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Atal Beemit Vyakti Kalyan Yojana

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.

Ministry / Department
Ministry Of Labour and Employment
Level
Central
Benefit type
other
Last verified: 18 Jun 2026

Atal Beemit Vyakti Kalyan Yojana क्या है?

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.

लाभ
1. यह योजना कर्मचारियों को उनके पिछले रोजगार के दौरान औसत प्रति दिन आय का 50 प्रतिशत तक राहत प्रदान करती है। 1. राहत राशि का भुगतान बेरोजगारी के अधिकतम 90 दिनों (जीवनकाल में एक बार) तक किया जाना चाहिए, बशर्ते कि कर्मचारी को दो साल का बीमायोग्य रोजगार पूरा कर लिया हो और लगातार तीन योगदान अवधि में से प्रत्येक में कम से कम 78 दिनों का योगदान दिया हो। 1. आई. पी. इस राहत का लाभ उठाने की अवधि के लिए अधिनियम के तहत प्रदान किए गए चिकित्सा लाभों के लिए पात्र होगा। * * टिप्पणी 1: बीमित व्यक्ति को अपनी बेरोजगारी से तुरंत पहले कम से कम दो साल की अवधि के लिए बीमाकृत रोजगार में होना चाहिए था और बेरोजगारी से तुरंत पहले की योगदान अवधि में कम से कम 78 दिनों के लिए और बेरोजगारी से पहले दो वर्षों में शेष तीन योगदान अवधि में से एक में कम से कम 78 दिनों के लिए योगदान करना चाहिए था। * * बेरोजगारी की तारीख के 30 दिन बाद दावा देय हो जाएगा। पहिने ई अवधि 90 दिनक छल।
स्तर
Central
मंत्रालय / विभाग
Ministry Of Labour and Employment
लाभ का प्रकार
other
मुख्य पात्रता
The Insured Person (IP) should have been rendered unemployed during the period the relief is claimed.
अंतिम सत्यापन
18 Jun 2026

योजना का विवरण

कर्मचारी राज्य बीमा निगम (ई. एस. आई. सी.) द्वारा बेरोजगार हो चुके बीमित व्यक्तियों (आई. पी.) को राहत प्रदान करने के लिए पायलट आधार पर 2 साल की अवधि के लिए "अटल बीमित व्यक्ति कल्याण योजना (ए. बी. वी. के. वाई.)" योजना शुरू की गई थी। इस योजना के तहत बेरोजगारी के अधिकतम 90 दिनों तक प्रति दिन औसत आय के 50 प्रतिशत की सीमा तक नकद मुआवजे के रूप में राहत का भुगतान किया गया था, बशर्ते कि कर्मचारी को बीमा योग्य रोजगार के दो साल पूरे करने चाहिए थे और राहत के दावे से ठीक पहले लगातार तीन योगदान अवधि में से प्रत्येक में कम से कम 78 दिनों का योगदान दिया हो।

लाभ

1. यह योजना कर्मचारियों को उनके पिछले रोजगार के दौरान औसत प्रति दिन आय का 50 प्रतिशत तक राहत प्रदान करती है। 1. राहत राशि का भुगतान बेरोजगारी के अधिकतम 90 दिनों (जीवनकाल में एक बार) तक किया जाना चाहिए, बशर्ते कि कर्मचारी को दो साल का बीमायोग्य रोजगार पूरा कर लिया हो और लगातार तीन योगदान अवधि में से प्रत्येक में कम से कम 78 दिनों का योगदान दिया हो। 1. आई. पी. इस राहत का लाभ उठाने की अवधि के लिए अधिनियम के तहत प्रदान किए गए चिकित्सा लाभों के लिए पात्र होगा। * * टिप्पणी 1: बीमित व्यक्ति को अपनी बेरोजगारी से तुरंत पहले कम से कम दो साल की अवधि के लिए बीमाकृत रोजगार में होना चाहिए था और बेरोजगारी से तुरंत पहले की योगदान अवधि में कम से कम 78 दिनों के लिए और बेरोजगारी से पहले दो वर्षों में शेष तीन योगदान अवधि में से एक में कम से कम 78 दिनों के लिए योगदान करना चाहिए था। * * बेरोजगारी की तारीख के 30 दिन बाद दावा देय हो जाएगा। पहिने ई अवधि 90 दिनक छल।

