PM-SYM

Pradhan Mantri Shram Yogi Maan-dhan

The scheme aims to provide old-age income security by offering monthly pension benefits to unorganized workers and their families.

केंद्रीय नकद

राज्य / केंद्र शासित प्रदेश: All India

मंत्रालय / नोडल: Ministry Of Labour and Employment

योजना किसके लिए: Family

योजना प्रोफ़ाइल

डीबीटी (प्रत्यक्ष लाभ अंतरण): नहीं

श्रेणियाँ: सामाजिक कल्याण और सशक्तिकरण

लक्षित लाभार्थी: व्यक्तिगत

टैग: Pension, Unorganized Workers, Old Age, Family Pension

विवरण

The “Pradhan Mantri Shram Yogi Maan-Dhan (PM-SYM)” by the Ministry of Labour and Employment, Government of India. The scheme aims to provide old-age social security to unorganized workers by offering a minimum assured monthly pension and family pension benefits after attaining 60 years of age, through a voluntary and contributory framework with equal contributions from the beneficiary and the Central Government, along with flexible exit provisions to address uncertainties of unorganized employment. The scheme is implemented by Life Insurance Corporation of India (LIC) through CSC eGovernance Services India Limited (CSC SPV).

लाभ

Minimum Assured Pension
₹3,000per month after attaining 60 years of age
Pension is payable for the lifetime of the subscriber. Family Pension
On the death of the subscriber after pension commencement, the spouse receives 50% of the pension amount
Family pension is applicable only to the spouse. Government Contribution
Equal monthly contribution by the Central Government matches the subscriber’s contribution
Continuation or Exit on Death/Disability Before 60 Years
The spouse may continue the scheme by paying contributions
Alternatively, accumulated contributions with applicable interest may be withdrawn. Mode of Disbursement
Pension is disbursed directly into the beneficiary’s bank account

Minimum Assured Pension

₹3,000 per month after attaining 60 years of age.
Pension is payable for the lifetime of the subscriber.

Family Pension

On the death of the subscriber after pension commencement, the spouse receives 50% of the pension amount.
Family pension is applicable only to the spouse.

Government Contribution

Equal monthly contribution by the Central Government matches the subscriber’s contribution.
Continuation or Exit on Death/Disability Before 60 Years
The spouse may continue the scheme by paying contributions.
Alternatively, accumulated contributions with applicable interest may be withdrawn.

Mode of Disbursement

Pension is disbursed directly into the beneficiary’s bank account.

पात्रता

The applicant should be an unorganized worker.
The applicant should be aged between 18 and 40 years at the time of enrollment.
The applicant's monthly income should not exceed ₹15,000.
The applicant should have a savings bank account or Jan-Dhan account.
The applicant should possess a valid Aadhaar number.
The applicant should not be an income tax payer.
The applicant should not be covered under the Employees’ Provident Fund Organisation (EPFO), Employees’ State Insurance Corporation (ESIC), or National Pension System (NPS).

अपवर्जन

आवेदन प्रक्रिया

Online - via CSC

Step 1: The applicant should gather copies of the necessary documents needed to apply for the concerned scheme.
Step 2: The applicant should visit the nearest Common Service Center (CSC) and complete the Biometric Verification Process.
Step 3: The applicant should provide their Aadhaar number, bank account details, and mobile number and complete self-certification at the CSC.

NOTE:

To find the nearest CSC, please visit locator.csccloud.in
The first month’s contribution should be paid in cash at the CSC.
Subsequent contributions will be auto-debited from the bank account.
Online self-registration through the PM-SYM portal or mobile app is also available.

Grievance Redressal:

Toll-Free Customer Care Number: 1800 267 6888 (Available 24×7).
Complaints can also be registered through the web portal or mobile application.

स्पष्टीकरण

myScheme पर प्रकाशित योजना सूचना से अतिरिक्त बिंदु (कानूनी सलाह नहीं)।

What is PM-SYM?: PM-SYM is a voluntary and contributory pension scheme for unorganized workers.
Who can apply the scheme?: Unorganized workers aged 18 to 40 years with a monthly income of up to ₹15,000 can join the scheme.
What pension amount is provided?: A minimum assured pension of ₹3,000 per month is provided after attaining 60 years of age.
Is government contribution provided?: Yes, the Central Government provides an equal matching contribution to the subscriber.
Is Aadhaar mandatory?: Yes, Aadhaar is mandatory for enrollment under PM-SYM.
Can a Jan-Dhan account be used?: Yes, a Jan-Dhan account can be used for enrollment and contribution.
Is the scheme voluntary?: Yes, enrollment under PM-SYM is completely voluntary.
What happens if the subscriber dies after 60 years?: The spouse is entitled to receive a family pension equal to 50% of the pension amount.
What happens if the subscriber dies before 60 years?: The spouse may continue the scheme by paying contributions or withdraw the accumulated amount with interest.
Can contributions be regularized if missed?: Yes, missed contributions can be regularized by paying outstanding dues with applicable penalties.
Is online enrollment available?: Yes, online enrollment is available through the PM-SYM portal or mobile application.
Who manages the pension fund?: The pension fund is managed by the Life Insurance Corporation of India (LIC).
Where can enrollment be done?: Enrollment can be done at the nearest Common Services Centre (CSC).
Is the scheme applicable to EPFO or ESIC members?: No, workers covered under EPFO or ESIC are not eligible for the scheme.
How can the nearest CSC be found?: The nearest CSC can be located by visiting locator.csccloud.in.

आधिकारिक लिंक

संदर्भ

Guidelines

आवेदन करें

अभी आवेदन करें

Pension Unorganized Workers Old Age Family Pension

आधिकारिक आवेदन या कार्यक्रम पोर्टल नए टैब में खुलता है। संदेह हो तो मंत्रालय की साइट पर विवरण सत्यापित करें।

Documents Required for Government Schemes

Most government schemes require basic documents for verification. While the exact requirements vary, common documents include:

Aadhaar Card
Income Certificate
Caste Certificate (if applicable)
Residence Proof
Bank Account Details
Educational Certificates (for student schemes)

How to Apply for Government Schemes?

The application process for government schemes may be online or offline depending on the scheme. In most cases, you can follow these steps:

Check eligibility criteria
Collect required documents
Fill the application form
Submit the application online or at the relevant office
Track application status

यह पृष्ठ सार्वजनिक व आधिकारिक स्रोतों से योजना सूचना का सार प्रस्तुत करता है। यह कानूनी, वित्तीय या व्यावसायिक सलाह नहीं है; अधूरी या पुरानी हो सकती है; तथा सरकारी अधिसूचनाओं का स्थान नहीं लेती। आवेदन या निर्भरता से पहले पात्रता, लाभ व आवेदन चरण आधिकारिक पोर्टल या परिपत्र पर अवश्य सत्यापित करें।

हिन्दी चुनने पर साइट पर मेनू, बटन, फ़िल्टर और जहाँ उपलब्ध हो श्रेणी नाम हिन्दी में दिखाए जाते हैं। योजना का मुख्य पाठ (शीर्षक, विवरण, पात्रता, दस्तावेज़ आदि) स्रोत की भाषा में रहता है—अक्सर अंग्रेज़ी—जब तक आधिकारिक द्विभाषी या हिन्दी संस्करण उपलब्ध न हो।