Pradhan Mantri Shram Yogi Maandhan (PM-SYM) unorganised workers ke liye voluntary and contributory pension scheme hai. Ministry of Labour ke official FAQ ke अनुसार 18–40 years age group aur monthly income ₹15,000 ya usse kam wale eligible workers scheme join kar sakte hain. Age 60 ke baad assured ₹3,000 per month pension ka benefit scheme design ka key feature hai.
PM-SYM Quick Details
| Feature | Detail |
|---|---|
| Entry Age | 18–40 years |
| Monthly income | ₹15,000 or less |
| Pension after 60 | ₹3,000 per month |
| Contribution | Entry age ke hisaab se ₹55–₹200/month |
| Government contribution | Subscriber contribution ke equal matching contribution |
| Enrollment | Common Service Centre (CSC) / official process |
| Key exclusions | NPS/ESIC/EPFO covered worker or income-tax payer generally eligible nahi |
Who is an unorganised worker?
Official examples me home-based workers, street vendors, head-loaders, brick-kiln workers, cobblers, rag pickers, domestic workers, washermen, rickshaw pullers, landless labourers, agricultural workers, construction workers, beedi workers, handloom/leather workers aur similar occupations include kiye gaye hain.
Eligibility
- Age 18–40 years at entry.
- Monthly income ₹15,000 or less.
- Unorganised sector worker.
- NPS, ESIC ya EPFO statutory social security coverage me member nahi hona chahiye as per scheme criteria.
- Income-tax payer nahi hona chahiye.
- Aadhaar and savings bank / Jan Dhan account details required for enrollment.
Contribution kitna hota hai?
Contribution entry age ke according fixed hota hai. Younger age par monthly contribution lower hota hai; official ministry material contribution range approximately ₹55 se ₹200 per month batata hai. Central Government equal matching contribution karti hai.
Registration kaise karein?
- Nearest Common Service Centre (CSC) visit karein.
- Aadhaar aur bank account/passbook details le jayein.
- Mobile number provide karein.
- Operator eligibility details fill karega.
- First contribution pay karein.
- Mandate/auto-debit setup complete karein.
- Pension account / card details safely save karein.
Important Points
- Long-term contribution continuity important hai.
- Bank account active rakhein.
- Occupation/income eligibility me major change ho to scheme rules check karein.
- Nominee/spouse details accurate rakhein.
Official / Reference Sources
Frequently Asked Questions (FAQ)
PM-SYM pension kitni hai?
Age 60 ke baad eligible subscriber ko ₹3,000 per month assured pension ka scheme provision hai.
Eligibility age kya hai?
18 se 40 years.
Monthly contribution kitna hai?
Entry age ke hisaab se roughly ₹55–₹200/month; government equal matching contribution karti hai.