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List of Social Security Schemes in India for Unorganised Sector Workers

By Digital Mitra

 The central government has released details of its 2022 social security schemes for non-union workers in India. The Union Government is taking a number of measures to benefit construction workers, construction workers and other workers across the country. One such measure includes the recently launched e-Shram portal to create a national database of non-union workers. Other measures include social security programs for the benefit of workers in the unorganized 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. 

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