Applications openCentral Government
Pradhan Mantri Shram Yogi Maandhan (PM-SYM) — Rs 3,000 monthly pension for unorganised workers
Government of India (Ministry of Labour and Employment)
Overview
A pension scheme giving old-age social security to unorganised sector workers such as street vendors, construction workers and domestic workers. It guarantees a minimum pension of Rs 3,000 a month after age 60.
Members contribute a small, age-based amount of Rs 55 to Rs 200 a month, and the government contributes an equal amount. If the pensioner dies, the spouse receives half the pension (Rs 1,500 a month). If the member dies before 60, the spouse can continue the scheme by contributing.
Workers aged 18 to 40 earning Rs 15,000 a month or less can enrol at a nearby Common Service Centre (CSC) with Aadhaar and a bank account.
At a glance
- Administering authority
- Government of India (Ministry of Labour and Employment)
- Scheme type
- Social Security, Senior Citizens
- Place of posting / area
- All India
- Application mode
- Online and offline
- Important dates
- Applications accepted year-round
Benefits
- Lifelong pension of at least Rs 3,000 a month after 60
- Government matches your monthly contribution
- Family pension of Rs 1,500 a month (50%) to the spouse if the pensioner dies
- Spouse can continue the scheme if the member dies before 60
- Voluntary exit with your contribution plus applicable interest/returns
- Age-based monthly contribution of only Rs 55 to Rs 200
Eligibility
- Unorganised sector worker (e.g. street vendor, construction worker, domestic worker)
- Age 18 to 40 at enrolment
- Monthly income of Rs 15,000 or less
- Valid Aadhaar linked to a mobile number
- Active savings bank or Jan Dhan account
- Not covered by another statutory social security scheme such as EPFO, ESIC or NPS
- Not an income-tax payer
Required documents
- Aadhaar (linked to mobile number)
- Savings bank or Jan Dhan account details
How to apply
- Visit the nearest Common Service Centre (CSC) or enrol online through an authorised portal
- Provide your Aadhaar number and bank/Jan Dhan account details
- Give your name, age, address and occupation
- The monthly contribution is calculated automatically from your age
- Pay the first contribution at enrolment
- Set up monthly auto-debit from your bank account
- Receive your PM-SYM card and account details after registration
Last updated: 1 Nov 2026
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