What is PM Shram Yogi Maandhan (PM-SYM)?
Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) is the flagship pension scheme for India's unorganised sector workers — street vendors, rickshaw pullers, domestic workers, construction labourers, agriculture labourers, hawkers, and home-based workers. Launched February 2019. Workers aged 18-40 with monthly income ≤ ₹15,000 contribute ₹55-₹200/month (based on entry age) and the Government of India matches the contribution on 1:1 basis. After age 60, beneficiaries receive a guaranteed monthly pension of ₹3,000 for life. 50+ lakh subscribers enrolled. Enroll at maandhan.in or any CSC.
PM Shram Yogi Maandhan (PM-SYM) — Quick Overview
| Scheme Name | PM Shram Yogi Maandhan (PM-SYM) 2026 — ₹3,000/Month Pension for Unorganised Workers |
| Launched By | Government of India |
| Launch Year | 2019 |
| Benefit | ₹3,000 guaranteed monthly pension after age 60 for life — government matches your ₹55-₹200 monthly contribution 1:1 |
| Category | Finance |
| Last Verified | 16 May 2026 |
| Official Portal | https://maandhan.in |
Benefits of PM Shram Yogi Maandhan (PM-SYM)
₹3,000 guaranteed monthly pension after age 60 for life — government matches your ₹55-₹200 monthly contribution 1:1
Who is Eligible for PM Shram Yogi Maandhan (PM-SYM)?
- ✓Unorganised sector worker (not covered under EPFO/ESIC/NPS)
- ✓Age 18-40 years
- ✓Monthly income ≤ ₹15,000
- ✓Aadhaar Card mandatory
- ✓Savings or Jan Dhan bank account with mobile linked
- ✓Indian citizen
Documents Required for PM Shram Yogi Maandhan (PM-SYM)
How to Apply for PM Shram Yogi Maandhan (PM-SYM) Online?
- 1Visit maandhan.in or your nearest Common Service Centre (CSC) to enroll in PM-SYM.
- 2Confirm you are an unorganised sector worker aged 18-40 earning up to ₹15,000/month.
- 3Submit your Aadhaar Card and a savings or Jan Dhan bank account with mobile number linked.
- 4Provide your bank account's IFSC code so the monthly contribution can be debited.
- 5Pay your age-based monthly contribution of ₹55-₹200 into the pension account.
- 6The Government of India matches your contribution 1:1 into the same pension fund.
- 7After turning 60, start receiving the guaranteed ₹3,000 monthly pension for life.
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