Bina Mulya Samajik Suraksha Yojana is a special scheme by the West Bengal government aimed at helping workers in the unorganized sector. Many workers in this sector don’t get the same benefits from government schemes. To fix this, the government created a plan that combines all these benefits into one. This way, everyone gets equal support. This article will tell you all about Bina Mulya Samajik Suraksha Yojana 2025—who can apply, how to register, and what benefits you’ll get.
About Bina Mulya Samajik Suraksha Yojana 2025
The West Bengal government started this scheme to give fair benefits to unorganized workers like those in industries, transport, construction, and self-employment. Earlier, workers had to pay Rs 25 every month into their provident fund savings, but since April 2020, the government pays this amount for you. This helps you save money while still getting support from the government.
Main Goal of Bina Mulya Samajik Suraksha Yojana
The main aim is to bring many small schemes together so that every unorganized worker gets good and equal benefits. This scheme improves workers’ living standards and helps them become more independent and respected in society.
Main Facts about the Scheme
| Scheme Name | Bina Mulya Samajik Suraksha Yojana |
| Launched By | Government of West Bengal |
| Who Can Benefit | Unorganized workers in West Bengal |
| Objective | Provide combined benefits from various government schemes |
| Official Website | https://bmssy.wblabour.gov.in/ |
| Year | 2025 |
| Apply Mode | Online and Offline |
| State | West Bengal |
Benefits and Main Features of Bina Mulya Samajik Suraksha Yojana
- Combines different benefits for unorganized sector workers to avoid gaps.
- Includes workers in industries, self-employment, construction, and transport.
- The government pays your monthly provident fund contribution.
- Improves workers’ living standards and social status.
- Helps workers become more financially independent.
Provident Fund Benefits
- You save money in the provident fund without paying Rs 25 monthly—the government covers this.
- The government adds an extra Rs 30 as a matching grant to your savings.
- You earn interest on your savings according to government rates.
- At 60 years or if you leave the scheme or pass away, total savings plus interest go to you or your nominee.
- Accounts inactive for 3 years get closed but can be reopened if you ask.
- No payment for missed contributions is allowed.
Health and Family Support
- Rs 20,000 per year for treatments requiring hospitalization or outdoor care for you or your family.
- Full coverage for clinical tests, medicines, and hospital treatment costs.
- Loss of income payment: Rs 1,000 for the first 5 days, Rs 100 per day up to Rs 10,000.
- Rs 60,000 financial help yearly for surgery costs.
- Multiple claims allowed but only up to the yearly limit.
Death and Disability Help
- In case of accidental death, Rs 2,00,000 goes to your nominee.
- In natural death, nominee gets Rs 50,000.
- If you have 40% or more disability, Rs 50,000 is given.
- Major losses (eyes, hands, feet) have specific compensation amounts between Rs 1,00,000 to Rs 2,00,000.
Education Assistance
- Children of beneficiaries get yearly education help based on their study level:
- Class 11th: Rs 4,000
- Class 12th: Rs 5,000
- ITI training: Rs 6,000
- Undergraduate studies: Rs 6,000
- Postgraduate studies: Rs 10,000
- Polytechnic: Rs 10,000
- Engineering/Mechanical: Rs 30,000
- Financial aid of Rs 25,000 for daughters who complete undergraduate studies and remain unmarried until then (max 2 daughters).
- Not available for students receiving Swami Vivekananda Scholarship.
- Must study in recognized government institutions.
- Beneficiaries can’t get other government scholarships at the same time.
Skill and Safety Training
- Free skill development and safety training provided through state programs.
- Funds come from various government sources, including cess from construction and transport work.
- The labour department supports skill growth for unorganized workers and their families.
Account Management and Audit
- The state government pays all the administrative costs related to this scheme.
- Funds come from government grants and worker contributions.
- Accounts are kept separately and audited regularly.
- Annual performance and financial reports are sent to the state government.
- Yearly budget plans are shared with the state to allocate funds.
Bina Mulya Samajik Suraksha Yojana Card
- Your old Samajik Mukti Card (SMC) is still valid if you have one.
- New workers will get a new SMC to receive scheme benefits.
- SMC cards work at labor offices in districts, subdivisions, and labour welfare centers across the state.
Who Can Apply?
- You must be a permanent resident of West Bengal.
- Your age should be between 18 and 60 years.
- Family income should be less than Rs 6,500 per month.
Documents You Need
- Aadhar Card
- Ration Card
- Residence Certificate
- Passport Size Photo
- Mobile Number
- Email ID
- Caste Certificate
- Income Certificate
How to Register for the Scheme
- Visit the official website.
- On the homepage, click on “New Registration”.
- Fill in your details such as worker category, name, date of birth, email, mobile number, ID proof, caste, ration card info, religion, gender, marital status, parents’ names, and family income.
- Click on “Register”.
- Login using your username and password.
- Go to your dashboard to add nominee and dependent details.
- Fill bank account and application details like address, nominee, dependent, and document info.
- Submit your completed form.
How to Login
- Go to the official site.
- Click “Login” on the homepage.
- Enter your username and password.
- Click “Login” to access your account.
How to Download Forms
- Visit the official website.
- Click on “View and Download Forms”.
- Select and download the required form as a PDF.
How to Find Help Desk Information
- Go to the official website.
- Click on “Contact Us” to see helpdesk details.
How to Search Your Details
- Open the official website.
- Click “Search Your Details” on the homepage.
- Enter the required information and click “Submit”.
Contact Information
- Address: 11th Floor, New Secretariat Building, 1 Kiran Shankar Roy Road, Kolkata-700001.
- Helpline Number: 18001030009.
If you are a worker in West Bengal’s unorganized sector, this scheme can give you valuable benefits and support. Don’t miss out on registering to secure your future.