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Understanding Indian Government Schemes: A 2026 Primer

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The scheme landscape

India runs over 1,200 active government schemes spanning education, entrepreneurship, agriculture, housing and healthcare. The challenge is not availability — its discovery.

Central vs State

Central schemes (NSP, Startup India) apply pan-India. State schemes vary by your domicile state and are usually higher value but lesser known.

Three buckets

  • Scholarships — non-repayable, usually for education
  • Grants — non-repayable, usually for innovation or business setup
  • Loans — repayable, often subsidised

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