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PM Awas Yojana is the Government of India's flagship housing scheme, built around one goal: a pucca house for every family that does not have one.

Launched on 25 June 2015, it runs through two arms, PM Awas Yojana Gramin for villages and PM Awas Yojana Urban for cities and towns.

A rural family gets ₹1.20 lakh to ₹1.30 lakh in direct assistance to build a house, while an urban family can get an interest subsidy of up to ₹1.80 lakh on a home loan under the new PMAY-U 2.0 phase.

If you are preparing for UPSC or a state PCS, this scheme is a heavy hitter. It sits across GS2 governance and GS3 economy, links to Direct Benefit Transfer, urban planning, and centre-state finance, and it keeps returning in Prelims through small factual tweaks.

If you or your family is a beneficiary, you also need the practical parts, so this guide covers eligibility, online apply, status check, the 2026 list, tracking, and how to download the list, all in plain language.

Subhadra Yojana is Odisha's flagship cash support scheme for women.

Eligible women get ₹10,000 a year, paid in two installments of ₹5,000, straight into their Aadhaar-linked bank accounts. Over five years that adds up to ₹50,000.

The scheme launched in September 2024, is named after Goddess Subhadra, the sister of Lord Jagannath, and by 2026 it reaches over one crore women across the state.

If you are preparing for UPSC or a state PCS, this scheme is a ready-made governance case study.

It sits at the meeting point of women's empowerment, Direct Benefit Transfer, digital financial inclusion, and the wider debate on cash transfers to women.

If you or someone in your family is a beneficiary, you also need the practical parts: how to apply, how to check status, how to find your name in the list, and what the mandatory e-KYC verification means for your payment. This guide covers both, in plain language.

The Jharkhand government’s cash transfer scheme Maiya Samman Yojana gives eligible women ₹2,500 per month directly into their Aadhaar-linked bank account.

Officially called Mukhyamantri Maiya Samman Yojana, it started in August 2024 at ₹1,000 a month and was raised to ₹2,500 in December 2024.

By mid-2026 it covers around 56 lakh women, which makes it one of the largest women-focused welfare programmes any Indian state has ever attempted.

If you are preparing for UPSC or a state PCS, this is exactly the kind of scheme that shows up in Prelims as a one-liner and in Mains as a debate about welfare, state finances, and women's empowerment.

If you or someone in your family is a beneficiary, you also need the practical bits: how to apply, how to check status, and what the new verification rule means for your payment. This guide covers both sides.