siliconindia | | OCTOBER 20259Ajeet Kumar Singh, MD, Co-Founder & CEO, SAVE Solutions Pvt. Ltd, emphasizes, "The expansion of financial services in underserved areas, including rural locations, is a top priority for banking correspondents".Top 5 Government AppsMeri Panchayat App: An integrated m-governance platform by the Ministry of Panchayati Raj, Government of India, developed by NIC, empowers rural communities through transparency, accountability, and citizen participation.Launched in 2023 but crowned WSIS 2025 Champion for linguistic diversity, this NIC gem integrates with e-GramSwaraj for 80 crore rural voices. Beyond governance, it unlocks subsidies via geo-tagged grievances on MGNREGA wages or GPDP budgets, with weather forecasts aiding farm aid claims.UMANG (Unified Mobile App for New-age Governance): NeGD, through UMANG, developed a digital access point to the services and schemes of the central and the state governments in India. It has more than 2300 services on iOS, Android, web, and a chatbot/voice bot, such as Aadhaar, DigiLocker, Transport, health, and education, as well as utility bill payments.UMANG currently has 9.44 crore registrations and 664 crore transactions, thus, guaranteeing smooth interaction and engagement with citizens, disclosing, and convenient citizenship, and thus, making government services available at all locations, and any time which is certainly the inclusive governance vision of Digital India.JanSamarth Portal: JanSamarth is an online portal that was created by the Government of India to ease the access to government schemes linked to credit. It links the citizens to more than 125 lenders including the public sector banks so that they can check their eligibility, apply online and get online approval of loans up to 13 central government schemes.The portal is an area of four types of loans, Education, Agri Infrastructure, Business Activity, and Livelihood. JanSamarth can facilitate financial inclusion and accessibility by incorporating data of UIDAI, GST and other governmental agencies to simplify the process of loan applications.PM-KISAN GoI App: It is a fully Government-funded Central Sector scheme that is allowed to be operated since 1 st December 2018 and offers 6000 the yearly amount in three instalments to qualified landholding farming families. The money is directly deposited in the bank accounts of beneficiaries.e-KYC is obligatory, and the farmers are able to view their eligibility through the PM-Kisan portal, mobile app, or Kisan eMitra chatbot. The scheme will not cover the high-income earners, institutional landholders, and professionals, and some government officials, thus ensuring that income support is given to the rural farmers.Pradhan Mantri Awaas Yojana: Gramin (PMAY-G), under the Ministry of Rural Development, Government of India, aims to provide pucca houses to eligible rural families. Managed via the Awaas+ 2024 mobile app and Awaassoft platform, it enables self-survey, registration, verification, and tracking of houses.As of October 2025, over 3.96 crore registrations, 3.85 crore sanctions, and 2.88 crore completions have been recorded, with 3,91,642.19 crore disbursed through DBT. Developed by NIC, the platform enhances transparency, accountability, and citizen participation in rural housing initiatives.Kartik Sharma, Co-Founder & CEO, KShark Apps, highlights, "India has leaped into a new digital age, the app developers who have now got wings to secure themselves for the future".Looking AheadThe digital revolution in rural India is no longer a distant vision it is unfolding in real time. As smartphones reach every corner, India's villages are emerging as hubs of opportunity, innovation, and self-reliance, proving that true development thrives where technology meets human-centered design.
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