📌 Overview: Ensuring Dignified Retirement for Every Worker

Pradhan Mantri Shram Yogi Maan dhan Yojana: Across India, countless workers in the unorganised sector — including auto drivers, housekeeping staff, hawkers, and agricultural laborers — dedicate their lives to honest work without access to retirement benefits. They lack steady salaries, pension provisions, or financial safety nets.

To address this critical gap, the Government of India introduced the Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) initiative — a voluntary retirement benefit program that guarantees a monthly pension of ₹3000 upon reaching age 60, with matching government contributions.

This program represents more than a policy initiative — it’s a commitment to secure retirement for the workforce that drives our nation’s economy.

🔍 Understanding the PM-SYM Program

Pradhan Mantri Shram Yogi Maan dhan Yojana is a government-supported retirement scheme designed for unorganised sector workers including:

Street sellers, waste collectors, shoe repairers
Auto-rickshaw operators, daily wage laborers, household staff
Farm workers, building construction personnel
Bidi makers, leather craftsmen, textile workers, kiln operators, media technicians, and others

The program targets low-income workers earning ₹15,000 or below monthly within the 18–40 years age bracket.

Through this initiative, participants make regular monthly payments, while the government contributes an equivalent amount. At age 60, enrolled members receive a guaranteed monthly pension of ₹3000 for their lifetime.

🎁 Primary Advantages of Pradhan Mantri Shram Yogi Maan dhan Yojana

Component	Description
Monthly Retirement Pay	₹3000 monthly upon reaching 60 years
Survivor Benefits	50% pension amount for spouse following beneficiary’s death
Government Matching	Central Government equals worker’s monthly payment
Exit Provisions	Withdrawal permitted with refund plus interest (terms apply)
Tax Exemption	Pension payments are exempt from taxation

👥 Eligibility Criteria for Pradhan Mantri Shram Yogi Maan dhan Yojana

Applicants must satisfy these requirements:

Hold Indian citizenship, aged 18 to 40 years
Work in the unorganised employment sector
Earn monthly income not exceeding ₹15,000
Remain outside EPFO, ESIC, or NPS coverage
Not subject to income tax obligations

💰 Age-Based Monthly Payment Structure

Earlier enrollment results in lower contributions! Review the required monthly payments:

Starting Age	Your Payment (₹)	Government Share (₹)	Combined Monthly Amount (₹)
18 Years	₹55	₹55	₹110
25 Years	₹80	₹80	₹160
30 Years	₹105	₹105	₹210
35 Years	₹150	₹150	₹300
40 Years	₹200	₹200	₹400

📝 Contributions continue until age 60, followed by lifetime pension receipt.

📝 Registration Process for Pradhan Mantri Shram Yogi Maan dhan Yojana

🔹 In-Person Registration (CSC Visit)

Locate your nearest Common Service Centre (CSC)
Bring required documents:
- Aadhaar identification
- Bank account or Jan-Dhan passbook
- Active mobile number
The CSC operator will assist with enrollment procedures
Pay the initial month’s contribution and receive documentation

👉 Locate CSC branches at: locator.csccloud.in

🔹 Digital Registration (Upcoming Feature)

Plans include online enrollment through PM-SYM website or mobile application using self-verification and Aadhaar-connected banking details.

🧾 Required Documentation

Aadhaar identification card
Banking documentation / Jan-Dhan account details
Contact phone number

Income verification or employment documentation unnecessary — self-attestation sufficient.

📍 Support and Assistance Centers

LIC branches, EPFO offices, ESIC centers, and Labor Department offices serve as Support Centers
Information desks provide guidance and CSC referrals
Informational materials available in local languages

Contact the round-the-clock support line: 📞 1800 267 6888

🚪 Withdrawal and Exit Policies

The program accommodates life changes with adaptable withdrawal terms:

Withdrawal within 10 years: Receive personal contributions plus bank savings interest
Withdrawal between 10 years and 60: Receive contributions plus accumulated investment returns
Death prior to 60: Spouse may continue participation or withdraw with interest
Total disability: Spouse continues enrollment or receives fund withdrawal
Death post-retirement: Spouse receives 50% monthly survivor pension
Death of both spouses: Remaining balance returns to program fund.

❓ Frequently Asked Questions (FAQs) – PM-SYM Pension Scheme

Q1. What is the PM-SYM scheme?

Ans: Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) is a government pension scheme for unorganised workers. It offers ₹3000 per month as pension after age 60, with equal monthly contributions from both the worker and the government.

Q2. Who can apply for PM-SYM?

Ans: Anyone aged between 18 and 40 years, working in the unorganised sector, earning ₹15,000 or less per month, and not covered under EPF, ESIC, or NPS can apply.

Q3. What is the monthly pension amount?

Ans: After turning 60 years of age, the enrolled worker receives a guaranteed pension of ₹3000/month for life.

Q4. How much do I need to contribute every month?

Ans: It depends on your age when you join. For example:

At age 18, you pay ₹55/month
At age 30, you pay ₹105/month
The Central Government pays the same amount on your behalf

Q5. How can I apply for the scheme?

Ans: Visit your nearest Common Service Centre (CSC) with:

Aadhaar Card
Bank Passbook / Jan Dhan account
Mobile number
The CSC operator will help you register and pay the first contribution in cash.

Q6. Can I apply online myself?

Ans: As of now, registration is done via CSC centers, but the government plans to launch online and mobile app self-registration soon.

🌟 Program Significance

Unorganised workers represent India’s economic foundation — yet most lack social protection. PM-SYM provides dignity, security, and support during retirement years.

Whether you qualify or know eligible individuals, now is the opportunity to participate. Invest approximately ₹2 daily and secure a lifetime monthly pension — with equal government partnership.

Ensure your dedication receives proper recognition in later years. Join PM-SYM and secure your financial future — today.

🔗 Pradhan Mantri Shram Yogi Maan dhan Yojana: Reference Resources

👉 PM-SYM Official Website
👉 CSC Location Finder
👉 [PM-SYM Support Line: 1800 267 6888]
👉 Access PM-SYM Information Brochure (PDF)

Pradhan Mantri Shram Yogi Maan dhan Yojana – Apply Now for ₹3000 Pension