराश्रित महिलाओं को पेंशन, और दिव्यांग व्यक्तियों को पेंशन — सभी एक समान दर पर भुगतान की जाती हैं और आधार-सीडेड बैंक खातों के ज़रिए वितरित। चंडीगढ़ के एक सांसद ने संसद में उठाया कि ये दरें 2016 से संशोधित नहीं हुई हैं, और सामाजिक न्याय राज्य मंत्री ने पुष्टि की कि प्रशासन ने इन्हें संशोधित करने का प्रस्ताव भी नहीं भेजा है, इसलिए ₹1,000 को समय-समय पर बढ़ोतरी मानने के बजाय वर्तमान, लंबे समय से असंशोधित दर के रूप में मानें।",
      "benefit_amount_hi": "₹1,000/माह (2016 से असंशोधित)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare, Women and Child Development, Chandigarh Administration"
    },
    {
      "level": "state",
      "state": "Chandigarh",
      "slug": "chandigarh-disability-welfare-schemes",
      "code": "SS-CH-SWE-002",
      "name": "Chandigarh Disability Welfare Schemes",
      "category": "social-welfare-empowerment",
      "official_url": "https://chdsw.gov.in",
      "summary": "A bundle of support for persons with disabilities in Chandigarh, distinct from the disability pension — scholarships for students, a subsidy on petrol/diesel to ease mobility costs, prosthetic aid, an unemployment allowance, and free vocational training in computer skills and beauty culture, run by the Department of Social Welfare, Women and Child Development.",
      "benefit_amount": "Scholarship + petrol/diesel subsidy + prosthetic aid + unemployment allowance + free vocational training",
      "name_hi": "चंडीगढ़ दिव्यांगता कल्याण योजनाएं",
      "summary_hi": "चंडीगढ़ के दिव्यांग व्यक्तियों के लिए सहायता का एक समूह, दिव्यांगता पेंशन से अलग — विद्यार्थियों के लिए छात्रवृत्तियां, गतिशीलता लागत कम करने के लिए पेट्रोल/डीज़ल पर सब्सिडी, कृत्रिम अंग सहायता, बेरोज़गारी भत्ता, और कंप्यूटर कौशल एवं ब्यूटी कल्चर में मुफ्त व्यावसायिक प्रशिक्षण, सामाजिक कल्याण, महिला एवं बाल विकास विभाग द्वारा संचालित।",
      "benefit_amount_hi": "छात्रवृत्ति + पेट्रोल/डीज़ल सब्सिडी + कृत्रिम अंग सहायता + बेरोज़गारी भत्ता + मुफ्त व्यावसायिक प्रशिक्षण",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare, Women and Child Development, Chandigarh Administration"
    },
    {
      "level": "state",
      "state": "Chandigarh",
      "slug": "chandigarh-dependent-children-widows-assistance",
      "code": "SS-CH-WMC-001",
      "name": "Financial Assistance to Dependent Children of Widow Women",
      "category": "women-child",
      "official_url": "https://chdsw.gov.in",
      "summary": "A separate monthly payment for the dependent children of widow women in Chandigarh, run alongside the Pension to Widows and Destitute Women scheme by the Department of Social Welfare, Women and Child Development — recognising that a widow's own pension may not be enough once the specific, ongoing costs of raising her children are factored in.",
      "benefit_amount": "Monthly financial assistance for dependent children",
      "name_hi": "विधवा महिलाओं के आश्रित बच्चों के लिए वित्तीय सहायता",
      "summary_hi": "चंडीगढ़ में विधवा महिलाओं के आश्रित बच्चों के लिए एक अलग मासिक भुगतान, सामाजिक कल्याण, महिला एवं बाल विकास विभाग द्वारा विधवा एवं निराश्रित महिलाओं को पेंशन योजना के साथ-साथ संचालित — यह पहचानते हुए कि एक बार उसके बच्चों की परवरिश की विशिष्ट, चालू लागतों को शामिल करने पर विधवा की अपनी पेंशन पर्याप्त नहीं हो सकती।",
      "benefit_amount_hi": "आश्रित बच्चों के लिए मासिक वित्तीय सहायता",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare, Women and Child Development, Chandigarh Administration"
    },
    {
      "level": "state",
      "state": "Chandigarh",
      "slug": "chandigarh-bocw-welfare-board",
      "code": "SS-CH-SKL-001",
      "name": "Chandigarh Building & Other Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://labourchd.gov.in",
      "summary": "Registration with Chandigarh's construction workers' welfare board gives masons, labourers and other construction workers access to accident and death insurance, an old-age/widow/disability pension of its own, and education support for children — funded through a cess collected on construction projects, with the Board's pension rates last revised in December 2017 separately from the Social Welfare Department's own pension rates.",
      "benefit_amount": "Accident/death insurance + pension + education support",
      "name_hi": "चंडीगढ़ भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड",
      "summary_hi": "चंडीगढ़ के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों को दुर्घटना एवं मृत्यु बीमा, अपनी खुद की वृद्धावस्था/विधवा/दिव्यांगता पेंशन, और बच्चों के लिए शिक्षा सहायता तक पहुंच देता है, निर्माण परियोजनाओं पर एकत्रित उपकर से वित्तपोषित, बोर्ड की पेंशन दरें सामाजिक कल्याण विभाग की अपनी पेंशन दरों से अलग दिसंबर 2017 में अंतिम बार संशोधित की गईं।",
      "benefit_amount_hi": "दुर्घटना/मृत्यु बीमा + पेंशन + शिक्षा सहायता",
      "last_verified": "2026-09-24",
      "ministry": "Chandigarh Building and Other Construction Workers Welfare Board, Labour Department"
    },
    {
      "level": "state",
      "state": "Andaman & Nicobar Islands",
      "slug": "andaman-fisheries-inputs-subsidy-scheme",
      "code": "SS-AN-AGR-002",
      "name": "Subsidy Scheme for Essential Fishing Inputs",
      "category": "agriculture-rural-environment",
      "official_url": "https://fisheries.andaman.gov.in",
      "summary": "A subsidy scheme launched by the Fisheries Department in June 2026 covering essential fishing inputs — nets, gear and similar equipment — for fishermen in Andaman & Nicobar Islands, distinct from the Administration's existing subsidy for constructing or purchasing new fishing boats. Where the boat subsidy addresses the large, one-time capital cost of a vessel, this scheme covers the smaller, recurring equipment costs that keep an existing operation running.",
      "benefit_amount": "Subsidy on essential fishing inputs (nets, gear, equipment)",
      "name_hi": "आवश्यक मत्स्य पालन आदानों के लिए सब्सिडी योजना",
      "summary_hi": "जून 2026 में मत्स्य विभाग द्वारा शुरू की गई सब्सिडी योजना, अंडमान एवं निकोबार द्वीप समूह के मछुआरों के लिए आवश्यक मत्स्य पालन आदानों — जाल, उपकरण और समान सामग्री — को कवर करती है, नई मछली पकड़ने वाली नौकाओं के निर्माण या खरीद के लिए प्रशासन की मौजूदा सब्सिडी से अलग। जहां नौका सब्सिडी किसी जलयान की बड़ी, एक बार की पूंजी लागत को संबोधित करती है, यह योजना छोटी, आवर्ती उपकरण लागतों को कवर करती है जो मौजूदा संचालन को चालू रखती हैं।",
      "benefit_amount_hi": "आवश्यक मत्स्य पालन आदानों पर सब्सिडी (जाल, उपकरण, सामग्री)",
      "last_verified": "2026-09-24",
      "ministry": "Fisheries Department, Andaman & Nicobar Administration",
      "launched": "June 2026"
    },
    {
      "level": "state",
      "state": "Andaman & Nicobar Islands",
      "slug": "aajvs-primitive-tribal-groups-welfare",
      "code": "SS-AN-SWE-001",
      "name": "AAJVS Welfare Programme for Primitive Tribal Groups",
      "category": "social-welfare-empowerment",
      "official_url": "https://andamannicobar.gov.in",
      "summary": "A direct-provisioning welfare programme run by the Andaman Adim Janjati Vikas Samiti (AAJVS), an autonomous body chaired by the Lieutenant Governor, for the Particularly Vulnerable Tribal Groups of the islands — the Great Andamanese, Onges, Shompens and Jarawas. Support is tailored to each community's way of life rather than delivered as a uniform cash benefit: horticultural implements and clothing supplied to the Shompen on an exchange basis, free ration and clothing for the Onges and Great Andamanese, coconut plantation and horticulture development for Onges/Great Andamanese/Shompen, and medical aid extended to all these groups. The isolated Sentinelese, who maintain no contact with outsiders and are legally protected from any approach, are explicitly excluded from any direct programme — this is a policy of strict non-interference, not an administrative gap.",
      "benefit_amount": "Direct provisioning: rations, clothing, medical aid, horticultural support (community-specific)",
      "name_hi": "AAJVS आदिम जनजातीय समूह कल्याण कार्यक्रम",
      "summary_hi": "अंडमान आदिम जनजाति विकास समिति (AAJVS) द्वारा संचालित एक प्रत्यक्ष-प्रावधान कल्याण कार्यक्रम, उपराज्यपाल की अध्यक्षता वाली एक स्वायत्त संस्था, द्वीपों के विशेष रूप से कमज़ोर जनजातीय समूहों — ग्रेट अंडमानी, ओंगे, शोम्पेन और जारवा — के लिए। सहायता एक समान नकद लाभ के रूप में देने के बजाय हर समुदाय की जीवनशैली के अनुरूप बनाई गई है: शोम्पेन को विनिमय आधार पर बागवानी उपकरण और कपड़े, ओंगे और ग्रेट अंडमानी को मुफ्त राशन और कपड़े, ओंगे/ग्रेट अंडमानी/शोम्पेन के लिए नारियल बागान और बागवानी विकास, और इन सभी समूहों को विस्तारित चिकित्सा सहायता। अलग-थलग सेंटिनेली, जो बाहरी लोगों के साथ कोई संपर्क नहीं रखते और किसी भी दृष्टिकोण से कानूनी रूप से संरक्षित हैं, किसी भी प्रत्यक्ष कार्यक्रम से स्पष्ट रूप से बाहर हैं — यह सख्त गैर-हस्तक्षेप की नीति है, प्रशासनिक कमी नहीं।",
      "benefit_amount_hi": "प्रत्यक्ष प्रावधान: राशन, कपड़े, चिकित्सा सहायता, बागवानी सहायता (समुदाय-विशिष्ट)",
      "last_verified": "2026-09-24",
      "ministry": "Andaman Adim Janjati Vikas Samiti (AAJVS)"
    },
    {
      "level": "state",
      "state": "Andaman & Nicobar Islands",
      "slug": "an-islands-student-seat-reservation-mainland",
      "code": "SS-AN-EDU-002",
      "name": "Reservation of Seats for A&N Students in Mainland Colleges",
      "category": "education-learning",
      "official_url": "https://andamannicobar.gov.in",
      "summary": "Reserved seats for students from Andaman & Nicobar Islands in colleges affiliated with mainland universities — for instance, the University of Calicut — recognising that the islands' own higher-education capacity is limited relative to the range of courses students might want to pursue, and that competing for open-category seats against a much larger mainland applicant pool would put island students at a structural disadvantage.",
      "benefit_amount": "Reserved college seats (mainland universities/colleges)",
      "name_hi": "मुख्य भूमि कॉलेजों में A&N विद्यार्थियों के लिए सीट आरक्षण",
      "summary_hi": "मुख्य भूमि विश्वविद्यालयों से संबद्ध कॉलेजों — उदाहरण के लिए, कालीकट विश्वविद्यालय — में अंडमान एवं निकोबार द्वीप समूह के विद्यार्थियों के लिए आरक्षित सीटें, यह पहचानते हुए कि द्वीपों की अपनी उच्च-शिक्षा क्षमता विद्यार्थी जिन पाठ्यक्रमों को आगे बढ़ाना चाह सकते हैं उनकी सीमा के सापेक्ष सीमित है, और कहीं बड़े मुख्य भूमि आवेदक पूल के खिलाफ खुली-श्रेणी सीटों के लिए प्रतिस्पर्धा करने से द्वीप विद्यार्थियों को एक संरचनात्मक नुकसान होगा।",
      "benefit_amount_hi": "आरक्षित कॉलेज सीटें (मुख्य भूमि विश्वविद्यालय/कॉलेज)",
      "last_verified": "2026-09-24",
      "ministry": "Directorate of Education, Andaman & Nicobar Administration"
    },
    {
      "level": "state",
      "state": "Andaman & Nicobar Islands",
      "slug": "an-islands-bocw-welfare-board",
      "code": "SS-AN-SKL-001",
      "name": "A&N Islands Building & Other Construction Workers Welfare Board",
      "category": "skills-employment",
      "official_url": "https://labour.andaman.gov.in",
      "summary": "Registration with the Andaman & Nicobar Islands construction workers' welfare board gives masons, labourers and other construction workers access to accident and death insurance, a pension, and education support for children, funded through a cess collected on construction projects across the islands.",
      "benefit_amount": "Accident/death insurance + pension + education support",
      "name_hi": "A&N द्वीप समूह भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड",
      "summary_hi": "अंडमान एवं निकोबार द्वीप समूह के निर्माण श्रमिक कल्याण बोर्ड में पंजीकरण राजमिस्त्रियों, मज़दूरों और अन्य निर्माण श्रमिकों को दुर्घटना एवं मृत्यु बीमा, पेंशन, और बच्चों के लिए शिक्षा सहायता तक पहुंच देता है, द्वीपों भर की निर्माण परियोजनाओं पर एकत्रित उपकर से वित्तपोषित।",
      "benefit_amount_hi": "दुर्घटना/मृत्यु बीमा + पेंशन + शिक्षा सहायता",
      "last_verified": "2026-09-24",
      "ministry": "A&N Islands Building and Other Construction Workers Welfare Board"
    },
    {
      "level": "state",
      "state": "Lakshadweep",
      "slug": "utl-state-pension-scheme",
      "code": "SS-LD-SWE-001",
      "name": "UTL State Pension Scheme",
      "category": "social-welfare-empowerment",
      "official_url": "https://lakshadweep.gov.in",
      "summary": "A monthly pension of ₹1,500 for residents of Lakshadweep across four eligible categories — old age, widows, abandoned individuals, and persons with disabilities — administered by the Department of Social Welfare and Tribal Affairs. As of May 2025, around 3,481 beneficiaries were covered across the islands' inhabited atolls.",
      "benefit_amount": "₹1,500/month",
      "name_hi": "UTL राज्य पेंशन योजना",
      "summary_hi": "लक्षद्वीप के निवासियों के लिए चार पात्र श्रेणियों — वृद्धावस्था, विधवा, परित्यक्त व्यक्ति, और दिव्यांग व्यक्ति — में ₹1,500 मासिक पेंशन, सामाजिक कल्याण एवं जनजातीय मामले विभाग द्वारा प्रशासित। मई 2025 तक, द्वीपों के बसे हुए एटोल में लगभग 3,481 लाभार्थी कवर थे।",
      "benefit_amount_hi": "₹1,500/माह",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare and Tribal Affairs, Lakshadweep Administration"
    },
    {
      "level": "state",
      "state": "Lakshadweep",
      "slug": "lakshadweep-marriage-allowance-pwd",
      "code": "SS-LD-SWE-002",
      "name": "Marriage Allowance for Persons with Disabilities",
      "category": "social-welfare-empowerment",
      "official_url": "https://lakshadweep.gov.in",
      "summary": "₹30,000 in financial assistance to support the marriage-related expenses of persons with disabilities in Lakshadweep, run by the Department of Social Welfare and Tribal Affairs as part of its broader work implementing the RPWD Act 2016 and PwD Act 1995.",
      "benefit_amount": "₹30,000",
      "name_hi": "दिव्यांग व्यक्तियों के लिए विवाह भत्ता",
      "summary_hi": "लक्षद्वीप के दिव्यांग व्यक्तियों की विवाह-संबंधी खर्चों का समर्थन करने के लिए ₹30,000 की वित्तीय सहायता, सामाजिक कल्याण एवं जनजातीय मामले विभाग द्वारा RPWD अधिनियम 2016 और PwD अधिनियम 1995 को लागू करने के अपने व्यापक कार्य के हिस्से के रूप में संचालित।",
      "benefit_amount_hi": "₹30,000",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare and Tribal Affairs, Lakshadweep Administration"
    },
    {
      "level": "state",
      "state": "Lakshadweep",
      "slug": "lakshadweep-scholarship-scheme",
      "code": "SS-LD-EDU-001",
      "name": "Lakshadweep Scholarship Scheme",
      "category": "education-learning",
      "official_url": "https://www.myscheme.gov.in/schemes/lkdss",
      "summary": "Financial assistance for students from Lakshadweep pursuing education, applied for through the state scheme portal listed on the National Government Services Portal (MyScheme) — support that matters especially for a UT where students frequently have to travel to the mainland to access many levels of education beyond what the islands' own limited institutions can offer.",
      "benefit_amount": "Financial assistance for education (confirm current amount via portal)",
      "name_hi": "लक्षद्वीप छात्रवृत्ति योजना",
      "summary_hi": "शिक्षा प्राप्त कर रहे लक्षद्वीप के विद्यार्थियों के लिए वित्तीय सहायता, राष्ट्रीय सरकारी सेवा पोर्टल (MyScheme) पर सूचीबद्ध राज्य योजना पोर्टल के माध्यम से आवेदित — एक ऐसी UT के लिए विशेष रूप से महत्वपूर्ण सहायता जहां विद्यार्थियों को अक्सर द्वीपों के अपने सीमित संस्थानों द्वारा प्रदान की जा सकने वाली शिक्षा के कई स्तरों से परे पहुंचने के लिए मुख्य भूमि की यात्रा करनी पड़ती है।",
      "benefit_amount_hi": "शिक्षा के लिए वित्तीय सहायता (पोर्टल से वर्तमान राशि पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Education, Lakshadweep Administration"
    },
    {
      "level": "state",
      "state": "Lakshadweep",
      "slug": "lakshadweep-special-jobs-pwd",
      "code": "SS-LD-SKL-001",
      "name": "Special Jobs for Persons with Disabilities",
      "category": "skills-employment",
      "official_url": "https://lakshadweep.gov.in",
      "summary": "Contract-based employment positions for persons with disabilities in Lakshadweep, created and supported under the District Panchayat and administered by the Department of Social Welfare and Tribal Affairs — a direct route into paid work rather than relying solely on financial assistance schemes.",
      "benefit_amount": "Contract-based employment (District Panchayat)",
      "name_hi": "दिव्यांग व्यक्तियों के लिए विशेष नौकरियां",
      "summary_hi": "लक्षद्वीप के दिव्यांग व्यक्तियों के लिए अनुबंध-आधारित रोजगार पद, ज़िला पंचायत के तहत बनाए और समर्थित तथा सामाजिक कल्याण एवं जनजातीय मामले विभाग द्वारा प्रशासित — केवल वित्तीय सहायता योजनाओं पर निर्भर रहने के बजाय भुगतान वाले काम का एक प्रत्यक्ष रास्ता।",
      "benefit_amount_hi": "अनुबंध-आधारित रोजगार (ज़िला पंचायत)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare and Tribal Affairs, Lakshadweep Administration"
    },
    {
      "level": "state",
      "state": "Ladakh",
      "slug": "ladakh-social-security-pension",
      "code": "SS-LA-SWE-001",
      "name": "Ladakh Social Security Pension",
      "category": "social-welfare-empowerment",
      "official_url": "https://lahdc.nic.in",
      "summary": "₹1,500 a month for senior citizens (60+), widows, and persons with 40% or more disability who are permanent residents of Ladakh, administered jointly by LAHDC Leh and LAHDC Kargil across both districts and running parallel to the central IGNOAPS scheme rather than replacing it. Launched in 2020, the pension reaches around 30,000 beneficiaries, with an annual family income limit of ₹72,000.",
      "benefit_amount": "₹1,500/month",
      "name_hi": "लद्दाख सामाजिक सुरक्षा पेंशन",
      "summary_hi": "लद्दाख के स्थायी निवासी वरिष्ठ नागरिकों (60+), विधवाओं, और 40% या उससे अधिक दिव्यांगता वाले व्यक्तियों के लिए ₹1,500 प्रति माह, LAHDC लेह और LAHDC कारगिल द्वारा दोनों ज़िलों में संयुक्त रूप से प्रशासित और केंद्रीय IGNOAPS योजना के साथ-साथ चलती हुई, उसकी जगह लेने के बजाय। 2020 में शुरू, पेंशन लगभग 30,000 लाभार्थियों तक पहुंचती है, ₹72,000 की पारिवारिक वार्षिक आय सीमा के साथ।",
      "benefit_amount_hi": "₹1,500/माह",
      "last_verified": "2026-09-24",
      "ministry": "Ladakh Autonomous Hill Development Councils (LAHDC Leh and LAHDC Kargil)"
    },
    {
      "level": "state",
      "state": "Ladakh",
      "slug": "ladakh-women-shg-revolving-fund",
      "code": "SS-LA-BIZ-001",
      "name": "Ladakh Women SHG Revolving Fund & Loan Scheme",
      "category": "business-entrepreneurship",
      "official_url": "https://lahdc.nic.in",
      "summary": "₹15,000 in seed revolving fund plus access to up to ₹3 lakh in interest-free loans for women's Self-Help Groups in Ladakh — a two-stage structure that gives a group working capital to establish itself before it takes on a larger loan for genuine business expansion.",
      "benefit_amount": "₹15,000 seed fund + up to ₹3,00,000 interest-free loan",
      "name_hi": "लद्दाख महिला SHG आवर्ती निधि एवं ऋण योजना",
      "summary_hi": "लद्दाख के महिला स्वयं सहायता समूहों के लिए ₹15,000 की बीज आवर्ती निधि साथ ही ₹3 लाख तक के बिना ब्याज ऋण तक पहुंच — एक दो-चरण संरचना जो समूह को वास्तविक व्यावसायिक विस्तार के लिए बड़ा ऋण लेने से पहले खुद को स्थापित करने के लिए कार्यशील पूंजी देती है।",
      "benefit_amount_hi": "₹15,000 बीज निधि + ₹3,00,000 तक बिना ब्याज ऋण",
      "last_verified": "2026-09-24",
      "ministry": "Rural Development Department, LAHDC"
    },
    {
      "level": "state",
      "state": "Ladakh",
      "slug": "ladakh-post-matric-scholarship-obc",
      "code": "SS-LA-EDU-002",
      "name": "Ladakh Post-Matric Scholarship for OBC Students",
      "category": "education-learning",
      "official_url": "https://scholarships.gov.in",
      "summary": "Full tuition fee reimbursement plus a monthly maintenance allowance of ₹400-600 for OBC students from Ladakh UT pursuing education from Class 11 through post-graduate level, applied for through the National Scholarships Portal.",
      "benefit_amount": "Full tuition fee + ₹400–₹600/month maintenance",
      "name_hi": "OBC विद्यार्थियों के लिए लद्दाख पोस्ट-मैट्रिक छात्रवृत्ति",
      "summary_hi": "कक्षा 11 से स्नातकोत्तर स्तर तक शिक्षा प्राप्त कर रहे लद्दाख UT के OBC विद्यार्थियों के लिए पूरी ट्यूशन फीस प्रतिपूर्ति साथ ही ₹400-600 मासिक भरण-पोषण भत्ता, राष्ट्रीय छात्रवृत्ति पोर्टल के माध्यम से आवेदित।",
      "benefit_amount_hi": "पूरी ट्यूशन फीस + ₹400–₹600/माह भरण-पोषण",
      "last_verified": "2026-09-24",
      "ministry": "Department of Social Welfare, Ladakh UT (via National Scholarships Portal)"
    },
    {
      "level": "state",
      "state": "Ladakh",
      "slug": "mission-organic-development-initiative-ladakh",
      "code": "SS-LA-AGR-002",
      "name": "Mission Organic Development Initiative (MODI)",
      "category": "agriculture-rural-environment",
      "official_url": "https://ladakh.gov.in",
      "summary": "A ₹500 crore policy aimed at transitioning Ladakh's entire agricultural base to organic farming, announced with the target of making the UT fully organic — leveraging Ladakh's naturally low pesticide/fertiliser use (a consequence of its terrain and climate) to formalise and certify what was already a largely chemical-free farming tradition, rather than starting from a conventional-farming baseline like most organic-transition schemes elsewhere in India.",
      "benefit_amount": "Support for organic farming transition (₹500 crore initiative)",
      "name_hi": "मिशन ऑर्गेनिक डेवलपमेंट इनिशिएटिव (MODI)",
      "summary_hi": "लद्दाख के पूरे कृषि आधार को जैविक खेती की ओर बदलने के लक्ष्य वाली ₹500 करोड़ की नीति, UT को पूरी तरह जैविक बनाने के लक्ष्य के साथ घोषित — लद्दाख के स्वाभाविक रूप से कम कीटनाशक/उर्वरक उपयोग (इसके भूभाग और जलवायु का परिणाम) का लाभ उठाते हुए पहले से बड़े पैमाने पर रसायन-मुक्त खेती परंपरा को औपचारिक रूप देना और प्रमाणित करना, भारत में कहीं और अधिकांश जैविक-परिवर्तन योजनाओं की तरह पारंपरिक-खेती आधार रेखा से शुरू करने के बजाय।",
      "benefit_amount_hi": "जैविक खेती परिवर्तन के लिए सहायता (₹500 करोड़ पहल)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Agriculture, Ladakh UT"
    },
    {
      "level": "state",
      "state": "Dadra & Nagar Haveli and Daman & Diu",
      "slug": "pension-scheme-for-widows-dnhdd",
      "code": "SS-DH-SWE-001",
      "name": "Pension Scheme to Widow",
      "category": "social-welfare-empowerment",
      "official_url": "https://ddd.gov.in",
      "summary": "₹1,000 a month for widows aged 18 to 59 in Dadra & Nagar Haveli and Daman & Diu, run by the Social Welfare Department for permanent residents with annual income up to ₹1.5 lakh. The scheme has specific, clearly stated conditions worth knowing upfront: benefits stop if the widow remarries or enters a live-in relationship, and women already covered under another widow pension scheme aren't eligible for this one.",
      "benefit_amount": "₹1,000/month",
      "name_hi": "विधवा पेंशन योजना",
      "summary_hi": "दादरा एवं नगर हवेली तथा दमन एवं दीव की 18 से 59 वर्ष की विधवाओं के लिए ₹1,000 प्रति माह, ₹1.5 लाख तक वार्षिक आय वाले स्थायी निवासियों के लिए सामाजिक कल्याण विभाग द्वारा संचालित। योजना में विशिष्ट, स्पष्ट रूप से बताई गई शर्तें हैं जिन्हें पहले से जानना ज़रूरी है: यदि विधवा पुनर्विवाह करती है या लिव-इन संबंध में प्रवेश करती है तो लाभ बंद हो जाते हैं, और पहले से किसी अन्य विधवा पेंशन योजना के तहत कवर महिलाएं इसके लिए पात्र नहीं हैं।",
      "benefit_amount_hi": "₹1,000/माह",
      "last_verified": "2026-09-24",
      "ministry": "Social Welfare Department, UT of Dadra and Nagar Haveli and Daman and Diu"
    },
    {
      "level": "state",
      "state": "Dadra & Nagar Haveli and Daman & Diu",
      "slug": "dnhdd-old-age-disability-pension",
      "code": "SS-DH-SWE-002",
      "name": "Social Security Pension (Old Age & Disability)",
      "category": "social-welfare-empowerment",
      "official_url": "https://ddd.gov.in",
      "summary": "Monthly pension support for senior citizens and persons with disabilities in Dadra & Nagar Haveli and Daman & Diu, run by the Social Welfare Department under its broader Social Security Schemes budget head, which also covers medical reimbursement for freedom fighters — a genuinely wide-ranging pension portfolio for a UT of this size.",
      "benefit_amount": "Monthly pension (confirm current rate)",
      "name_hi": "सामाजिक सुरक्षा पेंशन (वृद्धावस्था एवं दिव्यांगता)",
      "summary_hi": "दादरा एवं नगर हवेली तथा दमन एवं दीव के वरिष्ठ नागरिकों और दिव्यांग व्यक्तियों के लिए मासिक पेंशन सहायता, सामाजिक कल्याण विभाग द्वारा अपने व्यापक सामाजिक सुरक्षा योजना बजट शीर्षक के तहत संचालित, जो स्वतंत्रता सेनानियों के लिए चिकित्सा प्रतिपूर्ति भी कवर करता है — इस आकार की UT के लिए वास्तव में व्यापक पेंशन पोर्टफोलियो।",
      "benefit_amount_hi": "मासिक पेंशन (वर्तमान दर पुष्टि करें)",
      "last_verified": "2026-09-24",
      "ministry": "Social Welfare Department, UT of Dadra and Nagar Haveli and Daman and Diu"
    },
    {
      "level": "state",
      "state": "Dadra & Nagar Haveli and Daman & Diu",
      "slug": "dnhdd-scst-obc-minority-scholarships",
      "code": "SS-DH-EDU-001",
      "name": "Pre & Post-Matric Scholarships for SC/OBC/Minority Students",
      "category": "education-learning",
      "official_url": "https://ddd.gov.in",
      "summary": "A bundle of scholarship support for SC, OBC and minority students in Dadra & Nagar Haveli and Daman & Diu — pre-matric and post-matric scholarships, minority-specific scholarships, free school uniforms, and free textbooks for SC/ST students — run under the UT's combined SCs, OBCs and Minorities budget head.",
      "benefit_amount": "Scholarships + free uniforms + free textbooks (by category)",
      "name_hi": "SC/OBC/अल्पसंख्यक विद्यार्थियों के लिए प्री एवं पोस्ट-मैट्रिक छात्रवृत्ति",
      "summary_hi": "दादरा एवं नगर हवेली तथा दमन एवं दीव के SC, OBC और अल्पसंख्यक विद्यार्थियों के लिए छात्रवृत्ति सहायता का एक समूह — प्री-मैट्रिक और पोस्ट-मैट्रिक छात्रवृत्ति, अल्पसंख्यक-विशिष्ट छात्रवृत्ति, मुफ्त स्कूल गणवेश, और SC/ST विद्यार्थियों के लिए मुफ्त पाठ्यपुस्तकें — UT के संयुक्त SC, OBC एवं अल्पसंख्यक बजट शीर्षक के तहत संचालित।",
      "benefit_amount_hi": "छात्रवृत्ति + मुफ्त गणवेश + मुफ्त पाठ्यपुस्तकें (श्रेणी अनुसार)",
      "last_verified": "2026-09-24",
      "ministry": "Department of Education / Tribal Welfare, UT of Dadra and Nagar Haveli and Daman and Diu"
    },
    {
      "level": "state",
      "state": "Dadra & Nagar Haveli and Daman & Diu",
      "slug": "dnhdd-tribal-area-development-component",
      "code": "SS-DH-AGR-001",
      "name": "Tribal Area Component",
      "category": "agriculture-rural-environment",
      "official_url": "https://ddd.gov.in",
      "summary": "Infrastructure development specifically for tribal areas of Dadra & Nagar Haveli and Daman & Diu — schools, health sub-centres, water supply, sanitation and irrigation — funded as a dedicated budget component rather than folded into general rural development spending, recognising that tribal settlements often need targeted infrastructure investment to reach parity with the rest of the UT.",
      "benefit_amount": "Infrastructure: schools, health sub-centres, water supply, sanitation, irrigation",
