> ## Content Index > Fetch the complete content index at: https://newsanek.com/llms.txt > Use this file to discover other available public pages before exploring further. # PM Shram Yogi Maandhan: Rs 3,000 monthly pension after 60 for unorganised workers - URL: https://newsanek.com/pm-shram-yogi-maandhan/ - Published: 2026-11-07T04:32:43.000Z - Updated: 2026-11-07T15:20:16.000Z - Description: PM-SYM guarantees a Rs 3,000 monthly pension after age 60. You pay a small monthly amount, and the government adds an equal share. Here is who qualifies and how to join. - Author: Kumar Ujjwal - Tags: Govt Schemes, #scheme-labour, #scheme-for-worker, #scheme-all-india Here is the whole scheme in one place: what you get, who qualifies, how to apply, and what to check. __At a glance__ | Scheme | Pradhan Mantri Shram Yogi Maandhan (PM-SYM) | | ---------------------- | ------------------------------------------------------------------------ | | Ministry or Department | Ministry of Labour and Employment, Govt of India | | Benefit | Minimum assured pension of Rs 3,000 a month after age 60 | | Who can apply | Unorganised workers aged 18 to 40 earning up to Rs 15,000 a month | | How it is paid | Your contribution is auto-debited, and the government matches it equally | | Apply at | maandhan.in, a Common Service Centre (CSC) or through e-Shram | | Cost to apply | Free to register, with a monthly contribution of Rs 55 to Rs 200 | ### Key points - Monthly pension of Rs 3,000 after age 60, guaranteed. - You contribute Rs 55 to Rs 200 a month, based on your entry age. - The government adds an equal amount to your pension fund. - Aadhaar linked bank account is needed to join. ## So what exactly do you get? After you turn 60, you get a minimum pension of Rs 3,000 every month. If you die before that, your spouse gets half of it, which is Rs 1,500 a month, as family pension. If you leave the scheme early, your amount comes back with interest. Amounts and rules can change, so please confirm the latest figures on the official site. ## Who can apply, and who cannot? You must be an unorganised worker aged between 18 and 40 years. Your monthly income must be below Rs 15,000. People who are members of EPFO, ESIC or NPS cannot join. People who pay income tax on their returns are also not eligible. Common jobs covered include street vendors, rag pickers, domestic workers, construction labourers, beedi workers and agricultural labourers. ## A short background, and why it matters The scheme was launched by the Ministry of Labour and Employment on 15 February 2019. It was started for the large unorganised workforce, which has no regular employer pension. The contributions are managed with LIC as the pension fund manager. ## What documents should you keep ready? Keep your Aadhaar card and the mobile number linked with it. Keep a savings, Jan Dhan or post office bank account for auto-debit. Keep passport size photographs ready. ## How do you apply online, step by step? Go to maandhan.in and choose the option to register. Fill in your Aadhaar, mobile number, bank details and occupation. Choose your entry age, pay the first month's contribution, and select an auto-debit date. Your PM-SYM card and registration number will follow. Keep them safe. How to apply for PM-SYM online 1. *1* **Visit maandhan.in**Go to the official site and choose the option to register. 2. *2* **Fill in your details**Enter your Aadhaar, mobile number, bank details and occupation. 3. *3* **Choose entry age and pay**Choose your entry age, pay the first month's contribution and select an auto-debit date. 4. *4* **Keep your card safe**Your PM-SYM card and registration number will follow. Keep them safe. Graphic: News Anek, from the facts in this report ## Can you apply offline, at a centre? Yes, you can visit a Common Service Centre near your home. The operator will help you fill the form and make the first payment. Take your Aadhaar and bank passbook with you. ## How do you check your status, and what if it is stuck? Check your account on the maandhan.in portal using your registration number. If contributions are missed, the pension needs to be regularised by paying the dues. Do not pay any agent or middleman. Join only through the official portal or a CSC. ## Frequently asked questions ### What happens if I die before 60? Your spouse can continue the scheme or withdraw your share with interest. Family pension of half the pension is payable to the spouse after 60 if the scheme continues. ### Can I leave the scheme early? Yes. Before 10 years, your share is returned with bank interest. After 10 years, the return is at the higher of the fund rate or the bank rate. ### Is there a fee to register? Registration is free. You only pay your monthly contribution through auto-debit. ### Can I join if I am already in NPS? No. Members of NPS, EPFO or ESIC are not eligible for PM-SYM. ### Who pays the other half of the contribution? The central government pays an equal share, so your contribution is matched 50:50 until you turn 60. ### Official links - [Official website](https://maandhan.in/?ref=newsanek.com) - [e-Shram portal](https://eshram.gov.in/?ref=newsanek.com) This guide is based on official scheme rules. Rules and amounts can change, so always confirm on the official website before you apply. News Anek is not a government website.