{"id":11702,"date":"2026-07-27T11:15:00","date_gmt":"2026-07-27T05:45:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=11702"},"modified":"2026-07-27T10:54:33","modified_gmt":"2026-07-27T05:24:33","slug":"10-best-government-schemes-in-india-2026-home-education-ev-solar-more","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/10-best-government-schemes-in-india-2026-home-education-ev-solar-more\/","title":{"rendered":"10 Best Government Schemes in India 2026: Home, Education, EV, Solar &amp; More"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong><em><strong> <\/strong>This article covers schemes that provide financial assistance for a variety of reasons such as housing, education, EVs, rooftop solar, etc. through subsidies and loans for individuals.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Many people may have to invest a lot of money to buy a house, go to college, buy an e-vehicle, or a rooftop solar. To make these targets affordable, the Government of India has come up with various schemes to provide interest support, financial assistance, low-interest loans, and subsidies. Below are the major government schemes in 2026 that can help individuals and families save money and invest in their future.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2188180744\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-housing-schemes\" style=\"font-size:22px\"><strong>Housing Schemes<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-pmay-u-2-0-pradhan-mantri-awas-yojana-urban-2-0\" style=\"font-size:18px\"><strong>1. PMAY-U 2.0 (Pradhan Mantri Awas Yojana- Urban 2.0)<\/strong><\/h3>\n\n\n\n<p>The scheme aims to enable one crore urban families to buy, build or rent affordable houses. Under Interest Subsidy Scheme (ISS), Interest subsidy of up to \u20b91.80 lakh on eligible home loans. Eligible households under EWS, LIG and MIG categories with an annual income of up to \u20b99 lakh, property value up to \u20b935 lakh and loan amount up to \u20b925 lakh.\u00a0<\/p>\n\n\n\n<p>The subsidy provides \u20b98 lakh loan amount which will be subsidized at 4% with a Loan term of 12 years. First time home buyers (no pucca house) are also eligible and it covers construction, purchase and affordable rental housing.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-pmay-g-pradhan-mantri-awas-yojana-gramin\" style=\"font-size:18px\"><strong>2. PMAY-G (Pradhan Mantri Awas Yojana \u2013 Gramin)<\/strong><\/h3>\n\n\n\n<p>The scheme aims to make basic services available to eligible rural households in permanent houses with financial assistance of \u20b91.20 lakh per house on plain land and\u00a0 \u20b91.30 lakh per house on North-Eastern and hilly states.\u00a0Additional Benefits include 90-95 days wages under MGNREGS for construction, Toilet construction under Swachh Bharat Mission with \u20b912,000 assistance.\u00a0<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1567245879\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-4023722985638610\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Trade Brains  - Money InCon -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-4023722985638610\"\r\n     data-ad-slot=\"2055721573\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-credit-linked-subsidy-scheme-clss\" style=\"font-size:18px\"><strong>3. Credit Linked Subsidy Scheme (CLSS)<\/strong><\/h3>\n\n\n\n<p>The scheme aims to lower the interest rate of home loans with subsidies on interest up to \u20b92.67 lakh for eligible beneficiaries in the previous PMAY framework. Key features include Direct subsidy to loan accounts (lowering EMIs). This applies to EWS, LIG, MIG-I and MIG-II.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong><a href=\"https:\/\/tradebrains.in\/money\/itr-filing-2026-fixed-deposit-interest-is-fully-taxable-heres-how-to-report-it-without-mistakes\/\" target=\"_blank\" rel=\"noreferrer noopener\"> ITR Filing 2026: Fixed Deposit Interest Is Fully Taxable &#8211; Here&#8217;s How to Report It Without Mistakes<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-electric-vehicles-ev-schemes\" style=\"font-size:22px\"><strong>Electric Vehicles (EV) schemes<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-pm-e-drive-scheme-pm-electric-drive-revolution-in-innovative-vehicle-enhancement\" style=\"font-size:18px\"><strong>1. PM E-DRIVE Scheme (PM Electric Drive Revolution in Innovative Vehicle Enhancement)<\/strong><\/h3>\n\n\n\n<p>The scheme aims to accelerate the EV market and fortify the electric mobility ecosystem in India. Benefits include a discount on front purchase of qualified electric two-wheelers, three-wheelers, e-ambulances, e-trucks, and some electric buses. Incentives are calculated directly on the vehicle&#8217;s purchase price. The scheme has a \u20b910,900 crore outlay. The scheme allocated \u20b94,391 crore for over 14,000 e-buses and \u20b92,000 crore for nationwide public charging stations.<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3716197002\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-state-ev-subsidies\" style=\"font-size:18px\"><strong>2. State EV Subsidies<\/strong><\/h3>\n\n\n\n<p>Many states offer other incentives to keep EVs affordable, in addition to central support. Common benefits include road tax exemption, registration fee waiver, purchase subsidy ( varies by state ) and Electric auto-rickshaw, Commercial EV and electric charging station incentives. Some of the states that provide major EV incentives are: Maharashtra, Gujarat, Delhi, Karnataka, Tamil Nadu, Telangana, Kerala, Uttar Pradesh and Madhya Pradesh etc. although these incentives vary from state to state.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-rooftop-solar-schemes\" style=\"font-size:22px\"><strong>Rooftop Solar Schemes<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-pm-surya-ghar-muft-bijli-yojana\" style=\"font-size:18px\"><strong>1. PM Surya Ghar: Muft Bijli Yojana<\/strong><\/h3>\n\n\n\n<p>Schemes main aim is to install rooftop solar systems in 1 crore houses throughout India. Scheme Outlay is approx \u20b975,021 crore.