Which Bihar government scheme are you actually eligible for?
That question gets more complicated than it should. Open any list of Bihar sarkari yojana and you get either a 50-item data dump with no details or a page that hasn’t been updated since 2022. So I put together this handpicked list of the 15 most useful schemes for Bihar residents — each one with the real benefit amount, who it is meant for, and exactly how to apply.
✅ This list is compiled from official Bihar government notifications and portals. Last verified: October 18, 2026. Benefit amounts and eligibility are revised from time to time — always cross-check on the official portal before applying.
What is the Bihar Sarkari Yojana List?
The Bihar Sarkari Yojana List is a curated collection of state and central government schemes that Bihar residents can actually claim — for students, women, farmers, entrepreneurs and low-income families. This guide covers the 15 most useful ones, with verified benefit amounts, eligibility conditions and official application links, so you don’t waste time on dead portals or outdated promises.
Most of these schemes send money directly to your Aadhaar-linked bank account through DBT. That means no middlemen, but it also means your Aadhaar and bank details must match before you apply.
Eligibility Quick-Reference Table
Scan this table first. Find your category, then read the full section below for application steps.
| Scheme | Benefit | Who Can Apply |
|---|---|---|
| Mukhyamantri Kanya Utthan Yojana | ₹50,000 (graduation) / ₹25,000 (Class 12) | Girl students of Bihar, unmarried for Class 12 benefit |
| Bihar Student Credit Card | Up to ₹4 lakh education loan | Bihar students in higher education; 1% interest for girls, transgender and differently-abled students |
| Post-Matric Scholarship (Bihar) | Tuition + maintenance support | SC/ST/OBC/EBC students of Bihar |
| Jivika (Bihar Rural Livelihoods Project) | Credit access through SHGs | Rural women joining Self-Help Groups |
| PM Kisan Samman Nidhi | ₹6,000/year in 3 installments | Landholding farmer families in Bihar |
| Mukhyamantri Laghu Udyami Yojana | Support for micro-enterprises (check portal) | Small entrepreneurs starting businesses in Bihar |
| PM Awas Yojana (Bihar) | Financial assistance for housing | Homeless/rural families without pucca houses |
| Ujjwala Yojana (Bihar) | Free LPG connection | Adult women from low-income households |
| Ayushman Bharat (Bihar) | Up to ₹5 lakh health cover/year | Eligible low-income families |
| Sukanya Samriddhi Yojana | Tax-free savings for girl child | Parents of girl child below 10 years |
| Atal Pension Yojana | ₹1,000–₹5,000 monthly pension | Workers aged 18–40, unorganized sector |
| Bihar Skill Development Mission | Free vocational training | Youth of Bihar seeking job skills |
| Mukhyamantri Balak Balika Protsahan Yojana | Cash reward for board exam toppers | Class 10/12 students of Bihar boards |
| Bihar Old Age Pension (SSPY) | Monthly pension support | Senior citizens of Bihar, BPL category |
| Mukhyamantri Kanya Sumangala-type state girl child support | Check official portal for current benefit | Families with girl children in Bihar |
For Students: The Schemes That Pay for Your Education
Education schemes are where Bihar’s government has spent the most effort. If you are a student, start here — these three schemes alone can cover most of your study costs.
Which Bihar Scheme Gives ₹50,000 to Girls?
The Mukhyamantri Kanya Utthan Yojana gives ₹50,000 one-time to graduate girls in Bihar and ₹25,000 to unmarried girls who pass Class 12. It is the single biggest cash benefit for girl students in the state, and it comes straight into your Aadhaar-linked bank account.
The scheme is meant to stop girls from dropping out after school. Money is paid in stages — for birth, schooling milestones, and then the big amounts at Class 12 and graduation. If you are a girl studying in Bihar, this is the first scheme you should check.
