← All India hubs Factory Worker
India Hindi (हिन्दी) ₹ INR
Pranav works hard on the shop floor of a manufacturing unit in an industrial estate, balancing his monthly wages with the needs of his family back in his home village. This hub tracks the central schemes, insurance nets, and portals that help him manage his savings, health, and legal rights as a blue-collar worker. State-specific benefits are covered in the regional sections.
National All India 24 Andaman and Nicobar Islands AN 8 Andhra Pradesh AP 4 Arunachal Pradesh AR 7 Assam AS 6 Bihar BR 7 Chhattisgarh CG 6 Chandigarh CH 5 Delhi DL 7 Dadra and Nagar Haveli and Daman and Diu DN 7 Goa GA 8 Gujarat GJ 6 Himachal Pradesh HP 7 Haryana HR 7 Jharkhand JH 5 Jammu and Kashmir JK 4 Karnataka KA 7 Kerala KL 7 Ladakh LA 5 Lakshadweep LD 7 Maharashtra MH 6 Meghalaya ML 6 Manipur MN 7 Madhya Pradesh MP 7 Mizoram MZ 5 Nagaland NL 4 Odisha OD 7 Punjab PB 5 Puducherry PY 7 Rajasthan RJ 5 Sikkim SK 6 Tamil Nadu TN 7 Tripura TR 8 Telangana TS 8 Uttarakhand UK 5 Uttar Pradesh UP 7 West Bengal WB 7 Ensuring my hard-earned money is protected and my retirement fund is growing correctly.
Employees' Provident Fund Organisation कर्मचारी भविष्य निधि संगठन national · Ministry of Labour and Employment
Who qualifies Formal sector employees with a UAN number.
What you get 12% of basic salary saved monthly + employer match + interest.
Common gotcha Employers often delay depositing the money; check your passbook monthly.
Employees' State Insurance Corporation कर्मचारी राज्य बीमा निगम national · Ministry of Labour and Employment
Who qualifies Employees in factories/establishments with 10+ workers earning under ₹21,000.
What you get Full medical care for self and family, plus sickness cash benefits.
Common gotcha You must visit an ESI dispensary first before getting a referral to a hospital.
e-Shram Portal ई-श्रम national · Ministry of Labour and Employment
Who qualifies Unorganized workers aged 16-59.
What you get Accidental insurance cover of ₹2 Lakh and access to social security schemes.
Common gotcha Many workers confuse this with a direct cash-transfer scheme; it is a database for benefits.
Pradhan Mantri Shram Yogi Maandhan प्रधानमंत्री श्रम योगी मानधन national · Ministry of Labour and Employment
Who qualifies Unorganized workers aged 18-40 earning under ₹15,000.
What you get Monthly pension of ₹3,000 after age 60.
Common gotcha If you stop paying, your accumulated amount is returned, but you lose the pension benefit.
National Pension System (NPS) Lite राष्ट्रीय पेंशन प्रणाली national · PFRDA
Who qualifies Low-income workers seeking long-term retirement savings.
What you get Market-linked pension corpus with tax benefits.
Common gotcha This is a market-linked product, unlike EPF, so returns are not guaranteed.
UMANG App उमंग national · MeitY
Who qualifies All Indian citizens.
What you get Single window for all government services like PF, PAN, and bills.
Common gotcha Requires a stable internet connection and linked mobile number. Medical bills can wipe out my savings; I need affordable care.
Ayushman Bharat - PMJAY आयुष्मान भारत - प्रधानमंत्री जन आरोग्य योजना national · National Health Authority
Who qualifies Low-income families identified in SECC 2011 data.
What you get ₹5 Lakh annual health cover per family for secondary/tertiary care.
Common gotcha Check if your local private hospital is empanelled before going.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana प्रधानमंत्री भारतीय जन औषधि परियोजना national · Department of Pharmaceuticals
Who qualifies Anyone needing affordable medicine.
What you get Generic medicines at 50-90% lower prices than branded ones.
Common gotcha Not all branded medicines have a generic equivalent in stock.
Pradhan Mantri Suraksha Bima Yojana प्रधानमंत्री सुरक्षा बीमा योजना national · Department of Financial Services
Who qualifies Bank account holders aged 18-70.
What you get ₹2 Lakh for accidental death/disability.
Common gotcha You must renew or ensure auto-debit is active every June.
