Scheme For Adolescent Girls 2026

This initiative by the Ministry of Micro, Small & Medium Enterprises (MoMSME) offers group insurance protection for Read More... Khadi spinners and weavers, covering death and disability. Read less

Details

The Khadi Karigar Janashree Bima Yojana (KKJBY) is a crucial welfare scheme aimed at providing a safety net for the dedicated artisans working in the Khadi sector. Launched by the Ministry of Micro, Small & Medium Enterprises (MoMSME) in collaboration with the Khadi and Village Industries Commission (KVIC) and the Life Insurance Corporation of India (LIC), this scheme focuses on Khadi spinners and weavers.

What is the Khadi Karigar Janashree Bima Yojana?

Simply put, KKJBY is a group insurance policy designed to protect Khadi artisans. It provides financial support in case of unfortunate events like natural death, accidental death, or any form of disability. It also extends a helping hand to the education of their children.

Who is This Scheme For?

This scheme is specifically for Khadi artisans, which includes spinners and weavers who are part of approved vocational or occupational groups. It aims to ensure that these skilled individuals and their families have some financial security.

Why is This Scheme Important?

The Khadi sector relies heavily on the craftsmanship of its artisans. This scheme acknowledges their contribution by offering a vital insurance cover. It ensures that in the event of unforeseen circumstances, the artisan or their family receives financial assistance, thereby promoting economic stability and encouraging continuity in this traditional craft.

Objective

This initiative by the Ministry of Micro, Small & Medium Enterprises (MoMSME) offers group insurance protection for Khadi spinners and weavers, covering 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

Who Can Apply?

Must be a Khadi Artisan (Spinner or Weaver).
Age between 18 and 59 years.
Must be a member of an approved vocational/occupation group.
The group must consist of at least 25 members.

How to Apply

The application process for the Khadi Karigar Janashree Bima Yojana is currently offline. Interested artisans should contact their respective Khadi institutions or approved vocational groups for application forms and guidance. The scheme is formulated by KVIC in association with the Life Insurance Corporation of India (LIC).

Documents Needed

Proof of Age
Income Certificate
Proof of Occupation
Aadhaar Card
Bank Account Details (must be Aadhaar seeded)
Death Certificate or Certificate of Disability (if applicable, for claim purposes)

FAQ’s

What is the scholarship amount and for how long can my children receive it?

Children of Khadi Karigars can receive a scholarship of ₹300 per quarter. This benefit is available for up to two children per family, provided they are studying in Class 9th to 12th standard.

If I am 45 years old and a Khadi weaver, am I eligible to apply?

Yes, you are eligible. The scheme accepts applicants between the ages of 18 and 59 years. Your age of 45 falls within this range.

What does the scheme consider as a 'permanent disability'?

Under this scheme, 'permanent disability' is defined as the loss of both eyes or the loss of both limbs.

Is there any financial aid for partial disability?

Yes, the scheme does cover partial disability. This includes cases where an artisan loses one eye or one limb, and a benefit of ₹25,000 is provided.

How is the premium for this scheme distributed?

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

Does this scheme apply to artisans from all parts of India?

Yes, the Khadi Karigar Janashree Bima Yojana is for Khadi artisans across all the states of India.

What happens if the artisan passes away due to natural causes?

In the unfortunate event of death due to natural causes, the nominee or beneficiary will receive a financial assistance of ₹20,000.

Who will disburse the benefits of the scheme?

Since the scheme is in association with the Life Insurance Corporation of India (LIC), LIC will be responsible for issuing the benefit amount to the nominee of the insured artisan.

Is it possible to apply for this scheme online?

Currently, the application process for this scheme is strictly offline. You will need to apply through the designated offline channels.

What is the benefit amount in case of accidental death?

If an artisan's death occurs due to an accident, a sum of ₹50,000 will be provided as financial assistance.