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

List of Social Security Welfare Schemes for Unorganised Sector | Check Employment Schemes for Unorganised Workers in India: Central government led by PM Narendra Modi has started various schemes for welfare of unorganised sector workers in the past 10 years. As unorganized sector workers of India are its most valuable resource, our billion-strong nation needs the nurture and care them so that they can achieve a better quality of life.

Unorganised sector workers can apply online for e-shram card in order to avail benefits of social security and employment schemes meant for them. Check the list of both social security schemes and employment schemes launched for unorganised sector workers from 2014 to 2024.

Social Security Welfare Schemes List for Unorganised Workers

Following social security scheme benefits can be availed by unorganised workers using e shram card:-

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

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.

PM-SYM Eligibility Criteria

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).

PM SYM 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 & Self-employed Persons (PMLVMY)

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.

NPS Traders 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

PM Laghu Vyapari Mandhan Yojana 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)

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

PMJJBY 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)

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

PMSBY 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 (APY)

APY Eligibility

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

APY 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)

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.

PDS 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)

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.

PMAYG 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)

NSAP 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.

Old Age Protection 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)

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

Ayushman Bharat 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 (WHIS)

WHIS 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”

WHIS 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)

NSKFDC Eligibility

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

NSKFDC 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.

Link: Social Security Schemes in India PDF Download

Employment Schemes for Unorganised Sector Workers in India

Following employment scheme benefits can be availed by unorganised workers using e shram card:-

Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA)

MGNREGA Eligibility

Should be an Indian Citizen
Any person who is above the age of 18 and resides in rural areas is entitled to apply for work

MGNREGA Benefits

Any applicant is entitled to work within 15 days, for as many as he/she has applied, subject to a limit of 100 days per household per year.
Wage rate (220) has been increased and to be incorporated.

Deen Dayal Upadhyay - Gramin Kaushalya Yojana (DDU-GKY)

DDU-GKY Eligibility

Should be an Indian Citizen
Between the ages of 15 and 35 years, are eligible for the training programs.
For women and other vulnerable groups like persons with disabilities, the upper age limit is relaxed to 45 years

DDU-GKY Benefits

Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY) aims to skill rural youth who are poor and provide them with jobs having regular monthly wages or above the minimum wages

PM Garib Kalyan Rozgar Yojana (PMGKRY)

GKRY Eligibility

Should be an Indian Citizen
People working in 25 types of working areas were identified such as, PM Kusum Works, cattle sheds, poultry shed, goat sheds, Shyama Prasad Mukherjee RURBAN mission, workers in national highways, in construction of wells etc. are eligible.

GKRY Benefits

The scheme will give employment for one hundred and twenty-five days.

Deen Dayal Updhyaya Antyodaya Yojana (DAY)

DAY Eligibility

Any Indian citizen intending to get trained on skills

DAY Benefits

The scheme aims to enhance skills and self-business by financing and supporting the poor.

PM Street Vendor Atmanirbhar Nidhi Yojana (PM Svanidhi)

PM SVANidhi Eligibility

Should be an Indian Citizen
Street vendors in possession of Certificate of Vending / Identity Card issued by Urban Local Bodies (ULBs);
The vendors, who have been identified in the survey but have not been issued Certificate of Vending / Identity Card

PM SVANidhi Benefits

To facilitate working capital loan up to 10,000.
To incentivize regular repayment.
To reward digital transactions.

Pradhan Mantri Kaushal Vikas Yojana (PMKVY)

PMKVY Eligibility

Should be an Indian Citizen
12th class dropouts or 10th pass students can enroll in PMKVY to develop their skill set
Applicable for any candidate of Indian nationality who is of age between 18-45 years

PMKVY Benefits

Create an ecosystem for the youth to make informed choices on the available skilling avenues.
Provide support to youth for skill training and certification.
Promote sustainable Skill Centres for greater participation of private sector.
Benefit 8 lakh youth over the scheme period (2020-21).

Prime Minister Employment Generation Programme (PMEGP)

PMEGP Eligibility

Should be an Indian Citizen
Any individual, above 18 years of age.
At least VIII standard pass for projects costing above Rs.10 lakh in the manufacturing sector and above Rs. 5 lakh in the business / service sector

PMEGP Benefits

Scheme for providing financial assistance to set up new enterprises

Source / Reference Link: https://www.eshram.gov.in/