← All India hubs Construction Worker
India Hindi (हिन्दी) ₹ INR
Reyansh is a hardworking construction laborer navigating the complexities of urban infrastructure projects while supporting a family back in his village. This hub tracks the central government safety nets, identity documents, and welfare schemes he relies on to keep his household afloat. State-specific benefits are covered in the separate state-level section.
National All India 24 Andaman and Nicobar Islands AN 6 Andhra Pradesh AP 4 Arunachal Pradesh AR 6 Assam AS 7 Bihar BR 7 Chhattisgarh CG 7 Chandigarh CH 6 Delhi DL 7 Dadra and Nagar Haveli and Daman and Diu DN 6 Goa GA 6 Gujarat GJ 7 Himachal Pradesh HP 7 Haryana HR 6 Jharkhand JH 6 Jammu and Kashmir JK 6 Karnataka KA 7 Kerala KL 6 Ladakh LA 5 Lakshadweep LD 6 Maharashtra MH 7 Meghalaya ML 4 Manipur MN 6 Madhya Pradesh MP 6 Mizoram MZ 6 Nagaland NL 6 Odisha OD 6 Punjab PB 6 Puducherry PY 6 Rajasthan RJ 6 Sikkim SK 7 Tamil Nadu TN 7 Tripura TR 6 Telangana TS 7 Uttarakhand UK 6 Uttar Pradesh UP 6 West Bengal WB 5 Without these documents, I cannot access any bank account, ration, or government benefit.
Aadhaar Card आधार कार्ड national · UIDAI
Who qualifies Every resident of India.
What you get Unique 12-digit identity number for all government services.
What it actually costs you Free for first-time enrollment; nominal fees for updates.
Common gotcha Name and address must match exactly on all other documents to avoid rejection.
Permanent Account Number पैन कार्ड national · Income Tax Department
Who qualifies Any citizen earning income.
What you get Tax identity card required for opening bank accounts.
What it actually costs you Around ₹100-200 via e-KYC.
Common gotcha Often confused with Aadhaar; you need both for banking.
e-Shram Portal ई-श्रम पोर्टल national · Ministry of Labour and Employment
Who qualifies Unorganized workers aged 16-59.
What you get National database ID for social security schemes.
What it actually costs you Free; requires Aadhaar-linked mobile number.
Common gotcha Many think this is a direct cash transfer scheme; it is a registration portal.
Voter ID (EPIC) वोटर आईडी national · Election Commission of India
Who qualifies Citizens aged 18+.
What you get Right to vote and a valid address/identity proof.
What it actually costs you Free; requires proof of residence.
Common gotcha Name must be on the electoral roll of your current constituency.
DigiLocker डिजीलॉकर national · MeitY
Who qualifies Any Aadhaar holder.
What you get Digital storage for verified copies of marksheet, license, and ID.
What it actually costs you Free.
Common gotcha Requires active mobile number linked to Aadhaar.
Pradhan Mantri Jan Dhan Yojana प्रधानमंत्री जन धन योजना national · Department of Financial Services
Who qualifies Unbanked citizens.
What you get Zero-balance bank account with RuPay debit card.
What it actually costs you Zero; requires basic KYC.
Common gotcha Must maintain activity to keep the account from becoming dormant. Keeping my family fed and ensuring we have a place to stay is my biggest monthly expense.
Public Distribution System (NFSA) राशन कार्ड national · Department of Food and Public Distribution
Who qualifies Low-income families identified by state surveys.
What you get Subsidized wheat, rice, and sugar.
What it actually costs you Nominal price per kg; requires ration card.
Common gotcha One Nation One Ration Card allows you to pick up food in any state.
PMAY-Urban प्रधानमंत्री आवास योजना national · Ministry of Housing and Urban Affairs
Who qualifies Economically Weaker Sections (EWS) in urban areas.
What you get Financial assistance for house construction or interest subsidy on loans.
What it actually costs you Requires land ownership documents and income proof.
Common gotcha The subsidy is often provided as an interest subvention on home loans.
Pradhan Mantri Ujjwala Yojana प्रधानमंत्री उज्ज्वला योजना national · Ministry of Petroleum and Natural Gas
Who qualifies Women from BPL households.
What you get Free LPG connection and stove.
What it actually costs you Free; you only pay for the gas refill.
Common gotcha Only one connection per household is allowed.
PM SVANidhi पीएम स्वनिधि national · Ministry of Housing and Urban Affairs
Who qualifies Street vendors and small service providers.
What you get Collateral-free working capital loan up to ₹50,000.
What it actually costs you Low interest rates; requires vendor certificate.
Common gotcha Repayment must be timely to qualify for higher loan amounts.
