The Pradhan Mantri Shram Yogi Maandhan (PMSYM) is a revolutionary pension scheme for India’s unorganized sector workers, offering ₹3000 monthly pension after age 60. This scheme provides financial security to millions of laborers, farmers, and daily wage earners.
Key Benefits You Can’t Miss
✅ Guaranteed ₹3000/month pension after 60 years
✅ Spousal coverage – ₹1500/month to widow(er)
✅ Flexible contributions as low as ₹55/month
✅ Full refund with interest if exiting before 10 years
✅ Government co-contribution matches your deposits
Eligibility Criteria
✔ Age: 18-40 years
✔ Monthly Income: Below ₹15,000
✔ Unorganized Sector Worker:
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Construction labor
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Agricultural workers
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Street vendors
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Domestic workers
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Fisherfolk/weavers
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Similar occupations
Contribution Chart (Monthly Premiums)
| Entry Age | Monthly Contribution |
|---|---|
| 18 years | ₹55 |
| 25 years | ₹100 |
| 30 years | ₹150 |
| 40 years | ₹200 |
Note: Government matches your contribution equally
How to Enroll (2 Simple Methods)
1. Through Common Service Center (CSC)
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Visit nearest CSC center with documents
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Provide Aadhaar & bank details
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Pay first month’s contribution
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Receive PMSYM card instantly
2. Online Self-Registration
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Visit maandhan.in
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Click “Enroll Now”
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Enter Aadhaar & mobile number (OTP verification)
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Fill personal & employment details
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Make first payment via UPI/Net Banking
Required Documents
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Aadhaar Card
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Bank Account Details (Aadhaar-linked)
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Income Declaration (Self-certified)
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Mobile Number
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Passport-size Photo
Why This Scheme is Unique?
🔹 Lowest premium among pension schemes
🔹 No medical examination required
🔹 Nomination facility available
🔹 Auto-debit option for hassle-free payments
Exit & Withdrawal Rules
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Before 10 years: Refund of contributions + interest
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After 10 years: Regular pension at 60
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Death before 60: Spouse continues scheme or receives corpus
Pro Tip: Enroll before age 30 to maximize benefits with lower premiums!
Important Contacts
📞 Helpline: 1800-267-6888
📧 Email: support.pmsym@gov.in
📍 Grievance Redressal: Visit nearest Labour Office
“Don’t wait for tomorrow – secure your ₹3000/month pension today! Your future self will thank you.” #ShramYogiPension #UnorganizedWorkers
Note: Contributions qualify for Section 80CCD(2) tax benefits under Income Tax Act.