Pradhan Mantri Shram Yogi Maandhan-Eligibility, Benefits of PMSYM ,

Pradhan Mantri Shram Yogi Maan-dhan :-

pmsym –
  • Features of PM-SYM: It is a voluntary and contributory pension scheme, under which the subscriber would receive the following benefits : (i) Minimum Assured Pension: Each subscriber under the PM-SYM, shall receive minimum assured pension of Rs 3000/- per month after attaining the age of 60 years.
  • The Indian Government introduced the Pradhan Mantri Shram Yogi Maan-dhan, a pension scheme that offers old age protection for workers of the unorganised sector. The scheme came into effect from 15 February 2019.
  • PM-SYM is targeted towards workers from the unorganised sector such as rickshaw pullers, audio-visual workers, leather workers, washermen, domestic workers, rag pickers, cobblers, brick kiln workers, head loaders, mid-day meal workers, street vendors, home-based workers and individuals in similar occupations. A notification from the Indian Government on 7 February 2019 stated the eligibility criteria and the rules for the PM-SYM pension scheme. 
  • PM-SYM will be administered by the Ministry of Labour and Employment and will be a Central Sector Scheme. The implementation of the scheme will be through Common Services Centres eGovernance Sevices India Limited (CSC SPV) and Life Insurance Corporation (LIC) of India. The pay-out of the pension will be handled by LIC.  
Pradhan Mantri Shram Yogi Maandhan Yoyona

What is Pradhan Mantri Shram Yogi Maandhan Yoyona (pmsym) ?

Pradhan Mantri Shram Yogi Maandhan is a social welfare scheme launched by the Ministry of Labour and Employment (India) of Government of India in February 2019 for poor laborers in the unorganised sector from minimum 18 years of age to maximum 40 years.

Benefits of Pradhan Mantri Shram Yogi Maan-dhan 

Individuals are entitled to the below-given benefits under the contributory and voluntary pension scheme: 

  1. Minimum Pension: Individuals who are a part of the scheme are entitled to receive a minimum pension of Rs.3,000 per month once they have attained the age of 60 years. 
  2. Family Pension: If the subscriber passes during the tenure of this pension scheme, 50% of the family pension that they were getting under the scheme will now be provided to their spouse. Only the spouse of the subscriber is eligible for family pension. 
  3. If the subscriber, who has been regularly contributing to the scheme, dies before the age of 60 years due to any cause, their spouse has the option of either continuing the scheme by making regular contributions or can exit the scheme as per the stated terms and conditions.

Contribution towards on Pradhan Mantri Shram Yogi Maan-dhan Yojana :-

Age of entryNumber of years of contribution Monthly contribution by the subscriber (Rs.) Monthly contribution from Central Government (Rs.) Total contribution on a monthly basis (Rs.) 
18 42 55 55 110 
19 41 58 58 116 
20 40 61 61 122 
21 39 64 64 128 
22 38 68 68 136 
23 37 72 72 144 
24 36 76 76 152 
25 35 80 80 160 
26 34 85 85 170 
27 33 90 90 180 
28 32 95 95 190 
29 31 100 100 200 
30 30 105 105 210 
31 29 110 110 220 
32 28 120 120 240 
33 27 130 130 260 
34 26 140 140 280 
35 25 150 150 300 
36 24 160 160 320 
37 23 170 170 340 
38 22 180 180 360 
39 21 190 190 380 
40 20 200 200 400 

pmsym –

Eligibility Criteria for Pradhan Mantri Shram Yogi Maan-dhan 2020

Given below are the eligibility criteria that an individual must meet in order to subscribe to the scheme: 

  1. Individuals must be between the ages of 18 years and 40 years. 
  2. Monthly income of the individual must be Rs.15,000 or less. 
  3. Individuals should not be covered under the Employees’ Provident Fund Organisation (EPFO), Employees’ State Insurance Corporation (ESIC), or National Pension System (NPS). 
  4. The individual must not be an income taxpayer. 

Enrolment Procedure Pradhan Mantri Shram Yogi Maan-dhan : –

Enrolment Procedure

The Unorganised Worker will be required to visit the nearest Common Services Centre (CSC) and get enrolled for PM-SYM using Aadhaar Card and Savings bank/Jan-Dhan account number on self-certification basis. First subscription to be paid in cash and auto debit from next month onwards. Later, facility will be provided where the UW can also visit the PM-SYM web portal or can download the mobile app and self-register using Aadhar number/savings bank account/Jan-Dhan account number on self-certification basis.The enrolment will be carried out by all the Common Services Centres in the country.

Features of Pradhan Mantri Shram Yogi Maan-dhan :-


It is a voluntary and contributory pension scheme, under which the subscriber would receive a minimum assured pension of ₹3000/- per month after attaining the age of 60 years and if the subscriber dies, the spouse of the beneficiary shall be entitled to receive 50% of the pension as family pension. Family pension is applicable only to spouse.


Through ‘auto-debit‘ facility from his/her savings bank account/Jan- Dhan account from the date of joining PM-SYM till the age of 60 years as per the chart below. The Central Government will also give equal matching contribution in his pension account.


All the Labour offices of State and Central Governments, all the branch offices of LIC, the offices of ESIC/EPFO will act as Facilitation Centres to give full information to the Unorganised Workers (UW) about the Scheme, its benefits and the procedure to be followed, at their facilitation desks/help desks. PM-SYM will be a Central Sector Scheme administered by the Ministry of Labour and Employment and implemented through Life Insurance Corporation of India and CSC e-Governance Services India Limited (CSC SPV). LIC will be the Pension Fund Manager and responsible for Pension pay out. Considering the hardships and erratic nature of employability of Unorganised Workers (UW), the exit provisions of scheme have been kept flexible. If a subscriber has not paid the contribution continuously he/she will be allowed to regularize his contribution by paying entire outstanding dues, along with penalty charges, if any, decided by the Government.

Any cause contact with us :-

Subscribers can contact the 24/7 customer care number – 1800 267 6888 – to register any complaints or grievances. Complaints can also be registered on the PM-SYM app or website contact mail.

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