Khadi Karigar Janashree Bima Yojana

What is Khadi Karigar Janashree Bima Yojana?

Khadi Karigar Janashree Bima Yojana is a welfare and social-security scheme of the Khadi and Village Industries Commission (KVIC), a statutory body under the Ministry of Micro, Small and Medium Enterprises. The scheme extends group insurance cover to khadi artisans — the spinners, weavers and other workers who form the backbone of the khadi sector — against the risks of death and disability, and adds an educational scholarship for their children.

Khadi work is largely home-based and informal, and most artisans have no employer pension or workplace insurance. This scheme plugs that gap by enrolling artisans as a group under the Life Insurance Corporation's social-security insurance framework (the Janashree Bima Yojana, later consolidated into the Aam Aadmi Bima Yojana), with KVIC acting as the nodal agency and the artisan's khadi institution as the enrolling body.

Key points

• Runs through KVIC, under the Ministry of MSME.
• Covers khadi artisans aged 18 to 59.
• Provides death and disability cover plus a children's scholarship.
• Enrolment is collective, through the khadi institution, not by an individual walking into an insurance branch.

What benefits does the scheme provide?

Under the LIC social-security framework the scheme is built on, cover typically includes:

• A lump sum on natural death of the member.
• A higher lump sum on accidental death or total permanent disability.
• A partial amount on partial permanent disability (such as loss of one eye or one limb).
• A scholarship for the member's children studying in higher secondary classes.

The precise rupee amounts and premium are governed by the LIC social-security policy in force and have changed as the underlying scheme evolved from Janashree Bima Yojana into Aam Aadmi Bima Yojana. Confirm the current benefit and premium figures with KVIC or your khadi institution before relying on any specific number, rather than assuming an older published amount.

Who is eligible for Khadi Karigar Janashree Bima Yojana?

You can join if:

• You are a khadi artisan — a working spinner, weaver or allied worker in the khadi sector.
• You are between 18 and 59 years of age.
• You are enrolled through a recognised khadi institution registered with KVIC.

You cannot join if:

• You are not a khadi-sector artisan.
• You are below 18 or above 59 years of age.
• You are not attached to a khadi institution that enrols members under the scheme.

Because cover is offered as a group policy, individual artisans cannot buy it directly from LIC; the institution enrols its eligible artisans together.

What documents are required?

How to apply for Khadi Karigar Janashree Bima Yojana

1. Confirm you are enrolled with a khadi institution registered with KVIC; if not, register as an artisan with the institution you work for.
2. Ask the institution to include you in the group insurance scheme — the institution maintains the list of covered artisans and coordinates with KVIC and LIC.
3. Submit your age proof, bank details and nominee details to the institution for the group enrolment record.
4. Keep the enrolment acknowledgement, and inform your institution of any change in nominee, bank account or contact details.
5. In the event of a claim, the nominee approaches the khadi institution, which forwards the claim with the required certificates (such as a death or disability certificate) to LIC through KVIC.

Help and where to get support

• KVIC: kvic.gov.in
• Your khadi institution is the first point of contact for enrolment and claims.
• The nearest KVIC state or divisional office can confirm the current benefit amounts, premium share and claim procedure.

Because this scheme rides on an LIC social-security policy whose terms are revised over time, always verify the current cover and premium with KVIC or your institution rather than relying on a previously published figure.