Government schemes for unorganised workers in India (2026)

Unorganised worker (not in EPFO/ESIC). Age 16-59 (PMSYM). All Indian citizens.

Free UAN + e-Shram card. Aadhaar OTP. Auto-enrolled in PMSBY (Rs 2L insurance).

• Where to apply: eshram.gov.in
• Official portal: https://eshram.gov.in

Pension Rs 3,000/month after 60. Contribute Rs 55-200/month (age-based). Govt matches. Open at CSC.

• Where to apply: PMSYM portal
• Official portal: https://maandhan.in/shramyogi

Rs 2L accident insurance + Rs 1L permanent disability. Premium Rs 20/year (auto from bank). Auto for e-Shram registrants first year.

• Where to apply: Banks / Post Office
• Official portal: https://jansuraksha.gov.in

Rs 2L life insurance (any cause). Premium Rs 436/year (auto from bank). Age 18-50 entry; covers up to 55.

• Where to apply: Banks / Post Office
• Official portal: https://jansuraksha.gov.in

Pension Rs 1K-5K/month after 60. Auto-debit from bank. Govt 50% co-contribution till 2020. Age 18-40 entry.

• Where to apply: Banks / NPS Lite
• Official portal: https://www.npscra.nsdl.co.in/scheme-details.php

State-level scheme — health, education, marriage, pension, accident relief for registered construction workers. Rs 50/month subscription.

• Where to apply: State BOCW Welfare Board
• Official portal: https://bocw.gov.in

Pension, accident insurance, training, savings — via state Fisheries Dept + central NFDB.

• Where to apply: NFDB Hyderabad
• Official portal: https://nfdb.gov.in

State-level boards (Tamil Nadu, Kerala, Maharashtra) — pension, insurance, dispute resolution.

• Where to apply: State Labour Dept
• Official portal: Varies by state

Loan Rs 10K-50K for street vendors with credit history. 7% interest subvention. Apply at banks.

• Where to apply: PM SVANidhi portal
• Official portal: https://pmsvanidhi.mohua.gov.in

e-Shram registrants in target categories auto-considered for PMJAY (Ayushman Bharat).

• Where to apply: beneficiary.nha.gov.in
• Official portal: https://beneficiary.nha.gov.in

e-Shram first (free, OTP-based). Then enroll in PMSBY/PMJJBY/PMSYM via bank or CSC. State welfare boards via Labour Dept.

• e-Shram Helpline 14434 — multilingual
• State Labour Department — varies
• PM SVANidhi: 1800-1800-991

• PMSBY claim denied — within 30 days of accident; family applies via UAN holder bank.
• PMSYM enrolment rejected — IT taxpayer or EPFO contributor. Verify before applying.
• State BOCW slow — file RTI to State Welfare Board CEO; many states have 1-3 year backlogs.
• Bank Aadhaar de-linked — DBT for all schemes bounces. Visit bank for NPCI mapper.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of disbursement / decision.

Auto-fill the PIO + your case: Open the RTI Drafter →

No — e-Shram is for UoW only. PF holders are organised. If PF inactive (no contribution > 3 years), can register.

Yes — guaranteed by govt. Rs 3,000/month after 60. Indexation not yet applied; review periodic.

Rs 20/year auto-debit from bank. Renewal in May annually.

Try BOCW + PMSBY + PMSYM combination. Many states have UID-linked direct welfare.

File RTI to scheme nodal. Use RTI Playbook template for unorganised welfare.

• 25 how-to-apply guides
• 15 rejection-recovery guides
• 30 documents-required checklists
• Full RTI Playbook — 100+ scenarios

• Each scheme's official portal (linked above).
• Ministry budget documents + scheme operational guidelines.
• Citizen feedback via AwaazRTI (composite, identifying details removed).

Last reviewed: 25 April 2026.