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🤝 Social welfare & EmpowermentState

Bhima Bhoi Bhinnakshyama Samarthya Abhiyan

BBSA is a umbrella scheme under the SSEPD Department, Government of Odisha. The aim of the scheme is to promote inclusivity and empowerment among marginalized communities, particularly focusing on those with disabilities and other forms of social disadvantage.

🤝 Social welfare & EmpowermentState

Bicycle Scheme (HBOCWWB)

The scheme “Bicycle Scheme (HBOCWWB)” was launched by the Haryana Building and Other Construction Workers Welfare Board (HBOCWWB), Labour Department Haryana.

💰The registered worker will be provided ₹3000/- for the purchase of the bicycle.

🎓 Education & LearningState

Bidya Lakshmi Loan

"Bidya Lakshmi" aims to provide education loans for higher studies to children of Assam State Government employees. Benefits include loans up to ₹10,00,000/- at 4% interest, with subsidies for eligible candidates.

💰The State Government provides a loan of ₹5,00,000/- to ₹10,00,000/- at an interest rate of 4%. | - Employees with an annual salary income exceeding ₹4,50,000/- can avail up to ₹10,00,000/- at 4% interest after State Government interest subvention. | - Employees with annual income up to ₹4,50,000/- are eligible under the Credit Linked Subsidy Scheme (CLSS), with 100% subsidy during the moratorium period (course period plus one year). Post-moratorium, the effective interest rate is 4%. | - Loans can be used for course fees, books, computers, educational equipment, and travel expenses (for studies abroad). | - No collateral security or third-party guarantee is required for loans up to ₹10,00,000/-. | - Life insurance policy option available to cover the loan amount. | - Tax rebate under Section 80(E) of the Indian Income Tax Act. | Mode of Disbursement | The loan amount is transferred directly to the educational institution’s account (not to the parent/student). It covers Tuition fees, books, computers, equipment, and travel (for abroad studies). The amount is disbursed in lump sum or installments, as per the institution’s fee structure. | Frequency of Disbursement | Interest is charged monthly, and subsidy amounts are credited back to the individual account upon claim clearance. | Conditions for Disbursement | The utilization certificate must be submitted at the end of the financial year.

🌾 AgricultureState

Bihar Rajya Fasal Sahayata Yojna

The scheme strives to back the farmers with financial incentives in the event of a crop loss due to natural calamities.

💰In case of a reduction in the actual yield rate by 20% as compared to the threshold yield rate, total assistance of Rs. 15,000 is estimated at the rate of Rs. 7,500 per hectare up to a maximum of two (02) hectares. | - In the event of more than a 20% reduction in the actual yield rate as compared to the threshold yield rate, total assistance of Rs. 20,000 is estimated at the rate of Rs. 10,000 per hectare up to a maximum of two (02) hectares.

💼 Business & EntrepreneurshipState

Bihar Startup Policy

This is a policy for entrepreneurs to boost entrepreneurship in the state of Bihar and it was launched in July 2022 .

💰Bihar’s startup policy was launched in Bihar in the month August 2022 to boost entrepreneurship in the state. | - Young Bihar entrepreneurs would get a loan of 10 lacks without interest for ten years. This sum will be allocated as seed money under the Bihar Startup Policy. | - Enhanced incentives of 5 per cent for female entrepreneurs, in addition to a grant of 3 lakh rupees for businesses that participate in “rigorous training for product improvement and finance.” | - In addition to shared office space, there are financial incentives and other amenities available. | - Created a startup platform for young business people in the state of Bihar who is interested in taking advantage of the policies and programs available to them.

🎓 Education & LearningState

Bihar Student Credit Card Scheme

The Bihar Government launched the Bihar Student Credit Card (BSCC) scheme to provide financial aid to applicants to complete their higher education.

💰The eligible students will get the following benefits under this scheme:- | - A maximum loan amount of ₹4 lakh. | - Loan can be availed for polytechnic, technical and general courses. | - This assistance may be utilized for purchasing of books and laptops or pay any kind of fees. | - Repayment of the loan starts once the course has been completed and student have secured a job. | - The interest rate of the loan is 1% for Divyang, transgender, and girl students. | - The recovery procedures are flexible since the loan is government-owned.

