Pradhan Mantri Shram Yogi Maandhan Yojana (PMSYM) 2026: ₹3,000 Monthly Pension for Unorganized Workers

Pradhan Mantri Shram Yogi Maandhan Yojana (PMSYM) is accepting online applications for unorganized sector workers at maandhan.in. Under this pension scheme, the central government provides ₹3,000 per month as pension to all informal workers after they turn 60. Before enrolling, check the PM Shram Yogi Maandhan Yojana apply online process, pension chart of contribution, eligibility criteria, beneficiaries and complete details.

This is a voluntary and contributory pension scheme run by the Ministry of Labour and Employment. Workers aged 18 to 40 years with a monthly income up to ₹15,000 can join it. The government matches the subscriber contribution on a 50:50 basis, and after the age of 60 the worker gets a fixed monthly pension of ₹3,000 for life.

PM Shram Yogi Maandhan Yojana 2026

PM Shram Yogi Maandhan (PMSYM) scheme was launched on 15 February 2019 for the welfare of unorganized sector workers. Under this scheme, workers have to make a fixed monthly contribution which is matched by an equal amount from the central government. The contribution amount depends on the age at which a worker joins the scheme.

The scheme covers workers such as rickshaw pullers, rag pickers, street vendors, domestic workers, construction labourers and other small scale workers. More than 50 lakh subscribers have already enrolled in the scheme. The official portal maandhan.in is the only authorized channel to apply, and the government does not charge any fee for the application.

For the huge workforce in India, the central government runs this pension scheme to provide old age protection to unorganized sector workers. Just like the social security schemes for employees of the organized sector, PMSYM gives a regular pension after retirement to informal workers.

Detail	Information
Scheme Name	Pradhan Mantri Shram Yogi Maandhan Yojana (PMSYM)
Launched By	Government of India
Beneficiaries	Unorganized sector workers
Benefit Amount	₹3,000 monthly pension after age 60
Contribution	₹55 to ₹200 per month
Application Mode	Online at maandhan.in or through CSC
Official Website	maandhan.in

PM Shram Yogi Maandhan Yojana Online Registration / Application Form

Below is the complete procedure to make online registration for PM Shram Yogi Maandhan Yojana 2026:-

STEP 1 - Visit the official PM Shram Yogi Maandhan Yojana portal at maandhan.in or go to your nearest Common Service Center (CSC) with the required details.

STEP 2 - On the homepage, click on the "Click Here to Apply Now" link as shown below:-

STEP 3 - You will be directed to the "Digitalseva Connect" portal, which is operated by the Common Service Center operator.

STEP 4 - The CSC will enroll the beneficiary and the installment will be calculated on the basis of the age criteria. The first installment is deducted through the CSC wallet and the subscriber has to pay in cash.

STEP 5 - After making the successful payment, an online Shram Yogi Pension Number is generated. An acknowledgement cum debit mandate is also generated for the beneficiary's signature.

STEP 6 - The Common Service Center scans and uploads the signed debit mandate of the beneficiary. Then the CSC prints and hands over the Shram Yogi Card to the beneficiary.

STEP 7 - After confirmation from the bank, the mandate debit gets activated along with an SMS communication to the beneficiary. The complete process to apply online for PM Shram Yogi Maandhan Yojana is shown below:-

In case of any query, candidates can call the toll free number at 1800-2676-888 or 14434. The scheme is run by the Ministry of Labour and Employment under Union Minister Dr. Mansukh Mandaviya.

Eligibility Criteria

All the candidates who want to register or apply for the PMSYM scheme must check the eligibility first. The candidates must fulfill the following minimum eligibility criteria to become eligible for PM Shram Yogi Maandhan Yojana (PM-SYM):-

A) All the beneficiaries must belong to 18 to 40 years of age.

B) The income of the candidate must be less than ₹15,000 per month and the person must be working in the unorganized sector.

C) The person must not be an income tax payer.

D) Applicants must not be engaged in the organized sector with membership of Employees Provident Fund (EPF), National Pension Scheme (NPS) or Employees State Insurance Corp (ESIC).

E) The applicant must have a savings bank account or a Jan Dhan account with a mobile number linked to it.

F) The person should possess an Aadhaar number.

Age Based Pension Scheme

PMSYM Yojana 2026 is an age based pension scheme which depends on the starting age of the subscriber. A person who joins at 30 years of age has to make a monthly contribution of ₹105 till the age of 60 years. In that case, the individual pays ₹37,800 and an equal amount is contributed by the central government.

