What is the purpose of Khadi Karigar Janashree Bima Yojana?

Khadi Karigar Janashree Bima Yojana is a government welfare initiative designed to support Infra, Individual through benefits related to Banking,Financial Services and Insurance, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.

Who can apply for Khadi Karigar Janashree Bima Yojana?

Eligibility for Khadi Karigar Janashree Bima Yojana may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.

What benefits are offered under Khadi Karigar Janashree Bima Yojana?

Benefits under Khadi Karigar Janashree Bima Yojana may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.

Which department manages Khadi Karigar Janashree Bima Yojana?

Khadi Karigar Janashree Bima Yojana is managed by Ministry Of Micro, Small and Medium Enterprises and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.

Can users apply online for Khadi Karigar Janashree Bima Yojana?

Yes, eligible applicants may be able to apply online for Khadi Karigar Janashree Bima Yojana through official government portals, authorised service centres, or digital application systems depending on the implementation process.

Is Aadhaar mandatory for Khadi Karigar Janashree Bima Yojana?

Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.

Where can users apply for Khadi Karigar Janashree Bima Yojana?

Applications for Khadi Karigar Janashree Bima Yojana may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.

What documents may be required for Khadi Karigar Janashree Bima Yojana?

Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.

Is income certificate required for Khadi Karigar Janashree Bima Yojana?

Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Khadi Karigar Janashree Bima Yojana.

Is Khadi Karigar Janashree Bima Yojana a central government scheme?

Yes, Khadi Karigar Janashree Bima Yojana is a central government welfare initiative that may be implemented across multiple states through authorised departments and agencies.

Can students apply for Khadi Karigar Janashree Bima Yojana?

Eligible students studying in recognised institutions may apply for Khadi Karigar Janashree Bima Yojana depending on educational qualification, category, income limit, and academic eligibility.

Is scholarship amount provided under Khadi Karigar Janashree Bima Yojana?

Khadi Karigar Janashree Bima Yojana may provide scholarship assistance, tuition support, educational reimbursement, or financial aid for eligible students.

Does Khadi Karigar Janashree Bima Yojana provide healthcare or insurance support?

Khadi Karigar Janashree Bima Yojana may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.

Can beneficiaries use Khadi Karigar Janashree Bima Yojana at government hospitals?

Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.

Does Khadi Karigar Janashree Bima Yojana provide business loan or startup assistance?

Khadi Karigar Janashree Bima Yojana may support entrepreneurs, startups, self-employed individuals, MSMEs, or small businesses through financial assistance, subsidies, credit support, or training initiatives.

Is collateral required under Khadi Karigar Janashree Bima Yojana?

Collateral requirements may vary depending on the loan amount, implementing agency, financial institution, and government subsidy structure.

Can CSC centres help users apply for Khadi Karigar Janashree Bima Yojana?

Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.

How can users check the latest updates for Khadi Karigar Janashree Bima Yojana?

Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.

Are there deadlines for applying to Khadi Karigar Janashree Bima Yojana?

Some schemes may operate through fixed application windows, annual registration cycles, or department-specific deadlines depending on scheme implementation policies.

Can beneficiaries track application status for Khadi Karigar Janashree Bima Yojana?

Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.

Where can users get help for Khadi Karigar Janashree Bima Yojana in All India?

Users in All India may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.

Which nearby public services may help with Khadi Karigar Janashree Bima Yojana applications?

Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.

Khadi Karigar Janashree Bima Yojana – eligibility, benefits & apply

Scheme profile

DBT (direct benefit transfer): No

Scheme open date: 2003-08-15

Categories: Banking,Financial Services and Insurance, Social welfare & Empowerment, Education & Learning, Business & Entrepreneurship

Sub-categories: Setting up / start-up / entrepreneurship, Insurance, Scholarships and student finance, Crisis/Disaster/Accident, Annuity, Financial assistance, Citizen empowerment

Target beneficiaries: Individual

Tags: Insurance, Entrepreneur, Business, Persons With Disability, Citizen Empowerment

Details

A group insurance scheme by MoMSME for khadi artisans (spinners and weavers). The scheme provides insurance cover against normal death, accidental death, permanent or partial disability of the insured artisan. Scholarships are provided to the insurer’s children studying in class 9th to 12th.

The artisan must be member of the approved vocation / occupation groups. This scheme was formulated by Khadi and Village Industries Commission (KVIC) in association with the Life Insurance Corporation of India (LIC).

