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Indian Finance 🇮🇳

Eshram Card Benefits — Calculations & Slabs for FY 2026-27

Check which benefits -- accident insurance, welfare fund payouts, and scheme eligibility -- an unorganised worker registered on the e-Shram portal can access.

Last verified: June 2026 | Source: eshram.gov.in

1. Eligibility Parameters

Frequently Asked Questions (FAQ)

What is the e-Shram card and who is it for?

The e-Shram card is a digital identity card issued by the Ministry of Labour & Employment for unorganised workers in India. It provides a unique 12-digit Universal Account Number (UAN) and links workers to various social security schemes, pension benefits, and accidental insurance.

What are the eligibility criteria for registering on the e-Shram portal?

An applicant must be: 1. An unorganised worker (e.g., construction worker, agricultural labourer, street vendor, rickshaw driver). 2. Between 16 and 59 years of age. 3. Not a member of formal sector social security systems like EPFO or ESIC. 4. Not an income tax payer.

Is the PMSBY accidental insurance cover under e-Shram free?

The PMSBY accidental insurance of ₹2 Lakh (for death or permanent disability) and ₹1 Lakh (for partial disability) is provided free of charge for the first year of registration. To keep it active in subsequent years, the worker needs to pay the annual premium, which is currently ₹20 per year.

Can an income tax payer or government employee register for an e-Shram card?

No. Income tax payers, active government employees, and members of formal sector social security networks (like EPFO or ESIC) are strictly excluded from registering on the e-Shram portal.

Where can I verify the source data for this calculator?

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.

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About This Calculator

Target Audience: Salaried taxpayers, investors & retirees planning Indian tax & wealth growth

💡 What Does This Calculator Do?

This calculator determines your eligibility for the E-Shram portal registration and evaluates the financial benefits, accident insurance, and social security pensions you qualify for under the Ministry of Labour & Employment.

📋 How to Use It

  1. 1
    Profile Data: Enter your age, select your unorganised sector occupation, and enter your annual income.
  2. 2
    Exclusion Check: Indicate if you are a member of EPFO/ESIC or pay income tax.
  3. 3
    State Selection: Select your state to calculate additional state-level welfare transfers linked to your UAN.

🧬 The Logic Explained Simply

  • The Concept: E-Shram registration creates a national registry of unorganised workers. The system verifies if you meet the core requirements: age 16-59, not in the formal sector (EPFO/ESIC), and a non-taxpayer.
  • The Benefits: Eligible workers receive a Universal Account Number (UAN) card, PMSBY accidental insurance (₹2 Lakh for accidental death, ₹1 Lakh for partial disability), and priority access to central pensions (PM-SYM) and state-specific grants.

💡 Real-World Calculation Breakdown

Consider a 35-year-old street vendor in Uttar Pradesh earning ₹1,20,000/year.

  • Eligibility: Verified (Age is 16-59, unorganised vendor, no EPFO/ESIC).
  • Accident Insurance (PMSBY): Eligible for ₹2,00,000 coverage (free first year, ₹20/year renewal).
  • PM Garib Kalyan: Priority access during emergencies.
  • UP State Benefit: Registered workers qualify for active welfare transfers (e.g. ₹500/month maintenance allowance during distress periods).

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