Pranav

state · Directorate of Transport

Who qualifies

Workers commuting daily to industrial zones in Port Blair.

What you get

Concessional bus passes for STU buses at 50% of regular fare.

What it actually costs you

Application form, two passport photos, and employment ID card.

Common gotcha

The pass must be renewed every 6 months at the main bus terminus.

state · Electricity Department, A&N Administration

Who qualifies

Low-income households with consumption under 100 units/month.

What you get

Reduced slab rates for electricity consumption.

What it actually costs you

Submission of Aadhar and latest electricity bill to the local AE office.

Common gotcha

Only applies to the primary residence, not commercial workshops.

state · Department of Civil Supplies

Who qualifies

BPL card holders residing in remote islands.

What you get

Additional 5kg of rice/wheat per family member per month.

What it actually costs you

Ration card update at the local Tehsil office.

Common gotcha

Distribution is often delayed by weather conditions affecting shipping.

state · Department of Fisheries

Who qualifies

Workers engaged in part-time artisanal fishing.

What you get

50% subsidy on purchase of nets and basic boat maintenance tools.

What it actually costs you

Fisherman ID card and application through the local Fisheries office.

Common gotcha

Funds are released only after verifying the purchase invoice.

state · Labour Department

Who qualifies

Registered workers in construction and allied factory activities.

What you get

Financial assistance for children's education and marriage of daughters.

What it actually costs you

Registration fee of ₹20 and annual renewal.

Common gotcha

You must have worked for at least 90 days in the last year to claim benefits.

state · Directorate of Health Services

Who qualifies

Patients referred from remote islands to GB Pant Hospital, Port Blair.

What you get

Reimbursement of boat/ferry travel costs for patient and one attendant.

What it actually costs you

Medical referral slip from the local PHC.

Common gotcha

Keep all ferry tickets, as they are required for the reimbursement claim.

state · Rural Development Department

Who qualifies

Low-income families living in kutcha houses.

What you get

One-time grant of ₹50,000 for roof repair or structural reinforcement.

What it actually costs you

Land ownership proof and Gram Panchayat recommendation.

Common gotcha

The grant is strictly for materials, not labor costs.

state · ITI Port Blair

Who qualifies

Unemployed youth or workers looking to switch to technical factory roles.

What you get

Monthly stipend of ₹1,500 during the training period.

What it actually costs you

Entrance test and basic educational certificates.

Common gotcha

Attendance is strictly monitored; missing more than 3 days cuts the stipend.

state · Department of Labour, AP

Who qualifies

Registered construction workers aged 18-60 with at least 90 days of work in the last year.

What you get

Financial assistance for marriage, maternity, education of children, and funeral expenses.

What it actually costs you

Annual renewal fee of ₹10; requires Aadhaar, bank passbook, and proof of employment.

Common gotcha

The membership must be renewed annually without fail or the benefits lapse.

state · Directorate of Factories

Who qualifies

Factory workers sustaining permanent disability or death during work hours.

What you get

Ex-gratia payment up to ₹5 lakh depending on the severity of the accident.

What it actually costs you

Requires FIR, medical board certificate, and employer's accident report.

Common gotcha

Employers often delay reporting; keep your own records of the incident.

state · AP State Housing Corporation

Who qualifies

Low-income families in AP without pucca houses, holding a valid Rice Card.

What you get

Allotted house site and financial assistance for construction of a permanent dwelling.

What it actually costs you

Zero application fee; requires land ownership documents and income certificate.

Common gotcha

The scheme is tied to the 'Rice Card' (ration card); ensure your details match exactly.

state · Andhra Pradesh State Road Transport Corporation

Who qualifies

Industrial workers commuting regularly to notified industrial zones.

What you get

Monthly bus passes at discounted rates compared to standard fares.

What it actually costs you

Requires employer-certified ID card and passport-sized photos.

Common gotcha

Passes are only valid on specific routes; check the zone map before buying.

state · Department of Labour and Employment

Who qualifies

Registered construction and factory workers with 90 days of work in the last year.

What you get

Financial assistance for marriage, maternity, education of children, and medical emergencies.

What it actually costs you

Small annual registration fee, requires Aadhaar, bank passbook, and employer certificate.

Common gotcha

Many workers forget to renew their registration annually, making them ineligible for claims.

state · Department of Social Justice and Empowerment

Who qualifies

Low-income workers and those in the unorganized sector meeting state poverty criteria.

What you get

Monthly pension or disability support for those not covered by national schemes.

What it actually costs you

Income certificate and residency proof required; zero application fee.

Common gotcha

Often confused with the national old-age pension; this is a state-top-up for those excluded from central lists.

state · Arunachal Pradesh Skill Development Society

Who qualifies

Unemployed youth or workers seeking to upgrade skills in industrial trades.

What you get

Stipend during training and assistance for toolkits upon certification.

What it actually costs you

Must be enrolled in a state-recognized vocational training center.

Common gotcha

The allowance is only paid after successful completion of the training module.

state · Department of Labour

Who qualifies

Family of a registered worker who dies or suffers permanent disability in a factory accident.

What you get

Lump sum compensation ranging from ₹1 lakh to ₹3 lakh depending on the nature of the accident.

What it actually costs you

FIR copy, death certificate, and employer's accident report.

Common gotcha

Must be reported within 48 hours of the incident to the local labour inspector.

state · State Health Agency

Who qualifies

All residents of Arunachal Pradesh not covered under PM-JAY.

What you get

Cashless medical treatment up to ₹5 lakh per family per year in empanelled hospitals.

What it actually costs you

Requires a valid ration card or state residency certificate.

Common gotcha

It is a top-up; if you are already under PM-JAY, you don't need to apply separately, but check your status.

state · Department of Food and Civil Supplies

Who qualifies

BPL and AAY cardholders in remote areas.

What you get

Additional quota of rice and sugar at subsidized rates over the national NFSA limit.

What it actually costs you

Must present your ration card at the local Fair Price Shop.

Common gotcha

Supply is often delayed in remote districts; check with the local Gaon Burah.

state · Department of Rural Development

Who qualifies

Low-income workers living in kutcha houses in rural or semi-urban areas.

What you get

Additional financial assistance to build a permanent roof over the central PMAY grant.

What it actually costs you

Land ownership documents and verification by the Gram Panchayat.

Common gotcha

The state grant is released in phases based on construction progress.

state · Labour and Welfare Department

Who qualifies

Construction workers registered with the board for at least 90 days.

What you get

Financial assistance for medical, education of children, and funeral expenses.

What it actually costs you

Small annual membership fee and proof of work days.

Common gotcha

Renewal of registration must be done annually to remain eligible for benefits.

state · Tea Tribes Welfare Department

Who qualifies

Permanent workers residing in registered tea garden estates.

What you get

Direct cash transfers and subsidized rations provided via the garden management.

What it actually costs you

Must have a valid bank account linked to the garden payroll.

Common gotcha

Often relies on the garden management to update the beneficiary list correctly.

state · Revenue and Disaster Management Department

Who qualifies

Daughters of low-income families at the time of marriage.

What you get

Financial assistance of ₹40,000 for purchasing gold.

What it actually costs you

Marriage registration certificate and income certificate under 5 lakhs.

Common gotcha

The bride must have passed at least HSLC/Class 10.

state · Department of Health and Family Welfare

Who qualifies

All state residents with a ration card.

What you get

Free diagnostic tests and medicines at government-run district hospitals.

What it actually costs you

Valid government ID and ration card.

Common gotcha

Only works at government facilities, not private clinics.

state · Revenue and Disaster Management Department

Who qualifies

Residents needing land record updates or mutation.

What you get

Digitized land records and simplified land mutation process.

What it actually costs you

Online application fee and supporting land documents.

Common gotcha

Requires clear documentation of previous land ownership.

state · Panchayat and Rural Development

Who qualifies

Low-income families not covered under central housing schemes.

What you get

Financial grant for constructing a permanent house.

What it actually costs you

Verification of land ownership and income status.

Common gotcha

Stacks with PMAY but requires separate application to the local BDO.

state · Labour Resources Department

Who qualifies

Construction workers registered with the board aged 18-60.

What you get

Financial assistance for marriage, maternity, education of children, and death benefits.

What it actually costs you

Small annual membership fee; requires Aadhaar, bank passbook, and proof of 90 days of work.

Common gotcha

Many workers forget to renew their membership annually, which makes them ineligible for claims.

state · Labour Resources Department

Who qualifies

Registered workers who suffer an accident during work.

What you get

Ex-gratia payment up to ₹4 lakh in case of accidental death or permanent disability.

What it actually costs you

FIR copy, medical report, and death certificate required for processing.

Common gotcha

Must be reported within a strict timeframe to the local labour office.

state · Education Department

Who qualifies

Girl students studying in 9th grade in government schools.

What you get

₹3,000 direct benefit transfer to purchase a bicycle for commuting to school.

