AASRA Scheme in Hubli Dharwad
AASRA
Department of Social Welfare, Government of Jammu & Kashmir
Guidance for businesses in Hubli Dharwad
The scheme "AASRA Scheme" was launched by the Department of Social Welfare, Government of Jammu & Kashmir in 2015 to provide Social Security cover to widows, Destitute, Below Poverty Line families and Breadwinners of such families whose annual income is less than ₹75000/-.
At a glance
- Scheme Name
- AASRA Scheme
- Launched By
- Department of Social Welfare, Govt. of Jammu & Kashmir
- Launch Year
- 2015 (notified 20.08.2015)
- Beneficiaries
- Widows, destitute, BPL families, low-income breadwinners
- Income Ceiling
- Annual income below ₹75,000
- Coverage
- PMSBY & PMJJBY premium borne for 5 years
Benefits
Social Security Cover:
- Provided to widows, Destitute, Below Poverty Line (BPL) families, and breadwinners of such families whose annual income is less than ₹75000/-.
Premium Borne by Government:
- The Government of Union Territory will bear the premium of two policies (PMSBY & PMJJBY) for a period of five years.
Full Coverage:
- Under this scheme, the government will cover the entire segment of the destitute and BPL families in the Union Territory.
Eligibility
- The applicant should be a permanent resident of the Union Territory of Jammu & Kashmir.
- All breadwinners of families whose total annual income is less than ₹75000/- are eligible under the scheme.
- All widows and destitute residing in the Union Territory are eligible under the scheme.
- All breadwinners of Below Poverty Line (BPL) families are eligible under the scheme.
- The intending family must establish that he/she has no source of income quantified as per the prescribed income certificate.
- The life/accident cover under the scheme will be paid only to the prescribed nominee in case of the death of the beneficiary as per the guideline outlined in the scheme.
Documents required
- Proof of Residence of the UT of Jammu & Kashmir.
- Proof of Identity.
- Proof of Age
- Income Certificate
- Passport-size photographs.
- Aadhaar Card.
- Details of the Bank Account
- BPL Card (in the case of BPL family)
- Death Certificate of Husband bearing name of legal wife/widow (If applicant is widow)
How to apply
- 1
Registration – Step 1:
- Before applying under the scheme, the user has to register using the Citizen Registration Link given on the login screen. (Already registered citizens can avail the service using the Login ID and Password generated.)
- 2
Applicant has to upload the passport-size scan photo (jpg image) in a clear background of size less than 50 KB.
- 3
Note the User ID and Password entered during registration for login and availing the service.
- 4
Select the role type 'Citizen' while entering login credentials using the Citizen User ID and Password.
- 5
After login, click on the e-services tab in the left menu and then click on the department to avail the service.
- 6
Note the Citizen ID, Username, and Password after successful registration as it will be required at the time of availing the service.
- 7
Application:
- Visit the official website and login with your credentials (https://www.jk.gov.in/jkeservices/home). At the homepage, click on the Apply button for "Aasra Scheme". Fill all mandatory details as required in the application form, ensure all information is correct, then click Submit.
About the scheme
The AASRA Scheme is a comprehensive social security scheme launched by the Jammu & Kashmir UT Government under which the government pays or reimburses the premium of two schemes—PMSBY and PMJJBY—for eligible beneficiaries.
It provides a zero-balance savings bank account to every eligible beneficiary to avail insurance coverage, with the UT Government bearing the premium for a period of five years for the two schemes.
Why it matters
- Social Security:
- Insurance cover for the most vulnerable households.
- Zero Cost to Beneficiary:
- The UT Government bears the full premium for five years.
- Wide Coverage:
- Covers widows, destitute, BPL families, and low-income breadwinners.
- Financial Inclusion:
- Provides a zero-balance savings bank account to each beneficiary.
Focus areas
- Life & Accident Insurance:
- Cover via PMSBY and PMJJBY.
- Social Security:
- Protection for widows, destitute and BPL families.
- Financial Inclusion:
- Zero-balance savings accounts for beneficiaries.
Is this scheme right for you?
The AASRA Scheme is a vital social safety net for Jammu & Kashmir's most vulnerable residents. By fully bearing the PMSBY and PMJJBY insurance premiums for five years—and providing a zero-balance savings account—the scheme delivers meaningful social security to widows, destitute, and low-income families at no cost. If you are a J&K resident meeting the eligibility criteria, this scheme can provide important protection for your family.
Official links
Links open the issuing department's website. Always confirm the current terms there before applying.
Frequently asked questions
What is "AASRA Scheme"?
The "Aasra Scheme" is a comprehensive social security scheme launched by the Union Territory (UT) Government under which the government would pay or reimburse the premium of the two schemes (PMSBY & PMJJBY) in respect of beneficiaries.
What is the objective of the scheme?
The objective of the scheme "AASRA Scheme" is to provide social and financial security to eligible beneficiaries and entails providing a zero balance saving Bank account to every eligible beneficiary to avail of the insurance coverage benefits under which the UT Government would pay or reimburse premium for a period of five years for the two schemes (PMSBY & PMJJBY).
By which department was this scheme launched?
Department of Social Welfare, Government of Jammu & Kashmir
When was this scheme notified?
The Scheme "AASRA Scheme" was notified by the government vide Order No. 150-F of 2015 dated 20.08.2015.
Is this scheme an insurance scheme?
Yes, The scheme "AASRA Scheme" is an insurance scheme.
Is it a social security scheme?
Yes, this scheme is a social security scheme.
Is this scheme fully sponsored by the government of Union Territory?
Yes, this scheme is 100% sponsored by the government of Union Territory.
Is this scheme only for the resident of the Union Territory of Jammu & Kashmir?
Yes, the applicant should be a permanent resident of the Union Territory of Jammu & Kashmir.
Who is covered under this scheme?
This scheme is covering Widows, Destitute, Below Poverty Line (BPL) families, and breadwinners of such families whose annual income is less than ₹75000/-.
Who will pay the premium of the policy?
The Government of Union Territory will pay the full premium of the policies.
Who will provide the funding for the scheme?
The funds will be provided by the Finance Department under Non-Plan expenditure, in a lump sum or on an annual basis to implement the scheme, and further upward revision in the amount would be considered if so required.
Who will get the money in case of the death of the beneficiary?
The life/accident cover under the scheme will be paid only to the prescribed nominee in case of the death of the beneficiary as per the guideline outlined in the scheme.
How can I apply under the scheme?
First, the eligible applicants need to register themselves on the official website and then they are eligible to apply under the scheme. (https://www.jk.gov.in/jkeservices/home)
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