Pradhan Mantri Shram Yogi Maandhan (PM-SYM) is a voluntary, contributory pension scheme for unorganised sector workers, offering an assured pension of up to ₹3,000 per month after the age of 60, with the Government matching the subscriber’s contribution on a 50:50 basis. With over 46,91,720 registered beneficiaries, it serves as an affordable old-age security option. This page provides a clear overview of the scheme, including eligibility, benefits, contributions, and the enrolment process.
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Launched in 2019 by the Ministry of Labour and Employment, Government of India, Pradhan Mantri Shram Yogi Maandhan (PM-SYM) is a pension scheme aimed at strengthening social security for the workforce. It is specifically designed for unorganised sector workers who are not covered under formal retirement or pension systems.
Under this scheme, eligible subscribers receive an assured monthly pension of up to ₹3,000 after attaining 60 years of age through a voluntary and contributory structure. The subscriber’s contribution is matched equally by the Central Government (50:50), and the pension funds are managed by Life Insurance Corporation of India (LIC) to ensure long-term financial protection and income security in old age.
Minimum guaranteed pension of ₹3,000 per month after 60 years of age
Voluntary and contributory pension scheme for unorganised sector workers
Central Government matches the subscriber’s contribution (50:50)
Managed by Life Insurance Corporation of India (LIC)
Lifelong monthly pension payable to the subscriber
Spouse is entitled to the family pension after the subscriber’s death
Nationwide portability through Aadhaar-linked accounts
Pradhan Mantri Shram Yogi Maandhan (PM-SYM) is designed to provide long-term financial security to unorganised sector workers who lack formal retirement coverage. The scheme focuses on ensuring a stable income in old age while keeping contributions affordable through Government support.
Guaranteed minimum pension of ₹3,000 per month after the age of 60, offering dependable financial support in old age
In case of the subscriber’s death, the spouse is eligible to receive 50% of the pension as family pension, subject to the scheme terms
The Central Government matches the subscriber’s contribution on a 50:50 basis, reducing the financial burden on the worker
Unorganised workers such as street vendors, domestic workers, rickshaw pullers, construction workers, agricultural labourers, and similar occupations seeking affordable old-age protection
To enrol under Pradhan Mantri Shram Yogi Maandhan (PM-SYM), an individual must meet the following eligibility conditions:
Must be engaged in the unorganised sectorp>
Between 18 and 40 years at the time of joining
Should have a monthly income of ₹15,000 or less
Must have a valid Aadhaar number linked to a mobile number
Should have a savings bank account linked with Aadhaar
Not covered under EPFO, ESIC, or NPS, and not an income tax payer
The monthly contribution under Pradhan Mantri Shram Yogi Maandhan (PM-SYM) varies by the age at which a worker joins the scheme, with equal matching contributions by the Central Government. Below is the officially prescribed age-wise contribution chart (contributions are paid monthly until age 60):
| Entry Age (Years) | Member’s Monthly Contribution (₹) | Central Govt’s Monthly Contribution (₹) | Total Monthly Contribution (₹) |
|---|---|---|---|
| 18 | 55 | 55 | 110 |
| 19 | 58 | 58 | 116 |
| 20 | 61 | 61 | 122 |
| 21 | 64 | 64 | 128 |
| 22 | 68 | 68 | 136 |
| 23 | 72 | 72 | 144 |
| 24 | 76 | 76 | 152 |
| 25 | 80 | 80 | 160 |
| 26 | 85 | 85 | 170 |
| 27 | 90 | 90 | 180 |
| 28 | 95 | 95 | 190 |
| 29 | 100 | 100 | 200 |
| 30 | 105 | 105 | 210 |
| 31 | 110 | 110 | 220 |
| 32 | 120 | 120 | 240 |
| 33 | 130 | 130 | 260 |
| 34 | 140 | 140 | 280 |
| 35 | 150 | 150 | 300 |
| 36 | 160 | 160 | 320 |
| 37 | 170 | 170 | 340 |
| 38 | 180 | 180 | 360 |
| 39 | 190 | 190 | 380 |
| 40 | 200 | 200 | 400 |
Source: Ministry of Labour & Employment / maandhan.in contribution chart (updated Jan 2025)
The PM-SYM journey begins with enrolment, after which the subscriber makes auto-debit monthly contributions from the linked bank account. These contributions must be paid continuously until the age of 60, after which the monthly pension is activated and paid for life. If contributions become irregular, the scheme allows regularisation by paying pending dues along with applicable penalty/interest, as per scheme provisions. Persistent non-payment may lead to suspension, but revival is permitted within the defined rules.
Enrolment under PM-SYM can be completed through offline (CSC-based) or online (government digital platforms) modes. Below is a step-by-step guide for both processes.
Visit the nearest Common Service Centres (CSC).
Provide your Aadhaar number for Aadhaar-based authentication (OTP/biometric).
Submit bank account details linked with Aadhaar.
Select your entry age, based on which the monthly contribution is calculated.
