Making entitlements work | ಅರ್ಹತೆಗಳನ್ನು ಕೆಲಸ ಮಾಡುವುದು

• Table of contents | ಪರಿವಿಡಿ
• What is the issue? | ಏನು ಸಮಸ್ಯೆ
• Extent of domestic migration
• Migrant workers continue to suffer despite the existence of many welfare schemes
• About this platform | ಈ ವೇದಿಕೆಯ ಬಗ್ಗೆ
• Purpose | ಉದ್ದೇಶ
• Collaborators | ಸಹಯೋಗಿಗಳು
• Informal sector occupations covered | ಅನೌಪಚಾರಿಕ ವಲಯದ ಉದ್ಯೋಗಗಳನ್ನು ಒಳಗೊಂಡಿದೆ
• Entitlements of construction workers | ನಿರ್ಮಾಣ ಕಾರ್ಮಿಕರ ಹಕ್ಕುಗಳು
• Summary of key issues
• Legal provision of social security
• What are workers entitled to?
• Step 1: Getting the labour card | ಕಾರ್ಮಿಕ ಕಾರ್ಡ್ ಪಡೆಯುವುದು
• Step 2.1: Medical assistance | ಕಾರ್ಮಿಕ ಆರೋಗ್ಯ ಭಾಗ್ಯ
• Step 2.2: Thayi Magu Sahaya Hastha | ತಾಯಿ ಮಗು ಸಹಾಯ ಹಸ್ತ
• Step 2.3: Assistance for major ailments | ಪ್ರಮುಖ ಕಾಯಿಲೆಗಳಿಗೆ ಸಹಾಯ
• Step 2.4: Maternity Benefits | ಹೆರಿಗೆ ಪ್ರಯೋಜನಗಳು
• Step 2.5: Marriage Assistance | ಮದುವೆ ನೆರವು
• Step 2.6: Pension Scheme | ಪಿಂಚಣಿ ಯೋಜನೆ
• Step 2.7: Disability Pension | ಅಂಗವೈಕಲ್ಯ ಪಿಂಚಣಿ
• Step 2.8: Education Assistance | ಶಿಕ್ಷಣ ನೆರವು
• Step 2.9: Accident Benefits | ಅಪಘಾತ ಪ್ರಯೋಜನಗಳು
• Step 2.10: Assistance to meet funeral expenses and ex-gratia | ಅಂತ್ಯಕ್ರಿಯೆಯ ವೆಚ್ಚಗಳನ್ನು ಪೂರೈಸಲು ಸಹಾಯ ಮತ್ತು ಎಕ್ಸ್-ಗ್ರೇಷಿಯಾ
• Step 2.11: Shrama Samarthya Toolkit | ಶ್ರಮ ಸಾಮರ್ಥ್ಯ ಟೂಲ್ಕಿಟ್
• Step 2.12: Assistance for free BMTC bus pass | ಉಚಿತ ಬಸ್ ಪಾಸ್ ಗೆ ನೆರವು
• Domestic workers
• Summary of key issues in accessing schemes
• Lega provision of social security
• Budgetary support
• State and/or central government share in funding
• Applicable entitlements
• Ambedkar Labor Help Hand Scheme
• Various schemes on CSOs collaborating with Domestic workers
• Scheme 1.1- Pension (Old age)
• Scheme 1.2- Pension (Widow pension)
• Scheme 1.3- Pension (Disability pension)
• Scheme 2: Thayi Bhagya Scheme
• Scheme 3: Bhagyalaxmi Scheme
• Scheme 4: Sandhya Suraksha Yojana
• Scheme 5: Pradhan Mantri Garib Kalyan Anna Yojana
• Scheme 6: Ayushman Bharath-Arogya Karnataka/ Pradhana Manthri Jan Arogya Yojana
• Waste pickers
• Key Challenges in Accessing Schemes by Waste pickers
• Garment sector workers
• Key Challenges in Accessing Schemes by Garment Sector Workers
• CSO's role in facilitating access to schemes
• Street vendors
• Key Challenges in Accessing Schemes by Street Vendors
• Auto industry workers
• Key Challenges in Accessing Schemes by Auto sector workers
• Schemes by life stages
• Life-stage based entitlements
• Basic Card
• Food and nutrition
• Health
• Education
• Housing
• Disability
• Death
• Pension
• Insurance
• Marriage
• Livelihood & Self employment
• Maternal & child health
• Others

Table of contents | ಪರಿವಿಡಿ

What is the issue

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About this platform

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Construction workers

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Domestic workers

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Waste pickers

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Garment Sector workers

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Street Vendors

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Auto industry workers

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Schemes by life stages

What is the issue? | ಏನು ಸಮಸ್ಯೆ

Extent of domestic migration

ದೇಶೀಯ ವಲಸೆಯ ವಿಸ್ತಾರ | Dēśīya valaseya vistāra

Shortly prior to the onset of Covid, there were an estimated 11.1 crore migrant workers in urban India (as of 2017-18). These workers are a mix of short-term seasonal (4.4 crores) and long-term/ semi-permanent (6.7 crores) workers who are also occupationally vulnerable. A little less than half of these 11.1 crore workers i.e., 5.2 crores were interstate migrant workers in 2018.

States that primarily contribute to short-duration out-migration for employment are Bihar (32%), Uttar Pradesh (19%) and West Bengal (10%), Madhya Pradesh (8%), Jharkhand (7%) and Rajasthan (6%). These states also had the highest shares in interstate outmigrants reflecting their low levels of income. Uttar Pradesh and Bihar also have more than 50% share in long-term out-migration.

Migrant workers continue to suffer despite the existence of many welfare schemes

ಅನೇಕ ಕಲ್ಯಾಣ ಯೋಜನೆಗಳ ಅಸ್ತಿತ್ವದಲ್ಲಿದ್ದರೂ ವಲಸೆ ಕಾರ್ಮಿಕರು ತೊಂದರೆ ಅನುಭವಿಸುತ್ತಿದ್ದಾರೆ | Anēka kalyāṇa yōjanegaḷa astitvadalliddarū valase kārmikaru tondare anubhavisuttiddāre

Governments at the Central and State level have introduced several welfare schemes backed by law that entitle the poor and the marginalized access to various forms of social security. However, as was recently evidenced by the suffering that various poor/migrant urban dwellers had to endure during Covid19, migrants find themselves excluded from these schemes and entitlements. Possible reasons include poor policy design without keeping in mind the realities of lives of migrants in the urban workforce and poor on-ground implementation.

Migrant workers are primarily engaged in the informal sector, in occupations such as construction work, domestic work, driving, other daily wage work such as that of head-loaders, garment factory/ other factory work, street vending, waste picking, manual scavenging etc.

Many people migrate from rural areas to seek work and escape poverty, but often lose their entitlements in their home state. Despite numerous government schemes for the marginalized and the poor, effective implementation is lacking, irrespective of the ruling party. 

Faulty design, funding issues, and strict eligibility criteria hinder the intended improvements in people's lives.

Migrants bear the brunt of these challenges. However, life in the cities proves to be difficult for these workers as they often accept inadequate wages, face exclusion from government schemes due to lack of required documentation and become vulnerable to various forms of exploitation. While some CSOs work to improve access to social security schemes, their efforts are limited to specific worker groups. 

Most migrants belong to the Scheduled Castes (SC), Scheduled Tribes (ST), Other Backward Classes (OBC) and minority communities. Often, they face difficulties because they are not familiar with the local language.

About this platform | ಈ ವೇದಿಕೆಯ ಬಗ್ಗೆ

Purpose | ಉದ್ದೇಶ

The purpose of this platform is to document and analyze the various reasons why schemes and entitlements fail to provide the necessary social security to migrant workers.

In other words, why there is a difference between what the migrant workers are entitled to on paper and what they end up receiving. ಬೇರೆ ರೀತಿಯಲ್ಲಿ ಹೇಳುವುದಾದರೆ, ವಲಸೆ ಕಾರ್ಮಿಕರಿಗೆ ಕಾಗದದ ಮೇಲೆ ಅರ್ಹತೆ ಮತ್ತು ಅವರು ಸ್ವೀಕರಿಸುವ ಅಂತ್ಯದ ನಡುವೆ ಏಕೆ ವ್ಯತ್ಯಾಸವಿದೆ?

This project views this problem of social security entitlements not achieving their desired end-goals using the lens of a migrant working in the informal sector.  ಅನೌಪಚಾರಿಕ ವಲಯದಲ್ಲಿ ಕೆಲಸ ಮಾಡುವ ವಲಸಿಗರ ಮಸೂರವನ್ನು ಬಳಸಿಕೊಂಡು ಸಾಮಾಜಿಕ ಭದ್ರತೆಯ ಅರ್ಹತೆಗಳು ತಮ್ಮ ಅಪೇಕ್ಷಿತ ಅಂತಿಮ ಗುರಿಗಳನ್ನು ಸಾಧಿಸದಿರುವ ಈ ಸಮಸ್ಯೆಯನ್ನು ಈ ಯೋಜನೆಯು ವೀಕ್ಷಿಸುತ್ತದೆ.

This platform is made with the following objectives in mind

• Serve as a comprehensive repository of information and resources related to social security schemes and migrant informal sector workers.
• Accessible to various stakeholders, including researchers, policymakers, and the public.
• Empower field staff at Civil Society Organizations (CSOs), equipping them with valuable insights into the challenges faced by specific segments of migrant workers.
  • CSOs can use this as a first point of reference for what workers need, what is required for them to avail various schemes, why is it that workers don't get what is due to them and what do field workers across different organisations do to make things happen.  
• Enable sharing best practices among partner organizations involved in different sectors, fostering collaboration and knowledge exchange to enhance collective efforts in supporting migrant workers' access to social security schemes across the country such as construction, domestic work, waste picking, and more. 
• Accessible to various stakeholders, including researchers, policymakers, and the public.

Collaborators | ಸಹಯೋಗಿಗಳು

Centre for Advocacy and Research (CFAR)		Construction and domestic workers | ನಿರ್ಮಾಣ ಮತ್ತು ಮನೆ ಕೆಲಸಗಾರರು
Munnade		Garment industry workers | ಗಾರ್ಮೆಂಟ್ ಉದ್ಯಮದ ಕಾರ್ಮಿಕರು
CIVIDEP India		Garment industry workers | ಗಾರ್ಮೆಂಟ್ ಉದ್ಯಮದ ಕಾರ್ಮಿಕರು
FEDINA		Several occupations in informal sector work | ಅನೌಪಚಾರಿಕ ವಲಯದ ಕೆಲಸದಲ್ಲಿ ಹಲವಾರು ಉದ್ಯೋಗಗಳು
Hasiru Dala		Waste pickers | ತ್ಯಾಜ್ಯ ಆರಿಸುವವರು
Jan Sahas		Construction and domestic workers | ನಿರ್ಮಾಣ ಮತ್ತು ಮನೆ ಕೆಲಸಗಾರರು
Mitr-Sanketa		Domestic workers | ಮನೆ ಕೆಲಸಗಾರರು
Sampark		Construction workers | ನಿರ್ಮಾಣ ಕಾರ್ಮಿಕರು
Centre for Development (CfD)		Street vendors | ಬೀದಿ ವ್ಯಾಪಾರಿಗಳು
National Association of Street Vendors of India (NASVI)		Street vendors | ಬೀದಿ ವ್ಯಾಪಾರಿಗಳು
Sangama		Migrants and sexual minorities | ವಲಸಿಗರು ಮತ್ತು ಲೈಂಗಿಕ ಅಲ್ಪಸಂಖ್ಯಾತರು

Informal sector occupations covered | ಅನೌಪಚಾರಿಕ ವಲಯದ ಉದ್ಯೋಗಗಳನ್ನು ಒಳಗೊಂಡಿದೆ

The main informal sector occupations considered for this project are as follows. 

Construction workers | ನಿರ್ಮಾಣ ಕಾರ್ಮಿಕರು : welfare schemes for construction workers are covered by state specific welfare boards.   Other informal sector workers such as domestic workers (ಮನೆ ಕೆಲಸಗಾರರು), street vendors (ಬೀದಿ ವ್ಯಾಪಾರಿಗಳು) and waste pickers (ತ್ಯಾಜ್ಯ ಆರಿಸುವವರು) usually do not have any occupation specific welfare schemes and are covered under the schemes applicable to the general population based on income and/or caste criteria.   Garment sector workers (ಗಾರ್ಮೆಂಟ್ ವಲಯದ ಕಾರ್ಮಿಕರು): lots of regulations in place yet highly prone to worker rights' violations and poor working conditions.    Auto sector workers (ಆಟೋ ವಲಯದ ಕಾರ್ಮಿಕರು): lots of regulations in place but prone to occupational injuries.

The choice of these occupations is a reflection of overall employment in these occupations and the communities our CSO partners work with.

Entitlements of construction workers | ನಿರ್ಮಾಣ ಕಾರ್ಮಿಕರ ಹಕ್ಕುಗಳು

This chapter delves into the details of the 12 welfare schemes under the Karnataka Building and Other Construction Workers Welfare Board (Karnataka BoCW), introduced to support the well-being of construction workers in the state. These schemes operate within the framework of the Building and Other Construction Workers (Regulation of Employment and Conditions of Service) Act, 1996 (BoCW Act). ಈ ಅಧ್ಯಾಯವು ಕರ್ನಾಟಕ ಕಟ್ಟಡ ಮತ್ತು ಇತರೆ ನಿರ್ಮಾಣ ಕಾರ್ಮಿಕರ ಕಲ್ಯಾಣ ಮಂಡಳಿ (ಕರ್ನಾಟಕ BoCW) ಅಡಿಯಲ್ಲಿ ರಾಜ್ಯದಲ್ಲಿನ ಕಟ್ಟಡ ಕಾರ್ಮಿಕರ ಯೋಗಕ್ಷೇಮವನ್ನು ಬೆಂಬಲಿಸಲು ಪರಿಚಯಿಸಲಾದ 12 ಕಲ್ಯಾಣ ಯೋಜನೆಗಳ ವಿವರಗಳನ್ನು ಪರಿಶೀಲಿಸುತ್ತದೆ. ಈ ಯೋಜನೆಗಳು ಕಟ್ಟಡ ಮತ್ತು ಇತರ ನಿರ್ಮಾಣ ಕಾರ್ಮಿಕರ (ಉದ್ಯೋಗ ಮತ್ತು ಸೇವಾ ಷರತ್ತುಗಳ ನಿಯಂತ್ರಣ) ಕಾಯಿದೆ, 1996 (BoCW ಕಾಯಿದೆ) ಚೌಕಟ್ಟಿನೊಳಗೆ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತವೆ.

Summary of key issues

Workers in construction and related work face a number of challenges in accessing welfare entitlements and these are summarised on this page.

Field coordinators should note that BoCW schemes do not have any components that address social deprivations except scholarships for children. There are no separate provisions or additional benefits for SCs, STs, OBCs or minorities.

ATTENTION: Field coordinators should note that BoCW schemes do not have any components that address social deprivations except scholarships for children. There are no separate provisions or additional benefits for SCs, STs, OBCs or minorities.

Exclusion owing to policy design

• Employment in construction sector is not enough
  • Not everyone employed in a construction firm is covered. Certain job profiles such as gardeners and parking area employees are excluded.   

• Some components such as marriage allowance are available based on domicile in state. 
• The process for availing benefits is dependent on mobile phones  
  • From obtaining Aadhar card to Aadhar seeding and conveying the one-time passwords at each step, a mobile is required.
• Against the backdrop that the BoCW schemes do not have an underlying SC/ST component, schemes for the upliftment of SC/ST communities managed by the SC/ST Corporation are primarily for locals, leading to exclusion of SC/ST migrants.

Box for CSO comments:

Exclusion owing to lack of awareness

• Awareness of schemes that can be availed under BOCW is limited.
  • Workers lack awareness of available schemes, in some cases even after having spent 20 years in this occupation.

Box for CSO comments:

Exclusion owing to lack of supporting documentation

• Unavailability of supporting documents or issues with supporting documents such as Aadhaar card discrepancies, name/age mismatches, absence of bank passbooks, and challenges in Aadhaar seeding for bank accounts.

