Financial Inclusion Schemes 2026

MUDRA Yojana

मुद्रा योजना

Loans up to ₹10 lakh for micro businesses

Pradhan Mantri MUDRA Yojana provides collateral-free loans up to ₹10 lakh to non-corporate, non-farm micro and small enterprises through three tiers: Shishu (₹50,000), Kishore (₹50,000–5 lakh) and Tarun (₹5–10 lakh).

PM Jan Dhan Yojana

पीएम जन धन योजना

Universal bank account access with RuPay card

PM Jan Dhan Yojana is a financial inclusion program ensuring every household has access to a basic bank account with debit card, accident insurance and overdraft facility. Over 50 crore accounts opened since 2014.

Atal Pension Yojana

अटल पेंशन योजना

Guaranteed ₹1,000-₹5,000 monthly pension

Atal Pension Yojana is a guaranteed pension scheme for unorganized sector workers. Subscribers receive a fixed monthly pension of ₹1,000 to ₹5,000 from age 60, depending on contribution. Government co-contributes for eligible subscribers.

PM Suraksha Bima Yojana

पीएम सुरक्षा बीमा योजना

₹2 lakh accident insurance at ₹20/year

PMSBY is an accidental death and disability insurance scheme providing ₹2 lakh coverage for an extremely low annual premium of ₹20, for bank account holders aged 18–70 years.

Startup / Stand Up India

स्टार्टअप / स्टैंड अप इंडिया

Support for entrepreneurs, SC/ST and women

Startup India supports entrepreneurs with tax benefits, self-certification, funding access and incubation. Stand Up India specifically facilitates bank loans of ₹10 lakh to ₹1 crore for SC/ST and women entrepreneurs for setting up new enterprises.

PM Jeevan Jyoti Bima Yojana

पीएम जीवन ज्योति बीमा योजना

₹2 lakh life insurance at ₹436/year

PMJJBY is a one-year renewable term life insurance scheme offering ₹2 lakh death coverage for an annual premium of just ₹436. It is open to all bank account holders aged 18–50 years.