What it actually costs you

School attendance record and bank account linked to Aadhaar.

Common gotcha

The account must be in the student's name, not the parent's.

state · Education Department

Who qualifies

Students in government schools from class 1 to 12.

What you get

Annual cash grant for school uniforms.

What it actually costs you

School enrollment verification and bank account.

Common gotcha

Disbursement is often delayed; keep checking the school notice board.

state · Social Welfare Department

Who qualifies

Families below the poverty line (BPL) for the marriage of daughters.

What you get

Financial assistance of ₹5,000 for marriage expenses.

What it actually costs you

Income certificate, marriage certificate, and BPL card.

Common gotcha

The application must be submitted at least 30 days before the wedding date.

state · Social Welfare Department

Who qualifies

Families who have lost their primary breadwinner.

What you get

One-time lump sum of ₹20,000.

What it actually costs you

Death certificate and proof of being the sole breadwinner.

Common gotcha

This is a state-managed implementation of a central scheme, often confused with local panchayat funds.

state · Education Department

Who qualifies

Students who have passed 12th grade and want to pursue higher education.

What you get

Collateral-free education loan up to ₹4 lakh.

What it actually costs you

12th mark sheet, residential proof, and admission letter.

Common gotcha

The loan is only for courses approved by the state government list.

state · Chhattisgarh Building and Other Construction Workers Welfare Board

Who qualifies

Registered construction workers with at least 90 days of work in the last year.

What you get

Requires registration certificate, school bonafide, and bank passbook.

Common gotcha

Registration must be renewed annually, or the benefit is denied.

state · Labour Department, Chhattisgarh

Who qualifies

Registered female workers or daughters of registered workers.

What you get

Marriage certificate, registration card, and age proof.

Common gotcha

Must apply at least 30 days before the wedding date.

state · Chhattisgarh Building and Other Construction Workers Welfare Board

Who qualifies

Registered workers facing hospitalization or major surgery.

What you get

Hospital bills, discharge summary, and registration card.

Common gotcha

Only covers government hospitals or empanelled private facilities.

state · Chhattisgarh Labour Department

Who qualifies

Registered workers who commute daily to work sites.

What you get

Registration card and self-declaration of commute.

Common gotcha

Only available once in the lifetime of the registration.

state · Food, Civil Supplies and Consumer Protection Department

Who qualifies

Low-income families holding a state ration card.

What you get

Ration card, Aadhaar, and biometric verification.

Common gotcha

Linking Aadhaar to the ration card is mandatory for monthly pickup.

state · Urban Administration and Development Department

Who qualifies

Daily wage laborers and factory workers in industrial hubs.

What you get

Just your worker ID or proof of employment.

Common gotcha

Only available in designated industrial areas and city centers.

state · Chandigarh Housing Board

Who qualifies

Migrant factory workers and urban poor living in Chandigarh.

What you get

Affordable rental units with basic amenities at subsidized monthly rates.

What it actually costs you

Proof of employment in a local factory and Aadhar card.

Common gotcha

High demand means waiting lists are long; keep checking the CHB website for new vacancy notices.

state · Electricity Department, Chandigarh Administration

Who qualifies

Domestic consumers with low monthly electricity usage.

What you get

Reduced tariff slabs for the first 150 units consumed.

What it actually costs you

Automatic application based on meter reading.

Common gotcha

If your consumption crosses the threshold, you lose the subsidy for the entire month.

state · Labour Department, Chandigarh

Who qualifies

Registered factory and construction workers.

What you get

Financial assistance for children's education, marriage grants, and medical aid.

What it actually costs you

Registration fee of ₹25 and annual renewal.

Common gotcha

You must be registered for at least 90 days to claim most benefits.

state · Department of Health, Chandigarh

Who qualifies

Residents already covered under national PMJAY.

What you get

Additional diagnostic coverage not included in the central scheme.

What it actually costs you

No extra cost; linked via your existing health card.

Common gotcha

Only valid at government-empanelled hospitals within Chandigarh.

state · Social Welfare Department

Who qualifies

Working mothers in the unorganized sector.

What you get

Cash incentive of ₹5,000 for the first child.

What it actually costs you

Submission of birth certificate and bank account details.

Common gotcha

Must be applied for within 6 months of delivery.

state · Delhi Transport Corporation

Who qualifies

All women traveling in non-AC and AC DTC and cluster buses.

What you get

Zero-cost travel via a pink single-journey ticket.

What it actually costs you

Just your ID card for verification by the conductor.

Common gotcha

It only applies to buses, not the Delhi Metro.

state · Delhi Electricity Regulatory Commission

Who qualifies

Residential consumers with a sanctioned load up to 2kW.

What you get

Zero bill for consumption up to 200 units; 50% subsidy for 201-400 units.

What it actually costs you

Must opt-in via your registered mobile number annually.

Common gotcha

If you don't opt-in, you lose the subsidy even if your usage is low.

state · Delhi Jal Board

Who qualifies

Households with a functional water meter.

What you get

Up to 20,000 liters of water per month free of cost.

What it actually costs you

Must have a metered connection installed.

Common gotcha

If you exceed 20,000 liters, you pay for the entire consumption, not just the excess.

state · Delhi Health Department

Who qualifies

Any resident of Delhi.

What you get

Free primary healthcare consultations and basic diagnostic tests.

What it actually costs you

Zero; just walk in during clinic hours.

Common gotcha

They are only for primary care; for emergencies or surgeries, you must go to a larger government hospital.

state · Labour Department, Govt of NCT of Delhi

Who qualifies

Registered construction workers (must have worked 90 days in the last year).

What you get

Maternity benefits, funeral assistance, and education scholarships for children.

What it actually costs you

Registration fee of ₹25 and annual renewal of ₹20.

Common gotcha

Requires proof of 90 days of work, which is hard if you are a daily wager.

state · Labour Department, Govt of NCT of Delhi

Who qualifies

All industrial and factory workers in Delhi.

What you get

Ensures wages are adjusted twice a year based on the Consumer Price Index.

What it actually costs you

None; it is a statutory right.

Common gotcha

Many small factories pay 'all-inclusive' cash; check if your PF and ESI are deducted separately.

state · Labour Department, Govt of NCT of Delhi

Who qualifies

Factory workers injured during employment.

What you get

Financial assistance for medical treatment and loss of income.

What it actually costs you

FIR and medical reports are mandatory.

Common gotcha

This is often a long legal process; keep all medical bills safely.

state · Department of Labour

Who qualifies

Registered industrial workers in DNH factories

What you get

Financial assistance for marriage, funeral, and education of children

What it actually costs you

Registration with the labour office and valid employment proof

Common gotcha

Employers often delay the contribution filing, so check your status regularly

state · Department of Labour and Employment

Who qualifies

Workers employed in registered factories in Daman and Diu

What you get

Subsidized canteen facilities and safety equipment support

What it actually costs you

Worker ID card and factory gate pass

Common gotcha

Only applicable to units registered under the Factories Act

state · UT Administration

Who qualifies

Low-income factory workers residing in UT-notified industrial areas

What you get

Rental support or subsidized housing allotment

What it actually costs you

Domicile certificate and employer verification letter

Common gotcha

High demand makes the waiting list long; apply as soon as you get your job letter

state · Directorate of Technical Education

Who qualifies

Workers looking to transition to technical roles in local factories

What you get

Free training in CNC operation and industrial safety

What it actually costs you

Aadhaar and proof of current employment

Common gotcha

Requires 80% attendance to receive the stipend

state · DNH Transport Department

Who qualifies

Factory workers commuting via state transport buses

What you get

50% discount on monthly bus passes

What it actually costs you

Factory ID card and two passport photos

Common gotcha

Only valid on specific routes connecting industrial estates

state · Directorate of Medical and Health Services

Who qualifies

Residents covered under national health schemes

What you get

Additional coverage for specialized treatments in UT hospitals

What it actually costs you

Health card and residency proof

Common gotcha

Must be linked to your national health ID to activate

state · Health Department

Who qualifies

Workers in remote industrial clusters

What you get

Free biannual health checkups and basic medication

What it actually costs you

Just your factory ID card

Common gotcha

Camps are held on rotating schedules; check the factory notice board

state · Goa Labour Welfare Board

Who qualifies

Children of registered industrial workers in Goa.

What you get

Annual financial assistance ranging from ₹2,000 to ₹10,000 based on the level of education.

What it actually costs you

Copy of labour card, school bonafide certificate, and bank passbook; usually processed in 3 months.

Common gotcha

You must renew your registration with the Labour Board every year to remain eligible.

state · Goa Labour Welfare Board

Who qualifies

Registered workers facing major surgery or chronic illness.

What you get

Reimbursement of medical expenses up to ₹50,000 for specified ailments.

What it actually costs you

Hospital bills, medical prescription, and employer certificate; requires a formal application to the Welfare Commissioner.