      "name_hi": "जनजातीय क्षेत्र घटक",
      "summary_hi": "दादरा एवं नगर हवेली तथा दमन एवं दीव के जनजातीय क्षेत्रों के लिए विशेष रूप से बुनियादी ढांचा विकास — स्कूल, स्वास्थ्य उप-केंद्र, जलापूर्ति, स्वच्छता और सिंचाई — सामान्य ग्रामीण विकास खर्च में मिलाने के बजाय एक समर्पित बजट घटक के रूप में वित्तपोषित, यह पहचानते हुए कि जनजातीय बस्तियों को अक्सर UT के बाकी हिस्सों के बराबर पहुंचने के लिए लक्षित बुनियादी ढांचा निवेश चाहिए होता है।",
      "benefit_amount_hi": "बुनियादी ढांचा: स्कूल, स्वास्थ्य उप-केंद्र, जलापूर्ति, स्वच्छता, सिंचाई",
      "last_verified": "2026-09-24",
      "ministry": "Tribal Welfare Department, UT of Dadra and Nagar Haveli and Daman and Diu"
    },
    {
      "slug": "pm-garib-kalyan-anna-yojana",
      "code": "CS-SWE-023",
      "name": "PM Garib Kalyan Anna Yojana (PMGKAY)",
      "level": "central",
      "state": null,
      "ministry": "Department of Food and Public Distribution",
      "category": "social-welfare-empowerment",
      "audience": [
        "bpl-families",
        "ration-card-holders"
      ],
      "summary": "5 kg of foodgrain per person per month, completely free, on top of subsidised NFSA rations — for roughly 81 crore ration-card holders nationwide, extended through December 2028.",
      "benefit_amount": "5 kg foodgrain/person/month, free",
      "launched": "2020 (merged into NFSA, 2023)",
      "last_verified": "2026-10-02",
      "official_url": "https://dfpd.gov.in",
      "name_hi": "प्रधानमंत्री गरीब कल्याण अन्न योजना (PMGKAY)",
      "summary_hi": "प्रति व्यक्ति प्रति माह 5 किलो अनाज, पूरी तरह मुफ्त, सब्सिडी वाले NFSA राशन के ऊपर — देश भर के लगभग 81 करोड़ राशन कार्ड धारकों के लिए, दिसंबर 2028 तक बढ़ाई गई।",
      "benefit_amount_hi": "5 किलो अनाज/व्यक्ति/माह, मुफ्त"
    },
    {
      "slug": "antyodaya-anna-yojana",
      "code": "CS-SWE-024",
      "name": "Antyodaya Anna Yojana (AAY)",
      "level": "central",
      "state": null,
      "ministry": "Department of Food and Public Distribution",
      "category": "social-welfare-empowerment",
      "audience": [
        "poorest-of-poor",
        "landless-labourers",
        "destitute"
      ],
      "summary": "A distinct ration card for the poorest of the poor — 35 kg of foodgrain per household per month at a steeply subsidised rate, on top of whatever PMGKAY adds free.",
      "benefit_amount": "35 kg foodgrain/household/month, highly subsidised",
      "launched": "2000",
      "last_verified": "2026-10-02",
      "official_url": "https://dfpd.gov.in",
      "name_hi": "अंत्योदय अन्न योजना (AAY)",
      "summary_hi": "सबसे गरीब परिवारों के लिए एक अलग राशन कार्ड — प्रति परिवार प्रति माह 35 किलो अनाज बेहद रियायती दर पर, PMGKAY जो मुफ्त जोड़ती है उसके ऊपर।",
      "benefit_amount_hi": "35 किलो अनाज/परिवार/माह, अत्यंत रियायती दर पर"
    },
    {
      "slug": "jan-aushadhi-yojana",
      "code": "CS-HLT-010",
      "name": "Pradhan Mantri Bharatiya Janaushadhi Pariyojana (Jan Aushadhi)",
      "level": "central",
      "state": null,
      "ministry": "Department of Pharmaceuticals",
      "category": "health-wellness",
      "audience": [
        "general-public"
      ],
      "summary": "Generic medicines at 50-90% below branded prices, sold through a nationwide network of over 15,000 dedicated Jan Aushadhi Kendras — no eligibility criteria, open to anyone.",
      "benefit_amount": "Generic medicines at 50-90% below market price",
      "launched": "2008 (rebranded 2015-16)",
      "last_verified": "2026-10-02",
      "official_url": "https://janaushadhi.gov.in",
      "name_hi": "प्रधानमंत्री भारतीय जनऔषधि परियोजना (जन औषधि)",
      "summary_hi": "ब्रांडेड कीमतों से 50-90% कम पर जेनेरिक दवाएं, देश भर में 15,000 से अधिक समर्पित जन औषधि केंद्रों के नेटवर्क के माध्यम से बेची जाती हैं — कोई पात्रता मानदंड नहीं, सभी के लिए खुला।",
      "benefit_amount_hi": "बाज़ार मूल्य से 50-90% कम पर जेनेरिक दवाएं"
    },
    {
      "slug": "national-tb-elimination-programme",
      "code": "CS-HLT-011",
      "name": "National Tuberculosis Elimination Programme (NTEP)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Health and Family Welfare",
      "category": "health-wellness",
      "audience": [
        "tb-patients",
        "general-public"
      ],
      "summary": "Free TB diagnosis and treatment at any government facility, plus ₹1,000/month nutritional support for every notified patient for the duration of treatment under Ni-kshay Poshan Yojana.",
      "benefit_amount": "Free diagnosis/treatment + ₹1,000/month nutrition support",
      "launched": "1997 (renamed/revamped 2020)",
      "last_verified": "2026-10-02",
      "official_url": "https://tbcindia.gov.in",
      "name_hi": "राष्ट्रीय क्षय रोग उन्मूलन कार्यक्रम (NTEP)",
      "summary_hi": "किसी भी सरकारी सुविधा पर मुफ्त TB जांच और इलाज, साथ ही निक्षय पोषण योजना के तहत हर अधिसूचित मरीज़ के लिए इलाज की अवधि तक ₹1,000/माह पोषण सहायता।",
      "benefit_amount_hi": "मुफ्त जांच/इलाज + ₹1,000/माह पोषण सहायता"
    },
    {
      "slug": "icds-anganwadi-services",
      "code": "CS-WMC-012",
      "name": "Integrated Child Development Services (ICDS) / Anganwadi Services",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Women and Child Development",
      "category": "women-child",
      "audience": [
        "children-under-6",
        "pregnant-women",
        "lactating-mothers"
      ],
      "summary": "Supplementary nutrition, health check-ups, immunisation referral and pre-school education for children under 6, and nutrition support for pregnant and lactating mothers, delivered through over 1.3 million Anganwadi Centres nationwide.",
      "benefit_amount": "Supplementary nutrition + health/pre-school services, free",
      "launched": "1975",
      "last_verified": "2026-10-02",
      "official_url": "https://wcd.nic.in",
      "name_hi": "एकीकृत बाल विकास सेवाएं (ICDS) / आंगनवाड़ी सेवाएं",
      "summary_hi": "6 वर्ष से कम आयु के बच्चों के लिए पूरक पोषण, स्वास्थ्य जांच, टीकाकरण रेफरल और स्कूल-पूर्व शिक्षा, तथा गर्भवती एवं स्तनपान कराने वाली माताओं के लिए पोषण सहायता, देश भर के 13 लाख से अधिक आंगनवाड़ी केंद्रों के माध्यम से।",
      "benefit_amount_hi": "पूरक पोषण + स्वास्थ्य/स्कूल-पूर्व सेवाएं, मुफ्त"
    },
    {
      "slug": "echs-ex-servicemen-health-scheme",
      "code": "CS-HLT-012",
      "name": "Ex-Servicemen Contributory Health Scheme (ECHS)",
      "level": "central",
      "state": null,
      "ministry": "Department of Ex-Servicemen Welfare, Ministry of Defence",
      "category": "health-wellness",
      "audience": [
        "ex-servicemen",
        "defence-veterans"
      ],
      "summary": "Cashless healthcare for retired armed forces personnel and their dependants at over 400 ECHS polyclinics and empanelled hospitals nationwide, in exchange for a one-time contribution at retirement.",
      "benefit_amount": "Cashless healthcare for life, one-time contribution at retirement",
      "launched": "2003",
      "last_verified": "2026-10-02",
      "official_url": "https://echs.gov.in",
      "name_hi": "पूर्व सैनिक अंशदायी स्वास्थ्य योजना (ECHS)",
      "summary_hi": "सेवानिवृत्त सशस्त्र बल कर्मियों और उनके आश्रितों के लिए देश भर के 400 से अधिक ECHS पॉलीक्लिनिक्स और सूचीबद्ध अस्पतालों में कैशलेस स्वास्थ्य सेवा, सेवानिवृत्ति पर एकमुश्त अंशदान के बदले।",
      "benefit_amount_hi": "आजीवन कैशलेस स्वास्थ्य सेवा, सेवानिवृत्ति पर एकमुश्त अंशदान"
    },
    {
      "slug": "pm-shram-yogi-maandhan",
      "code": "CS-FIN-060",
      "name": "PM Shram Yogi Maandhan (PM-SYM)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Labour and Employment",
      "category": "banking-financial-insurance",
      "audience": [
        "unorganised-sector-workers"
      ],
      "summary": "A voluntary pension scheme for unorganised-sector workers: contribute ₹55-200 a month between ages 18-40, matched equally by the government, for a guaranteed ₹3,000/month pension from age 60.",
      "benefit_amount": "₹3,000/month pension from age 60",
      "launched": "2019",
      "last_verified": "2026-10-02",
      "official_url": "https://maandhan.in",
      "name_hi": "प्रधानमंत्री श्रम योगी मानधन (PM-SYM)",
      "summary_hi": "असंगठित क्षेत्र के श्रमिकों के लिए एक स्वैच्छिक पेंशन योजना: 18-40 वर्ष की आयु के बीच ₹55-200 मासिक योगदान, सरकार द्वारा समान राशि के साथ, 60 वर्ष की आयु से ₹3,000/माह की गारंटीशुदा पेंशन के लिए।",
      "benefit_amount_hi": "60 वर्ष की आयु से ₹3,000/माह पेंशन"
    },
    {
      "slug": "unified-pension-scheme",
      "code": "CS-FIN-061",
      "name": "Unified Pension Scheme (UPS)",
      "level": "central",
      "state": null,
      "ministry": "Department of Financial Services / PFRDA",
      "category": "banking-financial-insurance",
      "audience": [
        "central-govt-employees"
      ],
      "summary": "An assured-pension option under NPS for central government employees: 50% of average basic pay from the last 12 months before retirement, after a minimum 25 years of service, with a guaranteed floor for shorter careers.",
      "benefit_amount": "50% of average last-12-month basic pay (25+ years service)",
      "launched": "2025",
      "last_verified": "2026-10-02",
      "official_url": "https://www.pfrda.org.in",
      "name_hi": "एकीकृत पेंशन योजना (UPS)",
      "summary_hi": "केंद्र सरकार के कर्मचारियों के लिए NPS के तहत एक आश्वासित-पेंशन विकल्प: सेवानिवृत्ति से पहले अंतिम 12 महीनों के औसत मूल वेतन का 50%, न्यूनतम 25 वर्ष की सेवा के बाद, कम सेवा अवधि के लिए एक गारंटीशुदा न्यूनतम सीमा के साथ।",
      "benefit_amount_hi": "अंतिम 12 महीने के औसत मूल वेतन का 50% (25+ वर्ष सेवा)"
    },
    {
      "slug": "employees-provident-fund",
      "code": "CS-FIN-062",
      "name": "Employees' Provident Fund (EPF)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Labour and Employment / EPFO",
      "category": "banking-financial-insurance",
      "audience": [
        "salaried-employees"
      ],
      "summary": "A mandatory retirement savings account for employees of firms with 20 or more workers — employer and employee each contribute 12% of basic pay monthly, earning compound interest, withdrawable at retirement or under specific conditions.",
      "benefit_amount": "12% employer + 12% employee contribution monthly, compound interest",
      "launched": "1952 (EPF Scheme 2026 replaced it, June 2026)",
      "last_verified": "2026-10-02",
      "official_url": "https://www.epfindia.gov.in",
      "name_hi": "कर्मचारी भविष्य निधि (EPF)",
      "summary_hi": "20 या अधिक कर्मचारियों वाली फर्मों के कर्मचारियों के लिए एक अनिवार्य सेवानिवृत्ति बचत खाता — नियोक्ता और कर्मचारी दोनों मासिक मूल वेतन का 12% योगदान करते हैं, चक्रवृद्धि ब्याज अर्जित करते हुए, सेवानिवृत्ति पर या विशिष्ट शर्तों के तहत निकासी योग्य।",
      "benefit_amount_hi": "मासिक 12% नियोक्ता + 12% कर्मचारी योगदान, चक्रवृद्धि ब्याज"
    },
    {
      "slug": "employees-pension-scheme",
      "code": "CS-FIN-063",
      "name": "Employees' Pension Scheme (EPS)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Labour and Employment / EPFO",
      "category": "banking-financial-insurance",
      "audience": [
        "salaried-employees"
      ],
      "summary": "A monthly pension for EPF members after 10+ years of service, funded from a share of the employer's own EPF contribution rather than a separate deduction — plus a family pension if the member dies.",
      "benefit_amount": "Monthly pension after 10+ years' service, formula-based",
      "launched": "1995",
      "last_verified": "2026-10-02",
      "official_url": "https://www.epfindia.gov.in",
      "name_hi": "कर्मचारी पेंशन योजना (EPS)",
      "summary_hi": "10+ वर्ष की सेवा के बाद EPF सदस्यों के लिए मासिक पेंशन, एक अलग कटौती के बजाय नियोक्ता के अपने EPF योगदान के एक हिस्से से वित्तपोषित — साथ ही सदस्य की मृत्यु होने पर पारिवारिक पेंशन।",
      "benefit_amount_hi": "10+ वर्ष सेवा के बाद मासिक पेंशन, सूत्र-आधारित"
    },
    {
      "slug": "igndps-disability-pension",
      "code": "CS-SWE-025",
      "name": "Indira Gandhi National Disability Pension Scheme (IGNDPS)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Rural Development",
      "category": "social-welfare-empowerment",
      "audience": [
        "persons-with-disabilities",
        "bpl-families"
      ],
      "summary": "A monthly pension under NSAP specifically for BPL individuals aged 18-79 with a severe or multiple disability (80%+, or 40%+ combined with cerebral palsy/multiple disability) — distinct from the general old-age or widow streams.",
      "benefit_amount": "₹300-500/month (state top-ups common)",
      "launched": "2009",
      "last_verified": "2026-10-02",
      "official_url": "https://nsap.nic.in",
      "name_hi": "इंदिरा गांधी राष्ट्रीय दिव्यांगता पेंशन योजना (IGNDPS)",
      "summary_hi": "NSAP के तहत विशेष रूप से 18-79 वर्ष के BPL व्यक्तियों के लिए मासिक पेंशन जिनकी गंभीर या बहु-दिव्यांगता हो (80%+, या सेरेब्रल पाल्सी/बहु-दिव्यांगता के साथ 40%+) — सामान्य वृद्धावस्था या विधवा धाराओं से अलग।",
      "benefit_amount_hi": "₹300-500/माह (राज्य टॉप-अप सामान्य)"
    },
    {
      "slug": "raksha-mantri-ex-servicemen-welfare-fund",
      "code": "CS-SWE-026",
      "name": "Raksha Mantri Ex-Servicemen Welfare Fund (RMEWF)",
      "level": "central",
      "state": null,
      "ministry": "Department of Ex-Servicemen Welfare, Ministry of Defence",
      "category": "social-welfare-empowerment",
      "audience": [
        "ex-servicemen",
        "war-widows",
        "defence-veterans"
      ],
      "summary": "Financial assistance from the Armed Forces Flag Day Fund for ex-servicemen and war widows facing serious illness, disability, or financial hardship — grants for medical treatment, modified vehicles, and more.",
      "benefit_amount": "Financial assistance, amount varies by category of need",
      "launched": "Ongoing (renamed from RMDF)",
      "last_verified": "2026-10-02",
      "official_url": "https://desw.gov.in",
      "name_hi": "रक्षा मंत्री पूर्व सैनिक कल्याण कोष (RMEWF)",
      "summary_hi": "गंभीर बीमारी, दिव्यांगता, या वित्तीय कठिनाई का सामना कर रहे पूर्व सैनिकों और युद्ध विधवाओं के लिए सशस्त्र बल ध्वज दिवस कोष से वित्तीय सहायता — चिकित्सा इलाज, संशोधित वाहनों और अधिक के लिए अनुदान।",
      "benefit_amount_hi": "वित्तीय सहायता, आवश्यकता की श्रेणी अनुसार राशि भिन्न"
    },
    {
      "slug": "employees-state-insurance",
      "code": "CS-FIN-064",
      "name": "Employees' State Insurance (ESI)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Labour and Employment / ESIC",
      "category": "banking-financial-insurance",
      "audience": [
        "salaried-employees",
        "low-wage-workers"
      ],
      "summary": "A self-financed social security and health insurance scheme for workers earning up to ₹21,000/month — free medical care for the worker and family, plus sickness, maternity, disability and dependant benefits.",
      "benefit_amount": "Free medical care + sickness/maternity/disability cash benefits",
      "launched": "1952",
      "last_verified": "2026-10-02",
      "official_url": "https://www.esic.gov.in",
      "name_hi": "कर्मचारी राज्य बीमा (ESI)",
      "summary_hi": "₹21,000/माह तक कमाने वाले श्रमिकों के लिए एक स्व-वित्तपोषित सामाजिक सुरक्षा एवं स्वास्थ्य बीमा योजना — श्रमिक और परिवार के लिए मुफ्त चिकित्सा देखभाल, साथ ही बीमारी, मातृत्व, दिव्यांगता एवं आश्रित लाभ।",
      "benefit_amount_hi": "मुफ्त चिकित्सा देखभाल + बीमारी/मातृत्व/दिव्यांगता नकद लाभ"
    },
    {
      "slug": "day-nrlm",
      "code": "CS-BIZ-052",
      "name": "Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Rural Development",
      "category": "business-entrepreneurship",
      "audience": [
        "rural-women",
        "self-help-groups",
        "bpl-families"
      ],
      "summary": "Organises rural poor women into Self-Help Groups, then connects them to bank credit at subsidised interest, skill training, and market linkages — India's largest women's SHG network, covering over 9 crore women.",
      "benefit_amount": "Bank-linked SHG credit at subsidised interest + skill training",
      "launched": "2011",
      "last_verified": "2026-10-02",
      "official_url": "https://aajeevika.gov.in",
      "name_hi": "दीनदयाल अंत्योदय योजना - राष्ट्रीय ग्रामीण आजीविका मिशन (DAY-NRLM)",
      "summary_hi": "ग्रामीण गरीब महिलाओं को स्वयं सहायता समूहों में संगठित करती है, फिर उन्हें रियायती ब्याज पर बैंक ऋण, कौशल प्रशिक्षण और बाज़ार जुड़ाव से जोड़ती है — भारत का सबसे बड़ा महिला SHG नेटवर्क, 9 करोड़ से अधिक महिलाओं को कवर करते हुए।",
      "benefit_amount_hi": "रियायती ब्याज पर बैंक-लिंक्ड SHG ऋण + कौशल प्रशिक्षण"
    },
    {
      "slug": "day-nulm",
      "code": "CS-BIZ-053",
      "name": "Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Housing and Urban Affairs",
      "category": "business-entrepreneurship",
      "audience": [
        "urban-poor",
        "street-vendors",
        "self-help-groups"
      ],
      "summary": "The urban counterpart to NRLM — self-employment loans up to ₹2 lakh with subsidy, skill training, SHG formation, and shelters for the urban homeless, aimed at the urban poor and informal workforce.",
      "benefit_amount": "Self-employment loans up to ₹2 lakh with subsidy",
      "launched": "2014",
      "last_verified": "2026-10-02",
      "official_url": "https://nulm.gov.in",
      "name_hi": "दीनदयाल अंत्योदय योजना - राष्ट्रीय शहरी आजीविका मिशन (DAY-NULM)",
      "summary_hi": "NRLM का शहरी समकक्ष — सब्सिडी के साथ ₹2 लाख तक के स्वरोज़गार ऋण, कौशल प्रशिक्षण, SHG गठन, और शहरी बेघरों के लिए आश्रय, शहरी गरीबों और अनौपचारिक कार्यबल को लक्षित करते हुए।",
      "benefit_amount_hi": "सब्सिडी के साथ ₹2 लाख तक के स्वरोज़गार ऋण"
    },
    {
      "slug": "atal-beemit-vyakti-kalyan-yojana",
      "code": "CS-SKL-022",
      "name": "Atal Beemit Vyakti Kalyan Yojana (ABVKY)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Labour and Employment / ESIC",
      "category": "skills-employment",
      "audience": [
        "unemployed",
        "esi-contributors"
      ],
      "summary": "An unemployment allowance for ESI-insured workers who lose their job involuntarily — up to 50% of average wages for up to 90 days, claimed directly through the ESIC portal.",
      "benefit_amount": "Up to 50% of average wages, up to 90 days",
      "launched": "2018 (extended to June 2027)",
      "last_verified": "2026-10-02",
      "official_url": "https://www.esic.gov.in/abvky",
      "name_hi": "अटल बीमित व्यक्ति कल्याण योजना (ABVKY)",
      "summary_hi": "अनैच्छिक रूप से नौकरी खोने वाले ESI-बीमित श्रमिकों के लिए बेरोज़गारी भत्ता — औसत वेतन का 50% तक, 90 दिनों तक, सीधे ESIC पोर्टल के माध्यम से दावा किया जाता है।",
      "benefit_amount_hi": "औसत वेतन का 50% तक, 90 दिनों तक"
    },
    {
      "slug": "agnipath-scheme",
      "code": "CS-SKL-023",
      "name": "Agnipath Scheme (Agniveer Recruitment)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Defence",
      "category": "skills-employment",
      "audience": [
        "youth",
        "aspiring-defence-recruits"
      ],
      "summary": "A four-year tour of duty into the Army, Navy or Air Force for youth aged 17.5-21, with a monthly package rising to ₹40,000, a ₹11.7 lakh lump sum at exit, and a path for up to 25% to continue in regular service.",
      "benefit_amount": "₹30,000-40,000/month + ₹11.7 lakh exit package",
      "launched": "2022",
      "last_verified": "2026-10-02",
      "official_url": "https://agnipathvayu.cdac.in",
      "name_hi": "अग्निपथ योजना (अग्निवीर भर्ती)",
      "summary_hi": "17.5-21 वर्ष के युवाओं के लिए सेना, नौसेना या वायुसेना में चार साल की सेवा अवधि, ₹40,000 तक बढ़ने वाला मासिक पैकेज, निकास पर ₹11.7 लाख एकमुश्त राशि, और 25% तक के लिए नियमित सेवा में जारी रहने का रास्ता।",
      "benefit_amount_hi": "₹30,000-40,000/माह + ₹11.7 लाख निकास पैकेज"
    },
    {
      "slug": "udid-unique-disability-id",
      "code": "CS-SWE-027",
      "name": "Unique Disability ID (UDID)",
      "level": "central",
      "state": null,
      "ministry": "Department of Empowerment of Persons with Disabilities",
      "category": "social-welfare-empowerment",
      "audience": [
        "persons-with-disabilities"
      ],
      "summary": "A single national disability certificate and ID card, replacing the patchwork of state-issued certificates — the gateway document most other disability schemes now ask for, applied for entirely online.",
      "benefit_amount": "Free national disability ID card + certificate",
      "launched": "2016",
      "last_verified": "2026-10-02",
      "official_url": "https://www.swavlambancard.gov.in",
      "name_hi": "यूनिक डिसेबिलिटी आईडी (UDID)",
      "summary_hi": "एक एकल राष्ट्रीय दिव्यांगता प्रमाण पत्र और आईडी कार्ड, राज्य-जारी प्रमाण पत्रों की पैचवर्क व्यवस्था की जगह — वह प्रवेश दस्तावेज़ जो अधिकांश अन्य दिव्यांगता योजनाएं अब मांगती हैं, पूरी तरह ऑनलाइन आवेदित।",
      "benefit_amount_hi": "मुफ्त राष्ट्रीय दिव्यांगता आईडी कार्ड + प्रमाण पत्र"
    },
    {
      "slug": "kasturba-gandhi-balika-vidyalaya",
      "code": "CS-EDU-020",
      "name": "Kasturba Gandhi Balika Vidyalaya (KGBV)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Education",
      "category": "education-learning",
      "audience": [
        "girls",
        "sc-st-obc-minority-students",
        "bpl-families"
      ],
      "summary": "Free residential upper-primary and secondary schools for girls from SC, ST, OBC, minority and BPL families in educationally backward blocks — board, lodging and schooling all covered.",
      "benefit_amount": "Free residential schooling + boarding + lodging",
      "launched": "2004",
      "last_verified": "2026-10-02",
      "official_url": "https://samagra.education.gov.in",
      "name_hi": "कस्तूरबा गांधी बालिका विद्यालय (KGBV)",
      "summary_hi": "शैक्षणिक रूप से पिछड़े ब्लॉकों में SC, ST, OBC, अल्पसंख्यक और BPL परिवारों की बालिकाओं के लिए मुफ्त आवासीय उच्च-प्राथमिक एवं माध्यमिक विद्यालय — बोर्डिंग, लॉजिंग और स्कूली शिक्षा सभी शामिल।",
      "benefit_amount_hi": "मुफ्त आवासीय स्कूली शिक्षा + बोर्डिंग + लॉजिंग"
    },
    {
      "slug": "national-creche-scheme",
      "code": "CS-WMC-013",
      "name": "National Creche Scheme (Palna)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Women and Child Development",
      "category": "women-child",
      "audience": [
        "working-mothers",
        "children-0-6"
      ],
      "summary": "Day-care for children aged 0-6 of working mothers — food, basic health check-ups and early-learning activities at creches run through state governments and NGOs.",
      "benefit_amount": "Free day-care + nutrition + health check-ups",
      "launched": "2017 (revamped from Rajiv Gandhi National Creche Scheme)",
      "last_verified": "2026-10-02",
      "official_url": "https://wcd.nic.in",
      "name_hi": "राष्ट्रीय पालना योजना (पालना)",
      "summary_hi": "कामकाजी माताओं के 0-6 वर्ष के बच्चों के लिए डे-केयर — राज्य सरकारों और NGO के माध्यम से संचालित क्रेच में भोजन, बुनियादी स्वास्थ्य जांच और प्रारंभिक-शिक्षण गतिविधियां।",
      "benefit_amount_hi": "मुफ्त डे-केयर + पोषण + स्वास्थ्य जांच"
    },
    {
      "slug": "pm-shri-schools",
      "code": "CS-EDU-021",
      "name": "PM SHRI Schools (PM Schools for Rising India)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Education",
      "category": "education-learning",
      "audience": [
        "school-students"
      ],
      "summary": "Over 14,500 existing government schools upgraded into model schools with modern infrastructure, smart classrooms and NEP-aligned teaching — students benefit by being enrolled at a selected school, not through individual application.",
      "benefit_amount": "Upgraded school infrastructure, smart classrooms, free (govt school)",
      "launched": "2022",
      "last_verified": "2026-10-02",
      "official_url": "https://pmshrischools.education.gov.in",
      "name_hi": "पीएम श्री स्कूल (PM Schools for Rising India)",
      "summary_hi": "14,500 से अधिक मौजूदा सरकारी स्कूलों को आधुनिक बुनियादी ढांचे, स्मार्ट कक्षाओं और NEP-संरेखित शिक्षण के साथ मॉडल स्कूलों में उन्नत किया गया — विद्यार्थियों को चयनित स्कूल में नामांकित होकर लाभ मिलता है, व्यक्तिगत आवेदन से नहीं।",
      "benefit_amount_hi": "उन्नत स्कूल बुनियादी ढांचा, स्मार्ट कक्षाएं, मुफ्त (सरकारी स्कूल)"
    },
    {
      "slug": "pm-vidyalaxmi",
      "code": "CS-EDU-022",
      "name": "PM Vidyalaxmi",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Education",
      "category": "education-learning",
      "audience": [
        "higher-education-students"
      ],
      "summary": "Collateral-free, guarantor-free education loans up to ₹10 lakh for students admitted on merit to one of 860+ top-ranked institutions, with a 3% interest subvention for families earning up to ₹8 lakh/year.",
      "benefit_amount": "Loan up to ₹10 lakh, collateral-free + 3% interest subvention",
      "launched": "2024",
      "last_verified": "2026-10-02",
      "official_url": "https://www.pmvidyalaxmi.co.in",
      "name_hi": "पीएम विद्यालक्ष्मी",
      "summary_hi": "860+ शीर्ष-रैंक वाले संस्थानों में से किसी एक में मेरिट से प्रवेश पाने वाले विद्यार्थियों के लिए ₹10 लाख तक का बिना जमानत, बिना गारंटर शिक्षा ऋण, ₹8 लाख/वर्ष तक कमाने वाले परिवारों के लिए 3% ब्याज छूट के साथ।",
      "benefit_amount_hi": "₹10 लाख तक ऋण, बिना जमानत + 3% ब्याज छूट"
    },
    {
      "slug": "post-matric-scholarship-st",
      "code": "CS-EDU-023",
      "name": "Post-Matric Scholarship for ST Students",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Tribal Affairs",
      "category": "education-learning",
      "audience": [
        "st-students"
      ],
      "summary": "Maintenance allowance plus fee reimbursement for Scheduled Tribe students from Class 11 through postgraduation, for families earning up to ₹2.5 lakh/year — distinct from the SC version of this scholarship.",
      "benefit_amount": "Maintenance allowance (₹11,500-19,500/year) + fee reimbursement",
      "launched": "1944 (revised 2022)",
      "last_verified": "2026-10-02",
      "official_url": "https://scholarships.gov.in",
      "name_hi": "ST विद्यार्थियों के लिए पोस्ट-मैट्रिक छात्रवृत्ति",
      "summary_hi": "कक्षा 11 से स्नातकोत्तर तक अनुसूचित जनजाति विद्यार्थियों के लिए भरण-पोषण भत्ता साथ ही फीस प्रतिपूर्ति, ₹2.5 लाख/वर्ष तक कमाने वाले परिवारों के लिए — इस छात्रवृत्ति के SC संस्करण से अलग।",
      "benefit_amount_hi": "भरण-पोषण भत्ता (₹11,500-19,500/वर्ष) + फीस प्रतिपूर्ति"
    },
    {
      "slug": "pm-jan-vikas-karyakram",
      "code": "CS-SWE-028",
      "name": "PM Jan Vikas Karyakram (PMJVK)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Minority Affairs",
      "category": "social-welfare-empowerment",
      "audience": [
        "minority-communities"
      ],
      "summary": "Infrastructure funding for identified minority-concentration areas — schools, health centres, hostels, skill centres — built area-wide rather than distributed as individual benefits.",
      "benefit_amount": "Area infrastructure: schools, health centres, hostels, skill centres",
      "launched": "2008 (as MsDP, renamed 2018)",
