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Enroll to Avail Benefits from Pradhan Mantri Shram Yogi Maandhan Yojana

Karan Ghongade May 09, 2025 0

Enroll to Avail Benefits from Pradhan Mantri Shram Yogi Maandhan Yojana – Full Information Guide

Introduction

Pradhan Mantri Shram Yogi Maandhan Yojana (PMSYM) is a government-backed pension scheme launched by the Ministry of Labour and Employment in 2019. It aims to provide old-age protection to unorganized workers who are not covered under any formal pension system.

This article provides complete information on how to enroll, eligibility criteria, benefits, documents required, and more.

Key Highlights of PMSYM

  • Launch Year: 2019

  • Target Group: Unorganized sector workers

  • Pension Amount: ₹3,000/month after age 60

  • Contribution: Shared equally by the subscriber and the government

  • Mode of Enrollment: Online and offline through CSCs (Common Service Centres)

Eligibility Criteria

To enroll under PMSYM, the applicant must:

  • Be an unorganized worker (e.g., street vendor, rickshaw puller, construction worker, etc.)

  • Be 18 to 40 years of age

  • Have a monthly income of ₹15,000 or less

  • Not be a taxpayer

  • Not be covered under EPFO, ESIC, or NPS

  • Possess Aadhaar card and savings bank account

Benefits of the Scheme

  1. Monthly Pension: ₹3,000/month after turning 60.

  2. Family Pension: If the subscriber dies, spouse receives 50% pension.

  3. Government Contribution: Equal to what the subscriber contributes.

  4. Secure Retirement: Helps the informal sector get assured income.

Contribution Table (Age-wise)

Entry Age Monthly Contribution (by worker) Monthly Contribution (by Govt)
18 years ₹55 ₹55
25 years ₹80 ₹80
30 years ₹100 ₹100
35 years ₹150 ₹150
40 years ₹200 ₹200

Documents Required

  • Aadhaar Card

  • Savings Bank Account Passbook

  • Mobile Number

  • Age Proof (mentioned in Aadhaar is accepted)

Enrollment Process

1. Visit the Nearest Common Service Centre (CSC)

  • Carry Aadhaar card and bank passbook

  • CSC operator will assist in filling the PMSYM form

2. Biometric Authentication

  • Aadhaar-based fingerprint verification is done at CSC

3. Auto-debit Authorization

  • The applicant signs an auto-debit form for monthly deductions

4. Receipt and PMSYM Card

  • A pension scheme card and receipt will be issued immediately

5. Monthly Deductions

  • Monthly contributions are auto-debited from the bank account

Online Registration (for CSC Operators)

  • Visit https://maandhan.in

  • Select ‘Pradhan Mantri Shram Yogi Maandhan’

  • Log in as CSC operator and fill in subscriber details

  • Upload documents and submit the application

Exit and Withdrawal Options

  • Before 10 years: Contribution returned with interest

  • After 10 years but before 60: Contribution with interest

  • Death before 60: Spouse can continue or receive the contributions

  • Death after 60: 50% pension to spouse

Important Notes

  • Subscribers must ensure sufficient balance for monthly auto-debit.

  • Missing payments for over 6 months may result in deactivation.

  • Rejoining is allowed if arrears are cleared.

Common Issues and Solutions

Problem Solution
Aadhaar not linked with bank Visit bank to update Aadhaar linkage
Biometric device not working at CSC Try another CSC or wait for resolution
Low balance in account Maintain minimum balance for auto-debit
Unable to download scheme card Log in to maandhan.in with registration ID

Helpline and Contact

Conclusion

The Pradhan Mantri Shram Yogi Maandhan Yojana is a powerful initiative for unorganized workers to secure their future. With just a small monthly contribution, individuals can ensure a steady pension post-retirement. If you or someone you know is eligible, enroll today through your nearest CSC to avail of this lifetime benefit.

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