Box for CSO comments:

Exclusion owing to technology or other process related reasons

• The Seva Sindhu portal experiences periodic slowdowns, and there are limitations on document size, often restricted to around 250kb per document.
• Scheme components such as pensions falling under the Revenue Department are more difficult to obtain whereas basic health, accident, and other entitlements under the jurisdiction of the Labor Department are much easier to obtain procedurally.
  
• Scholarship documentation: tight timelines and documentation challenges for scholarships requiring income and caste certificates. While income certificates are valid for 5 years, caste certificates remain valid for life. However, individuals often discover that their income certificates have expired when applying for scholarships, resulting in missed deadlines.

Box for CSO comments:

Exclusions owing to behavioural issues

• Trust concerns: many CSOs in the ecosystem charge fees to help with the application process. Another channel is cyber cafes that charge exorbitant amounts to get work done. There is general hesitancy in sharing documents since many times CSOs are unable to get the work done despite taking money and all documents. There are also security/ identity theft related concerns.
• Applicants find it difficult to remember login details.

Box for CSO comments:

Legal provision of social security

Law/ Act under which these schemes are provided: BOCW (Building and Other Construction Workers) Act.

Implementation of the provisions under this act is through state-specific labor welfare boards.

Funding: welfare schemes under this act are financed by a 1% cess on all construction activities within the state.

Click here to access the Karnataka BoCW Welfare Board website

What are workers entitled to?

Availing benefits under the provision of BoCW Act is a two-step process BoCW ಕಾಯಿದೆಯ ನಿಬಂಧನೆಯ ಅಡಿಯಲ್ಲಿ ಪ್ರಯೋಜನಗಳನ್ನು ಪಡೆಯುವುದು ಎರಡು-ಹಂತದ ಪ್ರಕ್ರಿಯೆಯಾಗಿದೆ   Every worker must get a Labour Card first. The labour card enables access to 14 different life-stage specific entitlements summarised in the table below.

Benefits	Amount (Rs.)	Frequency	Applies to	Timeline for submission
BOCW Card	-	-	Worker	After 90 days of work in B&C
Pension	3,000	Monthly	Worker	Within 6 months of turning 60
Family pension	1,500	Monthly	Spouse
Accident	1-5 lakhs	One-time	Nominee/ Worker	Within 1 year of accident
Medical	20,000	-	Worker + dependents	Within 6 months of hospitalization, min 48 hours of hospitalization
Thayi Magu Sahaya Hastha	500 per month for 3 years	Monthly	Women worker- first 2 children	Within 6 months of delivery
Maternity	50,000	One-time	Women worker- first 2 children	Within 6 months of delivery
Marriage	60,000	One-time	Self or children (max twice)	Within 6 months of marriage
Major ailment	200,000	-	Worker + dependents	Within 6 months of discharge
Education	5,000 to 75,000	Annual	2 children	Within 6 months of next academic year
Disability pension	2,000	Monthly	Dependents	Within 6 months of issue of disability card
Funeral exp	4,000	One-time	Worker	Within 1 year of death
BMTC Bus Pass	2,100	Monthly	Worker	-
Toolkit	20,000	One-time	Skilled worker only
House Assistance

Step 1: Getting the labour card | ಕಾರ್ಮಿಕ ಕಾರ್ಡ್ ಪಡೆಯುವುದು

What is a BoCW labour card?

A BoCW labor card is an official identification card issued to construction workers who are eligible under the BoCW Act. This is the first basic document required to avail entitlements under the BoCW Act.

Every construction worker must renew their registration with the Board every 3 years. If not renewed within this period, a 1-year grace period is granted. After that, the registration becomes invalid.

Click here for labour card registration webpage

Click here for labour card renewal webpage

What are the requirements to get a labour card?

• Employment certificate ((Form V(A)/V(B)/V(C)/V(D)))- proof of having engaged in building and other construction (B&OC) work for a minimum of 90 days in the previous year. 

Click here to download the 90-day work certificate template

The employment certificate is validated by a labor inspector and employer/ registered labor union/ gram panchayat.

• Age- between 18 and 55 years
• Age proof- Voter ID or Aadhaar card
• Aadhaar card- linked to a mobile number (Self-Attested)
• Bank passbook copy
• Ration card (non-mandatory)

With a recent change in guidelines ration card is not mandatory now; till 6 months back this was a required document for labour card renewal.

• Nominee's bank passbook copy
• Nominee and children's correct name and age details

If nominee and children's details are not provided at this time or are incorrect, it will lead to difficulty in availing benefits under various schemes. 

Common reasons why construction workers fail to receive the benefits under BoCW schemes

Exclusion owing to policy design

• Gardeners, parking area employees etc. roles not considered construction work (CW).

Another example: a person drives a vehicle supplying water on construction sites. When the labour inspector calls for verification, he says I am a driver. So, the application gets rejected.

Trades such as mason, plumber, electrician are considered part of CW.

• Petty labourers don’t get the seal/ sign of contractors as they are often involved in irregular work at different worksites under different contractors.
• Physical verification of hands to figure out if the person is working with sand and cement. 
• Aadhar-mobile link mandatory, but workers change their mobile numbers frequently requiring repeated linking.

Hard labor affects accurate bio-metric fingerprints.

At the time of verification, worker may switch to another worksite hence not available on previous construction site where he applied from.

Exclusion owing to lack of awareness

• In extreme cases, workers who have been in this occupation for 20 years don't know about their entitlements.

Exclusion owing to lack of supporting documentation

• Many times workers leave their necessary documents at native place when they come for work, especially migrants from UP & Bihar
• Having a bank account with an Aadhar-linked mobile phone is a prerequisite, and many workers either do not have an account and/ or Aadhar card or the account is not linked with their Aadhar.
• Names, age and address don’t match in different documents

Petty laborers often face challenges in obtaining the seal or signature of contractors for work certificates since they work irregularly at various sites.

Exclusion owing to technology or other process related reasons

• BOCW website doesn’t stay up for more than 10 minutes at a stretch- it frequently takes them 5 hours to fill one application form.
• Technical issues such as maximum document size for uploading (250KB) and space also pose an important challenges while uploading docs.
• Workers don’t remember the login details which remain with CSOs, so trust building takes time.
• Lack of access to smart phones and in many cases a single phone number used by multiple members of the household. With a single phone number, if both father and son are laborers, only one gets the benefit albeit both have phone linked Aadhaar cards.
• In certain instances, workers' essential documents are kept in their hometowns, and their families there do not possess smartphones to send images of necessary documents, such as Aadhar cards, ration cards, PAN cards, and bank passbooks.

• Many labourers have been unaffiliated with any CSOs and often resort to costly cyber-cafés for application; rejections lead to money loss, discouraging scheme registration.

• Some CSOs take money from applicants to apply for cards/ schemes.

• Workers don’t remember the login details which remain with CSO.

Cyber centers often bribe officers to get work done.

Workers often change their phone numbers frequently, and their Aadhar numbers may not be linked to their current phone numbers.

For all Aadhaar linkage work, OTP comes to the applicant’s phone but they refuse to cooperate because they are at work or don’t see phones for a long time. So this application process needs to be repeated multiple times as OTP has time-bound validity.

Exclusion owing to behavioural issues

• Migrants often require a local address to benefit from various schemes, but they are reluctant to change their address due to concerns about missing out on opportunities in their home states or to preserve important documents and proofs.

Applicants, especially recent migrants, are hesitant to disclose all documents and information to CSOs (Civil Society Organizations).

Once the application gets rejected there is no refund. So, workers are apprehensive of wasting money and go via agencies.

Annual Renewal Muster roll or pay slip is required for renewal. It is not possible to obtain for muster roll for ‘gig’ workers within this occupation. Trade unions can provide work certificate for 90 days but cannot provide muster rolls.   As per the recent experience of some partners, the labour department has stopped accepting renewals without muster roll because, according to them, many non-construction workers have enrolled. Awaiting new format of muster rolls from the department. Workers with big builders do not face this problem. Physical verification of hands to figure out person is working with sand and cement. The labor card requires renewal either annually or every three years. Workers often fail to keep track and experience delays in renewal leading to a loss of access to benefits.

Examples of CSOs going the extra mile to get work done Certain CSOs enroll construction workers into unions, and these unions assume the comprehensive responsibility for addressing labor card issues, including renewal, corrections, and updates, such as  Sampark and Grakoos. Mitr Sanketa takes an additional step by liaising with government departments to personally collect the paperwork required for laborers' card applications and access to various schemes. CFAR have set up a CSC (customer service centre) so can apply for schemes etc directly.

Step 2.1: Medical assistance | ಕಾರ್ಮಿಕ ಆರೋಗ್ಯ ಭಾಗ್ಯ

Karmika Arogya Bhagya scheme provides registered construction workers and their families financial support to cover various medical expenses, including hospitalization and treatment costs. 

What are the workers entitled to?

The financial assistance is applicable to registered construction workers and their family members who are hospitalized in a government hospital, a private hospital listed in Schedule I of the Karnataka Government Servant’s (Medical Attendance) Rules, 1963, or a hospital recognized under any state government insurance scheme. 

Workers have to first pay and then seek reimbursement.

On paper, this assistance is available for a minimum continuous hospitalization period of 48 hours, and it amounts to Rs 300 per day of hospitalization, with a maximum cap of Rs 20,000, subject to actual expenses incurred. See a later section on this page for challenges in reimbursement especially with respect to minimum period of hospitalisation.

What are the eligibility criteria? 

• The construction worker has to be registered and in possession of a valid labour card.
• The treatment can only be done in an approved hospital (government or private hospital, as per RSBY list).
• Claim has to be made within 6 months of hospitalisation.

What documents are required for application?

• Attested Proof of Identity/Smart card from the Board
• Employment Certificate
• Proof of Bank Account
• Hospital invoices detailing admission and discharge dates, inclusive of the provided treatment
• Any medical documents on hospitalization of beneficiary/dependent in government/private hospital included in schedule1 of the Karnataka government servants (medical attendance) Rules 1963
• Completed Form XXII-A from the hospital
• Applicants submit the application through KB&OWWB software

Click here for a list of centers for enrollment

What is the procedure to apply?

• Applicant needs to submit the application through KB&OWWB software

Click here to apply medical assistance

 At this step, applicants depend on CSOs for guidance and assistance on the paperwork/ online process.  

• Application is first verified by a Senior/ Labour Inspector.
• In the final stage, the application is reviewed and approved by a Labour Officer.

Common reasons why construction workers fail to receive the benefits under Karmika Arogya Bhagya

Exclusion owing to policy design

• Reimbursement claim has to be made within 6 months of hospitalisation.
• Poor workers have to spend first from their own pocket and then claim reimbursement. 
• This scheme applies to only registered construction workers and their families, not to all construction workers. 
• Hospitalisation should have been only in approved hospitals. During emergencies, usual practice is to rush to a nearby hospital/ private nursing home.  

Exclusion owing to lack of supporting documentation

• Obtaining attestation of the Identity/Smart card issued by the Board from a gazetted officer is challenging (time consuming).
  

Reimbursement made directly to the claimant's bank accounts via Direct Bank Transfer (DBT). Transaction fails if bank account is not linked to Aadhar.

Exclusion owing to reimbursement process related reasons

• Upon discharge from the hospital, construction workers often face difficulties in obtaining essential documents such as the pharmacy bill and final bill which are necessary to apply for assistance.
• Listed criteria indicate 48-hour hospitalisation, but applications are rejected if hospitalisation is for less than 7 days.
  
• The doctor providing the treatment must sign Form 22A for the construction worker, but obtaining the doctor's signature is often challenging. As an alternative, a backup signature is commonly used because of which claim applications are rejected.

Reimbursement is done only if treatment is in hospitals empaneled with the board.

Reimbursement rates range from 75% to 90%

No subsidized rates like CGHS for diagnosis, doctor fees, and medicines.

Click here for list of approved hospitals

Step 2.2: Thayi Magu Sahaya Hastha | ತಾಯಿ ಮಗು ಸಹಾಯ ಹಸ್ತ

Thayi Magu Sahaya Hastha, a nutrition assistance and pre-school education focused entitlement, applies to registered woman construction workers and their first two children for a duration of three years from the date of delivery.

What are the workers entitled to?

A registered woman construction worker is entitled to:

• Per child monthly Rs 500, for 3 years from the date of delivery to support early childhood education and provide nutrition assistance (lifetime total entitlement value of Rs 36,000 per woman).
• Applies to the first 2 children only.

Applications should be submitted within six months of delivery.

Please note: miscarriages are counted as live births.

What are the eligibility criteria?

• The woman worker has to be registered as a construction worker and in possession of a valid labor card.

Wife of a construction worker is not eligible for this benefit. In many cases, both husband and wife work as construction workers, but only the husband has a labour card, believing that one card is sufficient for the entire family. 

What documents are required?

• Filled application form XVII-A
  
• An Affidavit stating that the claim for second Delivery
  
• Proof of bank account
• Photo of child
• Employment certificate
• Attested proof of identity/labor card issued by the Board.
• Discharge summary & birth certificate of child
• Ration card (is it reqd as address proof?)
• Child living Affidavit shall be submitted for second and third year

What is the application procedure?

Applicant needs to submit the application via the Seva Sindhu portal within 6 months of delivery.

• The application is first processed and verified by a Senior/Labour Inspector.
• In the final stage, the application is reviewed and approved by a Labor Officer.

Click here to apply Thayi Mau Sahaya Hastha

Every application has to be accompanied by the birth certificate of the child obtained from the Registrar of Birth and Deaths.

For continuity of benefits beyond the first year, application must be submitted for the second and third years as well. This also requires annual submission of an affidavit to prove that the child, for whom the benefit is claimed, is alive.

Common reasons why construction workers fail to receive the benefits under BoCW schemes

Exclusion owing to policy design

• This scheme applies only to registered woman construction workers, not spouses of construction workers.
• Women must prove that they have worked for 90 days in the year before delivery. Hard physical labour is challenging during pregnancy and the inability to prove makes women ineligible to claim the benefits.
• Proof of child's birth is necessary. Some migrants lack official birth documents when deliveries take place at home making them ineligible.
• 'Living child' affidavit is required for claiming benefits for the second and third years. Obtaining a lawyer's affidavit is challenging and costly.
  
• Miscarriages are counted as live births, only two live births allowed.
  

Minimum one-year waiting period for maternity benefit eligibility i.e. should be a registered construction worker for at least a year before claiming benefits.

Exclusion owing to lack of supporting documentation

• Most migrants choose to retain ration card from their villages so are unable to provide local address proof.
• Changing the address in Aadhaar, even within Bangalore, poses a challenge for migrant workers who relocate after marriage.
• A birth certificate for the child is necessary. In instances of home delivery, acquiring a discharge slip poses a challenge, creating obstacles in obtaining the birth certificate.
• An employment certificate is required, but who work irregularly at various sites, obtaining the seal or signature of contractors poses a challenge in acquiring the certificate.
  
• Applications can be submitted every year, for up to three years
• Workers may submit applications every year, extending up to three years. However, some workers may be unaware of this, leading to their exclusion from the scheme benefits.

Exclusion owing to eligibility conditions

• Eligibility for this scheme requires women to be registered as construction workers, and wives of construction workers are not eligible.

• Scheme is exclusively available to vulnerable households, mandating the possession of a ration card.

Exclusion owing to renewal related process

• The program spans three years and is renewable annually, but knowledge gaps can hinder the renewal process after the first year.

Step 2.3: Assistance for major ailments | ಪ್ರಮುಖ ಕಾಯಿಲೆಗಳಿಗೆ ಸಹಾಯ

Assistance for Major Ailments provides support for medical expenses, with a maximum amount of Rs. 2,00,000/- (Rupees Two Lakh only), related to the treatment of significant illnesses for registered construction workers and their dependents.

What are the major ailments?

Major ailments refer to serious health conditions such as heart surgeries, COVID-19, kidney transplants, eye surgeries, paralysis treatment, bone surgeries, uterus surgeries, asthma treatment, complications from miscarriage, gallbladder problems, kidney stones, brain hemorrhages, ulcers, cancer treatments, dialysis, surgeries related to kidneys, ears, nose, and throat, brain and nerve surgeries, blood vessel surgeries, throat and digestive system treatments, breast surgeries, hernia, appendix, bone fractures, or any other illness that the Board considers serious, including work-related diseases.

