BMSSY Scheme Complete Guide: Bina Mulya Samajik Suraksha Yojana

Last Updated on March 31, 2025 by Sudhir Singh

The Bina Mulya Samajik Suraksha Yojana (BMSSY) is a consolidated social security scheme launched by the Government of West Bengal to provide comprehensive financial protection to workers in the unorganised sector. This scheme merges several welfare programs into one unified initiative, including:

• State-Assisted Scheme of Provident Fund for Unorganised Workers (SASPFUW)
• Social Security Scheme for Construction Workers
• Transport Workers Welfare Scheme

Under BMSSY, eligible workers receive a wide range of benefits such as provident fund contributions, accidental and disability insurance, medical coverage, and a monthly pension post-retirement — all at zero cost to the worker.

BMSSY Overview Table

Why BMSSY Scheme Matters for You

India has a vast workforce engaged in the unorganised sector, with more than 90% of workers not having access to formal social security benefits. These workers include daily wage labourers, construction workers, transport workers, street vendors, small shopkeepers, and agricultural workers. Many of them face financial instability due to the absence of retirement savings, health insurance, and financial assistance in case of emergencies.

To address this issue, the Government of West Bengal has launched the Bina Mulya Samajik Suraksha Yojana (BMSSY), which provides financial security, health benefits, pensions, and provident fund contributions for unorganised workers. The most significant aspect of this scheme is that workers do not need to contribute anything as the government bears the entire cost.

This guide covers all the essential details of the scheme, including eligibility criteria, benefits, the application process, and common mistakes to avoid while applying.

Who Can Benefit from BMSS

BMSSY is open to a wide variety of unorganised sector workers and self-employed individuals. Here’s a quick look at who exactly qualifies:

Unorganized Industries Covered:

• Automobile Repair Garages (less than 20 workers)
• Bakery, Beedi Making, Boatman Service
• Brassware, Cashew Processing, Ceramic, Cinema
• Clinical Nursing Homes/Private Hospitals, Coir Industry
• Cottage Industries like Kite & Kite sticks Manufacturing, Embroidery & Zari Work, Paddy Husking
• Dal Mill, Decoration, Foot Wear, Forestry & Timber Operation
• Garment Making, Handloom, Hosiery, Hotels & Restaurants
• Iron Foundry, Khadi, Leather & Leather Goods, Medical Plants
• Paper Board Manufacturing, Plastic Industry, Power Loom
• Printing Press, Rice Mill, Rubber Products, Saw Mill
• Security Agencies, Sericulture, Shops & Establishments (less than 20 workers)
• Small Scale Engineering Units, Chemical Units, Tailoring Industries

Self-employed individuals covered:

• Land Surveyors (Amins), Ayah/Attendant in hospitals
• Barbers/Beauticians, Carpenters, Cobblers/Shoemakers
• Cycle Rickshaw & Van Pullers, Domestic Servants, Fishermen
• Gold & Silver Smiths, Head-load Workers, Idol Makers
• Railway and Street Hawkers, Waste Pickers
• Workers associated with NGOs and West Bengal Welfare Schemes

Eligibility Criteria for BMSSY

To qualify for this scheme, applicants must meet the following conditions:

• Must be a resident of West Bengal
• Age should be between 18 and 60 years
• Must be engaged in an unorganised sector such as:
  • Agricultural laborers
  • Construction workers
  • Transport workers (drivers, conductors, rickshaw pullers, etc.)
  • Street vendors and hawkers
  • Fishermen
  • Handloom and handicraft artisans
  • Self-employed workers in small businesses
• Family income should be ₹6,500 or below per month
• Must not be covered under formal social security schemes like Employees’ Provident Fund (EPF) or Employees’ State Insurance (ESI)

If an individual meets these conditions, they are eligible to apply for the BMSSY and start receiving its benefits.

Benefits of Bina Mulya Samajik Suraksha Yojana

1. Free provider Fund Contributions

One of the key features of BMSSY is that workers receive free provident fund (PF) benefits. Unlike regular PF accounts where employees contribute a portion of their salary, the West Bengal government fully contributes on behalf of the worker. This ensures that workers can accumulate retirement savings without financial burden.

Under this scheme:

• A fixed amount is deposited every month into the worker’s PF account.
• Workers can withdraw the amount after retirement, in case of disability, or for urgent needs.
• The accumulated savings provide a financial safety net for the future.

2. Financial Support in Case of Death or Disability

Workers engaged in the unorganised sector often face occupational hazards that can result in accidents, injuries, or even fatalities. BMSSY provides compensation to workers and their families in such unfortunate circumstances:

• Accidental Death Compensation: If a worker dies due to an accident, their family receives ₹2,00,000 as financial support.
• Natural Death Compensation: In case of natural death, the worker’s family gets ₹50,000.
• Permanent Disability Compensation: If a worker suffers from total disability (100% disability), they receive ₹1,00,000 as compensation.
• Partial Disability Compensation: If a worker suffers from partial disability (40% to 80%), they receive ₹50,000.

