Social Security, Retirement & Pension Schemes 2026: UPSC EPFO APFC Complete Guide

Social Security, Retirement and Pension Schemes play an important role in providing financial stability to individuals during old age, retirement, disability, or other periods of financial vulnerability. In India, the government has introduced several schemes aimed at ensuring income security, promoting retirement savings, and extending social protection to different sections of society.

For UPSC EPFO aspirants, understanding these schemes is important from both an examination and policy perspective. Questions can be asked about the objectives, eligibility, benefits, contribution structure, implementing agencies, and key features of various social security and pension schemes.

This article provides a complete overview of Social Security, Retirement and Pension Schemes 2026, covering major schemes and their important features in a simple, exam-oriented format. It will help aspirants build a strong understanding of India’s social security framework and revise important facts for UPSC EPFO and other competitive examinations.

Social Security, Retirement & Pension Schemes 2026: UPSC EPFO APFC Complete Guide

1. Pradhan Mantri Shram Yogi Maan-Dhan Yojana (PM-SYM): Eligibility, Contributions and Benefits

The Pradhan Mantri Shram Yogi Maan-Dhan Yojana (PM-SYM) is a voluntary and contributory pension scheme designed for eligible workers in the unorganised sector. Under the scheme, beneficiaries make a monthly contribution based on their age at entry, while the Central Government provides an equal matching contribution.

The scheme provides an assured monthly pension of ₹3,000 after the beneficiary attains the age of 60 years. In case of the beneficiary’s death, the spouse is entitled to receive 50% of the monthly pension.

Pradhan Mantri Shram Yogi Maan-Dhan Yojana (PM-SYM): Key Highlights

Particular	Details
Scheme Name	Pradhan Mantri Shram Yogi Maan-Dhan Yojana (PM-SYM)
Type	Voluntary and contributory pension scheme
Target Beneficiaries	Unorganised Workers
Entry Age	18–40 years
Monthly Income Limit	Below ₹15,000
Monthly Contribution	₹55 to ₹200
Government Contribution	Equal matching contribution
Assured Pension	₹3,000 per month after attaining 60 years
Spouse Pension	50% of monthly pension

What is Pradhan Mantri Shram Yogi Maan-Dhan Yojana?

The Pradhan Mantri Shram Yogi Maan-Dhan Yojana (PM-SYM) is a pension scheme based on contributions from eligible beneficiaries and the Central Government.

The monthly contribution ranges from ₹55 to ₹200, depending on the entry age of the beneficiary. Under the scheme, 50% of the monthly contribution is paid by the beneficiary, while the Central Government makes an equal matching contribution.

This contribution-based structure helps eligible unorganised workers build a pension benefit for their old age.

PM-SYM Eligibility

To become a beneficiary under the Pradhan Mantri Shram Yogi Maan-Dhan Yojana, an individual should meet the eligibility conditions given below:

• The person should be an Indian citizen.
• The person should be an unorganised worker.
• The age should be between 18 and 40 years.
• The monthly income should be below ₹15,000.
• The person should not be a member of EPFO, ESIC or NPS (Government funded).

Who Are Covered Under Unorganised Workers?

The scheme covers unorganised workers engaged in occupations such as:

• Street vending
• Agriculture-related work
• Construction work
• Leather industry
• Handloom work
• Mid-day meal work
• Rickshaw or auto-wheelers
• Rag picking
• Carpentry
• Fishing
• Other similar unorganised-sector occupations

PM-SYM Monthly Contribution

The monthly contribution under PM-SYM depends on the entry age of the beneficiary.

The contribution ranges from ₹55 to ₹200 per month.

The contribution is shared between the beneficiary and the Central Government:

• 50% of the monthly contribution is payable by the beneficiary.
• The Central Government provides an equal matching contribution.

Thus, the government contributes an amount equal to the beneficiary’s contribution.

PM-SYM Benefits

The Pradhan Mantri Shram Yogi Maan-Dhan Yojana provides an assured pension after the beneficiary reaches the specified age.

₹3,000 Monthly Assured Pension

After attaining the age of 60 years, beneficiaries are entitled to receive an assured monthly pension of ₹3,000.

This provides financial support during old age to eligible workers who have contributed to the scheme.

Pension Benefit for Spouse

In the event of the death of the beneficiary, the spouse is eligible to receive 50% of the monthly pension.

Therefore, the spouse can receive 50% of the pension amount as a family pension benefit.

Joint Pension for Husband and Wife

If both husband and wife join the scheme, they can together receive a monthly pension of ₹6,000 after attaining the applicable age.