How to apply: visit medhasoft.bih.nic.in, the Bihar scholarship portal. Fill in your details, upload your marksheet and Aadhaar, and link your bank account. The helpline number is 9534547098 if your application gets stuck.
A simple truth: most rejected applications fail because the name on the Aadhaar doesn’t match the name on the bank account. Fix that before you apply and you save yourself months of waiting.
How to Apply for Bihar Student Credit Card?
The Bihar Student Credit Card scheme gives you an education loan of up to ₹4 lakh. The interest is simple and low: 4% per annum for general students, and just 1% for girls, transgender students and differently-abled students. There is no collateral, and the Bihar government acts as your guarantor.
You repay the loan only after you find employment, which takes the pressure off your family during your study years. The loan covers tuition fees and other study expenses for higher education.
How to apply: register on the Bihar education department’s student credit card portal through the state website. Keep your Aadhaar, admission letter, fee structure and bank details ready. The loan is disbursed to your institution and your account as per the approved plan.
If money has ever stopped a family in Bihar from sending a child to college, this scheme exists to remove that excuse. Such a low-interest loan with no collateral is rare anywhere in India.
What About Post-Matric Scholarships in Bihar?
Bihar runs post-matric scholarships for SC, ST, OBC and EBC students studying beyond Class 10. The scholarship covers tuition fees plus a maintenance allowance, so hostel and daily costs are covered too.
Applications also go through medhasoft.bih.nic.in. You need your caste certificate, income certificate, previous year’s marksheet and bonafide certificate from your college. Deadlines are strict — most years the window opens after the academic session starts and closes within a few months.
Renewal is yearly. You must reapply each academic year and maintain the required attendance and passing marks, or the scholarship stops.
Are There Rewards for Bihar Board Toppers?
Yes. The Mukhyamantri Balak Balika Protsahan Yojana pays cash rewards to students who score high in Class 10 and Class 12 Bihar board exams. The amounts differ by division and category — check the official Bihar portal for the current benefit amount.
Unlike most schemes, you don’t “apply” in the usual way. If you qualified, your name appears on the merit list and the award process starts through your school or the education department. Keep your bank account Aadhaar-linked so the payment lands without trouble.
For Women: Schemes That Put Money in Her Hands
Bihar has pushed several schemes aimed at women — from education to livelihoods. The Kanya Utthan scheme above already covers girl students. Here are the ones for adult women.
What is Jivika and How Does it Help Rural Women?
Jivika, the Bihar Rural Livelihoods Project, organizes rural women into Self-Help Groups (SHGs). Through an SHG, women get access to bank credit, savings support and livelihood training that they could never get alone.
An SHG typically has 10-15 women from the same village. The group saves together, takes small loans together, and the repayment record builds each member’s credit history. Jivika also connects groups to government programs and market opportunities.
How to join: contact your village’s Jivika community coordinator or the block-level office. There is no application fee. If no SHG exists in your village, Jivika helps form one.
Millions of Bihar women have joined SHGs through Jivika. For a woman in a village with no income of her own, an SHG is often the first door that opens.
How Does Sukanya Samriddhi Yojana Help Bihar Families?
Sukanya Samriddhi Yojana is a central scheme that works fully in Bihar. Parents can open an account for a girl child below 10 years at any post office or authorized bank branch. The money grows tax-free with a government-fixed interest rate, and it matures when she turns 21.
You can deposit as little as ₹250 a year, so even families with small incomes can build a fund for their daughter’s education or marriage. The account also gives tax benefits under Section 80C.
Only two accounts per family are allowed (one per girl child), with an exception for twins. Try our calculator linked above to see exactly how much your deposits can grow over the years.
For Farmers: Income Support That Actually Reaches the Field
Farming families in Bihar get help from both central and state schemes. The central ones are the most reliable because the money flow is well established.
How Much Does PM Kisan Pay Bihar Farmers?
