Atal Beemit Vyakti Kalyan Yojana 2026: 50% Daily Wage Relief & Eligibility

At a glance

About the scheme

Introduced by the Employees' State Insurance Corporation (ESIC) under the Ministry of Labour and Employment, the Atal Beemit Vyakti Kalyan Yojana (ABVKY) supports insured workers who lose their jobs. The initiative provides financial relief equal to 50% of the worker's average per-day wages for a maximum of 90 days of joblessness, alongside continuing medical benefits under the ESI Act. Relief claims become admissible 30 days after job loss, ensuring crucial financial protection while job seekers search for new employment opportunities.

Benefits

• Cash compensation of up to 50% of the average per day earnings from the last employment.
• Financial relief payable for a maximum of 90 days of unemployment once in a lifetime.
• Continuation of medical benefits under the ESI Act during the relief period.

Who can apply (eligibility)

• The applicant must be an Insured Person (IP) covered under the ESI Act and rendered unemployed during the claim period.
• Must have completed a minimum of two years of insurable employment immediately before unemployment.
• Must have contributed for at least 78 days in the contribution period immediately preceding unemployment.
• Must have contributed at least 78 days in each of the three consecutive contribution periods (or at least 78 days in one of the remaining three contribution periods within two years prior to unemployment).
• Contributions in respect of the worker must have been paid or payable by the employer.
• Aadhaar and bank account of the insured person must be linked with the ESIC database.
• If employed with multiple employers, the individual must be unemployed with all employers simultaneously.

Who cannot apply

• Unemployment arising from punishment for misconduct, dismissal, or termination under disciplinary action.
• Job loss resulting from superannuation or attaining retirement age.
• Voluntary abandonment of employment, voluntary retirement, or premature retirement.
• Unemployment during lockouts or illegal strikes declared by competent authorities.
• Persons with less than two years of contributory service.
• Individuals re-employed elsewhere while receiving relief under this scheme.
• Conviction for false statements under Section 84 of the ESI Act read with Rule 62 of the ESI (Central) Rules.
• Simultaneous receipt of other cash benefits or similar compensation under other enactments for the same period (except Permanent Disability Benefit).

Documents required

• Aadhaar card
• Bank passbook or cancelled cheque leaf (displaying account number, IFSC code, and branch name)
• Insurance details (ESIC Insurance Number)
• Proof of address
• Employer details
• Duly signed affidavit
• Salary slips for the last two months
• Attendance sheet of the applicant
• Filled Form AB-1

How to apply

1. 1Visit the official ESIC portal at esic.gov.in and navigate to Services, then Employees, and choose IP Portal.
2. 2Sign up using your Insurance Number, Date of Birth, and Mobile Number to generate your login credentials, or log in if already registered.
3. 3Log in to the portal and choose the Atal Beemit Vyakti Kalyan Yojana scheme option to raise a claim.
4. 4Fill in all required personal, employment, and bank details in the online claim form.
5. 5Download Form AB-1, fill in the required sections, and upload scanned copies of Form AB-1 and your Aadhaar card.
6. 6Submit the online claim and print the generated claim form and employer forwarding letter.
7. 7Submit the printed claim along with an affidavit and required employer forwarding to your designated ESIC Branch Office by post or in person.

Frequently asked questions