Accident means any physical injury that causes permanent disability (partial or full) or death as a result of an accident during work or while traveling between home and work. If the accident happens on the usual route between home and the workplace, and it results in death, it is also considered.

What are the workers entitled to?

Financial assistance is provided to registered construction workers and their dependents during hospitalization.

The assistance is applicable for a minimum continuous hospitalization period of 48 hours.

The financial aid amounts to Rs 300/- per day of hospitalization, with a maximum limit of Rs 200,000/-.

The application must be submitted within six months from the commencement date of hospitalization.

Hospitalization is limited to either a Government hospital or a private hospital listed in Schedule I of the Karnataka Government Servant’s Rules, 1963, or a hospital recognized under any insurance scheme of the State Government.

Click here for list of approved Government and Private Hospitals

On paper, this assistance is available for a minimum continuous hospitalization period of 48 hours, and it amounts to Rs 300 per day of hospitalization, with a maximum cap of Rs 20,000, subject to actual expenses incurred. See a later section on this page for challenges in reimbursement especially with respect to minimum period of hospitalisation.

What are the eligibility criteria?

• The construction worker has to be registered and in possession of a valid labour card.
• Every registered construction worker's dependent (in the case of the worker's death during treatment) eligible for medical expense assistance must submit an application in Form XXII to the Board.
• The treatment can only be done in an approved hospital (government or private hospital, as per RSBY list).

What type of documents required?

• Proof of Identity/Smart card issued by the Board
  
• Employment Certificate
  
• Proof of Bank Account
  
• Bills of hospital showing Admission and Discharge Dates and all treatment given
  
• Any medical documents on hospitalization of beneficiary/dependent in government/private Hospital included in the schedule1 of the Karnataka government servants (medical attendance)
• Rules 1963 or a hospital recognized under any insurance scheme of the state government.
• Filled form XXII-A

Application can be submitted within 6 months of the hospitalization commencement date.

Common reasons why construction workers fail to receive the benefits under BoCW schemes

Exclusion owing to on-ground implementation

• The scheme has a discrepancy in its hospitalization criteria. While it mentions a minimum of 48 hours, the actual application process requires a hospital stay of at least 7 days. Applications are rejected if the patient is discharged before completing this 7-day period.
• The scheme mandates treatment in a board-affiliated hospital, but instances of seeking treatment in non-affiliated hospitals have been reported, potentially affecting eligibility.
• Form 22 necessitates the signature of the attending doctor, but in many cases, a backup or substitute doctor signs it, leading to claim rejection.

Exclusion owing to Lack of awareness and trust among workers

• The lack of knowledge or awareness among laborers regarding the renewal process may lead to a failure to renew on time. This failure could subsequently result in the loss of benefits if an unforeseen event occurs.

Step 2.4: Maternity Benefits | ಹೆರಿಗೆ ಪ್ರಯೋಜನಗಳು

A registered female construction worker is eligible for assistance of Rs.50,000 for the first two deliveries, whether the child is male or female. This support is granted upon the worker's application and submission of childbirth proof.

What are the workers entitled for?

The Secretary or any other officer duly authorized by the Board shall approve an application from a registered female construction wo'rker for an amount of Rs. 30,000 for a female child and Rs. 20,000 for a male child.

Scheme is limited to the first two deliveries, upon submission of proof of childbirth.

The assistance will be provided in the form of a Fixed Deposit or Bond (Thayi Lakshmi Bond) in the mother's name, with a minimum maturity period of 3 years.

To gain benefits from the scheme, proof of child birth is necessary.

What are the eligibility criteria?

The Amount shall be sanctioned, only if the conditions are fulfilled namely.

1. Woman has to be registered as a construction worker
2. The registered woman construction worker can get this assistance only twice.
3. Second claim application shall be accompanied by an affidavit stating that the claim is for second delivery.
   
4. The certification of registration of birth obtained from the registrar of births and deaths or certificate of delivery in a government or private hospital in the state of Karnataka duly signed by the doctor concerned from the institution shall be produced along with the application.

The documentation states that registered female construction workers were initially expected to have no outstanding payments to the Board. However, it is necessary to verify whether this provision has since been revoked or abandoned.

The registered woman construction worker shall not be given this assistance if she already has two living children.

The scheme is exclusively sanctioned to registered female construction workers, and the wives of male construction workers are not eligible.

What type of documents required?

1. Attested Proof of Identity/labour card issued by the Board
   
2. Filled application form XVII
3. Proof of Bank Account
4. Photo of Child
   
5. Employment Certificate
   
6. Discharge Summary from hospital
   
7. Birth Certificate of Child
8. Affidavit for the second child

Application need to be submitted within 6 months of delivery

What is the procedure to apply?

1. Applicant needs to submit the application.
2. Application processing and Verification by Senior/ Labour Inspector.
3. Review and Approval by Labour Officer

Common reasons why construction workers fail to receive the benefits under Maternity scheme

Exclusion owing to policy design

1. If the husband is a construction worker, his pregnant wife, as the spouse of a construction worker, is not eligible for this facility.
2. To access this benefit, pregnant women are required to provide a work certificate demonstrating 90 days of employment before delivery. However, it may be challenging for a pregnant woman to engage in strenuous work for the full 90 days preceding delivery.

Miscarriages are considered as live births, and the eligibility criteria stipulate that only two live births are allowed under the scheme.

Exclusion owing to on-ground implementation

1. This scheme does not cover home deliveries, where women give birth at home. In such cases, since there is no discharge summary, they are unable to apply for the benefits.

Exclusion owing to lack of awareness

1. Lack of awareness amongst women workers to avail this scheme.
2. This program is offered for three consecutive years, after which it must be renewed annually. But after the first year, many people won't apply for the renewal owing to a lack of knowledge.

Step 2.5: Marriage Assistance | ಮದುವೆ ನೆರವು

What is Marriage Assistance scheme?

Marriage Assistance Scheme designed to offer financial aid a sum of Rs. 60,000/- (Rupees Fifty Thousand Only) to registered construction workers, assisting them in managing the wedding expenses for two dependent children. The scheme provides this support through a grant, subject to specific conditions, including a prerequisite of at least one year between the worker's registration date and the date of their son's or daughter's marriage for which assistance is being sought. Can be availed for own marriage also.

What is the eligibility criteria for accessing benefits from the scheme?

• Minimum one-year lapse from applicant's registration date to the son or daughter's marriage date
• Application to be submitted within 6 months of marriage
• Assistance available for a registered construction worker's family only twice, with one claim per marriage
• Son or daughter must meet the legal age for marriage
• Certificate of marriage registration required
• Previous requirement of a Fixed Deposit or Bond eliminated; current scheme involves Direct Benefit Transfer (DBT) of INR 60,000. 
• Application for claiming the amount should be in Form XXIII

Marriage assistance will only be provided if the son or daughter of the registered construction worker has reached the legal age for marriage.

Please check old provision- The registered construction worker shall have no dues payable to the Board.

What type of documents required for application?

1. Beneficiary/original Identity card, Issued by the board.
   
2. Employment Certificate
   
3. Bank Account details
   
4. Marriage Certificate by Registrar of the marriage
   
5. Marriage Invitation Card
   
6. Affidavit if marriage is outside Karnataka state.
   
7. Ration Card
   
8. Application submitted within 6 months of the marriage.

What is the procedure to apply?

1. Applicant needs to submit the application.
   
2. Application processing and Verification by Senior/ Labour Inspector.
   
3. Review and Approval by Labour Officer
4. Worker needs to be a domicile of Karnataka and marriage has to be done in Karnataka only.
5. Migrants from other states are not eligible at first place.
6. CW engaged in multi-occupation leads to outright rejection during inspections. 
   
7. Applications restricted to registered labor department district.
8. Minimum 1 year old BOCW Card needed for scheme enrolment.
   
9. The family of a registered construction worker can avail this assistance only twice, however there shall be only one claim in respect of a given marriage irrespective of the number of registered construction workers in the family.

Common reasons why construction workers fail to receive the benefits under Marriage assistance

Exclusion owing to policy design

1. Worker needs to be a domicile of Karnataka and marriage has to be done in Karnataka only.
2. Migrants from other states are not eligible at first place.
3. CW engaged in multi-occupation leads to outright rejection during inspections. 
   
4. Applications restricted to registered labor department district.

Exclusion owing to Workers/behavioral issues

1. Workers lack guidance for handling inspectors during inspections. Inspectors engage in conversation with neighbors, considering their input for worker eligibility assessment.
2. Claims pertaining to under age marriages are rejected.

Exclusion owing to eligibility conditions

1. Minimum 1 year old BOCW Card needed for scheme enrolment.
   
2. The family of a registered construction worker can avail this assistance only twice, however there shall be only one claim in respect of a given marriage irrespective of the number of registered construction workers in the family.

Step 2.6: Pension Scheme | ಪಿಂಚಣಿ ಯೋಜನೆ

Pension scheme under BoCW in Karnataka offer financial assistance of Rs. 3,000 per month to registered construction workers in their retirement years. 

What are the workers entitled to?

Workers meeting eligibility criteria and contributing to the welfare fund qualify for a monthly pension of Rs. 3000 upon reaching the designated retirement age of sixty years.

A registered construction worker must remain a continuous beneficiary of the board for a duration of three years before reaching the age of 60.

Contribution is not mandatory post the commencement of COVID, but active engagement in the construction sector is still a prerequisite.

Application can be submitted within 6 months after attaining the age of sixty years

Eligible workers are required to submit a Living Certificate (Form XII-A) annually to qualify for the pension.

What are the eligibility criteria for accessing benefits from pension scheme?

1. Age Requirement: The beneficiary must have reached the age of sixty years.
2. Duration of Beneficiary Status: The beneficiary should have been registered as a beneficiary of the Board for at least six years before reaching the age of 60.
3. Subscription Payment: Eligibility is also determined by having paid the subscription fees until the age of sixty. In other words, those who have consistently contributed to the welfare fund until the specified age is eligible for the pension. (Note: This is not applicable currently.)

What type of documents required for application?

1. Filled application form XII
2. Attested photocopy of ID card
3. Original ID card submitted to the Board
4. Photocopy of beneficiary’s bank passbook
   
5. Ration Card.
6. Employer Certificate.
   
7. In case of Beneficiary death, nominee should provide death certificate to Board.
8. Before attaining age of 60 years registered construction worker shall be the beneficiary of the board continuously for the period of 3 years.
9. Application processing verification [If required] by the Senior/ Labour Inspector.
10. Review approval by the Secretary /Joint Secretary.
    

Application can be submitted within 6 months after attaining the age of sixty years.

Registering authority should submit the copy of the age proof of beneficiary which was submitted at the time of registration.

Common reasons why construction workers fail to receive the benefits under BoCW schemes

Exclusion owing to eligibility conditions

The scheme mandates that individuals have worked for a period of 3 years before reaching the age of 60 and maintained board membership for at least 6 years to access the benefits.

The scheme's requirement for individuals to work until the age of 60, despite the fact that many construction workers retire between the ages of 50 to 55, poses a significant challenge.

Exclusion owing to on ground implemenation

To qualify for the pension, it's required to submit an annual "living certificate." Yet, for numerous senior citizens, obtaining this certificate poses a challenge as they must personally visit the center where it's prepared, including providing biometric fingerprints. However, due to the physical strain of labor-intensive work, there are instances where these fingerprints may not match the records.

Examples of CSOs going the extra mile to get work done

Currently, the sole form of pension available is the old age pension; however, Fedina is actively working to establish a framework to expand pension coverage to retired construction workers.

Questions and scenarios for discussion

What happens when the retiree moves to another state?

Step 2.7: Disability Pension | ಅಂಗವೈಕಲ್ಯ ಪಿಂಚಣಿ

The Disability Pension Scheme offers financial support to registered construction workers who are partially disabled due to any disease or accident at the worksite.

What are the workers entitled to?

The Board or an authorized officer may approve a monthly disability pension of Rs. 2000, as per the Government of Karnataka Notification, for a beneficiary who is partially disabled due to any disease or accident at the worksite. Additionally, an ex-gratia payment of not more than Rs. 2,00,000 (Rupees two lakhs only) may be sanctioned, depending upon the percentage of disability.

What are the eligibility criteria?

A worker should be disabled

What documents are required for application?

1. Original ID card submitted to the Board
   
2. Photocopy of beneficiary's bank passbook
   
3. Provide a Living Certificate every year
   
4. Ration Card
   
5. Employer Certificate
   
6. Medical Report
   
7. ID card issued by the department for the empowerment of differently abled and Senior citizens
   
8. Photocopy of the disabled beneficiary
   
9. Application can be submitted within 6 months from the date of issue of disability ID card by the competent authority
   
10. In case of death of the Beneficiary Nominee should provide a death certificate to the Board
    
11. Application in Form XIV
    
12. subscription certificate by SLI/LI

Click here to apply for Disability pension 

What is the Procedure for applying for a disability pension?

1. Applicant needs to submit the application.
   
2. Application processing and Verification by Senior/ Labour Inspector.
   
3. Review and Approval by the Assistant Labour Commissioner

Common reasons why construction workers fail to receive the benefits under disability pension scheme

Exclusion owing to eligibility condition

Labor must be registered as a construction worker to qualify for the scheme.

Exclusion owing to on-ground implementation

• Handling pensions of various types falls under the jurisdiction of the Revenue Department, posing increased complexities in the process
  
• Obtaining a disability certificate is challenging for individuals with disabilities who need to visit hospitals
• Upon receiving an acknowledgment, applicants are required to visit a specific designated hospital.
  

Only individuals with 50% or more disability are eligible for these pensions. 

Application process involves applying online.

Women with disabilities are required to submit their applications to the Women and Child Development (WCD) department to obtain the necessary certificate, serving as an additional prerequisite.

According to the Mitr Sanketa's interaction with women in Bangalore, approval is granted to only 3-4 individuals out of 5000 applicants, and the specific reasons for rejection are undisclosed or unshared.

Examples of CSOs going the extra mile to get work done

• CFAR engaged in discussions with the health/disabilities department to propose the organization of camps.
• The initiative aimed to streamline processes by bringing document-signing authorities directly to communities, eliminating the need for disabled individuals to visit hospitals.
• Additionally, CFAR staff regularly participated in monthly UDID grievance meetings with officials from the CSC.
• Despite receiving approval, the printing of cards was a time-consuming step. Through CFAR's advocacy with the department, the necessity for a printed card has been eliminated, and a downloadable version is now deemed sufficient.
• CFAR did an outreach program with India Post Payments Bank (for awareness on opening low-cost bank accounts to avail of the various schemes Aadhaar-linked or other schemes).

Step 2.8: Education Assistance | ಶಿಕ್ಷಣ ನೆರವು

The education assistance schemes aim to offer annual financial support to the children of registered workers, covering education from Class I to Diploma, Graduation, Post-Graduation, etc.

What financial support is available for the children of construction workers?

SI No.	Name of the education courses or standard or grade	Annual Educational assistance (INR)
1	KG/Pre school/ Nursery (Age 3 to 5)	5,000
2	1st to 4th standard	5,000
3	5th to 8th standard	8,000
4	9th to 10th standard	12,000
5	1st PUC & 2nd PUC	15,000
6	ITI/Polytechnic/ Diploma	20,000
7	BSc Nursing (Paramedical)/ G.N.M / A. N. M	40,000
8	D.Ed.	25,000
9	B. Ed	35,000
10	Graduation	25,000
11	L.L.B/ L.L.M	30,000
12	Post Graduation (maximum 2 years)	35,000
13	BE/ B. Tech or equivalent Master's Degree	60,000
14	Medical (MBBS/ BAMS/ BDS/ BHMS/ or equivalent medical courses)	60,000
15	MD (Medical)	75,000
16	PhD/ M. Phil for any subject (maximum of 3 years for PHD and 1 year for M.Phil.)	25,000
17	IIT/ IIIT/ IIM/ NIT/ IIISER/ Courses accredited by AIIMS/ NLU and Government of India	Tuition fee

What are the eligibility criteria?

Educational assistance is extended to the son or daughter of a registered construction worker.

