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शैक्षणिक डायरेक्टरी: यह केंद्र एवं राज्य सरकारों की सामाजिक पेंशन नीतियों की संकलित मार्गदर्शिका है। हम कोई आवेदन स्वीकृत या बैंक अंतरण नहीं करते। आधिकारिक पोर्टल पर नियमों की जांच करें।
सामाजिक पेंशन व सहायता

प्रमुख सरकारी पेंशन योजनाएं

वृद्धावस्था पेंशन, विधवा पेंशन, दिव्यांग पेंशन, अटल पेंशन योजना एवं जय बांग्ला पेंशन से जुड़ी सम्पूर्ण जानकारी व दिशा-निर्देश।

जय बांग्ला पेंशन योजना

कौन आवेदन कर सकता है:

पश्चिम बंगाल के 60 वर्ष या उससे अधिक आयु के SC एवं ST वर्ग के स्थायी निवासी वरिष्ठ नागरिक।

मुख्य लाभ:
•आजीवन ₹1,000 मासिक सुनिश्चित पेंशन
•तपोशिली बंधु व जय जोहार के एकीकृत लाभ

Old Age Pension

कौन आवेदन कर सकता है:

BPL seniors aged 60+ not covered by Jai Bangla

मुख्य लाभ:
•मासिक pension of Rs. 1,000 via DBT
•No beneficiary contribution required

Widow Pension

कौन आवेदन कर सकता है:

Destitute widows in WB with no income

मुख्य लाभ:
•मासिक pension of Rs. 1,000 via DBT

मानविक पेंशन योजना (दिव्यांगजन)

कौन आवेदन कर सकता है:

Persons with 40%+ disability in WB

मुख्य लाभ:
•मासिक pension of Rs. 1,000 via DBT
•No age restriction for disabled persons

Duare Sarkar

कौन आवेदन कर सकता है:

Any WB resident who needs to enroll in welfare schemes

मुख्य लाभ:
•Doorstep access to 10+ welfare scheme enrollments
•On-spot स्वास्थ्य साथी कार्ड issuance

Samajik Suraksha Yojana (BSY/BMSSY)

कौन आवेदन कर सकता है:

Unorganized sector workers in WB aged 18-60

मुख्य लाभ:
•Provident fund contributions by government
•Accident insurance cover up to Rs. 2 Lakhs

Accidental Benefit Scheme

कौन आवेदन कर सकता है:

Registered unorganized workers in West Bengal

मुख्य लाभ:
•Financial grant of up to Rs. 2 Lakhs in case of accidental death
•Financial aid of up to Rs. 1 Lakh for permanent disability due to accident

Artisans Financial Benefit Scheme

कौन आवेदन कर सकता है:

Traditional handicraft and handloom artisans aged 60+ in West Bengal

मुख्य लाभ:
•मासिक pension of Rs. 1,000 for elderly artisans
•One-time tool-kit purchase grant up to Rs. 10,000

Assistance for Marriage

कौन आवेदन कर सकता है:

Registered unorganized/construction workers in West Bengal marrying or marrying off their daughter

मुख्य लाभ:
•One-time financial assistance of Rs. 20,000 for the marriage of a registered worker or their daughter

Death Benefit Scheme

कौन आवेदन कर सकता है:

Nominees of deceased registered construction or unorganized workers

मुख्य लाभ:
•One-time financial death grant of Rs. 2 Lakhs paid to the registered nominee/dependent in case of normal or accidental death

Funeral Expenses for Construction Workers

कौन आवेदन कर सकता है:

Next-of-kin/nominee of deceased registered construction workers in West Bengal

मुख्य लाभ:
•One-time financial grant of Rs. 3,000 paid to the dependents for performing cremation/funeral rites of the worker

Integrated Minority Development Programme

कौन आवेदन कर सकता है:

Local community leaders and PRIs submitting block development designs

मुख्य लाभ:
•Development of local drinking water units, classrooms, sanitation facilities, and health sub-centers in minority pockets

Handloom and Khadi Weavers Benefit Scheme

कौन आवेदन कर सकता है:

Active handloom and khadi weavers in West Bengal

मुख्य लाभ:
•Financial grant of Rs. 10,000 for repairing handlooms or upgrading accessories
•Thrift Fund Scheme linkage (matching contribution by state govt)

Khadi Weavers Benefit Scheme

कौन आवेदन कर सकता है:

Registered Khadi spinners and weavers aged 60+ in West Bengal

मुख्य लाभ:
•मासिक old-age pension of Rs. 1,000 for elderly khadi spinning and weaving artisans
•Access to health insurance card cover

