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🇮🇳 Kerala State Scheme

Kerala Welfare Schemes Finder — Calculations & Slabs for FY 2026-27

Enter your category, income, and occupation to match Kerala Labour Welfare Board, social security, and minority welfare schemes you are eligible to apply for.

⚠️ Disclaimer: Benefits may be revised by state government. Verify at official portal before applying.

1. Input Parameters

Required Documents Checklist

For Sevana Pensions

  • Aadhaar Card (Aadhaar Seeded bank account)
  • Annual Income Certificate from Village Officer
  • Ration Card copy showing name
  • Age Proof (SSLC or birth cert)

For LIFE Mission & KASP

  • Landless/homeless certificate (LIFE Mission)
  • Non-creamy layer / caste certificate (SC/ST)
  • Medical certificate (>40% disability proof)
  • e-Pehchan / ESI card if working

Social Security in Kerala

Kerala operates a robust social security and welfare pension network. The pensions are managed under the Sevana Pension Portal, covering senior citizens, widows, agricultural workers, and disabled individuals. Funding is jointly shared with the National Social Assistance Programme (NSAP).

Statutory Scheme Highlights

  • Sevana Pension: Standards rate is ₹1,600/month. Eligibility requires age 60+ (for old age pension) and a total household income of under ₹1 Lakh per year.
  • LIFE Mission: Unlocks financial aid of up to ₹4 Lakh in installments to construct a concrete house. Requires the family to be completely landless or homeless and registered on the state database.
  • Karunya Arogya Suraksha Padhathi (KASP): Provides secondary/tertiary hospital coverage of ₹5 Lakh per year for designated priority categories.

Last verified: June 2026

Frequently Asked Questions (FAQ)

Kerala Government Welfare Schemes eligibility 2026

Eligibility varies by scheme. For social welfare pensions (old age, widow, disabled, unmarried women), the family annual income must not exceed ₹1,00,000 and the beneficiary must be a resident of Kerala. For the KASP health scheme, eligibility is based on SECC BPL lists or an annual family income under ₹3,00,000 (for KBF support).

Kerala Government Welfare Schemes how to apply

You can apply for social security pensions online through the Sevana Pension Portal (welfarepension.kerala.gov.in) or by visiting your local Grama Panchayat/Municipality office. Education scholarships are processed through the e-District Kerala portal (edistrict.kerala.gov.in). This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

Kerala Government Welfare Schemes amount per month

Kerala social security pensions (Old Age, Widow, Disability, and Unmarried Women above 50) pay a standardized amount of ₹1,600 per month. The LIFE Mission housing scheme provides ₹4,00,000 in stages for house construction, and the KASP health insurance scheme offers ₹5,00,000 per family per year.

Kerala Government Welfare Schemes documents required

General documents required include: 1. Aadhaar Card copy. 2. Ration Card (BPL/Priority cards are highly preferred). 3. Income Certificate issued by the Village Officer. 4. Domicile/Residence certificate. 5. Medical certificate from a government doctor (for disability pension) or husband's death certificate (for widow pension).

Where can I verify the source data for this calculator?

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.

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About This Calculator

Target Audience: Salaried taxpayers, investors & retirees planning Indian tax & wealth growth

What Does This Calculator Do?

This finder checks eligibility across Kerala's flagship welfare pensions, housing assistance (LIFE Mission), and medical programs (KASP) for FY 2025-26 and FY 2026-27. It allows you to check multiple categories like senior citizen, widow, disability, and education support in one place.

How to Use It

  1. Select Benefit Tab: Choose between Health, Pension, Housing, or Education.
  2. Income & Demographics: Enter your family's annual income and select your age and gender.
  3. Special Categories: Indicate BPL status, SC/ST, or disability percentage if applicable.
  4. Verify Domicile: Confirm permanent residency in Kerala.

The Logic Explained Simply

  • Social Security Pensions: A flat ₹1,600 per month is paid to eligible categories (Old Age 60+, Widow, Disability 40%+, Unmarried Women 50+) with a family income ceiling of ₹1,00,000.
  • Healthcare (KASP): Provides ₹5 Lakh per year per family for secondary/tertiary hospital stays. Families with incomes under ₹3 Lakh qualify for state benevolent funds.
  • LIFE Mission Housing: Grants construction funds to landless/homeless families who fall under BPL/destitute criteria.
  • Education support: Offers fee waivers and cash stipends to SC/ST students in school or university.

Real-World Calculation Breakdown

A 62-year-old homemaker in Thrissur with a BPL card and an annual family income of ₹80,000 applies:

  • Income Check: ₹80,000 (Eligible, under the ₹1,00,000 pension cap).
  • Pension Check: Age 62 (Eligible for Old Age Welfare Pension).
  • Health Check: BPL card holder (Eligible for ₹5 Lakh/year KASP cover).
  • Verdict: Unlocks ₹1,600 per month (₹19,200/year) in direct cash pension, plus free cashless medical care up to ₹5,00,000 annually.

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