ABVKY: Fire Hone Pe Sarkar Degi 90 Din Ki Aadhi Salary — Yeh ESIC Ka Haq Koi Nahi Batata
- 1 Salary slip check karo — ESIC deduction hai toh yeh scheme aapki hai
- 2 Khud resign mat karo — company ko fire karne do, tabhi benefit milega
- 3 30 din baad ESIC portal pe ABVKY claim file karo ESIC number se login karke
- Salary slip mein ESIC deduction ho raha ho
- Kam se kam 2 saal ESIC contribution hua ho
- Company ne fire kiya ho — resign nahi kiya
- Naukri jaane ke 30 din baad claim karo
- Koi doosri naukri na ho claim ke waqt
| Mahina | ABVKY Amount (50%) | Status |
|---|---|---|
| Month 1 | ₹20,000 | Sarkar bhejegi |
| Month 2 | ₹20,000 | Sarkar bhejegi |
| Month 3 | ₹20,000 | Sarkar bhejegi |
| Total | ₹60,000 | Bina 1 din kaam kiye |
ABVKY Kya Hai?
Atal Beemit Vyakti Kalyan Yojana (ABVKY) ek central government scheme hai jo ESIC (Employees' State Insurance Corporation) ke under aati hai. Isme agar aapki company ne aapko fire kiya — yaani involuntary unemployment hua — toh sarkar aapke bank account mein directly 90 din tak aapki aadhi salary bhejti hai. Aapko ek bhi din kaam karne ki zaroorat nahi.
Yeh scheme 2018 mein launch hui thi aur 2021 mein isko aur strong banaya gaya — benefit 25% se badhaakar 50% salary kar diya gaya. Lekin aaj bhi lakho eligible employees ko iska pata nahi hai aur woh is haq se chook jaate hain.
Step 1 — Pehle Check Karo: Kya Yeh Scheme Aapki Hai?
Apni salary slip nikalo. Agar usme ESIC ke naam pe koi deduction dikh raha hai — chahe 0.75% hi kyun na ho — toh aap ESIC registered employee hain. Matlab yeh scheme 100% aapki hai.
ESIC un employees par laagu hota hai jinki gross salary ₹21,000 per month tak hai aur jo registered establishments mein kaam karte hain. Agar aapki salary ₹21,000 se zyada hai lekin company ESIC kaat rahi hai, toh bhi aap registered hain aur yeh benefit aapko milega.
Salary slip mein "ESI", "ESIC", ya "Employee State Insurance" likh ho — toh samajh lo aap covered hain.
Step 2 — Sabse Badi Galti Jo Mat Karna: Khud Resign
ABVKY sirf involuntary unemployment pe milta hai — yaani company ne fire kiya, ya retrenchment hua, ya company band ho gayi. Agar aapne khud resign kiya toh yeh benefit nahi milega.
Isliye agar company aapse resign karwane ki koshish kar rahi hai — "aap khud resign karo warna hum fire karenge" — toh woh aapka ABVKY haq chheen rahi hai. Unhe khud fire karne do. Legal taur pe aapka zyada kuch nahi bigdega, aur aapko 90 din ki salary alag se milegi.
Is ek galti ki wajah se crores ke employees apna paisa chhood dete hain. Resign karna aur fire hona — dono mein sirf ek word ka fark hai, lekin financially yeh ₹20,000 se ₹1 lakh+ ka fark ban sakta hai.
2 Saal Ki Naukri Ke Baad Aur Kya Milta Hai?
Agar company ne fire kiya aur aapne us company mein 2 saal se zyada kaam kiya hai, toh ABVKY ke alawa aapko milega:
- PF (Provident Fund): Aapka poora PF balance — employee + employer contribution — aap withdraw kar sakte hain. Koi deduction nahi agar 5 saal poore ho chuke hain.
- Gratuity: 5 saal poore hone pe gratuity banti hai. Lekin Supreme Court ke Surendra Kumar Verma case (1980) ke mutabiq 240 working days ko 1 saal count kiya jaata hai — matlab 4 saal 8 mahine ka kaam bhi 5 saal count ho sakta hai.
Yaani fire hona = ABVKY + PF + Gratuity. Teen alag-alag paison ka haq. Resign karne pe PF toh milega, baaki do miss ho sakte hain.
90 Din Mein Kitna Milega? Real Numbers
ABVKY mein milne wali rashi hoti hai: Average Daily Wages × 50% × Number of Days.
| Monthly Salary | Daily Wage (÷26) | 50% ABVKY/Day | 90 Din Ka Total |
|---|---|---|---|
| ₹15,000 | ₹577 | ₹289 | ₹26,000 |
| ₹25,000 | ₹962 | ₹481 | ₹43,300 |
| ₹40,000 | ₹1,538 | ₹769 | ₹69,200 |
| ₹60,000 | ₹2,308 | ₹1,154 | ₹1,03,800 |
Note: ABVKY mein maximum benefit 90 days tak hai. Agar aap dobaara naukri join kar lete hain toh benefit band ho jaata hai.
Step 3 — ABVKY Claim Kaise Karein? Poora Process
Naukri jaane ke baad 30 din wait karo — yeh mandatory cooldown period hai. Uske baad:
- ESIC portal pe jao: www.esic.gov.in
- ESIC IP (Insured Person) number se login karo — yeh aapki salary slip ya ESIC card pe hota hai
- ABVKY section mein jao — "Insured Person Portal" ke andar milega
- Claim form bharo: Bank account details, Aadhaar, last employer details, separation date
- Declaration submit karo ki aap currently employed nahi hain
- Paisa seedha aapke bank account mein aata hai — koi middleman nahi
Documents jo ready rakhne chahiye: Aadhaar card, Bank passbook/cancelled cheque, Last salary slip, ESIC card ya IP number, Termination letter (agar mile).
Kya ABVKY Sabko Milta Hai? Poori Eligibility
ABVKY ke liye yeh conditions poori honi chahiye:
- ESIC registered establishment mein kaam kiya ho
- Kam se kam 2 saal (24 months) ka ESIC contribution ho — 78+ contribution days per year
- Khud resign nahi kiya ho — involuntary unemployment zaroor ho
- Unemployment ke waqt koi doosri regular employment na ho
- Naukri jaane ke 1 saal ke andar claim file karo — baad mein expire ho jaata hai
Ek important baat: ABVKY salary pe koi cap nahi hai — ₹21,000+ salary wale bhi agar ESIC registered hain toh eligible hain, kyunki unka ESIC contribution already hua hai.
Ek Baar Mein Samajhlo: Resign vs Fire Ka Fark
| Situation | ABVKY (90 din ki 50% salary) | PF Withdrawal | Gratuity (5 yr+) |
|---|---|---|---|
| Aapne Resign Kiya | ❌ Nahi milega | ✅ Milega | ✅ Milega (5 yr pe) |
| Company Ne Fire Kiya | ✅ Milega | ✅ Milega | ✅ Milega (5 yr pe) |
| Mutual Settlement | ⚠️ Depends on terms | ✅ Milega | ✅ Milega (5 yr pe) |
Know Your Employee Rights
ABVKY, gratuity, PF, ya koi bhi employee rights ka sawaal — Mulazim AI se seedha poochho.
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