पात्रता

  • बीमित व्यक्ति (आई. पी.) को राहत का दावा करने की अवधि के दौरान बेरोजगार कर दिया जाना चाहिए था। 1. बीमित व्यक्ति को न्यूनतम दो वर्ष की अवधि के लिए बीमाकृत रोजगार में होना चाहिए। 1. बीमित व्यक्ति को पिछली तीन योगदान अवधि में से प्रत्येक के दौरान कम से कम 78 दिनों का योगदान देना चाहिए था। 1. उसके संबंध में योगदान नियोक्ता द्वारा भुगतान या देय किया जाना चाहिए था। 1. बेरोजगारी आकस्मिकता कदाचार, सेवानिवृत्ति या स्वैच्छिक सेवानिवृत्ति के लिए किसी भी सजा के परिणामस्वरूप नहीं होनी चाहिए थी। 1. बीमित व्यक्ति के आधार और बैंक खाते को बीमित व्यक्ति के डेटाबेस से जोड़ा जाना चाहिए। * * नोट: ई. एस. आई. अधिनियम के अंतर्गत आने वाले सभी बीमित व्यक्ति इस योजना के तहत हकदार हैं और योजना के प्रशासन के लिए किसी अलग पंजीकरण की आवश्यकता नहीं है। * * 1. यदि आई. पी. एक से अधिक नियोक्ताओं के लिए काम कर रहा है और ई. एस. आई. योजना के अंतर्गत आता है तो उसे केवल तभी बेरोजगार माना जाएगा जब वह सभी नियोक्ताओं के साथ बेरोजगार हो जाता है। 1. जैसा कि ई. एस. आई. अधिनियम की धारा 65 में निर्दिष्ट किया गया है, एक आई. पी. उसी अवधि के लिए एक साथ ए. बी. वी. के. वाई. के तहत किसी अन्य नकद मुआवजे और राहत का हकदार नहीं होगा। हालांकि, ई. एस. आई. अधिनियम और विनियमों के तहत स्थायी विकलांगता लाभ (पी. डी. बी.) का आवधिक भुगतान जारी रहेगा। 1. जैसा कि ई. एस. आई. अधिनियम की धारा 61 के तहत निर्दिष्ट किया गया है, एक आई. पी. जो ए. बी. वी. के. वाई. के तहत राहत की प्राप्ति कर रहा है, वह किसी अन्य अधिनियम के प्रावधानों के तहत स्वीकार्य कोई समान लाभ प्राप्त करने का हकदार नहीं होगा। * * 1. तालाबंदी के दौरान 1. सक्षम प्राधिकारी द्वारा अवैध घोषित कर्मचारियों द्वारा की गई हड़ताल 1. नौकरी/स्वैच्छिक सेवानिवृत्ति/समयपूर्व सेवानिवृत्ति का स्वैच्छिक परित्याग। दो वर्ष से कम की अंशदायी सेवा 1. सेवानिवृत्ति की आयु प्राप्त करने पर 1ईएस. आई. (केंद्रीय) नियम 1 के नियम 62 के साथ पठित ई. एस. आई. अधिनियम की धारा 84 के प्रावधानों के तहत दोषी ठहराया गया (यानी झूठे बयान के लिए दंडित)। उस अवधि के दौरान कहीं और फिर से कार्यरत होने पर उसे एबीवीकेवाई 1 के तहत राहत की प्राप्ति होती है। अनुशासनात्मक कार्रवाई के तहत बर्खास्तगी/समाप्ति। आई. पी. की मृत्यु पर
क्षेत्र: Indiaलाभ: other

आवश्यक दस्तावेज़

  • ✓ Aadhaar card
  • ✓ Bank passbook/cancelled cheque leaf (Account number, IFSC code, Branch name)
  • ✓ Insurance detail
  • ✓ Address proof
  • ✓ Employer detail
  • ✓ An affidavit
  • ✓ Salary Slip for last two months
  • ✓ Attendance sheet of the applicant
  • ✓ Any other relevant documents, if required

आवेदन कैसे करें

  1. चरण 1: Online — Step 01

    To submit an online claim, the application can be made online at the website: https://esic.gov.in/

  2. चरण 2: Online — Step 02

    On the home page of the official website: Services-->Employees -->IP Portal -->Select Insured Person -->Sign Up.

  3. चरण 3: Online — Step 03

    For new users ‘Sign-Up’ is required to fill Insurance Number, Date of Birth, and Mobile Number after that get the User Name and password.

