The Indus Zone Tech Desk | Important Government Schemes Launched in India in 2024 – Full List, Benefits & Objectives. Explore all major government schemes launched in India in 2024. Learn about PMJDY, PM-KISAN, PMJAY, PMAY, PM Vishwakarma, and more — their features, objectives, and beneficiaries.
Introduction: India’s Continued Push Toward Inclusive Growth
The year 2024 marked another significant milestone in India’s journey toward inclusive and sustainable development. With a vision of ensuring equitable access to opportunities for every citizen, the Government of India introduced and revamped several key schemes. These programs span across healthcare, housing, education, employment, water conservation, financial inclusion, and tribal welfare, reflecting the government’s continued focus on holistic progress.
From rural development initiatives to technology-driven welfare projects, these schemes aim to uplift millions by bridging socio-economic gaps. Here’s a detailed look at the most important government schemes launched or expanded in 2024.
💰 1. Financial Inclusion Initiatives
Pradhan Mantri Jan Dhan Yojana (PMJDY)
Launched in 2014, PMJDY remains one of the largest financial inclusion drives globally. In 2024, the scheme received several upgrades, including simplified KYC norms and wider digital banking access.
Objective: To provide every Indian household with access to banking facilities.
Impact: Over 52 crore bank accounts opened till date, empowering rural and urban citizens with direct benefit transfers (DBT), RuPay cards, and overdraft facilities.
🌾 2. Agriculture and Farmer Welfare Schemes
Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)
PM-KISAN continued as a cornerstone of rural welfare in 2024. The scheme provides ₹6,000 annually to small and marginal farmers, credited directly to their bank accounts in three installments.
Purpose: To offer financial support for crop inputs and basic household needs.
2024 Update: Expansion of beneficiary list through digital verification and integration with land records.
PM Matsya Sampada Yojana
The scheme focused on promoting the blue economy, with 2024 bringing fresh incentives for coastal and inland fishery development, encouraging entrepreneurship in aquaculture.
❤️ 3. Healthcare & Well-being
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY)
India’s flagship healthcare mission, PMJAY, continued to safeguard millions of families in 2024.
Coverage: ₹5 lakh per family annually for secondary and tertiary care.
New Feature (2024): Introduction of digital health cards linked with Ayushman Bharat Digital Mission (ABDM) for seamless hospital access.
National Digital Health Mission (NDHM)
Under this mission, citizens can create a Digital Health ID to track medical history, prescriptions, and insurance records securely — ensuring transparency and efficiency in healthcare delivery.
🏠 4. Affordable Housing for All
Pradhan Mantri Awas Yojana (PMAY) – Urban & Rural
PMAY remains the flagship housing mission, aiming to provide affordable housing to every Indian.
PMAY Urban 2.0 (2024 Launch): Targets 1 crore new homes for urban poor and middle-class families.
Investment: ₹10 lakh crore total, with ₹2.2 lakh crore central assistance.
PMAY-Gramin: Focuses on constructing durable homes in rural India, using eco-friendly materials and modern design.
Goal: “Housing for All” by 2025, ensuring safe, affordable homes for millions.
🧠 5. Skill Development & Employment Generation
National Skilling Programme (2024 Edition)
The government launched a new five-year skilling initiative to train 20 lakh youth across industries.
Focus: Modernizing 1,000 ITIs and aligning curriculum with current industry needs.
Objective: Create a skilled workforce ready for emerging sectors like AI, robotics, and green energy.
Comprehensive Internship Opportunities Scheme
This innovative program offers 1 crore internships over five years in top 500 Indian companies.
Stipend: ₹5,000 per month + ₹6,000 one-time support.
Aim: Bridge the employability gap and provide real-world corporate exposure to young graduates.
🪶 6. Tribal Welfare and Rural Empowerment
Pradhan Mantri Janjatiya Unnat Gram Abhiyan
Launched in 2024, this flagship program focuses on uplifting India’s tribal population.
Coverage: 63,000 tribal villages and 5 crore beneficiaries.
Benefits: Infrastructure development, education, livelihood support, and access to clean water and healthcare.
This initiative reinforces the government’s vision of “Sabka Saath, Sabka Vikas” by ensuring no community is left behind.
🏭 7. Support for MSMEs & Entrepreneurship
Credit Guarantee Scheme for MSMEs
MSMEs are the backbone of India’s economy. The enhanced 2024 version of this scheme allows:
Collateral-free loans up to ₹100 crore per applicant.
Government-backed credit guarantee, encouraging banks to lend more confidently.
It aims to empower small and medium enterprises, enabling them to expand and generate employment at the grassroots level.
💧 8. Water Conservation & Sustainability
Jal Jeevan Mission
Under this initiative, 2024 saw an expansion targeting four crore additional rural households with piped water supply.
Focus: Ensuring access to clean drinking water and reducing dependency on unsafe water sources.
Jal Shakti Abhiyan – “Catch the Rain”
The 2024 version of this program intensified rainwater harvesting and groundwater recharge efforts.
Citizens were encouraged to participate in local water conservation through village-level campaigns.
🧍 9. Social Empowerment & Welfare Programs
SMILE (Support for Marginalized Individuals for Livelihood and Enterprise)
SMILE focuses on rehabilitating marginalized groups, including the homeless and transgender individuals.
Support Offered: Medical care, skill training, financial linkage, and housing support.
Beti Bachao, Beti Padhao
In 2024, the campaign expanded its focus beyond awareness to education and financial independence of girl children. States received special grants for building digital classrooms for girls in government schools.
🪔 10. New Initiatives Introduced in 2024
PM Vishwakarma Yojana
Launched on September 17, 2024, PM Vishwakarma supports traditional artisans and craftsmen — carpenters, goldsmiths, potters, and weavers.
Benefits: Skill certification, digital tools, easy credit, and marketing support.
Goal: Preserve India’s heritage crafts and promote self-reliance.
NPS Vatsalya Scheme
This new plan allows parents or guardians to open NPS accounts for minors, which later convert into regular accounts when the child turns 18. It encourages early financial planning and long-term savings.
🩺 11. Ministry-Wise Major Schemes (2024)
Ministry of Health & Family Welfare
Ayushman Bharat
Pradhan Mantri Swasthya Suraksha Nidhi
Intensified Mission Indradhanush 3.0
National Digital Health Mission
Ministry of Education
STARS Project
Institutions of Eminence Scheme
Swachh Vidyalaya Abhiyan
Mid-Day Meal Scheme (PM Poshan)
Higher Education Financing Agency (HEFA)
Ministry of Women & Child Development
Pradhan Mantri Matru Vandana Yojana
Poshan Abhiyaan
💡 Additional Flagship Initiatives Continuing in 2024
Digital India Programme – Driving technology access and e-governance.
Make in India – Boosting domestic manufacturing.
Swachh Bharat Mission – Advancing cleanliness and sanitation goals.
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
📈 Conclusion: Building a Stronger, Self-Reliant India
The government schemes launched and expanded in 2024 reflect India’s vision of “Vikasit Bharat @2047”, where inclusive growth, self-reliance, and sustainability go hand in hand. These programs touch every sphere of life — from a farmer’s field to a student’s classroom, from an artisan’s workshop to a tribal hamlet.
By focusing on economic empowerment, social welfare, and technological innovation, these initiatives aim to create a New India — one that thrives on equality, opportunity, and dignity for all.