This is because each beneficiary is entitled to an assured monthly pension of ₹3,000.

PM-SYM: Contribution and Pension at a Glance

Feature	Details
Entry Age	18–40 years
Monthly Contribution	₹55–₹200
Beneficiary Contribution	50%
Central Government Contribution	Equal matching contribution
Pension Age	60 years
Assured Monthly Pension	₹3,000
Spouse Pension After Beneficiary’s Death	50% of monthly pension
Joint Pension for Husband and Wife	₹6,000 per month

How Does PM-SYM Help Unorganised Workers?

Workers in the unorganised sector may not have access to regular employer-sponsored pension benefits. PM-SYM provides an avenue for eligible workers to contribute towards a pension while receiving an equal matching contribution from the Central Government.

The scheme is particularly relevant for workers such as street vendors, construction workers, agricultural workers, fishermen, carpenters, rickshaw and auto workers, and others working in the unorganised sector.

2. National Pension Scheme for Traders and The Self-employed Persons (NPS): Eligibility, Contribution and Benefits

The National Pension Scheme for Traders and The Self-employed Persons (NPS) is a voluntary and contributory pension scheme designed for eligible traders and self-employed persons. Under the scheme, beneficiaries make a monthly contribution based on their age at entry, while the Central Government provides an equal matching contribution.

The scheme is aimed at providing pension support to eligible shopkeepers, small traders, restaurant and hotel owners, real estate brokers, and other self-employed persons.

National Pension Scheme for Traders and Self-employed Persons: Key Highlights

Particular	Details
Scheme Name	National Pension Scheme for Traders and The Self-employed Persons (NPS)
Type	Voluntary and contributory pension scheme
Target Beneficiaries	Traders and self-employed persons
Entry Age	18–40 years
Monthly Contribution	₹55–₹200
Beneficiary Contribution	50% of monthly contribution
Government Contribution	Equal matching contribution
EPFO/ESIC/PM-SYM	Applicant should not be covered
Annual Turnover Limit	Not more than ₹1.5 crore

What is the National Pension Scheme for Traders and Self-employed Persons?

The National Pension Scheme for Traders and The Self-employed Persons is a voluntary and contributory pension scheme for eligible traders and self-employed individuals.

The monthly contribution ranges from ₹55 to ₹200, depending on the beneficiary’s age at the time of entry into the scheme.

Under the scheme:

• 50% of the monthly contribution is payable by the beneficiary.
• The Central Government provides an equal matching contribution.

This contribution-based structure is intended to provide pension support to eligible traders and self-employed persons.

Eligibility for the National Pension Scheme

Applicants must meet the specified eligibility conditions to join the scheme.

Citizenship

The applicant should be an Indian citizen.

Age

The applicant should be between 18 and 40 years of age.

Who Can Apply?

The scheme covers traders and self-employed persons such as:

• Shopkeepers
• Owners of petty or small shops
• Restaurant owners
• Hotel owners
• Real estate brokers
• Other eligible traders and self-employed persons

EPFO, ESIC and PM-SYM Coverage

The applicant should not be covered under EPFO, ESIC or PM-SYM.

Annual Turnover

The annual turnover of the business should be not more than ₹1.5 crore.

Monthly Contribution

The monthly contribution under the scheme ranges from ₹55 to ₹200, depending upon the entry age of the beneficiary.

The contribution is shared equally between the beneficiary and the Central Government.

Contribution	Details
Total Monthly Contribution	₹55–₹200
Beneficiary’s Share	50%
Central Government’s Share	Equal matching contribution
Contribution Basis	Entry age of beneficiary

Benefits of the Scheme

The National Pension Scheme for Traders and The Self-employed Persons provides a structured contribution-based pension mechanism for eligible traders and self-employed individuals.

The Central Government’s equal matching contribution reduces the contribution burden on beneficiaries and supports their long-term pension planning.

The scheme is particularly relevant for small traders and self-employed persons who may not otherwise have access to regular pension benefits through formal employment.

National Pension Scheme for Traders: Key Points

• It is a voluntary and contributory pension scheme.
• The scheme is intended for traders and self-employed persons.
• The eligible age group is 18–40 years.
• Monthly contribution ranges from ₹55 to ₹200.
• The beneficiary contributes 50% of the monthly contribution.
• The Central Government makes an equal matching contribution.
• Applicants should not be covered under EPFO, ESIC or PM-SYM.
• Eligible businesses should have an annual turnover of not more than ₹1.5 crore.

3. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): Eligibility, Benefits and Premium

The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a life insurance scheme designed to provide financial protection to eligible beneficiaries. The scheme provides a ₹2 lakh insurance cover in case of death due to any cause.

Eligible individuals can enrol in the scheme through their bank account, with the premium paid through auto-debit from the bank account with the account holder’s consent.

PMJJBY: Key Highlights

Particular	Details
Scheme Name	Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
Type	Life Insurance Scheme
Eligibility Age	18–50 years
Citizenship	Indian Citizen
Bank Account	Jan Dhan or Savings Bank Account with Aadhaar
Insurance Cover	₹2 lakh
Cause of Death	Death due to any cause
Annual Premium	₹436
Premium Payment	Auto-debit from bank account with consent

What is Pradhan Mantri Jeevan Jyoti Bima Yojana?

The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) provides life insurance coverage to eligible individuals at an annual premium of ₹436.

Under the scheme, the nominee is entitled to receive ₹2 lakh on the death of the insured person due to any cause, subject to the applicable scheme conditions.

PMJJBY Eligibility

To be eligible for the Pradhan Mantri Jeevan Jyoti Bima Yojana, an applicant must meet the following conditions:

• The applicant should be an Indian citizen.
• The applicant should be in the age group of 18 to 50 years.
• The applicant should have a Jan Dhan or savings bank account with Aadhaar.
• The premium should be paid through auto-debit from the bank account with the account holder’s consent.

PMJJBY Benefits

₹2 Lakh Life Insurance Cover

The major benefit of PMJJBY is an insurance payout of ₹2 lakh on death due to any cause.

This provides financial support to the nominee or family of the insured person.

Annual Premium of ₹436

The annual premium under the scheme is ₹436.

The premium is paid through auto-debit from the bank account, subject to the account holder’s consent.

PMJJBY at a Glance

Feature	Details
Age Group	18–50 years
Insurance Cover	₹2 lakh
Annual Premium	₹436
Death Benefit	₹2 lakh on death due to any cause
Account Requirement	Jan Dhan or Savings Bank Account with Aadhaar
Premium Payment	Auto-debit with consent

4. Pradhan Mantri Suraksha Bima Yojana (PMSBY): Eligibility, Benefits and Premium

The Pradhan Mantri Suraksha Bima Yojana (PMSBY) is an accident insurance scheme that provides financial protection against accidental death and disability. Eligible individuals can enrol in the scheme through their bank account and pay an annual premium of ₹20.

Under the scheme, the risk coverage is ₹2 lakh for accidental death and full disability, while ₹1 lakh is provided for partial disability.

PMSBY: Key Highlights

Particular	Details
Scheme Name	Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Type	Accident Insurance Scheme
Eligibility Age	18–70 years
Citizenship	Indian Citizen
Bank Account	Jan Dhan or Savings Bank Account with Aadhaar
Accidental Death Cover	₹2 lakh
Full Disability Cover	₹2 lakh
Partial Disability Cover	₹1 lakh
Annual Premium	₹20
Premium Payment	Auto-debit from bank account with consent

What is Pradhan Mantri Suraksha Bima Yojana?

The Pradhan Mantri Suraksha Bima Yojana (PMSBY) provides insurance coverage against accidental death and disability to eligible individuals.

The scheme offers financial protection at an annual premium of ₹20, making it an affordable accident insurance option for eligible account holders.

PMSBY Eligibility

To be eligible for the Pradhan Mantri Suraksha Bima Yojana, an individual must meet the following conditions:

• The applicant should be an Indian citizen.
• The applicant should be in the age group of 18 to 70 years.
• The applicant should have a Jan Dhan or savings bank account with Aadhaar.
• The premium should be paid through auto-debit from the bank account with the account holder’s consent.

PMSBY Benefits

The scheme provides different levels of coverage depending on the nature of the accident.

₹2 Lakh for Accidental Death

In case of accidental death, the scheme provides a risk cover of ₹2 lakh.

₹2 Lakh for Full Disability

The risk coverage is ₹2 lakh for full disability resulting from an accident.

₹1 Lakh for Partial Disability

In case of partial disability, the scheme provides risk coverage of ₹1 lakh.

PMSBY Premium

The annual premium for the scheme is ₹20.

The premium is paid through auto-debit from the bank account, subject to the account holder’s consent.