      "last_verified": "2026-10-02",
      "official_url": "https://www.minorityaffairs.gov.in",
      "name_hi": "प्रधानमंत्री जन विकास कार्यक्रम (PMJVK)",
      "summary_hi": "चिह्नित अल्पसंख्यक-बहुल क्षेत्रों के लिए बुनियादी ढांचा वित्तपोषण — स्कूल, स्वास्थ्य केंद्र, छात्रावास, कौशल केंद्र — व्यक्तिगत लाभ के बजाय पूरे क्षेत्र के लिए बनाए गए।",
      "benefit_amount_hi": "क्षेत्र बुनियादी ढांचा: स्कूल, स्वास्थ्य केंद्र, छात्रावास, कौशल केंद्र"
    },
    {
      "slug": "livestock-insurance-scheme",
      "code": "CS-AGR-042",
      "name": "Livestock Insurance Scheme",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Fisheries, Animal Husbandry and Dairying",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers",
        "cattle-owners"
      ],
      "summary": "Subsidised insurance for cattle, buffalo and other milch/draught animals against death — premium subsidy of 50-80% depending on category, with payout covering the animal's market value on loss.",
      "benefit_amount": "50-80% premium subsidy, payout = animal's market value",
      "launched": "2005 (now under NLM)",
      "last_verified": "2026-10-02",
      "official_url": "https://dahd.nic.in",
      "name_hi": "पशुधन बीमा योजना",
      "summary_hi": "मवेशी, भैंस और अन्य दुधारू/कृषि पशुओं के लिए मृत्यु के विरुद्ध रियायती बीमा — श्रेणी अनुसार 50-80% प्रीमियम सब्सिडी, नुकसान पर पशु के बाज़ार मूल्य को कवर करने वाला भुगतान।",
      "benefit_amount_hi": "50-80% प्रीमियम सब्सिडी, भुगतान = पशु का बाज़ार मूल्य"
    },
    {
      "slug": "national-scheme-welfare-fishermen",
      "code": "CS-AGR-043",
      "name": "National Scheme for Welfare of Fishermen",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Fisheries, Animal Husbandry and Dairying",
      "category": "agriculture-rural-environment",
      "audience": [
        "fishermen",
        "fishing-communities"
      ],
      "summary": "Housing, community hall and drinking-water assistance for fishing communities, plus a group accident insurance (PMMSY-linked) for fishermen and their families — distinct from the broader PM Matsya Sampada Yojana.",
      "benefit_amount": "Housing assistance + accident insurance + community infrastructure",
      "launched": "1992",
      "last_verified": "2026-10-02",
      "official_url": "https://dof.gov.in",
      "name_hi": "मछुआरा कल्याण के लिए राष्ट्रीय योजना",
      "summary_hi": "मछुआरा समुदायों के लिए आवास, सामुदायिक हॉल और पेयजल सहायता, साथ ही मछुआरों और उनके परिवारों के लिए समूह दुर्घटना बीमा (PMMSY-लिंक्ड) — व्यापक पीएम मत्स्य संपदा योजना से अलग।",
      "benefit_amount_hi": "आवास सहायता + दुर्घटना बीमा + सामुदायिक बुनियादी ढांचा"
    },
    {
      "slug": "national-child-labour-project",
      "code": "CS-WMC-014",
      "name": "National Child Labour Project (NCLP)",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Labour and Employment",
      "category": "women-child",
      "audience": [
        "child-labourers",
        "rescued-children"
      ],
      "summary": "Rescues children found in hazardous labour and enrols them in NCLP Special Training Centres for bridge education, a monthly stipend, nutrition and health check-ups, before mainstreaming them into regular school.",
      "benefit_amount": "Free bridge education + ₹400/month stipend + nutrition/health",
      "launched": "1988",
      "last_verified": "2026-10-02",
      "official_url": "https://labour.gov.in",
      "name_hi": "राष्ट्रीय बाल श्रम परियोजना (NCLP)",
      "summary_hi": "खतरनाक श्रम में पाए गए बच्चों को बचाती है और उन्हें पुल शिक्षा, मासिक वजीफा, पोषण एवं स्वास्थ्य जांच के लिए NCLP विशेष प्रशिक्षण केंद्रों में नामांकित करती है, नियमित स्कूल में मुख्यधारा में लाने से पहले।",
      "benefit_amount_hi": "मुफ्त पुल शिक्षा + ₹400/माह वजीफा + पोषण/स्वास्थ्य"
    },
    {
      "slug": "amrit-bharat-station-scheme",
      "code": "CS-TRN-007",
      "name": "Amrit Bharat Station Scheme",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Railways",
      "category": "transport-infrastructure",
      "audience": [
        "rail-passengers"
      ],
      "summary": "Redevelopment of 1,300+ railway stations nationwide with better access, lifts/escalators, clean waiting areas and city-side integration — passengers benefit automatically at upgraded stations, no application involved.",
      "benefit_amount": "Upgraded station infrastructure, free to use",
      "launched": "2022",
      "last_verified": "2026-10-02",
      "official_url": "https://indianrailways.gov.in",
      "name_hi": "अमृत भारत स्टेशन योजना",
      "summary_hi": "देश भर के 1,300+ रेलवे स्टेशनों का पुनर्विकास बेहतर पहुंच, लिफ्ट/एस्केलेटर, स्वच्छ प्रतीक्षा क्षेत्रों और शहर-साइड एकीकरण के साथ — यात्रियों को उन्नत स्टेशनों पर स्वतः लाभ मिलता है, कोई आवेदन शामिल नहीं।",
      "benefit_amount_hi": "उन्नत स्टेशन बुनियादी ढांचा, उपयोग के लिए मुफ्त"
    },
    {
      "slug": "handloom-weavers-pension",
      "code": "CS-SWE-029",
      "name": "Pension to Master Craftspersons / Handloom Weavers",
      "level": "central",
      "state": null,
      "ministry": "Ministry of Textiles",
      "category": "social-welfare-empowerment",
      "audience": [
        "handloom-weavers",
        "senior-citizens"
      ],
      "summary": "A ₹8,000/month pension for award-winning or indigent handloom weavers and master craftspersons aged 60+ with annual income below ₹1 lakh, plus a linked scholarship for their children's higher education.",
      "benefit_amount": "₹8,000/month pension + ₹2 lakh/year children's scholarship",
      "launched": "Under National Handloom Development Programme",
      "last_verified": "2026-10-02",
      "official_url": "https://handlooms.nic.in",
      "name_hi": "मास्टर शिल्पकार / हथकरघा बुनकर पेंशन",
      "summary_hi": "₹1 लाख से कम वार्षिक आय वाले 60+ वर्ष के पुरस्कार-विजेता या ज़रूरतमंद हथकरघा बुनकरों और मास्टर शिल्पकारों के लिए ₹8,000/माह पेंशन, साथ ही उनके बच्चों की उच्च शिक्षा के लिए जुड़ी छात्रवृत्ति।",
      "benefit_amount_hi": "₹8,000/माह पेंशन + ₹2 लाख/वर्ष बच्चों की छात्रवृत्ति"
    },
    {
      "slug": "punjab-mukh-mantri-sehat-yojana",
      "code": "SS-PB-HLT-003",
      "name": "Mukh Mantri Sehat Yojana (Punjab)",
      "level": "state",
      "state": "Punjab",
      "ministry": "Punjab State Health Agency, Department of Health & Family Welfare",
      "category": "health-wellness",
      "audience": [
        "all families in Punjab"
      ],
      "summary": "Cashless hospital cover of up to ₹10 lakh per family per year for every Punjab resident, with no income or age limit — launched on 22 January 2026 as the successor to the Sarbat Sehat Bima Yojana.",
      "benefit_amount": "₹10 lakh per family per year, cashless",
      "launched": "22 January 2026",
      "last_verified": "2026-10-08",
      "official_url": "https://sha.punjab.gov.in",
      "name_hi": "मुख्यमंत्री सेहत योजना (पंजाब)",
      "summary_hi": "पंजाब के हर निवासी परिवार के लिए प्रति वर्ष ₹10 लाख तक का कैशलेस इलाज, बिना आय या आयु सीमा के — 22 जनवरी 2026 से सर्बत सेहत बीमा योजना की जगह।",
      "benefit_amount_hi": "₹10 लाख प्रति परिवार प्रति वर्ष, कैशलेस"
    },
    {
      "slug": "haryana-old-age-samman-allowance",
      "code": "SS-HR-SWE-004",
      "name": "Old Age Samman Allowance (Haryana)",
      "level": "state",
      "state": "Haryana",
      "ministry": "Department of Social Justice, Empowerment, Welfare of SC & BC and Antyodaya (SEWA), Haryana",
      "category": "social-welfare-empowerment",
      "audience": [
        "senior citizens aged 60+ in Haryana"
      ],
      "summary": "₹3,200 a month for Haryana residents aged 60 or above whose household income, with spouse, does not exceed ₹3 lakh a year — among the highest state old-age pensions in India.",
      "benefit_amount": "₹3,200 per month",
      "launched": "1966 (renamed 1991)",
      "last_verified": "2026-10-08",
      "official_url": "https://socialjusticehry.gov.in",
      "name_hi": "वृद्धावस्था सम्मान भत्ता (हरियाणा)",
      "summary_hi": "हरियाणा के 60 वर्ष या उससे अधिक आयु के निवासियों को ₹3,200 प्रति माह, यदि पति/पत्नी सहित वार्षिक आय ₹3 लाख से अधिक न हो — देश की सबसे ऊंची राज्य वृद्धावस्था पेंशनों में से एक।",
      "benefit_amount_hi": "₹3,200 प्रति माह"
    },
    {
      "slug": "haryana-widow-destitute-women-pension",
      "code": "SS-HR-SWE-005",
      "name": "Pension to Widows and Destitute Women (Haryana)",
      "level": "state",
      "state": "Haryana",
      "ministry": "Department of Social Justice, Empowerment, Welfare of SC & BC and Antyodaya (SEWA), Haryana",
      "category": "social-welfare-empowerment",
      "audience": [
        "widows and destitute women aged 18+ in Haryana"
      ],
      "summary": "₹3,200 a month for widows and destitute women aged 18 or above in Haryana whose own income is below ₹3 lakh a year — payable from any age, with no waiting for 40 or 60.",
      "benefit_amount": "₹3,200 per month",
      "launched": "1980-81",
      "last_verified": "2026-10-08",
      "official_url": "https://socialjusticehry.gov.in",
      "name_hi": "विधवा एवं निराश्रित महिला पेंशन (हरियाणा)",
      "summary_hi": "हरियाणा की 18 वर्ष या उससे अधिक आयु की विधवाओं और निराश्रित महिलाओं को ₹3,200 प्रति माह, यदि अपनी वार्षिक आय ₹3 लाख से कम हो — किसी भी उम्र से, 40 या 60 वर्ष का इंतज़ार नहीं।",
      "benefit_amount_hi": "₹3,200 प्रति माह"
    },
    {
      "slug": "haryana-divyang-pension",
      "code": "SS-HR-SWE-006",
      "name": "Divyang Pension (Haryana)",
      "level": "state",
      "state": "Haryana",
      "ministry": "Department of Social Justice, Empowerment, Welfare of SC & BC and Antyodaya (SEWA), Haryana",
      "category": "social-welfare-empowerment",
      "audience": [
        "persons with 60%+ disability in Haryana"
      ],
      "summary": "₹3,200 a month for Haryana residents aged 18 or above with a disability of 60% or more, under the Haryana Divyang Pension Rules 2025 — subject to an income test tied to minimum wages.",
      "benefit_amount": "₹3,200 per month",
      "launched": "1981",
      "last_verified": "2026-10-08",
      "official_url": "https://socialjusticehry.gov.in",
      "name_hi": "दिव्यांग पेंशन (हरियाणा)",
      "summary_hi": "हरियाणा के 18 वर्ष या उससे अधिक आयु के 60% या अधिक दिव्यांगता वाले निवासियों को ₹3,200 प्रति माह, हरियाणा दिव्यांग पेंशन नियम 2025 के तहत — न्यूनतम मजदूरी से जुड़ी आय शर्त के साथ।",
      "benefit_amount_hi": "₹3,200 प्रति माह"
    },
    {
      "slug": "ganga-swaroopa-arthik-sahay-yojana-gujarat",
      "code": "SS-GJ-SWE-001",
      "name": "Ganga Swaroopa Arthik Sahay Yojana (Gujarat Widow Pension)",
      "level": "state",
      "state": "Gujarat",
      "ministry": "Gujarat Department of Women & Child Development",
      "category": "social-welfare-empowerment",
      "audience": [
        "widows in Gujarat"
      ],
      "summary": "₹1,250 a month by direct transfer to widows aged 18 or above in Gujarat with family income up to ₹1.2 lakh (rural) or ₹1.5 lakh (urban), plus a free accident-insurance cover.",
      "benefit_amount": "₹1,250 per month",
      "launched": "Renamed 2019 (formerly Vidhva Sahay Yojana)",
      "last_verified": "2026-10-08",
      "official_url": "https://wcd.gujarat.gov.in",
      "name_hi": "गंगा स्वरूपा आर्थिक सहायता योजना (गुजरात विधवा पेंशन)",
      "summary_hi": "गुजरात की 18 वर्ष या उससे अधिक आयु की विधवाओं को ₹1,250 प्रति माह सीधे खाते में, पारिवारिक आय ग्रामीण क्षेत्र में ₹1.2 लाख और शहरी में ₹1.5 लाख तक, साथ में निःशुल्क दुर्घटना बीमा।",
      "benefit_amount_hi": "₹1,250 प्रति माह"
    },
    {
      "slug": "mukhyamantri-vayoshri-yojana-maharashtra",
      "code": "SS-MH-SWE-002",
      "name": "Mukhyamantri Vayoshri Yojana (Maharashtra)",
      "level": "state",
      "state": "Maharashtra",
      "ministry": "Maharashtra Social Justice & Special Assistance Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "senior citizens aged 65+ in Maharashtra"
      ],
      "summary": "A one-time ₹3,000 transfer for senior citizens aged 65+ with family income up to ₹2 lakh, to buy aids such as spectacles or a knee brace — or to join a registered yoga or wellness centre.",
      "benefit_amount": "₹3,000 one-time",
      "launched": "February 2024",
      "last_verified": "2026-10-08",
      "official_url": "https://sjsa.maharashtra.gov.in",
      "name_hi": "मुख्यमंत्री वयोश्री योजना (महाराष्ट्र)",
      "summary_hi": "65 वर्ष या अधिक आयु के वरिष्ठ नागरिकों को, जिनकी पारिवारिक आय ₹2 लाख तक हो, चश्मा या घुटने का बेल्ट जैसे उपकरण खरीदने या पंजीकृत योग/स्वास्थ्य केंद्र में शामिल होने के लिए एकमुश्त ₹3,000।",
      "benefit_amount_hi": "₹3,000 एकमुश्त"
    },
    {
      "slug": "majhi-kanya-bhagyashree-yojana",
      "code": "SS-MH-WMC-003",
      "name": "Majhi Kanya Bhagyashree Yojana (Maharashtra)",
      "level": "state",
      "state": "Maharashtra",
      "ministry": "Maharashtra Department of Women & Child Development",
      "category": "women-child",
      "audience": [
        "families with one or two daughters in Maharashtra"
      ],
      "summary": "A fixed deposit of ₹50,000 for a family with one daughter, or ₹25,000 each for two, for daughters born on or after 1 August 2017 — for families earning up to ₹7.5 lakh who opt for family planning.",
      "benefit_amount": "₹50,000 deposit (one daughter) or ₹25,000 each (two daughters)",
      "launched": "1 August 2017 (revised scheme)",
      "last_verified": "2026-10-08",
      "official_url": "https://wcd.maharashtra.gov.in",
      "name_hi": "माझी कन्या भाग्यश्री योजना (महाराष्ट्र)",
      "summary_hi": "1 अगस्त 2017 या उसके बाद जन्मी बेटियों के लिए — एक बेटी वाले परिवार को ₹50,000 या दो बेटियों वाले को प्रत्येक के नाम ₹25,000 की सावधि जमा, ₹7.5 लाख तक की आय और परिवार नियोजन अपनाने पर।",
      "benefit_amount_hi": "₹50,000 जमा (एक बेटी) या ₹25,000 प्रत्येक (दो बेटियां)"
    },
    {
      "slug": "rajasthan-150-unit-free-electricity-scheme",
      "code": "SS-RJ-UTL-001",
      "name": "150 Units Free Electricity Scheme (Rajasthan)",
      "level": "state",
      "state": "Rajasthan",
      "ministry": "Rajasthan Energy Department and Discoms (JVVNL, AVVNL, JdVVNL)",
      "category": "utility-sanitation",
      "audience": [
        "domestic electricity consumers in Rajasthan"
      ],
      "summary": "Up to 150 units of free electricity a month for Rajasthan households already registered under the Mukhyamantri Nishulk Bijli Yojana, in return for installing a 1.1 kW rooftop solar plant under PM Surya Ghar.",
      "benefit_amount": "Up to 150 free units/month",
      "launched": "2025-26",
      "last_verified": "2026-10-08",
      "official_url": "https://bijlimitra.com",
      "name_hi": "150 यूनिट निःशुल्क बिजली योजना (राजस्थान)",
      "summary_hi": "मुख्यमंत्री निःशुल्क बिजली योजना में पहले से पंजीकृत राजस्थान के परिवारों को, पीएम सूर्य घर के तहत 1.1 किलोवाट की रूफटॉप सोलर प्रणाली लगाने पर हर माह 150 यूनिट तक निःशुल्क बिजली।",
      "benefit_amount_hi": "हर माह 150 यूनिट तक निःशुल्क"
    },
    {
      "slug": "vidyasiri-scholarship-karnataka",
      "code": "SS-KA-EDU-002",
      "name": "Vidyasiri Scholarship — Food & Accommodation (Karnataka)",
      "level": "state",
      "state": "Karnataka",
      "ministry": "Karnataka Backward Classes Welfare Department",
      "category": "education-learning",
      "audience": [
        "OBC post-matric students in Karnataka without hostel seats"
      ],
      "summary": "₹1,500 a month for ten months (₹15,000 a year) for OBC post-matric students in Karnataka who could not get a seat in a government or aided hostel — through the State Scholarship Portal.",
      "benefit_amount": "₹1,500/month for 10 months (₹15,000/year)",
      "launched": "Karnataka Backward Classes Welfare Department scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://ssp.postmatric.karnataka.gov.in",
      "name_hi": "विद्यासिरी छात्रवृत्ति — भोजन एवं आवास (कर्नाटक)",
      "summary_hi": "कर्नाटक के उन ओबीसी स्नातकोत्तर-पूर्व (पोस्ट-मैट्रिक) विद्यार्थियों को ₹1,500 प्रति माह, दस माह तक (₹15,000 प्रति वर्ष), जिन्हें सरकारी या सहायता प्राप्त छात्रावास में सीट नहीं मिली — राज्य छात्रवृत्ति पोर्टल के माध्यम से।",
      "benefit_amount_hi": "₹1,500 प्रति माह, 10 माह (₹15,000 प्रति वर्ष)"
    },
    {
      "slug": "raitha-vidya-nidhi-karnataka",
      "code": "SS-KA-EDU-003",
      "name": "CM Raitha Vidya Nidhi Scholarship (Karnataka)",
      "level": "state",
      "state": "Karnataka",
      "ministry": "Karnataka Department of Agriculture",
      "category": "education-learning",
      "audience": [
        "children of farmers in Karnataka"
      ],
      "summary": "An annual scholarship of ₹2,500 to ₹11,000 for children of registered Karnataka farmers studying after Class 10 — the amount depends on the course and on whether the student is a boy or a girl.",
      "benefit_amount": "₹2,500–₹11,000 per year",
      "launched": "August 2021",
      "last_verified": "2026-10-08",
      "official_url": "https://raitamitra.karnataka.gov.in",
      "name_hi": "मुख्यमंत्री रैयत विद्या निधि छात्रवृत्ति (कर्नाटक)",
      "summary_hi": "कर्नाटक के पंजीकृत किसानों के बच्चों को 10वीं के बाद की पढ़ाई के लिए प्रति वर्ष ₹2,500 से ₹11,000 तक की छात्रवृत्ति — राशि पाठ्यक्रम और छात्र/छात्रा के आधार पर तय होती है।",
      "benefit_amount_hi": "₹2,500–₹11,000 प्रति वर्ष"
    },
    {
      "slug": "delhi-pension-women-in-distress",
      "code": "SS-DL-SWE-003",
      "name": "Delhi Pension Scheme to Women in Distress",
      "level": "state",
      "state": "Delhi (NCT)",
      "ministry": "Delhi Department of Women & Child Development",
      "category": "social-welfare-empowerment",
      "audience": [
        "widows and women in distress in Delhi"
      ],
      "summary": "₹2,500 a month for widowed, divorced, separated, deserted or destitute women aged 18 or above who have lived in Delhi for five years and earn less than ₹1 lakh a year.",
      "benefit_amount": "₹2,500 per month",
      "launched": "Delhi WCD scheme (current rate ₹2,500)",
      "last_verified": "2026-10-08",
      "official_url": "https://edistrict.delhigovt.nic.in",
      "name_hi": "दिल्ली संकटग्रस्त महिला पेंशन योजना",
      "summary_hi": "18 वर्ष या उससे अधिक आयु की विधवा, तलाकशुदा, अलग रह रही, परित्यक्ता या निराश्रित महिलाओं को ₹2,500 प्रति माह, जो पांच वर्ष से दिल्ली में रह रही हों और जिनकी वार्षिक आय ₹1 लाख से कम हो।",
      "benefit_amount_hi": "₹2,500 प्रति माह"
    },
    {
      "slug": "kalyana-lakshmi-shaadi-mubarak-telangana",
      "code": "SS-TG-WMC-003",
      "name": "Kalyana Lakshmi / Shaadi Mubarak (Telangana)",
      "level": "state",
      "state": "Telangana",
      "ministry": "Telangana Women Development & Child Welfare Department",
      "category": "women-child",
      "audience": [
        "brides from eligible families in Telangana"
      ],
      "summary": "A one-time ₹1,00,116 marriage grant for brides from SC, ST, BC, EBC and minority families in Telangana whose parents earn up to ₹2 lakh a year, applied for online through ePASS.",
      "benefit_amount": "₹1,00,116 one-time",
      "launched": "2 October 2014",
      "last_verified": "2026-10-08",
      "official_url": "https://telanganaepass.cgg.gov.in",
      "name_hi": "कल्याण लक्ष्मी / शादी मुबारक (तेलंगाना)",
      "summary_hi": "तेलंगाना के एससी, एसटी, बीसी, ईबीसी और अल्पसंख्यक परिवारों की दुल्हनों के लिए एकमुश्त ₹1,00,116 का विवाह अनुदान, जिनके माता-पिता की वार्षिक आय ₹2 लाख तक हो — ePASS के माध्यम से ऑनलाइन आवेदन।",
      "benefit_amount_hi": "₹1,00,116 एकमुश्त"
    },
    {
      "slug": "nanda-gaura-yojana-uttarakhand",
      "code": "SS-UK-WMC-003",
      "name": "Nanda Gaura Yojana (Uttarakhand)",
      "level": "state",
      "state": "Uttarakhand",
      "ministry": "Uttarakhand Department of Women Empowerment & Child Development",
      "category": "women-child",
      "audience": [
        "girl children in Uttarakhand"
      ],
      "summary": "₹62,000 for a girl child in two stages — ₹11,000 at birth and ₹51,000 after she passes Class 12 — for up to two daughters per family with income up to ₹72,000 a year.",
      "benefit_amount": "₹11,000 at birth + ₹51,000 after Class 12 (₹62,000 total)",
      "launched": "Incorporates Gaura Devi Kanya Dhan Yojana",
      "last_verified": "2026-10-08",
      "official_url": "https://www.nandagaurauk.in",
      "name_hi": "नंदा गौरा योजना (उत्तराखंड)",
      "summary_hi": "बेटी के लिए दो चरणों में कुल ₹62,000 — जन्म पर ₹11,000 और 12वीं पास करने पर ₹51,000 — प्रति परिवार अधिकतम दो बेटियों के लिए, ₹72,000 तक की वार्षिक आय वाले परिवारों को।",
      "benefit_amount_hi": "जन्म पर ₹11,000 + 12वीं के बाद ₹51,000 (कुल ₹62,000)"
    },
    {
      "slug": "pyari-behna-sukh-samman-nidhi-himachal",
      "code": "SS-HP-WMC-002",
      "name": "Indira Gandhi Pyari Behna Sukh Samman Nidhi Yojana (Himachal Pradesh)",
      "level": "state",
      "state": "Himachal Pradesh",
      "ministry": "Himachal Pradesh Department of Social Justice & Empowerment",
      "category": "women-child",
      "audience": [
        "women aged 18-59 in Himachal Pradesh"
      ],
      "summary": "₹1,500 a month for women aged 18 to 59 in Himachal Pradesh, rolled out in phases since February 2024 — families of government employees, pensioners and income-tax payers are excluded.",
      "benefit_amount": "₹1,500 per month",
      "launched": "25 February 2024",
      "last_verified": "2026-10-08",
      "official_url": "https://hp.gov.in",
      "name_hi": "इंदिरा गांधी प्यारी बहना सुख सम्मान निधि योजना (हिमाचल प्रदेश)",
      "summary_hi": "हिमाचल प्रदेश की 18 से 59 वर्ष की महिलाओं को ₹1,500 प्रति माह, फरवरी 2024 से चरणबद्ध रूप से लागू — सरकारी कर्मचारियों, पेंशनभोगियों और आयकर दाताओं के परिवार शामिल नहीं।",
      "benefit_amount_hi": "₹1,500 प्रति माह"
    },
    {
      "slug": "mukhyamantri-samuhik-vivah-yojana-up",
      "code": "SS-UP-WMC-005",
      "name": "Mukhyamantri Samuhik Vivah Yojana (Uttar Pradesh)",
      "level": "state",
      "state": "Uttar Pradesh",
      "ministry": "Uttar Pradesh Social Welfare Department",
      "category": "women-child",
      "audience": [
        "daughters of eligible families in Uttar Pradesh"
      ],
      "summary": "₹1 lakh per couple at a government mass-marriage ceremony in Uttar Pradesh — ₹60,000 into the bride's account, ₹25,000 in gifts and ₹15,000 for the ceremony — for families earning up to ₹3 lakh.",
      "benefit_amount": "₹1 lakh per couple (₹60,000 + ₹25,000 gifts + ₹15,000 ceremony)",
      "launched": "3 October 2017 (amount raised to ₹1 lakh from 2025-26)",
      "last_verified": "2026-10-08",
      "official_url": "https://shadianudan.upsdc.gov.in",
      "name_hi": "मुख्यमंत्री सामूहिक विवाह योजना (उत्तर प्रदेश)",
      "summary_hi": "उत्तर प्रदेश में सरकारी सामूहिक विवाह समारोह में प्रति जोड़ा ₹1 लाख — दुल्हन के खाते में ₹60,000, ₹25,000 के उपहार और ₹15,000 समारोह खर्च — ₹3 लाख तक की आय वाले परिवारों के लिए।",
      "benefit_amount_hi": "प्रति जोड़ा ₹1 लाख (₹60,000 + ₹25,000 उपहार + ₹15,000 समारोह)"
    },
    {
      "slug": "delhi-mukhyamantri-tirth-yatra-yojana",
      "code": "SS-DL-SWE-004",
      "name": "Delhi Mukhyamantri Tirth Yatra Yojana",
      "level": "state",
      "state": "Delhi (NCT)",
      "ministry": "Delhi Revenue Department (Teerth Yatra Vikas Samiti)",
      "category": "social-welfare-empowerment",
      "audience": [
        "senior citizens aged 60+ in Delhi"
      ],
      "summary": "Free all-expenses pilgrimage on up to 15 routes for Delhi residents aged 60 or above, with one attendant — one trip per lifetime, no income test, run through the Teerth Yatra Vikas Samiti.",
      "benefit_amount": "Free pilgrimage with attendant (travel, stay, food)",
      "launched": "2019 (Cabinet approval January 2018)",
      "last_verified": "2026-10-08",
      "official_url": "https://edistrict.delhigovt.nic.in",
      "name_hi": "दिल्ली मुख्यमंत्री तीर्थ यात्रा योजना",
      "summary_hi": "दिल्ली के 60 वर्ष या अधिक आयु के निवासियों के लिए 15 मार्गों तक निःशुल्क तीर्थ यात्रा, एक साथी सहित — जीवन में एक बार, आय की कोई शर्त नहीं, तीर्थ यात्रा विकास समिति के माध्यम से।",
      "benefit_amount_hi": "साथी सहित निःशुल्क तीर्थ यात्रा (यात्रा, ठहराव, भोजन)"
    },
    {
      "slug": "delhi-atal-canteen-scheme",
      "code": "SS-DL-SWE-005",
      "name": "Atal Canteen Scheme (Delhi)",
      "level": "state",
      "state": "Delhi (NCT)",
      "ministry": "Delhi Urban Shelter Improvement Board (DUSIB)",
      "category": "social-welfare-empowerment",
      "audience": [
        "anyone in Delhi, especially daily-wage workers"
      ],
      "summary": "A full meal for ₹5 at Atal Canteens across Delhi, open to everyone with no registration — launched on 25 December 2025 and grown to 100 outlets, replacing the earlier Jan Aahar scheme.",
      "benefit_amount": "Full meal at ₹5",
      "launched": "25 December 2025",
      "last_verified": "2026-10-08",
      "official_url": "https://delhi.gov.in",
      "name_hi": "अटल कैंटीन योजना (दिल्ली)",
      "summary_hi": "दिल्ली भर की अटल कैंटीनों में ₹5 में पूरा भोजन, बिना पंजीकरण के सबके लिए — 25 दिसंबर 2025 को शुरू होकर 100 केंद्र तक पहुंची, पहले की जन आहार योजना की जगह।",
      "benefit_amount_hi": "₹5 में पूरा भोजन"
    },
    {
      "slug": "up-vishwakarma-shram-samman-yojana",
      "code": "SS-UP-SKL-003",
      "name": "Vishwakarma Shram Samman Yojana 2.0 (Uttar Pradesh)",
      "level": "state",
      "state": "Uttar Pradesh",
      "ministry": "Uttar Pradesh MSME & Export Promotion Department (Directorate of Industries)",
      "category": "skills-employment",
      "audience": [
        "traditional artisans and skilled workers in Uttar Pradesh"
      ],
      "summary": "Free skill training of up to ten days, a toolkit worth up to ₹15,000 and margin-money loan support for artisans and skilled workers in Uttar Pradesh — a state scheme, separate from central PM Vishwakarma.",
      "benefit_amount": "Free training + toolkit up to ₹15,000 + loan support",
      "launched": "2018 (version 2.0 is current)",
      "last_verified": "2026-10-08",
      "official_url": "https://msme1connect.up.gov.in",
      "name_hi": "विश्वकर्मा श्रम सम्मान योजना 2.0 (उत्तर प्रदेश)",
      "summary_hi": "उत्तर प्रदेश के कारीगरों और कुशल श्रमिकों के लिए दस दिन तक निःशुल्क प्रशिक्षण, ₹15,000 तक का टूलकिट और मार्जिन मनी ऋण सहायता — राज्य की योजना, केंद्र की पीएम विश्वकर्मा से अलग।",
      "benefit_amount_hi": "निःशुल्क प्रशिक्षण + ₹15,000 तक का टूलकिट + ऋण सहायता"
    },
    {
      "slug": "up-odop-margin-money-scheme",
      "code": "SS-UP-BIZ-002",
      "name": "ODOP Margin Money Scheme (Uttar Pradesh)",
      "level": "state",
      "state": "Uttar Pradesh",
      "ministry": "Uttar Pradesh MSME & Export Promotion Department (District Industries Centres)",
      "category": "business-entrepreneurship",
      "audience": [
        "units making a district's ODOP product in Uttar Pradesh"
      ],
      "summary": "A margin-money grant of 25% (up to ₹6.25 lakh) on projects costing up to ₹25 lakh for units making their district's One District One Product item, scaling down to 10% for larger projects.",
