Pradhan Mantri Shram Yogi Maan-Dhan scheme to provide old age pension to unorganized sector workers

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As per the Unorganised Workers’ Social Security Act, 2008, the Government is mandated to provide Social Security to the workers of unorganised sector including vendors and street side workers by formulating suitable welfare schemes on matters relating to life and disability cover, health and maternity benefits, old age protection etc. The details of the social security schemes are as follows:

(i) The Life and Disability cover is provided through Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY). PMJJBY is available to the people in the age group of 18 to 50 years having a bank/post office account who give their consent to join/enable auto debit. Risk coverage under this scheme is for Rs. 2.00 lakh in case of death of insured, due to any reason, at an annual premium of Rs. 436/- which is to be auto debited from the subscriber’s bank/post office account. The Pradhan Mantri Suraksha Bima Yojana (PMSBY) is also available to the people in the age group of 18 to 70 years with a bank/post office account who give their consent to join/enable auto debit. The risk coverage under the scheme is for Rs 2.00 lakh in case of accidental death or total permanent disability and Rs. 1.00 lakh for partial permanent disability; due to accident at a premium of Rs. 20 per annum which is to be deducted from the account holder’s bank/post office account through ‘auto-debit’.

(ii) The Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (ABPMJAY) provides an annual health cover of Rs. 5 lakhs per eligible family for secondary and tertiary care hospitalization corresponding to 1949 treatment procedures across 27 specialties. It is a completely cashless and paperless scheme. The beneficiary families under AB-PMJAY have been identified from Social Economic Caste Census (SECC) of 2011 basis 6 deprivation and 11 occupational criteria across rural and urban areas.

(iii) In order to provide old age protection, the Government of India launched Pradhan Mantri Shram Yogi Maan-Dhan (PM-SYM) pension scheme in 2019. It provides monthly pension of Rs. 3000/- after attaining the age of 60 years. The workers in the age group of 18-40 years whose monthly income is Rs. 15000/- or less and not a member of EPFO/ESIC/NPS (Govt. funded) can join the PM-SYM Scheme. Under this scheme 50% monthly contribution is payable by the beneficiary and equal matching contribution is paid by the Central Government. Under the scheme, the fund towards Government’s contribution is provided to LIC being the fund manager.

(iv) Government has launched PM Street Vendor’s Atma Nirbhar Nidhi (PM SVANidhi) Scheme on June 01, 2020 to facilitate collateral free working capital loan to street vendors to restart their businesses, which were adversely impacted during the Covid-19 pandemic. State wise data on beneficiaries for Prime Minister Street Vendor’s Atma Nirbhar Nidhi (PM SVANidhi Scheme) is at Annexure-I.

Ministry is conducting regular review meetings with all the stakeholders of the PMSYM scheme to monitor the progress on regular basis. Call center and grievance management systems have also been established in order to address the queries and grievances of beneficiaries and to monitor the operational aspects of the schemes.

The details of funds allocated and utilized under the Pradhan Mantri Shram Yogi Maan-Dhan (PM-SYM) scheme during each of the last three years and the current year is as per Annexure-II. There is no specific State wise expenditure as the fund manager is LIC of India. The State wise registration of the PMSYM scheme is at Annexure-III.

The benefit of Pradhan Mantri Shram Yogi Maan-Dhan yojana is only after attaining the age of 60 years in the form of monthly pension of Rs. 3000/-. As such no registered worker under this scheme has attained the age of 60 years.

The Government had launched e-Shram portal in August 2021 with an objective to create National Database of Unorganised Workers and to facilitate delivery of Social Security Schemes/Welfare schemes to the unorganised workers including vendors and streetside sellers.


Sl.No

State

Eligible Application

Applications Sanction

Disbursed

Disbursed Amount (In Cr.)