Click here to apply for Education assistance scheme

Guidelines for applying application

Guidelines for applying application- Pre-Matric Scholarship

Guidelines for applying application-Post-Matric Scholarship

Common reasons why construction workers fail to receive the benefits under Education assistance

Exclusion owing to eligibility condition

• Labour has to be registered as a construction worker.
• The scheme is valid for a maximum of two children.

Exclusion owing to documentation

1. In Karnataka, all educational assistance schemes require the SATS ID, a state-specific identification that is often unavailable to migrants. The father's Aadhar is compulsory, but in cases where the father passed away before 2012, his Aadhar information is not accessible.

2. The schemes operate within a narrow time frame for application and demand various documents, posing challenges for migrants in obtaining the necessary paperwork from their places of origin.

3. Failure to accurately list the children's names on the labor card and providing incorrect details about the worker's children will lead to application denial.

Exclusion owing to policy design related

1. The scheme's benefits are seasonal in nature and can't be applied for continuously. In 2021, applications were accepted only in June, July, and August. In 2022, the window was open in February, March, and April.
2. Benefit applies only up to two children and remaining children are automatically out of the coverage.
3. Officials insist on SATS ID (student identification number) which is a KA specific document and migrants don’t have it in home state.
4. The delayed renewal of the father's labor card leads to missed deadlines due to the brief application window and a lack of awareness among laborers about the necessity to renew their cards.

Exclusion owing to tech & system related

1. Many universities have yet to update their college codes, and by the time they do, the deadline will likely have passed.

2. The portal frequently encounters server issues, causing delays in application submissions and resulting in application failures.

3. Moreover, there is a very limited time frame to apply for the scholarship, and the department often alters the application process, causing confusion among applicants.

4. The department modifies the process each year:

   • In 2023: SS (Seva Sindhu)

   • In 2022: Applications can only be submitted through SSP (State Scholarships Portal)

   • In 2021: SS (Seva Sindhu)

Step 2.9: Accident Benefits | ಅಪಘಾತ ಪ್ರಯೋಜನಗಳು

The Accident Benefit provides financial assistance to registered construction workers who experience unforeseen and sudden events leading to death or permanent, total, or partial disablement.

What are accident related benefits under BoCW?

1. When a registered construction worker experiences an accident during their employment, the employer is obliged to provide compensation as per the Employee's Compensation Act, 1923.

2. The Secretary or an authorized representative may grant compensation as follows: 50% in a Fixed Deposit in a National Bank and 50% through an account payee cheque or Direct Benefit Transfer (DBT).

3. The compensation amounts are as follows:

   1. INR 5 Lakh to the nominee in the event of death,

   2. INR 2 Lakh for permanent total disablement, and

   3. INR 1 Lakh for permanent partial disablement, proportionate to the degree of disablement as defined by the Employee's Compensation Act, 1923.

When are benefits from the accident scheme not provided?

Benefits will not be given under the following cases: 

1. Natural Death
2. payment of compensation in Respect of Death or injury as a consequence of resulting from-
   • Committing or attempting suicide, Intentional self-injury;
   • whilst under the influence of intoxicating liquor or drugs;
   • Committing any breach of law with the criminal intent;
   • Pregnancy during childbirth, miscarriage, abortion or complication arising there from;
   • curative treatments or interventions;
   • venereal or sexually transmitted diseases;
   • HIV or related illness;
   • Any attempted crime on the body

What type of documents are required for application?

1. Photocopy of ID card attested by gazette officer
2. Photocopy of bank passbook Beneficiary or Nominee's in case of beneficiary’s death
3. Beneficiary/original Identity card, Issued by the board.
4. Respective application shall be made in Form XXI or XXI-B
5. Death Certificate (in case of death due to accident)
6. Postmortem report
7. Any Photo ID proof of Nominee 
8. FIR copy
9. Medical report
10. Employer Certificate
11. Form XXI-A (This document has to be filled by the employer and uploaded)
12. Application shall be submitted within one year of accident
13. Subscription certificate by SLI/LI

Common reasons why construction workers fail to receive the benefits accident scheme

Exclusion owing to eligibility

• Labor must be registered as a construction worker to qualify for the scheme.

Exclusion owing to documentation related

• An attested photocopy of the ID card by a gazetted officer is required, posing challenges for migrant workers in obtaining the necessary attestation for the photocopy.
• In the unfortunate event of a worker's death due to an accident, both the death certificate and the post-mortem report are required.
• An FIR (First Information Report) copy is mandatory, even for minor accidents.
• Medical reports need to be provided.
• Form XXI-A, which must be completed by the employer and uploaded, is a scheme-related document.

On-ground implementation issues

• FIR is essential, even in cases of minor accidents.
• In certain situations, FIR may not be filed for fatalities resulting from a tree fall or a collision involving a BMTC bus.
• It's important to note that during accidents, workers are typically sent to the nearest hospital for treatment. However, the KBOCW (Karnataka Building and Other Construction Workers) scheme requires treatment to be received at an affiliated hospital for eligibility.

Worker/ behavioral issues

• A significant challenge is the lack of awareness among many construction workers about their entitlement to accident benefits.
• Claims delayed beyond six months are not in accordance with the regulations. Verification errors can result in outright rejection without an opportunity for resubmission.
• The department often requests FIR and postpartum reports for claims, but most workers do not pursue FIR or reports for documentation, posing an additional challenge in accessing the benefits.

Questions and scenarios for discussion

1. Do doctors ask for bribes?
2. Can benefits under this be availed along with benefits under UDID card?

Step 2.10: Assistance to meet funeral expenses and ex-gratia | ಅಂತ್ಯಕ್ರಿಯೆಯ ವೆಚ್ಚಗಳನ್ನು ಪೂರೈಸಲು ಸಹಾಯ ಮತ್ತು ಎಕ್ಸ್-ಗ್ರೇಷಿಯಾ

If a registered construction worker dies, the Secretary, or any other officer authorized on this behalf by the Board, shall pay a sum of [Rs. 4,000(Rupees four thousand only)] to the nominee of the deceased registered construction worker to meet the funeral expenses of the deceased registered construction worker [and an ex gratia amount of [Rs. 71,000 (Rupees fifty thousand only)] shall also be paid to the nominee of the deceased registered construction worker to mitigate the financial hardship caused by the sudden demise.

What are the eligibility criteria to avail funeral expenses and the ex-gratia scheme?

1. Workers are required to register with the board.
   
2. Nominees eligible for the scheme must be specified during registration.
   
3. In the case of a legal heir, the Aadhaar number must be provided.

Click here to apply for assistance to meet funeral expenses and ex-gratia

What type of documents are required for the application?

1. Original ID card
   
2. Application in Form XVIII
   
3. Photocopy of bank passbook Beneficiary or Nominee in case of beneficiary’s death
   
4. Death Certificate attested by gazetted officer
   
5. Ration Card
   
6. Aadhaar Card
   
7. Employer Certificate
   
8. Any Photo ID proof of Nominee
   
9. Application shall be submitted within one year of death
   
10. subscription certificate by SLI/LI

Common reasons why construction workers fail to receive the assistance to meet funeral expenses and ex-gratia

Exclusion owing to eligibility condition

1. To avail themselves of the benefits, laborers must register as construction workers, but this requirement applies mainly to trades like masonry, plumbing, and electrical work, rather than to roles such as gardening and parking area maintenance, which are not categorized as part of the construction workforce.

Exclusion owing to on-ground implementation

1. A death certificate is a requirement, but if a worker passes away at home or in another state, obtaining the certificate can be delayed.
2. The deceased's name needs to be the same on both the death certificate and the labor card. Additionally, it is quite challenging to apply if the spelling changes.
3. If the nominee is a minor son, he might not possess an Aadhaar card, and even if he does, the funds will be granted upon reaching the age of 18 
4. According to protocol, labor inspectors are mandated to physically visit the residence of the deceased to approve claims. Despite this, a significant portion of applications is often denied or rejected without an official visit.
5. An employment certificate is required when submitting a death claim, however, obtaining the certificate for the deceased is challenging.

Exclusion owing to policy design issue

1. If Aadhar is not seeded, they will not receive assistance because it would be sent to their account via DBT (Direct Bank Transfer).
2. Nominee is must; without one, funds cannot be disbursed

Step 2.11: Shrama Samarthya Toolkit | ಶ್ರಮ ಸಾಮರ್ಥ್ಯ ಟೂಲ್ಕಿಟ್

A construction worker who has been registered as a beneficiary is eligible for Toolkit not exceeding rupees INR 20,000.

What are the eligibility criteria for accessing benefits from the Shrama Samarthya Toolkit scheme?

1. The beneficiary should be within fifty-five years of age
   
2. The beneficiary shall complete skill acquisition or skill upgradation training in masonry, plumbing, carpentry, bar bending & scaffolding, painting, tile laying, electrician, welding & steel fabricating, etc., acquired from skill development centers established by the board jointly with other Government departments in this regard. Tool kits will be provided after completion of the training.
   
3. The training programs shall include skills required for the construction workers to improve their awareness & employability the board shall bear the expenditure for the wage compensation of the trainees, boarding & lodging, Trainer & Master Trainee.
4. This facility shall be available to a beneficiary only once during his membership in the board.
5. While claiming this assistance the beneficiary shall produce the original certificate for having undergone skill acquisition or skill upgradation training along with the application in Form XV

Click here to apply for Shrama Samarthya Toolkit

What type of documents are required for the application?

1. Application in Form XV
   
2. Photocopy of ID card attested by gazetted officer
   
3. Proof of Bank Account
   
4. This training facility can be availed once during membership of the beneficiary
   
5. subscription certificate by SLI/LI
   
6. Application processing and Verification (if required) by Labour Inspector
   
7. Review and Approval by the Board
   
8. Issue of training certificate by training center

Common reasons why construction workers fail to receive the benefits under Shrama Samarthya Toolkit

Exclusion owing to eligibility conditions

1. Labor has to be registered as a construction worker 

2. Labor must be within 55 years of age 

3. Labor has undergone and completed training in various skills like masonry, plumbing, carpentry, and more at government-established skill development centers

Exclusion owing to scheme related

1. Unskilled workers and helpers are not eligible for toolkits 

Exclusion owing to on-ground implementation

1. Some individuals who work as masons might label themselves as just 'helpers'. Masons receive kits while helpers don't.

2. This benefit is seasonal and involves the department contacting organizations, informing them about the provision of mason kits, painter kits, etc. Organizations are then instructed to organize their documents accordingly. This initiative has been in place for the past 2-3 years, specifically in 2021 for masons, 2022 for painters, and the details for the year 2023 are yet to be declared.

Step 2.12: Assistance for free BMTC bus pass | ಉಚಿತ ಬಸ್ ಪಾಸ್ ಗೆ ನೆರವು

Assistance of concessional bus pass to registered construction workers in Bengaluru Metropolitan Transportation Corporation (BMTC) buses.

What are the eligibility criteria for accessing benefits from free BMTC bus pass?

A registered construction worker who is a permanent resident of Bengaluru City (Bruhat Bengaluru Mahanagara Palike Limits) is eligible to avail the benefit of BMTC Bus pass.

What type of documents required for application?

1. Labor card of the registered beneficiary
2. Aadhaar Card
3. Two stamp size Photo

Common reasons why construction workers fail to receive the benefits under Education assistance

Exclusion owing to eligibility conditions

1. To avail themselves of the benefits, laborers must register as construction workers, but this requirement applies mainly to trades like masonry, plumbing, and electrical work, rather than to roles such as gardening and parking area maintenance, which are not categorized as part of the construction workforce.
2. Worker need to be permanent resident of Bangalore City. 

Exclusion owing to documents related

A registered construction worker who is a permanent resident of Bengaluru City (Bruhat Bengaluru Mahanagara Palike Limits) or the place from where he travels to Bengaluru is eligible to avail the benefit of BMTC Bus pass. Local address not required as long as registered in Bangalore.

Exclusion owing to scheme related

1. The scheme has exclusively extended benefits to laborers with permanent residency, leaving out all other workers without such residency status. 

Domestic workers

Domestic workers in Bangalore face various challenges, similar to others in different places. While their experiences may differ, common problems exist. These include low pay and job insecurity, often because they don't have formal work contracts. The nature of their job means they work long hours without enough breaks, leading to tiredness and health issues. Many don't have access to social security benefits like health insurance or pension, making them financially vulnerable. Additionally, some face exploitative working conditions with verbal or physical abuse, often unreported due to fears of losing their jobs. Limited access to education and training holds back their professional growth. Inadequate legal protections make it hard for them to address issues like unfair treatment or unpaid wages. The undervaluation of their work leads to discrimination and a lack of respect at work and beyond. Many domestic workers lack collective bargaining power as they work in individual households, making it difficult to improve their working conditions. Transportation problems, relying on irregular or unsafe public transport, add to their challenges. Language barriers, especially for migrant workers, make it hard to communicate with employers. Overall, the varied challenges highlight the need for fair measures to improve the well-being and rights of domestic workers.

Summary of key issues in accessing schemes

Key issues in Accessing Schemes:

1. No Dedicated Department or Scheme: Domestic workers face a major challenge as there is neither a dedicated department nor a specific scheme designed for their improvement.
2. Informal Sector Worker Classification: Their situation is exacerbated by being categorized as informal sector workers, lacking proper representation and having no established written rules or agreements. Instead, their arrangements primarily rely on verbal understandings.
3. Lack of Fixed Wages and Hours: Furthermore, the absence of fixed wages or standard working hours adds to the difficulties faced by domestic workers, who heavily rely on daily earnings.
4. Local Discontent with Low Wages: Local Kannadiga domestic workers express dissatisfaction with those coming from other places, such as Bihar, Jharkhand, West Bengal, and Assam. This discontent arises because these workers often accept jobs for very low pay.

5. Transition from Clothing Industry to Domestic Work: Many individuals, previously employed in the clothing industry, transition to domestic work due to challenging working conditions, low pay, high work targets, and harassment, despite having benefits like PF/ESI.

6. Financial Burden of Money Transfers: Workers face an additional financial burden as they have to pay a fee ranging from 5% (using formal methods like money order) to 10% (utilizing informal methods like agents) for money transfers.
   

7. Influx of Migration for Employment Opportunities: Over the last 5-6 years, there has been a substantial influx of individuals from Chhattisgarh (CG) and Jharkhand (JH) to this region, driven by the promise of employment opportunities.

Civil Society Organizations (CSOs) play a crucial role in addressing these challenges by supporting domestic workers in coming together through collectives. This collaborative approach enables them to collectively address and overcome their shared concerns, with active involvement and guidance from CSOs.

1. Fedina and Mitr Sanketa are actively addressing various challenges faced by domestic workers by fostering unity among them and providing education on demanding higher pay. Their goal is to increase the workers' earnings from the current range of Rs 800-1,000 to Rs 3,000 for each hour of work, ultimately enhancing their monthly earnings.
   
   

Lega provision of social security

Budgetary support

State and/or central government share in funding

Applicable entitlements

• The Karnataka State Unorganized Workers Social Security Board is enrolling domestic workers and ten other categories, including Hamalis, Rag Pickers, Tailors, Mechanics, Washer Men, Barbers, Gold Smiths, Iron Smiths, Potters, and Kiln Workers, as unorganized workers. Identity cards are provided to individuals in these registered categories.
• The card itself doesn't entail any benefits; it solely serves as an identity card.
• The following schemes 

Benefits	Amount (Rs.)	Frequency	Applies to	Timeline for submission
Smart Card		one-time	Worker
Old age pension	600-1000	Monthly	Old age
Widow pension	200	Monthly	Widow
Thayi card
Bhagyalakshmi
Food grains via PDS
Disability pension	400-1200 based on disability %	Monthly	Disabled Individuals
Medical
Sampatti Card

Ambedkar Labor Help Hand Scheme

What is Ambedkar Labor Help Hand Scheme?

The Karnataka State Government currently recognises workers in 43 sectors as unorganized workers and Karnataka State Unorganized Workers Social Security Council is implementating the "Ambedkar Karmika Sahay Hasta Yojana". The follwing programmes have been undertaken under the said scheme. 

What are the schemes under Ambedkar Karmika Sahay Hasta Yojana?

1. Smart Card Facility
2. Shram Samana and Speacial Award

 

Various schemes on CSOs collaborating with Domestic workers

In Bangalore, two Civil Society Organizations (CSOs), namely Mitr Sanketa and the Foundation for Educational Innovations in Asia (FEDINA), are working in partnership with domestic workers to enable their participation in different schemes.