PMSBY Benefits at a Glance

Benefit	Coverage
Accidental Death	₹2 lakh
Full Disability	₹2 lakh
Partial Disability	₹1 lakh
Annual Premium	₹20

PMSBY Eligibility and Premium at a Glance

Feature	Details
Age Group	18–70 years
Eligibility	Indian Citizen
Account Requirement	Jan Dhan or Savings Bank Account with Aadhaar
Annual Premium	₹20
Payment Method	Auto-debit with consent
Accidental Death Cover	₹2 lakh
Full Disability Cover	₹2 lakh
Partial Disability Cover	₹1 lakh

5. Atal Pension Yojana (APY): Eligibility, Benefits and Pension Amount

The Atal Pension Yojana (APY) is a pension scheme designed to provide financial security to eligible Indian citizens during their retirement years. Under the scheme, eligible contributors can choose a pension amount according to their requirements.

The scheme allows the contributor to choose a pension of ₹1,000 to ₹5,000. After the contributor’s death, the accumulated pension amount is provided to the spouse, and if the spouse is also deceased, it is given to the nominee.

Atal Pension Yojana: Key Highlights

Particular	Details
Scheme Name	Atal Pension Yojana (APY)
Type	Pension Scheme
Eligibility	Indian Citizen
Age Group	18–40 years
Bank Account	Bank Account linked with Aadhaar
Pension Amount	₹1,000–₹5,000
Pension Choice	Contributor can choose the pension amount
After Death	Accumulated amount goes to spouse
Nominee	Receives accumulated amount if spouse is also deceased

What is Atal Pension Yojana?

The Atal Pension Yojana provides an opportunity for eligible individuals to build a pension for their future. The contributor can select the desired pension amount from ₹1,000 to ₹5,000.

The scheme also provides a provision for transferring the accumulated amount after the contributor’s death to the spouse or, if the spouse is also deceased, to the nominee.

Atal Pension Yojana Eligibility

To be eligible for the Atal Pension Yojana, an applicant should meet the following conditions:

• The applicant should be an Indian citizen.
• The applicant should be between 18 and 40 years of age.
• The applicant should have a bank account linked with Aadhaar.

Atal Pension Yojana Benefits

Pension of ₹1,000 to ₹5,000

The contributor can choose a pension amount according to their requirement.

The available pension options are:

• ₹1,000
• ₹2,000
• ₹3,000
• ₹4,000
• ₹5,000

The contributor can choose the pension amount under the scheme.

Benefit After the Contributor’s Death

After the death of the contributor, the accumulated sum of the pension is given to the spouse.

If the spouse is also deceased, the accumulated amount is given to the nominee.

Atal Pension Yojana at a Glance

Feature	Details
Age Group	18–40 years
Citizenship	Indian Citizen
Bank Account	Aadhaar-linked bank account
Pension Options	₹1,000–₹5,000
Post-Death Benefit	Accumulated amount to spouse
Nominee Benefit	Accumulated amount if spouse is also deceased

Why is Atal Pension Yojana Important?

The Atal Pension Yojana provides a structured way for eligible individuals to plan for their financial needs after their working years. The ability to select a pension amount allows contributors to choose according to their requirements.

The provision for transferring the accumulated amount to the spouse or nominee also provides financial support to the contributor’s family.

6. Public Distribution System (PDS): Eligibility, Benefits and One Nation One Ration Card

The Public Distribution System (PDS) is a food security mechanism designed to provide essential food grains to eligible households. The system supports economically vulnerable families by providing food grains at subsidised rates.

The scheme also supports the One Nation One Ration Card (ONORC) initiative, enabling eligible migrant workers to access their entitled food grains at their place of work.

PDS: Key Highlights

Particular	Details
Scheme Name	Public Distribution System (PDS)
Eligibility	Indian Citizen
Target Beneficiaries	Families below the poverty line and eligible households
Food Grain Benefit	35 kg rice or wheat per month
Above Poverty Line Household	15 kg food grain per month
Portability	Implemented as One Nation One Ration Card (ONORC)
Migrant Workers	Can receive food grains wherever they are working

What is the Public Distribution System (PDS)?

The Public Distribution System (PDS) provides food grains to eligible households through the country’s ration distribution network.

It aims to ensure that vulnerable households have access to essential food grains. The system also enables portability through One Nation One Ration Card (ONORC), which is particularly useful for migrant workers who move from one location to another for employment.

PDS Eligibility

According to the provided information, the following categories are eligible:

• The applicant should be an Indian citizen.
• Families below the poverty line are eligible.
• Families that do not have a member between 15 and 59 years of age are eligible.
• Families having a disabled member are also eligible to avail benefits under Pradhan Mantri Awas Gramin Yojana, as stated in the provided source.
• Families that do not have a permanent job and are engaged only in casual labour are eligible.

