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+{{htmlmetatags>metatag-keywords=(employment schemes India, MGNREGA, e-shram card, national career service, labour schemes 2026, unorganised worker, gig worker schemes, PMSYM)
+metatag-description=(Employment & labour schemes India 2026 — MGNREGA 100 days work, e-Shram universal worker card, PMSYM pension, NCS job portal.)}}
+====== Employment & Labour Schemes in India 2026 ======
+{{page>snippets:dpdp-banner}}
+**India has 47 crore workers — 90% in the unorganised sector. They get **almost no benefits** unless they actively register on the right schemes. This guide covers the key central schemes: MGNREGA, e-Shram, NCS, PMSYM. All free.**
+===== Quick Answer =====
+  * **100 days rural work + ₹220–340/day** → [[:rti-for-mgnrega-wages|MGNREGA]]
+  * **Universal unorganised worker e-card + ₹2 lakh accident cover** → [[:e-shram-card|e-Shram]]
+  * **Free job portal (govt + private)** → [[:national-career-service|National Career Service (NCS)]]
+  * **Pension after 60 (informal workers)** → **PMSYM** — ₹3,000/month
+  * **Street vendor loans** → [[:pm-svanidhi-yojana|PM SVANidhi]]
+  * **Stuck wages?** [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|🪄 RTI in 60 sec]] — 15-day rule applies for MGNREGA wages.
+===== Who should read this page =====
+  * **Rural household with adult members** — MGNREGA
+  * **Domestic workers, gig workers, construction workers, farm labour** — e-Shram
+  * **Job seekers (any age)** — National Career Service
+  * **Self-employed informal workers** — PMSYM (pension), PM SVANidhi (vendor loans)
+  * **Anyone employed via PF** — see EPFO, ESIC schemes
+===== List of schemes =====
+==== Rural employment ====
+  * **[[:rti-for-mgnrega-wages|Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA)]]** — **100 days minimum wage** employment per rural household per year. State-specific wage rates ₹220–340/day. Apply via Gram Panchayat with **MGNREGA Job Card**.
+==== Universal worker registration ====
+  * **[[:e-shram-card|e-Shram Card]]** — universal database of unorganised workers. **Free**, ₹2 lakh accident cover (PMSBY), automatic linkage to scheme eligibility. Register at eshram.gov.in (Aadhaar + mobile-link required).
+==== Pension ====
+  * **PM Shram Yogi Maan-Dhan (PMSYM)** — ₹3,000/month pension after age 60 for unorganised workers (income < ₹15,000/month). Contribution ₹55–200/month. Govt matches contribution.
+  * **PM Karam Yogi Maan-Dhan (PM-KMY)** — for self-employed shopkeepers, traders earning < ₹1.5 cr/yr turnover. Same ₹3,000/month structure.
+  * **Atal Pension Yojana (APY)** — ₹1k–5k/month after 60. Open to all aged 18–40 with bank.
+==== Job search ====
+  * **[[:national-career-service|National Career Service (NCS)]]** — government's free job portal. **31 lakh+ active vacancies** indexed (govt + private). Apply via ncs.gov.in.
+  * **NSDC Skill India job portal** — placements from PMKVY-certified training.
+  * **Apprenticeship Portal** — apprenticeshipindia.gov.in — earn while you learn.
+==== Vendor + self-employed ====
+  * **[[:pm-svanidhi-yojana|PM SVANidhi]]** — ₹10k → 20k → 50k progressive working-capital loans for street vendors. 7% interest subsidy. **No collateral**.
+==== Construction worker ====
+  * **Building & Other Construction Workers Welfare Cess** — every state has BOCW board funded by 1% cess on construction projects. Workers can claim ₹50k–2 lakh for: marriage, education, medical, accident, pension. Hugely under-claimed.
+==== Insurance ====
+  * **PM Suraksha Bima Yojana (PMSBY)** — ₹2 lakh accident cover for **₹20/year**. Auto-included in e-Shram.
+  * **PM Jeevan Jyoti Bima Yojana (PMJJBY)** — ₹2 lakh life cover for **₹436/year**. Open to anyone 18–50 with bank.
+===== How to register on e-Shram (universal first step) =====
+  - Visit https://eshram.gov.in OR walk into any Common Service Centre (CSC).
+  - Aadhaar + mobile-linked → OTP verification.
+  - Bank account (Aadhaar-seeded) for DBT linkage.
+  - Self-declare occupation (one of 30+ categories).
+  - **e-Shram card generated instantly** — UAN (Universal Account Number) issued.
+  - Download / print card.
+==== After e-Shram registration — auto-eligibility ====
+You become eligible for several schemes automatically:
+  * **PMSBY ₹2 lakh accident cover** — auto-active
+  * **Disaster compensation** during natural calamities
+  * **Targeted DBT during emergencies** (like the COVID-19 transfers in 2020-21)
+  * **Easier KYC for other schemes** — UAN works as universal ID
+===== How to apply for MGNREGA work =====
+  - Visit your **Gram Panchayat office**.
