| Name of Post: | Pradhan Mantri Shram Yogi Maandhan (PM-SYM) |
| Post Date / Update: | 04 June 2026 | 10:20 PM |
| Short Information : |
The Pradhan Mantri Shram Yogi Maandhan (PM-SYM) is a pension scheme launched by the Ministry of Labour and Employment, Government of India, to provide social security and financial support to workers in the unorganized sector during their old age. The scheme operates on a voluntary and contributory basis, where both the subscriber and the Central Government contribute equally toward the pension fund. The Scheme Guarantees a minimum monthly pension after the subscriber reaches the age of 60 and also offers family pension benefits. It is administered by the Life Insurance Corporation of India (LIC) in collaboration with CSC e-Governance Services India Limited (CSC SPV). |
Ministry of Labour and Employment, Government of India
Pradhan Mantri Shram Yogi Maandhan (PM-SYM)
Pradhan Mantri Shram Yogi Maandhan (PM-SYM) is a pension scheme in India.
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- Launched:- 2019
- Type of Scheme:- Central Sector Scheme
- Nodal Ministry:- Ministry of Labour and Employment
- Purpose:- To provide social security to unorganised sector employees
- Target Group:- Unorganised workers (income ≤ Rs. 15,000/month)
- Pension:- Rs. 3000/month after 60 years of age
- Nature of the Scheme:- Voluntary and contributory
Benefits Of the PM-SYM Yojana
Some Benifits Of this Scheme Is categories :
- Minimum Assured Pension
- Subscribers receive a guaranteed monthly pension of ₹3,000 upon attaining 60 years of age.
- The pension is payable throughout the subscriber’s lifetime.
- Family Pension
- In the event of the subscriber’s death after pension commencement, the spouse is entitled to receive 50% of the pension amount as a family pension.
- This benefit is available exclusively to the spouse.
- Government Contribution
- The Central Government contributes an amount equal to the subscriber’s monthly contribution throughout the contribution period.
- Benefits in Case of Death or Disability Before 60 Years
- The spouse may choose to continue the scheme by making the required contributions.
- Alternatively, the accumulated contributions, along with applicable interest, may be withdrawn according to the scheme provisions.
- Pension Disbursement
- Pension payments are directly credited to the beneficiary’s bank account.
Eligibility Criteria OF PM-SYM Yojana
- Must be employed in the unorganized sector.
- Must be between 18 and 40 years of age at the time of enrollment.
- Monthly income should not exceed ₹15,000.
- Must possess a savings bank account or a Jan-Dhan account.
- Must have a valid Aadhaar number.
- Must not be an income taxpayer.
- Must not be covered under the Employees’ Provident Fund Organisation (EPFO), Employees’ State Insurance Corporation (ESIC), or the National Pension System (NPS).
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Application Process Of PM-SYM Yojana
- Visit the nearest Common Service Centre (CSC) and complete the biometric authentication process.
- Provide your Aadhaar number, bank account details, and mobile number, and complete the self-certification process at the CSC.
Important Notes of PM-SYM Yojana
- The first contribution must be paid in cash at the CSC during enrollment.
- Future contributions will be automatically deducted from the registered bank account.
- Applicants may also register online through the PM-SYM portal or mobile application.
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CSC Locator
To locate the nearest Common Service Centre, visit:- https://locator.csccloud.in/
Grievance Redressal
For assistance or complaints:
- Toll-Free Helpline: 1800 267 6888 (available 24×7)
- Complaints can also be submitted through the official web portal or mobile application.
Required Documents In PM-SYM Yojana
- Aadhaar Card
- Savings Bank Account Passbook or Jan-Dhan Account Passbook
- Mobile Number
- Self-Certification Declaration (during enrollment)
- Any additional documents specified by the authorities, if applicable.
Applicants are advised to verify all information through official sources before making any decisions
PM-SYM Yojana - Important Link
|
NAME |
Link |
|---|---|
| Apply Now | Click here |
Locate Nearest CSC |
|
Official Notification Official Website |
|
| Join WhatsApp Channel | Join Now |
| Visit YouTube Channel | Subscribe |
| More Govt. Jobs | Visit Now |
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Conclusion
The Pradhan Mantri Shram Yogi Maandhan (PM-SYM) scheme is an important social security initiative designed to support workers in the unorganized sector after retirement. By making small monthly contributions during their working years, eligible individuals can secure a guaranteed pension of ₹3,000 per month after the age of 60. The scheme also provides financial protection for the spouse through family pension benefits. With government-backed contributions, a simple enrollment process, and long-term financial security, PM-SYM offers an affordable and reliable way for low-income workers to build a stable future and maintain financial independence during their later years.
PM-SYM Yojana - Important FAQs
Q1. What is PM-SYM Yojana?
PM-SYM is a government pension scheme that provides ₹3,000 monthly pension to eligible unorganized workers after age 60.
Q2. Who can apply for Pradhan Mantri Shram Yogi Maandhan?
Unorganized workers aged 18–40 years with a monthly income of up to ₹15,000 can apply.
Q3. How much pension is provided under PM-SYM?
Eligible subscribers receive a guaranteed pension of ₹3,000 per month after turning 60.
Q4. Is Aadhaar mandatory for PM-SYM registration?
Yes, a valid Aadhaar number is required to enroll in the scheme.
Q5. Can a spouse receive benefits under PM-SYM?
Yes, the spouse receives 50% of the pension amount as a family pension after the subscriber's death.
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