1. TEAM: SWANITI
AAYUSH MUDGAL
PIYUSH JAIN
SHARBATANU CHATTERJEE
TATHAGAT GUPTA
UTSAV SADANA
PROTECTING THE VULNERABLE:
PROVIDING SOCIAL WELFARE TO
INFORMAL SECTOR WORKERS

2. 83.34
67.39
88.38
18.72
82.64
84.25
72.34 71.34
28.63
75.24
4.24
38.35
41.24
82.35
0
10
20
30
40
50
60
70
80
90
100
(Share of non-benefited total workers) /(total
informal sector workers in a trade) (in percent)
• HIGHLY SKEWED NATURE OF TRADES AND MIGRATORY
NATURE CAUSES IDENTIFICATION ISSUES.
• LACK OF CO-ORDINATION BETWEEN CENTRE AND STATE
BOARDS AND COMMISSIONS.
• LACK OF AWARENESS AMONG THE WORKERS ABOUT
VARIOUS SCHEMES.
• LACK OF TEETH GIVEN TO THE VARIOUS LEGISLATIONS IN
THIS REGARD.
• NO SCHEME SPECIFIC TO THE PROBLEMS OF FEMALE
WORKERS WHO FORM A LARGE PORTION OF THE
UNORGANISED WORK-FORCE
IDENTIFICATION OF GAPS
• ACCORDING TO A 2012 MINISTRY OF STATISTICAL AND
PROGRAMME IMPLEMENTATION REPORT, MORE THAN 90%
OF INDIA’S WORKFORCE BELONGS TO THE INFORMAL SECTOR
AND ACCOUNTS FOR 50% OF THE NATIONAL PRODUCT.
• ACCORDING TO THE NCEUS, ONLY ABOUT 7% OF THE TOTAL
WORKFORCE IN INDIA HAS ANY FORM OF SOCIAL SECURITY
PROBLEMS ENCOUNTERED

3. 0
5 NSAP
AABY
WLBCW
RSBY
RKVY
DELIVERABLE INDEX
DELIVERABLE OF THE SCHEME RATINGS 1 2 3 4 5
Financial spend/Total Financial Outlay <25% 25-50% 50-70% 70-90% >90%
Actual Beneficiaries/Estimated Beneficiaries <25% 25-50% 50-70% 70-90% >90%
Financial burden weighed by exchequer/Total financial circulation >90% 70-90% 50-70% 30-50% <30%
Fundamentals and Prospect of the Scheme Widely popularized
with minimal
success than
anticipated and no
further scope of
improvement
Widely popularized
but has no scope of
improvement in
terms of reach
Not so popularized
but has scope of
improvement in
fundamental terms
Not so popularized
or stands
fundamentally
strong in terms of
reach and quality
benefits
Extremely rich in
fundamentals
and benefits of
optimum quality
SCHEME DELIVERABLE MATRIX
RSBY- RASHTRIYA SWASTHYA BIMA YOJNA NSAP: NATIONAL SOCIAL ASSISTANCE PROGRAMME AABY- AAM AADMI BIMA YOJNA
RKVY: RASHTRIYA KRISHI VIKAS YOJANA BCWA: BUILDING AND CONSTRUCTION WORKERS WELFARE CESS ACT
INFERENCES:
• RSBY SCORES SUBSTANTIALLY IN
FUNDAMENTALS AND LONG TERM PROSPECTS,
OWING TO USE OF SMART CARDS AND MODERN
FACILITIES.
• AABY HAS PERCEPTIBLY FAIRED WELL IN TERMS
OF REACH AND FINANCIAL SPEND (OWING TO ITS
EFFICIENT IMPLEMENTATION BY THE LIC).

4. BENEFITS PROVIDED :
• HEALTH BENEFITS 
• LIFE INSURANCE 
• OLD AGE PENSION 
• PROVIDENT FUND SCHEME 
• EMPLOYMENT INJURY BENEFIT
SCHEME 
• HOUSING SCHEME 
• EDUCATIONAL SCHEME 
• SKILL UPGRADATION OF WORKERS

