PM Shram Yogi Maandhan 2026: ₹3,000 Pension for Unorganised Workers
PM-SYM is a voluntary pension for eligible unorganised workers such as vendors, domestic workers, construction workers and own-account workers. The worker and Government contribute equally until age 60.
Eligibility and benefits are based on the Ministry of Labour page and Maandhan portal. Enrolment is subject to validation against EPFO, ESIC, NPS and income-tax records.
Answer 5–7 simple questions and get your eligibility score in 2 minutes.
Check eligibility now →At a glance
- Entry age
- 18–40 years
- Income ceiling
- ₹15,000 per month
- Contribution
- ₹55–₹200, Government matches
- Pension
- ₹3,000 monthly after 60
What is it?
Pradhan Mantri Shram Yogi Maandhan provides old-age protection to low-income unorganised workers. Home-based workers, street vendors, domestic workers, rickshaw pullers, construction workers, landless labourers and similar occupations may qualify if all conditions are met.
Benefits
A subscriber who contributes regularly receives at least ₹3,000 monthly after 60. The Central Government deposits an equal matching contribution. If the pensioner dies, the spouse is eligible for 50% of the pension as family pension under scheme rules.
Eligibility criteria
- ✓Unorganised worker aged 18 to 40
- ✓Monthly income of ₹15,000 or less
- ✓Not a member of EPFO, ESIC or Government-funded NPS
- ✓Not an income-tax payer
Documents required
- ✓Aadhaar card and Aadhaar-linked mobile
- ✓Savings bank or Jan Dhan account passbook with IFSC
- ✓Nominee and spouse details, where applicable
- ✓Occupation and self-declared income information for enrolment
How to apply — step by step
- Check all four eligibility tests before starting
- Use self-registration on maandhan.in where available or visit an authorised CSC
- Authenticate Aadhaar and provide bank, occupation and nominee details
- Pay the first age-based contribution and approve auto-debit
- Download/collect the pension card and keep contributions regular
Important dates
PM-SYM is ongoing with no nationwide last date. Only people aged 18–40 can enter, so crossing age 40 ends fresh-entry eligibility.
Common mistakes to avoid
- ✓Applying despite active EPFO, ESIC or Government-funded NPS membership
- ✓Using annual income instead of the ₹15,000 monthly-income test
- ✓Believing the Government pays the entire contribution
- ✓Sharing OTP or paying unofficial agents for enrolment
Frequently asked questions
Who is PM-SYM for?
It is for eligible unorganised workers aged 18–40 earning ₹15,000 or less per month and outside EPFO, ESIC and Government-funded NPS.
Is the pension free?
No. It is contributory. The worker pays ₹55–₹200 monthly by entry age and the Government matches it.
When does pension begin?
The minimum assured ₹3,000 monthly pension begins after age 60, subject to regular contribution and scheme rules.
What is the official helpline?
The Maandhan portal lists helpline 14434. Verify it on the portal before calling.
Answer 5–7 simple questions and get your eligibility score in 2 minutes.
Check eligibility now →