Bihar Government Schemes 2026

4-year military service in Indian Armed Forces with ₹30,000-40,000 monthly salary and ₹11.71 lakh tax-free Seva Nidhi on completion

Guaranteed monthly pension of ₹1,000 to ₹5,000 after age 60 — India's most affordable pension scheme for workers in the unorganized sector

Government's massive health infrastructure investment creating Health & Wellness Centers, strengthening district hospitals, and establishing critical care capacity.

World's largest government-funded health insurance: Rs 5 lakh per family per year, completely free, covering 1,929 medical procedures at 35,000+ empanelled hospitals across India. Now expanded to all citizens aged 70+ since 2024.

India's flagship campaign to save the girl child, promote her education, and improve the sex ratio - launched 22 Jan 2015 from Panipat, Haryana

India's flagship digital transformation programme - DigiLocker, UMANG, BharatNet, UPI, BHASHINI and more, transforming 2.18 lakh Gram Panchayats into digital villages

Digital identity card for India's 30+ crore unorganized workers — free ₹2 lakh accident insurance and gateway to all government welfare schemes

5kg free food grains every month per NFSA-eligible person, through Fair Price Shops - extended for 5 years till December 2028

Government of India's rural housing scheme - assistance to build a pucca (permanent) house for SECC-identified rural poor; 2.92 crore houses completed since 2016

India's largest rural water supply mission - free piped tap water connection (FHTC) for every rural household, 55 litres per person per day, target extended to December 2028

One portal to apply for PM Mudra, education loans, Startup India, PM SVANidhi, PMAY subsidy, and 10+ other government credit schemes — no middlemen, no agents

Helps rural Self-Help Group (SHG) women earn over ₹1 lakh annual household income - already crossed 3 crore beneficiaries; new target 6 crore by March 2029

Collateral-free business loan up to ₹20 lakh under new Tarun Plus category - four tiers: Shishu, Kishore, Tarun, Tarun Plus

Market-linked retirement savings with additional ₹50,000 tax deduction beyond 80C — build a retirement corpus and receive monthly pension after 60

Government subsidy of up to ₹2.67 lakh on home loans to make housing affordable for economically weaker sections and middle-income families

Crop insurance at minimal premium — 2% for kharif and 1.5% for rabi crops — protecting farmers against natural calamities, pests, and crop diseases

Free monthly rations for 81 crore poor families across India till December 2028

12-month paid internships across India's top 500 companies with government-backed financial support

Zero-balance savings account with free RuPay debit card, ₹2 lakh accident insurance, and overdraft facility — India's largest financial inclusion drive

₹2 lakh life insurance covering death from ANY cause — illness, accident, or natural — for just ₹436 per year (₹1.19/day)

Short-term agricultural loans at just 4% interest (after government subsidy) — the cheapest borrowing option for Indian farmers

Direct income support of ₹6,000 per year for all landholding farmer families - India's largest Direct Benefit Transfer scheme

Solar energy for farmers — get solar water pumps at 60-90% subsidy and earn money by selling solar power to the grid

Collateral-free loans from ₹50,000 to ₹20 lakh for small businesses, street vendors, artisans, and micro-entrepreneurs — no guarantor needed

Guaranteed ₹3,000/month pension after age 60 for unorganized sector workers — government contributes equally to your monthly deposit

₹2 lakh accidental death and disability insurance for just ₹20 per year — India's cheapest accident cover for all bank account holders

Up to ₹78,000 government subsidy on rooftop solar panels (₹30K for 1kW, ₹60K for 2kW, ₹78K for 3kW) — generate free electricity and zero out your monthly bill

Easy business loans for street vendors with government interest subsidy and digital payment rewards

Free LPG gas connection for women from Below Poverty Line households — eliminating indoor air pollution from traditional cooking fuels

Free skill training, modern toolkits, and collateral-free loans up to ₹3 lakh for traditional artisans and craftspeople across 18 trades

Free skill training and certification in 200+ trades — from IT to plumbing to beauty to accounting — with stipend and placement assistance

8.2% guaranteed interest with quarterly payouts for senior citizens — the safest and highest-return investment option for retirees

Bank loans from ₹10 lakh to ₹1 crore specifically for SC/ST and women entrepreneurs to start greenfield enterprises

Get DPIIT recognition for your startup to unlock 3-year income tax exemption, angel tax relief, fast-track patents, easier compliance, and ₹10,000 crore fund of funds access

Government-backed savings scheme for girl child with 8.2% interest — highest among all small savings schemes, with complete tax exemption

Bihar government provides up to ₹4 lakh education loan at ZERO interest (0% for all students) for higher education — covering tuition, hostel, books, laptop

₹5,000 to ₹51,000 marriage assistance for daughters from low-income families across states