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प्रधानमंत्री श्रम योगी मान-धन (PM-SYM)

आवेदन मोड: MIXED सक्रिय
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सत्यापित योजना डेटा प्रोफ़ाइल

यह प्रोफ़ाइल स्वतंत्र रूप से आधिकारिक राजपत्र अधिसूचनाओं और सत्यापित वेब डोमेन से संकलित की गई है। स्रोत प्राधिकरण लिंक: www.pmsym.gov.in प्राधिकरण: सरकारी प्राधिकरण • राज्य/क्षेत्र: केंद्रीय / अखिल भारतीय • अंतिम बार ऑडिट किया गया: 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.

विस्तृत सारांश

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.

प्रमुख लाभ और वित्तीय सहायता

तुलना मानदंड लाभ
प्रमुख लाभ
  • 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

पात्रता मानदंड प्रोफ़ाइल

तुलना मानदंड पात्रता
Minimum Age Limit 18 Years or above
Maximum Age Limit 40 Years or below
Gender Eligibility महिला
Maximum Family Income ₹15,000 per annum or below
Occupation Status असंगठित श्रमिक
Domicile State All India (Central Scheme)

आवेदन प्रक्रिया मार्गदर्शिका

  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.

इस योजना के बारे में अक्सर पूछे जाने वाले प्रश्न

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.