Government Schemes for Skilled Workers

For traditional craftsmen and artisans — carpenters, blacksmiths, masons, cobblers, tailors, potters, electricians and 12 other trades. Free training, toolkit grant, and low-interest credit.

Free skill training in 300+ job roles including electrical, plumbing, solar installation, AC mechanics, welding, and construction. NSQF-certified, government-recognised certification after training.

Learn while you earn. Apprenticeship in electrical, plumbing, welding, HVAC and 500+ trades. Government reimburses 25% of stipend to employers, making apprenticeships widely available.

Business loans up to ₹10 lakh without any collateral. For self-employed electricians, plumbers, carpenters to buy tools, expand work, or start a small business.

Working capital loans for street vendors, mobile electricians, plumbers and other service workers who operate without a fixed shop. Start from ₹10,000, scale up to ₹50,000.

Subsidy-linked loan to set up a micro enterprise in manufacturing or services. Skilled tradespeople can use this to open their own electrical, plumbing or carpentry workshop.

Bank loans from ₹10 lakh to ₹1 crore for SC/ST and women entrepreneurs to set up greenfield enterprises in manufacturing, services or trading.

The most important first step for every unorganised worker. Register once and get ₹2 lakh accident insurance free, plus automatic eligibility for future welfare schemes.

Accidental death and disability insurance for just ₹20 per year. If you work in electrical or construction — this is essential. ₹2 lakh cover for accidental death, ₹1 lakh for partial disability.

₹2 lakh life insurance for your family at just ₹436 per year — auto-debited from bank account. Covers death due to any reason, not just accidents.

Dedicated welfare for construction workers — masons, carpenters, electricians, painters, welders. Covers pension, accident, maternity, child education, and housing loans.

Government-guaranteed pension of ₹1,000–5,000/month after age 60. Contribute a small amount monthly based on your age. Start young — the younger you start, the lower your contribution.

Free health insurance of ₹5 lakh per year for eligible families. Cashless hospitalisation at 25,000+ empanelled hospitals across India. Covers surgery, ICU, medicines, pre and post care.

If you work in a registered establishment with 10+ employees, you're entitled to ESIC — full medical cover for you and your family, sick pay, maternity, disability, and death benefits.

Interest subsidy on home loans for economically weaker sections and lower income groups. If you're building or buying your first house, you may get up to ₹2.67 lakh interest subsidy.

Guaranteed 100 days of wage employment per year for rural households. Relevant during lean seasons when skilled tradespeople have less work — provides income security.

If you don't have a bank account — open one free. Jan Dhan account is the gateway to all government schemes, direct benefit transfers, and insurance. Comes with a RuPay debit card and ₹2L accident cover.