General Public Schemes2022

General public schemes
Atmanirbhar Bharat Rozgar Yojana

"Atmanirbhar Bharat Rozgar Yojana" is being launched to boost employment in
formal sector and incentivize creation of new employment opportunities during the
Covid recovery phase under Atmanirbhar Bharat Package 3.0..
The scheme is to be operational for the period 2020-2023.
Beneficiaries
Beneficiaries (new employees) under Scheme
 An employee drawing monthly wage of less than Rs. 15000/- who o was not
working in any EPFO registered establishment and did not have a Universal
Account Number (UAN) prior to 01st October, 2020 who joins employment in
any establishment on or after 01.10.2020 up to 31.03.2022 and who is
allotted Aadhaar validated UAN
 Any EPF member, already allotted with UAN, who made exit from employment
during the period from 01.03.2020 to 30.09.2020 (Covid Pandemic) from any
establishment and who joins in any establishment on or after 01.10.2020 and
up to 31.03.2022.
 The incentive is payable by the Central Government by upfront credit in the
UANs of the new employees.
Validity Period:
 for registration of eligible employers and new employees
o From 1st October, 2020
o up to 31st March, 2022
 For payment of incentive in form of EPF contributions - 24 Wage months from
date of registration of new employees
Eligibility criteria for Establishments

Establishments registered with EPFO if they add new employees compared to
reference base of employees as in September, 2020 as under:
 minimum of two new employees if reference base is 50 employees or less.

 minimum of five new employees if reference base is more than 50 employees.
Benefits:
Government of India will provide subsidy for two years in respect of new employees
engaged on or after 1st October, 2020 and up to 30th June, 2021 at following scale
 Establishments employing up to 1000 employees: Employee’s contributions

(12% of Wages) & Employer’s contributions (12% of wages) totalling 24% of
wages
 Establishments employing more than 1000 employees: Only Employee’s EPF
contributions (12% of EPF wages)
The subsidy support to get credited upfront in Aadhaar seeded EPFO Account

(UAN) of eligible new employee.
Procedure and Instructions for availing benefits under this

Scheme
To implement ABRY, EPFO has deployed electronic facility on Employer’s portal
 The employer has to update Form 5A, disclose the reference base of
employees through a link in the Employer’s login on EPFO Unified Portal to
register under ABRY.
 Employer to obtain and verify declaration regarding previous membership
from employees joining the establishment before registering such employee as
“new employee” under ABRY.
 To avail benefits on month to month basis, declaration & ECR in respect of all
employees is to be filed by employers
 Employer has to file one Electronic Challan cum Return (ECR) in respect of all
employees including new employees for each wage month within 60 days of
the close of that wage month. However, the employer shall be liable for
belated submission of ECR and consequent liability of interest due u/s 7Q.
 Any revision/correction/modification in such ECR is not allowed to claim any
enhanced benefit at any future date
 The employer shall not make any deduction towards employee’s share of EPF
contribution from the monthly wages of any new employee and disburse the
wages without such deduction.
 Establishments working as contractors engaged in providing manpower to one
or more principal employers shall not claim benefit of employers’ share under
this Scheme if the same is claimed or received from the principal employer.
 Employers and Establishments shall be responsible for the correctness of all
particulars submitted for claiming ABRY benefit.
Schemes for The Welfare of Senior Citizens

The Government of India is implementing various schemes and programmes to provide
healthy, happy empowered dignified and self-reliant life to senior citizens, along with strong
social and inter-generational bonding.
Government is aware about the need of love, care, medical, housing, etc. of the senior
citizens. For this purpose, various schemes/ programmes are being implemented by the
Government for welfare of senior citizens.
Details of Schemes and Programmes being implemented by Government of India in Care of
Senior Citizens Sector:

Department of Social Justice and Empowerment: Atal Vayo Abhyudaya Yojana
(AVYAY):

AVYAY brings together articulation of each of the current schemes, future plans,
strategies and targets and maps it with schemes/programmes, accountabilities,
financials and clear outcomes. This Plan takes care of the top four needs of the senior
citizens viz financial security, food, health care and human interaction /life of dignity. It
also includes the facets of safety/protection and general wellbeing of the elderly
beginning from awareness generation and sensitization of the society.

2. AVYAY is an umbrella scheme, effective since 1 st April 2021, has following
schemes under it, namely:

· Scheme of Integrated Programme for Senior Citizens (IPSrC): Setting up of
Homes to improve the quality of life of the Senior Citizens, especially indigent senior
citizens by providing basic amenities like shelter, food, medical care and entertainment
opportunities and by encouraging productive and active ageing.

 State Action Plan for Senior Citizens (SAPSrC): The Government of India

perceives a major and critical role of all State Governments in partnering and
implementing this Action Plan for welfare of senior citizens. Each State/UT is
expected to plan and strategize taking into account their local considerations and
frame their own State Action Plans for the welfare of their senior citizens.
 Rashtriya Vayoshri Yojana’ (RVY): A scheme for providing physical Aids and
Assisted living devices to Senior Citizens.

 Livelihood and Skilling Initiatives for Senior Citizens - Senior Able Citizens for
Re-Employment in Dignity (SACRED); Action Groups Aimed at Social
Reconstruction (AGRASR Groups):Elderly Self Help groups
 Promoting silver economy
 Channelizing CSR funds for Elderly care

· Scheme for Awareness Generation and Capacity Building for welfare of Senior
Citizens – Training, Awareness, Sensitization, Setting up of National Helpline for
Senior Citizens.
3. Under the Scheme of Integrated Programme for Senior Citizens (IPSrC), grants
upto 100% of project cost are given for running and maintenance the following
projects:-

(i) Senior Citizens' Homes for 25 destitute Senior Citizens to provide food, care and
shelter.
(ii) Senior Citizens' Homes for 50 Elderly Women including those under Sansad
Adarsh Gram Yojana (SAGY) to provide food, care and shelter.
(iii) Continuous Care Homes and Homes for senior citizens afflicted with Alzheimer's
disease/ Dementia for a minimum of 20 Senior Citizens who are seriously ill requiring
continuous nursing care and respite or those who are afflicted with Alzheimer's disease/
Dementia.
(iv) Mobile Medicare Units to provide medical care to the Senior Citizens living in
rural, isolated and backward areas.
(v) Physiotherapy Clinics for Senior Citizens for a minimum of 50 Senior Citizens
per month.
(vi) Regional Resource and Training Centres (RRTCs) monitors and provides
technical support, advocacy, networking, training and capacity building for effective
delivery of service by the Centres for Senior Citizens, funded by the Ministry.

4. Under the Scheme, assistance is sanctioned to the following agencies subject to
the terms and conditions laid down by this Ministry:-

· Priority to be given to the State Governments / UT Administrations for supporting the
projects under the Scheme of IPSrC through Registered Societies/ Panchayati Raj
Institutions (PRIs) / Local bodies, in the vicinity of Hospitals, as far as possible;
· Non-Governmental/Voluntary Organizations;
· Institutions or Organizations set up by Government as autonomous/ subordinate
bodies;
· Government Recognized Educational Institutions, Charitable Hospitals/ Nursing
Homes, and recognized youth organizations such as Nehru Yuva Kendra Sangathan
(NYKS)

5. Under State Action Plan for Senior Citizens (SAPSrC), the Government of India
perceives a major and critical role of all State Governments in partnering and
implementing the Action Plan for welfare of senior citizens. Appreciating the critical
and significant role of States/UTs, each State/UT is expected to plan and strategize
taking into account their local considerations and frame their own State Action Plans
for the welfare of their senior citizens. This State Action Plan may comprise a long-
term strategy for five years as well as Annual Action Plans and this Department shall
release funds to the States/UTs for formulation and implementation of their State
Action Plans.

6. Livelihood and Skilling Initiatives for Senior Citizens- A new scheme with
following two components:-

(i) Senior Able Citizens for Re-Employment in Dignity (SACRED)- Many senior
citizens have experience, time and energy which can be used by the business
enterprises looking for stable employees with experience. The Human resources cells of
many private enterprises seek experienced but stable persons in certain positions. The
portal allows bringing these people together by virtual matching of preferences. The
portal has been launched by the Vice President of India on International Day on Older
Persons (IDOP), 2021 i.e. on 01/10/2021.

(ii) Action Groups Aimed at Social Reconstruction (AGRASR Groups): Elderly Self
Help groups - The Senior Citizens are encouraged to form Self-Help Groups (SHGs),
which will provide them with a platform to share the time constructively with each
other. To attain financial assistance under the scheme SHGs will function as ‘Action
Groups Aimed at Social Reconstruction (AGRASR Groups)’. Assistance under this
Scheme to any SHG will be independent of assistance under any other scheme of the
Ministry and an SHG can choose to avail assistance under any one or more Scheme(s).

7. Promoting Silver Economy – This is also a new scheme launched with an
objective to encourage the entrepreneurs for to think about the problems of the elderly
and come out with innovative solutions The Government aims to achieve the objective
by providing upto Rs. 1 crore as financial assistance through equity participation,
through an open invitation on a portal namely Seniorcare Ageing Growth Engine
(SAGE).

8. Channelizing CSR funds for Elderly care- This is also a new scheme with an
objective to channelize the CSR funds in an appropriate manner for elderly care
projects. Under Schedule VII of Section 135 of the Companies Act, setting up old age
homes, day care centres and such facilities for Senior Citizens is an approved item for
CSR funding.

9. Scheme for Awareness Generation and Capacity Building for welfare of Senior
Citizens- Components like the National Helpline for Senior Citizens, Research,
awareness, sensitization etc. for the welfare of senior citizens, spreading awareness and
sensitizing the youth and other sections of the society towards the issues related to the
elderly. The National Helpline – Elderline with toll free number 14567 has been
dedicated to the country by the Vice President of India on International Day on Older
Persons (IDOP), 2021 i.e. on 01/10/2021.