Central and state schemes aimed at providing benefits to this group of domestic workers are presented here, along with a focus on highlighting the challenges and issues faced by these workers in their efforts to access these schemes.

 

 

Scheme 1.1- Pension (Old age)

What is old age pension?

The scheme "Indira Gandhi National Old Age Pension Scheme (IGNOAPS)" is one of the five sub-schemes of the National Social Assistance Programme (NSAP). Under IGNOAPS, citizens living Below Poverty Line and 60 years or above in age are eligible to apply. A monthly pension of Rs 600 - Rs 1000 depending upon the state share of the pension. The NSAP at present includes five sub-schemes as its components:

1. Indira Gandhi National Old Age Pension Scheme (IGNOAPS)
   
2. Indira Gandhi National Widow Pension Scheme (IGNWPS)
   
3. Indira Gandhi National Disability Pension Scheme (IGNDPS)

What is the eligibility criteria for accessing benefits from the old age pension scheme?

1. The applicant should be a citizen of India.
   
2. The applicant should be living Below Poverty Line.
   
3. The applicant should be at least 60 years of age.

Key aspects related to Old age pension

Benefits	Amount (Rs.)	Frequency	Applies to	Contribution by worker (Rs.)	Time specified (days)	Time taken (days)	Fee specified (Rs.)	Money spent (Rs.)	Timeline for submission
Old age pension	A monthly pension of Rs 600 - Rs 1000 depending upon the state share of the pension	Monthly	Old age	-

What type of documents required for application?

1. Duly filled and self-attested Application Form (proforma given the annexures of the scheme guidelines).
   
2. Domicile Certificate                                                                                                  
   
3. Residential Proof (Voter card/ Electricity Bill/Aadhar Card)                                                    
   
4. Age Proof (Birth Certificate issued by the School last attended or Municipal authority or SHO or through Medical Board) 
5. Aadhar Number                                                                                            
   
6. Bank Passbook                                                                                                                
   
7. Ration Card                                                                                                                        
   
8. Affidavit duly attested by Judicial Magistrate/Executive Magistrate that she/he is not in receipt of any pension/ financial assistance from any other source

What is the procedure to apply?

Why do domestic workers often fail to receive the pension?

Domestic workers frequently face challenges in obtaining pensions for several reasons:

On-gorund implementation issues:

1. Stringent Approval Criteria: Inspectors may disapprove pension applications if they perceive the applicant's living conditions as relatively comfortable, such as having a well-built house or the presence of a television or children.
2. Bribery Practices: Inspectors allegedly demand bribes, creating an additional barrier for domestic workers to access pension benefits.
3. Cancellation of Cards: There are reported instances where BPL (Below Poverty Line) and OAPS (Old Age Pension Scheme) cards are canceled, particularly for individuals aged 80 and above, impacting their eligibility for pension benefits.
4. Family Composition Criteria: Some pension schemes, such as the Old Age Pension Scheme, may have specific criteria related to family composition, including the presence of a son above 18 years of age. This condition can disqualify applicants.

Lack of supporting documents-

1. Age Discrepancies and Illiteracy: Illiteracy among senior citizens often results in discrepancies in age, name, and address across various documents, potentially leading to the rejection of pension applications.

Policy design issues

1. Non-Automatic Transition in Pension: In certain cases, the transition to an increased pension amount at a specific age may not be automatic, requiring additional steps for eligibility.
2. Post-Covid Removals: Following the COVID-19 pandemic, there have been instances where the department removed individuals aged 80 and above from pension lists, assuming they had passed away due to COVID-19. This erroneous assumption further hinders eligible individuals from accessing pension benefits.

These multifaceted challenges, including restrictive approval criteria, bribery practices, family composition requirements, and bureaucratic errors, collectively contribute to the difficulties that domestic workers often encounter in securing pensions.

Scheme 1.2- Pension (Widow pension)

What is widow pension?

The scheme "Indira Gandhi National Widow Pension Scheme (IGNWPS)" is one of the five sub-schemes of the National Social Assistance Programme (NSAP). Under IGNWPS, widows living Below Poverty Line, aged between 40 to 59 years, are eligible to apply. A monthly pension of ₹ 200 is provided to the beneficiary.

What is the eligibility criteria for accessing benefits from the widow pension scheme?

Key aspects related to widow pension

What type of documents required for application?

What is the procedure to apply?

Why do domestic workers often fail to receive the pension?

Domestic workers frequently face challenges in obtaining pensions for several reasons:

On-ground implementation

1. The process becomes notably challenging if the death does not occur in Bengaluru.
2. Multiple certificates and affidavits are required from the Taluk office to navigate the administrative procedures.
3. These documents likely include proof of the death's legitimacy, establishing the identity of the deceased, and fulfilling other administrative requirements.
4. Obtaining a death certificate is a crucial step, serving as a legal document confirming the occurrence of death.
5. Affidavits may be necessary to verify specific details related to the deceased individual.
6. The need for various documentation and administrative steps, particularly when the death occurs outside Bengaluru, contributes to a more complex and time-consuming process.
7. This complexity can result in delays in accessing pension benefits or settling affairs related to the deceased.
8. The additional bureaucratic layers add to the emotional and logistical challenges faced by individuals dealing with the aftermath of a death.

Scheme 1.3- Pension (Disability pension)

 

What is disability pension?

Individuals with disabilities, known as Divyangjan, are eligible for a pension of Rs. 300 per month if their age falls between 18 and 79 years. For those aged 80 years and above, the pension amount is increased to Rs. 500 per month. Karnataka holds the distinction of being the pioneer state to provide a monthly maintenance allowance of Rs. 400 to four lakh persons with disabilities. Additionally, individuals with a disability percentage of 75% or higher receive a monthly payment of Rs. 1200.

What is the eligibility criteria for accessing benefits from the disabilty scheme?

The eligibility criteria for a disabled person to avail the benefits are as follows.

Key aspects related to disability pension

What type of documents required for application?

What is the procedure to apply?

Online

• One can download UMANG App or visit website https://web.umang.gov.in/web_new/home
•  The citizen can login using mobile number and OTP.
• Once logged In, citizen can search for NSAP.
• Click on “Apply Online”Fill the basic details, choose the mode of payment of pension, upload photo and click on “Submit”.

Offline

• Individuals can submit completely filled applications to the Gram Panchayat / Block Office in the rural area and the Municipality / Municipal Council in the urban area, as per eligibility.
• A Verification Officer or Verification Team under an authorized officer verifies the applications with reference to facts related to eligibility
• The Verification Officer make the necessary recommendation for sanction or rejection with reasons.The list of applicants with the recommendations of the Verifying Authority is discussed in the Gram Sabha in rural areas or Ward Sabha / Area Sabha as designated by the State Government in urban areas and thereafter in the Gram Panchayats and Municipalities.
• If the time limits are not adhered to by Gram Sabha / Ward Sabhas, Gram Panchayats / Municipalities the Verification Officer directly submits his recommendations to the Sanctioning Authority under intimation to the Gram Panchayat / Municipality.
• After receipt of applications which are verified and recommended by the Gram Sabha / Ward Committee / Area Sabha, the Sanctioning Authority convey approval to the applicant in the form of a Sanction Order with a copy to Gram Panchayat / Municipality concerned.
• The Sanctioning Authority issues Sanction Order under his sealEvery beneficiary who has been sanctioned pension under schemes of NSAP are issued a Pension Passbook. The Passbook contain details of the Sanction Order, particulars of the pensioner and disbursement details
• The list of beneficiaries to whom sanctions are issued is displayed at the Gram Panchayat / Ward / Municipal Office and updated every three months. The Pension amount is directly paid to the beneficiaries through the Direct Benefit Transfer (DBT) process to their post office or bank account.

Why do domestic workers often fail to receive the pension?

The application process for disability benefits requires individuals to go through multiple steps, creating a complicated and challenging procedure, particularly for physically challenged persons who may find it difficult to navigate various departments. The detailed process involves the following steps:

On-ground implementation

1. Hospital Visit: The first step requires individuals to visit a hospital to initiate the application process for the Unique Disability Identification (UDID) card. This involves medical assessments to determine the extent of disability.
2. Department of Women and Child Development (DWCD): After obtaining the disability certificate from the hospital, the next step involves domestic worker (woman) visiting the Department of Women and Child Development (DWCD) for further processing. This department likely handles aspects related to disability benefits and support.
3. Taluk Office Visit: Subsequently, individuals are required to visit the Taluk office, presumably for additional verification and formalities related to disability certification and benefits.

 

 

 

 

Scheme 2: Thayi Bhagya Scheme

What is Thayi Bhagya Scheme?

The Karnataka Thayi Bhagya Scheme, specifically targets pregnant women and lactating mothers in the state. It's aim to provide essential, cost-free medical treatment to pregnant women. Under this initiative, the government offers cashless pre and post-delivery services, allowing beneficiaries to access treatment in government or empanelled private medical hospitals without financial burden. Eligibility is limited to women belonging to Below Poverty Line (BPL), Schedule Caste (SCs), and Schedule Tribe (STs) Category. The benefits encompass free delivery in private or government hospitals, cashless pre and post-pregnancy treatment, free transportation, checkups, and medicines. This scheme plays a crucial role in ensuring that economically disadvantaged women receive quality healthcare during pregnancy. The assistance covers the first two deliveries, and the government allocates Rs. 3,000 per delivery to private hospitals and Rs. 1,500 per delivery to government hospitals for treatment. The range of covered deliveries includes Cesarean, complicated, normal, and forceps deliveries. 

Key aspects related to Thayi Bhagya Scheme

Benefits	Amount (Rs.)	Frequency	Applies to	Contribution by worker (Rs.)	Time specified (days)	Time taken (days)	Fee specified (Rs.)	Money spent (Rs.)	Timeline for submission
Thayi Bhagya Scheme		for two live births	Women	-

What is the eligibility criteria for accessing benefits from the Thayi Bhagya scheme?

• The candidate women must be residents of Karnataka government.
• The benefit is limited to the first two deliveries.
• Women belongs to BPL Category.
• Women belongs to Schedule Caste/ Tribe Category.

Exclusions
Pregnant women are not belongs to BPL Family are not allowed to apply to the scheme.

What type of documents required for application?

• Residence Proof of Karnataka.
  
• BPL Card or Ration Card.
  
• Caste Certificate.
  
• Aadhar Card.
  
• ANC Registration Number with noting whether it is first or second delivery. 
  
• Mobile Number.

How to Apply

• The only way to apply for Karnataka Thayi Bhagya Scheme is through ASHA Worker or Junior Female Health Officer.
• Eligible Beneficiary can meet the ASHA Worker or Junior Female Health Officer of her area to register herself.
• ASHA Worker or Junior Family Health Officer will registered the pregnant women and issue the ANC Card to her.
• Pregnant Women can avail the benefits by showing her ANC card in the empanelled private or government hospital.
• Candidate applicants can contact the Head office from where the scheme is operated. Email: prs-hfw@karnataka.gov.in

Important Links

Karnataka Department of Women and Child Development Portal.
Karnataka Thayi Bhagya Scheme Guidelines.

Why do domestic workers often fail to get benefits of Thayi Bhagya Scheme?

On-ground Implementation issue:

• Changes in residential addresses within Bengaluru following marriage pose a practical challenge in updating Aadhaar information.

Policy design issue:

• The policy design presents a complication where abortions are considered as live births, subject to the two-live-birth limit.

Scheme 3: Bhagyalaxmi Scheme

What is Bhagyalaxmi scheme for girl child?

The Karnataka state government will give female children financial aid under the Karnataka Bhagya Lakshmi Scheme. The payment of this support is to be made through the mother, father, or legal guardian provided that all requirements are met. 

What is the eligibility criteria for accessing benefits from the Bhagyalaxmi scheme?

The Karnataka Bhagya Lakshmi Scheme, initiated by the state government, aims to provide financial assistance to female children. The disbursement of this assistance is to be facilitated through the mother, father, or legal guardian, subject to meeting specified criteria. The scheme is designed with objectives such as encouraging the birth of girl children in families below the poverty line, enhancing the societal status of the girl child, promoting the birth of girls in economically disadvantaged households, and elevating their standing within both the family and the broader community. The financial support is allocated to the girl child. 

Key aspects related to Bhagyalaxmi scheme

Benefits	Amount (Rs.)	Frequency	Applies to	Contribution by worker (Rs.)	Time specified (days)	Time taken (days)	Fee specified (Rs.)	Money spent (Rs.)	Timeline for submission
Bhagyalaxmi scheme	Annual scholarship started from Rs. 300 to Rs. 1000		Girl child	-					Within one year of birth

The annual scholarship amount for Bhagya Laxmi Scheme is given in the table below:

• A scholarship of Rs.300 per annum for girls in classes 1st to 3rdA scholarship of Rs.500 per annum for girls in classes 4th
• A scholarship of Rs.600 per annum for girls in classes 5th
• A scholarship of Rs.700 per annum for girls in classes 6th and 7th
• A scholarship of Rs.800 per annum for girls in classes 8th
• A scholarship of Rs.1,000 per annum for girls in classes 9th and 10th
  
• Apart from these benefits, the parents have got Rs. 1 lakh in case of an accident and Rs. 42,500 for the natural death of the beneficiary. At the end of 18 years, the beneficiary would be paid Rs.34, 751.

What type of documents required for application?

• List of the required documents
  Application form of the Bhagya Laxmi Scheme.Certified copy of the birth certificate of the girl child.
• Income details of the parents.
• Address proof of the parents of the girl child.
• BPL Card.
• Bank details of the girl child card.
• Photograph of a child with parents.
• While registering 2nd child under the scheme, a Family Planning certificate is to be submitted along with all the above documents.
• Copy of marriage certificate/Self-declaration certificate of parents.
  

What is the procedure to apply?

Online

• First of all, go to the of official site of Bhagya Laxmi Yojana Karnataka.

  official website

  
  
• The homepage of the website will open on the screen.
• Now click on the Bhagya Laxmi Yojana Application

  form link.

• The PDF of the application form will open on the screen.
• Now, fill in the form with all the required details.
• Finally submit the form to the concerned authority.

• Aanganwadi Center
• Grampanchayat Office
• NGOs
• Authorized Banks
• Municipal Corporations

Why do domestic workers often fail to receive the bhagyalaxmi scheme?

On-ground Implementation issue:

• Changes in residential addresses within Bengaluru following marriage pose a practical challenge in updating Aadhaar information.
• Bothe the parents should have same local address in the adhaar. 

 

Scheme 4: Sandhya Suraksha Yojana

What is Sandhya Suraksha Yojana?

The Karnataka state government has initiated the Sandhya Suraksha Yojana to provide financial assistance to senior citizens in the state. The Sandhya Suraksha Yojana Scheme offers monthly pensions to eligible senior citizens. Under the Sandhya Suraksha Yojana Scheme, the government will provide beneficiaries with medical facilities through non-governmental organizations. Eligible beneficiaries will receive a monthly pension of 400 rupees from the state government. Individuals using KSRTC for travel may also be eligible for discounted bus transportation. Additionally, the scheme includes Day Care Centers to support senior citizens in need.

Key aspects related to Old age pension

Benefits	Amount (Rs.)	Frequency	Applies to	Contribution by worker (Rs.)	Time specified (days)	Time taken (days)	Fee specified (Rs.)	Money spent (Rs.)	Timeline for submission
Sandhya Suraksha Yojana	A monthly pension of 1,200	Monthly	Old age	-

What is the eligibility criteria for accessing benefits from the Sandhya Suraksha Yojana?

Applicants applying under this scheme are required to fulfill the following eligibility criteria:

• The applicant should be 65 years of age or older.
  
• The applicant must be a permanent resident of Karnataka.
  
• The applicant's income should be less than 20,000 rupees per month.
  
• The applicant should from Below Poverty Line (BPL)
• The deposited amount in the bank should not exceed 10,000 rupees.
  
• This pension scheme is primarily designed for weavers, farmers, fishermen, and other unorganized sectors.

What type of documents required for application?

The following documents need to be submitted during the registration for the scheme:

How to Apply

Why do domestic workers often fail to get benefits of Sandhya Suraksha Scheme?

