Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) Scheme 2025: Online Registration, Eligibility, Benefits & Full Guide

The Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) scheme, launched by the Government of India, is a landmark initiative aimed at providing social security and old-age protection to unorganized sector workers in India. Introduced on February 15, 2019, under the aegis of the Ministry of Labour and Employment, this voluntary and contributory pension scheme targets approximately 42 crore workers in India’s unorganized sector, such as street vendors, rickshaw pullers, domestic workers, cobblers, rag pickers, and other informal workers. The scheme ensures financial stability for these workers in their retirement years by offering a guaranteed monthly pension of ₹3,000 after the age of 60. As of 2025, the PM-SYM scheme has gained significant traction, with increased budget allocations and widespread enrollment across the country.

This comprehensive guide explores every facet of the PM-SYM scheme in 2025, including its objectives, eligibility criteria, benefits, online registration process, contribution structure, and more. By the end of this article, you will have a thorough understanding of how this scheme works and how unorganized workers can avail themselves of its benefits.

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Overview of the PM-SYM Scheme

The Pradhan Mantri Shram Yogi Maan-dhan Yojana is a Central Sector Scheme designed to provide economic security to unorganized workers who often lack access to formal retirement benefits. Unorganized workers, as defined by the Unorganised Workers’ Social Security Act, 2008, include those engaged in temporary or informal employment with no access to statutory social security programs like the Employees’ Provident Fund Organisation (EPFO), National Pension Scheme (NPS), or Employees’ State Insurance Corporation (ESIC).

Pradhan Mantri Shram Yogi Maan-dhan
Pradhan Mantri Shram Yogi Maan-dhan

The scheme operates on a 50:50 contribution model, where the subscriber and the Central Government each contribute an equal amount toward the pension fund. Managed by the Life Insurance Corporation (LIC) of India, the scheme ensures that enrolled workers receive a fixed monthly pension of ₹3,000 upon reaching the age of 60, subject to regular contributions. In case of the subscriber’s death, their spouse is entitled to a family pension of ₹1,500 per month (50% of the pension amount).

As of March 2025, the scheme has enrolled over 46.12 million beneficiaries across 36 states and union territories, with Haryana, Uttar Pradesh, and Maharashtra leading in registrations. The budget allocation for PM-SYM in 2025-26 has increased by 37% compared to the previous year, reflecting the government’s commitment to enhancing social security for unorganized workers.

Atal Pension Yojana

Pradhan Mantri Shram Yogi Maan-dhan Highlights

Aspect Highlight
Scheme Objective Provides old-age financial security with a guaranteed ₹3,000 monthly pension after age 60 for unorganized workers.
Eligibility Unorganized workers aged 18–40 years with a monthly income ≤ ₹15,000, not covered by EPFO, NPS, ESIC, or income taxpayers.
Contribution Model 50:50 contributory scheme; subscriber and government contribute equal amounts (₹55–₹200/month based on age).
Pension Benefits Guaranteed ₹3,000/month pension after age 60; spouse receives ₹1,500 family pension upon subscriber’s death.
Enrollment Process Online via maandhan.in, UMANG app, or through Common Services Centres (CSCs).
Exit Provisions Exit before 60: Subscriber gets contributions + interest; spouse can continue or exit.
Beneficiary Coverage (2025) Over 46.12 million enrolled across 36 states/UTs, led by Haryana, Uttar Pradesh, and Maharashtra.
Budget Allocation (2025-26) Increased by 37% compared to the previous year to expand social security coverage.
Integration with e-Shram Seamless enrollment for e-Shram cardholders via centralized database.
Key Exclusions Organized sector workers, income taxpayers, or those enrolled in other pension schemes like PM-KMY or PM-LVM.


Objectives of the PM-SYM Scheme

The primary objectives of the PM-SYM scheme are:

  • Old-Age Protection: To provide a fixed monthly pension to unorganized workers after the age of 60, ensuring financial independence during retirement.
  • Social Security: To improve the quality of life for workers in the unorganized sector who lack access to formal retirement benefits.
  • Economic Empowerment: To support the welfare of a significant portion of India’s workforce, contributing to overall economic growth.
  • Financial Inclusion: To encourage unorganized workers to participate in a contributory pension system through accessible enrollment and auto-debit facilities.

