Bina Mulya Samajik Suraksha Yojana (BM-SSY): Complete Guide for Unorganized Workers in West Bengal
Bina Mulya Samajik Suraksha Yojana (BM-SSY) is a flagship social security scheme launched by the Government of West Bengal in 2017. The primary objective of this scheme is to provide comprehensive social protection to workers employed in the unorganized sector across the state. Through financial assistance, health benefits, provident fund support, and educational aid, the scheme aims to improve the socio-economic condition of millions of workers and their families.
If you are working in the unorganized sector in West Bengal, this scheme can offer significant long-term financial security.
Overview of Bina Mulya Samajik Suraksha Yojana (BM-SSY)
The Bina Mulya Samajik Suraksha Yojana is designed to extend social welfare benefits to unorganized workers as defined under the West Bengal Unorganized Sector Workers Welfare Act, 2007. It covers workers listed under Part A and Part B of the Schedule of the Act.
The scheme includes wage earners from various sectors such as construction, transport, small-scale industries, and self-employed individuals. It ensures financial assistance during medical emergencies, accidents, disability, death, and retirement.
Categories of Workers Covered Under Bina Mulya Samajik Suraksha Yojana
The scheme covers 46 types of unorganized industries and 15 categories of self-employed workers.
Unorganized Industries Covered
Eligible industries under BM-SSY include:
| S.No | Industry Name | S.No | Industry Name |
|---|---|---|---|
| 1 | Automobile Repairing Garages (less than 20 workers) | 19 | Hosiery Units |
| 2 | Bakery Units (less than 20 workers) | 20 | Hotels and Restaurants |
| 3 | Beedi Making | 21 | Iron Foundries |
| 4 | Boatman Services | 22 | Khadi Units |
| 5 | Bone Mills | 23 | Leather and Leather Goods |
| 6 | Book Binding | 24 | Medicinal Plant Cultivation (excluding Cinchona) |
| 7 | Brassware Manufacturing | 25 | Plastic Industry |
| 8 | Cashew Processing Units | 26 | Power Loom Units |
| 9 | Ceramic Industry | 27 | Printing Press |
| 10 | Cinema Industry | 28 | Rice Mills (including Husking Mills) |
| 11 | Clinical Nursing Homes / Private Hospitals | 29 | Rubber Products |
| 12 | Coir Industry | 30 | Saw Mills |
| 13 | Cottage Industries and Traditional Crafts | 31 | Security Agencies |
| 14 | Dal Mills | 32 | Sericulture |
| 15 | Decoration Services | 33 | Small Scale Engineering Units |
| 16 | Footwear Manufacturing (Leather, Rubber, Plastic) | 34 | Small Scale Chemical Units |
| 17 | Garment Manufacturing | 35 | Tailoring Industries (less than 20 workers) |
| 18 | Handloom Industry | 36 | Type Copying Work |
Self-Employed Categories Covered
The following self-employed workers are also eligible:
| S.No | Category | S.No | Category |
|---|---|---|---|
| 1 | Amins (Land Surveyors) | 9 | Goldsmiths and Silversmiths |
| 2 | Ayah / Hospital Attendants | 10 | Head-load Workers |
| 3 | Barbers and Beauticians | 11 | Idol Makers |
| 4 | Carpenters | 12 | Railway Hawkers |
| 5 | Cobblers / Shoe Makers | 13 | Street Hawkers (including Newspaper Vendors) |
| 6 | Cycle Rickshaw and Van Pullers | 14 | Waste Pickers |
| 7 | Domestic Workers | 15 | NGO Workers and Self-Employed Labour Organisers (SLOs) |
| 8 | Fishermen | — | — |
Key Benefits of Bina Mulya Samajik Suraksha Yojana
The Bina Mulya Samajik Suraksha Yojana (BM-SSY) offers multiple financial and welfare benefits:
Provident Fund Benefit
Under the scheme, a total of ₹55 is deposited monthly:
₹25 contributed by the beneficiary
₹30 contributed by the State Government
Upon retirement or in case of death, the accumulated amount along with interest is refunded to the beneficiary or nominee.
Health and Family Welfare Benefits
Medical and health assistance includes:
Up to ₹20,000 for hospitalization and outpatient treatment under WBHS 2008.
Up to ₹60,000 for surgical procedures, including coverage of necessary tests and medicines.
Compensation for loss of employment due to hospitalization for five or more days.
Death and Disability Compensation
The scheme provides financial support in unfortunate circumstances:
₹2,00,000 for accidental death
₹50,000 for natural death
₹1,00,000 to ₹2,00,000 for disability, depending on severity
Educational Assistance
Financial assistance is available for children’s education. For example:
Up to ₹30,000 for professional courses such as medical and engineering.
The amount varies depending on the educational level.
