PM Welfare Schemes

1) Pradhan Mantri Laghu Vyapari Maandhan Yojana

Pradhan Mantri Laghu Vyapari Maan-dhan Yojana or National Pension Scheme for Traders and Self Employed Persons Yojana (NPS Traders) is a government scheme meant for old age protection and social security of Small Scale Traders and Retailers. Traders, who are self-employed and are working as shop owners, retail traders, rice mill owners, oil mill owners, workshop owners, commission agents, brokers of real estate, owners of small hotels, restaurants and other Vyaparis with similar occupations whose annual turnover does not exceed Rs 1.5 crore are eligible to get benefit under the scheme.

It is a voluntary and contributory pension scheme under which the subscriber would receive a minimum assured pension of Rs 3000/- per month after attaining the age of 60 years and if the subscriber dies, the spouse of the beneficiary shall be entitled to receive 50% of the pension as family pension. Family pension is applicable only to spouse.

On the maturity of the scheme, an individual will be entitled to obtain a monthly pension of Rs. 3000/-. The pension amount helps pension holders to aid their financial requirements. The scheme is a tribute to the workers in the unorganized sectors who contribute around 50 per cent of the nation's Gross Domestic Product (GDP).

The applicants between the age group of 18 to 40 years will have to make monthly contributions ranging between Rs 55 to Rs 200 per month till they attain the age of 60. Once the applicant attains the age of 60, he/ she can claim the pension amount. Every month a fixed pension amount gets deposited in the pension account of the respective individual.

The scheme was launched in July, 2019. CSC SPV has been chosen as the Enrolment Agency for enrolment of the merchants under this Scheme.

VLE charges: Rs. 30 from the beneficiary for enrolment in the scheme.

Eligibility:

• Self-employed shop owners, retail owners and other traders
• Entry age between 18-40 years
• Annual turnover should not exceed Rs 1.5 crore

Benefits

Benefits to the family on death of an eligible subscriber

During the receipt of pension, if an eligible subscriber dies, his spouse shall be only entitled to receive fifty per cent of the pension received by such eligible subscriber, as family pension and such family pension shall be applicable only to the spouse.

Benefits on disablement

If an eligible subscriber has given regular contributions and become permanently disabled due to any cause before attaining his age of 60 years, and is unable to continue to contribute under this Scheme, his spouse shall be entitled to continue with the Scheme subsequently by payment of regular contribution as applicable or exit the Scheme by receiving the share of contribution deposited by such subscriber, with interest as actually earned thereon by the Pension Fund or the interest at the savings bank interest rate thereon, whichever is higher.

Benefits on Leaving the Pension Scheme

1. In case an eligible subscriber exits this Scheme within a period of less than 10 years from the date of joining the Scheme by him, then the share of contribution by him/her only will be returned to him with savings bank rate of interest payable thereon.
2. If an eligible subscriber exits after completion of a period of 10 years or more from the date of joining the Scheme by him/her but before his age of 60 years, then his/her share of contribution only shall be returned to him/her along with accumulated interest thereon as actually earned by the Pension Fund or the interest at the savings bank interest rate thereon, whichever is higher.
3. If an eligible subscriber has given regular contributions and died due to any cause, his/her spouse shall be entitled to continue with the Scheme subsequently by payment of regular contribution as applicable or exit by receiving the share of contribution paid by such subscriber along with accumulated interest, as actually earned thereon by the Pension Fund or at the savings bank interest rate thereon, whichever is higher
4. After death of subscriber and his/her spouse, corpus shall be credited back to the fund.

2) Pradhan MantriShram Yogi Maandhan Yojana

Government of India in February 2019 introduced a pension scheme for un-organized workers under named of Pradhan Mantri Shram Yogi Maandhan (PM-SYM) to ensure old age protection for Un-organized Workers.The un-organized workers mostly engaged as home based workers, street vendors, landless labourers, own account workers, agricultural workers or other similar occupations with monthly income up-to Rs 15,000/- belonging to age group of 18-40 years are eligible considering that they should not be covered under EPFO and further, he/she should not be an income tax payee.

Role of CSC VLEs in the implementation of this scheme

CSC is IT enables front-end delivery points for Government, private and social sector services to rural citizens of India in an integrated and seamless manner. A CSC is managed by local educated youth providing opportunities for direct and indirect employment. Candidates have to visit the CSC to get the form/information and to apply for the scheme. VLE will enroll the eligible citizen in the PM-SYM scheme through the Digital Seva website.

