Pradhan Mantri Shram Yogi Maan-dhan

Pradhan Mantri Shram Yogi Maan-dhan provides reliable old-age income security to unorganized workers across India. This voluntary, contributory pension scheme helps informal sector employees by ensuring a monthly pension of ₹3,000 after they reach 60 years of age, supported by matching government contributions. Registration remains open for eligible workers in 2026.

As per the latest data, more than 54 lakh workers have joined the scheme so far, with women making up over 53% of the subscribers. The Central Government has contributed more than ₹2,011 crore as its matching share, showing how widely the scheme has been accepted among informal workers.

Pradhan Mantri Shram Yogi Maan-dhan - Introduction

Pradhan Mantri Shram Yogi Maan-dhan acts as a main part of financial independence among unorganized sector workers. This scheme helps you secure your retirement by providing a monthly pension once you turn 60. By joining this contributory framework, you and the Central Government contribute equally toward your future, making sure you receive a steady income during your golden years. It is managed by the Life Insurance Corporation of India (LIC) through the network of Common Service Centers (CSC) to keep access easy for all.

The scheme was launched in February 2019 and continues to run as a central sector scheme. It is administered by the Ministry of Labour and Employment and implemented through LIC and CSC eGovernance Services India Limited. Workers such as street vendors, rickshaw pullers, domestic workers, construction labourers, agricultural workers, hawkers and home-based workers can all join it.

Because the scheme is voluntary, you decide whether to join. Once you join, both you and the government put in money every month. This builds a pension fund that pays you a fixed amount after 60 years of age.

Key Information

Benefits

When you enroll in this scheme, you enjoy a minimum assured pension of ₹3,000 every month once you turn 60. This pension supports you for your entire lifetime.

Family pension provisions make sure that if you pass away after your pension starts, your spouse receives 50% of your pension amount as a monthly payment. Additionally, the Central Government matches your monthly contribution equally, doubling your savings.

If you face unforeseen circumstances before turning 60, your spouse has the option to either continue paying into the scheme to keep the benefits active or withdraw the collected contributions along with the accumulated interest.

Eligibility

Before you apply, check whether you meet the conditions given below:

• You should be an unorganized worker who is not covered by any other formal pension scheme.
• You should be between 18 and 40 years of age at the time of joining.
• Your monthly income should be ₹15,000 or less.
• You must have a savings bank account or a Jan-Dhan account.
• You should have a valid Aadhaar number.
• You should not be an income tax payer.
• You should not currently be covered under EPFO, ESIC, or NPS.

Application Process

You can start your journey toward retirement security by following these simple steps:

STEP 1 - Collect all required documents listed in the requirements section below.

STEP 2 - Visit your nearest Common Service Center (CSC) to complete the biometric verification.

STEP 3 - Provide your Aadhaar details, bank account information, and mobile number to finish the self-certification process.

STEP 4 - Pay your first month's contribution in cash at the center. Future monthly payments will run through auto-debit from your bank account.

You may also register online through the official portal at maandhan.in or through the UMANG app by visiting the UMANG department page. You can also self-register using your Aadhaar number and savings bank or Jan-Dhan account number on a self-certification basis.

If you face any issues, you can call the toll-free number 1800 267 6888, which is available 24/7 for your support.

Documents

To complete your enrollment, please keep the following documents ready:

• Aadhaar Card
• Savings bank account passbook or Jan-Dhan account passbook
• Active mobile number
• Self-certification document provided at the time of your enrollment

References

For deeper insights and official guidelines, please visit the official Maandhan portal of the Ministry of Labour and Employment. You can also read the official scheme PDF from PIB and the CSC FAQ document for more details.

FAQ's

What is the Pradhan Mantri Shram Yogi Maan-dhan?

It is a voluntary, contributory pension scheme designed for unorganized sector workers to provide financial security in old age.

Who is eligible to apply for this scheme?

Any unorganized worker aged 18 to 40 years, earning up to ₹15,000 per month, can join the scheme.

How much pension will I receive?

You are entitled to a guaranteed ₹3,000 monthly pension after you attain the age of 60.

Does the government contribute to my pension?

Yes, the Central Government contributes an amount equal to your monthly contribution, matching your savings.

Is having an Aadhaar card mandatory?

Yes, an Aadhaar number is required for successful enrollment into the scheme.

Can I use my Jan-Dhan account?

Yes, you can certainly use your Jan-Dhan bank account for your contributions.

Is the scheme voluntary?

Yes, enrollment in the scheme follows a fully voluntary framework.

What happens to my pension if I pass away after 60?

Your spouse will become eligible to receive 50% of your pension as a monthly family pension.

What if a subscriber passes away before reaching 60?

Your spouse may choose to keep the scheme active by continuing the contributions, or they may withdraw the total amount with the accumulated interest.

Can I pay for missed contributions later?

Yes, you can regularize your missed payments by clearing the outstanding dues along with the simple penalties applied.

Is an online registration process available?

Yes, you can easily register online through the official portal at maandhan.in or through the UMANG app.

Who handles the funds under this scheme?

The Life Insurance Corporation of India (LIC) manages the pension fund.

Where should I go to enroll?

You can visit your nearest Common Service Center (CSC) to apply with your documentation.

Are those already in EPFO or ESIC eligible?

No, if you are currently covered under EPFO or ESIC, you are not eligible for this pension scheme.

How do I locate the nearest CSC center?

You can find your nearby center through the CSC locator available on the official Maandhan portal.