By addressing the vulnerabilities faced by unorganized workers, the scheme aligns with the government’s broader vision of inclusive growth and social justice.

Delhi Old Age Pension Scheme

Eligibility Criteria for PM-SYM

To enroll in the PM-SYM scheme, workers must meet the following eligibility criteria:

  • Age: The applicant must be between 18 and 40 years of age at the time of enrollment.
  • Occupation: The applicant must be an unorganized worker, including but not limited to:Street vendors
  • Income: The applicant’s monthly income must be ₹15,000 or less.

Exclusions: The applicant must not be:

  • Engaged in the organized sector (i.e., a member of EPFO, NPS, or ESIC).
  • An income taxpayer.
  • Enrolled in other government pension schemes, such as the Pradhan Mantri Kisan Maan-Dhan Yojana (PM-KMY) or Pradhan Mantri Laghu Vyapari Maan-Dhan Yojana (PM-LVM).

Required Documents: The applicant must have:

  • An Aadhaar card.
  • A savings bank account or Jan-Dhan account with IFSC code.
  • An active mobile number.

These criteria ensure that the scheme targets only those workers who lack formal social security coverage and are in genuine need of pension benefits.

Pradhanmantri Jan Dhan Yojana

List of 127 professions/ occupations Under PM-SYM scheme 

Occupation Occupation
Agarbatti makingGlassware manufacturing
AgricultureGoldsmithy
Agriculture machinery handlingHair dressing
Anganwadi WorkersHandloom weaving
Animal HusbandryHawking and vending
Arrack and Liquor production and vendingHeadload work
Asha WorkersHealth service
Audio and visual workersHoney gathering
Automobile workHorticulture and Floriculture
Bakery workHotel and Restaurant service
Band playingLock making
Bangle manufacturingManual operation on unspecified jobs
Beads making / piercingMasala making
BeauticianMatches manufacture
Beedi manufactureMid-Day Meal Worker
Bicycle repairMinor forest produce gathering
Bindi workMinor mineral and mines work
BlacksmithyNewspaper vending
Boat/Ferry occupationNGO service
Book bindingOil extraction
Brick Kiln workPacking and Packaging
Brush makingPanwalla service
Breweries DistilleriesPappad making
Building and Road maintenancePetrol bunk/pump and allied service
Bulb manufacturePickle making
Bullock/Camel-cart operationPlantation (Other than under Plantation Labour Act)
ButcheryPlastic manufacture
Cable TV operationPottery
Cane/Reed workPowerloom weaving
CarpentaryPrinting press work
Carpet weavingQuarry work
Cashew processingRag picking
CateringRice milling
Chikan workRickshaw pulling
Cine ServiceSalt pan work
Cloth printingSand mining
Clubs and canteen serviceSawmill work
Coaching serviceScavenging
Coir processing/manufactureSecurity service
ConfectionerySericulture (Silk rearing)
Construction workService station work
Construction of tents and pedals supply of utensils and decoration for functionShepherding
Courier serviceShoe shining work
Dairying and allied activitiesShop and establishment service
Data entry operationSmall scale industries
Distribution of petroleum productsSoap manufacture
Domestic workSports good manufacture
DyeingSteel vessels and utensils manufacture
Electronic electrical goods repairsStone crushing
ElectroplatingSweeping
Embroidery workTanning & leather goods manufacture
Envelop makingTelephone booth service
Fire work cracker productionTemple leaves collection
Fishery productionTendu leaves collection
Fish processingTimber Industry (Furniture manufacturing etc)
Flora work and garland makingTobacco processing
Flour mills operationsToddy tapping
Footwear productionToy making
Foresty operationTransport service
FoundryLaundry Work
Gardening and parks maintenanceWayside Mechanics and workshop service
Garment manufactureWelding
Gem cuttingAny other similar Occupation
Ginning

Pradhanmantri Ujjwala Yojana 2.0

Benefits of the PM-SYM Scheme

The PM-SYM scheme offers several benefits to unorganized workers, making it a vital tool for financial security:

