Kerala Pravasi Welfare Board Pravasi Pension Scheme: A Lifeline for Non-Resident Keralites (NRKs)
For countless Malayalis who left the comforts of home to earn a living abroad or in other Indian states, securing a stable future is a common concern. After years of hard work in unfamiliar lands, many Non-Resident Keralites (NRKs) return home hoping for peace and financial security in their golden years. That’s exactly where the Kerala Pravasi Welfare Board’s Pravasi Pension Scheme steps in—a ray of hope for the backbone of Kerala’s economy.
In this blog, we’ll walk you through what the Pravasi Pension is all about, how it benefits NRKs, and more importantly—how you can apply. Whether you’re an expatriate dreaming of returning home or a family member guiding a loved one, this guide is for you.
🏠 What Is the Kerala Pravasi Welfare Board?
The Kerala Pravasi Welfare Board (KPW Board) was established under the Kerala Non-Resident Keralites’ Welfare Act, 2008. It’s a statutory body set up by the Government of Kerala with a clear mission: to ensure the welfare of Malayalis working outside Kerala—both within India and abroad.
From pensions to financial aid, educational scholarships to repatriation assistance, the Board offers a variety of support schemes. But among all these, the Pravasi Pension Scheme remains one of the most sought-after.
🧓 What Is the Pravasi Pension Scheme?
The Pravasi Pension Scheme is designed to offer financial security to NRKs after retirement or once they are no longer able to work. Think of it as a monthly income for life, designed to help NRKs enjoy a stress-free post-work life.
✅ Key Highlights:
A monthly pension of ₹2,000 for eligible members.
Additional pension benefits for those who contribute longer.
Lifetime benefits for those who complete the minimum contribution period.
Let’s break this down further.
💡 Real-Life Example: Why This Matters
Take the story of Shajahan, a driver from Malappuram who worked in Saudi Arabia for over 20 years. After returning to Kerala during the COVID-19 pandemic, he had no steady income. With his small savings exhausted, he feared becoming a burden on his children.
Through a friend, he learned about the Pravasi Pension Scheme and joined it. After contributing for a few years, he now receives ₹2,000 monthly—a modest amount, but a big relief. For Shajahan, it means independence and dignity.
🧾 Who Is Eligible for the Pravasi Pension Scheme?
Here’s a quick look at who can apply for the scheme:
👤 For NRKs Abroad:
Must be a Non-Resident Keralite working outside India.
Age between 19 and 60 years.
Must have a valid passport, visa, and proof of employment abroad.
🏙️ For NRKs in Other Indian States:
Must be a Keralite working outside Kerala but within India.
Age between 19 and 60 years.
Must show proof of employment (contract letter, ID card, etc.).
📋 Other Conditions:
You must not be an income taxpayer in India.
Must register with the Kerala Pravasi Welfare Board.
Must contribute the prescribed monthly membership fee.
💰 How Much Do You Have to Pay?
Monthly Contributions:
NRKs abroad: ₹300/month
NRKs within India: ₹100/month
After 5 years of continuous payment, you become eligible for the pension. If you continue contributing, your pension amount can increase.
📌 Benefits of the Pravasi Pension Scheme
Let’s look at what you get in return for your monthly contribution:
🧓 Monthly Pension:
₹2,000/month after 60 years of age
Incremental increases if you contribute beyond 5 years
🏥 Medical Aid:
Up to ₹50,000 for major medical treatment (subject to approval)
⚰️ Death Assistance:
₹50,000 to the family in case of death
Funeral assistance of ₹10,000
🎓 Educational Support:
Scholarships for children of registered members
🏠 Financial Support:
Assistance for repatriation during emergencies
Financial aid for marriage or critical illness (case-by-case basis)
📲 How to Apply for the Pravasi Pension Scheme
Applying is now easier than ever. You can do it both online and offline.
🖥️ Step-by-Step Guide to Apply Online:
Step 1: Visit the Official Website
Go to the Pravasi Welfare Board portal.
Step 2: Register as a New User
Click on “Register as Member”. Fill in your personal and employment details.
Step 3: Upload Documents
You’ll need to upload scanned copies of:
Passport and visa (for overseas NRKs)
Proof of employment
Recent photo
Bank account details
Step 4: Pay Initial Contribution
You can pay online via net banking, UPI, or debit card.
Step 5: Submit Application
Once submitted, you’ll get a Membership ID. You can now log in to pay future contributions and track your benefits.
📝 Documents Required
Here’s what you’ll need to apply:
Passport-size photo
Passport and visa copy (for NRKs abroad)
Employment proof
Bank account (preferably in Kerala)
Mobile number and email ID
📌 Offline Application: Walk-In Option
Prefer doing it in person? No problem.
Visit:
District Pravasi Welfare Offices
Akshaya Centers across Kerala
Take the required documents and fill in the form. The staff will guide you through the process.