Government Schemes for Senior Citizens

Discover pension plans, healthcare benefits, savings schemes, tax relief programs, travel concessions, and welfare initiatives designed for India’s senior citizens.
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How to Find & Apply for Your Schemes

Discovering your entitled government benefits takes less than 2 minutes through our official step-by-step guidance.
01

Enter Your Details

Add your age, state, income range, and category information to identify the government schemes relevant to you.

02

Find Matching Schemes

Explore available pension plans, healthcare benefits, savings programs, tax relief options, and welfare initiatives.

03

Apply on Official Portal

Visit the official government website, review eligibility requirements, and complete your application securely.

Popular Senior Citizen Schemes

Browse All 5000+ Schemes →

Savings Scheme 8.2% Interest

Senior Citizens Savings Scheme (SCSS)

A government-backed deposit scheme offering high quarterly interest income, tax deductions under Section 80C, and sovereign security.

Eligibility: Age 60 years & above
Ministry of Finance Details & Apply
Pension Plan Guaranteed Pension

Atal Pension Yojana (APY)

Guaranteed monthly pension between ₹1,000 to ₹5,000 after 60 years of age for unorganized sector workers and citizens.

Eligibility: Joined before 40 yrs / 60+ benefits
PFRDA / Govt of India Details & Apply
Social Security Direct Pension Transfer

Indira Gandhi National Old Age Pension

Financial old-age pension assistance directly credited to bank accounts for senior citizens belonging to BPL households.

Eligibility: BPL Seniors aged 60+
Ministry of Rural Development Details & Apply
Healthcare ₹5 Lakh Coverage

Ayushman Bharat PM-JAY

Comprehensive health insurance coverage offering up to ₹5 Lakh cashless treatment annually per family across empanelled hospitals.

Eligibility: Eligible Low-Income & Senior Families
National Health Authority Details & Apply
Assistive Aids Free Devices

Rashtriya Vayoshri Yojana (RVY)

Free distribution of assisted-living devices including hearing aids, wheelchairs, spectacles, and walking sticks for senior citizens.

Eligibility: Age 60+ (Senior Citizens)
Ministry of Social Justice Details & Apply
Social Welfare Elderly Care & Support

Atal Vayo Abhyuday Yojana (AVYAY)

Comprehensive national framework funding senior citizen homes, state helpline services (14567), care centers, and active ageing programs.

Eligibility: All Indian Senior Citizens
Social Justice & Empowerment Details & Apply

Complete Scheme Directory

Showing official schemes verified from myScheme.gov.in
Filter By:
SCHEME NAME & MINISTRY CATEGORY KEY BENEFITS ELIGIBILITY OFFICIAL LINK
Senior Citizens Savings Scheme (SCSS) Ministry of Finance Savings 8.2% annual interest, quarterly payouts, tax deductible under 80C Age 60+ (55+ for VRS retirees) Portal
Atal Pension Yojana (APY) PFRDA / Ministry of Finance Pension Guaranteed monthly pension of ₹1000 - ₹5000 after 60 years Unorganized sector workers Portal
Ayushman Bharat PM-JAY National Health Authority Healthcare Cashless health insurance up to ₹5 Lakh per family per year Priority & Senior Households Portal
Indira Gandhi National Old Age Pension Ministry of Rural Development Pension Monthly cash pension assistance credited directly to bank account BPL Seniors aged 60+ Portal
Rashtriya Vayoshri Yojana (RVY) Ministry of Social Justice Welfare Free assisted-living devices (hearing aids, wheelchairs, spectacles) Senior citizens aged 60+ Portal
Atal Vayo Abhyuday Yojana (AVYAY) Ministry of Social Justice & Empowerment Welfare Elderly care homes, national helpline 14567, active ageing centers All Indian Senior Citizens Portal
Pradhan Mantri Vaya Vandana Yojana LIC of India / Ministry of Finance Insurance Guaranteed 7.4% p.a. return for 10 years with regular pension payout Senior citizens aged 60+ Portal
Post Office Monthly Income Scheme Department of Posts Savings 7.4% fixed interest rate with guaranteed monthly income payouts All resident individual citizens Portal
Indian Railways Senior Concession Ministry of Railways Travel Lower berth allocation priority & wheel-chair station assistance Men 60+ / Women 58+ Portal
Section 80TTB Tax Benefit Income Tax Department Savings Deduction up to ₹50,000 on interest income from deposits Resident Seniors aged 60+ Portal
CGHS Senior Pensioner Card Ministry of Health & Family Welfare Healthcare Comprehensive cashless outpatient & hospitalization medical coverage Retired Central Govt Employees Portal
National Social Assistance Programme Ministry of Rural Development Pension Financial assistance for elderly widows, destitute, and disabled Aged 60+ BPL Households Portal
Pradhan Mantri Suraksha Bima Yojana Ministry of Finance Insurance Accidental death and disability coverage up to ₹2 Lakh for ₹20/year Citizens aged up to 70 yrs Portal
State Roadways Senior Bus Concession State Transport Undertakings Travel 50% fare discount on state transport bus journeys across states Resident Seniors 60+ Portal
Elderline National Helpline (14567) Ministry of Social Justice Welfare Toll-free information, emotional support, and elder abuse intervention All Senior Citizens & Caregivers Portal
No matching government schemes found. Try adjusting your keyword search or category filter.