Swachh Bharat Mission (Individual Household Latrine) स्वच्छ भारत मिशन national · Ministry of Jal Shakti
Who qualifies Households without toilets.
What you get Financial incentive of ₹12,000 for toilet construction.
What it actually costs you Requires construction proof.
Common gotcha Funds are released after verification of the built structure.
PM-KISAN (if owning land) पीएम किसान सम्मान निधि national · Ministry of Agriculture
Who qualifies Small and marginal farmer families.
What you get ₹6,000 per year in three installments.
What it actually costs you Land records verification.
Common gotcha E-KYC must be updated annually to receive payments. A single major illness can wipe out my entire year's savings.
Ayushman Bharat PM-JAY आयुष्मान भारत national · National Health Authority
Who qualifies Low-income families identified by SECC data.
What you get ₹5 lakh annual health cover per family for secondary/tertiary care.
What it actually costs you Zero; requires Ayushman card.
Common gotcha Only works in empanelled hospitals; check the list first.
Employees' State Insurance (ESI) ईएसआईसी national · ESIC Corporation
Who qualifies Workers in registered factories/establishments.
What you get Full medical care for self and family, plus sickness benefits.
What it actually costs you Small deduction from monthly salary.
Common gotcha Employer must be registered and contributing regularly.
Pradhan Mantri Suraksha Bima Yojana प्रधानमंत्री सुरक्षा बीमा योजना national · Department of Financial Services
Who qualifies Citizens aged 18-70 with a bank account.
What you get Accidental death/disability cover of ₹2 lakh.
What it actually costs you ₹20 per year (auto-debited).
Common gotcha Must renew or ensure bank balance is sufficient for auto-debit.
Pradhan Mantri Jeevan Jyoti Bima Yojana प्रधानमंत्री जीवन ज्योति बीमा योजना national · Department of Financial Services
Who qualifies Citizens aged 18-50 with a bank account.
What you get Life insurance cover of ₹2 lakh.
What it actually costs you ₹436 per year (auto-debited).
Common gotcha This is a term insurance; no maturity benefit.
Pradhan Mantri Bhartiya Janaushadhi Pariyojana जन औषधि केंद्र national · Department of Pharmaceuticals
Who qualifies Everyone.
What you get Generic medicines at 50-90% lower prices than branded ones.
What it actually costs you Just the cost of the medicine.
Common gotcha Doctors often write branded names; you must ask for generic equivalents.
Atal Pension Yojana अटल पेंशन योजना national · PFRDA
Who qualifies Citizens aged 18-40 in unorganized sector.
What you get Guaranteed pension of ₹1,000 to ₹5,000 after age 60.
What it actually costs you Monthly contribution based on age.
Common gotcha If you exit early, you only get your contribution back. I need to ensure my daily wages are protected and I have a chance to learn better skills.
Mahatma Gandhi National Rural Employment Guarantee Act मनरेगा national · Ministry of Rural Development
Who qualifies Rural households willing to do manual work.
What you get 100 days of guaranteed wage employment per year.
What it actually costs you Job card registration at Gram Panchayat.
Common gotcha Wages are paid directly to your bank account, not in cash.
Pradhan Mantri Kaushal Vikas Yojana प्रधानमंत्री कौशल विकास योजना national · Ministry of Skill Development and Entrepreneurship
Who qualifies Youth and workers seeking skill certification.
What you get Short-term skill training and certification.
What it actually costs you Free training.
Common gotcha Placement is not guaranteed; it is a training program.
Building and Other Construction Workers (BOCW) Cess निर्माण श्रमिक कल्याण बोर्ड national · Ministry of Labour and Employment
Who qualifies Construction workers aged 18-60.
What you get Financial aid for children's education, marriage, and medical needs.
What it actually costs you Registration fee (nominal).
Common gotcha Registration is state-specific; you must register where you work.
PM Vishwakarma पीएम विश्वकर्मा national · Ministry of MSME
Who qualifies Traditional artisans and craftspeople.
What you get Skill training, tool kit incentive of ₹15,000, and credit support.
What it actually costs you Registration via CSC.
Common gotcha Verification is strict regarding the traditional nature of the craft.
National Career Service नेशनल करियर सर्विस national · Ministry of Labour and Employment
Who qualifies Job seekers.
What you get Access to job listings and career counseling.
What it actually costs you Free.
Common gotcha Most jobs listed are for formal sectors; check for blue-collar filters.
Employees' Provident Fund (EPF) ईपीएफओ national · EPFO
Who qualifies Employees in organized establishments.
What you get Retirement savings fund.
What it actually costs you Monthly deduction from salary.
Common gotcha UAN (Universal Account Number) is mandatory for tracking.
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