The Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana (DAYALU) is Haryana’s social security scheme, providing financial assistance to low-income families during emergencies.

Named after philosopher Deen Dayal Upadhyaya, this government program supports families when they lose an earning member through death or if someone becomes permanently disabled (70%+).

The scheme covers families with an annual income of less than ₹1.80 lakh, as verified through their Family ID (Parivar Pehchan Patra).

Financial assistance ranges from ₹1 lakh to ₹5 lakh based on the age of the deceased or disabled family member.

It’s completely free with no premium charges, offering direct bank transfers and fast-track processing to ensure immediate support during difficult times.

Purpose of Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana

The Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana offers financial assistance to low-income families during times of emergency. This government scheme covers death and disability cases to help families cope with sudden financial difficulties.

1. To Provide Financial Security During Family Emergencies

The scheme provides immediate financial assistance to families when they lose an earning member due to natural death or accident. This helps families manage their immediate expenses and basic needs during the difficult period.

The government provides direct cash assistance to the beneficiary families without any complex procedures or lengthy waiting periods.

2. To Cover Cases of Permanent Disability

The scheme also covers cases where a family member becomes permanently disabled due to an accident or illness. This ensures that families do not face financial hardship when a member can no longer contribute to the household income.

The financial assistance helps families adapt to the changed circumstances and manage their daily expenses.

3. To Ensure Social Security for Low-Income Families

The scheme specifically targets families with low annual income, ensuring that those who need support the most receive government assistance. It helps bridge the gap between the rich and the poor by providing a safety net for economically disadvantaged families.

Families can access this support without paying any premium or registration fee, making it completely free for eligible beneficiaries.

Deen Dayal Yojana Eligibility Criteria

The eligibility criteria for the Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana are specific to the state of Haryana. The general requirements are outlined below.

Basic Rules for DAYALU:

• You must be a permanent resident of Haryana.

• Your annual family income should be below the specified limit (₹1.80 lakh), as verified through the Family ID.

• The death or disability must be reported within the specified time frame (three months from the date of the incident).

• All required documents must be submitted for verification.

• The scheme covers both natural death and accidental death cases, as well as permanent disability resulting from an accident.

Benefits and Coverage

The Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana provides comprehensive financial support to eligible families in the state of Haryana in different situations.

Financial Assistance for Death Cases

Financial assistance amounts vary based on age

• Compensation is a net amount: The compensation includes any amount received under central government schemes, such as PMJJBY and PMSBY.

• Death of a Family Member:The compensation amount is the same for natural and accidental deaths and is determined by the age of the deceased.

Support for Permanent Disability Cases:

• Complete Permanent Disability – Financial assistance is provided for cases of 70% or more permanent disability resulting from an accident, as certified by a medical board.
• Compensation amounts are age-based – The compensation for permanent disability is the same as the amounts listed for death cases.
• Disability Assessment – A disability certificate from a recognized medical authority is required to determine the level of disability.

Additional Benefits:

• Immediate Processing – Fast-track processing of claims to ensure quick disbursement.
• Direct Bank Transfer – Money is transferred directly to the beneficiary’s bank account, which is linked to their Family ID/PPP.
• No Premium – A completely free scheme with no premium or registration charges.
• Family Support – The assistance is paid to the head of the family, or the eldest family member, and in specific cases, a portion of the assistance is paid to a minor girl child, providing a social security net.

How to Apply for the Scheme

Applying for the Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana involves a straightforward online process that is facilitated at the district or block level.

Step 1: Report the Incident

Report the death or disability case to the local authorities, such as the Sarpanch, Patwari, or designated nodal officer, within the specified time limit (usually three months from the date of the incident).

Step 2: Initiate the Online Application

The designated officer will file the claim on the official online portal for the scheme using your Family ID (Parivar Pehchan Patra). They will enter the necessary details and upload the required documents.

Step 3: Gather Required Documents

Collect all necessary documents, including the death certificate (in case of death) or disability certificate from the medical board, as well as the police FIR and post-mortem report for accidental cases.

The Family ID and bank account details linked to it are essential for the application.

Step 4: Verification Process

The authorities will verify the submitted documents and information through the online system.

This includes cross-referencing details with the Family ID database and conducting necessary investigations for accidental cases.

Step 5: Receive Financial Assistance

Once the claim is approved, the compensation amount will be directly transferred to the beneficiary’s bank account, which is linked to their Family ID.

The beneficiary will receive an SMS notification about the payment status.

Required Documents

The scheme requires specific documentation depending on whether the application is for death-related or disability-related benefits. Below are the essential documents needed for each category of claim.

Ensure all documents are current and issued by recognized authorities. Submit complete documentation to avoid delays in processing your application.

Note: All certificates must be obtained from authorized government institutions or competent authorities as per scheme guidelines.

Implementation Across States

The Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana (DAYALU) is a welfare scheme implemented exclusively by the Government of Haryana.

Haryana DAYALU Scheme

The scheme helps families earning under ₹1.80 lakh annually through Family ID (Parivar Pehchan Patra), providing age-based aid to deceased or permanently disabled members (70%+).

Compensation is the same for death and disability. Benefits include help from schemes like PM Jeevan Jyoti and PM Suraksha Bima Yojana.

Other State Variations

The DAYALU scheme is exclusively a Haryana government initiative with no versions in other states. Other states operate separate social security programs, but not under the “DAYALU” name.

The scheme’s core objective is providing social security to economically disadvantaged families during emergencies.

Key Features of the Scheme

The Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana has several important features that make it accessible to low-income families.

• Zero Premium – No premium or registration fee required from beneficiaries
• Quick Processing – Fast-track processing to ensure immediate financial support
• Direct Transfer – Money transferred directly to the beneficiary’s bank account
• Wide Coverage – Covers both death and permanent disability cases
• State Funded – Completely funded by state government resources
• Social Security – Provides an essential safety net for economically disadvantaged families

These features ensure that families receive timely financial support during their most difficult times without any bureaucratic delays or financial burden.

Challenges and Limitations

The Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana faces some operational challenges despite its good intentions.

Many eligible families are unaware of the scheme, resulting in low utilization in rural and remote areas. The time limit for reporting cases sometimes creates problems for families who are dealing with grief or trauma.

Documentation requirements can be challenging for illiterate families, and the verification process may take longer than expected in some cases.

Additionally, the compensation amounts may not always be sufficient to meet the long-term financial needs of affected families, especially in cases of permanent disability.

Conclusion

The Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana is a vital social security scheme that provides financial assistance to low-income families during times of emergency.

The scheme covers death and permanent disability, providing compensation from ₹30,000 to ₹5 lakh based on state and circumstances.

While the scheme has some limitations, such as limited awareness and documentation challenges, it has helped thousands of families cope with sudden financial difficulties.

The DAYALU scheme ensures that no family faces extreme financial hardship when a family member loses their earning capacity or becomes permanently disabled.