Pradhan Mantri Jeevan Jyoti Bima Yojana प्रधानमंत्री जीवन ज्योति बीमा योजना national · Department of Financial Services
Who qualifies Bank account holders aged 18-50.
What you get ₹2 Lakh life insurance cover.
Common gotcha Only covers death; does not provide maturity benefits.
ABHA (Ayushman Bharat Health Account) आभा national · National Health Authority
Who qualifies All citizens.
What you get Digital storage of all medical records and prescriptions.
Common gotcha Requires linking with Aadhaar; ensure your mobile number is updated.
Rashtriya Swasthya Bima Yojana राष्ट्रीय स्वास्थ्य बीमा योजना national · Ministry of Labour and Employment
Who qualifies BPL families.
What you get Smart card-based cashless health insurance.
Common gotcha Most beneficiaries are now being migrated to the PMJAY platform. Keeping the kitchen running without spending too much on staples.
One Nation One Ration Card वन नेशन वन राशन कार्ड national · Department of Food and Public Distribution
Who qualifies NFSA card holders.
What you get Ability to pick up subsidized grains anywhere in India.
Common gotcha Your Aadhaar must be seeded with your ration card.
Pradhan Mantri Ujjwala Yojana प्रधानमंत्री उज्ज्वला योजना national · Ministry of Petroleum and Natural Gas
Who qualifies Women from BPL families.
What you get Free LPG connection and deposit-free cylinder.
Common gotcha Many find the market price of refills too high after the initial subsidy.
Pradhan Mantri Awas Yojana (Urban) प्रधानमंत्री आवास योजना (शहरी) national · Ministry of Housing and Urban Affairs
Who qualifies EWS/LIG families living in urban areas.
What you get Financial assistance for house construction or interest subsidy on home loans.
Common gotcha The verification process for land titles can take months.
Swachh Bharat Mission (Urban) स्वच्छ भारत मिशन national · Ministry of Housing and Urban Affairs
Who qualifies Households without toilets.
What you get Financial incentive to construct a household toilet.
Common gotcha Funds are released in installments after verification of construction stages.
PM SVANidhi पीएम स्वनिधि national · Ministry of Housing and Urban Affairs
Who qualifies Street vendors.
What you get Collateral-free working capital loan up to ₹50,000.
Common gotcha Only for vendors with a Certificate of Vending or Letter of Recommendation.
DigiLocker डिजीलॉकर national · MeitY
Who qualifies All citizens with Aadhaar.
What you get Digital repository for driving license, PAN, and marksheets.
Common gotcha Ensure your name in documents matches your Aadhaar exactly. Knowing my legal protections when things go wrong at the factory.
Labour Court / Conciliation श्रम न्यायालय national · Ministry of Labour and Employment
Who qualifies Any worker with a grievance against an employer.
What you get Legal mediation for wage disputes or unfair termination.
Common gotcha Keep all your appointment letters and pay slips as evidence.
NALSA Legal Services राष्ट्रीय विधिक सेवा प्राधिकरण national · NALSA
Who qualifies Workers earning below a certain threshold.
What you get Free legal advice and representation in court.
Common gotcha You must apply through the District Legal Services Authority (DLSA).
Minimum Wages Act न्यूनतम मजदूरी अधिनियम national · Ministry of Labour and Employment
Who qualifies All industrial workers.
What you get Legal right to the notified minimum wage for your skill level.
Common gotcha Many factories pay 'consolidated' wages; check if it meets the state-notified minimum.
Payment of Gratuity Act ग्रेच्युटी भुगतान अधिनियम national · Ministry of Labour and Employment
Who qualifies Employees who have completed 5 years of continuous service.
What you get Lump sum payment upon retirement or resignation.
Common gotcha Ensure your nomination form is filled out correctly.
Industrial Disputes Act औद्योगिक विवाद अधिनियम national · Ministry of Labour and Employment
Who qualifies Workmen in industrial establishments.
What you get Protection against arbitrary retrenchment and layoff compensation.
Common gotcha Strict timelines apply for filing complaints; don't wait too long.
POSH Act (Prevention of Sexual Harassment) कार्यस्थल पर यौन उत्पीड़न रोकथाम national · Ministry of Women and Child Development
Who qualifies All female employees.
What you get Mandatory internal complaints committee in every factory.
Common gotcha Many factories fail to display the committee members' names clearly.
One honest app. Real lives, real businesses. Free for what people need, paid only for what runs a business — on our own model, our own metal.
Where we run
Bangalore + Czechia
Our own metal · GDPR · DPDPA