Eligibility Criteria for Bina Mulya Samajik Suraksha Yojana
To apply for Bina Mulya Samajik Suraksha Yojana (BM-SSY), applicants must meet the following requirements:
Must be a permanent resident of West Bengal
Age must be between 18 and 60 years
Monthly family income should not exceed ₹6,500
No income limit applies to construction and transport workers
Meeting these criteria is essential for successful registration under the scheme.
How to Apply for Bina Mulya Samajik Suraksha Yojana Online
Eligible beneficiaries can apply online by following these steps:
Visit the official website: https://bmssy.wblabour.gov.in
Click on “New Registration by Beneficiary.”
Fill in personal and contact details on the registration page.
Complete registration to receive your Username and Password.
Log in using the credentials provided.
Fill in required information including:
Basic Details
Address Information
Bank Details
Nominee and Dependent Details
Document Uploads
Review all entered details carefully.
Download Form-1, fill it manually if required, and upload it.
Submit the final application form.
After submission, applicants should keep a copy of the acknowledgment for future reference.
Why Bina Mulya Samajik Suraksha Yojana Is Important
The Bina Mulya Samajik Suraksha Yojana plays a crucial role in strengthening the social safety net for unorganized workers in West Bengal. By offering provident fund support, medical coverage, accident compensation, and educational assistance, the scheme ensures long-term financial stability and social protection.
For workers who lack access to formal employment benefits, BM-SSY serves as a reliable support system that enhances dignity, security, and quality of life.
If you or your family member belongs to the unorganized sector in West Bengal, registering under Bina Mulya Samajik Suraksha Yojana can be a valuable step toward financial and social security.
Benefits
Provident Fund: The State Government will pay ₹ 55/- ( ₹ 25/- + ₹ 30/-) including the beneficiary and State Grant) per month. On retirement or death, the total amount along with interest is refunded.
Health And Family Welfare:
Medical Expenses
Beneficiaries and their family members receive financial assistance for hospitalization and outdoor treatment of ailments covered under WBHS 2008.
The maximum annual assistance is ₹ 20,000/-.
Benefits include full coverage for clinical tests, medicine, and hospitalization.
In case of hospitalization, the beneficiary receives compensation for loss of employment.
Surgical Expenses
Beneficiaries and their family members receive financial assistance for any kind of surgery.
The maximum annual assistance is ₹ 60,000/-.
Benefits include full coverage for clinical tests, medicine, and hospitalization.
In case of hospitalization, the beneficiary receives compensation for loss of employment.
Additional Provisions
For accidents requiring hospitalization for five or more days, the beneficiary receives compensation for loss of employment.
Claims for medical expenses, surgical expenses, and accident-related loss of employment are admissible at government or empaneled hospitals.
Payment for loss of employment is applicable only to the registered beneficiary, not to family members.
A financial year is considered a year for availing benefits.
Death and Disability: To provide social security to the nominees of the beneficiaries under the Yojana, the following benefit would be provided:-
In cases of death of the beneficiary arising out of an accident : ₹ 2,00,000/- only
In cases of normal death of the beneficiary : ₹ 50,000/- only : ₹ 50,000/-
In cases of minimum 40% disability of the beneficiary. The disability should be certified by a Government Hospital.
In cases of total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of sight of one eye and loss of use of hand or foot : ₹ 2,00,000/-
In cases of total and irrecoverable loss of sight of one eye or loss of use of one hand or foot : ₹ 1,00,000/-
Education: Assistance for education will be provided in the following category as per scale given below:
Class XI - ₹ 4,000/- pa
Class XII - ₹ 5,000/- pa
Under training at ITI - ₹ 6,000/- pa
UG (Arts/Science/Commerce) - ₹ 6,000/- pa
PG (Arts/Science/Commerce) - ₹ 10,000/- pa
Polytechnic - ₹ 10,000/- pa
Medical / Engineering - ₹ 30,000/- pa
Assistance for completion of UG education or equivalent Skill Development Studies @ ₹ 25000/- each for up to two daughters will be provided. This benefit will however be admissible if the daughter remains unmarried till completion of studies
Application Process
Apply Online
Applicant have to visit the official website https://bmssy.wblabour.gov.in/
Click on “New Registration by Beneficiary”.
On the “Beneficiary Registration” page , provide your personal and contact details and complete the registration process.
After receiving Username and Password, applicant need login.
Provide the required details regarding.
Basic Information.
Address Details.
Bank Details.
Nominee Details.
Dependent Details.
Document Details Upload.
After Successful Upload Of Documents.
Final Preview Of Application.
Download And Upload Form-1 from the 12 page from the manual documents.
Submit.
Frequently Asked Questions
References & Official Links
Scheme Details
| Full Name | Bina Mulya Samajik Suraksha Yojana (BM-SSY): Complete Guide for Unorganized Workers in West Bengal |
| Short Title | BMSSY |
| Level | State |
| Scheme For | Individual |
| Categories | Social welfare & Empowerment |
| States | West Bengal |
| Gender | All |
| Age Range | 40 — Any years |
| Area | Rural |
| Source | www.myscheme.gov.in ↗ |