An OTP will be sent to this number for verification
You may have a pre-approved offer
Enter required home loan amount
In summary
The e-Shram portal addresses a long-standing gap in India's social protection framework — the 38+ crore unorganised sector workers who fall outside the formal employment net had no single national identity or registration mechanism before it was launched. Understanding how to register, what benefits it provides, and how it connects to formal credit access matters for anyone in the unorganised workforce.
This page covers:
- What the e-Shram portal is and who operates it
- Who can register — eligible worker categories
- Benefits of e-Shram registration
- Documents required for registration
- How to register on the e-Shram portal, step-by-step
- How to download your e-Shram card
- How to update your e-Shram registration details
- Difference between labour card and e-Shram card
- How e-Shram registration connects to home loan eligibility
What is the e-Shram portal?
The e-Shram portal is a National Database of Unorganised Workers (NDUW), launched by the Ministry of Labour and Employment in August 2021. It provides a centrally administered registration and identification system for India's vast unorganised sector workforce — construction workers, street vendors, agricultural labourers, domestic workers, migrant workers, ASHA workers, and others who are not covered under the Employees' Provident Fund (EPF) or Employees' State Insurance (ESI) schemes.
Upon registration, each worker receives a 12-digit e-Shram card bearing a unique Universal Account Number (UAN) — a portable identity that remains with the worker regardless of where they work, enabling portability of welfare benefits across states and employment types.
Who can register on e-Shram?
| Eligible category | Examples |
|---|---|
| Construction workers | Masons, carpenters, electricians, plumbers |
| Agricultural workers | Farm labourers, fishermen, farm equipment operators |
| Street vendors and hawkers | Mobile vendors, market stall operators |
| Domestic workers | House helpers, cooks, security guards |
| Transport sector workers | Auto/ taxi drivers, delivery workers, handcart pullers |
| Textile and garment workers | Weavers, tailors, embroidery workers |
| Beedi, cigar, and tobacco workers | Production and processing workers |
| Salt pan workers | Salt extraction and processing workers |
| Migrant workers | Inter-state migrant labourers across all sectors |
Age requirement: 16-59 years. Workers already covered under EPF or ESI (organised sector employees) are not eligible.
Benefits of e-Shram registration
- Pradhan Mantri Suraksha Bima Yojana (PMSBY) accident insurance: Registered workers are automatically enrolled in PMSBY, providing:
- Rs. 2 lakh in case of accidental death or total permanent disability
- Rs. 1 lakh in case of partial permanent disability
- Insurance premium covered by the central government for registered workers
- Eligibility for government welfare schemes: The e-Shram database is integrated with several government welfare schemes — registered workers are identified automatically as potential beneficiaries when new schemes are launched, without needing to separately apply for each.
- Portable UAN: The 12-digit Universal Account Number serves as a unique identifier across states and employers, enabling benefit portability for migrant workers.
- Social security foundation: As the database grows, e-Shram is intended to serve as the foundation for expanded social security coverage for the unorganised workforce over time.
Home loan for professionals
Documents required for e-Shram registration
- Aadhaar card (mandatory — Aadhaar number and registered mobile number for OTP verification)
- Bank account details (account number and IFSC code)
- Mobile number linked to Aadhaar (for OTP)
- Occupation details and income information
How to register on the e-Shram portal, step-by-step
- Visit the e-Shram portal on your mobile or computer
- Click 'Register on e-Shram' on the homepage
- Enter your Aadhaar-linked mobile number and the captcha code
- Click 'Send OTP' and enter the OTP received on your mobile
- Enter your Aadhaar number and verify again via OTP
- Your basic details will be auto-filled from the Aadhaar database — verify and correct if needed
- Fill in your occupation, employment type, bank account details, and monthly income range
- Review all entered details for accuracy
- Submit the form
- Your 12-digit UAN (Universal Account Number) will be generated and displayed — this is your e-Shram registration number
- Download your e-Shram card from the portal
If you do not have internet access, registration can also be done at any Common Service Centre (CSC) near you — the CSC operator will complete the process on your behalf.
How to download your e-Shram card
- Visit the e-Shram portal
- Click 'Already Registered' or navigate to the member login section
- Enter your UAN or Aadhaar-linked mobile number
- Verify via OTP
- Click 'Download UAN Card' to save your e-Shram card as a PDF
How to update your e-Shram registration details
If your address, occupation, bank account, or other details change, update your registration through the portal:
- Log in using your UAN and Aadhaar-linked mobile number
- Navigate to ‘Update Profile’
- Edit the relevant details
- Submit — updates reflect immediately in the national database
Difference between a labour card and an e-Shram card
| Aspect | Labour card (state-issued) | e-Shram card (central) |
|---|---|---|
| Issuing authority | State government (e.g., Labour Department) | Central government (Ministry of Labour) |
| Scope | State-specific; typically for construction workers under Building & Other Construction Workers Act | National; covers all unorganised sector categories |
| Portability | Limited to the issuing state | Portable across all states — UAN is national |
| Benefits | State welfare board schemes specific to construction workers | PMSBY insurance + central scheme eligibility |
Some states have their own labour cards (particularly for BOCW — Building and Other Construction Workers) which continue to operate alongside the central e-Shram registration. Workers in construction should ideally be registered under both for maximum benefit access.
How e-Shram registration connects to home loan eligibility
An e-Shram card alone is not sufficient income documentation for a home loan application — lenders require formal income proof such as bank statements, ITR filings, or salary slips. However, for unorganised sector workers, e-Shram registration establishes a formal government identity and can serve as part of a broader KYC documentation set.
For workers in the informal sector looking to access housing finance, Bajaj Finance offers home loans from 7.25% p.a.* with amounts up to Rs. 15 Crore* and tenures up to 32 years. Eligibility is assessed on income documentation — bank statements, ITR, or other verifiable income evidence alongside identity proof. Check your eligibility today.
The e-Shram portal represents a significant step toward bringing India's unorganised workforce into the formal social protection framework. Registration is simple, free, and takes under 10 minutes with an Aadhaar-linked mobile number.
Frequently Asked Questions
Registration details
Card usage
Is e-Shram registration free?
Yes. Registration on the e-Shram portal is completely free. If registering at a Common Service Centre (CSC), the CSC may charge a nominal service fee (typically Rs. 20-30) for the operator's time, but the government does not charge any fee for the registration itself.
Does e-Shram registration need to be renewed?
Currently, the e-Shram UAN does not expire — however, workers are advised to update their details annually or whenever there is a change in occupation, address, or bank account to ensure accuracy and continued benefit eligibility.
Can migrant workers use their e-Shram card in a different state?
Yes — the UAN is specifically designed to be portable across states, addressing the benefit portability gap that migrant workers faced with state-specific labour cards. Benefits linked to e-Shram registration are accessible regardless of which state the worker is currently employed in.
Home Loan in Different Cities
Home Loan in Mumbai
Home Loan in Ahmedabad
Home Loan in Bangalore
Home Loan in Chennai
Home Loan in Delhi
Home Loan in Hyderabad
Home Loan in Cochin
Home Loan in Noida
Home Loan in Pune
Home Loan for different budget
Check your pre-approved offer now
Our Calculators
What do our customers say about us
More Articles
Watch our videos
Disclaimer
1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.
2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.