Government Schemes in India: What You Can Actually Get

When people talk about government schemes, official programs run by the Indian government to support citizens with financial aid, tax benefits, or business support. Also known as public welfare schemes, these are meant to help you build wealth, start a business, or manage taxes without paying extra fees. But most of them aren’t free money—they’re tools. And if you use them right, they can change your financial game.

Take Startup India, a program that helps new businesses get loans, tax breaks, and easier registration without needing collateral. It doesn’t hand out cash, but it lets you borrow up to ₹5 crore through partner banks—with no collateral needed for loans under ₹2 crore. That’s not a handout. That’s a ladder. Or look at PPF, a long-term savings account backed by the government that gives you tax-free returns and beats fixed deposits over time. It’s not flashy, but millions of Indians use it to build retirement funds without risking their money. Then there’s GST, the tax system that replaced dozens of older taxes, making it easier for small businesses to file and claim refunds. If you’re running a shop or selling online, knowing how to claim input tax credit can save you thousands every year.

These schemes aren’t for everyone. You need to meet rules—like staying under income limits, filing paperwork on time, or keeping records. But if you do, they work. A gold loan can help your credit score. A ₹15,000 monthly investment under the 15-15-15 rule can turn into ₹1 crore. Even an NRI’s stay in India affects their taxes, and the government has clear rules for that too. These aren’t random tips. They’re all part of a bigger system designed to help people like you move money smarter.

Below, you’ll find real guides on exactly how to use these schemes—no theory, no fluff. Just how to qualify for a Startup India loan, why PPF beats FD for most people, how GST claims actually get approved, and what you might be missing because you didn’t know the rules. These aren’t guesses. They’re based on what Indian taxpayers and entrepreneurs are doing right now.