Uttar Pradesh Mukhyamantri Sookshm Udyamee Durghatna Beema Yojana

Mukhyamantri Sookshm Udyamee Durghatna Beema Yojana is an accident insurance scheme of the Directorate of Industries (MSME Department), Government of Uttar Pradesh. The scheme provides financial protection of up to Rs. 5 lakh to eligible micro-entrepreneurs and their families in the event of accidental death or disability, without requiring any premium payment from the beneficiary.

Introduction of Uttar Pradesh Mukhyamantri Sookshm Udyamee Durghatna Beema Yojana: A Brief Insight

A small workshop owner, home-based manufacturer, tailor, mechanic, or micro business operator works hard every day to support their family. But a serious accident can suddenly stop that income and leave the entire family facing financial difficulties. To protect such situations, the Government of Uttar Pradesh launched Mukhyamantri Sookshm Udyamee Durghatna Beema Yojana on 21 August 2023, World Entrepreneurship Day, under the leadership of Chief Minister Yogi Adityanath.

The scheme is implemented by the Directorate of Industries (MSME Department), Government of Uttar Pradesh. Its main objective is to provide financial security to micro-entrepreneurs and their families in the event of accidental death or disability. The scheme specifically covers entrepreneurs who are not eligible under the GST Department’s separate trader insurance programme.

Under this scheme, eligible micro-entrepreneurs between 18 and 60 years of age receive accident insurance protection without paying any premium. In the event of accidental death or permanent total disability, financial assistance of Rs. 5 lakh is provided. In cases of partial permanent disability, compensation is calculated according to the disability percentage certified by the Chief Medical Officer (CMO).

One of the biggest advantages of the scheme is that beneficiaries do not have to spend anything for insurance coverage. The entire premium is paid by the Uttar Pradesh Government, ensuring that even small entrepreneurs can receive financial protection without any additional burden.

If an accident occurs, the entrepreneur’s family member or nominee can submit a claim online through the official portal. After verification by the concerned district’s Deputy Commissioner of Industries, the approved amount is transferred directly to the beneficiary’s bank account through DBT. As per the scheme guidelines, payment is generally released within one month of receiving the district recommendation.

Both enrolment and claim-related services are available through the Directorate of Industries UPMSME portal. Entrepreneurs can also seek assistance through the toll-free helpline 155343 for scheme-related guidance.

Registered GST traders should instead check their eligibility under the Mukhyamantri Vyapari Durghatna Bima Yojana, which offers a higher Rs. 10 lakh insurance cover specifically for traders. Young entrepreneurs planning to start a business can explore the Mukhyamantri Yuva Udyami Vikas Abhiyan (MYUVA), which provides interest-free loans up to Rs. 5 lakh. Similarly, the Central Government’s Pradhan Mantri Mudra Yojana (PMMY) offers collateral-free business loans for small entrepreneurs across India.

Micro-entrepreneurs, business owners, and anyone looking for more MSME and welfare schemes available under the Uttar Pradesh Government can explore all available programmes on our Uttar Pradesh Government Welfare Schemes List page.

Benefits Provided to Eligible Beneficiaries

Mukhyamantri Sookshm Udyamee Durghatna Beema Yojana provides financial protection to micro entrepreneurs and their families in the event of an accident. The scheme ensures that eligible beneficiaries receive compensation directly from the Government of Uttar Pradesh without paying any insurance premium.

Insurance Coverage Available Under the Scheme

Government-Funded Insurance Protection

• No premium is required from the beneficiary
• The entire cost of insurance coverage is borne by the Uttar Pradesh Government
• Eligible micro entrepreneurs receive accident insurance protection free of charge

Claim Settlement and Payment Process

• In case of an accident, the beneficiary, nominee, or legal heir can submit an online claim application
• The claim is examined and verified by the Deputy Commissioner of Industries of the concerned district
• After district-level recommendation, the Directorate processes the approved claim
• The sanctioned amount is transferred directly to the beneficiary’s or nominee’s bank account through DBT
• Payment is generally released within one month from the date the district recommendation reaches the Directorate

Eligibility Conditions Required to be Fulfilled

To receive insurance coverage under Mukhyamantri Sookshm Udyamee Durghatna Beema Yojana, applicants must satisfy the eligibility conditions prescribed by the Directorate of Industries, MSME Department, Government of Uttar Pradesh. The scheme specifically targets micro entrepreneurs who are not covered under the state’s trader accident insurance programme.