Literary and Cultural Pension Scheme

कौन आवेदन कर सकता है:

Traditional authors, poets, musicians, and stage actors aged 60+ in WB

मुख्य लाभ:
•मासिक pension of Rs. 1,000 credited to bank account to support sustenance during old age

Lokprasar Prakalpo

कौन आवेदन कर सकता है:

Traditional folk musicians, dancers, and theater performers in West Bengal

मुख्य लाभ:
•मासिक retention fee of Rs. 1,000 for active folk artists (aged 18-60)
•Additional payment of Rs. 1,000 per day for performing at government campaign campaigns

Migrant Workers Death Assistance Scheme

कौन आवेदन कर सकता है:

Nominees of deceased registered migrant workers from West Bengal

मुख्य लाभ:
•Financial grant of Rs. 2 Lakhs paid to the nominee in case of accidental death while working outside the state
•Financial grant of Rs. 50,000 in case of natural death while working outside the state

Migrant Workers Welfare Scheme

कौन आवेदन कर सकता है:

West Bengal citizens working or planning to work outside the state in unorganized roles

मुख्य लाभ:
•Emergency repatriation support during crises or lockouts
•Financial grant of Rs. 25,000 for accidental injury/hospitalization

Refund of Subscriptions for Construction Workers

कौन आवेदन कर सकता है:

Registered construction workers in WB reaching 60 वर्ष of age with active contributions

मुख्य लाभ:
•Refund of the entire accumulated registration subscription amount along with a compound interest rate of 8% on retirement (60 वर्ष)

Pension Scheme for Journalists

कौन आवेदन कर सकता है:

Retired media personnel and editors aged 60+ with 20-year service histories in West Bengal

मुख्य लाभ:
•मासिक social security pension of Rs. 2,500 credited to bank account for life

Old Age Pension for Transgender Persons

कौन आवेदन कर सकता है:

Transgender individuals in WB aged 60+ without stable income sources

मुख्य लाभ:
•मासिक pension allowance of Rs. 1,000 transferred directly to Aadhaar-linked bank accounts

Old Age Pension to Sex Workers

कौन आवेदन कर सकता है:

Retired female sex workers in WB aged 60+ requiring social security supports

मुख्य लाभ:
•मासिक pension support of Rs. 1,000 credited to savings bank accounts for lifetime sustenance

Refund of Subscriptions (BSY/BMSSY)

कौन आवेदन कर सकता है:

Registered construction workers in WB reaching 60 वर्ष of age with active contributions

मुख्य लाभ:
•Refund of the entire accumulated registration subscription amount along with a compound interest rate of 8% on retirement (60 वर्ष)

Repatriation of Dead Body

कौन आवेदन कर सकता है:

Next-of-kin of deceased registered migrant workers from WB requiring transportation cost refunds

मुख्य लाभ:
•Financial grant of Rs. 25,000 paid to the dependents for the transportation of the mortal remains of the deceased worker back to their home in West Bengal

Rajya Khadya Suraksha Yojana

कौन आवेदन कर सकता है:

Poor families in West Bengal without active digital राशन कार्डs under NFSA

मुख्य लाभ:
•RKSY-I: 5 kg मुफ्त foodgrains (rice/wheat) per head per month
•RKSY-II: 1 kg foodgrains per head per month at highly subsidized rate (Rs. 2/kg for wheat, Rs. 3/kg for rice)

Rajya Khadya Suraksha Yojana

कौन आवेदन कर सकता है:

Poor families in West Bengal without active digital राशन कार्डs under NFSA

मुख्य लाभ:
•RKSY-I: 5 kg मुफ्त foodgrains (rice/wheat) per head per month
•RKSY-II: 1 kg foodgrains per head per month at highly subsidized rate (Rs. 2/kg for wheat, Rs. 3/kg for rice)

Cremation Scheme

कौन आवेदन कर सकता है:

Nominees or family members of deceased unorganized workers registered in West Bengal

मुख्य लाभ:
•One-time financial grant of Rs. 3,000 for funeral and cremation expenses of a registered worker
•Provides immediate relief to the nominee or dependent family members

Pension Benefit Scheme

कौन आवेदन कर सकता है:

Registered unorganized workers in West Bengal who have reached 60 वर्ष of age

मुख्य लाभ:
•मासिक old age pension of Rs. 1,000 to retired unorganized sector workers
•Ensures post-retirement livelihood and social security for unorganized labourers

अटल पेंशन योजना (APY)

