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as an Indian Citizen

Find government schemes you qualify for, know your legal rights, save important helplines, and generate RTI letters — all free, no login needed.

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1. What is your main occupation?
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🏛️ Salaried (Govt)
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2. Yearly household income (approx.)
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₹1 – 2.5 Lakh
₹2.5 – 5 Lakh
₹5 – 10 Lakh
Above ₹10 Lakh
3. Special category (select all that apply)
👩 Women
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Why MeraHaq Exists

Most Indians never claim what is already theirs

These are not charities. These are rights and entitlements paid for by your taxes and guaranteed by the Constitution of India.

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Hundreds of Schemes
India has hundreds of central and state welfare schemes. The average family qualifies for many of them but claims only 1–2.
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Nobody Tells You
Scheme information is buried in government PDFs and ministry portals that most people cannot navigate easily.
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These Are Your Rights
Free legal aid, worker protections, emergency hospital treatment — these are constitutional and legal rights, not charity.
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Real Money Is Waiting
Between PM Kisan, crop insurance, scholarships, food security and insurance schemes — eligible families can access significant benefits they are legally entitled to but often miss.
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Official Sources Only
Every scheme links to its official government source. All information is sourced from .gov.in portals only. We present it in plain language — always verify before applying.
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Emergency & Important helplines

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RTI Letter Generator
Right to Information Act 2005 · Ask any govt department anything · Free

Under the RTI Act 2005, any Indian citizen can ask any government office for information. They must reply within 30 days. Application fee is ₹10 for Central Government departments (free for BPL cardholders). State government fees may vary — check your state portal. You can write your name as "A Citizen" if you prefer privacy.

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Learn & Understand

Guides for Every Indian Citizen

Plain-language guides to help you understand your rights, claim your benefits, and navigate government systems with confidence.