      "benefit_amount": "25% margin money, up to ₹6.25 lakh (projects up to ₹25 lakh)",
      "launched": "2018 (One District One Product)",
      "last_verified": "2026-10-08",
      "official_url": "https://odopup.in",
      "name_hi": "ओडीओपी मार्जिन मनी योजना (उत्तर प्रदेश)",
      "summary_hi": "अपने जिले का एक जनपद एक उत्पाद (ODOP) बनाने वाली इकाइयों को ₹25 लाख तक की परियोजना पर 25% (₹6.25 लाख तक) मार्जिन मनी अनुदान, बड़ी परियोजनाओं पर घटकर 10%।",
      "benefit_amount_hi": "25% मार्जिन मनी, ₹6.25 लाख तक (₹25 लाख तक की परियोजना पर)"
    },
    {
      "slug": "up-divyang-pension-yojana",
      "code": "SS-UP-SWE-006",
      "name": "UP Divyang Pension Yojana (Uttar Pradesh)",
      "level": "state",
      "state": "Uttar Pradesh",
      "ministry": "Uttar Pradesh Department of Empowerment of Persons with Disabilities (Divyangjan Sashaktikaran)",
      "category": "social-welfare-empowerment",
      "audience": [
        "persons with 40%+ disability in Uttar Pradesh"
      ],
      "summary": "₹1,000 a month for Uttar Pradesh residents aged 18 or above with 40% or more disability and a family income within the SSPY limit (₹46,080 rural, ₹56,460 urban), paid quarterly by direct transfer.",
      "benefit_amount": "₹1,000 per month (₹3,000 per quarter)",
      "launched": "State pension scheme on the SSPY portal",
      "last_verified": "2026-10-08",
      "official_url": "https://sspy-up.gov.in",
      "name_hi": "यूपी दिव्यांग पेंशन योजना (उत्तर प्रदेश)",
      "summary_hi": "उत्तर प्रदेश के 18 वर्ष या अधिक आयु के 40% या अधिक दिव्यांगता वाले निवासियों को ₹1,000 प्रति माह, पारिवारिक आय SSPY सीमा (ग्रामीण ₹46,080, शहरी ₹56,460) के भीतर हो, तिमाही सीधे खाते में।",
      "benefit_amount_hi": "₹1,000 प्रति माह (₹3,000 प्रति तिमाही)"
    },
    {
      "slug": "up-nishulk-boring-yojana",
      "code": "SS-UP-AGR-002",
      "name": "UP Nishulk Boring Yojana (Free Boring Scheme)",
      "level": "state",
      "state": "Uttar Pradesh",
      "ministry": "Uttar Pradesh Minor Irrigation and Ground Water Department",
      "category": "agriculture-rural-environment",
      "audience": [
        "small and marginal farmers in Uttar Pradesh"
      ],
      "summary": "Grants towards boring a tubewell and buying a pump set for small and marginal farmers in Uttar Pradesh — up to ₹5,000 or ₹7,000 on the boring for general-category farmers and ₹10,000 for SC/ST farmers.",
      "benefit_amount": "Boring grant ₹5,000–₹10,000 + pump-set grant",
      "launched": "Minor Irrigation Department scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://minorirrigationup.gov.in",
      "name_hi": "यूपी निःशुल्क बोरिंग योजना",
      "summary_hi": "उत्तर प्रदेश के लघु और सीमांत किसानों को ट्यूबवेल की बोरिंग और पंप सेट खरीदने पर अनुदान — सामान्य वर्ग के किसानों को बोरिंग पर ₹5,000 या ₹7,000 तक और एससी/एसटी किसानों को ₹10,000 तक।",
      "benefit_amount_hi": "बोरिंग अनुदान ₹5,000–₹10,000 + पंप सेट अनुदान"
    },
    {
      "slug": "up-mukhyamantri-krishak-durghatna-kalyan-yojana",
      "code": "SS-UP-AGR-003",
      "name": "Mukhyamantri Krishak Durghatna Kalyan Yojana (Uttar Pradesh)",
      "level": "state",
      "state": "Uttar Pradesh",
      "ministry": "Uttar Pradesh Revenue Department (Board of Revenue)",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers in Uttar Pradesh"
      ],
      "summary": "Up to ₹5 lakh to the family of a farmer who dies or is seriously disabled in an accident in Uttar Pradesh — with no premium to pay, and claims now accepted within 180 days of the accident.",
      "benefit_amount": "Up to ₹5 lakh",
      "launched": "14 September 2019",
      "last_verified": "2026-10-08",
      "official_url": "https://up.gov.in",
      "name_hi": "मुख्यमंत्री कृषक दुर्घटना कल्याण योजना (उत्तर प्रदेश)",
      "summary_hi": "उत्तर प्रदेश में किसी किसान की दुर्घटना में मृत्यु या गंभीर दिव्यांगता पर परिवार को ₹5 लाख तक — कोई प्रीमियम नहीं, और अब दुर्घटना के 180 दिन के भीतर दावा स्वीकार।",
      "benefit_amount_hi": "₹5 लाख तक"
    },
    {
      "slug": "bihar-mukhyamantri-kanya-vivah-yojana",
      "code": "SS-BR-WMC-003",
      "name": "Mukhyamantri Kanya Vivah Yojana (Bihar)",
      "level": "state",
      "state": "Bihar",
      "ministry": "Bihar Department of Social Welfare",
      "category": "women-child",
      "audience": [
        "daughters of BPL and low-income families in Bihar"
      ],
      "summary": "₹5,000 marriage assistance for daughters of BPL or low-income (up to ₹60,000 a year) families in Bihar — for a registered marriage, with the bride 18+ and the groom 21+ and a no-dowry declaration.",
      "benefit_amount": "₹5,000 per daughter",
      "launched": "Bihar Social Welfare Department scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://serviceonline.bihar.gov.in",
      "name_hi": "मुख्यमंत्री कन्या विवाह योजना (बिहार)",
      "summary_hi": "बिहार के बीपीएल या कम आय (₹60,000 वार्षिक तक) वाले परिवारों की बेटियों को ₹5,000 विवाह सहायता — पंजीकृत विवाह पर, दुल्हन 18+ और दूल्हा 21+, तथा दहेज-रहित घोषणा के साथ।",
      "benefit_amount_hi": "प्रति बेटी ₹5,000"
    },
    {
      "slug": "bihar-sc-st-medhavriti-yojana",
      "code": "SS-BR-EDU-006",
      "name": "Mukhyamantri SC/ST Medhavriti Yojana (Bihar)",
      "level": "state",
      "state": "Bihar",
      "ministry": "Bihar Education Department (Medhasoft portal)",
      "category": "education-learning",
      "audience": [
        "SC and ST students in Bihar"
      ],
      "summary": "One-time merit awards for SC and ST students who pass Matric (₹10,000 first division, ₹8,000 second) and for SC/ST girls who pass Intermediate (₹15,000 and ₹10,000), with no income limit.",
      "benefit_amount": "₹8,000–₹15,000 one-time",
      "launched": "Medhasoft merit incentive scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://medhasoft.bih.nic.in",
      "name_hi": "मुख्यमंत्री अनुसूचित जाति/जनजाति मेधावृत्ति योजना (बिहार)",
      "summary_hi": "मैट्रिक पास करने वाले एससी/एसटी विद्यार्थियों (प्रथम श्रेणी ₹10,000, द्वितीय ₹8,000) और इंटरमीडिएट पास करने वाली एससी/एसटी छात्राओं (₹15,000 और ₹10,000) को एकमुश्त मेधा पुरस्कार, आय सीमा नहीं।",
      "benefit_amount_hi": "₹8,000–₹15,000 एकमुश्त"
    },
    {
      "slug": "bihar-125-unit-free-electricity-yojana",
      "code": "SS-BR-UTL-001",
      "name": "Mukhya Mantri Vidyut Upbhokta Sahayata Yojana (Bihar 125 Free Units)",
      "level": "state",
      "state": "Bihar",
      "ministry": "Bihar Energy Department and Bihar State Power Holding Company Ltd (BSPHCL)",
      "category": "utility-sanitation",
      "audience": [
        "domestic electricity consumers in Bihar"
      ],
      "summary": "The first 125 units of electricity every month are free for all domestic consumers in Bihar, applied automatically to the bill since 1 August 2025 — no application or registration is needed.",
      "benefit_amount": "125 free units per month",
      "launched": "1 August 2025",
      "last_verified": "2026-10-08",
      "official_url": "https://www.bsphcl.co.in",
      "name_hi": "मुख्यमंत्री विद्युत उपभोक्ता सहायता योजना (बिहार, 125 यूनिट मुफ्त)",
      "summary_hi": "बिहार के सभी घरेलू उपभोक्ताओं को हर माह पहली 125 यूनिट बिजली मुफ्त, 1 अगस्त 2025 से बिल में अपने-आप लागू — किसी आवेदन या पंजीकरण की ज़रूरत नहीं।",
      "benefit_amount_hi": "हर माह 125 यूनिट मुफ्त"
    },
    {
      "slug": "bihar-laxmibai-samajik-suraksha-pension-yojana",
      "code": "SS-BR-SWE-004",
      "name": "Laxmibai Samajik Suraksha Pension Yojana (Bihar Widow Pension)",
      "level": "state",
      "state": "Bihar",
      "ministry": "Bihar Department of Social Welfare (SAKSHAM)",
      "category": "social-welfare-empowerment",
      "audience": [
        "widows aged 18+ in Bihar"
      ],
      "summary": "₹1,100 a month for widows aged 18 or above in Bihar whose annual family income is below ₹60,000, raised from ₹400 in July 2025 — with e-KYC needed to keep the payments going.",
      "benefit_amount": "₹1,100 per month",
      "launched": "State widow pension (₹1,100 since July 2025)",
      "last_verified": "2026-10-08",
      "official_url": "https://sspmis.bihar.gov.in",
      "name_hi": "लक्ष्मीबाई सामाजिक सुरक्षा पेंशन योजना (बिहार विधवा पेंशन)",
      "summary_hi": "बिहार की 18 वर्ष या अधिक आयु की विधवाओं को ₹1,100 प्रति माह, जिनकी वार्षिक पारिवारिक आय ₹60,000 से कम हो — जुलाई 2025 में ₹400 से बढ़ाई गई; भुगतान जारी रखने के लिए e-KYC ज़रूरी।",
      "benefit_amount_hi": "₹1,100 प्रति माह"
    },
    {
      "slug": "bihar-mukhyamantri-civil-seva-protsahan-yojana",
      "code": "SS-BR-EDU-007",
      "name": "Mukhyamantri Civil Seva Protsahan Yojana (Bihar)",
      "level": "state",
      "state": "Bihar",
      "ministry": "Bihar SC/ST Welfare, BC & EBC Welfare and Women & Child Development Departments",
      "category": "education-learning",
      "audience": [
        "SC, ST, EBC and women candidates from Bihar"
      ],
      "summary": "A one-time ₹50,000 for clearing the BPSC preliminary and ₹1 lakh for the UPSC preliminary, for SC, ST, EBC and women candidates from Bihar — each group applying through its own department.",
      "benefit_amount": "₹50,000 (BPSC prelims) / ₹1 lakh (UPSC prelims)",
      "launched": "Three department-run schemes",
      "last_verified": "2026-10-08",
      "official_url": "https://state.bihar.gov.in/scstwelfare/CitizenHome.html",
      "name_hi": "मुख्यमंत्री सिविल सेवा प्रोत्साहन योजना (बिहार)",
      "summary_hi": "बिहार के एससी, एसटी, ईबीसी और महिला अभ्यर्थियों को BPSC प्रारंभिक परीक्षा पास करने पर ₹50,000 और UPSC प्रारंभिक पास करने पर ₹1 लाख एकमुश्त — हर वर्ग अपने विभाग के माध्यम से आवेदन करता है।",
      "benefit_amount_hi": "₹50,000 (BPSC प्रारंभिक) / ₹1 लाख (UPSC प्रारंभिक)"
    },
    {
      "slug": "bihar-mukhyamantri-balika-poshak-yojana",
      "code": "SS-BR-EDU-008",
      "name": "Mukhyamantri Balika Poshak Yojana (Bihar)",
      "level": "state",
      "state": "Bihar",
      "ministry": "Bihar Education Department",
      "category": "education-learning",
      "audience": [
        "girl students in Classes 1-8 of Bihar government schools"
      ],
      "summary": "Uniform money paid straight into the accounts of girls in Classes 1 to 8 of Bihar's government schools — ₹600, ₹700 or ₹1,000 a year by class — with ₹1,047 crore sent to 93 lakh students in 2025-26.",
      "benefit_amount": "₹600–₹1,000 per year by class",
      "launched": "2008-09",
      "last_verified": "2026-10-08",
      "official_url": "https://state.bihar.gov.in",
      "name_hi": "मुख्यमंत्री बालिका पोशाक योजना (बिहार)",
      "summary_hi": "बिहार के सरकारी स्कूलों की कक्षा 1 से 8 की छात्राओं के खाते में सीधे पोशाक राशि — कक्षा के अनुसार ₹600, ₹700 या ₹1,000 प्रति वर्ष — 2025-26 में 93 लाख विद्यार्थियों को ₹1,047 करोड़।",
      "benefit_amount_hi": "कक्षा अनुसार ₹600–₹1,000 प्रति वर्ष"
    },
    {
      "slug": "mukhyamantri-kanya-vivah-nikah-yojana-mp",
      "code": "SS-MP-WMC-003",
      "name": "Mukhyamantri Kanya Vivah / Nikah Yojana (Madhya Pradesh)",
      "level": "state",
      "state": "Madhya Pradesh",
      "ministry": "Madhya Pradesh Social Justice & Disabled Welfare Department",
      "category": "women-child",
      "audience": [
        "poor, destitute, abandoned and widowed women in Madhya Pradesh"
      ],
      "summary": "₹49,000 to the bride plus ₹6,000 to the organising body (₹55,000 per case) at a government mass marriage or nikah ceremony in Madhya Pradesh, for girls, widows and abandoned women from poor families.",
      "benefit_amount": "₹49,000 to the bride (₹55,000 total provision)",
      "launched": "2006",
      "last_verified": "2026-10-08",
      "official_url": "https://socialjustice.mp.gov.in",
      "name_hi": "मुख्यमंत्री कन्या विवाह / निकाह योजना (मध्य प्रदेश)",
      "summary_hi": "मध्य प्रदेश में सरकारी सामूहिक विवाह या निकाह समारोह में वधू को ₹49,000 और आयोजक संस्था को ₹6,000 (कुल ₹55,000 प्रति मामला), गरीब परिवारों की कन्याओं, विधवाओं और परित्यक्ता महिलाओं के लिए।",
      "benefit_amount_hi": "वधू को ₹49,000 (कुल प्रावधान ₹55,000)"
    },
    {
      "slug": "mukhyamantri-teerth-darshan-yojana-mp",
      "code": "SS-MP-SWE-004",
      "name": "Mukhyamantri Teerth Darshan Yojana (Madhya Pradesh)",
      "level": "state",
      "state": "Madhya Pradesh",
      "ministry": "Madhya Pradesh Dharmasva (Religious Trusts & Endowments) Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "senior citizens aged 60+ (women 58+) in Madhya Pradesh"
      ],
      "summary": "A free once-in-a-lifetime pilgrimage outside the state for Madhya Pradesh senior citizens aged 60 or above (58 for women) who do not pay income tax, with an attendant allowed for those 65+ or highly disabled.",
      "benefit_amount": "Free pilgrimage trip (once in a lifetime)",
      "launched": "June 2012",
      "last_verified": "2026-10-08",
      "official_url": "https://dharmasva.mp.gov.in",
      "name_hi": "मुख्यमंत्री तीर्थ दर्शन योजना (मध्य प्रदेश)",
      "summary_hi": "मध्य प्रदेश के 60 वर्ष या अधिक (महिलाओं के लिए 58) आयु के वरिष्ठ नागरिकों को, जो आयकर दाता नहीं हैं, राज्य के बाहर जीवन में एक बार निःशुल्क तीर्थ यात्रा; 65+ या गंभीर दिव्यांगता पर साथी की अनुमति।",
      "benefit_amount_hi": "निःशुल्क तीर्थ यात्रा (जीवन में एक बार)"
    },
    {
      "slug": "gaon-ki-beti-yojana-mp",
      "code": "SS-MP-EDU-006",
      "name": "Gaon Ki Beti Yojana (Madhya Pradesh)",
      "level": "state",
      "state": "Madhya Pradesh",
      "ministry": "Madhya Pradesh Higher Education Department",
      "category": "education-learning",
      "audience": [
        "rural girl students with 60%+ in Class 12 in Madhya Pradesh"
      ],
      "summary": "₹500 a month for ten months (₹5,000 a year) for rural girls in Madhya Pradesh who scored 60% or more in Class 12 and are studying for an undergraduate degree, applied for on MP Scholarship Portal 2.0.",
      "benefit_amount": "₹500/month for 10 months (₹5,000/year)",
      "launched": "Higher Education Department scholarship",
      "last_verified": "2026-10-08",
      "official_url": "https://scholarshipportal.mp.gov.in",
      "name_hi": "गांव की बेटी योजना (मध्य प्रदेश)",
      "summary_hi": "मध्य प्रदेश की उन ग्रामीण छात्राओं को ₹500 प्रति माह, दस माह तक (₹5,000 प्रति वर्ष), जिन्होंने कक्षा 12 में 60% या अधिक अंक पाए और स्नातक में पढ़ रही हैं — एमपी स्कॉलरशिप पोर्टल 2.0 पर आवेदन।",
      "benefit_amount_hi": "₹500 प्रति माह, 10 माह (₹5,000 प्रति वर्ष)"
    },
    {
      "slug": "mukhyamantri-kalyani-vivah-sahayata-yojana-mp",
      "code": "SS-MP-WMC-004",
      "name": "Mukhyamantri Kalyani Vivah Sahayata Yojana (Madhya Pradesh)",
      "level": "state",
      "state": "Madhya Pradesh",
      "ministry": "Madhya Pradesh Social Justice & Disabled Welfare Department",
      "category": "women-child",
      "audience": [
        "widows remarrying in Madhya Pradesh"
      ],
      "summary": "₹2 lakh for a widow in Madhya Pradesh who remarries, paid into her bank account — with no income limit, but a ban on claiming the Kanya Vivah grant for the same marriage.",
      "benefit_amount": "₹2 lakh one-time",
      "launched": "1 April 2018",
      "last_verified": "2026-10-08",
      "official_url": "https://socialjustice.mp.gov.in",
      "name_hi": "मुख्यमंत्री कल्याणी विवाह सहायता योजना (मध्य प्रदेश)",
      "summary_hi": "मध्य प्रदेश में पुनर्विवाह करने वाली विधवा को ₹2 लाख, उसके बैंक खाते में — आय की कोई सीमा नहीं, पर उसी विवाह के लिए कन्या विवाह अनुदान का दावा वर्जित।",
      "benefit_amount_hi": "₹2 लाख एकमुश्त"
    },
    {
      "slug": "mukhyamantri-bal-ashirwad-yojana-mp",
      "code": "SS-MP-SWE-005",
      "name": "Mukhyamantri Bal Ashirwad Yojana (Madhya Pradesh)",
      "level": "state",
      "state": "Madhya Pradesh",
      "ministry": "Madhya Pradesh Women & Child Development Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "orphan children and care leavers in Madhya Pradesh"
      ],
      "summary": "₹4,000 a month for orphaned children under 18, and ₹5,000 a month up to age 24 for care leavers in higher education or vocational training, with free treatment through an Ayushman card.",
      "benefit_amount": "₹4,000/month (under 18); ₹5,000/month (up to age 24)",
      "launched": "September 2022",
      "last_verified": "2026-10-08",
      "official_url": "https://mp.gov.in",
      "name_hi": "मुख्यमंत्री बाल आशीर्वाद योजना (मध्य प्रदेश)",
      "summary_hi": "18 वर्ष से कम आयु के अनाथ बच्चों को ₹4,000 प्रति माह, और उच्च शिक्षा या व्यावसायिक प्रशिक्षण ले रहे केयर लीवर्स को 24 वर्ष की आयु तक ₹5,000 प्रति माह, साथ में आयुष्मान कार्ड से निःशुल्क इलाज।",
      "benefit_amount_hi": "₹4,000 प्रति माह (18 से कम); ₹5,000 प्रति माह (24 वर्ष तक)"
    },
    {
      "slug": "bhavantar-bhugtan-yojana-mp",
      "code": "SS-MP-AGR-004",
      "name": "Bhavantar Bhugtan Yojana (Madhya Pradesh Price Deficit Payment)",
      "level": "state",
      "state": "Madhya Pradesh",
      "ministry": "Madhya Pradesh Farmer Welfare & Agriculture Development Department",
      "category": "agriculture-rural-environment",
      "audience": [
        "soybean and other notified-crop farmers in Madhya Pradesh"
      ],
      "summary": "Pays Madhya Pradesh farmers the gap when their crop sells below MSP, on the e-Uparjan portal — registration for Kharif 2026 soybean is open from 3 to 17 October 2026.",
      "benefit_amount": "Price gap between MSP and sale price (capped at MSP minus modal price)",
      "launched": "16 October 2017",
      "last_verified": "2026-10-08",
      "official_url": "https://mpeuparjan.nic.in",
      "name_hi": "भावांतर भुगतान योजना (मध्य प्रदेश)",
      "summary_hi": "फसल MSP से नीचे बिकने पर मध्य प्रदेश के किसानों को अंतर की राशि, ई-उपार्जन पोर्टल पर — खरीफ 2026 सोयाबीन के लिए पंजीयन 3 से 17 अक्टूबर 2026 तक खुला है।",
      "benefit_amount_hi": "MSP और बिक्री भाव का अंतर (MSP घटा मॉडल भाव तक सीमित)"
    },
    {
      "slug": "shubh-shakti-yojana-rajasthan",
      "code": "SS-RJ-WMC-006",
      "name": "Shubh Shakti Yojana (Rajasthan)",
      "level": "state",
      "state": "Rajasthan",
      "ministry": "Rajasthan Labour Department (Building & Other Construction Workers Welfare Board)",
      "category": "women-child",
      "audience": [
        "unmarried adult daughters of registered construction workers in Rajasthan"
      ],
      "summary": "₹55,000 for the unmarried adult daughter of a registered Rajasthan construction worker (and for women beneficiaries) who has passed Class 8 — for up to two daughters per family.",
      "benefit_amount": "₹55,000 one-time",
      "launched": "1 January 2016",
      "last_verified": "2026-10-08",
      "official_url": "https://sso.rajasthan.gov.in",
      "name_hi": "शुभ शक्ति योजना (राजस्थान)",
      "summary_hi": "राजस्थान के पंजीकृत निर्माण श्रमिक की अविवाहित वयस्क पुत्री (और महिला हिताधिकारी) को, जिसने कक्षा 8 पास की हो, ₹55,000 — प्रति परिवार अधिकतम दो पुत्रियों के लिए।",
      "benefit_amount_hi": "₹55,000 एकमुश्त"
    },
    {
      "slug": "mukhyamantri-mangla-pashu-bima-yojana-rajasthan",
      "code": "SS-RJ-AGR-003",
      "name": "Mukhyamantri Mangla Pashu Bima Yojana (Rajasthan)",
      "level": "state",
      "state": "Rajasthan",
      "ministry": "Rajasthan Animal Husbandry Department",
      "category": "agriculture-rural-environment",
      "audience": [
        "livestock keepers in Rajasthan"
      ],
      "summary": "Free one-year insurance, with the premium paid by the state, for milch cows and buffaloes, camels, goats and sheep owned by Jan Aadhaar-holding families in Rajasthan — up to ₹40,000 per large animal.",
      "benefit_amount": "Free livestock insurance (up to ₹40,000 per cow, buffalo or camel)",
      "launched": "10 July 2025 (announced)",
      "last_verified": "2026-10-08",
      "official_url": "https://mmpby.rajasthan.gov.in",
      "name_hi": "मुख्यमंत्री मंगला पशु बीमा योजना (राजस्थान)",
      "summary_hi": "राजस्थान में जनआधार धारक परिवारों के दुधारू गाय-भैंस, ऊंट, बकरी और भेड़ का एक वर्ष का निःशुल्क बीमा, प्रीमियम राज्य सरकार देती है — बड़े पशु पर ₹40,000 तक।",
      "benefit_amount_hi": "निःशुल्क पशु बीमा (गाय, भैंस या ऊंट पर ₹40,000 तक)"
    },
    {
      "slug": "mukhyamantri-laghu-udyog-protsahan-yojana-rajasthan",
      "code": "SS-RJ-BIZ-001",
      "name": "Mukhyamantri Laghu Udyog Protsahan Yojana (Rajasthan)",
      "level": "state",
      "state": "Rajasthan",
      "ministry": "Rajasthan Commissionerate of Industries",
      "category": "business-entrepreneurship",
      "audience": [
        "MSMEs and new entrepreneurs in Rajasthan"
      ],
      "summary": "Five years of state-paid interest on bank loans for Rajasthan enterprises — 8% on loans up to ₹25 lakh, 6% up to ₹5 crore and 5% up to ₹10 crore — with no collateral needed up to ₹10 lakh.",
      "benefit_amount": "Interest subvention of 5%–8% for five years",
      "launched": "MLUPY",
      "last_verified": "2026-10-08",
      "official_url": "https://sso.rajasthan.gov.in",
      "name_hi": "मुख्यमंत्री लघु उद्योग प्रोत्साहन योजना (राजस्थान)",
      "summary_hi": "राजस्थान के उद्यमों को बैंक ऋण पर पांच वर्ष तक राज्य द्वारा ब्याज — ₹25 लाख तक के ऋण पर 8%, ₹5 करोड़ तक पर 6% और ₹10 करोड़ तक पर 5% — ₹10 लाख तक बिना गारंटी।",
      "benefit_amount_hi": "पांच वर्ष तक 5%–8% ब्याज अनुदान"
    },
    {
      "slug": "mukhyamantri-kanyadan-yojana-rajasthan",
      "code": "SS-RJ-WMC-007",
      "name": "Mukhyamantri Kanyadan Yojana (Rajasthan)",
      "level": "state",
      "state": "Rajasthan",
      "ministry": "Rajasthan Social Justice & Empowerment Department",
      "category": "women-child",
      "audience": [
        "daughters of eligible poor families in Rajasthan"
      ],
      "summary": "₹21,000 to ₹51,000 marriage assistance in Rajasthan, depending on the family's category and the bride's education — the highest slab for SC, ST and minority BPL families with a graduate bride.",
      "benefit_amount": "₹21,000–₹51,000 by category and education",
      "launched": "2022",
      "last_verified": "2026-10-08",
      "official_url": "https://sso.rajasthan.gov.in",
      "name_hi": "मुख्यमंत्री कन्यादान योजना (राजस्थान)",
      "summary_hi": "राजस्थान में विवाह पर ₹21,000 से ₹51,000 की सहायता, परिवार की श्रेणी और वधू की शिक्षा के अनुसार — स्नातक वधू वाले एससी, एसटी और अल्पसंख्यक बीपीएल परिवारों के लिए सबसे ऊंचा स्लैब।",
      "benefit_amount_hi": "श्रेणी और शिक्षा अनुसार ₹21,000–₹51,000"
    },
    {
      "slug": "shri-annapurna-rasoi-yojana-rajasthan",
      "code": "SS-RJ-SWE-002",
      "name": "Shri Annapurna Rasoi Yojana (Rajasthan)",
      "level": "state",
      "state": "Rajasthan",
      "ministry": "Rajasthan Local Self Government Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "anyone in Rajasthan"
      ],
      "summary": "A plate of food for ₹8 at Annapurna Rasoi kitchens across Rajasthan, open to everyone without registration — the renamed Indira Rasoi, with the state adding ₹22 for every plate served.",
      "benefit_amount": "Meal plate at ₹8",
      "launched": "Renamed 6 January 2024 (Indira Rasoi: 20 August 2020)",
      "last_verified": "2026-10-08",
      "official_url": "https://rajasthan.gov.in",
      "name_hi": "श्री अन्नपूर्णा रसोई योजना (राजस्थान)",
      "summary_hi": "राजस्थान भर की अन्नपूर्णा रसोई में ₹8 में भोजन की थाली, बिना पंजीकरण के सबके लिए — इंदिरा रसोई का नया नाम, हर थाली पर राज्य ₹22 जोड़ता है।",
      "benefit_amount_hi": "₹8 में भोजन की थाली"
    },
    {
      "slug": "bhoomihin-krishi-majdoor-kalyan-yojana-chhattisgarh",
      "code": "SS-CG-AGR-002",
      "name": "Deendayal Upadhyay Bhoomihin Krishi Majdoor Kalyan Yojana (Chhattisgarh)",
      "level": "state",
      "state": "Chhattisgarh",
      "ministry": "Chhattisgarh Revenue & Disaster Management Department",
      "category": "agriculture-rural-environment",
      "audience": [
        "landless agricultural labour families in Chhattisgarh"
      ],
      "summary": "₹10,000 a year, by direct transfer, for landless agricultural labourer families in Chhattisgarh — raised from ₹7,000 when the Rajiv Gandhi scheme was renamed, covering about 5.6 lakh families.",
      "benefit_amount": "₹10,000 per year",
      "launched": "2025 (earlier Rajiv Gandhi Gramin Bhoomihin Krishi Majdoor Nyay Yojana)",
      "last_verified": "2026-10-08",
      "official_url": "https://cg.gov.in",
      "name_hi": "दीनदयाल उपाध्याय भूमिहीन कृषि मजदूर कल्याण योजना (छत्तीसगढ़)",
      "summary_hi": "छत्तीसगढ़ के भूमिहीन कृषि मजदूर परिवारों को प्रति वर्ष ₹10,000 सीधे खाते में — राजीव गांधी योजना का नाम बदलने पर ₹7,000 से बढ़ाया गया, लगभग 5.6 लाख परिवारों को लाभ।",
      "benefit_amount_hi": "₹10,000 प्रति वर्ष"
    },
    {
      "slug": "mukhyamantri-haat-bazaar-clinic-yojana-chhattisgarh",
      "code": "SS-CG-HLT-002",
      "name": "Mukhyamantri Haat Bazaar Clinic Yojana (Chhattisgarh)",
      "level": "state",
      "state": "Chhattisgarh",
      "ministry": "Chhattisgarh Health & Family Welfare Department",
      "category": "health-wellness",
      "audience": [
        "rural and tribal residents of Chhattisgarh"
      ],
      "summary": "Free check-ups, tests and medicines from mobile medical teams at weekly haat bazaars in remote tribal and forest areas of Chhattisgarh, with no documents needed — running statewide since 2 October 2019.",
      "benefit_amount": "Free OPD, tests and medicines",
      "launched": "2 October 2019 (Bastar pilot 9 June 2019)",
      "last_verified": "2026-10-08",
      "official_url": "https://cghealth.nic.in",
      "name_hi": "मुख्यमंत्री हाट बाजार क्लिनिक योजना (छत्तीसगढ़)",
      "summary_hi": "छत्तीसगढ़ के दूरस्थ आदिवासी और वनांचल क्षेत्रों के साप्ताहिक हाट बाजारों में मोबाइल चिकित्सा दलों से निःशुल्क जांच, परीक्षण और दवाएं, किसी दस्तावेज़ के बिना — 2 अक्टूबर 2019 से पूरे राज्य में।",
      "benefit_amount_hi": "निःशुल्क OPD, जांच और दवाएं"
    },
    {
      "slug": "mukhyamantri-kanya-vivah-yojana-chhattisgarh",
      "code": "SS-CG-WMC-003",
      "name": "Mukhyamantri Kanya Vivah Yojana (Chhattisgarh)",
      "level": "state",
      "state": "Chhattisgarh",
      "ministry": "Chhattisgarh Women & Child Development Department",
      "category": "women-child",
      "audience": [
        "daughters of BPL and food-card families in Chhattisgarh"
      ],
      "summary": "₹35,000 plus household items per couple at government mass-marriage ceremonies in Chhattisgarh, for BPL and food-card families and for widows, orphans and destitute girls — up to two girls per family.",
      "benefit_amount": "₹35,000 per couple + household items",
      "launched": "2006",
      "last_verified": "2026-10-08",
      "official_url": "https://cg.gov.in",
      "name_hi": "मुख्यमंत्री कन्या विवाह योजना (छत्तीसगढ़)",
      "summary_hi": "छत्तीसगढ़ में सरकारी सामूहिक विवाह समारोहों में प्रति जोड़ा ₹35,000 और गृहस्थी का सामान, बीपीएल और खाद्यान्न कार्ड परिवारों तथा विधवा, अनाथ और निराश्रित कन्याओं के लिए — प्रति परिवार दो कन्याओं तक।",
