PM Shram Yogi Maan-dhan — ₹3,000/Month Pension

What is PM Shram Yogi Maan-dhan?

Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) is a voluntary pension scheme for unorganized sector workers — such as street vendors, domestic workers, construction workers, auto-rickshaw drivers, handloom weavers, and others who work outside the formal employment system.

It provides a guaranteed pension of ₹3,000 per month after age 60, with the government matching every rupee the worker contributes.

Key features:

• ₹3,000/month pension after age 60 — for life
• Equal contribution from worker and government
• Monthly contribution: ₹55 to ₹200 (depending on age at enrollment)
• Enroll at CSC (Common Service Centre) — no internet or smartphone needed
• Spouse also eligible for separate enrollment (additional ₹3,000/month)

Who is Eligible?

• Unorganized sector workers — not covered by EPFO, ESIC, or NPS
• Age: 18 to 40 years at enrollment
• Monthly income: ₹15,000 or below
• Must have a savings bank account or Jan Dhan account

Who counts as unorganized sector workers:

• Street vendors / hawkers
• Domestic workers (maids, cooks, drivers)
• Construction and daily wage workers (mazdoors)
• Weavers, beedi rollers, handloom workers
• Rickshaw and auto-rickshaw drivers
• Waste pickers, sanitation workers
• Agricultural labourers not covered by any scheme

NOT eligible:

• EPFO/ESIC members (formal sector workers)
• Income taxpayers
• Those already in NPS or any other government pension scheme
• PM-KMY (farmer pension) enrollees — the two schemes are separate

Monthly Contribution Table

Total monthly deposit to pension fund = 2× your contribution (you + government).

How to Enroll — Step by Step

Via CSC (Common Service Centre)

1. Locate your nearest CSC / Jan Seva Kendra (find at locator.csccloud.in)
2. Carry your Aadhaar card and savings bank passbook
3. CSC operator will:
   • Verify your Aadhaar (OTP on mobile)
   • Register you on maandhan.in
   • Set up auto-debit from your savings account for monthly contribution
4. You receive a Shram Yogi Pension Card with your unique account number

Via Self-Enrollment at maandhan.in

1. Go to maandhan.in
2. Click "Self Enrollment" → Unorganized Worker
3. Enter Aadhaar + OTP verification
4. Fill details and set up monthly contribution

Most workers enroll via CSC as it is easier and the operator guides through the process.

Documents Required

1. Aadhaar card (mandatory)
2. Savings bank passbook — in your own name (for auto-debit and pension credit)
3. Mobile number linked to Aadhaar for OTP

No income proof is required — self-declaration is sufficient.

Pension After 60

• ₹3,000/month for life — credited to bank account on the 1st of every month
• If the worker dies after 60, the spouse gets 50% family pension (₹1,500/month) for the rest of their life
• If the worker dies before 60, the spouse can continue contributing and get the full pension at 60, OR exit and get the savings back with interest

Exit Options Before Age 60

Frequently Asked Questions

I am a domestic worker. How do I prove my income is below ₹15,000?

Self-declaration is accepted — no income certificate is required. You simply state your occupation and approximate monthly income at the CSC.

I am 42. Can I still enroll?

No — maximum entry age is 40 years. Enroll before you turn 40 to be eligible.

Can I miss a monthly contribution?

If you miss, the auto-debit will fail. Your subscription gets suspended. To reactivate, pay the missed months' contributions + 8% simple interest. Visit your CSC to reactivate.

What if my bank account closes?

Your pension payments will fail. Update your bank account details at the CSC or at maandhan.in immediately if you change bank accounts.

I also work as a farmer. Can I have both PM-KMY and PM-SYM?

No — you can enroll in only one scheme. Choose PM-KMY if your primary occupation is farming (land up to 2 hectares), or PM-SYM if you are primarily an unorganized non-farm worker.

Will the ₹3,000 pension increase in the future?

The scheme design provides ₹3,000/month. The government may revise amounts over time, but there is no automatic inflation indexing.

Official Links

• Enroll: maandhan.in
• Locate CSC near you: locator.csccloud.in
• Ministry of Labour: labour.gov.in
• Helpline: 1800-267-6888 (toll-free)