Find the government schemes your family can claim
Scheme Saathi asks a few simple questions on Telegram, matches you to central and state schemes, and tells you exactly where to apply. In English, हिन्दी or മലയാളം.
- 25
- schemes checked for you
- 3
- languages
- 6
- official portals watched daily
Help exists.
Finding it is the hard part.
Scattered across portals
Every ministry and state runs its own website, each with its own login and its own rules.
Rules written for officials
Eligibility hides in long notifications full of income slabs, categories and exceptions.
Windows that close quietly
Scholarships and internship rounds open for a few weeks a year. Most people hear about them too late.
The schemes you qualify for should find you, not the other way around.
A caseworker in your chat,
available any hour
Matched in about two minutes
Eleven quick questions about age, work, income and family. Tap a button or just type. No forms, no login.
Speaks your language
English, हिन्दी and മലയാളം. Send “language” any time to switch.
Exactly how to apply
Benefits, documents to keep ready and the official link, for every scheme it suggests.
Alerts before deadlines
When a portal opens for people like you, Saathi messages you, then reminds you three days before it closes.
Three steps, one chat
- 1
Say hi
Open Scheme Saathi in Telegram (or WhatsApp), tap Start and pick your language.
- 2
Answer a few questions
Age, state, work, income band and a few yes or no questions.
- 3
Get your schemes
See what you qualify for, how to apply, and get alerts when new windows open.
From PM-KISAN to Kerala
welfare pensions
Saathi checks every scheme below against your answers. New schemes and application windows are added from 6 official portals every morning.
PM-KISAN Samman Nidhi
₹6,000 per year, paid in three instalments of ₹2,000 directly to your bank account.
Ministry of Agriculture & Farmers WelfarePM Kisan Maandhan Yojana
₹3,000 per month pension after age 60. Government matches your monthly contribution.
Ministry of Agriculture & Farmers WelfareAyushman Bharat PM-JAY
Cashless treatment up to ₹5 lakh per family per year at empanelled hospitals.
Ministry of Health & Family WelfareAyushman Vay Vandana (70+)
Up to ₹5 lakh per year of free hospital treatment under Ayushman Bharat.
Ministry of Health & Family WelfarePM Awas Yojana – Gramin
Financial assistance of ₹1.2 lakh (plains) / ₹1.3 lakh (hilly areas) to build a house, plus support for a toilet.
Ministry of Rural DevelopmentPM Awas Yojana – Urban 2.0
Assistance of up to ₹2.5 lakh to build or buy a house, or an interest subsidy on a home loan (family income up to ₹9 lakh).
Ministry of Housing & Urban AffairsPM Ujjwala Yojana
Deposit-free LPG connection with first refill and stove, plus a subsidy on refills.
Ministry of Petroleum & Natural GasSukanya Samriddhi Yojana
High, government-set interest rate with tax benefits. Deposit ₹250 to ₹1.5 lakh a year; the account matures 21 years after opening.
Ministry of FinanceAtal Pension Yojana
Guaranteed pension of ₹1,000–5,000 per month from age 60, based on your contribution.
Ministry of Finance (PFRDA)PM Jeevan Jyoti Bima Yojana
₹2 lakh life cover for a premium of ₹436 per year, auto-debited from your account.
Ministry of FinancePM Suraksha Bima Yojana
₹2 lakh for accidental death or full disability (₹1 lakh partial) for just ₹20 a year.
Ministry of FinancePM Mudra Yojana
Loans up to ₹20 lakh in four stages: Shishu (up to ₹50,000), Kishore, Tarun and Tarun Plus.
Ministry of FinancePM SVANidhi
Collateral-free loans in three tranches (₹15,000, ₹25,000, ₹50,000), 7% interest subsidy, cashback up to ₹1,600 on digital payments, and a RuPay credit card after repaying the second loan.
Ministry of Housing & Urban AffairsPM Vishwakarma
Skill training with ₹500/day stipend, ₹15,000 toolkit incentive, and collateral-free loans up to ₹3 lakh at 5% interest.
