Government Schemes & Missions: Household & Livelihood

Centrally sponsored health assurance scheme launched Sep 2018 giving ~12 crore families cover of Rs 5 lakh a year for secondary and tertiary hospitalisation, cashless at empanelled hospitals; now extended to all citizens aged 70+
~1,929 fixed-rate packages, funded 60:40 by Centre and states. As of Jun 2026 it had authorised ~12.7 crore admissions and approved claims above Rs 1.92 lakh cr

Pradhan Mantri Awas Yojana-Urban 2.0, launched Sep 2024 for five years to 2029, targeting one crore additional urban homes. The Interest Subsidy Scheme is its credit-linked component, replacing the earlier CLSS that lapsed in 2021-22
Eligible EWS, LIG and MIG borrowers get a 4% subsidy on loans up to Rs 8 lakh, capped at Rs 1.80 lakh and paid as five annual instalments of Rs 36,000 credited to the loan account

Pradhan Mantri Kisan Samman Nidhi - income support of Rs 6,000 a year to landholding farmer families, paid as three Rs 2,000 instalments by direct benefit transfer. Launched Feb 2019
About Rs 4.5 lakh cr has been disbursed across 23 instalments; the 23rd, released 20 Jun 2026, transferred ~Rs 18,900 cr to ~9.4 crore farmers. Nearly one beneficiary in four is a woman

The subsidy regime for phosphatic and potassic fertilisers, in place since 2010. Government fixes a subsidy per kilogram of nutrient - nitrogen, phosphorus, potassium and sulphur - rather than per bag, and manufacturers set MRP within that framework
Rates are notified for each kharif and rabi season. Urea sits outside NBS under separate statutory price control, so the two regimes operate side by side

Under the Pradhan Mantri Bhartiya Jan Urvarak Pariyojana, effective Oct 2022, all subsidised fertilisers are sold under a single government brand - Bharat Urea, Bharat DAP, Bharat MOP, Bharat NPK - regardless of maker
Manufacturers may use only one third of the bag for their own name and logo; the remaining two thirds carries the Bharat brand and scheme logo. It applies to public and private companies alike

A one-time special package on di-ammonium phosphate, paid over and above the NBS rate, to hold the retail price at Rs 1,350 per 50 kg bag while landed import cost runs far higher
First announced at Rs 3,500 per tonne for Apr-Dec 2024, then extended from 1 Jan 2025 'till further orders' - an open-ended commitment rather than a fixed-term one

The long-running argument over whether to free urea from statutory price control. Its MRP has been fixed near Rs 242 per 45 kg bag since 2012 against a production cost well above Rs 35,000 a tonne, with the gap met by subsidy
Urea alone absorbs roughly Rs 1.19 lakh cr of a ~Rs 1.68 lakh cr fertiliser subsidy, and sits outside the NBS framework that governs phosphatic and potassic nutrients

Mission announced in the Union Budget 2025-26 to strengthen the seed research ecosystem and speed the development and propagation of varieties with high yield, pest resistance and climate resilience
It targets commercial availability of the large stock of varieties released by public research institutions, which historically reached farmers slowly or not at all

Two linked missions to cut edible oil import dependence. NMEO-Oil Palm (2021, Rs 11,040 cr) expands oil palm area and crude palm oil output; NMEO-Oilseeds (2024, Rs 10,103 cr, to FY31) targets the nine traditional oilseeds
Combined, they aim to raise domestic edible oil production toward ~72% of demand by 2030-31, supported by higher import duties and MSP increases on oilseeds

A credit scoring framework announced in Budget 2025-26 to assess rural and self-help-group borrowers using alternative data - SHG repayment records, government scheme participation, utility and telecom payments - rather than conventional bureau history
It is intended to let formal lenders underwrite borrowers who are invisible to traditional credit scoring

IRDAI's proposed digital public infrastructure for insurance - a single marketplace where customers can compare, buy, service and claim across all insurers, with an electronic policy repository underneath
It is one leg of the Bima Trinity alongside Bima Vistaar, a bundled affordable cover, and Bima Vahak, a women-led rural distribution force. Launch has slipped repeatedly from an originally proposed 2023 date

IRDAI's three-part initiative - Bima Sugam, a digital marketplace; Bima Vistaar, a bundled affordable cover for life, health and property at a target premium near Rs 1,500; and Bima Vahak, a women-led rural distribution force
The stated aim is insurance for all by 2047, against non-life penetration of roughly 1% and overall penetration near 3.7% of GDP

Battery-electric tractors, supported not by a dedicated scheme but through the PLI for Automobiles and Auto Components, whose Advanced Automotive Technology categories cover tractors alongside two-wheelers, cars and commercial vehicles
Participation requires 50% domestic value addition. Models in the 25-60 HP range are in pilot use, typically with 20-30 kWh packs giving six to eight working hours

The Biological Research Regulatory Approval Portal, launched by the Department of Biotechnology in 2022 as a single national gateway for research requiring regulatory clearance across humans, animals, plants and the environment
An applicant answers a short questionnaire, the portal identifies which agencies must approve, and issues a unique BioRRAP ID against which status can be tracked in one place

Central sector scheme approved with an outlay of Rs 1,261 cr for FY24-FY26, providing agricultural drones to women self-help groups to run spraying services for farmers on rental
Central assistance covers 80% of drone and accessory cost up to Rs 8 lakh, with the balance financed under the agri-infrastructure facility at 3% interest subvention; each SHG is expected to service 2,000-2,500 acres a year

Cultivation of oil palm for fresh fruit bunches, crushed within hours of harvest at a nearby mill. The crop takes four to five years to yield and then produces for over two decades, making it a plantation asset rather than a seasonal crop
Under NMEO-OP, area reached ~6.20 lakh ha by Nov 2025 and crude palm oil output roughly doubled over a decade to 3.80 lakh tonnes

Pradhan Mantri Kisan Urja Suraksha evam Utthan Mahabhiyan replaces diesel and grid irrigation pumps with solar. Outlay is around Rs 34,422 cr, with Rs 5,000 cr allocated in Budget 2026-27
Over 10 lakh pumps had been installed or solarised by early 2026, with 4.4 lakh under Component-B in FY25 alone - a 4.2x jump

The national sports policy sets out participation, infrastructure and sports-economy objectives, with Khelo India continuing as the delivery programme for grassroots facilities, academies and competitions
Public spending on stadia, academies and school sports is the main channel through which policy becomes equipment demand