This financial assistance ensures that the worker’s family is not left helpless in case of unexpected incidents.

3. Medical and Health Benefits

Medical expenses can be a major financial burden, especially for workers without health insurance. BMSSY offers free medical benefits, including:

• Hospitalization coverage under the West Bengal Health Scheme
• Maternity benefits for pregnant women
• Critical illness treatment assistance

These benefits help workers reduce their healthcare expenses and receive timely medical treatment.

4. Pension After 60 Years

After a worker reaches 60 years of age, they start receiving a monthly pension under BMSSY. This ensures financial independence for workers who do not have any other retirement savings.

• The pension amount is deposited directly into the worker’s bank account every month.
• It continues for life, providing a stable income source after retirement.

Many unorganised sector workers struggle financially in old age due to a lack of pension benefits. BMSSY addresses this issue by providing lifelong pension support.

Complete User Manual – Bina Mulya Samajik Suraksha Yojana (BM-SSY)

1. Home Page

• Visit the official BMSSY website.
• Explore navigation options like About the Scheme, Registration, and Login.
• Click on the “About the Scheme” section to understand:

3. Beneficiary Registration Page

• After successful registration, proceed to login.
• Click “Beneficiary Registration” on the home page.
• Fill in initial information (name, Aadhaar number, mobile number, etc.).
• OTP-based mobile verification may be required.

4. Login Page

• You will be redirected to the Beneficiary Dashboard.
• Enter your username and password (created during registration).
• Complete CAPTCHA (if any) and click Login.

5. Beneficiary Dashboard Overview

• Profile & Settings

• Right side panel includes:

• Nominee Details Tab
• Click the tab to view, add, or edit nominee information.

• Add or update dependent family members, if applicable.

• Verify or update your bank account information for benefit disbursement.

6. Beneficiary Details Entry Tabs

• Enter personal details:

• Fill in Present & permanent address, District, block, panchayat/ward

• Enter bank account details, Account holder name, Account number, IFSC code

• NOMINEE DETAILS ENTRY SECTION TAB

• Dependent Details Entry – List dependents with their personal information.

• Document Upload Section – Upload Aadhaar, bank passbook, and other documents.

• Successful Upload Confirmation – System confirms all documents were uploaded.

• Final Application Preview – Review and submit your complete application.

• Upload Form-1 – Upload the signed Form-1 back into the system.

How to Apply for BMSSY: Step-by-Step Guide

Applying for BMSSY is simple, free, and does not require any contribution from the worker.

Step 1: Gather Required Documents

Before applying, workers need to collect the following documents:

• Aadhaar Card (for identity verification)
• Proof of residence (Voter ID, Ration Card, Utility Bill)
• Age proof (Birth certificate, Aadhaar, School certificate)
• Income certificate (to prove eligibility)
• Occupation proof (Trade license, Employer certificate, or Self-declaration)
• Bank account details (for receiving benefits)

Step 2: Visit the Enrollment Center

Workers must visit the nearest Duare Sarkar Camp, Block Development Office, or Municipal Office to collect the BMSSY application form.

Step 3: Fill Out the Application Form

The application form must be filled out carefully with accurate information. Any errors in name, date of birth, or bank details may result in delays or rejection.

Step 4: Submit the Form and Await Verification

Once the form is completed, it should be submitted at the enrolment center along with photocopies of required documents.

After submission, the officials will verify the applicant’s details, and upon successful verification, the worker will receive their BMSSY membership card.

BMSSY Application Charges

To assist the enrolled beneficiaries further, the state government has decided to waive off the beneficiary contribution of Rs 25/- a month towards subscription payment for provident funds and has decided to contribute the amount itself on behalf of the beneficiaries from 1st April 2020.  Thus the scheme was renamed as Bina Mulya Samajik Suraksha Yojana (BMSSY), where any enrolled beneficiary can avail all the available benefits without expending a single rupee.

Common Mistakes to Avoid While Applying BMSSY

Many applicants face delays or rejections due to common errors. Here’s how to avoid them:

• Ensure all documents are valid and up-to-date. Expired documents can lead to rejection.
• Provide accurate information. Any mismatch in details may cause delays.
• Apply early. Avoid last-minute rush during enrolment drives.

Conclusion: Why You Should Apply for BMSSY

BMSSY is a lifesaving scheme for unorganised workers, offering financial security, provident fund benefits, healthcare coverage, and a lifelong pension. The fact that workers do not need to contribute anything makes this scheme highly beneficial.

If you are an unorganized worker residing in West Bengal, applying for this scheme can secure your future and provide financial protection for your family.

To apply, visit your nearest Duare Sarkar Camp or local municipal office and enrol today.

For any questions regarding the scheme, contact the local authorities or visit the official government website for updates.