NSJBSY
Nirman Shramik Jeevan va Bhavishya Suraksha Yojana
5.3/10The scheme "Nirman Shramik Jeevan va Bhavishya Suraksha Yojana" aims to provide financial security and social protection through insurance and pension benefits to registered construction workers and their families. Benefits under various flagship schemes are provided.
States / UT: Rajasthan
Nodal department: Labour Department
Scheme for: Individual
Scheme profile
DBT (direct benefit transfer): No
Scheme open date: 2016-01-01
Categories: Health & Wellness
Sub-categories: Medical insurance
Target beneficiaries: Individual
Tags: Medical, Insurance, Health, Labor, Premium, Construction, Pension
Details
Launched in 2016, the scheme "Nirman Shramik Jeevan va Bhavishya Suraksha Yojana" (Construction Workers Life and Future Security Scheme) by the Building and Other Construction Workers Welfare Board, Government of Rajasthan aims to provide financial security and social protection through insurance and pension benefits to the registered construction workers and their families. Through this scheme, benefits under the Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana, and Atal Pension Yojana are provided to eligible registered construction workers. This comprehensive scheme complements other initiatives like the Construction Workers Tools/Toolkit Assistance Scheme, Construction Workers Education and Skill Development Scheme, and Construction Workers Sulabh Yojana.
Benefits
- Pradhan Mantri Suraksha Bima Yojana (PMSBY) 100% reimbursement of annual premium amount (₹12)
- Premium amount is fully reimbursed through electronic transfer
- No partial reimbursement option is available
- Beneficiary must show proof of premium deduction in bank passbook Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 50% reimbursement of the annual premium amount
- Total premium: ₹330
- Reimbursement amount: ₹165
- Remaining ₹165 to be borne by the beneficiary
- Must provide proof of full premium deduction from bank account Atal Pension Yojana (APY) 50% reimbursement of the annual contribution amount
- Specifically for the ₹1,000 monthly pension plan
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
- 100% reimbursement of annual premium amount (₹12)
- Premium amount is fully reimbursed through electronic transfer
- No partial reimbursement option is available
- Beneficiary must show proof of premium deduction in bank passbook
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
- 50% reimbursement of the annual premium amount
- Total premium: ₹330
- Reimbursement amount: ₹165
- Remaining ₹165 to be borne by the beneficiary
- Must provide proof of full premium deduction from bank account
Atal Pension Yojana (APY)
- 50% reimbursement of the annual contribution amount
- Specifically for the ₹1,000 monthly pension plan
- Reimbursement is calculated based on the average annual contribution
- Beneficiary must continue paying their share to maintain scheme validity
- Must show proof of contribution deduction from bank account
Eligibility
- The applicant must be registered as a beneficiary with the Building and Other Construction Workers Welfare Board.
- The applicant must have a savings bank account in their name.
- The applicant must be eligible for membership under the following schemes:
- Pradhan Mantri Suraksha Bima Yojana (PMSBY)
- Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
- Atal Pension Yojana (APY)
- The applicant must provide consent to their bank for the deduction of premium/contribution from their savings account.
- The applicant must have gotten the annual premium/contribution amount deducted from their savings account.
How useful is this scheme?
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.
- Accessibility6.0
- Financial impact4.0
- Rural utility5.0
- Awareness4.5
- Simplicity5.0
- Inclusivity6.0
What problem does this scheme solve?
The scheme provides essential financial security and social protection for registered construction workers and their families.
Key challenges addressed
- Financial insecurity due to accidents or health issues
- Lack of access to insurance and pension benefits
Most beneficial for
- Registered construction workers
- Low-income families
Likely challenges
- Complex online application process
- Need for digital literacy
Practical insights for citizens
The scheme's benefits may not reach all eligible workers due to application complexities.