Eligible Beneficiaries

• Must be a micro entrepreneur operating within Uttar Pradesh
• Applicant’s age should be between 18 and 60 years
• Must not be eligible for the GST Department’s Mukhyamantri Vyapari Durghatna Bima Yojana (Trader Accident Insurance Scheme)

Note: The official scheme guidelines do not prescribe a separate turnover limit, investment threshold, or mandatory Udyam Registration number as an eligibility condition. However, entrepreneurs should keep their MSME/Udyam-related records updated to avoid difficulties during verification and claim processing.

Who Is Not Eligible

• Individuals below 18 years or above 60 years of age
• Persons who do not fall under the category of micro entrepreneurs
• Traders already covered under the GST Department’s Trader Accident Insurance Scheme
• Cases where valid accident, disability, or death-related evidence is unavailable
• Applicants submitting incomplete, incorrect, or mismatched documents
• Claims where nominee or legal heir details cannot be properly verified

Documents Required to be Attached

Applicants and their nominees should keep the required documents ready while enrolling under Mukhyamantri Sookshm Udyamee Durghatna Beema Yojana or while submitting an accident insurance claim. Having complete and accurate documents helps ensure faster verification and settlement of benefits.

For Registration/Enrollment

• Aadhaar Card, Voter ID Card, or any other valid identity proof
• Age proof document
• Caste certificate (if applicable)
• Bank account details
• Udyam/MSME registration details, wherever available

Note: Although the official guidelines do not specifically mention Udyam Registration as a mandatory document, maintaining updated Udyam/MSME registration details is advisable, as it helps establish the applicant’s status as a micro entrepreneur.

For Claim Settlement After an Accident

• Accident-related documents such as FIR, General Diary (GD), police report, or any other supporting evidence
• Death Certificate, in case of accidental death
• Disability Certificate issued by the Chief Medical Officer (CMO), in case of permanent total or partial disability
• Nominee or legal heir identification and relationship proof
• Bank passbook copy or cancelled cheque of the nominee/legal heir
• Udyam/MSME registration details of the insured entrepreneur
• Any additional document sought by the concerned department during verification

How Beneficiaries Can Apply to Avail the Benefit of the Scheme

The application process for this scheme is completely online. If you are a micro entrepreneur in Uttar Pradesh, you can enroll yourself through the UPMSME portal and secure accident insurance coverage for yourself and financial protection for your family.

Don’t worry if you’ve never used the portal before. Just follow the steps below one by one.

Step 1: Create Your Account on the Portal

Step 1: Visit the official UPMSME Directorate Portal or the UP MSME Registration/Login Portal.

Step 2: If you are using the portal for the first time, complete the registration process by entering your basic details. Existing users can simply log in using their registered credentials.

Step 2: Enrol Under the Insurance Scheme

Step 3: After logging in, open your beneficiary profile section.

Step 4: Look for “Mukhyamantri Sookshm Udyamee Durghatna Beema Yojana” from the list of available schemes and select it.

Step 5: Fill in the required information carefully, including your personal details, business details, nominee information, and bank account details.

Step 6: Verify all information before submission and make sure your MSME/Udyam-related details are updated on the portal.

Step 7: Submit the application and keep the acknowledgement or reference number safely for future use.

Step 3: If an Accident Happens in Future

Many people think the scheme provides immediate cash after registration. That’s not how it works.

This scheme acts like an accident insurance cover. Registration keeps you protected, but a claim is filed only if an accidental death or disability occurs.

Step 8: In such a situation, the entrepreneur’s nominee, family member, or legal heir should log in to the same portal and submit an online claim.

Step 9: Upload all required documents such as the accident report, FIR or police record, death certificate (if applicable), or disability certificate issued by the Chief Medical Officer (CMO).

Step 10: Submit the claim application online and note down the claim reference number.

Step 4: Verification and Approval

Step 11: The claim is forwarded to the Deputy Commissioner of Industries of the concerned district for verification.

Step 12: The district office checks the documents, verifies the facts of the case, and sends its recommendation to the Directorate.

Step 13: After approval, the eligible compensation amount is transferred directly to the beneficiary’s or nominee’s bank account through DBT.

Step 14: Generally, payment is released within one month from the date the Directorate receives the district recommendation.

How to Check Application or Claim Status

Step 15: Visit the UPMSME Directorate Portal and log in to your account.

