Rashtriya Parivarik Labh Yojana 2024

In a nation where the family unit is the cornerstone of society, the Government of India continuously strives to introduce schemes that bolster the economic and social security of its citizens. The Rashtriya Parivarik Labh Yojana (RPLY) emerges as a pivotal initiative in this ongoing mission. This scheme is designed to provide a robust safety net for families, ensuring financial stability and a dignified life in the face of unforeseen circumstances.

If you’ve landed on this page, you are likely seeking clear, reliable, and comprehensive information about this significant scheme. You might be asking: What exactly is the Rashtriya Parivarik Labh Yojana? Who is eligible to benefit from it? How can I apply, and what steps are involved? This definitive guide has been meticulously crafted to answer all these questions and more. We will delve deep into every aspect of RPLY, from its core objectives and salient features to a step-by-step walkthrough of the application and status check process. Our goal is to be your one-stop resource, empowering you with the knowledge to secure your family’s future.

Understanding the Rashtriya Parivarik Labh Yojana (RPLY): An Overview

The Rashtriya Parivarik Labh Yojana, which translates to “National Family Benefit Scheme,” is a social security program under the broader umbrella of the Ministry of Rural Development’s National Social Assistance Programme (NSAP). While it has historical roots, the scheme is often revitalized and promoted with new guidelines, making information about the “2024” version highly sought after.

At its heart, RPLY is a life insurance and financial assistance scheme. It is specifically targeted at families living below the poverty line (BPL). The primary objective is to provide a lump-sum financial aid to the household in the tragic event of the death of the primary breadwinner. This monetary support is not a loan but a grant, meaning it does not need to be repaid. It serves as a crucial buffer, helping the bereaved family cope with immediate expenses and maintain a semblance of financial stability during a period of immense emotional distress.

The scheme recognizes that the loss of the main earning member can plunge a vulnerable family into deeper economic hardship. RPLY acts as a shield, preventing such a catastrophe and ensuring that the family can meet its basic needs without falling into a debt trap or compromising on essential aspects like children’s education.

Key Objectives of Rashtriya Parivarik Labh Yojana:

1. Financial Protection: To provide immediate financial support to BPL families facing the loss of their primary breadwinner.

2. Poverty Alleviation: To prevent the sudden impoverishment of families already on the margins of the economy.

3. Social Security: To strengthen the social security framework for the most disadvantaged sections of Indian society.

4. Dignified Living: To enable families to manage crisis situations with dignity and without resorting to distress measures.

Salient Features and Benefits of RPLY: What Does It Offer?

Understanding the specific features and benefits of the Rashtriya Parivarik Labh Yojana is crucial for potential beneficiaries. Here’s a breakdown of what the scheme promises:

• Lump-Sum Financial Assistance: The cornerstone of RPLY is a one-time lump-sum payment made to the eligible family. While the amount has been revised over the years, it is typically a significant sum, often reported to be in the range of ₹20,000 to ₹30,000. This amount is intended to support the family’s immediate and medium-term needs.

• Targeted Beneficiary Group: The scheme is not universal; it is specifically designed for households identified as Below Poverty Line (BPL) as per the latest government census and criteria. This ensures that the aid reaches those who need it the most.

• Definition of Primary Breadwinner: The scheme clearly defines the “primary breadwinner” as a member of the family whose earnings contribute substantially to the household’s total income. This person could be male or female. In the event of this person’s death, the family becomes eligible for the benefit.

• Cause of Death: The benefit is applicable irrespective of the cause of death of the primary breadwinner. It covers death due to natural causes, accidents, or any other reason.

• Age Criteria: Typically, the primary breadwinner should have been between 18 and 60 years of age at the time of their death for the family to be eligible.

• Direct Benefit Transfer (DBT): To enhance transparency and eliminate leakages, the financial assistance is preferably transferred directly to the bank account of the nominated beneficiary (usually the surviving spouse or the eldest member of the household) through the Direct Benefit Transfer mechanism.

Eligibility Criteria: Who Can Apply for Rashtriya Parivarik Labh Yojana?

Eligibility is the most critical filter for any government scheme. To qualify for the benefits under RPLY, a family must meet the following conditions:

1. Below Poverty Line (BPL) Status: The family must possess a valid BPL card issued by the respective State/Union Territory government. The family’s name must be included in the official BPL list.

2. Death of the Primary Breadwinner: The scheme is triggered only by the death of the person who was the main earner for the family.

3. Age of the Breadwinner: The deceased breadwinner must have been between 18 and 60 years of age. This ensures the scheme covers the typical working-age population.

4. Residential Status: The family must be a resident of India.

5. One-Time Benefit: The assistance is provided only once for a family. If a family receives the benefit and unfortunately loses another breadwinner later, it will not be eligible for a second payment.