Give auto-debit consent for monthly contributions from your bank account.
The CSC operator completes the registration and generates the PM-SYM pension account.
Receive the PM-SYM card/acknowledgement, confirming successful enrolment.
Visit the PM-SYM service link available on Government portals such as UMANG.
Log in using your mobile number linked with Aadhaar.
Complete Aadhaar-based verification through OTP.
Enter your bank account details for contribution auto-debit.
Review the contribution amount based on your age and provide auto-debit authorisation.
Submit the application to complete enrolment and receive confirmation of your PM-SYM account.
Aadhaar card (linked with mobile number)
Savings bank account details
Mobile number
Consent for auto-debit of monthly contributions
You can also visit the Maadhin User Manual for reference.
Here are the key official online portals and service links where you can access Pradhan Mantri Shram Yogi Maandhan (PM-SYM) information, services, and enrolment options:
Official Maandhan Portal – Schemes & Services - https://maandhan.in/ (Primary Government portal for PM-SYM)
UMANG PM-SYM Service Page https://web.umang.gov.in/landing/department/maandhan.html (Access benefits & links via UMANG platform)
e-Governance Service for Enrolment & Benefits (India Services Portal) https://services.india.gov.in/service/detail/enroll-to-avail-benefits-from-pradhan-mantri-shram-yogi-maandhan-yojana-1 (Central services portal listing)
Ministry of Labour & Employment – PM-SYM Overview https://labour.gov.in/pm-sym (Government scheme page with official details)
The PM-SYM scheme defines clear exit and settlement rules to protect subscribers and their families in different life situations. These provisions ensure transparency around contributions, continuity options, and payouts, strictly as per scheme guidelines.
If the subscriber exits the scheme before completing 10 years, the subscriber’s contribution is returned along with savings bank interest. The Government’s matching contribution is not payable in this case.
If the subscriber exits after completing 10 years but before attaining 60 years of age, the subscriber’s contribution is refunded with applicable interest, as specified under scheme rules (generally the higher of prescribed rates). The Government’s share is not included.
In the event of the subscriber’s death, the spouse is given the option to continue the scheme by paying future contributions, or to exit the scheme and receive settlement as per PM-SYM norms.
If the subscriber suffers permanent disability and is unable to continue contributions, the spouse may choose to continue the scheme or opt for settlement, in accordance with scheme provisions.
Here are the common mistakes you should avoid while availing the PM-SYM Scheme:
Enrolling without confirming age, income, or unorganised worker status can lead to rejection or future issues.
Skipping auto-debit payments without timely regularisation may result in penalties or temporary suspension of the account.
Errors in Aadhaar linkage or bank information can cause enrolment failures or missed contribution debits.
Failing to update changes in mobile number, bank account, or nominee details may affect communication and benefits.
Exiting before completing the required period does not entitle the subscriber to the Government’s contribution.
Not understanding continuation or settlement options for the spouse in case of death or disability can lead to uninformed decisions.
For issues related to enrolment, contributions, pension, or account services under PM-SYM, subscribers can reach out through the following official Government support channels:
Nodal Authority: Joint Secretary and Director General (Labour Welfare), Ministry of Labour and Employment, Government of India
Helpline Number: 14434
Email Support: scpms@licindia.com & Rwsection-mole@gov.in
Grievance Portal: https://gms.eshram.gov.in/ (Online grievance registration and tracking)
Yes. PM-SYM provides an assured minimum pension of up to ₹3,000 per month after the age of 60, subject to regular contributions and scheme rules.
Unorganised sector workers aged 18–40 years with a monthly income up to ₹15,000, who are not covered under EPFO, ESIC, or NPS, and are not income tax payers.
Aadhaar card (linked with mobile number), savings bank account details, mobile number, and auto-debit consent.
The contribution is age-based at entry, starting from around ₹55 per month at age 18 and going up to ₹200 per month at age 40, with an equal Government contribution.
Yes. The Central Government matches the subscriber’s contribution on a 50:50 basis throughout the contribution period.
You can register through Common Service Centres (CSCs), via Government platforms like UMANG, or through links available on the official Maandhan portal.
Missed contributions can be regularised by paying pending dues with applicable penalty/interest, as per scheme provisions. Continued non-payment may lead to suspension, with revival allowed under the rules.
Yes. Before 10 years: Subscriber’s contribution + savings bank interest (Government share not payable) and after 10 years but before 60: Subscriber’s contribution + applicable interest, as per scheme rules.
Before 60, the spouse may choose to continue the scheme or opt for settlement as per the rules. After pension starts, family pension provisions apply.
Yes. The spouse is eligible for 50% of the pension amount as family pension, subject to the scheme terms.
It is available to all eligible unorganised workers, including street vendors, domestic workers, rickshaw pullers, construction workers, agricultural labourers, and similar occupations.
You can approach CSCs, use services on UMANG or the Maandhan portal, or contact the Ministry of Labour and Employment through the official helpline, email support, or the e-Shram grievance portal.
