How to Enroll to Avail Benefits from Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM)
The Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) is a social security scheme launched by the Government of India.
It is designed to provide financial assistance to unorganized sector workers after the age of 60.
The scheme ensures that workers who have spent their lives contributing to the economy without any formal pension system can live with dignity in their old age.
If you are a small shopkeeper, a street vendor, a rickshaw puller, an agricultural worker, or any other daily wage earner with a monthly income of ₹15,000 or less, this scheme could be a blessing for your future.
In this detailed guide, we will explain how to enroll in PM-SYM, the benefits, eligibility, required documents, and step-by-step instructions.
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What is Pradhan Mantri Shram Yogi Maandhan Yojana?
PM-SYM is a voluntary and contributory pension scheme for workers in the unorganized sector. Under this scheme:
- After reaching 60 years of age, the subscriber receives a monthly pension of ₹3,000.
- The government also contributes the same amount as the subscriber, making it a 50-50 contribution scheme.
- In case of the subscriber’s death, the spouse becomes eligible for a family pension of ₹1,500 per month.
This scheme provides a strong social security net for poor and unorganized sector workers, ensuring that they don’t have to depend on others during old age.
Who Can Apply? (Eligibility Criteria)
Before applying, check whether you fall under the eligibility criteria. The following conditions must be met:
- Age Limit: You should be between 18 to 40 years old.
- Monthly Income: Your income should be ₹15,000 or less per month.
- Occupation: You must be working in the unorganized sector (like rickshaw pullers, street vendors, daily wage laborers, construction workers, agricultural workers, etc.).
- Exclusion: You cannot apply if you are already a member of EPFO, NPS, or ESIC.
- Aadhaar Card: You must have a valid Aadhaar number.
- Bank Account: You should have a savings bank account that is linked with Aadhaar and has an auto-debit facility.
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Benefits of PM-SYM Scheme
Understanding the benefits will motivate you to enroll. Here are the key advantages:
- Guaranteed Pension: After turning 60, you will get ₹3,000 per month as a pension.
- Government Contribution: Whatever you contribute, the government will contribute the same amount.
- Family Pension: If you die, your spouse will receive ₹1,500 per month.
- Affordable Contribution: You only need to pay ₹55 to ₹200 per month depending on your age at the time of joining.
- Security in Old Age: No need to depend on children or others; you will have your own pension.
Contribution Chart
The contribution depends on your age at the time of enrollment. Here’s a quick idea:
- At 18 years: ₹55 per month
- At 25 years: ₹110 per month
- At 30 years: ₹166 per month
- At 35 years: ₹226 per month
- At 40 years: ₹200 per month
The contribution amount is auto debited from your bank account every month.
Documents Required
To apply for PM-SYM, you need to keep the following documents ready:
- Aadhaar Card
- Savings Bank Account Passbook or Bank Account Number
- Mobile Number (linked with Aadhaar)
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How to Enroll in Pradhan Mantri Shram Yogi Maandhan Yojana?
There are two ways to enroll in this scheme:
1. Enrollment Through Common Service Centres (CSCs)
This is the most common and easiest way for rural and semi-urban workers.
Steps:
- Visit your nearest Common Service Centre (CSC).
- Carry your Aadhaar Card, bank passbook, and mobile number.
- The Village Level Entrepreneur (VLE) will enter your details in the PM-SYM portal.
- The first contribution amount will be debited from your account.
- After successful enrollment, you will receive a PM-SYM Card.
2. Self-Enrollment Using the Official Portal
If you have access to the internet, you can also self-enroll online.
Steps:
- Visit the official PM-SYM website: https://maandhan.in
- Click on “Click Here to Apply Now” under the PM-SYM option.
- Enter your Aadhaar number and verify it with OTP.
- Fill in your details (name, age, income, etc.).
- Provide your bank account details for auto-debit.
- Pay the first contribution.
- Download your PM-SYM Card.
Things to Keep in Mind While Enrolling
- Ensure your bank account has sufficient balance for monthly auto-debit.
- Contributions should be paid regularly; otherwise, benefits may stop.
- In case you want to exit the scheme early, certain rules apply.
- Always keep your PM-SYM card safe.
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What Happens If You Stop Paying?
If you miss payments:
- Your account may become inactive.
- You can reactivate it by paying the pending contributions with a penalty.
If you permanently stop:
- After 60 years, your contributions (with interest) will be returned.
- After death, your spouse can continue the scheme.
Family Pension Facility
If the subscriber dies after 60 years, the spouse will get a 50% pension (₹1,500 per month). This ensures that the family is not left without support.
Why Should You Join PM-SYM?
- No other pension scheme offers such low contribution and high returns.
- The government is directly contributing to your future.
- It provides financial independence in old age.
- Especially useful for workers who don’t have PF or other retirement savings.
Step-by-Step Example: How Ramesh, a Rickshaw Puller, Enrolled
To make it easier to understand, let’s take an example.
Ramesh, aged 25, earns about ₹10,000 per month.
He goes to the nearby CSC with his Aadhaar card and bank passbook.
The VLE registers him for PM-SYM.
His contribution is ₹110 per month, and the government also contributes the same amount.
After turning 60, Ramesh will get ₹3,000 every month.
If he dies, his wife will get ₹1,500 every month.
This way, Ramesh secures his family’s future.
Conclusion on How to Enroll to Avail Benefits from Pradhan Mantri Shram Yogi Maandhan Yojana
The Pradhan Mantri Shram Yogi Maandhan Yojana is a great opportunity for unorganized sector workers to secure their old age.
With small monthly contributions, you can enjoy a guaranteed pension of ₹3,000 per month after 60.
The process of enrollment is simple, either through CSCs or online.
By joining this scheme, you not only protect yourself but also ensure financial security for your family.
If you are eligible, do not delay.
Visit your nearest CSC or apply online today to start your journey towards a safe and secure retirement.
✅ Key Takeaway: With just a small contribution today, you can ensure a dignified and independent old age tomorrow through PM-SYM.
Frequently Asked Questions
How can I apply for Pradhan Mantri Shram Yogi Mandhan Yojana?
You can apply for the Pradhan Mantri Shram Yogi Maandhan Yojana by visiting your nearest Common Service Centre (CSC) with your Aadhaar card, bank account details, and mobile number. You can also self-enroll online through the official website maandhan.in.
How to get 3000 from an e-shram card?
To get the ₹3000 monthly pension benefit from the e-Shram card, you need to register under the Pradhan Mantri Shram Yogi Maandhan Yojana (PMSYM) through the e-Shram portal or a nearby CSC. After contributing a small monthly premium until age 60, you will start receiving ₹3000 per month as a pension.
How to register in maandhan?
You can register in Maandhan Yojana by visiting the official website maandhan.in and selecting the scheme you are eligible for (like PMSYM). Then, fill in your Aadhaar details and bank account information and complete the enrollment, or you can also register offline at your nearest Common Service Centre (CSC).
Can a person with an income above ₹15,000 join this scheme?
No. Only those with an income of ₹15,000 or less per month are eligible.
What if I already have an EPF account?
You cannot apply if you are already covered under EPFO, NPS, or ESIC.
Is the pension guaranteed?
Yes. After completing 60 years and contributing regularly, you will get ₹3,000 pension every month.
Can I change my bank account details later?
Yes, you can update bank details through the CSC or the portal.
What if I move to another city?
No problem. The scheme is national; you can continue contributions from anywhere.
