वित्त मंत्री निर्मला सीतारमन ने प्रधानमंत्री कर्म योगी मानधन योजना को किया लांच, खुदरा व्यापारियों और छोटे दुकानदारों के लिए नयी पेंशन योजना, अब सभी कामगारों को मिलेगी 3,000 रूपये प्रति माह की पेंशन
National Pension Scheme for Traders and Self Employed Persons Apply: Central govt. is inviting PM Laghu Vyapari Mandhan Yojana online registration form at maandhan.in. This Pradhan Mantri Karam Yogi Maandhan (PM-KYM) Scheme subscriber enrollment process is ongoing at the official website. All the retail traders and small shopkeepers can fill PM Laghu Vyapari Maan dhan Yojana apply online form and make registration to avail pension of Rs. 3,000 per month. Moreover, people can now check the eligibility criteria, features, benefits and can track status.
About PM Laghu Vyapari Mandhan Yojana 2024
PM Laghu Vyapari Maandhan Yojana Subscriber enrollment form asks for date of birth, aadhaar number, mobile number, e-mail ID and other details from retail traders and self employed persons. The beneficiary self employed, shop owners, retail owners and other vyaparis (karamyogi) in the age group of 18 to 40 years (eligibility) will have to pay premium. The range of premium amount is Rs. 55 to Rs. 200 depending on age of karamayogis which comes with an option for auto-deduction from bank account.
National Pension Scheme for Traders and Self Employed Persons Yojana is a government scheme meant for old age protection and social security of Shopkeeper’s, Retail traders and Self Employed persons. PMKYM universal social security scheme to provide Rs. 3,000 p.m to traders and shop owners. This pension amount under PM Karam Yogi Maan Dhan Scheme would be provided on attaining the age of 60 years. Around 3 crore retail traders and shop keepers would be benefited from PM Karmayogi Mandhan Yojana in India.
India has rich tradition of trade and commerce, so govt. is primarily focusing on traders betterment which is essential for India’s economic growth. This PM Karam Yogi Maandhan Scheme will ensure social security of small shop owners whose annual turnover is below Rs. 1.5 crore. The primary objective of PM Traders Pension Scheme 2024 is to ensure robust architecture of universal social security.
National Pension Scheme for Traders Apply Online
The online registration process for PM Laghu Vyapari Mandhan Yojana (PM Karam Yogi Maandhan Scheme) has been started at maandhan.in/vyapari. Now people can apply online for PM Laghu Vyapari Maan-dhan Yojana from any common service centre (CSC) or can perform self enrollment. The complete process to apply for PMLVMY scheme is given below:-
STEP 1: Firstly visit the official website at https://maandhan.in/
STEP 2: At the homepage, go to “Services” section and click “New Enrollment” link or directly click https://maandhan.in/maandhan/login
STEP 3: Then a new page for self enrollment or CSC VLE will appear as shown below:-
STEP 3: Here people can choose process of registration either “Self Enrollment (using mobile number & OTP)” or “CSC VLE (using CSC connect)” to apply online
STEP 4: For Self Enrollment process, the applicants will have to make login as shown below:-
STEP 5: Enter your mobile number and click “Proceed” button. Then enter OTP received on registered mobile number and click at “Proceed” button. Then PM shram yogi mandhan yojana dashboard will open. Next go to “Service” section and click “Enrollment” link.
STEP 6: A pop up will open containing the name of schemes – Pradhan Mantri Kisan Maandhan Yojana, PM Shram Yogi Maandhan Yojana and National Pension Scheme for Traders & Self Employed Persons Yojana.
STEP 7: Select ‘scheme name‘ to open the subscriber enrollment form for National pension scheme for traders & self employed persons yojana:-
STEP 8: Enter complete details accurately to avail pension scheme benefits under PM Karam yogi maandhan scheme.
The PMLVM form PDF then can be verified online and e-registration process will curb corruption and result in fast implementation of this National Pension Scheme for retail traders and small shopkeepers. The complete nomination process for National Pension Scheme for traders takes just 3 to 5 minutes.
PM Karam Yogi Mandhan Yojana Apply Offline at CSCs
All the interested people can even enrol themselves for Pradhan Mantri Karmayogi Mandhan Yojana through more than 3,25,000 Common Service Centres (CSCs) spread across the country.
- People can take their aadhaar card along with their savings / Jan-dhan bank account passbook to their nearest common service centers (CSCs).
- At the CSC, your monthly contribution amount would be decided depending on your age.
- Pay your first monthly contribution for PM Laghu Vyapari Maan-dhan Yojana at CSC itself.
- Put your signature on nomination and auto debit mandate.
- Then your Traders Pension Card will get generated. The next contributions would be deducted from the bank accounts itself.
Central govt. is going to make matching contribution in the subscribers account. For example – if person of 29 years age contributes Rs. 100 per month, then central govt. would contribute equal amount as subsidy into subscribers pension account every month.