      "benefit_amount_hi": "प्रति जोड़ा ₹35,000 + गृहस्थी का सामान"
    },
    {
      "slug": "mukhyamantri-baliraja-mofat-veej-yojana-maharashtra",
      "code": "SS-MH-AGR-005",
      "name": "Mukhyamantri Baliraja Mofat Veej Yojana (Maharashtra)",
      "level": "state",
      "state": "Maharashtra",
      "ministry": "Maharashtra Energy Department (Mahavitaran)",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers with agricultural pumps up to 7.5 HP in Maharashtra"
      ],
      "summary": "Free electricity for agricultural pumps up to 7.5 HP in Maharashtra from April 2024 to March 2029, with zero-amount bills for about 44 lakh farmers — the state pays the whole farm-power bill.",
      "benefit_amount": "Free power for pumps up to 7.5 HP",
      "launched": "April 2024 (in force to March 2029)",
      "last_verified": "2026-10-08",
      "official_url": "https://energy.maharashtra.gov.in",
      "name_hi": "मुख्यमंत्री बळीराजा मोफत वीज योजना (महाराष्ट्र)",
      "summary_hi": "महाराष्ट्र में 7.5 HP तक के कृषि पंपों के लिए अप्रैल 2024 से मार्च 2029 तक निःशुल्क बिजली, लगभग 44 लाख किसानों को शून्य राशि के बिल — पूरा कृषि बिजली बिल राज्य भरता है।",
      "benefit_amount_hi": "7.5 HP तक के पंप के लिए निःशुल्क बिजली"
    },
    {
      "slug": "modi-awas-gharkul-yojana-maharashtra",
      "code": "SS-MH-HSG-003",
      "name": "Modi Awas Gharkul Yojana (Maharashtra)",
      "level": "state",
      "state": "Maharashtra",
      "ministry": "Maharashtra Other Backward Class Welfare Department",
      "category": "housing-shelter",
      "audience": [
        "OBC, SBC, NT and DNT families in Maharashtra without a pucca house"
      ],
      "summary": "₹1.2 lakh to build a house for homeless or kutcha-house OBC, SBC, nomadic and denotified-tribe families in rural Maharashtra, plus MGNREGA wages and a toilet grant — a ten-lakh-house, state-funded drive.",
      "benefit_amount": "₹1.20 lakh + MGNREGA wages + ₹12,000 toilet grant",
      "launched": "2023-24",
      "last_verified": "2026-10-08",
      "official_url": "https://maharashtra.gov.in",
      "name_hi": "मोदी आवास घरकुल योजना (महाराष्ट्र)",
      "summary_hi": "ग्रामीण महाराष्ट्र में बेघर या कच्चे घर वाले ओबीसी, एसबीसी, घुमंतू और विमुक्त जनजाति परिवारों को घर बनाने के लिए ₹1.2 लाख, साथ में मनरेगा मजदूरी और शौचालय अनुदान — दस लाख घरों का राज्य-वित्तपोषित अभियान।",
      "benefit_amount_hi": "₹1.20 लाख + मनरेगा मजदूरी + ₹12,000 शौचालय अनुदान"
    },
    {
      "slug": "shabari-awas-yojana-maharashtra",
      "code": "SS-MH-HSG-004",
      "name": "Shabari Awas Yojana — Adivasi Gharkul (Maharashtra)",
      "level": "state",
      "state": "Maharashtra",
      "ministry": "Maharashtra Tribal Development Department",
      "category": "housing-shelter",
      "audience": [
        "Scheduled Tribe families in Maharashtra without a pucca house"
      ],
      "summary": "₹1.2 lakh (₹1.3 lakh in hilly or Naxal-affected areas) to build a house for homeless or kutcha-house Scheduled Tribe families in rural Maharashtra, plus MGNREGA wages and a toilet grant.",
      "benefit_amount": "₹1.20 lakh (₹1.30 lakh hilly areas) + extras",
      "launched": "2013 (scheme period to July 2029)",
      "last_verified": "2026-10-08",
      "official_url": "https://tribal.maharashtra.gov.in",
      "name_hi": "शबरी आवास योजना — आदिवासी घरकुल (महाराष्ट्र)",
      "summary_hi": "ग्रामीण महाराष्ट्र में बेघर या कच्चे घर वाले अनुसूचित जनजाति परिवारों को घर बनाने के लिए ₹1.2 लाख (पहाड़ी या नक्सल प्रभावित क्षेत्रों में ₹1.3 लाख), साथ में मनरेगा मजदूरी और शौचालय अनुदान।",
      "benefit_amount_hi": "₹1.20 लाख (पहाड़ी क्षेत्रों में ₹1.30 लाख) + अन्य सहायता"
    },
    {
      "slug": "mukhyamantri-teerth-darshan-yojana-maharashtra",
      "code": "SS-MH-SWE-003",
      "name": "Mukhyamantri Teerth Darshan Yojana (Maharashtra)",
      "level": "state",
      "state": "Maharashtra",
      "ministry": "Maharashtra Social Justice & Special Assistance Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "senior citizens aged 60+ in Maharashtra"
      ],
      "summary": "A free once-in-a-lifetime pilgrimage for Maharashtra senior citizens aged 60 or above with family income up to ₹2.5 lakh — the state spends up to ₹30,000 per person on travel, food and stay.",
      "benefit_amount": "Free pilgrimage, up to ₹30,000 per person",
      "launched": "2024",
      "last_verified": "2026-10-08",
      "official_url": "https://socialwelfare.maharashtra.gov.in",
      "name_hi": "मुख्यमंत्री तीर्थ दर्शन योजना (महाराष्ट्र)",
      "summary_hi": "महाराष्ट्र के 60 वर्ष या अधिक आयु के, ₹2.5 लाख तक पारिवारिक आय वाले वरिष्ठ नागरिकों को जीवन में एक बार निःशुल्क तीर्थ यात्रा — राज्य यात्रा, भोजन और ठहरने पर प्रति व्यक्ति ₹30,000 तक खर्च करता है।",
      "benefit_amount_hi": "निःशुल्क तीर्थ यात्रा, प्रति व्यक्ति ₹30,000 तक"
    },
    {
      "slug": "ganga-swaroopa-punah-lagna-arthik-sahay-yojana-gujarat",
      "code": "SS-GJ-WMC-004",
      "name": "Ganga Swaroopa Punah Lagna Arthik Sahay Yojana (Gujarat)",
      "level": "state",
      "state": "Gujarat",
      "ministry": "Gujarat Department of Women & Child Development",
      "category": "women-child",
      "audience": [
        "widow pension beneficiaries who remarry in Gujarat"
      ],
      "summary": "₹50,000 for a Gujarat widow-pension beneficiary aged 18 to 50 who remarries — ₹25,000 by direct transfer and ₹25,000 in National Savings Certificates, claimed within six months of the marriage.",
      "benefit_amount": "₹50,000 (₹25,000 DBT + ₹25,000 NSC)",
      "launched": "Gujarat WCD scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://wcd.gujarat.gov.in",
      "name_hi": "गंगा स्वरूपा पुनर्विवाह आर्थिक सहाय योजना (गुजरात)",
      "summary_hi": "गुजरात में विधवा पेंशन पाने वाली 18 से 50 वर्ष की उस महिला को ₹50,000, जो पुनर्विवाह करे — ₹25,000 सीधे हस्तांतरण से और ₹25,000 राष्ट्रीय बचत प्रमाणपत्र में, विवाह के छह माह के भीतर दावा।",
      "benefit_amount_hi": "₹50,000 (₹25,000 DBT + ₹25,000 बचत प्रमाणपत्र)"
    },
    {
      "slug": "sant-surdas-yojana-gujarat",
      "code": "SS-GJ-SWE-002",
      "name": "Sant Surdas Yojana (Gujarat)",
      "level": "state",
      "state": "Gujarat",
      "ministry": "Gujarat Social Justice & Empowerment Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "children aged 0-17 with 80%+ disability in Gujarat"
      ],
      "summary": "₹1,000 a month for children aged 0 to 17 in Gujarat with a disability of 80% or more, paid by direct transfer until they turn 18 — a children's scheme, not a general adult disability pension.",
      "benefit_amount": "₹1,000 per month",
      "launched": "Gujarat Social Justice scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://sje.gujarat.gov.in",
      "name_hi": "संत सूरदास योजना (गुजरात)",
      "summary_hi": "गुजरात के 0 से 17 वर्ष के 80% या अधिक दिव्यांगता वाले बच्चों को ₹1,000 प्रति माह, 18 वर्ष के होने तक सीधे हस्तांतरण से — यह बच्चों की योजना है, वयस्कों की सामान्य दिव्यांग पेंशन नहीं।",
      "benefit_amount_hi": "₹1,000 प्रति माह"
    },
    {
      "slug": "saraswati-sadhana-yojana-gujarat",
      "code": "SS-GJ-EDU-007",
      "name": "Saraswati Sadhana Yojana — Free Bicycle (Gujarat)",
      "level": "state",
      "state": "Gujarat",
      "ministry": "Gujarat Social Justice & Empowerment Department (Scheduled Caste Welfare)",
      "category": "education-learning",
      "audience": [
        "SC and Developing Caste girls in Class 9 in Gujarat"
      ],
      "summary": "A free bicycle, through a voucher, for Class 9 girls from Scheduled Caste and Developing Caste families in Gujarat — no application, the school sends the list; family income up to ₹1.2 lakh rural or ₹1.5 lakh urban.",
      "benefit_amount": "Free bicycle (voucher)",
      "launched": "2019",
      "last_verified": "2026-10-08",
      "official_url": "https://sje.gujarat.gov.in",
      "name_hi": "सरस्वती साधना योजना — निःशुल्क साइकिल (गुजरात)",
      "summary_hi": "गुजरात में अनुसूचित जाति और विकासशील जाति परिवारों की कक्षा 9 की छात्राओं को वाउचर के ज़रिए निःशुल्क साइकिल — आवेदन नहीं, स्कूल सूची भेजता है; पारिवारिक आय ग्रामीण ₹1.2 लाख या शहरी ₹1.5 लाख तक।",
      "benefit_amount_hi": "निःशुल्क साइकिल (वाउचर)"
    },
    {
      "slug": "niradhar-vruddh-sahay-yojana-gujarat",
      "code": "SS-GJ-SWE-003",
      "name": "Niradhar Vruddh Sahay Yojana (Gujarat Old-Age Pension)",
      "level": "state",
      "state": "Gujarat",
      "ministry": "Gujarat Social Justice & Empowerment Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "destitute senior citizens aged 60+ in Gujarat"
      ],
      "summary": "₹1,000 a month for Gujarat senior citizens aged 60 to 79 and ₹1,250 for those 80 and above, for destitute elderly with no son aged 21 or over and family income within the state's limits.",
      "benefit_amount": "₹1,000/month (60–79); ₹1,250/month (80+)",
      "launched": "State old-age pension scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://esamajkalyan.gujarat.gov.in",
      "name_hi": "निराधार वृद्ध सहाय योजना (गुजरात वृद्धावस्था पेंशन)",
      "summary_hi": "गुजरात के 60 से 79 वर्ष के वरिष्ठ नागरिकों को ₹1,000 और 80 वर्ष या अधिक को ₹1,250 प्रति माह, ऐसे निराधार बुजुर्गों के लिए जिनका 21 वर्ष या अधिक आयु का कोई पुत्र न हो और पारिवारिक आय राज्य की सीमा में हो।",
      "benefit_amount_hi": "₹1,000/माह (60–79); ₹1,250/माह (80+)"
    },
    {
      "slug": "shramik-annapurna-yojana-gujarat",
      "code": "SS-GJ-SWE-004",
      "name": "Shramik Annapurna Yojana (Gujarat ₹5 Meal for Workers)",
      "level": "state",
      "state": "Gujarat",
      "ministry": "Gujarat Building & Other Construction Workers Welfare Board",
      "category": "social-welfare-empowerment",
      "audience": [
        "registered construction workers and their families in Gujarat"
      ],
      "summary": "A cooked meal for ₹5 for registered construction workers and their families at Annapurna Bhojan Kendras and construction sites across Gujarat, using the e-Nirman card — the state adds about ₹37 for every meal.",
      "benefit_amount": "Meal at ₹5",
      "launched": "2017 (re-initiated October 2022)",
      "last_verified": "2026-10-08",
      "official_url": "https://bocwwb.gujarat.gov.in",
      "name_hi": "श्रमिक अन्नपूर्णा योजना (गुजरात, श्रमिकों को ₹5 में भोजन)",
      "summary_hi": "गुजरात भर के अन्नपूर्णा भोजन केंद्रों और निर्माण स्थलों पर पंजीकृत निर्माण श्रमिकों और उनके परिवारों को ई-निर्माण कार्ड से ₹5 में पका भोजन — राज्य हर भोजन पर लगभग ₹37 जोड़ता है।",
      "benefit_amount_hi": "₹5 में भोजन"
    },
    {
      "slug": "shramik-basera-yojana-gujarat",
      "code": "SS-GJ-HSG-002",
      "name": "Shramik Basera Yojana (Gujarat Worker Housing)",
      "level": "state",
      "state": "Gujarat",
      "ministry": "Gujarat Building & Other Construction Workers Welfare Board",
      "category": "housing-shelter",
      "audience": [
        "registered construction workers and their families in Gujarat"
      ],
      "summary": "Rented temporary housing for registered construction workers and their families in Gujarat at ₹5 a day, with children aged six or below staying free — launched on 18 July 2024, with sites in Ahmedabad, Gandhinagar, Rajkot and Vadodara.",
      "benefit_amount": "Housing at ₹5 per day per person",
      "launched": "18 July 2024",
      "last_verified": "2026-10-08",
      "official_url": "https://enirmanbocw.gujarat.gov.in",
      "name_hi": "श्रमिक बसेरा योजना (गुजरात, श्रमिक आवास)",
      "summary_hi": "गुजरात में पंजीकृत निर्माण श्रमिकों और उनके परिवारों के लिए ₹5 प्रतिदिन पर किराए का अस्थायी आवास, छह वर्ष या कम आयु के बच्चे निःशुल्क — 18 जुलाई 2024 को शुरू, अहमदाबाद, गांधीनगर, राजकोट और वडोदरा में स्थल।",
      "benefit_amount_hi": "₹5 प्रतिदिन प्रति व्यक्ति पर आवास"
    },
    {
      "slug": "meri-rasoi-yojana-punjab",
      "code": "SS-PB-SWE-002",
      "name": "Meri Rasoi Yojana (Punjab Free Food Kit)",
      "level": "state",
      "state": "Punjab",
      "ministry": "Punjab Department of Food, Civil Supplies & Consumer Affairs (Markfed)",
      "category": "social-welfare-empowerment",
      "audience": [
        "NFSA blue-ration-card families in Punjab"
      ],
      "summary": "A free food kit every quarter — 2 kg dal, 2 kg sugar, 1 kg salt, turmeric and a litre of mustard oil — for about 40 lakh NFSA blue-card families in Punjab, added to their ₹2-a-kilo wheat; no application needed.",
      "benefit_amount": "Free quarterly kit (dal, sugar, salt, turmeric, mustard oil)",
      "launched": "April 2026 (formal launch 9 May 2026)",
      "last_verified": "2026-10-08",
      "official_url": "https://foodsuppb.gov.in",
      "name_hi": "मेरी रसोई योजना (पंजाब, निःशुल्क खाद्य किट)",
      "summary_hi": "पंजाब के लगभग 40 लाख NFSA नीले राशन कार्ड परिवारों को हर तिमाही निःशुल्क खाद्य किट — 2 किलो दाल, 2 किलो चीनी, 1 किलो नमक, हल्दी और एक लीटर सरसों का तेल — ₹2 किलो गेहूं के अतिरिक्त; आवेदन की ज़रूरत नहीं।",
      "benefit_amount_hi": "निःशुल्क तिमाही किट (दाल, चीनी, नमक, हल्दी, सरसों तेल)"
    },
    {
      "slug": "dayanand-social-security-scheme-goa",
      "code": "SS-GA-SWE-001",
      "name": "Dayanand Social Security Scheme (Goa)",
      "level": "state",
      "state": "Goa",
      "ministry": "Goa Directorate of Social Welfare",
      "category": "social-welfare-empowerment",
      "audience": [
        "senior citizens, single women, widows, disabled persons and HIV/AIDS patients in Goa"
      ],
      "summary": "Goa's main social pension since 2002: ₹2,000 a month for senior citizens, single women, disabled adults and HIV/AIDS patients, ₹2,500 for widows and ₹3,500 for 90%+ disability — with a 15-year residence rule.",
      "benefit_amount": "₹2,000–₹3,500 per month by category",
      "launched": "2002",
      "last_verified": "2026-10-08",
      "official_url": "https://socialwelfare.goa.gov.in",
      "name_hi": "दयानंद सामाजिक सुरक्षा योजना (गोवा)",
      "summary_hi": "2002 से गोवा की मुख्य सामाजिक पेंशन: वरिष्ठ नागरिकों, एकल महिलाओं, दिव्यांग वयस्कों और HIV/एड्स रोगियों को ₹2,000 प्रति माह, विधवाओं को ₹2,500 और 90%+ दिव्यांगता पर ₹3,500 — 15 वर्ष के निवास की शर्त के साथ।",
      "benefit_amount_hi": "श्रेणी अनुसार ₹2,000–₹3,500 प्रति माह"
    },
    {
      "slug": "laadli-laxmi-scheme-goa",
      "code": "SS-GA-WMC-003",
      "name": "Laadli Laxmi Scheme (Goa)",
      "level": "state",
      "state": "Goa",
      "ministry": "Goa Directorate of Women & Child Development",
      "category": "women-child",
      "audience": [
        "girls in Goa from families with income up to ₹3 lakh"
      ],
      "summary": "₹1 lakh for a girl in Goa — as a fixed deposit for higher education or business, or in cash at marriage — for families with parental income up to ₹3 lakh, running since 6 July 2012.",
      "benefit_amount": "₹1 lakh",
      "launched": "6 July 2012 (modified January 2026)",
      "last_verified": "2026-10-08",
      "official_url": "https://www.goa.gov.in",
      "name_hi": "लाडली लक्ष्मी योजना (गोवा)",
      "summary_hi": "गोवा की बालिका के लिए ₹1 लाख — उच्च शिक्षा या व्यवसाय के लिए सावधि जमा के रूप में, या विवाह पर नकद — माता-पिता की आय ₹3 लाख तक वाले परिवारों के लिए, 6 जुलाई 2012 से चालू।",
      "benefit_amount_hi": "₹1 लाख"
    },
    {
      "slug": "mukhyamantri-dev-darshan-yatra-yojana-goa",
      "code": "SS-GA-SWE-002",
      "name": "Mukhyamantri Dev Darshan Yatra Yojana (Goa)",
      "level": "state",
      "state": "Goa",
      "ministry": "Goa Directorate of Social Welfare",
      "category": "social-welfare-empowerment",
      "audience": [
        "senior citizens aged 50-70 in Goa"
      ],
      "summary": "One free pilgrimage in a lifetime for Goa residents aged 50 to 70, with one attendant also free of cost — group trips of 750 or more, such as Velankanni and Ayodhya, organised since 7 November 2022.",
      "benefit_amount": "Free pilgrimage, once in a lifetime",
      "launched": "7 November 2022",
      "last_verified": "2026-10-08",
      "official_url": "https://socialwelfare.goa.gov.in",
      "name_hi": "मुख्यमंत्री देव दर्शन यात्रा योजना (गोवा)",
      "summary_hi": "गोवा के 50 से 70 वर्ष के निवासियों को जीवन में एक बार निःशुल्क तीर्थ यात्रा, एक साथी भी निःशुल्क — 750 या अधिक के समूह में वेलंकन्नी और अयोध्या जैसी यात्राएं, 7 नवंबर 2022 से आयोजित।",
      "benefit_amount_hi": "निःशुल्क तीर्थ यात्रा, जीवन में एक बार"
    },
    {
      "slug": "ksheera-bhagya-yojana-karnataka",
      "code": "SS-KA-EDU-004",
      "name": "Ksheera Bhagya Yojana (Karnataka Free School Milk)",
      "level": "state",
      "state": "Karnataka",
      "ministry": "Karnataka Department of School Education & Literacy and Women & Child Development (with KMF)",
      "category": "education-learning",
      "audience": [
        "government and aided school students (Classes 1-10) and anganwadi children in Karnataka"
      ],
      "summary": "Free 150 ml of milk five days a week for children in Classes 1 to 10 of Karnataka's government and aided schools and in anganwadis — about 64 lakh school children and 40 lakh anganwadi children, supplied through KMF since 2013.",
      "benefit_amount": "Free 150 ml milk, five days a week",
      "launched": "1 August 2013",
      "last_verified": "2026-10-08",
      "official_url": "https://www.kmfnandini.coop/en/portfolio/ksheerabhagaya",
      "name_hi": "क्षीर भाग्य योजना (कर्नाटक निःशुल्क स्कूल दूध)",
      "summary_hi": "कर्नाटक के सरकारी और सहायता प्राप्त स्कूलों की कक्षा 1 से 10 और आंगनवाड़ी के बच्चों को सप्ताह में पांच दिन 150 मिलीलीटर निःशुल्क दूध — लगभग 64 लाख स्कूली और 40 लाख आंगनवाड़ी बच्चे, 2013 से KMF के माध्यम से।",
      "benefit_amount_hi": "सप्ताह में पांच दिन 150 मिली निःशुल्क दूध"
    },
    {
      "slug": "ksheeradhare-milk-incentive-karnataka",
      "code": "SS-KA-AGR-003",
      "name": "Ksheeradhare Milk Producers' Incentive (Karnataka)",
      "level": "state",
      "state": "Karnataka",
      "ministry": "Karnataka Department of Animal Husbandry and Karnataka Milk Federation (KMF)",
      "category": "agriculture-rural-environment",
      "audience": [
        "dairy farmers supplying milk to KMF cooperative societies in Karnataka"
      ],
      "summary": "An incentive of ₹5 for every litre of milk a Karnataka dairy farmer supplies to a KMF cooperative society, paid by direct transfer — introduced in 2008 at ₹2 and raised to ₹5 from November 2016.",
      "benefit_amount": "₹5 per litre of milk supplied",
      "launched": "8 September 2008",
      "last_verified": "2026-10-08",
      "official_url": "https://www.kmfnandini.coop/en/portfolio/ksheeradhare",
      "name_hi": "क्षीरधारे दूध उत्पादक प्रोत्साहन (कर्नाटक)",
      "summary_hi": "कर्नाटक के डेयरी किसान द्वारा KMF सहकारी समिति को दिए हर लीटर दूध पर ₹5 का प्रोत्साहन, सीधे हस्तांतरण से — 2008 में ₹2 से शुरू होकर नवंबर 2016 से ₹5।",
      "benefit_amount_hi": "आपूर्ति किए हर लीटर दूध पर ₹5"
    },
    {
      "slug": "swavalambi-sarathi-karnataka",
      "code": "SS-KA-BIZ-001",
      "name": "Swavalambi Sarathi Scheme — Vehicle Subsidy (Karnataka)",
      "level": "state",
      "state": "Karnataka",
      "ministry": "Karnataka Minorities, SC/ST and Backward Classes Development Corporations",
      "category": "business-entrepreneurship",
      "audience": [
        "SC, ST, OBC and minority applicants buying a commercial vehicle in Karnataka"
      ],
      "summary": "A subsidy to buy a taxi, goods vehicle or passenger autorickshaw for self-employment in Karnataka — 75% up to ₹4 lakh for SC/ST and 50% up to ₹3 lakh for OBC and minority applicants, once a bank loan is sanctioned.",
      "benefit_amount": "75% up to ₹4 lakh (SC/ST); 50% up to ₹3 lakh (OBC/minority)",
      "launched": "State self-employment scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://kmdc.karnataka.gov.in",
      "name_hi": "स्वावलंबी सारथी योजना — वाहन सब्सिडी (कर्नाटक)",
      "summary_hi": "कर्नाटक में स्वरोज़गार के लिए टैक्सी, माल वाहन या यात्री ऑटोरिक्शा खरीदने पर सब्सिडी — एससी/एसटी को ₹4 लाख तक 75% और ओबीसी तथा अल्पसंख्यक को ₹3 लाख तक 50%, बैंक ऋण मंज़ूर होने पर।",
      "benefit_amount_hi": "75% (₹4 लाख तक, एससी/एसटी); 50% (₹3 लाख तक, ओबीसी/अल्पसंख्यक)"
    },
    {
      "slug": "kaushalya-karnataka-yojane",
      "code": "SS-KA-SKL-003",
      "name": "Chief Minister's Kaushalya Karnataka Yojane (CMKKY)",
      "level": "state",
      "state": "Karnataka",
      "ministry": "Karnataka Skill Development, Entrepreneurship & Livelihood Department (KSDC)",
      "category": "skills-employment",
      "audience": [
        "unemployed youth aged 18-35 in Karnataka"
      ],
      "summary": "Free, placement-linked short-term skill training for unemployed youth aged 18 to 35 in Karnataka, delivered through registered training providers under the Skill Development Department, with preference to Yuva Nidhi beneficiaries.",
      "benefit_amount": "Free short-term skill training with certification",
      "launched": "State flagship skilling scheme (2.0 current)",
      "last_verified": "2026-10-08",
      "official_url": "https://kaushalkar.karnataka.gov.in",
      "name_hi": "मुख्यमंत्री कौशल्य कर्नाटक योजने (CMKKY)",
      "summary_hi": "कर्नाटक के 18 से 35 वर्ष के बेरोज़गार युवाओं के लिए निःशुल्क, प्लेसमेंट से जुड़ा अल्पकालिक कौशल प्रशिक्षण, कौशल विकास विभाग के अंतर्गत पंजीकृत प्रशिक्षण प्रदाताओं द्वारा, युवा निधि लाभार्थियों को प्राथमिकता।",
      "benefit_amount_hi": "प्रमाणन सहित निःशुल्क अल्पकालिक कौशल प्रशिक्षण"
    },
    {
      "slug": "anna-canteens-andhra-pradesh",
      "code": "SS-AP-SWE-004",
      "name": "Anna Canteens (Andhra Pradesh ₹5 Meals)",
      "level": "state",
      "state": "Andhra Pradesh",
      "ministry": "Andhra Pradesh Municipal Administration & Urban Development Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "anyone in urban and town areas of Andhra Pradesh"
      ],
      "summary": "Breakfast, lunch and dinner for ₹5 each at Anna Canteens in Andhra Pradesh, open to everyone with no registration — relaunched on 15 August 2024 with 205 urban canteens and about 70 more planned for villages in 2026.",
      "benefit_amount": "Meals at ₹5 each",
      "launched": "Relaunched 15 August 2024",
      "last_verified": "2026-10-08",
      "official_url": "https://ap.gov.in",
      "name_hi": "अन्ना कैंटीन (आंध्र प्रदेश ₹5 भोजन)",
      "summary_hi": "आंध्र प्रदेश की अन्ना कैंटीनों में नाश्ता, दोपहर और रात का भोजन ₹5 प्रति में, बिना पंजीकरण के सबके लिए — 15 अगस्त 2024 को 205 शहरी कैंटीनों के साथ दोबारा शुरू, 2026 में गांवों के लिए लगभग 70 और योजनाबद्ध।",
      "benefit_amount_hi": "₹5 प्रति भोजन"
    },
    {
      "slug": "sarvepalli-radhakrishnan-vidyarthi-mitra-kit-ap",
      "code": "SS-AP-EDU-005",
      "name": "Sarvepalli Radhakrishnan Vidyarthi Mitra Kit (Andhra Pradesh)",
      "level": "state",
      "state": "Andhra Pradesh",
      "ministry": "Andhra Pradesh School Education Department (Samagra Shiksha)",
      "category": "education-learning",
      "audience": [
        "Class 1-10 students in government and aided schools in Andhra Pradesh"
      ],
      "summary": "A free school kit — three sets of uniform cloth, shoes, socks, belt, bag, textbooks and notebooks — for about 36 lakh students in Classes 1 to 10 of Andhra Pradesh's government and aided schools, the renamed Jagananna Vidya Kanuka.",
      "benefit_amount": "Free school kit worth about ₹950 crore in total",
      "launched": "2025-26",
      "last_verified": "2026-10-08",
      "official_url": "https://apschooledu.in",
      "name_hi": "सर्वेपल्ली राधाकृष्णन विद्यार्थी मित्र किट (आंध्र प्रदेश)",
      "summary_hi": "आंध्र प्रदेश के सरकारी और सहायता प्राप्त स्कूलों की कक्षा 1 से 10 के लगभग 36 लाख विद्यार्थियों को निःशुल्क स्कूल किट — तीन जोड़ी वर्दी का कपड़ा, जूते, मोज़े, बेल्ट, बैग, पाठ्यपुस्तकें और कॉपियां — जगन्नाथ विद्या कानुका का नया नाम।",
      "benefit_amount_hi": "निःशुल्क स्कूल किट, कुल लगभग ₹950 करोड़"
    },
    {
      "slug": "p4-zero-poverty-bangaru-kutumbam-ap",
      "code": "SS-AP-SWE-005",
      "name": "Zero Poverty P4 — Margadarsi & Bangaru Kutumbam (Andhra Pradesh)",
      "level": "state",
      "state": "Andhra Pradesh",
      "ministry": "Andhra Pradesh Planning Department (Swarna Andhra P4 Foundation)",
      "category": "social-welfare-empowerment",
      "audience": [
        "poor families identified by survey, and donors, in Andhra Pradesh"
      ],
      "summary": "A public-private-people partnership launched on 30 March 2025 in which affluent volunteers (Margadarsi) adopt poor families (Bangaru Kutumbam) found by a state survey — about 19 lakh families are registered; the programme itself pays no government cash.",
      "benefit_amount": "Adoption, mentoring and support by a donor (no government cash)",
      "launched": "30 March 2025",
      "last_verified": "2026-10-08",
      "official_url": "https://ap.gov.in",
      "name_hi": "ज़ीरो पॉवर्टी P4 — मार्गदर्शी और बंगारु कुटुंबम (आंध्र प्रदेश)",
      "summary_hi": "30 मार्च 2025 को शुरू सार्वजनिक-निजी-जन भागीदारी, जिसमें संपन्न स्वयंसेवक (मार्गदर्शी) राज्य सर्वेक्षण से पहचाने गरीब परिवारों (बंगारु कुटुंबम) को गोद लेते हैं — लगभग 19 लाख परिवार पंजीकृत; कार्यक्रम स्वयं कोई सरकारी नकद नहीं देता।",
      "benefit_amount_hi": "दानदाता द्वारा गोद लेना, मार्गदर्शन और सहयोग (सरकारी नकद नहीं)"
    },
    {
      "slug": "free-sand-policy-andhra-pradesh",
      "code": "SS-AP-HSG-002",
      "name": "AP Free Sand Policy (Andhra Pradesh)",
      "level": "state",
      "state": "Andhra Pradesh",
      "ministry": "Andhra Pradesh Mines & Geology Department (APMDC)",
      "category": "housing-shelter",
      "audience": [
        "people building houses and small constructions in Andhra Pradesh"
      ],
      "summary": "Sand itself is free in Andhra Pradesh since 8 July 2024 — buyers pay only loading, transport and related operational charges set district by district, booking on the AP Sand portal for construction up to 2,000 sq ft.",
      "benefit_amount": "Free sand (pay only loading, seigniorage and transport charges)",
      "launched": "8 July 2024",
      "last_verified": "2026-10-08",
      "official_url": "https://sand.ap.gov.in",
      "name_hi": "एपी निःशुल्क रेत नीति (आंध्र प्रदेश)",
      "summary_hi": "आंध्र प्रदेश में 8 जुलाई 2024 से रेत स्वयं निःशुल्क है — खरीदार केवल लोडिंग, परिवहन और संबंधित परिचालन शुल्क देते हैं, जो ज़िले-वार तय होते हैं; 2,000 वर्ग फुट तक निर्माण के लिए एपी सैंड पोर्टल पर बुकिंग।",
      "benefit_amount_hi": "निःशुल्क रेत (केवल लोडिंग, रॉयल्टी और परिवहन शुल्क)"
    },
    {
      "slug": "pravasandhra-bharosa-bima-ap",
      "code": "SS-AP-FIN-001",
      "name": "Pravasandhra Bharosa Bima (Andhra Pradesh NRI Insurance)",
      "level": "state",
      "state": "Andhra Pradesh",
      "ministry": "Andhra Pradesh Non-Resident Telugu Society (APNRTS)",
      "category": "banking-financial-insurance",
      "audience": [
        "Telugu workers and students from Andhra Pradesh living abroad"
      ],
      "summary": "₹10 lakh accident cover for Andhra Pradesh workers and students abroad for a fee of just ₹550 for three years (employees) or ₹180 a year (students), with ₹1 lakh medical cover and an air ticket home in an emergency.",