• FUNERAL ASSISTANCE 
• MARRIAGE OF DAUGHTERS 
COVERAGE OF BENEFICIARIES:
• 3.5 CRORE ACTIVE SMART CARDS
(FAMILY BASED) UNDER RSBY AS ON
15/08/13
• 4.8 CRORE LIVES COVERED UNDER
THE AABY AS ON 31/03/13
IMPLEMENTED BY THE LIC
• ACCORDING TO THE NSAP WEBSITE
AROUND 1.7 CRORE PEOPLE ARE
RECEIVING BENEFITS OF IGNOAPS
IGNOAPS- INDIRA GANDHI NATIONAL OLD
AGE PENSION SCHEME
A CRITIQUE:
• THOUGH THERE HAVE BEEN CONTINUOUS DEMANDS
FOR A MINIMUM SOCIAL SECURITY FLOOR, THE GOVT.
HAS BEEN QUITE RELUCTANT TO FORMULATE ONE
• MORE SOCIAL SECURITY PACKAGES SHOULD HAVE BEEN
INTRODUCED REGARDING HOUSING, MATERNITY
BENEFITS, DISABILITY COVER
• OFFICIAL FORUMS SHOULD BE SET UP TO ENSURE THAT
GRIEVANCES ARE HEARD AND ADDRESSED.
• PROPER WORKING CONDITION FOR THE WORKERS
SHOULD HAVE BEEN A PART OF THE LEGISLATION.
• HARASSMENT OF WOMEN AT WORK-PLACES IS NEEDED
TO BE ADDRESSED (95.6% OF WOMEN IN
UNORGANIZED SECTOR DON’T GET MINIMUM WAGES).
UNORGANISED WORKERS’ SOCIAL SECURITY ACT 2008

5. PHASE I: STAKEHOLDER
ANALYSIS AND SETTING UP
COMMITTEES
• SOLUTION TO THE IDENTIFICATION AND REGISTRATION PROBLEMS
• COMPOSITION OF THE BOARDS AND ASSOCIATIONS AT VARIOUS LEVELS
PHASE II: SETTING UP
REGISTRATION AND DELIVERY
MECHANISMS
• ISSUING SMART CARDS TO THE WORKERS AND OPENING OF BANK ACCOUNTS
• SYSTEM WORKING AND DELIVERY MECHANISM
• CESS LEVIED ON THE WORKER AND THE EMPLOYER
PHASE IV: UNIFICATION OF
EXISTING AND NEW SOCIAL
SECURITY SCHEMES
• EXISTING SCHEMES LIKE RSBY, AABY, NPS LITE DISPENSE BENEFITS USING THIS ONE SMART CARD
• INTRODUCING NEW MUCH NEEDED SCHEMES UNDER THIS SYSTEM
• GRIEVANCE RERESSAL MECHANISM
PHASE V: PREPARING FOR THE
FUTURE
• PROVIDING VOCATIONAL TRAINING TO EXCEL IN THEIR FIELD OF WORK
• ORGANISING THE WORKERS INTO STRONG REGISTERED UNIONS BRINGING THEM UNDER THE
PURVIEW OF VARIOUS LAWS
PROPOSITION OVERVIEW
PHASE III: MONITORING,
REVIEW AND GRIEVANCE
REDRESSAL MECHANISM
• SYSTEM MONITORING AND DELIVERY MECHANISM
• GRIEVANCE REDRESSAL MECHANISM

6. STRUCTURAL LAYOUT (A GLIMPSE OF STAKEHOLDERS INVOLVED)
DISTRICT GRIEVANCE REDRESSAL OFFICE
(COMPRISING OF RETIRED OFFICERS AND JUDGES)
BLOCK LEVEL ASSOCIATION
FOR REGISTRATION AND
DELIVERY OFFICE RAMIFIED
AS PER LINE OF WORK (BY
CONSOLIDATING EXISTING
WFCs AND BLOCK
COUNCILLOR)
HEALTH AND
LIFE INSURANCE
PROVIDERS (LIC
INDIA)
STATE HOUSING
BOARDS
MATERNITY
ASSISTANCE
PROVIDERS
PUBLIC SECTOR
AND
COOPERATIVE
BANKS
NGOs AND
SHGs
CENTRAL SOCIAL SECURITY ADVISORY BOARD ( HEADED BY
INTER MINISTERIAL COMMITTEE)
STATE SOCIAL SECURITY WELFARE BOARD
DISTRICT LEVEL ENFORCEMENT BODY (CHAIRED BY
OFFICE OF COLLECTORATE)
SERVICE PROVIDERS
IDENTIFICATION
BLOCK LEVEL ASSOCIATION SHALL ACT AS
DE JURE EMPLOYER WITH ALL THE
UNORGANIZED WORKERS OF THE BLOCK
REGISTERED UNDER THEIR LINE OF WORK
IN ASSOCIATION FAILING TO WHICH
HE/SHE LOSES THE ADMISSIBILITY TO
PROVIDE SERVICE.
AUTHENTICATION
AUTHENTICATION OF TRADE OF A WORKER IS
DONE AT HABITATION LEVEL (BY BLOCK LEVEL
ASSOCIATION AND THE OFFICE OF
COLLECTORATE IN COLLABORATION WITH
EXISTING WELFARE BOARDS, NGOS AND
SHGS), WITH STRICT IMPEDE IN DUPLICATION
OF REGISTRATION OF A WORKER .
REGISTRATION
AFTER HAVING IDENTIFIED AND VALIDATED
UNDER A LINE OF WORK, HE/SHE IS
REGISTERED IN BLOCK LEVEL ASSOCIATION
UNDER PHASE-II.

