About this banking scheme
The scheme aims to ensure old age protection for unorganised workers. It provides a minimum assured pension of Rs. 3,000/- per month and family pension benefits to unorganised workers aged 18 to 40 years who earn less than Rs. 15,000/- monthly, supported by matching government contributions.
The scheme "Pradhan Mantri Shram Yogi Maan-dhan" was launched by the Ministry of Labour and Employment, Government of India, and the scheme aims to ensure old age protection for unorganised workers. The scheme provides a minimum assured pension of Rs. 3,000/- per month after attaining the age of 60 years, matching government contributions, and a family pension amounting to 50% of the pension for the spouse. The applicant must be an unorganised worker in the entry age group of 18 to 40 years with a monthly income of Rs. 15,000/- or less, and must make regular age-specific monthly contributions. The scheme is implemented by the Life Insurance Corporation of India and Common Services Centres.
Benefits at a glance
| Scheme name | Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) |
|---|---|
| Launched by | Ministry Of Labour and Employment |
| Benefit type | Cash (money paid to your bank account) |
| Category | Banking |
| Level / State | Central · All India |
| Official portal | findmycsc.nic.in (link at the end of this page) |
Key facts
| Scheme type | Central Sector Scheme |
|---|---|
| Scheme for | Individual |
| Application mode | Online - via CSC / Online |
| Last date | Ongoing (no last date notified) |
| DBT (direct bank transfer) | No |
| Age | 18 to 40 years |
Who can apply (quick check)
- 👤All genders
- 🎂Age 18 to 40 years
- 💼Unorganized Worker
- 📝Online - via CSC / Online
Quick check from official data. Full conditions are in the Eligibility section.
What you receive
- A minimum assured pension of Rs. 3,000/- per month is provided to the subscriber after attaining the age of 60 years.
- A matching contribution is provided by the Central Government on a 50:50 basis, where an equal amount to the subscriber's age-specific contribution (ranging from Rs. 55/- to Rs. 200/-) is credited to the pension account.
* During the receipt of the pension, if the subscriber dies: The spouse of the beneficiary shall be entitled to receive a family pension equal to 50% of the pension received by the beneficiary.
* If a beneficiary has given regular contributions and died due to any cause before the age of 60 years: Their spouse will be entitled to join and continue the scheme subsequently by the payment of regular contributions.
* If a beneficiary has given regular contributions and died due to any cause before the age of 60 years, and the spouse decides to exit: The beneficiary's contribution along with accumulated interest as actually earned by the fund or at the savings bank interest rate (whichever is higher) will be returned.
* If the subscriber exits the scheme within a period of less than 10 years: The beneficiary's share of contribution only will be returned to them with the savings bank interest rate.
* If the subscriber exits after a period of 10 years or more but before the superannuation age of 60 years: The beneficiary's share of contribution along with accumulated interest as actually earned by the fund or at the savings bank interest rate, whichever is higher, will be returned.
Who qualifies
- The applicant must be an unorganised worker.
- The applicant must have an entry age between 18 and 40 years.
- The applicant must have a monthly income of Rs. 15,000/- or less.
- The applicant must possess a Savings Bank Account or Jan Dhan account number with an Indian Financial System Code.
- The applicant must possess a mobile phone.
Who is not eligible
The applicant must not be -
- An income tax payer.
- Engaged in the organized sector.
- Holding membership in the Employees' Provident Fund Organization scheme.
- Holding membership in the National Pension Scheme.
- Holding membership in the Employees' State Insurance Corporation scheme.
Papers to keep ready
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Registration walkthrough
Online - via CSC
Step 1: The interested eligible person must visit the nearest Common Services Centre (CSC) to initiate the registration and enrollment process.
Step 2: The Village Level Entrepreneur (VLE) present at the CSC will key in the Aadhaar number, the exact name of the subscriber as printed on the Aadhaar card, and the date of birth into the system. These details will subsequently be instantly verified with the UIDAI database.
Step 3: The VLE will capture further details of the applicant, including Bank Account details, Mobile Number, Email-id, spouse, and nominee details into the registration portal. A self-certification verifying the required eligibility conditions will also be successfully completed in the system during this step.
Step 4: The system will automatically calculate the exact monthly contribution payable according to the entry age of the subscriber. The subscriber must then pay the full amount of the first subscription in cash to the VLE, who will generate a receipt and hand it over to the subscriber.
Step 5: An Enrolment Form cum Auto Debit mandate will be printed and must be physically signed by the subscriber. The VLE must then scan the signed enrolment cum auto debit mandate and safely upload it into the system.
Step 6: A unique Shram Yogi Pension Account Number will be instantly generated, and a Shram Yogi Card will be printed directly at the CSC. The subscriber will leave the center with the printed Shram Yogi Card and a signed copy of the enrolment form for their personal records.
Next Steps
Step 1: The subscriber will regularly receive SMS notifications on their registered mobile phone regarding the activation of the auto-debit facility. An additional mini-statement message will be automatically sent to the mobile device upon every successful monthly deduction of the contribution.
Step 2: The mandatory monthly subscription shall be automatically debited on a fixed date every single month from the subscriber's linked saving account or Jan-Dhan account. The subscriber must proactively maintain sufficient funds in their account to ensure the contribution, along with any applicable penalty or interest, is successfully processed.