  4. चरण 4: Online — Step 04

    Now, the applicant can login through his/her credentials and select the scheme to claim the benefits.

  5. चरण 5: Online — Step 05

    Fill in all the mandatory details in the form including bank details etc.

  6. चरण 6: Online — Step 06

    Download the AB-1 Form and fill in all the details wherever required. The scanned copy of the completely filled AB-1 Form and Aadhaar Card can be uploaded on the website.

  7. चरण 7: Online — Step 07

    After uploading all the required documents, the application form can be submitted.

  8. चरण 8: Online — Step 08

    Now, the applicant will take the printouts of the claim submitted above and the letter to the employer thus generated by the system and submit the duly signed claim in an affidavit along with the required forwarding by the employer to his designated ESIC Branch Office.

  9. चरण 9: Online — Step 09

    On receipt of the claim the details as mentioned by the applicant IP will be checked in the system by the staff at the Branch Office under the supervision of the Branch Manager. The system will calculate the claimant's eligibility for relief under the scheme and the quantum to which the claimant is entitled based upon the details provided by the IP as well as the contribution and other details available in the system. The payment of the relief will be made to the IP's bank account. > Mode of payment: 1. The relief under ABVKY will be electronically transferred directly to the bank accounts of Insured Persons (IPs) by the Branch Office. 1. 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. 1. 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. <br>

FAQ

What is the “ABVKY” 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.

Which is the implementing agency of this scheme?

Employees' State Insurance Corporation (ESIC), Ministry of Labour & Employment, Government of India

What are the eligibility criteria to apply under the scheme?

* 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 four 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.

What are the conditions for the Disqualification/Termination of relief under ABVKY?

1. During lockout 2. Strike resorted to by the employees declared illegal by the competent authority 3. Voluntary abandonment of employment/ voluntary retirement/ premature retirement 4. Less than two years of contributory service 5. On attaining the age of superannuation 6. Convicted (i.e. punished for false statement) under the provisions of Section 84 of the ESI Act read with Rule 62 of the ESI (Central) Rule 7. On being re-employed elsewhere during the period he/she is in receipt of Relief under ABVKY 8. Dismissal/termination under disciplinary action 9. On the death of IP

What are the benefits of this scheme?

* 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 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.

What is the minimum employment period required to be eligible for Unemployment Insurance?

The insured person should have been in insurable employment for a minimum period of two years immediately before their unemployment.

How many days of contribution are required in the contribution period preceding unemployment?

The insured person should have contributed for not less than 78 days in the contribution period immediately preceding the unemployment.

Are there any additional contribution requirements in the two years prior to unemployment?

Yes, in addition to the 78 days in the immediate preceding contribution period, the insured person must also have a minimum of 78 days of contribution in one of the remaining three contribution periods within the two years prior to unemployment.

When does an Unemployment Insurance claim become due?

An Unemployment Insurance claim becomes due 30 days after the date of unemployment.

Can an individual covered under the ESI scheme be considered unemployed if working for more than one employer?

No, under the ESI scheme, an individual working for multiple employers will be considered unemployed only if they are rendered unemployed with all employers simultaneously.

What happens if an individual covered under the ESI scheme is unemployed with only one of the multiple employers?

If an individual covered under the ESI scheme is unemployed with only one of the multiple employers, they will not be considered unemployed for the purposes of ESI benefits. Unemployment status is determined when an individual is unemployed with all employers simultaneously under the scheme.

Do all Insured Persons covered under the ESI Act need to register separately to avail themselves of the scheme benefits?

No, all Insured Persons covered under the ESI Act are automatically entitled to the scheme benefits, and no separate registration is required. The entitlement is based on the coverage under the ESI Act, and eligible individuals are granted access to the benefits without the need for additional registration.

Does the scheme cover the IPs who was unemployed during the lockdown but are now working?

Such employees, if fulfil the required eligibility conditions are eligible for relief under the scheme. But the claimant must have been unemployed during the period of claim.

What is the age of superannuation?

The age of superannuation of any insured person is company specific as per company's policy in accordance with law. As per the explanation under Section 56 of the ESI Act the age of superannuation can be taken as age of sixty years.

How to apply under the scheme?

The application for the claims benefits can be made online at website www.esic.in along with submission of the physical claim with an affidavit, photocopy of Aadhaar Card and Bank Account details to the designated ESIC Branch Office by post or in person.

Sources & References

Ready to apply?

Applications are accepted only on the official government portal.

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