      "benefit_amount": "₹10 lakh accidental death/disability cover; ₹1 lakh medical",
      "launched": "2025",
      "last_verified": "2026-10-08",
      "official_url": "https://apnrts.ap.gov.in/insurance",
      "name_hi": "प्रवासांध्र भरोसा बीमा (आंध्र प्रदेश प्रवासी बीमा)",
      "summary_hi": "विदेश में रह रहे आंध्र प्रदेश के कामगारों और विद्यार्थियों के लिए ₹10 लाख का दुर्घटना बीमा, केवल ₹550 (तीन वर्ष, कामगार) या ₹180 प्रति वर्ष (विद्यार्थी) शुल्क पर, ₹1 लाख चिकित्सा कवर और आपात स्थिति में घर का हवाई टिकट।",
      "benefit_amount_hi": "₹10 लाख दुर्घटना मृत्यु/दिव्यांगता कवर; ₹1 लाख चिकित्सा"
    },
    {
      "slug": "free-power-supply-andhra-pradesh",
      "code": "SS-AP-UTL-002",
      "name": "AP Free Power Supply — SC/ST Households, Farmers & Weavers",
      "level": "state",
      "state": "Andhra Pradesh",
      "ministry": "Andhra Pradesh Energy Department and DISCOMs (APSPDCL, APEPDCL, APCPDCL)",
      "category": "utility-sanitation",
      "audience": [
        "SC/ST households, farmers with pump sets and weavers in Andhra Pradesh"
      ],
      "summary": "Andhra Pradesh's free-power concessions: free daytime power for farm pumps (9 hours), free domestic power for SC/ST households, and from 1 April 2026 up to 200 free units a month for handloom weavers and 500 for power looms.",
      "benefit_amount": "Free farm power (9 hrs); SC/ST households; weavers 200–500 units/month",
      "launched": "Weavers' scheme from 1 April 2026",
      "last_verified": "2026-10-08",
      "official_url": "https://www.apspdcl.in",
      "name_hi": "एपी निःशुल्क बिजली आपूर्ति — एससी/एसटी परिवार, किसान और बुनकर",
      "summary_hi": "आंध्र प्रदेश की निःशुल्क बिजली रियायतें: कृषि पंपों के लिए 9 घंटे दिन की निःशुल्क बिजली, एससी/एसटी परिवारों को निःशुल्क घरेलू बिजली, और 1 अप्रैल 2026 से हथकरघा बुनकरों को माह में 200 और पावरलूम को 500 यूनिट तक निःशुल्क।",
      "benefit_amount_hi": "कृषि बिजली 9 घंटे निःशुल्क; एससी/एसटी परिवार; बुनकर 200–500 यूनिट/माह"
    },
    {
      "slug": "young-india-integrated-residential-schools-telangana",
      "code": "SS-TG-EDU-004",
      "name": "Young India Integrated Residential Schools (Telangana)",
      "level": "state",
      "state": "Telangana",
      "ministry": "Telangana Government (School Education and residential education societies)",
      "category": "education-learning",
      "audience": [
        "students from SC, ST, BC and minority communities in Telangana"
      ],
      "summary": "Telangana is building 105 integrated English-medium residential schools — one per Assembly constituency — to bring SC, ST, BC and minority students under one roof; 86 campuses are under construction, with a ₹21,000 crore programme.",
      "benefit_amount": "Free integrated residential schooling (campuses under construction)",
      "launched": "October 2024",
      "last_verified": "2026-10-08",
      "official_url": "https://www.telangana.gov.in",
      "name_hi": "यंग इंडिया इंटीग्रेटेड रेज़िडेंशियल स्कूल (तेलंगाना)",
      "summary_hi": "तेलंगाना 105 एकीकृत अंग्रेज़ी-माध्यम आवासीय स्कूल — हर विधानसभा क्षेत्र में एक — बना रहा है, जिनमें एससी, एसटी, बीसी और अल्पसंख्यक विद्यार्थी एक छत के नीचे पढ़ेंगे; 86 परिसरों का निर्माण जारी, ₹21,000 करोड़ का कार्यक्रम।",
      "benefit_amount_hi": "निःशुल्क एकीकृत आवासीय शिक्षा (परिसर निर्माणाधीन)"
    },
    {
      "slug": "rythu-runa-mafi-telangana",
      "code": "SS-TG-AGR-005",
      "name": "Rythu Runa Mafi — Crop Loan Waiver (Telangana)",
      "level": "state",
      "state": "Telangana",
      "ministry": "Telangana Department of Agriculture & Cooperation",
      "category": "agriculture-rural-environment",
      "audience": [
        "Telangana farmers with crop loans taken 2018-2023"
      ],
      "summary": "A one-time waiver of crop loans up to ₹2 lakh per family taken between 12 December 2018 and 9 December 2023, rolled out in phases from 18 July 2024 — about ₹21,000 crore for over 25 lakh farmers; no fresh enrolment, but a grievance route remains.",
      "benefit_amount": "Crop loan waiver up to ₹2 lakh per family",
      "launched": "18 July 2024",
      "last_verified": "2026-10-08",
      "official_url": "https://clw.telangana.gov.in",
      "name_hi": "रायतु रुण माफी — फसल ऋण माफी (तेलंगाना)",
      "summary_hi": "12 दिसंबर 2018 से 9 दिसंबर 2023 के बीच लिए गए फसल ऋण पर प्रति परिवार ₹2 लाख तक की एकमुश्त माफी, 18 जुलाई 2024 से चरणों में लागू — 25 लाख से अधिक किसानों को लगभग ₹21,000 करोड़; नया नामांकन नहीं, पर शिकायत मार्ग बाकी है।",
      "benefit_amount_hi": "प्रति परिवार ₹2 लाख तक फसल ऋण माफी"
    },
    {
      "slug": "sanna-biyyam-telangana",
      "code": "SS-TG-SWE-003",
      "name": "Sanna Biyyam — Free Fine Rice (Telangana)",
      "level": "state",
      "state": "Telangana",
      "ministry": "Telangana Civil Supplies Department (Civil Supplies Corporation)",
      "category": "social-welfare-empowerment",
      "audience": [
        "ration-card families in Telangana"
      ],
      "summary": "Six kilograms of free fine rice per person per month through ration shops for ration-card families in Telangana — launched on 30 March 2025, covering about 3 crore people, and collectable at any ration shop in the state.",
      "benefit_amount": "6 kg free fine rice per person per month",
      "launched": "30 March 2025",
      "last_verified": "2026-10-08",
      "official_url": "https://www.civilsupplies.telangana.gov.in",
      "name_hi": "सन्ना बियम — निःशुल्क बारीक चावल (तेलंगाना)",
      "summary_hi": "तेलंगाना के राशन कार्ड परिवारों को राशन दुकानों से प्रति व्यक्ति प्रति माह 6 किलो निःशुल्क बारीक चावल — 30 मार्च 2025 से शुरू, लगभग 3 करोड़ लोगों को, राज्य की किसी भी राशन दुकान से लिया जा सकता है।",
      "benefit_amount_hi": "प्रति व्यक्ति प्रति माह 6 किलो निःशुल्क बारीक चावल"
    },
    {
      "slug": "ambedkar-overseas-vidya-nidhi-telangana",
      "code": "SS-TG-EDU-005",
      "name": "Ambedkar Overseas Vidya Nidhi (Telangana)",
      "level": "state",
      "state": "Telangana",
      "ministry": "Telangana Scheduled Castes Development and Tribal Welfare Departments (ePASS)",
      "category": "education-learning",
      "audience": [
        "SC and ST students from Telangana going abroad for Master's or PhD"
      ],
      "summary": "Up to ₹20 lakh (or the amount in the admission letter, if lower) plus a one-way ticket and visa charges for Telangana SC and ST students going abroad for a Master's or PhD, with family income below ₹5 lakh and one child per family.",
      "benefit_amount": "Up to ₹20 lakh + ticket and visa charges",
      "launched": "State overseas scholarship (rolling intakes)",
      "last_verified": "2026-10-08",
      "official_url": "https://telanganaepass.cgg.gov.in",
      "name_hi": "अंबेडकर ओवरसीज़ विद्या निधि (तेलंगाना)",
      "summary_hi": "विदेश में मास्टर्स या पीएचडी के लिए जाने वाले तेलंगाना के एससी और एसटी विद्यार्थियों को ₹20 लाख तक (या प्रवेश पत्र की राशि, यदि कम हो) के साथ एकतरफा टिकट और वीज़ा शुल्क, पारिवारिक आय ₹5 लाख से कम और प्रति परिवार एक बच्चा।",
      "benefit_amount_hi": "₹20 लाख तक + टिकट और वीज़ा शुल्क"
    },
    {
      "slug": "thai-maaman-thanga-mothiram-tn",
      "code": "SS-TN-WMC-003",
      "name": "Thai Maaman Thanga Mothiram Thittam (Tamil Nadu Gold Ring for Newborns)",
      "level": "state",
      "state": "Tamil Nadu",
      "ministry": "Tamil Nadu Health & Family Welfare Department",
      "category": "women-child",
      "audience": [
        "newborns delivered in Tamil Nadu government hospitals and their mothers"
      ],
      "summary": "A one-gram, 22-carat gold ring for every baby born in a Tamil Nadu government hospital or primary health centre to a permanent-resident mother — launched on 28 September 2026 and covering births from 22 June 2026, handed over at discharge.",
      "benefit_amount": "One-gram 22-carat gold ring per newborn",
      "launched": "28 September 2026 (births from 22 June 2026)",
      "last_verified": "2026-10-08",
      "official_url": "https://www.tn.gov.in",
      "name_hi": "थाई मामन थंगा मोतिरम योजना (तमिलनाडु नवजात को सोने की अंगूठी)",
      "summary_hi": "तमिलनाडु के सरकारी अस्पताल या प्राथमिक स्वास्थ्य केंद्र में स्थायी निवासी मां से जन्मे हर शिशु को एक ग्राम की 22 कैरेट सोने की अंगूठी — 28 सितंबर 2026 को शुरू, 22 जून 2026 से जन्मों पर लागू, छुट्टी के समय दी जाती है।",
      "benefit_amount_hi": "प्रति नवजात एक ग्राम की 22 कैरेट सोने की अंगूठी"
    },
    {
      "slug": "pongal-gift-scheme-tn",
      "code": "SS-TN-SWE-001",
      "name": "Tamil Nadu Pongal Gift Scheme",
      "level": "state",
      "state": "Tamil Nadu",
      "ministry": "Tamil Nadu Cooperation, Food & Consumer Protection Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "rice ration card families in Tamil Nadu"
      ],
      "summary": "An annual festival gift for rice ration-card families in Tamil Nadu, handed out at ration shops before Pongal — in January 2026 it was ₹3,000 plus rice, sugar and sugarcane for 2.22 crore families; each year's cash amount is decided by the government of the day.",
      "benefit_amount": "Annual cash + hamper (₹3,000 in January 2026)",
      "launched": "Annual since the 2000s",
      "last_verified": "2026-10-08",
      "official_url": "https://www.tn.gov.in",
      "name_hi": "तमिलनाडु पोंगल उपहार योजना",
      "summary_hi": "तमिलनाडु के चावल राशन कार्ड परिवारों के लिए वार्षिक त्योहार उपहार, पोंगल से पहले राशन दुकानों पर बांटा जाता है — जनवरी 2026 में 2.22 करोड़ परिवारों को ₹3,000 और चावल, चीनी व गन्ना; हर साल की नकद राशि सरकार तय करती है।",
      "benefit_amount_hi": "वार्षिक नकद + उपहार किट (जनवरी 2026 में ₹3,000)"
    },
    {
      "slug": "cm-uzhavar-pathukappu-thittam-tn",
      "code": "SS-TN-AGR-002",
      "name": "Chief Minister's Uzhavar Pathukappu Thittam (Tamil Nadu Farmers' Security Scheme)",
      "level": "state",
      "state": "Tamil Nadu",
      "ministry": "Tamil Nadu Revenue Department (Commissionerate of Land Reforms)",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers and agricultural labourers enrolled in Tamil Nadu"
      ],
      "summary": "Social security for enrolled Tamil Nadu farmers and agricultural labourers and their dependants — marriage, old-age pension, accident and natural-death relief, funeral costs and education help — through a membership card issued via the VAO and tahsildar.",
      "benefit_amount": "Marriage, pension, accident (₹1 lakh) and death relief",
      "launched": "2011",
      "last_verified": "2026-10-08",
      "official_url": "https://www.landreforms.tn.gov.in",
      "name_hi": "मुख्यमंत्री उझवर पाधुकाप्पु थित्तम (तमिलनाडु किसान सुरक्षा योजना)",
      "summary_hi": "तमिलनाडु के पंजीकृत किसानों, कृषि श्रमिकों और उनके आश्रितों के लिए सामाजिक सुरक्षा — विवाह, वृद्धावस्था पेंशन, दुर्घटना और सामान्य मृत्यु राहत, अंतिम संस्कार खर्च और शिक्षा सहायता — VAO और तहसीलदार से जारी सदस्यता कार्ड के माध्यम से।",
      "benefit_amount_hi": "विवाह, पेंशन, दुर्घटना (₹1 लाख) और मृत्यु राहत"
    },
    {
      "slug": "cm-girl-child-protection-scheme-tn",
      "code": "SS-TN-WMC-004",
      "name": "Chief Minister's Girl Child Protection Scheme (Tamil Nadu)",
      "level": "state",
      "state": "Tamil Nadu",
      "ministry": "Tamil Nadu Social Welfare & Women Empowerment Department",
      "category": "women-child",
      "audience": [
        "families with one or two girl children in Tamil Nadu"
      ],
      "summary": "A fixed deposit of ₹50,000 for a family with one daughter, or ₹25,000 each for two daughters, maturing at 18 to ₹3,00,232 or ₹1,50,117 each — with a ₹1,800 yearly incentive from year six; apply before the girl turns 3.",
      "benefit_amount": "₹50,000 FD (one girl) / ₹25,000 each (two girls)",
      "launched": "1992 (current form from 2011)",
      "last_verified": "2026-10-08",
      "official_url": "https://www.tnsocialwelfare.tn.gov.in",
      "name_hi": "मुख्यमंत्री बालिका संरक्षण योजना (तमिलनाडु)",
      "summary_hi": "एक बेटी वाले परिवार के लिए ₹50,000 या दो बेटियों वाले परिवार के लिए प्रत्येक ₹25,000 की सावधि जमा, जो 18 वर्ष पर ₹3,00,232 या प्रत्येक ₹1,50,117 बनती है — छठे वर्ष से ₹1,800 का वार्षिक प्रोत्साहन; बच्ची के 3 वर्ष की होने से पहले आवेदन करें।",
      "benefit_amount_hi": "₹50,000 सावधि जमा (एक बेटी) / प्रत्येक ₹25,000 (दो बेटियां)"
    },
    {
      "slug": "old-age-pension-tamil-nadu",
      "code": "SS-TN-SWE-002",
      "name": "Tamil Nadu Old Age Pension (Chief Minister's Old Age Pension)",
      "level": "state",
      "state": "Tamil Nadu",
      "ministry": "Tamil Nadu Revenue Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "destitute senior citizens aged 60+ in Tamil Nadu"
      ],
      "summary": "₹1,200 a month for destitute senior citizens aged 60 and above in Tamil Nadu — raised from ₹1,000 in August 2023, paid by direct transfer to about 35 lakh pensioners; the ₹3,000 promised by the new government has not yet been notified.",
      "benefit_amount": "₹1,200 per month",
      "launched": "State OAP (₹1,200 from August 2023)",
      "last_verified": "2026-10-08",
      "official_url": "https://www.tn.gov.in",
      "name_hi": "तमिलनाडु वृद्धावस्था पेंशन (मुख्यमंत्री वृद्धावस्था पेंशन)",
      "summary_hi": "तमिलनाडु में 60 वर्ष या अधिक आयु के निराश्रित वरिष्ठ नागरिकों को ₹1,200 प्रति माह — अगस्त 2023 में ₹1,000 से बढ़ाई गई, लगभग 35 लाख पेंशनधारकों को सीधे हस्तांतरण से; नई सरकार का वादा किया ₹3,000 अभी अधिसूचित नहीं।",
      "benefit_amount_hi": "₹1,200 प्रति माह"
    },
    {
      "slug": "marriage-assistance-evr-maniammaiyar-annai-theresa-tn",
      "code": "SS-TN-WMC-005",
      "name": "Tamil Nadu Marriage Assistance — EVR Maniammaiyar & Annai Theresa Schemes",
      "level": "state",
      "state": "Tamil Nadu",
      "ministry": "Tamil Nadu Social Welfare & Women Empowerment Department",
      "category": "women-child",
      "audience": [
        "daughters of poor widows and orphan girls getting married in Tamil Nadu"
      ],
      "summary": "₹25,000 (₹50,000 for degree or diploma holders) plus an 8-gram gold coin for the marriage of a poor widow's daughter or an orphan girl in Tamil Nadu — the two older marriage schemes still listed by the Social Welfare Department.",
      "benefit_amount": "₹25,000–₹50,000 + 8 g gold coin",
      "launched": "Legacy marriage schemes",
      "last_verified": "2026-10-08",
      "official_url": "https://www.tnsocialwelfare.tn.gov.in",
      "name_hi": "तमिलनाडु विवाह सहायता — ईवीआर मणियम्मैयार और अन्नै थेरेसा योजनाएं",
      "summary_hi": "तमिलनाडु में गरीब विधवा की बेटी या अनाथ कन्या के विवाह पर ₹25,000 (डिग्री या डिप्लोमाधारक के लिए ₹50,000) और 8 ग्राम सोने का सिक्का — समाज कल्याण विभाग की सूची में अब भी शामिल दो पुरानी विवाह योजनाएं।",
      "benefit_amount_hi": "₹25,000–₹50,000 + 8 ग्राम सोने का सिक्का"
    },
    {
      "slug": "mangalya-scheme-kerala",
      "code": "SS-KL-WMC-003",
      "name": "Mangalya Scheme — Widow Remarriage Assistance (Kerala)",
      "level": "state",
      "state": "Kerala",
      "ministry": "Kerala Women & Child Development Department (with Social Justice Department)",
      "category": "women-child",
      "audience": [
        "widows and divorced women aged 18-50 remarrying in Kerala"
      ],
      "summary": "₹25,000 one-time assistance for a widowed or legally divorced woman aged 18 to 50 who remarries in Kerala, for women in the BPL or priority category, applied for through the Child Development Project Officer with a registered remarriage certificate.",
      "benefit_amount": "₹25,000 one-time",
      "launched": "Kerala state scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://wcd.kerala.gov.in",
      "name_hi": "मंगल्य योजना — विधवा पुनर्विवाह सहायता (केरल)",
      "summary_hi": "केरल में पुनर्विवाह करने वाली 18 से 50 वर्ष की विधवा या कानूनी रूप से तलाकशुदा महिला को ₹25,000 की एकमुश्त सहायता, बीपीएल या प्राथमिकता श्रेणी की महिलाओं के लिए, पंजीकृत पुनर्विवाह प्रमाण पत्र के साथ बाल विकास परियोजना अधिकारी के माध्यम से आवेदन।",
      "benefit_amount_hi": "₹25,000 एकमुश्त"
    },
    {
      "slug": "vidyajyothi-scheme-kerala",
      "code": "SS-KL-EDU-003",
      "name": "Vidyajyothi Scheme (Kerala Aid for Students with Disabilities)",
      "level": "state",
      "state": "Kerala",
      "ministry": "Kerala Social Justice Department",
      "category": "education-learning",
      "audience": [
        "students with disabilities in Class 9 to postgraduate courses in Kerala"
      ],
      "summary": "Cash help for uniforms and study materials for students with disabilities in Kerala — from ₹1,000 and ₹1,500 in Classes 9–10 to ₹3,000 for degree and postgraduate students — for family income up to ₹1 lakh, with limited seats chosen district by district.",
      "benefit_amount": "₹1,000–₹3,000 for study materials; uniform allowance for school classes",
      "launched": "August 2020",
      "last_verified": "2026-10-08",
      "official_url": "https://sjd.kerala.gov.in",
      "name_hi": "विद्याज्योति योजना (केरल दिव्यांग विद्यार्थी सहायता)",
      "summary_hi": "केरल में दिव्यांग विद्यार्थियों को वर्दी और अध्ययन सामग्री के लिए नकद सहायता — कक्षा 9–10 में ₹1,000 और ₹1,500 से लेकर डिग्री और स्नातकोत्तर के लिए ₹3,000 तक — ₹1 लाख तक पारिवारिक आय के लिए, ज़िला-वार सीमित सीटों पर चयन।",
      "benefit_amount_hi": "अध्ययन सामग्री के लिए ₹1,000–₹3,000; स्कूली कक्षाओं के लिए वर्दी भत्ता"
    },
    {
      "slug": "asraya-destitute-free-kerala",
      "code": "SS-KL-SWE-004",
      "name": "Asraya — Destitute Free Kerala (Kudumbashree)",
      "level": "state",
      "state": "Kerala",
      "ministry": "Kerala Kudumbashree Mission with Local Self Government Institutions",
      "category": "social-welfare-empowerment",
      "audience": [
        "destitute families identified by their local body in Kerala"
      ],
      "summary": "A Kudumbashree programme in which neighbourhood groups identify destitute families and the panchayat prepares a tailored plan for each — a monthly food kit, housing, health care and pension linkage. There is no application: the local body identifies the family.",
      "benefit_amount": "Food kit, housing, health care and pension linkage per family plan",
      "launched": "2003 (relaunched 2017 as Destitute Free Kerala)",
      "last_verified": "2026-10-08",
      "official_url": "https://www.kudumbashree.org",
      "name_hi": "आश्रय — निराश्रित मुक्त केरल (कुदुम्बश्री)",
      "summary_hi": "कुदुम्बश्री का कार्यक्रम जिसमें पड़ोस समूह निराश्रित परिवारों की पहचान करते हैं और पंचायत हर परिवार के लिए अनुकूल योजना बनाती है — मासिक खाद्य किट, आवास, स्वास्थ्य सेवा और पेंशन से जोड़ना। कोई आवेदन नहीं: स्थानीय निकाय परिवार की पहचान करता है।",
      "benefit_amount_hi": "परिवार योजना अनुसार खाद्य किट, आवास, स्वास्थ्य सेवा और पेंशन से जुड़ाव"
    },
    {
      "slug": "puducherry-free-rice-scheme",
      "code": "SS-PY-SWE-002",
      "name": "Puducherry Free Rice & Sugar Scheme (Ration Shops)",
      "level": "state",
      "state": "Puducherry",
      "ministry": "Puducherry Department of Civil Supplies & Consumer Affairs",
      "category": "social-welfare-empowerment",
      "audience": [
        "ration-card families in Puducherry"
      ],
      "summary": "Free rice and sugar for ration-card families in Puducherry through fair price shops — in October 2024 ration shops reopened after years of cash transfers and gave 10 kg rice and 2 kg sugar free; confirm current quantities at your shop.",
      "benefit_amount": "Free rice and sugar (10 kg rice + 2 kg sugar in October 2024)",
      "launched": "Resumed 2024-25",
      "last_verified": "2026-10-08",
      "official_url": "https://py.gov.in",
      "name_hi": "पुदुचेरी निःशुल्क चावल और चीनी योजना (राशन दुकानें)",
      "summary_hi": "पुदुचेरी में राशन कार्ड परिवारों को उचित मूल्य की दुकानों से निःशुल्क चावल और चीनी — अक्टूबर 2024 में वर्षों के नकद हस्तांतरण के बाद राशन दुकानें फिर खुलीं और 10 किलो चावल व 2 किलो चीनी निःशुल्क दी गई; वर्तमान मात्रा अपनी दुकान पर पुष्ट करें।",
      "benefit_amount_hi": "निःशुल्क चावल और चीनी (अक्टूबर 2024 में 10 किलो चावल + 2 किलो चीनी)"
    },
    {
      "slug": "puducherry-marriage-allowance-scheme",
      "code": "SS-PY-WMC-002",
      "name": "Puducherry Marriage Allowance — Poor Brides & Destitute Widows' Daughters",
      "level": "state",
      "state": "Puducherry",
      "ministry": "Puducherry Department of Women & Child Development",
      "category": "women-child",
      "audience": [
        "poor brides and daughters of destitute widows in Puducherry"
      ],
      "summary": "₹15,000 for the marriage of a poor bride living below the poverty line and ₹20,000 for the daughter of a destitute widow in Puducherry — for one daughter per family, with 2026 beneficiary lists published by the Women & Child Development Department.",
      "benefit_amount": "₹15,000 (poor bride) / ₹20,000 (destitute widow's daughter)",
      "launched": "Puducherry WCD marriage allowances",
      "last_verified": "2026-10-08",
      "official_url": "https://wcd.py.gov.in",
      "name_hi": "पुदुचेरी विवाह भत्ता — गरीब वधू और निराश्रित विधवाओं की बेटियां",
      "summary_hi": "पुदुचेरी में गरीबी रेखा से नीचे की गरीब वधू के विवाह पर ₹15,000 और निराश्रित विधवा की बेटी के विवाह पर ₹20,000 — प्रति परिवार एक बेटी के लिए, महिला एवं बाल विकास विभाग ने 2026 की लाभार्थी सूचियां प्रकाशित की हैं।",
      "benefit_amount_hi": "₹15,000 (गरीब वधू) / ₹20,000 (निराश्रित विधवा की बेटी)"
    },
    {
      "slug": "puducherry-girl-child-assistance-scheme",
      "code": "SS-PY-WMC-003",
      "name": "Puducherry Girl Child Schemes — ₹25,000 Deposit & Family-Planning Incentive",
      "level": "state",
      "state": "Puducherry",
      "ministry": "Puducherry Department of Women & Child Development",
      "category": "women-child",
      "audience": [
        "poor parents with one or two girl children in Puducherry"
      ],
      "summary": "Two deposit schemes for girls in Puducherry: ₹25,000 as a National Savings Certificate for poor parents of one girl studying in Classes 8 to 10, and ₹20,000 (or ₹10,000 each for two girls) for families where a parent has undergone family planning — paid out at age 18.",
      "benefit_amount": "₹25,000 NSC (one girl, Classes 8–10); ₹20,000 / ₹10,000 each incentive",
      "launched": "Puducherry WCD girl-child schemes",
      "last_verified": "2026-10-08",
      "official_url": "https://wcd.py.gov.in",
      "name_hi": "पुदुचेरी बालिका योजनाएं — ₹25,000 जमा और परिवार नियोजन प्रोत्साहन",
      "summary_hi": "पुदुचेरी में बालिकाओं के लिए दो जमा योजनाएं: कक्षा 8 से 10 में पढ़ रही एक बेटी वाले गरीब माता-पिता के लिए राष्ट्रीय बचत प्रमाणपत्र के रूप में ₹25,000, और ऐसे परिवारों के लिए ₹20,000 (या दो बेटियों पर प्रत्येक ₹10,000) जहां माता या पिता ने परिवार नियोजन अपनाया — 18 वर्ष पर भुगतान।",
      "benefit_amount_hi": "₹25,000 NSC (एक बेटी, कक्षा 8–10); ₹20,000 / प्रत्येक ₹10,000 प्रोत्साहन"
    },
    {
      "slug": "taposili-bandhu-jai-johar-wb",
      "code": "SS-WB-SWE-003",
      "name": "Taposili Bandhu & Jai Johar — SC/ST Old Age Pension (West Bengal)",
      "level": "state",
      "state": "West Bengal",
      "ministry": "West Bengal Backward Classes Welfare Department and Tribal Development Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "SC and ST senior citizens aged 60+ in West Bengal"
      ],
      "summary": "A monthly pension for Scheduled Caste (Taposili Bandhu) and Scheduled Tribe (Jai Johar) senior citizens aged 60 and above in West Bengal, listed at ₹1,000; the new government raised the general social-welfare pensions to ₹1,500 from 1 August 2026.",
      "benefit_amount": "₹1,000 per month listed (general pensions ₹1,500 from 1 Aug 2026)",
      "launched": "Jai Bangla pension family",
      "last_verified": "2026-10-08",
      "official_url": "https://socialsecurity.wb.gov.in",
      "name_hi": "तपशिली बंधु और जय जोहार — एससी/एसटी वृद्धावस्था पेंशन (पश्चिम बंगाल)",
      "summary_hi": "पश्चिम बंगाल में 60 वर्ष और अधिक आयु के अनुसूचित जाति (तपशिली बंधु) और अनुसूचित जनजाति (जय जोहार) वरिष्ठ नागरिकों के लिए मासिक पेंशन, ₹1,000 सूचीबद्ध; नई सरकार ने 1 अगस्त 2026 से सामान्य सामाजिक कल्याण पेंशन ₹1,500 कर दी।",
      "benefit_amount_hi": "₹1,000 प्रति माह सूचीबद्ध (सामान्य पेंशन 1 अगस्त 2026 से ₹1,500)"
    },
    {
      "slug": "shikshashree-medhashree-scholarship-wb",
      "code": "SS-WB-EDU-006",
      "name": "Shikshashree & Medhashree Scholarships (West Bengal Classes 5-8)",
      "level": "state",
      "state": "West Bengal",
      "ministry": "West Bengal Backward Classes Welfare Department and Tribal Development Department",
      "category": "education-learning",
      "audience": [
        "SC, ST and OBC students in Classes 5 to 8 in West Bengal"
      ],
      "summary": "Annual scholarships of ₹750–₹800 for SC and ST day scholars (Shikshashree) and OBC students (Medhashree) in Classes 5 to 8 of West Bengal's government and aided schools, family income up to ₹2.5 lakh; 2026-27 applications opened on 1 June 2026.",
      "benefit_amount": "₹750–₹800 per year",
      "launched": "Pre-matric scholarships",
      "last_verified": "2026-10-08",
      "official_url": "https://shikshamedha.in",
      "name_hi": "शिक्षाश्री और मेधाश्री छात्रवृत्तियां (पश्चिम बंगाल कक्षा 5-8)",
      "summary_hi": "पश्चिम बंगाल के सरकारी और सहायता प्राप्त स्कूलों की कक्षा 5 से 8 के एससी और एसटी डे स्कॉलर (शिक्षाश्री) और ओबीसी विद्यार्थियों (मेधाश्री) के लिए ₹750–₹800 की वार्षिक छात्रवृत्ति, पारिवारिक आय ₹2.5 लाख तक; 2026-27 के आवेदन 1 जून 2026 को खुले।",
      "benefit_amount_hi": "₹750–₹800 प्रति वर्ष"
    },
    {
      "slug": "khadya-sathi-west-bengal",
      "code": "SS-WB-SWE-004",
      "name": "Khadya Sathi (West Bengal Free Ration Scheme)",
      "level": "state",
      "state": "West Bengal",
      "ministry": "West Bengal Food & Supplies Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "ration-card families in West Bengal"
      ],
      "summary": "West Bengal's state food security scheme: free rice and wheat through ration shops by card type, including 5 kg of rice per person on RKSY-I cards — continued by the new government, which is also running a drive to remove ineligible and ghost cards.",
      "benefit_amount": "Free grains by card type (RKSY-I: 5 kg rice per person)",
      "launched": "27 January 2016",
      "last_verified": "2026-10-08",
      "official_url": "https://food.wb.gov.in",
      "name_hi": "खाद्य साथी (पश्चिम बंगाल निःशुल्क राशन योजना)",
      "summary_hi": "पश्चिम बंगाल की राज्य खाद्य सुरक्षा योजना: कार्ड के प्रकार के अनुसार राशन दुकानों से निःशुल्क चावल और गेहूं, RKSY-I कार्ड पर प्रति व्यक्ति 5 किलो चावल सहित — नई सरकार ने इसे जारी रखा है, जो अपात्र और फर्जी कार्ड हटाने का अभियान भी चला रही है।",
      "benefit_amount_hi": "कार्ड प्रकार के अनुसार निःशुल्क अनाज (RKSY-I: प्रति व्यक्ति 5 किलो चावल)"
    },
    {
      "slug": "paschim-banga-awas-wb",
      "code": "SS-WB-HSG-001",
      "name": "Paschim Banga Awas (formerly Banglar Bari Gramin, West Bengal)",
