Mukhyamantri Jan Kalyan Yojana is the official government programme behind the Sambal Card — one of India’s largest financial protection schemes for unorganized sector workers. Launched by the Madhya Pradesh government, this yojana covers over 3 crore informal workers and their families with accident cover, maternity support, education scholarships, death benefits, and funeral assistance. This guide explains everything about the Mukhyamantri Jan Kalyan Yojana, from its history and objectives to how you can enrol and claim benefits today.
What Is MJKY?
Mukhyamantri Jan Kalyan Yojana (MJKY) — also known as Sambal Yojana — is a state-level welfare scheme of Madhya Pradesh designed exclusively for workers in the unorganized and informal sector. The word “Jan Kalyan” means “public welfare,” and the scheme lives up to this name by providing six comprehensive benefits without any premium or contribution from the worker. Consequently, every eligible worker receives protection worth up to ₹6.5 lakh at absolutely no personal cost.
The scheme is administered by the Madhya Pradesh Labour Department and implemented through the online Sambal portal at sambal.mp.gov.in. All benefits are delivered via Direct Benefit Transfer (DBT) directly to the registered worker or nominee’s bank account.
History and Evolution of the Scheme
The Sambal scheme was first introduced in 2018 under the Mukhyamantri Jan Kalyan Yojana 1.0. The original scheme provided ₹2 lakh accident death cover, maternity assistance, and education support for workers. However, the scheme faced implementation challenges and was temporarily paused in 2019–2020 due to a change in the state government.
In 2023, the scheme was relaunched as Mukhyamantri Jan Kalyan (Sambal) Yojana 2.0 with significant improvements. The accident death benefit was doubled to ₹4 lakh, online registration was introduced, and the Samagra eKYC integration was made mandatory to ensure benefits reach genuine beneficiaries. As a result, the scheme now operates with greater transparency and fewer delays than its predecessor.
Objectives of MJKY
The MJKY has five core objectives that shape all its benefits and implementation:
- Financial security: Protect informal worker families from financial devastation caused by accidental death or disability
- Maternal health: Encourage safe deliveries and support women workers during pregnancy and postnatal recovery
- Education continuity: Prevent school dropout among children of unorganized workers by providing annual scholarships
- Dignified death: Provide immediate funeral assistance so families do not face financial hardship during bereavement
- Social inclusion: Bring formal social security benefits to the 40 crore-strong informal workforce that has no access to EPF, ESIC, or other formal protections
How Sambal Card Links to MJKY
The Sambal Card is the beneficiary identity document for the Mukhyamantri Jan Kalyan Yojana. When you register under MJKY and your application is approved, the government issues you a Sambal Card linked to your Samagra ID and Aadhaar. This card activates your access to all six benefits under the yojana. Therefore, the Sambal Card and the Jan Kalyan Yojana are two names for the same scheme — the card is simply the delivery mechanism for the yojana’s benefits.
Who Is Eligible for MJKY?
Eligibility for the MJKY is identical to Sambal Card eligibility:
- Permanent resident of Madhya Pradesh
- Age between 18 and 60 years
- Worker in the unorganized or informal sector
- Annual family income below ₹2.5 lakh
- Not an income tax payer; not covered under EPF or ESIC
- Valid Samagra ID with eKYC completed
Use our Sambal Card Eligibility Checker to verify your eligibility in 60 seconds.
Benefits Under MJKY 2026
The six benefits under the Mukhyamantri Jan Kalyan Yojana 2.0 cover the most critical financial risks faced by informal workers:
- Accidental death benefit: ₹4,00,000 to the registered nominee
- Natural death benefit: ₹2,00,000 to the registered nominee
- Permanent disability benefit: Up to ₹2,00,000 to the worker
- Maternity assistance: ₹16,000 per delivery (max 2) to female workers
- Education scholarship: ₹500 to ₹5,000 per child per year
- Funeral assistance: ₹5,000 same-day payment to the family
For a detailed explanation of each benefit with eligibility conditions and claim steps, read our Sambal Yojana Benefits Complete Guide.
How to Register for MJKY in 2026
Registration under the MJKY is done through the Sambal portal. Follow these steps:
- Complete your Samagra eKYC at samagra.gov.in
- Wait 24 to 48 hours for eKYC to reflect
- Visit sambal.mp.gov.in and log in with your Samagra ID
- Apply for Sambal Card and fill the application form
- Upload occupation proof, bank details, and photograph
- Submit the application and track the status online
Alternatively, register at your nearest CSC centre or Gram Panchayat. For detailed step-by-step registration guidance, visit our Sambal Card Registration Guide.
Key Statistics of MJKY 2026
The MJKY is one of the largest welfare schemes in Madhya Pradesh’s history. Key implementation statistics include over 3 crore registered beneficiaries across all 52 districts of MP, over ₹1,000 crore disbursed in benefits since the scheme’s relaunch, and registration centres in every block and tehsil of the state. Additionally, the digital-first approach via the Sambal portal has made the scheme significantly more accessible for workers in rural and semi-urban areas.
Frequently Asked Questions About MJKY
Is MJKY the same as Sambal Yojana?
Yes. Mukhyamantri Jan Kalyan Yojana (MJKY) and Sambal Yojana are the same scheme. “Sambal” is the colloquial name widely used by workers and officials. The official full name is Mukhyamantri Jan Kalyan (Sambal) Yojana 2.0. The card issued under this yojana is called the Sambal Card.
How many workers are covered under MJKY?
Over 3 crore (30 million) workers are registered under the Mukhyamantri Jan Kalyan Yojana across Madhya Pradesh. The scheme covers all unorganized sector categories including construction workers, agricultural labourers, street vendors, domestic workers, rickshaw pullers, and other informal workers.
Does Mukhyamantri Jan Kalyan Yojana provide health insurance?
No. The Mukhyamantri Jan Kalyan Yojana provides financial assistance (cash benefits) — not health insurance. For health insurance, Sambal Card holders should also apply for the Ayushman Bharat PM-JAY scheme, which provides ₹5 lakh per year in medical coverage. Both schemes can be held simultaneously.