It is important to note that eligibility criteria can be state-specific to some extent, as the identification of BPL families is done by state authorities. Therefore, it is always advisable to check with local authorities for any additional requirements.

Who is Not Eligible?

• Families above the poverty line (APL).

• Families who have already availed of the benefit under RPLY or a similar scheme for a previous death.

• Cases where the deceased breadwinner was below 18 or above 60 years of age.

• Employees covered under the Employees’ State Insurance Corporation (ESIC) scheme or other government pension schemes might have different provisions and may not be eligible for RPLY.

Required Documents for Application

Having the correct documents ready is essential for a smooth application process. The typical documents required for Rashtriya Parivarik Labh Yojana are:

• BPL Ration Card: This is the primary document to prove the family’s economic status.

• Death Certificate of the Primary Breadwinner: Issued by the local municipal authority or registrar. This is a mandatory document.

• Aadhaar Card of the Applicant/Beneficiary: For identity proof and for Direct Benefit Transfer.

• Aadhaar Card of the Deceased Breadwinner.

• Bank Account Passbook: Of the beneficiary (the person who will receive the amount). The account should be linked with the Aadhaar number.

• Age Proof of the Deceased: Such as Aadhaar, Birth Certificate, School Leaving Certificate, etc., to verify that the breadwinner was between 18-60 years old.

• Passport-Sized Photographs of the applicant.

• Mobile Number: A active mobile number for communication and OTP verification.

• Affidavit/Self-Declaration: A declaration stating that the family has not received any similar benefit for this death from any other government scheme.

Step-by-Step Guide to Apply for Rashtriya Parivarik Labh Yojana

The application process for RPLY can be initiated both online and offline. However, with the government’s push for digitalization, the online method is increasingly becoming the preferred route due to its convenience and transparency.

Method 1: Online Application Process

The online application is typically processed through the NSAP portal or the respective State’s Social Welfare portal. Here is a generalized step-by-step guide:

1. Visit the Official Portal: Go to the official website of the National Social Assistance Programme (NSAP) – https://nsap.nic.in or your state’s specific portal for social security schemes (e.g., sspy-up.gov.in for Uttar Pradesh).

2. Registration/Login: If you are a new user, look for the “Register” or “Citizen Login” section. You will need to create an account using your Aadhaar number, mobile number, and email ID. If you already have an account, simply log in.

3. Select the Scheme: After logging in, navigate to the “Apply for Scheme” or “Services” section. From the list of available schemes, select “Rashtriya Parivarik Labh Yojana” or “National Family Benefit Scheme (NFBS).”

4. Fill the Application Form: A detailed online form will open. Carefully fill in all the required details:

   • Applicant’s Details: Name, Aadhaar, address, mobile number, etc.

   • Deceased Breadwinner’s Details: Name, Aadhaar, age at death, date of death, etc.

   • Family Details: Names of other family members.

   • Bank Account Details: Account number, IFSC code, etc.

5. Upload Documents: Scan and upload clear copies of all the required documents listed in the previous section (BPL Card, Death Certificate, Aadhaar Cards, etc.). Ensure the files are within the specified size and format limits (usually PDF/JPG).

6. Review and Submit: Before submitting, review all the entered information thoroughly to avoid errors. Once confirmed, submit the application.

7. Acknowledgement Receipt: Upon successful submission, you will receive an application number or acknowledgement receipt. Note this number down carefully for future reference to track your application status.

Method 2: Offline Application Process

For those without internet access, the offline method remains available.

1. Visit the Nearest Office: Go to your nearest Block Development Office (BDO), Gram Panchayat Office, or Municipal Corporation Office.

2. Collect the Form: Request the physical application form for the Rashtriya Parivarik Labh Yojana from the concerned official.

3. Fill the Form: Fill out the form manually with accurate details.

4. Attach Documents: Attach self-attested copies of all the required documents with the form.

5. Submit the Application: Submit the complete application form and documents to the same office. Obtain a stamped acknowledgement receipt from the official.

How to Check Your Rashtriya Parivarik Labh Yojana Application Status

After applying, it’s natural to want to track the progress of your application. You can check the status online or offline.

Online Status Check

1. Go to the Official Portal: Visit the NSAP or your state’s portal where you applied.

2. Find the ‘Track Application’ Section: Look for a link or tab labeled “Track Application Status,” “Know Your Status,” or something similar.

3. Enter Required Details: You will need to enter your Application Number or your Aadhaar Number.

4. View Status: Click on “Submit” or “Check Status.” The portal will display the current status of your application. The status could be “Under Review,” “Sent for Verification,” “Approved,” or “Payment Dispatched.”

