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Aryan

Miner

IndiaHindi (हिन्दी)₹ INR

Aryan works in the coal mines, facing daily physical risks while trying to secure a future for his family. This hub covers the central protections, welfare funds, and safety nets he relies on, alongside the state-specific benefits he can claim in his home region.

My Rights and Welfare as a Miner

These are the specific protections and funds dedicated to those working in the mining sector.

Coal Mines Labour Welfare Fund

कोयला खान श्रम कल्याण निधि

national · Ministry of Coal

Who qualifies
All coal mine workers and their dependents.
What you get
Financial assistance for housing, water supply, and medical care.
What it actually costs you
Deductions from salary; requires proof of employment and dependent certificates.
Common gotcha
Often confused with general labor welfare; check with your local welfare commissioner office.

Mines Rescue Rules

national · DGMS

Who qualifies
All underground mine workers.
What you get
Mandatory safety training and rescue equipment access.
What it actually costs you
Time spent in mandatory safety drills.
Common gotcha
Many workers skip training; it is your legal right to demand this.

Vocational Training Rules

national · DGMS

Who qualifies
Every person employed in a mine.
What you get
Compulsory safety and skill training.
What it actually costs you
Zero cost; employer must pay for training time.
Common gotcha
Employers often falsify records; ensure your name is on the register.

Coal Mines Provident Fund (CMPF)

कोयला खान भविष्य निधि

national · CMPFO

Who qualifies
Coal mine employees.
What you get
Retirement savings and pension benefits.
What it actually costs you
Monthly contribution from salary; UAN number required.
Common gotcha
Linking Aadhaar to UAN is mandatory for withdrawals.

Mines Creche Rules

national · Ministry of Labour

Who qualifies
Women workers with children under 6.
What you get
Access to a safe creche facility near the mine.
What it actually costs you
Proof of employment and child's birth certificate.
Common gotcha
Many mines fail to maintain these; report to the labour inspector.

Workmen's Compensation Act

national · Ministry of Labour

Who qualifies
Workers injured during employment.
What you get
Monetary compensation for injury or death.
What it actually costs you
Medical reports and incident logs.
Common gotcha
Employers try to settle privately; always file an official report.

Keeping My Family Healthy

Mining takes a toll on the body; these schemes help cover the high costs of medical treatment.

Ayushman Bharat PM-JAY

आयुष्मान भारत

national · National Health Authority

Who qualifies
Low-income families identified in SECC 2011.
What you get
₹5 lakh annual health cover per family.
What it actually costs you
Aadhaar card and ration card; no premium.
Common gotcha
Check if your hospital is empanelled before admission.

Employees' State Insurance (ESI)

ईएसआईसी

national · ESIC

Who qualifies
Workers earning below ₹21,000/month.
What you get
Full medical care for self and family.
What it actually costs you
Small monthly deduction from salary.
Common gotcha
You must have an ESI Pehchan card to access services.

Pradhan Mantri Bhartiya Janaushadhi Pariyojana

प्रधानमंत्री भारतीय जन औषधि परियोजना

national · Department of Pharmaceuticals

Who qualifies
All citizens.
What you get
Generic medicines at 50-90% cheaper rates.
What it actually costs you
Just a prescription.
Common gotcha
Doctors often write brand names; ask for the generic equivalent.

Rashtriya Swasthya Bima Yojana

national · Ministry of Labour

Who qualifies
Unorganized sector workers.
What you get
Smart card-based cashless health insurance.
What it actually costs you
₹30 registration fee.
Common gotcha
Largely being merged into Ayushman Bharat; check status.

Nikshay Poshan Yojana

निक्षय पोषण योजना

national · Ministry of Health

Who qualifies
TB patients.
What you get
₹500 per month for nutritional support.
What it actually costs you
Medical diagnosis and bank account linkage.
Common gotcha
Ensure your bank account is DBT-enabled.

Maternity Benefit Act

national · Ministry of Labour

Who qualifies
Women workers.
What you get
26 weeks paid maternity leave.
What it actually costs you
Proof of pregnancy/delivery.
Common gotcha
Employers often deny this for contract workers; it applies to all.

Saving and Planning for the Future

With a high-risk job, I need to ensure my savings are secure and my family is protected if I'm not around.

Pradhan Mantri Suraksha Bima Yojana

प्रधानमंत्री सुरक्षा बीमा योजना

national · Department of Financial Services

Who qualifies
Age 18-70 with a bank account.
What you get
₹2 lakh accidental death/disability cover.
What it actually costs you
₹20 annual premium (auto-debit).
Common gotcha
Must renew every year if not on auto-debit.

Pradhan Mantri Jeevan Jyoti Bima Yojana

प्रधानमंत्री जीवन ज्योति बीमा योजना

national · Department of Financial Services

Who qualifies
Age 18-50 with a bank account.
What you get
₹2 lakh life insurance cover.
What it actually costs you
₹436 annual premium.
Common gotcha
Coverage starts after a 45-day lien period.

Atal Pension Yojana

अटल पेंशन योजना

national · PFRDA

Who qualifies
Age 18-40.
What you get
Guaranteed monthly pension of ₹1k-5k after 60.
What it actually costs you
Monthly contribution based on age.
Common gotcha
You cannot withdraw before 60 except in emergencies.

Pradhan Mantri Jan Dhan Yojana

प्रधानमंत्री जन धन योजना

national · Ministry of Finance

Who qualifies
Unbanked individuals.
What you get
Zero balance account with RuPay debit card.
What it actually costs you
KYC documents (Aadhaar/PAN).
Common gotcha
Keep the account active to maintain insurance benefits.

Sukanya Samriddhi Yojana

सुकन्या समृद्धि योजना

national · Ministry of Finance

Who qualifies
Parents of girl child under 10.
What you get
High-interest savings for daughter's education/marriage.
What it actually costs you
Minimum ₹250 annual deposit.
Common gotcha
Only for two daughters; exceptions for twins.

Employees' Provident Fund

ईपीएफ

national · EPFO

Who qualifies
Formal sector employees.
What you get
Retirement corpus.
What it actually costs you
12% of basic salary.
Common gotcha
Ensure your date of exit is updated by the employer.

Food and Basic Essentials

Managing household expenses is hard; these schemes help keep food on the table.

Public Distribution System (PDS)

राशन कार्ड

national · Ministry of Consumer Affairs

Who qualifies
Low-income families (BPL/Antyodaya).
What you get
Subsidized rice, wheat, and sugar.
What it actually costs you
Ration card and Aadhaar authentication.
Common gotcha
One Nation One Ration Card allows you to take rations anywhere.

Pradhan Mantri Ujjwala Yojana

प्रधानमंत्री उज्ज्वला योजना

national · Ministry of Petroleum

Who qualifies
Women from BPL households.
What you get
Free LPG connection.
What it actually costs you
KYC and bank account.
Common gotcha
You still have to pay for the refill cylinder.

Pradhan Mantri Awas Yojana (Gramin)

प्रधानमंत्री आवास योजना

national · Ministry of Rural Development

Who qualifies
Homeless or kutcha house dwellers.
What you get
Financial assistance for building a house.
What it actually costs you
Land ownership proof.
Common gotcha
Selection is based on SECC data; check your name on the list.

Swachh Bharat Mission (Grameen)

स्वच्छ भारत मिशन

national · Ministry of Jal Shakti

Who qualifies
Families without toilets.
What you get
₹12,000 for toilet construction.
What it actually costs you
Construction proof.
Common gotcha
Funds are released after geotagged photos are uploaded.

PM SVANidhi

पीएम स्वनिधि

national · Ministry of Housing

Who qualifies
Street vendors.
What you get
Collateral-free working capital loan.
What it actually costs you
Vendor registration.
Common gotcha
Repay on time to get interest subsidy.

National Social Assistance Programme (NSAP)

राष्ट्रीय सामाजिक सहायता कार्यक्रम

national · Ministry of Rural Development

Who qualifies
Elderly, widows, and disabled.
What you get
Monthly pension.
What it actually costs you
Age and income certificates.
Common gotcha
Often requires annual life certificate submission.

State-level schemes

36states & territories — open one to see what it offers.

Andaman and Nicobar Islandsअंडमान और निकोबार द्वीपसमूह

Living on an island chain means high logistics costs, making these local subsidies and transport concessions vital for a miner's family budget.

Making island life affordable

Andaman and Nicobar Islands Transport Subsidy

state · Directorate of Transport

Who qualifies
Residents traveling between islands for work or medical needs.
What you get
Subsidized ferry tickets for inter-island travel.
What it actually costs you
Requires local residency certificate; often long queues at the jetty office.
Common gotcha
Tickets are limited and sell out fast during peak tourist seasons.

A&N Electricity Tariff Subsidy

state · Electricity Department, A&N Administration

Who qualifies
All domestic households in the islands.
What you get
Lower per-unit electricity rates compared to the mainland cost of diesel generation.
What it actually costs you
Automatic application on electricity bills.
Common gotcha
Does not apply to commercial mining equipment usage.

Pre-Matric Scholarship for ST Students

state · Department of Tribal Welfare

Who qualifies
Children of ST families residing in the islands.
What you get
Annual stipend for books and school fees.
What it actually costs you
Income certificate and caste certificate required.
Common gotcha
Must be renewed every academic year without fail.

Fisheries Input Subsidy

state · Department of Fisheries

Who qualifies
Registered local fishermen or families supplementing income through small-scale fishing.
What you get
50% subsidy on fishing nets and safety gear.
What it actually costs you
Registration with the local fisheries office.
Common gotcha
Only covers specific approved equipment types.

Keeping the family healthy

A&N Medical Referral Assistance

state · Directorate of Health Services

Who qualifies
Residents requiring specialized treatment not available in Port Blair hospitals.
What you get
Financial aid for airfare and stay during treatment in mainland India.
What it actually costs you
Medical board recommendation and income proof.
Common gotcha
Approval process can take weeks, not suitable for immediate emergencies.

A&N Old Age Pension Scheme

state · Department of Social Welfare

Who qualifies
Senior citizens above 60 with no regular income.
What you get
Monthly cash transfer of ₹2,500.
What it actually costs you
Aadhaar-linked bank account and age proof.
Common gotcha
Pension is often delayed if the bank account is not updated with KYC.

State Disability Pension

state · Department of Social Welfare

Who qualifies
Residents with 40% or more disability.
What you get
Monthly financial support.
What it actually costs you
Medical board certificate required.
Common gotcha
Must be re-certified every 5 years.

Widow Pension Scheme

state · Department of Social Welfare

Who qualifies
Widows residing in the islands with limited financial means.
What you get
Monthly pension support.
What it actually costs you
Death certificate of spouse and income certificate.
Common gotcha
Cannot be combined with other state pension schemes.
Andhra Pradeshఆంధ్రప్రదేశ్

Andhra Pradesh provides specific welfare boards and housing support for industrial and mining workers that supplement national labor protections.

Support for my family and health

AP Labour Welfare Board Scholarship

ఆంధ్రప్రదేశ్ కార్మిక సంక్షేమ నిధి

state · AP Labour Welfare Board

Who qualifies
Children of registered industrial workers in AP.
What you get
Annual scholarship ranging from ₹2,000 to ₹10,000 based on the course level.
What it actually costs you
Proof of registration and school bonafide certificate; annual renewal required.
Common gotcha
Must be a registered worker under the AP Labour Welfare Fund Act.

YSR Aarogyasri

వైఎస్ఆర్ ఆరోగ్యశ్రీ

state · Dr. YSR Aarogyasri Health Care Trust

Who qualifies
Families with annual income below ₹5 lakhs.
What you get
Cashless treatment for over 3,000 medical procedures in empanelled hospitals.
What it actually costs you
White ration card; no cost for treatment.
Common gotcha
Only works in network hospitals; check the list before going to a private clinic.

AP Building and Other Construction Workers Welfare Board

ఆంధ్రప్రదేశ్ భవన నిర్మాణ కార్మికుల సంక్షేమ బోర్డు

state · Department of Labour

Who qualifies
Workers engaged in construction or mining-related site work for 90 days in a year.
What you get
Accidental death cover, maternity benefits, and funeral expenses.
What it actually costs you
Registration fee of ₹20; requires Aadhaar and bank passbook.
Common gotcha
Registration needs to be updated every year to keep benefits active.

A place to call my own

YSR Pedalandariki Illu

వైఎస్ఆర్ పేదలందరికీ ఇళ్లు

state · AP State Housing Corporation

Who qualifies
Homeless poor families with a valid white ration card.
What you get
House site patta and financial assistance for house construction.
What it actually costs you
Application through the local Ward/Village Secretariat.
Common gotcha
Selection is based on the priority list prepared by the local VRO.