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How to File an RTI Application in India
GUIDE · RTI Act 2005
The Right to Information Act 2005 gives every Indian the right to request information from any government department. Pay ₹10, get a reply in 30 days. Free for BPL card holders.
Key steps: Write a simple letter, pay ₹10 fee, submit to the Public Information Officer (PIO). They must respond within 30 days. Use our RTI Tool to generate the letter automatically.
RTI Act 2005 · rtionline.gov.inRead Full Guide →
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Ayushman Bharat: Free ₹5 Lakh Health Insurance
GUIDE · AB-PMJAY
Ayushman Bharat gives ₹5 lakh per year of FREE hospital treatment to over 50 crore Indians. Most eligible families don't know they're on the list and never claim this benefit.
Check eligibility: Call 14555 or visit pmjay.gov.in with your Aadhaar. Walk into any empanelled hospital — no cash, no premium. Covers 1,929 procedures including cancer, heart surgery, dialysis.
pmjay.gov.in · Helpline: 14555Read Full Guide →
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PM Kisan: ₹6,000/Year for Farmers
GUIDE · PM-KISAN
PM Kisan Samman Nidhi gives ₹6,000 per year in 3 instalments of ₹2,000 directly to farmer bank accounts. Millions of eligible farmers are missing payments due to registration errors.
Check your status: Visit pmkisan.gov.in → "Beneficiary Status" → enter Aadhaar. If payments are stuck, complete e-KYC at any Common Service Centre (CSC) or Gram Panchayat.
pmkisan.gov.in · Helpline: 155261Read Full Guide →
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MGNREGA: 100 Days Guaranteed Work for Rural Families
GUIDE · MGNREGA Act
Every adult in a rural household has a legal right to 100 days of paid work per year. If the government cannot provide work within 15 days, you are entitled to an unemployment allowance.
How to claim: Get a Job Card from your Gram Panchayat (free). Submit written demand for work. Wages paid at ₹247–₹386/day (state-wise) directly to your bank account within 15 days.
nrega.nic.in · Helpline: 1800-345-22-44Read Full Guide →
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Ration Card: Free & Subsidised Food for Your Family
GUIDE · NFSA 2013
Over 80 crore Indians are entitled to free food grains under PMGKAY — 5 kg per person per month at zero cost. A ration card is your key to claim it. Includes One Nation One Ration Card for migrants.
Apply: Visit your state's Food Department portal or nearest Tehsil/Block office. Get card in 30 days. Complaint helpline: 14445. Use pgportal.gov.in if ration is denied.
nfsa.gov.in · Helpline: 14445Read Full Guide →
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PMAY: Free House for Rural & Urban Poor
GUIDE · PMAY-G · PMAY-U
Pradhan Mantri Awas Yojana gives ₹1.20–1.30 lakh grants to rural families for house construction, and credit-linked subsidies to urban EWS/LIG families. Must not own a pucca house anywhere.
Rural: Check list at pmayg.nic.in → contact Gram Panchayat. Urban: Apply at pmaymis.gov.in. Helplines: Gramin 1800-11-6446 · Urban 1800-11-3377.
pmayg.nic.in · pmaymis.gov.inRead Full Guide →
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Ujjwala Yojana: Free LPG Connection for BPL Women
GUIDE · PMUY · Ujjwala 2.0
PM Ujjwala Yojana gives free LPG gas connection, cylinder, regulator, and pipe to BPL women. Connection is in the woman's name. First refill is also free. Subsidy credited to bank via DBT.
Apply: Visit any Indane, HP Gas, or Bharat Gas agency. Fill KYC form with Aadhaar + bank passbook + ration card. Or apply online at pmuy.gov.in. Takes 3–7 working days.
pmuy.gov.in · LPG Emergency: 1906Read Full Guide →
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Government Scholarships for Indian Students
GUIDE · NSP · scholarships.gov.in
India's National Scholarship Portal has 120+ scholarships for SC, ST, OBC, minority, and disabled students from Class 9 to PhD. Lakhs go unclaimed every year because students don't know they exist.
Apply: Register at scholarships.gov.in with Aadhaar. Applications open July–November. Keep income certificate, caste certificate, bank passbook, and marksheet ready. Completely free to apply.
scholarships.gov.in · NSPRead Full Guide →
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Your Legal Rights in India — Police, Arrest & Free Aid
GUIDE · Constitution · BNSS 2023
If police stop, question, or arrest you — you have constitutional rights they cannot violate. Right to lawyer, right to bail, right to free legal aid, right to be produced before magistrate in 24 hours.
Key right: Say "I want to speak to a lawyer before answering any questions." Free legal aid: call NALSA at 15100 (24/7). File FIR against police if rights are violated.
nalsa.gov.in · NHRC: 14433Read Full Guide →
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Sukanya Samriddhi Yojana — 8.2% Tax-Free Savings for Girls
GUIDE · SSY · Beti Bachao
The highest interest rate of any government savings scheme — 8.2% per year, fully tax-free, guaranteed by the Government of India. Open for girls below 10 years. Start with just ₹250.
Open account: Visit any Post Office or authorised bank (SBI, PNB, HDFC etc.) with the girl's birth certificate + parent's Aadhaar. Account matures at age 21. Triple tax benefit under Section 80C.
