FOMOA AI for Indian Government Schemes: Find Benefits You're Eligible For

The Government Scheme Discovery Problem

India has 100+ central government schemes and 1000+ state-level programs. Most citizens don't know which schemes they qualify for or how to apply.

The Reality of Government Schemes in India
==========================================

Total Central Schemes: 100+
Total State Schemes: 1000+
Average citizen awareness: 5-10 schemes
Money left unclaimed: ₹1000s of crores annually

Common Problems:
├── Don't know which schemes exist
├── Unclear eligibility criteria
├── Complex application process
├── Information scattered across portals
└── Outdated information on blogs

FOMOA AI solves this by searching official government portals and providing accurate, up-to-date information in simple language.

How FOMOA Helps Find Government Schemes

Ask Natural Questions

Example Queries FOMOA Handles:
==============================

By Category:
├── "Government schemes for farmers in UP"
├── "Healthcare schemes for senior citizens"
├── "Education scholarships for girls"
├── "Housing schemes for BPL families"
└── "Loans for small business owners"

By Situation:
├── "I'm a farmer with 2 acres, what schemes can I get?"
├── "My family income is 3 lakh, which health scheme?"
├── "I want to start a business, what loans available?"
├── "Schemes for pregnant women in rural areas"
└── "Benefits for disabled persons in Maharashtra"

In Hindi/Hinglish:
├── "किसानों के लिए सरकारी योजनाएं"
├── "PM Kisan ka paisa kab aayega"
├── "Ayushman card kaise banaye"
└── "Mudra loan ke liye kya documents chahiye"

Major Government Schemes Explained

PM-KISAN (Farmers)

Query: "PM-KISAN scheme complete details"

FOMOA Response:
===============

Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)

Benefit: ₹6,000 per year in 3 installments of ₹2,000

Eligibility:
├── Small and marginal farmers
├── Cultivable land holding
├── Not a government employee
├── Not an income tax payer
└── Not receiving pension > ₹10,000/month

Required Documents:
├── Aadhaar Card
├── Bank Account (Aadhaar linked)
├── Land Records (Khatauni/Khasra)
├── Mobile Number
└── Passport Photo

How to Apply:
├── Online: pmkisan.gov.in
├── Offline: CSC Center / Gram Panchayat
└── Check status: pmkisan.gov.in/beneficiarystatus

Installment Schedule 2026:
├── April-July: ₹2,000
├── August-November: ₹2,000
├── December-March: ₹2,000

Source: pmkisan.gov.in (Official)

Ayushman Bharat (Healthcare)

Query: "Ayushman Bharat eligibility and card"

FOMOA Response:
===============

Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PM-JAY)

Benefit: Health cover up to ₹5 lakh per family per year

Eligibility (Based on SECC 2011 data):

Rural Families (any one):
├── No adult member aged 16-59
├── Female-headed household
├── Disabled member
├── SC/ST households
├── Landless manual labor
├── No shelter
└── Destitute/living on alms

Urban Families:
├── Rag picker, beggar
├── Domestic worker
├── Street vendor
├── Construction worker
├── Plumber, mason, painter
├── Security guard
├── Coolie, rickshaw puller
└── Other informal workers

Check Eligibility:
├── Online: pmjay.gov.in
├── Call: 14555 / 1800-111-565
├── Visit: Ayushman Mitra at hospital

Get Card:
├── Visit empaneled hospital
├── Carry Aadhaar + ration card
├── Biometric verification
├── Card generated on spot (free)

Covered Treatments:
├── 1,929 medical procedures
├── Cancer treatment
├── Heart surgery
├── Knee replacement
├── Dialysis
└── And many more

Source: pmjay.gov.in (Official)

MUDRA Loans (Business)

Query: "MUDRA loan for small business"

FOMOA Response:
===============

Pradhan Mantri MUDRA Yojana

Purpose: Loans for micro/small enterprises

Loan Categories:
├── Shishu: Up to ₹50,000 (new businesses)
├── Kishore: ₹50,001 to ₹5 lakh (expansion)
└── Tarun: ₹5 lakh to ₹10 lakh (growth)

Interest Rate: 8.5% - 12% (varies by bank)
Processing Fee: 0.5% or as per bank

Eligibility:
├── Indian citizen
├── Age: 18+ years
├── Business plan (non-farm sector)
├── Manufacturing, trading, or services
└── No collateral required (up to ₹10 lakh)

Required Documents:
├── Identity Proof (Aadhaar/PAN)
├── Address Proof
├── Business Plan
├── Quotations (for machinery)
├── Passport Photos
├── Bank Statements (if existing business)
└── Category certificate (if applicable)

How to Apply:
├── Any bank branch (PSU/Private)
├── Online: udyamimitra.in
├── Mudra portal: mudra.org.in

Success Rate: Higher with good business plan

Source: mudra.org.in (Official)

PM Awas Yojana (Housing)

Query: "PM Awas Yojana eligibility 2026"