AP Housing Corporation Subsidy

ఆంధ్రప్రదేశ్ గృహ నిర్మాణ సంస్థ

state · AP State Housing Corporation

Who qualifies
Beneficiaries of state housing schemes.
What you get
Subsidized loans for construction materials.
What it actually costs you
Must have clear land title documents.
Common gotcha
Construction must follow the approved government layout plans.
Arunachal Pradeshअरुणाचल प्रदेश

Arunachal Pradesh offers unique land-holding protections and specialized welfare for indigenous workers living in remote, high-altitude mining and quarrying regions.

Support for my family and safety

Arunachal Pradesh Building and Other Construction Workers Welfare Board Benefits

state · Department of Labour and Employment

Who qualifies
Registered workers engaged in mining, quarrying, or construction for at least 90 days.
What you get
Financial assistance for medical treatment, marriage of daughters, and funeral expenses.
What it actually costs you
Annual membership fee of ₹20; requires proof of employment and Aadhaar.
Common gotcha
You must renew your registration annually to remain eligible for death or disability claims.

Chief Minister's Relief Fund (CMRF) Medical Grant

state · Chief Minister's Office

Who qualifies
Permanent residents of Arunachal Pradesh facing critical medical emergencies.
What you get
One-time financial grant for surgery or treatment not covered by national schemes.
What it actually costs you
Medical bills, doctor's referral, and residence certificate; no application fee.
Common gotcha
Requires a recommendation letter from a local MLA or Deputy Commissioner.

Help for my village and land

Deen Dayal Upadhyaya Swavalamban Yojana

state · Department of Finance

Who qualifies
Local entrepreneurs and small-scale miners looking to start or expand local ventures.
What you get
30% back-ended subsidy on bank loans for project costs up to ₹1 crore.
What it actually costs you
Detailed project report and bank approval; requires 10% own contribution.
Common gotcha
The subsidy is only released after the bank confirms the project is operational.

Arunachal Pradesh Land Settlement and Records Assistance

state · Department of Land Management

Who qualifies
Indigenous residents needing to formalize small land holdings for agricultural or residential use.
What you get
Legal assistance and subsidized fees for land survey and registration.
What it actually costs you
Application fee varies by district; requires local Gaon Burah certification.
Common gotcha
Land in Arunachal is protected under the Bengal Eastern Frontier Regulation; non-locals cannot own it.
Assamঅসম

Assam offers specific welfare protections for tea garden and coal-belt workers, alongside state-specific health and housing top-ups that provide a safety net for manual laborers.

Support for my hard work

Assam Tea Garden Worker Welfare Scheme

অসম চাহ বাগিচা কৰ্মী কল্যাণ আঁচনি

state · Department of Labour and Welfare

Who qualifies
Registered workers in tea estates across Assam.
What you get
Subsidized ration, maternity benefits, and educational scholarships for children.
What it actually costs you
Must have a valid worker ID card issued by the garden management.
Common gotcha
Often requires the garden management to verify your employment status annually.

Assam Building and Other Construction Workers Welfare Board

অসম ভৱন আৰু অন্যান্য নিৰ্মাণ শ্ৰমিক কল্যাণ ব’ৰ্ড

state · Labour Welfare Department

Who qualifies
Any worker engaged in construction or mining-related manual labor for 90 days in the last year.
What you get
Financial assistance for medical treatment, funeral expenses, and tool purchase grants.
What it actually costs you
Registration fee of ₹20 and annual renewal of ₹20.
Common gotcha
Many miners forget to renew their membership annually, losing eligibility for death benefits.

Assam Skill Development Mission (ASDM)

অসম দক্ষতা বিকাশ মিছন

state · ASDM

Who qualifies
Unemployed youth and workers looking to transition to safer trades.
What you get
Free vocational training in trades like welding, electrical, and heavy machinery operation.
What it actually costs you
Zero cost; requires Aadhaar and proof of residence.
Common gotcha
Training centers are often in district hubs, not near remote mining areas.

Keeping the family safe and sheltered

Atal Amrit Abhiyan

অটল অমৃত অভিযান

state · Department of Health and Family Welfare

Who qualifies
Families with annual income below ₹5 lakhs.
What you get
Cashless treatment for critical illnesses up to ₹2 lakhs per year.
What it actually costs you
Requires the AAA card; valid at empanelled hospitals.
Common gotcha
It is a top-up to national schemes; ensure your hospital is empanelled for both.

Chief Minister's Awas Yojana (Assam)

মুখ্যমন্ত্ৰী আৱাস যোজনা

state · Panchayat and Rural Development

Who qualifies
Residents in rural areas without a permanent house.
What you get
Financial grant for construction of a pucca house.
What it actually costs you
Must have land ownership documents (Patta).
Common gotcha
Selection is based on the socio-economic caste census list; check your name at the Gram Panchayat office.

Orunodoi Scheme

অৰুণোদয় আঁচনি

state · Finance Department, Assam

Who qualifies
Low-income households, prioritizing female heads of family.
What you get
Monthly direct benefit transfer of ₹1,250 to bank accounts.
What it actually costs you
Application through local district committees.
Common gotcha
Bank account must be DBT-enabled and linked to Aadhaar.
Biharबिहार

Bihar offers specific welfare boards and labor cesses for workers in the mining sector to ensure safety, education for children, and health support in a high-risk environment.

Support for my family and safety

Bihar Building and Other Construction Workers Welfare Board Benefits

बिहार भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड

state · Labour Resources Department, Bihar

Who qualifies
Registered workers aged 18-60 who have worked for 90 days in the last year.
What you get
Financial assistance for marriage, maternity, death, and funeral expenses.
What it actually costs you
Annual registration fee of ₹20; requires Aadhaar, bank passbook, and employer certificate.
Common gotcha
Renewal must be done every year to keep the benefits active.

Bihar State Accident Grant Scheme

बिहार राज्य दुर्घटना अनुदान योजना

state · Department of Labour, Bihar

Who qualifies
Registered workers suffering from work-related accidents or death.
What you get
Up to ₹4 lakh for accidental death and varying amounts for permanent disability.
What it actually costs you
Requires FIR copy, medical report, and death certificate within 6 months of incident.
Common gotcha
Delay in filing FIR often leads to rejection of the claim.

Bihar Labour Welfare Scholarship

बिहार श्रम कल्याण छात्रवृत्ति

state · Bihar Labour Welfare Board

Who qualifies
Children of registered mine and construction workers studying in schools/colleges.
What you get
Annual scholarship ranging from ₹2,000 to ₹15,000 based on the level of education.
What it actually costs you
Bonafide certificate from school and parent's registration card.
Common gotcha
Must apply within the academic year; late applications are rarely entertained.

Cycle Assistance Scheme for Workers

साइकिल सहायता योजना

state · Bihar Building and Other Construction Workers Welfare Board

Who qualifies
Registered workers who have completed at least one year of membership.
What you get
A one-time grant of ₹3,500 for the purchase of a bicycle.
What it actually costs you
Self-declaration of not having received this benefit previously.
Common gotcha
The grant is transferred directly to the bank account, not a voucher.

Health and daily survival

Chief Minister Medical Assistance Fund

मुख्यमंत्री चिकित्सा सहायता कोष

state · Health Department, Bihar

Who qualifies
Low-income residents needing treatment for serious illnesses not covered by other schemes.
What you get
Financial aid up to ₹1 lakh for critical surgeries or long-term treatment.
What it actually costs you
Income certificate and hospital treatment estimate; takes 30-60 days.
Common gotcha
Only applicable for treatment in government-empanelled hospitals.

Bihar State Food Security Scheme

बिहार राज्य खाद्य सुरक्षा योजना

state · Food and Consumer Protection Department

Who qualifies
Families not covered under the national NFSA but meeting state poverty criteria.
What you get
Subsidized food grains through the PDS system.
What it actually costs you
Ration card application; requires residence proof.
Common gotcha
Often confused with the national ration card; check your status at the local block office.

Bihar Labour Welfare Health Clinics

श्रम कल्याण स्वास्थ्य केंद्र

state · Labour Department

Who qualifies
Registered workers and their families.
What you get
Free basic health checkups and essential medicines.
What it actually costs you
Presenting the Labour Card at the clinic.
Common gotcha
Limited availability of specialists; mostly for primary care.
Chhattisgarhछत्तीसगढ़

Chhattisgarh provides specialized welfare boards for unorganized sector workers and miners, offering unique educational and health support for families living in mining belts.

Support for my family and health

Chhattisgarh Unorganized Workers Welfare Board Assistance

छत्तीसगढ़ असंगठित कर्मकार कल्याण मंडल सहायता

state · Labour Department, Government of Chhattisgarh

Who qualifies
Registered construction and mine workers with a valid labour card.
What you get
Financial aid for daughter's marriage, maternity benefits, and funeral assistance.
What it actually costs you
Requires active registration and annual renewal of labour card.
Common gotcha
Many workers forget to renew their registration annually, making them ineligible for claims.

Chief Minister Special Health Assistance Scheme

मुख्यमंत्री विशेष स्वास्थ्य सहायता योजना

state · Health and Family Welfare Department

Who qualifies
Families with an annual income below the threshold who need treatment for rare diseases not covered by other schemes.
What you get
Financial assistance up to ₹20 Lakhs for specialized medical treatment.
What it actually costs you
Requires a medical board recommendation and income certificate.
Common gotcha
The paperwork for 'rare' disease classification is very strict and takes time.

Dhanwantari Generic Medicine Stores

धन्वंतरी जेनेरिक मेडिकल स्टोर

state · Urban Administration and Development Department

Who qualifies
All residents of Chhattisgarh.
What you get
Generic medicines at a discount of 50% to 70% compared to branded MRP.
What it actually costs you
Just your prescription; no registration required.
Common gotcha
Not all branded medicines have a generic equivalent in stock at every store.

Helping my children study

Labour Welfare Scholarship Scheme

श्रमिक शिक्षा प्रोत्साहन योजना

state · Chhattisgarh Building and Other Construction Workers Welfare Board

Who qualifies
Children of registered mine/construction workers studying from Class 1 to Post-Graduation.
What you get
Annual scholarship ranging from ₹2,000 to ₹10,000 depending on the course level.
What it actually costs you
School bonafide certificate and parent's labour card.
Common gotcha
Applications must be submitted within the academic year; late submissions are rejected.

Swami Atmanand English Medium Schools

स्वामी आत्मानंद उत्कृष्ट अंग्रेजी माध्यम विद्यालय

state · School Education Department

Who qualifies
Students residing in the state seeking quality English medium education.
What you get
Free, high-quality English medium education with modern infrastructure.
What it actually costs you
Admission is based on a lottery system if seats are limited.
Common gotcha
High demand makes admission competitive; check local school notice boards for lottery dates.
Chandigarhचंडीगढ़

As a Union Territory, Chandigarh offers unique urban welfare benefits and housing subsidies that are more streamlined than in larger states.

Keeping a roof over my head

Chandigarh Housing Board EWS Allotment

चंडीगढ़ हाउसिंग बोर्ड ईडब्ल्यूएस आवंटन

state · Chandigarh Housing Board

Who qualifies
Low-income residents with a domicile certificate and income below the EWS threshold.
What you get
Subsidized housing units in designated sectors.
What it actually costs you
Application fee varies; requires proof of residence and income certificate.
Common gotcha
The waiting list is extremely long and requires constant tracking on the portal.

UT Chandigarh Electricity Tariff Subsidy

चंडीगढ़ बिजली सब्सिडी

state · Electricity Department, Chandigarh Administration

Who qualifies
Domestic consumers with low monthly consumption.
What you get
Reduced per-unit electricity rates for the first 150 units.
What it actually costs you
Automatic application based on consumption; no extra documents.
Common gotcha
Exceeding the slab limit even by one unit removes the entire subsidy for that billing cycle.

Staying healthy and safe

GMCH Chandigarh Free Treatment Scheme

जीएमसीएच मुफ्त उपचार योजना

state · Government Medical College and Hospital

Who qualifies
Residents holding a valid Chandigarh domicile or BPL card.
What you get
Free OPD registration and subsidized diagnostic tests.
What it actually costs you
Requires a valid Chandigarh residence proof and medical referral.
Common gotcha
The rush is massive; you must arrive before 8 AM for registration.

Chandigarh Building and Other Construction Workers Welfare Board

चंडीगढ़ भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड

state · Labour Department, Chandigarh

Who qualifies
Workers engaged in construction or mining-related activities for at least 90 days in a year.
What you get
Financial assistance for marriage, education of children, and medical emergencies.
What it actually costs you
Registration fee of ₹25; requires employer certificate.
Common gotcha
Renewal of membership must be done annually to remain eligible for benefits.
Delhiदिल्ली

Delhi offers unique urban welfare, subsidized public transport, and specialized labor protections for workers living in the capital region.

