Government Schemes for Senior Citizens 2025

Pension schemes, health coverage, tax benefits, investment schemes, and social security programmes for Indians aged 60 and above.

40+
Senior Citizen Schemes
2.5 Cr+
IGNOAPS Beneficiaries
₹1.11 Lakh
PMVVY Max Annual Pension

Overview

India's senior citizen population of over 13.8 crore people has access to a range of central and state welfare schemes — including the Indira Gandhi National Old Age Pension Scheme (IGNOAPS), Pradhan Mantri Vaya Vandana Yojana (PMVVY), Rashtriya Vayoshri Yojana for assistive devices, Ayushman Bharat PM-JAY health coverage, and Senior Citizen Savings Scheme (SCSS) with higher interest rates. This page lists all major government programmes for people aged 60 and above to help you or your family members access entitled support.

Available Schemes (10+)

Pradhan Mantri Awas Yojana (PMAY)

Pradhan Mantri Awas Yojana is a central government housing scheme run by the Ministry of Housing and Urban Affairs. It aims to provide affordable pucca (permanent) houses to poor families in both cities and villages. The scheme offers financial help and loan subsidies to enable low-income families to build or buy their own homes.

Ministry of Housing and Urban AffairsHousing

Pradhan Mantri Ujjwala Yojana

The Pradhan Mantri Ujjwala Yojana is a central government scheme run by the Ministry of Petroleum and Natural Gas. It provides free LPG (cooking gas) connections to women from poor households. The scheme aims to give families access to clean cooking fuel, reduce indoor air pollution, and improve the health of women and children.

Ministry of Petroleum and Natural GasWomen & Child

PM Kisan Samman Nidhi

PM Kisan Samman Nidhi is a central government scheme run by the Ministry of Agriculture & Farmers Welfare. It provides direct cash support to small and marginal farmers across India to help with their farming needs. Every eligible farmer receives ₹6,000 per year, paid directly into their bank account in three equal payments.

Ministry of Agriculture & Farmers WelfareAgriculture

PM Mudra Yojana

PM Mudra Yojana is a central government scheme run by the Ministry of Finance that provides collateral-free micro loans to help individuals start or expand small and micro businesses. The scheme is designed for non-corporate, non-farm entrepreneurs who want to become self-employed. Loans up to ₹10 lakh are available without requiring any collateral or security.

Ministry of FinanceFinancial

Safety Audit

The Safety Audit Scheme is run by the Government of Haryana to help small and medium businesses (MSMEs) improve workplace safety. The scheme supports these enterprises in conducting professional safety audits and purchasing safety equipment. The goal is to create safer working environments and reduce workplace accidents in Haryana.

Health

Junior/Senior Fellowship in the Field of Fine Arts

This fellowship scheme is run by the Sports, Youth and Cultural Activities Department of the Gujarat Government. It provides financial support and recognition to both junior (young) and senior artists working in fine arts disciplines like painting, sculpture, and other visual arts. The scheme aims to encourage artistic innovation, support creative research, and help artists sustain their practice in Gujarat.

Education

State Art Exhibition Competition

The State Art Exhibition Competition is run by the Sports, Youth and Cultural Activities Department of the Government of Gujarat. This scheme aims to promote fine arts and discover artistic talent across the state. It provides recognition, awards, and scholarships to artists, art students, and school children who participate in the competition.

Education

Scheme to Provide Financial Assistance for Translation of Scholarly Works

This scheme provides financial assistance to support the translation of high-quality literary and research works between Gujarati and other Indian languages. It is run by the Government of Gujarat to promote cultural exchange and strengthen literary development across India. The scheme encourages scholars, translators, and publishers to translate important books and academic works to make knowledge accessible to Gujarati-speaking readers and help share Gujarati literature with other language communities.

Financial

Scheme for the Welfare of Schedule Caste Families in Fisheries Sector: Subsidy on 2nd Year to 5th Year Lease Money

This Haryana government scheme helps families belonging to Scheduled Castes enter fish farming as a full-time occupation. It provides financial subsidy to help pay lease money for ponds or watershed areas in years 2 through 5 of operation. The scheme aims to improve the economic situation of SC families by supporting them in the fisheries sector.

Agriculture

PMMSY: Live Fish Vending Centres Scheme - Haryana

The Pradhan Mantri Matsya Sampada Yojana (PMMSY) Live Fish Vending Centres Scheme in Haryana provides financial support to fishers and fish farmers to establish and operate live fish vending centers. This scheme is run by the Department of Fisheries under the Ministry of Fisheries, Animal Husbandry and Dairying. It aims to improve fish marketing infrastructure and help fishers earn better income by selling fresh fish directly to consumers.

Agriculture

Frequently Asked Questions

What is the Indira Gandhi National Old Age Pension Scheme (IGNOAPS)?
IGNOAPS provides monthly pension to BPL citizens aged 60–79 (₹200/month) and aged 80+ (₹500/month). States often top up this amount. To apply, submit Form 2 at your Block Development Office (BDO) or Gram Panchayat with Aadhaar, age proof, BPL certificate, and bank details.
What is Pradhan Mantri Vaya Vandana Yojana (PMVVY)?
PMVVY is a pension scheme for citizens aged 60+ operated by LIC. It provides assured pension of 7.4% per annum on a maximum investment of ₹15 lakh for 10 years. Pension can be paid monthly, quarterly, half-yearly, or annually. Apply at LIC offices or online at licindia.in.
Are senior citizens covered under Ayushman Bharat PM-JAY?
Yes — all citizens aged 70+ are now eligible for health coverage of ₹5 lakh per year under Ayushman Bharat PM-JAY regardless of their income level (expanded in 2024). Download the Ayushman card from the AB PM-JAY app using Aadhaar or mobile number. For below 70, BPL and SECC eligibility applies.
What assistive device support is available for elderly persons with disability?
Rashtriya Vayoshri Yojana (RVY) provides free assistive living devices — walking sticks, elbow crutches, wheelchairs, hearing aids, spectacles, dentures — to BPL senior citizens aged 60+ with age-related disabilities. Apply through the Artificial Limbs Manufacturing Corporation (ALIMCO) at district-level camps.
What is the Senior Citizen Savings Scheme (SCSS)?
SCSS is a 5-year savings instrument for citizens aged 60+ (or 55+ for VRS retirees) offering an interest rate of 8.2% per annum (Q4 FY25). Maximum investment is ₹30 lakh. Available at post offices and designated bank branches. Interest is taxable but there is a TDS threshold benefit under Section 80TTB (₹50,000 deduction).
What income tax benefits are available for senior citizens?
Senior citizens (60–79 years) get a basic exemption of ₹3 lakh (vs ₹2.5 lakh for others). Super seniors (80+) get ₹5 lakh exemption. Additional deductions include ₹50,000 on health insurance premium (Section 80D), ₹50,000 on interest income (Section 80TTB), and higher standard deduction. Senior citizens are exempt from advance tax if they have no business income.