PDS Benefits

35 kg of Rice or Wheat

Eligible households can receive 35 kg of rice or wheat every month.

A household above the poverty line is entitled to 15 kg of food grain per month, according to the provided information.

One Nation One Ration Card (ONORC)

The PDS is being implemented through One Nation One Ration Card (ONORC) to provide greater portability of food grain benefits.

Under this system, migrant workers can receive their entitled food grains wherever they are working.

This portability is particularly important for workers who move between states or locations for employment.

PDS Benefits at a Glance

Benefit	Details
Below Poverty Line Household	35 kg rice or wheat every month
Above Poverty Line Household	15 kg food grain every month
Migrant Workers	Can receive food grains wherever they are working
Portability System	One Nation One Ration Card (ONORC)

Why is PDS Important?

The Public Distribution System plays an important role in providing food security to eligible households. By making food grains available through the ration distribution network, it supports families that may face financial difficulties in purchasing essential food items.

The ONORC initiative further improves accessibility by allowing eligible beneficiaries, particularly migrant workers, to access their food grain entitlements even when they are away from their home location.

7. Pradhan Mantri Awaas Yojana – Gramin (PMAY-G): Eligibility and Benefits

The Pradhan Mantri Awaas Yojana – Gramin (PMAY-G) is a rural housing scheme aimed at providing financial assistance to eligible families for constructing houses. The scheme focuses on supporting families that meet the prescribed eligibility conditions and do not have adequate housing or stable employment.

PMAY-G: Key Highlights

Particular	Details
Scheme Name	Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)
Type	Rural Housing Scheme
Eligibility	Indian Citizen
Target Beneficiaries	Eligible rural families
Assistance in Plain Areas	₹1.20 lakh
Assistance in Hilly Areas	₹1.30 lakh

What is Pradhan Mantri Awaas Yojana – Gramin?

The Pradhan Mantri Awaas Yojana – Gramin (PMAY-G) provides financial assistance to eligible beneficiaries for the construction of houses in rural areas.

The scheme is particularly aimed at supporting families that meet the specified eligibility criteria, including families with disabled members and those dependent on casual labour.

PMAY-G Eligibility

According to the provided information, the following categories are eligible:

• The applicant should be an Indian citizen.
• Families, including workers, that do not have a member between 15 and 59 years of age are eligible.
• Families having a disabled member are also eligible to avail benefits under PMAY-G.
• Families that do not have a permanent job and are engaged only in casual labour are eligible.

PMAY-G Benefits

₹1.20 Lakh Assistance in Plain Areas

Beneficiaries in plain areas receive financial assistance of ₹1.20 lakh for housing construction.

₹1.30 Lakh Assistance in Hilly Areas

Beneficiaries in hilly areas receive financial assistance of ₹1.30 lakh.

PMAY-G Assistance at a Glance

Area	Housing Assistance
Plain Areas	₹1.20 lakh
Hilly Areas	₹1.30 lakh

Who Can Benefit from PMAY-G?

The scheme is intended to support eligible rural families, particularly those facing economic and employment-related challenges. Families without a member in the specified working-age group, families with a disabled member, and families dependent on casual labour are among the categories mentioned in the provided eligibility criteria.

8. National Social Assistance Programme (NSAP): Eligibility and Benefits

The National Social Assistance Programme (NSAP) is a social assistance programme focused on providing financial support to eligible beneficiaries, including old-age protection. The programme provides a central contribution, while the overall monthly pension may vary depending on the contribution made by the respective state government.

NSAP: Key Highlights

Particular	Details
Scheme Name	National Social Assistance Programme (NSAP)
Purpose	Old Age Protection
Eligibility	Indian Citizen
Target Beneficiaries	Persons with little or no regular means of subsistence
Central Contribution	₹300–₹500 for different age groups
Monthly Pension	₹1,000–₹3,000
State Contribution	Varies according to the state

What is the National Social Assistance Programme?

The National Social Assistance Programme (NSAP) provides social assistance to eligible individuals who have little or no regular means of subsistence from their own income or through financial support from family members or other sources.

The programme provides a central contribution ranging from ₹300 to ₹500 for different age groups. The total monthly pension can range from ₹1,000 to ₹3,000, depending upon the contribution provided by the respective state government.

NSAP Eligibility

According to the provided information, an applicant should meet the following condition:

• The applicant should be an Indian citizen.
• The person should have little or no regular means of subsistence from their own source of income.
• The person should also have little or no financial support from family members or other sources.

