What is PM Karam Yogi Maan-Dhan?
Pradhan Mantri Karam Yogi Maan-Dhan (PM-KYMM) is a central government voluntary pension scheme for small traders, shopkeepers, and self-employed individuals with an annual turnover of up to ₹1.5 crore. Launched on 22 July 2019, PM-KYMM guarantees a minimum pension of ₹3,000/month after the age of 60 years. It is a contributory scheme: subscribers contribute ₹55-200/month (depending on entry age 18-40 years) and the government contributes an equal matching amount. On the subscriber's death, spouse gets 50% family pension. Not mandatory — purely voluntary. Registration through CSC centres (free). 35 lakh+ traders registered. Important: trades registered under GST with turnover ≤ ₹1.5 crore. Also not available to EPFO/ESIC/NPS members. Implemented by Life Insurance Corporation (LIC) and administered through maandhan.in portal.
PM Karam Yogi Maan-Dhan — Quick Overview
| Scheme Name | PM Karam Yogi Maan-Dhan (Traders Pension) 2026 — ₹3,000/Month Pension for Small Traders & Shopkeepers |
| Launched By | Government of India |
| Launch Year | 2019 |
| Benefit | ₹3,000/month guaranteed minimum pension after age 60 — equal government matching contribution — spouse gets 50% family pension |
| Category | Finance |
| Last Verified | 16 May 2026 |
| Official Portal | https://maandhan.in |
पीएम कर्म योगी मान-धन — छोटे व्यापारी, दुकानदार (GST turnover ≤ ₹1.5 करोड़) को 60 वर्ष के बाद ₹3,000/माह न्यूनतम पेंशन। ₹55-200/माह contribution; सरकार बराबर match करती है। CSC पर मुफ्त पंजीकरण। LIC द्वारा प्रबंधित।
60 वर्ष के बाद ₹3,000/माह पेंशन — सरकार बराबर योगदान करती है
Benefits of PM Karam Yogi Maan-Dhan
₹3,000/month guaranteed minimum pension after age 60 — equal government matching contribution — spouse gets 50% family pension
Who is Eligible for PM Karam Yogi Maan-Dhan?
- ✓Small traders and shopkeepers aged 18-40 years
- ✓Annual turnover ≤ ₹1.5 crore (GST-registered or not, but GST number preferred)
- ✓Self-employed — not covered under EPFO, ESIC, NPS, or any other statutory social security scheme
- ✓Must NOT be an income taxpayer
- ✓Valid Aadhaar card and bank account (savings account) mandatory
Documents Required for PM Karam Yogi Maan-Dhan
How to Apply for PM Karam Yogi Maan-Dhan Online?
- 1Visit the nearest Common Service Centre (CSC) or go to maandhan.in to register for PM-KYMM.
- 2Confirm you are a trader aged 18-40 with turnover up to ₹1.5 crore, not enrolled in EPFO, ESIC, or NPS.
- 3Submit Aadhaar card, savings bank passbook, and GST registration (if held) at the CSC.
- 4CSC operator calculates your monthly contribution (₹55-₹200 based on entry age) and sets up bank auto-debit.
- 5Government matches your contribution equally into the pension corpus, managed by LIC of India.
- 6Continue monthly contributions until age 60 to start receiving the ₹3,000/month guaranteed pension.
- 7On subscriber's death, spouse can approach the same CSC/portal to claim the 50% family pension.
Official Government Portal
maandhan.in is the only authorised application channel, and the government charges nothing there — never pay anyone to apply on your behalf.
🔗Apply on maandhan.in