Latest Government Schemes in India

1. Viksit Bharat – Guarantee for Rozgar and Ajeevika Mission (Gramin) Act, 2025

The Viksit Bharat – Guarantee for Rozgar and Ajeevika Mission (Gramin) Act, 2025 (VB-G RAM G) came into force across rural India on 1st July 2026, replacing the Mahatma Gandhi National Rural Employment Guarantee Act, 2005 (MGNREGA). Here are the details about it:-

• It provides a statutory guarantee of wage employment to eligible rural households.

• It aims to strengthen village economies, generate sustainable livelihoods and align rural development with the vision of Viksit Bharat @2047.

• It provides 125 days of guaranteed wage employment per financial year for households volunteering for unskilled manual work.

• Daily wages must be disbursed weekly, or within a strict statutory ceiling of a fortnight (14 days) after the work is performed.

• A nationwide minimum wage floor of Rs 300 per day has been introduced.

• Workers will be issued Gramin Rozgar Guarantee Cards. Existing e-KYC verified job cards will remain valid during the transition period to ensure uninterrupted access to work.

• The new Act mandates a 60:40 (Centre:State) funding split for normal states. However, the Centre bears 90% for Northeastern/Himalayan states and UTs with legislatures, and 100% for UTs without legislatures.

• Demand-driven funding model is replaced with a "top-down" normative allocation, where the Centre sets state-wise expenditure ceilings based on the 16th Finance Commission’s horizontal devolution recommendations.

2. Pradhan Mantri Awas Yojana – Urban (PMAY-U) 2.0

PMAY-U 2.0 (2024) is the revamped version of the original Pradhan Mantri Awas Yojana – Urban (PMAY-U) launched in 2015 to ensure affordable housing for urban households across India. The scheme aims to construct, purchase or rent all-weather pucca houses for one crore poor and middle-class families.

• It was launched in 2024 but originally PMAY-U was launched in 2015. It is under the Ministry of Housing and Urban Affairs (MoHUA).

• It Is a centrally sponsored scheme but interest subsidy scheme (ISS) component is central sector scheme.

• EWS/LIG/MIG families without pucca house; income up to ₹9 lakh are eligible for this scheme.

• Provides subsidy for all-weather pucca houses It's target is 1 crore urban families (construction, purchase, rental).

• Total Outlay is ₹10 lakh crore (₹2.3 lakh crore Central Assistance).

• It ensure affordable housing for urban households across India.

  Eligibility and Beneficiary Criteria

• Eligible families must not own a pucca house anywhere in the country in any family member’s name.

• The scheme targets families under the Economically Weaker Section (EWS), Low Income Group (LIG), and Middle Income Group (MIG).

• EWS families have an annual income up to ₹3 lakh, while LIG income ranges between ₹3 to ₹6 lakh.

• MIG families have annual incomes ranging from ₹6 lakh to ₹9 lakh as per scheme guidelines.

• Adult earning members without property ownership are also considered separate households for eligibility purposes.

• The scheme covers all statutory towns notified in the Census 2011 and towns notified subsequently by State Governments.