NSJBSY

Nirman Shramik Jeevan v Bhavishya Suraksha Yojna

5.8/10

The Nirman Shramik Jeevan v Bhavishya Suraksha Yojna is a scheme aimed at providing insurance and pension benefits to registered construction workers in Rajasthan.

State

States / UT: Rajasthan

Ministry / nodal: Ministry of Labour

Nodal department: Labour Department

Scheme for: Individual

Scheme profile

DBT (direct benefit transfer): Yes

Target beneficiaries: Construction Workers, Labour

Tags: Insurance, Pension, Construction Workers, Rajasthan, Social Security, Financial Assistance, DBT, Labour, Government Scheme, Atal Pension, Pradhan Mantri, Bhamashah

Details

The Nirman Shramik Jeevan v Bhavishya Suraksha Yojna is a scheme aimed at providing insurance and pension benefits to registered construction workers in Rajasthan. It is implemented under the Building and Other Construction Workers (Regulation of Employment and Conditions of Service) Act, 1996, and aims to benefit eligible workers through the Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana, and Atal Pension Yojana. The scheme is effective from January 1, 2016, and is applicable throughout the state of Rajasthan.

Benefits

  • - Full reimbursement of the annual premium of ₹12 for the Pradhan Mantri Suraksha Bima Yojana 50% reimbursement of the annual premium of ₹330 for the Pradhan Mantri Jeevan Jyoti Bima Yojana, amounting to ₹165 50% reimbursement of the average annual contribution for the Atal Pension Yojana to receive a monthly pension of ₹1,000
  • Full reimbursement of the annual premium of ₹12 for the Pradhan Mantri Suraksha Bima Yojana.
  • 50% reimbursement of the annual premium of ₹330 for the Pradhan Mantri Jeevan Jyoti Bima Yojana, amounting to ₹165.
  • 50% reimbursement of the average annual contribution for the Atal Pension Yojana to receive a monthly pension of ₹1,000.

Eligibility

  1. Must be a registered construction worker under the board.
  2. Must have a savings account in the name of the beneficiary.
  3. Possession of an Aadhaar card and Bhamashah card (optional).
  4. Must be eligible for the Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana, and Atal Pension Yojana, and have consented to the deduction of contributions/premiums from their savings account.

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.

5.8
/ 10
Public Benefit Score
Accessibility 7.0/10 Good
Rural usefulness 5.0/10 Moderate
Application complexity 3.0/10 Good
Financial impact 4.0/10 Moderate
Literacy barrier 5.0/10 Moderate
Women inclusivity 7.0/10 Good
Awareness 4.5/10 Moderate
Implementation reliability 7.0/10 Good
Bigger shape means a better fit for citizens
  • Accessibility7.0
  • Financial impact4.0
  • Rural utility5.0
  • Awareness4.5
  • Simplicity7.0
  • Inclusivity7.0

What problem does this scheme solve?

The scheme provides essential insurance and pension benefits to construction workers in Rajasthan, addressing their financial security needs.

Key challenges addressed

  • Lack of insurance coverage for construction workers
  • Inadequate pension support for low-income workers

Most beneficial for

  • Registered construction workers
  • Low-income labourers

Likely challenges

  • Awareness of the scheme among potential beneficiaries
  • Complexity in the application process for semi-literate individuals

Practical insights for citizens

The scheme is practical but requires better outreach and support for effective implementation.