Benefits

[ [ { "children": [ { "text": "For death: "
"bold": true }
{ "text": "Natural causes – ₹20 000; and Accident – ₹50 000." } ] }
{ "children": [ { "bold": true
"text": "For permanent disability" }
{ "text": " (loss of two eyes or two limbs) – ₹50 000." } ] }
{ "children": [ { "bold": true
"text": "For partial disability" }
{ "text": " (loss of one eye or one limb) – ₹25

For death: Natural causes – ₹20,000; and Accident – ₹50,000.

For permanent disability (loss of two eyes or two limbs) – ₹50,000.

For partial disability (loss of one eye or one limb) – ₹25,000.

Free add-on benefit: Scholarship of ₹300 per quarter for children of Khadi Karigar, studying in class 9th to 12th standard, subject to a maximum of 2 children per family

Eligibility

The applicant must be a Khadi Artisan (Khadi Karigar).
The age of the applicant must be between 18 and 59 years.
The applicant must be a member of the approved vocation/occupation groups.
The group must have a minimum of 25 members.

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

6.3

/ 10

Public Benefit Score

Accessibility 6.0/10 Moderate

Rural usefulness 6.0/10 Moderate

Application complexity 5.0/10 Moderate

Financial impact 6.0/10 Moderate

Literacy barrier 2.0/10 Good

Women inclusivity 6.0/10 Moderate

Awareness 7.5/10 Good

Implementation reliability 8.0/10 Good

Bigger shape means a better fit for citizens

Accessibility6.0
Financial impact6.0
Rural utility6.0
Awareness7.5
Simplicity5.0
Inclusivity6.0

What problem does this scheme solve?

The Khadi Karigar Janashree Bima Yojana provides essential insurance coverage for khadi artisans, addressing their financial security needs.

Key challenges addressed

Insurance coverage for artisans
Financial support for families in case of death or disability

Most beneficial for

Khadi artisans
Low-income families

Likely challenges

Complex offline application process
Limited awareness among potential beneficiaries

Practical insights for citizens

The scheme is practical but requires significant effort to navigate the application process.

Rural challenges

Limited access to information
Dependence on local institutions for application

Digital challenges

Low digital literacy among target beneficiaries
No online application process

Implementation bottlenecks

Awareness and outreach to potential beneficiaries
Coordination between Khadi institutions and LIC

Awareness challenges

Low awareness among khadi artisans about the scheme

Application analysis

Application mode: Offline office
Documents burden: Moderate, requires death certificate and police report for accidental deaths
Verification complexity: Moderate, involves multiple steps
Office dependency: High, requires interaction with local Khadi institutions and LIC
DBT dependency: Low, as benefits are provided via cheque
CSC support: Limited, primarily offline
Estimated citizen effort: High, due to multiple steps in the application process

Estimated beneficiary reach

Rural / urban reach High
Gender reach Moderate
Target income group Low-income
Occupation reach Specific to khadi artisans

Benefit analysis

Benefit type: Cash
Benefit frequency: One-time payment upon claim
Benefit practicality: Practical for families in need during emergencies
Financial meaningfulness: Moderate, as the benefit amount is limited
Long-term impact: Positive, providing financial security for artisans and their families

Plain-language guidance

The Khadi Karigar Janashree Bima Yojana offers insurance for khadi artisans, covering death and disability. It also provides scholarships for their children.

Who should apply: Khadi artisans aged 18 to 59 years.
Who may struggle: Individuals unfamiliar with the application process or lacking necessary documents.
Best application route: Apply through local Khadi institutions with required documents.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Offline

The nominee of the deceased person will have to follow the below procedure:

Step 1: The beneficiary will have to furnish the original death certificate of the deceased person to the Pension Group Schemes Department of LIC of India through the Khadi Institution under which the deceased was a member.

Step 2: In case of accidental deaths, the police enquiry report will also need to be submitted along with the application.

Step 3: The agency will proceed further to forward the documents along with the claim records/papers to LIC as the branch which has originally finalised in the insurance cover.

