A large number of people live outside India, among them, a good number of people belong to the low -middle-income groups. This large group of middle and low-income people encounter many fundamental difficulties when living in the Gulf and other countries and also when returning to their home country. The savings habits and rehabilitation options available to them are not very promising. Likewise, a good number of Keralites live outside Kerala but in India for their existence. These non-resident Keralites (NRKs-India) also face conditions similar to the NRKs overseas.The state of Kerala has recognized these circumstances and has emerged with a unique initiative, the first of its kind in the country, to create a social welfare fund to provide social benefits to NRKs (abroad) and NRKs (in India ). The Kerala Non-Resident Keralites Welfare Board was founded under the Kerala Non-Resident Keralites’ Welfare Act, which was passed by the Kerala Government Legislative Assembly in 2008. Over eighty-five thousand NRK are welfare fund members. Overseas NRKs who have now returned to India for permanent settlement after working abroad for at least two years are also eligible to join this welfare fund. The law provides for many social protection schemes such as pension schemes, family pension schemes and medical assistance, etc.

 NRKs abroad but now returned to India for permanent settlement after at least two years of foreign employment, can also avail membership in this Welfare Fund. The Act envisages many welfare schemes such as pension schemes, family pension schemes, medical aid, death assistance, etc. As part of going online for all services including pension, software update works of Pravasi Welfare Board are progressing to ensure more security. By making their own login available to all members, they can check the current status of their membership, transactions made till date, eligibility check to apply for each scheme and many other services. Another feature of the new system is that one can apply for any scheme from its own login page as per the eligibility criteria specified in the extant Expatriate Welfare Fund Act with just one registration.Pension applications can also be submitted online by logging in. Application details can also be found in their login account. The board will inform you every information on time through messages on your registered email and mobile number.

Here are the steps for applying online:

Head to the Pravasi Kerala Website
Click on Services on the left side menu
Scroll down to Online Apply, this will open a new window
Click on New Registration
Accept and submit the NRK agreement
Follow the prompts for submitting an application online
Make sure in your application that you check the correct box for which category of NRK you are applying as:

for applying :

The new members should register by entering the mobile number or email ID, create user ID and password, enter the required information and pay the registration fee of Rs.200. For your convenience, click on the link below and the new registration page will open. For queries related to software can be contacted on mobile number 8547902515 and for benefits and other needs on landline number 0471-2785500.

  1. Registration in the Fund of non-resident Keralites
  2. The time and methods with which the payment to the Fund is paid by non-resident and repatriated Keralites, the amount of the contribution to be paid under Article 4 and the methods by which it can be recovered and deposited in the Fund
    .3. The composition of numerous Council assistance committees, the seat of the Council, the travel allowance, the daily allowance and the sitting allowance of the President and the Directors.
  3. How the accounts are kept, the investment of the amounts belonging to the fund by the instructions or conditions issued by the government, the preparation of the budget, the audit and the submission of reports to the government, etc.
  4. The conditions under which withdrawals from the Fund may be made, any deductions or forfeitures and the maximum amount of such deductions or forfeitures.
  5. The form in which a member provides information about himself and his family,
  6. The appointment of a person to receive a family pension or other benefit by a member in the event of death and the procedure for cancelling or changing that appointment.
  7. The registers and documents to be kept towards the shareholders.
  8. The shape or design of any identity card used to identify each member of the Fund and for its issuance, retention and replacement.
  9. The remuneration to be collected for one of the purposes provided for by law
  10. Any additional powers that may be exercised by the officers appointed under this law.
  11. Use of the fund for a matter of the welfare of non-resident Keralites or their family members.
  12. How amounts transferred by § 28 should be credited to the fund
  13. The procedure for covering expenses incurred in the management of the Fund.
  14. The procedure for the payment of pensions, family pensions, scholarships, other benefits or loans and advances from the Fund.
  15. Any other matter that must be provided for in the Plan or that may be necessary or appropriate for the operation of the Plan.
  16. The modalities and procedure for the establishment of joint-stock companies, associations, cooperatives and other institutions by the board for the benefit of non-resident Keralites.
  17. The purpose for which and how a temporary association of persons can be established.
  18. The Constitution of Special Aid Fund, the benefits to be given from the said Fund, the manner to keep the accounts, administration, procedures for providing aid from
  19. The matters referred to in paragraph (4) of section 3.
    The law provides for the formation of the Welfare Fund through donations from registered members of Rs. 350 / – per month as a contribution from each non-resident (foreign) Keralite. Any non-resident member of Keralite (overseas), once returned and permanently established in the state, is required to pay Rs. only 200. The non-resident member Keralites (India) must be Rs. 200 contributions per month. Each honoured member provides Rs. 50 per month. The Board may use grants or loans or advances from the Government of India Fund or the State Government or Local Self Government Institutions or any other institution/organization. The board may solicit donations from any person or organization in India or overseas or government agencies in India or on board or from other sources.
    Benefits for members
  20. Pension to members and admitted members who have made endless contributions to the Provident Fund for at least five years and have reached the age of sixty
  21. Family pension on the death of a member or a member deemed to have provided for at least five years.
  22. Financial relief in the event of the death of a member as a result of illness or accident.
  23. Financial aid for the medical treatment of members affected by severe illnesses
  24. Financial support for weddings of female members and daughters of members and maternity allowance for female members.
  25. Financial assistance or loans or advances to members for the construction of houses or the purchase of land and buildings or the purchase of land or the keeping of a house.
  26. Financial support for inclusive higher education for the children of members.
  27. Self-employment assistance to reputable people
  28. Financial assistance to members who are unable to work due to permanent physical disability
  29. Financially support investments in companies or enterprises or cooperatives or institutions incorporated under the law.

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