Keeping the lights on and the family fed

Delhi Electricity Subsidy Scheme

दिल्ली बिजली सब्सिडी योजना

state · Delhi Electricity Regulatory Commission

Who qualifies
Domestic consumers with monthly consumption up to 200 units.
What you get
Zero electricity bill for up to 200 units of monthly consumption.
What it actually costs you
Requires active Aadhaar seeding with the electricity connection.
Common gotcha
You must opt-in annually to continue receiving the subsidy.

Delhi PDS Ration Card

दिल्ली राशन कार्ड

state · Department of Food and Supplies

Who qualifies
Low-income residents of Delhi with valid proof of residence.
What you get
Subsidized wheat, rice, and sugar through fair price shops.
What it actually costs you
Requires residence proof and income certificate; process takes 30-45 days.
Common gotcha
Name must match exactly on Aadhaar and ration card for e-POS verification.

Delhi Jal Board Free Water Scheme

दिल्ली जल बोर्ड मुफ्त पानी योजना

state · Delhi Jal Board

Who qualifies
Households with a functional water meter consuming up to 20 kilolitres per month.
What you get
Zero water charges for consumption up to 20 KL.
What it actually costs you
Requires a functional, verified water meter.
Common gotcha
If you cross 20 KL, you pay for the entire usage, not just the excess.

Delhi Pink Ticket Scheme

पिंक टिकट योजना

state · Delhi Transport Corporation

Who qualifies
Women traveling in DTC and Cluster buses within Delhi.
What you get
Free travel in all non-AC and AC DTC/Cluster buses.
What it actually costs you
Zero cost; just show ID to the conductor to get the ticket.
Common gotcha
Only valid for travel within Delhi state boundaries.

Support for my fellow laborers

Delhi Building and Other Construction Workers Welfare Board

दिल्ली भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड

state · Labour Department, GNCTD

Who qualifies
Workers engaged in construction work for at least 90 days in the last year.
What you get
Financial assistance for education, marriage, and medical emergencies.
What it actually costs you
Registration fee of ₹25 and annual renewal fee of ₹20.
Common gotcha
You need a certificate from your employer confirming 90 days of work.

Delhi Minimum Wage Notification

दिल्ली न्यूनतम मजदूरी

state · Labour Department, GNCTD

Who qualifies
All workers employed in scheduled employments in Delhi.
What you get
Higher minimum wage rates compared to national standards.
What it actually costs you
None; it is a statutory right enforced by the state.
Common gotcha
Employers often underpay; keep a record of your attendance and pay slips.

Aam Aadmi Mohalla Clinic

आम आदमी मोहल्ला क्लिनिक

state · Department of Health and Family Welfare

Who qualifies
Any resident of Delhi.
What you get
Free primary healthcare consultations and essential diagnostic tests.
What it actually costs you
Zero; just walk in with a government ID.
Common gotcha
Clinics have specific operating hours, usually 8 AM to 2 PM.
Dadra and Nagar Haveli and Daman and Diuદાદરા અને નગર હવેલી અને દમણ અને દીવ

As a miner in this UT, you benefit from specific industrial welfare boards and local tribal development initiatives that bridge the gap between national policy and your daily site realities.

Support for my family and health

Dadra and Nagar Haveli Labour Welfare Board Assistance

state · Department of Labour and Employment

Who qualifies
Registered industrial workers in DNH with at least 90 days of service.
What you get
Financial aid for children's education, maternity benefits, and funeral expenses.
What it actually costs you
Registration with the Labour Office, proof of employment, and bank passbook.
Common gotcha
Many workers forget to renew their registration annually, leading to claim rejection.

Daman and Diu Medical Reimbursement Scheme

state · Directorate of Medical and Health Services

Who qualifies
Domicile residents of Daman and Diu working in local industrial sectors.
What you get
Reimbursement for specialized treatments not available in local government hospitals.
What it actually costs you
Medical bills, doctor prescriptions, and domicile certificate.
Common gotcha
Bills must be submitted within 3 months of discharge or treatment completion.

Post-Matric Scholarship for ST Students

state · Department of Social Welfare

Who qualifies
Scheduled Tribe students residing in DNH pursuing post-matric education.
What you get
Annual maintenance allowance and full tuition fee coverage.
What it actually costs you
Caste certificate, income certificate, and school bonafide certificate.
Common gotcha
The income limit is strictly enforced; ensure your income certificate is current.

UT Housing Assistance for Industrial Workers

state · Housing Board DNH

Who qualifies
Permanent residents working in the mining or industrial sector for over 5 years.
What you get
One-time subsidy for home repair or construction of a basic dwelling.
What it actually costs you
Land ownership documents and employment verification letter.
Common gotcha
The subsidy is only for those who do not own a concrete house elsewhere.

Getting around and daily living

Daman Public Transport Concession Card

state · Daman Transport Department

Who qualifies
Low-income industrial workers and daily wage earners.
What you get
50% discount on monthly bus passes for commuting to work sites.
What it actually costs you
Passport size photo and employer identity card.
Common gotcha
The pass is only valid on government-run buses, not private contract carriages.

UT Electricity Tariff Subsidy for Low Income

state · Electricity Department DNH

Who qualifies
Households with consumption below 100 units per month.
What you get
Reduced tariff rates compared to standard commercial/residential slabs.
What it actually costs you
Aadhaar linked to your electricity consumer number.
Common gotcha
If you exceed 100 units, the subsidy for the entire month is forfeited.

Public Water Connection Scheme

state · Public Works Department

Who qualifies
Residents in identified labour colonies or low-income housing zones.
What you get
Subsidized installation of water meters and reduced monthly water usage rates.
What it actually costs you
Application fee and proof of residence.
Common gotcha
Connections are only provided to authorized residential structures.
Goaगोंय

Goa provides unique social protection for mining-affected families and former workers through specialized welfare boards and local housing assistance.

Support for mining families

Goa Mining Affected People's Welfare Scheme

गोंय खाण प्रभावित लोक कल्याण योजना

state · Goa Mineral Foundation

Who qualifies
Families whose primary income was lost due to the suspension of mining operations in Goa.
What you get
Monthly financial assistance and educational scholarships for children of affected workers.
What it actually costs you
Income certificate, proof of previous employment in mining, and Aadhaar card.
Common gotcha
Requires specific certification from the Directorate of Mines and Geology regarding the closure of the specific mine you worked at.

Goa Labour Welfare Board Assistance

state · Goa Labour Welfare Board

Who qualifies
Registered workers in the mining and industrial sector in Goa.
What you get
Financial grants for medical emergencies, funeral expenses, and marriage assistance for daughters.
What it actually costs you
Registration with the state labour board and valid employment proof.
Common gotcha
You must be a registered member of the board for at least 6 months before claiming benefits.

Mining Dependent Financial Relief

state · Directorate of Mines and Geology

Who qualifies
Dependents of deceased mining workers who were active prior to the mining ban.
What you get
Monthly pension support for widows and elderly parents.
What it actually costs you
Death certificate and proof of dependency.
Common gotcha
The application process is strictly audited; ensure all bank account details are linked to the state portal.

Living in Goa

Griha Aadhar Scheme

गृह आधार

state · Directorate of Women and Child Development

Who qualifies
Housewives/homemakers in families with limited income.
What you get
Monthly financial support of ₹1,500 to meet rising household costs.
What it actually costs you
Income certificate below the prescribed limit and residence proof.
Common gotcha
The annual income limit is strictly enforced; updates must be filed if your income bracket changes.

Dayanand Social Security Scheme (DSSS)

दयानंद सामाजिक सुरक्षा योजना

state · Directorate of Social Welfare

Who qualifies
Senior citizens, widows, and persons with disabilities in Goa.
What you get
Monthly pension ranging from ₹2,000 to ₹3,500 depending on the category.
What it actually costs you
Age proof, residence proof (15 years in Goa), and medical certificates for disability.
Common gotcha
The 15-year residency requirement is non-negotiable and strictly verified.

Goa Housing Board Low Income Scheme

state · Goa Housing Board

Who qualifies
Permanent residents of Goa without a pucca house.
What you get
Subsidized housing plots or construction loans.
What it actually costs you
Application fee and proof of landlessness.
Common gotcha
Waitlists are long; keep track of your application ID on the board's portal.
Gujaratગુજરાત

Gujarat provides specific welfare boards and safety nets for industrial and mining workers, ensuring access to housing and education for families in mining-heavy districts.

Support for my family and health

Gujarat Labour Welfare Board Scholarship

ગુજરાત શ્રમ કલ્યાણ બોર્ડ શિષ્યવૃત્તિ

state · Gujarat Labour Welfare Board

Who qualifies
Children of registered industrial/mining workers.
What you get
Annual financial assistance ranging from ₹1,000 to ₹10,000 based on the level of education.
What it actually costs you
Requires labour card, school bonafide certificate, and bank details; usually applied online.
Common gotcha
The application window is very short; missing the deadline means waiting for the next academic year.

Mukhyamantri Amrutum (MA) Yojana

મુખ્યમંત્રી અમૃતમ યોજના

state · Health and Family Welfare Department

Who qualifies
Lower-middle-class families with annual income below ₹4 lakh.
What you get
Cashless medical treatment up to ₹5 lakh per family per year in empanelled hospitals.
What it actually costs you
Income certificate and ration card; needs to be renewed periodically.
Common gotcha
Many people confuse this with the national Ayushman Bharat; this is a state-specific top-up/alternative that covers more local hospitals.

Shramik Annapurna Yojana

શ્રમિક અન્નપૂર્ણા યોજના

state · Labour and Employment Department

Who qualifies
Construction and mining workers registered with the board.
What you get
Nutritious lunch at a highly subsidized rate of ₹5 per meal.
What it actually costs you
e-Nirman card required to access the mobile food vans or centers.
Common gotcha
Only available at designated sites; you must carry your physical worker card.

Building a home for my family

Gujarat Housing Board Affordable Housing

ગુજરાત આવાસ બોર્ડ

state · Gujarat Housing Board

Who qualifies
Economically Weaker Sections (EWS) and Low Income Group (LIG) residents of Gujarat.
What you get
Subsidized housing units in state-developed colonies.
What it actually costs you
Registration fee varies; requires domicile certificate and income proof.
Common gotcha
Allotment is done via a lottery system; the waitlist can be very long.

Gujarat Electricity Bill Subsidy for Workers

વીજળી બિલ સહાય

state · Gujarat Urja Vikas Nigam Ltd

Who qualifies
Registered labourers living in specific industrial clusters.
What you get
Direct subsidy on electricity bills for low-consumption households.
What it actually costs you
Linked directly to your electricity consumer number; no separate application usually needed.
Common gotcha
Only applies to domestic connections, not workshops or sheds.
Himachal Pradeshहिमाचल प्रदेश

Himachal provides specific welfare boards for construction and mine workers that offer unique medical, educational, and marriage assistance benefits beyond central schemes.

Support for my family and trade

HP Building and Other Construction Workers Welfare Board Benefits

हिमाचल प्रदेश भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड

state · Labour and Employment Department

Who qualifies
Registered workers engaged in mining or construction for at least 90 days in the last year.
What you get
Financial assistance for marriage, maternity, funeral, and death/disability compensation.
What it actually costs you
Annual renewal fee of ₹20; requires labour card and bank passbook.
Common gotcha
The 90-day work certificate must be signed by the employer or contractor to be valid.

Shagun Yojana

शगुन योजना

state · Department of Social Justice and Empowerment

Who qualifies
Daughters of registered construction and mine workers.
What you get
₹51,000 as a marriage grant.
What it actually costs you
Application within 6 months of marriage; requires marriage certificate and worker registration.
Common gotcha
Only applicable for the first two daughters.

Education Scholarship for Children of Workers

state · HP BOCW Welfare Board

Who qualifies
Children of registered workers studying from class 1 to professional degrees.
What you get
Annual scholarship ranging from ₹3,000 to ₹1,00,000 depending on the course.
What it actually costs you
Bonafide certificate from school and worker registration card.
Common gotcha
Must apply every academic year; arrears are not paid.

Medical Assistance Scheme

state · HP BOCW Welfare Board

Who qualifies
Registered workers and their dependent family members.
What you get
Reimbursement for major surgeries and long-term hospitalization costs.
What it actually costs you
Original medical bills and discharge summary from a government-recognized hospital.
Common gotcha
Private hospital bills are only accepted if referred by a government hospital.

Living in the hills

Mukhya Mantri Grihini Suvidha Yojana

मुख्यमंत्री गृहिणी सुविधा योजना

state · Department of Food, Civil Supplies and Consumer Affairs

Who qualifies
Families without an LPG connection who are not covered by the central Ujjwala scheme.
What you get
Free LPG stove and cylinder connection.
What it actually costs you
Aadhaar card and ration card; no processing fee.
Common gotcha
Often confused with the central Ujjwala scheme; if you have Ujjwala, you don't get this.

