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Top Modi Government Welfare Schemes | Latest Yojanas Explained

Komal Bajpai

Author

Updated: 23-09-2025 at 5:54 AM

Since 2014, the Modi government has launched many welfare schemes to improve the quality of life of Indian citizens. These government schemes are on employment, education, health, cleanliness, digital access, and rural development. Here’s a definitive list of key welfare schemes launched by the Narendra Modi-led government to develop a stronger and self-reliant India.

Overview

The current government, led by Narendra Modi, has developed a growing number of central government schemes for the various socio-economic challenges in India. These programs aim to empower their citizens, increase development, and provide growth across sectors for all citizens equally:-

Scheme Name	Main Objective	Focus Area
Jan Dhan Yojana	Provide bank access to all	Financial Inclusion
Skill India Mission	Train youth with job-ready skills	Employment
Make in India	Promote manufacturing in India	Industrial Development
Swachh Bharat Mission	Build toilets and promote cleanliness	Sanitation & Hygiene
Sansad Adarsh Gram Yojana	Develop ideal villages	Rural Development
Shramev Jayate Yojana	Improve labour conditions	Labour Welfare
Beti Bachao Beti Padhao	Save and educate the girl child	Women Empowerment
HRIDAY Yojana	Preserve cultural heritage cities	Urban Development
PM Mudra Yojana	Provide loans to small businesses	Entrepreneurship
Ujala Yojana	Distribute affordable LED bulbs	Energy Saving
Suraksha Bima Yojana	Accident insurance at ₹12/year	Social Security
Atal Pension Yojana	Pension scheme for the unorganised sector	Retirement Security
Jeevan Jyoti Bima Yojana	Life insurance at ₹330/year	Social Security
Smart Cities Mission	Develop modern and digital cities	Urban Growth
AMRUT Mission	Improve water, sewer, and transport	Urban Infrastructure

What Is The Central Government Scheme, And Why Is It Needed?

Government schemes are unique programs administered by a central or state government to resolve specific social and economic issues. As a large, diverse country, India has many citizens requiring better jobs, education, health care, and financial support. Government schemes address these problems via:

Reducing poverty.
Increasing living standards.
Increasing employment and skills.
Providing some basic services, such as electricity, water, internet, etc.
Empowering women and increasing youth.

Also Read: Top 10 Government Health Insurance Schemes in India

List Of Important Schemes Launched By The Narendra Modi Government

1. The Jan Dhan Yojana

The Jan Dhan Yojana was launched on August 28, 2014, by the Ministry of Finance, aiming for complete financial inclusion through a bank account for every household in India. The scheme provides zero-balance savings accounts, along with benefits like RuPay debit cards, accident insurance, and overdraft facilities. It helped link millions, especially in rural parts of the country, to formal banking systems and to receive government benefits directly into their accounts.

2. Skill India Mission

The Skill India Mission was launched on July 15, 2015, by the Ministry of Skill Development and Entrepreneurship, to train over 40 crores Indians in various skills by 2022. The mission intends to provide not just skill training but market-relevant skill training by providing schemes like PMKVY, Kaushal Kendras, and Apprenticeships. It involves reducing unemployment and promoting self-employment, particularly amongst India’s youth.

3. Make In India

The Make in India initiative was launched on September 25, 2014, by the Department for Promotion of Industry and Internal Trade (DPIIT), Ministry of Commerce and Industry, to motivate companies to manufacture products in India, while promoting investment in the manufacturing sector. It covers 25 sectors of the economy and intends to transform India into a global manufacturing hub.

4. Mission Swachh Bharat

Launched on 2 October 2014 by the Ministry of Housing and Urban Affairs (Urban) and the Ministry of Jal Shakti (Rural), Swachh Bharat Mission is the largest cleanliness movement in India, covering both rural and urban areas. The two key components are to end open defecation and to improve the management of solid waste. This scheme has led to the construction of millions of toilets and created immense awareness related to sanitation and hygiene.

5. Sansad Adarsh Gram Yojana

Launched on 11 October 2014 by the Ministry of Rural Development, this Sarkari scheme aims to involve Members of Parliament (MPs) who will adopt villages and convert them into model villages. The intention is to develop the listed villages with better infrastructure, education, sanitation, and livelihood, thereby contributing to overall rural development.