FOMOA Response:
===============

Pradhan Mantri Awas Yojana (Urban & Rural)

PMAY-Urban:
├── Subsidy: Up to ₹2.67 lakh on home loan interest
├── Income Categories:
│   ├── EWS: Income up to ₹3 lakh/year
│   ├── LIG: ₹3-6 lakh/year
│   ├── MIG-I: ₹6-12 lakh/year
│   └── MIG-II: ₹12-18 lakh/year
└── Apply: pmaymis.gov.in

PMAY-Gramin (Rural):
├── Assistance: ₹1.20 lakh (plain areas)
├── Assistance: ₹1.30 lakh (hilly/difficult)
├── Additional: ₹12,000 for toilet (SBM)
├── Eligibility: BPL families without pucca house
└── Apply: Through Gram Panchayat

Required Documents:
├── Aadhaar Card
├── Income Certificate
├── Proof of no pucca house
├── Land documents (if applicable)
├── Bank account details
└── Caste certificate (if applicable)

Check Status:
├── Urban: pmaymis.gov.in
├── Rural: pmayg.nic.in
└── Enter Aadhaar to check

Source: pmaymis.gov.in, pmayg.nic.in

Schemes by Category

For Farmers

Query: "All government schemes for farmers 2026"

FOMOA Response:
===============

Central Government Farmer Schemes:

Income Support:
├── PM-KISAN: ₹6,000/year direct transfer
└── PM-KISAN Maan Dhan: Pension ₹3,000/month (60+)

Insurance:
├── PM Fasal Bima Yojana: Crop insurance
│   ├── Premium: 1.5-5% of sum insured
│   └── Claims: Within 72 hours of calamity
└── Restructured Weather Based Insurance

Credit:
├── Kisan Credit Card: Low interest farm loans
│   ├── Interest: 4% (with timely repayment)
│   └── Limit: Based on land holding
└── PM-KISAN linked KCC

Infrastructure:
├── PM Krishi Sinchai Yojana: Irrigation
├── Soil Health Card: Free soil testing
└── e-NAM: Electronic trading platform

Inputs:
├── Fertilizer Subsidy: Through DBT
├── PM-KISAN Samman Nidhi
└── National Food Security Mission

Apply at: pmkisan.gov.in, pmfby.gov.in, kcc.nic.in

For Women

Query: "Government schemes for women 2026"

FOMOA Response:
===============

Women-Specific Government Schemes:

Financial Inclusion:
├── Mahila Samman Savings Certificate
│   ├── Interest: 7.5% (higher than FD)
│   ├── Max deposit: ₹2 lakh
│   └── Tenure: 2 years
└── Sukanya Samriddhi Yojana (for girl child)
    ├── Interest: 8.2%
    └── Tax benefit under 80C

Entrepreneurship:
├── Mudra Loans (Mahila Udyami)
├── Stand Up India: ₹10 lakh - ₹1 crore for women
└── PMEGP: 25-35% subsidy for women

Safety & Support:
├── One Stop Centre: Emergency support
├── Women Helpline: 181
├── Ujjwala Scheme: Free LPG connection
└── Mahila Shakti Kendra

Maternity:
├── Pradhan Mantri Matru Vandana Yojana
│   ├── Benefit: ₹5,000 for first child
│   └── Condition: Institutional delivery
└── Janani Suraksha Yojana: Cash for delivery

Education:
├── CBSE Udaan (engineering preparation)
├── Pragati Scholarship (AICTE)
└── State-specific girl education schemes

Source: wcd.nic.in, various scheme portals

For Senior Citizens

Query: "Schemes for senior citizens India"

FOMOA Response:
===============

Senior Citizen (60+) Government Schemes:

Pension:
├── Indira Gandhi National Old Age Pension
│   ├── Amount: ₹200-500/month (BPL)
│   └── Age: 60+ years
├── Atal Pension Yojana
│   ├── Pension: ₹1,000-5,000/month
│   └── Entry: 18-40 years
└── PM-KISAN Maan Dhan (farmers)
    └── Pension: ₹3,000/month after 60

Healthcare:
├── Ayushman Bharat: ₹5 lakh health cover
├── National Programme for Healthcare of Elderly
├── Free generic medicines at Jan Aushadhi
└── CGHS/State health schemes

Financial:
├── Senior Citizen Savings Scheme (SCSS)
│   ├── Interest: 8.2%
│   ├── Max: ₹30 lakh
│   └── Tax benefit under 80C
├── PM Vaya Vandana Yojana (LIC)
└── Higher FD rates (0.5% extra)

Travel:
├── Railway concession: 40% (males), 50% (females)
├── Air India: Up to 50% discount
└── State bus concessions

Tax Benefits:
├── Higher basic exemption: ₹3 lakh (60-80), ₹5 lakh (80+)
├── No advance tax if no business income
└── Higher deduction under 80D

Source: socialjustice.gov.in, pensioners' portal

For Students

Query: "Scholarships and schemes for students"

FOMOA Response:
===============

Education Schemes for Students:

National Scholarships (NSP):
├── Pre-Matric: Class 1-10
│   └── Amount: ₹1,000-6,000/year
├── Post-Matric: Class 11 onwards
│   └── Amount: ₹3,000-15,000/year
└── Apply: scholarships.gov.in

Merit-Based:
├── Central Sector Scholarship
│   ├── For: 80%+ in Class 12
│   ├── Amount: ₹10,000-20,000/year
│   └── Income limit: ₹8 LPA
├── INSPIRE (Science)
│   └── Amount: ₹80,000/year for 5 years
└── Kishore Vaigyanik Protsahan Yojana

Category-Based:
├── SC/ST/OBC scholarships
├── Minority scholarships
├── Disability scholarships
└── Girl-specific scholarships

Technical Education (AICTE):
├── Pragati: For girls in tech
├── Saksham: For disabled students
└── Amount: ₹50,000/year

State-Specific:
├── Each state has 10-20 schemes
├── Check state education portal
└── Often have different deadlines

Source: scholarships.gov.in, aicte-india.org

Using FOMOA for Scheme Discovery

Find Schemes You Qualify For

Query: "I'm a 35-year-old woman from rural Bihar,
        income 2 lakh, what schemes can I get?"

FOMOA Response:
===============

Based on your profile, you may be eligible for:

Healthcare:
├── Ayushman Bharat: ₹5 lakh health cover
└── Janani Shishu Suraksha (if pregnant)

Financial:
├── PM Jan Dhan: Zero balance account
├── Sukanya Samriddhi (for daughters)
├── Mahila Samman Certificate: 7.5% interest
└── MUDRA loan (if business interest)

Housing:
├── PM Awas Yojana Gramin: ₹1.20 lakh
└── Check: pmayg.nic.in

LPG:
├── Ujjwala Yojana: Free LPG connection
└── Apply: CSC or gas agency

Employment:
├── MGNREGA: 100 days guaranteed work
├── DDU-GKY: Skill training
└── NRLM: Self-help group support

Bihar State Schemes:
├── Mukhyamantri Kanya Utthan: For daughters
├── Bihar Student Credit Card
└── Jeevika: Livelihood support

Next Steps:
1. Create Jan Dhan account if not existing
2. Apply for Ayushman card at hospital
3. Check PMAY eligibility at Gram Panchayat
4. Join local SHG for NRLM benefits

Source: Various .gov.in portals

Track Application Status

Query: "How to check PM-KISAN status"

FOMOA Response:
===============

Check PM-KISAN Beneficiary Status:

Method 1: Online (pmkisan.gov.in)
├── Go to pmkisan.gov.in
├── Click "Beneficiary Status"
├── Enter Aadhaar OR Mobile OR Account Number
└── View status and payment history

Method 2: Mobile App
├── Download "PM-KISAN" app
├── Login with mobile number
├── Check status and installments

Method 3: Helpline
├── Call: 155261 / 1800-115-526
├── Available: Mon-Sat, 9 AM - 6 PM
└── Keep Aadhaar ready

Common Status Messages:
├── "Payment Success" - Money credited
├── "Pending for approval" - Under verification
├── "Land seeding pending" - Document issue
├── "Aadhaar not authenticated" - eKYC needed
└── "Data not found" - Not registered

If Payment Stuck:
├── Check eKYC status
├── Verify land records
├── Contact agriculture department
└── Visit CSC for correction

Source: pmkisan.gov.in

Pro Tips for Finding Schemes

1. Ask State-Specific Questions

Better Queries:
├── "Maharashtra schemes for farmers" (not just "farmer schemes")
├── "Tamil Nadu scholarship for SC students"
├── "UP housing scheme for poor families"
└── "Kerala health scheme for BPL"

Each state has 20-50 additional schemes beyond central!

2. Check Eligibility Before Applying

Query: "Am I eligible for [scheme name]"

FOMOA will check:
├── Income criteria
├── Age limits
├── Category requirements
├── Residence requirements
├── Existing benefits
└── Required documents

3. Use Hindi for Better Results

Hindi Queries Work Great:
├── "प्रधानमंत्री आवास योजना के लिए आवेदन कैसे करें"
├── "किसान सम्मान निधि की किस्त कब आएगी"
├── "आयुष्मान कार्ड कैसे बनवाएं"
└── "मुद्रा लोन के लिए क्या डॉक्यूमेंट चाहिए"

FOMOA trained on 56,000+ Hindi samples!

Get Started

FOMOA is 100% free - no registration needed.

Visit: fomoa.cloud

Try these queries:

• "Government schemes for my category" (specify details)
• "How to apply for [scheme name]"
• "Documents required for [scheme]"
• "Check [scheme] status online"
• "[State] schemes for [category]"

Need help finding the right government scheme? Ask on LinkedIn.

Related Articles

• FOMOA AI Complete Guide
• FOMOA for Indian Students
• Best Free AI Search Engine India
• Why India Needs India-First AI