Essential Welfare Support for Seniors

Explore structured assistance categories designed to ensure financial independence, health security, and dignity.

Pension Schemes

Monthly guaranteed financial support and direct benefit pension transfers for retired employees and elderly citizens.

Healthcare Benefits

Free medical checkups, cashless hospitalization, Ayushman Bharat health card cover, and subsidized medicines.

Savings & Investments

High-yield government-backed deposit options, tax-saving deductions under Section 80TTB, and fixed return plans.

Social Welfare & Devices

Free assistive devices (wheelchairs, hearing aids), travel fare concessions, and community eldercare services.

Built for Ease, Trust & Dignity

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Why Discover Schemes Through This Portal?

Explore structured assistance categories designed to ensure financial independence, health security, and dignity.

Single Window Discovery

No need to search multiple ministry websites. Access Central and State welfare initiatives in one standardized interface.

100% Verified Official Sources

Every scheme lists official application web links pointing directly to myScheme.gov.in and official ministry portals.

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We do not collect personal phone numbers or passwords just to browse scheme information or check eligibility.

FAQs

Find clear answers regarding application procedures, eligibility checks, and official government sources.
What is myScheme and how does this portal help?
myScheme is a One-Stop National Scheme Discovery Platform initiated by the Government of India. This portal acts as an easy-to-use, accessible interface to help senior citizens, caregivers, and family members quickly find applicable schemes and navigate directly to official government application pages.
How can senior citizens find suitable schemes for their age?
You can use our interactive Eligibility Checker tool on this page by selecting age (60+, 70+, or 80+), state, income bracket, and category. Alternatively, browse the complete searchable table to filter schemes by categories like Pensions, Healthcare, or Savings.
Can I apply directly or do I go to the official ministry website?
For security and official verification, applications are submitted on official government portals (such as myscheme.gov.in, pmjay.gov.in, or state government portals). Our buttons link you directly to those verified government pages.
What documents are generally required for senior citizen schemes?
Most government schemes require basic proof documents:
Aadhaar Card (Proof of Identity & Age)
Bank Account details (linked with Aadhaar for DBT transfer)
Income Certificate or BPL Card (where applicable)
Passport-size photographs
Are state government schemes included alongside central schemes?
Yes! The directory indexes both Central Government initiatives and State/UT specific senior citizen programs across all 28 States and 8 Union Territories.
How often is scheme information updated?
Information is aligned directly with updates published on government portals like myScheme.gov.in and ministry press releases to ensure high accuracy.