Rural challenges
- Limited internet access
- Lack of awareness about the scheme
Digital challenges
- High digital dependency for application
- Need for digital literacy
Implementation bottlenecks
- Complexity of online registration
- Verification of documents
Awareness challenges
- Low awareness among target beneficiaries
Application analysis
- Application mode
- Online portal
- Documents burden
- Moderate, requires multiple documents
- Verification complexity
- High, involves multiple steps
- Office dependency
- Low, primarily online
- DBT dependency
- Yes, requires bank account for benefits
- CSC support
- Limited
- Estimated citizen effort
- High, due to multiple steps in application
Estimated beneficiary reach
Benefit analysis
- Benefit type
- Cash
- Benefit frequency
- One-time
- Benefit practicality
- Moderate, dependent on successful application
- Financial meaningfulness
- Moderate, provides essential support but may not cover all needs
- Long-term impact
- Positive, if beneficiaries can access and utilize the benefits
Plain-language guidance
This scheme helps registered construction workers and their families get financial support through insurance and pension benefits. It requires an online application and specific documents.
- Who should apply
- Registered construction workers in Rajasthan.
- Who may struggle
- Semi-literate individuals and those unfamiliar with online processes.
- Best application route
- Apply via the Rajasthan Single Signon portal.
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
REGISTRATION
Step 1: Visit the Official Portal of Rajasthan Single Signon, and click "Register Here".
Step 2: In the online registration form, fill in all the mandatory fields, verify your Mobile Number via OTP, and click "Register".
APPLICATION
Step 1: After successful registration, log in to the SSO Portal, you will be able to browse the various Departmental Portals of the Government of Rajasthan.
Step 2: Click on the “Labour Department Management System (LDMS)” icon. The system will ask whether you are already registered with LDMS.
Step 2.1: If you are already registered with LDMS, click ‘Yes’. You will be asked to provide your LDMS Login ID & Password for mapping with SSO ID.
*This is a one-time activity, thereafter, in subsequent sessions upon entering the SSO ID & selecting the LDMS portal, the user will automatically come to the respective screen in the LDMS portal.
Step 2.2: If you are NOT already registered with LDMS, click ‘No’. You will be asked to update your profile by providing the following details: District, House No./Plot No., Street/Locality, Village/Town/City, and PIN Code.
Step 3: After submitting the form, you will automatically come to the dashboard of the LDMS portal.
Step 4: Select "Welfare Schemes" from the side menu, then select "BOCW Welfare Board", then click "Apply for Scheme".
Step 5: In the next page, all the schemes of the Rajasthan Shramik Card will be displayed. From the list, select the scheme you intend to apply for.
Step 6: You will be taken to the online application form of the scheme. In the form, fill in all the mandatory fields of the Application Form and upload all the mandatory documents in the specified format and size. Finally, click "Submit".
Clarifications
Additional points from the scheme information published on myScheme (not legal advice).
- What is the Nirman Shramik Jeevan Bhavishya Suraksha Yojana (NSJBSY)?
These schemes are provided by the Government of Rajasthan in case of death or injury due to normal or accidental death or injury to the beneficiaries of workers registered in the unorganized sector.
- Is there a Caste-related Eligibility Criteria in this scheme?
No ,Is there a Caste-related Eligibility Criteria in this scheme
- Is there an application fee?
No, there an no application fee.
- Who is eligible to benefit from the NSJBSY?
Eligibility typically includes construction workers, including those working in both organized and unorganized sectors, who are registered under the scheme.
- What are the main benefits provided under the NSJBSY?
The scheme offers various benefits such as life insurance, accidental insurance, disability coverage, health insurance, and pension benefits to registered construction workers and their families.
- How can applicant apply online ?
By logging in to the SSO portal of Rajasthan, an online application for the Yojana can be made by visiting the LDMS option.
- Is this scheme for the people of Rajasthan?
Yes
- What documents are required while submitting the application form?
