Pradhan Mantri Shram Yogi Maandhan (PM-SYM)
A guaranteed pension of ₹3,000 a month after age 60, with the government matching every rupee you put in
This is a voluntary pension for unorganised sector workers. You put in a small amount every month and the government puts in the same amount alongside it. After you turn 60 you receive a guaranteed pension of ₹3,000 every month for life. The younger you join, the smaller your monthly contribution is.
Who can apply
- Unorganised sector worker
- Not a member of EPFO, ESIC or NPS
- Not an income tax payer
- Has a savings bank account and Aadhaar
Who cannot apply
- Workers covered by EPFO, ESIC or NPS
- Income tax payers
What to take with you
- Aadhaar card
- Savings bank account or Jan Dhan account passbook
- Mobile number
How to apply
Enrol at maandhan.in, or take your Aadhaar and bank passbook to a Common Service Centre, where the operator will register you and set up the monthly contribution.
Rejected or still waiting? Check these first
Most applications fail for a correctable reason, not because the applicant was ineligible. Before assuming you do not qualify, check each of these:
- Worker is already covered under EPFO, ESIC or NPS
- Monthly contribution stops because the bank account does not have enough balance
- Aadhaar and bank account details do not match
Still stuck after checking all of these? Tell us what happened and we will help you work out which office to approach.