Benefits

It is a voluntary and contributory pension scheme, under which the subscriber would receive following benefits:

1. Minimum Assured Pension- Each subscriber under PM-SYM shall receive a minimum assured pension of Rs. 3000 per month after attaining the age of 60 years
2. Family Pension- If the subscriber dies during the receipt of pension, 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.
3. Benefit for Spouse- If a beneficiary has given a 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.

3) Pradhan Mantri Kisan Maandhan Yojana

Government of India has introduced a voluntary and contributory pension scheme for landholding Small & Marginal Farmers to provide them social security and a healthy and happy life after they reach their old age. Under this scheme, a monthly pension of Rs 3,000/- will be provided to all eligible Small and Marginal Farmers. Farmers between 18 and 40 years of age are eligible to join the scheme upon payment of monthly contribution between Rs 55 to Rs 200.

Enrolment for the Scheme has started at all Common Service Centres across the country. CSC SPV signed Memorandum of Understanding with the Department of Agriculture & Farmers Welfare in July 2019 for implementation of Pradhan Mantri Kisan Maan-Dhan Yojana through the CSCs across the country. CSCs started enrolment of eligible farmers in the beginning of August 2019.

Details of beneficiary required for the enrolment

• • Aadhaar number
• • Beneficiary Name
• • Mobile Number
• • Date of Birth
• • Bank account details (IFSC Code and Account number)
• • Nominee details

Benefits

• Minimum Assured Pension- On attainment of age of 60 years, the beneficiary is entitled to get an assured minimum pension of Rs 3,000 per month
• Family Pension- If a beneficiary has given a 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) Pradhan Mantri E-Shram Yojana

The Ministry of Labour & Employment (MoLE) has developed and launched E-Shram portal for creating a National Database of 38 crore unorganized workers (NDUW). It is the first-ever national database of unorganized workers including construction workers, migrant workers, gig and platform workers, street vendors, domestic workers, agricultural workers, etc for optimum realization of their employability and extend the benefits of the social security schemes to them.

A 12-digit e-card will be provided to all the registered workers, which will be valid across the country. Through this database, the government will get help in launching various welfare schemes for the workers and their better operation. It will be seeded with Aadhaar. This E Sharam Card will be valid all over India.

Objectives

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.
• • 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/Organizations 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.

Eligibility Criteria

1. Worker age should be between 15-59 years
2. Worker should not be an income tax payer
3. Worker should not be a member of EPFO or ESIC

Details Required For Registration

The following details are to be provided by the workers while registering on this portal -

(i) Name
(ii) Occupation
(iii) Permanent Address
(iv) Educational qualification details
(v) Skill and Experience details
(vi) Family Members Details
(vii) Aadhaar Number
(viii) Must have a valid mobile number linked with Aadhar Card.
(ix) Any bank account number
(x) IFSC code
(xi) Aadhaar Card

E-Shram Yojana through CSCs
Candidates who want to apply for E-Shram portal Registration can apply through their nearest Common Services Centres (CSC). The CSCs all over the country facilitated the unorganized workers to get registered on E-Shram Portal. The registration was launched through the CSC Network across the Country on 26 August, 2021.

benefits

• • Once the unorganised workers register themselves on the e-SHRAM portal, they are not required to register separately for the social security schemes launched by the government.


• • e-SHRAM scheme covers almost all unorganised workers of the country, comprising construction workers, migrant workers, domestic workers, street vendors, truck drivers, fishermen, agricultural workers.


• • All the unorganised workers registered under the scheme will be given accidental Insurance Coverage under Pradhan Mantri Suraksha Bima Yojana(PMSBY) for 365 days.


• • The workers will be paid Rs two lakh for accidental death and permanent disability and Rs one lakh for partial disability.


• • The portal will not only provide social security benefits but will also assist the Central and state governments to help all the eligible unorganised workers in case of pandemic or calamities.


• • e-SHRAM portal will also help to keep a track record of the migrant labour workforce and will pave a path for more job opportunities.

5) LPG Services

In an effort to make it easier for new gas connection, re-filling and delivery of household cylinders, the Government has appointed Common Service Centres (CSCs) to provide such facilities through Digital Seva Portal.