Also Read: Top Government Schemes For Girl Child In India

6. Shramev Jayate Yojana

Launched on 16 October 2014 by the Ministry of Labour and Employment, the Shramev Jayate scheme is focused on labour reform, enhancing the ease of doing business and providing welfare for workers. The scope of this scheme includes initiatives like Universal Account Number (UAN), skill development, and simplified labour laws to empower workers and increase transparency.

7. Beti Bachao Beti Padhao

The BBBP initiative was launched on 22 January 2015 by the Ministry of Women and Child Development (MWCD) in collaboration with the Ministry of Health & Family Welfare and the Ministry of Education, to address the declining Child Sex Ratio (CSR) and the growing concern of education and empowerment of the girl child. It is aimed at generating awareness about CSR and improving access, accountability, and implementation of various welfare services for girls.

8. Hridaya Yojana

Launched on 21 January 2015 by the Ministry of Housing and Urban Affairs, HRIDAY (Heritage City Development & Augmentation Yojana) aims at preserving and revitalising the heritage character of the cities in India by promoting heritage-based urban development through the development of infrastructure, sanitation, and accessibility in historic cities like Varanasi & Amritsar.

9. PM Mudra Yojana

Launched on 8 April 2015 by the Ministry of Finance, the Pradhan Mantri Mudra Yojana (PMMY) provides loans up to ₹10 lakhs to non-corporate, non-farm small/micro enterprises in three categories, Shishu, Kishore, and Tarun in a collateral-free manner, intended to help small business owners especially first time entrepreneurs.

10. Ujala Yojana

UJALA was launched on 5 January 2015 by the Ministry of Power (MoP), which focuses on promoting energy efficiency via the distribution of affordable LED bulbs and appliances. The government program is operated by EESL (Energy Efficiency Services Limited), which seeks to reduce electricity bills in households, but also promote environmental sustainability.

Also Read: Top 10 Government Schemes For Disabled Persons In India

11. The Pradhan Mantri Suraksha Bima Yojana

PMSBY (Launch Date 09.05.2015 - Ministry of Finance) is an accidental insurance plan that provides accident insurance for death or full disability to the tune of ₹2 lakh and costs just ₹12 per annum to avail. The government scheme aims at providing the economically weaker section of the population, primarily, the unorganised sector social security and protection from accidental loss of life or capacity.

12. Atal Pension Yojana

APY (Launch Date 09.05.2015 - Ministry of Finance) is a pension scheme for workers in the unorganised sector. Under this scheme, a pension is provided to subscribers on attaining 60 years of age on payment of specified periodic contributions by him/her along with contributions of the Government for eligible subscribers. This scheme got incentivised savings from past savings,25.06.2015- Ministry on a rationed /unit basis.

13. Jeevan Jyoti Bima Yojana, Prime Minister

PMJJBY (Launch date 25.06.2015-Ministry of Finance) is an insurance plan for Life Insurance that takes care of the loss of life by any cause for ₹2 lakh. It costs ₹330 per annum to get coverage for ₹2 lakh. The target group for this scheme is low low-income group, which generally shies away from availing of life insurance plans as there is no money available to them for savings.

14. Smart City Initiative

The Smart Cities Mission (Launch date 25.06.2015- Ministry of Housing and Urban Affairs) seeks smarter cities for smarter citizens. The broad vision is to develop 100 cities across the country by promoting and incorporating smart technology, digital infrastructure and citizen-centric services, smart governance, energy management, transport, and sustainable urbanisation.

15. AMRUT Strategy

Announced on 25 June 2015, at the same time as the Smart Cities Mission, by the Ministry of Housing and Urban Affairs, AMRUT set out to improve urban living conditions by offering a better quality of infrastructure, including water supply, sewerage, public transport, and green space, among various cities. The mission's underlying philosophy is "inclusiveness" and to develop basic urban services.

What More Can Be Done To Change The Life Standards Of The Citizen?

The current schemes are having meaningful impacts on citizens; however, the government can build on these programs creatively and strategically to increase citizen welfare and further India’s progress towards inclusive growth.

Increase access to digital education and telehealth.
Promote renewable energy and electric vehicles.
Increase clean drinking water and waste management.
Enhance partnerships with private sector companies in development (PPP model).
Enhance public services and ensure efficiency through tech-driven solutions.

Conclusion

The purpose of the Modi government's welfare schemes is to create a "New India" where every citizen has equal opportunity. From villages to cities, from students to senior citizens, everyone has a chance to benefit. Citizens should be aware and ensure they use these schemes. The future belongs to them.

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