प्रधानमंत्री श्रम योगी मानधन योजना

Pradhan Mantri Shram Yogi Maandhan Yojana

श्रम एवं रोज़गार मंत्रालय

Central Govt Scheme • Unorganised Workers' Pension

Pradhan Mantri Shram Yogi Maandhan Yojana: Rs 3,000 Monthly Pension After 60, Eligibility and Enrolment

This is a voluntary pension scheme for unorganised sector workers. If you enrol between 18 and 40 years and pay Rs 55 to Rs 200 every month, you get an assured pension of Rs 3,000 per month after age 60, and the government deposits an equal amount. This page gives the contribution chart, eligibility, enrolment steps, exit rules and official links in one place.

Latest update: As of 29 July 2026, over 54 lakh workers are enrolled in the scheme, of whom 53.1% are women. The scheme has been integrated two-way with the eShram portal and special registration drives are under way.
The pension starts after age 60. Since the scheme began in 2019, pension payments will start from 2039.

Scheme at a Glance

Item	Details
Scheme name	Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM)
Started	15 February 2019 (launched from Sri Ganganagar, Rajasthan)
Benefit	Assured pension of Rs 3,000 per month after age 60
Beneficiaries	Unorganised sector workers (monthly income up to Rs 15,000)
Nodal ministry	Ministry of Labour and Employment
Pension fund manager	Life Insurance Corporation of India (LIC)
Enrolment	With help at a CSC, or self-enrolment on maandhan.in

Benefits

Assured pension of Rs 3,000 per month after age 60.
The government deposits an equal contribution to your account every month.
If the subscriber dies after the pension starts, the spouse gets 50% (Rs 1,500) as family pension.
Monthly contribution only from Rs 55 (age 18) to Rs 200 (age 40).
Portable across India, valid even if you change place or occupation.
On exit after 10 years you get your own and the government's contribution back with interest.

Monthly Contribution by Age

Entry age (years)	Your monthly contribution	Government's matching contribution
18	Rs 55	Rs 55
19	Rs 58	Rs 58
20	Rs 61	Rs 61
21	Rs 64	Rs 64
22	Rs 68	Rs 68
23	Rs 72	Rs 72
24	Rs 76	Rs 76
25	Rs 80	Rs 80
26	Rs 85	Rs 85
27	Rs 90	Rs 90
28	Rs 95	Rs 95
29	Rs 100	Rs 100
30	Rs 105	Rs 105
31	Rs 110	Rs 110
32	Rs 120	Rs 120
33	Rs 130	Rs 130
34	Rs 140	Rs 140
35	Rs 150	Rs 150
36	Rs 160	Rs 160
37	Rs 170	Rs 170
38	Rs 180	Rs 180
39	Rs 190	Rs 190
40	Rs 200	Rs 200

Eligibility

Main conditions

The applicant must work in the unorganised sector.
Age must be 18 to 40 years at the time of enrolment.
Monthly income must not exceed Rs 15,000.
Must not be a member of EPFO, ESIC or NPS and must not be an income tax payer.
Must have a valid Aadhaar number and an active savings bank or Jan Dhan account.

Who can apply (examples)

Street vendors, hawkers, rickshaw and auto drivers
Construction workers and labourers, domestic workers
Agricultural labourers and small farmers, beedi and handloom workers
Leather industry workers, mid-day meal workers, head loaders, brick kiln workers
Carpenters, plumbers and electricians in the informal sector
Daily-wage workers in shops, factories or small establishments, rag pickers and sanitation workers

Documents Required

Aadhaar card
Savings bank account or Jan Dhan account details (account number and IFSC)
Active mobile number (better if linked with Aadhaar)
For CSC enrolment, the first month's contribution in cash

Enrolment Through a CSC

Find the nearest Common Service Centre in your area at findmycsc.nic.in/csc.
Go with your Aadhaar card, bank account details and mobile number.
The Village Level Entrepreneur (VLE) enters your Aadhaar and bank details.
Complete Aadhaar authentication by OTP or biometrics.
The system calculates the monthly contribution (Rs 55 to Rs 200) based on your age.
Give the name and details of your nominee (spouse or family member).
Pay the first month's contribution in cash at the CSC.
Allow auto-debit from your bank account so future contributions are deducted automatically.
Download or print and keep your Shram Yogi pension card.

Self-Enrolment on the Portal

Go to the official website maandhan.in and choose Self-Enrollment.
Enter your mobile number and Aadhaar number and verify with the OTP.
Fill in your name, date of birth, bank account number and IFSC code.
Enter your nominee's name and relationship.
The portal shows the monthly contribution based on your age.
Pay the first month's contribution by net banking, UPI or debit card.
After registration is complete, download the PM-SYM card from the portal.
Keep logging in to the portal to check the contribution status and update your details.

Exit Rules

Situation	What you get
Exit before 10 years	Only your own contribution with savings bank interest. The government's share is not paid.
Exit after 10 years but before 60	Your and the government's contribution, with actual earnings or savings bank interest, whichever is higher.
Subscriber dies before 60	The spouse can continue by paying regular contributions, or exit with the accumulated amount with interest.
Permanent disability	The spouse can continue the scheme or take the accumulated amount with interest.
After 60	No exit needed. Pension of Rs 3,000 per month starts. After the subscriber's death, the spouse gets 50% family pension for life.

Rules for an Inactive (Lapsed) Account

If contributions are not paid for a continuous period, the account becomes inactive.
You can revive it at any time by paying the arrears and the applicable interest or penalty, if any.
Revival can be done at the nearest CSC or by logging in on maandhan.in.
If the account stays lapsed and is not revived, you can permanently lose the pension benefit and the government's contribution.

Important Government Links

Helpline and Contact

PM-SYM helpline14434

Labour Ministry toll free1800-267-6888

Emailshramyogi@nic.in

Frequently Asked Questions

Does the pension start immediately?

No. The pension starts after you complete age 60.

How much does the government contribute?

An amount equal to yours every month.

Can EPFO or NPS members join too?

No. Members of EPFO, ESIC or NPS and income tax payers are not eligible.

Important Points

Scheme rules, amounts and eligibility can change. Check the latest details on the official portal before applying.
Emitrawala.com is not a government website. This page is for information only.
Do not pay anyone unauthorised money for an application or verification, and do not share an OTP with an unknown person.
Keep paying contributions on time so the account does not lapse.

Need Help?

If you need help with PM-SYM enrolment or preparing documents, contact Emitrawala.com. Our team will be happy to help you.

Contact on WhatsApp Call: +91 94606 26065

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