🏦 Bank, insurance & pension · Ministry of Labour & Employment
Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM)
Pension for unorganised workers such as domestic workers, drivers, vendors and labourers.
What you get
₹3,000 pension every month after age 60
🔗 Direct official links
These open the government website in a new tab. Applying there is free; never pay anyone for a form.
✅ Benefits
- Assured pension of ₹3,000 a month from 60.
- You pay ₹55 to ₹200 a month depending on age; the government matches it.
- Spouse gets half the pension after the worker's death.
👤 Who can apply
- Unorganised workers aged 18 to 40.
- Monthly income of ₹15,000 or less.
📄 Documents needed
- Aadhaar card
- Savings bank account with IFSC
- Mobile number
📝 How to apply
- Visit a Common Service Centre (CSC) or self-enrol on maandhan.in.
- Verify with Aadhaar and set up auto-debit.
- Pay the first contribution in cash at the CSC and collect your Shram Yogi pension card.
Benefits in detail
- Assured pension of ₹3,000 a month from 60.
- You pay ₹55 to ₹200 a month depending on age; the government matches it.
- Spouse gets half the pension after the worker's death.
Who can apply
- Unorganised workers aged 18 to 40.
- Monthly income of ₹15,000 or less.
Who is not eligible
- Members of EPFO, ESIC or NPS.
- Income tax payers.
Documents needed
- Aadhaar card
- Savings bank account with IFSC
- Mobile number
How to apply, step by step
- Visit a Common Service Centre (CSC) or self-enrol on maandhan.in.
- Verify with Aadhaar and set up auto-debit.
- Pay the first contribution in cash at the CSC and collect your Shram Yogi pension card.
Last checked against the official website: 26 Sept 2026
Amounts and rules can change. The official website is always final. YojanaHelper is an independent guide, not a government website.
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