About Rajesh Kumar
Rajesh Kumar is a Certified Financial Planner (CFP) and holds a M.A. in Public Administration from Delhi University. He has over 12 years of experience analyzing government welfare schemes, pension policy, and insurance regulations for Indian households.
Areas of Expertise
Policies Researched & Verified by Rajesh Kumar
PM Shram Yogi Maandhan
PM-SYM provides ₹3,000 monthly pension for unorganized workers with 50% matching government deposit.
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Ladli Behna Yojana
Mukhyamantri Ladli Behna Yojana provides monthly financial assistance of ₹1,500 directly into women's bank accounts.
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Sukanya Samriddhi Yojana
Sukanya Samriddhi Account (SSA) is a government-backed small deposit scheme offering 8.2% tax-free interest.
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Atal Pension Yojana
Atal Pension Yojana (APY) provides a guaranteed defined minimum monthly pension of ₹1,000 to ₹5,000 per month.
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PM Awas Yojana (PMAY)
Pradhan Mantri Awas Yojana-Urban 2.0 provides a 4% interest subsidy on the first ₹8 Lakhs of a home loan for up to 12 years, capped at ₹1.80 Lakhs, under the new Interest Subsidy Scheme (ISS) that replaced the older CLSS (which stopped accepting new applications in March 2022).
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Post Office MIS (POMIS)
Post Office MIS pays depositors a fixed 7.4% annual interest rate disbursed monthly.
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PM Internship Scheme
PM Internship Scheme provides 12-month real-world corporate internship opportunities in India's top 500 companies with monthly stipend of ₹5,000 and ₹6,000 grant.
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NPS Vatsalya Scheme
NPS Vatsalya enables parents and guardians to open a dedicated pension account for minor children starting from ₹1,000/year, creating a multi-crore retirement foundation through long-term compounding.
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Senior Citizen Savings Scheme (SCSS)
Senior Citizen Savings Scheme (SCSS) is a sovereign risk-free small savings program offering guaranteed 8.2% quarterly income and Section 80C tax deduction for senior citizens.
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