PM Shram Yogi Maandhan (Pension for Workers)
PM Shram Yogi Maandhan is a pension scheme for unorganised workers earning up to ₹15,000 a month. You pay a small amount every month from age 18–40, the government adds the same amount, and you get a guaranteed pension of ₹3,000 a month after 60.
What is PM-SYM?
Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) is a voluntary, contributory pension scheme of the Ministry of Labour & Employment, started in February 2019. Over 54 lakh workers had enrolled by July 2026.
Benefits
- A guaranteed pension of ₹3,000 per month from age 60.
- The Central Government matches your contribution rupee for rupee.
- If the pensioner dies, the spouse gets 50% of the pension as family pension.
Who can join?
- Unorganised workers aged 18 to 40 (for example daily-wage workers, drivers, vendors, domestic workers, construction and farm workers).
- Monthly income ₹15,000 or less.
- Not covered by EPF, ESIC or NPS, not an income-tax payer, and not getting another government pension.
How much do you pay?
You pay the same amount every month until 60. Some examples from the official chart:
| Age when joining | You pay / month | Govt adds | Total |
|---|---|---|---|
| 18 years | ₹55 | ₹55 | ₹110 |
| 20 years | ₹61 | ₹61 | ₹122 |
| 25 years | ₹80 | ₹80 | ₹160 |
| 30 years | ₹105 | ₹105 | ₹210 |
| 35 years | ₹150 | ₹150 | ₹300 |
| 40 years | ₹200 | ₹200 | ₹400 |
Payment is usually by monthly auto-debit from your savings or Jan Dhan account. If you miss payments, you can bring the account up to date by paying the dues with a small penalty.
Documents needed
- Aadhaar card
- Savings bank or Jan Dhan account (with IFSC)
- Mobile number
How to join
- Visit your nearest Common Service Centre (CSC) with Aadhaar and bank details, or enrol yourself on maandhan.in.
- Pay the first contribution in cash at the CSC; later payments are auto-debited.
- You get a Shram Yogi card with your pension account number.
The portal also shows your account statement and claim status. Being registered on e-Shram helps too.
Frequently asked questions
How much pension does PM Shram Yogi Maandhan give?
₹3,000 a month from age 60, with 50% family pension for the spouse.
How much do I have to pay?
₹55 a month if you join at 18, up to ₹200 a month if you join at 40. The government adds the same amount.
Who can join PM-SYM?
Unorganised workers aged 18–40 with monthly income up to ₹15,000, who are not EPF/ESIC/NPS members or income-tax payers.
Where do I join?
At a Common Service Centre with Aadhaar and a savings or Jan Dhan account, or on maandhan.in.
Is PM-SYM the same as Atal Pension Yojana?
No. PM-SYM is for unorganised workers earning up to ₹15,000 and gives a fixed ₹3,000; APY lets you choose ₹1,000–₹5,000 and is open to anyone 18–40 who is not an income-tax payer.