employmentActive
Pradhan Mantri Shram Yogi Maan-dhan
PM-SYM
Ministry of Labour & EmploymentUpdated: 15 December 2025
About the Scheme
Pension scheme for unorganized workers with monthly pension of Rs 3,000 after age 60
Benefits
50% government contribution, family pension at 50% of the pension to spouse, guaranteed pension for life
Eligibility Criteria
Unorganized workers aged 18-40 with monthly income below Rs 15,000
Documents Required
Aadhaar, savings bank account, mobile number
Step-by-Step Application Process
1
Visit nearest Common Service Centre (CSC)
2
enroll through PM-SYM portal
3
provide Aadhaar and bank details
4
auto-debit contribution starts
Frequently Asked Questions
How much is the monthly contribution?
Between Rs 55 to Rs 200 per month based on age at enrollment
Can I exit the scheme?
Exit before 60: contribution returned with savings bank interest. Exit after 60: lifelong pension