Central government scheme · Ministry of Labour and Employment

Pradhan Mantri Shram Yogi Maan-dhan

Also called PM-SYM

Pradhan Mantri Shram Yogi Maan-dhan is a central scheme run by the Ministry of Labour and Employment. It is for unorganised-sector workers aged 18 to 40 with a monthly income of ₹15,000 or less, who are not members of EPFO, ESIC, or the government-funded NPS, and are not income-tax payers. Beneficiaries get an assured pension of ₹3,000 a month after age 60, with the central government adding an amount equal to the monthly contribution. To apply, visit a Common Service Centre with your Aadhaar and savings bank account details, verify your identity with Aadhaar biometrics, fill in the online registration form, and pay the first contribution in cash; you can also self-enrol on the Maandhan portal.

Written by AI from the official details below.

Apply on maandhan.in

Who can apply for PM-SYM

  • Unorganised-sector workers aged 18 to 40, such as street vendors, domestic workers, construction workers and agricultural workers.
  • Monthly income of ₹15,000 or less.
  • Not a member of EPFO, ESIC or the government-funded NPS.
  • Not an income-tax payer.

PM-SYM benefits

  • Assured pension of ₹3,000 a month after age 60.
  • The central government adds an amount equal to your monthly contribution.
  • Your monthly contribution is ₹55 to ₹200, depending on age at joining (₹55 at 18, ₹200 at 40).
  • If the subscriber dies after 60, the spouse gets half the pension as family pension.
  • If the subscriber dies, or is permanently disabled by accident, before 60, the spouse can continue the scheme or withdraw the contributions with interest.

How to apply for PM-SYM

  1. Visit a Common Service Centre (CSC) with your Aadhaar and savings bank account details.
  2. Verify your identity with Aadhaar biometrics and fill in the online registration form.
  3. Pay the first contribution in cash and allow auto-debit from your bank account for later months.
  4. You get a PM-SYM card after enrolment.
  5. You can also self-enrol on the Maandhan portal.

Documents needed for PM-SYM

  • Aadhaar card
  • Savings bank or Jan Dhan account details with IFSC
  • Mobile number

Where it applies

Every state and union territory. See what else applies near you

Checked

Checked against the sources below on 16 October 2026. Rules change, so confirm on the official site before you apply.

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