🤝 Social welfare & EmpowermentState

Biju Pucca Ghar Yojana

The government of Odisha is committed to providing Pucca houses to all the rural households living in Kutcha houses. State Government with a view to achieving this objective launched “Biju Pucca Ghar Yojana (BPGY)” during the year 2014.

💰Biju Pucca Ghar Yojana (Normal): | - Incentive to the beneficiaries, officials, & CBOs/NGOs involved in the implementation of Biju Pucca Ghar Yojana, Pradhan Mantri Awaas Yojana (Gramin), or any other State-funded Rural Housing Schemes for early completion of houses. | - For completion of the house and IHHL within 4 months of receipt of the 1" instalment, the incentive of ₹ 20,000/- will be paid to the beneficiary. | - For completion of the house and IHHL within 6 months of receipt of the 1" instalment, the incentive of ₹ 10,000/- will be paid to the beneficiary. | The incentive amount is subject to revision by the government from time to time. | - Award for Excellence in rural housing to State/District/Block teams and officers/officials involved in implementation. The eligibility, type, category of the awards and other modalities shall be decided by the Department from time to time. | - The expenditure required for conducting the Award distribution ceremonies at various levels. | - Preparation of IEC material. | - Imparting habitat and housing literacy to beneficiaries. | - Payment of honorarium/incentives to SHGs, CRPs, & CBOs for facilitating the construction of Biju Pucca Ghar Yojana Houses. | - Training of officials. | - Cost of the engraved logo of Biju Pucca Ghar Yojana to be installed by the beneficiaries. | - Others, with approval of PR & DW departments. | - These amounts can be paid through RTGS/NEFT/other electronic modes of payment. | Biju Pucca Ghar Yojana (Special): The unit cost under Biju Pucca Ghar (Special) for the construction of a new Pucca house is ₹ 1,20,000/- for non-IAP districts and ₹ 1,30,000/- for IAP districts. This can be revised by the P.R. and D.W. Department from time to time. | Release of Installments: | The number and amounts of installments may be revised by the Government from time to time. At present, the release of instalments will be as follows: | InstalmentsLevelAmount (IAP District)Amount (Non-IAP District)1st InstalmentOn the date of issuance of the work order ₹ 20,000/-₹ 20,000/-2nd InstalmentOn completion of the plinth₹ 35,000/-₹ 30,000/-3rd InstalmentOn completion of up to roof level₹ 45,000/-₹ 40,000/-4th InstalmentAfter completion of the house in all respects, including the sanitary latrine and beneficiary starts living in the house₹ 30,000/-₹ 30,000/-Total₹ 1,30,000/-₹ 1,20,000/- | - For issuance of a work order, geo-tagged photographs of the beneficiary with her/his Kutcha house and geo-tagged photographs of the beneficiary with the proposed site of construction should be collected. | - All photographs for inspection of houses should be taken and uploaded using AwaasApp developed by Gol or any other such App developed by the State Government. | - The photograph of the beneficiary, her/his Aadhaar UID/ EID, and mobile number should be kept in the case record and uploaded in AwaasSoft. In case the beneficiary does not have a mobile connection/Phone, her/his family/relative/friend’s mobile number provided by the beneficiary should be recorded. | - The 2%, 3 & 4" instalments will be credited to the beneficiary account by the BDO within a week of receipt of the report of the eye estimation, spot verification and Geo-tagged photographic evidence of the stage of construction by the official tagged with the beneficiary concerned. | - The beneficiary will fix the engraved logo of Biju Pucca Ghar Yojana on the front wall of the house indicating the name of the beneficiaries, year of sanction unit cost etc. after which the 4" instalment will be released. | - Funds will be credited to the beneficiary account through Direct Account Transfer using the Public Financial Management System (PFMS).

🏥 Health & WellnessState

Biju Swasthya Kalyan Yojana

Biju Swasthya Kalyan Yojana (BSKY) has been launched by the Department of Health and Family Welfare, Government of Odisha as a path-breaking program to provide universal health coverage, with special emphasis on the health protection of vulnerable families and women.

