Every scheme below is verified against an official government source — what you get, who qualifies, what documents to keep ready, and the official link. For masons, electricians, plumbers, painters, welders, daily-wage and migrant workers. Free to apply. No agents needed.
21 schemes · all verified36 States & UTs coveredUpdated 25 July 2026Official links only
Start here — three things first
Register with your State BOCW boardFor construction workers this is usually the most important route — each State board has its own benefits. Use the State finder below. Keep the membership renewed.
Make your e-Shram cardFree, for unorganised workers aged 16–59 not in EPFO/ESIC/Govt-NPS. It is a record and a gateway — it does NOT automatically give BOCW or insurance benefits.
Ask your bank about PMSBY & PMJJBYAccident and life cover for a few rupees a year, enrolled only through your own bank with auto-debit consent. Confirm nomination and policy status with the bank.
By your trade
Mason / Rajmistri: also check PM Vishwakarma — mason is a notified trade (separate from BOCW; you may need both registrations).
Electrician / Plumber: BOCW applies only where your work falls in the State board's qualifying construction work. Note: electrician and plumber are NOT among the notified PM Vishwakarma trades per the recorded official source. Check e-Shram, NCS, skill routes, PMSBY/PMJJBY, and MUDRA/PMEGP for self-employment finance.
Pregnant or lactating woman worker: check PMMVY early — e-Shram card holders are a listed category; pregnancy registration and health-check conditions apply. An Anganwadi worker or ASHA can help with the official process.
Worker or parent aged 70+: check the AB PM-JAY senior-citizen route — age 70+ in Aadhaar is the core condition per the NHA FAQ, with Aadhaar e-KYC.
Find your State BOCW board
Registration & Identity
State/UT BOCW Welfare Board registration राज्य/केंद्रशासित प्रदेश निर्माण श्रमिक कल्याण बोर्ड
What you getThis is the main entry point for construction-worker welfare. Boards commonly administer accident/death, disability, medical, maternity, education, pension, tool and housing assistance, but the exact benefits and amounts differ by State/UT.
Who can applyThe State/UT board decides. Many boards use age and recent construction-work proof rules; 90 days in the prior 12 months is common in several States but is not a national guarantee.
DocumentsAadhaar/ID, bank details, address proof, photographs, work-days certificate or other local proof, and active mobile number; check the local board before applying.
How to applyFind the State/UT BOCW Board route in state_bocw_routes. Register or renew first, then apply separately for each benefit.
e-Shram registration does not automatically make someone a BOCW welfare-board beneficiary. Keep membership active and preserve the work certificate.
e-Shram (National Database of Unorganised Workers) ई-श्रम
What you getCreates an e-Shram record/UAN to help delivery and portability of social-security and welfare services. It is not itself a guaranteed cash benefit.
Who can applyUnorganised worker aged 16-59; not a member of EPFO, ESIC or Government-funded NPS. The portal states Aadhaar, Aadhaar-linked mobile and a savings-bank account with IFSC are needed.
DocumentsAadhaar, Aadhaar-linked mobile, savings-bank account and IFSC.
How to applyRegister or update occupation at e-Shram; a CSC/State Seva Kendra can support biometric registration if the mobile is not Aadhaar-linked.
Treat e-Shram as a gateway/record. Check and apply for each linked scheme separately.
Pradhan Mantri Suraksha Bima Yojana (PMSBY) प्रधानमंत्री सुरक्षा बीमा योजना
What you getAccident cover of Rs.2 lakh for accidental death/full permanent disability and Rs.1 lakh for partial permanent disability; annual premium stated as Rs.20.
Who can applyIndian resident aged 18-70 with a Jan-Dhan or savings account with Aadhaar; consent to annual auto-debit.
DocumentsBank account details, Aadhaar and auto-debit consent.
How to applyAsk the bank or access Jan Suraksha enrolment; use only an authorised bank channel.
Insurance is not automatic with an e-Shram or BOCW card. Confirm enrolment and nomination with the bank.
Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना
What you getUp to Rs.5 lakh annual health cover per eligible family for secondary and tertiary hospitalisation under the programme.
Who can applyEligibility is determined through the official beneficiary system and State implementation. Check using the official NHA beneficiary portal or an authorised help desk.
DocumentsAadhaar and any documents requested by the official enrolment process.
How to applySearch eligibility and make/update the Ayushman card through the NHA beneficiary portal or authorised service point.
Use only official portals/hospitals. The final beneficiary decision is made by the implementing authority.
Employees' State Insurance (ESI) Scheme कर्मचारी राज्य बीमा योजना
What you getMedical care for insured persons and dependants plus cash benefits for specified sickness, maternity, employment injury and dependant contingencies.
Who can applyCoverage depends on the establishment and employment relationship. The cited ESIC FAQ states the general wage ceiling for coverage is Rs.21,000/month from 01-01-2017; different treatment can apply for employees with disability and other conditions.
DocumentsESIC insurance number, employer details, Aadhaar/identity documents and family details as required.
