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🎯 Skills & EmploymentCentral

Kendriya Grihmantri Dakshata Padak

The scheme aims to recognize excellent work, promote high professional standards, and boost morale of personnel serving in police forces, security organizations, intelligence units, and forensic science institutions across India.

💰Medal awarded to selected officials/officers. | - Certificate (Scroll) signed by the Union Home Minister. | - National recognition through publication in the Gazette of India (except Intelligence cases). | - Recording of additional achievements through Bars for repeated acts.

🌾 BankingCentral

Kera Suraksha Insurance Scheme

The ‘Kera Suraksha Insurance Scheme’ is a comprehensive Group Personal Accident Insurance Scheme, implemented by Coconut Development Board in association with Public Insurance companies for Coconut Tree Climbers/Neera Technicians/Coconut Harvesters.

💰Components under the scheme and present compensation: | Sl. No.Benefits available - due to accidents onlySum insured1Death/Permanent Total disability₹7,00,000/-2Permanent Partial Disablement ₹3,50,000/-3Hospital expenses reimbursement (minimum 24 hours hospitalization)₹2,00,000/- 4Ambulance charges₹3,500/-5Weekly Compensation in case of TTD₹21,000/- (Maximum 1 claim in a year for a maximum of six weeks @₹3,500/- per week)6Bystander expenses in case of hospitalization₹3,000/- (Maximum for 15 days @ ₹200 per day)7Funeral expenses in case of accidental death (subject to production of bills)₹5,500/-2. For the trainees ongoing the skill development training of the Board viz. Friends of Coconut Tree (FoCT)/Neera Technician Training Programme, the first-year premium is fully borne by the Board from the date of commencement of training.

💼 Business & EntrepreneurshipCentral

Khadi Gramodyog Vikas Yojana: Gramodyog Vikas Yojana

The scheme aims to increase productivity and wages of Khadi artisans, improve production infrastructure, boost employment and sales, revive traditional rural skills, modernize sales outlets, and promote marketing and exports.

💰Assistance provided under different components of Scheme: | Agarbatti Programme under Wellness and Cosmetics Industries (WCI): | - Training Programme in Agarbatti industry. | - Distribution of Pedal operated / Automatic Agarbatti Machinery to trained artisans. | Leather Footwear Activity under Handmade Paper Leather & Plastic Industry (HMPLPI): | - Training on designing and manufacturing of footwear. | - Distribution of machinery and tool kits to trained artisans. | Pottery Activity under Mineral Based Industry (MBI): | - Training on Wheel pottery. | - Distribution of tools and equipment (Electric Potter Wheel, Blunger) to trained artisans. | Beekeeping Activity/Honey Mission Programme under Agro-Based & Food Processing Industries (ABFPI): | - Beekeeping skill development training. | - Distribution of 10 bee boxes with live bee colonies and One set of Tool kit (containing one Knife, Smoker, hive tool and bee veil) to trained beneficiaries. | Waste Wood / Turn Wood Craft /Wooden Toy/Products of Panchgavya under Rural Engineering and New Technology: | - Training on Waste-Wood, Turn-Wood Craft, Wooden Toy and in Panchgavya based Products. | - Distribution of tool kit to all trained artisans. | Hand Made Paper and Fiber related activities under Hand Made Paper, Plastic and Leather Industry: | - Training on Paper Conversion, Paper Plate & Dona(Bowl) making, Paper Mache, Fibre Extraction and fancy article making and Ban making (Two ply). | - Distribution of machinery and tool kits to trained artisans. | Agro- Food Based Food Processing Industries: | - Training on Palm Gur, Tamarind, Fruits & Vegetables, Village Oil, Spices & Condiments, Cane & Bamboo. | - Distribution of machinery and tool kits to trained artisans. | Service Industry: | - Training to Electrician & Plumbers, and DigniTEA(Tea Vending on Bicycle). | - Distribution of tool kits to trained beneficiary.