कौन आवेदन कर सकता है:

18 से 40 वर्ष की आयु के असंगठित क्षेत्र के भारतीय नागरिक (जो आयकर दाता नहीं हैं)।

मुख्य लाभ:
•60 वर्ष की आयु के बाद ₹1,000 से ₹5,000 मासिक सुनिश्चित पेंशन
•ग्राहक की मृत्यु पर जीवनसाथी को समान पेंशन आजीवन

PM Jeevan Jyoti Bima Yojana (PMJJBY)

कौन आवेदन कर सकता है:

All भारतीय नागरिकs aged 18-50 who hold a savings bank account and want affordable life insurance

मुख्य लाभ:
•Life insurance cover of Rs. 2 Lakh payable to the nominee in the event of the subscriber's death due to any cause (natural or accidental)
•Annual premium of only Rs. 436 — auto-debited from bank account, making it one of the cheapest term life insurance policies in India

प्रधानमंत्री सुरक्षा बीमा योजना

कौन आवेदन कर सकता है:

All भारतीय नागरिकs aged 18-70 who want affordable accidental death and disability insurance

मुख्य लाभ:
•Accidental death cover of Rs. 2 Lakh payable to the nominee
•Total permanent disability cover of Rs. 2 Lakh (loss of both eyes, both hands, both feet, or loss of one eye and one hand/foot)

पीएम स्वनिधि स्ट्रीट वेंडर ऋण योजना

कौन आवेदन कर सकता है:

Urban street vendors, hawkers, and cart operators in India

मुख्य लाभ:
•Collateral-मुफ्त working capital loan of Rs. 10,000 (1st tranche), Rs. 20,000 (2nd tranche), and Rs. 50,000 (3rd tranche)
•Interest subsidy of 7% per annum on timely repayments

PM Garib Kalyan Anna Yojana

कौन आवेदन कर सकता है:

Poor and vulnerable families in India seeking मुफ्त food security support

मुख्य लाभ:
•मुफ्त supply of 5 kg foodgrains (rice/wheat) per person per month to all PHH cardholders
•मुफ्त supply of 35 kg foodgrains per family per month to AAY cardholders

National Social Assistance Programme (NSAP)

कौन आवेदन कर सकता है:

Elderly, widowed, or disabled individuals from BPL families in India

मुख्य लाभ:
•Direct मासिक pension support (varies by sub-schemes like IGNOAPS, IGNWPS) from Rs. 200 to Rs. 1,000, supplemented by matching state contributions

Indira Gandhi National Old Age Pension Scheme

कौन आवेदन कर सकता है:

Seniors aged 60+ from BPL households in India

मुख्य लाभ:
•मासिक pension of Rs. 200 (for ages 60-79) and Rs. 500 (for ages 80+), typically matched by state contributions (totalling Rs. 1,000/month in WB)

Indira Gandhi National Widow Pension Scheme

कौन आवेदन कर सकता है:

Widows aged 40-79 belonging to BPL households in India

मुख्य लाभ:
•मासिक pension of Rs. 300, supplemented by state contributions (totalling Rs. 1,000/month in WB) credited directly to bank account

Indira Gandhi National Disability Pension Scheme

कौन आवेदन कर सकता है:

Severely disabled persons aged 18-79 from BPL households in India

मुख्य लाभ:
•मासिक pension of Rs. 300 (Rs. 500 after 80 वर्ष), supplemented by state contributions (totalling Rs. 1,000/month in WB)

National Family Benefit Scheme

कौन आवेदन कर सकता है:

Nominees/survivors of deceased primary breadwinners aged 18-59 in BPL households

मुख्य लाभ:
•One-time financial grant assistance of Rs. 20,000 paid to the surviving head of the household in case of the primary breadwinner's death

Assam Orunodoi 3.0 Scheme

कौन आवेदन कर सकता है:

महिलाएं from economically weaker households in Assam with NFSA राशन कार्डs

मुख्य लाभ:
•मासिक financial assistance of Rs. 1,250 (base amount) deposited via DBT
•Additional Rs. 250/month as LPG subsidy (effective January 2026), bringing total to Rs. 1,500/month for पात्र families

Punjab Aashirwad Scheme (Marriage Assistance)

कौन आवेदन कर सकता है:

SC/BC/Christian/EWS families in Punjab with daughters getting married

मुख्य लाभ:
•One-time financial grant of Rs. 51,000 for the marriage of पात्र daughters
•Amount transferred directly to the bride's Aadhaar-linked bank account via DBT