Government Schemes in Lakshadweep

Collateral-free MSE loans upto Rs 5 crore

Benefit: Up to Rs 5,00,00,000

Ministry of MSME

Collateral-free loan up to ₹5 crore

Benefit: Up to Rs 5,00,00,000

Ministry of MSME

Loan up to ₹2 crore with 3% interest subvention for 7 years

Benefit: Up to Rs 2,00,00,000

Ministry of Agriculture & Farmers Welfare

Bank loan Rs 10 lakh–1 crore for SC/ST and women entrepreneurs

Benefit: Up to Rs 1,00,00,000

Ministry of Finance

Margin-money subsidy 15–35% on new micro-enterprise projects (up to Rs 50 lakh)

Benefit: Up to Rs 50,00,000

Ministry of Micro, Small and Medium Enterprises

Up to Rs 50 lakh seed funding

Benefit: Up to Rs 50,00,000

DPIIT

Up to Rs 20 lakh grant + Rs 50 lakh convertible debenture for DPIIT-recognised startups

Benefit: Up to Rs 50,00,000

Department for Promotion of Industry and Internal Trade (DPIIT)

8.2% interest, deposit up to Rs 30 lakh

Benefit: Up to Rs 30,00,000

Ministry of Finance

Collateral-free business loan upto Rs 20 lakh

Benefit: Up to Rs 20,00,000

Ministry of Finance

Loan up to ₹20 lakh, no collateral

Benefit: Up to Rs 20,00,000

Department of Financial Services

Assured 7.4% return for 10 years

Benefit: Up to Rs 15,00,000

Ministry of Finance / LIC

Assured 7.4% return for 10 years

Benefit: Up to Rs 15,00,000

LIC of India

Up to ₹80,000/month + ₹2 lakh research grant/year

Benefit: Up to Rs 11,60,000

Ministry of Education

Collateral-free business loan up to Rs 10 lakh (Shishu / Kishore / Tarun)

Benefit: Up to Rs 10,00,000

Ministry of Finance

Rs 5 lakh/year free hospitalisation cover for every senior citizen aged 70+

Benefit: Up to Rs 5,00,000

Ministry of Health and Family Welfare

Rs 5 lakh/family/year cashless health cover

Benefit: Up to Rs 5,00,000

Ministry of Health & Family Welfare

Rs 5 lakh health cover for all 70+

Benefit: Up to Rs 5,00,000

Ministry of Health & Family Welfare

60% subsidy + 30% loan for solar pumps

Benefit: Up to Rs 5,00,000

Ministry of New & Renewable Energy

Loan up to ₹5 lakh, no collateral

Benefit: Up to Rs 5,00,000

Department of Financial Services

Loan up to Rs 3 lakh at effective 4% interest

Benefit: Up to Rs 3,00,000

Ministry of Agriculture & Farmers Welfare

Rs 15,000 toolkit grant, training stipend, and collateral-free credit up to Rs 3 lakh

Benefit: Up to Rs 3,00,000

Ministry of Micro, Small and Medium Enterprises

Subsidy up to Rs 2.67 lakh on home loan

Benefit: Up to Rs 2,67,000

Ministry of Housing and Urban Affairs

Up to ₹2.35 lakh interest subsidy

Benefit: Up to Rs 2,35,000

Ministry of Housing & Urban Affairs

Free worker ID (e-Shram card) + Rs 2 lakh accident cover via PMSBY

Benefit: Up to Rs 2,00,000

Ministry of Labour and Employment

₹2 lakh accidental insurance + access to all welfare schemes

Benefit: Up to Rs 2,00,000

Ministry of Labour & Employment

7.5% interest, 2-year deposit up to Rs 2 lakh

Benefit: Up to Rs 2,00,000

Ministry of Finance

7.5% p.a. fixed interest on deposits up to Rs 2 lakh, 2-year tenure

Benefit: Up to Rs 2,00,000

Ministry of Finance

Rs 2 lakh life cover at Rs 436/year

Benefit: Up to Rs 2,00,000

Ministry of Finance

Rs 2 lakh accident cover at Rs 20/year

Benefit: Up to Rs 2,00,000

Ministry of Finance

Crop insurance at 1.5-2% premium (5% for horticulture)