7. • REGISTRATION STARTS BY ISSUING SMART
CARD TO EACH WORKER THAT SHALL
DEFINE HIS LINE OF WORK AND GIVE HIM
ADMISSIBILITY OF JOB IN THAT BLOCK AND
SHALL ENTITLE HIM FOR ALL SECURITY
BENEFITS (TAKING CUE FROM RSBY AND
IT’S DETAILED ANALYSIS IN SCHEME
MAPPING MATRIX).
• A REGISTERED WORKER IS LINKED TO HIS
PRE-EXISTING BANK ACCOUNT ELSE HE/SHE
GETS A NEW BANK ACCOUNT REGISTERED
IN PARTICIPATING BANKS.
• IT MAY BE SAFELY ASSUMED THAT THE UID
AADHAAR PROJECT WOULD COVER
ALMOST WHOLE OF THE UNORGANIZED
WORK-FORCE. THE SMART CARD WOULD
CARRY THE UID NO. THIS WOULD ENSURE
THAT NO ONE PERSON REGISTERS TWICE
FOR THE SMART CARD.
• AT A LATER STAGE OF UPGRADATION AND
REFINEMENT, THE SMART CARD CAN BE
INCORPORATED WITH THE UID AADHAAR
CARD.
SETTING UP REGISTRATION AND DELIVERY MECHANISMS
TOTAL NO. OF WORKERS REGISTERED = A
WORKERS ALLOTED TO EMPOYERS = B
WORKERS LEFT UNALLOTED = A-B
THE ASSOCIATION MAINTAINS THE RECORD OF THE
REGISTERED WORKERS (A)
A PERSON IN NEED OF
WORKERS APPROACHES THE
ASSOCIATION (EMPLOYER)
THE ASSOCIATION DISPENSES
THE REQUIRED WORKERS
(EMPLOYEES)
THE EMPLOYER PAYS THE PROMISED
WAGES + A FIXED SOCIAL SECURITY
CESS TO THE ASSOCIATION
• THE WORKERS LEFT UNALLOTED (A-B) WOULD WORK INDEPENDENTLY AS USUAL BUT TO AVAIL SOCIAL SECURITY BENEFITS THEY HAVE TO DEPOSIT A FIXED
MONTHLY AMOUNT AS CESS TO THE ASSOCIATION.
• AT THE NEXT ALLOTMENT THESE WORKERS WOULD BE GIVEN PREFERENCE OVER THOSE RECENTLY EMPLOYED BY THE ASSOCIATION.
• THE WORKERS WOULD BE ENCOURAGED TO WORK UNDER THE ASSOCIATION AS THEY WOULD NOT BE REQUIRED TO PAY THE MINIMUM CESS.
THE ASSOCIATION AUTOMATICALLY
DISBURSES THE WAGE AMOUNT TO
THE EMPLOYEE’S BANK ACCOUNT

8. MONITORING, GRIEVANCE AND REDRESSAL MECHANISM
BENEFICIARY REGISTERS THE COMPLAINT
THROUGH WEB BASED PORTAL OR
TELEPHONE IVRS SYSTEM
IN PERSON AT THE DISTRICT GRIEVANCE
REDRESSAL OFFICE (DRGO)
COMPLAINT WILL BE AUTOMATICALLY
REDIRECTED BY THE SYSTEM TO DISTRICT
GRIEVANCE REDRESSAL OFFICE
AUNIQUECOMPLAINT
REGISTRATIONNO.IS
GIVENTOTHE
COMPLAINANT
THE DRGO WILL CATEGORISE IT AS A
GRIEVANCE/COMPLAINT
COMPLAINT GRIEVANCE
THE DRGO WILL SEND THE
COMPLAINT TO THE
APPROPRIATE AUTHORITY FOR
ADDRESSAL AND REASONING
COMMENTS RECEIVED WITHIN
15 DAYS
COMMENT FOUND
SATISFACTORY AFTER
REVIEWING OF COMMENT BY
DRGO
COMMENT NOT FOUND
SATISFACTORY BY THE DRGO
COMMENT NOT RECEIVED WITHIN 15
DAYS
COMPLAINT FORWARDED TO THE
DISTRICT GRIEVANCE REDRESSAL
COMMITTEE (DGRC)
COMPLAINT
CLOSED
THE DGRC WILL TAKE ACTION
WITHIN 30 DAYS
APPEAL TO APPELLATE BODY BY THE
AGGRIEVED PARTY
IFTHEDGRCDOESNOTTAKE
ANYACTIONWITHIN30DAYS
ACTION NOT FOUND
SATISFACTORY BY THE
COMPAINANT
ACTION FOUND SATISFACTORY BY
THE COMPLAINANT
OR