HIMCARE

हिमकेयर

state · Department of Health and Family Welfare

Who qualifies
Families not covered under the central Ayushman Bharat scheme.
What you get
Cashless treatment up to ₹5 lakh per year per family.
What it actually costs you
Premium of ₹250 to ₹1,000 depending on category; requires ration card.
Common gotcha
Registration is only open for a specific window each year.

HRTC Bus Fare Concession

state · Himachal Road Transport Corporation

Who qualifies
Residents of Himachal Pradesh.
What you get
50% discount on bus fares for women and various concessions for students/workers.
What it actually costs you
Requires a valid Himachali Bonafide certificate or state-issued ID.
Common gotcha
Concession is only valid on HRTC buses, not private operators.
Haryanaहरियाणा

Haryana offers specialized welfare boards and labor cesses specifically for construction and mine workers that provide significant financial buffers for families in hazardous industries.

Safety nets for my family

Haryana Labour Welfare Board Scholarship Scheme

हरियाणा श्रम कल्याण बोर्ड छात्रवृत्ति योजना

state · Haryana Labour Welfare Board

Who qualifies
Children of registered construction or mine workers studying from class 9 to post-graduation.
What you get
Annual scholarship ranging from ₹3,000 to ₹16,000 depending on the course.
What it actually costs you
Registration on the Labour Department portal, copy of Labour Card, and school bonafide certificate.
Common gotcha
You must renew your Labour Card annually to remain eligible for the scholarship payout.

Financial Assistance for Marriage of Daughters

कन्यादान योजना

state · Haryana Labour Welfare Board

Who qualifies
Registered workers with at least 1 year of membership for the marriage of their daughters.
What you get
Financial grant of ₹51,000 to ₹1,00,000 for marriage expenses.
What it actually costs you
Marriage invitation card, birth certificate of daughter, and Labour Card.
Common gotcha
Application must be submitted within 6 months of the marriage date.

Cycle Purchase Assistance

साइकिल खरीद सहायता

state · Haryana Labour Welfare Board

Who qualifies
Registered workers who have completed 6 months of membership.
What you get
Reimbursement of up to ₹3,000 for the purchase of a new bicycle.
What it actually costs you
Original purchase bill and self-declaration of not having received this benefit before.
Common gotcha
Only one cycle per worker is allowed during the entire period of registration.

Medical Assistance for Workers

श्रमिक चिकित्सा सहायता

state · Haryana Labour Welfare Board

Who qualifies
Registered workers and their dependents for treatment of serious illnesses.
What you get
Reimbursement of medical expenses up to ₹25,000 for specified ailments.
What it actually costs you
Medical bills, doctor's prescription, and hospital discharge summary.
Common gotcha
Treatment must be taken in a government-approved hospital to qualify for reimbursement.

Help with home and living

Housing Subsidy for Registered Workers

श्रमिक आवास सहायता

state · Haryana Labour Welfare Board

Who qualifies
Registered workers who have been members for at least 3 years and do not own a house.
What you get
Grant of ₹1,50,000 for construction or renovation of a house.
What it actually costs you
Land ownership documents or proof of legal possession, and Labour Card.
Common gotcha
The house must be in the name of the worker or their spouse.

Solar Water Heater/Lighting Subsidy

सौर ऊर्जा सब्सिडी

state · Haryana Renewable Energy Development Agency (HAREDA)

Who qualifies
Haryana residents installing solar systems for domestic use.
What you get
State-level subsidy top-up on top of central MNRE incentives.
What it actually costs you
Installation through an empanelled vendor and online registration.
Common gotcha
Subsidy is only released after physical inspection by the district HAREDA office.
Jharkhandझारखंड

Jharkhand is the heart of India's mineral belt, and for a miner like Aryan, the state provides specific welfare boards and housing support designed to offset the harsh realities of life in the coal and iron ore mines.

Support for my life in the mines

Jharkhand Mine Workers Welfare Board Assistance

झारखंड खदान श्रमिक कल्याण बोर्ड सहायता

state · Department of Labour, Employment and Training

Who qualifies
Registered mine workers in Jharkhand with a valid labour card.
What you get
Financial assistance for medical treatment, funeral expenses, and tool kits.
What it actually costs you
Registration fee of ₹50, requires employment certificate from mine owner.
Common gotcha
Many workers forget to renew their registration annually, leading to claim rejection.

Jharkhand State Housing Subsidy for Mine Workers

झारखंड राज्य खदान श्रमिक आवास योजना

state · Jharkhand State Housing Board

Who qualifies
Permanent mine workers without a pucca house in their name.
What you get
Subsidy of ₹1.5 lakh for construction of a home.
What it actually costs you
Land ownership documents and proof of 5 years of mining service.
Common gotcha
The land must be legally titled in the applicant's name to qualify.

Jharkhand Mine Worker Children Scholarship

खदान श्रमिक बच्चों के लिए छात्रवृत्ति

state · Jharkhand Labour Welfare Commission

Who qualifies
Children of registered mine workers studying in Class 6 to PG level.
What you get
Annual stipend ranging from ₹3,000 to ₹15,000 based on the course level.
What it actually costs you
School bonafide certificate and parent's labour card.
Common gotcha
Applications must be submitted within 3 months of the academic session start.

Jharkhand Mine Accident Relief Fund

झारखंड खदान दुर्घटना राहत कोष

state · Directorate of Mines

Who qualifies
Any miner injured while on duty in a registered Jharkhand mine.
What you get
Ex-gratia payment of up to ₹2 lakh for permanent disability or death.
What it actually costs you
FIR copy and medical board certificate.
Common gotcha
Must be reported to the local mining inspector within 48 hours of the incident.

Making ends meet at home

Jharkhand Green Ration Card Scheme

झारखंड हरा राशन कार्ड योजना

state · Department of Food, Public Distribution and Consumer Affairs

Who qualifies
Families not covered under the National Food Security Act (NFSA).
What you get
5kg of food grains per person per month at ₹1 per kg.
What it actually costs you
Aadhaar card and income certificate.
Common gotcha
It is a state-specific top-up; if you already have a yellow/white card, you don't need this.

Jharkhand 100 Units Free Electricity Scheme

झारखंड 100 यूनिट मुफ्त बिजली योजना

state · Jharkhand Bijli Vitran Nigam Limited

Who qualifies
Domestic consumers with a sanctioned load of up to 1kW.
What you get
First 100 units of electricity consumption are free of cost.
What it actually costs you
Consumer number and latest electricity bill.
Common gotcha
If you exceed 100 units, you pay for the full amount, not just the excess.

Jharkhand Student Cycle Distribution

झारखंड साइकिल वितरण योजना

state · Department of School Education and Literacy

Who qualifies
Students of government schools in Class 8.
What you get
A new bicycle to commute to school.
What it actually costs you
School attendance record and caste certificate.
Common gotcha
Often delayed; keep checking with the school principal.
Jammu and Kashmirجموں و کشمیر

As a miner in the difficult terrain of J&K, you benefit from specific state-level welfare boards and regional labor protections designed for the unique challenges of the Himalayan geography.

Support for my family and safety

J&K Building and Other Construction Workers Welfare Board Benefits

جے اینڈ کے بلڈنگ اینڈ ادر کنسٹرکشن ورکرز ویلفیئر بورڈ

state · Department of Labour and Employment

Who qualifies
Registered workers engaged in mining or construction for at least 90 days.
What you get
Financial assistance for children's education, medical treatment, and death/disability compensation.
What it actually costs you
Annual membership fee of ₹20; requires Aadhaar, bank passbook, and proof of employment.
Common gotcha
The registration must be renewed annually to keep claiming benefits.

SEHAT Scheme (Ayushman Bharat Top-up)

صحت اسکیم

state · State Health Agency J&K

Who qualifies
All residents of J&K who do not have full coverage under national schemes.
What you get
Cashless health insurance cover of ₹5 lakh per family per year.
What it actually costs you
Free; requires Golden Card generated via CSC centers.
Common gotcha
Even if you have a national health card, you must specifically register for the SEHAT portal to get the state top-up.

J&K Labour Accident Relief Fund

state · Department of Labour

Who qualifies
Registered miners/workers who suffer accidents during the course of employment.
What you get
Ex-gratia payment for permanent disability or death while on duty.
What it actually costs you
FIR copy, medical report, and employer certification of accident.
Common gotcha
Must be reported within 48 hours to the local Labour Office.

Help with daily expenses and tools

State Artisan and Worker Tool Kit Subsidy

state · Directorate of Industries and Commerce

Who qualifies
Registered laborers and small-scale miners needing specialized equipment.
What you get
50% subsidy on the purchase of approved safety gear and mining tools.
What it actually costs you
GST invoice and recommendation from the local District Industries Centre.
Common gotcha
Only valid for tools purchased from government-empanelled vendors.

Winter Fuel Support Grant

state · Department of Food, Civil Supplies and Consumer Affairs

Who qualifies
Low-income families residing in high-altitude mining zones.
What you get
Direct Benefit Transfer (DBT) for heating fuel during harsh winter months.
What it actually costs you
Requires Domicile Certificate and Ration Card.
Common gotcha
The disbursement often happens in November, so apply by September.
Karnatakaಕರ್ನಾಟಕ

Karnataka provides specific welfare boards for mine workers and unique state-level transport and electricity subsidies that help manage the high cost of living in mining hubs like Bellary.

Support for my life in the mines

Karnataka Building and Other Construction Workers Welfare Board Benefits

ಕರ್ನಾಟಕ ರಾಜ್ಯ ಕಟ್ಟಡ ಮತ್ತು ಇತರೆ ನಿರ್ಮಾಣ ಕಾರ್ಮಿಕರ ಕಲ್ಯಾಣ ಮಂಡಳಿ

state · Labour Department, Government of Karnataka

Who qualifies
Registered workers aged 18-60 who have worked 90 days in the last year.
What you get
Financial assistance for marriage, maternity, education of children, and death/funeral benefits.
What it actually costs you
Annual renewal fee of ₹25; requires Aadhaar, bank passbook, and self-declaration of work.
Common gotcha
Many workers forget to renew their registration annually, which makes them ineligible for claims.

Karnataka Accident Relief Fund for Unorganized Workers

state · Labour Department

Who qualifies
Unorganized sector workers including small-scale mine laborers not covered by ESI.
What you get
Up to ₹2,00,000 in case of accidental death or permanent disability.
What it actually costs you
Free; requires FIR copy, post-mortem report, and death certificate.
Common gotcha
Must be reported within 30 days of the incident to be considered for the claim.

Keeping the household running

Gruha Jyothi Scheme

ಗೃಹ ಜ್ಯೋತಿ

state · Energy Department, Government of Karnataka

Who qualifies
All domestic electricity consumers in Karnataka.
What you get
Free electricity up to 200 units per month based on average consumption.
What it actually costs you
Zero; requires Aadhaar and electricity meter ID (RR number).
Common gotcha
The benefit is calculated based on the average consumption of the previous year plus 10%.

Anna Bhagya Scheme

ಅನ್ನಭಾಗ್ಯ

state · Food and Civil Supplies Department

Who qualifies
BPL and Antyodaya card holders.
What you get
Direct Benefit Transfer (DBT) of cash in lieu of additional 5kg of rice per person.
What it actually costs you
Free; requires an active Ration Card linked with Aadhaar and bank account.
Common gotcha
The bank account must be NPCI-mapped to receive the DBT cash transfer.

Shakti Scheme

ಶಕ್ತಿ ಯೋಜನೆ

state · Karnataka State Road Transport Corporation (KSRTC)

Who qualifies
Women residents of Karnataka.
What you get
Free travel in non-luxury government buses across the state.
What it actually costs you
Zero; requires a Shakti Smart Card applied for via Seva Sindhu.
Common gotcha
Valid only in state-run buses, not private or inter-state luxury services.
Keralaകേരളം

Kerala provides robust social security and welfare boards specifically for workers in the unorganized sector, including mining and quarrying, ensuring better protection than most other states.

Safety nets for my family

Kerala State Welfare Board for Workers in Unorganized Sector

കേരള സംസ്ഥാന അസംഘടിത തൊഴിലാളി ക്ഷേമനിധി ബോർഡ്

state · Labour and Skills Department

Who qualifies
Workers in the unorganized sector including quarry and mining helpers aged 18-60.
What you get
Pension, medical assistance, education grants for children, and marriage assistance.
What it actually costs you
Small monthly contribution; requires Aadhaar, bank passbook, and employment certificate.
Common gotcha
You must renew your membership annually to remain eligible for benefits.