\u00a0Subsidy values:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to \u20b930,000 for a 1 kW system.<\/li>\n\n\n\n<li>Up to \u20b960,000 for a 2 kW system.<\/li>\n\n\n\n<li>Up to \u20b978,000 for 3 kW and above.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Key Features include 300 units of free electricity per month via solar generation, paid subsidy directly to the bank accounts of the beneficiaries.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-pm-surya-ghar-solar-loan\" style=\"font-size:18px\"><strong>2. PM Surya Ghar Solar Loan<\/strong><\/h3>\n\n\n\n<p>The scheme aims to ensure rooftop solar is financially accessible via simple financing.\u00a0 Provides a loan of maximum \u20b92 lakh, collateral free at an approx. interest rate of 6.75% through the participating public sector banks.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-grid-connected-rooftop-solar-programme-rts\" style=\"font-size:18px\"><strong>3. Grid Connected Rooftop Solar Programme (RTS)<\/strong><\/h3>\n\n\n\n<p>The scheme aims to encourage rooftop solar installations, including CFA. Residential consumers who install grid-connected rooftop solar systems at their homes through the National Portal and State DISCOMs will be eligible for the benefit of central subsidy. Eligible individuals can avail subsidies of \u20b930,000 per kW up to 2kW and up to \u20b978,000 for 3kW and above.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong><a href=\"https:\/\/tradebrains.in\/money\/top-10-free-government-schemes-every-indian-should-know-about-in-2026\/\"> Top 10 Free Government Schemes Every Indian Should Know About in 2026<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-education-loan-schemes\" style=\"font-size:22px\"><strong>Education Loan Schemes<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-pm-vidyalaxmi\" style=\"font-size:18px\"><strong>1. PM Vidyalaxmi<\/strong><\/h3>\n\n\n\n<p>The scheme aims to provide meritorious students the opportunity to continue their studies at a higher level without any financial constraint. Students will be provided a loan benefit without a guarantor and without any collateral from the scheduled banks. Education loans to the extent of \u20b910 lakh from families with income up to \u20b98 lakh will be eligible for 3% education loan interest subvention during the moratorium period. The Government gives 75% credit guarantee support in lending without ensuring any security to the banks for loans up to \u20b97.5 lakh.<\/p>\n\n\n\n<p>Students who got admissions to 860+ Quality Higher Education Institutions (QHEIs) like IITs, IIMs, NITs, AIIMS and others are eligible and can be used for technical and professional courses.<\/p>\n\n\n\n<p><strong>Scheme Outlay:<\/strong> \u20b93,600 crore (2024\u201325 to 2030\u201331).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-central-sector-interest-subsidy-scheme-csis\" style=\"font-size:18px\"><strong>2. Central Sector Interest Subsidy Scheme (CSIS)<\/strong><\/h3>\n\n\n\n<p>The scheme aims to assist students from economically disadvantaged groups to avail higher education. The government covers the full interest of a loan for eligible Education loans during the moratorium period (course duration+1 year or 6 months after getting a job whichever is earlier).<\/p>\n\n\n\n<p>Students with up to \u20b94.5 lakh annual parental income, or students with education loan availed under the Model Education Loan Scheme of the Indian Banks&#8217; Association are eligible. This is applicable for professional and technical courses in recognised institutions in India.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-government-schemes-should-you-choose\" style=\"font-size:22px\"><strong>Which Government Schemes should you choose?<\/strong><\/h2>\n\n\n<div id=\"footable_parent_11705\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"11705\" data-filter-delay=\"1000\" aria-label=\"Finance - Sheet1 (1).csv\"            id=\"footable_11705\"\n           data-unique_identifier=\"ninja_table_unique_id_2854492736_11705\"\n           class=\" foo-table ninja_footable foo_table_11705 ninja_table_unique_id_2854492736_11705 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>The government schemes can help make a life goal more affordable, such as owning a home, higher education, rooftop solar or EV. Subsidies, interest support and financial assistance can help you save a great deal by selecting the right scheme that you are eligible for.<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: This article covers schemes that provide financial assistance for a variety of reasons such as housing, education, EVs, rooftop solar, etc. through subsidies and loans for individuals. Many people may have to invest a lot of money to buy a house, go to college, buy an e-vehicle, or a rooftop solar. To make these [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":4267,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[997,14],"tags":[],"ppma_author":[2835],"class_list":["post-11702","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-govt-schemes","category-trending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 Best Government Schemes in India 2026: Home, Education, EV, Solar &amp; More<\/title>\n<meta name=\"description\" content=\"This article covers schemes that provide financial assistance for a variety of reasons such as housing, education, EVs, rooftop solar, etc. through subsidies and loans for individuals.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tradebrains.in\/money\/10-best-government-schemes-in-india-2026-home-education-ev-solar-more\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10 Best Government Schemes in India 2026: Home, Education, EV, Solar &amp; 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