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Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM)

An assured pension of Rs 3,000 a month from age 60 for unorganised workers

LabourAll of India

Updated on 16 Oct 2026

What you get

A voluntary, contributory pension scheme of the Ministry of Labour and Employment, with LIC as the pension fund manager. You pay a monthly contribution until you turn 60 and the Government of India adds an equal amount; from 60 you receive an assured pension of Rs 3,000 a month for life. The contribution depends on your age when you join: Rs 55 a month at 18, Rs 65 at 20, Rs 80 at 25, Rs 105 at 30, Rs 150 at 35 and Rs 200 at 40. If the pensioner dies, the spouse receives half the pension as family pension.

Who can apply

Unorganised workers aged 18 to 40 with a monthly income of Rs 15,000 or less - such as street vendors, rag pickers, rickshaw pullers, construction and daily-wage workers, agricultural and beedi workers, domestic workers, weavers, artisans, fishermen and leather workers. You must not be covered by EPF, ESIC or NPS, must not be an income tax payer, and must not be getting benefits from another government pension scheme.

How to apply

Enrol at a Common Service Centre (CSC) - or on the Maandhan portal - with your Aadhaar card and savings bank account details: verify yourself with your Aadhaar biometrics, fill in the online form, pay the first contribution in cash and choose auto-debit from your bank account for the rest. You receive a PM-SYM card when enrolment is complete.

Documents you need

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Published by a FormMantra administrator from its official page, labour.gov.in. Confirm every rule and date there before you apply.
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