Common gotcha

Only applies to treatments not covered under ESI or other insurance schemes.

state · Goa Labour Welfare Board

Who qualifies

Family of a deceased registered industrial worker.

What you get

One-time grant of ₹5,000 for funeral expenses.

What it actually costs you

Death certificate and proof of relationship; must be claimed within 6 months.

Common gotcha

Often overlooked by families busy with funeral rites; keep the death certificate safe.

state · Goa Labour Welfare Board

Who qualifies

Registered workers or their daughters for marriage.

What you get

Financial grant of ₹10,000 for marriage expenses.

What it actually costs you

Marriage invitation card and marriage registration certificate.

Common gotcha

Must apply within 3 months of the marriage date.

state · Kadamba Transport Corporation Limited

Who qualifies

Low-income workers and daily commuters.

What you get

Significant discount on monthly bus passes for commuting to industrial estates.

What it actually costs you

Passport photo, address proof, and employer ID; issued at main Kadamba bus stands.

Common gotcha

Passes are only valid on specific routes; check your route before applying.

state · Directorate of Women and Child Development

Who qualifies

Housewives of families with income below the specified threshold.

What you get

Monthly financial support of ₹1,500 to help manage household expenses.

What it actually costs you

Income certificate and Aadhaar card; requires annual renewal.

Common gotcha

Income limit is strictly checked; ensure your income certificate is current.

state · Directorate of Women and Child Development

Who qualifies

Families with a girl child born in Goa.

What you get

Fixed deposit of ₹1,00,000 when the girl reaches 18 or gets married.

What it actually costs you

Birth certificate and residency proof; application must be made early.

Common gotcha

The money is locked; it is not a cash handout but a long-term savings bond.

state · Directorate of Social Welfare

Who qualifies

Elderly, widows, or disabled individuals in low-income households.

What you get

Monthly pension ranging from ₹2,000 to ₹3,500.

What it actually costs you

Medical certificate for disability or age proof; requires annual life certificate.

Common gotcha

If you move out of Goa, the pension stops immediately.

state · Gujarat Labour Welfare Board

Who qualifies

Registered factory workers contributing to the welfare fund.

What you get

Financial aid for spectacles, hearing aids, and maternity benefits.

What it actually costs you

Membership proof and medical certificate; takes 30-60 days.

Common gotcha

You must be a contributor to the welfare fund for at least one year.

state · Directorate of Industrial Safety and Health (DISH)

Who qualifies

Any worker facing unsafe working conditions in a factory.

What you get

Legal intervention and safety inspections to ensure workplace compliance.

What it actually costs you

Written complaint; no fee.

Common gotcha

Workers often fear retaliation; anonymous complaints are possible but harder to track.

state · Gujarat Building and Other Construction Workers Welfare Board

Who qualifies

Construction and factory workers with a valid Shramik card.

What you get

Nutritious lunch at just ₹5 per meal.

What it actually costs you

Shramik card registration.

Common gotcha

Only available at designated centers near industrial hubs.

state · Gujarat Housing Board

Who qualifies

Low-income industrial workers residing in Gujarat.

What you get

Subsidized housing units in industrial zones.

What it actually costs you

Application fee and proof of income/residency.

Common gotcha

High demand leads to long waiting lists; lottery system is strictly followed.

state · Gujarat Labour Welfare Board

Who qualifies

Children of registered factory workers passing 10th/12th grade.

What you get

Cash scholarship ranging from ₹2,000 to ₹10,000 based on marks.

What it actually costs you

Mark sheets and worker registration proof.

Common gotcha

Applications must be submitted within 6 months of the exam results.

state · Gujarat Education Department

Who qualifies

Students of government schools in Gujarat.

What you get

Insurance cover for students in case of accidental death or disability.

What it actually costs you

Automatic enrollment via school; no cost.

Common gotcha

Parents often forget to claim this in the event of an accident.

state · Himachal Pradesh Labour and Employment Department

Who qualifies

Children of registered factory workers who have contributed to the welfare fund.

What you get

Annual financial assistance ranging from ₹3,000 to ₹15,000 based on the level of education.

What it actually costs you

Requires registration certificate of the worker and school bonafide certificate.

Common gotcha

Must be applied for within the specific academic window announced by the board.

state · Himachal Pradesh Building and Other Construction Workers Welfare Board

Who qualifies

Registered workers in industrial/construction sectors.

What you get

Financial aid for marriage, medical expenses, and funeral costs.

What it actually costs you

Valid registration card and proof of employment.

Common gotcha

The worker must have a minimum of 90 days of active registration to claim most benefits.

state · Department of Industries, HP

Who qualifies

Permanent factory workers with at least 5 years of service.

What you get

Interest subvention on home loans taken for building a house in HP.

What it actually costs you

Salary slips and employer verification letter.

Common gotcha

Only applicable for houses built within the state of Himachal Pradesh.

state · Himachal Road Transport Corporation

Who qualifies

Workers employed in registered industrial units.

What you get

50% discount on monthly bus passes for commuting to the factory.

What it actually costs you

Identity card issued by the factory and a passport photo.

Common gotcha

Pass is only valid for the route between the worker's residence and the factory location.

state · Department of Health and Family Welfare, HP

Who qualifies

Families not covered under Ayushman Bharat (PMJAY).

What you get

Cashless treatment up to ₹5 lakh per year per family in empanelled hospitals.

What it actually costs you

Annual premium of ₹365 to ₹1,000 depending on category; requires Aadhar and Ration Card.

Common gotcha

Must renew the enrollment every year, as it does not auto-renew.

state · Department of Health, HP

Who qualifies

Patients suffering from chronic diseases like cancer, paralysis, or kidney failure.

What you get

Monthly financial assistance of ₹3,000 for medical expenses.

What it actually costs you

Medical certificate from a government hospital and income certificate.

Common gotcha

The patient must not be receiving any other similar pension or financial aid.

state · Government of Himachal Pradesh

Who qualifies

Low-income families facing extreme medical or educational emergencies.

What you get

One-time emergency financial grant.

What it actually costs you

Application through the local SDM office with proof of hardship.

Common gotcha

This is a discretionary fund; approval is not guaranteed and depends on fund availability.

state · Haryana Labour Welfare Board

Who qualifies

Children of registered factory workers who have completed at least one year of service.

What you get

Annual scholarship ranging from ₹3,000 to ₹10,000 depending on the level of study.

What it actually costs you

Copy of Labour Welfare Fund deduction slip and school bonafide certificate.

Common gotcha

Applications must be submitted within the academic year; late submissions are strictly rejected.

state · Haryana Labour Welfare Board

Who qualifies

Registered workers who do not own a cycle and commute to the factory.

What you get

Financial assistance of ₹3,000 to purchase a bicycle.

What it actually costs you

Self-declaration of not owning a cycle and employment proof.

Common gotcha

Only one cycle per worker is allowed in their lifetime.

state · Haryana Labour Welfare Board

Who qualifies

Registered workers with at least one year of membership for the marriage of their children.

What you get

Grant of ₹51,000 for the marriage of daughters.

What it actually costs you

Marriage invitation card and wedding registration certificate.

Common gotcha

Must apply within 6 months of the wedding date.

state · Haryana Labour Welfare Board

Who qualifies

Registered workers needing vision correction.

What you get

Reimbursement of up to ₹1,000 for spectacles.

What it actually costs you

Doctor's prescription and original bill.

Common gotcha

The bill must be from a recognized optician.

state · Haryana Housing Board

Who qualifies

Factory workers employed in industrial estates like IMT Manesar.

What you get

Subsidized rent for government-allotted housing units.

What it actually costs you

Employment proof and Aadhaar verification.

Common gotcha

Units are limited and often require waiting for a lottery draw.

state · Department of Health, Haryana

Who qualifies

Families already covered under national schemes but needing extra coverage for specific surgeries.

What you get

Additional coverage for specific critical illnesses not fully covered by national schemes.

What it actually costs you

Requires existing Ayushman Bharat card.

Common gotcha

Only applicable in empanelled state government hospitals.

state · Haryana Labour Welfare Board

Who qualifies

Registered workers undergoing dental procedures.

What you get

Reimbursement of up to ₹5,000 for dental treatments.

What it actually costs you

Medical bills and treatment summary from a registered dentist.

Common gotcha

Cosmetic dental work is not covered.

state · Department of Labour, Employment and Training

Who qualifies

Registered construction 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 medical expenses.

What it actually costs you

Small annual registration fee, requires Aadhaar, bank passbook, and proof of work.

Common gotcha

Many workers forget to renew their registration every year, which makes them ineligible for claims.

state · Urban Development Department

Who qualifies

Low-wage factory workers and laborers in major industrial towns.

What you get

Nutritious meals at a subsidized rate of ₹5 per plate.

What it actually costs you

Just your daily wage proof or worker ID card.

Common gotcha

Canteens are often located near bus stands or industrial gates; check local municipal notice boards for exact spots.

state · Department of Women, Child Development and Social Security

Who qualifies

Residents over 60, widows over 18, or disabled persons not covered by other central pensions.

