e-Shram Card 2026 — Register, Benefits & Insurance Guide

e-Shram is India's national database of unorganized workers. By registering on the e-Shram portal, workers get a Universal Account Number (UAN) and access to multiple government welfare schemes including ₹2 lakh accident insurance under PMSBY.

Who Should Register for e-Shram?

Eligible workers: Any worker aged 16–59 years in the unorganized sector who is NOT a member of EPFO (Employee Provident Fund) or ESIC (Employee State Insurance Corporation).

Includes:

• Construction workers (masons, carpenters, laborers)
• Agricultural workers (farm laborers, tenants, sharecroppers)
• Domestic workers (house help, maids, cooks)
• Street vendors, small traders, hawkers
• Transport workers (auto drivers, taxi drivers, loaders)
• Garment/textile workers
• Beedi workers, brick kiln workers
• Fishermen, salt workers
• Gig workers (delivery workers, freelancers)

NOT eligible:

• EPFO members (PF account holders — organized sector employees)
• ESIC members
• Income tax payers
• MNREGA workers (already separately registered)

Benefits of e-Shram Card

e-Shram Registration — Step by Step Online

1. Go to eshram.gov.in
2. Click "Register on e-SHRAM"
3. Enter Aadhaar-linked mobile number → OTP
4. Enter Aadhaar number → OTP on Aadhaar-registered mobile
5. Aadhaar data auto-filled (name, DOB, gender, address)
6. Fill additional details:
   • Type of work / occupation
   • Monthly income range
   • Migrant worker status (yes/no)
   • Bank account details (for future scheme payments)
7. Preview and submit
8. e-Shram Card generated instantly → Download (UAN on card)

Entire process takes 5–10 minutes — no documents to upload!

Register via CSC / Mobile (If No Internet)

If no personal internet:

1. Visit nearest CSC (Common Service Centre / Jan Seva Kendra)
2. Operator registers on your behalf
3. Bring: Aadhaar card + mobile number (Aadhaar-linked)
4. ₹20 nominal fee at CSC (government has also run free camps)

Download e-Shram Card

If registered, download UAN card:

1. eshram.gov.in → "Already Registered? Login"
2. Enter registered mobile + OTP
3. Download e-Shram card (PDF with UAN)
4. Or: Download via UMANG app → e-Shram section

PMSBY Insurance — How to Claim

PMSBY (Pradhan Mantri Suraksha Bima Yojana): ₹2 lakh accidental death insurance, ₹1 lakh partial disability — linked to e-Shram registration.

To claim (in case of accident):

1. File FIR (for road accident, etc.)
2. Notify bank where e-Shram UAN is linked
3. Submit: Death certificate / medical certificate + hospital bills
4. Insurance company processes claim through the bank
5. Settlement: 30–45 days

Year 2 onwards: Auto-debit of ₹20/year from bank account to renew PMSBY.

PM Shram Yogi Maan-Dhan (PMSYM) — Pension Scheme

Separate pension scheme (not automatic with e-Shram — need separate enrollment):

• Workers aged 18–40 with income < ₹15,000/month
• Monthly contribution: ₹55–₹200/month (based on age)
• Government matches contribution
• Pension: ₹3,000/month from age 60
• Enroll at CSC with Aadhaar + bank account

e-Shram Card — Frequently Asked Questions

I'm a construction worker with daily wages — do I need e-Shram card? Yes — construction workers are one of the primary target groups. Register immediately to get ₹2 lakh free insurance and access to future welfare payments. Your UAN will be used for all government cash transfers.

My Aadhaar mobile number is different from my current number — how to register? You need Aadhaar OTP (on Aadhaar-linked mobile) for e-Shram registration. First update your mobile number in Aadhaar at nearest Aadhaar Seva Kendra. Then register for e-Shram.

e-Shram registered but I'm not getting any money — why? e-Shram is a database/registration platform, not a cash transfer scheme by itself. Schemes like PM-Kisan, PMAY, SVANidhi are separate — e-Shram registration helps you link to them. Ask at your local Block Development Office which schemes you're eligible for based on your e-Shram profile.

Can gig workers (Swiggy/Zomato delivery) register for e-Shram? Yes — gig/platform workers are explicitly included. Register under "Transport" or "Service" category. Access PMSBY insurance and future gig worker welfare fund benefits.

e-Shram card expired — does it need renewal? e-Shram UAN is a permanent number. No expiry. However, update your details if you change occupation, bank account, or address. Login at eshram.gov.in to update.