Pradhan Mantri Shram Yogi Maandhan (PM-SYM)
Pension₹3,000 a month (after age 60)
Entry age18 to 40 years
Monthly income₹15,000 or less
Government contributionMatching amount
⚠️ The age-wise contribution amounts could not be checked here. Confirm with a CSC or the official portal before enrolling.
What is the scheme?
PM-SYM is a pension scheme for unorganised sector workers. The member pays a fixed monthly amount and the Central Government adds an equal amount. After age 60 the member gets at least ₹3,000 a month as pension.
Key benefits
- At least ₹3,000 a month pension after age 60
- 50% of the pension as family pension to the spouse if the member dies
- Matching contribution from the government
Eligibility – who can apply
- Unorganised sector worker
- Age 18 to 40 at entry
- Monthly income ₹15,000 or less
- A savings or Jan Dhan bank account
Who is not eligible / things to note
- Members of EPF, NPS or ESIC
- Income tax payers
Documents required
- Aadhaar card
- Savings or Jan Dhan account number and IFSC
How to apply (step by step)
- Visit the nearest CSC (Common Service Centre) with Aadhaar and your bank/Jan Dhan account
- Enrolment is done on a self-certification basis
- Pay the first contribution in cash; later contributions are auto-debited from the next month
- Later you can also self-register on the PM-SYM web portal/mobile app
Frequently asked questions
How much contribution is to be paid?
It is fixed by age. The age-wise chart could not be checked here; see the CSC or the portal.
When does the pension begin?
After age 60.
Can EPF members join?
No, EPF, NPS or ESIC members are not eligible.
Beware: Do not pay any agent or website in the name of applying for a government scheme. Applying on the official portal is generally free. Do not share OTP, PIN or confidential bank details with anyone.