Public Sector Oil Marketing Companies (OMCs), including Indian Oil Corporation (IOCL), Hindustan Petroleum Corporation (HPCL) and Bharat Petroleum Corporation (BPCL) have agreed to provide the benefits of Ujjawla connection, re-filling of new connection and other services through CSCs – a last mile access at consumers’ doorstep.

Role of CSCs

Public Sector Oil Marketing Companies (OMCs) and CSC E-Governance Services India Limited signed a Memorandum of Understanding (MoU) on 03 November, 2019 to facilitate these services through the CSC Network across the Country.

CSCs will help the beneficiary to scan/upload his/her KYC document for verification of his/her identity for new booking connection. Beneficiaries can now collect the gas cylinder from their nearby CSC. CSC SPV and OMCs have agreed to facilitate their distributors to provide the following services through the Common Services Centres:

• • Booking new LPG connection (Ujjwala & General category)
• • Booking of LPG refills (14.2 Kg cylinders)
• • Supply & distribution of LPG cylinders (storage up to 100 Kgs,) through CSCs.

The Services are live on CSC National Portal, Digital Seva, since February, 2019.

Benefits

1. Oil Marketing Companies (OMCs) and CSC SPV agree to provide the benefits of Ujjawla connection, refiling of new connection and other services through CSCs for last mile access at their doorstep.
2. Beneficiary can visit the nearby CSCs across India to get the services of OMCs.
3. CSCs will help a beneficiary in booking a new gas connection request, refilling request and delivery of GAS Cylinder.
4. CSCs will help beneficiary to scan/upload his KYC documents for verification of his/her identity for new booking connection.
5. Beneficiaries can collect the Gas Cylinder from their nearby Common Services Centres.
6. CSCs will also provide requisite information about the scheme and promote it among citizens so that maximum number of beneficiaries can avail the benefit.
7. Ministry of Petroleum & Natural Gas is appointing 1 Ujjawala Didi for every 5 villages whose prime responsibility is to support and give service to Ujjawala Beneficiaries.
8. CSCs supports in conducting session in LPG Panchayats where one hour training and demo given to Ujjawala beneficiaries on safety mode of using gas cylinders and on Refill option.

6)Pradhan Mantri Fasal Bima Yojana

Pradhan Mantri Fasal Bima Yojana (PMFBY) was launched from Kharif 2016 with aim to support production in agriculture by providing an affordable crop insurance product to ensure comprehensive risk cover for crops of farmers against all non-preventable natural risks from pre-sowing to post-harvest stage. It is a comprehensive, yield based crop insurance scheme which aims to provide financial support to farmers suffering crop loss/damage arising out of unforeseen events.

Objective of the Scheme

PMFBY aims at supporting sustainable production in agriculture sector by way of:

• • Providing financial support to farmers suffering crop loss/damage arising out of unforeseen events
• • Stabilizing the income of farmers to ensure their continuance in farming
• • Encouraging farmers to adopt innovative and modern agricultural practices
• • Ensuring credit worthiness of the farmers, crop diversification and enhancing growth and competitiveness of agriculture sector besides protecting the farmers from production risks.

The Services are live on CSC National Portal, Digital Seva, since February, 2019.

Coverage of Farmers

• • All farmers including sharecroppers and tenant farmers growing the notified crops in the notified areas are eligible for coverage.
• • Farmers in the nation who have never used an insurance system before will be deemed eligible for this program
• • The non-loanee farmers are required to submit necessary documentary evidence of land records prevailing in the State (Records of Right (RoR), Land possession Certificate (LPC) etc.) and/or applicable contract/agreement details (in case of sharecroppers/tenant farmers).
• • Compulsory Component: All farmers availing Seasonal Agricultural Operations (SAO) loans from Financial Institutions (i.e. loanee farmers) for the crop(s) notified would be covered compulsorily.
• • Voluntary Component: The Scheme is optional for the non-loanee farmers.
• • Both PMFBY and other notified scheme can be implemented for non-loanee farmers in the area(s) notified for PMFBY. Non-loanee farmers can choose between PMFBY and other notified scheme.