Benefit: Up to Rs 2,00,000

Ministry of Agriculture & Farmers Welfare

₹2 lakh life cover at ₹436/year

Benefit: Up to Rs 2,00,000

Department of Financial Services

Rs 2 lakh life cover for Rs 436 annual premium

Benefit: Up to Rs 2,00,000

Ministry of Finance

₹2 lakh accident cover at ₹20/year

Benefit: Up to Rs 2,00,000

Department of Financial Services

Rs 2 lakh accident cover for Rs 20 annual premium

Benefit: Up to Rs 2,00,000

Ministry of Finance

Interest subsidy up to ₹1.8 lakh on home loans

Benefit: Up to Rs 1,80,000

Ministry of Housing & Urban Affairs

7.1% tax-free, 15-year lock-in, EEE status

Benefit: Up to Rs 1,50,000

Ministry of Finance

8.2% tax-free interest, Rs 1.5 lakh/year deposit

Benefit: Up to Rs 1,50,000

Ministry of Finance

Government-backed savings for the girl child, EEE tax status, partial withdrawal at 18

Benefit: Up to Rs 1,50,000

Ministry of Finance

Up to ₹1.4 lakh loan at 4% interest

Benefit: Up to Rs 1,40,000

Ministry of Social Justice & Empowerment

Rs 1.2-1.3 lakh for pucca rural house

Benefit: Up to Rs 1,30,000

Ministry of Rural Development

Up to Rs 1.25 lakh/year for premier institutes

Benefit: Up to Rs 1,25,000

Ministry of Social Justice & Empowerment

Full fee + Rs 230-1200/month allowance

Benefit: Up to Rs 1,20,000

Ministry of Social Justice & Empowerment

Rs 80,000/year for 5 years to science students

Benefit: Up to Rs 80,000

Department of Science & Technology

Upto Rs 78,000 subsidy + 300 units free power

Benefit: Up to Rs 78,000

Ministry of New & Renewable Energy

Up to Rs 78,000 subsidy on a 3 kW rooftop solar installation

Benefit: Up to Rs 78,000

Ministry of New and Renewable Energy

Rs 5000/month stipend + Rs 6000 grant (12 months)

Benefit: Up to Rs 66,000

Ministry of Corporate Affairs

₹5,000/month stipend + ₹6,000 one-time grant

Benefit: Up to Rs 66,000

Ministry of Corporate Affairs

Rs 5,000/month stipend + Rs 6,000 one-time grant for 12-month internship at a top company

Benefit: Up to Rs 66,000

Ministry of Corporate Affairs

Rs 1,000-5,000/month pension after 60

Benefit: Up to Rs 60,000

Ministry of Finance

Free assistive devices (wheelchair, hearing aid etc)

Benefit: Up to Rs 50,000

Department of Empowerment of Persons with Disabilities

₹50,000/year + contingency for AICTE-approved technical courses

Benefit: Up to Rs 50,000

AICTE

Rs 50,000 per hectare over 3 years for organic farming

Benefit: Up to Rs 50,000

Ministry of Agriculture & Farmers Welfare

₹50,000/hectare over 3 years for organic farming

Benefit: Up to Rs 50,000

Ministry of Agriculture & Farmers Welfare

Rs 10K-50K collateral-free loan + 7% subsidy

Benefit: Up to Rs 50,000

Ministry of Housing and Urban Affairs

Loan up to ₹50,000 with no collateral

Benefit: Up to Rs 50,000

Department of Financial Services

100 days guaranteed wage employment/year

Benefit: Up to Rs 38,000

Ministry of Rural Development

Rs 3,000/month pension after age 60

Benefit: Up to Rs 36,000

Ministry of Agriculture & Farmers Welfare

Rs 3,000/month pension after age 60

Benefit: Up to Rs 36,000

Ministry of Labour & Employment

Free training + Rs 1-3K stipend + placement

Benefit: Up to Rs 36,000

Ministry of Social Justice & Empowerment

Rs 15-25K revolving fund + 4% loan for SHGs

Benefit: Up to Rs 25,000

Ministry of Rural Development

Rs 10,000-20,000/year merit scholarship

Benefit: Up to Rs 20,000

Ministry of Education

₹10,000/year for first 3 years, ₹20,000 in PG year

Benefit: Up to Rs 20,000

Ministry of Education

Rs 20,000 one-time on breadwinner death

Benefit: Up to Rs 20,000

Ministry of Rural Development

₹20,000 lump-sum to bereaved BPL families

Benefit: Up to Rs 20,000

Ministry of Rural Development

Monthly pensions Rs 200-500 + Rs 20K NFBS

Benefit: Up to Rs 20,000

Ministry of Rural Development

25% of stipend (max Rs 1500/month) reimbursed

Benefit: Up to Rs 18,000

Ministry of Skill Development & Entrepreneurship

Government shares 25% of apprentice stipend

Benefit: Up to Rs 18,000

Ministry of Skill Development & Entrepreneurship

Rs 12,000/year (Rs 1,000/month)