What you get

Monthly pension of ₹1,000 directly to the bank account.

What it actually costs you

Income certificate and residence proof; no application fee.

Common gotcha

The scheme is now universal, meaning BPL status is no longer strictly required, but you must have a linked bank account.

state · Department of Tourism, Arts, Culture, Sports and Youth Affairs

Who qualifies

Youth aged 14-19 in Naxal-affected districts.

What you get

Sports training and financial incentives for participating in district/state level sports.

What it actually costs you

Registration at the local block office; requires age proof.

Common gotcha

Focuses heavily on football, hockey, and athletics; check if your district is currently active.

state · Rural Development Department

Who qualifies

Homeless families or those living in kutcha houses in Jharkhand.

What you get

Financial assistance of ₹2 lakh to build a 3-room pucca house.

What it actually costs you

Land ownership documents and Aadhaar; verification by Gram Sabha.

Common gotcha

This is a state-specific alternative to the central PMAY; you cannot claim both for the same house.

state · Department of Labour and Employment

Who qualifies

Registered construction workers aged 18-60 with 90 days of work in the last year.

What you get

Financial assistance for education, marriage, medical treatment, and death/disability cover.

What it actually costs you

Small annual registration fee; requires employment certificate and Aadhaar.

Common gotcha

You must renew your registration annually to keep receiving benefits.

state · J&K Labour Department

Who qualifies

Children of registered BOCW workers studying in schools or colleges.

What you get

Annual cash assistance ranging from ₹3,000 to ₹15,000 depending on the course level.

What it actually costs you

Bonafide certificate from the school and parent's registration card.

Common gotcha

Only covers two children per family.

state · State Health Agency J&K

Who qualifies

All residents of J&K who are not covered under the national PMJAY scheme.

What you get

Universal health insurance coverage of ₹5 lakh per family per year.

What it actually costs you

Free registration; requires a valid ration card or domicile certificate.

Common gotcha

Ensure your hospital is empaneled under the SEHAT network before admission.

state · Directorate of Industries and Commerce

Who qualifies

Workers employed in registered industrial units in J&K.

What you get

Reimbursement for specific medical procedures not covered by ESI.

What it actually costs you

Original medical bills and referral from a government doctor.

Common gotcha

Claims must be submitted within 6 months of the treatment.

state · Labour Department, Government of Karnataka

Who qualifies

Workers between 18-60 years who have worked for 90 days in the last year.

What you get

Education scholarships for children, medical assistance, and maternity benefits.

What it actually costs you

Registration fee of ₹25 and annual renewal of ₹12; requires Aadhaar and bank passbook.

Common gotcha

You must renew your membership annually, or you lose eligibility for all benefits.

state · Karnataka State Unorganized Workers Social Security Board

Who qualifies

Unorganized sector workers registered with the state board.

What you get

Up to ₹2 lakh in case of accidental death or permanent disability.

What it actually costs you

Free registration; requires a police FIR and medical death/disability certificate.

Common gotcha

Claims must be filed within 90 days of the accident.

state · Labour Commissionerate

Who qualifies

All factory and industrial workers in scheduled employments.

What you get

Guaranteed minimum wage rates specific to your industry category.

What it actually costs you

None; file a complaint via the Labour Department portal if underpaid.

Common gotcha

Employers often hide variable dearness allowance (VDA) in the payslip.

state · Karnataka Housing Board

Who qualifies

Permanent industrial workers with 5+ years of service in Karnataka.

What you get

Priority allotment in KHB housing projects at subsidized rates.

What it actually costs you

Application fee varies; requires employment certificate from factory HR.

Common gotcha

Projects are often located on city outskirts, check commute before applying.

state · Karnataka State Road Transport Corporation (KSRTC)

Who qualifies

Women workers traveling in ordinary state-run buses.

What you get

Free travel across the state in non-luxury buses.

What it actually costs you

Zero; must carry a government-issued ID card.

Common gotcha

Does not apply to private buses or luxury/AC buses.

state · Department of Food and Civil Supplies

Who qualifies

BPL card holders in Karnataka.

What you get

Additional 5kg of rice per person or cash equivalent (DBT).

What it actually costs you

Must have an active Ration Card linked to Aadhaar.

Common gotcha

The cash transfer only happens if the state cannot procure enough rice.

state · BESCOM/MESCOM/HESCOM

Who qualifies

BPL families living in small houses.

What you get

Free electricity connection and monthly consumption subsidy.

What it actually costs you

None; requires BPL card and electricity bill.

Common gotcha

Strict limit on total connected load (usually 18 watts).

state · Labour Department, Government of Kerala

Who qualifies

Registered construction workers aged 18-60.

What you get

Pension, marriage assistance, maternity benefits, and education scholarships for children.

What it actually costs you

Small monthly contribution; requires registration card and bank account.

Common gotcha

The registration must be renewed annually to remain eligible for benefits.

state · Kerala Motor Transport Workers Welfare Fund Board

Who qualifies

Drivers and conductors working in the transport sector.

What you get

Retirement benefits, medical aid, and death benefits for family.

What it actually costs you

Monthly contribution; requires employment certificate and ID.

Common gotcha

Employers often delay remitting the worker's share; check your passbook regularly.

state · Toddy Workers Welfare Fund Board

Who qualifies

Registered toddy tappers and helpers.

What you get

Financial assistance for medical treatment and family pension.

What it actually costs you

Membership fee and regular contributions.

Common gotcha

Verification of employment status by the local inspector is mandatory.

state · Abkari Workers Welfare Fund Board

Who qualifies

Workers engaged in the Abkari sector.

What you get

Disability pension and funeral assistance.

What it actually costs you

Registration process through the local office.

Common gotcha

Documentation of service years is often lost; keep original pay slips.

state · State Health Agency Kerala

Who qualifies

Low-income families not covered by national schemes.

What you get

Cashless treatment for critical illnesses up to ₹5 lakhs per year.

What it actually costs you

Aadhaar card and income certificate; zero cost.

Common gotcha

It acts as a top-up to PMJAY; ensure your hospital knows you are registered for both.

state · Directorate of Minority Welfare

Who qualifies

Female students from minority communities in professional courses.

What you get

Annual scholarship ranging from ₹5,000 to ₹8,000.

What it actually costs you

Online application with bank details and course certificate.

Common gotcha

Applications open for a very short window, usually in the autumn.

state · Social Justice Department

Who qualifies

Daughters of widows or BPL families.

What you get

One-time financial grant for marriage expenses.

What it actually costs you

Income certificate and marriage invitation card.

Common gotcha

Application must be submitted at least 30 days before the wedding.

state · UT Administration of Ladakh

Who qualifies

Permanent residents of Ladakh facing extreme winter temperatures.

What you get

Direct subsidy on electricity bills or heating fuel costs during peak winter months.

What it actually costs you

Application via local Tehsildar office; requires proof of residency.

Common gotcha

The subsidy is often adjusted based on the specific power consumption slab.

state · Power Development Department, Ladakh

Who qualifies

Low-income households and registered factory workers.

What you get

Reduced tariff rates for electricity consumption up to a certain unit limit.

What it actually costs you

Submission of Aadhaar and electricity consumer number.

Common gotcha

Must ensure your electricity connection is in your own name to claim.

state · Ladakh BOCW Welfare Board

Who qualifies

Workers engaged in construction or factory-related labor for at least 90 days a year.

What you get

Financial assistance for medical treatment, education of children, and funeral expenses.

What it actually costs you

Registration fee of ₹25; requires employment certificate.

Common gotcha

You must renew your registration annually to keep the benefits active.

state · Department of Labour and Employment

Who qualifies

Workers who migrate within the UT for seasonal factory or construction work.

What you get

One-time travel allowance and temporary housing support.

What it actually costs you

Proof of temporary employment contract.

Common gotcha

Often requires verification from both the source and destination village head.

state · District Industries Centre, Leh

Who qualifies

Local factory workers looking to learn machine operation or technical maintenance.

What you get

Free vocational training and a stipend during the training period.

What it actually costs you

No cost; requires basic literacy and ID proof.

Common gotcha

Courses are often scheduled during the off-season when factory work is slow.

state · Lakshadweep Administration

Who qualifies

Permanent residents of Lakshadweep traveling between islands.

What you get

Subsidized ticket rates for government-operated passenger vessels.

What it actually costs you

Identity card proof and booking at the local ticket counter.

Common gotcha

Seats are limited; you must book well in advance during peak tourist or festival seasons.

state · LCSMF

Who qualifies

All registered residents with a ration card.

What you get

Lower prices on essential food items and construction materials compared to private shops.

What it actually costs you

Valid ration card and local island residency proof.

Common gotcha

Stock availability depends on the arrival of supply ships from the mainland.

state · Department of Electricity, Lakshadweep

Who qualifies

Domestic consumers on the islands.

