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Financial aid upon job loss: Get 50% of your salary for up to 90 days under this ESIC scheme—here’s how to apply..

Shikha Saxena | June 16, 2026 3:15 PM CST

Under ESIC's 'Atal Beemit Vyakti Kalyan Yojana', an employee receives a financial benefit of up to 50% of their average salary for 90 days in the event of job loss. This scheme is intended for eligible employees who have worked for at least one year and have made continuous ESI contributions. The assistance is credited directly to the bank account, and applications can be submitted via the ESIC portal. Let us explain what the Atal Beemit Vyakti Kalyan Yojana is and how to apply for it.

What is the Atal Beemit Vyakti Kalyan Yojana?
The Atal Beemit Vyakti Kalyan Yojana is a welfare measure for employees covered under Section 2(9) of the ESI Act, 1948, providing a one-time relief payment for a period of 90 days. Under this scheme, financial assistance amounting to 50% of the average salary is provided for 90 days upon the loss of employment. The scheme applies to employees earning less than ₹21,000 per month who have been associated with ESI for at least one year.

Scheme Features and Eligibility
Benefit: Relief amounting to 50% of the average salary for a total of 90 days during the period of unemployment.

Eligibility: The employee must have been insured (ESIC registered) for at least two years and must have contributed for a minimum of 78 days across the four contribution periods preceding the unemployment.

Timeline: The claim for relief can be made 30 days after the date of unemployment.

Exclusions: Benefits will not be granted if the unemployment is due to dismissal from service, a criminal case, or voluntary retirement (VRS).

How to Apply
Visit the official ESIC website.
Fill out the online form for the Atal Beemit Vyakti Kalyan Yojana.
Additionally, take a printout of the form and submit it—along with copies of your Aadhaar card and bank account details—to the nearest ESIC branch.

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