10. Rashtriya Vayoshri Yojana (RVY): Scheme for providing Physical Aids and
Assisted-Living Devices for Senior Citizens

The Scheme of Rashtriya Vayoshri Yojana (RVY) has been formulated by Ministry of
Social Justice and Empowerment with an objective to provide aids and assisted living
devices viz. walking sticks, elbow crutches, walkers/crutches, tripods/quadpods,
hearing aids, wheelchairs, artificial dentures and spectacles, free of cost to senior
citizens belonging to BPL category who suffer from age related disabilities/infirmities
such as low vision, hearing impairment, loss of teeth and loco-motor disabilities. The
Scheme has been revised w.e.f. F.Y. 2020-21. Under the revised Scheme, the criteria of
selection of beneficiaries have been extended to include not only those senior citizens
belonging to BPL category but also senior citizens with monthly income not more than
Rs. 15000/- and who suffer from age related disabilities/infirmities as mentioned
above.
PM CARES for Children

Vision:
Hon’ble Prime Minister of India on 29.05.2021 has announced comprehensive support for
children who have lost both their parents due to COVID 19 pandemic.
Objective:
To ensure comprehensive care and protection of children who have lost their parent(s) to
COVID pandemic, in a sustained manner, enable their wellbeing through health insurance,
empower them through education and equip them for self-sufficient existence with financial
support on reaching 23 years of age. The PM CARES for children scheme inter alia provides
support to these children through convergent approach, gap funding for ensuring education,
health, monthly stipend from the age of 18 years, and lump sum amount of Rs. 10 lakh on
attaining 23 years of age.
Period:
The eligible children shall be enrolled from 29.05.2021 (date of announcement of Hon’ble
PM) to 31.12.2021 to avail benefits of PM CARES for Children Scheme. The Scheme is
expected to continue till the year when every identified beneficiary1 shall turn 23 years of
age.
Eligibility:
All children who have lost
i) Both parents or
ii) ii) Surviving parent or
iii) iii) legal guardian/adoptive parents/single adoptive parent due to
COVID 19 pandemic, starting from 11.03.2020 the date on which
WHO has declared and characterized COVID-19 as pandemic till
31.12.2021, shall be entitled to benefits under this scheme
iv) Child should not have completed 18 years of age on the date of
death of parents
Entitlements:
i. Support for Boarding and Lodging:
a) Efforts will be made by the District Magistrate with the assistance of Child Welfare
Committee (CWC) to explore the possibility of rehabilitating the child within her/his
extended family, relatives, kith, or kin.
b) If the extended family, relatives, kith or kin of the child are not available/not willing/not
found fit by CWC or the child (aged 4 -10 years or above) is not willing to live with them, the
child should be placed in foster care, after due diligence as prescribed under the Juvenile
Justice Act, 2015 and rules made thereof as amended from time to time.
c) If the Foster family is not available/not willing /not found fit by CWC, or the child (aged 4
-10 years or above) is not willing to live with them, the child should be placed in age
appropriate and gender appropriate Child Care Institution (CCI).
d) Children more than 10 years old, not received by extended families or relatives or foster
families or not willing to live with them or living in child care institutions after the demise of
parents, may be enrolled in Netaji Subhash Chand Bose Awasiya Vidyalaya, Kasturba
Gandhi Balika Vidyalaya, Eklavya Model Schools, Sainik School, Navodaya Vidyalaya, or
any other residential school by the District Magistrate, subject to the respective scheme
guidelines.
e) It may be ensured that the siblings stay together, as far as possible.
f) For non-institutional care, financial support at the prevailing rates prescribed under the
Child Protection Services (CPS) Scheme shall be provided to Children (in account with
guardian). For child in institutional care, a maintenance grant at the prevailing rates
prescribed under the Child Protection Services (CPS) Scheme shall be given to Child Care
Institutions. Any provision for subsistence support under the State scheme may also be
provided additionally to the children.
ii. Assistance for Pre-school and School Education
a. For children below 6 years of age
Identified beneficiaries will receive support and assistance from the Anganwadi services for
supplementary nutrition, pre-school education/ ECCE, immunization, health referrals, and
health check-up.
b. For children below 10 years of age
i) Admission shall be provided in any nearest school as a day scholar i.e. Government/
Government aided School/ Kendriya Vidyalayas (KVs)/ Private Schools.
ii) In Government Schools, two sets of free uniform and textbooks shall be provided, under
Samagra Shiksha Abhiyan, as per the scheme guidelines.
iii) In private schools, tuition fees shall be exempted under section 12(1)(c) of RTE Act.
iv) Under circumstances where child is unable to receive above benefits, the fees, as per the
RTE norms, will be given from the PM CARES for Children scheme. The Scheme will also
pay for expenditure on uniform, textbooks, and notebooks. A matrix of such entitlements is
detailed out in Annexure-1.
c. For children between 11-18 years of age
i) If the child is living with the extended family, then admission in the nearest Government/
Government aided School/ Kendriya Vidyalayas (KVs)/ Private Schools as a day scholar may
be ensured by the DM.
ii) The child may be enrolled in Netaji Subhash Chand Bose Awasiya Vidyalaya/ Kasturba
Gandhi Balika Vidyalaya/ Eklavya Model Schools/Sainik School/ Navodaya Vidyalaya/ or
any other residential school, by the DM, subject to the respective scheme guidelines.
iii) The DM may make alternative arrangements for accommodation of such children during
vacations at CCIs or any appropriate place.
iv)Under circumstances where child is unable to receive above benefits, the fees, as per the
RTE norms, will be given from the PM CARES for Children scheme. The scheme will also
pay for expenditure on uniform, textbooks, and notebooks.
d. Assistance for Higher Education:
i) The child will be assisted in obtaining education loan for Professional courses /Higher Education in
India
ii) Under circumstances where beneficiary is unable to avail interest exemption from extant Central
and State Government scheme, then the interest on the educational loan will be paid from PM
CARES for Children Scheme.
iii) As an alternative, scholarship as per the norms will be provided to the beneficiaries of the PM
CARES for Children Scheme from the schemes of Ministry of Social Justice and Empowerment,
Ministry of Tribal Affairs, Ministry of Minority Affairs, and Department of Higher Education.
Beneficiaries will be assisted through National Scholarship portal for availing such entitlements. The
scholarship awarded to the beneficiaries will be updated on the PM CARES for Children portal.
iii. Health Insurance:
a. All children will be enrolled as a beneficiary under Ayushman Bharat Scheme (PM-JAY) with a
health insurance cover of Rs. 5 lakhs.
b. It shall be ensured that the child identified under PM CARES for Children scheme receives benefits
under PM JAY
iv. Financial Support:
a. The lump sum amount will be transferred directly in the post office account of beneficiaries upon
opening and validation of the account of the beneficiaries. A pro-rata amount will be credited
upfront in the account of each identified beneficiary such that the corpus for each beneficiary
becomes Rs. 10 lakhs at the time of attaining 18 years of age2 .
b. Children will receive monthly stipend once they attain 18 years of age, by investing the corpus of
Rs 10 lakhs. The beneficiary will receive stipend till they attain 23 years of age.
c. They will receive an amount of Rs. 10 lakh on attaining 23 years of age.
Nodal Agencies - National, State, and District
Ministry of Women and Child Development shall be the nodal Ministry for execution of the scheme
at the central level. Department of Women and Child Development or Department of Social Justice
in the State/UT Government, dealing with the Child Protection Services scheme in the State/UT shall
be the nodal agency at State level. The District Magistrates (DM) shall be the nodal authority at
District level for execution of the scheme.
i. Role of the Ministry of Women and Child Development:

a) The Ministry shall implement the scheme in coordination with the State and District
nodal agencies.
b) The Ministry shall provide oversight and guidance to the State and district
authorities.
c) The Ministry shall host and maintain the portal containing the details of
beneficiaries, with the assistance of National Informatics Centre (NIC).
d) The Ministry shall coordinate with the PM CARES Fund for release of funds to
account of the District Magistrates.
e) The Ministry shall coordinate with the DMs for transferring corpus amount to the
post office account of beneficiaries and for other expenses related to education,
health, and other activities.
f) The Ministry shall leverage PM CARES for Children portal to coordinate with
stakeholder ministries such as Ministry of Education, Ministry of Health and Family
Welfare, Ministry of Social Justice and Employment, Ministry of Tribal Affairs,
Ministry of Minority Affairs or any other ministry, department or organisation for
facilitating the scheme.
g) The Ministry shall submit reports to PM CARES Fund regarding the beneficiaries,
as and when required.
h) The Ministry shall be assisted by a Program Management Unit (PMU), for

managing the portal, for overall coordination, including, coordinating with the
States/Districts authorities, release of funds, chartering growth of children,
generating required reports and monitoring the process. Joint Secretary (Child
Welfare) in the Ministry shall supervise the PMU.
ii. Role of State/UT Governments:
a) The department of Women and Child development or the department of Social

Justice in the State/UT implementing the Child Protection Services scheme shall
be the nodal department for the scheme. Additional Chief Secretary/ Principal
Secretary/ Secretary of the department shall be the State Nodal Officer for
implementation of PM CARES for Children Scheme
b) The said department shall supervise the actions taken by all the districts for care
and protection of the children receiving support under this Scheme on a long-term
basis, till they attain 23 years of age.
c) The department shall coordinate with health, education, and other State
departments in order to help district magistrates in facilitating services and benefits
for children.
d) The departments shall monitor the progress made in case of every child and
facilitate inter-state transfer for the purpose of higher studies, sports, professional
training, or any other purpose in the best interest of child.
iii. Role of District Magistrate:
a) The District Magistrate shall anchor the scheme in the District

b) The DM (by designation) shall act as the guardian3 of these children, under this scheme, for all
practical purposes.
c) Identification, registration, and verification - The DM shall identify the beneficiaries with the
assistance of Child Welfare Committee (CWC) and District Child Protection Unit (DCPU). After
satisfying themselves regarding the authenticity of the beneficiary, she/he will verify and confirm the
details of the child on the PM CARES for Children portal.
d) For the purpose of this scheme, DM may include an ADM, who has been duly authorized by the
DM.
e) Account identification - For receiving of funds from MoWCD, DM will either identify an existing
account or open a new account and map the account details on the PM CARES for Children portal.
f) Opening of account - DM shall be responsible for opening of account of the beneficiaries with
assistance of concerned district authorities.
g) Transfer of funds to the PM CARES beneficiaries account – Upon opening of the account and its
validation, DM shall transfer the eligible corpus amount to the beneficiaries account. (Para no.
8(iv)&(v) refer)
h) DM shall also raise request for funds, through the portal, to the concerned
Ministries/Departments for educational, health, and other activities for children. These funds shall
be utilized for expenditure on activities not covered under the existing schemes.
Process Flow:
The sequential process flow for beneficiary identification, registration, verification, opening of
account, depositing PM CARES amount, and linking beneficiaries with schemes is as under:
i. Beneficiary Identification:
a) The District Magistrate to conduct a drive for identification of these children,
with the assistance of Police, DCPU, Childline & Civil Society Organisations.
b) Gram Panchayats, Anganwadi & ASHA network may be sensitized to report such
children to the CWC.
c) Sufficient publicity about the identification drive may be made in local language,
to inform general public in this regard and to encourage them to produce such
children before CWC or report their where abouts through Childline (1098) or DCPU.
d) Children who have lost both parents or Surviving parent or legal
guardian/adoptive parents/single adoptive parent due to COVID 19 pandemic,
requiring support under the scheme, may be produced before CWC by Childline
(1098), District Child Protection Unit (DCPU) or any other agency or individual,
within 24 hours of noticing the Child, excluding journey time.
ii. Beneficiary Registration:

