India has several social security schemes aimed at providing financial assistance and protection to various segments of society. Here’s an overview of some key schemes:
Pradhan Mantri Shram Yogi Maan-Dhan Yojana (PM-SYM)
Purpose: Old age protection for unorganized workers.
Eligibility:
- Indian citizens aged 18-40 years.
- Monthly income below Rs. 15,000.
- Not a member of EPFO/ESIC/NPS.
Benefits:
- Monthly assured pension of Rs. 3000 after age 60.
- 50% of the contribution is made by the government.
National Pension Scheme for Traders and Self-employed Persons (NPS)
Purpose: Pension for traders and self-employed individuals.
Eligibility:
- Indian citizens aged 18-40 years.
- Annual turnover less than Rs. 1.5 crore.
- Not covered by EPFO/ESIC/PM-SYM.
Benefits:
- Monthly assured pension of Rs. 3000 after age 60.
- 50% of the contribution is made by the government.
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
Purpose: Life insurance scheme.
Eligibility:
- Indian citizens aged 18-50 years.
- Having a Jandhan or saving bank account with Aadhaar.
Benefits:
- Rs. 2 lakh on death due to any cause.
- Annual premium of Rs. 436.
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Purpose: Accidental insurance scheme.
Eligibility:
- Indian citizens aged 18-70 years.
- Having a Jandhan or saving bank account with Aadhaar.
Benefits:
- Rs. 2 lakh for accidental death/full disability.
- Rs. 1 lakh for partial disability.
- Annual premium of Rs. 20.
Atal Pension Yojana (APY)
Purpose: Pension scheme for all citizens.
Eligibility:
- Indian citizens aged 18-40 years.
- Having a bank account linked with Aadhaar.
Benefits:
- Monthly pension ranging from Rs. 1000 to Rs. 5000.
- Accumulated sum payable to spouse or nominee after death.
Public Distribution System (PDS)
Purpose: Providing food grains at subsidized rates.
Eligibility:
- Families below the poverty line.
- Families with no member aged 15-59 years.
- Families with a disabled member or those engaged in casual labor.
Benefits:
- 35 kg of rice or wheat per month for BPL families.
- 15 kg of food grain per month for APL families.
Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)
Purpose: Providing housing for rural poor.
Eligibility:
- Families without a member aged 15-59 years.
- Families with a disabled member or those engaged in casual labor.
Benefits:
- Assistance of Rs. 1.2 lakhs in plain areas and Rs. 1.3 lakhs in hilly areas.
National Social Assistance Programme (NSAP)
Purpose: Old age protection.
Eligibility:
- Individuals with little or no regular means of subsistence.
Benefits:
- Monthly pension ranging from Rs. 1000 to Rs. 3000 depending on state contribution.
Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)
Purpose: Health coverage for the poor.
Eligibility:
- Scheduled caste/tribe households, beggars, and those without male members aged 16-59 years.
Benefits:
- Health coverage of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization.
Health Insurance Scheme for Weavers (HIS)
Purpose: Health insurance for weavers.
Eligibility:
- Weavers earning at least 50% of their income from handloom weaving.
Benefits:
- Health coverage package of Rs. 15,000 including various medical treatments and hospitalization.
Pradhan Mantri Kisan Mandhan Yojana
Purpose: Pension for small and marginal farmers.
Eligibility:
- Farmers aged 18-40 years with up to 2 hectares of cultivable land.
Benefits:
- Monthly assured pension of Rs. 3000.
- Matching contribution by the government.
National Safai Karamcharis Finance and Development Corporation (NSKFDC)
Purpose: Financial assistance for sanitation workers.
Eligibility:
- Safai karamcharis and manual scavengers.
Benefits:
- Financial assistance for income-generating schemes and education.
Self Employment Scheme for Rehabilitation of Manual Scavengers
Purpose: Rehabilitation of manual scavengers.
Eligibility:
- Identified manual scavengers and their dependents.
Benefits:
- One-time cash assistance of Rs. 40,000.
- Free skill training with a monthly stipend of Rs. 3000.