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Introduction:

The Government of India has always aimed to improve the livelihood and welfare of workers, especially those in the unorganized sector. In this pursuit, the E-Shram Card initiative was launched by the Ministry of Labour and Employment in August 2021. This ambitious project seeks to create a comprehensive national database of unorganized workers and provide them with a Universal Account Number (UAN), thus enabling better implementation of welfare schemes and benefits.

pension

What is the E-Shram Card?

The E-Shram Card is a unique identity card issued to unorganized workers in India. It is part of the E-Shram Portal, which is India’s first national database of unorganized workers, including gig workers, street vendors, construction workers, domestic helpers, agricultural laborers, and others. Each registered worker receives a 12-digit Universal Account Number (UAN) that remains valid across India.

This database aims to streamline government benefits, making sure they reach the right people directly and efficiently.

Objectives of the E-Shram Scheme

The main objectives of the E-Shram initiative are:

  1. Creating a centralized database of unorganized workers for better delivery of welfare schemes.
  2. Improving access to social security schemes such as insurance, pension, and employment benefits.
  3. Helping the government plan policy decisions based on accurate data.
  4. Enhancing job opportunities and providing skill development support.

Who Can Register for the E-Shram Card?

The E-Shram Card is designed for individuals working in the unorganized sector. To register, the applicant must:

  • Be an Indian citizen aged between 16 and 59 years.
  • Not be a member of EPFO (Employees’ Provident Fund Organisation), ESIC (Employees’ State Insurance Corporation), or NPS (National Pension System).
  • Be employed in informal jobs like construction, agriculture, fishing, hawking, domestic work, etc.

How to Apply for the E-Shram Card?

The application process is simple and free of cost. It can be done in three ways:

  1. Self-registration through the official portal: https://eshram.gov.in
  2. Through Common Service Centres (CSCs) available across the country.
  3. With the help of State Government outreach teams.

To register, workers need:

  • Aadhaar Number
  • Mobile number linked with Aadhaar
  • Bank account details

Benefits of the E-Shram Card

The E-Shram Card offers several direct and indirect benefits to registered workers:

  1. Accidental Insurance: Registered workers are eligible for ₹2 lakh accident insurance under the Pradhan Mantri Suraksha Bima Yojana (PMSBY).
  2. Direct benefit transfer (DBT): During crises like the COVID-19 pandemic, financial aid is directly credited to the worker’s account.
  3. Access to social welfare schemes: Easier access to schemes like PM-KISAN, Atmanirbhar Bharat Rojgar Yojana, and more.
  4. Portability of benefits: Workers moving between states can still access benefits using their UAN.
  5. Skill development opportunities: The card helps identify skilled and semi-skilled workers for training and job placements.

Challenges and Future Outlook

Despite its positive impact, the E-Shram initiative faces challenges like lack of awareness among rural populations, digital illiteracy, and difficulties in updating worker information. Moreover, coordination between central and state governments needs to be seamless to avoid data duplication.

However, the government is continuously working to improve these systems and integrate E-Shram data with various schemes. In the future, the E-Shram Card could become a central tool for labor reforms and ensure that “no worker is left behind.”

Conclusion

The E-Shram Card is a revolutionary step toward formalizing India’s unorganized workforce and bringing them under a security net. By bridging the gap between the government and workers, it ensures inclusiveness, dignity, and protection. With continuous efforts and public participation, the E-Shram scheme has the potential to transform millions of lives across the country.

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insurance

Introduction:

The Government of India has launched several welfare schemes to support workers in the unorganized sector who often lack access to formal social security. Two major initiatives are the Pradhan Mantri Shram Yogi Maandhan (PM-SYM) and the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Pradhan Mantri Suraksha Bima Yojana (PMSBY). These schemes aim to provide a steady pension and affordable life/accident insurance coverage to low-income individuals.

insurance

1. Pradhan Mantri Shram Yogi Maandhan (PM-SYM) – ₹3000 Monthly Pensio

Objective:
PM-SYM is a voluntary and contributory pension scheme for unorganized workers like street vendors, rickshaw pullers, construction workers, domestic workers, etc. It guarantees a minimum monthly pension of ₹3000 after the age of 60.

Eligibility:

  • Age: 18 to 40 years
  • Monthly income: Up to ₹15,000
  • Must not be covered under any statutory pension scheme (like EPFO, NPS, ESIC)
  • Must have a savings bank account and Aadhaar card

How It Works:

  • Workers contribute monthly based on their entry age. For example, an 18-year-old pays ₹55/month, while a 40-year-old pays ₹200/month.
  • The government contributes an equal matching amount into the subscriber’s pension account.
  • On reaching 60 years of age, the subscriber receives ₹3000/month as pension for life.
  • The scheme is managed by the Life Insurance Corporation (LIC).

In Case of Death:

  • If the subscriber dies before age 60, the spouse can continue the scheme.
  • After the subscriber’s death post-retirement, the spouse gets 50% of the pension.

How to Enroll:

  • Visit the nearest Common Service Centre (CSC).
  • Carry Aadhaar and bank details.
  • Biometric authentication is required for registration.

2. ₹2 Lakh Insurance Schemes: PMJJBY and PMSBY

a. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Coverage:
₹2 lakh life insurance in case of death due to any reason.

Eligibility:

  • Age: 18 to 50 years
  • Must have a bank account with auto-debit facility

Premium:
₹436/year, auto-debited from the bank account annually.

Policy Duration:
One year, renewable every year (1st June to 31st May).

Claim Process:

  • Nominee needs to submit a claim form, death certificate, and bank details to the bank.
  • The insurance company (usually LIC) processes the claim.

b. Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Coverage:

  • ₹2 lakh for accidental death or permanent disability
  • ₹1 lakh for partial disability

Eligibility:

  • Age: 18 to 70 years
  • Must have a bank account with auto-debit facility

Premium:
₹20/year, auto-debited from the account.

Policy Duration:
Like PMJJBY, it is annual and renewable.

Claim Process:

  • Similar to PMJJBY; includes FIR or post-mortem report in case of accidental death.

Key Benefits of These Schemes

  • Affordability: Designed for low-income workers with minimal premiums or contributions.
  • Government Backing: LIC and other government insurers handle operations, ensuring credibility.
  • Ease of Enrollment: Accessible via banks or CSCs, with minimal documentation.
  • Security for the Family: Pension ensures post-retirement stability, and insurance supports families in case of death.
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Conclusion

The ₹3000 pension under PM-SYM and the ₹2 lakh insurance schemes (PMJJBY & PMSBY) are crucial tools in the Indian government’s social security net. Together, they aim to protect millions of workers who otherwise face uncertain futures due to lack of savings or protection against accidents or premature death. These schemes are a major step toward inclusive development and financial safety for India’s vast unorganized workforce.