Upon beneficiary identification the request form for seeking support under the
scheme, to be filled up on the PMCARES for children portal by the child or caregiver
or any other agency producing child before CWC. All such children identified under
the Scheme shall be registered on the portal in a week’s time
a) After registration of beneficiary on the portal, CWC with the help of DCPU shall
gather the facts regarding the Child who has lost both parents or Surviving
parent or legal guardian/adoptive parents/single adoptive parent due to COVID
19 pandemic, including details of deceased parents, home address, school,
contact details, and credentials. CWC shall verify the cause of death of the
parents by way of their death certificate or by field enquiry. The information
may be uploaded by the CWC on PM CARES for children portal, while submitting
it for DM’s consideration. The activity of beneficiary verification shall be
completed in 15 days.
b) CWC will upload details of all children produced or reported to them by other
agencies on the portal and this activity shall be competed in a week time.
c) CWC recommendation - After ascertaining the facts of each case, CWC to submit
its recommendations to the DM regarding the child. In case the CWC does not
recommend a particular child, reasons should be recorded in the space provided
at the portal, for DM to take a view.
d) DM may accept the recommendations of CWC or seek a review through CWC or
DCPU. DM to make an independent assessment about every child recommended
or not recommended by the CWC. The DM may be assisted by the Child
Protection staff, Police, Childline or any other agency deemed fit for the
purpose.
e) Confirmation of eligibility of the beneficiary on the portal - After satisfying

himself/ herself of the eligibility of the beneficiary the confirmation will be done on
the portal. Decision taken by DM regarding the eligibility of a child under the scheme
shall be final.
f) Time period – It shall be ensured by the DM that process of beneficiary
identification to final approval of eligible beneficiaries to be completed in one-
month period. Whether child eligible to avail the due benefits of the scheme or
rejected for the same should be decided in one-month time.
iv. Opening of Account:

It shall be the responsibility of the DM as regards opening of account of eligible beneficiaries. He will
be supported and assisted by district level authorities, namely, CWC, DCPU, postal authorities, and
others. In both the cases below the account shall be opened in the Post Office.
a. Opening of account for children below 18 years of age: An account shall be opened
in the name of a beneficiary under the “PM CARES for Children Scheme, 2021” with
the District Magistrate (by designation)4 as joint account holder for an eligible
beneficiary who has not attained the age of 18 years on the date of opening of
account
b) Opening of account for children attained 18 years of age: In case of beneficiaries

who have attained 18 years of age on the date of opening of account a single account
shall be opened for the beneficiary for receiving financial support under the PM
CARES for Children Scheme.
v. Transfer of funds to the account of the beneficiary of PM CARES:
Upon successful verification of beneficiary and validation of post office account, the
requisite amount will be credited in the beneficiary account. It shall be ensured by the DM,
that within one-month of receipt of funds from the MoWCD, the amount is credited to the
account of the beneficiaries.
vi. Fund Flow:
a) PM CARES fund to MoWCD
i. Upon receiving approved list of beneficiaries on the portal, MoWCD will send a requisition
to PM CARES fund through the PM CARES for Children portal for releasing a lump sum
amount to the Ministry. The fund from the PM CARES fund will be credited in a dedicated
account which will be maintained and operated by the MoWCD.
ii. This dedicated account will be opened by MoWCD, in the name of PM CARES for Children
scheme, in a bank, for the purpose of managing the fund.
b) MoWCD to District Magistrate

i. MoWCD will transfer the lump sum amount to either the existing account or new account
opened by DM for crediting upfront contribution to the beneficiaries’ account.
ii. MoWCD will also transfer the recurring amount validated by the concerned Ministries/
Department, annually, to the account of DM, for education, health, or other activities of the
children, as the case may be.
c) District Magistrate to Beneficiaries and Institutions

i. A one-time contribution, varying in each case as depending on the age of the child
(Annexure-4) would be deposited in the account of the child from this identified account of
the DM in such a manner that the total corpus accumulates to Rs. 10 lakhs upon child
attaining the age of 18 years 5.
ii. DM would provide necessary funds to the institutions responsible for education, health,
or other activities of the children, as the case may be.
d) For minor account holder - In the unfortunate event of death of beneficiary, the
account shall be closed, and the lump sum upfront contribution shall be paid to the joint
account holder for further transmission to the PM - CARES Fund.
e) For major account holder - In the unfortunate event of death of beneficiary, the
account will be operated as per the provisions of the National Savings (Monthly Income
Account) Scheme, 2019, as notified by Central Government from time to time.
List of Women Empowerment Schemes in India
1. Beti Bachao Beti Padhao Scheme

Launched on 22nd January 2015 by the Prime Minister of India in Haryana, the
Beti Bachao Beti Padhao Scheme ensures survival, protection and education of girl
children. The scheme aims to address issues of the declining sex ratio over the past
few years, create social awareness and enhance the efficiency of welfare services
developed for girls.
Who Are the Beneficiaries of This Scheme?

The Beti Bachao Beti Padhao Scheme is applicable to the whole country.
However, to ensure maximum reach, this scheme is divided into 3 groups.
These are -
 Primary Group (young and married couples, pregnant mothers
and parents)
 Secondary Groups (the youth of India, adolescents, in-laws,
doctors, private hospitals, nursing homes, diagnostic centres)
Tertiary Groups (general people of the country, religious leaders,

voluntary organisations, frontline workers, officials, media and
women SHGs Sector)
Which Sector Does This Scheme Target?
Women and Child Welfare
What Is the Eligibility Criteria to Avail the Benefits of This Scheme?

 A family with a girl child (Indian) below 10 years of age is
eligible.
 A family with a girl child must have a Sukanya Samriddhi
Account (SSA) opened in any nationalised bank.
What Is the Application Process to Avail This Scheme?

 Step-1- Visit the registered bank or post office.
 Step-2- Collect and fill in the application form of the Beti
Bachao Beti Padhao Scheme.
 Step-3- Attach the required documents and submit the
application form.
What Are the Documents Required to Apply for This Scheme?

 Birth Certificate of the girl child
 Passport size photograph
 Proof of Identity of the Parents (Aadhaar Card, Ration Card,
etc.)
Proof of Address (Passport, utility bills like water, driving

licence, telephone, electricity etc.)
2. Working Women Hostel
To promote safe accommodation and environment for working women and
provide day-care facilities for their children, the Government of India has
introduced the ‘Working Women Hostel Scheme’. Through this women
empowerment scheme, the Government provides grant-in-aid for
construction and new hostel buildings and extension of an existing building
in rented premises.

 Working Women (single, widowed, married, divorced,
separated).
 This scheme provides a particular preference for working women
belonging to the disadvantaged sections of society.
 The Scheme guidelines also provide for the reservation of seats
for physically challenged beneficiaries.

Women and Child Care Development Ministry

 Working women whose husband or immediate family does not
reside in the same city/area.
 Women undertaking training (not exceeding one year) for a job
 The consolidated gross income per month should not cross the
limit of ₹50,000 in the metropolitan city and ₹35,000 in other
cities.

 Step-1: Approach the WCD department of your concerned state.
 Step-2: Collect the application form and fill it in with the correct
details.
 Step-3: Submit the application form and other essential
documents.

 Duly fill-in application form
 A certificate from the employer with all the details of the gross
salary, including allowances.
 Medical Certificate from a registered practitioner
 Identity Proof (PAN/Driving Licence/Pass Port/ Any other valid
document issued by Government)
 Passport-size photographs
Note: The requirement of documents may vary from one state to another.
3. One Stop Centre Scheme

Next in the list of women empowerment schemes in India comes One Stop
Centre Scheme. It is a centrally sponsored scheme and is funded through
the Nirbhaya fund. State governments receive 100% central assistance to
protect women affected by violence (gender-based such as acid attacks,
rape, and sexual harassment) in public and private spaces. This scheme
facilitates emergency (medical), legal aid and counselling, non-emergency
services under one roof to combat all forms of violence against women.

All women affected by violence, irrespective of class, caste, region, religion,
marital status or sexual orientation, can get benefits under the One Stop
Centre Scheme.

Women and Child Development Ministry

All women, including girls aged below 18.

Since this is a different kind of scheme (which provides shelter, medical
assistance, etc.), there is no such specific application process.
However, women affected by violence can reach for help by any of the
following methods,
1. By communicating by own self
2. Through women helpline and other emergency response helpline
3. Through any person, i.e., public servant (as defined under
section 21 of Indian Penal Code, 1860), friend, NGO, relative,
volunteer
Once the complaint is registered (be it SMS or internet), a text message will
reach DPO/PO/ CDPO DYSP /CMO /SHO/ DM/ SP/PO of the district/area
as per requirement. Also, if the victim comes in person to register an
application or any other person comes on her behalf, the case details will
be updated in a system, and a Unique ID will be generated.
4. Women Helpline Scheme

Women Helpline Scheme is one of the government schemes for women
empowerment that intends to give 24x7 emergency responses to women
affected by violence in private or public spaces. The universalisation of
women helpline numbers has been done in every State and Union Territory
through a single toll-free number (181) that provides immediate support to
women nationwide. Further, this scheme creates awareness about women
empowerment schemes and programs.