Benefit: Up to Rs 12,000

Ministry of Education

Rs 5,000 for 1st child + Rs 6,000 for 2nd girl

Benefit: Up to Rs 11,000

Ministry of Women & Child Development

₹5,000–₹6,000 DBT during pregnancy and lactation

Benefit: Up to Rs 11,000

Ministry of Women & Child Development

Zero-balance account + Rs 10K overdraft

Benefit: Up to Rs 10,000

Ministry of Finance / DFS

Zero-balance bank account + RuPay card + overdraft up to Rs 10,000

Benefit: Up to Rs 10,000

Ministry of Finance

Free skill training + certificate + placement

Benefit: Up to Rs 8,000

Ministry of Skill Development & Entrepreneurship

₹200–₹500/month pension to BPL elderly

Benefit: Up to Rs 6,000

Ministry of Rural Development

Rs 6,000/year (Rs 2,000 x 3) direct bank transfer

Benefit: Up to Rs 6,000

Ministry of Agriculture & Farmers Welfare

Guaranteed monthly pension of Rs 1,000–Rs 5,000 from age 60

Benefit: Up to Rs 5,000

Ministry of Finance (PFRDA)

₹300/month pension to BPL widows

Benefit: Up to Rs 3,600

Ministry of Rural Development

Free LPG connection + Rs 300 subsidy per refill

Benefit: Up to Rs 1,600

Ministry of Petroleum & Natural Gas

Rs 600-1,400 cash for institutional delivery

Benefit: Up to Rs 1,400

Ministry of Health & Family Welfare

₹1,400 (rural) / ₹1,000 (urban) cash assistance on institutional delivery

Benefit: Up to Rs 1,400

Ministry of Health & Family Welfare

Cash withdrawal, deposit, balance enquiry, and remittance using only Aadhaar and biometrics.

24% PF contribution subsidy for 2 years for new employees

Ministry of Labour & Employment

Affordable rental units near workplaces

Ministry of Housing & Urban Affairs

Rs 50000 per annum tuition reimbursement and incidental allowance.

Activity-based monthly incentives ranging from Rs 50 to Rs 3000 per task.

Free ABHA health ID + digital health records

Ministry of Health & Family Welfare

Cashless treatment up to Rs 5 lakh per family per year at empanelled hospitals.

Awareness, protection & education support for girls

Ministry of Women & Child Development

Awareness, last-mile delivery of girl-child education benefits

Ministry of Women & Child Development

Pension + education + maternity + medical benefits

Ministry of Labour & Employment

Up to Rs 5 crore credit guarantee, removes need for collateral.

NCVT certification, stipends in some trades, and apprenticeship pathway.

Free training, lodging, certification, and post-placement support in jobs paying minimum wage or higher.

Free skill training + placement for rural youth aged 15–35 from poor families

Ministry of Rural Development

Revolving fund, credit at 7% interest, skill training for SHG members

Ministry of Rural Development

Self-employment, skill training, shelter for urban homeless

Ministry of Housing & Urban Affairs

Project-based financial assistance to NGOs.

Online trading of farm produce, better prices

Ministry of Agriculture & Farmers Welfare

Transparent online price discovery and inter-state trade

Ministry of Agriculture & Farmers Welfare

Maximum sum assured Rs 7 lakh on death of member.

12% retirement savings + 8.25% interest + EPS

Ministry of Labour & Employment

Full medical + 70% wages sickness benefit

Ministry of Labour & Employment

Up to Rs 15000 wage subsidy for first job and EPFO contribution support for new manufacturing hires.

Financial assistance to BPL rural households

Ministry of Rural Development

Monthly old-age pension for BPL seniors aged 60+ (top-up by states)

Ministry of Rural Development

Supplementary nutrition, pre-school education, and growth monitoring.

Free geo-tagged search for branch, ATM, BC, and post office.

Free vocational training in 250+ trades

Ministry of Skill Development & Entrepreneurship

Free maternity care, diagnostics, drugs, transport up to 1 year after birth

Ministry of Health & Family Welfare

Guaranteed 100 days of wage work per rural household per year

Ministry of Rural Development

Awareness, training, and access to govt schemes at block level

Ministry of Women & Child Development

Free vaccination against 12 vaccine-preventable diseases

Ministry of Health & Family Welfare

One-Stop Centers, Shakti Sadan, Sakhi Niwas

Ministry of Women & Child Development

Shelter, counselling, legal aid, medical assistance, and skill linkages.

