Ministry of Labour & Employment
Pradhan Mantri Shram Yogi Maandhan (PM-SYM)
Guaranteed monthly pension of ₹3,000 after age 60; government matches your monthly contribution rupee for rupee
Monthly contribution ₹55–₹200 (matched by govt) · ₹3,000/month pension after age 60
PM Shram Yogi Maandhan is a voluntary pension scheme for unorganised sector workers run by the Ministry of Labour & Employment through the LIC of India. Workers aged 18–40 contribute a small monthly amount (₹55–₹200 depending on entry age), and the Central Government contributes an equal amount. On reaching age 60, the subscriber receives a guaranteed minimum pension of ₹3,000 per month.
Am I Eligible?
Quick check — answer 3 questions
Is your age between 18 and 40 years?
Is your annual family income under ₹1.8 Lakh?
Do you live in India?
Benefit Details
Guaranteed monthly pension of ₹3,000 after age 60; government matches your monthly contribution rupee for rupee
Provided by Central Government
Monthly contribution ₹55–₹200 (matched by govt) · ₹3,000/month pension after age 60
Eligibility Criteria
Unorganised sector workers aged 18–40 with monthly income ≤ ₹15,000 — includes street vendors, construction workers, domestic workers, agricultural labourers, beedi workers; must not be covered under EPFO, ESIC, or NPS
18 to 40 years
Up to ₹1.8 Lakh / year
Rural & Urban (Both)
Required Documents
💡 Tip: Keep original documents and 2 photocopies ready. Self-attest all photocopies.
How to Apply
Check Eligibility
onlineYou must be 18–40 years old, earn ≤ ₹15,000/month in the unorganised sector, and must NOT be a member of EPFO, ESIC, or NPS. Have your Aadhaar and savings bank account ready.
Visit Nearest CSC
offlineGo to your nearest Common Service Centre (Jan Seva Kendra) with your Aadhaar card and bank passbook. The CSC operator will complete your enrollment on maandhan.in at no charge.
Self-Register Online
onlineAlternatively, go to maandhan.in → click "Self-Enrollment" → log in with your mobile number OTP → fill in personal details, bank account, and Aadhaar → choose your contribution amount based on your current age.
Set Up Auto-Debit
online / offlineProvide your savings bank account details for auto-debit. The monthly contribution (₹55–₹200) will be automatically debited on the 1st of each month. Ensure your account has sufficient balance to avoid lapse.
Collect Subscription Card
online / offlineAfter enrollment, download your Shram Yogi Card from maandhan.in or collect it from the CSC. Keep this card safe — it contains your subscriber ID needed to track contributions and claim pension at age 60.
Frequently Asked Questions
Quick Summary
Related Schemes
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₹1,000 per month pension paid quarterly (₹3,000 per installment) via Direct Benefit Transfer to Aadhaar-linked bank account for low-income senior citizens of Uttar Pradesh
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Guaranteed monthly pension of ₹1,000–₹5,000 per month after age 60; spouse receives same pension after subscriber's death; nominee receives lump sum return of corpus on death of both subscriber and spouse
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₹1,500 per month (paid quarterly as ₹4,500) directly to Aadhaar-linked bank account via DBT for BPL senior citizens aged 65+ years in Maharashtra
Mukhyamantri Teerth Yatra Yojana (Delhi)
Free pilgrimage trip for senior Delhi citizens (60+ years) covering all expenses: travel, accommodation, food, and travel allowance; one attendant free of cost; destinations include Vaishno Devi, Tirupati, Shirdi, Haridwar, Amritsar, Mathura, Dwarka, and Rameswaram
⚠️ Disclaimer: Information is compiled from official government sources for guidance purposes. Eligibility and benefits may vary. Always verify with the official portal or nearest government office before applying.
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