PM Shram Yogi Maandhan Calculator 2026: pension for workers
Rickshaw pullers, labourers, vendors: pay Rs. 55 to 200 a month, the government matches it, and you get Rs. 3,000 a month after 60.
PM-SYM: who can join
Rickshaw pullers, labourers, street vendors, domestic workers, drivers: any unorganised sector worker with an income below Rs. 15,000 a month who is not a member of EPF, NPS or ESIC.
Register at a CSC or on the PM-SYM portal. Aadhaar and a savings bank account are required. The government pays 50% of the contribution.
Key rules
- Age 18 to 40, monthly income below Rs. 15,000
- Must not be an EPF, NPS or ESIC member
- Government matches 50:50
- Rs. 3,000 a month pension after 60
- Spouse gets 50% pension (Rs. 1,500)
- Register at a CSC or on the portal
Frequently asked questions
PM-SYM vs APY?
APY: Rs. 1,000 to 5,000 pension, open to income tax payers who joined before October 2022. PM-SYM: fixed Rs. 3,000, only for unorganised workers, with the government paying 50%.
Does the spouse get a pension?
On the subscriber's death, the spouse receives 50% (Rs. 1,500 a month).
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Source: Ministry of Finance / India Post, rates Q4 FY2025-26, subject to quarterly revision. Results are indicative; confirm final figures with your bank or post office.