💰Families having BSKY Smart Health Card/ NFSA/ SFSS card can avail of cashless IPD and Day care treatment for the procedures for which the hospital is empaneled under BSKY within or outside the State up to the annual amount covered. The scheme provides cashless health coverage of ₹5,00,000 per annum per family and an additional ₹5,00,000 for women members of the family after exhaustion of the initial limit at empaneled private hospitals within and outside Odisha. | - PACKAGES | The updated package list under BSKY, as modified from time to time is available on the website www.bsky.odisha.gov.in. About 3% of the total packages are reserved for Government health institutions. About 10% of the packages are under the referral category, which can be availed only on referral by the appropriate authority. | - Reserved Packages | Treatment under these packages is only available in Govt. healthcare facilities. Treatment for minor ailments, and diseases under National Health Programs such as Management of superficial burns, minor injuries, Malaria, Typhoid fever, Gastroenteritis, Diarrhea, Dysentery, Tuberculosis, Urinary Tract Infection, Heat stroke, and surgeries for hydrocele, Abscess drainage, Lipoma and cyst excision and procedures like Dilatation and Curettage and MTP are reserved for Government facilities. | - Referral Package | The updated list of referral packages is available on the website www.bsky.odisha.gov.in. | - Open Packages | Any beneficiary can directly walk into any empaneled private hospital and avail of the treatment under this category of packages if he is found suitable for that package by the treating doctor of the empaneled hospital.

🎓 Education & LearningState

Biju Yuva Sashaktikaran Yojana

The scheme aims to provide financial assistance of ₹30,000/-, which is transferred directly to the bank accounts of 15,000 meritorious +2 students through Direct Benefit Transfer (DBT) for the purchase of a laptop.

💰An amount of ₹30,000/- per student is transferred directly to the bank accounts of 15,000 meritorious +2 students through Direct Benefit Transfer (DBT) for the purchase of laptop.

🤝 Social welfare & EmpowermentState

Bina Mulya Samajik Suraksha Yojana

"Bina Mulya Samajik Suraksha Yojana (BM-SSY)" is a comprehensive social security scheme for unorganized workers in the state of West Bengal, India. It was launched by the West Bengal government in 2017.

💰Provident Fund: The State Government will pay ₹ 55/- ( ₹ 25/- + ₹ 30/-) including the beneficiary and State Grant) per month. On retirement or death, the total amount along with interest is refunded.1. Health And Family Welfare: | - Medical Expenses | - Beneficiaries and their family members receive financial assistance for hospitalization and outdoor treatment of ailments covered under WBHS 2008. | - The maximum annual assistance is ₹ 20,000/-. | - Benefits include full coverage for clinical tests, medicine, and hospitalization. | - In case of hospitalization, the beneficiary receives compensation for loss of employment. | - Surgical Expenses | - Beneficiaries and their family members receive financial assistance for any kind of surgery. | - The maximum annual assistance is ₹ 60,000/-. | - Benefits include full coverage for clinical tests, medicine, and hospitalization. | - In case of hospitalization, the beneficiary receives compensation for loss of employment. | - Additional Provisions | - For accidents requiring hospitalization for five or more days, the beneficiary receives compensation for loss of employment. | - Claims for medical expenses, surgical expenses, and accident-related loss of employment are admissible at government or empaneled hospitals. | - Payment for loss of employment is applicable only to the registered beneficiary, not to family members. | - A financial year is considered a year for availing benefits. | - Death and Disability: To provide social security to the nominees of the beneficiaries under the Yojana, the following benefit would be provided:- | - In cases of death of the beneficiary arising out of an accident : ₹ 2,00,000/- only | - In cases of normal death of the beneficiary : ₹ 50,000/- only : ₹ 50,000/- | - In cases of minimum 40% disability of the beneficiary. The disability should be certified by a Government Hospital. | - In cases of total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of sight of one eye and loss of use of hand or foot : ₹ 2,00,000/- | - In cases of total and irrecoverable loss of sight of one eye or loss of use of one hand or foot : ₹ 1,00,000/- | - Education: Assistance for education will be provided in the following category as per scale given below: | - Class XI - ₹ 4,000/- pa | - Class XII - ₹ 5,000/- pa | - Under training at ITI - ₹ 6,000/- pa | - UG (Arts/Science/Commerce) - ₹ 6,000/- pa | - PG (Arts/Science/Commerce) - ₹ 10,000/- pa | - Polytechnic - ₹ 10,000/- pa | - Medical / Engineering - ₹ 30,000/- pa | - Assistance for completion of UG education or equivalent Skill Development Studies @ ₹ 25000/- each for up to two daughters will be provided. This benefit will however be admissible if the daughter remains unmarried till completion of studies