Kerala State Accident Relief Scheme

state · Labour Department

Who qualifies
Registered workers who suffer work-related injuries or death.
What you get
Ex-gratia payment ranging from ₹50,000 to ₹5,00,000 depending on the severity of injury.
What it actually costs you
FIR copy, medical certificate, and death certificate if applicable.
Common gotcha
Application must be submitted within 6 months of the accident.

Kerala Labour Welfare Fund Medical Assistance

state · Kerala Labour Welfare Fund Board

Who qualifies
Registered members facing major illness or surgery.
What you get
Reimbursement for hospital expenses up to ₹25,000.
What it actually costs you
Hospital bills and doctor's prescription; processing can take 3-4 months.
Common gotcha
Only covers specific listed diseases; check the list before applying.

Kerala Labour Welfare Fund Scholarship

state · Kerala Labour Welfare Fund Board

Who qualifies
Children of registered workers studying in professional or degree courses.
What you get
Annual scholarship ranging from ₹2,000 to ₹10,000.
What it actually costs you
Bonafide certificate from college and mark sheets.
Common gotcha
Only for students with a minimum of 50% marks in the previous year.

Help with home and basic needs

LIFE Mission Housing Scheme

ലൈഫ് മിഷൻ

state · Local Self Government Department

Who qualifies
Landless or homeless workers with low income.
What you get
Financial assistance of ₹4,00,000 to construct a house.
What it actually costs you
Land ownership documents or 'no land' certificate from the village office.
Common gotcha
High demand means long waiting lists; prioritize local Grama Sabha meetings.

Kerala State Ration Card (Priority Household)

state · Civil Supplies Department

Who qualifies
Low-income families identified by the state government.
What you get
Subsidized rice, wheat, and kerosene through PDS shops.
What it actually costs you
Application via Akshaya center; requires income certificate.
Common gotcha
Linking Aadhaar with the ration card is mandatory for monthly collection.

Kerala Labour Welfare Board Marriage Assistance

state · Kerala Labour Welfare Fund Board

Who qualifies
Registered workers for the marriage of their daughters.
What you get
One-time grant of ₹10,000.
What it actually costs you
Marriage certificate and proof of registration.
Common gotcha
Must be a member for at least 3 years to qualify.
Ladakhལ་དྭགས་

Ladakh's unique high-altitude terrain and climate make state-specific support for remote workers and local industry essential for survival and growth.

Keeping the home fires burning

Ladakh Winter Fuel Subsidy

state · Department of Food, Civil Supplies and Consumer Affairs

Who qualifies
Permanent residents of Ladakh facing extreme winter temperatures.
What you get
Subsidized rates on kerosene and heating oil during the winter months.
What it actually costs you
Requires proof of residency and ration card; distributed through local depots.
Common gotcha
Supply is often delayed due to road closures at Zojila Pass.

Pashmina Wool Development Scheme

state · Department of Industries and Commerce

Who qualifies
Traditional nomadic herders and wool processors.
What you get
Financial assistance for de-hairing machines and market access support.
What it actually costs you
Requires registration with the local cooperative society.
Common gotcha
The scheme focuses heavily on quality certification, which can be rigorous.

Ladakh Solar Home Lighting Subsidy

state · Ladakh Renewable Energy Development Agency (LREDA)

Who qualifies
Households in remote areas not connected to the main grid.
What you get
Up to 70% subsidy on solar lighting kits and small home appliances.
What it actually costs you
Application through the district office with land ownership documents.
Common gotcha
Maintenance of batteries in sub-zero temperatures is the owner's responsibility.

Staying healthy in the high mountains

Ladakh Medical Evacuation Assistance

state · Health and Medical Education Department

Who qualifies
Residents requiring emergency air evacuation to Srinagar or Delhi for critical care.
What you get
Partial reimbursement of air ambulance costs for medical emergencies.
What it actually costs you
Requires medical referral from the District Hospital and proof of income.
Common gotcha
Claims must be filed within 30 days of the incident.

Ladakh High Altitude Hardship Allowance

state · Ladakh Administration

Who qualifies
State government employees and contract workers stationed at high-altitude posts.
What you get
Monthly cash allowance added to salary to cover cost-of-living in remote areas.
What it actually costs you
Automatic based on posting location; verified by department head.
Common gotcha
Transfers to lower altitude areas result in immediate cessation of the allowance.
Lakshadweepലക്ഷദ്വീപ്

As a miner or construction worker in the islands, you rely on the administration's support for housing, local transport, and island-specific welfare that accounts for the unique geography of Lakshadweep.

Making life on the islands easier

Lakshadweep Housing Scheme

ലക്ഷദ്വീപ് ഭവന പദ്ധതി

state · Department of Rural Development, Lakshadweep

Who qualifies
Permanent residents of Lakshadweep who do not own a concrete house.
What you get
Financial assistance for construction of a new house or renovation of an existing one.
What it actually costs you
Land ownership documents and local panchayat verification; processing takes several months.
Common gotcha
The subsidy amount is often released in phases based on construction progress, not as a lump sum.

Inter-Island Transport Subsidy

state · Lakshadweep Administration

Who qualifies
Local residents traveling between islands for work or medical needs.
What you get
Subsidized boat and ferry tickets for inter-island travel.
What it actually costs you
Resident ID card (Aadhaar linked to local address).
Common gotcha
Priority is given to medical emergencies, so regular commuters may face delays during peak seasons.

Lakshadweep Electricity Tariff Concession

state · Electricity Department, Lakshadweep

Who qualifies
All residential households in the islands.
What you get
Lower electricity rates compared to mainland commercial tariffs.
What it actually costs you
Standard electricity connection application.
Common gotcha
Power cuts are frequent due to reliance on diesel generators; keep a backup light source.

Lakshadweep Cooperative Bank Personal Loan

state · Lakshadweep State Cooperative Bank

Who qualifies
Residents with a stable income or local employment.
What you get
Low-interest loans for personal needs or small home improvements.
What it actually costs you
Local guarantor required; processing time is 2-4 weeks.
Common gotcha
Loan approval is highly dependent on the local branch manager's assessment of your island residency status.

Supporting my work and family

Lakshadweep Labour Welfare Board Assistance

state · Department of Labour, Lakshadweep

Who qualifies
Registered construction and manual workers in the islands.
What you get
One-time grants for marriage, education of children, and medical emergencies.
What it actually costs you
Registration with the local labour office; requires proof of employment.
Common gotcha
You must renew your registration annually to remain eligible for benefits.

Medical Referral Travel Grant

state · Department of Health, Lakshadweep

Who qualifies
Patients referred from island hospitals to mainland (Kochi) hospitals.
What you get
Financial support for travel expenses and stay for the patient and one attendant.
What it actually costs you
Official referral letter from the island medical officer.
Common gotcha
Reimbursement is processed only after returning and submitting original travel receipts.

Lakshadweep Skill Development Initiative

state · Department of Skill Development

Who qualifies
Unemployed youth and workers looking to upgrade their trade skills.
What you get
Free vocational training in trades like masonry, electrical work, and plumbing.
What it actually costs you
Application form and basic educational certificates.
Common gotcha
Training batches are small and fill up quickly; check notice boards at the local administrative office.

Lakshadweep Cyclone Relief Fund

state · District Disaster Management Authority

Who qualifies
Residents whose property or livelihood is damaged by cyclones or heavy storms.
What you get
Emergency financial aid and compensation for loss of assets.
What it actually costs you
Damage assessment report from the local village level officer.
Common gotcha
Documentation of damage (photos/videos) is crucial for a successful claim.
Maharashtraमहाराष्ट्र

Maharashtra offers specific welfare boards for mine workers and unique industrial safety benefits that provide a critical safety net for those working in the state's coal and mineral belts.

Support for my family and health

Mathadi and Unprotected Workers Welfare Board Schemes

महाराष्ट्र माथाडी आणि असुरक्षित कामगार कल्याण मंडळ

state · Department of Labour, Government of Maharashtra

Who qualifies
Registered mine-adjacent manual laborers and unprotected workers in Maharashtra.
What you get
Requires registration with the local Mathadi board, proof of employment, and Aadhaar.
Common gotcha
Registration is often delayed; ensure your employer contributes to the cess fund regularly.

Shramik Annapurna Yojana

श्रमिक अन्नपूर्णा योजना

state · Maharashtra Building and Other Construction Workers Welfare Board

Who qualifies
Registered mine and construction workers in the state.
What you get
Requires a valid worker registration card issued by the state board.
Common gotcha
Only available at designated 'Shramik' canteens in industrial clusters.

Mahatma Jyotirao Phule Jan Arogya Yojana (State Top-up)

महात्मा ज्योतिराव फुले जन आरोग्य योजना

state · State Health Assurance Society

Who qualifies
Families with an annual income below ₹1 lakh (extended to all in MH).
What you get
Requires Yellow or Orange Ration Card; stacks on top of national PMJAY.
Common gotcha
Many private hospitals claim they are full; check the empanelled list on the portal first.

Dr. Panjabrao Deshmukh Vasatigruha Nirvah Bhatta Yojana

डॉ. पंजाबराव देशमुख वसतिगृह निर्वाह भत्ता योजना

state · Directorate of Higher Education, Maharashtra

Who qualifies
Children of registered mine/construction workers pursuing higher education.
What you get
Requires domicile certificate and proof of parent's worker registration.
Common gotcha
Must apply via the MahaDBT portal during the specific academic window.

Making ends meet at home

Ramai Awas Yojana

रमाई आवास योजना

state · Social Justice Department, Maharashtra

Who qualifies
SC/ST families living in kutcha houses or without land.
What you get
Requires land ownership proof and caste certificate.
Common gotcha
The grant is released in installments linked to construction stages.

Shiv Bhojan Thali

शिवभोजन थाळी

state · Food, Civil Supplies and Consumer Protection Department

Who qualifies
All citizens of Maharashtra, especially daily wage earners.
What you get
No documents needed, just visit a designated center.
Common gotcha
Limited daily quota per center; arrive before 2 PM.

State-Specific PDS Ration Top-up

सार्वजनिक वितरण प्रणाली

state · Maharashtra Food and Civil Supplies

Who qualifies
Priority household ration card holders in Maharashtra.
What you get
Requires valid Ration Card linked with Aadhaar.
Common gotcha
Ensure your biometric e-KYC is updated at the local ration shop.
Meghalaya

Meghalaya's unique land ownership laws and mining-dependent economy make local welfare boards and state-specific health top-ups critical for miners and their families.

Keeping my family healthy and safe

Megha Health Insurance Scheme (MHIS)

Megha Health Insurance Scheme

state · Meghalaya Health Insurance Society

Who qualifies
All residents of Meghalaya who are not covered by central government health schemes.
What you get
Cashless health insurance coverage up to ₹5 lakh per family per year.
What it actually costs you
Registration fee of ₹30; requires Aadhaar and family ration card.
Common gotcha
Must ensure your name is correctly listed in the MHIS database before an emergency occurs.

Chief Minister's Cancer Relief Fund

state · Department of Health and Family Welfare

Who qualifies
Any resident of Meghalaya diagnosed with cancer.
What you get
One-time financial assistance of ₹25,000 for treatment expenses.
What it actually costs you
Medical reports, diagnosis certificate, and income proof; takes 2-4 weeks.
Common gotcha
The relief is a one-time payment, not a recurring monthly stipend.

Support for my work and daily life

Meghalaya Building and Other Construction Workers Welfare Board

state · Labour Department

Who qualifies
Workers engaged in construction or mining-related infrastructure work for at least 90 days in the last year.
What you get
Financial assistance for children's education, medical expenses, and funeral grants.
What it actually costs you
Registration fee of ₹20 and annual renewal; requires employer certificate.
Common gotcha
Many miners forget to renew their registration annually, which voids benefits.

Chief Minister's Youth Development Scheme

state · Sports and Youth Affairs Department

Who qualifies
Youth aged 15-29 years residing in Meghalaya.
What you get
Grants for sports equipment, skill development training, and community youth club support.
What it actually costs you
Application through local youth clubs; requires age proof and residence certificate.
Common gotcha
Funds are often routed through registered youth clubs, not individuals directly.

Meghalaya State Transport Subsidy for Students

state · Transport Department

Who qualifies
Students from low-income families attending government schools.
What you get
Subsidized bus passes for daily commute to school.
What it actually costs you
School ID card and income certificate; issued at transport offices.
Common gotcha
The pass must be renewed every semester.
Manipurমণিপুর

Manipur's unique terrain and focus on hill-area development provide specific support for laborers and small-scale miners working in difficult, rugged environments.