Any women or girls facing violence or willing to know about various women
related schemes or programs

Women and Child Development Ministry

No data is available

Women suffering from violence in public and private spaces can contact for
instant help or rescue through the following ways,
 Step-1: Telephone (mobile phones through calls, mobile apps
and fax messages, SMS/text messaging, landlines
 Step-2: Internet (emails, social networking sites such as web
page, Facebook, Twitter, MyGov.in, etc. web-posts, web-
interface)
In this service, a victim’s number is tracked or located. If a call gets
disconnected or interrupted while a victim is stating her issue due to being
sick or disabled, emergency services will reach there (by tracking address)
immediately.
5. Mahila E-Haat
Mahila E-Haat is an initiative launched by the Ministry of Women and Child
Development. It is one of the women empowerment schemes in
India which provides an opportunity for women entrepreneurs for using
technology and presents their products (made/manufactured/sold) on an
online platform.
With only mobile and internet connections, women entrepreneurs can
showcase their products along with descriptions and photographs. Here,
buyers can also reach sellers telephonically, physically, through email or
any other medium. The list of products may include clothing, fashion
accessories, pottery, boxes, home décor, toys and many other things. This
initiative supports the ‘Make in India’ program through an online platform.
Women entrepreneurs, women self-help groups (SHG), NGOs

Women and Child Development

 Women entrepreneurs must be Indian citizens.
 Products sold must be legal.

 Step-1: Visit the official website of Mahila E-Haat.
 Step-2: Click on ‘Join Us’.
 Step-3: A new webpage, i.e., Mahila E-Haat initiative
registration will open. Fill in the registration form with correct
details and submit it to complete the application process.

 Aadhaar card
 PAN card
 Address proof
 Bank account details
6. Mahila Police Volunteers

The Ministry of Women and Child Development, along with Home Affairs,
launched the Mahila Police Volunteers scheme in all States and Union
Territories. This central government-sponsored scheme aims to create a
link between police authorities and local communities to ensure police
outreach on crime cases. This scheme works to create a safe woman-
friendly environment and encourages women to join the police force.

Indian women

Ministry of Women and Child Development and Home Affairs

 Women applicants’ age must be 21 years.
 Women applicants must have a 12th-grade certificate.
 She should belong to the same geographical area (where she is
applying for the scheme) and must know the local language.
 She should not have any criminal record.
 She should not be a member of any political party.

At the district level, the Superintendent of Police and the General Director
of the State conduct the selection process.
The first step to applying correctly for this women empowerment scheme in
India is approaching the concerned authority. The notice will be issued in
offices including Local Thana, Police Chowki, PS/OP/DySP/SP Offices, DM
Office, Panchayat Office, Accredited Social Health Activist, Municipal
Office, Anganwadi Workers (AWWs), Auxiliary Nurse Midwives (ANMs),
Publicity through Tehsildar Office, Block Development Officer.
Thereafter, applicants can follow the steps given below -
 Step-1: Collect the application form and submit it to the
Superintendent of Police of the area.
 Step-2: The Screening Committee will complete the short-listing
process.
 Step-3: Once the short-listing process is completed, the
Superintendent of Police will call for an interview of the selected
individuals. The Superintendent of Police will issue appointment
orders.
 Step-4: Selected candidates have to submit important documents
and a Self-Declaration.

 Identity proof (Aadhar card, voter identity card, PAN Card,
driving licence, etc.)
 Address proof (Aadhar card, valid passport, utility bill, property
tax bill, etc.)
 Bank account details
 Educational Qualification certificates
 Passport size photograph
Note: The women applicant must not have a default record in any bank.
7. STEP (Support to Training and Employment Program for Women)

One of the most effective women empowerment schemes in India is STEP
(Support to Training and Employment Program for Women). It was
introduced to provide training in skill development and to assure
employment to women. This government-backed scheme offers grants to
institutions and organisations to conduct the training programme.
Marginalised (with special focus on SC/ST households, women-headed
households and families below the poverty line), asset-less rural women
and urban poor.


 Women of 16 years of age or above
 Institutions or organisations registered under the Societies
Registration Act, 1860/ Indian Trusts Act, 1882 (Not for Profit)/
other statutes.
 Non-government organisations/voluntary organisations
registered under the Societies Registration Act or Indian Trust
Act.
 Co-operative societies are registered under the Co-operative
Societies Act.
What Is the Application Process to Avail This Scheme (For

organisations and institutions)?
 Step-1: Eligible NGOs must register themselves on NITI Aayog
Portal or NGO-PS Portal and generate a unique ID.
 Step-2: Submit the project proposals online to the Ministry of
Women and Child Development.
 Step-3: The State Government will address these proposals and
forward them to the Ministry of Women and Child Development
with a recommendation.
 Step-4: A pre-screening Committee will verify these proposals
and pass them on to the Project Appraisal Committee for final
approval.
 Step-5: Once the selection is made, the fund will be given to the
registered NGO.

 Balance sheet, income and expenditure account and receipt and
payment account (audited and of the previous 3 years).
 Proof of experience in the sector concerned.
 Document stating that the course follows the stipulations of the
National Skills Qualification Framework (NSQF).
 Annual Report (previous 3 years).
 Copy of Registration Certificate (if any).
8. SWADHAR Greh
SWADHAR Greh, one of the Government schemes for women's
empowerment in India, aims to provide shelter, food, clothing, social,
economic and health security. This scheme provides legal assistance to
women and helps them take initiative for readjusting in societies.
 Women who are deserted and do not have any economic and
social support.
 Homeless women (who survived natural calamity but do not
have economic support)
 Women prisoners (released but do not have a family)
 Trafficked women or girls rescued or escaped from a brothel
 Women suffering from AIDs, HIV


Women aged 18 years or above

 Step-1: Visit the nearest Gram Panchayat, municipal corporation
office.
 Step-2: Collect the application form and fill it in with important
information.
 Step-3: Submit the duly filled application form along with other
documents.

Aadhaar Card and other documents as instructed by the concerned
authority
9. Mahila Shakti Kendras (MSK)
Another popular women empowerment scheme in India is Mahila Shakti
Kendra. It aims to provide one-stop convergent support services to women
to develop skills, generate employment opportunities, and increase digital
literacy. This scheme is operational at multiple levels, such as national
level, state level, and district level. The Government intends to cover the
115 most backward districts by establishing 920 Mahila Shakti Kendras.

Rural women
Women must be a resident of India.
10. Rajiv Gandhi National Creche Scheme
The Government has introduced National Creche Scheme for the children
of a working mother. This scheme provides daycare facilities to the children
and guarantees to improve the health and nutrition status of children.
Further, this women empowerment yojana promotes physical, social, and
holistic development of children and educates parents to enhance childcare
methods or techniques.

Children of working women.


 Children aged between 6 months to 6 years.
 Working women of both rural and urban areas must be employed
for at least 15 days in a month or 6 months in a year.

The applicant family has to provide certain fees to the respective crèche to
opt for the services offered under the Rajiv Gandhi National Creche
Scheme. These are -
 Families with income up to ₹12,000 - ₹100 (each month) per
children
 Families with an income of more than ₹12,000 - ₹200 (each
month) per children
 BPL families - ₹20 (each month) per child

 Birth Certificate
 Identity card or any document stating that the applicant
children’s mother has been a part of a public organisation for the
last 6 months
Vidhwa Pension Yojana
The Central Government of India launched the Vidhwa Pension Yojana for
all the states. This yojana provides financial support to all women who do
not have anyone to take care of them. The Vidhwa Pension Yojana is a
step towards the empowerment of every woman in the country.
Eligibility Criteria for Vidhwa Pension Yojana
 Only widow women below the poverty line are eligible to receive
benefits under this yojana.
 The age of a woman must be between 18 to 60 years.
 If the widowed woman has remarried after the husband’s death,

she will not be eligible to receive benefits under this yojana.
 If the children of the woman are adults and can maintain her,
she will not be eligible to receive benefits under this yojana.
Benefits of the Vidhwa Pension Yojana
Generally, a widowed woman will get a minimum pension of Rs.300 every month in all
states. However, this amount varies between Rs.300 to Rs.2,000 per month, depending on the
respective state. After attaining 80 years, the beneficiary will get an old-age pension of
Rs.500 per month.
The old-age pension amount and age limit varies from state to state. The state government
will directly deposit the pension amount in the beneficiary widow’s bank account.
Vidhwa Pension Yojana Application Process
The application process for this yojana differs from state to state. Generally, a
widowed woman can apply to the Vidhwa Pension Yojana by visiting the Municipal
Corporation office or Panchayat office and submitting the application for this yojana.
A widowed woman can also apply online by filling and submitting the widow pension
application on the official website/e-services website of her state.
Documents Required for the Vidhwa Pension Yojana

 Applicant photo
 ID proof (Voter card/ Ration Card/Aadhar Card)
 Birth certificate
 Bank passbook
 Death certificate of husband
 Income certificate
Benefits of Women Empowerment Schemes in India

The introduction of various women empowerment schemes in India has
benefited women in multiple ways. These are -
 Women have been able to gain social security.
 They can gain advanced training related to skill development and
others and increase earning opportunities.
 Women can address their issues more freely and quickly with the
government or local concerning authorities.
 Working mothers can now ensure proper care of their children
by keeping their children at day care facilities. Thus, they need
not compromise their jobs/careers for family.
 They can ensure dignified living (at government hostels) away
from home.
Now that you know about various government-backed women
empowerment schemes in India and their benefits, apply for any of them
(as per your requirement) and establish yourself as an educated and
empowered woman in society.
Pradhan Mantri Shram Yogi Maan-dhan

