Government Schemes for Workers (2026)
11 schemes · central & state · official links
Data last verified against official sources:
These are the government schemes tracked on Nagarik that workers can use: registration for unorganised workers, pensions, insurance, unemployment relief, loans for vendors and artisans, and low-cost meals. 9 are central schemes that apply across India and 2 are run by state governments. Each scheme links to its own page with eligibility, status and the official website. Apply only on official government portals; you do not need an agent.
Central government schemes
| Scheme | Run by | What it offers | Official link |
|---|---|---|---|
| e-Shram Portal (Unorganised Workers) | Government of India | National database of unorganised sector workers enabling targeted social security benefits including accident insurance (₹2 lakh), future pension, and portability of welfare schemes. | eshram.gov.in ↗ |
| Pradhan Mantri Shram Yogi Maandhan (PM-SYM) | Government of India | Voluntary pension scheme for unorganised workers aged 18–40 with monthly income below ₹15,000. | labour.gov.in ↗ |
| Atal Beemit Vyakti Kalyan Yojana (ABVKY) | Government of India | Unemployment relief for workers insured under the ESI Act, 1948, paid for up to 90 days once in a lifetime. | esic.in ↗ |
| PM SVANidhi (Street Vendor Loans) | Government of India | Collateral-free working-capital loans for urban street vendors, with an interest subsidy for timely repayment and cashback on digital transactions. | pmsvanidhi.mohua.gov.in ↗ |
| PM Vishwakarma Yojana | Government of India | Credit, skill training, and marketing support for 18 traditional crafts and trades including carpentry, weaving, pottery, and blacksmithing. | pmvishwakarma.gov.in ↗ |
| Pradhan Mantri Suraksha Bima Yojana (PMSBY) | Government of India | Low-cost accident insurance for bank account holders aged 18–70. | jansuraksha.gov.in ↗ |
| Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) | Government of India | Life insurance for bank account holders aged 18–50, covering death from any cause. | jansuraksha.gov.in ↗ |
| Pradhan Mantri Kaushal Vikas Yojana (PMKVY) | Government of India | Short-term skill training and certification scheme for youth, including recognition of prior learning for people already working. | skillindiadigital.gov.in ↗ |
| Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY) | Government of India | Placement-linked skill training for rural youth from poor families, run by the Ministry of Rural Development under DAY-NRLM. | kaushal.dord.gov.in ↗ |
State government schemes
| Scheme | Run by | What it offers | Official link |
|---|---|---|---|
| Atal Canteen | Delhi | Subsidised meals at ₹5 each through government-run canteens in Delhi, aimed at labourers and economically weaker sections. | newsonair.gov.in ↗ |
| Antyodaya Aahar Yojana | Haryana | Subsidised meal scheme providing nutritious food at ₹10 per plate through government canteens in urban centres across Haryana. | haryana.gov.in ↗ |
Schemes for others
Frequently asked questions
Which government schemes are there for workers in India?
Schemes tracked on Nagarik include e-Shram Portal (Unorganised Workers), Pradhan Mantri Shram Yogi Maandhan (PM-SYM), Atal Beemit Vyakti Kalyan Yojana (ABVKY), PM SVANidhi (Street Vendor Loans), PM Vishwakarma Yojana, Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Kaushal Vikas Yojana (PMKVY).
Which central government schemes are for workers?
Central schemes include e-Shram Portal (Unorganised Workers), Pradhan Mantri Shram Yogi Maandhan (PM-SYM), Atal Beemit Vyakti Kalyan Yojana (ABVKY), PM SVANidhi (Street Vendor Loans), PM Vishwakarma Yojana, Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Kaushal Vikas Yojana (PMKVY).
Where can I apply?
Apply only on the official portal of each scheme. For example: e-Shram Portal (Unorganised Workers) (eshram.gov.in); Atal Beemit Vyakti Kalyan Yojana (ABVKY) (esic.in); PM SVANidhi (Street Vendor Loans) (pmsvanidhi.mohua.gov.in); PM Vishwakarma Yojana (pmvishwakarma.gov.in).