1 Copy of the beneficiary's registration identity card. 2 Copy of the first page of the beneficiary's bank account passbook (which contains the beneficiary'sname, bank account number and IFSC code). 3.The relevant page of the passbook of the beneficiary's bank account, on which the details of deduction of contribution/premium amount of the said schemes are mentioned. 4.Copy of Aadhar Card and Bhamashah Card of the beneficiary (optional).
- How many times the applicant can avail of the benefits of the scheme?
Only ones.
- What documents are required
- Copy of the beneficiary's registration certificate. 2. Copy of the beneficiary's Aadhaar card and Bhamashah card. 3. Copy of the first page of the beneficiary's savings bank account passbook (showing the beneficiary's name, bank account number, and IFSC code). 4. Certificate of the beneficiary being a construction worker for the last 12 months. 5. Filled application form of the scheme. 6. Relevant page of the beneficiary's bank passbook, showing the details of the contribution/premium amount deducted for the said schemes.
Official links
References
- Guidelines [Labour Department]
- https://labour.rajasthan.gov.in/Schemes.aspx
- Guidelines [Directorate Of Specially Abled Person]
- https://dsap.rajasthan.gov.in/sm/jankalyan-category-and-entry-type/54844/167/4/1
Apply
Apply nowOpens the official application or programme portal in a new tab. If in doubt, confirm details on the ministry site.
Frequently asked questions
- What is the purpose of Nirman Shramik Jeevan va Bhavishya Suraksha Yojana?
- Nirman Shramik Jeevan va Bhavishya Suraksha Yojana is a government welfare initiative designed to support Individual, Individual through benefits related to Health & Wellness, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
- Who can apply for Nirman Shramik Jeevan va Bhavishya Suraksha Yojana?
- Eligibility for Nirman Shramik Jeevan va Bhavishya Suraksha 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 Nirman Shramik Jeevan va Bhavishya Suraksha Yojana?
- Benefits under Nirman Shramik Jeevan va Bhavishya Suraksha 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 Nirman Shramik Jeevan va Bhavishya Suraksha Yojana?
- Nirman Shramik Jeevan va Bhavishya Suraksha Yojana 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 va Bhavishya Suraksha Yojana?
- Yes, eligible applicants may be able to apply online for Nirman Shramik Jeevan va Bhavishya Suraksha Yojana through official government portals, authorised service centres, or digital application systems depending on the implementation process.
- Is Aadhaar mandatory for Nirman Shramik Jeevan va Bhavishya Suraksha 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 Nirman Shramik Jeevan va Bhavishya Suraksha Yojana?
- Applications for Nirman Shramik Jeevan va Bhavishya Suraksha 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 Nirman Shramik Jeevan va Bhavishya Suraksha 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 Nirman Shramik Jeevan va Bhavishya Suraksha Yojana available in all states?
- No, Nirman Shramik Jeevan va Bhavishya Suraksha Yojana 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 va Bhavishya Suraksha Yojana?
- Eligibility for Nirman Shramik Jeevan va Bhavishya Suraksha Yojana 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 va Bhavishya Suraksha Yojana?
- 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 va Bhavishya Suraksha Yojana?
- Pension assistance under Nirman Shramik Jeevan va Bhavishya Suraksha Yojana may be transferred through direct benefit transfer (DBT), linked bank accounts, post office accounts, or welfare department payment systems.
- Does Nirman Shramik Jeevan va Bhavishya Suraksha Yojana provide healthcare or insurance support?
- Nirman Shramik Jeevan va Bhavishya Suraksha Yojana 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 va Bhavishya Suraksha 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.
- Can CSC centres help users apply for Nirman Shramik Jeevan va Bhavishya Suraksha 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 Nirman Shramik Jeevan va Bhavishya Suraksha 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 Nirman Shramik Jeevan va Bhavishya Suraksha 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 Nirman Shramik Jeevan va Bhavishya Suraksha Yojana?
- 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 va Bhavishya Suraksha Yojana 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 va Bhavishya Suraksha 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.