- August 24, 2025
- Posted by: Amit Mundhra CA
- Category: Government Schemes
The Government of India has launched the PM Viksit Bharat Rozgar Yojana (PMVBRY 2025), also known as the Employment Linked Incentive (ELI) Scheme, to support youth entering the workforce for the first time. This initiative, approved by the Union Cabinet in July 2025, aims to create more than 3.5 crore jobs in two years with a budget outlay of nearly ₹1 lakh crore.
The scheme provides direct benefits to employees and employers, but in this article we will focus only on the employee benefits (Part A of the scheme). If you are about to start your first formal job in an EPFO-registered company, this scheme could give you financial assistance up to ₹15,000 and valuable financial literacy training.
Why PM Viksit Bharat Rojgar Yojana is launched?
India’s vision of Viksit Bharat@2047 places job creation and skill development at the center of growth. While many government schemes earlier focused on industries and employers, PMVBRY brings a direct advantage to first-time employees by supporting them in their initial job journey.
Starting a new job often comes with challenges – lower initial salaries, lack of financial knowledge, and adjusting to the work culture. This scheme aims to reduce that burden, motivate more youth to join formal employment, and make them financially literate.
Who is a First-Time Employee in PM Viksit Bharat Rojgar Yojana?
The scheme uses the term “First Timer” for eligible employees. You qualify as a First Timer if:
You have never been a member of EPFO earlier.
You join a company between 1 August 2025 and 31 July 2027.
Your monthly salary is below ₹1,00,000 at the time of joining.
Your employer is registered with EPFO and files PF contributions regularly.
👉 If you meet these conditions, you don’t need to apply separately. You will automatically be considered under the scheme once your employer files your PF details with EPFO.
What are the Benefits for First-Time Employees under this scheme?
The government will provide an incentive equal to one month’s wage (EPF wage) up to ₹15,000.
This incentive is released in two installments:
First Installment – Up to ₹7,500
Paid after you complete 6 months of continuous employment.
Your employer must have filed 6 months of PF contributions for you.
Second Installment – Balance amount (up to ₹15,000 total)
Paid after you complete 12 months in the job.
You must also complete a financial literacy program before receiving this installment.
To encourage savings, the second installment may be deposited in a special savings account or deposit instrument for a fixed time, ensuring that you use it wisely.
How you will receive the incentive under PM Viksit Bharat Rojgar Yojana?
The entire payment will be done through Direct Benefit Transfer (DBT).
The money will be credited directly into your Aadhaar-linked bank account using the Aadhaar Payment Bridge System (APBS).
If your bank account is not Aadhaar-seeded, the payment will be delayed until you complete seeding.
This ensures transparency and no middleman in receiving benefits.
Financial Literacy Training – A Bonus Benefit
One unique feature of PMVBRY is the mandatory financial literacy course for first-time employees. Before you get the second installment, you must complete this short training.
The training will cover:
Personal finance basics – how to manage monthly income.
Saving & investing wisely – understanding bank accounts, SIPs, insurance.
Future planning – how to secure yourself against risks and plan long-term goals.
This initiative ensures that young employees don’t just earn but also learn to manage money effectively.
How to Apply Online for PM Viksit Bharat Rozgar Yojana 2025
Employees do not need to fill any application form separately. The process is automatic:
When you join a new job, your employer registers you with EPFO and generates your UAN (Universal Account Number).
Your employer files monthly PF contributions (Electronic Challan-cum-Return – ECR).
Based on this record, EPFO identifies you as a first-time employee.
After completing 6 months and then 12 months, your incentives are automatically credited to your Aadhaar-linked bank account.
👉 You can track your status through the EPFO portal or the e-Shram mobile app, where multiple government schemes are integrated for transparency.
Key Benefits at a Glance
Financial Support: Get up to ₹15,000 extra during your first job year.
DBT Payment: Directly to your Aadhaar-linked bank account.
Financial Literacy Course: Free training for better money management.
Social Security Coverage: You get EPF, pension, and insurance benefits.
Career Boost: Helps you stay in your first job and become productive faster.
Why This Scheme Matters for Young Job Seekers
For many fresh graduates and workers entering the formal sector for the first time, this scheme provides:
A financial cushion during the learning phase.
An opportunity to build savings habits.
Assurance that the government is directly supporting your growth.
In the bigger picture, it also encourages more industries to hire fresh talent and give them long-term opportunities.
FAQs on PM Viksit Bharat Rozgar Yojana for Employees
Q1. Is PM Viksit Bharat Rozgar Yojana only for government jobs?
No. The scheme is for employees joining EPFO-registered private companies as well. It is not limited to government jobs.
Q2. How can I apply online for PM Viksit Bharat Rozgar Yojana?
Employees do not need to apply separately. Your employer registers you with EPFO, and you are automatically covered under the scheme.
Q3. What is the last date to avail benefits under PM Viksit Bharat Rozgar Yojana?
The scheme is valid for new jobs created between 1 August 2025 and 31 July 2027.
Q4. Can contractual or part-time employees get benefits under this PM Viksit Bharat Rozgar Yojana?
Yes, as long as your employer makes regular PF contributions to EPFO on your behalf and your salary is less than ₹1,00,000 at joining.
Q5. Is the ₹15,000 incentive under PM Viksit Bharat Rozgar Yojana taxable?
Yes, the incentive will be treated as income and is subject to Income Tax Act, 1961, unless the government issues a specific exemption.
Q6. Can I avail PM Viksit Bharat Rozgar Yojana benefits if I change jobs?
If you already have a PF account from your previous job, you are not considered a first-time employee. The scheme is only for those who join EPFO for the first time.
Q7. Will gig workers or self-employed workers get benefit under PM Viksit Bharat Rozgar Yojana ?
No. The scheme is only for employees registered under EPFO. However, gig workers may get separate benefits under e-Shram portal.
Q8. Where can I check the official updates of PM Viksit Bharat Rozgar Yojana?
You can check updates on the PMVBRY official website or the Press Information Bureau (PIB) releases.
Q9. What happens if I leave the job before 12 months?
You will only be eligible for the first installment (after 6 months). The second installment will not be paid if you don’t complete 12 months and the financial literacy course.
Q10. Can employees earning more than ₹1 lakh per month get benefits?
No. Only employees with a gross wage below ₹1,00,000 at joining are eligible.
[…] PM Viksit Bharat Rozgar Yojana 2025 – Benefits to Employees […]