Government schemes are one of the most scoring topics in Indian competitive exams. Bank exams (IBPS, SBI, RBI), SSC and state PSC papers ask about central government schemes almost every year. The questions are simple if you know the facts,
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Quiz on the key central government financial schemes, Jan Dhan, Mudra, PM Kisan, Atal Pension and Stand Up India. Built for bank and SSC exam aspirants.
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Government schemes are one of the most scoring topics in Indian competitive exams. Bank exams (IBPS, SBI, RBI), SSC and state PSC papers ask about central government schemes almost every year. The questions are simple if you know the facts, but they need to be exact. Examiners love to test the launch year, the ministry in charge, the target group and the benefit amount. A small mix-up, like saying 2014 instead of 2015, can cost you the mark.
This Quizzory quiz covers the big central schemes that matter for exams. It is grouped by theme, financial inclusion, insurance and pension, agriculture, housing, women and child, and employment and skills. Every fact here has been checked against official sources like PIB and scheme websites. Attempt the quiz, see where you slip on years and amounts, and fix those gaps before the exam.
Pradhan Mantri Jan Dhan Yojana (PMJDY) is the flagship financial inclusion scheme. It was launched on 28 August 2014 under the Ministry of Finance. The target group is unbanked households, and the benefit is a zero balance bank account with a RuPay debit card, accident insurance cover and overdraft facility. It is the world's largest financial inclusion programme, and more than half the accounts belong to women.
Pradhan Mantri Mudra Yojana (PMMY) was launched in April 2015 to fund small and micro businesses that do not get bank loans easily. It gives collateral free loans in slabs, Shishu (up to Rs 50,000), Kishore (Rs 50,000 to Rs 5 lakh) and Tarun (Rs 5 lakh to Rs 10 lakh). In 2024 the limit was raised, and a Tarun Plus slab now goes up to Rs 20 lakh.
Exam tip, do not confuse PMJDY (bank accounts) with Mudra (business loans). Both came in 2014 to 2015 under the Ministry of Finance, so the year and the purpose are the common test points.
Three Jan Suraksha schemes were launched together on 9 May 2015 from Kolkata under the Ministry of Finance. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is life insurance that pays Rs 2 lakh to the nominee on death from any cause. Pradhan Mantri Suraksha Bima Yojana (PMSBY) is accident insurance that pays Rs 2 lakh for accidental death or full disability and Rs 1 lakh for partial disability, at a premium of just Rs 12 per year (revised over time).
Atal Pension Yojana (APY), also launched on 9 May 2015, is a pension scheme for workers in the unorganised sector. It gives a guaranteed monthly pension of Rs 1,000, Rs 2,000, Rs 3,000, Rs 4,000 or Rs 5,000 after the age of 60, based on how much the person paid in.
Exam tip, all three share the same launch date (9 May 2015). Questions usually swap the benefit amounts between PMJJBY and PMSBY, so remember both pay Rs 2 lakh but one is for any death (PMJJBY) and one is for accidental death (PMSBY).
Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) was launched in February 2019 under the Ministry of Agriculture and Farmers Welfare. The target group is land holding farmer families. The benefit is Rs 6,000 per year, paid in three equal instalments of Rs 2,000, straight into the bank account. This is income support, not a loan, so it does not have to be paid back.
Pradhan Mantri Fasal Bima Yojana (PMFBY) is the crop insurance scheme, launched on 18 February 2016 under the same ministry. It protects farmers against crop loss from natural causes. The farmer pays a small premium, 2 percent for Kharif crops, 1.5 percent for Rabi crops and 5 percent for commercial and horticultural crops, while the rest is paid by the government.
Exam tip, PM-KISAN is 2019 and gives Rs 6,000 a year, PMFBY is 2016 and is crop insurance. The premium percentages of PMFBY (2 percent Kharif, 1.5 percent Rabi) are a favourite question.
Pradhan Mantri Awas Yojana (PMAY) was launched in 2015 with the goal of Housing for All. It has two parts. PMAY-Urban (launched June 2015) is run by the Ministry of Housing and Urban Affairs, and PMAY-Gramin (launched November 2016) is run by the Ministry of Rural Development.
Under PMAY-Gramin, the assistance is about Rs 1.20 lakh per house in plain areas and about Rs 1.30 lakh in hilly states, the North East, and difficult areas like Jammu and Kashmir and Ladakh. The urban part gives an interest subsidy on home loans through the Credit Linked Subsidy Scheme (CLSS).
Exam tip, remember the two ministries are different (Urban affairs for the city part, Rural development for the village part). The Gramin benefit amounts, Rs 1.20 lakh and Rs 1.30 lakh, are commonly asked.
Sukanya Samriddhi Yojana (SSY) and Beti Bachao Beti Padhao (BBBP) were both launched on 22 January 2015 from Panipat, Haryana. BBBP is a campaign to save and educate the girl child, run jointly by the Ministry of Women and Child Development, the Ministry of Health and Family Welfare, and the education ministry. SSY is a small savings scheme for a girl child below 10 years, to build a fund for her education and marriage, with a small minimum deposit and a high interest rate.
Pradhan Mantri Ujjwala Yojana (PMUY) was launched on 1 May 2016 from Ballia, Uttar Pradesh, under the Ministry of Petroleum and Natural Gas. It gives free LPG (cooking gas) connections to women from below poverty line (BPL) households, with support of about Rs 1,600 per connection, so families move away from firewood and coal.
Exam tip, SSY and BBBP share the launch date 22 January 2015. Ujjwala is 2016 and the ministry (Petroleum and Natural Gas) is the trick part, since people expect Women and Child Development.
Pradhan Mantri Kaushal Vikas Yojana (PMKVY) was launched on 15 July 2015 under the Ministry of Skill Development and Entrepreneurship. It is the main scheme of the Skill India Mission. The target group is youth, and the benefit is free short term skill training (about 150 to 300 hours) with a recognised certificate, so they become job ready. The training and assessment fees are paid by the government.
Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) came into force in 2006 under the Ministry of Rural Development. It guarantees 100 days of paid wage work in a year to every rural household whose adults want unskilled manual work. It is a law, not just a scheme, which is an important point in exams.
Exam tip, PMKVY is about skill training (2015), MGNREGA is about guaranteed rural wage work (2006, and it gives 100 days). Mixing up these two on the year and the benefit is a common error.
Government schemes appear in the General Awareness and Static GK sections of almost every major exam, IBPS PO and Clerk, SBI PO and Clerk, RBI Assistant and Grade B, SSC CGL, CHSL and MTS, plus most state PSC and police exams. In bank exams the current affairs based GK section can carry several scheme questions, and in SSC the static GK part regularly asks one or two. You can expect direct, factual questions, the launch year, the ministry, the target group, the benefit amount, and which scheme matches a given description. Because the facts are fixed and easy to memorise, this is a high return topic where careful revision turns into sure marks.
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