      "level": "state",
      "state": "West Bengal",
      "ministry": "West Bengal Panchayat & Rural Development Department",
      "category": "housing-shelter",
      "audience": [
        "rural homeless families in West Bengal"
      ],
      "summary": "West Bengal's rural housing grant of ₹1.2 lakh in two ₹60,000 instalments, renamed Paschim Banga Awas on 6 August 2026 from Banglar Bari — ₹60,000 second instalments went to 10.2 lakh families while the beneficiary list is re-verified through e-KYC.",
      "benefit_amount": "₹1.2 lakh in two instalments of ₹60,000",
      "launched": "2024 (renamed 6 August 2026)",
      "last_verified": "2026-10-08",
      "official_url": "https://wbprd.gov.in",
      "name_hi": "पश्चिम बंगा आवास (पूर्व बांग्लार बाड़ी ग्रामीण, पश्चिम बंगाल)",
      "summary_hi": "पश्चिम बंगाल का ग्रामीण आवास अनुदान ₹60,000 की दो किस्तों में ₹1.2 लाख, 6 अगस्त 2026 को बांग्लार बाड़ी से बदलकर पश्चिम बंगा आवास नाम — 10.2 लाख परिवारों को ₹60,000 की दूसरी किस्त मिली जबकि लाभार्थी सूची का e-KYC से पुनः सत्यापन हो रहा है।",
      "benefit_amount_hi": "₹60,000 की दो किस्तों में ₹1.2 लाख"
    },
    {
      "slug": "utkarsh-bangla-wb",
      "code": "SS-WB-SKL-004",
      "name": "Utkarsh Bangla — Free Skill Training (West Bengal)",
      "level": "state",
      "state": "West Bengal",
      "ministry": "West Bengal Technical Education, Training & Skill Development Department (PBSSD)",
      "category": "skills-employment",
      "audience": [
        "people aged 18-45 in West Bengal seeking job-linked skills"
      ],
      "summary": "Free, placement-linked short skill courses of 400 to 1,200 hours in West Bengal — tailoring, beautician, automotive, data entry and more — for people aged 18 to 45 with Class 5 or above, run through PBSSD with priority for Kanyashree girls.",
      "benefit_amount": "Free skill training with certification",
      "launched": "16 February 2016",
      "last_verified": "2026-10-08",
      "official_url": "https://pbssd.gov.in",
      "name_hi": "उत्कर्ष बांग्ला — निःशुल्क कौशल प्रशिक्षण (पश्चिम बंगाल)",
      "summary_hi": "पश्चिम बंगाल में 400 से 1,200 घंटे के निःशुल्क, प्लेसमेंट से जुड़े अल्पकालिक कौशल पाठ्यक्रम — सिलाई, ब्यूटीशियन, ऑटोमोटिव, डेटा एंट्री आदि — कक्षा 5 या अधिक वाले 18 से 45 वर्ष के लोगों के लिए, PBSSD के माध्यम से, कन्याश्री लड़कियों को प्राथमिकता।",
      "benefit_amount_hi": "प्रमाणन सहित निःशुल्क कौशल प्रशिक्षण"
    },
    {
      "slug": "mamata-yojana-odisha",
      "code": "SS-OD-WMC-003",
      "name": "Mamata Yojana (Odisha Maternity Benefit ₹10,000)",
      "level": "state",
      "state": "Odisha",
      "ministry": "Odisha Department of Women & Child Development",
      "category": "women-child",
      "audience": [
        "pregnant and lactating women aged 19+ in Odisha"
      ],
      "summary": "₹10,000 for pregnant and lactating women in Odisha for their first two live births — ₹6,000 at six months of pregnancy and ₹4,000 after the child is about ten months old — doubled from ₹5,000; Government and PSU employees are excluded.",
      "benefit_amount": "₹10,000 in two instalments (₹6,000 + ₹4,000)",
      "launched": "2011",
      "last_verified": "2026-10-08",
      "official_url": "https://wcd.odisha.gov.in/ICDS/mamata",
      "name_hi": "ममता योजना (ओडिशा मातृत्व लाभ ₹10,000)",
      "summary_hi": "ओडिशा में गर्भवती और स्तनपान कराने वाली महिलाओं को पहले दो जीवित जन्मों के लिए ₹10,000 — गर्भावस्था के छह माह पर ₹6,000 और बच्चे के लगभग दस माह के होने पर ₹4,000 — ₹5,000 से दोगुना; सरकारी और PSU कर्मचारी बाहर।",
      "benefit_amount_hi": "दो किस्तों में ₹10,000 (₹6,000 + ₹4,000)"
    },
    {
      "slug": "mission-shakti-odisha",
      "code": "SS-OD-WMC-004",
      "name": "Mission Shakti (Odisha Women SHGs & Interest-Free Loans)",
      "level": "state",
      "state": "Odisha",
      "ministry": "Odisha Mission Shakti Department",
      "category": "women-child",
      "audience": [
        "women aged 18-65 in Odisha joining self-help groups"
      ],
      "summary": "Odisha's women's self-help group movement of about 70 lakh members, with the Mission Shakti Loan giving groups bank credit at zero effective interest on prompt repayment — the state pays the interest — with higher limits for better-graded groups.",
      "benefit_amount": "Interest-free SHG bank loans (up to ₹10 lakh for A-grade groups)",
      "launched": "8 March 2001",
      "last_verified": "2026-10-08",
      "official_url": "https://missionshakti.odisha.gov.in",
      "name_hi": "मिशन शक्ति (ओडिशा महिला स्वयं सहायता समूह और ब्याज-मुक्त ऋण)",
      "summary_hi": "ओडिशा का महिला स्वयं सहायता समूह आंदोलन, लगभग 70 लाख सदस्यों के साथ, जिसमें मिशन शक्ति ऋण समूहों को समय पर चुकाने पर शून्य प्रभावी ब्याज पर बैंक ऋण देता है — ब्याज राज्य देता है — बेहतर ग्रेड वाले समूहों के लिए ऊंची सीमा के साथ।",
      "benefit_amount_hi": "ब्याज-मुक्त SHG बैंक ऋण (A-ग्रेड समूहों के लिए ₹10 लाख तक)"
    },
    {
      "slug": "samrudha-krushak-yojana-odisha",
      "code": "SS-OD-AGR-003",
      "name": "Samrudha Krushak Yojana (Odisha Paddy at ₹3,100 per Quintal)",
      "level": "state",
      "state": "Odisha",
      "ministry": "Odisha Food Supplies & Consumer Welfare Department",
      "category": "agriculture-rural-environment",
      "audience": [
        "paddy farmers registered for procurement in Odisha"
      ],
      "summary": "Odisha buys paddy from registered farmers at ₹3,100 a quintal — the minimum support price plus state input assistance — with ₹6,088 crore in the 2026-27 budget and a ₹5,000 crore revolving fund; some districts have reported late or uneven procurement.",
      "benefit_amount": "₹3,100 per quintal for paddy (MSP + input assistance)",
      "launched": "October 2024",
      "last_verified": "2026-10-08",
      "official_url": "https://foododisha.in",
      "name_hi": "समृद्ध कृषक योजना (ओडिशा धान ₹3,100 प्रति क्विंटल)",
      "summary_hi": "ओडिशा पंजीकृत किसानों से धान ₹3,100 प्रति क्विंटल पर खरीदता है — न्यूनतम समर्थन मूल्य और राज्य की इनपुट सहायता मिलाकर — 2026-27 के बजट में ₹6,088 करोड़ और ₹5,000 करोड़ के चक्रीय कोष के साथ; कुछ ज़िलों में देर या असमान खरीद की खबरें।",
      "benefit_amount_hi": "धान के लिए ₹3,100 प्रति क्विंटल (MSP + इनपुट सहायता)"
    },
    {
      "slug": "odisha-state-food-security-scheme",
      "code": "SS-OD-SWE-002",
      "name": "Odisha State Food Security Scheme (SFSS — 5 kg Free Rice)",
      "level": "state",
      "state": "Odisha",
      "ministry": "Odisha Food Supplies & Consumer Welfare Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "poor families in Odisha left out of the central NFSA list"
      ],
      "summary": "Odisha's own food scheme for poor families that fell outside the central NFSA ceiling — 5 kg of free rice per person per month through ration shops, extended to 31 December 2028, covering about 10 lakh people in 3.15 lakh families.",
      "benefit_amount": "5 kg free rice per person per month",
      "launched": "Extended to 31 December 2028",
      "last_verified": "2026-10-08",
      "official_url": "https://foododisha.in",
      "name_hi": "ओडिशा राज्य खाद्य सुरक्षा योजना (SFSS — 5 किलो निःशुल्क चावल)",
      "summary_hi": "केंद्रीय NFSA सीमा से बाहर रहे गरीब परिवारों के लिए ओडिशा की अपनी खाद्य योजना — राशन दुकानों से प्रति व्यक्ति प्रति माह 5 किलो निःशुल्क चावल, 31 दिसंबर 2028 तक बढ़ाई गई, 3.15 लाख परिवारों के लगभग 10 लाख लोगों को।",
      "benefit_amount_hi": "प्रति व्यक्ति प्रति माह 5 किलो निःशुल्क चावल"
    },
    {
      "slug": "mukhyamantri-sampoorna-pushti-yojana-odisha",
      "code": "SS-OD-WMC-005",
      "name": "Mukhyamantri Sampoorna Pushti Yojana (Odisha Nutrition Scheme)",
      "level": "state",
      "state": "Odisha",
      "ministry": "Odisha Department of Women & Child Development",
      "category": "women-child",
      "audience": [
        "adolescent girls 15-19, pregnant and lactating women and children under 6 in Odisha"
      ],
      "summary": "A ₹3,354 crore five-year nutrition scheme from 2023-24 through Anganwadis: eggs and supplements for girls aged 15–19, extra take-home ration for pregnant and lactating women, and augmented rations with eggs for malnourished children under six.",
      "benefit_amount": "Eggs, take-home ration and supplements through Anganwadis",
      "launched": "15 September 2023",
      "last_verified": "2026-10-08",
      "official_url": "https://wcd.odisha.gov.in",
      "name_hi": "मुख्यमंत्री संपूर्ण पुष्टि योजना (ओडिशा पोषण योजना)",
      "summary_hi": "2023-24 से आंगनवाड़ियों के माध्यम से ₹3,354 करोड़ की पांच वर्षीय पोषण योजना: 15–19 वर्ष की लड़कियों को अंडे और पूरक, गर्भवती और स्तनपान कराने वाली महिलाओं को अतिरिक्त टेक-होम राशन, और छह वर्ष से कम कुपोषित बच्चों को अंडों सहित बढ़ा हुआ राशन।",
      "benefit_amount_hi": "आंगनवाड़ियों से अंडे, टेक-होम राशन और पूरक"
    },
    {
      "slug": "mukhyamantri-kalakar-sahayata-yojana-odisha",
      "code": "SS-OD-SWE-003",
      "name": "Mukhyamantri Kalakar Sahayata Yojana (Odisha Artists' Assistance)",
      "level": "state",
      "state": "Odisha",
      "ministry": "Odisha Odia Language, Literature & Culture Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "indigent elderly artists in Odisha"
      ],
      "summary": "A monthly pension of ₹1,200 for indigent elderly artists in Odisha who have enriched the state's arts and culture, for annual income up to ₹50,000 (rural) or ₹60,000 (urban), selected by a District Level Committee headed by the Collector.",
      "benefit_amount": "₹1,200 per month",
      "launched": "17 January 2018",
      "last_verified": "2026-10-08",
      "official_url": "https://culture.odisha.gov.in",
      "name_hi": "मुख्यमंत्री कलाकार सहायता योजना (ओडिशा कलाकार सहायता)",
      "summary_hi": "ओडिशा के उन निराश्रित बुज़ुर्ग कलाकारों के लिए ₹1,200 की मासिक पेंशन जिन्होंने राज्य की कला और संस्कृति को समृद्ध किया, वार्षिक आय ₹50,000 (ग्रामीण) या ₹60,000 (शहरी) तक, कलेक्टर की अध्यक्षता वाली ज़िला स्तरीय समिति द्वारा चयन।",
      "benefit_amount_hi": "₹1,200 प्रति माह"
    },
    {
      "slug": "savitribai-phule-kishori-samriddhi-yojana-jharkhand",
      "code": "SS-JH-WMC-002",
      "name": "Savitribai Phule Kishori Samriddhi Yojana (Jharkhand Girls ₹40,000)",
      "level": "state",
      "state": "Jharkhand",
      "ministry": "Jharkhand Department of Women, Child Development & Social Security",
      "category": "women-child",
      "audience": [
        "girls in Classes 8-12 in Jharkhand"
      ],
      "summary": "Up to ₹40,000 for Jharkhand girls in Classes 8 to 12 — ₹2,500 in Classes 8 and 9, ₹5,000 each in Classes 10 to 12 and ₹20,000 at 18 — paid by direct transfer in six instalments; it replaced the Mukhyamantri Sukanya Yojana.",
      "benefit_amount": "₹40,000 in six instalments",
      "launched": "2022 (replaced Mukhyamantri Sukanya Yojana)",
      "last_verified": "2026-10-08",
      "official_url": "https://savitribaipksy.jharkhand.gov.in",
      "name_hi": "सावित्रीबाई फुले किशोरी समृद्धि योजना (झारखंड बेटियों को ₹40,000)",
      "summary_hi": "झारखंड की कक्षा 8 से 12 की लड़कियों को ₹40,000 तक — कक्षा 8 और 9 में ₹2,500, कक्षा 10 से 12 में ₹5,000 प्रत्येक और 18 वर्ष पर ₹20,000 — छह किस्तों में सीधे हस्तांतरण से; इसने मुख्यमंत्री सुकन्या योजना की जगह ली।",
      "benefit_amount_hi": "छह किस्तों में ₹40,000"
    },
    {
      "slug": "guruji-student-credit-card-scheme-jharkhand",
      "code": "SS-JH-EDU-003",
      "name": "Guruji Student Credit Card Scheme (Jharkhand Education Loan)",
      "level": "state",
      "state": "Jharkhand",
      "ministry": "Jharkhand Department of Higher & Technical Education",
      "category": "education-learning",
      "audience": [
        "Jharkhand students admitted to higher-education courses"
      ],
      "summary": "A collateral-free education loan of up to ₹15 lakh at 4% simple interest for Jharkhand students up to age 40 admitted to listed institutions, repayable over up to 15 years, with an extra interest benefit reported for women.",
      "benefit_amount": "Education loan up to ₹15 lakh at 4% simple interest",
      "launched": "2024",
      "last_verified": "2026-10-08",
      "official_url": "https://gsccls.jharkhand.gov.in",
      "name_hi": "गुरुजी स्टूडेंट क्रेडिट कार्ड योजना (झारखंड शिक्षा ऋण)",
      "summary_hi": "सूचीबद्ध संस्थानों में प्रवेश पाने वाले 40 वर्ष तक के झारखंड के विद्यार्थियों के लिए 4% साधारण ब्याज पर ₹15 लाख तक का गिरवी-मुक्त शिक्षा ऋण, 15 वर्ष तक चुकौती, महिलाओं के लिए अतिरिक्त ब्याज लाभ बताया गया।",
      "benefit_amount_hi": "4% साधारण ब्याज पर ₹15 लाख तक शिक्षा ऋण"
    },
    {
      "slug": "mukhyamantri-shramik-yojana-jharkhand",
      "code": "SS-JH-SKL-002",
      "name": "Mukhyamantri SHRAMIK Yojana (Jharkhand Urban Job Guarantee)",
      "level": "state",
      "state": "Jharkhand",
      "ministry": "Jharkhand Urban Development & Housing Department",
      "category": "skills-employment",
      "audience": [
        "unskilled urban workers in Jharkhand's 51 urban local bodies"
      ],
      "summary": "A legal guarantee of 100 days of wage work a year for unskilled workers living in Jharkhand's 51 urban local bodies, through a free job card valid three years, with work due within 15 days of a demand and an unemployment allowance if none is given.",
      "benefit_amount": "100 days of guaranteed wage work per year",
      "launched": "2020",
      "last_verified": "2026-10-08",
      "official_url": "https://msy.jharkhand.gov.in",
      "name_hi": "मुख्यमंत्री श्रमिक योजना (झारखंड शहरी रोज़गार गारंटी)",
      "summary_hi": "झारखंड के 51 शहरी स्थानीय निकायों में रहने वाले अकुशल श्रमिकों के लिए प्रति वर्ष 100 दिन की मज़दूरी वाले काम की कानूनी गारंटी, तीन वर्ष के निःशुल्क जॉब कार्ड से, मांग के 15 दिन के भीतर काम और न मिलने पर बेरोज़गारी भत्ता।",
      "benefit_amount_hi": "प्रति वर्ष 100 दिन मज़दूरी वाले काम की गारंटी"
    },
    {
      "slug": "mukhyamantri-sarthi-yojana-jharkhand",
      "code": "SS-JH-SKL-003",
      "name": "Mukhyamantri Sarthi Yojana (Jharkhand Free Skill Training)",
      "level": "state",
      "state": "Jharkhand",
      "ministry": "Jharkhand Labour, Employment, Training & Skill Development Department (JSDMS)",
      "category": "skills-employment",
      "audience": [
        "youth in Jharkhand seeking skills and jobs"
      ],
      "summary": "Jharkhand's umbrella programme for free skill training in all 24 districts, run by the Jharkhand Skill Development Mission Society, with a monthly job-search allowance of ₹1,000 for boys and ₹1,500 for girls, disabled and transgender trainees if no job comes within three months.",
      "benefit_amount": "Free training; ₹1,000–₹1,500/month allowance for up to a year",
      "launched": "Jharkhand skill umbrella scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://blog.mygov.in/mukhymantri-sarthi-yojna/",
      "name_hi": "मुख्यमंत्री सारथी योजना (झारखंड निःशुल्क कौशल प्रशिक्षण)",
      "summary_hi": "झारखंड कौशल विकास मिशन सोसायटी द्वारा चलाया जाने वाला सभी 24 ज़िलों में निःशुल्क कौशल प्रशिक्षण का समग्र कार्यक्रम, जिसमें प्रशिक्षण के तीन माह में नौकरी न मिलने पर लड़कों को ₹1,000 और लड़कियों, दिव्यांग तथा ट्रांसजेंडर प्रशिक्षुओं को ₹1,500 मासिक भत्ता।",
      "benefit_amount_hi": "निःशुल्क प्रशिक्षण; एक वर्ष तक ₹1,000–₹1,500/माह भत्ता"
    },
    {
      "slug": "mukhyamantri-krishi-sa-sajuli-yojana-assam",
      "code": "SS-AS-AGR-002",
      "name": "Mukhyamantri Krishi Sa Sajuli Yojana (Assam Farm Tool Aid)",
      "level": "state",
      "state": "Assam",
      "ministry": "Assam Agriculture & Horticulture Department",
      "category": "agriculture-rural-environment",
      "audience": [
        "small and marginal farmers in Assam"
      ],
      "summary": "₹5,000 by direct transfer to small and marginal farmers in Assam to buy farm tools and implements, targeting five lakh farmer families, applied for at the Agricultural Extension Assistant's office; a larger ₹11,000 annual support was announced in May 2026 but is not yet in force.",
      "benefit_amount": "₹5,000 for farm tools",
      "launched": "February 2019",
      "last_verified": "2026-10-08",
      "official_url": "https://agri-horti.assam.gov.in",
      "name_hi": "मुख्यमंत्री कृषि सा सजुली योजना (असम कृषि उपकरण सहायता)",
      "summary_hi": "असम के छोटे और सीमांत किसानों को कृषि उपकरण खरीदने के लिए सीधे हस्तांतरण से ₹5,000, पांच लाख किसान परिवारों का लक्ष्य, कृषि विस्तार सहायक के कार्यालय में आवेदन; मई 2026 में ₹11,000 की बड़ी वार्षिक सहायता की घोषणा हुई पर अभी लागू नहीं।",
      "benefit_amount_hi": "कृषि उपकरणों के लिए ₹5,000"
    },
    {
      "slug": "mukhyamantri-matru-pushti-uphaar-tripura",
      "code": "SS-TR-WMC-002",
      "name": "Mukhyamantri Matru Pushti Uphaar (Tripura ₹500 per Check-up)",
      "level": "state",
      "state": "Tripura",
      "ministry": "Tripura Social Welfare & Social Education Department",
      "category": "women-child",
      "audience": [
        "pregnant women in Tripura"
      ],
      "summary": "₹500 for pregnant women in Tripura after each antenatal check-up, up to four times, paid by direct transfer after the Child Development Project Officer approves — it began in 2020 as nutrition kits and works alongside the central PMMVY.",
      "benefit_amount": "₹500 per antenatal check-up, up to four times",
      "launched": "25 June 2020",
      "last_verified": "2026-10-08",
      "official_url": "https://socialwelfare.tripura.gov.in",
      "name_hi": "मुख्यमंत्री मातृ पुष्टि उपहार (त्रिपुरा प्रति जांच ₹500)",
      "summary_hi": "त्रिपुरा की गर्भवती महिलाओं को हर प्रसवपूर्व जांच के बाद ₹500, चार बार तक, बाल विकास परियोजना अधिकारी की स्वीकृति के बाद सीधे हस्तांतरण से — यह 2020 में पोषण किट के रूप में शुरू हुई और केंद्रीय PMMVY के साथ चलती है।",
      "benefit_amount_hi": "हर प्रसवपूर्व जांच पर ₹500, चार बार तक"
    },
    {
      "slug": "mukhyamantri-samajik-sahayata-prakalpa-women-tripura",
      "code": "SS-TR-SWE-002",
      "name": "Mukhyamantri Samajik Sahayata Prakalpa — Vulnerable Women (Tripura)",
      "level": "state",
      "state": "Tripura",
      "ministry": "Tripura Directorate of Social Welfare & Social Education",
      "category": "social-welfare-empowerment",
      "audience": [
        "widows, deserted and unmarried women in need in Tripura"
      ],
      "summary": "A monthly pension of ₹2,000 for vulnerable women in Tripura — widows, deserted women and unmarried women in need — paid by direct transfer; recipients are not government employees or on another state pension, and children of school age must be enrolled.",
      "benefit_amount": "₹2,000 per month",
      "launched": "2022",
      "last_verified": "2026-10-08",
      "official_url": "https://socialwelfare.tripura.gov.in",
      "name_hi": "मुख्यमंत्री सामाजिक सहायता प्रकल्प — कमज़ोर महिलाएं (त्रिपुरा)",
      "summary_hi": "त्रिपुरा की कमज़ोर महिलाओं — विधवा, परित्यक्ता और ज़रूरतमंद अविवाहित महिलाओं — के लिए ₹2,000 की मासिक पेंशन, सीधे हस्तांतरण से; प्राप्तकर्ता सरकारी कर्मचारी या किसी अन्य राज्य पेंशन पर न हों, और स्कूल जाने की आयु के बच्चे नामांकित हों।",
      "benefit_amount_hi": "₹2,000 प्रति माह"
    },
    {
      "slug": "mukhyamantri-samajik-sahayata-prakalpa-disability-tripura",
      "code": "SS-TR-SWE-003",
      "name": "Mukhyamantri Samajik Sahayata Prakalpa — Disability Pension (Tripura)",
      "level": "state",
      "state": "Tripura",
      "ministry": "Tripura Directorate of Social Welfare & Social Education",
      "category": "social-welfare-empowerment",
      "audience": [
        "persons with 60%+ disability in Tripura"
      ],
      "summary": "A monthly pension of ₹2,000 for Tripura residents with a disability of 60% or more, aged 10 or above, in families with income up to ₹1 lakh and no government-employee member, paid into the bank account.",
      "benefit_amount": "₹2,000 per month",
      "launched": "State disability allowance",
      "last_verified": "2026-10-08",
      "official_url": "https://socialwelfare.tripura.gov.in",
      "name_hi": "मुख्यमंत्री सामाजिक सहायता प्रकल्प — दिव्यांग पेंशन (त्रिपुरा)",
      "summary_hi": "त्रिपुरा के 60% या अधिक दिव्यांगता वाले, 10 वर्ष या अधिक आयु के निवासियों के लिए ₹2,000 की मासिक पेंशन, ₹1 लाख तक आय वाले और सरकारी कर्मचारी सदस्य रहित परिवारों में, बैंक खाते में।",
      "benefit_amount_hi": "₹2,000 प्रति माह"
    },
    {
      "slug": "mukhyamantri-konya-bibaha-yojana-tripura",
      "code": "SS-TR-WMC-003",
      "name": "Mukhyamantri Konya Bibaha Yojana (Tripura ₹50,000 Marriage Aid)",
      "level": "state",
      "state": "Tripura",
      "ministry": "Tripura Social Welfare & Social Education Department",
      "category": "women-child",
      "audience": [
        "brides aged 18+ from Antyodaya families in Tripura"
      ],
      "summary": "₹50,000 one-time for the marriage of a bride aged 18 or above from an Antyodaya family in Tripura, with marriage registration mandatory — notified in September 2025 and applied for offline at the CDPO office; about 45 families had been paid by mid-2026.",
      "benefit_amount": "₹50,000 one-time",
      "launched": "September 2025",
      "last_verified": "2026-10-08",
      "official_url": "https://socialwelfare.tripura.gov.in",
      "name_hi": "मुख्यमंत्री कन्या विवाह योजना (त्रिपुरा ₹50,000 विवाह सहायता)",
      "summary_hi": "त्रिपुरा के अंत्योदय परिवार की 18 वर्ष या अधिक आयु की वधू के विवाह पर ₹50,000 एकमुश्त, विवाह पंजीकरण अनिवार्य — सितंबर 2025 में अधिसूचित और CDPO कार्यालय में ऑफलाइन आवेदन; 2026 के मध्य तक लगभग 45 परिवारों को भुगतान हुआ।",
      "benefit_amount_hi": "₹50,000 एकमुश्त"
    },
    {
      "slug": "rajiv-gandhi-swarozgar-yojana-himachal",
      "code": "SS-HP-BIZ-001",
      "name": "Rajiv Gandhi Swarozgar Yojana (Himachal Self-Employment Subsidy)",
      "level": "state",
      "state": "Himachal Pradesh",
      "ministry": "Himachal Pradesh Employment & Overseas Placement Department",
      "category": "business-entrepreneurship",
      "audience": [
        "unemployed youth and entrepreneurs in Himachal Pradesh"
      ],
      "summary": "Himachal's self-employment scheme gives a 25% investment subsidy (30% for SC/ST, 35% for women-led and divyang enterprises) on projects up to a ₹60 lakh ceiling, and 50% on e-taxis, e-buses and e-trucks, for applicants aged 23 to 50 after a July 2026 age increase.",
      "benefit_amount": "25–35% investment subsidy; 50% on e-taxi, e-bus, e-truck",
      "launched": "2023",
      "last_verified": "2026-10-08",
      "official_url": "https://himachal.nic.in",
      "name_hi": "राजीव गांधी स्वरोज़गार योजना (हिमाचल स्वरोज़गार सब्सिडी)",
      "summary_hi": "हिमाचल की स्वरोज़गार योजना ₹60 लाख तक की परियोजनाओं पर 25% निवेश सब्सिडी (एससी/एसटी के लिए 30%, महिला-नेतृत्व और दिव्यांग उद्यमों के लिए 35%) और ई-टैक्सी, ई-बस और ई-ट्रक पर 50% देती है, जुलाई 2026 में आयु बढ़ने के बाद 23 से 50 वर्ष के आवेदकों के लिए।",
      "benefit_amount_hi": "25–35% निवेश सब्सिडी; ई-टैक्सी, ई-बस, ई-ट्रक पर 50%"
    },
    {
      "slug": "mukhyamantri-sahara-yojana-himachal",
      "code": "SS-HP-HLT-003",
      "name": "Mukhyamantri Sahara Yojana (Himachal ₹3,000 for Serious Illness)",
      "level": "state",
      "state": "Himachal Pradesh",
      "ministry": "Himachal Pradesh Health & Family Welfare Department",
      "category": "health-wellness",
      "audience": [
        "low-income patients with serious illnesses in Himachal Pradesh"
      ],
      "summary": "₹3,000 a month for low-income Himachal patients with serious illnesses — cancer, Parkinson's, paralysis, muscular dystrophy, thalassaemia, haemophilia, chronic kidney failure and permanently incapacitating diseases — for families with income up to ₹4 lakh, started in July 2019.",
      "benefit_amount": "₹3,000 per month",
      "launched": "July 2019",
      "last_verified": "2026-10-08",
      "official_url": "https://himachal.nic.in",
      "name_hi": "मुख्यमंत्री सहारा योजना (हिमाचल गंभीर बीमारी पर ₹3,000)",
      "summary_hi": "हिमाचल के कम आय वाले गंभीर बीमारी के रोगियों — कैंसर, पार्किंसन, लकवा, मस्कुलर डिस्ट्रॉफी, थैलेसीमिया, हीमोफीलिया, गुर्दे की विफलता और स्थायी अक्षमता वाले रोग — को ₹3,000 प्रति माह, ₹4 लाख तक आय वाले परिवारों के लिए, जुलाई 2019 में शुरू।",
      "benefit_amount_hi": "₹3,000 प्रति माह"
    },
    {
      "slug": "old-age-pension-uttarakhand",
      "code": "SS-UK-SWE-001",
      "name": "Uttarakhand Old Age Pension (Vridhavastha Pension)",
      "level": "state",
      "state": "Uttarakhand",
      "ministry": "Uttarakhand Department of Social Welfare",
      "category": "social-welfare-empowerment",
      "audience": [
        "senior citizens aged 60+ in Uttarakhand"
      ],
      "summary": "₹1,500 a month for senior citizens aged 60 and above in Uttarakhand — husband and wife can each get it — for those with monthly income up to ₹4,000 or a BPL card, selected at the Gram Sabha and applied for on the Samaj Kalyan portal.",
      "benefit_amount": "₹1,500 per month",
      "launched": "State pension scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://socialwelfare.uk.gov.in/service/old-age-pension/",
      "name_hi": "उत्तराखंड वृद्धावस्था पेंशन",
      "summary_hi": "उत्तराखंड में 60 वर्ष और अधिक आयु के वरिष्ठ नागरिकों के लिए ₹1,500 मासिक — पति और पत्नी दोनों को अलग-अलग — मासिक आय ₹4,000 तक या बीपीएल कार्ड वालों के लिए, ग्राम सभा में चयन और समाज कल्याण पोर्टल पर आवेदन।",
      "benefit_amount_hi": "₹1,500 प्रति माह"
    },
    {
      "slug": "disability-pension-uttarakhand",
      "code": "SS-UK-SWE-002",
      "name": "Uttarakhand Disability Pension (Divyang Pension)",
      "level": "state",
      "state": "Uttarakhand",
      "ministry": "Uttarakhand Department of Social Welfare",
      "category": "social-welfare-empowerment",
      "audience": [
        "persons with 40%+ disability in Uttarakhand"
      ],
      "summary": "₹1,500 a month for persons with a disability of 40% or more in Uttarakhand whose family income is within the state limit or who hold a BPL card, applied for online and verified by the District Social Welfare Officer before payment into the bank account.",
      "benefit_amount": "₹1,500 per month",
      "launched": "State pension scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://socialwelfare.uk.gov.in",
      "name_hi": "उत्तराखंड दिव्यांग पेंशन",
      "summary_hi": "उत्तराखंड में 40% या अधिक दिव्यांगता वाले व्यक्तियों के लिए ₹1,500 मासिक, जिनके परिवार की आय राज्य की सीमा के भीतर हो या जिनके पास बीपीएल कार्ड हो, ऑनलाइन आवेदन और ज़िला समाज कल्याण अधिकारी के सत्यापन के बाद बैंक खाते में।",
      "benefit_amount_hi": "₹1,500 प्रति माह"
    },
    {
      "slug": "integrated-social-security-scheme-jammu-kashmir",
      "code": "SS-JK-SWE-002",
      "name": "J&K Integrated Social Security Scheme (ISSS Pension)",
      "level": "state",
      "state": "Jammu & Kashmir",
      "ministry": "Jammu & Kashmir Social Welfare Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "elderly, widows, persons with disabilities and transgender persons in J&K"
      ],
