5 Top Central Schemes 2026: Benefits and How to Apply

September 24, 2026 Panasiabiz News Health, India 0

PM-JAY, Kisan, Awas, Solar

Five Indian central schemes still accept new claims in 2026: hospital cover, farmer cash, a pucca house, rooftop solar, and cashless trauma care after a road crash.

We listed only programmes with a public portal. Use the official links below. State top-ups can add money. They do not replace the central form.

5 Top Central Schemes You Can Still Use in 2026

1. Ayushman Bharat PM-JAY

  • What you get: up to ₹5 lakh a year for hospitalisation per eligible family; all citizens aged 70+ are covered.
  • Who it is for: SECC / state-listed poor families and senior citizens 70 and above.
  • How to apply: beneficiary.nha.gov.in or the Ayushman App. Scheme home: nha.gov.in.

2. PM-KISAN

  • What you get: ₹6,000 a year in three ₹2,000 DBT instalments.
  • Who it is for: eligible landholding farmer families; eKYC is mandatory.
  • How to apply or check: pmkisan.gov.in.

3. Pradhan Mantri Awas Yojana (rural and urban)

  • What you get: rural pucca-house aid (about ₹1.20–1.30 lakh in many areas) or urban construction / interest-subsidy support under PMAY-U 2.0.
  • Who it is for: listed rural households without a pucca house; urban EWS / LIG / notified categories.
  • Rural apply: pmayg.nic.in. Urban apply: pmay-urban.gov.in.
Also Read  Republic Day 2026: Neighbourhoods of Care, Lado Panchayat & MYRADA – Village Voices

4. PM Surya Ghar Muft Bijli Yojana

  • What you get: rooftop solar subsidy of ₹30,000 per kW for the first 2 kW and ₹18,000 for the third kW, capped at ₹78,000; concessional collateral-free loans are also listed on the portal.
  • Who it is for: residential consumers with a grid connection and usable roof space.
  • How to apply: pmsuryaghar.gov.in or consumer login at consumer.pmsuryaghar.gov.in.

5. PM-RAHAT

  • What you get: cashless treatment up to ₹1.5 lakh for seven days after a motor-vehicle road accident.
  • Who it is for: drivers, passengers, pedestrians, cyclists, and bystanders injured on any Indian road.
  • How to apply: no form. Dial 112. Read the scheme on morth.nic.in and hospital listing notes on nha.gov.in. The PM RAHAT module is also inside the m-Parivahan app.
Also Read  CBM India Extends Relief to 2,000 Families in Uttarakhand & Punjab After Floods and Landslides

Keep Aadhaar, a bank account in the same name as the scheme record, and your electricity or land document ready. Names that do not match will freeze PM-KISAN and Surya Ghar payments.

PanAsiaBiz-Square-Logi-Copy
About Panasiabiz News 816 Articles
Panasiabiz News is Hubballi’s premier local research desk, dedicated to original, on-the-ground reporting across Northern Karnataka. Our editorial team focuses on the intersection of civic infrastructure, government recruitment, and regional heritage. By bridging the gap between raw data and community impact, Panasiabiz provides the Hubballi-Dharwad twin cities with a trusted, research-backed perspective on the projects—from Upper Krishna to Smart City initiatives—that are driving the region toward a prosperous 2026.