e-Shram Portal is a Government of India flagship program that is designed to develop a national database of the unorganised workforce in the sector. Labourers, construction workers, street vendors, domestic helpers, gig workers, and daily wage earners are some of the workers who are issued the e-Shram Card.
Checking the balance of the e-Shram card and whether a specific financial benefit, insurance cover, or scheme amount has been credited is one of the most frequently asked questions among beneficiaries.
What is an E-Shram Card?
The e-Shram Card is a 12-digit Universal Account Number issued upon registration on the e-Shram portal. It assists the government in identifying and providing support to unorganised employees through various welfare programs.
The card enables workers to benefit from insurance cover, social security plans, and future financial support, all of which are linked to Aadhaar and a bank account.
Meaning of the E Shram Card Balance Check
An e-Shram card balance check will verify whether there is any monetary gain, insurance amount, or government assistance associated with the e-Shram account.
One should know that the e-Shram card does not hold funds in a bank account. Direct Benefit Transfer (DBT) involves the transfer of benefits directly to the worker’s bank account. Balance checking is therefore carried out by monitoring payments and bank credits.
Advantages of E-Shram Card
The e-Shram card serves as an entry point to various welfare programs rather than a single cash handout.
- Insurance Benefits: Government schemes provide accident insurance for registered workers. Financial assistance is provided to the nominee in case of accidental death or permanent disability.
- Social Security Schemes: The e-Shram database assists workers in obtaining priority access to pension, health, and maternity benefits administered by the central or state governments.
- Financial Assistance Schemes: In cases of emergency, pandemic or economic crisis, the government can directly transfer some financial aid to the bank accounts of e-Shram-registered workers.
- Skill Mapping and Employment: The portal is also useful for mapping workers’ skills to provide them with better employment opportunities and support welfare planning.
Checking E-Shram Card Balance Online
Through the official portal, workers can easily check their e-Shram benefits online.
Step-by-Step Process
- Go to the e-Shram portal.
- Enter your Aadhaar mobile number.
- Enter the OTP received on the registered mobile.
- You can go to the dashboard to see profile and scheme details.
- Check the linked and benefit status.
If any amount has been credited, it will appear in the associated bank account, not on the portal itself.
Checking E-Shram Card Balance by using a Bank Account
As long as the benefits are transferred through DBT, it is necessary to check the bank account.
Bank Balance Check Methods
- Go to the bank and reconcile the passbook.
- Check account balance using an ATM card.
- Apply mobile banking or online banking applications.
- Contact customer care call bank to enquire about the balance.
Failure to credit benefits may occur if the bank account is not linked or is inactive.
Checking E-Shram Card Balance in PFMS
The Public Financial Management System can also track some scheme payments.
PFMS Balance and Status Payment
- Visit the PFMS portal
- Choose the ” Know Your Payments option.
- Insert bank name, account number and captcha.
- Provide information to check payment status.
This assists in determining whether the government has made a payment.
Updating the Bank Details on E-Shram Portal
Wrong bank details may cause the transfer of benefits to fail.
Steps to Update Bank Information
- Log in to the e-Shram portal
- Choose the profile update option.
- Enter Aadhaar OTP to verify.
- Revise proper bank account information.
- Submit and save changes
DBT systems may require time to respond to changes after the update.
Significance of E-Shram Card Balance Check
Balance checks help workers ensure that they do not miss government benefits.
- It aids in checking effective DBT transfers.
- Checks the bank and Aadhaar interconnection.
- Eliminates fraud or misinformation.
- Notifies employees of the scheme’s advantages.
- Enhances financial planning and security.
It is essential to keep up to date with the events for the unorganised sector workers who are beneficiaries of the state welfare schemes.
E Shram Card and State Government Benefits
Most state governments, in addition to central schemes, have their welfare programs connected to the e-Shram database. These may include:
- Financial support on a monthly basis.
- Food security or benefit and free ration.
- Health insurance schemes
- Skill development programs
The balance check will be relevant whenever a state announces financial assistance for e-Shram cardholders.
Challenges Faced by Workers While Checking Balance
In spite of online access, certain employees are having challenges.
- Absence of internet or smartphone
- OTP is not received because of an inactive mobile number
- Low digital literacy
- Bank linkage errors
- Relying on shared service centres
In these instances, employees are able to get assistance at CSC centres, labour offices or helpdesks of e-Shram.
Conclusion
Checking the balance in the e-Shram card is a simple process, and workers will learn that money is not stored in the card. Any financial gains that are attached to the e-Shram portal are directly deposited in the bank account of the worker by utilising DBT.
Workers can exploit all the benefits e Shram portal has to offer by checking bank balances regularly, updating Aadhaar and bank numbers, and tracking announcements of schemes. The E-Shram card will remain critical in enhancing the social security of the unorganised labourers in India as digital governance continues to spread.