indiapost.gov.in · Ministry of FinanceRead Full Guide →
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Aadhaar Card – Download, Update & Link Guide
GUIDE · UIDAI · uidai.gov.in
Aadhaar is used for everything in India — bank accounts, government schemes, SIM cards and more. Learn how to download your e-Aadhaar free, update your address, link with mobile, and use the mAadhaar app.
Key actions: Download free at myaadhaar.uidai.gov.in. Update address online for ₹50. Get instant plastic PVC card for ₹50. Lock biometrics to prevent misuse. Helpline: 1947.
uidai.gov.in · Helpline: 1947Read Full Guide →
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Voter ID Card – Apply, Download & Correct Guide
GUIDE · Election Commission · voters.eci.gov.in
Every Indian citizen aged 18+ has the right to vote and get a Voter ID card. Learn how to apply online, download your e-EPIC (digital Voter ID), check your name on the voter list, and correct mistakes.
Key actions: Apply free at voters.eci.gov.in. Download e-EPIC from same portal. Check voter list at electoralsearch.eci.gov.in. Correct mistakes using Form 8. Helpline: 1950.
voters.eci.gov.in · Helpline: 1950Read Full Guide →
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PAN Card – Apply, Download e-PAN & Link Aadhaar
GUIDE · Income Tax Dept · incometax.gov.in
PAN card is mandatory for income tax, bank accounts, and high-value transactions. Learn how to apply online, get instant e-PAN free via Aadhaar, link PAN with Aadhaar, and correct mistakes.
Key actions: Get instant e-PAN free at incometax.gov.in. Apply new PAN at NSDL for ₹107. Link PAN-Aadhaar (₹1,000 fee). Download e-PAN anytime for free. Do not have two PANs.
incometax.gov.in · onlineservices.nsdl.comRead Full Guide →
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Labour Rights in India – Worker Rights & Laws
GUIDE · Labour Ministry · labour.gov.in
Every Indian worker has legal rights — minimum wage, limited working hours, EPF provident fund, gratuity after 5 years, ESI health insurance, and maternity leave. Know your rights and how to complain if violated.
Key rights: Minimum wage mandatory, overtime at 2x rate, EPF for salary below ₹15,000, ESI for salary below ₹21,000, gratuity after 5 years. Complain at shramsuvidha.gov.in. Helpline: 1800-11-2526.
labour.gov.in · epfindia.gov.inRead Full Guide →
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Women's Rights in India – Laws, Schemes & Helplines
GUIDE · WCD Ministry · wcd.nic.in
Women in India have strong legal protections — against domestic violence, workplace harassment, and property discrimination. Plus government schemes like Ujjwala, Sukanya Samriddhi, and maternity benefits.
Key rights: Domestic Violence Act protection, POSH Act at workplace, equal property inheritance rights, 26 weeks paid maternity leave. Emergency: Women Helpline 1091 · Distress: 181.
wcd.nic.in · Women Helpline: 1091Read Full Guide →
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Jan Dhan Yojana – Zero Balance Account & Benefits
GUIDE · PMJDY · pmjdy.gov.in
Over 53 crore accounts opened. Every Indian gets a free zero-balance account with RuPay debit card, ₹10,000 overdraft after 6 months, and ₹2 lakh accident insurance — all with no minimum balance ever.
Open account: Walk into any nationalised bank with Aadhaar. Ask for "PM Jan Dhan Account". Same-day activation. RuPay card in 10 days. Link Aadhaar to receive all govt DBT payments directly.
pmjdy.gov.in · Helpline: 1800-11-0001Read Full Guide →
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Atal Pension Yojana – Guaranteed ₹5,000/Month After 60
GUIDE · APY · npscra.nsdl.co.in
Any Indian aged 18–40 in the unorganised sector can get a guaranteed monthly pension of ₹1,000 to ₹5,000 after age 60. Start at just ₹42/month. Income tax payers are not eligible since October 2022.
Enrol: Visit your bank branch or use mobile/net banking. Choose pension amount (₹1,000–₹5,000). Monthly contribution auto-debited. Helpline: 1800-110-069.
npscra.nsdl.co.in · PFRDARead Full Guide →
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PM Fasal Bima Yojana – Crop Insurance at 1.5% Premium
GUIDE · PMFBY · pmfby.gov.in
Protect crops from drought, flood, cyclone, pest, and disease. Farmers pay only 1.5% (Rabi) or 2% (Kharif) premium — the government pays the rest. Report loss within 72 hours to claim compensation.
Enrol: Apply before season deadline at your KCC bank, CSC, or pmfby.gov.in. Loanee farmers auto-enrolled. Claim helpline: 14447. Use Fasal Bima app to upload crop damage photos.
pmfby.gov.in · Helpline: 14447Read Full Guide →
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PM Mudra Yojana – Business Loan up to ₹20 Lakh
GUIDE · PMMY · udyamimitra.in
Small business owners, vendors, artisans, and self-employed individuals can get collateral-free business loans from ₹50,000 to ₹20 lakh. No guarantor needed. 68% of beneficiaries are women.
Apply: Visit any bank, RRB, or MFI. Choose Shishu (up to ₹50K), Kishore (₹50K–₹5L), Tarun (₹5L–₹10L), or Tarun Plus (₹10L–₹20L). Apply online free at udyamimitra.in.
mudra.org.in · udyamimitra.inRead Full Guide →
About MeraHaq