FY 20-21

FY 21-22

FY 22- 23

FY 20-21

FY 21-22

FY 22- 23

FY 20-21

FY 21-22

FY 22- 23

FY 20-21

FY 21-22

FY 22- 23

1

ANDAMAN AND NICOBAR ISLANDS

429

205

301

395

142

245

387

146

176

0.39

0.20

0.38

2

ANDHRA PRADESH

149,335

104,564

96,151

117,852

86,981

59,636

112,747

81,486

42,091

112.05

92.39

76.04

3

ARUNACHAL PRADESH

3,280

1,502

1,915

1,839

892

2,295

1,588

1,101

1,327

1.59

1.30

2.07

4

ASSAM

24,412

57,677

28,746

15,817

46,522

25,712

14,157

42,502

17,819

14.12

44.49

27.23

5

BIHAR

69,579

27,273

26,455

33,893

23,403

15,927

28,862

19,425

8,607

28.49

20.04

14.38

6

CHANDIGARH

3,027

2,303

3,130

2,148

1,591

1,863

2,051

1,591

1,717

2.04

1.77

3.07

7

CHHATTISGARH

68,493

16,719

32,233

41,021

10,783

14,241

40,296

9,208

9,946

39.93

11.98

17.77

8

DAMAN & DIU AND DADRA & NAGAR HAVELI

1,996

204

880

1,121

164

734

1,029

228

252

1.03

0.24

0.44

9

DELHI

47,187

22,508

69,646

33,069

11,668

41,305

31,169

11,052

24,137

30.95

11.55

32.63

10

GOA

1,240

510

978

1,028

429

548

1,017

391

402

1.01

0.56

0.89

11

GUJARAT

142,656

185,903

130,287

106,708

119,026

113,504

102,351

111,473

89,586

101.61

127.98

147.82

12

HARYANA

30,930

23,036

19,993

17,807

14,670

13,261

16,943

11,573

10,752

16.78

13.70

18.08

13

HIMACHAL PRADESH

3,245

1,358

2,917

2,812

1,242

2,022

2,767

1,240

1,758

2.76

1.88

3.97

14

JAMMU AND KASHMIR

14,560

4,757

8,537

11,895

3,927

5,202

11,514

4,011

4,367

11.50

5.31

8.75

15

JHARKHAND

34,125

16,287

20,005

22,551

9,998

11,299

22,031

8,370

6,406

21.90

9.89

11.02

16

KARNATAKA

159,558

47,837

107,929

114,450

53,462

82,521

107,979

45,173

57,368

107.61

56.73

100.75

17

KERALA

9,269

4,210

6,889

8,142

3,387

5,604

8,052

3,361

4,454

8.00

5.34

8.88

18

LADAKH

271

102

266

249

78

220

247

73

191

0.25

0.13

0.41

19

MADHYA PRADESH

419,566

269,727

255,524

324,161

206,159

201,502

313,909

199,257

157,108

312.09

241.76

277.15

20

MAHARASHTRA

236,329

61,886

403,972

169,517

49,132

314,895

149,131

60,446

178,846

148.15

72.59

226.27

21

MANIPUR

14,452

2,224

4,566

6,773

1,878

3,634

6,094

2,498

1,282

6.09

2.60

2.36

22

MEGHALAYA

346

428

1,278

266

394

1,040

253

383

780

0.25

0.41

0.95

23

MIZORAM

530

172

338

446

132

99

442

134

78

0.44

0.23

0.17

24

NAGALAND

1,811

793

1,012

1,214

465

639

1,202

467

382

1.20

0.63

0.64

25

ODISHA

47,866

12,015

24,919

29,262

12,958

17,624

27,489

8,835

8,445

27.17

10.36

15.85

26

PUDUCHERRY

1,436

357

738

1,202

169

640

1,130

226

458

1.13

0.34

0.87

27

PUNJAB

66,755

19,733

28,949

29,474

12,478

13,350

26,663

13,180

10,066

26.43

13.66

17.23

28

RAJASTHAN

101,149

19,083

50,155

55,767

14,484

34,175

50,330

16,948

7,973

50.16

17.01

14.18

29

SIKKIM

3

10

1

1

1

0.00

30

TAMIL NADU

226,235

110,499

110,520

110,387

75,895

70,852

87,716

77,713

53,564

87.20

79.39

90.78