Safety and support for my family

Manipur Building and Other Construction Workers Welfare Board

মণিপুর বিল্ডিং এণ্ড আদার কনস্ট্রাকশন ওয়ার্কার্স ওয়েলফেয়ার বোর্ড

state · Labour Department, Manipur

Who qualifies
Workers engaged in construction or mining-related infrastructure for at least 90 days in the last year.
What you get
Financial assistance for medical treatment, education scholarships for children, and death/disability benefits.
What it actually costs you
Registration fee of ₹20, annual renewal fee of ₹120, and proof of work certificate.
Common gotcha
You must renew your membership annually or you lose eligibility for the death benefit.

Chief Minister's Hakshelgi Tengbang (CMHT)

চিফ মিনিস্টারস হাকশেলগী তেংবাং

state · State Health Society, Manipur

Who qualifies
Low-income families not covered by the national Ayushman Bharat scheme.
What you get
Cashless treatment up to ₹2 lakh per family per year in empanelled hospitals.
What it actually costs you
Aadhaar card, income certificate, and ration card; zero enrollment fee.
Common gotcha
This is a top-up; if you already have Ayushman Bharat, you cannot claim double, but it covers gaps in coverage.

Manipur State Disaster Relief Fund (Ex-gratia)

state · Department of Relief and Disaster Management

Who qualifies
Workers injured or deceased during work-related accidents in hazardous sites.
What you get
Ex-gratia payment ranging from ₹50,000 to ₹4 lakh depending on the severity of the incident.
What it actually costs you
FIR copy, death certificate or medical report, and verification by local authorities.
Common gotcha
The claim must be filed within 30 days of the incident to be considered valid.

Extra help for my daily life

Hill Areas Development Programme (HADP) Support

state · Directorate of Tribal Affairs and Hills

Who qualifies
Residents of designated hill districts engaged in manual labor or small-scale extraction.
What you get
Subsidized tools and equipment for small-scale land management and transport.
What it actually costs you
Application through the local District Council office; requires domicile certificate.
Common gotcha
Distribution is often seasonal and dependent on local council budget cycles.

Manipur Society for Skill Development (MSSD) Training

মণিপুর সোসাইটি ফর স্কিল ডেভেলপমেন্ট

state · Skill Development Department

Who qualifies
Unemployed youth and laborers looking to switch to safer, technical mining or construction roles.
What you get
Free vocational training in machine operation and safety protocols with certification.
What it actually costs you
Aadhaar card and educational qualification proof; no fee for training.
Common gotcha
Training batches fill up quickly; check the portal regularly for new course announcements.
Madhya Pradeshमध्य प्रदेश

Madhya Pradesh has a massive mining belt where state-specific welfare boards and labor safety nets are critical for miners working in coal and manganese sectors.

Support for us in the mines

MP Labour Welfare Board Education Scholarship

म.प्र. श्रम कल्याण मंडल छात्रवृत्ति

state · Madhya Pradesh Labour Welfare Board

Who qualifies
Children of registered mine workers enrolled in schools or colleges.
What you get
Annual scholarship ranging from ₹1,500 to ₹10,000 based on the course level.
What it actually costs you
Requires Labour Welfare Board registration card and school bonafide certificate.
Common gotcha
The application window is very short; keep your registration updated annually.

Mukhyamantri Shramik Sewa Prasuti Sahayata Yojana

मुख्यमंत्री श्रमिक सेवा प्रसूति सहायता योजना

state · Department of Labour, MP

Who qualifies
Registered female mine workers or wives of registered workers during pregnancy.
What you get
Financial assistance of ₹16,000 for institutional delivery and maternity care.
What it actually costs you
Requires hospital discharge summary and active labour registration.
Common gotcha
Must be registered at least 90 days before the delivery date.

Antyeshti Sahayata Yojana

state · MP Building and Other Construction/Mine Workers Board

Who qualifies
Family of a registered mine worker in the event of death.
What you get
Immediate funeral assistance of ₹10,000.
What it actually costs you
Death certificate and registration card copies.
Common gotcha
Must be claimed within 30 days of the incident.

Keeping the family healthy and fed

Mukhyamantri Jan Kalyan (Sambal) Yojana

मुख्यमंत्री जनकल्याण (संबल) योजना

state · Department of Labour, MP

Who qualifies
Unorganized sector workers, including small-scale mine laborers.
What you get
Subsidized electricity bills and accident insurance cover.
What it actually costs you
Online registration via Samagra ID.
Common gotcha
Your electricity connection must be in your own name to get the subsidy.

Annapurna Yojana

अन्नपूर्णा योजना

state · Food and Civil Supplies Department, MP

Who qualifies
Low-income families holding BPL or Antyodaya cards.
What you get
Subsidized food grains (wheat/rice) at ₹1 per kg.
What it actually costs you
Must have an active Ration Card linked to Aadhaar.
Common gotcha
Biometric authentication at the fair price shop often fails; keep your mobile number updated.

State Health Insurance Top-up

state · State Health Agency, MP

Who qualifies
PMJAY beneficiaries residing in MP.
What you get
Additional coverage for specific state-identified critical illnesses not fully covered by the national scheme.
What it actually costs you
Requires Ayushman card.
Common gotcha
Check if your local hospital is empanelled specifically for the state-topup list.
Mizoram

Mizoram offers specific support for local laborers and small-scale miners through state-led welfare boards and land-use policies that prioritize indigenous community rights.

Support for my daily grind

Mizoram Building and Other Construction Workers Welfare Board Benefits

Mizoram Building and Other Construction Workers Welfare Board

state · Labour, Employment, Skill Development & Entrepreneurship Department

Who qualifies
Registered construction and quarry workers aged 18-60.
What you get
Financial assistance for medical treatment, funeral expenses, and education scholarships for children.
What it actually costs you
Annual membership fee of ₹20; requires registration card and bank account.
Common gotcha
You must renew your registration annually to keep receiving benefits.

State Accident Relief Fund

state · Department of Labour

Who qualifies
Registered workers who suffer permanent disability or death during work.
What you get
Ex-gratia payment ranging from ₹50,000 to ₹2,00,000 depending on the severity.
What it actually costs you
Requires FIR copy, medical certificate, and death certificate if applicable.
Common gotcha
Claims must be filed within 6 months of the incident.

My land and my tools

Mizoram Land Revenue and Settlement Assistance

state · Land Revenue and Settlement Department

Who qualifies
Local residents holding land for small-scale extraction or agricultural use.
What you get
Subsidized land survey and documentation fees for legalizing small plots.
What it actually costs you
Application fee varies; requires local village council certificate.
Common gotcha
Must ensure land is not in a protected forest zone.

Mizoram State Skill Development Mission Training

state · MSSDM

Who qualifies
Unemployed youth and laborers looking for technical certification.
What you get
Free vocational training in masonry, machine operation, and safety protocols.
What it actually costs you
Zero cost; requires Aadhaar and local residency proof.
Common gotcha
Courses are batch-based; check the portal for current enrollment windows.
Nagaland

Nagaland's unique land ownership laws and tribal welfare focus mean miners often navigate community-led land usage agreements and state-specific vocational support for local resource extraction.

Making a living and learning new skills

Nagaland Skill Development Mission (NSDM) Training

state · Department of Labour and Employment, Skill Development and Entrepreneurship

Who qualifies
Unemployed youth and workers in the state looking for technical certification.
What you get
Free vocational training in trades including heavy machinery operation and mining safety.
What it actually costs you
Aadhaar card, local indigenous inhabitant certificate, and 2-3 months of time.
Common gotcha
Placement assistance is often limited to local industrial hubs; check if the trade is relevant to mining.

NSMDC Employment Assistance

state · Nagaland State Mineral Development Corporation

Who qualifies
Local residents living in areas with active mineral exploration.
What you get
Priority consideration for contractual work in state-managed mining projects.
What it actually costs you
Registration with the local district employment office and proof of residency.
Common gotcha
Often requires a 'No Objection Certificate' from the local Village Council.

Support from my community and tribe

Tribal Welfare Assistance Scheme

state · Department of Tribal Affairs

Who qualifies
Members of recognized Scheduled Tribes in Nagaland working in hazardous sectors.
What you get
One-time financial aid for medical emergencies or equipment loss.
What it actually costs you
ST certificate and a recommendation letter from the Village Council Chairman.
Common gotcha
The Village Council recommendation is mandatory and carries more weight than government documents.

Community Land Compensation Fund

state · Department of Geology and Mining

Who qualifies
Landowners or community members whose land is used for small-scale mining operations.
What you get
Royalty shares and surface damage compensation as per state mining policy.
What it actually costs you
Land ownership documents verified by the district administration.
Common gotcha
Disputes are usually settled by the traditional tribal courts, not civil courts.
Odishaଓଡ଼ିଶା

Odisha provides critical safety nets and welfare support for mining sector workers through dedicated welfare boards and state-specific housing and health initiatives.

Support for us in the mines

Odisha Mining Corporation Welfare Fund

state · Odisha Mining Corporation

Who qualifies
Workers employed in OMC-operated mines and their immediate family members.
What you get
Financial assistance for medical emergencies, funeral expenses, and vocational training for dependents.
What it actually costs you
Requires employment ID and proof of service; processed via local mine office.
Common gotcha
Often confused with national ESI; this is a supplementary fund specific to OMC sites.

Biju Swasthya Kalyan Yojana (BSKY)

ବିଜୁ ସ୍ୱାସ୍ଥ୍ୟ କଲ୍ୟାଣ ଯୋଜନା

state · Department of Health & Family Welfare

Who qualifies
Low-income families including mine workers holding BSKY cards.
What you get
Cashless treatment up to ₹5 lakh per annum in empanelled hospitals.
What it actually costs you
Requires BSKY card and Aadhaar; no application fee.
Common gotcha
Many assume it only works in government hospitals; it is valid in many private hospitals too.

Odisha Building & Other Construction Workers Welfare Board

state · Labour & ESI Department

Who qualifies
Workers engaged in mining-related construction activities for at least 90 days.
What you get
Educational scholarships for children, marriage assistance, and death benefits.
What it actually costs you
Registration fee of ₹20; requires employer certificate.
Common gotcha
You must renew your membership annually to keep benefits active.

Biju Pucca Ghar Yojana (Mining Areas)

ବିଜୁ ପକ୍କା ଘର ଯୋଜନା

state · Panchayati Raj & Drinking Water Department

Who qualifies
Kutcha house owners in mining-affected districts identified in the survey.
What you get
Financial grant of ₹1.2 lakh to ₹1.3 lakh for constructing a permanent house.
What it actually costs you
Requires land ownership proof; no cost to apply.
Common gotcha
Selection is based on the state-verified beneficiary list; you cannot apply individually without being on the list.

Taking care of the family

MAMATA Scheme

ମମତା ଯୋଜନା

state · Department of Women & Child Development

Who qualifies
Pregnant women (19+ years) for the first two live births.
What you get
Direct cash transfer of ₹5,000 in two installments for nutrition.
What it actually costs you
Requires bank account and ANC registration documents.
Common gotcha
Must be registered with the local Anganwadi worker before the third trimester.

State Food Security Scheme (SFSS)

ରାଜ୍ୟ ଖାଦ୍ୟ ସୁରକ୍ଷା ଯୋଜନା

state · Food Supplies & Consumer Welfare Department

Who qualifies
Families not covered under the national NFSA but meeting state poverty criteria.
What you get
5kg of rice per person per month at ₹1 per kg.
What it actually costs you
Ration card application; no fee.
Common gotcha
This is a state-specific safety net; if you have a national ration card, you are not eligible for this.

KALIA Scheme

କାଳିଆ ଯୋଜନା

state · Department of Agriculture & Farmers' Empowerment

Who qualifies
Small and marginal farmers, and landless agricultural households.
What you get
Financial assistance of ₹25,000 over 5 seasons for livelihood support.
What it actually costs you
Requires land records or proof of landless status.
Common gotcha
Often confused with PM-KISAN, but this is a separate state-funded transfer.
Punjabਪੰਜਾਬ

Punjab offers specific welfare boards for construction and mine workers, providing essential safety nets and financial aid for families in high-risk labor sectors.

Support for my family and safety at work

Punjab Building and Other Construction Workers Welfare Board Schemes

ਪੰਜਾਬ ਇਮਾਰਤ ਅਤੇ ਹੋਰ ਉਸਾਰੀ ਕਿਰਤੀ ਭਲਾਈ ਬੋਰਡ

state · Department of Labour, Punjab

Who qualifies
Registered construction and mine workers who have worked 90 days in the last year.
What you get
Financial assistance for marriage, maternity, education of children, and funeral expenses.
What it actually costs you
Annual membership renewal fee; requires Aadhaar, bank passbook, and work certificate.
Common gotcha
Registration must be renewed annually to remain eligible for benefits.

