Schemes / Government of India
Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM)
Central schemeUnorganised workerSenior citizen
A voluntary, contributory pension scheme for unorganised workers. The government matches the worker's monthly contribution.
What you get
An assured pension of ₹3,000 a month from age 60. Monthly contributions of roughly ₹55–₹200 depending on entry age are matched equally by the Centre, and the spouse gets a family pension.
Who can apply
- Unorganised workers aged 18–40 with monthly income of ₹15,000 or less
- Not covered by EPFO, ESIC or NPS (government-funded) and not an income-tax payer
How to apply
- Enrol at a Common Service Centre or on maandhan.in with Aadhaar and a savings account
- Contributions are auto-debited from the bank account every month
Documents usually needed
- Aadhaar
- Savings bank account / Jan Dhan account
Nodal authority: Ministry of Labour and Employment. Amounts and rules change — the official page is the final word.