Many people have an e-Shram card but are unaware of the vast range of benefits the government provides through it. The Government of India is offering the direct benefits of over 30 schemes and bumper advantages to e-Shram card holders. If you have this card, it’s crucial to know what you are entitled to and how to claim these benefits. This article will detail the various social security and employment schemes you can access directly through the official e-Shram portal.
Accessing Your Benefits on the e-Shram Portal
You might not realize what you can get with your e-Shram card, but the government offers significant bumper benefits. You can verify all this information directly on the official government portal.
- First, search for “e-Shram card” in Google.
- Click on the official e-Shram portal link.
- On the homepage, you will find a “Schemes” option. Click on it.
- Here, you will see a list of Social Security Schemes and other programs available to you.
Major Social Security Schemes
The e-Shram card is your gateway to numerous social security schemes. These programs are exclusively for those who have an e-Shram card.
- Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM): e-Shram card holders are eligible for a monthly pension of ₹3,000 after reaching the age of 60. To apply, you must be between 18 and 40 years old with a monthly income of less than ₹15,000.
- Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): This scheme provides a life insurance cover of ₹2 lakh to your family in case of your death due to any reason. The annual premium is only ₹436. Eligibility requires being an Indian citizen between 18 and 50 years of age with a savings bank account.
- Pradhan Mantri Suraksha Bima Yojana (PMSBY): This is an accident insurance scheme. For an annual premium of just ₹20, you get coverage for accidental death or disability. In case of death or total permanent disability, your family receives ₹2 lakh. For partial disability, the benefit is ₹1 lakh. This is available to Indian citizens aged 18 to 70 with a bank account.
- Atal Pension Yojana (APY): Cardholders can receive a monthly pension ranging from ₹1,000 to ₹5,000. To be eligible, you must be an Indian citizen between 18 and 40 years old with an Aadhaar-linked bank account. If the beneficiary passes away, their spouse will continue to receive the pension.
- Pradhan Mantri Awas Yojana – Gramin (PMAY-G): If you have an e-Shram card and have applied for the PMAY-G, the government provides financial assistance of ₹1,20,000 to build a house.
- Pradhan Mantri Jan Arogya Yojana (Ayushman Bharat): The e-Shram card acts as a golden ticket for this scheme. It allows you and your family to receive free medical treatment up to ₹5 lakh.
- Public Distribution System (Ration): e-Shram card holders are entitled to receive free rations. This includes either 35 kg of rice or wheat per family or 5 kg per person each month.
Employment and Livelihood Schemes
The government also offers several schemes focused on providing employment and supporting self-reliance for e-Shram card holders.
- Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA): e-Shram card holders can get a MGNREGA job card, which entitles their household to 100 days of guaranteed wage employment in a financial year. You must be over 18 and a resident of the village. This ensures you get work within 15 days of applying. Workers should perform the work themselves and claim their full wages, rather than allowing malpractices where work is done by machines.
- Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY): This scheme focuses on providing skill training to rural youth, making them eligible for various jobs in different sectors.
- Garib Kalyan Rojgar Yojana: This scheme aims to provide employment for 125 days.
- Deendayal Antyodaya Yojana: This is another scheme available to cardholders, which you can apply for directly through the portal.
- Schemes for Self-Employment: The Pradhan Mantri Svanidhi Yojana, Pradhan Mantri Mudra Yojana, and Pradhan Mantri Vishwakarma Yojana provide financial assistance for workers who want to start their own small business. The government offers funds of up to ₹1 lakh, ₹500, and ₹3 lakh respectively through these schemes.
- Pradhan Mantri Kaushal Vikas Yojana (PMKVY): This scheme offers skill development for the children of e-Shram card holders who have passed the 10th or 12th grade, helping them become employable.
- Prime Minister’s Employment Generation Programme (PMEGP): Under this scheme, you can get financial assistance of up to ₹1 lakh to start a venture.
Other Key Benefits
Beyond these major schemes, the e-Shram card provides access to a wide variety of other benefits, including:
- Financial assistance for purchasing a bicycle or a sewing machine.
- Assistance for purchasing a scooty.
- Scholarships for children’s education.
- Financial aid for funeral expenses (Antyeshti Sahayata).
Essentially, almost every government benefit is routed to deserving citizens through the e-Shram card. You can apply for these schemes by clicking the “Site Visit Kare” (Visit Site) button next to each scheme on the portal, which will take you directly to the application page. If you do not have an e-Shram card yet, you can easily apply for one online from your mobile phone.