Step 4: The Life Insurance Corporation will settle all the claims by sending account Payee Cheque directly to the beneficiary. This intimation has to be furnished to the concerned State Government.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

What defines ‘permanent disability’ as per this scheme?: For the purpose of this scheme, "permanent disability" means the loss of two eyes or two limbs.
What is the maximum financial assistance provided for death due to natural causes?: A financial assistance of ₹20,000 is provided for death occurring from a natural cause.
Are there any benefits for the children of the applicant?: Yes, there is provision for providing scholarship of ₹300 per quarter for children of a Khadi Karigar, studying in 9th to 12th standard, (subject to a maximum of 2 children per family).
I am a 45 year old khadi weaver. I seek to know if I am too old to apply for the scheme?: The upper age limit in this scheme is 59 yea₹ You are therefore eligible to apply.
Do I need to be from a particular state in order to be eligible for this scheme?: The scheme is equally applicable to citizens across all the states of India.
Is partial disability covered under this scheme?: Yes, partial disability, i.e. loss of one eye or one limb is completely covered in KKJBY.
Is partial disability covered under this scheme?: Yes, partial disability, i.e. loss of one eye or one limb is completely covered in KKJBY.
By what means shall I be receiving the benefits of the scheme?: The scheme is under the LIC so it will be LIC who issues the benefit to the nominee of the deceased person.
I seek to know the breakup of the premium contribution?: Artisan - ₹ 12.5, Khadi Institution - ₹ 25, KVIC - ₹ 12.5 Social Security Fund administered by LIC - ₹ 50.
Is the application process online?: At the moment, the scheme only supports offline process of application.

Definitions

Accident
permanent disability
partial disability
approved vocation / occupation groups

Official links

References

Guidelines: https://my.msme.gov.in/MyMsmeMob/MsmeScheme/Pages/1_3_1.html

Frequently asked questions

What is the purpose of Khadi Karigar Janashree Bima Yojana?: Khadi Karigar Janashree Bima Yojana is a government welfare initiative designed to support Infra, Individual through benefits related to Banking,Financial Services and Insurance, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Khadi Karigar Janashree Bima Yojana?: Eligibility for Khadi Karigar Janashree Bima Yojana may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under Khadi Karigar Janashree Bima Yojana?: Benefits under Khadi Karigar Janashree Bima Yojana may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages Khadi Karigar Janashree Bima Yojana?: Khadi Karigar Janashree Bima Yojana is managed by Ministry Of Micro, Small and Medium Enterprises and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Khadi Karigar Janashree Bima Yojana?: Yes, eligible applicants may be able to apply online for Khadi Karigar Janashree Bima Yojana through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Khadi Karigar Janashree Bima Yojana?: Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for Khadi Karigar Janashree Bima Yojana?: Applications for Khadi Karigar Janashree Bima Yojana may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for Khadi Karigar Janashree Bima Yojana?: Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is income certificate required for Khadi Karigar Janashree Bima Yojana?: Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Khadi Karigar Janashree Bima Yojana.
Is Khadi Karigar Janashree Bima Yojana a central government scheme?: Yes, Khadi Karigar Janashree Bima Yojana is a central government welfare initiative that may be implemented across multiple states through authorised departments and agencies.
Can students apply for Khadi Karigar Janashree Bima Yojana?: Eligible students studying in recognised institutions may apply for Khadi Karigar Janashree Bima Yojana depending on educational qualification, category, income limit, and academic eligibility.
Is scholarship amount provided under Khadi Karigar Janashree Bima Yojana?: Khadi Karigar Janashree Bima Yojana may provide scholarship assistance, tuition support, educational reimbursement, or financial aid for eligible students.
Does Khadi Karigar Janashree Bima Yojana provide healthcare or insurance support?: Khadi Karigar Janashree Bima Yojana may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
Can beneficiaries use Khadi Karigar Janashree Bima Yojana at government hospitals?: Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.
Does Khadi Karigar Janashree Bima Yojana provide business loan or startup assistance?: Khadi Karigar Janashree Bima Yojana may support entrepreneurs, startups, self-employed individuals, MSMEs, or small businesses through financial assistance, subsidies, credit support, or training initiatives.
Is collateral required under Khadi Karigar Janashree Bima Yojana?: Collateral requirements may vary depending on the loan amount, implementing agency, financial institution, and government subsidy structure.
Can CSC centres help users apply for Khadi Karigar Janashree Bima Yojana?: Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for Khadi Karigar Janashree Bima Yojana?: Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Are there deadlines for applying to Khadi Karigar Janashree Bima Yojana?: Some schemes may operate through fixed application windows, annual registration cycles, or department-specific deadlines depending on scheme implementation policies.
Can beneficiaries track application status for Khadi Karigar Janashree Bima Yojana?: Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Khadi Karigar Janashree Bima Yojana in All India?: Users in All India may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with Khadi Karigar Janashree Bima Yojana applications?: Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.