Bina Mulya Samajik Suraksha Yojana
Bina Mulya Samajik Suraksha Yojana 2026: West Bengal Labour Department continues to run this social security scheme for unorganized workers, and registration is open on the official portal. Over Rs 335 crore in payments have been made to beneficiaries so far, and the monthly reports on the portal now show data up to June 2026.
Bina Mulya Samajik Suraksha Yojana (BM-SSY) brings together multiple welfare programs for unorganized sector workers under one roof, removing the need for workers in different occupations to apply to separate schemes. The scheme covers 46 unorganized industries and 15 categories of self-employed occupations, and it also now helps register workers under the Building and Other Construction Workers (BOCW) Scheme and the West Bengal Transport Workers Welfare Scheme directly through the BMSSY portal. You can read more about the registered post on this site for the 2026 registration form.
Bina Mulya Samajik Suraksha Yojana - Key Benefits
Provident Fund: You get a monthly contribution of Rs 55, inclusive of state grants, without paying anything from your side. The total corpus along with interest goes to you or your nominees upon retirement or in case of demise.
Health and Family Welfare: You can get medical support for ailments covered under WBHS 2008 for you and your dependents at government or empaneled hospitals. The annual assistance includes up to Rs 20,000 for general treatment, up to Rs 60,000 for surgical procedures, and a loss-of-employment allowance of Rs 200 per day for the first five days and Rs 100 per day for the remaining days during hospitalization.
Death and Disability Cover: The scheme provides financial protection to your family in case of unfortunate events. Accidental death gets Rs 2,00,000, normal death gets Rs 50,000, and permanent disability of 40% or more provides up to Rs 2,00,000 based on the severity of the loss.
Education Grants for Children: The scheme supports your children's education with annual grants based on their course. Class XI students get Rs 4,000 per year, Class XII students get Rs 5,000, ITI trainees get Rs 6,000, UG in Arts/Science/Commerce get Rs 6,000, PG in Arts/Science/Commerce get Rs 10,000, Polytechnic students get Rs 10,000, and Medical or Engineering students get Rs 30,000 per year. Also, daughters pursuing UG education can get Rs 25,000 per year (for up to two unmarried daughters).
Loss-of-Employment Compensation: If you lose wages during hospitalization, you receive Rs 200 per day for the first five days and Rs 100 per day for the remaining period, provided you use government or empaneled hospitals.
Who Is Eligible
You can apply for Bina Mulya Samajik Suraksha Yojana if you are a resident of West Bengal and your age is between 18 and 60 years. Your family income should not exceed Rs 6,500 per month, though this limit does not apply to construction and transport workers. The income assessment considers the average monthly earnings over the 12 months before your application.
How to Apply
STEP 1 - Visit the official portal at https://bmssy.wblabour.gov.in/. The portal is the single place to register and access all BMSSY benefits. The portal also now supports registration for construction workers under the BOCW Scheme and transport workers under the WBTWSSS scheme.
STEP 2 - Click on the "New Registration by Beneficiary" button on the homepage to start your application.
STEP 3 - Enter your personal details and contact information to create your account on the portal.
STEP 4 - Once you receive your login credentials, sign in to the dashboard and fill in all necessary sections, including your bank details, nominee information, and dependent data.
STEP 5 - Upload the required documents clearly as per the specifications listed on the portal.
STEP 6 - Download and fill out Form-1 from the user manual at https://bmssy.wblabour.gov.in/downloads/User-Manual-BMSSY.pdf, then submit your final application online.
Documents You Must Keep Ready
Before you start the application process, gather these documents so there are no delays:
- Passport-sized photo (mandatory)
- Scanned signature (mandatory)
- Aadhar Card or Voter ID
- Epic document
- Bank passbook (mandatory)
Highlights
| Detail | Information |
|---|---|
| Scheme Name | Bina Mulya Samajik Suraksha Yojana |
| Level | State |
| Beneficiary State | West Bengal |
| Target Audience | Individuals and Families |
| Nodal Department | Labour Department |
| Launch Date | 2017-10-12 |
| Helpline | 1800-103-0009 |
| Official Portal | https://bmssy.wblabour.gov.in/ |
References
View Official Guidelines | View Revised Guidelines | Download User Manual
FAQ's
What is Bina Mulya Samajik Suraksha Yojana?
Bina Mulya Samajik Suraksha Yojana is a government-backed social security scheme run by the West Bengal Labour Department for unorganized workers. It was launched in 2017 as Samajik Suraksha Yojana and renamed to Bina Mulya Samajik Suraksha Yojana from April 1, 2020, after the state government waived the beneficiary contribution of Rs 25 per month.
Who can apply for this scheme?
Residents of West Bengal between the age of 18 and 60 years who work in the unorganized sector can enroll. Families should have a monthly income of no more than Rs 6,500, though this limit does not apply to construction and transport workers.
What is the helpline number for Bina Mulya Samajik Suraksha Yojana?
The Labour Commissionerate helpline is 1800-103-0009. You can call this number for any queries related to the scheme.
How can I register for the scheme?
You can register yourself on the official portal at https://bmssy.wblabour.gov.in/. The portal also helps you register as a construction worker or transport worker under the BOCW Scheme and WBTWSSS respectively.
What benefits does the scheme cover?
The scheme covers provident fund contribution of Rs 55 monthly (without any premium payment from your side), medical expenses up to Rs 20,000 per year, surgical expenses up to Rs 60,000, death and disability cover from Rs 50,000 to Rs 2,00,000, loss-of-employment compensation of Rs 200 per day for first five days and Rs 100 per day thereafter, and education grants for children ranging from Rs 4,000 to Rs 30,000 per year.