9. MINIMUM SOCIAL SECURITY
BENEFIT PACKAGE
TO PROVIDE UNIVERSAL MINIMUM
SOCIAL SECURITY TO THE WORKERS
WITH EXISTING SCHEMES:
• HEALTH BENEFITS UNDER RSBY TO
BE PROVIDED TO ALL THE REGISTERED
WORKERS (MANAGED BY
ASSOCIATION AT THE BLOCK LEVEL).
• LIFE INSURANCE AND OLD AGE
PENSION TO BE PROTRACTED UNDER
AABY(MANAGED BY LIC) AND NBS
LITE(SWABALAMBAN) RESPECTIVELY.
SCHEMES PROPOSED FOR
DISCRETE GROUPS:
• EMPLOYMENT INJURY BENEFITS
• MATERNITY BENEFITS SPECIFICALLY
FOR WOMEN LABOURERS
• THE CENTRAL SOCIAL SECURITY
ADVISORY BOARD AND THE STATE
SOCIAL SECURITY WELFARE BOARD
MAY FORMULATE WELFARE SCHEMES
FOR WORKERS IN A SPECIFIC LINE OF
WORK.
• THE SMART CARD WOULD
THEREFORE ENSURE EASY
DISPENSATION OF A LARGE NO. OF
SCHEMES AND ALSO NEW SCHEMES
AS AND WHEN THEY ARE ADDED.
UNIFICATION OF EXISTING AND NEW SOCIAL SECURITY SCHEMES
NYUNTAM KARYAKARI
PARISTHITHI YOJANA:
• WORKING HOURS : 8-HOUR/DAY
WITH AT LEAST 1/2-HOUR BREAK
• AT LEAST ONE PAID DAY OF REST
• A STATUTORY NATIONAL MINIMUM
WAGE FOR ALL WAGE WORKERS AND
HOME
• SICKNESS ALLOWANCE FOR 15 DAYS
BEYOND 3 DAYS OF HOSPITALIZATION
@ RS. 50 PER DAY
• A WOMAN EMPLOYEE IS ENTITLED TO
90 DAYS OF PAID LEAVE ON DELIVERY
OR ON MISCARRIAGE.
• BLOCK LEVEL ASSOCIATION TAKES
RESPONSIBILITY FOR ITS
IMPLEMENTATION

10. PREPARING FOR THE FUTURE
MOBILIZATIONINTOORGANIZEDSECTOR
COLLABORATION WITH INDIAN INDUSTRY ORGANIZATIONS FOR SKILL DEVELOPMENT:
ENTERING INTO AN MOU WITH THE MINISTRY OF LABOR AND EXPANDING COLLABORATION WITH INDIAN
INDUSTRY ORGANIZATIONS LIKE CII, FICCI CAN LEAD TO THE PROPER GROWTH OF ITI’S THAT CAN CAUSE
THOUSANDS OF WORKERS TO GET ORGANIZED AND ABSORBED INTO ORGANIZED INDUSTRIES.
BRINGING WORKERS UNDER PURVIEW OF TRADE UNIONS:
COLLABORATION AMONG TRADE UNIONS AND THEIR EXTENSIVE MEMBERSHIP PROVIDE IMPORTANT CHANNELS
THROUGH WHICH THE CONCEPTS AND PRAC- TICES OF SUSTAINABLE DEVELOPMENT CAN BE SUPPORTED. THE
ASSOCIATION MAKING IT COMPULSORY FOR WORKERS OF A PARTICULAR VOCATION TO FORM TRADE UNIONS IN
ORDER.
DEVELOPMENT AND CONSOLIDATION OF ITI:
• UNDER SIMILAR LINES OF PROGRAM CALLED IITIANS FOR ITI (ORGANIZED BY PAN-IIT) AIMING AT
FOCUSING ON QUALITY, TECHNICAL GUIDANCE AND IMPROVING EQUIPMENT AND INTERACTION WITH
INDUSTRY, THE CENTRAL GOVERNMENT CAN STRIVE TO REPLICATE THE PAN-IIT PROGRAM OR OFFER TO
EXTEND GOVERNMENTAL SUPPORT.

