Savings & insurance Yojana 2026: Central & State Schemes
5 government schemes for savings & insurance — what you get, who can apply and the official link for each.
Central schemes
| Scheme | Benefit | For | Official portal | Latest |
|---|---|---|---|---|
| Sukanya Samriddhiसुकन्या समृद्धि योजना (सुकन्या समृद्धि खाता) | 8.2% a year savings for a girl child (Oct–Dec 2026) | Girls below 10 (account opened by a parent) | ✓ nsiindia.gov.in | Updated 30 Sept 2026 |
| NPS Vatsalyaएन. पी. एस. वात्सल्य योजना | Pension account for a child from ₹250 a year | Any minor citizen (opened by a parent/guardian) | ✓ npstrust.org.in | Updated 13 Jan 2026 |
| PM Jan Dhanप्रधानमंत्री जन धन योजना | Zero-balance account, RuPay card with ₹2 lakh accident cover | Any Indian without a bank account | ✓ pmjdy.gov.in | Updated 27 Aug 2026 |
| PMJJBYप्रधानमंत्री जीवन ज्योति बीमा योजना | ₹2 lakh life cover for ₹436 a year | Bank/post office account holders aged 18–50 | ✓ jansuraksha.gov.in | Updated 9 May 2026 |
| PMSBYप्रधानमंत्री सुरक्षा बीमा योजना | ₹2 lakh accident cover for ₹20 a year | Bank account holders aged 18–70 | ✓ jansuraksha.gov.in | Updated 9 May 2026 |