 financial memorandumclause 3(1) of the bill provides for the framing of an insurance scheme for the unorganised workers clause 3(2) provides that the government and employer of unorganised workers shall each contribute ten percent of the wages payable to each of the unorganised workers to the insurance scheme clause 3(3) provides that the expenditure on the enforcement of the insurance scheme shall be borne by the government the bill, if enacted, will involve expenditure from the consolidated fund of india it is likely to involve a recurring expenditure of about rupees one hundred crore per annum a non-recurring expenditure of about tupees two crore is also likely to be involved memorandum regarding delegated legislationclause 5 of the bill empowers the central government to frame rules for carrying out the purposes of the bill since the rules will relate to matters of detail only, the delegation of legislative power is of a normal character