31

TELANGANA

392,872

99,118

152,288

330,587

76,515

118,670

310,500

87,338

79,594

307.05

139.98

160.87

32

TRIPURA

3,663

1,092

1,614

2,622

1,123

1,103

2,600

732

601

2.59

0.94

1.10

33

UTTAR PRADESH

684,545

176,221

488,697

594,333

215,337

349,459

563,992

236,200

304,805

555.22

248.15

486.06

34

UTTARAKHAND

13,735

3,421

10,143

9,258

2,020

7,287

9,111

1,902

6,321

9.07

2.41

10.79

35

WEST BENGAL

12,042

17,791

15,381

5,218

9,609

5,538

2,379

11,179

1,718

2.36

11.03

2.50

Total

2,986,927

1,311,515

2,107,362

2,203,284

1,067,114

1,536,647

2,058,128

1,069,843

1,093,377

2,038.60

1,246.98

1,782.34

Source: Ministry of Housing and Urban Affair

 

ANNEXURE-II

 

Year

Fund allocated (Rs. in crores)

Expenditure (Rs. in crores)

2018-19

50

49.49

2019-20

500

359.95

2020-21

500

319.71

2021-22

400

324.23

2022-23

350

194.00 approx. (As on 01.03.2023)

 

 

 

 

 

 

 

 

 

 

 

 

Annexure III

 

STATE -WISE AND YEAR-WISE DETAILS OF PMSYM SCHEME

Sl. No.

State/UT Name

2018-19

2019-20

2020-21

2021-22

2022-23

Total

1

Andaman and Nicobar

Islands

1033

822

277

175

32

2339

2

Andhra Pradesh

37444

107248

6201

1568

17801

170262

3

Arunachal Pradesh

810

1589

77

203

191

2870

4

Assam

9634

7563

3876

6343

10233

37649

5

Bihar

104887

74782

16924

9472

10459

216524

6

Chandigarh

974

3738

361

90

11

5174

7

Chhattisgarh

92631

111930

3857

5011

15989

229418

8

Dadra and Nagar Haveli

and Daman & Diu

953

575

37

20

42

1627

9

Delhi

4791

2711

608

1575

562

10247

10

Goa

212

728

35

27

1025

2027

11

Gujarat

335279

31407

2050

2432

16119

387287

12

Haryana

562199

314740

26049

10216

3926

917130

13

Himachal Pradesh

14355

26033

1362

2643

3163

47556

14

Jammu & Kashmir

36735

27056

6643

3138

659

74231

15

Jharkhand

97735

29266

2326

1642

4813

135782

16

Karnataka

39351

51925

8769

16267

13721

130033

17

Kerala

7027

2398

1136

1893

3013

15467

18

Ladakh

889

563

10

7

4

1473

19

Lakshwadeep

21

0

0

0

0

21

20

Madhya Pradesh

80101

39089

5139

7509

45621

177459

21

Maharashtra

527226

61984

9541

6980

8410

614141

22

Manipur

2350

1310

237

335

1463

5695

23

Meghalaya

916

1162

811

410

2027

5326

24

Mizoram

436

120

58

60

474

1148

25

Nagaland

1432

2547

739

138

90

4946

26

Odisha

104847

50621

9107

7128

12227

183930

27

Puducherry

851

322

82

72

1054

2381

28

Punjab

21915

9891

1718

1575

23380

58479

29

Rajasthan

61907

216675

3303

2582

21247

305714

30

Sikkim

61

43

21

17

166

308

31

Tamil Nadu

40730

14016

2381

2317

6355

65799

32

Telangana

19438

18455

2612

1715

6531

48751

33

Tripura

13680

12184

3113

1337

1350

31664

34

Uttar Pradesh

466310

349720

38701

13361

19668

887760

35

Uttarakhand

18629

14622

1291

493

3747

38782

36

West Bengal

35920

24055

12559

20178

13043

105755

Total

27,43,709

16,11,890

1,72,011

1,28,929

2,68,616

49,25,155