🎓 Education & LearningState

Biotechnology Post-Doctoral Fellowship

Young researchers with Ph.D. in relevant areas of Biotechnology are promoted for independent research mentored by eminent scientists/faculty in reputed institutions by providing fellowship.

💰The Post-Doctoral Fellowship carries an amount of ₹32,000/- per month + HRA (10%) with an annual contingent grant of ₹50,000/-. | - Candidates who have submitted a thesis for a PhD and are awaiting the award of a PhD, will be paid only ₹22,000/- per month + 10% HRA.

💼 ScienceState

Biotechnology Young Entrepreneur Award

The “Biotechnology Young Entrepreneur Award (BYE)” is a programme to promote commercialisation of bioscience ideas among graduate/post graduate students in Biotechnology and to encourage them to develop biotechnology entrepreneurship.

💰The winning teams will be given cash awards by the Kerala Biotechnology Commission. | - Cash award for winners - first prize ₹1,00,000/-, second prize ₹50,000/- and third prize ₹25,000/-. | - The awardees will be encouraged to establish start-ups through facilitation and support after evaluation and recommendation by an Expert Committee.

💼 Business & EntrepreneurshipState

Biponi Scheme

The objective of the scheme is to support to the Micro & Small enterprises to participate in different trade fairs and events within the State, in the Country and abroad for marketing of their products and also getting the exposure.

🏠 Social welfare & EmpowermentState

Boarding House Stipend Scheme (Tripura Govt.)

The scheme aims to provide accommodation support and reduce dropouts for ST students from remote areas, by offering a stipend per day (including LPG and upkeep) for those in hostels.

💰Boarding House Stipend at ₹ 65/- per day per student, covering LPG subsidy, and sweeping/cleaning at ₹ 1/- per day. | - Provided for 322 days per academic year (approximately 10 months) in an academic year to the students from Class-I to Class-XII who are given accommodation in government-run hostels and approved NGO run Boarding Houses.

🤝 Social welfare & EmpowermentState

Boneej Scheme

"Boneej" a special scheme to assist the rural industries of the state and it was announced by the Hon'ble Finance Minister's in his Budget speech on 26th July, 2016

🎓 Education & LearningState

Border Areas Scholarship

The scheme aims to provide annual scholarships to economically weaker students from border areas, supporting them in pursuing education up to the degree level.

💰Financial assistance in the form of annual scholarships/subsidies. | - Awarded year-wise based on promotion examination results. | - Intended to support education up to the Degree level for students from notified border area villages.

🎓 Education & LearningState

BPL Scholarship for College Students

The scheme “BPL Scholarship For College Students” was implemented by the Department of Higher Education, Government of Chhattisgarh since 2005 to provide financial assistance to meritorious students from BPL category families to meet a part of their day-to-day expenses while pursuing higher studies.

💰The rate of scholarship for Post Graduate Level (PG) students is ₹500/- per month. | - The rate of scholarship for Graduate Level (UG) students is ₹300/- per month. | - The renewal applicants will get a full scholarship i.e. ₹3000 for UG Classes and ₹5000 for PG Classes. | Note 01: The scholarship amount is transferred directly to the student's bank account using the Direct Benefit Transfer (DBT) method. | Note 02: The students are required to seed the Aadhaar with the bank account.

🌾 AgricultureState

Breed Multiplication Farm Entrepreneurship

At present entrepreneurs/farmers interested in taking up dairy programmes are facing difficulties in sourcing disease-free high-yielding heifers or cows and farmers are dependent on either middlemen or other farmers maintaining dairy animals for sourcing their requirement of dairy animals.

🎓 Education & LearningState

Building And Other Construction Scholarship

The Skill Development & Technical Education Department launched the BOC Scholarship on 1 December 2022 so that the students pursuing or undertaking technical education will be able to pursue it finally without facing any kind of financial difficulties.

