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Pension and insurance schemes

PM Shram Yogi Mandhan Yojana: Pension for Unorganised Workers

3,000 rupees a month pension at 60 for unorganised workers earning up to 15,000

Age 18 to 4050:50 contributionEnrol at CSCChecked 14 Nov

PM Shram Yogi Mandhan Yojana for informal work: an empty vegetable cart at a town market at dawn

Independent guide. Money Schemes is not a government website and does not take applications or payments. Apply only on the official portal, at a post office, a bank branch or a Common Service Centre.

PM Shram Yogi Mandhan Yojana (PM-SYM) promises unorganised workers a pension of 3,000 rupees monthly once they reach 60, if they join between 18 and 40 and earn up to 15,000 rupees monthly; the worker puts in between 55 and 200 rupees each month, fixed by joining age, and the Union government matches it rupee for rupee. The labour ministry manages it.

Street vendors, domestic workers, construction and brick kiln workers, rickshaw pullers, head loaders, agricultural labourers, home based workers and others in similar jobs can join. Enrolment is done at a Common Service Centre (CSC) using Aadhaar and a savings or Jan Dhan account.

At a glance

  • Run by

    Ministry of Labour and Employment

  • Who

    Unorganised workers aged 18 to 40, monthly income up to 15,000 rupees

  • Pension

    3,000 rupees a month from age 60

  • Your share

    55 to 200 rupees a month; the Centre adds the same

  • Enrol at

    Nearest CSC, with Aadhaar and bank passbook

  • Helpline

    1800 267 6888 (as listed in the scheme FAQ)

What PM Shram Yogi Mandhan Yojana gives: pm sym scheme benefits

  • Assured pension: 3,000 rupees every month once you turn 60.
  • Family pension: if the pensioner dies, the spouse is paid half of it, which is 1,500 rupees. Only the spouse can get family pension.
  • Matching money: every rupee you pay is matched by the Centre, so your account grows at twice your own payment.

Your share leaves your savings or Jan Dhan account through a standing mandate each month till the 60th birthday. The first month's share is paid in cash at the CSC, and you get a receipt.

Who can join the shram yogi maandhan yojana

  • Age 18 to 40 on the day of joining.
  • Work in the unorganised sector, with monthly income of 15,000 rupees or less.
  • Have a mobile phone, a savings or Jan Dhan account and Aadhaar.

Not eligible: members of EPFO, ESIC or NPS, and income tax payers. Joining is on self certification, so give correct details; false details may get the membership cancelled.

Monthly contribution by entry age

Worker's monthly share in rupees; the Centre adds the same amount
Entry ageYou payEntry ageYou pay
185530105
195831110
206132120
216433130
226834140
237235150
247636160
258037170
268538180
279039190
289540200
29100

For example, a worker who joins at 29 pays 100 rupees a month until 60, and the Centre also pays 100 rupees, so 200 rupees goes in each month.

Mandhan yojana online registration at a CSC

  1. Find your nearest CSC through the CSC locator linked from csc.gov.in.
  2. Carry your Aadhaar card, bank passbook or Jan Dhan account details and your mobile phone.
  3. The village level entrepreneur at the CSC enters your Aadhaar, verifies it and fills your bank, spouse and nominee details.
  4. The system works out your contribution from your age. Pay the first month in cash.
  5. Sign the auto debit mandate. You receive a Shram Yogi card with your pension account number.

The maandhan portal and app also allow self enrolment for some users, but most workers find the CSC easier.

Leaving early, death and disability

SituationWhat you or your family receive
Exit within 10 years of joiningOnly your own share, with savings bank interest
Exit after 10 years, before 60Your own share with the fund's actual earnings or savings bank interest, whichever is higher
Death before 60, after regular paymentsSpouse can continue paying, or exit and take your share with interest
Permanent disability before 60Spouse can continue, or exit with your share and interest
Death of both subscriber and spouseCorpus goes back to the fund

If you miss payments, you can bring the account up to date by paying all dues with any penalty the government fixes.

PM Kisan Mandhan Yojana for small farmers

A sister scheme, PM Kisan Maandhan Yojana, is the pension scheme for small and marginal farmers aged 18 to 40. Its pension is also 3,000 rupees monthly after 60, with similar age based payments matched by the Centre. Farmers who receive PM Kisan money can choose to have their share paid from those installments. The agriculture ministry handles that one separately; ask at the CSC which one fits you.

How PM-SYM compares with APY

Atal Pension Yojana is open to any savings account holder aged 18 to 40 who is not a taxpayer, offering five pension levels up to 5,000 rupees, but with no matching share from the Centre. PM-SYM is only for low income unorganised workers, pays a single level of 3,000 rupees and has government matching. Weigh your income, how long you can pay and what else you have for old age; the pension schemes overview lists the other options.

Frequently asked questions

What is the pmsym scheme or maandhan yojana in simple words?

It is a government pension for informal workers. You pay a small fixed amount each month until 60, the Centre adds the same, and from 60 onward you draw 3,000 rupees monthly for life.

Is pm mandhan yojana the same as PM Kisan Maandhan?

No. PM-SYM is for unorganised workers. PM Kisan Maandhan is for small and marginal farmers. The pension in both is the same 3,000 rupees monthly at 60.

Can I join pradhan mantri shram yogi mandhan yojana after 40?

No. The entry age is 18 to 40. After 40 you cannot enrol.

What if I stop paying for a few months?

You can regularise the account by paying all pending amounts with any penalty set by the government. Ask at the CSC to pay the dues.

Does my wife get anything if I die?

If you die after the pension starts, your spouse is paid 1,500 rupees monthly as family pension. If you die before 60 after paying regularly, your spouse can continue the account or take the money out.

Where do I complain about PM-SYM?

Call the toll free number in the scheme FAQ, 1800 267 6888, or raise a complaint through the official portal. You can also ask the labour office in your district.

Official sources

Rules, amounts and portals can change. Check the official source before you apply or deposit.