National Disability Financial Schemes
Indira Gandhi National Disability Pension Scheme (IGNDPS): Monthly pension of ₹300 (central contribution) for BPL families with 80%+ disability. Top-up by states varies significantly.
National Handicapped Finance and Development Corporation (NHFDC): Loans at 5% interest (lower for women) for education, self-employment, and assistive devices. Accessible through state channelizing agencies.
Scheme for Implementation of RTE for Children with Special Needs: Scholarships, stipends, and therapy cost support for school-enrolled children with disabilities.
National Disability Scholarship: Various scholarships for undergraduate and postgraduate education from the Ministry of Social Justice.
State-Level Disability Pensions (Selected States)
States significantly top up the central pension. Representative examples:
Maharashtra: ₹600/month (combined central + state)
Karnataka: ₹1,400/month for 75%+ disability
Tamil Nadu: ₹1,500/month for certified disabled persons
Delhi: ₹2,500/month for 40%+ disability
Kerala: ₹1,600/month
Andhra Pradesh: ₹3,016/month
Check your state government's Social Welfare Department website for current rates.
Assistive Devices Support
ADIP (Assistance to Disabled Persons for Purchase of Aids and Appliances) scheme covers assistive devices including AAC devices, hearing aids, and mobility aids for BPL families.
Tax Benefits
Section 80DD: Parent/guardian can claim up to ₹1,25,000/year for medical treatment and maintenance of dependent disabled person.
Section 80U: Person with disability claims ₹75,000 (40–79% disability) or ₹1,25,000 (80%+).