yojana:eshram-card
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e-Shram Card — UAN + Rs 2L insurance for unorganised workers (2026)

Free 12-digit Universal Account Number + auto Rs 2L PMSBY insurance + convergence to PMSYM pension, PM-JAY etc.

Launched: 2021 · Issued by: Ministry of Labour & Employment

Who is eligible

  • Indian, age 16-59
  • Unorganised worker (not in EPFO/ESIC)
  • Income tax non-payer
  • Examples: domestic worker, street vendor, agri labourer, construction, gig worker

What you get

Free Universal Account Number (UAN) + e-Shram card (PVC/digital). Auto-enrolment in PMSBY for first year (Rs 2L accident cover free). Convergence to other schemes: PMSYM (pension Rs 3K/month), PMJAY (Rs 5L health), PM-DAKSH skill, etc.

How to apply (step-by-step)

  1. Visit eshram.gov.in — Self-register or visit nearest CSC.
  2. Aadhaar OTP eKYC — Auto-fills name, DoB, gender, address.
  3. Fill occupation + bank details — 396+ occupation codes (NCO 2015).
  4. Submit + receive UAN immediately — e-Shram card downloadable as PDF.
  5. Auto-enrol in PMSBY — Rs 2L accident insurance — free first year.
  6. Annual update — Update employment / address yearly.

Documents needed

  • Aadhaar (with linked mobile)
  • Bank account
  • Mobile number

Full document checklist: Documents required for eshram card

Timeline

Same-day UAN issuance via Aadhaar route. CSC: 1-2 days.

Portal + helpline

Common issues

  • Aadhaar mobile not linked — OTP fails; link at UIDAI first.
  • EPF / ESIC member — disqualified; e-Shram is for UoW only.
  • Bank Aadhaar de-linked — future scheme benefits will fail.
  • PMSBY claim denied — within 30 days of accident; family applies via UAN holder bank.

Benefit delayed or rejected? File an RTI

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 AI RTI Drafter →

More schemes for you: All unorganised workers schemes

Frequently asked questions

Is e-Shram a job card?

No — it is worker identity. Doesn't guarantee work but unlocks scheme convergence.

PMSBY really free?

Yes — first year auto. Rs 12/year auto-debit thereafter.

I have inactive PF — can I register?

Yes if no contribution > 36 months and currently in unorganised sector.

Card lost?

Re-download free at eshram.gov.in with UAN + Aadhaar OTP.

Summary + next step

Bottom line: Free 12-digit Universal Account Number + auto Rs 2L PMSBY insurance + convergence to PMSYM pension, PM-JAY etc. Apply at eshram.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.

Sources

  • Official portal: eshram.gov.in
  • Issued by: Ministry of Labour & Employment
  • Launched: 2021
  • Citizen feedback via %%AwaazRTI%% (composite, identifying details removed)

Last reviewed: 26 April 2026.

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