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Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM)

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Verified Scheme Data Profile

This profile has been independently compiled from official gazette notifications and verified web domains. Source Authority Link: www.pmsym.gov.in Authority: Government Authority • State/Region: Central / All India • Last Audited: 10 Sep 2026

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A voluntary and contributory pension scheme for unorganized workers providing an assured monthly pension of ₹3,000 after the age of 60 years.

Detailed Summary

Overview

The Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) scheme, launched by the Ministry of Labour and Employment in 2019, aims to secure the old age of workers in the unorganized sector. Under the scheme, subscribers make age-specific monthly contributions which are matched by the Government of India, and upon reaching 60 years of age, they receive a guaranteed pension of ₹3,000 per month.

Key Benefits & Financial Assistance

Comparison Criteria Benefits
Key Benefits
  • Assured monthly pension of ₹3,000 after attaining 60 years of age
  • Government co‑contribution equal to subscriber’s contribution
  • Option to exit the scheme after 10 years with refund of subscriber’s share plus interest
  • Portability across states and jobs
  • Tax benefits under Section 80CCD(1) of the Income Tax Act

Eligibility Criteria Profile

Comparison Criteria Eligibility
Minimum Age Limit 18 Years or above
Maximum Age Limit 40 Years or below
Gender Eligibility Female
Maximum Family Income ₹15,000 per annum or below
Occupation Status Unorganized worker
Domicile State All India (Central Scheme)

Application Process Guide

  1. Visit the nearest Common Service Centre (CSC), post office, or enrol online via the PM‑SYM portal (https://www.pmsym.gov.in).
  2. Fill the enrolment form with personal, bank, and Aadhaar details.
  3. Submit a self‑certified declaration of income and occupation.
  4. Pay the first contribution (subscriber’s share) through cash, cheque, or digital mode.
  5. Receive the PM‑SYM card and start receiving government co‑contribution from the next month.

Common FAQs regarding this Yojana

Any unorganized worker aged 18‑40 years with a monthly income up to ₹15,000, who is not covered under EPFO/ESIC/NPS and does not pay income tax, is eligible.

The scheme guarantees a monthly pension of ₹3,000 after the subscriber attains the age of 60 years, provided contributions have been made regularly.

Yes, after a minimum of 10 years of subscription, you may exit the scheme and receive your accumulated contribution with interest; the government’s co‑contribution is not refundable.