Step 16: Open the beneficiary or claim dashboard to view the current status of your application or insurance claim.

Step 17: If any document is missing or additional information is requested, submit the required details as soon as possible to avoid delays.

Important: Keep your nominee details, bank account information, and contact details updated on the portal at all times. In the event of an accident, accurate records help your family receive the insurance benefit quickly and without unnecessary complications.

Important Links Available of the Scheme

• Mukhyamantri Sookshm Udyamee Durghatna Beema Yojana Official Scheme Page
• Official Scheme Information (PDF)
• Directorate of Industries UPMSME Portal Application and Claim Filing
• UP MSME Registration and Login Portal

Contact Details in Case of Help Needed

• Nodal Department: Directorate of Industries (MSME Department), Government of Uttar Pradesh
• Toll-Free Helpline: 155343 (Mon-Sat, 10 AM-6 PM IST)
• WhatsApp: 8957540649
• Email: ramp@upsic.in
• Local Level: Contact the Deputy Commissioner of Industries of your district for claim-related queries

Frequently Asked Questions (FAQs)

Q. What is Mukhyamantri Sookshm Udyamee Durghatna Beema Yojana?

Ans. Mukhyamantri Sookshm Udyamee Durghatna Beema Yojana is an accident insurance scheme launched by the Directorate of Industries, MSME Department, Government of Uttar Pradesh. The scheme provides financial assistance to eligible micro entrepreneurs and their families in cases of accidental death or disability.

Q. Who can avail the benefits of this scheme?

Ans. Micro entrepreneurs residing and operating in Uttar Pradesh, aged between 18 and 60 years, can avail the scheme, provided they are not covered under the GST Department’s Mukhyamantri Vyapari Durghatna Bima Yojana.

Q. What insurance coverage is available under the scheme?

Ans. The scheme provides Rs. 5 lakh in case of accidental death or permanent total disability. In cases of permanent partial disability, compensation is paid according to the disability percentage certified by the Chief Medical Officer (CMO).

Q. Does the beneficiary need to pay any premium?

Ans. No. The entire insurance premium is borne by the Government of Uttar Pradesh. Eligible entrepreneurs receive coverage completely free of cost.

Q. Is this scheme different from Mukhyamantri Vyapari Durghatna Bima Yojana?

Ans. Yes. Mukhyamantri Vyapari Durghatna Bima Yojana is meant for eligible traders covered under the GST system, whereas Mukhyamantri Sookshm Udyamee Durghatna Beema Yojana has been introduced specifically for micro entrepreneurs who are not covered under that trader insurance scheme.

Q. Is Udyam Registration compulsory for enrollment?

Ans. The official scheme guidelines do not specifically mention Udyam Registration as a mandatory eligibility requirement. However, entrepreneurs should keep their Udyam/MSME details updated on the portal for easier verification and claim processing.

Q. How can I enrol under the scheme?

Ans. Enrollment can be completed online through the UPMSME Directorate portal by creating a beneficiary profile, filling in the required details, and registering under the scheme.

Q. What should be done if an accident occurs?

Ans. In the event of an accident, the entrepreneur, nominee, or legal heir should submit an online claim through the UPMSME portal along with the required supporting documents.

Q. Which documents are required for an accident claim?

Ans. Depending on the nature of the claim, documents such as FIR or police report, death certificate, disability certificate issued by the CMO, nominee details, bank account information, and other supporting records may be required.

Q. How is compensation paid to the beneficiary?

Ans. After verification by the Deputy Commissioner of Industries and approval by the Directorate, the sanctioned amount is transferred directly to the beneficiary’s or nominee’s bank account through Direct Benefit Transfer (DBT).

Q. How long does claim settlement usually take?

Ans. Once the district-level recommendation reaches the Directorate, the approved compensation amount is generally released within one month through DBT.

Q. How can I check my application or claim status?

Ans. Applicants can log in to the UPMSME Directorate portal and check the status of their enrollment or claim through the beneficiary dashboard.

Q. Can a claim be rejected?

Ans. Yes. Claims may be rejected if required documents are missing, information is incorrect, the accident cannot be verified, or the claimant does not satisfy the scheme conditions.

Q. Where can I get assistance regarding this scheme?

Ans. Beneficiaries can call the toll-free helpline 155343 or contact the office of the Deputy Commissioner of Industries in their district for guidance and assistance.

Tabassum

Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.