💼 Business & EntrepreneurshipCentral

Khadi Gramodyog Vikas Yojana: Khadi Vikas Yojana

💰Assistance provided under different components of Scheme: | Modified Market Development Assistance (MMDA): | - Subsidy @ 35% on Prime Cost for Cotton/Muslin, Wool and Polyvastra and @ 20% on Prime Cost for Silk Khadi | Interest Subsidy Eligibility Certificate Scheme (ISEC): | - Khadi Institution is required to pay only 4% interest rate. The difference between the actual Interest charged by the Bank and 4% is borne by the KVIC as “Interest Subsidy”. | Work-shed Scheme for Khadi Artisans: | - Individual workshed (20 Sq. mtrs): ₹1,20,000/- or 75% of the cost of workshed including toilet (90% for NER), whichever is less. | - Group workshed (10 Sq. mtrs per artisans): ₹80,000 or 75% of the cost of the workshed including toilet (90% for NER), whichever is less. | Strengthening Infrastructure of Existing Weak Khadi Institutions and Assistance for Marketing Infrastructure: | - Financial assistance for revival of khadi institution with ceiling limit of ₹15.00 lakh(Capital Expenditure +working fund). | - Financial assistance under Marketing Infrastructure for renovation of departmental sales outlets of KVIC /KVIB and institutional sales with the ceiling limit of ₹25.00 lakh. | Other Components: | - Centre of Excellence for Khadi | - Khadi Quality Assurance | - Marketing(Exhibition) | - Science & Technology (S&T)

💼 BankingCentral

Khadi Karigar Janashree Bima Yojana

A group insurance scheme by MoMSME for khadi artisans (spinners and weavers). The scheme provides insurance cover against normal death, accidental death and disability of the insured member.

🌾 AgricultureCentral

Kisan Credit Card

The Kisan Credit Card (KCC) scheme was introduced in 1998 for issue of Kisan Credit Cards to farmers on the basis of their holdings for uniform adoption by the banks so that farmers may use them to readily purchase agriculture inputs and draw cash for their production needs.

📋 BankingCentral

Kisan Vikas Patra Scheme

‘Kisan Vikas Patra Scheme’ was relaunched in the year 2014 by the Department of Economic Affairs, Ministry Of Finance, Government of India in view of the popular demand and to revitalize Small Savings. The amount invested in Kisan Vikas Patra (KYP) doubles in 115 months at the present rate.

💰The scheme offers an interest rate of 7.5 % compounded annually on investment. | - Amount Invested doubles in 115 months (9 years & 7 months). | - No maximum deposit limit. | - Accounts can be opened in Post offices and in authorized banks. | - KVP can be transferred from one person to another and from one post office to another. | - KVP can be encashed after 2 and half years from the date of investment at the specified rates.

🎓 Education & LearningCentral

Kishore Vaigyanik Protsahan Yojana

The KVPY is a national fellowship program in basic sciences, initiated and funded by the Department of Science and Technology to attract exceptionally motivated students to pursue basic science courses and a research career in science.

💰Scholarships and Awards: | Under this scheme, scholarships and grants are provided to students, offering financial assistance for studies ranging from undergraduate programs (such as B.Sc., B.S., B.Stat., B.Math., Int. M.Sc., M.S.) to postgraduate programs (such as M.Sc. and M.S.). | - For school students (11th & 12th): Scholarship of ₹5,000/- per month and contingency grant of ₹20,000/- per year. | - For undergraduate and postgraduate students: Scholarship of ₹7,000/- per month and contingency grant of ₹28,000/- per year. - For Masters students: Scholarship of ₹7,000/- per month and contingency grant of ₹28,000/- per year. | Note 1: Apart from this scholarship, KVPY scholars are also given opportunities to study and do research in various research institutes, universities and laboratories. | Note 2: KVPY scholars get opportunities to participate in research work in the field of science and technology. | Note 3: Scholars get opportunities to attend various workshops, seminars and conferences, which help in their development. | Note 4: KVPY exam provides students a path to build a promising career in science and research, and it gives them the opportunity to study in the premier science institutes of India.

🌾 AgricultureCentral

Krishonnati Yojana - Sub Mission On Seed And Planting Material (SMSP)

The Sub-Mission on Seeds and Planting Material (SMSP) aims to increase the production of certified / quality seed, increase SRR, upgrade the quality of farm-saved seeds, strengthen the seed multiplication chain, promote new technologies and methodologies in seed production, processing, testing, etc.

