Government schemes for workers
Central and State schemes for organised and unorganised workers — who can join, what you get, and where to apply. Register with us and our team will guide you to the right ones.
Find schemes for you
| Scheme | Who can join | What you get | Where to apply |
|---|---|---|---|
| e-Shram card | Unorganised workers 16–59, not in EPF / ESIC, not paying income tax | Free registration; UAN card; gateway to linked schemes | eshram.gov.in or CSC |
| PM-SYM pension | Unorganised workers 18–40, income up to ₹15,000 a month | ₹3,000 a month pension from 60; government matches your ₹55–₹200 | CSC / maandhan.in |
| PMJJBY life cover | 18–50 with a bank account | ₹2 lakh on death, for ₹436 a year | Your bank |
| PMSBY accident cover | 18–70 with a bank account | ₹2 lakh on accidental death / total disability, for ₹20 a year | Your bank |
| Atal Pension Yojana | 18–40, not an income-tax payer | Guaranteed pension of ₹1,000–₹5,000 a month from 60 | Your bank / post office |
| Ayushman Bharat PM-JAY | Eligible families; all aged 70+; platform workers on e-Shram | Hospital cover up to ₹5 lakh per family per year | PM-JAY app / hospital / CSC |
| PM Vishwakarma | Artisans in 18 traditional trades, 18+ | Training, toolkit incentive, collateral-free loans | CSC |
| PM SVANidhi | Street vendors | Working-capital loans with interest subsidy | Portal / bank |
| BOCW welfare board | Building workers 18–60 with 90 days' work in 12 months | Accident, pension, maternity, education, housing help (by State) | State BOCW board |
| EPF, EPS and EDLI | Employees of establishments with 20+ employees | Provident fund, pension and life cover | Through the employer |
| ESIC | Employees earning up to ₹21,000 in covered establishments | Medical care, sickness, maternity, disablement, dependants' benefit | Through the employer |
| Employment-linked incentive (PM-VBRY) | First-time EPFO members; employers adding jobs | Up to ₹15,000 for employees; up to ₹3,000 a month per job for employers | Through EPFO |
States also run their own schemes through labour welfare boards, unorganised workers' boards and BOCW boards. Amounts and conditions change — confirm on the official portal before applying.
Why register with us
- We check which Central and State schemes fit you
- We tell you the documents needed and where to apply
- Employers: we help register your workers on e-Shram and BOCW boards
- No fee for this guidance
Labour Law Guru is not a government body. Registration for the schemes is done on the official portals; we only guide you.
Disclaimer: results, files and content are prepared with due care from the data you enter and the law as we understand it on the date shown, for general guidance only. Check them against the current Act, Rules, notifications and the official portals before you use, file or pay. Labour Law Guru is not liable for any loss arising from their use. Read the full disclaimer.