Atal Beemit Vyakti Kalyan Yojana

About This Scheme

The scheme “Atal Beemit Vyakti Kalyan Yojana (ABVKY)” was introduced by the Employees’ State Insurance Corporation (ESIC) on a pilot basis for a period of 2 years w.e.f. 01.07.2018 for providing relief to the Insured Persons (IPs) who have become unemployed. Under this scheme relief in the form of cash compensation to the extent of 50% of the average per day earnings was paid up to a maximum of 90 days of unemployment subject to conditions that the employee should have completed two years of Insurable employment and has contributed not less than Seventy-Eight (78) days in each of the three consecutive contribution periods immediately preceding to the claim of the relief.

What You Get

As set out by Ministry Of Labour and Employment.

• The scheme provides relief to the extent of 50% of the average per day earnings of employees during their last employment.
• The relief amount to be paid up to a maximum of 90 days of unemployment (once in a lifetime) subject to conditions that the employee should have completed two years of Insurable employment and has contributed not less than Seventy-Eight (78) days in each of the three consecutive contribution periods.
• The IP will be eligible for Medical benefits as provided under the Act for the period he is availing this relief.
• Note 01: The Insured Person should have been in insurable employment for a minimum period of two years immediately before his/her unemployment and should have contributed for not less than 78 days in the contribution period immediately preceding the unemployment and a minimum of 78 days in one of the remaining three contribution periods in two years prior to unemployment.
• Note 02: Claim shall become due 30 days after the date of unemployment. Earlier this period was 90 days.

Am I Eligible?

You may be eligible if all of these are true for you.

• The Insured Person (IP) should have been rendered unemployed during the period the relief is claimed.
• The Insured Person should have been in insurable employment for a minimum period of two years.
• The Insured Person should have contributed not less than 78 days during each of the preceding three contribution periods.
• The contribution in respect of him/her should have been paid or payable by the employer.
• The unemployment contingency should not have resulted from any punishment for misconduct, superannuation, or voluntary retirement.
• The Aadhaar and Bank Account of the Insured Person should be linked with the insured person database.
• Note: All the Insured Persons covered under the ESI Act are entitled under the scheme and no separate registration is required.
• In case the IP is working for more than one employer and is covered under the ESI scheme he will be considered unemployed only in case he is rendered unemployed with all employers.

Final eligibility is decided by the government department handling this scheme.

Required Documents

The official source does not publish a document checklist for this scheme. Check the scheme guidelines below, or ask at the office where you apply, before you set off.

How to Apply

1. 1 The relief under ABVKY will be electronically transferred directly to the bank accounts of Insured Persons (IPs) by the Branch Office.
2. 2 In the event of the death of IP, the amount of Relief under ABVKY shall be paid/ payable to his/her nominee/legal heir as prescribed under Para(s) P.3.79.1 to P.3.81 of the Branch Office Manual by the account payee cheque only.
3. 3 The bank account details of the claimant in the ESIC Database are a pre-condition for claiming this relief, but in case the bank account details of the claimant are not available in the ESIC Database or the IP has changed his bank account then the same may be authenticated by the Branch Manager on the basis of the cancelled cheque leaf or the passbook of the bank account having the name of the claimant on it, which the claimant will provide along with the claim for this relief.

Official Documents and Links

Published by the department that runs this scheme.

• Guidelines
• Official Website
• Application Portal
• Scheme Details