Lok Sabha Question No. 2660 (UNSTARRED), answered on 2025-12-16
Subject: Social-Security Schemes in Border Panchayats
Ministry: RURAL DEVELOPMENT
Asked by: Shri Rajmohan Unnithan

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT

## DEPARTMENT OF RURAL DEVELOPMENT

## LOK SABHA UNSTARRED QUESTION NO. 2660 ANSWERED ON 16/12/2025

## SOCIAL-SECURITY SCHEMES IN BORDER PANCHAYATS

## 2660. Shri Rajmohan Unnithan:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) whether the Government has identified gaps in access to socialsecurity schemes for casual labourers and daily-wage workers in border panchayats of Kasaragod, if so, the details thereof;
- (b) whether  enrolment  drives  under  centrally-assisted  livelihood and insurance-linked schemes have been undertaken, if so, the details thereof; and
- (c) the number  of beneficiaries  covered and  total  payments released during the last two financial years?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT (SHRI KAMLESH PASWAN)

(a) & (c): As  informed  by  Ministry  of  Labour  and  Employment (MoLE),  Pradhan  Mantri  Shram  Yogi  Maan-dhan  (PM-SYM)  scheme was launched by MoLE in February, 2019 in order to provide old age protection  to  the  workers  of  unorganised  sector  including  casual labourers and daily-wage workers in border panchayats of India. The scheme is being implemented for all workers of unorganized sector across  the  country  including  Kasaragod.  This  is  a  voluntary  and contributory pension scheme. Under the scheme, a monthly assured pension of Rs. 3000/- is provided to the unorganised workers after attaining the age of 60 years.

The workers in the age group of 18 to 40 years whose monthly income is  Rs.15000/-  or  less  and  not  a  member  of  EPFO/ESIC/NPS (Govt. funded) are eligible to join the  scheme.  The monthly contribution amount ranges from Rs. 55/- to Rs. 200/-, depending upon the  entry  age  of  the  beneficiary.  Under  the  scheme,  50%  monthly contribution  is  payable  by  the  beneficiary  and  equal  matching contribution  is  paid  by  the  Central  Government.  Enrollment  in  the scheme  is  done  through  the  Common  Service  Centres,  with  its network  of  about  4  lakh  Centres  across  the  country.  Eligible

unorganised workers can also self-enrol through visiting the portal www.maandhan.in .

Actual Expenditure (AE) and registration in the PM-SYM scheme since 2024-25 is as under:

| Sr. No   | Year For PMSYM Amount (Rs. In crores)   | Registration under PM- SYM   |
|----------|-----------------------------------------|------------------------------|
| 1        | 2024-25 232.11                          | 1,27,436                     |
| 2        | 2025-26 127.60 (Till 11.12.2025)        | 61,640 (Till 10.12.2025)     |
|          | Total 359.71                            | 1,89,076                     |

(b): The ESIC has launched a scheme for registration of employers and  employees  (SPREE)  to  create  awareness  about  the  coverage under ESIC and to provide a one-time opportunity to all uncovered employers in all States to register their units under ESIC with the facility  to  not  submit  any  previous  records  or  to  register  new employees for already covered units.

Government is implementing various livelihood and insurance schemes for welfare of casual labourers and daily-wage workers - (i) PM  Vishwakarma  (ii)  PMSVANidhi  (iii)  National  Rural  Livelihood Mission    (iv)  Pradhan  Mantri  Kaushal  Vikas  Yojana  (PMKVY)  (v) Pradhan Mantri Suraksha Bima Yojana (PMSBY) (vi) Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) (vii) Atal Pension Yojana (APY) among others.

To enhance skills and provide apprenticeship opportunities for unorganised workers,  eShram portal  has  been  integrated  with  the Skill  India  Digital  Hub  (SIDH)  Portal  under  the  Ministry  of  Skill Development and Entrepreneurship. Unorganised workers registered on the e-Shram portal can now access skill development programs available on the SIDH portal.

Awareness  drives  are  periodically  undertaken  under  various centrally-assisted  livelihood  and  insurance-linked  schemes.  These activities are carried out by the concerned Ministries and implementing agencies through State Governments, banks, insurance institutions and field-level functionaries.

A  nationwide  campaign  was  launched  by  the  Department  of Financial  Services  to  achieve  saturation  of  Financial  Inclusion schemes  across  all  Gram  Panchayats  and  Urban  Local  Bodies recently.  The  campaign  focuses  on  Re-KYC,  opening  of  PMJDY accounts, enrollments under PMJJBY, PMSBY and APY.

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