🎓 Education & LearningCentral

Land Ports Authority Of India (LPAI) Internship Scheme

The Land Ports Authority of India (LPAI) is pleased to announce its annual internship program for the academic year 2025-26. This program provides a unique opportunity for students and research scholars from BBIN countries (Bhutan, India, Nepal, and Bangladesh) to gain practical experience in LPAI

💰Certificate of Internship | Upon completion of the internship and submission of the report, certificates will be issued to interns by Headquarters, provided the report is countersigned and accepted by the competent authority.

🌾 AgricultureCentral

Livestock Health and Diseases Control

The Livestock Health and Diseases Control (LH&DC) scheme is a Centrally Sponsored Scheme (CSS) implemented by the Department of Animal Husbandry and Dairying (DAHD), Ministry of Agriculture and Farmers' Welfare, Government of India.

💰Improved animal health and productivity: To protect livestock from diseases, which leads to improved animal health and productivity.1. Reduced economic losses: To reduce economic losses to farmers due to livestock diseases.1. Improved food security: To improve food security by ensuring a steady supply of livestock products.1. Increased employment opportunities: To increased employment opportunities in the livestock sector.1. Improved rural livelihood: To improve the livelihoods of rural people who depend on livestock for their income.

🎓 Education & LearningCentral

LLB Internship Programme

Department of Justice introduced an Internship Programme for young law students. The purpose is to well acquaint law students in the field of research & referencing work, in various specialized areas of justice delivery, such as Tele-Law, Nyaya Bandhu etc.

💰Honorarium | The interns may be given an honorarium of ₹ 5,000/- on completion of their internship. | Certificate | On satisfactory completion of the internship, a Certificate of Internship shall be awarded.

🤝 BankingCentral

Loan based Scheme for Pay and Use Community Toilets

The “Pay and Use” Community Toilets Scheme under Swachhta Udyami Yojana by NSKFDC offers concessional loans to Safai Karamcharis and their dependents for setting up public toilet units, promoting sanitation, livelihood, and dignity.

💰Livelihood: Enables Safai Karamcharis to shift from manual scavenging to a respectable, income-generating sanitation business. 1. Collateral-Free, Low-Interest Loan: Offers up to ₹25 lakh without collateral, at just 4% interest (even lower for women and timely repayment). 1. Moratorium period: Six Months in addition to implementation period of six months. 1. Repayment period: 10 Years after implementation period of 180 days and moratorium of 180 days 1. Entrepreneurship Opportunity: Encourages self-employment by allowing beneficiaries to construct and operate public “Pay and Use” toilet units.

🎓 Education & LearningCentral

Loan Based Schemes For Safai Karamchari - Education Loan Scheme (ELS)

An Education Loan scheme by the Ministry of Social justice and Empowerment for Safai Karamchari, Manual Scavengers, and their dependents aged 18 years and above.

💰Educational Loan: | - Upto 90% of the unit cost with a maximum unit cost of ₹ 10.00 lacs for study in India and ₹ 20.00 lacs to study abroad at an interest rate of 4%- 0.5% per annum rebate for women in case of study in India | Repayment period: | - 5 years after the co-termination of the course. However, the interest is payable on a quarterly basis from the disbursement of the loan. | Moratorium period: | - 1 Year | Coverage : | - Education loan may cover the following:- | - Admission Fees & Tuition Fee. | - Books, stationery, and other instruments required for the course. | - Examination Fee. | - Boarding and lodging expenses. | - Insurance premium for the policy.

💼 Business & EntrepreneurshipCentral

Loan Based Schemes For Safai Karamchari - General Term Loan (GTL)

A general term loan scheme by the Ministry of Social justice and Empowerment for Safai Karamchari, Manual Scavengers, and their dependants aged 18 years and above.

💰Term loan: | - Up to 90% of the unit cost with a maximum unit cost of ₹ 15.00 lacs at an interest rate of 6%, for any viable income generating schemes including sanitation-related activities. | Repayment period: | - Up to 10 years after an implementation period of 4 months and a moratorium of 6 months and from the date of loan disbursement depending on the viability/profitability and repaying capacity of the unit. | - A General Term loan can be provided up to a maximum of 90% of the unit cost. The remaining 10% share is to be provided by the State Channelising Agencies in the form of loan, subsidy or promoter’s contribution, or any other available funds sources. | - Promoter’s contribution is not insisted upon for projects costing up to ₹ 2.00 lac | - For projects costing more than ₹ 2.00 lac, the minimum promoter’s contribution insisted by NSKFDC from the beneficiaries is 5%.

