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

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.

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.

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.

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. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

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