This PM Shram Yogi Maandhan Yojana is a large pension scheme aimed at the welfare of unorganized sector workers. So people must inform and guide workers to take advantage of this scheme. With IMPS and other digital payment modes, people may even consider making contributions on behalf of the individuals working for them.

Salient Features of PM Shram Yogi Maandhan Yojana (PM-SYM)

The important features and highlights of this PM Shram Yogi Maandhan Yojana are as follows:-

• Each unorganized sector worker gets a minimum assured pension amount of ₹3,000 per month after the age of 60.
• To get the benefits, the monthly income of the person must not exceed ₹15,000.
• Each worker has to make a contribution of ₹55 to ₹200 per month depending on the age of joining.
• The government matches the subscriber contribution on a 50:50 basis into the pension account.
• Family Pension: If the subscriber dies during the pension period, the spouse gets 50% of the pension as family pension. Family pension is applicable only to the spouse.

Click at the PMSYM Scheme Features PDF at https://labour.gov.in/sites/default/files/PMSYM.pdf to get complete knowledge of the pension scheme for unorganized workers. There is no work experience restriction, which means both freshers who got a job recently and those working for quite some time in the unorganized sector can avail the benefits.

PM Shram Yogi Maandhan Yojana Pension Chart (Subscriber Contribution)

In this pension scheme for unorganized workers, each beneficiary has to make a certain contribution. This voluntary subscriber contribution ranges from ₹55 to ₹200 per month. It depends on the age of joining, as the entry age is 18 years while the maximum age to join is 40 years. The complete PMSYM pension chart can be checked here:-

The amount which any worker has to contribute monthly is based on the age and has to be paid till the age of 60 years (check the pension chart). The same contribution is made to the individual PMSYM account every month. For example, if a person enters the scheme at the age of 29 years, he is required to contribute ₹100 per month till the age of 60 years and an equal amount of ₹100 is contributed by the central government. After attaining the age of 60 years, the government provides a fixed monthly pension of ₹3,000 for the lifetime of the individual.

In case of death during the pension period, the spouse starts getting family pension. This pension amount is equal to half of what was being paid to the individual. On the death of the subscriber and the spouse, the corpus is credited back to the Pension Fund of the government. Now all the people working in the unorganized sector have to make a monthly contribution of ₹55 to ₹200 per month and then the government provides them ₹3,000 monthly pension after retirement.

Who Are Beneficiaries of PM Shram Yogi Maandhan Yojana

The unorganized worker's salary must not be more than ₹15,000 per month and the person can belong to any occupation as described below:-

Home based workers	Street vendors	Mid-day meal workers
Head loaders	Brick kiln workers	Cobblers
Rag pickers	Domestic workers	Washer men
Rickshaw pullers	Landless labourers	Own account workers
Agricultural workers	Construction workers	Beedi workers
Handloom workers	Leather workers	Audio-visual workers

The central government has made a budgetary provision for the successful implementation of the Pradhan Mantri Shram Yogi Maandhan Yojana. The official notification for the scheme can be checked at https://labour.gov.in/sites/default/files/197105.pdf

This is a pension scheme for unorganized sector workers as the central government is committed to the welfare of these employees.

PM Shram Yogi Maandhan Yojana Cards

The PMSYM scheme is voluntary in nature and works on contributions made by the subscribers, which are matched with the contributions from the government on a 50:50 basis. These contributions become higher with the age of the subscribers and the contribution amount for the first month is paid in cash, for which the subscriber is also provided with a receipt. Cards with unique ID numbers are issued to all subscribers of the scheme.

Candidates can make a further visit at www.labour.gov.in for more details about the scheme.

FAQ's

Who can apply for PM Shram Yogi Maandhan Yojana?

Any unorganized sector worker aged 18 to 40 years with a monthly income up to ₹15,000 can apply. The person must not be covered under EPFO, ESIC or NPS.

How much pension is given under PMSYM?

After the age of 60, the beneficiary gets a guaranteed monthly pension of ₹3,000 for life. In case of the death of the subscriber, the spouse gets 50% of the pension as family pension.

How to apply for PM Shram Yogi Maandhan Yojana?

You can apply online at maandhan.in or visit your nearest Common Service Center (CSC) with your Aadhaar card and savings or Jan Dhan bank account details.