What you get

Significantly lower electricity rates compared to the actual cost of diesel-generated power.

What it actually costs you

Regular monthly bill payment at the local electricity office.

Common gotcha

The subsidy is automatically applied to residential connections; check your bill for the 'subsidized' stamp.

state · Department of Fisheries

Who qualifies

Registered local fishermen using motorized boats.

What you get

Reimbursement or direct discount on HSD (High Speed Diesel) for fishing vessels.

What it actually costs you

Registration of boat and valid fishing license.

Common gotcha

You must maintain a logbook of fuel usage to claim the quarterly reimbursement.

state · Labour Department

Who qualifies

Registered workers in the unorganized sector.

What you get

One-time financial assistance for medical emergencies or marriage of children.

What it actually costs you

Registration fee and annual renewal of the worker card.

Common gotcha

Applications must be submitted within 6 months of the event (like a wedding).

state · Department of Education

Who qualifies

Students from Lakshadweep pursuing higher studies on the mainland.

What you get

Monthly stipend for food and accommodation expenses.

What it actually costs you

Admission proof from a recognized mainland college.

Common gotcha

Renewal of the stipend requires a certificate of attendance from the college every semester.

state · Department of Health Services

Who qualifies

Patients referred by local hospitals to mainland hospitals in Kochi.

What you get

Financial assistance for travel and a daily allowance for the patient and one attendant.

What it actually costs you

Referral letter from the island's Medical Officer.

Common gotcha

The allowance is only released upon submission of discharge summaries and travel tickets.

state · Department of Labour

Who qualifies

Unprotected manual workers and loaders in specific industrial sectors.

What you get

Fixed wages, provident fund, and medical benefits for manual laborers.

What it actually costs you

Registration fee varies; requires employment proof and Aadhaar.

Common gotcha

You must be registered specifically under your local Mathadi board office to claim benefits.

state · Maharashtra Labour Welfare Board

Who qualifies

Workers contributing to the Labour Welfare Fund.

What you get

Scholarships for children, funeral grants, and maternity benefits.

What it actually costs you

Must have your Labour Welfare Fund contribution slip; online application.

Common gotcha

Many workers don't know they are eligible for the 'Gunwant Kamgar' award or educational grants.

state · Government of Maharashtra

Who qualifies

All registered workers in Maharashtra.

What you get

Single-window access to labour licenses, registration, and grievance redressal.

What it actually costs you

Free registration; requires digital copies of KYC documents.

Common gotcha

The portal is vast; look specifically for the 'Labour Department' tab to avoid getting lost.

state · Maharashtra Housing and Area Development Authority

Who qualifies

Industrial workers with a domicile certificate in Maharashtra.

What you get

Priority access to affordable housing lottery schemes.

What it actually costs you

Application fee for lottery; requires income certificate and domicile.

Common gotcha

The lottery system is highly competitive; keep checking the portal for 'Industrial Worker' category slots.

state · Public Health Department

Who qualifies

Families with an annual income below ₹1 lakh (Yellow/Orange ration card holders).

What you get

Cashless treatment for critical illnesses up to ₹1.5 lakh per family per year.

What it actually costs you

Zero cost; requires ration card and Aadhaar.

Common gotcha

This stacks with national insurance; ensure the hospital is empanelled under this specific state scheme.

state · Directorate of Medical Services

Who qualifies

Factory workers covered under ESI Act.

What you get

Access to state-run ESI hospitals and dispensaries for primary care.

What it actually costs you

Your monthly ESI payroll deduction.

Common gotcha

State-run dispensaries often have different operating hours than central hospitals; check your local list.

state · Labour Department, Government of Meghalaya

Who qualifies

Workers engaged in construction activities for at least 90 days in the last year.

What you get

Financial assistance for medical, education of children, and funeral expenses.

What it actually costs you

Small registration fee; requires Aadhaar, bank passbook, and proof of work.

Common gotcha

You must renew your membership annually to keep receiving benefits.

state · Labour Department

Who qualifies

Factory workers registered under the Factories Act in Meghalaya.

What you get

Scholarships for children and grants for sports/cultural activities.

What it actually costs you

Usually deducted via employer contribution; keep your pay slips.

Common gotcha

Many workers don't realize they are eligible for the scholarship component.

state · Meghalaya Health Systems Strengthening Project

Who qualifies

All residents of Meghalaya not covered by central government schemes.

What you get

Cashless health coverage up to ₹5 lakh per family per year.

What it actually costs you

Registration through MHIS kiosks; requires ration card or EPIC.

Common gotcha

It acts as a top-up to central schemes, so check if you are already covered by PMJAY first.

state · Social Welfare Department

Who qualifies

Low-income families facing extreme hardship or medical emergencies.

What you get

One-time financial grant for medical treatment or emergency relief.

What it actually costs you

Application through the local Deputy Commissioner's office.

Common gotcha

Requires a recommendation from the local village headman (Rangbah Shnong).

state · Food Civil Supplies & Consumer Affairs

Who qualifies

NFSA ration card holders in the state.

What you get

Additional subsidized essential commodities beyond central allocations.

What it actually costs you

Standard ration shop visit; carry your digital ration card.

Common gotcha

Availability depends on local supply chains in hilly districts.

state · Meghalaya Power Distribution Corporation

Who qualifies

Low-consumption domestic consumers.

What you get

Reduced tariff rates for the first 50-100 units of electricity.

What it actually costs you

Automatic adjustment on your electricity bill.

Common gotcha

Exceeding the unit limit triggers higher slab rates immediately.

state · Labour Department, Manipur

Who qualifies

Workers engaged in building or construction work for at least 90 days in the last year.

What you get

Financial assistance for marriage, maternity benefits, and death/disability compensation.

What it actually costs you

Small annual registration fee; requires employment certificate and Aadhaar.

Common gotcha

You must renew your membership annually to keep receiving benefits.

state · Health and Family Welfare Department

Who qualifies

BPL families needing treatment for life-threatening diseases.

What you get

Financial aid up to ₹1.5 lakh for treatment in government hospitals.

What it actually costs you

Medical report from a government doctor and income certificate.

Common gotcha

The process is slow; apply as soon as the doctor suggests surgery.

state · Government of Manipur

Who qualifies

Families not covered under PMJAY who are identified as poor.

What you get

Cashless treatment up to ₹2 lakh per family per year.

What it actually costs you

Enrollment at designated centers; requires ration card.

Common gotcha

Check if your specific hospital is empaneled before going.

state · Social Welfare Department

Who qualifies

Senior citizens above 60 years with no regular income.

What you get

Monthly pension of ₹200-500 (varies by budget).

What it actually costs you

Age proof and residency certificate.

Common gotcha

Funds are often delayed; check with your local Gram Panchayat.

state · Department of Textiles, Commerce and Industry

Who qualifies

Local artisans and weavers working in the state.

What you get

Subsidized raw materials and marketing support for products.

What it actually costs you

Registration with the state handloom board.

Common gotcha

Marketing support is only for products meeting quality standards.

state · Planning Department

Who qualifies

Individuals looking to start small manufacturing or service units.

What you get

Seed funding and interest subvention for small businesses.

What it actually costs you

Detailed project report and business plan.

Common gotcha

Competition is high; focus on unique local products.

state · Skill Development Mission

Who qualifies

Unemployed youth and factory workers seeking higher technical skills.

What you get

Free training in trades like welding, electrical, or machine operation.

What it actually costs you

Time commitment for 3-6 month courses.

Common gotcha

Certification is only valid if the center is government-affiliated.

state · Madhya Pradesh Labour Welfare Board

Who qualifies

Children of registered factory workers who are studying in Class 6 to Post-Graduation.

What you get

Annual scholarship ranging from ₹1,500 to ₹15,000 depending on the course level.

What it actually costs you

Requires factory ID, salary slip, and school bonafide certificate; apply via the online portal.

Common gotcha

The application window is very short; ensure your employer has updated your details on the portal.

state · Madhya Pradesh Labour Welfare Board

Who qualifies

Registered factory workers and their dependents for serious illness treatment.

What you get

Reimbursement of medical expenses up to ₹50,000 for major surgeries or chronic illness.

What it actually costs you

Hospital bills, discharge summary, and medical board certificate required.

Common gotcha

Must be submitted within 6 months of discharge from the hospital.

state · Labour Department, MP

Who qualifies

Registered female construction or factory workers during pregnancy.

What you get

₹16,000 total assistance (₹4,000 during pregnancy, ₹12,000 after delivery).

What it actually costs you

Requires registration certificate and hospital delivery proof.

Common gotcha

Only applicable for the first two live births.

state · MP Building and Other Construction Workers Welfare Board

Who qualifies

Registered workers who have been active for at least 90 days.

What you get

A free bicycle to help with commuting to the factory.

What it actually costs you

Application form submitted to the local Labour Office.

Common gotcha

Stock availability varies by district; check with your local labour inspector.

state · Social Justice Department, MP

Who qualifies

Daughters of registered workers getting married.

