List of Social Security Welfare Schemes for Unorganised Sector Workers in India

Central government has released details of Social Security Schemes 2021 for Unorganised Workers in India. Union Govt. is taking several measures to benefit building workers, construction workers and other labourers across the country. One such measure includes the recently launched e Shram Portal to create National Database of Unorganised Workers. Other measures includes social security welfare schemes to benefit labour community in unorganised sector.

Social Security Schemes for Unorganised Workers in India

Here is the complete list of social security welfare schemes for unorganised sector workers in India:-

Pradhan Mantri Shram Yogi Maan-Dhan (PM-SYM) Pension Yojana

• Voluntary and contributory pension scheme.
• Monthly contribution ranges from Rs. 55 to Rs. 200 depending upon the entry age of the beneficiary.
•  50% monthly contribution is payable by the beneficiary and equal matching contribution for PMSYM social security scheme is paid by the Central Government.

Eligibility

• Should be an Indian Citizen
• Unorganised Workers ( for example: working as street vendors,  agricluture labourers, construction site workers, workers in industries of leather, handloom, mid-day meal workers, rickshaw pullers or auto wheelers, rag pickers, carpenters, fisherman’s etc.)
• Age group of 18-40 years
• Monthly income is below Rs.15000 and not a member of EPFO/ESIC/NPS (Govt. funded).

Benefits

• After attaining the age of 60 yrs, beneficiaries are entitled to receive minimum monthly assured pension of Rs.3000/-.
• On death of the beneficiary, spouse is eligible for 50% monthly pension.
• If husband and wife, both join the scheme, they are eligible for Rs. 6000/- monthly pension jointly.

National Pension Scheme for Shopkeepers, Traders, and the Self-employed Persons (NPS-Traders)

• Voluntary and contributory pension schemes
• Monthly contribution ranges from Rs.55 to Rs.200 depending upon the entry age of the beneficiary.
• 50% monthly contribution is payable by the beneficiary and equal matching contribution is paid by the Central Government for NPS social security scheme.

Eligibility

• Should be an Indian Citizen
• Shopkeepers or owners who have petty or small shops, restaurants, hotels, real estate brokers, etc.
• Age of 18-40 years
• Not covered in EPFO/ESIC/PM-SYM
• Annual turnover not more then Rs. 1.5 Crore

Benefits

• Under the scheme, beneficiaries are entitled to receive minimum monthly assured pension of Rs.3000/- after attaining the age of 60 years.

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Eligibility

• Should be an Indian Citizen
• In the age group 18 to 50 years
• Having Jandhan or saving bank account with Aadhaar.
• Auto-debit from bank account on consent

Benefits

• Rs.2 lakh on death due to any cause

Note: This scheme is implemented by the Department of Financial Services and is available through banks. 

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Eligibility

• Should be an Indian Citizen
• In the age group 18 to 70 years
• Having Jandhan or saving bank account with Aadhaar.
• Auto-debit from bank account on consent

Benefits

• Rs. 2 lakh for accidental death and full disability and Rs. 1 lakh for partial disability

Note: This scheme is implemented by the Department of Financial Services and is available through banks.

Atal Pension Yojana

Eligibility

• Should be an Indian citizen
• Between the age of 18-40 years
• Having bank account linked with Aadhaar

Benefits

• The contributor on his choice, can attain a pension of 1000-5000 rupees, or he can also get an accumulated sum of the pension after his death.
• The accumulated amount will be given to the spouse or if the spouse is dead as well then to the nominee.

Public Distribution System (PDS)

Eligibility

• Should be an Indian citizen
• All families below the poverty line.
• Any family which does not have a member between ages 15 and 59 years of age.
• Any family which has a disabled member is also eligible to avail of benefits under Pradhan Mantri Awas Gramin Yojana
• Those who do not have a permanent job and only engage in casual labour.

Benefits

• 35 kg of rice or wheat every month, while a household above the poverty line is entitled to 15 kg of food grain on a monthly basis.
• Being implemented as One Nation One Ration Card (ONORC)to enable migrant workers to receive the food grains wherever they are working.

Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

Eligibility

• Should be an Indian citizen
• Any family including workers, which does not have a member between ages 15 and 59 years of age.
• Any family which has a differently abled member is also eligible to avail  benefits under Pradhan Mantri Awas Gramin Yojana
• Those who do not have a permanent job and only engage in casual labour.

Benefits

• Assistance provided to the beneficiary to the tune of Rs. 1.2 Lakh in plain areas and Rs. 1.3 Lakh in Hilly Areas.

National Social Assistance Programme (NSAP) – Old age Protection

Eligibility

• Should be an Indian citizen
• Any person who has little or no regular means of subsistence from his/her own source of income or through financial support from family members or other sources.

Benefits

• Central Contribution @ Rs 300 to Rs 500 for different age group.
• Monthly pension ranges from Rs 1000 to Rs 3000/ depending upon State Government’s contribution.

Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)

Eligibility

• Household with no adult/male/ earning member within the age group of 16-59 years
• Families living in one room with Kuccha walls and roof
• Families with no members within the age group of 16-59 years
• Household without a healthy adult member and one differently abled member
• Manual scavenger families
• Landless households earning a major part of their family income from manual labour

Benefits

• Health coverage of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization free of cost.

Health Insurance Scheme for Weavers (HIS)

Eligibility

• Should be an Indian Citizen
• The weaver should be earning at least 50% of his income from handloom weaving
• All weavers, whether male or female, are eligible to be covered under the “Health Insurance Scheme”

Benefits

• The beneficiaries of HIS scheme would avail a package of Rs 15,000 that includes both pre-existing diseases and new diseases. The division in terms of disbursement of the amount according to the medical conditions stands as – Maternity benefit (per child for the first two)- Rs. 2500, Eye treatment – Rs. 75, Spectacles – Rs. 250, Domiciliary Hospitalisation – Rs. 4000, Ayurvedic / Unnani / Homeopathic / Siddha- Rs 4000, Hospitalization (including pre and post) – Rs 15000, Baby coverage -500, OPD and limit per illness – Rs 7500.

National Safai Karamcharis Finance and Development Corporation (NSKFDC)

Eligibility

• Should be an Indian Citizen
• People involved as Safai karmacharis and manual scavengers

Benefits

• Scheme provides financial assistance to the Safai Karamcharis, Manual Scavengers and their dependants through SCAs/RRBs/Nationalized Banks for any viable income generating scheme including sanitation related activities and for education in India and Abroad.

Self Employment Scheme for Rehabilitation of Manual Scavengers (Revised)

Eligibility

• Should be an Indian Citizen
• Identified manual scavengers, one from each family, eligible for One Time Cash Assistance (OTCA) of Rs. 40,000/- or any such amount as OTCA as revised from time to time.

Benefits

• The manual scavenger and the dependents shall be provided, free of cost, skill training of their choice from the list of such trainings organized by the National Safai Karmacharis Finance and Development Corporation (NSKFDC) from time to time . A monthly stipend of Rs. 3000/-(Rupees three thousand only) or any such amount as may be decided from time to time  shall be remitted by NSKFDC.

For more details, visit the official govt. of India website at https://www.india.gov.in/

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