11. BOTTLENECKS ENVISAGED
INERTIA TO REGISTER IN ASSOCIATIONS:
• INEFFECTIVENESS OF A HOST OF PRE-EXISTING SCHEMES ACT AS DETERRENT TO ENGAGE IN MORE SUCH INITIATIVES.
• UNWILLINGNESS OF WORKERS TOWARDS PAYING MINIMUM CESS FROM THEIR INCOME
• SINCE WAGES ARE PAID THROUGH ELECTRONIC MODES, LACK OF BANKING NETWORKS CAN PROVE A MAJOR FAULT LINE.
EMPLOYER’S RESENTMENT:
• FIXED EXTRA AMOUNT FOR WELFARE FUND PAID BY EMPLOYERS SHALL BE A SOURCE OF GRUDGE.
• RANDOMNESS OF THE ALLOTMENT PROCESS MAKES WORKFORCE OF VARIED QUALITY, NOT MEETING WORKFORCE
REQUIREMENTS.
INFRASTRUCTURAL INSUFFICIENCY:
• LACK OF AVAILABILITY OF HI-TECH MACHINERY AND PROPER KNOW-HOW TO HANDLE.
• PROVIDING TRAINING TO OFFICIALS AT BLOCK LEVEL WOULD BE A CHALLENGE.
• SETTING UP OF OFFICES AT BLOCK LEVEL WHICH MAY LIE IN THE REMOTEST OF AREAS.

12. REFERENCES
• GOSWAMI, PAROMITA. (2009). A CRITIQUE OF THE UNORGANIZED WORKERS’ SOCIAL SECURITY ACT. ECONOMIC AND POLITICAL WEEKLY.
RETRIEVED FROM HTTP://WWW.JSTOR.ORG/STABLE/40278606
• HIRWAY, INDIRA. (2006). UNORGANISED SECTOR WORKER’S SOCIAL SECURITY BILL, 2005: LET US NOT GO BACKWARDS!. ECONOMIC AND
POLITICAL WEEKLY. RETRIEVED FROM HTTP://WWW.JSTOR.ORG/STABLE/4417752
• PILLAI, MOHANAN. (1996). SOCIAL SECURITY FOR WORKERS IN UNORGANISED SECTOR: EXPERIENCE IN KERALA. ECONOMIC AND POLITICAL
WEEKLY. RETRIEVED FROM HTTP://WWW.JSTOR.ORG/STABLE/4404473
• SANKARAN,T.S. (2009). A CRITIQUE OF INDIA’S UNORGANISED WORKERS’ SOCIAL SECURITY ACT, 2008. LAWYER’S MAGAZINE. RETRIEVED FROM
HTTP://WWW.SACW.NET/ARTICLE658.HTML
• REPORT ON THE SOCIAL SECURITY IN THE INFORMAL SECTOR BY THE OFFICE OF DEVELOPMENT COMMISSIONER, MSME, GOVT. OF INDIA.
RETRIEVED FROM HTTP://DCMSME.GOV.IN/SOCIAL%20SECURITY%20REPORT.PDF
• THE UNORGANISED SECTOR SOCIAL SECURITY ACT, 2008. RETRIEVED FROM
HTTP://LABOUR.NIC.IN/UPLOAD/UPLOADFILES/FILES/ACTSANDRULES/SOCITYSECURITY/THEUNORGANISEDWOEKERSSOCIALSECURITYACT2008.PD
F
• INFORMATION ON THE RASHTRIYA SWASTHYA BIMA YOJANA RETRIEVED FROM HTTP://WWW.RSBY.GOV.IN/. GRIEVANCE REDRESSAL MECANISM
OF RSBY RETRIEVED FROM HTTP://RSBY.GOV.IN/TEMPSITES/CGRS/
• VARIOUS NCEUS REPORTS RETRIEVED FROM HTTP://THEOPENDATA.COM/SITE/TAG/NCEUS/
• MERGER OF THE AAM AADMI BIMA YOJANA AND JANASHREE BIMA YOJANA RETRIEVED FROM
HTTP://PIB.NIC.IN/NEWSITE/ERELEASE.ASPX?RELID=91087
• INFORMATION ON THE RASHTRIYA KRISHI VIKAAS YOJANA RETRIEVED FROM HTTP://PIB.NIC.IN/NEWSITE/ERELEASE.ASPX?RELID=91087
• INFORMATION ON THE NPS SWAVALAMBAN SCHEME RETRIEVED FROM HTTP://PFRDA.ORG.IN/INDEXMAIN.ASP?LINKID=185