Government Schemes

Benefits You Deserve.
Most Never Claim.

India has powerful government schemes that can save you lakhs. Most people never access them — simply because no one explained them clearly. We change that.

Central Government Schemes

8 Schemes That Can Change Your Life

Housing
PMAY — PM Awas Yojana
Interest subsidy up to ₹2.67 Lakh for first-time homebuyers in EWS/LIG/MIG categories. Subsidy credited directly to loan account — reducing principal and monthly EMI from day one.
Who benefits: First-time homebuyers with annual income up to ₹18 Lakh. Property in approved layouts. Woman co-owner preferred for EWS/LIG.
How to access: Apply through your home loan application. We check your eligibility and handle PMAY processing alongside your loan application.
Get PMAY Guidance →
Business
Mudra Yojana
Collateral-free loans up to ₹20 Lakh for small businesses and micro entrepreneurs. Shishu (₹50K), Kishor (₹5L), Tarun (₹10L), Tarun Plus (₹20L). Zero processing fee.
Who benefits: Micro businesses, street vendors, artisans, home-based businesses, small traders. Any Indian citizen above 18 with a viable business idea or existing business.
How to access: Apply through any bank branch or through us. We prepare your Mudra application and submit to the most suitable bank for your profile.
Get Mudra Guidance →
Education
PM Vidya Lakshmi
Single-window portal for education loan applications. Apply to multiple banks with one form. Central sector interest subsidy for students from families with income below ₹4.5 Lakh/year.
Who benefits: Students pursuing higher education at approved Indian institutions. Full interest subsidy during course period for eligible income groups.
How to access: Apply at vidyalakshmi.co.in or through us. We help students navigate the portal and ensure correct bank matching.
Get Education Guidance →
Health
Ayushman Bharat (PMJAY)
₹5 Lakh health coverage per family per year. Cashless hospitalisation at 25,000+ empanelled hospitals. Covers 1,929+ procedures. No premium for beneficiaries — fully government-funded.
Who benefits: Economically weaker sections based on SECC 2011 data. Check eligibility at beneficiary.nha.gov.in using Aadhaar or ration card number.
How to access: Get Ayushman Card from nearest CSC or government hospital. We help eligible families get their card quickly.
Check Your Eligibility →
Business
PMEGP
Prime Minister Employment Generation Programme — margin money subsidy of 15–35% for new manufacturing and service businesses. Up to ₹25 Lakh project cost for manufacturing, ₹10 Lakh for services.
Who benefits: First-generation entrepreneurs, SC/ST, women, ex-servicemen. Minimum 8th pass. For new businesses only — not for expansion of existing.
How to access: Apply through KVIC, KVIB, or District Industries Centre. Attend Entrepreneurship Development Programme after sanction. We guide through the entire process.
Get PMEGP Guidance →
Empowerment
Stand-Up India
Bank loans of ₹10 Lakh to ₹1 Crore for at least one SC/ST and one woman entrepreneur per bank branch. For greenfield enterprises in manufacturing, services, and agri-allied sectors.
Who benefits: SC/ST category entrepreneurs and women entrepreneurs setting up new businesses. First-time business owners are priority.
How to access: Apply directly to any bank branch or through standupmitra.in portal. We prepare your business plan and loan application.
Get Stand-Up India Guidance →
Business
CGTMSE
Credit Guarantee Fund Trust enables banks to lend up to ₹5 Crore to MSMEs without collateral. Bank's risk is covered 75–85% by the trust — making lenders more willing to fund viable small businesses.
Who benefits: Micro and small enterprises (Udyam registered) needing collateral-free credit. Both new and existing businesses. Manufacturing and services eligible.
How to access: Apply for business loan to any bank and request CGTMSE coverage. Annual guarantee fee: 0.37–1.35% of loan amount.
Get CGTMSE Guidance →
Tax Saving
Income Tax Deductions
Strategic use of 80C, 24(b), 80D, 80E, 80EEA, and 10(10D) can save up to ₹7+ Lakh in taxable income per couple annually — through home loans, insurance, and education loans.
Who benefits: Every earning individual with home loans, insurance policies, or education loans. Most people under-claim their tax benefits.
How to access: Plan your investments and loans correctly before year-end. We provide free tax planning guidance for loan and insurance-related deductions.
Get Tax Planning Guidance →
Get Help Applying

We Navigate the
Paperwork For You

Government portals can be confusing. Eligibility criteria change. Documents are not always clear. We handle all of this for you — identifying your eligibility and guiding every step.

✓ We identify which schemes you qualify for
✓ We prepare your documents correctly
✓ We guide through the application portal
✓ We follow up until approval is received
Get Scheme Guidance — Free
We identify your eligibility and guide you through
🔒 Free service. No hidden charges. We only earn when we help you successfully access a loan.
🏛️
Request Received!
Our scheme specialist will call within 2 hours.
Ref:

Information about government schemes is for guidance only. Eligibility criteria are set by respective government authorities and are subject to change. Please verify with the relevant government portal before applying.

Important Legal Notice

For your guidance and assistance only. Srikara Financial Services is an independent financial guidance and assistance platform. We help individuals understand and access loan and insurance products offered by banks, housing finance companies, and registered insurance providers. We do not lend money, we do not underwrite or issue insurance policies, and we do not make credit or underwriting decisions of any kind.

All loan sanctions, disbursals, and credit approvals are made solely by the respective financial institutions based on their own credit assessment policies. All insurance policies are issued solely by the respective registered insurance companies based on their own underwriting criteria. Approval is never guaranteed. Interest rates and premiums shown are indicative and subject to change.

No liability for financial outcomes. Srikara Financial Services and its representatives are not liable for any financial loss, claim rejection, policy lapse, loan default, or any other financial outcome arising from products accessed through our guidance. All financial decisions are the sole responsibility of the customer. We strongly recommend reading all product terms, conditions, and key information documents before making any financial commitment.

Tax information. Tax benefits mentioned are based on prevailing Income Tax Act provisions for resident Indians. Tax rules are subject to change. NRI tax treatment varies by country of residence. Please consult a qualified chartered accountant for personalised tax guidance. This website provides general information only and does not constitute legal, financial, or tax advice.