The PM Kisan Samman Nidhi pays ₹6,000 per year to eligible landholding farmer families, in three installments of ₹2,000 each. Bihar farmers are fully covered — the money lands directly in the bank account through DBT.
To keep receiving installments, your eKYC must be complete and your Aadhaar must be linked to your bank account. Miss either one and the installment gets held. You can check your PM Kisan installment status on our detailed guide if a payment hasn’t arrived.
New farmers can register on the PM Kisan portal or through their nearest CSC (Common Service Centre). Keep your land records, Aadhaar and bank passbook ready.
What State Agriculture Schemes Exist in Bihar?
Bihar’s agriculture department runs several state-level schemes for farmers — diesel subsidy for irrigation, subsidies on seeds and farm machinery, and support for horticulture and fisheries. Benefit amounts change with each season’s notifications, so check the official Bihar agriculture portal for the current benefit amount.
Most of these work through DBT too. The application usually happens at the block agriculture office or through the department’s online portal. Keep your farmer registration and land documents updated, because outdated records are the main reason applications get rejected.
For Entrepreneurs: Starting a Business in Bihar
What Support Does Mukhyamantri Laghu Udyami Yojana Offer?
The Mukhyamantri Laghu Udyami Yojana is Bihar’s scheme for small entrepreneurs — people who want to start a micro-enterprise like a shop, tailoring unit, food business or repair service. The scheme provides financial support and interest subsidy to make starting up easier.
Exact benefit amounts and subsidy rates are revised in official notifications, so check the official Bihar portal for the current benefit amount before you plan around a number. What is stable is the intent: the state wants first-time entrepreneurs, especially from weaker sections, to get a real shot at self-employment.
How to apply: watch for the scheme’s application window on the Bihar industries department portal. You will need your business plan basics, Aadhaar, address proof and bank details. Training support is sometimes bundled with the financial help.
Can Bihar Youth Get Free Skill Training?
Yes. The Bihar Skill Development Mission offers free vocational training to the youth of Bihar in trades like electrician work, tailoring, computer skills, hospitality and more. Training centres run across districts.
Courses are short — usually a few months — and many include placement assistance. If you dropped out of formal education or want a practical skill that leads to a job, this is worth more than another certificate course you pay for.
Enroll through the Bihar Skill Development Mission website or visit your district’s skill centre. Bring Aadhaar and your educational certificates.
For Families: Housing, Cooking Gas, Health and Old Age
These schemes cover the basics of family life — a roof, clean cooking fuel, health cover and a pension for the elderly.
How to Get a House Under PM Awas Yojana in Bihar?
PM Awas Yojana (Gramin for rural Bihar, Urban for cities) gives financial assistance to families without a pucca house. In rural Bihar, the money is released in installments as construction progresses, and the house must be in the woman’s name or jointly owned.
Beneficiary lists are prepared from the SECC survey and updated lists. If your name is on the list, the block office will guide you through the documentation. Toilets and LPG connections are often bundled with the house under converging schemes.
Who Gets a Free Gas Connection Under Ujjwala?
Ujjwala Yojana gives free LPG connections to adult women from low-income households. The connection itself is free; the cylinder refill is paid, though subsidy support has applied at various times.
In Bihar, lakhs of households have moved from firewood and kerosene to LPG through this scheme. Apply through your nearest LPG distributor with Aadhaar, ration card or state-issued family ID, and bank details. The distributor verifies eligibility and issues the connection.
What Health Cover Does Ayushman Bharat Give in Bihar?
Ayushman Bharat PM-JAY gives eligible families up to ₹5 lakh per year of cashless treatment at empaneled hospitals. Bihar has a large number of empaneled government and private hospitals, including in Patna and district headquarters.
Check your eligibility on the Ayushman portal using your mobile number and ration card details. If eligible, get your Ayushman card made at a CSC or empaneled hospital — the card is what you show at admission time.
One card covers the whole family. For a family that could be wiped out by one hospital bill, this is the most valuable scheme on this list.