NSAP Benefits

Central Government Contribution

The Central Government provides a contribution ranging from ₹300 to ₹500, depending upon the age group of the beneficiary.

Monthly Pension

The total monthly pension ranges from ₹1,000 to ₹3,000, depending upon the contribution provided by the respective state government.

NSAP Benefits at a Glance

Benefit	Details
Central Contribution	₹300–₹500
Monthly Pension	₹1,000–₹3,000
State Contribution	Depends on the state
Purpose	Old Age Protection

Why is NSAP Important?

The National Social Assistance Programme provides financial assistance to individuals who have limited or no regular means of subsistence. By combining the Central Government contribution with the contribution of state governments, the programme provides monthly pension support to eligible beneficiaries.

9. Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY): Eligibility and Benefits

The Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is a healthcare scheme that provides financial protection to eligible families by offering health coverage for secondary and tertiary care hospitalization.

Under the scheme, eligible families can receive health coverage of ₹5 lakh per family per year for hospitalization.

AB-PMJAY: Key Highlights

Particular	Details
Scheme Name	Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)
Type	Health Coverage Scheme
Target Beneficiaries	Eligible households
Health Coverage	₹5 lakh per family per year
Coverage	Secondary and tertiary care hospitalization
Cost	Free of cost

What is Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana?

The Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) provides health coverage to eligible families for secondary and tertiary care hospitalization.

The scheme provides coverage of ₹5 lakh per family per year, helping eligible families access hospitalization services without having to bear the covered treatment costs.

AB-PMJAY Eligibility

According to the provided information, the following categories are eligible:

• Households belonging to Scheduled Caste (SC) and Scheduled Tribe (ST) categories.
• Families with no male member between 16 and 59 years of age.
• Beggars and those surviving on alms.

AB-PMJAY Benefits

₹5 Lakh Health Coverage

Eligible families receive health coverage of ₹5 lakh per family per year.

Secondary and Tertiary Hospitalization

The coverage is provided for secondary and tertiary care hospitalization.

Free-of-Cost Hospitalization

The covered hospitalization services are provided free of cost to eligible beneficiaries under the scheme.

AB-PMJAY Benefits at a Glance

Benefit	Details
Health Coverage	₹5 lakh per family per year
Coverage Type	Secondary and tertiary care hospitalization
Cost	Free of cost

Why is AB-PMJAY Important?

Healthcare expenses can create a significant financial burden for economically vulnerable families. AB-PMJAY provides eligible families with health coverage for secondary and tertiary care hospitalization, helping them access covered healthcare services without paying the covered hospitalization expenses.

10. Health Insurance Scheme for Weavers (HIS): Eligibility, Benefits and Coverage

The Health Insurance Scheme for Weavers (HIS) is designed to provide health insurance coverage to eligible handloom weavers. The scheme covers weavers who earn a significant portion of their income through handloom weaving, with both male and female weavers eligible for coverage.

Health Insurance Scheme for Weavers: Key Highlights

Particular	Details
Scheme Name	Health Insurance Scheme for Weavers (HIS)
Eligibility	Indian Citizen
Income from Handloom Weaving	At least 50% of total income
Eligible Weavers	Male and Female
Health Package	₹15,000
Coverage	Pre-existing and new diseases

What is the Health Insurance Scheme for Weavers?

The Health Insurance Scheme for Weavers (HIS) provides health insurance benefits to eligible handloom weavers. Both male and female weavers can be covered under the scheme, provided they meet the eligibility requirements.

The beneficiaries can avail a health package of ₹15,000, which includes coverage for pre-existing diseases as well as new diseases.

Health Insurance Scheme for Weavers Eligibility

According to the provided information, an applicant must meet the following conditions:

• The applicant should be an Indian citizen.
• The weaver should earn at least 50% of their income from handloom weaving.
• All weavers, whether male or female, are eligible to be covered under the Health Insurance Scheme.

Benefits Under Health Insurance Scheme for Weavers

The beneficiaries are entitled to a health package of ₹15,000. The provided medical coverage is divided according to different medical conditions and services.

Maternity Benefits

Maternity benefits are available per child for the first two children, with coverage of ₹2,500.

Eye Treatment

The scheme provides ₹75 for eye treatment.

Spectacles

Coverage of ₹250 is provided for spectacles.

Domiciliary Hospitalisation

The scheme provides ₹4,000 for domiciliary hospitalisation.

Ayurvedic, Unnani, Homeopathic and Siddha Treatment

Coverage of ₹4,000 is provided for:

• Ayurvedic treatment
• Unnani treatment
• Homeopathic treatment
• Siddha treatment

Hospitalisation

Hospitalisation, including pre- and post-hospitalisation, is covered up to ₹15,000.

