How to Check Which Government Schemes You Are Eligible For in India

Who needs this service?

Students: Looking for scholarships, education loans, or skill training.
Farmers: Seeking crop insurance, fertilizer subsidies, or Kisan Credit Cards.
Entrepreneurs/Business Owners: Needing startup funding, MSME loans, or tax benefits.
Senior Citizens/Widows: Checking eligibility for pensions and medical aid.
Unemployed Youth: Searching for employment schemes or unemployment allowances.
Low-Income Families: Applying for housing (PMAY), ration, or health insurance (Ayushman Bharat).

Required Documents

Before you begin the search, keep digital or physical copies of the following ready to verify your eligibility criteria accurately:

Identity Proof: Aadhaar Card (Must be linked to mobile number), Voter ID.
Address Proof: Ration Card, Electricity Bill, or Domicile Certificate.
Financial Proof: Bank Passbook (first page with IFSC), Income Certificate (issued by Tehsildar).
Social Category Proof: Caste Certificate (SC/ST/OBC), Disability Certificate (UDID) if applicable.
Occupation Specifics: Land records (for farmers), Udyam Registration (for businesses), Student ID/Marksheets.

Online Process: Check Eligibility Step-by-Step

The Government of India has launched myScheme, a dedicated “marketplace” that matches your profile with thousands of Central and State schemes.

1. Visit the Official Portal

URL: https://www.myscheme.gov.in
Note: Do not use third-party private websites ending in .com or .org. Look for .gov.in.

2. Start the “Scheme Finder” Tool

On the homepage, click on the button labeled “Find Schemes For You”.
Screenshot description: A clean page asking for basic demographic details. No login is required at this stage.

3. Enter Your Details (The 3-Step Filter)

You will be asked to select options from dropdown menus. Be precise:

Gender: Male / Female / Transgender.
Age: Enter exact age (many schemes have cut-offs like 18-35 or 60+).
State/Area: Select your State and choose “Rural” or “Urban”.
Caste/Category: General / SC / ST / OBC.
Disability: Select “Yes” if you have a valid UDID card.
Economic Status:
- Are you BPL (Below Poverty Line)? (Select “Yes” only if you have a BPL card).
- Family Annual Income: Enter the amount as per your Income Certificate.

4. View Matched Schemes

Click Submit.
The portal will display a list of schemes you are potentially eligible for, categorized by sector (e.g., “Education,” “Agriculture,” “Social Welfare”).
Example: If you entered “Female, 20 years, Student, SC,” you might see schemes like Post-Matric Scholarship or National Overseas Scholarship.

5. Apply for the Scheme

Click on a specific scheme card to read details.
Click “Check Eligibility” again on that specific page to confirm.
Click “Apply Now”. You will be redirected to the specific ministry’s portal (e.g., National Scholarship Portal for students, PMAY MIS for housing) to fill the actual application.

Alternative: Checking Loan Eligibility

For government loans (business, education, agriculture), use the Jan Samarth portal.

Go to: https://www.jansamarth.in
Select Category: (e.g., Education Loan, Agri Infrastructure).
Check Eligibility: Answer 4-5 questions about your income and loan requirement.
Result: It shows available loan schemes and subsidies (like interest subvention) instantly.

Offline Process

If you cannot access the internet or face technical issues, visit the nearest government assistance centers.

1. Common Service Centres (CSC)

Location: Available in almost every Gram Panchayat and urban ward.
Service: The Village Level Entrepreneur (VLE) will check your eligibility on the Digital Seva portal for a nominal fee (approx. ₹20–₹50).
Bring: Aadhaar card and mobile phone.

2. District Welfare Officer

Visit the Samaj Kalyan Vibhag (Social Welfare Department) at the Collectorate for pension and disability schemes.

3. Gram Panchayat Office

Contact the Panchayat Sahayak or Sarpanch for state-specific rural schemes (like MNREGA or Awas Yojana).

How to Check Application Status

Once you apply, tracking is usually done on the specific ministry’s portal, not the general finder.

Scheme Type	Official Tracking Portal
Scholarships	nsp.gov.in (Login > Check Status)
Housing (Urban)	pmaymis.gov.in
Direct Benefit Transfer	pfms.nic.in (Know Your Payment)
Business Loans	jansamarth.in (Dashboard)
Pensions	State-specific portals (e.g., SSPY for UP, Seva Sindhu for Karnataka)

Common Problems and Solutions

1. Error: “Mobile Number Not Linked to Aadhaar”

Problem: Most portals use Aadhaar OTP for login. If your number isn’t linked, you cannot proceed.
Solution: Visit the nearest Aadhaar Seva Kendra or Post Office to update your mobile number. It takes 48-72 hours to update.

2. Error: “Record Not Found” in Status Check

Problem: You might be entering the Application ID incorrectly or the data hasn’t been digitized yet.
Solution: Try searching by “Beneficiary Name” or “Bank Account Number” instead of Application ID. If recently applied offline, wait 15 days for data entry.

3. Error: Income Certificate Expired

Problem: Application rejected because income proof is older than 6 months or 1 year.
Solution: Apply for a fresh Income Certificate via your state’s e-District portal before applying for the scheme.

4. Misspelled Names (Demographic Mismatch)

Problem: Name on Aadhaar matches “Ramesh Kumar” but Bank Passbook says “Ramesh K.”
Solution: Schemes require exact matches. Update your Bank Account name to match your Aadhaar exactly.

5. Site Crashes/Timeout

Problem: High traffic during daytime.
Solution: Access portals between 8:00 AM – 10:00 AM or after 8:00 PM. Use a desktop browser (Chrome/Edge) instead of mobile for better stability.

Official Helplines

Use these contacts for technical issues or guidance. Never share OTPs or PINs over the phone.

myScheme Helpline (National):
- Phone: 011-24303714
- Email: support-myscheme@digitalindia.gov.in
Jan Samarth (Loans):
- Email: customer.support@jansamarth.in
- Phone: +91-79-41057900
UMANG App Support:
- Phone: 1800-11-5246
- Email: customercare@umang.gov.in
National Scholarship Portal:
- Phone: 0120-6619540

This information is from official sources as of January 2026. Always verify details on the official government portal before submitting sensitive documents.

Next Step for You

Would you like me to guide you through the specific eligibility criteria for a particular scheme (like PM Kisan, Ayushman Bharat, or a specific scholarship)?

How to Check Which Government Schemes You Are Eligible For in India