How Does Atal Pension Yojana Work for Bihar Workers?
Atal Pension Yojana is for workers aged 18 to 40 in the unorganized sector — daily wage workers, small vendors, farm laborers. You contribute a small monthly amount, and after 60 you get a guaranteed pension of ₹1,000 to ₹5,000 per month depending on your contribution.
Open an account at any bank branch in Bihar with Aadhaar and a savings account. The contribution is auto-debited monthly, so pick an amount you can sustain for years. Check the chart on our detailed guide to pick the right pension slab for your age.
Is There an Old Age Pension in Bihar?
Yes. Bihar’s Social Security Pension Scheme (through the SSPY portal) pays a monthly pension to senior citizens in the BPL category. The amount is modest, but for an elderly person with no income, it covers basics.
Apply at your block office or through the SSPY portal with Aadhaar, age proof and BPL/ration card details. Payments come through DBT to the bank account.
Before You Apply: The Real Checklist
Do these before you touch any application form. They prevent 90% of rejections.
A name mismatch between Aadhaar and bank account is the number one reason Bihar scheme payments fail.
No government scheme in this list charges an application fee on the official portal.
A 0% interest education loan with no collateral exists in Bihar — most families just don’t know about it.
Always apply on the official portal or at a government office; agents who “guarantee” approval are running a scam.
One hospital bill can wipe out a family’s savings — Ayushman Bharat’s ₹5 lakh cover exists exactly for that moment.
Frequently Asked Questions
Which scheme is best for girl students in Bihar?
The Mukhyamantri Kanya Utthan Yojana is the best direct-benefit scheme — ₹25,000 after Class 12 (unmarried) and ₹50,000 on graduation, paid into the student’s Aadhaar-linked account. Combine it with the Bihar Student Credit Card (education loan up to ₹4 lakh at just 1% interest for girls) and post-matric scholarships, and a girl student in Bihar can realistically study through graduation with almost no family expense.
How do I apply for the Bihar Student Credit Card?
Register on the Bihar education department’s student credit card portal with your Aadhaar, admission letter, fee structure and bank details. The government acts as guarantor, so no collateral is needed. Girls, transgender and differently-abled students get the loan at just 1% simple interest; other students pay 4%. Repayment starts only after you get a job.
Is there any application fee for Bihar government schemes?
No. None of the schemes in this list charge an application fee on the official portal or at government offices. If anyone asks you for money to “approve” your application, it is a scam. CSC centres may charge a small service fee for helping you fill the form — that is for the service, not the scheme.
What should I do if my scheme payment fails or gets stuck?
First check the basics: is your Aadhaar linked to your bank account, and does the name match exactly? Then check your application status on the scheme’s portal. For Kanya Utthan issues, call the helpline 9534547098. For PM Kisan, verify your eKYC and PM Kisan installment status. Most stuck payments unblock once the Aadhaar-bank seeding is fixed — visit your bank branch to confirm DBT is enabled.
Where can I check my Bihar scheme application status?
Each scheme has its own portal. Scholarship and Kanya Utthan applications are tracked on medhasoft.bih.nic.in. PM Kisan status is on the PM Kisan portal. Pensions are tracked on Bihar’s SSPY portal. Always use the official portal — never share your OTP or Aadhaar details with anyone who calls claiming to “verify” your application.
Final Thoughts
Fifteen schemes. That is the whole point of this list — not fifty, not five. These are the ones that pay real money, to real people, through systems that actually work in Bihar.
If you take one action today, make it this: check that your Aadhaar is linked to your bank account and the names match. That single step decides whether any of these schemes pay you or leave you waiting.
Start with the scheme that fits your life right now — a student should begin with Kanya Utthan or the Student Credit Card, a farmer with PM Kisan, a family with Ayushman Bharat. Apply on the official portal, keep your documents ready, and never pay anyone for “approval.” The money is yours by right. Go claim it.
