| Expert Note By Sk Jabedul Haque |
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 PIB Notifications, Union Budget 2025 aur Govt Scheme Portals ko analyze kiya hai.
Yeh guide tumhe 2025 ke Top 10 Government Schemes ke bare me sahi information aur next actionable steps degi.
🔍 Direct Answer (In Short)
Agar tum 2025 me sarkari benefits lena chahte ho — chahe woh financial support, subsidy, ya insurance ho — to yeh Top 10 Sarkari Yojana 2025 tumhare liye sabse zyada useful hain:
PM Vishwakarma Yojana 2025
PM Surya Ghar Muft Bijli Yojana
PM Kisan Samman Nidhi Yojana
Ayushman Bharat Yojana (AB-PMJAY)
Sukanya Samriddhi Yojana (SSY)
PM Mudra Loan Yojana
PM Awas Yojana – Gramin & Urban
PM Ujjwala Yojana (Free LPG Scheme)
PM Fasal Bima Yojana (Crop Insurance)
Atal Pension Yojana (APY)
🇮🇳 1. PM Vishwakarma Yojana 2025 kya hai?
Objective: Traditional artisans aur craftsmen ko empower karna.
Launch Year: 2023 (Major updates in 2025 Budget)
Benefits:
₹3 lakh tak collateral-free loan (in 2 tranches)
5% interest subsidy
Skill training + digital toolkit
Eligibility:
Only traditional artisans (carpenters, goldsmiths, blacksmiths, etc.)
Must be registered on official portal
Apply: https://pmvishwakarma.gov.in
☀️ 2. PM Surya Ghar Muft Bijli Yojana
Goal: Har ghar ko solar energy se self-reliant banana.
Benefit: ₹75,000 tak subsidy for rooftop solar panels.
Target: 1 crore homes by 2026.
Apply: https://pmsuryaghar.gov.in
Expert Tip: Agar tum monthly ₹1000 se zyada bijli bill dete ho, to solar subsidy se 5 saal me total cost recover ho sakti hai.
🌾 3. PM Kisan Samman Nidhi Yojana
Benefit: ₹6,000 per year directly in farmer’s bank account.
Frequency: 3 installments of ₹2,000 each.
Coverage: 11 crore+ farmers.
Eligibility: Small & marginal farmers with cultivable land.
Apply: https://pmkisan.gov.in
🏥 4. Ayushman Bharat (PMJAY)
Goal: Health insurance for poor and lower-middle families.
Coverage: ₹5 lakh per family per year.
Network: 25,000+ empaneled hospitals.
Apply: https://pmjay.gov.in
👧 5. Sukanya Samriddhi Yojana
For: Girl child below 10 years.
Interest Rate (2025): 8.2% p.a. (tax-free)
Lock-in: Till girl turns 21 years.
Benefit: Safe long-term saving with tax exemption (Sec 80C).
Apply: Post Office / Bank branches.
💼 6. PM Mudra Loan Yojana
For: Small businesses & startups.
Loan Types:
Shishu: up to ₹50,000
Kishor: ₹50,000 – ₹5 lakh
Tarun: ₹5 – ₹10 lakh
Interest Rate: 7–12% (depending on bank).
Apply: https://mudra.org.in
🏠 7. PM Awas Yojana (Urban & Gramin)
Goal: Housing for all by 2025.
Subsidy: ₹2.67 lakh (urban) & ₹1.2 lakh (rural).
Beneficiaries: EWS, LIG, MIG families.
Apply: https://pmaymis.gov.in
🔥 8. PM Ujjwala Yojana
Benefit: Free LPG connection for women from BPL families.
Update 2025: ₹300 subsidy per cylinder approved.
Apply: https://pmuy.gov.in
🌾 9. PM Fasal Bima Yojana
Goal: Crop insurance to protect farmers against natural disasters.
Premium: 2% for Kharif, 1.5% for Rabi crops.
Coverage: ₹1 lakh crore+ claims settled till 2024.
Apply: https://pmfby.gov.in
💰 10. Atal Pension Yojana (APY)
For: Unorganized sector workers.
Benefit: Pension ₹1,000–₹5,000 per month after 60 years.
Age Limit: 18–40 years.
Apply: Any nationalized bank / post office.
📊 Comparison Table – Top Sarkari Yojana 2025
| Yojana Name | Benefit Type | Max Benefit | Target Group | Apply Link |
|---|---|---|---|---|
| PM Vishwakarma | Loan + Skill | ₹3 lakh | Artisans | pmvishwakarma.gov.in |
| PM Surya Ghar | Subsidy | ₹75,000 | Homeowners | pmsuryaghar.gov.in |
| PM Kisan | Direct Cash | ₹6,000/year | Farmers | pmkisan.gov.in |
| Ayushman Bharat | Health Cover | ₹5 lakh | Poor Families | pmjay.gov.in |
| Sukanya Samriddhi | Savings | 8.2% interest | Girl Child | Post Office |
| PM Mudra | Business Loan | ₹10 lakh | Small Entrepreneurs | mudra.org.in |
| PM Awas | Housing Subsidy | ₹2.67 lakh | EWS/MIG | pmaymis.gov.in |
| PM Ujjwala | LPG Subsidy | ₹300/cylinder | Women (BPL) | pmuy.gov.in |
| PM Fasal Bima | Insurance | Crop loss cover | Farmers | pmfby.gov.in |
| Atal Pension | Pension | ₹5,000/month | Workers | Bank |
❓FAQs (With Schema-Friendly Q&A)
Q1. 2025 me sabse best Sarkari Yojana kaunsi hai?
👉 PM Vishwakarma Yojana aur PM Surya Ghar Yojana dono 2025 me sabse zyada beneficial schemes hain.
Q2. Kya PM Kisan Yojana me registration abhi open hai?
✅ Haan, registration open hai on pmkisan.gov.in.
Q3. Kya mujhe ek se zyada yojana ka benefit mil sakta hai?
✅ Haan, agar eligibility criteria alag ho, to multiple yojanas ka benefit mil sakta hai.
📘 Summary & Action Steps
Key Takeaways:
2025 me government ka focus rural empowerment, green energy, aur financial inclusion par hai.
Har citizen ke liye 1–2 relevant yojanas available hain.
Registration mostly online portal se ho sakta hai.
Action Step:
👉 Apne eligibility check karo aur apply link visit karo.
👉 Bookmark karo: Current Affair for verified scheme updates.
✅ Expert Note:
Written & Verified by: Sk Jabedul Haque
Current Affair – Simplifying Finance, Schemes & Global Markets.
⚠️ Disclaimer:
Yeh article educational purpose ke liye hai.
Investment ya scheme enrollment se pehle official govt site par details verify kar lena zaroori hai.