Baby Coverage

The scheme provides ₹500 for baby coverage.

OPD and Limit Per Illness

The scheme provides ₹7,500 for OPD and the limit per illness, according to the provided information.

Health Insurance Scheme for Weavers: Benefits at a Glance

Medical Benefit	Coverage
Maternity Benefits	₹2,500 per child for first two children
Eye Treatment	₹75
Spectacles	₹250
Domiciliary Hospitalisation	₹4,000
Ayurvedic/Unnani/Homeopathic/Siddha	₹4,000
Hospitalisation (including pre and post)	₹15,000
Baby Coverage	₹500
OPD and Limit Per Illness	₹7,500
Health Package	₹15,000

Who Can Benefit from the Scheme?

The scheme is intended for handloom weavers who meet the prescribed eligibility requirements. A key condition is that the weaver should earn at least 50% of their income from handloom weaving.

Both male and female weavers can be covered under the scheme.

11. Pradhan Mantri Kisan Maandhan Yojana (PM-KMY): Eligibility, Benefits and Pension

The Pradhan Mantri Kisan Maandhan Yojana (PM-KMY) is a voluntary and contributory pension scheme designed for small and marginal farmers. The scheme provides an assured pension of ₹3,000 per month to eligible beneficiaries.

Under the scheme, the Government of India provides a matching contribution to the farmer’s contribution.

Pradhan Mantri Kisan Maandhan Yojana: Key Highlights

Particular	Details
Scheme Name	Pradhan Mantri Kisan Maandhan Yojana
Type	Voluntary and Contributory Pension Scheme
Target Beneficiaries	Small and Marginal Farmers
Entry Age	18–40 years
Land Holding	Cultivable land up to 2 hectares
Pension	₹3,000 per month
Government Contribution	Matching Contribution

What is Pradhan Mantri Kisan Maandhan Yojana?

The Pradhan Mantri Kisan Maandhan Yojana (PM-KMY) is a pension scheme for small and marginal farmers. It is based on voluntary contributions by eligible farmers, with a matching contribution from the Government of India.

The scheme aims to provide an assured monthly pension of ₹3,000 to eligible beneficiaries.

PM-KMY Eligibility

According to the provided information, an applicant should meet the following conditions:

• The applicant should be an Indian citizen.
• The applicant should be a small or marginal farmer.
• The entry age should be between 18 and 40 years.
• The farmer should have cultivable land up to 2 hectares, as per the land records of the concerned State/UT.

PM-KMY Benefits

₹3,000 Assured Monthly Pension

Eligible beneficiaries receive an assured pension of ₹3,000 per month under the scheme.

Voluntary and Contributory Pension Scheme

PM-KMY is a voluntary and contributory pension scheme, under which eligible farmers participate through contributions.

Matching Contribution by Government

The Government of India provides a matching contribution to the contribution made by the eligible farmer.

PM-KMY Benefits at a Glance

Benefit	Details
Assured Pension	₹3,000 per month
Type of Scheme	Voluntary and Contributory Pension Scheme
Government Contribution	Matching Contribution
Target Group	Small and Marginal Farmers

PM-KMY Eligibility at a Glance

Eligibility Criteria	Details
Citizenship	Indian Citizen
Farmer Category	Small and Marginal Farmers
Entry Age	18–40 years
Cultivable Land	Up to 2 hectares
Land Records	As per records of concerned State/UT

12. National Safai Karamcharis Finance and Development Corporation (NSKFDC): Eligibility and Benefits

The National Safai Karamcharis Finance and Development Corporation (NSKFDC) is focused on providing financial assistance to eligible Safai Karamcharis, manual scavengers, and their dependants. The assistance is intended to support income-generating activities, sanitation-related activities, and education in India and abroad.

NSKFDC: Key Highlights

Particular	Details
Organisation Name	National Safai Karamcharis Finance and Development Corporation (NSKFDC)
Eligibility	Indian Citizen
Target Beneficiaries	Safai Karamcharis and Manual Scavengers
Other Beneficiaries	Dependants of eligible beneficiaries
Financial Assistance Through	SCAs/RRBs/Nationalized Banks
Purpose	Income-generating schemes, sanitation-related activities and education

What is NSKFDC?

The National Safai Karamcharis Finance and Development Corporation (NSKFDC) provides financial assistance to Safai Karamcharis, manual scavengers and their dependants.