GRIEVANCE REDRESSAL AND HELP SUPPORT
- A dedicated Call Centre and Project Management Unit actively administer the scheme, supervised tightly by the National Social Security Board. To address any grievances related to the scheme, subscribers can directly contact the official customer care number 1800 267 6888 on a 24*7 basis.
- The dedicated web portal and mobile application will also have a specific built-in facility specifically for registering complaints and raising issues digitally.
Online
Step 1: The subscriber must visit the official Pradhan Mantri Shram Yogi Maan-dhan web portal or adequately download the dedicated mobile application on their personal device. This online facility allows the subscriber to conveniently manage their registration digitally.
Step 2: The subscriber must independently self-register using their Aadhaar number and their savings bank account or Jan-Dhan account number on a self-certification basis. This action digitally captures the necessary financial details to authorize the automated monthly contributions strictly required by the scheme.
Next Steps
Step 1: The subscriber will regularly receive SMS notifications on their registered mobile phone regarding the activation of the auto-debit facility. An additional mini-statement message will be automatically sent to the mobile device upon every successful monthly deduction of the contribution.
Step 2: The mandatory monthly subscription shall be automatically debited on a fixed date every single month from the subscriber's linked saving account or Jan-Dhan account. The subscriber must proactively maintain sufficient funds in their account to ensure the contribution, along with any applicable penalty or interest, is successfully processed.
GRIEVANCE REDRESSAL AND HELP SUPPORT
- A dedicated Call Centre and Project Management Unit actively administer the scheme, supervised tightly by the National Social Security Board. To address any grievances related to the scheme, subscribers can directly contact the official customer care number 1800 267 6888 on a 24*7 basis.
- The dedicated web portal and mobile application will also have a specific built-in facility specifically for registering complaints and raising issues digitally.
Frequently asked questions
Am I required to be within a certain age bracket in order to successfully enroll for these upcoming retirement benefits, and if so, what are those specific age limits that apply?
You must be between 18 and 40 years of age at the time of entry to be eligible for enrollment.
Is there any specific maximum earning limit placed on my current monthly wages to qualify for this initiative aimed at assisting unorganized sector laborers with their future security?
Your monthly income must be strictly Rs. 15,000/- or below to participate.
Suppose I am currently making active contributions to the Employees' Provident Fund Organization through my workplace; will I still be permitted to register for these particular financial benefits?
Individuals who hold membership in the Employees' Provident Fund Organization are excluded and cannot enroll.
As part of the mandatory enrollment process and identity verification, what specific national identification document must I definitely possess before visiting the Common Services Centre to apply?
You must hold a valid Aadhaar card to successfully register and verify your identity.
What specific type of employment category must I belong to, such as a street vendor or a construction laborer, to be considered eligible for this old-age protection initiative?
You must be actively engaged as an unorganized worker, which includes occupations like home-based workers, cobblers, rickshaw pullers, and agricultural laborers, among others.
If a portion of my annual earnings reaches a level where I am required to file returns and pay income taxes to the government, am I still allowed to participate?
Anyone who is currently an income tax payer is strictly excluded from participating and receiving these benefits.
If I already hold an active retirement account under the National Pension Scheme managed by the government, does that status affect my ability to join this additional protective measure?
Holding a membership in the National Pension Scheme automatically disqualifies you from being able to register.
To ensure that my monthly financial contributions are correctly processed through the automated debit system, what specific type of financial account do I need to maintain?
You are required to hold either a Savings Bank Account or a Jan Dhan account, along with its specific Indian Financial System Code.
Would an individual who is formally employed by a registered company within the organized sector be granted permission to seek enrollment and avail the associated financial advantages?
Workers engaged in the organized sector are strictly not eligible to apply for or receive benefits.
In the event that my current employer provides me with medical and cash benefits under the Employees' State Insurance Corporation scheme, am I still considered an eligible applicant?
Membership in the Employees' State Insurance Corporation scheme makes you entirely ineligible to participate.
In order to receive timely updates, short message service alerts, and actively manage my registration profile, what specific personal electronic device am I required to own?
You must possess a working mobile phone to receive important notifications and activation messages regarding your account.
Are there any mandatory schooling certificates, college degrees, or minimum educational qualifications that I must present to the authorities to prove my eligibility to join this initiative?
There are absolutely no minimum educational qualifications required to register and become a beneficiary.
If I am already registered as an active beneficiary under the Atal Pension Yojana program, will I be restricted from submitting an application to join this particular initiative as well?
You are completely allowed to enroll in this initiative even if you are concurrently subscribed to the Atal Pension Yojana, provided you meet all other criteria.
In cases where my state government already provides me with certain welfare benefits specifically designed for unorganized laborers, am I still permitted to sign up for this national program?
You can indeed avail the benefits of this initiative even if you are receiving benefits from state-level unorganized worker programs, assuming you meet the basic eligibility criteria.
Submit your application yourself on the official portal; it costs nothing. Treat anyone demanding money to "get you approved" as a scam.
- Guidelines www.labour.gov.in
- PIB Press Release (4th March 2025) www.pib.gov.in
- User Manual For Application maandhan.in
- FAQs maandhan.in
- Revival SoA Update Process maandhan.in
tsmpb.in is not affiliated with any government department. Apply only on the official portal and never pay anyone for an application.
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