Offline Status Check

You can also visit the office where you submitted your application (Gram Panchayat or BDO office) and inquire about the status with the help of your acknowledgement number.

Rashtriya Parivarik Labh Yojana Beneficiary List

Many states publish a list of beneficiaries who have been approved for or have received the payment. This is done to promote transparency. You can usually find this list on the official NSAP or state portal under sections like “Beneficiary List,” “Reports,” or “DISHA.” You can search the list by your district, block, and village to see if your name is included.

Common Reasons for Application Rejection and How to Avoid Them

Applications can sometimes get rejected. Being aware of common pitfalls can help you avoid them:

• Incorrect or Incomplete Information: Typos in names, Aadhaar numbers, or bank details are a major cause of rejection. Double-check everything.

• Invalid BPL Status: If your family’s name is not on the official BPL list, the application will be rejected.

• Missing or Unclear Documents: Uploaded documents that are blurry, incomplete, or not self-attested can lead to rejection. Ensure all documents are clear and valid.

• Age of Breadwinner Not Met: If the death certificate shows the breadwinner was outside the 18-60 age bracket, the application will not be processed.

• Duplicate Application: Applying more than once for the same death incident can lead to cancellation.

• Bank Account Not Linked with Aadhaar: For DBT to work, the beneficiary’s bank account must be linked with their Aadhaar number.

If your application is rejected, you will typically receive a reason. You can often rectify the issue and re-apply or file an appeal with the concerned authority.

Rashtriya Parivarik Labh Yojana: Helpline and Grievance Redressal

If you face any issues during the application process or have queries, you can use the following channels:

• Toll-Free Helpline Number: Many states have a dedicated helpline. Check the official NSAP or state portal for the number (e.g., 1800-180-1551 for NSAP in some states).

• Email: You can send an email to the support ID provided on the official website.

• Public Grievance Portal: You can lodge a complaint on the CPGRAMS (Centralized Public Grievance Redress and Monitoring System) portal (https://pgportal.gov.in), selecting the Ministry of Rural Development.

The Impact of RPLY: A Social Perspective

The Rashtriya Parivarik Labh Yojana is more than just a financial transaction; it is a vital component of India’s social safety net. By providing immediate support, it helps stabilize families during their most vulnerable moments. This prevents them from taking on high-interest loans or pulling children out of school to support the family, thereby breaking a potential cycle of poverty. The scheme embodies the government’s commitment to “Sabka Saath, Sabka Vikas, Sabka Vishwas.” It is a testament to the idea that development is inclusive and that no family should be left behind to face a crisis alone.

Conclusion: Securing Your Family’s Future with RPLY

The Rashtriya Parivarik Labh Yojana is a crucial lifeline for India’s underprivileged families. In the event of an irreplaceable loss, it offers not just monetary aid, but also a message of solidarity and support from the nation. Understanding the intricacies of the scheme—from its eligibility criteria to the application process—is the first step toward accessing this rightful benefit.

We hope this exhaustive guide has provided you with all the information you need about RPLY. The journey from application to approval requires attention to detail, but the outcome is a significant step towards financial security. If you believe your family is eligible, we encourage you to gather the necessary documents and initiate the application process. Share this information with those who might need it, because awareness is the key to ensuring that the benefits of such welfare schemes reach every intended household.

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Frequently Asked Questions (FAQs) about Rashtriya Parivarik Labh Yojana

Q1. What is the full form of RPLY?
A1. RPLY stands for Rashtriya Parivarik Labh Yojana, which is known in English as the National Family Benefit Scheme (NFBS).

Q2. What is the financial assistance amount under the scheme?
A2. The amount is a one-time lump sum. While subject to revision, it is generally reported to be ₹20,000 to ₹30,000. Always check the latest guidelines on the official NSAP portal for the current amount.

Q3. Can a woman be considered the primary breadwinner?
A3. Absolutely. The scheme is gender-neutral. If a woman is the main earning member of a BPL family, her death would make the family eligible for the benefit.

Q4. Is there any premium or fee to apply for this scheme?
A4. No. The Rashtriya Parivarik Labh Yojana is a 100% government-funded grant. There is no cost associated with applying for or receiving the benefit.

Q5. How long does it take to receive the payment after application?
A5. The time can vary depending on the state administration and the verification process. However, with the DBT system, once approved, the payment is usually transferred within a few weeks. You can track the status online.

Q6. What if my application for RPLY is rejected?
A6. If your application is rejected, you should receive a reason. You can correct the deficiencies (e.g., submit a missing document) and re-apply. If you believe the rejection was unjust, you can contact the helpline or file a grievance on the CPGRAMS portal.