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ActiveCentral Sector SchemeLaunched 2019-02-15Verified: 2026-09-16

Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension)

Voluntary contributory pension scheme for unorganized workers guaranteeing ₹3,000 monthly pension from age 60 with 50% matching government contribution.

Government Levelcentral Government
Administering BodyMinistry of Labour and Employment
Beneficiary Sector
Social Welfare & SecuritySkills & Employment
Applicable Jurisdiction
All India

₹Benefits & Entitlement Breakdown

Guaranteed minimum pension of ₹3,000 per month after attaining 60 years of age. 50:50 matching contribution: subscriber contributes a monthly amount between ₹55 and ₹200 (depending on entry age between 18 and 40 years), and the Central Government deposits an equal matching amount into the pension fund. Administered through Life Insurance Corporation of India (LIC). Upon subscriber demise during receipt of pension, spouse receives 50% family pension (₹1,500/month).

📊Budget Allocation & Beneficiary Reach

Fiscal Budget Allocation

Central matching contribution backed by Ministry of Labour & Employment

Official Budget Document ↗
Verified Beneficiary Reach

50+ Lakh unorganized workers enrolled in PM-SYM

As of: 2024-03-31PIB / Official Citation ↗

Verified Eligibility Criteria

Age Requirement:18 to 40 years
Annual Family Income Ceiling:₹1,80,000 per annum
Target Occupations:unorganized_worker, street_vendor, domestic_worker, rickshaw_puller, construction_worker, agricultural_laborer
Eligible Gender:all
Social Category / Reservation:all
Specific Operational Conditions & Exclusions:

Must be an unorganized worker (home-based worker, street vendor, mid-day meal worker, head loader, brick kiln worker, cobbler, ragpicker, domestic worker, rickshaw puller, landless laborer, construction worker, beedi worker, handloom worker, leather worker). Monthly income must not exceed ₹15,000 (₹1.80 lakh/year). Age at entry between 18 and 40 years. Must not be engaged in formal sector covered under EPFO/ESIC/NPS and must not be an income tax payer.

Required Documents Checklist

  • ✓
    Aadhaar CardMandatory

    Mandatory KYC identity verification.

  • ✓
    Savings Bank Account Passbook with IFSCMandatory

    For automated auto-debit of monthly pension contributions.

  • ✓
    Self-Certification of Unorganized Worker & Income < ₹15,000Mandatory

    Signed during registration process.

How to Apply

1. Visit the nearest Common Service Centre (CSC) or register self online at the Maandhan portal (https://maandhan.in). 2. Enter Aadhaar number and mobile number; authenticate via OTP. 3. Enter bank savings account details (account number, IFSC) and set up auto-debit mandate. 4. System automatically calculates monthly contribution based on applicant date of birth. 5. Make initial contribution payment in cash at CSC or via net banking. 6. A unique Shram Yogi Pension Card (SPAN) is generated and handed to the beneficiary.

Official Government Application Portal

You will be redirected to the secure official portal: maandhan.in

Apply on official government website

Frequently Asked Questions (Officially Sourced)

Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.

What is the monthly contribution amount under PM-SYM?

The monthly contribution depends on entry age: an 18-year-old contributes ₹55 per month, while a 40-year-old contributes ₹200 per month. The Central Government matches the exact same amount.

Source: Official Scheme FAQ ↗

What happens if a subscriber dies before age 60?

If a subscriber dies before age 60, their spouse has the option to continue the scheme by paying regular contributions, or exit and receive the total contribution along with interest.

Source: Official Scheme FAQ ↗

Can a worker covered under EPF or ESIC join PM-SYM?

No. Anyone covered under formal social security schemes like EPFO, ESIC, NPS, or who pays income tax is statutorily excluded.

Source: Official Scheme FAQ ↗

Common Rejection Reasons & Warnings

Monthly income exceeding ₹15,000; age below 18 or above 40 years; subscriber covered under NPS, ESIC, EPFO, or paying income tax.

Editorial Verification & Change Log

DateFieldDescription / UpdateSource Citation
2026-09-16initial_verificationBaseline verification of PM-SYM guidelines, 50:50 central matching contribution, and ₹3,000 pension guarantee.Official Source ↗

Application Window & Deadlines

Open throughout the year (Continuous enrollment)

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Highly subsidized accidental death and disability insurance offering ₹2 lakh cover for just ₹20 per year.

Official Helpline & Nodal Offices

Social Security Division, Ministry of Labour and Employment

Shram Shakti Bhawan, Rafi Marg, New Delhi - 110001

Helpline: 14434 / 1800-267-6888 (Toll-Free Maandhan Helpline)

Jurisdiction: National (All-India)

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Verification Metadata

Last verified by Eligo researchers on 2026-09-16 against official government documentation.

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