Social welfare schemes for STs in Punjab might focus on:

The correct answer is: d) All of the above

Social welfare schemes for STs in Punjab might focus on education, healthcare, and housing.

• Education: The government provides free education to ST students up to the higher secondary level. They also provide scholarships and other financial assistance to ST students who are pursuing higher education.
• Healthcare: The government provides free healthcare to ST patients through government hospitals and dispensaries. They also provide free medicines and other medical facilities to ST patients.
• Housing: The government provides financial assistance to ST families to build houses. They also provide loans at low interest rates to ST families to buy houses.

The government also provides other social welfare schemes for STs, such as employment generation schemes, skill development schemes, and poverty alleviation schemes. These schemes are aimed at improving the socio-economic condition of STs and bringing them at par with other communities.