(PM-SYM)
Pension scheme for unorganised workers
Government of India has introduced a pension scheme for unorganised workers

namely Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) to ensure old age
protection for Unorganised Workers.
The unorganised workers mostly engaged as home based workers, street vendors,
mid-day meal workers, head loaders, brick kiln workers, cobblers, rag pickers,
domestic workers, washer men, rickshaw pullers, landless labourers, own account
workers, agricultural workers, construction workers, beedi workers, handloom
workers, leather workers, audio- visual workers and similar other occupations whose
monthly income is Rs 15,000/ per month or less and belong to the entry age group of
18-40 years. They should not be covered under New Pension Scheme (NPS),
Employees’ State Insurance Corporation (ESIC) scheme or Employees’ Provident
Fund Organisation (EPFO). Further, he/she should not be an income taxpayer.
2. Features of PM-SYM: It is a voluntary and contributory pension scheme, under

which the subscriber would receive the following benefits:
(i) Minimum Assured Pension: Each subscriber under the PM-SYM, shall receive
minimum assured pension of Rs 3000/- per month after attaining the age of 60
years.
(ii) Family Pension: During the receipt of pension, if the subscriber dies, the
spouse of the beneficiary shall be entitled to receive 50% of the pension received by
the beneficiary as family pension. Family pension is applicable only to spouse.
(iii) If a beneficiary has given regular contribution and died due to any cause
(before age of 60 years), his/her spouse will be entitled to join and continue the
scheme subsequently by payment of regular contribution or exit the scheme as per
provisions of exit and withdrawal.
4. Contribution by the Subscriber: The subscriber’s contributions to PM-SYM

shall be made through ‘auto-debit’ facility from his/ her savings bank account/
Jan- Dhan account. The subscriber is required to contribute the prescribed
contribution amount from the age of joining PM-SYM till the age of 60 years.
The chart showing details of entry age specific monthly contribution is as
under:
Entry Superannuation Member's monthly Central Govt's monthly Total monthly contribu
Age Age contribution (Rs) contribution (Rs)
(1) (2) (3) (4) (5)= (3)+(4)
18 60 55 55 110
19 60 58 58 116
20 60 61 61 122
21 60 64 64 128
22 60 68 68 136
23 60 72 72 144
24 60 76 76 152
25 60 80 80 160
26 60 85 85 170
27 60 90 90 180
28 60 95 95 190
29 60 100 100 200
30 60 105 105 210
31 60 110 110 220
32 60 120 120 240
33 60 130 130 260
34 60 140 140 280

35 60 150 150 300
36 60 160 160 320
37 60 170 170 340
38 60 180 180 360
39 60 190 190 380
40 60 200 200 400
5. Matching contribution by the Central Government: PM-SYM is a voluntary

and contributory pension scheme on a 50:50 basis where prescribed age-
specific contribution shall be made by the beneficiary and the matching
contribution by the Central Government as per the chart. For example, if a
person enters the scheme at an age of 29 years, he is required to contribute
Rs 100/ - per month till the age of 60 years an equal amount of Rs 100/- will
be contributed by the Central Government.
6. Enrolment Process under PM-SYM: The subscriber will be required to have

a mobile phone, savings bank account and Aadhaar number. The eligible
subscriber may visit the nearest Common Services Centres (CSC
eGovernance Services India Limited (CSC SPV)) and get enrolled for PM-
SYM using Aadhaar number and savings bank account/ Jan-Dhan account
number on self-certification basis.
Later, facility will be provided where the subscriber can also visit the PM-SYM
web portal or can download the mobile app and self-register using Aadhar
number/ savings bank account/ Jan-Dhan account number on self-certification
basis.
6. Enrollment agencies: The enrolment will be carried out by all the Common
Services Centres. The unorganised workers may visit their nearest CSC along with
their Aadhar Card and Savings Bank account passbook/Jandhan account and get
registered themselves for the Scheme. Contribution amount for the first month shall
be paid in cash for which they will be provided with a receipt.
7. Facilitation Centres: All the branch offices of LIC, the offices of ESIC/EPFO and
all Labour offices of Central and State Governments will facilitate the unorganised
workers about the Scheme, its benefits and the procedure to be followed, at their
respective centers.
In this respect, the arrangements to be made by all offices of LIC, ESIC, EPFO all
Labour offices of Central and State Governments are given below, for ease of
reference:
1. All LIC, EPFO/ESIC and all Labour offices of Central and State Governments
may set up a “Facilitation Desk” to facilitate the unorganised workers, guide about
the features of the Scheme and direct them to nearest CSC
2. Each desk may consist of at least one staff.
3. They will have backdrop, standi at the main gate and sufficient number of
brochures printed in Hindi and regional languages to be provided to the unorganised
workers.
4. Unorganised workers will visit these centres with Aadhaar Card, Savings bank
account/Jandhan account and mobile phone.
5. Help desk will have onsite suitable sitting and other necessary facilities for these
workers.
6. Any other measures intended to facilitate the unorganised workers about the
Scheme, in their respective centers.
8.Fund Management: PM-SYM will be a Central Sector Scheme administered by
the Ministry of Labour and Employment and implemented through Life Insurance
Corporation of India and CSC eGovernance Services India Limited (CSC SPV). LIC
will be the Pension Fund Manager and responsible for Pension pay out. The amount
collected under PM-SYM pension scheme shall be invested as per the investment
pattern specified by Government of India.
9.Exit and Withdrawal: Considering the hardships and erratic nature of
employability of these workers, the exit provisions of scheme have been kept
flexible. Exit provisions are as under:
(i) In case subscriber exits the scheme within a period of less than 10 years, the
beneficiary’s share of contribution only will be returned to him with savings bank
interest rate.
(ii) If subscriber exits after a period of 10 years or more but before superannuation
age i.e. 60 years of age, the beneficiary’s share of contribution along with
accumulated interest as actually earned by fund or at the savings bank interest rate
whichever is higher.
(iii) If a beneficiary has given regular contributions and died due to any cause, his/
her spouse will be entitled to continue the scheme subsequently by payment of
regular contribution or exit by receiving the beneficiary’s contribution along with
accumulated interest as actually earned by fund or at the savings bank interest rate
whichever is higher.
(iv) If a beneficiary has given regular contributions and become permanently
disabled due to any cause before the superannuation age, i.e. 60 years, and unable
to continue to contribute under the scheme, his/ her spouse will be entitled to
continue the scheme subsequently by payment of regular contribution or exit the
scheme by receiving the beneficiary’s contribution with interest as actually earned by
fund or at the savings bank interest rate whichever is higher.
(v) After the death of subscriber as well as his/her spouse, the entire corpus will be
credited back to the fund.
(vi) Any other exit provision, as may be decided by the Government on advice of
NSSB.
11. Default of Contributions: If a subscriber has not paid the contribution
continuously he/she will be allowed to regularize his contribution by paying entire
outstanding dues, along with penalty charges, if any, decided by the Government.
12. Pension Pay out:Once the beneficiary joins the scheme at the entry age of 18-
40 years, the beneficiary has to contribute till 60 years of age. On attaining the age
of 60 years, the subscriber will get the assured monthly pension of Rs.3000/- with
benefit of family pension, as the case may be.
13. Grievance Redressal: To address any grievances related to the scheme,
subscriber can contact at customer care number 1800 267 6888 which will be
available on 24*7 basis(to be effective from 15 Febraury 2019). Web portal/ app will
also have the facility for registering the complaints.
14. Doubt and Clarification: In case of any doubt on the scheme, clarification
provided by the JS & DGLW will be final.
15. CSC Locator: For finding the nearest CSC, please visit locator.csccloud.in
Pradhan Mantri Rojgar Protsahan Yojana
Objectives
The Pradhan Mantri Rojgar Protsahan Yojana (PMRPY) is a scheme to incentivise employers
registered with the Employees' Provident Fund Organisation (EPFO) for job creation by the
Government paying the full contribution of employers to the Employee Pension Scheme (EPS)
and Employees’ Provident Fund (EPF) in respect of new employees having a new Universal
Account Number (UAN).
This Scheme has a dual benefit, where, on the one hand, the employer is incentivised for
increasing the employment base of workers in the establishment, and on the other hand, a large
number of workers will find jobs in such establishments. A direct benefit is that these workers will
have access to social security benefits of the organized sector.
Scheme Eligibility
All establishments registered with Employees' Provident Fund Organisation (EPFO) can apply for
availing benefits under the scheme subject to the following conditions
 Establishments registered with the Employees' Provident Fund Organisation (EPFO)

should also have a Labour identification Number (LN) allotted to them under the Shram
Suvidha Portal . The LIN will be the primary reference number for all communication to be
made under the PMRPY Scheme.
 The eligible employer must have added new employees to the reference base of workers
in order to avail benefits under the Scheme from August, 2016 onwards. The reference
base of workers will be determined by the number of employees against whom the
employer has deposited the 12% (3.67% EPF + 8.33% EPS) with EPFO as on 31st March,
2016, as ascertained/verified from the monthly ECR for March, 2016. For example, an
establishment, say M/s ABC Ltd. had filed an ECR for the employers' contribution for 45
employees/workers in March, 2016. In the month of April, 2016, the establishment has
added, say, 15 new workers bringing the total of employees to 60, the employer will be
eligible to apply for the PMRPY Scheme benefits for these 15 new employees. The
employer will not be eligible to avail of PMRPY benefits if there is no new employment
vis-a-vis the reference base in any Subsequent month. The new employee, as mentioned
in para 5(e) above, is one that had not worked in any EPFO registered establishment or
had a Universal Account Number, in the past, i.e. prior to 01 April, 2016.
 For new establishment coming into existence/getting registered with EPFO after 01 April,
2016, the reference base will be taken as Zero/NL employees. Thus, the employer can
avail of PMRPY benefits for a new eligible employees.
 The PMRPY Scheme is targeted for employees earning wages less than Rs 15,000/- per
month. Thus, new employees earning wages more than Rs 15,000/- per month will not be
eligible. A new employee is one who has not been working in an EPFO registered
establishment on a regular basis prior to 01 April, 2016 and will be determined by the
allocation of a new Aadhaar seeded Universal Account Number (UAN) on or after
01.04.2016. In case the new employee does not have a new UAN, the employer will
facilitate this through the EPFO portal.
 The employers will continue to get the 12 % contribution paid by the Government for
these eligible new employees for the next 3 years, provided they continue in employment
by the same employer. The contribution will be paid by GOI after the employer has
remitted the contribution for these new employees each month. To avoid any penalty on
the EPF/EPS contribution, the employer is advised to submit the PMRPY online form at
the earliest, preferably by the 10th of the following month.
 Employers/Establishments applying for the Scheme shall be fully responsible for the
information uploaded, if at any time, it is found that the information submitted is incorrect
or false, it will be assumed that the EPS payment and EPF payment has not been made for
these employees. The employer will then be liable for dues and penalties as already
specified under the relevant provisions of The Employees' Provident Fund Scheme, 1952.
 The terminal date for registration of beneficiaries through an establishment under the
PMRPY is March 31, 2019.
Duration of the scheme