      "summary": "J&K's state pension since 1995 for elderly people (men 60+, women 55+), widows and divorcees above 40, persons with 40%+ disability and transgender persons — listed at ₹1,000 a month and raised in April 2025 by age bracket.",
      "benefit_amount": "₹1,000 listed; higher by age since April 2025",
      "launched": "1995",
      "last_verified": "2026-10-08",
      "official_url": "https://socialwelfarekashmir.jk.gov.in",
      "name_hi": "जम्मू-कश्मीर एकीकृत सामाजिक सुरक्षा योजना (ISSS पेंशन)",
      "summary_hi": "1995 से जम्मू-कश्मीर की राज्य पेंशन — बुज़ुर्गों (पुरुष 60+, महिला 55+), 40 से अधिक आयु की विधवाओं और तलाकशुदा, 40%+ दिव्यांगता वाले और ट्रांसजेंडर व्यक्तियों के लिए — ₹1,000 मासिक सूचीबद्ध और अप्रैल 2025 में आयु वर्ग के अनुसार बढ़ाई गई।",
      "benefit_amount_hi": "₹1,000 सूचीबद्ध; अप्रैल 2025 से आयु के अनुसार अधिक"
    },
    {
      "slug": "ladli-beti-yojana-jammu-kashmir",
      "code": "SS-JK-WMC-003",
      "name": "Ladli Beti Scheme (Jammu & Kashmir)",
      "level": "state",
      "state": "Jammu & Kashmir",
      "ministry": "Jammu & Kashmir Social Welfare Department",
      "category": "women-child",
      "audience": [
        "girls born on or after 1 April 2015 in low-income J&K families"
      ],
      "summary": "₹1,000 a month into the account of a girl born on or after 1 April 2015 until she is 14 (₹1.68 lakh in all), growing to about ₹6.5 lakh at 21, for J&K families with income up to ₹75,000 — though ₹112.86 crore of payments for April–August 2026 was reported pending.",
      "benefit_amount": "₹1,000 per month for 14 years; about ₹6.5 lakh at 21",
      "launched": "1 April 2015",
      "last_verified": "2026-10-08",
      "official_url": "https://services.india.gov.in/service/detail/apply-for-ladli-beti-scheme-jammu-and-kashmir",
      "name_hi": "लाडली बेटी योजना (जम्मू-कश्मीर)",
      "summary_hi": "1 अप्रैल 2015 या बाद जन्मी बच्ची के खाते में 14 वर्ष की आयु तक ₹1,000 मासिक (कुल ₹1.68 लाख), जो 21 वर्ष पर लगभग ₹6.5 लाख हो जाता है, ₹75,000 तक आय वाले जम्मू-कश्मीर परिवारों के लिए — हालांकि अप्रैल–अगस्त 2026 के ₹112.86 करोड़ के भुगतान लंबित बताए गए।",
      "benefit_amount_hi": "14 वर्ष तक ₹1,000 मासिक; 21 वर्ष पर लगभग ₹6.5 लाख"
    },
    {
      "slug": "mumkin-scheme-jammu-kashmir",
      "code": "SS-JK-BIZ-001",
      "name": "Mumkin Scheme (J&K Subsidised Commercial Vehicles for Youth)",
      "level": "state",
      "state": "Jammu & Kashmir",
      "ministry": "Jammu & Kashmir Mission Youth",
      "category": "business-entrepreneurship",
      "audience": [
        "unemployed youth in Jammu & Kashmir"
      ],
      "summary": "A livelihood scheme for unemployed J&K youth to buy small commercial vehicles: bank loan up to 100% of the on-road price, an upfront Mission Youth subsidy of ₹80,000 or 10% (whichever is less) and a matching manufacturer discount.",
      "benefit_amount": "₹80,000 or 10% subsidy + manufacturer discount + loan up to 100%",
      "launched": "2021",
      "last_verified": "2026-10-08",
      "official_url": "https://missionyouth.jk.gov.in",
      "name_hi": "मुमकिन योजना (जम्मू-कश्मीर युवाओं के लिए रियायती वाणिज्यिक वाहन)",
      "summary_hi": "जम्मू-कश्मीर के बेरोज़गार युवाओं के लिए छोटे वाणिज्यिक वाहन खरीदने की आजीविका योजना: ऑन-रोड कीमत के 100% तक बैंक ऋण, मिशन यूथ की ₹80,000 या 10% (जो कम हो) की अग्रिम सब्सिडी और निर्माता की बराबर छूट।",
      "benefit_amount_hi": "₹80,000 या 10% सब्सिडी + निर्माता छूट + 100% तक ऋण"
    },
    {
      "slug": "shagun-scheme-chandigarh",
      "code": "SS-CH-WMC-002",
      "name": "Shagun Scheme (Chandigarh Marriage Assistance ₹31,000)",
      "level": "state",
      "state": "Chandigarh",
      "ministry": "Chandigarh Department of Social Welfare, Women & Child Development",
      "category": "women-child",
      "audience": [
        "women from low-income families in Chandigarh"
      ],
      "summary": "₹31,000 one-time for the marriage of orphan and destitute girls, the remarriage of widows and destitute women, and daughters of pension-holder widows, Antyodaya families, street vendors and sanitation workers in Chandigarh — for a woman's own marriage or up to two daughters.",
      "benefit_amount": "₹31,000 one-time",
      "launched": "Approved 10 January 2023",
      "last_verified": "2026-10-08",
      "official_url": "https://chdsw.gov.in",
      "name_hi": "शगुन योजना (चंडीगढ़ विवाह सहायता ₹31,000)",
      "summary_hi": "चंडीगढ़ में अनाथ और निराश्रित लड़कियों के विवाह, विधवाओं और निराश्रित महिलाओं के पुनर्विवाह, तथा पेंशनधारक विधवाओं, अंत्योदय परिवारों, रेहड़ी-पटरी वालों और सफाई कर्मचारियों की बेटियों के लिए ₹31,000 एकमुश्त — महिला के अपने विवाह या दो बेटियों तक।",
      "benefit_amount_hi": "₹31,000 एकमुश्त"
    },
    {
      "slug": "rewa-student-support-initiative-ladakh",
      "code": "SS-LA-EDU-003",
      "name": "REWA — Lt Governor's Student Support Initiative (Ladakh)",
      "level": "state",
      "state": "Ladakh",
      "ministry": "Ladakh Department of Higher Education",
      "category": "education-learning",
      "audience": [
        "meritorious students and UPSC aspirants from Ladakh"
      ],
      "summary": "Coaching-fee support for Ladakh's meritorious students — NEET, JEE, CLAT and NDA coaching after Class 10/12, and UPSC help — with REWA 2.0 giving ₹1 lakh to 80 UPSC aspirants chosen by a screening test on 25 October 2026.",
      "benefit_amount": "Up to ₹1 lakh (REWA 2.0) and up to ₹1.54 lakh (UPSC prelims qualifiers)",
      "launched": "June 2021 (REWA 2.0 October 2025)",
      "last_verified": "2026-10-08",
      "official_url": "https://highereducation.ladakh.gov.in",
      "name_hi": "रेवा — उपराज्यपाल छात्र सहायता पहल (लद्दाख)",
      "summary_hi": "लद्दाख के मेधावी विद्यार्थियों के लिए कोचिंग शुल्क सहायता — कक्षा 10/12 के बाद NEET, JEE, CLAT और NDA कोचिंग, और UPSC सहायता — REWA 2.0 में 25 अक्टूबर 2026 की स्क्रीनिंग परीक्षा से चुने 80 UPSC अभ्यर्थियों को ₹1 लाख।",
      "benefit_amount_hi": "₹1 लाख तक (REWA 2.0) और ₹1.54 लाख तक (UPSC प्रारंभिक पास)"
    },
    {
      "slug": "rooftop-solar-subsidy-ladakh",
      "code": "SS-LA-UTL-001",
      "name": "Ladakh Rooftop Solar Subsidy (PM Surya Ghar with UT Top-Up)",
      "level": "state",
      "state": "Ladakh",
      "ministry": "Ladakh Power Development Department",
      "category": "utility-sanitation",
      "audience": [
        "households and commercial establishments in Ladakh"
      ],
      "summary": "Residential rooftop solar in Ladakh gets the Centre's special-category subsidy plus a UT top-up of ₹20,000 per kW, for ₹53,000, ₹1,06,000 and ₹1,35,800 on 1, 2 and 3 kW systems, with no subsidy above 3 kW; commercial establishments have their own scheme.",
      "benefit_amount": "₹53,000 (1 kW) to ₹1,35,800 (3 kW) subsidy",
      "launched": "UT top-up approved June 2024",
      "last_verified": "2026-10-08",
      "official_url": "https://www.pmsuryaghar.gov.in",
      "name_hi": "लद्दाख रूफटॉप सोलर सब्सिडी (पीएम सूर्य घर और संघ शासित प्रदेश टॉप-अप)",
      "summary_hi": "लद्दाख में आवासीय रूफटॉप सोलर को केंद्र की विशेष श्रेणी की सब्सिडी के साथ ₹20,000 प्रति किलोवाट का UT टॉप-अप मिलता है, 1, 2 और 3 किलोवाट प्रणालियों पर ₹53,000, ₹1,06,000 और ₹1,35,800, 3 किलोवाट से ऊपर सब्सिडी नहीं; वाणिज्यिक प्रतिष्ठानों की अलग योजना है।",
      "benefit_amount_hi": "₹53,000 (1 kW) से ₹1,35,800 (3 kW) सब्सिडी"
    },
    {
      "slug": "ima-nongthangleima-yaipha-tengbang-scheme-manipur",
      "code": "SS-MN-WMC-001",
      "name": "Ima Nongthangleima Yaipha Tengbang Scheme (Manipur ₹500 for Women 40+)",
      "level": "state",
      "state": "Manipur",
      "ministry": "Manipur Department of Social Welfare",
      "category": "women-child",
      "audience": [
        "women aged 40+ in Manipur not covered by other individual schemes"
      ],
      "summary": "₹500 a month (₹6,000 a year) for Manipur women aged 40 and above who are not beneficiaries of any other individual government scheme — widows, divorcees, separated, single and transgender women and women from low-income or marginalised households — launched in December 2023 for about 4 lakh women.",
      "benefit_amount": "₹500 per month (₹6,000 a year)",
      "launched": "December 2023",
      "last_verified": "2026-10-08",
      "official_url": "https://socialwelfare.mn.gov.in",
      "name_hi": "इमा नोंगथांगलीमा याइफा तेंगबांग योजना (मणिपुर 40+ महिलाओं को ₹500)",
      "summary_hi": "मणिपुर की 40 वर्ष और अधिक आयु की उन महिलाओं को ₹500 मासिक (₹6,000 वार्षिक) जो किसी अन्य व्यक्तिगत सरकारी योजना की लाभार्थी नहीं — विधवा, तलाकशुदा, अलग रह रहीं, अकेली और ट्रांसजेंडर महिलाएं तथा कम आय या वंचित परिवारों की महिलाएं — दिसंबर 2023 में लगभग 4 लाख महिलाओं के लिए शुरू।",
      "benefit_amount_hi": "₹500 प्रति माह (₹6,000 वार्षिक)"
    },
    {
      "slug": "chief-minister-widow-pension-scheme-manipur",
      "code": "SS-MN-SWE-002",
      "name": "Chief Minister Widow Pension Scheme (Manipur ₹500)",
      "level": "state",
      "state": "Manipur",
      "ministry": "Manipur Department of Social Welfare",
      "category": "social-welfare-empowerment",
      "audience": [
        "widows in Manipur"
      ],
      "summary": "A state pension of ₹500 a month for widows in Manipur, started on 2 November 2021 for widows not covered by the national scheme and now described by the department as for widows aged 40 and above and HIV-positive widows aged 18 and above.",
      "benefit_amount": "₹500 per month",
      "launched": "2 November 2021",
      "last_verified": "2026-10-08",
      "official_url": "https://socialwelfare.mn.gov.in",
      "name_hi": "मुख्यमंत्री विधवा पेंशन योजना (मणिपुर ₹500)",
      "summary_hi": "मणिपुर की विधवाओं के लिए ₹500 मासिक राज्य पेंशन, 2 नवंबर 2021 को राष्ट्रीय योजना से बाहर की विधवाओं के लिए शुरू और अब विभाग इसे 40 वर्ष और अधिक आयु की विधवाओं तथा 18 वर्ष और अधिक आयु की एचआईवी-पॉज़िटिव विधवाओं के लिए बताता है।",
      "benefit_amount_hi": "₹500 प्रति माह"
    },
    {
      "slug": "old-age-pension-scheme-manipur",
      "code": "SS-MN-SWE-003",
      "name": "Manipur Old Age Pension Scheme (MOAPS)",
      "level": "state",
      "state": "Manipur",
      "ministry": "Manipur Department of Social Welfare",
      "category": "social-welfare-empowerment",
      "audience": [
        "destitute senior citizens in Manipur"
      ],
      "summary": "A state pension of ₹200 a month for old and destitute people in Manipur — about 1.07 lakh beneficiaries — for those aged 60 and above (the rules also mention women from 55) who have lived in the state for over ten years, with both spouses eligible if both qualify.",
      "benefit_amount": "₹200 per month",
      "launched": "State old age pension",
      "last_verified": "2026-10-08",
      "official_url": "https://socialwelfare.mn.gov.in",
      "name_hi": "मणिपुर वृद्धावस्था पेंशन योजना (MOAPS)",
      "summary_hi": "मणिपुर के वृद्ध और निराश्रित लोगों के लिए ₹200 मासिक राज्य पेंशन — लगभग 1.07 लाख लाभार्थी — 60 वर्ष और अधिक आयु (नियमों में महिलाओं के लिए 55 से भी) के उन लोगों के लिए जो राज्य में दस वर्ष से अधिक रहे हों, दोनों पात्र हों तो पति-पत्नी दोनों को।",
      "benefit_amount_hi": "₹200 प्रति माह"
    },
    {
      "slug": "megha-health-insurance-scheme-meghalaya",
      "code": "SS-ML-HLT-001",
      "name": "Megha Health Insurance Scheme (MHIS, Meghalaya)",
      "level": "state",
      "state": "Meghalaya",
      "ministry": "Meghalaya Health & Family Welfare Department (State Nodal Agency)",
      "category": "health-wellness",
      "audience": [
        "residents of Meghalaya"
      ],
      "summary": "Cashless family-floater health cover of up to ₹5.30 lakh a year for Meghalaya residents with no age limit and no income test (government employees excluded), enrolled with a ₹30 card — though Phase 6 ended on 31 August 2026 and the terms of Phase 7 have not been confirmed.",
      "benefit_amount": "Up to ₹5.30 lakh per family per year (Phase 6)",
      "launched": "2012",
      "last_verified": "2026-10-08",
      "official_url": "https://www.meghealth.gov.in",
      "name_hi": "मेघा स्वास्थ्य बीमा योजना (MHIS, मेघालय)",
      "summary_hi": "मेघालय के निवासियों के लिए बिना आयु सीमा और बिना आय परीक्षा के (सरकारी कर्मचारी बाहर) प्रति वर्ष ₹5.30 लाख तक का कैशलेस फैमिली-फ्लोटर स्वास्थ्य कवर, ₹30 के कार्ड से नामांकन — हालांकि चरण 6 31 अगस्त 2026 को समाप्त हुआ और चरण 7 की शर्तें पुष्ट नहीं।",
      "benefit_amount_hi": "प्रति परिवार प्रति वर्ष ₹5.30 लाख तक (चरण 6)"
    },
    {
      "slug": "chief-ministers-disability-pension-scheme-meghalaya",
      "code": "SS-ML-SWE-002",
      "name": "Chief Minister's Disability Pension Scheme (Meghalaya ₹500)",
      "level": "state",
      "state": "Meghalaya",
      "ministry": "Meghalaya Office of the State Commissioner for Persons with Disabilities",
      "category": "social-welfare-empowerment",
      "audience": [
        "persons with disabilities aged 18-59 in Meghalaya"
      ],
      "summary": "A pension of ₹500 a month for persons with disabilities aged 18 to 59 who live in Meghalaya and hold a disability certificate, under the 2012 scheme run by the State Commissioner for Persons with Disabilities, paid by post office or bank account.",
      "benefit_amount": "₹500 per month",
      "launched": "2012",
      "last_verified": "2026-10-08",
      "official_url": "https://megscpwd.gov.in/pension-scheme.html",
      "name_hi": "मुख्यमंत्री दिव्यांग पेंशन योजना (मेघालय ₹500)",
      "summary_hi": "मेघालय में रहने वाले और दिव्यांगता प्रमाण पत्र रखने वाले 18 से 59 वर्ष के दिव्यांगजनों के लिए ₹500 मासिक पेंशन, दिव्यांगजन राज्य आयुक्त द्वारा चलाई जा रही 2012 की योजना के तहत, डाकघर या बैंक खाते से भुगतान।",
      "benefit_amount_hi": "₹500 प्रति माह"
    },
    {
      "slug": "meghalaya-building-construction-workers-welfare-board",
      "code": "SS-ML-SKL-002",
      "name": "Meghalaya Building & Other Construction Workers Welfare Board",
      "level": "state",
      "state": "Meghalaya",
      "ministry": "Meghalaya Labour Department (MBOCWWB)",
      "category": "skills-employment",
      "audience": [
        "building and construction workers in Meghalaya"
      ],
      "summary": "Registration for Meghalaya's construction workers aged 18 to 59 who have worked 90+ days in the past year (rural job-guarantee days count), for a ₹5-a-month subscription, unlocking a pension from 60, family and disability pension and other board benefits.",
      "benefit_amount": "Pension, family pension, disability pension and other board benefits",
      "launched": "Statutory welfare board",
      "last_verified": "2026-10-08",
      "official_url": "https://megbocwwb.gov.in",
      "name_hi": "मेघालय भवन एवं अन्य निर्माण श्रमिक कल्याण बोर्ड",
      "summary_hi": "मेघालय के 18 से 59 वर्ष के उन निर्माण श्रमिकों का पंजीकरण जिन्होंने पिछले वर्ष 90+ दिन काम किया (ग्रामीण रोज़गार गारंटी के दिन गिने जाते हैं), ₹5 मासिक अंशदान पर, 60 वर्ष से पेंशन, पारिवारिक और दिव्यांगता पेंशन तथा अन्य बोर्ड लाभ।",
      "benefit_amount_hi": "पेंशन, पारिवारिक पेंशन, दिव्यांगता पेंशन और अन्य बोर्ड लाभ"
    },
    {
      "slug": "unmarried-women-pension-scheme-sikkim",
      "code": "SS-SK-WMC-001",
      "name": "Sikkim Unmarried Women Pension Scheme",
      "level": "state",
      "state": "Sikkim",
      "ministry": "Sikkim Women & Child Welfare Department",
      "category": "women-child",
      "audience": [
        "unmarried women aged 45+ in Sikkim"
      ],
      "summary": "₹2,000 a month for unmarried women in Sikkim aged 45 and above who hold an unmarried certificate — a 100% state-funded scheme running since 2013, registered online on the state's pension portal.",
      "benefit_amount": "₹2,000 per month",
      "launched": "2013",
      "last_verified": "2026-10-08",
      "official_url": "https://pensionscheme.sikkim.gov.in",
      "name_hi": "सिक्किम अविवाहित महिला पेंशन योजना",
      "summary_hi": "सिक्किम की 45 वर्ष और अधिक आयु की अविवाहित महिलाओं को, जिनके पास अविवाहित प्रमाण पत्र हो, ₹2,000 मासिक — 2013 से चल रही 100% राज्य-वित्तपोषित योजना, राज्य के पेंशन पोर्टल पर ऑनलाइन पंजीकरण।",
      "benefit_amount_hi": "₹2,000 प्रति माह"
    },
    {
      "slug": "chief-ministers-state-disability-pension-scheme-sikkim",
      "code": "SS-SK-SWE-002",
      "name": "Chief Minister's State Disability Pension Scheme (Sikkim ₹1,500)",
      "level": "state",
      "state": "Sikkim",
      "ministry": "Sikkim Women & Child Welfare Department",
      "category": "social-welfare-empowerment",
      "audience": [
        "persons with 40%+ disability in Sikkim"
      ],
      "summary": "₹1,500 a month for persons in Sikkim with a disability of 40% or more, with no age limit, who are not covered by the national disability pension — a 100% state-funded scheme registered on the state's pension portal.",
      "benefit_amount": "₹1,500 per month",
      "launched": "State innovative scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://pensionscheme.sikkim.gov.in",
      "name_hi": "मुख्यमंत्री राज्य दिव्यांग पेंशन योजना (सिक्किम ₹1,500)",
      "summary_hi": "सिक्किम में 40% या अधिक दिव्यांगता वाले व्यक्तियों के लिए ₹1,500 मासिक, बिना आयु सीमा, जो राष्ट्रीय दिव्यांग पेंशन से कवर न हों — 100% राज्य-वित्तपोषित योजना, राज्य के पेंशन पोर्टल पर पंजीकरण।",
      "benefit_amount_hi": "₹1,500 प्रति माह"
    },
    {
      "slug": "chief-ministers-social-security-scheme-arunachal-pradesh",
      "code": "SS-AR-SWE-001",
      "name": "Chief Minister's Social Security Scheme (Arunachal Pensions)",
      "level": "state",
      "state": "Arunachal Pradesh",
      "ministry": "Arunachal Pradesh Department of Social Justice, Empowerment & Tribal Affairs (SJETA)",
      "category": "social-welfare-empowerment",
      "audience": [
        "senior citizens, widows and persons with disabilities in Arunachal Pradesh"
      ],
      "summary": "Arunachal's state pensions for senior citizens, widows and persons with disabilities — raised by ₹300 a month in April 2025, with the widow pension opened to women from age 18 — covering over 80,000 beneficiaries, though pension arrears were reported in 2026.",
      "benefit_amount": "Monthly pension; +₹300 from April 2025",
      "launched": "State pension scheme",
      "last_verified": "2026-10-08",
      "official_url": "https://arunachalpradesh.gov.in",
      "name_hi": "मुख्यमंत्री सामाजिक सुरक्षा योजना (अरुणाचल पेंशन)",
      "summary_hi": "अरुणाचल की वरिष्ठ नागरिकों, विधवाओं और दिव्यांगजनों के लिए राज्य पेंशन — अप्रैल 2025 में ₹300 मासिक बढ़ाई गई, विधवा पेंशन 18 वर्ष से महिलाओं के लिए खुली — 80,000 से अधिक लाभार्थियों को, हालांकि 2026 में पेंशन बकाया की खबरें आईं।",
      "benefit_amount_hi": "मासिक पेंशन; अप्रैल 2025 से +₹300"
    },
    {
      "slug": "chief-ministers-krishi-rinn-yojana-arunachal-pradesh",
      "code": "SS-AR-AGR-001",
      "name": "Chief Minister's Krishi Rinn Yojana (Arunachal Zero-Interest Crop Loan)",
      "level": "state",
      "state": "Arunachal Pradesh",
      "ministry": "Arunachal Pradesh Department of Agriculture",
      "category": "agriculture-rural-environment",
      "audience": [
        "farmers growing short-term crops in Arunachal Pradesh"
      ],
      "summary": "Zero-interest crop loans of up to ₹3 lakh for Arunachal farmers: the state adds a 4% interest subvention on crop loans and Kisan Credit Card limits, plus 3% relief for prompt repayment, targeting 7,500 farmers a year, applied for at any bank with a land-holding certificate.",
      "benefit_amount": "Crop loan up to ₹3 lakh at effectively zero interest",
      "launched": "2017-18",
      "last_verified": "2026-10-08",
      "official_url": "https://arunachalpradesh.gov.in",
      "name_hi": "मुख्यमंत्री कृषि ऋण योजना (अरुणाचल शून्य-ब्याज फसल ऋण)",
      "summary_hi": "अरुणाचल के किसानों के लिए ₹3 लाख तक का शून्य-ब्याज फसल ऋण: राज्य फसल ऋण और किसान क्रेडिट कार्ड सीमा पर 4% ब्याज सहायता जोड़ता है, साथ में समय पर चुकौती पर 3% राहत, प्रति वर्ष 7,500 किसानों का लक्ष्य, किसी भी बैंक में भूमि-धारण प्रमाण पत्र के साथ आवेदन।",
      "benefit_amount_hi": "₹3 लाख तक फसल ऋण, प्रभावी रूप से शून्य ब्याज"
    },
    {
      "slug": "nagaland-state-merit-scholarship",
      "code": "SS-NL-EDU-003",
      "name": "Nagaland State Merit Scholarship",
      "level": "state",
      "state": "Nagaland",
      "ministry": "Nagaland Department of Higher Education",
      "category": "education-learning",
      "audience": [
        "post-matric students from Nagaland with high marks"
      ],
      "summary": "A state-funded merit scholarship for Nagaland students in post-matric courses, applied for on the Nagaland Common Scholarship Portal; the portal's merit window runs from 1 August to 31 October 2026, and third-party listings describe a minimum of 80% (Class 11 and degree) or 70% (B.Ed and PG).",
      "benefit_amount": "Set in the scheme guideline (not published on the portal page)",
      "launched": "State scholarship",
      "last_verified": "2026-10-09",
      "official_url": "https://scholarship.nagaland.gov.in",
      "name_hi": "नागालैंड राज्य मेरिट छात्रवृत्ति",
      "summary_hi": "नागालैंड के मैट्रिकोत्तर पाठ्यक्रमों के विद्यार्थियों के लिए राज्य-वित्तपोषित मेरिट छात्रवृत्ति, जिसके लिए नागालैंड कॉमन स्कॉलरशिप पोर्टल पर आवेदन होता है; पोर्टल पर मेरिट आवेदन 1 अगस्त से 31 अक्टूबर 2026 तक है, और तृतीय-पक्ष सूचियां कक्षा 11 व डिग्री के लिए 80% या बी.एड व पीजी के लिए 70% न्यूनतम बताती हैं।",
      "benefit_amount_hi": "राशि योजना दिशानिर्देश में तय (पोर्टल पृष्ठ पर प्रकाशित नहीं)"
    },
    {
      "slug": "nagaland-skill-entrepreneurship-development-mission",
      "code": "SS-NL-SKL-002",
      "name": "Nagaland Skill & Entrepreneurship Development Mission (NSEDM)",
      "level": "state",
      "state": "Nagaland",
      "ministry": "Nagaland Skill & Entrepreneurship Development Mission (NSEDM)",
      "category": "skills-employment",
      "audience": [
        "Nagaland youth seeking skills, placement or a business"
      ],
      "summary": "Nagaland's mission for market-driven skills, placement and entrepreneurship, run from a project unit in Kohima; the 2026-27 budget gave it ₹5 crore, plus a ₹2 crore seed fund aimed at 1,000 nano women entrepreneurs and ₹50 lakh for an apprenticeship exchange, with detailed guidelines still to come.",
      "benefit_amount": "Skills, placement and entrepreneurship support (guidelines awaited)",
      "launched": "State mission",
      "last_verified": "2026-10-09",
      "official_url": "https://nsedm.nagaland.gov.in",
      "name_hi": "नागालैंड कौशल एवं उद्यमिता विकास मिशन (NSEDM)",
      "summary_hi": "बाज़ार-उन्मुख कौशल, नियुक्ति और उद्यमिता के लिए नागालैंड का मिशन, जो कोहिमा की परियोजना प्रबंधन इकाई से चलता है; 2026-27 के बजट में इसे ₹5 करोड़ मिले, साथ में 1,000 नैनो महिला उद्यमियों के लिए ₹2 करोड़ का सीड फंड और अप्रेंटिसशिप एक्सचेंज के लिए ₹50 लाख, विस्तृत दिशानिर्देश आने बाकी हैं।",
      "benefit_amount_hi": "कौशल, नियुक्ति और उद्यमिता सहायता (दिशानिर्देश प्रतीक्षित)"
    },
    {
      "slug": "andaman-nicobar-old-age-assistance-scheme",
      "code": "SS-AN-SWE-002",
      "name": "A&N Islands Old Age Assistance Scheme (₹2,500 Pension)",
      "level": "state",
      "state": "Andaman & Nicobar Islands",
      "ministry": "Directorate of Social Welfare, A&N Administration",
      "category": "social-welfare-empowerment",
      "audience": [
        "senior citizens aged 60+ in the Andaman & Nicobar Islands"
      ],
      "summary": "A monthly old-age allowance of ₹2,500 for ages 60 to 79 and ₹3,000 from 80, paid to the bank account of senior citizens in the Andaman & Nicobar Islands whose household income is not above ₹4,000 a month and who get no other assistance, applied for offline at the CDPO office.",
      "benefit_amount": "₹2,500 per month (60–79); ₹3,000 per month (80+)",
      "launched": "UT social security scheme",
      "last_verified": "2026-10-09",
      "official_url": "https://andssw1.and.nic.in/socialwelfare",
      "name_hi": "अंडमान-निकोबार वृद्धावस्था सहायता योजना (₹2,500 पेंशन)",
      "summary_hi": "अंडमान-निकोबार द्वीप समूह के उन वरिष्ठ नागरिकों के बैंक खाते में 60 से 79 वर्ष को ₹2,500 और 80 से ₹3,000 मासिक वृद्धावस्था भत्ता, जिनकी पारिवारिक आय ₹4,000 मासिक से अधिक नहीं और जिन्हें कोई अन्य सहायता नहीं मिलती; आवेदन सीडीपीओ कार्यालय में ऑफ़लाइन।",
      "benefit_amount_hi": "₹2,500 प्रति माह (60–79); ₹3,000 प्रति माह (80+)"
    },
    {
      "slug": "andaman-nicobar-widow-destitute-women-allowance",
      "code": "SS-AN-SWE-003",
      "name": "A&N Islands Widow Pension & Destitute Women Allowance",
      "level": "state",
      "state": "Andaman & Nicobar Islands",
      "ministry": "Directorate of Social Welfare, A&N Administration",
      "category": "social-welfare-empowerment",
      "audience": [
        "poor widows and destitute women in the Andaman & Nicobar Islands"
      ],
      "summary": "Two Andaman & Nicobar social welfare schemes that each pay ₹2,500 a month — one to poor widows, one to poor, destitute women — for residents (or those living there over 10 years) with household income up to ₹4,000 a month and no other assistance, applied for offline at the CDPO office.",
      "benefit_amount": "₹2,500 per month",
      "launched": "UT social security scheme",
      "last_verified": "2026-10-09",
      "official_url": "https://andssw1.and.nic.in/socialwelfare",
      "name_hi": "अंडमान-निकोबार विधवा पेंशन एवं निराश्रित महिला भत्ता",
      "summary_hi": "अंडमान-निकोबार की दो समाज कल्याण योजनाएं जो प्रत्येक ₹2,500 मासिक देती हैं — एक गरीब विधवाओं को, एक गरीब निराश्रित महिलाओं को — उन निवासियों (या वहां 10 वर्ष से अधिक रहने वालों) के लिए जिनकी पारिवारिक आय ₹4,000 मासिक तक हो और कोई अन्य सहायता न मिलती हो; आवेदन सीडीपीओ कार्यालय में ऑफ़लाइन।",
      "benefit_amount_hi": "₹2,500 प्रति माह"
    },
    {
      "slug": "andaman-nicobar-disability-allowance-scheme",
      "code": "SS-AN-SWE-004",
      "name": "A&N Islands Disability Allowance Scheme (₹2,500)",
      "level": "state",
      "state": "Andaman & Nicobar Islands",
      "ministry": "Directorate of Social Welfare, A&N Administration",
      "category": "social-welfare-empowerment",
      "audience": [
        "persons with 40%+ disability in the Andaman & Nicobar Islands"
      ],
      "summary": "A monthly disability allowance of ₹2,500 for residents of the Andaman & Nicobar Islands (or those living there over 10 years) with a disability of 40% or more, with no income ceiling and no upper age limit, stopping if the person gets employment; applied for offline at the CDPO office.",
      "benefit_amount": "₹2,500 per month",
      "launched": "Amended 2018",
      "last_verified": "2026-10-09",
      "official_url": "https://andssw1.and.nic.in/socialwelfare",
      "name_hi": "अंडमान-निकोबार दिव्यांग भत्ता योजना (₹2,500)",
      "summary_hi": "अंडमान-निकोबार द्वीप समूह के उन निवासियों (या वहां 10 वर्ष से अधिक रहने वालों) के लिए ₹2,500 मासिक दिव्यांग भत्ता जिनकी दिव्यांगता 40% या अधिक है, कोई आय सीमा और ऊपरी आयु सीमा नहीं, रोज़गार मिलने पर बंद; आवेदन सीडीपीओ कार्यालय में ऑफ़लाइन।",
      "benefit_amount_hi": "₹2,500 प्रति माह"
    }
  ]
}