What you get

Financial assistance of ₹55,000 for wedding expenses.

What it actually costs you

Marriage certificate, Aadhaar, and worker registration proof.

Common gotcha

Application must be submitted at least 15 days before the wedding date.

state · Energy Department, MP

Who qualifies

Registered laborers under the BOCW board.

What you get

Fixed monthly electricity bill of ₹200 for domestic consumption.

What it actually costs you

Must have a valid connection and worker registration ID.

Common gotcha

Only applies to consumption up to 100 units; excess usage is billed normally.

state · Labour Department, MP

Who qualifies

Family of a registered worker in case of death.

What you get

₹10,000 for funeral expenses.

What it actually costs you

Death certificate and worker registration ID.

Common gotcha

Must be claimed by the nominee registered in the worker's file.

state · Labour, Employment, Skill Development & Entrepreneurship Department

Who qualifies

Workers engaged in construction work for at least 90 days in the preceding 12 months.

What you get

Financial assistance for education, marriage, medical treatment, and death benefits.

What it actually costs you

Registration fee of ₹20, requires Aadhaar, bank passbook, and proof of employment.

Common gotcha

You must renew your membership annually to keep receiving benefits.

state · Labour Department

Who qualifies

Employees working in factories and industrial establishments in Mizoram.

What you get

Scholarships for children of workers and grants for recreational activities.

What it actually costs you

Small monthly contribution deducted from salary, requires employer certification.

Common gotcha

Many workers don't know they are eligible for the scholarship component.

state · Department of Labour

Who qualifies

Workers not covered under formal social security schemes in the state.

What you get

Ex-gratia payment in case of accidental death or permanent disability.

What it actually costs you

Application form with local council recommendation.

Common gotcha

Must be applied for within a specific timeframe after the incident.

state · Department of Health & Family Welfare

Who qualifies

Permanent residents of Mizoram who are not covered by other central health schemes.

What you get

Cashless treatment up to ₹2 lakhs per family per year for secondary and tertiary care.

What it actually costs you

Annual premium payment, requires MSHCS smart card.

Common gotcha

It is a top-up; if you have PMJAY, check if you are eligible for both or if they overlap.

state · Chief Minister's Office

Who qualifies

Low-income residents facing major medical expenses not covered by insurance.

What you get

One-time financial grant for critical surgeries or chronic illness treatment.

What it actually costs you

Medical bills, doctor's referral, and income certificate from the local council.

Common gotcha

Requires a strong recommendation from a local MLA or council leader.

state · Department of Labour and Employment

Who qualifies

Registered construction workers who have worked for 90 days in the last year.

What you get

Financial assistance for medical, education of children, and funeral expenses.

What it actually costs you

Annual membership fee of ₹20; requires Aadhaar, bank passbook, and proof of work.

Common gotcha

Renewal of registration must be done annually to remain eligible for benefits.

state · Department of Employment, Skill Development and Entrepreneurship

Who qualifies

Registered unemployed youth in Nagaland with valid employment exchange registration.

What you get

Monthly stipend for a limited period while searching for employment.

What it actually costs you

Valid registration card from the local employment exchange; proof of residency.

Common gotcha

You must report to the exchange regularly to prove you are still seeking work.

state · Department of Employment, Skill Development and Entrepreneurship

Who qualifies

Nagaland residents aged 18-35 seeking vocational training.

What you get

Free short-term vocational training in trades like welding, electrical, and hospitality.

What it actually costs you

Zero fees; requires local Indigenous Inhabitant Certificate.

Common gotcha

Placement support is provided but depends on local industrial partnerships.

state · Department of Industries and Commerce

Who qualifies

Local artisans and small-scale workers involved in traditional crafts.

What you get

Access to raw material banks and marketing support for finished goods.

What it actually costs you

Registration with the state handicraft board; requires artisan ID card.

Common gotcha

Marketing support is often tied to specific state-run exhibitions.

state · Labour & ESI Department

Who qualifies

Workers aged 18-60 who have worked 90 days in construction in the last year.

What you get

Financial assistance for accidents, death, education of children, and marriage of daughters.

What it actually costs you

Small registration fee; requires Aadhaar, bank passbook, and proof of work days.

Common gotcha

The 90-day work proof is strictly verified; keep your work slips safe.

state · Labour & ESI Department

Who qualifies

Employees in factories and establishments covered under the Odisha Labour Welfare Fund Act.

What you get

Scholarships for children, medical aid, and vocational training support.

What it actually costs you

Minimal monthly contribution deducted from salary.

Common gotcha

Often confused with ESI; this is a separate welfare fund for non-medical social benefits.

state · Health & Family Welfare Department

Who qualifies

Low-income families not covered by other major health insurance schemes.

What you get

Cashless treatment up to ₹5 lakh per annum in empanelled hospitals.

What it actually costs you

Free; requires BSKY card or NFSA/SFSS ration card.

Common gotcha

Ensure your hospital is on the BSKY empanelled list before admission.

state · Labour & ESI Department

Who qualifies

Registered workers under the state labour department.

What you get

Compensation in case of accidental death or permanent disability.

What it actually costs you

No premium; requires FIR and medical death/disability certificate.

Common gotcha

Claim must be filed within a specific timeframe after the accident.

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

Registration at Anganwadi center; requires bank account.

Common gotcha

Must register early in pregnancy to receive both installments.

state · Panchayati Raj & Drinking Water Department

Who qualifies

Families living in kutcha houses in rural Odisha.

What you get

Financial assistance to convert kutcha house to pucca house.

What it actually costs you

Application through Gram Panchayat; requires land ownership proof.

Common gotcha

Priority is given to those in disaster-prone areas.

state · Food Supplies & Consumer Welfare Department

Who qualifies

Poor families left out of the National Food Security Act (NFSA).

What you get

5kg of rice per person per month at ₹1 per kg.

What it actually costs you

Ration card; updated periodically by local block office.

Common gotcha

Check your name in the updated list at the local PDS dealer.

state · Punjab Labour Welfare Board

Who qualifies

Children of workers registered with the Punjab Labour Welfare Board studying in schools or colleges.

What you get

Annual financial assistance ranging from ₹1,000 to ₹10,000 depending on the course level.

What it actually costs you

Application form, copy of labour card, and school bonafide certificate.

Common gotcha

The application window is very short; keep your Labour Card updated annually.

state · Department of Social Justice, Empowerment and Minorities

Who qualifies

Daughters of low-income families registered under the state welfare schemes at the time of marriage.

What you get

A one-time grant of ₹51,000 transferred directly to the bank account.

What it actually costs you

Marriage certificate, income certificate, and Aadhaar card.

Common gotcha

Must apply within 30 days before or after the marriage date.

state · Department of Social Security and Women and Child Development

Who qualifies

Girl students studying in government schools in Punjab.

What you get

A free bicycle to commute to school.

What it actually costs you

School enrollment proof and residence certificate.

Common gotcha

Distribution is often done in batches; check with your local school principal.

state · Punjab Health Systems Corporation

Who qualifies

Low-income families, including registered construction and factory workers not covered by ESI.

What you get

Cashless treatment up to ₹5 lakh per family per year in empanelled hospitals.

What it actually costs you

e-card generated using Aadhaar and ration card.

Common gotcha

This stacks with central schemes; if you have ESI, you are generally excluded from this.

state · Punjab Labour Welfare Board

Who qualifies

Registered workers facing major medical expenses not covered by other insurance.

What you get

Partial reimbursement of hospital bills for serious ailments.

What it actually costs you

Original medical bills, discharge summary, and doctor's prescription.

Common gotcha

Must submit claims within 6 months of discharge.

state · Labour Department, Puducherry

Who qualifies

Registered factory workers contributing to the welfare fund.

What you get

Financial assistance for marriage, maternity, and funeral expenses.

What it actually costs you

Small monthly contribution deducted from salary; requires membership card.

Common gotcha

Many workers forget to renew their registration annually, leading to claim rejections.

state · Directorate of Industrial Safety and Health

Who qualifies

Workers injured during the course of employment in registered factories.

What you get

Ex-gratia payment for permanent disability or death during work.

What it actually costs you

Police FIR copy and medical reports from a government hospital.

Common gotcha

Must be reported within 48 hours of the incident to the inspectorate.

state · Puducherry Road Transport Corporation

Who qualifies

Low-wage industrial workers commuting via state buses.

What you get

Discounted monthly bus passes for travel to industrial estates.

What it actually costs you

Employment certificate from the factory manager and passport photos.

Common gotcha

Passes are only valid for specific routes; changing factories requires a new application.

state · Puducherry Housing Board

Who qualifies

Permanent factory workers without a home in the UT.

What you get

Subsidized rental or purchase options in designated worker colonies.

What it actually costs you

Proof of income and domicile certificate.

Common gotcha

Extremely long waiting lists; requires persistent follow-up at the board office.

state · Department of Civil Supplies and Consumer Affairs

Who qualifies

Red and Yellow ration card holders in Puducherry.

