Know about NREGA payment process

NREGA scheme is a social job creation measure that guarantees “the right to work” in rural areas of India. Here we disuss in detail about the NREGA payment process, NREGA Job Card, account balance, etc.

Dec 13, 2019 10:12 IST India Infoline News Service

Labour

What is NREGA 

NREGA (National Rural Employment Guarantee Act), 2005 was passed, and later renamed as MGNREGA. The scheme is a social job creation measure that guarantees “the right to work” in rural areas of India. The basic purpose of the MGNREGA is to legally commit to provide at least 100 days of wage employment in rural India to enhance their quality of life. MGNREGA is exclusively functional in the rural areas of India and guarantees every rural household with family members who have volunteered to do unskilled labour least 100 days of paid work by the government. The labour provided by these rural workers will be towards creation of long term fixed assets such as wells, ponds, roads and canals in rural India.

MGNREGA scheme key highlights

MGNREGA is the world’s largest and most ambitious social project and is administered by the central government. Here are some salient features.
  • It guarantees 100 days of paid labour for each unskilled labourer who volunteers. The idea is to ensure social inclusion, provide rural livelihood and reduce urban migration.
  • The MGNREGA labour will create durable assets in rural areas such as wells, ponds, roads and canals and also to develop rural infrastructure using untapped rural labour.
  • MGNREGA will only be open to citizens of India and the job volunteer must be above 18 years of age at that point of time.
  • Applicant volunteering for unskilled labour must be part of a local household (application must be made via local Gram Panchayat only).

What is NREGA Job Card (JC)?

NREGA Job Card is the primary document which identifies an individual registered with the local Gram Panchayat under this scheme. Being an identity card cum job card it contains details of the NREGA-registered individual (such as name, NREGA registration number, details of applicants in the household, etc.) and also serves as documentary proof of the worker’s entitlements. The JC ensures transparency of processes and protects workers from possible fraud. The NREGA JC can also be used to complete KYC at bank and post offices for opening bank accounts.

How to Apply for NREGA Job Card? 

NREGA Job Card application forms are available from local Gram Panchayat or can even be made on plain paper. The Official NREGA website (www.nrega.nic.in) does give individuals the option to download NREGA Job Card Application Form for free.

Details Required for NREGA Job Card Application Form 

  • Photograph of applicant(s)
  • Name, Age and Gender of all NREGA Job Card Applicants from the household
  • Name of Village and Gram Panchayat
  • Name of Block
  • Details of whether of SC/ST/IAY/LR
  • Specimen Signature/Thumb impression of applicants
Documents proof such as ration card, Voter ID Card, Aadhaar, PAN need to be submitted. Once documents are submitted, a NREGA job card will be provided within 15 days.

NREGA Job Card (JC) features

  • Details of all MGNREGA applicants in the Household such as name, father’s name, age, gender, Bank Account number/Post Office Bank Account number, address, Photograph of NREGA job card holder
  • Job/Employment Record
  • Details of Employment provided (including dates of employment)
  • Unemployment allowance details in case minimum guaranteed employment not provided

NREGA Payment Process

After calculation of wages based on work, the primary payment process is transfer of wages directly to the bank account of the Job Card holder. The bank/post office account for such transfers is the same as the one mentioned on the job card. In case a MGNREGA applicant does not have a bank account, he/she can open a bank account using the NREGA Job Card as KYC documentary proof. Zero balance accounts can also be opened and in a few cases, NREGA payments may be made out in cash by the applicable Gram Panchayat. MGNREGA wages are the same irrespective of the gender of the person receiving the payment.

How to check  NREGA Account Balance?
While NREGA balance cannot be known online, the NREGA Job Card contains some of the details that a subscriber can use to check their NREGA pay out for a specific period. The job card contains details of the number of days the worker was employed and there is a fixed wage for each day of work that has been completed and updated on the MGNREGA job card. The rate of daily wage varies from one state to another and is liable to change; but it is standard within a state. Online checking of bank balance is possible using apps.

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