💰This scholarship offers various opportunities to SC-category students across the world. Under this scheme, the selected students will receive variable financial support from the Odisha government. Under the BOC scholarship, no living costs of the students are covered.

🤝 Social welfare & EmpowermentState

Bus Traveling Facility For Visually Impaired/Bus Concession

The scheme “Bus Traveling Facility for Visually Impaired/Bus Concession” was started by Delhi Social Welfare Department for persons with disabilities. Under the scheme, Delhi Transport Corporation provides facility of free traveling in DTC Buses to the persons with vision impairment.

💰Delhi Transport Corporation provides the facility of free traveling in DTC Buses to persons with vision impairment. | - The applicant having 100% disability will get a 50% concession for their escort/attendant.

🏥 Health & WellnessState

Cancer Suraksha Scheme

The Government of Kerala launched the “Cancer Suraksha Scheme” on 1st November 2008 for children below the age of 18 who suffer from cancer and belong to such families which are too poor to afford treatment. This scheme was launched under Kerala Social Security Mission.

💰Under this scheme, children under 18 years would be given free treatment for cancer through designated Government hospitals in the state. | - The entire cost of treatment, including the cost of investigations, would be borne by the hospitals through the funds provided by the Mission. | - The ceiling of expenditure per child would be initially ₹50,000/-. | Note: The hospital can incur additional expenditure, based on the report of the committee comprising the Oncologist/treating doctor, the Head of the Radiology Department, and the Superintendent, subject to ratification by the Mission.

🎓 Social welfare & EmpowermentState

Cash Award (APB&OCWWB)

The scheme “Cash Award” was started by the Department of Labour and Employment, Govt. of Arunachal Pradesh for the registered workers of Arunachal Pradesh Building & Other Construction Workers Welfare Board (APB&OCWWB).

💰Cash assistance of ₹500/-, ₹750/- and ₹1000/-

🤝 Social welfare & EmpowermentState

Chhattisgarh Mukhyamantri Kanya Vivah Yojana

In view of the difficulty faced by poor families regarding the marriage of the girl child, the Mukhyamantri Kanya Vivah Yojana has been implemented.

💰A financial assistance of up to ₹50,000 per daughter is provided for marriage. | - Up to ₹7,000/- can be given as material assistance. | - ₹35,000/- is provided to the bride through a bank draft. | - Up to ₹8,000/- can be spent on the mass marriage ceremony per beneficiary.

🏥 Health & WellnessState

Chief Minister Arogya Arunachal Yojana

The scheme aims to accord quality and cashless healthcare services to the indigenous people of the state and government employees and reduce out-of-pocket (OOP) expenses during major illness and hospitalization, thereby envisaging universal healthcare for all sections of society.

💰Coverage of up to ₹5,00,000 per family per year. | - Cashless treatments during hospitalization. | - Pre-existing diseases are inclusively covered. | - The scheme encompasses expenses for pre-hospitalization for up to 3 days. | - Post-hospitalization expenses for up to 10 days are covered. | - Hospitalization expenses include: | - Registration Charges, Bed Charges (General Ward), Nursing and Boarding Charges, Surgeons, Anaesthetists, Medical Practitioners, Consultants Fees, etc.. | - Anaesthesia, Blood Transfusion, Oxygen, Operating Theatre (OT) Charges, Cost of Surgical Appliances, etc., Medicines and Drugs, Cost of Prosthetic Devices, Implants, etc., Pathology and Radiology Tests: Radiology to Include but Not Be Limited to X-ray, Magnetic Resonance Imaging (MRI), Computed Tomography (CT) Scan, etc., Diagnosis and Tests, etc., Food for the Patient. | - Pre and Post-hospitalization expenses encompass costs incurred for consultation, diagnostic tests, and medicines before the patient's admission to the hospital. Additionally, it covers the cost of diagnostic tests and medicines up to 10 days post-discharge for the same ailment/surgery. | - All other expenses related to the patient's treatment within the hospital are also covered. | NOTE: In the case the applicant has employment with the state government, the insurance program’s benefits are also available to their dependents.

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