Ministry of MSMEPost-Matric Scholarships (SC/ST/OBC/Minority)
Tuition/compulsory fees reimbursed plus a maintenance allowance (family income limits apply, typically ₹2–2.5 lakh).
Ministry of Social Justice / Tribal Affairs / Minority AffairsCentral Sector Scholarship for College Students
₹12,000 per year for graduation and ₹20,000 per year for post-graduation (family income up to ₹4.5 lakh).
Ministry of EducationPM Internship Scheme
At least ₹9,000 per month stipend plus a one-time grant of ₹6,000, and insurance cover (family income up to ₹8 lakh).
Ministry of Corporate AffairsPM Shram Yogi Maandhan
₹3,000 per month pension after age 60. You pay ₹55–200 a month and the government pays an equal amount.
Ministry of Labour & Employmente-Shram Card
A Universal Account Number (e-Shram card) that links you to social-security and welfare schemes for unorganised workers.
Ministry of Labour & EmploymentStand-Up India
Loans from ₹10 lakh to ₹1 crore for a new manufacturing, services, trading or agri-allied business.
Ministry of Finance (SIDBI)Indira Gandhi National Old Age Pension
Central pension of ₹200/month (₹500 from age 80), topped up by most states.
Ministry of Rural Development (NSAP)UDID Card (Disability ID)
One card accepted for all disability benefits — pensions, scholarships, travel concessions and reservations.
Department of Empowerment of Persons with DisabilitiesADIP – Free Aids & Appliances
Full cost of aids covered for lower incomes, partial support up to ₹30,000 monthly income.
Department of Empowerment of Persons with DisabilitiesKerala Social Security Pension
Monthly pension paid by the Government of Kerala to your bank account or at home (family income up to ₹1 lakh).
Government of Kerala – LSGDKarunya Arogya Suraksha Padhathi (KASP)
Cashless treatment up to ₹5 lakh per family per year at empanelled government and private hospitals.
Government of Kerala – State Health Agency
Built so you never
overshare
Scheme Saathi only needs broad facts like your age group and work. It is designed to keep identity documents out of the conversation entirely.
No ID numbers, ever
It never asks for Aadhaar, PAN, bank, card or passport numbers.
Mistakes are caught
If an ID number is sent by mistake, Saathi refuses it and does not store it.
You stay in control
Send “alerts off” to stop messages, or “restart” to clear your answers.
Questions people ask
Is Scheme Saathi a government service?
No. It is an independent assistant that points you to official government portals. You always apply on the official website or at a government help centre.
Which app should I use, Telegram or WhatsApp?
Telegram is the main home of Scheme Saathi: open the bot, tap Start, and it can send you deadline alerts at any time. The same assistant also works on WhatsApp if you prefer it.
Does it cost anything?
No. Using Scheme Saathi is free. Your usual mobile data charges apply.
What information does it ask for?
Your age, gender, state, whether you live in a village or town, your work, family income band, social category, and a few yes or no questions about disability, ration card and children. Nothing that identifies you personally.
Will it ask for my Aadhaar, PAN or bank details?
Never. If someone sends an ID or card number by mistake, Saathi refuses it and does not save that message. Share such details only on the official portal when you apply.
Which schemes does it cover?
25 central and Kerala schemes today, covering farmers, students, women, seniors, workers, housing, health and disability. New schemes and application windows are added by a daily check of official portals.
Can it apply on my behalf?
No. It tells you the benefits, the documents to keep ready and the official link. You can apply yourself or visit a Common Service Centre or Akshaya centre for help.
How accurate is the eligibility check?
It checks the main published rules such as age, income and occupation. The final decision is always made by the department, so treat the result as a strong starting point.
How do I stop alerts or change my answers?
Send “alerts off” to stop notifications, “restart” to answer the questions again, or “language” to switch language.
Find your schemes in
the next two minutes
Free, private, and in the language you are most comfortable with.