💼 Business & EntrepreneurshipCentral

Loan Based Schemes For Safai Karamchari - Sanitary Marts Scheme

A contributory Loan scheme by Ministry of Social justice and Empowerment for individual beneficiaries/self help groups of Liberated Safai Karamchari, Manual Scavengers and their dependants aged 18 years and above, for setting up A Sanitary Marts (SM) is a one-stop-shop for all things for sanitation

💼 Utility & SanitationCentral

Loan Based Schemes For Safai Karamchari - Swachhta Udyami Yojana – Swachhta Se Sampannta Ki Aur

A general term loan scheme by the Ministry of Social justice and Empowerment for Safai Karamchari, Manual Scavengers and their dependants aged 18 years and above for procurement of sanitation-related vehicles.

💼 Business & EntrepreneurshipCentral

Logistics Excellence, Advancement, and Performance Shield

The scheme aims to acknowledge and celebrate best practices and innovations in the logistics industry across sectors. It also aims to promote sustainability, efficiency, and technological advancement in alignment with national logistics initiatives.

💰Trophy/Certificate

🎓 Education & LearningCentral

Long Term Fellowship under the Human Resource Development Programme for Health Research

Long Term Fellowship under the Human Resource Development Programme for Health Research aims to provide advanced training in India and abroad to medical and health research personnel in cutting-edge research areas related to medicine and health.

💰Long-Term Fellowship (6-12 months) in Indian institutes: | - A consolidated stipend of ₹40,000/- per month for a period of stay in the host institute, which is at a different station from the parent Institute. In case, the training is at the same station, the rate of stipend payable will be ₹20, 000/- per month. | - Expenditure on travel will be as per the T.A. rules of the parent organization. | - One-time contingency grant of ₹30,000 (maximum) to meet the expenses of local taxi charges, attending meetings, etc., and ₹20,000/- for attending progress review meetings at DHR. | - The amount (stipend and contingency) will be placed at the disposal of the parent institute for disbursement to the fellow as per the prescribed norms and the parent institute will submit the utilization certificate for the expenditure incurred. | Long-Term Fellowship (6-12 months) in Foreign institutes: | - A consolidated stipend of US $3000/- per month (or equivalent in other foreign currency) for the period of stay in the host institute abroad. May be revised as per the criteria of DBT/DST. | - Cost of air passage in economy class by Air India from the parent institute to the foreign host institute by the shortest possible route. | - One-time contingency grant of ₹50,000 (maximum) to meet the expenses of local taxi charges visa fee and Health insurance, attending meetings, etc., and ₹20,000/- for attending progress review meetings at DHR. | - A grant of US $600 for a period of up to 6 months and US $ 1200 for a period of 6-12 months for attending conferences/institutes of interest may be given with the recommendations of the Guide in the foreign host institute. | - The stipend will be given to the ‘selected fellow’ through a bank transaction. In the beginning, the equivalent amount in Indian Rupees for the first month will be paid to the fellow as an advance stipend. | - The expenditure incurred in the head ‘contingency’ will be reimbursed to a fellow after the production of the original voucher.

🎯 Skills & EmploymentCentral

Mahatma Gandhi National Rural Employment Guarantee Act

An employment scheme by the MoRD, providing provide at least 100 days of guaranteed wage employment in a financial year to every rural household whose adult members volunteer to do unskilled work. Any Indian citizen above the age of 18 years and residing in a rural area can apply to this scheme.

