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Mahatma Gandhi Pravasi Suraksha Yojana
A pension and life insurance scheme by the Ministry of Overseas Indian Affairs for overseas Indian workers holding ECR passports.
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Official fee
₹0 — completely free
Enrollment under MGPSY is free. Annual subscription contributions are made directly by the subscriber and matched by government incentives.
Beware of lookalike portals
Verify authorized bank channels or Indian overseas missions for subscription payments. Do not pay unverified middle agents.
Only the "Apply on official portal" button above leads to the verified government site.
Highlights and Media
Key Highlights
Pension Contribution Match
Government co-contributed ₹1,000 per annum (₹2,000 for female workers) towards pension savings.
Resettlement Savings
Special return and resettlement interest-bearing fund with ₹900 annual government co-contribution.
Life Insurance Cover
Includes free life insurance coverage of ₹1,00,000 against natural death during overseas employment.
Government Annual Co-contribution Incentives
Comparison of government matching outlays for male vs female ECR workers
Male Workers (Pension)
₹1,000 / yearAnnual matching pension contribution credited directly to worker's NPS-Lite account.
Female Workers (Pension)
₹2,000 / yearEnhanced annual matching pension contribution to support overseas female workers.
Return & Resettlement Fund
₹900 / yearUniversal resettlement co-contribution to help workers build capital for their return.
Who is eligible
- Overseas Indian worker between 18-50 years holding ECR passport.
Eligibility rules · v1 · effective 1 January 2020
Who is not eligible
- Eligible ECR passport holders can enroll via authorized bank channels or Indian overseas missions.
How to apply
Open NPS-Lite/MGPSY Account
Open a retirement savings account with an authorized point of presence (PoP) bank or Indian mission abroad.
Typical duration · 5 days
Deposit Contributions
Deposit voluntary annual subscription amounts to unlock matching government incentives.
Typical duration · 1 day
Sources
- Ministry of External Affairs, Government of IndiaMINISTRY_PORTAL · Fetched 5 July 2026
Additional Details
Mahatma Gandhi Pravasi Suraksha Yojana (MGPSY) was introduced as a voluntary social security scheme designed for overseas Indian workers holding Emigration Check Required (ECR) passports. The scheme offered integrated benefits covering retirement pension savings, return and resettlement savings to help transition back to India, and free life insurance coverage against death from natural causes. Supported by co-contributions from the government, it aimed to encourage savings and provide financial security to blue-collar workers working abroad.