The Scheme will be in operation for a period of 3 years and the Government of India will continue
to pay the full contribution to be made by the employer for the next 3 years. That is, all new
eligible employees will be covered under the PMRPY Scheme till 2019-20.
Instructions for availing benefits under PMRPY scheme
Eligibility Criteria for establishments for claiming benefit under the
scheme
 Establishment should be registered with EPFO under EPF Act 1952 and have a valid LIN
 Establishment should have a valid organisational PAN
 Establishment must have a valid Bank Account, the details of which are to be entered and
through which payments may be made to the establishment.
 Establishment should have submitted their ECR for the month of March, 2016
 Establishment should have increased the number of employees on or after 01.04.2016
 For new establishments registered after 01.04.2016, all new employees can be covered
subject to meeting of necessary conditions. The terminal date for registration of
beneficiaries through an establishment under the PMRPY is March 31, 2019.
Necessary conditions for eligibility of employees under PMRPY

 New employee should have joined in the establishment on or after 01.04.2016 and should
not have been a regular employee in any EPF registered establishment prior to this.
 Employer should ensure that the new employee has a valid UAN which is Aadhaar linked.
In case it is not available, it may obtained from the EPFO website
(http://www.epfindia.com/). The mobile number and other contact details are to be
captured by EPFO.
 The monthly wages of the new employee should be less than Rs. 15,000
 The EPS contribution for the new employee will be available for 3 years.
 In case an establishment eligible for a Scheme has a drop/fall in employment from the
reference base, the establishment will not be eligible for the scheme in the months where
employment is below this reference base.
 Validation of new employees:
o Employer will upload the ECR file as proposed in ECR 2.0
o ECR will be accompanied with an online certificate from the employer stating that
the Submission is claimed only in respect of new employees without past service
and for newly created posts.
Process to be followed
 Employers are to Login to the PMRPY portal using their LIN/EPFO registration ID.
 Enter the organisational details that are required as per the format including the
Organisational PAN. It is necessary to mention the nature of industry/sector as per
National Industrial Classification Code NIC-2008, maintained by the Ministry of Statistics
& Programme implementation.
The appropriate NIC code is determined/ assessed by the value added by production of
different products and services or net revenue derived from various activities, i.e. the
industry code of the primary manufactured product (output) of that establishment. In case
of multi-product establishments, the appropriate NIC code is determined by the category
of the product contributing the maximum value added for the establishment. Where such
assessment is not possible, classification may be done in terms of gross revenue attributed
to the products, or services of the establishments, the number of persons employed for
various activities.
 The employment to be covered under the Scheme would comprise new employment for
workers earning wages less than Rs. 15,000/- per month. The description of the post (job
role) for the new employment needs to be specified along with the date of joining and
date of exit, if applicable.
 PMRPY form should be submitted by eligible employers at the end of each month,
preferably by the 10th day of the following month.
 In case the employer does not submit the information on-line on the PMRPY form by
10th of the following month, he will not be eligible for availing benefits under the PMRPY
Scheme for that month.
 The submission of the form will be determined by the employer having paid the EPS &
EPF contribution in respect of these new employees.
Atal Beemit Vyakti Kalyan Yojana
Benefits under the scheme

The scheme provides relief to the extent of 50% of the average per day earning during the
previous four contribution periods (total earning during the four contribution period/730) to be
paid up to maximum 90 days of unemployment once in lifetime of the Insured Person.
Duration of allowance
1. The maximum duration, for which an IP shall be eligible to draw the Relief under the Atal
Beemit Vyakti Kalyan Yojana (ABVKY) will be 90 days once in life time after a minimum of
two years of Insurable Employment and subject to the contributory conditions specified
above. The claim for relief under the Atal Beemit Kalyaan Yojana will be payable after the
three months of his/her clear unemployment. The relief will be paid for clear month of
unemployment. No prospective claim will be allowed.
2. In case the beneficiary gets gainful employment in between the three months of
unemployment for which he was eligible for relief under ABVKY, the relief will be payable
for clear month of unemployment between the date of unemployment and date of re-
employment. The balance of 90 days of relief in this case may be claimed in the same
manner as mentioned above based upon the initial contributory conditions by the
beneficiary in case he again renders unemployed from Insurable employment within one
year from initial unemployment.
Eligibility
 Employees covered under Section 2(9) of the ESI Act 1948.
 The Insured Person (IP) should have been rendered unemployed during the period the
relief is claimed.
 The Insured Person should have been in insurable employment for a minimum period of
two years.
 The Insured Person should have contributed not less than 78 days during each of the
preceding four contribution periods.
 The contribution in respect of him should have been paid or payable by the employer.
 The contingency of the unemployment should not have been as a result of any
punishment for misconduct or superannuation or voluntary retirement.
 Aadhar and Bank Account of the Insured Person should be linked with insured person
database.
Other conditions for administration of the scheme
 In case the IP is working for more than one employer and is covered under the ESI
scheme he will be considered unemployed only in case he is rendered unemployed with
all employers.
 As specified in Section 65 of the ESI Act, an IP shall not be entitled to any other cash
compensation and the Relief under ABVKY simultaneously for the same period. However,
periodical payments of Permanent Disability Benefit (PDB) under ESI Act and Regulations
shall continue.
 As specified under Section 61 of the ESI Act, an IP who is in receipt of Relief under
ABVKY shall not be entitled to receive any similar benefit admissible under the provisions
of any other enactment.
 The IP will be eligible for Medical benefit as provided under the Act for the period he is
availing this relief.
Disqualification/Termination of relief under ABVKY

Relief under ABVKY shall not be admissible in the following circumstance:
1. During lock out.

2. Strike resorted to by the employees declared illegal by the competent authority.
3. Voluntary abandonment of employment/ voluntary retirement/ premature retirement.
4. Less than two years contributory service.
5. On attaining the age of superannuation.
6. Convicted (i.e. punished for false statement) under the provisions of Section 84 of the ESI
Act read with Rule 62 of the ESI (Central) Rule
7. On being re-employed elsewhere during the period he/she is in receipt of Relief under
ABVKY.
8. Dismissal/termination under disciplinary action.
9. On death of IP.
Central Sector Scheme for Rehabilitation of

Bonded Labourer-2016
Revised scheme guidelines
The revised Scheme is a Central Sector Scheme and came into effect from 17th May, 2016. The
Salient features are as follows.
 Every bonded labour including child bonded labour in the country is covered under the
Scheme.
 The State Governments shall not be required to pay any matching contribution for the
purpose of cash rehabilitation assistance. The fund is released by the Ministry of Labour
and Employment under the Scheme to the District National Child Labour Project Society
and the District Project Society in turn releases the fund to the implementing agencies
including the district administration.
 The amount of assistance for survey of bonded labourers is Rs. 4.50 lakh per district.
 The Rehabilitation package shall be
o Rs.1,00,000 per adult male beneficiary. Beneficiary shall have the option to either
deposit it in an annuity scheme or receive cash grant. The District Administration
will assess the cash requirement of the beneficiary and exercise its best
judgement in the matter and put the money under annuity scheme with the
consent of the said adult male.
o For special category beneficiaries such as children including orphans or those
rescued from organised and forced begging rings or other forms of forced child
labour and women, the amount of rehabilitation assistance shall be 2 lakhs out of
which at least Rs 1,25,000/- shall be deposited in an annuity scheme in the name
of each beneficiary and the balance amount shall be transferred to the beneficiary
account through ECS.
o In cases of bonded or forced labour involving extreme cases of deprivation or
marginalization such as trans-genders, or women or children rescued from
ostensible sexual exploitation such as brothels, massage parlours, placement
agencies etc., or trafficking, or in cases of differently abled persons, or in situations
where the District Magistrate deems fit, the rehabilitation assistance shall be Rs 3
lakhs, out of which at least Rs 2 lakhs shall be deposited in an annuity scheme in
the name of each beneficiary and Rs 1 lakh shall be transferred to the beneficiary
account through ECS.
o The above benefits would be additionality to other land and housing elements,
etc. of the original scheme as mentioned below:
 Allotment of house-site and agricultural land
 Land development
 Provision of low cost dwelling units
 Animal husbandry, dairy, poultry, piggery etc.
 Wage employment, enforcement of minimum wages etc.
 Collection and processing of minor forest products.
 Supply of essential commodities under targeted public distribution system.
 Education for children.
 The release of rehabilitation assistance has been linked with conviction of the accused. In
cases where the trial has not been concluded, but the District Administration has arrived
at a prima facie finding and proof of bondage, then the proposal for cash assistance shall
not be stopped for want of details of conviction. However, final disbursement of cash
assistance and non-cash assistance shall be made upon proof of bondage and other legal
consequences as per judicial process.
 In cases where, on the conclusion of the summary trial, the District Magistrate (DM) /
Sub-Divisional Magistrate (SDM) concludes that the alleged bonded labourer is, in fact,
not in a condition of bondage, but requires socio-economic assistance, the DM/SDM, may
provide state assistance under any other scheme administered by them.
 In cases where, the DM/SDM find that immediate assistance is necessary for care and
protection of the rescued persons during the pendency of the summary trial, such
assistance including food, lodging, medical assistance, legal aid, provisions for victim's or
witness' protection, etc., shall be provided under any other law or scheme forthwith,
notwithstanding the entitlements prescribed under this scheme.
 State Governments/UTAs shall be required to concentrate their efforts on the following
activities:
o The District Administration in a convergence approach shall undertake measures
for providing safe and secure environment for the capacity building of child
bonded labourers in coordination with all relevant Government departments.
Accordingly, facilities for, ensuring their proper education, psycho social
counselling short stay home till education upto class 12th, skill development shall
be an integral component of the rehabilitation package.
o For addressing the special needs of female freed bonded labourers, State
Government shall also provide financial and other assistance for marriage, apart
from other capacity building measures mentioned earlier.
o For addressing the needs of the disabled persons, special care should be made
available by the State as per national policy for disabled people apart from other
capacity building measures.
o For adult bonded labour who do not come under any of the above categories,
employable skill development training shall be a compulsory element of
rehabilitation
 A Bonded Labour Rehabilitation Fund shall be created at the District level by each State
with a permanent corpus of at least Rs.10 lakhs at the disposal of the District Magistrate
which should be renewable. This fund will be utilised for extending immediate help to the
released bonded labourers. The entire penalties recovered from the perpetuators of the
bonded labour upon conviction, may be deposited in this special fund.
 lmmediate assistance of at least Rs 5,000/- shall be provided by the District
Administration to the rescued person out of the District Bonded Labour Rehabilitation
Fund at the disposal of the District Magistrate. Where the DM is satisfied that a particular
rescued person requires more than Rs.5,000, he or she may disburse such higher amount
as deemed fit, but limited to the maximum entitlement prescribed under this scheme. Any
such advance amount shall be deducted from the Central cash assistance amount.
eSHRAM portal
Objectives of eSHRAM Portal

 Creation of a centralized database of all unorganized workers (UWs) including
Construction Workers, Migrant Workers, Gig and Platform workers, Street Vendors,
Domestic Workers, Agriculture Workers, etc., to be seeded with Aadhaar.
 To improve the implementation efficiency of the social security services for the
unorganized workers.(ii) Integration of Social Security Schemes meant for UWs being
administered by MoLE and subsequently those run by other ministries as well.
 Sharing of information in respect of registered unorganised workers with various
stakeholders such as Ministries/ Departments/ Boards/ Agencies/ Organisations of the
Central & State Governments through APIs for delivery of various social security and
welfare schemes being administered by them.
 Portability of the social security and welfare benefits to the migrant and construction
workers.
 Providing a comprehensive database to Central and State Governments for tackling any
National Crises like COVID-19 in future.
Who can register in eShram (NDUW) Portal?

