💼 Pradhan Mantri Shram Yogi Maandhan Yojana 2025 – Get ₹3,000 Monthly Pension for Workers
India is a nation with a large population where millions of people earn their livelihood through daily wage work, small businesses, and unorganized sector jobs. To provide financial security to such workers, especially in their old age, the Central Government has launched a special social security pension scheme known as Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM).
Under this scheme, eligible unorganized sector workers can receive a monthly pension of ₹3,000 after the age of 60. Both the worker and the government contribute equally to this pension fund, making it a secure and beneficial investment for the future.
🧾 Objective of the Scheme
The main goal of the Pradhan Mantri Shram Yogi Maandhan Yojana is to provide financial security during old age to workers from the unorganized sector.
Most workers depend solely on their daily income for survival. However, once they grow older, their ability to work declines, leading to loss of income. To prevent such hardship, this pension acts as a lifelong financial support system for them.
👨🏭 Who is Eligible?
To benefit from the Pradhan Mantri Shram Yogi Maandhan Yojana, applicants must meet the following eligibility criteria:
| Eligibility Criteria | Details |
|---|---|
| Age Limit | Between 18 to 40 years |
| Income Limit | Monthly income below ₹15,000 |
| Sector | Unorganized sector workers only |
| Tax Payer | Income tax payers are not eligible |
| Other Schemes | Not a member of EPFO, ESIC, or NPS |
| Required Documents | Aadhaar card, Bank account, Mobile number |
💸 Monthly Contribution Details
Workers need to deposit a small monthly contribution to join the scheme. The amount depends on the worker’s age at the time of joining. The Government contributes the same amount as the worker to the pension fund.
| Age of Worker | Monthly Contribution | Government’s Contribution |
|---|---|---|
| 18 years | ₹55 | ₹55 |
| 25 years | ₹80 | ₹80 |
| 35 years | ₹150 | ₹150 |
| 40 years | ₹200 | ₹200 |
After turning 60 years old, the beneficiary receives a ₹3,000 monthly pension, i.e., ₹36,000 annually.
💰 Major Benefits of the Scheme
- ✅ Monthly pension of ₹3,000 after 60 years of age.
- ✅ Equal contribution by the government.
- ✅ Pension is directly credited to the bank account.
- ✅ In case of the beneficiary’s death, the spouse receives 50% family pension.
- ✅ Fully government-backed pension fund — zero investment risk.
- ✅ Simple online enrollment through Aadhaar-based registration.
📋 How to Apply for PM-SYM Scheme?
You can apply both online and offline under this pension scheme.
🔹 Online Method:
- Visit the official website: https://maandhan.in
- Select “Pradhan Mantri Shram Yogi Maandhan Yojana.”
- Click on “Self Enrollment.”
- Enter your Aadhaar number and bank details.
- Verify OTP on your registered mobile number.
- Choose your contribution amount and complete the registration.
🔹 Offline Method:
- Visit your nearest Common Service Centre (CSC).
- Submit documents like Aadhaar, bank passbook, and a passport-size photo.
- CSC operator will complete your registration process.
- You will receive a unique pension ID and acknowledgment slip instantly.
📑 Required Documents
| Document | Purpose |
|---|---|
| Aadhaar Card | Identity verification |
| Bank Passbook | Pension money transfer |
| Mobile Number | OTP verification and updates |
| Photograph | Registration proof |
🕐 When Does the Pension Start?
Once you start making regular monthly contributions, you will become eligible to receive a pension of ₹3,000 per month after you turn 60 years old.
The pension amount will be directly credited to your bank account every month, ensuring a consistent income during retirement.
⚖️ Family Pension Benefits
If the pensioner passes away, their spouse becomes eligible for a 50% family pension, amounting to ₹1,500 per month.
This feature ensures that the family continues to receive financial support even after the worker’s demise.
🌟 Key Features of PM-SYM
- 🌿 Long-term saving and retirement protection.
- 📲 Aadhaar-based digital registration system.
- 💬 Free registration through CSC centers.
- 🧾 Transparent and simple process with no paperwork hassles.
- 🔒 100% Government of India guaranteed scheme.
🔔 Important Tips
- Ensure your bank account is linked with Aadhaar before applying.
- Always pay your monthly contribution on time to avoid lapse.
- Apply only through the official website or authorized CSC centers — avoid fake links.
🔍 Quick Overview
| Feature | Details |
|---|---|
| Scheme Name | Pradhan Mantri Shram Yogi Maandhan Yojana |
| Benefit | ₹3,000 Monthly Pension |
| Eligible Age | 18–40 years |
| Pension Starts From | 60 years of age |
| Contribution | ₹55 to ₹200 (based on age) |
| Application Mode | Online / Offline (CSC Centers) |
| Official Website | www.maandhan.in |
Application Link
💬 Final Words
The Pradhan Mantri Shram Yogi Maandhan Yojana is a revolutionary pension scheme designed for India’s unorganized sector workers. It aims to provide financial protection during old age, ensuring that no worker has to struggle without income after retirement.
If you belong to the unorganized sector — such as daily wage laborers, domestic workers, drivers, tailors, vendors, or small artisans — this is your opportunity to secure your future. Apply today and take the first step toward a stress-free retirement!