Ashirwad Scheme (Shagun)

ਆਸ਼ੀਰਵਾਦ ਸਕੀਮ

state · Department of Social Justice, Empowerment and Minorities

Who qualifies
Low-income families for the marriage of daughters.
What you get
Financial grant of ₹51,000 transferred directly to the bank account.
What it actually costs you
Application must be submitted before the wedding; requires income certificate.
Common gotcha
The application process is strictly time-bound; late applications are rejected.

Financial Assistance for Accidental Death/Disability

state · Punjab Labour Welfare Board

Who qualifies
Registered workers meeting with accidents during employment.
What you get
Ex-gratia payment ranging from ₹50,000 to ₹2,00,000 depending on injury severity.
What it actually costs you
FIR copy, medical report, and death/disability certificate required.
Common gotcha
Must be reported to the Labour Inspector within 30 days of the incident.

Bicycle Scheme for Workers

state · Punjab Building and Other Construction Workers Welfare Board

Who qualifies
Registered workers who do not own a bicycle.
What you get
A new bicycle or a cash subsidy to purchase one.
What it actually costs you
Proof of registration and a self-declaration of not owning a cycle.
Common gotcha
Only one cycle per family is permitted.

Health and school help for my kids

Ayushman Bharat Sarbat Sehat Bima Yojana

ਸਰਬੱਤ ਸਿਹਤ ਬੀਮਾ ਯੋਜਨਾ

state · Punjab Health Systems Corporation

Who qualifies
Families not covered under national PMJAY but meeting state income criteria.
What you get
Cashless health insurance cover of ₹5 lakh per family per year.
What it actually costs you
e-card generation at a Common Service Centre (CSC).
Common gotcha
This is a top-up/extension; check if your family is already covered by the national scheme first.

Post-Matric Scholarship for SC/OBC Students

state · Department of Welfare of SCs and BCs

Who qualifies
Children of workers belonging to SC/OBC categories pursuing post-matric education.
What you get
Full tuition fee waiver and maintenance allowance.
What it actually costs you
Income certificate and caste certificate required annually.
Common gotcha
Direct Benefit Transfer (DBT) delays are common; keep school fee receipts safe.

Dr. Hargobind Khurana Scholarship

ਡਾ. ਹਰਗੋਬਿੰਦ ਖੁਰਾਣਾ ਸਕਾਲਰਸ਼ਿਪ

state · Punjab School Education Board

Who qualifies
Students scoring 80% or above in Class 10th/12th in government schools.
What you get
Annual scholarship of ₹30,000.
What it actually costs you
Merit certificate from the school principal.
Common gotcha
Must be enrolled in a recognized institution to continue receiving funds.
Puducherryபுதுச்சேரி

Puducherry provides unique welfare support for low-wage workers and miners through its dedicated Labour Department and social security boards.

Support for my hard work

Puducherry Labour Welfare Fund Board Scholarship

புதுச்சேரி தொழிலாளர் நல வாரிய உதவித்தொகை

state · Labour Department, Puducherry

Who qualifies
Children of registered workers in the Labour Welfare Fund.
What you get
Annual scholarship ranging from ₹2,000 to ₹10,000 based on the course of study.
What it actually costs you
Proof of registration, school bonafide certificate, and bank passbook copy.
Common gotcha
The application window is very short, usually opening only once a year.

Accident Relief Scheme for Registered Workers

பதிவுசெய்யப்பட்ட தொழிலாளர்களுக்கான விபத்து நிவாரணத் திட்டம்

state · Labour Department

Who qualifies
Any registered worker who meets with an accident while on duty.
What you get
Financial assistance up to ₹1,00,000 for permanent disability or death.
What it actually costs you
FIR copy, medical certificate, and death/disability certificate.
Common gotcha
Must be a registered member of the Labour Welfare Board at the time of the accident.

Marriage Assistance for Registered Workers

திருமண உதவித்தொகை

state · Labour Department

Who qualifies
Registered workers or their children for their marriage.
What you get
One-time cash grant of ₹20,000.
What it actually costs you
Marriage invitation, marriage registration certificate, and proof of membership.
Common gotcha
Application must be submitted within 6 months of the wedding date.

Funeral Expenses Assistance

ஈமச்சடங்கு உதவித்தொகை

state · Labour Department

Who qualifies
Nominee of a registered worker in case of death.
What you get
₹5,000 for funeral expenses.
What it actually costs you
Death certificate and proof of relationship.
Common gotcha
Needs to be claimed promptly by the legal heir.

Keeping the family healthy and fed

Free Rice Scheme (Puducherry)

இலவச அரிசித் திட்டம்

state · Department of Civil Supplies and Consumer Affairs

Who qualifies
All Red Ration Card (AAY) and Yellow Ration Card (BPL) holders in Puducherry.
What you get
10kg to 20kg of free rice monthly per family.
What it actually costs you
Valid family ration card and Aadhaar linkage.
Common gotcha
Distribution is often tied to specific fair price shops; check your local shop's schedule.

Medical Reimbursement for Registered Workers

மருத்துவச் செலவு திரும்பப் பெறுதல்

state · Labour Department

Who qualifies
Registered workers undergoing treatment for major illnesses.
What you get
Reimbursement of medical bills up to a specific limit set by the board.
What it actually costs you
Original medical bills, doctor's prescription, and discharge summary.
Common gotcha
Only covers government-recognized hospitals.
Rajasthanराजस्थान

Rajasthan provides specific welfare boards and health protections for workers in the mining and stone-cutting sectors, which are critical for the livelihood of laborers in the state.

Support for my family and health

Rajasthan Construction Workers Welfare Board Benefits

राजस्थान निर्माण श्रमिक कल्याण कोष

state · Labour Department, Rajasthan

Who qualifies
Registered construction and mine workers with a valid Shramik card.
What you get
Requires registration as a construction worker; annual renewal is mandatory.
Common gotcha
Many workers forget to renew their registration annually, leading to rejection of claims.

Mukhyamantri Chiranjeevi Swasthya Bima Yojana

मुख्यमंत्री चिरंजीवी स्वास्थ्य बीमा योजना

state · Government of Rajasthan

Who qualifies
All residents of Rajasthan, with free coverage for low-income families.
What you get
Aadhaar card and Jan Aadhaar card required for enrollment.
Common gotcha
Ensure your Jan Aadhaar data matches your hospital records exactly to avoid billing issues.

Rajasthan Pneumoconiosis Policy

राजस्थान सिलिकोसिस नीति

state · Department of Social Justice and Empowerment

Who qualifies
Mine workers diagnosed with silicosis.
What you get
Medical certificate from the district medical board confirming the disease.
Common gotcha
The medical board certification process can be slow; keep all diagnostic reports safe.

Saving on food and essentials

Indira Rasoi Yojana

इंदिरा रसोई योजना

state · Local Urban Bodies

Who qualifies
Any person in need of a meal in urban areas.
What you get
No documents needed, just walk into the designated kitchen.
Common gotcha
Meals are served during specific lunch and dinner hours only.

Rajasthan Annapurna Food Packet Scheme

राजस्थान अन्नपूर्णा फूड पैकेट योजना

state · Department of Food and Civil Supplies

Who qualifies
NFSA-eligible families in Rajasthan.
What you get
Must be an existing ration card holder under the NFSA category.
Common gotcha
The packet is only available at designated Fair Price Shops (FPS).
Sikkimसिक्किम

Sikkim offers unique social security nets for its workers, including specialized welfare boards and state-funded health top-ups that recognize the rugged terrain and labor-intensive nature of mining and construction work.

Support for my daily grind

Sikkim Building and Other Construction Workers Welfare Board Benefits

state · Labour Department, Government of Sikkim

Who qualifies
Registered workers engaged in mining, construction, or related manual labor for at least 90 days in the last year.
What you get
Financial assistance for marriage, funeral expenses, and maternity benefits.
What it actually costs you
Annual registration fee of ₹20; requires labour card and bank passbook.
Common gotcha
You must renew your registration annually to keep claiming benefits.

Sikkim Unorganized Workers Pension Scheme

state · Social Welfare Department

Who qualifies
Workers in the unorganized sector aged 60+ who are Sikkim subjects.
What you get
Monthly pension of ₹1,000 to support post-retirement life.
What it actually costs you
Requires Certificate of Identification (COI) and proof of residency.
Common gotcha
Cannot be claimed if you are already receiving other central government pensions.

Keeping the family healthy

Chief Minister's Comprehensive Annual and Total Health Services (CATCH)

state · Health Care, Human Services and Family Welfare Department

Who qualifies
All Sikkim subjects holding a valid Certificate of Identification.
What you get
Free universal health screening and medical treatment for the entire family.
What it actually costs you
Zero cost; requires CATCH card issued at local health centers.
Common gotcha
The card must be updated annually during the health screening drive.

Mukhya Mantri Jeevan Raksha Kosh

state · Health Department

Who qualifies
Low-income families requiring critical medical treatment outside the state.
What you get
Financial grant for emergency surgeries or critical illness treatment not available in Sikkim.
What it actually costs you
Requires medical referral from STNM Hospital and income certificate.
Common gotcha
Application must be submitted before the treatment begins, not after.
Tamil Naduதமிழ்நாடு

Tamil Nadu offers robust social security nets and specialized welfare boards for unorganized sector workers like miners, providing direct cash assistance and educational support for their children.

Safety and Welfare for Us Workers

Tamil Nadu Manual Workers Social Security and Welfare Board

தமிழ்நாடு அமைப்புசாரா தொழிலாளர்கள் நல வாரியம்

state · Labour Welfare and Skill Development Department

Who qualifies
Any manual worker in the unorganized sector aged 18-60.
What you get
Accident relief, funeral expenses, and marriage assistance.
What it actually costs you
Registration is free; requires Aadhar and employment proof.
Common gotcha
You must renew your registration every 3 years to keep claiming benefits.

Accident Relief Scheme for Manual Workers

state · Labour Welfare Board

Who qualifies
Registered members of the TN Manual Workers Welfare Board.
What you get
Up to ₹1,00,000 for permanent disability or death.
What it actually costs you
Medical certificate and FIR copy required for claims.
Common gotcha
Claims must be filed within 6 months of the incident.

Educational Assistance for Workers Children

state · Labour Welfare Board

Who qualifies
Children of registered manual workers studying in 10th grade to college.
What you get
Annual cash grants ranging from ₹1,000 to ₹10,000 based on the course.
What it actually costs you
Bonafide certificate from school/college required.
Common gotcha
Must apply within the academic year; late applications are rejected.

Marriage Assistance Scheme

state · Social Welfare Department

Who qualifies
Daughters of registered workers who have completed 18 years of age.
What you get
Financial aid of ₹25,000 and 8 grams of gold for 'Thali'.
What it actually costs you
Marriage invitation and wedding registration certificate.
Common gotcha
Income limit of the family must be below ₹72,000 per annum.

Keeping the Family Healthy and Fed

Universal Public Distribution System (PDS)

பொது விநியோகத் திட்டம்

state · Co-operation, Food and Consumer Protection Department

Who qualifies
All residents holding a Rice Ration Card.
What you get
Free rice and subsidized sugar/dal/oil.
What it actually costs you
Biometric authentication at the ration shop.
Common gotcha
Your mobile number must be linked to your ration card to receive SMS alerts.

Chief Minister's Comprehensive Health Insurance Scheme

முதலமைச்சரின் விரிவான மருத்துவக் காப்பீட்டுத் திட்டம்

state · Tamil Nadu Health Systems Project

Who qualifies
Families with annual income below ₹1.2 lakhs.
What you get
Cashless treatment up to ₹5 lakhs per year in empanelled hospitals.
What it actually costs you
Requires the CMCHIS smart card and Aadhar.
Common gotcha
Does not cover all outpatient procedures, only inpatient surgeries.

Amma Unavagam

அம்மா உணவகம்

municipal · Local Municipal Corporations

Who qualifies
General public, specifically low-income workers.
What you get
Idli for ₹1, Sambar rice for ₹5, Curd rice for ₹3.
What it actually costs you
Cash payment at the counter.
Common gotcha
Food is available only during specific breakfast and lunch hours.
Tripuraত্রিপুরা

As a miner in Tripura, you rely on state-specific welfare boards and local industrial support that recognizes the unique challenges of the region's extraction and construction-linked labor sectors.

Support for my family and health

Tripura Building and Other Construction Workers Welfare Board Benefits

ত্রিপুরা বিল্ডিং এবং অন্যান্য নির্মাণ শ্রমিক কল্যাণ বোর্ড

state · Labour Department, Government of Tripura

Who qualifies
Registered construction and mine-linked workers aged 18-60.
What you get
Financial assistance for marriage, maternity, education of children, and medical expenses.
What it actually costs you
Annual membership renewal fee; requires Aadhaar and bank passbook.
Common gotcha
Many workers forget to renew their registration annually, which disqualifies them from claims.

