e-Shram Card

Help wage workers get 3 thousand rupees every month from the government e-Shram Card !

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Help wage workers get 3 thousand rupees every month from the government e-Shram Card !

The Government of India has taken a major step to support unorganized sector workers through the e-Shram Card initiative. Designed to extend social security and welfare benefits, this card aims to safeguard the financial and health interests of crores of daily wage earners, street vendors, domestic workers, construction laborers, and other informal sector employees.

If you’re working in the unorganized sector, the e-Shram Card can open doors to numerous government schemes, including a monthly pension of ₹3,000. Here’s everything you need to know.

What is the e-Shram Card?

Launched in August 2021 by the Ministry of Labour and Employment, the e-Shram Card is part of an ambitious effort to build a national database of unorganized workers. Once registered, a worker receives a 12-digit Universal Account Number (UAN), which acts as a single identification number for accessing various government welfare schemes.

The main goal is to bring the unorganized workforce under a unified platform to ensure they receive the protection and benefits they deserve.

Who is Eligible?

To apply for the e-Shram Card, individuals must meet the following criteria:

  • Occupation: Must be engaged in the unorganized sector, such as:

    • Construction workers

    • Agricultural laborers

    • Fishermen

    • Street vendors

    • Rickshaw pullers

    • Domestic workers

    • Home-based workers and others

  • Age Limit: Must be between 16 to 59 years old.

  • Other Conditions: Should not be a member of formal schemes like:

    • Employees’ Provident Fund Organization (EPFO)

    • Employees’ State Insurance Corporation (ESIC)

    • National Pension System (NPS)

Key Benefits of the e-Shram Card

1. ₹3,000 Monthly Pension (After Age 60)

Registered workers can join the Pradhan Mantri Shram Yogi Maandhan (PM-SYM) scheme, which provides a monthly pension of ₹3,000 after they turn 60. Contributions range from ₹55 to ₹200 per month depending on the worker’s age at the time of enrollment. The government matches the worker’s contribution to build a stable pension fund.

2. Accident Insurance

Through the Pradhan Mantri Suraksha Bima Yojana (PMSBY):

  • ₹2 lakh for accidental death or permanent disability

  • ₹1 lakh for partial disability

3. Health Coverage up to ₹5 Lakh

Under the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), e-Shram Card holders and their families can access free medical treatment up to ₹5 lakh per year in empanelled hospitals.

4. Access to Other Government Schemes

Workers can also benefit from:

  • Ration Subsidies through the Public Distribution System (PDS)

  • Housing Assistance under PM Awaas Yojana – Gramin (PMAY-G)

  • Skill Development Programs

  • Financial Aid during emergencies or unemployment

5. Job Opportunities

Integration with the National Career Service (NCS) helps workers find suitable employment and upskilling programs.

How to Register?

The registration process for the e-Shram Card is free and easy:

  1. Visit the official e-Shram portal or go to the nearest Common Service Centre (CSC).

  2. Provide details such as:

    • Aadhaar number

    • Mobile number linked to Aadhaar

    • Bank account details

    • Occupation and income-related information

  3. Upon successful registration, you will receive your e-Shram Card with UAN.

No registration fees or hidden charges apply. Once registered, your information is stored securely in the national e-Shram database.

Integration with Other Platforms

To maximize benefits, the e-Shram portal is linked with several government systems:

  • Skill India Digital Portal – Offers online and offline training programs.

  • PM-SYM Scheme – Facilitates direct enrollment into the pension scheme.

  • myScheme Portal – Helps workers find other schemes they may be eligible for.

  • UMANG App – For accessing e-Shram services on mobile devices.

Recent Milestones

As of November 2024, over 30.42 crore workers have enrolled under the e-Shram scheme. The government is working to link more schemes and expand benefits, making it a robust social security net for the country’s informal workforce.

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Conclusion

The e-Shram Card is more than just a document—it’s a bridge to a better, more secure future for India’s unorganized workers. With benefits like monthly pensions, accident insurance, health coverage, and access to job and skill development programs, the card is transforming lives across the country.

If you or someone you know works in the unorganized sector, registering for the e-Shram Card could be the first step toward a financially secure and empowered life.