Salient Features of National Pension Scheme for Traders
Pradhan Mantri Karam Yogi Maandhan Scheme has been launched to cover all small shopkeepers and traders with turnover below Rs. 1.5 crore. Here are the features and highlights of PM Modi Retail Traders & Shopkeepers Pension Scheme:-
- Under PM-KYM Pension Scheme, all shopkeepers, retail traders and self-employed persons would be provided with an assured minimum monthly pension of Rs. 3,000.
- All the traders and small shop owners across the country are entitled for this pension benefits on attaining the age of 60 years.
- All PM Karam Yogi Maan Dhan Scheme beneficiaries must have annual turnover less than Rs. 1.5 crore.
- The age of the Pradhan Mantri Karmayogi Mandhan Yojana beneficiary must lie between 18 to 40 years.
- PM Retail Trader’s Pension Scheme will cover 3 crore small shopkeepers and retail traders.
Documents Required for PM Karam Yogi Mandhan Scheme – PMKYM scheme is based on self-declaration as no documents are required except Aadhaar and bank account.
Eligibility for PM Karma Yogi Mandhan Yojana
The eligibility criteria to become eligible for PM Karam Yogi Maandhan Yojana is described below:-
— Shopkeeper’s, Retail traders and Self Employed persons in the age group of 18 to 40 years are eligible.
— The applicant must not be an existing beneficiary of EPFO, ESIC, NPS, PM-SYM schemes or an income tax payee.
National Pension Scheme for Traders and Self Employed Persons Yojana is a government scheme meant for old age protection and social security of Shopkeeper’s, Retail traders and Self Employed persons.
Need for PM Laghu Vyapari Maan-dhan Yojana
PM Modi has laid a pension architecture for trading community to assure a life of dignity, honour and to provide them with financial security during their old age. This retailers pension scheme named PM Karam Yogi Maan Dhan Scheme is another major welfare step for the betterment of traders, small and medium business. Simplification of GST process, Mudra loans, easy business loans upto Rs. 1 crore are some of the other welfare measures for retail traders and small shop keepers.
Pension Chart for PM Laghu Vyapari Maandhan Yojana
| Entry Age (Yrs) (A) | Superannuation Age (B) | Member’s monthly contribution (Rs) (C) | Central Govt’s monthly contribution (Rs) (D) | Total monthly contribution (Rs) (Total = C + D) |
|---|---|---|---|---|
| 18 | 60 | 55.00 | 55.00 | 110.00 |
| 19 | 60 | 58.00 | 58.00 | 116.00 |
| 20 | 60 | 61.00 | 61.00 | 122.00 |
| 21 | 60 | 64.00 | 64.00 | 128.00 |
| 22 | 60 | 68.00 | 68.00 | 136.00 |
| 23 | 60 | 72.00 | 72.00 | 144.00 |
| 24 | 60 | 76.00 | 76.00 | 152.00 |
| 25 | 60 | 80.00 | 80.00 | 160.00 |
| 26 | 60 | 85.00 | 85.00 | 170.00 |
| 27 | 60 | 90.00 | 90.00 | 180.00 |
| 28 | 60 | 95.00 | 95.00 | 190.00 |
| 29 | 60 | 100.00 | 100.00 | 200.00 |
| 30 | 60 | 105.00 | 105.00 | 210.00 |
| 31 | 60 | 110.00 | 110.00 | 220.00 |
| 32 | 60 | 120.00 | 120.00 | 240.00 |
| 33 | 60 | 130.00 | 130.00 | 260.00 |
| 34 | 60 | 140.00 | 140.00 | 280.00 |
| 35 | 60 | 150.00 | 150.00 | 300.00 |
| 36 | 60 | 160.00 | 160.00 | 320.00 |
| 37 | 60 | 170.00 | 170.00 | 340.00 |
| 38 | 60 | 180.00 | 180.00 | 360.00 |
| 39 | 60 | 190.00 | 190.00 | 380.00 |
| 40 | 60 | 200.00 | 200.00 | 400.00 |
National Pension Scheme for Traders & Self Employed Persons Benefits
The benefits of National Pension Scheme for traders, small shopkeepers and self employed persons are as follows:-
- Each beneficiary to get an assured monthly pension of Rs. 3,000 per month on attainment of 60 years of age.
- NPS for traders & self employed persons is a voluntary contribution scheme for traders, retailers, small shopkeepers.
- Central govt. will also pay an equal amount of contribution.
- The monthly contribution amount will range from Rs. 55 to Rs. 200 as per the age of applicant.
- The pension amount would be provided through Life Insurance Corporation (LIC) of India.
In order to avail benefits, all the vyaparis are advised to fill the form at nearest CSCs or through official website at maandhan.in/vyapari. All the small shopkeepers and retail traders with annual turnover less than Rs. 1.5 crore would be its beneficiaries.
References for PM Laghu Vyapaari Mandhan Yojna
— In case of any query, applicants can call on toll free number at 1800 267 6888 or can send an e-mail at vyapari@gov.in or shramyogi@gov.in
— For more details, visit the official website at https://maandhan.in/