Introduction
The Indian government has launched the E-Shram Card to provide financial and social security benefits to unorganized sector workers. One of the significant benefits includes receiving ₹3000 per month under certain schemes. This article explains the eligibility, registration process, and methods to avail of the financial assistance in a structured and easy-to-understand manner.
ಇದನ್ನು ಓದಿ:ಈ ಆ್ಯಪ್ ಮೂಲಕ ಸಿಗಲಿದೆ ₹10,000 ತಕ್ಷಣದ ಸಾಲ – ಇಂದೇ ಅರ್ಜಿ ಸಲ್ಲಿಸಿ!
Understanding the E-Shram Card
The E-Shram Card is an initiative by the Ministry of Labour and Employment aimed at workers in the unorganized sector. It helps in providing benefits like insurance, pension, and other government schemes. This card also acts as a database for the government to develop welfare programs.
Eligibility for E-Shram Card
To apply for the E-Shram Card, individuals must meet the following criteria:
- Age: Between 16 to 59 years.
- Occupation: Must be an unorganized worker (e.g., daily wage laborers, construction workers, street vendors, domestic helpers, rickshaw pullers, etc.).
- Income: There is no strict income cap, but applicants should belong to the economically weaker section.
- Employment Type: Should not be a taxpayer or part of EPFO (Employees’ Provident Fund Organisation) or ESIC (Employees’ State Insurance Corporation).
- Documents Required:
- Aadhaar Card
- Mobile number linked with Aadhaar
- Bank Account Details
- Ration Card (if applicable)
- Aadhaar Card
How to Apply for an E-Shram Card
Follow these steps to register for an E-Shram Card:
- Visit the Official E-Shram Portal: Go to https://eshram.gov.in.
- Click on ‘Register on E-Shram’: This will take you to the self-registration page.
- Enter Your Aadhaar Number: Provide your Aadhaar-linked mobile number for OTP verification.
- Fill in Your Personal Details: Name, date of birth, address, occupation, and other relevant details.
- Upload Required Documents: Ensure that your bank details and identification proofs are correctly uploaded.
- Submit the Form and Receive the UAN (Universal Account Number): Once verified, you will get a UAN which will act as your unique ID for E-Shram benefits.
How to Get ₹3000 Every Month?
The Pradhan Mantri Shram Yogi Maandhan Yojana (PMSYM) provides a monthly pension of ₹3000 to eligible unorganized sector workers. Here’s how you can apply and qualify:
Eligibility for PMSYM
- Must be between 18 to 40 years old.
- Monthly income should be less than ₹15,000.
- Must not be covered under EPFO, ESIC, or NPS.
- Must have an E-Shram Card and also a bank account for payment.
How to Apply for PMSYM?
- Visit the CSC (Common Service Center): Locate your nearest CSC center or register online at https://maandhan.in.
- Fill in Your Personal Details: Provide Aadhaar details, mobile number, and bank account.
- Select Your Contribution Amount: The contribution depends on your age. For example, if you start at 18, you pay ₹55 per month, and the government contributes the same.
- Submit the Application: Upon approval, you will receive a pension card.
- Receive ₹3000 Pension at 60 Years: After reaching 60, you will receive ₹3000 per month directly into your bank account.
Other Benefits of E-Shram Card
- Accidental Insurance:
- Death Coverage: Up to ₹2 lakh.
- Partial Disability: Up to ₹1 lakh.
- Death Coverage: Up to ₹2 lakh.
- Financial Assistance for Education: Government provides scholarships for workers’ children.
- Healthcare Benefits: Access to ESIC hospitals and government health programs.
- Skill Development Programs: Free training to improve employment opportunities.
- Maternity Benefits: Pregnant women can avail financial assistance.
Frequently Asked Questions (FAQs)
1. Can I apply for an E-Shram Card if I already have EPFO?
- No, workers covered under EPFO or ESIC are not eligible for an E-Shram Card.
2. Is there a fee to register for an E-Shram Card? Or any charges applicable..?
- No, registration is completely free.
3. How long does it take to receive the pension after applying for PMSYM?
- Pension benefits start after the age of 60.
4. Can I withdraw my contributions before 60?
- Yes, but partial withdrawals may result in lower benefits.
5. What happens if I miss a PMSYM contribution?
- If you miss a payment, you can recontinue by paying the pending amount.
Conclusion
The E-Shram Card is a powerful tool for the financial and social upliftment of unorganized sector workers. By registering and enrolling in the PMSYM scheme, eligible workers can secure a monthly pension of ₹3000 after retirement. The process is straightforward and requires minimal documentation. If you are a daily wage worker or part of the informal workforce, registering for an E-Shram Card today can provide long-term benefits for you and your family.
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