Any individual satisfying following condition can register on the portal:
 An unorganised worker (UW).

 Age should be between 16-59 years.
 Not a member of EPFO/ESIC or NPS (Govt. funded)
Who is Unorganised Worker?

Any worker who is a home based-worker, self-employed worker or a wage worker in the
unorganised sector including a worker in the organised sector who is not a member of ESIC or
EPFO or not a Govt. employee is called an Unorganised Worker.
What is required for registration in eSHRAM portal?
Following is required to register on the portal:
 Aadhar Number
 Mobile number linked with Aadhaar.
 Savings Bank Account number with IFSC code
How to register
 Self-registration by visiting e-SHRAM portal www.eshram.gov.in OR
 By visiting nearest CSCs & State Seva Kendras (SSKs)
Central Government has developed eSHRAM portal which will be a centralized database of
unorganized workers seeded with Aadhaar. After registering, he/she will get an Accidental
Insurance cover of 2 Lacs under PMSBY. In future, all the social security benefits of unorganized
workers will be delivered through this portal. In emergency and national pandemic like situations,
this database may be utilized for assistance.
Contact details for more information
e-SHRAM support contact details.
 National help Desk: 14434

 Language support at Helpdesk –Hindi, English, Tamil, Bengali, Kannada, Malayalam,
Marathi, Odia, Telugu & Assamese
 Helpdesk is available from Monday to Saturday - 8am to 8pm
 Portal to register grievance : www.gms.eshram.gov.in
Labour law reforms
Labour codes
As per the recommendations of the 2nd National Commission on Labour, Ministry has taken
steps for codification of existing Central labour laws into four Codes by simplifying, amalgamating
and rationalizing the relevant provisions of the Central Labour laws.
Salient Features of Four Labour codes
The Code on Wages, 2019
 It seeks to regulate wage and bonus payments in all employments where any industry,
trade, business, or manufacture is carried out.
 Subsumes 4 Labour Acts, namely, the Minimum Wages Act, 1948; the Payment of Wages
Act, 1936; the Payment of Bonus Act, 1965 and the Equal Remuneration Act, 1976
 Universalizes minimum wages to all employees in all sectors as against employees of
scheduled employment, at present
 Central Government to fix National Floor Wages
 Revision of minimum wages ordinarily at an interval of 5 years
 Universal applicability of provisions of timely payment of wages
The Industrial Relations Code, 2020

 Subsumes 3 Labour Acts, namely, the Industrial Disputes Act, 1947; the Trade Unions Act,
1926; the Industrial Employment (Standing Orders) Act, 1946.
 The IR Code, 2020 has been notified on 29.09.2020.
 Recognition of trade unions or federation of trade unions by the Central and State
Government to replace Code of discipline
 Concept of Recognition of Negotiating Union/Council introduced
 Definition of Worker (limit for declaring supervisor to be notified) and definition of
Industry (Bangalore Water Supply case)
 Fixed Term Employment worker category included
 Re-skilling Fund for training of retrenched employees
 Concerted casual leave by 50% or more workers on a day to be treated as strike
 Set up Industrial Tribunal by replacing multiple adjudicating bodies like the Court of
Inquiry, Board of Conciliation, Labour Courts.
 Reference of dispute to Industrial Tribunal by Appropriate Government done away.
 Two Members Industrial Tribunal. Each individual Member can adjudicate all issues except
matters relating to retrenchment, closure, strike, etc.
 Dispute of registered trade unions included within the purview of Industrial Tribunal as
demanded by Trade Unions
 Incorporation of 14 days' notice period for all strikes and lockouts which was earlier
required for public utility services only
 Introduction of provision of compounding of offences
The Occupational Safety, Health and Working Conditions Code,

2020
 Subsumes 13 Labour Acts relating to Factories , Mines, Dock, Construction Workers,
Plantation, Motor Transport & Beedi and Cigar, Contract Labour & InterState Migrant
Workers.
 The OSH Code, 2020 has been notified on 29.09.2020.
 Code envisages:
o Occupational Safety standards for different sectors Health and Working
Conditions : ventilation, drinking water, etc.
o Hours of Work , Overtime hours, Leave, Holiday, etc.
o Welfare provisions : canteen, crèche, rest rooms, first aid, etc.
o Mandatory provision for granting appointment letter by the employer.
o Annual health check-up / examination had been provided in respect of tests etc.
as prescribed for such employees or description or class of employees or
establishments or description of establishments above the prescribed age, and the
cost for the same to be borne by the employer
o Duties of employers, employees, manufacturers, etc.
o Registration of establishments including deemed registration,
o Common Licence for contract worker, Factories, Beedi & Cigar.
o Definitions in various Acts rationalised Including in case of “worker”,
"establishment", "industry". Definitions reduced to 65 as against 160 in the 13
Acts.
o One registration for establishments having 10 or more employees as against
separate registrations under 6 Central Acts including BOCW Act, The Contract
Labour Act, Inter-State Migrant Workmen Act, Motor Transport Workers Act,
Plantation Labour Acts and Factories Act.
 The applicability of the ISMW has been fixed at 10 to bring uniformity of
applicability threshold in OSH Code
 Further, wage limit as to who is ISMW would be notified by the Central
Government.
 For the purpose of collection of data while seeking registration, an
establishment would have to necessarily indicate the number of ISMW
employed in his establishment.
 Wide expansion of the definition of ISMW: to include (a) recruited
through contractor (b) directly recruited by the employer (c) ISMW comes
of his own for employment in another state.
o The ambit of the benefit to ISMW have been replaced to provide (a) lumpsum
allowance for undertaking journey by migrant worker to visit his native place in a
period to be decided by appropriate Government; and (b) to formulate a scheme
for providing portability of benefits of public distribution system and portability of
benefits to a worker who is engaged in building and other construction work in
one State and move to another State by appropriate Government.
o An all India licence de-linked from “work order” introduced to avoid obtaining of
repeated licence for each work under existing Contract Labour Act.
o Ambit of cine worker has been expanded to include all audio-visual workers and
workers in the electronic media
o Multiple committees under five labour Acts have been merged into one National
Occupational Safety and Health Advisory Board. Provision of state advisory board
has been provided.
o Different applicability thresholds for welfare provisions like crèche, canteen, first
aid, welfare officer etc in different Acts have been rationalized.
o Compounding of offences has been introduced.
o A part of the penalty for any violation of the provisions of the Code leading to
death or serious bodily injury to any person, can be given to the victim or the legal
heirs of the victim by the Court.
o Web-based inspection introduced.
o Number of returns reduced
The Code on Social Security, 2020

 Subsumes 9 Labour Acts including Employees' Provident Funds & Miscellaneous
Provisions Act , Employees' State Insurance Act, Payment of GratuityAct, Maternity
Benefit Act, Employees Compensation Act, Building and Other Construction Workers
Welfare CessAct.
 The Code on Social Security, 2020 has been notified on 29.09.2020.
 Proposes to create a comprehensive framework legislation for social security
 A right based system for phased universalization of social security contribution to be
made by the employer/employee
 Government may contribute for deprived category of worker
The Employees' Compensation Act, 1923

Wage ceiling for calculation of compensation under the Employees' Compensation Act, 1923 has
been revised to Rs. 15,000/- p.m. from Rs. 8,000/- p.m. w.e.f. 03.01.2020.
Revised Integrated Housing Scheme for workers
Intended beneficiaries
1. The workers engaged in Beedi/Iron Ore Mines, Manganese Ore & Chrome Ore Mines
(IOMC)/Limestone Ore Mines, Dolomite Ore Mines (LSDM) /Mica Mines and Cine
Industries, registered with the Labour Welfare Organisation (LWO) for atleast one year.
2. Before or after the application, there should not be any other pucca house either in the
name of the applicant or the name of his/her spouse or any of the dependents within
territory of India.
3. The applicant or spouse of dependent must have not received benefit from any other
housing scheme or any other consolidated funds of India or funds of the state or local
bodies.
4. Applicant should possess Aadhaar number and a bank account for availing the subsidy.
5. Applicant/ beneficiary should have homestead land in his/her name o r jointly/severally
owned along with other members of his family or on lan d allotted/ leased by the State
Government/Gram Sabha. In case of lease land, the lease-hold right should be for atleast
20 years, with provisions for further extension.
Assistance provided
1. The scheme provides housing subsidy of Rs. 1,50,000/- per worker for construction of
house to be paid in three installments directly into the bank account of the beneficiaries.
The installments shall be released in the slab of 25% (advance), 60% (After lintel level) and
15% (after completion).
2. Land area shall not less than 60s sq.meter for general category. However plot of smaller
area/size can be considered in case of Economically Weaker Sections (EWS), Scheduled
Castes and Scheduled Tribes provided the standards and specifications laid down in
Pradhan Mantri Awaas Yojana are broadly followed.
3. No deposit is required to be made by the beneficiary for release of subsidy. There shall
also be no cost ceiling in terms of the construction cost.
4. The construction of the house is to be completed by 18 months.
Application process
The application in the prescribed form should be filled in and submitted to the nearest Labour
Welfare Officer or Office of Welfare Commissioner as the case may be.
Organized Sector Workers
Rashtriya Swasthya Bima Yojana

