The Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) is a voluntary and contributory pension scheme of the Central Government for workers in the unorganised sector. It is run by the Ministry of Labour and Employment, and the Life Insurance Corporation of India (LIC) manages the pension fund. The scheme was launched in February 2019. An enrolled worker receives an assured pension of ₹3,000 a month after attaining 60 years of age, and the Central Government matches the worker’s contribution equally.
How much pension is paid
On attaining 60 years of age, the subscriber receives a minimum assured pension of ₹3,000 a month. After the pension starts, if the subscriber dies, the spouse receives 50 per cent family pension — ₹1,500 a month. After the death of both, the accumulated corpus goes back to the pension fund. The scheme began in 2019, so the first pensions will be paid only when the earliest subscribers turn 60 — for the first batch, in 2039.
How much must be contributed
The monthly contribution depends on the age at entry — the younger the worker joins, the lower the contribution. At 18 years it is ₹55 a month, at 25 years ₹80 a month, at 30 years ₹105 a month, at 35 years ₹150 a month and at 40 years ₹200 a month. The Central Government contributes an equal amount every month, so the total going into the pension account is double the worker’s own contribution. The contribution must be paid every month until the age of 60.
Who is eligible
An unorganised worker aged 18 to 40 years with a monthly income of ₹15,000 or less can join. This covers domestic workers, street vendors, rickshaw pullers, construction and agricultural labourers, beedi, handloom and leather workers, among others. Workers covered under the Employees’ Provident Fund Organisation (EPFO), the Employees’ State Insurance Corporation (ESIC) or the National Pension System (NPS) cannot join. Income tax payers also cannot join this scheme.
How to enrol
Enrolment can be done at the nearest Common Service Centre (CSC), or by self-enrolment on the Maandhan portal, maandhan.in. An Aadhaar card, a savings bank or Jan Dhan account and a mobile number are needed — the contribution is auto-debited from the bank account. Unorganised workers registered on the e-Shram portal can also join through the same process if they meet the eligibility conditions. As of 29 July 2026, over 54 lakh workers had enrolled, more than half of them women. Exit rules are fixed — leaving before 10 years returns only the worker’s own contribution with savings bank interest, while leaving after 10 years returns the contribution with interest.
Frequently Asked Questions
Q1: How much pension is paid under PM-SYM after age 60?
A: An assured pension of ₹3,000 a month.
Q2: How much must be contributed every month?
A: It depends on entry age — ₹55 at 18, ₹80 at 25, ₹105 at 30, ₹150 at 35 and ₹200 at 40 a month; the Government matches it equally.
Q3: Who can join this scheme?
A: An unorganised worker aged 18 to 40 with a monthly income of ₹15,000 or less, who is not covered under EPFO, ESIC or NPS.
Q4: Where can I enrol?
A: At the nearest CSC centre or by self-enrolment on maandhan.in.
Useful links
- Maandhan official portal: https://maandhan.in/
- Pradhan Mantri Shram Yogi Maan-dhan on MyScheme: https://www.myscheme.gov.in/schemes/pm-sym
- Next Action: see all 726 Central Government schemes — /english/kendra-sarkar-ki-yojnayen-2/
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