Chief Minister's Tripura Gram Samriddhi Yojana (Health Component)

মুখ্যমন্ত্রী ত্রিপুরা গ্রাম সমৃদ্ধি যোজনা

state · Health and Family Welfare Department

Who qualifies
Low-income rural families in mining and peripheral areas.
What you get
Additional medical coverage for procedures not fully covered by national schemes.
What it actually costs you
Income certificate and residency proof; no direct fee.
Common gotcha
Often confused with Ayushman Bharat; it is a top-up, so keep both cards handy.

Helping my kids study

Tripura State Merit Scholarship for Workers' Children

শ্রমিকদের সন্তানদের জন্য ত্রিপুরা রাজ্য মেধাবৃত্তি

state · Department of Higher Education

Who qualifies
Children of registered workers who score above 60% in board exams.
What you get
Annual cash grant ranging from ₹2,000 to ₹5,000 based on the class level.
What it actually costs you
Mark sheets and a certificate from the Labour Board.
Common gotcha
Application window is very short, usually opening right after board results are declared.

Free Textbook and Uniform Scheme for State Schools

বিনামূল্যে পাঠ্যপুস্তক এবং ইউনিফর্ম প্রকল্প

state · Education Department

Who qualifies
Students in government-run schools across Tripura.
What you get
Complete set of textbooks and two sets of uniforms annually.
What it actually costs you
School admission proof; no cost.
Common gotcha
Distribution often happens late; check with the school principal in April.
Telanganaతెలంగాణ

Telangana offers specialized welfare boards for unorganized sector workers like miners, providing unique financial security and housing support beyond national mandates.

Support for us working in the mines

Telangana Labour Welfare Board Assistance

తెలంగాణ కార్మిక సంక్షేమ మండలి

state · Labour, Employment, Training and Factories Department

Who qualifies
Registered workers in mines and factories with active labour cards.
What you get
Financial assistance for funeral expenses, medical emergencies, and maternity benefits.
What it actually costs you
Requires valid labour registration card and employer certificate; processing takes 30-60 days.
Common gotcha
Many workers forget to renew their registration annually, making them ineligible for claims.

Telangana State Accident Relief Fund

state · Directorate of Mines and Geology

Who qualifies
Miners injured during active duty in state-licensed mining operations.
What you get
Ex-gratia payment ranging from ₹50,000 to ₹2,00,000 depending on the severity of injury.
What it actually costs you
FIR copy, medical report from a government hospital, and site supervisor verification.
Common gotcha
Must be reported within 48 hours of the incident to qualify for immediate relief.

Telangana Occupational Health Screening

state · Telangana State Medical Services

Who qualifies
All registered mine workers in Telangana districts.
What you get
Free annual screening for silicosis and respiratory issues at designated district hospitals.
What it actually costs you
Zero cost; requires only your labour registration number.
Common gotcha
Often only available at district headquarters, requiring travel time.

Taking care of my family and home

Gruha Lakshmi Scheme

గృహలక్ష్మి పథకం

state · Telangana State Housing Corporation

Who qualifies
Families owning a plot of land but lacking a pucca house.
What you get
Financial assistance of ₹3,00,000 provided in three phases for house construction.
What it actually costs you
Land ownership documents and Aadhaar; selection is done via local Gram Sabha.
Common gotcha
High demand means waiting lists are long; ensure your land title is clear of disputes.

Kalyana Lakshmi Pathakam

కళ్యాణ లక్ష్మి పథకం

state · Department of Revenue

Who qualifies
Resident families of Telangana with girls getting married (18+).
What you get
One-time financial grant of ₹1,00,116 for marriage expenses.
What it actually costs you
Marriage certificate, birth certificate, and income certificate; apply within 30 days of marriage.
Common gotcha
Income certificate must be less than ₹2 lakhs per annum.

Rajiv Aarogyasri

రాజీవ్ ఆరోగ్యశ్రీ

state · Aarogyasri Health Care Trust

Who qualifies
BPL families in Telangana for tertiary healthcare.
What you get
Cashless treatment for serious ailments up to ₹10 lakhs per family per year.
What it actually costs you
Aarogyasri health card; covers surgeries and hospital stays.
Common gotcha
Only works in empanelled hospitals; always check the list before admission.
Uttarakhandउत्तराखण्ड

Uttarakhand offers unique hill-specific welfare and labor protections for miners working in the state's rugged terrain and mineral-rich belts.

Support for my family and health

Uttarakhand Building and Other Construction Workers Welfare Board Scholarship

उत्तराखंड भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड छात्रवृत्ति

state · Labour Department, Uttarakhand

Who qualifies
Children of registered mine and construction workers studying in schools or colleges.
What you get
Annual financial assistance ranging from ₹3,000 to ₹10,000 depending on the course level.
What it actually costs you
Registration card, school bonafide certificate, and bank passbook; takes 2-3 months.
Common gotcha
The registration must be active and renewed annually to claim the scholarship.

Medical Assistance for Registered Workers

श्रमिक चिकित्सा सहायता योजना

state · Labour Department, Uttarakhand

Who qualifies
Registered workers and their family members facing serious illness.
What you get
Reimbursement of medical expenses for hospitalization and surgeries.
What it actually costs you
Hospital bills, medical prescription, and worker ID card.
Common gotcha
Must be treated in an empanelled hospital to get full reimbursement.

Death and Disability Compensation

मृत्यु एवं दिव्यांगता सहायता

state · Labour Department, Uttarakhand

Who qualifies
Registered workers in case of accidental death or permanent disability while working.
What you get
Lump sum compensation up to ₹5 lakh for family support.
What it actually costs you
Death certificate, FIR copy, and proof of employment.
Common gotcha
The accident must be reported immediately to the local labour office.

Marriage Assistance Scheme

विवाह सहायता योजना

state · Labour Department, Uttarakhand

Who qualifies
Registered workers for the marriage of their two daughters.
What you get
Financial grant of ₹51,000 per daughter.
What it actually costs you
Marriage certificate and identity proof of the worker.
Common gotcha
Application must be submitted within 90 days of the marriage date.

Making life in the hills easier

Deendayal Upadhyay Home Stay Scheme

दीनदयाल उपाध्याय गृह आवास योजना

state · Tourism Department, Uttarakhand

Who qualifies
Residents in remote areas looking to convert part of their home into a homestay.
What you get
Subsidy on interest for loans taken to renovate homes for tourism.
What it actually costs you
Property documents and a project report for renovation.
Common gotcha
The property must be in a notified tourism zone.

Uttarakhand Hill Area Electricity Subsidy

पर्वतीय क्षेत्र विद्युत सब्सिडी

state · UPCL (Uttarakhand Power Corporation Limited)

Who qualifies
Domestic consumers residing in designated hill districts.
What you get
Reduced tariff rates compared to plains for the first 100 units.
What it actually costs you
Electricity bill linked to Aadhar/Consumer ID.
Common gotcha
Only applicable for domestic connections, not commercial mine sites.

Uttarakhand Transport Corporation Concession

उत्तराखंड परिवहन निगम रियायत

state · Uttarakhand Transport Corporation

Who qualifies
Residents travelling on state-run buses in hilly routes.
What you get
Discounted fares for specific categories including students and senior citizens.
What it actually costs you
Identity proof and residence certificate.
Common gotcha
Only valid on UTC buses, not private operators.

Jal Jeevan Mission State Top-up

जल जीवन मिशन राज्य सहायता

state · Peyjal Nigam, Uttarakhand

Who qualifies
Households in remote hill villages without piped water.
What you get
Free installation of tap water connections.
What it actually costs you
Application through the local Gram Panchayat.
Common gotcha
Maintenance is the responsibility of the village committee after installation.
Uttar Pradeshउत्तर प्रदेश

Uttar Pradesh offers specific welfare boards and labor-intensive support for industrial workers and miners to ensure social security and educational support for their families.

Support for my hard work

UP Building and Other Construction Workers Welfare Board

उत्तर प्रदेश भवन एवं अन्य सन्निर्माण कर्मकार कल्याण बोर्ड

state · Labour Department, UP

Who qualifies
Registered workers engaged in construction or mining-related site work for 90 days in the last year.
What you get
Financial assistance for marriage, maternity, funeral, and tool purchase.
What it actually costs you
Annual membership fee of ₹20; requires Aadhaar, bank passbook, and proof of work.
Common gotcha
Registration must be renewed annually; many workers forget to update their mobile number on the portal.

UP Shramik Bhart Yojana

state · Labour Department, UP

Who qualifies
Registered laborers under the UP BOCW board.
What you get
Hospitalization coverage and financial support during illness.
What it actually costs you
Zero cost; requires medical certificate from a government hospital.
Common gotcha
Claims must be filed within 30 days of discharge from the hospital.

UP State Mining Safety Grant

state · Directorate of Geology and Mining, UP

Who qualifies
Workers employed in licensed mining operations within UP.
What you get
One-time compensation for work-related injuries not covered by ESI.
What it actually costs you
Submission of site accident report and employer verification.
Common gotcha
Often delayed if the mining leaseholder does not file the accident report promptly.

Looking after my family

UP Shramik Putri Vivah Anudan Yojana

उत्तर प्रदेश श्रमिक पुत्री विवाह अनुदान योजना

state · Labour Department, UP

Who qualifies
Registered workers with at least 1 year of membership for the marriage of their daughter.
What you get
Financial grant of ₹55,000 for marriage expenses.
What it actually costs you
Marriage certificate and identity proof; application must be made 90 days before or after the wedding.
Common gotcha
The daughter must be at least 18 years old; age proof is strictly verified.

UP Labour Board Merit Scholarship

मेधावी छात्र पुरस्कार योजना

state · Labour Department, UP

Who qualifies
Children of registered construction/mining workers who score above 60% in board exams.
What you get
Cash prize ranging from ₹4,000 to ₹22,000 depending on the class level.
What it actually costs you
Mark sheets and school bonafide certificate.
Common gotcha
Application must be submitted within one year of passing the exam.

UP Cycle Assistance Scheme

साइकिल सहायता योजना

state · Labour Department, UP

Who qualifies
Registered workers who have completed 6 months of membership.
What you get
Financial assistance of ₹3,000 to purchase a bicycle for commuting to work.
What it actually costs you
Self-declaration of not owning a cycle and employment proof.
Common gotcha
Only one cycle per family is allowed.
West Bengalপশ্চিমবঙ্গ

West Bengal offers specific welfare boards for unorganized workers and miners, providing crucial financial safety nets and housing support for laborers in the Raniganj and Asansol coal belts.

Safety and support for us workers

West Bengal Labour Welfare Fund

পশ্চিমবঙ্গ শ্রম কল্যাণ তহবিল

state · Labour Department, Government of West Bengal

Who qualifies
Registered workers in mines and factories contributing to the fund.
What you get
Scholarships for children, medical assistance, and funeral grants.
What it actually costs you
Small monthly contribution deducted from salary; requires registration card.
Common gotcha
Many miners forget to renew their registration annually, leading to benefit denial.

West Bengal Social Security Yojana (WBSY)

পশ্চিমবঙ্গ সামাজিক সুরক্ষা যোজনা

state · Labour Department, Government of West Bengal

Who qualifies
Unorganized sector workers including miners aged 18-60.
What you get
Provident fund benefits, disability cover, and death benefits up to ₹2 lakhs.
What it actually costs you
Zero contribution from the worker; state government pays the premium.
Common gotcha
Must have an active Aadhaar-linked bank account to receive direct transfers.

Samabyathi Scheme

সমব্যথী প্রকল্প

state · Department of Panchayats and Rural Development

Who qualifies
Family members of deceased low-income workers.
What you get
One-time financial assistance of ₹2,000 for funeral expenses.
What it actually costs you
Death certificate and application to the local BDO office.
Common gotcha
Must apply within a short window after the death.

Keeping a roof over our heads

Nij Griha Nij Bhumi Prakalpa

নিজ গৃহ নিজ ভূমি প্রকল্প

state · Land and Land Reforms Department

Who qualifies
Homeless families and landless laborers.
What you get
Provision of a small plot of land (up to 5 decimals) for housing.
What it actually costs you
Application to the local Block Land & Land Reforms Officer (BL&LRO).
Common gotcha
Verification of landless status often takes several months.

Banglar Awas Yojana (State component)

বাংলার আবাস যোজনা

state · Panchayat and Rural Development Department

Who qualifies
Rural poor living in kutcha houses.
What you get
Financial assistance to construct a permanent pucca house.
What it actually costs you
Must be on the SECC-2011 list or verified by Gram Panchayat.
Common gotcha
Funds are released in installments based on construction progress.