What Is MeraHaq — And Why We Built It

MeraHaq (मेरा हक़ — meaning "my right" or "what is mine by right") is a free citizen information platform built to help every Indian access the government schemes, legal protections, and constitutional rights they are already entitled to — but often don't know about or can't navigate to claim.

India has over 500 central and state government welfare schemes covering health insurance, direct cash transfers, free housing, crop insurance, scholarships, food security, and more. The average eligible Indian family claims fewer than 2–3 of the schemes they qualify for. The rest — worth tens of thousands of rupees per year — go unclaimed, not because of ineligibility, but because of awareness gaps and bureaucratic complexity.

MeraHaq exists to close that gap. We explain every major scheme in plain language — who qualifies, how to apply step by step, what documents to carry, what to do when something goes wrong, and which official helplines to call. All information is sourced from official .gov.in government portals and verified before publication.

What MeraHaq Covers

Our guides cover India's most important government schemes and citizen rights across six categories:

  • Health: Ayushman Bharat PM-JAY (₹5 lakh free health insurance for 55+ crore Indians), ABHA digital health card, National Dialysis Programme, free maternity benefits
  • Agriculture: PM-KISAN (₹6,000/year direct transfer to 11 crore farmers), Kisan Credit Card at 4% interest, PM Fasal Bima crop insurance, MGNREGA 100-day work guarantee
  • Housing: PM Awas Yojana Gramin (free rural housing), PM Awas Yojana Urban, state-specific housing schemes
  • Legal Rights: RTI (Right to Information) filing guide, free legal aid under NALSA, consumer rights and complaint process, domestic violence protection laws, labour rights
  • Documents: Aadhaar update and correction, ration card application, PAN card guide, voter ID guide, e-Shram card registration
  • Savings & Pensions: Sukanya Samriddhi Yojana, Atal Pension Yojana, National Pension System, Jan Dhan zero-balance accounts

Our Editorial Approach

Every guide on MeraHaq is researched from primary government sources — ministry notifications, official portals, RTI responses, and NIC (National Informatics Centre) databases. We do not copy or paraphrase other websites. Our content is original, written in plain English and Hindi, and verified for accuracy before publication.

We update our guides when scheme rules change — installment dates, eligibility criteria, helpline numbers. Each guide shows its last verified date. If you find outdated information, contact us and we update within 48 hours.

MeraHaq is completely free, has no registration wall, collects no personal data, and is not affiliated with any government body, political party, or commercial organisation. We are funded solely by non-intrusive advertising. Your rights and entitlements information will always be free.

Data Accuracy Notice: All scheme information, eligibility criteria, benefit amounts and helpline numbers are sourced from official Government of India portals including MyScheme.gov.in, pmjay.gov.in, nrega.nic.in, scholarships.gov.in, nalsa.gov.in, rbi.org.in and individual Ministry websites. Data is periodically updated but policies may change — always verify on official portals before applying. This website is not affiliated with any government body, political party or commercial organisation. We do not collect your personal data, charge any fee, or provide legal advice. This is an informational tool only — not official government guidance.