Whats the difference between Indira Gandhi Old Age Pension Scheme and Sandhya Suraksha Yojana?

 The Karnataka state-specific pension, known as Sandhya Suraksha, is applicable from the age of 65. However, there is no restriction concerning the presence of an 18+ male member in the family. This implies that even if there is an adult male aged 18 or older in the family, the elderly individuals in the family will still be eligible to receive the pension.

Scheme 5: Pradhan Mantri Garib Kalyan Anna Yojana

What is Pradhan Mantri Garib Kalyan Anna Yojana scheme?

The Pradhan Mantri Garib Kalyan Anna Yojana (PM-GKAY) is a component of the Atmanirbhar Bharat initiative aimed at distributing free food grains to migrants and impoverished individuals. Under this initiative, the government supplies 5kg of free food grains monthly to those in need, complementing the subsidized ration (priced at Rs 2-3 per kg) provided under the National Food Security Act (NFSA) to eligible families covered by the Public Distribution System (PDS). The quantity and type of food grains may vary.

Key aspects related to Old age pension

Benefits	Entitlement	Frequency	Applies to	Contribution by worker (Rs.)	Time specified (days)	Time taken (days)	Fee specified (Rs.)	Money spent (Rs.)	Timeline for submission
Pradhan Mantri Garib Kalyan Anna Yojana	Monthly supply of 5kg of free food grains	Monthly	Household	-

What are the benefits of Pradhan Mantri Garib Kalyan Anna Yojana scheme?

Under the PM Garib Kalyan Anna Yojana (PMGKAY), each family with a ration card receives 5 kg of food grains at no cost, in addition to the 5 kg of subsidized food grains already available through the Public Distribution System (PDS). Wheat has been distributed to six States/Union Territories, namely Punjab, Haryana, Rajasthan, Chandigarh, Delhi, and Gujarat, while rice has been allocated to the remaining States/Union Territories.

What is the eligibility criteria for accessing benefits from the Pradhan Mantri Garib Kalyan Anna Yojana?

• Families belonging to Antyodaya Anna Yojana (AAY) and Priority Households (PHH) categories will be eligible for the scheme.
  
• PHH are to be identified by State Governments/Union Territory Administrations as per criteria evolved by them. AAY families are to be identified by States/UTs as per the criteria prescribed by the Central Government:
  Households headed by widows or terminally ill persons or disabled persons or persons aged 60 years or more with no assured means of subsistence or societal support.
  
• Widows or terminally ill persons or disabled persons or persons aged 60 years or more or single women or single men with no family or societal support or assured means of subsistence.
  
• All primitive tribal households.
  
• Landless agriculture labourers, marginal farmers, rural artisans/craftsmen such as potters, tanners, weavers, blacksmiths, carpenters, slum dwellers, and persons earning their livelihood on daily basis in the informal sector like porters, coolies, rickshaw pullers, hand cart pullers, fruit and flower sellers, snake charmers, rag pickers, cobblers, destitutes  and other similar categories in both rural and urban areas.
  
• All eligible Below Poverty Line families of HIV positive persons

What is the procedure to apply?

Offline

• Interested person shall visit nearest Fair Price Shop with Ration Card
• Beneficiaries can quote either their ration card number or the Aadhaar number to any Fair Price Shop dealer across the country.
• Beneficiaries can undergo Aadhaar authentication by using their fingerprints or iris-based identification.

What type of documents required for application?

• Ration Card
  
• Aadhar Card (if seeded with Ration Card)

Why do domestic workers often fail to receive the benefits of Pradhan Mantri Garib Kalyan Anna Yojana?

On-ground implementation issue:

• Frequently, individuals encounter a situation where they receive only half of their eligible entitlement

Scheme 6: Ayushman Bharath-Arogya Karnataka/ Pradhana Manthri Jan Arogya Yojana

What is Arogya Karnataka scheme?

The aim of the initiative is to expand 'Universal Health Coverage' to encompass all residents in the state of Karnataka. Under this newly introduced scheme, a comprehensive range of healthcare benefits, including primary healthcare and specified secondary and tertiary healthcare services, will be provided. This scheme consolidates various existing health programs such as Vajpayee Arogyashree, Yeshaswini Scheme, Rajiv Arogya Bhagya Scheme, Rashtriya Swasthya Bima Yojana (RSBY) including RSBY for senior citizens, Rashtriya Bala Swasthaya Karyakram (RBSK), Mukhyamantri Santwana Harish Scheme, Indira Suraksha Yojane, Cochlear Implant Scheme, and others. All these programs will be integrated into the new Arogya Karnataka Scheme.

What is the eligibility criteria for accessing benefits from the Arogya Karnataka scheme?

• Eligible Patient: A patient who is a resident of Karnataka State and belongs to “Eligible Household” as defined under the National Food Security Act, 2013;
• General Patient: A patient who is a resident of Karnataka State but does not come under the definition of “Eligible Household” as defined under the National Food Security Act, 2013, or does not produce the eligible household card. The treatment cost will be on co-payment basis."

What are the documents required for application?

• In order to get enrolled into Arogya Karnataka Scheme beneficiaries should carry Aadhar card and ration card.
• In case Aadhar card is not available, ration card is mandatory to avail the scheme benefits.

What is the process of application?

• Patient Enrollment
  • For accessing the scheme benefits, the beneficiaries have to be enrolled in the “Arogya Karnataka” system. A patient needs to be enrolled at a PHI only once.
  • When a patient approaches a PHI for the treatment, the enrollment staff of the PHI will be enrolling the patient on the enrollment portal developed for “Arogya Karnataka” and generate a unique ID called “ArKID”.
  • The enrollment is based on a person’s Aadhar Card number.
  • The patient’s biometric impression is captured on a biometric device and authenticated with CIDR Aadhar Server. The E-KYC details will be auto populated.
    
• Patient Entitlement under the Scheme
  • The PDS card decides the entitlement of the patient and is authenticated via a web service, with the stored PDS details in the Food and Civil Service Database to determine whether the beneficiary belongs to “Eligible Category” or not, as per the norms defined under the National Food Security Act 2013. Accordingly He will be categorized as ‘Eligible Patient”.
  • If a beneficiary is not from the “Eligible category” as per the FSA or if the beneficiary does not have a PDS card, he or she will be automatically enrolled as a “General Patient”.
  • Once the E-KYC form is filled and the beneficiary categorization is completed, the beneficiary will become registered under the Scheme and will be given a unique scheme ID “ArKID”number. The generated unique ID number printed on a card will be provided on a payment of Rs.10/- only for the first time to the successfully enrolled beneficiary. For reprinting the card on request of the enrolled beneficiary in case he has lost the card he will be given another card at a cost of Rs.20/- only.
• ArKID
  • The unique ArKID will be the PDS card Number with a separator (-) and a sequential number for each member of the family that approaches a PHI for service and seeks to get enrolled.

  • The UHC Card provided will contain Photo, Name, Unique Scheme ID and Basic Details of the Beneficiary. An SMS alert will also be sent to the Enrolled Patient to his mobile number wherever the mobile number has been shared with the registration personnel.

  • Once the Scheme card is generated the patient can access the treatment under the “Arogya Karnataka” scheme.

    The beneficiary will not be required to carry his Adhaar card or Food card the next time he visits the hospital for treatment. He will be serviced based on the Arogya Karnataka card.

Why do domestic workers often fail to get benefits of Arogya Karnataka scheme?

On ground implementation issue:

• Challenges in Claim Settlement:
  For workers to have their claims settled, it is imperative to seek treatment only at hospitals empanelled under the Ayushman Bharat scheme.
• Geographical Restrictions in Login ID Distribution:
  Providing login IDs is limited to specific areas like BLR one, grama one, requiring intermediaries such as CSCs or BLR one for broader e-shram registration.

Policy design

• Mandatory Documentation: To avail of benefits, possession of both a Below Poverty Line (BPL) certificate and an income certificate is mandatory.
• Enrollment Hurdles for Migrant Family Members: Enrolling each family member mandates their simultaneous presence, posing challenges for those engaged in work-related migration.
• Biometric Issues for Laborers: Mandatory biometric enrollment for laborers can be problematic due to physical strain from hard labor, leading to potential mismatches.
• Income Certification Challenges: The income criterion of 1.8 to 2 lakhs introduces obstacles, with local agents charging Rs. 2000 for obtaining a valid income certificate from a ward member.

Adhar Authentication issues

• Authentication Hurdles with OTP:
  Authentication challenges arise with OTP, as Aadhar verification is necessary for login IDs, adding an extra layer of complexity.

Lack of trust and awareness among labourers

• Income Certificate Renewal: The income certificate requires periodic review, necessitating a renewal every three years.

Documentation

• Consistency in Personal Information: Ensuring uniformity, the name on the BPL card and the Aadhar card of an individual must match precisely in both documents.

 

Waste pickers

Waste pickers, individuals engaged in the collection of recyclable materials from waste streams, confront a myriad of challenges that span health hazards, economic instability, social stigma, legal recognition issues, education limitations, environmental concerns, exploitation, and inadequate social security and health benefits. Health Hazards: One pressing issue faced by waste pickers is the daily exposure to health hazards. Due to the lack of proper protective gear and constant exposure to hazardous materials, waste pickers are vulnerable to injuries, infections, and respiratory problems. This significantly impacts their overall well-being and poses a constant threat to their health. Economic Instability: Economic challenges form another prominent aspect of their struggle. Waste pickers typically earn modest incomes, and the informal nature of their work adds to the instability of their livelihoods. Fluctuating prices of recyclables further contribute to their economic vulnerability, making financial sustainability a constant concern. Social Stigma and Marginalization: Social stigma and marginalization pose additional hurdles. The work of waste pickers is often stigmatized, leading to social discrimination and exclusion. This lack of recognition for their valuable contributions to waste management perpetuates a cycle of marginalization, hindering their integration into broader societal frameworks. Legal Recognition Issues: The absence of legal recognition and rights is a systemic issue faced by waste pickers. Many operate within the informal sector, lacking the legal protection and acknowledgment necessary to assert their rights. This further complicates their efforts to access social security benefits and secure their well-being. Education Limitations: Education and skill development limitations add to the challenges, particularly for the children of waste pickers. Barriers to education and limited opportunities for skill enhancement impede their ability to break free from the cycle of poverty and explore alternative livelihoods. Environmental and Safety Concerns: Environmental and safety concerns constitute another layer of difficulty. Working in environments with potential safety hazards, including exposure to toxins and accidents, waste pickers lack the necessary safety measures and infrastructure to mitigate these risks effectively. Exploitation and Economic Hardships: Exploitation by middlemen exacerbates economic hardships. Many waste pickers sell their collected materials to middlemen at suboptimal prices, contributing to their economic exploitation. The absence of direct access to recycling facilities perpetuates this dependency and hinders their potential for economic empowerment. Inadequate Social Security and Health Benefits: Inadequate social security and health benefits are overarching issues. Waste pickers often lack access to essential benefits such as health insurance and proper healthcare, leaving them financially vulnerable in the face of illness or accidents.

Key Challenges in Accessing Schemes by Waste pickers

In Bangalore, it has been observed that migrants constitute approximately 60% of the total waste pickers, with a noteworthy 90% of these migrants belonging to the Muslim community. A significant proportion of migrant waste pickers are categorized as 'transitory' waste pickers, indicating that they initially engage in waste picking as their primary vocation and subsequently transition to other fields such as construction, metro-related work, or employment as security guards. This trend highlights the dynamic and evolving nature of the waste picker population, illustrating their movement across various sectors over time. The discussions with our partners have provided valuable context and understanding of the demographic composition and occupational trajectories of waste pickers in the Bangalore region.

Waste pickers face a notable limitation in terms of entitlements and available schemes. When migrating to cities, waste pickers typically carry only basic documentation such as Aadhar cards, bank account details, and voter IDs. These essential documents serve as their primary identification and verification tools. However, the challenge lies in the limited awareness among waste pickers regarding the various entitlements and benefits they are eligible for. Due to this lack of awareness, waste pickers may not fully access the available schemes and entitlements that could significantly contribute to their well-being.

Waste Picker Cards: Currently, no new cards are being issued, with the last batch of 10,000 cards distributed in Bangalore around 2012, which are now obsolete. However, the Center for Development (CfD) has provided ID cards to waste pickers, featuring their addresses. This initiative has resulted in increased income, facilitated access to factories, and reduced instances of harassment.

Garment sector workers

In Bangalore's garment industry, where women make up the majority of the workforce, there are numerous challenges. Over the past 5-10 years, a big chunk of these garment workers, about 75%, comes from Odisha, Jharkhand, and Chhattisgarh, according to Fedina, one of our partners. Shockingly, fifty to sixty percent of these workers are the sole earners in their families. These workers face a range of problems, with low wages being a major issue, often making it tough to cover basic living expenses. Working long hours adds to their fatigue and health concerns, and the uncertainty of contract-based jobs only makes things harder. Safety worries, like poor ventilation and lighting, add to their challenges. Getting important social security benefits, like health insurance and provident funds, is still a struggle for many in this workforce. Some workers face mistreatment, both verbally and physically, but fear of losing their jobs makes reporting such incidents difficult. Limited chances for skill development also hinder career growth within the garment sector. Female workers face additional challenges, dealing with gender-based discrimination and harassment. With few unions around, there's not enough collective support for better rights and conditions. Traveling to work can be tough, especially for those relying on irregular or unsafe public transportation. Language differences, especially for migrant workers, make it hard for them to communicate effectively with employers. Solving these issues needs a team effort involving employers, government authorities, and advocacy groups. This collaborative approach is vital to ensuring the well-being, rights, and improved working conditions for garment industry workers in Bangalore.

Key Challenges in Accessing Schemes by Garment Sector Workers

Garment Sector Underrepresentation: Unveiling the Disparity

• CIVIDEP, a partner organization, sheds light on the significant issue of the underrepresentation of garment sector workers in the broader workers' database. While official government records indicate a count of 90,000 workers in the sector, the stark reality reveals over 1,500 factories employing a minimum of 5,000 garment workers. In the bustling city of Bangalore alone, the garment industry sustains around 4 lakh workers, with a notable 85% comprising women. This glaring underrepresentation not only signifies a substantial workforce but also raises concerns about the accessibility of welfare schemes and the lack of adequate advocacy for the rights and well-being of these vital contributors to the sector.

ESI Accessibility Challenges:

• Garment industry employees encounter hurdles with the Employees' State Insurance (ESI) scheme. Limited benefits and accessibility issues are notable concerns. Obtaining leave for ESI hospital visits is difficult due to stringent work conditions and production targets, hindering workers from utilizing ESI benefits fully.

Challenges in Provident Fund (PF) and Gratuity Processes for Garment Workers:

• Understanding and accessing Provident Fund (PF) and gratuity can be tricky for garment workers, especially when they change jobs between different companies. The problem arises because these job shifts disrupt the smooth process of receiving PF and gratuity benefits. 

• To complicate matters further, some factories play a tricky game. When the time for gratuity is approaching, they might ask workers to resign and rejoin. Why? It's a way for the factories to avoid paying the gratuity they owe. This not only adds confusion to the process but also highlights how workers face challenges in securing their rightful financial benefits when changing jobs in the garment industry.

Casual Leave Restrictions:

• Despite being entitled to a weekly off, garment sector workers face restrictions on availing casual leaves. Stringent policies around casual leaves limit flexibility, impacting work-life balance and overall well-being.

Vulnerability of Pregnant Workers:

• Pregnant women in the garment industry encounter vulnerability to workplace pressures, including coercion to resign. The absence of supportive policies contributes to job insecurity, adversely affecting the overall welfare of women in the sector.

Decade-Long Stagnation and Inadequate Compensation

• The remuneration structure for garment sector workers presents a persistent challenge, with the minimum pay stagnating for over a decade. Despite dedicating 10-15 years to the industry, workers find themselves earning a meager Rs 10,000 per month. This lack of upward revision in wages not only hampers financial stability but also reflects a broader issue of insufficient compensation for the expertise and experience these workers bring to the sector. Such challenges in pay significantly impact the quality of life for garment industry workers, making it difficult for them to meet basic living expenses and hindering their socio-economic progress.

