Introduction Mukhyamantri Vyapari Durghatna Bima Yojana is a social security scheme launched by the Government of Uttar Pradesh to provide financial protection to registered traders and their families against unforeseen accidents. The scheme is administered by the Uttar Pradesh State Tax Department and offers insurance coverage in cases of accidental death, murder, permanent disability, and partial permanent disability. Under the scheme, eligible traders receive accident insurance coverage of up to ₹10 lakh without paying any premium. The entire cost of insurance is borne by the State Government. In the event of accidental death or complete permanent disability, financial assistance of ₹10 lakh is provided to the beneficiary or legal heir. In cases of partial permanent disability, compensation is released according to the percentage of disability certified by the competent medical authority. The scheme covers traders registered with the State Tax Department under GST or related commercial tax registrations. Depending on the nature of the business entity, the insured person may be the proprietor, nominated partner, Karta of an HUF, or Chief Executive Officer of a company. If a person is associated with multiple registered firms, the benefit is treated as a single claim under the scheme. In case of the trader’s death, financial assistance is released to the eligible nominee, spouse, legal heir, or successor as per the prescribed succession hierarchy. Claims can be submitted through the official Vyapari Durghatna Bima Portal of the State Tax Department along with supporting documents such as death certificates, disability certificates, FIR reports, beneficiary certificates, and bank account details. Mukhyamantri Vyapari Durghatna Bima Yojana acts as an important financial safeguard for traders by ensuring immediate monetary support to affected families during difficult circumstances. The scheme helps reduce financial hardship and provides security to the trading community across Uttar Pradesh. Benefits Financial assistance of up to ₹10 lakh in case of accidental death or murder of a registered trader. Coverage of up to ₹10 lakh for complete permanent disability caused by an accident. Proportionate financial assistance for partial permanent disability based on the certified disability percentage. No premium payment is required from the trader. Insurance coverage is funded entirely by the Uttar Pradesh Government. Financial assistance is transferred to the eligible beneficiary or legal heir after claim approval. Eligibility Applicant must be a registered trader with the Uttar Pradesh State Tax Department. The trader must be covered under the scheme at the time of the accident. The claim must arise due to accidental death, murder, complete permanent disability, or partial permanent disability. Natural death is not covered under the scheme. Disability claims require a valid disability certificate issued by the competent authority. Death claims must be filed by the eligible nominee, spouse, successor, or legal heir. The claim should generally be submitted within 6 months of the incident. Delayed claims require an affidavit explaining the reason for delay. Documents Death Certificate (for death claims). Post-Mortem Report (if applicable). Panchnama Report (if post-mortem was not conducted). FIR Copy (if applicable). GD Report (where FIR is not registered). Disability Certificate (for disability claims). Beneficiary/Successor Certificate. Aadhaar Card of beneficiary. PAN Card of beneficiary. Bank Account Details. Cancelled Cheque or Bank Passbook. Affidavit for delayed application (if applicable). Process to Apply Online Process Visit the official Vyapari Durghatna Bima Portal. Select New Registration. Enter mobile number and complete OTP verification. Fill in trader and claimant details. Provide accident, disability, or death-related information. Upload all required supporting documents. Enter nominee and bank account details. Review the application carefully. Submit the claim form online. Save the reference number for future tracking. Offline Process Obtain the claim application form from the jurisdictional State Tax Office. Fill in all required details. Attach supporting documents. Submit the application to the concerned Joint Commissioner Office. The department verifies the claim and processes eligible cases for approval. Claim Process Application is submitted along with supporting documents. Assistant Commissioner verifies the claim. Verified applications are forwarded to the Joint Commissioner. The Joint Commissioner reviews and forwards eligible cases. Further scrutiny is conducted at higher departmental levels. Approved claims are sent for payment processing. Financial assistance is released to the eligible beneficiary. Nominee Priority Spouse of the deceased trader. Multiple surviving spouses (equal distribution). Legal successor holding a valid succession certificate. Father of an unmarried deceased trader. Mother, if father is not alive. Other legal heirs based on succession certificate. Who is Considered the Insured Trader? Proprietorship Firm – Proprietor. Partnership Firm – Nominated Partner. HUF Firm – Karta. Company – Chief Executive Officer (CEO). Multiple Firms – Benefit treated as a single claim. Important Links Apply Online for Mukhyamantri Vyapari Durghatna Bima Yojana Check Application Status Uttar Pradesh State Tax Department State Tax Department Contact Directory Contact For assistance related to Mukhyamantri Vyapari Durghatna Bima Yojana, applicants can contact the State Tax Department through the following channels: Helpline Number: 18001805223 Official Department Website: comtax.up.nic.in Contact Directory: View Contact Details FAQs Q1. What is Mukhyamantri Vyapari Durghatna Bima Yojana?It is an accident insurance scheme that provides financial assistance to registered traders and their families in cases of accidental death, murder, or permanent disability. Q2. How much insurance coverage is available under the scheme?Eligible beneficiaries can receive financial assistance of up to ₹10 lakh. Q3. Is any premium required to be paid by traders?No. The entire insurance premium is paid by the Government of Uttar Pradesh. Q4. Who can claim benefits under the scheme?Registered traders, nominees, spouses, legal heirs, or eligible successors can claim benefits as per scheme provisions. Q5. Does the scheme cover natural death?No. The scheme only covers accidental death, murder, and eligible disability cases. Q6. What is the time limit for filing a claim?Claims should generally be submitted within 6 months from the date of the incident. Q7. Can partial disability claims be filed?Yes. Assistance is provided based on the percentage of disability certified by the competent medical authority. Q8. How can applicants track their claim status?Applicants can track their claim status through the official Vyapari Durghatna Bima Portal using their reference number.