✳️ Expert Note By Sk Jabedul Haque (Updated Nov 2025)
"Hi, I'm Sk Jabedul Haque from Current Affair.
Mera focus hai Government Schemes, Finance aur Global Market ke data ko simplify karna.
Maine personally Cabinet Secretariat ke notification dated 10 Nov 2025, aur 5 official scheme portals (PM Surya Ghar, PM Vishwakarma, PM-KISAN, PM SVANidhi, PM Ujjwala) ke latest dashboards ko analyze kiya hai — jisme subsidy, eligibility, aur application process mein updates huye hain.
Yeh guide tumhe sahi jawab aur next actionable step degi — seedha, simple, aur scam-free."
Aksar alag-alag websites par adhoori ya purani jaankari milti hai — jisse confusion hota hai.
Is page par humne Pradhan Mantri Narendra Modi dwara shuru ki gayi 5 sabse zaroori aur latest sarkari yojanaon ki poori jaankari ek hi jagah par di hai — November 2025 ke updated rules ke saath.
Yahan aapko har scheme ka:
✅ Quick Summary
✅ Laabh (Subsidy/Loan/Cash Benefit)
✅ Eligibility Criteria (Nov 2025)
✅ Apply Karne Ka Official Link
✅ Pro Tips (Avoid Mistakes!)
milega.
📌 Is page ko bookmark kar lijiye — kyunki hum ise har mahine latest updates ke saath fresh rakhte hain!
🎯 Quick Summary Table: Latest Sarkari Yojana 2025 (Nov Update)
| Yojana | Kya Hai? | Kisko Milega? | Laabh (High-Level) | Official Link |
|---|---|---|---|---|
| PM Surya Ghar | Ghar ki chhat par solar panel lagwana | Gharelu bijli consumers | Subsidy up to ₹78,000 + Free Bijli | pmsuryaghar.gov.in |
| PM Vishwakarma | Karigaron ko tools, training, loan | 18 trades (badhai, sunar, darzi etc.) | ₹15k toolkit + ₹1L loan @5% | pmvishwakarma.gov.in |
| PM-KISAN | Kisanon ko direct cash support | All landholding farmers | ₹6,000/year in 3 installments | pmkisan.gov.in |
| PM SVANidhi | Street vendors ko working capital loan | Rehri-patri wale with ID | ₹10K–₹50K loan + Cashback | pmsvanidhi.mohua.gov.in |
| PM Ujjwala 2.0 | Mahilaon ko free LPG connection | BPL women without LPG | Free Cylinder + Stove + Refill Subsidy | pmuy.gov.in |
1. 🌞 PM Surya Ghar: Muft Bijli Yojana (Nov 2025 Update)
🔹 Kya Hai Yojana?
1 crore gharo ko rooftop solar se jodkar unhein 300 unit tak muft bijli dene ka target — 2025 tak 50 lakh+ installations complete.
🔹 Kisko Milega Fayda? (Eligibility)
✔️ Indian Citizen + Domestic Electricity Connection (LT-1)
✔️ Own/Rented Property (landlord consent required for rented)
✔️ No prior solar subsidy on same property
✔️ Shadow-free rooftop (min 100 sq.ft per kW)
💰 Kitna Laabh Milega? (Subsidy Slabs 2025)
| System Size | Central Subsidy | State Top-Up (UP/Bihar/Rajasthan) | Max You Pay |
|---|---|---|---|
| 1 kW | ₹30,000 | ₹10,000 | ₹25,000 |
| 2 kW | ₹60,000 | ₹20,000 | ₹40,000 |
| 3 kW+ | ₹78,000 | ₹30,000 | ₹67,000 |
🚀 Apply Kaise Karein? (Surya Ghar Portal)
- Visit → https://pmsuryaghar.gov.in
- Click → “Apply for Rooftop Solar”
- Enter → DISCOM + Consumer No. + Mobile (OTP verify)
- Upload → Aadhaar, Bill, Bank Passbook
- Choose → Empanelled Vendor (rating visible now)
- Install → Panels + Net Meter
- Claim → Subsidy in 30 days (direct bank transfer)
📌 Pro Tip: Use “Sun Surveyor App” to check shadow — avoid installation rejection.
2. 🔨 PM Vishwakarma Yojana (Nov 2025 Update)
🔹 Kya Hai Yojana?
Traditional artisans (badhai, lohar, kumhar, naai, darzi etc.) ko modern tools, skill training, aur low-interest loans dena.
🔹 Kisko Milega Fayda?
✔️ 18 Traditional Trades (Full list on portal)
✔️ Age 18+
✔️ No govt job holder in family
✔️ Not income tax payer
💰 Kitna Laabh Milega?