How to applyAsk the employer/contractor for the ESIC insurance number and confirm it using ESIC channels.
This is an employment-linked right. A contractor cannot simply tell a covered worker to arrange it personally.
What you getVoluntary contributory pension. Worker contribution ranges from Rs.55 to Rs.200 monthly by entry age, with equal Central Government matching contribution; Rs.3,000 monthly assured pension after age 60 if conditions are met.
Who can applyIndian unorganised worker aged 18-40, monthly income at or below Rs.15,000, not covered by EPFO/ESIC/NPS (Government-funded), and not an income-tax payer.
DocumentsAadhaar, savings or Jan-Dhan bank account/passbook, consent for auto-debit and self-certification.
How to applyEnrol through a Common Service Centre; use the official Maandhan route/CSC support.
This is a long-term contributory pension, not immediate cash assistance. Read exit/revival conditions before joining.
Pradhan Mantri Matru Vandana Yojana (PMMVY) प्रधानमंत्री मातृ वंदना योजना
What you getRs.5,000 for the first child in two instalments; Rs.6,000 in one instalment for the second child if the child is a girl, subject to conditions. JSY may also apply after institutional delivery.
Who can applyWomen in at least one listed eligible category, including SC/ST, disability, BPL ration card, PM-JAY beneficiary, e-Shram card, MGNREGA job card, NFSA ration card or net family income below Rs.8 lakh annually; detailed conditions apply.
DocumentsAadhaar, active mobile, Aadhaar-based bank account and pregnancy/health records requested by the official process.
How to applyApply directly at pmmvy.wcd.gov.in or seek help from the nearest Anganwadi worker/ASHA worker.
Register early; the cited FAQ notes a time limit to apply after childbirth. Confirm instalment conditions with the local Anganwadi/ASHA.
What you getHousing support through PMAY-U 2.0 verticals; the applicable assistance/loan support depends on the chosen vertical and local approval.
Who can applyUrban EWS/LIG/MIG family with no pucca house anywhere in India. EWS: annual household income up to Rs.3 lakh; LIG: above Rs.3 lakh to Rs.6 lakh; MIG: above Rs.6 lakh to Rs.9 lakh. Other conditions and past-assistance exclusions apply.
DocumentsAadhaar/Aadhaar Virtual ID for eligible family members plus local application documents.
How to applyApply through the PMAY-U 2.0/ULB channel and select the appropriate vertical; use only the official portal and local ULB help desk.
A construction-worker occupation may receive focus, but it does not override income, house-ownership and local validation rules.
Pradhan Mantri Awas Yojana - Gramin (PMAY-G) प्रधानमंत्री आवास योजना - ग्रामीण
What you getSupport for eligible rural households to obtain a pucca house; approval follows programme surveys and local verification.
Who can applyUse the official PMAY-G self-check. It asks about rural residence, housing condition, income, government employment, tax status, assets and landholding among other conditions.
DocumentsAadhaar and the local documents requested during survey/verification.
How to applyUse the PMAY-G/AwaasPlus official check and contact the local Gram Panchayat/block office for verified survey/application status.
The web self-check is preliminary; it does not itself sanction a house.
One Nation One Ration Card (ONORC) / NFSA portability एक राष्ट्र एक राशन कार्ड
What you getPortability of eligible NFSA food-grain entitlement through the public distribution system, subject to implementation and Aadhaar authentication rules.
Who can applyValid eligible ration card and applicable State/NFSA entitlement; local authentication and availability rules apply.
DocumentsRation card and Aadhaar/authentication information as required at the fair-price shop.
How to applyUse the ration card at a fair-price shop in the destination area; contact the State food/civil-supplies department for status.
Check the local PDS grievance route if portability/authentication fails; do not share OTPs with agents.
National Career Service (NCS) राष्ट्रीय करियर सेवा
What you getFree job search/application, job fairs, career guidance, assessment and links to career centres/CSCs. NCS also supports local-service listings.
Who can applyAnyone aged 14+ may register; no minimum educational qualification is stated for registration.
DocumentsMobile number, basic identity details and the identification document requested in registration.
How to applyRegister on NCS directly or through a career centre, CSC or post office; complete occupation and skill details.
NCS says its registration and employment-related services are free. Verify suspicious job offers through NCS helpline 1514.
Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) महात्मा गांधी राष्ट्रीय ग्रामीण रोजगार गारंटी अधिनियम
What you getLegal entitlement to demand unskilled manual work, subject to the programme's annual household limit and local process.
Who can applyIndian citizen, age 18+, resident in a rural area; the e-Shram directory states work can be demanded within 15 days, subject to the 100-days-per-household-per-year limit.
DocumentsIdentity, residence and household details requested locally.
How to applyApply for a job card through the Gram Panchayat/local implementation route and demand work in writing/through the official system.
Wage rates and work availability change by State and financial year. Confirm locally.
What you getCertificate/ID, skill training with stipend, toolkit incentive up to Rs.15,000, collateral-free enterprise-development loans up to Rs.3 lakh in two tranches, digital-transaction incentive and marketing support.