+  - Submit application for **Job Card** (free) — proof of village residence + Aadhaar.
+  - Job Card issued in 15 days.
+  - **Demand for work** in writing — Gram Panchayat must provide work within **15 days**.
+  - **If work not provided in 15 days** → you're entitled to **unemployment allowance**.
+  - **Wages must be paid within 15 days** of work completion → if delayed, **0.05% per day compensation**.
+→ See [[:rti-for-mgnrega-wages|full MGNREGA RTI guide]] for delay escalation.
+===== Common mistakes =====
+  * **Not registering on e-Shram** — most workers miss the ₹2 lakh accident cover that's automatic.
+  * **MGNREGA Job Card without using it** — work must be **demanded in writing**; without demand, no allotment.
+  * **Aadhaar–bank not seeded** — DBT silent failure.
+  * **NCS job alerts not subscribed** — you miss vacancies in your area.
+  * **PMSYM contribution gap** — 1 month miss = penalty + interest. Standing instruction at bank avoids this.
+  * **BOCW benefits unclaimed** — most construction workers don't know their state has a Welfare Board.
+===== FAQ =====
+==== Can I have e-Shram + EPFO simultaneously? ====
+**No** — e-Shram is for **unorganised workers** (no PF/ESI). If you join formal employment with PF, your e-Shram card is auto-deactivated. Re-activate if you go back to informal.
+==== I worked 80 days under MGNREGA. Can I claim 100? ====
+**Yes** — the 100 days is **household-level entitlement** (not per person). Demand more work in writing. If unmet, claim unemployment allowance.
+==== What's the difference between PMSYM and APY? ====
+**PMSYM**: only for **informal workers earning < ₹15k/month**, fixed ₹3,000/month pension, govt **matches** contribution. **APY**: open to all 18–40, choose pension level ₹1k–5k, no govt matching but **guaranteed**.
+==== I'm a gig worker (Swiggy/Uber/Ola). What scheme covers me? ====
+Register on **e-Shram** (you're "platform worker" category). Govt has notified **Code on Social Security 2020** which mandates platform companies to contribute. State-level schemes (Karnataka, Maharashtra) have additional gig worker boards.
+==== I'm a domestic worker. Which schemes apply? ====
+**e-Shram + PMSYM + PMSBY + PMJJBY**. Some states (Karnataka, Tamil Nadu) have **Domestic Workers Welfare Board** with additional benefits.
+==== How do I find construction worker BOCW benefits in my state? ====
+Search "**[State name] Building & Other Construction Workers Welfare Board**". Each state has its own portal. Register with your construction project's PAN/cess records as proof.
+==== NCS vs Naukri.com — which is better? ====
+**NCS is free**, government-backed, has **government job vacancies** (PSU, banks). Naukri / LinkedIn have more private sector. **Use both.**
+==== PM SVANidhi rejected my application. Why? ====
+Common reasons: missing **Vendor ID** (issued by ULB), Aadhaar mobile mismatch, bank not Aadhaar-seeded, wrong vending zone declared. File **RTI to ULB** for grounds + reapply.
+===== All RTI Wiki tools =====
+  * 🪄 **[[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]**
+  * 🎤 **[[https://righttoinformation.wiki/tools/awaaz-rti.html|AwaazRTI]]**
+  * 🌐 **[[https://righttoinformation.wiki/intelligence/citizen-360.html|Citizen 360]]** — find Gram Panchayat, ULB, PIO
+===== Related =====
+  * [[:government-schemes-india-2026|🏛 Top schemes — pillar]]
+  * [[:government-jobs-2026|Government jobs 2026 calendar]]
+  * [[:rti-for-mgnrega-wages|MGNREGA wage delay — full RTI]]
+  * [[:financial-support-schemes-india|💰 Financial Support]]
+  * [[:education-skill-schemes-india|🎓 Education & Skill]]
+  * [[:digital-india-governance-schemes|💻 Digital India]]
+===== Sources =====
+  * [[https://eshram.gov.in|e-Shram official]]
+  * [[https://nrega.nic.in|MGNREGA — NREGA portal]]
+  * [[https://www.ncs.gov.in|National Career Service]]
+  * [[https://maandhan.in|Maan-Dhan (PMSYM/PM-KMY)]]
+  * [[https://pmsvanidhi.mohua.gov.in|PM SVANidhi]]
+  * Helplines: **14434** (e-Shram) · **1800-345-22-44** (MGNREGA) · **1800-425-1514** (NCS)
+{REVIEWED}
+//Last reviewed: 3 May 2026.//
+{{tag>employment-schemes labour-schemes mgnrega e-shram ncs 2026}}