What you get

10kg of free rice per month per family.

What it actually costs you

Valid Aadhaar-linked ration card.

Common gotcha

Supply is sometimes delayed; check the local fair price shop notice board.

state · Department of Health and Family Welfare

Who qualifies

Families covered under national health schemes.

What you get

Additional coverage for specific procedures not covered by central schemes.

What it actually costs you

Registration at the nearest government primary health centre.

Common gotcha

Only valid in government-empanelled hospitals within the UT.

state · Labour Department

Who qualifies

Children of registered factory workers studying in high school or college.

What you get

Annual cash grant for books and tuition fees.

What it actually costs you

Bonafide certificate from the school/college.

Common gotcha

Applications must be submitted within 3 months of the academic year start.

state · Labour Department, Rajasthan

Who qualifies

Registered construction workers with at least 90 days of work in the last year.

What you get

Financial assistance for children's education, marriage grants, and tool kit subsidies.

What it actually costs you

Annual membership renewal fee; requires Labour Card and Aadhaar.

Common gotcha

The registration often lapses if you don't renew it annually at the local labour office.

state · Rajasthan Labour Department

Who qualifies

Children of registered construction workers studying in schools or colleges.

What you get

Annual scholarship ranging from ₹8,000 to ₹35,000 depending on the course level.

What it actually costs you

School bonafide certificate and current year fee receipt.

Common gotcha

Must be applied within the same academic year; late applications are rejected.

state · Social Justice and Empowerment Department

Who qualifies

Workers diagnosed with silicosis due to industrial or mining exposure.

What you get

₹3 lakh on diagnosis, ₹2 lakh for funeral expenses, and a monthly pension of ₹1,500.

What it actually costs you

Requires medical board certification of the disease.

Common gotcha

The diagnosis process is strict; ensure the medical report is from a government-designated board.

state · Government of Rajasthan

Who qualifies

All Rajasthan families; free for NFSA and small/marginal farmers.

What you get

Cashless treatment up to ₹25 lakh per family per year in empanelled hospitals.

What it actually costs you

Jan Aadhaar card is mandatory; no fee for eligible categories.

Common gotcha

Check if your specific hospital is currently empanelled, as the list changes frequently.

state · Rajasthan Medical Services Corporation

Who qualifies

Any patient visiting a government hospital in Rajasthan.

What you get

Free essential medicines and diagnostic tests.

What it actually costs you

Prescription from a government doctor.

Common gotcha

Sometimes specific medicines are out of stock; check the availability board at the hospital pharmacy.

state · Health Care, Human Services and Family Welfare Department

Who qualifies

All permanent residents of Sikkim holding a Certificate of Identification (COI).

What you get

Cashless treatment for secondary and tertiary care at empanelled hospitals.

What it actually costs you

Zero premium; requires COI and valid ration card.

Common gotcha

Must ensure your hospital is on the state-specific empanelled list, not just the national PMJAY list.

state · Health Care Department

Who qualifies

All citizens of Sikkim.

What you get

Free annual comprehensive medical screening and diagnostics.

What it actually costs you

Zero; visit your nearest PHC or CHC with your health card.

Common gotcha

People often forget to book the slot, leading to long queues on the final days of the cycle.

state · Department of Social Welfare

Who qualifies

Pregnant women who are residents of Sikkim.

What you get

Financial assistance for nutrition and post-natal care.

What it actually costs you

Requires registration at the local Anganwadi center.

Common gotcha

Documentation of the first antenatal check-up is mandatory for the first installment.

state · Labour Department

Who qualifies

Registered factory and construction workers in Sikkim.

What you get

Financial aid for children's education, funeral expenses, and medical emergencies.

What it actually costs you

Annual membership fee; requires valid Labour Identification Card.

Common gotcha

You must renew your registration annually to stay eligible for benefits.

state · Skill Development Department

Who qualifies

Unemployed youth and workers looking to upgrade skills.

What you get

Free vocational training in hospitality, construction, and manufacturing.

What it actually costs you

Time; requires Aadhaar and proof of residency.

Common gotcha

Placement support is provided, but you must be willing to relocate within the state.

state · Sikkim Nationalised Transport

Who qualifies

Local residents and workers using state buses.

What you get

Discounted monthly bus passes for daily commuters.

What it actually costs you

Application fee for the pass; requires ID proof.

Common gotcha

The pass is only valid on SNT buses, not private taxis.

state · Labour Welfare and Skill Development Department

Who qualifies

Registered manual workers aged 18-60 working in factories or construction.

What you get

Financial assistance for marriage, education of children, and funeral expenses.

What it actually costs you

Registration fee of ₹25, requires Aadhaar and employment certificate.

Common gotcha

You must renew your registration every 3 years to remain eligible for benefits.

state · Tamil Nadu Labour Welfare Board

Who qualifies

Workers registered with the state labour welfare board who suffer work-related injuries.

What you get

Up to ₹1,00,000 for permanent disability or death compensation.

What it actually costs you

Medical reports and police FIR (if applicable) are mandatory.

Common gotcha

Claims must be filed within 6 months of the accident date.

state · Tamil Nadu Labour Welfare Board

Who qualifies

Children of registered factory workers pursuing 10th, 12th, or college degrees.

What you get

Annual cash grant ranging from ₹1,000 to ₹10,000 based on the course level.

What it actually costs you

Bonafide certificate from school/college and parent's ID card.

Common gotcha

The child must pass the previous year's exam to qualify for the next year's grant.

state · Social Welfare Department

Who qualifies

Women from low-income families or daughters of registered workers.

What you get

Cash assistance of ₹25,000 to ₹50,000 and 8 grams of gold for thali.

What it actually costs you

Income certificate and marriage invitation card.

Common gotcha

Application must be submitted at least 45 days before the wedding date.

state · Tamil Nadu State Transport Corporation

Who qualifies

Daily wage workers and low-income commuters.

What you get

Significant reduction in monthly bus pass costs for daily commutes.

What it actually costs you

Passport size photo and proof of residence/employment.

Common gotcha

Only valid on specific routes; check if your factory route is covered.

state · Tamil Nadu Civil Supplies Corporation

Who qualifies

All ration card holders in the state.

What you get

Free rice (up to 20kg) every month through fair price shops.

What it actually costs you

Smart Ration Card (Family Card).

Common gotcha

You must link your mobile number to the card to receive SMS alerts on stock arrival.

municipal · Local Municipal Corporations

Who qualifies

General public, especially daily wage workers.

What you get

Idli for ₹1, Sambar rice for ₹5, and Curd rice for ₹3.

What it actually costs you

Cash payment at the counter; no documents needed.

Common gotcha

Food runs out very quickly, usually by 10 AM for breakfast.

state · Labour Department, Government of Tripura

Who qualifies

Workers engaged in construction activities for at least 90 days in the preceding year.

What you get

Financial assistance for medical, education of children, and funeral expenses.

What it actually costs you

Small annual membership fee; requires Aadhaar, bank passbook, and proof of work.

Common gotcha

Renewal of membership must be done annually or benefits lapse.

state · Labour Department

Who qualifies

Unorganised sector workers aged 18-60 not covered by ESI/EPF.

What you get

Monthly pension support and disability coverage.

What it actually costs you

Nominal monthly contribution; requires identity proof and residency certificate.

Common gotcha

Often confused with central PM-SYM, but this is a state-specific top-up.

state · Directorate of Industries and Commerce

Who qualifies

Workers injured while on duty in registered industrial units in Tripura.

What you get

One-time ex-gratia payment for permanent disability or death.

What it actually costs you

Requires FIR, medical report, and employer verification.

Common gotcha

Must be filed within 30 days of the accident.

state · Labour Department

Who qualifies

Registered factory workers in industrial estates.

What you get

Nutritious lunch at a highly subsidized rate of ₹10-20.

What it actually costs you

Requires a valid worker ID card issued by the factory.

Common gotcha

Only available in specific industrial zones like Bodhjungnagar.

state · Chief Minister's Office

Who qualifies

Low-income families facing major medical expenses not covered by other schemes.

What you get

Financial grant for surgery or critical treatment.

What it actually costs you

Requires medical bills, income certificate, and recommendation from local MLA.

Common gotcha

Processing takes time; not for routine checkups.

state · Rural Development Department

Who qualifies

Beneficiaries of central housing schemes who are landless or need extra support.

What you get

Additional cash grant of ₹20,000 for house completion.

What it actually costs you

Must have an existing PMAY-G sanction letter.

Common gotcha

Funds are released in stages based on construction progress.

state · Education Department

Who qualifies

Children of low-income workers studying in state-run schools.

What you get

Annual stipend for books and uniforms.

What it actually costs you

Requires school bonafide certificate and income proof.

Common gotcha

Apply early in the academic year; late applications are rejected.

state · Food, Civil Supplies & Consumer Affairs

Who qualifies

BPL and Antyodaya cardholders in Tripura.

