AI SummaryCentral government has released details of Social Security Schemes 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 e Shram Portal, launched to create a National Database of Unorganised Workers. Other measures include social security welfare schemes to benefit the labour community in the unorganised sector.
As on 14 July 2026, more than 31.78 crore unorganised workers are registered on the e-Shram portal. The portal now works as a One-Stop Solution, with 15 social security and welfare schemes integrated on a single platform. This makes it easier for workers to find out which benefits they can get and to apply for them online.
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
PM-SYM is a voluntary and contributory pension scheme for unorganised workers. The monthly contribution ranges from Rs. 55 to Rs. 200 depending upon the entry age of the beneficiary. 50% of the monthly contribution is payable by the beneficiary and an equal matching contribution is paid by the Central Government.
Eligibility
- Should be an Indian Citizen.
- Unorganised Workers (for example: street vendors, agriculture labourers, construction site workers, workers in leather and handloom industries, mid-day meal workers, rickshaw pullers, rag pickers, carpenters, fishermen etc.)
- Age group of 18-40 years.
- Monthly income below Rs. 15000 and not a member of EPFO/ESIC/NPS (Govt. funded).
Benefits
- After attaining the age of 60 years, beneficiaries get a minimum monthly assured pension of Rs. 3000.
- On death of the beneficiary, the 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)
This is a voluntary and contributory pension scheme for shopkeepers, retail traders and self-employed persons. The monthly contribution ranges from Rs. 55 to Rs. 200 depending upon the entry age. 50% of the monthly contribution is paid by the beneficiary and an equal matching contribution is paid by the Central Government.
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 than Rs. 1.5 Crore.
Benefits
- Beneficiaries get a 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 Jan Dhan or savings 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 Jan Dhan or savings 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 get a pension of Rs. 1000-5000, or the accumulated sum of the pension after his death.
- The accumulated amount is given to the spouse or, if the spouse is dead, 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.
- Any family which has a disabled member.
- 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 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.
- Any family which has a differently abled member.
- 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.
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 groups.
- Monthly pension ranges from Rs 1000 to Rs 3000 depending upon the 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 get a package of Rs 15,000 that includes both pre-existing and new diseases. The division of the amount according to 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 Rs 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 karamcharis and manual scavengers.
Benefits
- The scheme provides financial support to 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 revised from time to time.
Benefits
- The manual scavenger and the dependents are 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). A monthly stipend of Rs. 3000 or any such amount as may be decided from time to time is remitted by NSKFDC.
For more details, visit the official govt. of India website at https://www.india.gov.in/