💰The applicant receives guaranteed employment within 15 days from the date of application. | - Work is to be provided within a radius of 5 kilometers of the applicant’s residence if possible, and in any case within the Block. If the applicant lives more than 5 km away from the worksite, he/she will be entitled to a travel and subsistence allowance (10% of the minimum wage). | - Wages are paid within a week, or fifteen days at most. Men and Women are paid equally. | - Shade, drinking water, and first-aid are provided at every worksite. | Exclusive measures for the promotion of the participation of the disabled persons: | - Identification of suitable works | - Mobilization of disabled persons by focussing on awareness and special provisions | - Specifically identified works for disabled persons in the case of large GPs | - Preference to appoint as mates and as workers for providing drinking water, to manage crèches, etc., at the worksites | - Adoption of tools and equipment/facilities at workplaces | - Treating persons with disabilities with respect | - Special drive to ensure 100 days of employment to such households | - Provide a special job card of a distinct color | Specific attention and provisions for Senior Citizens: | - Exclusive senior citizen groups may be formed and special works which require lesser physical effort are identified and allotted to these groups. | Specific attention and provisions for Internally Displaced Persons: | - A special job card to be provided will be valid till these families are displaced and will lose its validity as soon as they return to their original place of residence.

👩 BankingCentral

Mahila Samman Savings Certificate

The scheme “Mahila Samman Savings Certificate” was launched by the Department of Economic Affairs, Ministry of Finance to provide financial security to every girl and woman in India.

💰The scheme provides attractive and secure investment options to all girls and women. | - The scheme offers an attractive and fixed interest of 7.5% interest compounded quarterly with flexible investment and partial withdrawal options with a maximum ceiling of ₹2,00,000/-. | - The tenure of the scheme is two years. | - Interest shall be compounded on a quarterly basis and credited to the account. | Note: The interest payable to the account holder in respect of any account opened or deposit made which is not in consonance with the provisions of this Scheme shall be payable at the rate applicable to the Post Office Savings Account.

💼 Business & EntrepreneurshipCentral

Mahila Samriddhi Yojana

This is a micro-financing programme aiming towards the empowerment of women from underprivileged backgrounds or economically backward areas. Through this scheme, these women can apply for a loan at a nominal interest rate to fulfil their dreams and goals and gain financial independence.

💰It is a microfinance scheme for women with a rebate in interest. Financial Assistance up to the cost of Rs. 1,40,000/- is provided. | - The repayment period is within 3.5 years, in quarterly installments from the date of each disbursement including the moratorium period. | - On repayment of loans under MSY, through the concerned State Channelizing Agencies (SCA), the eligible beneficiaries can avail of any loan under the NSFDC scheme.

🎓 Education & LearningCentral

MANAGE Internship Programme

MANAGE Internship Programme is open to students from the disciplines of Extension Education, Economics, Sociology, Psychology, MSW, Journalism, Communication, and Environmental Science. The internships are open year-round, and the duration ranges from 3 months upto 6 months.

💰Stipend | For 3 months Internship Programme | ₹ 10,000/- per month with free boarding and lodging. | For 6 months Internship Programme | ₹ 35,000/- per month.

💼 Travel & TourismCentral

Marketing Development Assistance Scheme

The Marketing Development Assistance (MDA) Scheme under the Overseas Promotion & Publicity (OPP) Scheme aims to support the promotion and marketing of Indian tourism in overseas markets.

💰For Tourism Service Providers | Financial support for study tours, and participation in travel shows/exhibitions/road shows in overseas markets (organized by the Ministry of Tourism) will be provided up to a maximum of ₹3,50,000/- per case/tour. | Sr. No. Particulars Extent of Support 1Economy class airfare for travel between India to another country and from there to a group of countries by air/rail.90%2Cost of built-up/furnished stall, electricity and water charges, participation fee, etc., at travel fair/exhibitions held overseas.90%3Lodging expenses on overseas tour Max. 5 nights with an upper ceiling of room rate at ₹10,000/- per night. | For Tourism Departments of State Governments / UT Administrations | Financial support for participation in overseas travel shows and exhibitions will be provided as follows: | Sr. No. Particulars Extent of Support1. Cost of built-up/furnished stall, electricity and water charges, participation fee, etc., at travel fair/exhibitions held overseas.Overall ceiling of ₹3,50,000/-. | - Since, the representatives of State Govts and UTs are provided TA/DA by the States/UTs, the provisions of financial assistance towards international air fare and lodging are not applicable to them. | For Tourism Service Providers /Tourism Departments of State Governments / UT Administrations | Financial support for online promotion of tourism destinations and products in overseas markets, including digital content creation, will cover 50% of the total cost, up to ₹1,00,000/- per financial year, subject to actuals.

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