RSBY- THE SCHEME
RSBY has been launched by Ministry of Labour and Employment,
Government of India to provide health insurance coverage for Below
Poverty Line (BPL) families. The objective of RSBY is to provide
protection to BPL households from financial liabilities arising out of
health shocks that involve hospitalization.
Eligibility
 Unorganized sector workers belonging to BPL category and their family
members (a family unit of five) shall be the beneficiaries under the scheme.
 It will be the responsibility of the implementing agencies to verify the
eligibility of the unorganized sector workers and his family members who are
proposed to be benefited under the scheme.
 The beneficiaries will be issued smart cards for the purpose of identification.
Benefits
The beneficiary shall be eligible for such in - patient health care
insurance benefits as would be designed by the respective State
Governments based on the requirement of the people/ geographical area.
However, the State Governments are advised to incorporate at least the
following minimum benefits in the package / scheme:
 The unroganised sector worker and his family (unit of five) will be covered.
 Total sum insured would be Rs. 30,000/- per family per annum on a family
floater basis.
 Cashless attendance to all covered ailments
 Hospitalization expenses, taking care of most common illnesses with as few
exclusions as possible
 All pre-existing diseases to be covered
 Transportation costs (actual with maximum limit of Rs. 100 per visit) within an
overall limit of Rs. 1000.
Funding Pattern
 Contribution by Government of India: 75% of the estimated annual premium
of Rs. 750, subject to a maximum of Rs. 565 per family per annum. The cost of
smart card will be borne by the Central Government.
 Contribution by respective State Governments: 25% of the annual premium, as
well as any additional premium.
 The beneficiary would pay Rs. 30 per annum as registration/renewal fee.
 The administrative and other related cost of administering the scheme would be
borne by the respective State Governments
The workers in the unorganized sector constitute about 93% of the total
work force in the country. The Government has been implementing
some social security measures for certain occupational groups but the
coverage is miniscule. Majority of the workers are still without any
social security coverage. One of the major insecurities for workers in the
unorganized sector is the frequent incidences of illness and need for
medical care and hospitalization of such workers and their family
members. Despite the expansion in the health facilities, illness remains
one of the most prevalent causes of human deprivation in India.
It has been clearly recognized that health insurance is one way of
providing protection to poor households against the risk of health
spending leading to poverty. The poor are unable or unwilling to take up
health insurance because of its cost, or lack of perceived benefits.
Organizing and administering health insurance, especially in rural areas,
is also difficult. Recognizing the need for providing social security to
these workers, the Central Government has introduced the Rashtriya
Swasthya Bima Yojana (RSBY). Till March 25, 2013, the scheme had
34,285,737 Smart Cards and 5,097,128 hospitalization cases.
 Gensis of RSBY
 RSBY- The Scheme
 Enrollment Process
 Smart Card
 Service Delivery
 Unique Features Of Rsby
 Central Complaint & Grievance Redressal System

Gensis of RSBY
In the past, the Government had tried to provide a health insurance cover to selected
beneficiaries either at the State level or National level. However, most of these schemes were
not able to achieve their intended objectives. Often there were issues with either the design
and/ or implementation of these schemes.
Keeping this background in mind, Government of India decided to design a health insurance
scheme which not only avoids the pitfalls of the earlier schemes but goes a step beyond and
provides a world class model. A critical review of the existing and earlier health insurance
schemes was done with the objective of learning from their good practices as well as seeks
lessons from the mistakes. After taking all this into account and also reviewing other
successful models of health insurance in the world in similar settings, RSBY was designed. It
has started rolling from 1st April 2008.
RSBY- THE SCHEME

RSBY has been launched by Ministry of Labour and Employment,
Government of India to provide health insurance coverage for Below
Poverty Line (BPL) families. The objective of RSBY is to provide
protection to BPL households from financial liabilities arising out of
health shocks that involve hospitalization.
Eligibility
 Unorganized sector workers belonging to BPL category and their family
members (a family unit of five) shall be the beneficiaries under the scheme.
 It will be the responsibility of the implementing agencies to verify the
eligibility of the unorganized sector workers and his family members who are
proposed to be benefited under the scheme.
 The beneficiaries will be issued smart cards for the purpose of identification.
Benefits
The beneficiary shall be eligible for such in - patient health care
insurance benefits as would be designed by the respective State
Governments based on the requirement of the people/ geographical area.
However, the State Governments are advised to incorporate at least the
following minimum benefits in the package / scheme:
 The unroganised sector worker and his family (unit of five) will be covered.
 Total sum insured would be Rs. 30,000/- per family per annum on a family
floater basis.
 Cashless attendance to all covered ailments
 Hospitalization expenses, taking care of most common illnesses with as few
exclusions as possible
 All pre-existing diseases to be covered
 Transportation costs (actual with maximum limit of Rs. 100 per visit) within an
overall limit of Rs. 1000.
Funding Pattern
 Contribution by Government of India: 75% of the estimated annual premium
of Rs. 750, subject to a maximum of Rs. 565 per family per annum. The cost of
smart card will be borne by the Central Government.
 Contribution by respective State Governments: 25% of the annual premium, as
well as any additional premium.
 The beneficiary would pay Rs. 30 per annum as registration/renewal fee.
 The administrative and other related cost of administering the scheme would be
borne by the respective State Governments
Enrollment Process
An electronic list of eligible BPL households is provided to the insurer, using a pre-specified
data format. An enrollment schedule for each village along with dates is prepared by the
insurance company with the help of the district level officials. As per the schedule, the BPL
list is posted in each village at enrollment station and prominent places prior to the
enrollment and the date and location of the enrolment in the village is publicized in advance.
Mobile enrollment stations are set up at local centres (e.g., public schools) in each village.
These stations are equipped by the insurer with the hardware required to collect biometric
information (fingerprints) and photographs of the members of the household covered and a
printer to print smart cards with a photo. The smart card, along with an information pamphlet,
describing the scheme and the list of hospitals, is provided on the spot once the beneficiary
has paid the 30 rupee fee and the concerned Government Officer has authenticated the smart
card. The process normally takes less than ten minutes. The cards shall be handed over in a
plastic cover.
SMART CARD
Smart card is used for a variety of activities like identification of the
beneficiary through photograph and fingerprints, information regarding
the patient. The most important function of the smart card is that it
enables cashless transactions at the empanelled hospital and portability
of benefits across the country. The authenticated smart card shall be
handed over to the beneficiary at the enrollment station itself. The
photograph of the head of the family on the smart card can be used for
identification purpose in case biometric information fails.
Service Delivery
A list of the hospitals (both public and private)(External website that opens in a new
window) will be provided at the time of enrollment. A helpline number will also be provided
along with the smart card. Based on the qualifying criteria, both public and private hospitals
will be empanelled by the insurance company. The beneficiary will have the option to choose
hospitals where they want to go.
No payment for the treatment cost up to Rs. 30000/- would be paid to the hospital.
In case of Cashless service, the patient will not have to spend any amount for taking the
treatment and hospitalization. It is the job of hospital to claim from the insurer.

General Public Schemes2022

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General Public Schemes2022

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General public schemes

Atmanirbhar Bharat Rozgar Yojana

Eligibility criteria for Establishments

 minimum of two new employees if reference base is 50 employees or less.

 Establishments employing up to 1000 employees: Employee’s contributions

The subsidy support to get credited upfront in Aadhaar seeded EPFO Account

Procedure and Instructions for availing benefits under this

Schemes for The Welfare of Senior Citizens

 State Action Plan for Senior Citizens (SAPSrC): The Government of India

 Promoting silver economy

 Channelizing CSR funds for Elderly care

PM CARES for Children

All children who have lost

i. Support for Boarding and Lodging:

ii. Assistance for Pre-school and School Education

a. For children below 6 years of age

b. For children below 10 years of age

c. For children between 11-18 years of age

iii. Health Insurance:

iv. Financial Support:

c. They will receive an amount of Rs. 10 lakh on attaining 23 years of age.

Nodal Agencies - National, State, and District

i. Role of the Ministry of Women and Child Development:

h) The Ministry shall be assisted by a Program Management Unit (PMU), for

ii. Role of State/UT Governments:

a) The department of Women and Child development or the department of Social

iii. Role of District Magistrate:

a) The District Magistrate shall anchor the scheme in the District

ii. Beneficiary Registration:

e) Confirmation of eligibility of the beneficiary on the portal - After satisfying

iv. Opening of Account:

b) Opening of account for children attained 18 years of age: In case of beneficiaries

vi. Fund Flow:

a) PM CARES fund to MoWCD

b) MoWCD to District Magistrate

c) District Magistrate to Beneficiaries and Institutions

1. Beti Bachao Beti Padhao Scheme

Who Are the Beneficiaries of This Scheme?

What Is the Eligibility Criteria to Avail the Benefits of This Scheme?

What Is the Application Process to Avail This Scheme?

What Are the Documents Required to Apply for This Scheme?

Who Are the Beneficiaries of This Scheme?

Which Sector Does This Scheme Target?

What Is the Eligibility Criteria to Avail the Benefits of This Scheme?

What Is the Application Process to Avail This Scheme?

What Are the Documents Required to Apply for This Scheme?

3. One Stop Centre Scheme

Who Are the Beneficiaries of This Scheme?

Which Sector Does This Scheme Target?

What Is the Eligibility Criteria to Avail the Benefits of This Scheme?

What Is the Application Process to Avail This Scheme?

4. Women Helpline Scheme

Who Are the Beneficiaries of This Scheme?

Which Sector Does This Scheme Target?

What Is the Eligibility Criteria to Avail the Benefits of This Scheme?

What Is the Application Process to Avail This Scheme?

Which Sector Does This Scheme Target?

What Is the Eligibility Criteria to Avail the Benefits of This Scheme?

What Is the Application Process to Avail This Scheme?

What Are the Documents Required to Apply for This Scheme?

6. Mahila Police Volunteers

Who Are the Beneficiaries of This Scheme?

Which Sector Does This Scheme Target?