The assistance is provided through SCAs, Regional Rural Banks (RRBs), and Nationalized Banks for viable income-generating schemes, including activities related to sanitation.

Financial assistance is also available for education in India and abroad, according to the provided information.

NSKFDC Eligibility

According to the provided information, the eligibility criteria include:

• The applicant should be an Indian citizen.
• The applicant should be involved as a Safai Karamchari or manual scavenger.

The benefits also extend to the dependants of eligible Safai Karamcharis and manual scavengers.

NSKFDC Benefits

Financial Assistance for Income-Generating Activities

The scheme provides financial assistance for viable income-generating schemes.

This can help eligible beneficiaries and their dependants pursue activities that can generate income and support their livelihoods.

Assistance for Sanitation-Related Activities

Financial assistance is also provided for sanitation-related activities.

Education in India and Abroad

The scheme provides financial assistance for education in India and abroad for eligible beneficiaries and their dependants.

How is Financial Assistance Provided?

The financial assistance is provided through:

• SCAs
• Regional Rural Banks (RRBs)
• Nationalized Banks

These channels facilitate assistance for eligible income-generating and educational activities.

NSKFDC Benefits at a Glance

Benefit	Details
Income Generation	Financial assistance for viable income-generating schemes
Sanitation	Assistance for sanitation-related activities
Education	Financial assistance for education in India and abroad
Beneficiaries	Safai Karamcharis, manual scavengers and their dependants
Financial Channels	SCAs, RRBs and Nationalized Banks

13. Self Employment Scheme for Rehabilitation of Manual Scavengers: Eligibility and Benefits

The Self Employment Scheme for Rehabilitation of Manual Scavengers is aimed at supporting the rehabilitation of identified manual scavengers by providing One Time Cash Assistance (OTCA) and free skill training.

The scheme provides eligible manual scavengers with financial assistance and opportunities to acquire skills of their choice through training programmes organised by the National Safai Karmacharis Finance and Development Corporation (NSKFDC).

Self Employment Scheme for Rehabilitation of Manual Scavengers: Key Highlights

Particular	Details
Scheme Name	Self Employment Scheme for Rehabilitation of Manual Scavengers
Eligibility	Indian Citizen
Target Beneficiaries	Identified Manual Scavengers
Cash Assistance	₹40,000 One Time Cash Assistance (OTCA)
Skill Training	Free of cost
Training Beneficiaries	Manual scavengers and their dependents
Monthly Stipend	₹3,000
Training Provider	National Safai Karmacharis Finance and Development Corporation (NSKFDC)

What is the Self Employment Scheme for Rehabilitation of Manual Scavengers?

The Self Employment Scheme for Rehabilitation of Manual Scavengers provides support to identified manual scavengers to help them move towards rehabilitation and self-employment.

Under the scheme, one identified manual scavenger from each family is eligible for One Time Cash Assistance (OTCA) of ₹40,000, or such amount as may be revised from time to time.

In addition to financial assistance, manual scavengers and their dependents are provided free skill training of their choice from the list of training programmes organised by NSKFDC.

Eligibility

According to the provided information, the eligibility criteria are:

• The applicant should be an Indian citizen.
• Identified manual scavengers, one from each family, are eligible for One Time Cash Assistance (OTCA).
• The eligible beneficiary can receive ₹40,000 as One Time Cash Assistance, or such amount as may be revised from time to time.

Benefits Under the Scheme

One Time Cash Assistance of ₹40,000

One identified manual scavenger from each family is eligible for One Time Cash Assistance (OTCA) of ₹40,000.

The amount may be revised from time to time as per the applicable provisions.

Free Skill Training

The manual scavenger and their dependents are provided free-of-cost skill training.

Beneficiaries can choose training from the list of skill-training programmes organised by NSKFDC from time to time.

₹3,000 Monthly Stipend

During the skill training, NSKFDC provides a monthly stipend of ₹3,000.

The stipend may also be revised from time to time.

Benefits at a Glance

Benefit	Details
One Time Cash Assistance (OTCA)	₹40,000
Skill Training	Free of cost
Training Choice	From the list of trainings organised by NSKFDC
Training Beneficiaries	Manual scavenger and dependents
Monthly Stipend	₹3,000
Stipend Provider	NSKFDC

Who Can Receive the Benefits?

The scheme specifically provides benefits to identified manual scavengers, with one person from each family eligible for the One Time Cash Assistance.

The manual scavenger and their dependents can also receive free skill training under the scheme. During the training period, a monthly stipend of ₹3,000 is provided by NSKFDC.