PM Shram Yogi Mandhan Yojana 2025: Government Guarantees ₹3,000 Monthly Pension for Workers

The Government of India has reinforced its commitment to social security with the Pradhan Mantri Shram Yogi Mandhan Yojana (PMSYM). Managed by LIC and the Ministry of Labour and Employment, this scheme is a direct financial lifeline for workers in the unorganized sector. The scheme ensures that daily wage earners, domestic helpers, and drivers receive a secure pension after retirement, similar to government employees.

Under this initiative, eligible beneficiaries are guaranteed a monthly pension of ₹3,000 upon attaining the age of 60. The most significant feature of this scheme is the 50% Government Contribution—meaning the government deposits an amount equal to what the worker saves, effectively doubling the investment immediately.

Scheme Overview & Official Details

Who Is Eligible? (Qualification Criteria)

The scheme is strictly designed for the unorganized workforce. Candidates must meet the following criteria to apply:

• Occupation: Must work in the unorganized sector (e.g., Street Vendors, Rickshaw Pullers, Construction Workers, Domestic Helps, Agricultural Laborers).
• Age Limit: The applicant must be between 18 and 40 years of age.
• Income Cap: Monthly income must be ₹15,000 or less.
• Restrictions: The applicant must NOT be an Income Tax Payer or a member of EPFO/NPS/ESIC.

Contribution Chart: How Much Do You Need to Pay?

The contribution amount is dynamic based on the joining age. Since the government provides a 50% subsidy, the burden on the worker is minimal.

Required Documents

To register for the pension card, applicants must possess:

1. Aadhaar Card (Mandatory for identification).
2. Active Bank Account (Savings/Jan Dhan) with IFSC Code.
3. Mobile Number (Linked to Aadhaar).

How to Apply for PMSYM 2025

Eligible workers can enroll through two primary modes: via Common Service Centers (CSC) or online through the Maandhan portal.

1. Offline Registration (CSC Center)

• Visit the nearest Common Service Center (CSC).
• Submit your Aadhaar and Bank details to the Village Level Entrepreneur (VLE).
• The system will calculate the monthly contribution based on age.
• Pay the first installment in cash. The VLE will issue the Shram Yogi Pension Card immediately.

2. Online Registration

• Visit the official portal: maandhan.in.
• Select "Self Enrollment" and login using your mobile number and OTP.
• Enter personal details and bank account information.
• Upload the required documents and set up the auto-debit mandate.

Important Links

• Official Website: Click Here to Visit maandhan.in
• New Registration: Click Here to Apply Online