Jammu, June 17 -- Ravi, a young worker in Coimbatore, six months into his first formal job at a small manufacturing unit, recently received a credit of Rs 7,500 in his bank account, separate from his monthly salary. The amount was disbursed automatically following completion of six months of continuous employment. His family had previously been engaged only in informal work, without contracts, provident fund contributions or any documented record of employment, and this was the first occasion on which his employment had been formally recorded and accompanied by a benefit of this kind.

The payment he received is his first installment under Part A of the Pradhan Mantri Viksit Bharat Rozgar Yojana (PM-VBRY), introduced in the Union Budget 2...