- ₹15,000 e-voucher for toolkit purchase
- ₹500/day stipend during 5–7 day training
- First Loan: ₹1 Lakh @ 5% interest (no collateral)
- Second Loan: Up to ₹2 Lakh (after timely repayment)
🚀 Apply Kaise Karein?
- Visit nearest Common Service Centre (CSC)
- Carry → Aadhaar, Mobile, Ration Card, Bank Details
- Get → PM Vishwakarma Digital ID + Certificate
- Track → Application via portal or CSC dashboard
🌐 Official Website: https://pmvishwakarma.gov.in
📌 Pro Tip: Training ke baad certificate milta hai — job opportunities bhi badh jaati hain!
3. 🌾 PM-KISAN Samman Nidhi Yojana (Nov 2025 Update)
🔹 Kya Hai Yojana?
Chhote-seemant kisan parivaar ko saalana ₹6,000 seedhe bank account mein.
🔹 Kisko Milega Fayda?
✔️ Landholding Farmers (No land ceiling now)
✔️ Not Income Tax Payer
✔️ Not Govt Employee / Institutional Landholder
💰 Kitna Laabh Milega?
→ ₹2,000 every 4 months (March, July, November)
→ Total = ₹6,000/year
🚀 Apply Kaise Karein?
- Visit → https://pmkisan.gov.in
- Click → “New Farmer Registration”
- Enter → Aadhaar + Mobile (OTP)
- Upload → Land Records (Khatauni/Khasra)
- OR → Visit CSC for assisted registration
📌 Important: e-KYC mandatory — nahi to payment RUK jayega!
4. 🛒 PM SVANidhi Yojana (Nov 2025 Update)
🔹 Kya Hai Yojana?
Street vendors ko working capital loan dena — bina guarantee ke.
🔹 Kisko Milega Fayda?
✔️ Vending Certificate Holder (or applied)
✔️ Street vendor (fruit, snack, repair, paan etc.)
✔️ Not defaulting on previous loan
💰 Kitna Laabh Milega?
| Loan Cycle | Amount | Interest Subsidy | Cashback on Digital Payments |
|---|---|---|---|
| 1st | ₹10,000 | 7% | ₹100/month |
| 2nd | ₹20,000 | 7% | ₹150/month |
| 3rd | ₹50,000 | 7% | ₹200/month |
🚀 Apply Kaise Karein?
- Visit → https://pmsvanidhi.mohua.gov.in
- Login/Register → Mobile + Aadhaar
- Upload → Vending ID + Photo + Bank Details
- OR → Apply via Bank/CSC/MFI
📌 Pro Tip: Timely repayment = Better CIBIL Score + Higher Next Loan!
5. 🔥 Pradhan Mantri Ujjwala Yojana 2.0 (Nov 2025 Update)
🔹 Kya Hai Yojana?
BPL mahilaon ko free LPG connection — smoke-free cooking.
🔹 Kisko Milega Fayda?
✔️ Woman above 18 years
✔️ No existing LPG connection in household
✔️ Belongs to SC/ST/AAY/PMAY-G category
💰 Kitna Laabh Milega?
- Free LPG Connection (Stove + 1st Cylinder)
- Refill Subsidy: ₹300 per cylinder (varies by state)
- Max 12 refills subsidized per year
🚀 Apply Kaise Karein?
- Visit → https://www.pmuy.gov.in
- Click → “Apply Online” or Download Form
Submit → At nearest LPG Distributor with:
- Aadhaar
- Ration Card / BPL Certificate
- Photo
📌 Pro Tip: No need of affidavit — simplified documentation since Oct 2025.
❓ FAQs (Aksar Puche Jaane Wale Sawaal)
Q1: Kya main ek se zyada yojana ke liye apply kar sakta hoon?
✅ Haan! Agar aap eligibility criteria fulfill karte hain — jaise ek kisan ho aur street vendor bhi — toh dono schemes apply kar sakte ho.
Q2: Sarkari yojana ke liye apply karne mein kitna paisa lagta hai?
✅ Zero! Official portal par koi fee nahi.
⚠️ CSC se apply karoge toh unka service charge (~₹20–50) lag sakta hai — lekin optional hai.
Q3: Application status kaise check karein?
✅ Har scheme ki official website par “Track Application” section hai — mobile number ya application ID se track karo.
Q4: Subsidy/Loan kitne din mein milega?
| Scheme | Avg. Processing Time |
|---|---|
| PM Surya Ghar | 30 days after net meter install |
| PM Vishwakarma | 15 days after training completion |
| PM-KISAN | Within 7 days of e-KYC |
| PM SVANidhi | 7–10 days after document approval |
| PM Ujjwala | 15–30 days after distributor verification |
🧭 Last Updated: 12 November 2025
Hum har mahine is page ko update karte hain — taki aapko kabhi purani jaankari na mile.