PM Shram Yogi Maandhan Yojana: The Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) is a voluntary and contributory pension scheme launched by the Government of India to provide financial security and social protection to workers in the unorganised sector.
PM Shram Yogi Maandhan Yojana 2026 – Overview
| Scheme Name: | PM Shram Yogi Maandhan Yojana |
| Short Name: | PM-SYM |
| Beneficiaries: | Unorganised Sector Workers |
| Minimum Age: | 18 Years |
| Maximum Age: | 40 Years |
| Monthly Income Limit: | ₹15,000 |
| Monthly Pension: | ₹3,000 |
| Pension Starting Age | 60 Years |
| Scheme Type: | Voluntary Contributory Pension Scheme |
| Official Website | https://maandhan.in/ |
PM Shram Yogi Maandhan Yojana Eligibility Criteria
Applicants must meet the following eligibility conditions:
- Must be between 18 and 40 years of age.
- Monthly income should be ₹15,000 or less.
- Must work in the unorganised sector.
- Must not be covered under EPFO, ESIC or NPS.
- Must not be an income tax payer.
What Is PM Shram Yogi Maandhan Yojana?
- Pradhan Mantri Shram Yogi Maandhan Yojana is a voluntary and contributory pension scheme introduced by the Central Government in February 2019.
- It aims to provide old-age financial protection to workers who do not have regular retirement benefits through organised employment.
- Under the scheme, eligible workers contribute a fixed monthly amount until they reach 60 years of age. The Central Government contributes an equal amount to their pension account.
- After completing 60 years, eligible subscribers receive a guaranteed minimum pension of ₹3,000 per month throughout their lifetime.
- The scheme is administered by the Ministry of Labour & Employment, with LIC serving as the pension fund manager.
PM Shram Yogi Maandhan Yojana Who Can Apply?
The scheme is designed for unorganised sector workers, including:
- Street vendors and small traders.
- Agricultural labourers.
- Construction workers.
- Domestic workers and housemaids.
- Rickshaw pullers and auto workers.
- Handloom workers and weavers.
- Beedi workers.
- Cobblers and leather workers.
- Fishermen.
- Rag pickers and waste collectors.
- Mid-day meal workers.
- Home-based workers.
- Brick kiln workers.
- Other eligible unorganised sector workers.
Benefits of PM Shram Yogi Maandhan Yojana
- Assured monthly pension of ₹3,000 after 60 years.
- Monthly contribution based on the applicant’s entry age.
- Equal matching contribution by the Central Government.
- Financial support during old age.
- Social security for eligible unorganised workers.
PM Shram Yogi Maandhan Yojana Monthly Contribution
The subscriber contributes between ₹55 and ₹200 per month, depending on the age at which they join the scheme. The Central Government makes an equal matching contribution.
PM Shram Yogi Maandhan Yojana Pension Amount
One of the main benefits of this scheme is the guaranteed monthly pension of ₹3,000 after the subscriber reaches 60 years.
| Monthly Pension | ₹3,000 |
| Quarterly Pension Equivalent | ₹9,000 |
| Half-Yearly Pension Equivalent | ₹18,000 |
| Annual Pension | ₹36,000 |
PM Shram Yogi Maandhan Yojana Documents Required
- Aadhaar Card
- Savings Bank Account or Jan Dhan Account
- Mobile Number
- Bank Account Details
Google Pay Loan Apply Online 2026: Get Instant Personal Loan in Just 10 Minutes
PM Shram Yogi Maandhan Yojana How to Apply Online?
Eligible applicants can register through the nearest Common Service Centre (CSC).
- Visit the official website: https://maandhan.in/
- Select the PM-SYM registration or enrolment option.
- Choose the self-enrolment facility, if available.
- Enter the required mobile number and complete the authentication process.
- Provide Aadhaar and bank account details.
- Enter personal information and nominee details.
- Verify the information entered in the application.
- Submit the application and follow the payment instructions.
- Complete the initial contribution payment.
- Save the registration acknowledgement and pension account details.
Frequently Asked Questions (FAQs)
Q1. What is the PM-SYM pension amount?
- Eligible subscribers receive ₹3,000 per month after attaining 60 years of age.
Q2. Who can apply for PM-SYM?
- Unorganised sector workers aged 18–40 with a monthly income of ₹15,000 or less can apply, subject to other eligibility conditions.
Q3. What is the monthly contribution?
- The contribution ranges from ₹55 to ₹200 depending on the subscriber’s entry age.
Q4. Where can I register?
- You can register through your nearest Common Service Centre (CSC).
Q5. Is the government contribution included?
- Yes. The Central Government contributes an equal matching amount.