What you get

Additional 2kg of pulses or sugar at subsidized rates.

What it actually costs you

Must present ration card at the local fair price shop.

Common gotcha

Stock availability varies by district; check with your local dealer.

state · Labour Department, Telangana

Who qualifies

Construction workers aged 18-60 who have worked 90 days in the last year.

What you get

Financial assistance for marriage, maternity, education, and funeral expenses.

What it actually costs you

Small registration fee; requires Aadhaar, bank passbook, and employer certificate.

Common gotcha

Renewal of membership is mandatory every year to keep benefits active.

state · Directorate of Factories

Who qualifies

Workers employed in registered factories within Telangana.

What you get

Mandatory safety gear and periodic health check-ups provided by the employer.

What it actually costs you

Zero cost; it is a statutory obligation of the factory owner.

Common gotcha

Workers often ignore safety protocols; report non-compliance to the local inspector.

state · Labour Department

Who qualifies

Any worker facing wage theft or illegal termination.

What you get

Legal mediation and intervention by government labour officers.

What it actually costs you

Free; requires a formal written complaint or online submission.

Common gotcha

Keep copies of your appointment letter and pay slips as evidence.

state · Labour Department

Who qualifies

All scheduled industrial workers in the state.

What you get

Guaranteed minimum daily/monthly wage as per state notification.

What it actually costs you

Zero; check the latest gazette notification for your specific industry.

Common gotcha

Many small factories pay less than the notified rate; check the notice board.

state · Society for Elimination of Rural Poverty (SERP)

Who qualifies

Elderly, widows, and disabled persons from low-income households.

What you get

Monthly pension ranging from ₹2,016 to ₹3,016 depending on the category.

What it actually costs you

Application through Meeseva centres with income and age proof.

Common gotcha

Must have a white ration card to prove low-income status.

state · Minority/BC/SC/ST Welfare Departments

Who qualifies

Unmarried girls from low-income families at the time of marriage.

What you get

One-time financial assistance of ₹1,00,116.

What it actually costs you

Application must be submitted before the wedding date.

Common gotcha

Strict age verification (bride must be 18+).

state · Telangana Health Department

Who qualifies

Residents of urban areas in Hyderabad and other cities.

What you get

Free primary healthcare, consultations, and basic medicines.

What it actually costs you

Free; just walk in with an ID proof.

Common gotcha

Only for primary care; for surgeries, you are referred to government hospitals.

state · IT, Electronics and Communication Department

Who qualifies

All citizens of Telangana.

What you get

Single-window access to income, caste, and residence certificates.

What it actually costs you

Nominal service fee per document.

Common gotcha

Always collect the receipt with the application number.

state · Labour Department, Government of Uttarakhand

Who qualifies

Registered construction and factory workers with at least 90 days of work in the last year.

What you get

Financial assistance for marriage, maternity, death, and funeral expenses.

What it actually costs you

Annual renewal fee of ₹20; requires Aadhaar, bank passbook, and work certificate.

Common gotcha

Many workers forget to renew their registration every year, which makes them ineligible for claims.

state · Uttarakhand Labour Welfare Board

Who qualifies

Children of registered workers studying from Class 1 to graduation.

What you get

Annual scholarship ranging from ₹3,000 to ₹10,000 depending on the course level.

What it actually costs you

School bonafide certificate and parent's registration card.

Common gotcha

The application must be submitted within the academic year; late applications are rejected.

state · Uttarakhand Labour Welfare Board

Who qualifies

Registered workers who commute to work by cycle.

What you get

A new bicycle or a cash subsidy to purchase one.

What it actually costs you

Submission of a self-declaration form and registration proof.

Common gotcha

Limited stock available annually; apply early in the financial year.

state · State Health Agency, Uttarakhand

Who qualifies

All residents of Uttarakhand not covered under central schemes.

What you get

Cashless treatment up to ₹5 lakh per family per year in empanelled hospitals.

What it actually costs you

Golden card issuance; requires ration card and Aadhaar.

Common gotcha

This acts as a top-up or alternative to PMJAY; ensure your hospital is empanelled for AAUY specifically.

state · Uttarakhand Labour Welfare Board

Who qualifies

Registered workers facing major illness or surgery.

What you get

Reimbursement of medical expenses not covered by other insurance.

What it actually costs you

Original medical bills and hospital discharge summary.

Common gotcha

Bills must be submitted within 6 months of treatment.

state · UP Labour Welfare Board

Who qualifies

Registered construction and factory workers with at least 90 days of work in the last year.

What you get

Financial aid for daughter's marriage, cycle for commute, and tool kits.

What it actually costs you

Registration fee of ₹20, requires Labour Card and Aadhaar.

Common gotcha

The portal is often slow; keep your bank account linked to Aadhaar (DBT) to avoid payment delays.

state · Labour Department, UP

Who qualifies

Registered workers in organized/unorganized sectors in UP.

What you get

Monthly pension support and one-time death/disability compensation.

What it actually costs you

Annual renewal of membership required.

Common gotcha

Must renew membership every year to keep the insurance active.

state · Labour Department, UP

Who qualifies

Registered workers whose daughters are getting married.

What you get

₹55,000 for marriage expenses.

What it actually costs you

Marriage certificate and proof of registration required.

Common gotcha

Application must be submitted at least 90 days before the wedding date.

state · UP Housing and Development Board

Who qualifies

Registered factory workers living in industrial hubs.

What you get

Subsidized rental housing or low-cost flats.

What it actually costs you

Proof of employment in a registered factory.

Common gotcha

Limited availability; you must track local industrial area notices.

state · State Health Agency, UP

Who qualifies

Families not covered under national Ayushman Bharat but meeting state income criteria.

What you get

Cashless treatment up to ₹5 lakh per family per year.

What it actually costs you

Income certificate and ration card.

Common gotcha

This stacks with national Ayushman Bharat; don't apply if you already have the central card.

state · Uttar Pradesh State Road Transport Corporation

Who qualifies

Registered industrial workers commuting to work.

What you get

Discounted monthly bus passes for specific routes.

What it actually costs you

ID card from your factory and Labour Department certificate.

Common gotcha

Only valid on government-run UPSRTC buses, not private operators.

state · Labour Department, UP

Who qualifies

Children of registered workers studying in classes 6 to 12.

What you get

Annual scholarship ranging from ₹1,000 to ₹12,000 based on grade.

What it actually costs you

School bonafide certificate and parent's labour card.

Common gotcha

Must apply via the portal during the specific academic window.

state · Labour Department, Government of West Bengal

Who qualifies

Employees in factories, plantations, and motor transport undertakings.

What you get

Financial assistance for medical treatment, funeral expenses, and educational scholarships for children.

What it actually costs you

Small monthly contribution deducted from salary; requires membership card and employer certification.

Common gotcha

Many workers forget to renew their membership annually; keep your passbook updated.

state · Department of Labour

Who qualifies

Daily wage earners and informal sector workers facing financial distress.

What you get

One-time financial assistance of ₹1,000.

What it actually costs you

Aadhaar card, bank account details, and self-declaration of income.

Common gotcha

Only one member per family can apply; ensure your bank account is Aadhaar-seeded.

state · Labour Department

Who qualifies

Workers engaged in construction activities for at least 90 days in the last year.

What you get

Accidental death benefits, disability pension, and marriage assistance for daughters.

What it actually costs you

Registration fee of ₹20; requires proof of work and age certificate.

Common gotcha

The 90-day work certificate from the employer is the most frequently rejected document due to missing stamps.

state · Chief Minister's Office

Who qualifies

Workers suffering from severe illness or victims of natural disasters.

What you get

Discretionary financial aid for medical emergencies.

What it actually costs you

Medical reports, income certificate, and a letter of recommendation from a local MLA.

Common gotcha

Requires significant paperwork and follow-up at the local BDO office.

state · Department of Health and Family Welfare

Who qualifies

All residents of West Bengal who are not covered under other government health schemes.

What you get

Cashless health insurance cover up to ₹5 lakh per family per year.

What it actually costs you

Zero cost; requires Swasthya Sathi smart card.

Common gotcha

Private hospitals sometimes refuse the card; always check the 'empanelled' list on the portal first.

state · Department of Women Development and Social Welfare

Who qualifies

Unmarried girls aged 13-18 studying in government schools.

What you get

Annual scholarship of ₹1,000 and a one-time grant of ₹25,000 upon turning 18.

What it actually costs you

School enrollment proof and bank account.

Common gotcha

The account must be in the girl's name; joint accounts are often rejected.

state · Higher Education Department

Who qualifies

Students residing in WB for 10+ years pursuing higher studies.

What you get

Soft loan up to ₹10 lakh at 4% interest rate.

What it actually costs you

Aadhaar, PAN, and admission proof; no collateral required.

Common gotcha

The loan is only for tuition and related academic expenses, not living costs.