Scheme For Adolescent Girls 2026

This is a group insurance scheme by MoMSME designed to protect khadi artisans (spinners and weavers) by Read More... offering financial cover against death and disability. Read less

Details

The Khadi Karigar Janashree Bima Yojana (KKJBY) is a vital initiative by the Ministry of Micro, Small and Medium Enterprises (MoMSME) aimed at providing a safety net for our nation's skilled khadi artisans.

What Is This Scheme?

This is a group insurance plan developed by the Khadi and Village Industries Commission (KVIC) in partnership with the Life Insurance Corporation of India (LIC). It's designed to offer financial security to khadi spinners and weavers in case of unfortunate events like death or disability.

Who Can Benefit From This Scheme?

The primary beneficiaries are Khadi Artisans, specifically those involved in spinning and weaving. To be eligible, you must be between 18 and 59 years old and be part of an approved vocational group with at least 25 members.

Why This Scheme Is Important

This scheme plays a crucial role in supporting the livelihoods of khadi artisans. It provides much-needed financial assistance during critical times, ensuring that artisans and their families are not left in distress. Moreover, it offers educational support to their children, fostering a brighter future for the next generation.

Objective

This is a group insurance scheme by MoMSME designed to protect khadi artisans (spinners and weavers) by offering financial cover against death and disability.

Benefits

Nutrition Component:

Take Home Ration or Hot Cooked Meal for out of school girls - Nutrition Provision ₹ 9.50 per day (600 calories; 18‐20 gram of protein and recommended daily intake of micronutrients per day for 300 days in a year.).

The financial norms will be ₹ 9.5/- per beneficiary per day for 300 days in a year. This would be inclusive of the cost of micronutrient fortification.

Non Nutrition Component:

IFA supplementation.

Health check‐up and Referral services.

Nutrition & Health Education (NHE).

Counseling / Guidance on family welfare, ARSH, child care practices.

Life Skill Education and accessing public services.

Sources and references

Guidelines

Eligibility Criteria

You must be a Khadi Artisan (Khadi Karigar).
Your age must be between 18 and 59 years.
You need to be a member of an approved vocation/occupation group.
The group you belong to must have a minimum of 25 members.

How To Apply

The application process for this scheme is currently offline. You will need to approach the relevant Khadi Institution or KVIC office to get the application forms and submit them.

Official Contact Information:

Khadi and Village Industries Commission (KVIC)

For specific office addresses, please visit the KVIC website.

Documents Required

Proof of Age
Proof of Income (Income Certificate)
Proof of Occupation
Aadhaar Card
Bank Details (must be Aadhaar seeded)
Death Certificate or Certificate of Disability (required on a case-by-case basis)

FAQ’s

What are the age limits to apply for this scheme?

To be eligible for the Khadi Karigar Janashree Bima Yojana, your age must be between 18 and 59 years.

How much money is given if an artisan dies from an accident?

In case of death due to an accident, the nominated beneficiary will receive ₹50,000 under this scheme.

Can children of khadi artisans get help with their education?

Yes, the scheme offers a scholarship of ₹300 per quarter for children of Khadi Karigars who are studying in Class 9th to 12th. This benefit is limited to a maximum of two children per family.

What happens if an artisan suffers a permanent disability?

If a Khadi Artisan suffers a permanent disability, such as the loss of two eyes or two limbs, they will receive a financial assistance of ₹50,000.

Does the scheme cover partial disability?

Absolutely. Partial disability, which means the loss of one eye or one limb, is also covered under the Khadi Karigar Janashree Bima Yojana, providing ₹25,000 in financial aid.

What is the total sum provided for a natural death?

For a natural death, the scheme provides ₹20,000 to the artisan's family or nominee.

How do I get the benefits from the scheme?

Since the scheme is managed in association with LIC, the benefits will be disbursed by the Life Insurance Corporation of India to the nominee of the insured person.

What is considered a 'permanent disability' for this insurance?

As per the scheme's terms, 'permanent disability' is defined as the loss of both eyes or the loss of both limbs.

Can I apply for this scheme from any part of India?

Yes, this scheme is available to eligible Khadi artisans across all states and union territories of India.

What is the cost of this insurance plan?

The premium contribution is shared among the artisan (₹12.5), the Khadi Institution (₹25), and KVIC (₹12.5). An additional ₹50 is contributed by the Social Security Fund administered by LIC.

Is there an online method to apply for this scheme?

Currently, the application process for the Khadi Karigar Janashree Bima Yojana is conducted offline only. You need to submit physical application forms.