Benefits

• • Offer farmers insurance coverage and financial assistance if any declared crops fail due to natural catastrophes, pests, or illnesses.
• • PMFBY insurance coverage helps in stabilizing income of farmers and encourages them for adoption of innovative practices.
• • Farmers would be required to pay a consistent premium of just 2% for all Kharif crops and 1.5 percent for all Rabi crops. The compensation to be paid for annual commercial and horticultural crops will be just 5%.
• • The difference between premium and the rate of insurance charges payable by farmers is shared equally by the Centre and the State government.
• • In case of majority insured crops of notified area are prevented from sowing/planting the insured crops due to adverse weather conditions that will be eligible for indemnity claims upto maximum 25% of sum assured.
• • Three levels of indemnity i.e. 70%, 80%, and 90% corresponding to crop risk in the areas is available for all crops.
• • There is a provision of an account claims in case of adverse seasonal conditions during crop seasons viz. floods, severe drought, prolonged dry spells, and unseasonal rains.
• • On account payment of upto 25% of likely claims will be provided if the expected yield during the season is less than 50% of normal yield.
• • The claim amount will be credited electronically to the individual insured bank account.

7)Pradhan Mantri Kisan Samman Nidhi Yojana

Pradhan Mantri Kisan Samman Nidhi Yojana (PM-KSN) is an income support scheme which was launched in December 2018. Under this scheme, an income support of Rs. 6000 per year is provided to all farmer families across the country in three equal installments of Rs. 2000.

To ensure roll out pan India, wider coverage of the Scheme, the Government has roped in CSCs to speed up the enrolment under the scheme. The Ministry of Agriculture has tied up with CSC-SPV to achieve the target of enrolling 14 crore farmers under the scheme.

The CSCs have been authorized to do registration of the farmers under the Scheme against payment of fees. Farmers can now visit their nearest CSC to get enrolled and avail of the benefit under the scheme. Through CSCs, changes in the previous enrolment can be made. Any farmer already enrolled, can now visit the CSC and make changes in his address or nominee. Aadhaar number is mandatory for enrolment under the scheme.

Benefits

• It supports the farmers financially in procuring various inputs to ensure appropriate yield of their crops
• Under the PM-KISAN scheme, all landholding farmers' families shall be provided the financial benefit of Rs. 6,000 per annum per family payable in three equal installments of Rs. 2,000 each, every four months
• It helps them to meet day to day farming requirement.

8) Pradhan Mantri Street Vendor Atmanirbhar Nidhi (PM-SVAN)

Street vendors represent a very important constituent of the urban informal economy and play a significant role in ensuring availability of the goods and services at affordable rates at the doorstep of the city dwellers. The COVID-19 pandemic and consequent lockdowns have adversely impacted the livelihoods of street vendors. They usually work with a small capital base and might have consumed the same during the lockdown. Therefore, there is an urgent need to provide credit for working capital to street vendors to resume their business.

• • It is a Central Sector Scheme i.e. fully funded by Ministry of Housing and Urban Affairs with the following objectives:
• • Urban street vendors will be eligible to avail of a Working Capital (WC) loan of up to Rs 10,000 with tenure of 1 year and repaid in monthly installments.
• • For this loan, no collateral will be taken by the lending institutions.
• • On timely or early repayment, the vendors will be eligible for the next cycle of working capital loan with an enhanced limit.
• • The vendors, availing loan under the scheme, are eligible to get an interest subsidy @ 7%.
• • The interest subsidy amount will be credited into the borrower’s account quarterly.
• • The State / UT / ULB-wise list of identified street vendors will be made available on the website of the Ministry/ State Government/ ULBs and Web Portal developed for the purpose.

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Eligibility

The Scheme is available for beneficiaries belonging to only those States/UTs which have notified Rules and Scheme under Street Vendors (Protection of Livelihood and Regulation of Street Vending) Act, 2014. Beneficiaries from Meghalaya, which has its own State Street Vendors Act may, however, participate. The Scheme is available to all street vendors who were engaged in vending in urban areas on or before March 24, 2020.

PM-SVA Nidhi Through CSCs

The Ministry of Housing and Urban Affairs has decided that the beneficiaries can also apply in the scheme through Common Services Centres (CSCs) across the country. The scheme was launched through CSC on 21 July, 2020. The street vendors may visit their nearest CSC along with the required documents and get themselves registered for the Scheme.

Benefits

Benefits of the scheme are:

• • It facilitates working capital loan up to 10,000 at subsidized rate of interest
• • Incentivize regular repayment of loan
• • Reward digital transactions.
• • Provide working capital loans up to ₹10,000
• • Provision of an interest subsidy on timely/early repayment @ 7%
• • Monthly cash-back incentive on digital transactions
• • Higher loan eligibility on timely repayment of the first loan