Unpaid Overtime and High Production Pressure:

• Garment industry workers typically endure an 8-hour shift, but the challenges extend beyond the standard workday. The demand for meeting production targets often leads to unpaid overtime work, with employees compelled to rectify 'mistakes' in the manufacturing process. This expectation of extended working hours not only places a burden on the physical well-being of the workers but also contributes to heightened levels of fatigue and stress. Additionally, the emphasis on meeting production quotas can foster a high-pressure work environment, impacting the overall cohesion among workers. This creates a challenging dynamic where individuals are pushed to work beyond regular hours without adequate compensation, affecting both their personal lives and job satisfaction.

Duality in Formal Classification: Informality Challenges Faced by Garment Sector Workers

While garment sector workers are officially classified as part of the "Formal Sector," their working conditions and practices often mirror those found in the informal sector. Despite the formal classification, several aspects contribute to the similarity with the informal sector:

• Low Wages: Garment sector workers, despite being in the formal sector, frequently face low wages that may not align with the industry's demands and the cost of living.
• Job Insecurity: Contractual employment is prevalent, leading to job insecurity. Workers may not have long-term job stability, and layoffs or terminations can occur without proper job protection.
• Lack of Unionization: In many cases, garment sector workers lack strong unions within the factories. This absence of collective bargaining power limits their ability to advocate for improved working conditions and rights.
• Exploitative Practices: Instances of verbal and physical abuse, exploitative work practices, and inadequate safety measures are reported, reflecting conditions often associated with the informal sector.
• Limited Social Security Benefits: Access to social security benefits, such as health insurance, provident funds, and other formal employment perks, may be restricted or insufficient for many workers.
• Informal Work Arrangements: Some garment workers face informal work arrangements, where verbal agreements and understanding rather than written contracts dictate terms of employment.

In essence, despite the formal classification, the challenges and practices experienced by garment sector workers often align more closely with those in the informal sector. This duality reflects the complexities and shortcomings within the formalization of certain industries

CSO's role in facilitating access to schemes

Contributions of CSOs in Facilitating Access to Schemes:

• Workers Resource Centre: Providing essential support to help workers access various schemes.
• Establishing four unions to amplify workers' voices in Mysore Road, Piniya, Kamakshi Palaya.
• Women Leaders at Factory and Domestic Levels: Empowering women leaders to articulate and address their concerns effectively.
• Creating awareness about labor rights and offering substantial expertise through Munnaday, Jan Sahas, Samapark, CFAR Labour Line:
• Engaging in research and advocacy initiatives to champion the cause of workers' rights.

Street vendors

Street vendors encounter a myriad of challenges in their daily endeavors, ranging from economic hardships to regulatory issues. One prominent issue revolves around the economic vulnerabilities faced by street vendors. The informal nature of their businesses often translates to modest incomes, leaving them financially precarious. Fluctuations in sales, weather conditions, and the lack of access to formal financial services further contribute to their economic challenges. Regulatory hurdles pose another significant challenge for street vendors. Many operate without proper licenses due to complex and restrictive licensing processes, making them susceptible to harassment and eviction by authorities. The absence of designated vending zones or the arbitrary allocation of such spaces exacerbates their vulnerability to legal issues. Social stigma and marginalization are additional layers of difficulty faced by street vendors. Their work is often stigmatized, leading to social discrimination and exclusion. The lack of recognition for their contribution to the local economy perpetuates a cycle of marginalization, hindering their integration into mainstream societal structures. Inadequate infrastructure and facilities further compound the challenges. Street vendors often lack access to basic amenities such as clean water, sanitation facilities, and waste disposal systems. The absence of proper infrastructure not only impacts their quality of life but also hinders their ability to conduct their businesses efficiently. The ever-present threat of eviction adds a constant sense of insecurity for street vendors. Being vulnerable to sudden eviction disrupts their businesses, leading to financial losses and increased uncertainty about their future livelihoods.

Key Challenges in Accessing Schemes by Street Vendors

Challenges in Obtaining Street Vendor Identity Cards:

Obtaining identity cards for street vendors poses significant challenges across India. Out of approximately 1 crore street vendors nationwide, only a fraction have received official cards. The absence of comprehensive surveys conducted by Urban Local Bodies (ULBs) further exacerbates this issue, as many street vendors are unable to obtain cards due to the lack of proper documentation.

• In Bangalore, specifically within the 8 wards, 64 street vendor leaders are yet to receive their identification cards. This delay may stem from the resistance new migrants face from existing vendors, creating hurdles in the application process.
• Several common reasons contribute to the rejection of card applications.
  • Duplicate cards, particularly when vendors are allocated 40% of seats on Town Vending Committees, can lead to complications.
  • Technical issues arise with GPS-based location surveys, as many vendors do not have fixed spots, making it challenging to determine their precise locations.
  • Additionally, migrants who temporarily return to their villages, for instance, for a wedding, and then come back after a few months may face difficulties in the application process.
  • These challenges in the card application process underscore the need for streamlined procedures and increased inclusivity to ensure that all street vendors can access the necessary identification for their businesses.

Challenges in Accessing PM Svanidhi Loan

Accessing the PM Svanidhi Loan, designed to support street vendors, comes with several challenges that affect its uptake among the intended beneficiaries.

• Proof of Work Difficulties:
  Small vendors, particularly those who operate on a buy-on-credit and sell-repay model, find it challenging to provide proof of their type of work. Lack of bills or formal documentation for these transactions poses a significant hurdle in meeting the eligibility criteria for the loan.
• Non-Mandatory Street Vendors Card in Certain Regions:
  The requirement for a street vendor identity card is not mandatory for obtaining the Svanidhi loan in certain regions, creating ambiguity and potentially excluding those vendors who may not possess formal identification.
• Limited Interest in Bangalore:
  In Bangalore, there is observed minimal interest among vendors in availing the PM Svanidhi Loan. The relatively low loan amount (Rs 10,000) may contribute to this lack of enthusiasm among street vendors, signaling the need for adjustments in the loan structure to better meet the financial needs of this particular demographic.

 

 

Auto industry workers

The auto industry is marred by a series of challenges that significantly impact the well-being and safety of its workers. One prevalent issue revolves around the occupational hazards inherent in manufacturing processes, machinery operation, and exposure to chemicals. These hazards pose a substantial risk, contributing to a higher incidence of injuries and health problems among workers. Crush injuries are another significant concern in the auto industry. The nature of tasks often involves repetitive motions and prolonged periods of manual labor, leading to a higher prevalence of injuries affecting muscles, tendons, and nerves. Safety violations compound these issues, with some workplaces neglecting crucial safety protocols and regulations, resulting in a greater likelihood of accidents and injuries. Long working hours are a characteristic feature of the auto industry, contributing to fatigue and increased stress levels among employees. This fatigue, in turn, heightens the risk of accidents and injuries on the job. Inadequate training in safety procedures and equipment operation is another challenge, as workers may face difficulties navigating their roles without proper guidance. Work-related stress is a pervasive issue, stemming from high-pressure work environments, strict production targets, and job insecurity. Chronic stress has adverse effects on both physical and mental health. Additionally, the lack of ergonomic practices in some workplaces leads to musculoskeletal problems, emphasizing the importance of well-designed workstations and tools. Chemical exposure is a concern for workers who may come into contact with various chemicals used in manufacturing processes. Without proper protective measures, this exposure can result in health issues. Inadequate health and safety policies further contribute to the vulnerability of workers, necessitating comprehensive measures to ensure a safe working environment. Limited access to healthcare services adds another layer of complexity. Workers facing injuries on the job may encounter challenges in receiving timely medical attention and accessing rehabilitation facilities. A lack of healthcare support can hinder the recovery process and exacerbate the impact of workplace injuries on workers' overall well-being.

Key Challenges in Accessing Schemes by Auto sector workers

Obtaining Assistance After Crush Injuries:

For auto workers facing crush injuries, there are problems with identity cards. Many workers need an e-pehchan card from their employer to access benefits like ESIC/PF. If they don't have this card, they might miss out on these important benefits. Surprisingly, only 65% of workers get an ESIC card after they've been in an accident. This means a lot of workers might struggle to get the support they need after a crush injury. These challenges make a tough situation even more difficult for auto workers dealing with crush injuries.

Compensation and Salary Provisions for Injured Auto Workers:

Auto workers, constituting 90% migrants and often employed on precarious contract terms, face a heightened vulnerability in the workplace. A significant portion, 65%, are under 30 years old, highlighting the youthfulness of this workforce. Unfortunately, many of these workers experience severe injuries, with 65% having lost fingers or hands in workplace accidents. This alarming trend isn't isolated but affects several thousand workers nationwide annually, particularly in smaller factories. In terms of compensation, the pay scale for auto workers ranges from INR 10,000 to INR 15,000. Importantly, when injuries occur, a provision exists to cover salary loss during the treatment period, with a substantial 90% of the total salary being provided. These compensation and salary provisions are crucial for addressing the economic impact on injured auto workers and ensuring their financial stability during recovery.

Challenges in ESI Coverage for Auto Workers:

The Employee State Insurance Corporation (ESIC) plays a crucial role in providing social security to workers, but for auto workers, several challenges exist within the ESI framework. Firstly, small workshops with fewer than 10 workers are not covered by ESIC, leaving a significant portion of the auto workforce without this essential safety net. Furthermore, only workers earning up to 21,000 are eligible for ESIC benefits, excluding those with higher salaries. While ESIC promises coverage for workplace injury, medical treatment, and disability pension from day one, the practicalities of availing these benefits pose hurdles. Services are tied to the company's registered location, requiring workers to visit the specific ESIC office linked to the company's registration area. This geographic constraint can be cumbersome for workers, especially when their workplace and the registered office are in different locations. Additionally, the turnaround time for receiving compensation under ESIC is prolonged, taking almost 2.5 years from the occurrence of an accident to the actual disbursement of compensation. This delay can create financial hardships for injured auto workers during a crucial period when they need support for medical expenses and daily living. Life certificates, a vital element of ESIC procedures, are issued from the base location where the factory is registered. This geographical constraint may pose challenges for workers who are not situated at the factory location. One significant obstacle is the extensive paperwork involved, adding complexity and potentially causing delays in the processing of claims. Unfortunately, there is a lack of awareness among laborers regarding the intricacies of the ESIC, further contributing to hurdles in navigating the system effectively. Another notable issue is the absence of nominee registration, a crucial aspect for the smooth processing of benefits. The oversight in not having a designated nominee can lead to complications in disbursing compensation and other entitlements.

Challenges in Gratuity for Workers

The realm of Provident Fund (PF) and Gratuity for workers in the auto industry is riddled with challenges, primarily concerning employers minimizing their gratuity payments. A common tactic employed by employers is pressuring laborers to rejoin the workforce instead of providing substantial gratuity amounts. This practice allows employers to evade the financial burden associated with offering significant gratuity benefits. By manipulating employees to rejoin the workforce, employers sidestep the obligation to provide adequate gratuity payments. These tactics contribute to a scenario where the rights and entitlements of workers in terms of gratuity are compromised, highlighting the need for reforms to ensure fair and just compensation for their contributions.

Challenges in the Rehabilitation of Workers Disabled by Work-Related Injuries

The process of rehabilitating workers who have become disabled due to injuries sustained at the workplace presents distinctive challenges. Addressing both the physical and logistical hurdles becomes imperative to ensure the well-being and enhance the future employability of these workers.

Schemes by life stages

Life-stage based entitlements

This chapter explores initiatives designed to provide support throughout different life stages, from birth to aging. These initiatives serve as valuable tools to assist individuals in navigating the various challenges and milestones encountered at different points in life. The carefully organized schemes aim to holistically address key aspects, ensuring a well-rounded approach. The breakdown includes:

1. Basic Registration:
   • Unveiling the significance of basic registration and the associated card(s) that play a pivotal role in the process.

2. Life Stage-Based Entitlements:

   • Maternal and child health: Introducing support mechanisms for the crucial stage of childbirth to mother and child.
   • Food & Nutrition: Ensuring access to essential nutritional support.
   • Health: Providing comprehensive healthcare benefits.
   • Education: Focusing on educational support, opportunities and learning.
   • Disability: Addressing the unique needs of individuals facing disabilities  when things get tough.
   • Death: Offering support and assistance in times of loss.
   • Housing: Facilitating access to adequate housing.

3. Livelihoods:

   • Detailing schemes targeted at livelihood aspects:
     • Unemployment/Skilling/Self-employment/Micro-credit: Offering support to enhance employability and entrepreneurial ventures.

4. Asset Acquisition:

   • Expounding on schemes facilitating the acquisition of assets:
     • Tabs/Two-wheelers (10): Providing avenues for technological and transportation empowerment

This comprehensive framework, encompassing a myriad of life stages, strives to ensure that laborers are not merely recipients of aid but active participants in their journey towards resilience, prosperity, and sustained well-being.

Basic Card

Following cards are neccesary cards labour should have to avail various entitlements across all life stafes of his and his family, including children.

Scheme Name	Weblink for more information	Purpose of scheme	State/Central	Applies to Individual/ Household
e-shram card	e-shram card	All e-Shram card holders are entitled to complimentary insurance coverage of Rs. 2 lakhs and free medical treatment up to Rs. 5 lakhs. This includes individuals such as housemaids, servants, drivers working at home, as well as salesgirls, salesboys, rickshaw pullers, and others, all of whom are covered with free insurance of Rs. 2 lakhs and free treatment up to Rs. 5 lakhs.	Central	Individual
Ambedkar Karmika Sahaya Hastha or Smart card	Ambedkar Karmika Sahaya Hastha or Smart card	Under this scheme, 11 unorganized sectors like Hamalis, Domestic Workers, Rag Pickers, Tailors, Mechanics, Washer men, Barbers, Gold Smiths, Iron Smiths, Potters and Kiln Workers are being registered under a single title and giveb a smart card. Each unorganised sector worker will receive a smart card containing a unique identification number to access social schemes and benefits. This portable benefits card will be issued in accordance with the Unorganised Workers Social Security Act, 2008. While the card itself does not grant any benefits, it serves as both a registration document and an identity card.	State	Individual
Senior Citizen Card	Senior Citizen Card	To provide range of benefits and concessions to senior citizens, encompassing travel perks, discounted treatment in private hospitals, free healthcare in government hospitals, income tax exemption, and either free or nominal cost admissions to old age homes.	State	Individual

 

Food and nutrition

The following schemes are sanctioned to provide ration and food supplies for laborers.

Scheme Name	Weblink for more information	Purpose of scheme	State/Central	Applies to Individual/ Household
One Nation One Ration	One Nation One Ration	To provide eligible ration card holders/beneficiaries covered under NFSA with access to their entitlements for ration supply from any location in the country.	Central	All eligible ration cardholders or beneficiaries
Pradhan Mantri Garib Kalyan Anna Yojana	Pradhan Mantri Garib Kalyan Anna Yojana	To supply free food grains to migrants and poor.	Central	All migrants and poor households

 

Health

The following mentioned schemes are designed for all laborers to support their health-seeking behavior and address critical illnesses.

Scheme	Weblink for more information	Purpose of scheme	Applies to Individual/ Household	State/Central
Ayushman Bharat- Pradhan Mantri Jan Arogya Yojana	Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana	To undertake path-breaking interventions to holistically address the healthcare system (covering prevention, promotion, and ambulatory care) at the primary, secondary, and tertiary levels	Household	Central
Nikshay Poshan Yojana	Nikshay Poshan Yojana	To ensure that TB patients are identified and treated promptly, and that their contacts are traced and screened for TB	TB patients	Central

Education

The provided schemes are available to student for school and higher education.