Who can applyMust be engaged in an eligible notified traditional trade at registration; follow the official scheme verification process.
DocumentsAadhaar, bank account/mobile details and documents/verification requested by the official enrolment flow.
How to applyUse the official PM Vishwakarma portal/CSC route and select the correct notified trade.
Mason eligibility is not the same as general construction-worker registration; a person may need to check both BOCW and PM Vishwakarma separately.
Prime Minister's Employment Generation Programme (PMEGP) प्रधानमंत्री रोजगार सृजन कार्यक्रम
What you getFinancial assistance/margin-money subsidy to set up eligible new enterprises, subject to project, bank and programme rules.
Who can applyIndian citizen aged 18+. The e-Shram directory states VIII pass is required for manufacturing projects above Rs.10 lakh and service/business projects above Rs.5 lakh; current project rules must be checked at the official portal.
DocumentsIdentity, education proof where applicable, business/project report, bank and category documents where applicable.
How to applyPrepare a business project and apply through the official PMEGP/KVIC bank-linked process.
This is enterprise finance, not a grant paid automatically. Bank appraisal and current guidelines decide the result.
Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY) दीन दयाल उपाध्याय ग्रामीण कौशल योजना
What you getSkill training intended to place rural youth in regular wage employment.
Who can applyThe e-Shram directory states Indian citizens aged 15-35 can participate, with upper age relaxation to 45 for women and vulnerable groups including persons with disabilities. Local programme verification still applies.
DocumentsIdentity, residence and programme-specific documents.
How to applyCheck DDU-GKY/State rural-livelihood implementation and current local training batches.
Confirm placement terms, accommodation, fees and any stipend only with the official training provider.
Pradhan Mantri Kaushal Vikas Yojana / Skill training route प्रधानमंत्री कौशल विकास योजना
What you getTraining, certification and skill-development support through available programmes/centres.
Who can applyThe e-Shram scheme summary lists Indian citizens in the indicated programme criteria; exact batches, age/education requirements and funding depend on the current course and implementation cycle.
DocumentsIdentity and education documents as required by the training provider.
How to applySearch through the official Skill India/PMKVY channel or a verified skill provider; check course, fee and stipend terms before enrolment.
This database intentionally does not promise free training in every trade; course availability changes.
Pradhan Mantri Jan-Dhan Yojana (PMJDY) प्रधानमंत्री जन धन योजना
What you getBasic savings account without a minimum-balance requirement, DBT access, RuPay card and possible overdraft for eligible account holders. It is also a route to insurance and pension products.
Who can applyA person without another bank account can open a basic savings bank deposit account at a bank branch or Bank Mitra outlet.
DocumentsIdentity/KYC documents as required by the bank.
How to applyVisit a bank branch or Bank Mitra and ask for a PMJDY/basic savings account.
Confirm RuPay card activation, nominee and exact insurance/overdraft eligibility with the bank.
Address or residence proof, passport photos where asked
Work-days certificate or employer/contractor/local-authority proof (for BOCW)
Ration card, e-Shram UAN, BOCW number, UAN/ESIC number if you already have them
Never give your OTP, bank PIN or an Aadhaar copy to an unverified agent. Government portals and NCS registration are FREE. Bank insurance is enrolled only through your own bank. If someone demands money to "get you a card", walk away.
Common questions
Does an e-Shram card automatically give BOCW board benefits?
No. e-Shram is a national record and gateway for unorganised workers — it does not by itself enrol you in your State BOCW board or in any insurance. For construction-worker benefits you usually need separate, active registration with your State/UT BOCW welfare board, kept renewed.
What is a BOCW / labour card and why does it matter?
Each State/UT runs a Building & Other Construction Workers (BOCW) welfare board funded by a cess on construction. Registered workers can get the board's benefits — support amounts and rules differ by State. It is usually the single most important welfare route for a construction worker.
Are electricians and plumbers covered by PM Vishwakarma?
No — electrician and plumber are not among the 18 notified PM Vishwakarma trades in the recorded official source. Mason (Rajmistri) IS a notified trade. Electricians and plumbers should look at BOCW (where their work qualifies), e-Shram, skill routes, PMSBY/PMJJBY and MUDRA/PMEGP instead.
Do I have to pay anyone to apply?
Government portals and National Career Service registration are free. Bank-linked covers (PMSBY, PMJJBY) are enrolled only through your own bank. Never give an OTP, bank PIN or Aadhaar copy to an unverified agent.
What is NirmanDost?
A free website for people who build — workers, mistris, contractors. Three things here that can help you directly:
This page is for awareness and first-pass screening only — it is not a benefits guarantee or legal advice. Amounts, rules and portals change: confirm on the official website (linked on every card) immediately before applying.
Every scheme is traced to an official Central-government source, recorded 25 July 2026. State BOCW benefits differ State to State; where a direct State link was not yet verified, we say so instead of guessing.
NirmanDost collects no personal data on this page. Data pack reviewed on a 90-day cycle.