Rural challenges

  • Limited awareness of the scheme
  • Access to online application facilities

Digital challenges

  • Dependence on internet access for online applications
  • Potential lack of digital literacy

Implementation bottlenecks

  • Delays in processing applications
  • Verification of eligibility may take time

Awareness challenges

  • Low awareness among construction workers about the scheme

Application analysis

Application mode
Online + Offline
Documents burden
Moderate; requires registration certificate and bank passbook
Verification complexity
Moderate; requires proof of deductions and eligibility
Office dependency
Moderate; local labor office involvement
DBT dependency
Yes; relies on bank account for benefit disbursement
CSC support
Yes; can be assisted through local CSC
Estimated citizen effort
Moderate; requires filling out forms and gathering documents

Estimated beneficiary reach

  • Rural / urban reach High
  • Gender reach Moderate
  • Target income group Low-income workers
  • Occupation reach Construction workers

Benefit analysis

Benefit type
Insurance and Pension
Benefit frequency
Annual reimbursement
Benefit practicality
High; provides essential financial security
Financial meaningfulness
Moderate; benefits are meaningful but may not cover all needs
Long-term impact
Positive; aims to improve financial stability for workers

Plain-language guidance

This scheme helps construction workers in Rajasthan get insurance and pension benefits. It is designed to provide financial security for low-income workers.

Who should apply
Registered construction workers in Rajasthan.
Who may struggle
Semi-literate individuals and those unfamiliar with online applications.
Best application route
Apply via local CSC or online with Aadhaar.

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

Online

  1. Fill out the application form (Form-1) and submit it to the local labor office or authorized officer.
  2. Applications can also be submitted online.
  3. The application must be submitted within one year from the end of the financial year in which the contributions or premiums are deducted from the beneficiary's savings account.
  4. Required documents include a copy of the registration certificate, bank passbook, and proof of deductions.

References

Scheme page (portal)
https://jaipur.rajasthan.gov.in/scheme/detail/220
Related PDF (portal)
https://jankalyanfile.rajasthan.gov.in/Files//Content/UploadFolder/Scheme/LAB_/NSJBSY/DOC_220_5ae1f5c6-7a2b-4c64-a238-7929e654dcd1.pdf
Department website
https://www.labour.rajasthan.gov.in

Apply

Apply now

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Frequently asked questions

What is the purpose of Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
Nirman Shramik Jeevan v Bhavishya Suraksha Yojna is a government welfare initiative designed to support Individual, Construction Workers, Labour through benefits related to General, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
Eligibility for Nirman Shramik Jeevan v Bhavishya Suraksha Yojna 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 Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
Benefits under Nirman Shramik Jeevan v Bhavishya Suraksha Yojna 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 Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
Nirman Shramik Jeevan v Bhavishya Suraksha Yojna is managed by Labour Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
Yes, eligible applicants may be able to apply online for Nirman Shramik Jeevan v Bhavishya Suraksha Yojna through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
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 Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
Applications for Nirman Shramik Jeevan v Bhavishya Suraksha Yojna 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 Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
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 Nirman Shramik Jeevan v Bhavishya Suraksha Yojna available in all states?
No, Nirman Shramik Jeevan v Bhavishya Suraksha Yojna is primarily available for eligible residents of Rajasthan and may be implemented through state government departments and local administrative offices.
Can residents outside Rajasthan apply for Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
Eligibility for Nirman Shramik Jeevan v Bhavishya Suraksha Yojna is generally limited to residents of Rajasthan unless otherwise specified in the official scheme guidelines.
Who is eligible for pension benefits under Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
Eligibility may depend on age, income category, social welfare criteria, disability status, widow status, or senior citizen classification defined under the scheme.
How are pension benefits provided under Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
Pension assistance under Nirman Shramik Jeevan v Bhavishya Suraksha Yojna may be transferred through direct benefit transfer (DBT), linked bank accounts, post office accounts, or welfare department payment systems.
Does Nirman Shramik Jeevan v Bhavishya Suraksha Yojna provide healthcare or insurance support?
Nirman Shramik Jeevan v Bhavishya Suraksha Yojna may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
Can beneficiaries use Nirman Shramik Jeevan v Bhavishya Suraksha Yojna 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.
Can CSC centres help users apply for Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
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 Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Can beneficiaries track application status for Nirman Shramik Jeevan v Bhavishya Suraksha Yojna?
Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Nirman Shramik Jeevan v Bhavishya Suraksha Yojna in Rajasthan?
Users in Rajasthan 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 Nirman Shramik Jeevan v Bhavishya Suraksha Yojna 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.