Indian government is running a large number of Social Security Schemes for Unorganised Workers, check top 12 welfare schemes here. The list of twelve most opted social security welfare schemes by workers in the unorganized sector includes PMSYM, NPS Traders, PMJJBY, PMSBY, APY, PMAY-G, AB-PMJAY, among others. These schemes are currently running in the PM Narendra Modi led central government of India who has already served for a duration of over 10 years.
As unorganized sector workers of India are its most valuable resource, our billion-strong nation needs to 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 schemes meant for them. Check the list of top 12 social security schemes for unorganised workers in India from 2014-15 to 2024-25.
Also Read: e Shram Card Apply Online
List of Social Security Schemes for Unorganised Workers
Here is the complete list of top 12 social security schemes for unorganised sector workers which can be availed by using e shram card:-
1. PM Shram Yogi Mandhan 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, PM Shram Yogi Mandahan Yojana 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.
2. NPS Traders Scheme
- 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
NPS Traders Benefits
Under the NPS traders scheme, beneficiaries are entitled to receive minimum monthly assured pension of Rs. 3000/- after attaining the age of 60 years.
3. 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 PM Jeevan Jyoti Bima Yojana scheme is implemented by the Department of Financial Services and is available through banks
4. 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
Under PM Suraksha Bima Yojana, Rs. 2 lakh is given for accidental death and full disability while Rs. 1 lakh is given for partial disability.
Note: This scheme is implemented by the Department of Financial Services and is available through banks.
5. 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 under Atal Pension Yojana will be given to the spouse or if the spouse is dead as well then to the nominee.
6. 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.
7. 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
Under PMAY Gramin, Assistance provided to the beneficiary to the tune of Rs. 1.2 Lakh in plain areas and Rs. 1.3 Lakh in Hilly Areas.
8. 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.
9. 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.
10. 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:-