Grievance redressal, technology, and finance facilitation.

Up to 80% subsidy on certification cost

Ministry of MSME

50-80% subsidy on ZED certification fees

Ministry of MSME

Stipend co-funding paid directly to apprentices via DBT.

Subsidy on bee colonies, equipment and processing units

Ministry of Agriculture & Farmers Welfare

Free job matching, career counselling and skill training

Ministry of Labour & Employment

Planting material subsidy of Rs 29000 per hectare and maintenance support for 4 years.

Rs 15000 per hectare over 3 years for inputs and capacity building.

Tuition fees, maintenance allowance, contingency, travel, and visa support.

Extra Rs 50K tax deduction under 80CCD(1B)

PFRDA / Ministry of Finance

Single portal to apply for central scholarships (pre-matric, post-matric, merit-cum-means, minority)

Ministry of Electronics and IT

Monthly social-security pension for elderly, widows, and PwDs from BPL families

Ministry of Rural Development

Teacher training, learning materials, and assessment for early grades.

Long-term retirement corpus for minors via NPS

Ministry of Finance

Parents open a long-term pension account for a minor; converts to NPS at age 18

Ministry of Finance (PFRDA)

PDS rice/wheat at any FPS across India

Ministry of Consumer Affairs, Food & PD

Free integrated support services for women in distress

Ministry of Women & Child Development

Free medical, legal, psychological, and temporary shelter services.

Up to 55% subsidy for small/marginal farmers, 45% for others

Ministry of Agriculture & Farmers Welfare

Incentive of 3 to 6 percent on incremental sales of goods manufactured in India.

Free hot cooked midday meal for all government-school students (Classes I–VIII)

Ministry of Education

Free hot meal daily (450-700 kcal)

Ministry of Education

Infrastructure, ICT labs, libraries, and quality enhancement.

Collateral-free education loans with interest subvention for eligible students

Ministry of Education

Rs 1.20 lakh in plains and Rs 1.30 lakh in hilly areas, plus MGNREGA wages for construction days.

Central assistance of Rs 1.5 to 2.5 lakh per beneficiary, interest subsidy under CLSS.

Generic drugs at 50 to 90 percent below branded equivalents.

Free 5 kg foodgrains/person/month

Ministry of Consumer Affairs, Food & Public Distribution

Free short-term training + assessment + certification

Ministry of Skill Development & Entrepreneurship

Free short-term skill training + government-recognised certificate (NSQF aligned)

Ministry of Skill Development and Entrepreneurship

Rs 5000 in three instalments for the first child, additional Rs 6000 for a girl second child.

Free hemodialysis sessions at district hospitals

Ministry of Health & Family Welfare

Rs 3000 monthly pension after 60, government matches subscriber contribution.

Free antenatal check-up and tests every 9th of the month

Ministry of Health & Family Welfare

Free LPG connection + first refill + stove for women from poor households

Ministry of Petroleum and Natural Gas

Free screening + tertiary-level treatment up to 18 years

Ministry of Health & Family Welfare

Grants for agri-startups and state-led agri infrastructure projects

Ministry of Agriculture & Farmers Welfare

Free assisted-living devices for BPL senior citizens

Ministry of Social Justice and Empowerment

Free nutrition & pre-school for 0-6 years

Ministry of Women & Child Development

Free uniforms, textbooks, and school infrastructure support for eligible students

Ministry of Education

Free textbooks, uniforms and infrastructure support up to Class 12

Ministry of Education

Improved access to high-quality and market-relevant training

Ministry of Skill Development & Entrepreneurship

Single-window digital portal for skilling, jobs, schemes

Ministry of Skill Development & Entrepreneurship

Free soil health card with fertilizer advisory

Ministry of Agriculture & Farmers Welfare

Improved ITI training quality and industry linkage

Ministry of Skill Development & Entrepreneurship

Up to 50 percent subsidy on machinery, up to 80 percent for SC/ST/women/NER farmers.

Property cards (legal title) for rural residential property

Ministry of Panchayati Raj

Shelter + rehab + vocational training

Ministry of Women & Child Development

Free courses; optional paid certificate exam

Ministry of Education

Free MSME registration, unlocks 40+ benefits

Ministry of MSME

Universal disability certificate + benefits access

Department of Empowerment of Persons with Disabilities

Up to 80 percent subsidy on certification cost, priority in government tenders.