Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme)
Guaranteed minimum pension of ₹3,000 per month after age 60 with 50% matching government co-contribution supporting beneficiaries across All India.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
₹350 Crore annual central matching pension contribution outlay
Official Budget Document ↗Over 50 Lakh unorganized workers enrolled under PM-SYM
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Unorganized worker aged 18-40 with monthly income <= ₹15,000 not covered by formal pension schemes.
Required Documents Checklist
Verify readiness before applying for Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme). Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(2)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme)?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
🔒 Secure Razorpay Checkout • 100% Independent
Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Visit any Common Services Centre (CSC) with Aadhaar and savings bank passbook.
- 2
Village Level Entrepreneur (VLE) calculates monthly auto-debit contribution.
- 3
First installment paid in cash; instant Shram Yogi Pension Card generated with auto-debit mandate.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Monthly income exceeding ₹15,000, covered under EPFO/NPS/ESIC, or income tax payee.
Official Government Application Portal
You will be redirected to the secure official portal: maandhan.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
What happens if the pensioner dies after age 60?
The spouse is entitled to receive 50% of the pension (₹1,500/month) as family pension for life.
Source: Official Scheme FAQ ↗Who is eligible to apply for Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme)?
Eligible applicants must satisfy official government criteria for Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme). Age: min 18 max 40 years. Annual family income ceiling: ₹1,80,000. Conditions: Unorganized worker aged 18-40 with monthly income <= ₹15,000 not covered by formal pension schemes..
Source: Official Scheme FAQ ↗What are the key benefits provided under Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme)?
Under official guidelines for Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme), beneficiaries are entitled to: Guarantees a lifelong monthly pension of ₹3,000 to unorganized workers upon reaching 60 years of age. The worker contributes a modest ₹55 to ₹200 per month (depending on entry age between 18-40), matched equally (50:50) by the Central Government.
Source: Official Scheme FAQ ↗How do I apply for Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme)? What is the official process?
To apply for Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme), applicants should follow the official procedure: 1. Visit any Common Services Centre (CSC) with Aadhaar and savings bank passbook. 2. Village Level Entrepreneur (VLE) calculates monthly auto-debit contribution. 3. First installment paid in cash; instant Shram Yogi Pension Card generated with auto-debit mandate.
Source: Official Scheme FAQ ↗Can I track my Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme) application status?
Application status for Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme) can typically be tracked through the official portal at maandhan.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme) payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme) benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Monthly income exceeding ₹15,000, covered under EPFO/NPS/ESIC, or income tax payee.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | cs | Official Source ↗ |
| 2026-10-06 | short_description | Guaranteed minimum pension of ₹3,000 per month after age 60 with 50% matching government co-contribution supporting beneficiaries across All India. | Official Source ↗ |
| 2026-09-26 | initial_verification | Baseline verification of Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Scheme) guidelines, benefits, and portal integration. | Official Source ↗ |
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Application Window & Deadlines
Continuous enrollment at all 4+ Lakh CSC centres nationwide
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 23d ago from .gov.in source
Requires documentation or office visit
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📅Scheme Milestone Timeline
Guaranteed minimum pension of ₹3,000 per month after age 60 with 50% matching go...
Official Source ↗Baseline verification of Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM Pension Sch...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
PM-SYM Directorate, Life Insurance Corporation of India (LIC) / MoLE
Yogakshema, Jeevan Bima Marg, Mumbai 400021
Helpline: 022-66598000
Jurisdiction: Central (All India)Notice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-09-26 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.