Scheme Name	Weblink for more information	Purpose of education scheme	State/Central	Applies to Individual/Household
Prabuddha Overseas Scholarship	Prabuddha Overseas Scholarship	Students belonging to Schedule Caste and Schedule Tribe, who wish to pursue Undergraduate, Postgraduate, or Doctoral courses at foreign universities.	State
Vidyasiri-Food and Accommodation Scholarship Scheme (1500 per month)	Vidyasiri-Food and Accommodation Scholarship Scheme   More detailed about Scheme	Students from backward classes pursuing post-matric courses in government, local, aided, and recognized private institutions affiliated with statutory universities in Karnataka	State
Arivu education loan scheme	Arivu education loan scheme	Students from religious minority communities pursuing professional courses like M.B.B.S., M.D., M.S., B.E., B.Tech., M.E., M.Tech., B.D.S., M.D.S., B.Ayush, M.Ayush, M.B.A., M.C.A., LL.B., B.Arch, M.Arch, B.Sc in Horticulture, Agriculture, Dairy Technology, Forestry, Veterinary, Animal Sciences, Food Technology, Biotechnology, Fisheries, Sericulture, Home/Community Sciences, Food Nutrition and Dietetics, B.Pharma, M.Pharma, Pharma.D, and D.Pharma are eligible for loans ranging from Rs. 50,000 to Rs. 3,00,000 annually throughout the course duration.	State
Pre Exam training for backward classes	Pre Exam training for backward classes	To award scholarships to school-going children of poorer OBC parents whose annual income is below double the poverty line	Central
Residential Schools Scheme	Residential Schools Scheme	Facilitating educational progress among diverse rural student groups in the state and expanding the institution's reach to encompass all categories of schools.	State
Sukanya Samriddhi Yojana	Sukanya Samriddhi Yojana	Encourages parents to build a fund for the future education and marriage expenses of their female child	Central
Stipend to law graduates	Stipend to law graduates	To provide financial assistance in the form of a stipend to law graduates belonging to the SC/ST Communities so as to help them to practice in various courts and to do various training courses	State
Hostels For Minority Students	Hostels For Minority Students	Increase in Intake for admission in Minority Schools/College	State
Tab Distribution Scheme	Tab Distribution Scheme	Tabs istributed to childrens of Safai Karmachari and Manual Scavengers who are studying in Class 9th,10th,11th and 12th for the benefit of their education	State
Pre Matric Scholarship For Students With Disabilities	Pre Matric Scholarship For Students With Disabilities	To support Student with Disability  to study further in order to prepare themselves to earn their livelihood and to find a dignified place for themselves in the society as they face several barriers physical, financial, psychological, mental in pursuing studies and living with dignity.	Central
Top Class Education For Students With Disabilities (need to discuss with partners)	Top Class Education For Students With Disabilities	To support SwDs to study further in order to prepare themselves to earn their livelihood and to find a dignified place for themselves in the society as they face several barriers physical, financial, psychological, mental in pursuing studies and living with dignity	Central
Bhagyalaxmi Scheme	Bhagyalaxmi Scheme	To promote the birth of girl children in below poverty line(BPL) families and to raise the status of the girl child in the family in particular and society in general	State
Support for Marginalized Individuals for Livelihood & Enterprise (SMILE)	Support for Marginalized Individuals for Livelihood & Enterprise (SMILE)	To reduce the incidence of dropout and support their educational aspirations	State	Transgender

 

Housing

The proposed schemes are approved to provide assistance for the construction of affordable houses for laborers.

Scheme Name	Weblink for more information	Purpose of  scheme	State/Central	Applies to Individual/Household
Pradhan Mantri Awas Yojana (PMAY)	Pradhan Mantri Awas Yojana (PMAY)	To promotes and encourages sustainable and affordable housing to Economically Weaker Section (EWS) / Low Income Group (LIG) and Middle Income Group (MIG) categories, including slum dwellers.	Central	Household
Dr Br Ambedkar Nivas Yojana	Dr Br Ambedkar Nivas Yojana	To provide financial assistance to the beneficiaries for the construction of their own houses in the urban areas.	State	Household
Devaraj URS Housing Scheme	Devaraj URS Housing Scheme	To provide affordable housing for people living in urban areas of the state	State	Household
Rajiv Gandhi Housing Scheme	Rajiv Gandhi Housing Scheme   another link:	To provide pucca houses for living to the poor and needy people.	State	Household
Basava Vasathi Yojane- housing	Basava Vasathi Yojane- housing   another link:	Offering affordable homes for economically weaker section of the society	State	Household

Disability

Individuals with disabilities receive a specific schemes, as outlined in the information provided below.

Scheme Name	Weblink for more information	Purpose of scheme	State/Central	Applies to Individual/ Household
Disability pension	Disability pension	To provides monthly pension to disabled people for the prosperity of their live.	Central	Individual
Scheme of Assistance to Disabled Persons for Purchase/Fitting of Aids/Appliances (need to discuss with partners)	Scheme of Assistance to Disabled Persons for Purchase/Fitting of Aids/Appliances	To assist the disabled persons in procuring suitable, durable, scientifically-manufactured, modern, standard aids and appliances, that can promote their physical, social and psychological rehabilitation by reducing the effects of disabilities and enhance their economic potential.	Central	Individual
Top Class Education For Students With Disabilities (need to discuss with partners)	Top Class Education For Students With Disabilities	To support Student with Disability to study further in order to prepare themselves to earn their livelihood and to find a dignified place for themselves in the society as they face several barriers physical, financial, psychological, mental in pursuing studies and living with dignity.	Central	Individual
Pre Matric Scholarship For Students With Disabilities	Pre Matric Scholarship For Students With Disabilities	To support Student with Disability  to study further in order to prepare themselves to earn their livelihood and to find a dignified place for themselves in the society as they face several barriers physical, financial, psychological, mental in pursuing studies and living with dignity.	Central	Individual

Death

Pension

Scheme Name - Category	Sub Category	Age limit	Pension rate Per month
Indira Gandhi National Old Age Pension	OAP-1	60-64	Rs. 600
Indira Gandhi National Old Age Pension	OAP-2	Above 65	Rs. 1200
Indira Gandhi National Old Age Pension	OAP-3	Above 80	Rs. 1200
Pension for Physically Handicapped Persons	Above 40% and less than 75% Disability		Rs. 800
Pension for Physically Handicapped Persons	Disability above 75%	All Age Limit	Rs. 1600
Destitute Widow Pension	DWP	All Age Limit	Rs. 800
Sandhya Suraksha Yojane	SSY	Above 65	Rs. 1000
Manasvini	MAN	All Age Limit	Rs. 600
Mythri	MYT	All Age Limit	Rs. 600
Acid victim Pension	AVP	All Age Limit	Rs. 3000
Farmer Widow Pension	FWP	All Age Limit	Rs. 2000
Endohulsan Pension	EDP- 1 less than 75%	All Age Limit	Rs. 2000
Endohulsan Pension	EDP- 2 above 75%	All Age Limit	Rs. 4000
National Pension Scheme for Traders and Self-Employed Persons	NPS-Traders	Age between 18 and 40 years	Rs. 3000
Pradhan Mantri Shram Yogi Maandhan Yojana	UW	Age between 18 and 40 years	Rs. 3000

 

Insurance

The provided schemes are available to all citizens, offering insurance coverage for death, accidental death, or disability due to accident.

Scheme	Weblink for more information	State/Central	Applies to Individual/ Household	Category (worker type or situation specific)
Pradhan Mantri Suraksha Bima Yojana(PMSBY)	Pradhan Mantri Suraksha Bima Yojana Bima Yojana	Central	Individual	Accidental death and disability
Pradhan Mantri Jeevan Jyoti Bima YAojana	Pradhan Mantri Jeevan Jyoti Bima Yojana	Central	Individual	Death
Karnataka State Private Commercial Transport Workers Accident Benefit Scheme	Karnataka State Private Commercial Transport Workers Accident Benefit Scheme	State	Individual	Death

Marriage

 

Communities are entitled following schemes for the marriage of their children.

Scheme Name	Weblink for more information	Purpose of marriage scheme	State/Central	Applies to Individual/Household
Incentive For The Simple Marriage	Incentive For The Simple Marriage	To promote the concept of simple marriages and provide financial assistance to eligible couples.	State	Individual
Inter-caste Marriage Assistance	Inter-caste Marriage Assistance	To reduce casteism and promote a more accepting society	State	Individual
Incentive For The Sc Widow Remarriage	Incentive For The Sc Widow Remarriage	The scheme aims to support widows in remarriage by offering financial assistance, with the primary goal of promoting and facilitating their rehabilitation for a normal life.	State	Individual
Incentive For The Devadasi Children’s Marriage	Incentive For The Devadasi Children’s Marriage	To reduce casteism and promote a more accepting society	State	Individual

 

 

 

 

 

Livelihood & Self employment

The following schemes are approved for unorganized sector workers to participate in self-employment or income-generating livelihood activities.

Scheme Name	Weblink for more information	Purpose of  scheme	State/Central	Applies to Individual/Household
Shrama Shakthi Scheme	Shrama Shakthi Scheme	Religious minority community entrepreneurs will be trained in artistic and technical skills and provided a loan of ₹50,000/- with a 4% rate of interest, to be paid in 36 installments	State	Individual
Direct loans for business enterprise	Direct loans for business enterprise	To provide financial assistance in the form of loans to persons belonging to the State's Religious Minority Communities so as to help them to start their businesses or expand their existing ones	State	Individual
Self Employment Scheme	Self Employment Scheme	Subsidies will be provided to the religious minority communities with the help of Nationalized / Scheduled banks to start or improve a small-scale handicraft industry, service sector, and agro-based activitie	State	Individual
Samruddhi scheme	Samruddhi scheme	To collaborate, create a partnership with potential companies, and thereby promote 25,000 entrepreneurs in the State for three years	State	Individual
Subsidy Scheme For Purchase Of Taxi / Goods Vehicle / Passenger Autorickshaw	Subsidy Scheme For Purchase Of Taxi / Goods Vehicle / Passenger Autorickshaw	Subsidy of 33% on Vehicle value or up to a maximum of Rs 2,50,000/- will be given to each beneficiary to buy Auto Rickshaw/Taxi/Goods Vehicle.	State	Individual
Unnati Scheme	Unnati Scheme	To provide a comprehensive entrepreneurship platform for startups.	State	Individual
Prerana (micro Credit Finance) Scheme	Prerana (micro Credit Finance) Scheme	To encourage women from urban and rural areas to set up self-help groups and help them to set up a productive business and turn them profitably.	State	Individual
Udyogini Scheme	Udyogini Scheme	To assist women in gaining self-reliance and economic independence through self-employment, mainly through trade and the service sector. It also provides for a subsidy on loans from the Karnataka State Women’s Development Corporations for undertaking business activities/ micro enterprises through banks and other financial institutions.	State	Individual
Self-Employment Udhyama Sheelatha Scheme	Self-Employment Udhyama Sheelatha Scheme	Encouraging the youth from Schedule caste community,  Corporation provides opportunities for self-employment by helping them to set up business units.	State	Individual
Self-Employment Direct Loan Scheme	Self-Employment Direct Loan Scheme	For Safai Karmachari / Manual Scavenger and their dependents direct microfinance for activities like vegetables and fruits,fish, meat, sheep, pig units as working capital for installing push-up units is Rs. 50,000 /- of these 50% loan and 50% subsidy.	State	Safai Karmachari / Manual Scavenger and their dependents
Airavata Scheme	Airavata Scheme	A subsidy of Rs. 5,00,000 will be offered to beneficiary to purchase a light motor vehicle through which not only will the beneficiary generate revenue but also it reduces the burden of EMI on the beneficiary.	State	Safai Karmachari / Manual Scavenger and their dependents
Prerana (micro Credit Finance) Scheme	Prerana (micro Credit Finance) Scheme	To encourage women from urban and rural areas to set up self-help groups and help them to set up a productive business and turn them profitably	State	Safai Karmachari / Manual Scavenger and their dependents
Land Purchase Scheme	Land Purchase Scheme	Financial assistance will be given to SC/ST women agriculture labors to own 02 Acres of Dry land or 01 Acre of wet land. Unit Cost is Rs 15.00 lakhs. In Bengaluru Urban, Bengaluru Rural, and Chik Ballapur Districts Rs 20.00 lakhs. 50% is subsidy and 50% is loan. They are eligible to get bore well under Ganga Kalyana scheme, if the land has no irrigation facility.	State	Safai Karmachari / Manual Scavenger and their dependents
Two Wheeler Scheme	Two Wheeler Scheme	To provide 90% subsidy on two wheeler to purchase	State	Safai Karmachari / Manual Scavenger and their dependents
Sucking and Jetting Machine Purchase Scheme	Sucking and Jetting Machine Purchase Scheme	To provide 75% of the subsidy to purchase sucking and jetting machine who want to do cleaning work.	State	Safai Karmachari / Manual Scavenger and their dependents
PLHIV Dhana Shree Yojana	PLHIV Dhana Shree Yojana	Helping HIV infected/affected women to become economically independent	State	HIV infected/affected women
Chethana Scheme	Chethana Scheme	Provide financial assistance provide to the sex worker for self employment and to lead a decent and dignified life.	State	Sex worker
Rehabilitation Programmes For Transgender	Rehabilitation Programmes For Transgender	Provide financial assistance provide to the transgender for self employment and to lead a decent and dignified life.	State	Transgender
Women's- Industries, Services, and Business(2.0 Lakhs subsidy)	Women's- Industries, Services, and Business(2.0 Lakhs subsidy)	Scheduled Tribe  women will be provided with subsidy from the Corporation and bank loan facility to start self-employment units in small business, small industry and service sectors	State	Women
Svavalambhi Sarathi Scheme	Svavalambhi Sarathi Scheme	Under this scheme, the Scheduled Tribe youth and women will be provided with subsidy from the Corporation and bank loan facility to start self-employment units in small business, small industry and service sectors	State	Scheduled Tribe youth and women
Street Vendors Card/PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi)	Street Vendors Card/PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi)	To formalize the street vendors and open up new opportunities for this sector to move up the economic ladder	Central	Street vendors
Self-Employement Udhyama Sheelatha Scheme	Self-Employement Udhyama Sheelatha Scheme	To start or improve a small-scale handicraft industry, service sector and agro-based activities	State	Individual belongs to minorities
Economic Support Programme for Unemployed Youths-( Subsidy for self employment through Development Corporations/Bank Loan)	Economic Support Programme for Unemployed Youths-( Subsidy for self employment through Development Corporations/Bank Loan)		State	Unemployed Youth
Economic Support to Dr. B.R.Ambedkar Development Corporation for Micro Credit Scheme.	Economic Support to Dr. B.R.Ambedkar Development Corporation for Micro Credit Scheme.		State	Unemployed Youth
National Livelihood Mission - Ajeevika-Deendayal Antyodaya Yojana-National Urban Livelihood Mission (DAY-NULM)	National Livelihood Mission - Ajeevika-Deendayal Antyodaya Yojana-National Urban Livelihood Mission (DAY-NULM)	To reduce poverty and vulnerability of the urban poor households by enabling them to access gainful self employment and skilled wage employment opportunities,resulting in an appreciable improvement in their livelihoods on a sustainable basis,through building strong grassroots level institutions of the poor.	Central	Households
Women training Programme	Women training Programme	To improve the skills to women belonging to lower income group, widows, destitute, SC/ST categories are envisaged. These programmes intend to develop entrepreneurial skills among women	State	Women

Maternal & child health

Following schemes are sanctioned for welfare of mother and child health.

Scheme Name	Weblink for more information	Purpose of  scheme	State/Central
Pradhan Mantri Matru Vandana Yojana (PMMVY)	Pradhan Mantri Matru Vandana Yojana (PMMVY)	To meet the daily requirement of nourishment of pregnant women	Central	Pregnant women
Karnataka Mathru poorna - One Full Meal Scheme (Maternal Nutrition)	Mathrupoorna - One Full Meal Scheme (Maternal Nutrition)	To improve the nutrient intake of pregnant women through spot feeding by providing One Full Meal in order to reduce the incidence of low birth babies and undernutrition among women & children.	State	Pregnant women
Janani Shishu Suraksha Karyakram	Janani Shishu Suraksha Karyakram	Access government health facilities for their delivery is granted for absolutely free and no-cost deliveries, including caesarean sections. Essential care for both the mother and her newborn is provided within 48 hours.	Central	Pregnant women
Janani Suraksha Yojana	Janani Suraksha Yojana	To reduce maternal and neonatal mortality by promoting institutional delivery among poor pregnant women.	Central	Pregnant women
Thayi Bhagya	Thayi Bhagya	To provide basic treatment free of cost to pregnant women.	State	Pregnant women

Others

Scheme Name	Weblink for more information	Purpose of scheme	State/Central	Applies to Individual/ Household
Gruha Lakshmi Scheme	Gruha Lakshmi Scheme	To provide financial security to woman head of household.	State	Woman