Physical Address
304 North Cardinal St.
Dorchester Center, MA 02124
पीएम श्रम योगी मानधन योजना 2026: ₹3,000 मासिक पेंशन
Quick facts: For unorganized workers aged 18-40 · ₹3,000/month pension after 60 · matching 50:50 contribution by worker and Government · portal maandhan.in · enrol via CSC · auto-linked with E-Shram.
Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) is the Government of India’s voluntary contributory pension scheme for unorganized-sector workers — street vendors, domestic workers, construction labourers, rickshaw pullers, agricultural labourers, tailors, rag-pickers, and 40-plus other categories. Launched on 15 February 2019, the scheme has crossed 50 lakh subscribers by 2026 and provides a guaranteed ₹3,000 per month pension after age 60, matched rupee-for-rupee by the Government of India.
PM-SYM कैसे काम करती है — How the Scheme Works
- Pension amount: ₹3,000 per month after age 60 (fixed, for life)
- Contribution: workers pay a small monthly amount (varies by entry age) — Government matches it 50:50
- Sum after both spouses: family/nominee receives accumulated corpus (~₹2 lakh depending on entry age)
- Death during contribution period: spouse can continue; or withdraw contributions + interest
- Regulator: LIC is the fund manager and pension disbursing authority
पात्रता — Who Qualifies
- Indian citizen aged 18-40 years at enrolment
- Unorganized sector worker (not EPFO/ESIC/government employee)
- Monthly income up to ₹15,000 (self-declared; not strictly enforced but used in audit)
- Active savings bank account (for monthly auto-debit)
- Aadhaar card mandatory
Exclusions
- EPFO/ESIC/NPS (govt) subscribers
- Income-tax payers
- Age above 40 at enrolment
Monthly Contribution Chart
Your monthly contribution depends on your age at enrolment. Government matches every rupee. Examples:
| Age at entry | Worker monthly | Govt match | Total | Monthly burden |
|---|---|---|---|---|
| 18 | ₹55 | ₹55 | ₹110 | Lowest entry |
| 25 | ₹80 | ₹80 | ₹160 | |
| 30 | ₹105 | ₹105 | ₹210 | |
| 35 | ₹150 | ₹150 | ₹300 | |
| 40 | ₹200 | ₹200 | ₹400 | Highest entry |
Enter early → pay less per month for the same ₹3,000 pension.
आवश्यक दस्तावेज़ — Documents Required
- Aadhaar card
- Savings bank account (for auto-debit)
- Mobile number (Aadhaar-linked)
- IFSC + account number
- Self-declaration of unorganized-worker status
No income certificate or occupational proof required — the self-declaration suffices.
पंजीकरण कैसे करें — How to Register
Option 1: Common Service Centre (CSC) — recommended
- Find your nearest CSC at https://locator.csccloud.in/
- Carry Aadhaar + bank passbook + mobile
- CSC VLE fills PM-SYM enrolment form on maandhan.umang.gov.in
- Biometric e-KYC confirms identity
- Your PM-SYM Pension Card with unique SY Pension Number is issued instantly
- First month’s contribution auto-debited from your account; subsequent months auto-continue
Option 2: Self-registration online (if you have internet access)
- Open https://maandhan.in → “Click Here to Apply Now”
- Select “Self Enrolment”
- Enter mobile number + OTP
- Login with mobile + captcha
- Enrol: enter Aadhaar, bank, DOB, nominee details
- Accept Terms → digital signature via Aadhaar OTP
- Card generated online → download PDF
Option 3: Via E-Shram portal
If you have an E-Shram Card, you can upgrade to PM-SYM directly from your E-Shram dashboard: 1. Log in at eshram.gov.in 2. Click “PM-SYM Pension” 3. Auto-populate using your E-Shram data 4. Confirm + start contributions
After Enrolment
- First month’s contribution auto-debited same day
- Subsequent months: auto-debited on 1st of each month
- Ensure account has sufficient balance; otherwise debit fails
Contribution pause / exit
- Less than 10 years in scheme + exit: you get your contributions back with savings-interest rate
- 10-25 years + exit: you get your contributions + Government’s share with higher interest
- Death before 60: spouse can take over OR withdraw contributions + interest
- Death after pension starts: spouse gets 50% of pension for life
हेल्पलाइन — Official Helpline
| Service | Number |
|---|---|
| PM-SYM Toll-free | 1800-267-6888 |
| LIC Pension Fund Cell | 022-67819240 |
| Portal | https://maandhan.in |
Related guides on LabhKosh
- E-Shram Card Apply
- Atal Pension Yojana (APY)
- Senior Citizen Saving Scheme (SCSS)
- PMSBY ₹20 Accident Insurance
🏠 अपनी जमीन का रिकॉर्ड देखें Download the bhulekh app — खसरा, खतौनी, भू-नक्शा सब एक जगह।
Last verified: 20 April 2026. Official source: https://maandhan.in · https://eshram.gov.in
Yeh website kisi bhi sarkari vibhaag se sambandhit nahi hai. Yahan di gayi jaankari sirf shaikshanik uddeshya ke liye hai.
Does E-Shram Card give me PM-SYM pension automatically?
No. E-Shram auto-enrolls you in PMSBY accidental insurance but not in PM-SYM. PM-SYM is voluntary — you must opt in and start monthly contributions, pre-filled from E-Shram data.
Is the ₹3,000 PM-SYM pension inflation-adjusted?
No. The pension is flat ₹3,000 per month with no annual inflation adjustment. Consider supplementing with NPS or SCSS for higher long-term coverage.
What happens if I become a salaried EPFO member after joining PM-SYM?
You must exit PM-SYM. Contributions are refunded with interest. EPFO membership is incompatible with PM-SYM because PM-SYM is for unorganized workers.
What is the minimum age to join PM-SYM?
18 years. Maximum entry age is 40 years. Earlier entry means lower monthly contributions for the same ₹3,000 pension.
What happens to my PM-SYM money if I die before 60?
Your spouse can take over the account and continue contributions, or withdraw your contributions with savings-interest rate. Post-60 death: spouse receives 50% of pension for life.