  • Assured Pension: Upon reaching the age of 60, subscribers receive a guaranteed monthly pension of ₹3,000, providing a stable income during retirement.
  • Family Pension: In the event of the subscriber’s death, their spouse is entitled to a family pension of ₹1,500 per month (50% of the pension amount).
  • Voluntary and Contributory: The scheme is flexible, allowing workers to contribute affordable amounts based on their age, with matching contributions from the Central Government.
  • Financial Security: The pension ensures that unorganized workers, who often have no savings or retirement plans, can lead a dignified life in their old age.
  • Portability: The scheme is linked to the subscriber’s Aadhaar and bank account, ensuring seamless access to benefits regardless of location.
  • Grievance Redressal: A dedicated call center and grievance management system address queries and issues faced by beneficiaries.

Additionally, the scheme promotes financial inclusion by integrating unorganized workers into the formal banking system through mandatory savings or Jan-Dhan accounts.

Pradhan Mantri Shram Yogi Maan-dhan

Contribution Structure

The PM-SYM scheme operates on a 50:50 contribution model, where the subscriber and the Central Government contribute equal amounts to the pension fund. Contributions are auto-debited from the subscriber’s savings or Jan-Dhan account. The monthly contribution amount depends on the subscriber’s age at the time of enrollment. Below is a table outlining the contribution structure:

Entry Age Subscriber’s Monthly Contribution (₹) Government’s Matching Contribution (₹) Total Monthly Contribution (₹)
18 ₹55 ₹55 ₹110
20 ₹61 ₹61 ₹122
25 ₹76 ₹76 ₹152
29 ₹100 ₹100 ₹200
30 ₹110 ₹110 ₹220
35 ₹160 ₹160 ₹320
40 ₹200 ₹200 ₹400

Subscribers must continue contributing until they reach the age of 60 to be eligible for the pension. If a subscriber dies before reaching 60, their spouse can continue contributing to maintain eligibility. Alternatively, the spouse can opt to exit the scheme, receiving the subscriber’s contributions along with interest.

Online Registration Process for PM-SYM in 2025

The PM-SYM scheme offers two primary methods for enrollment: self-enrollment through the official portal or enrollment through Common Services Centres (CSCs). Below is a step-by-step guide to the online registration process:

Option 1: Self-Enrollment via the Official Portal

  • Visit the Official Portal: Go to the maandhan.in website, the official portal for PM-SYM and other pension schemes.

Pradhan Mantri Shram Yogi Maan-dhan

  • Select PM-SYM Scheme: From the homepage, choose the Pradhan Mantri Shram Yogi Maan-dhan Yojana option under “Services” > “New Enrollment.”

Pradhan Mantri Shram Yogi Maan-dhan

  • Choose Enrollment Type: Select “Self Enrollment” or other available options.
  • Enter Mobile Number: Provide your active mobile number and click “Proceed.” An OTP will be sent to your phone.
  • Verify OTP: Enter the OTP and click “Proceed” to log in.

Complete the Application Form:

  • Enter your Aadhaar number and validate it using OTP or biometric authentication.
  • Provide your savings bank account/Jan-Dhan account details (account number and IFSC code).
  • Fill in personal details, including name, age, and occupation.
  • Select Contribution Amount: Based on your age, the system will display the monthly contribution amount.
  • Authorize Auto-Debit: Link your bank account for automatic monthly deductions.
  • Submit Application: Review the details, submit the form, and download the Maandhan Card for future reference.

Option 2: Enrollment via Common Services Centres (CSCs)

  • Locate a CSC: Visit the nearest CSC e-Governance Services India Limited (CSC SPV) center. You can find a CSC using the locator tool on the official website.
  • Carry Required Documents: Bring your Aadhaar card, savings bank account/Jan-Dhan account passbook, and an active mobile number.
  • Provide Details: The CSC operator will assist you in filling out the application form on a self-certification basis.
  • Verify Aadhaar: Your Aadhaar will be verified via OTP or biometric authentication.
  • Link Bank Account: Provide bank account details for auto-debit of contributions.
  • Receive Maandhan Card: Upon successful registration, you will receive a Shram Yogi Pension Account Number (SPAN) and a Maandhan Card.

Additional Notes:

  • The e-Shram portal integrates with PM-SYM, allowing workers with an e-Shram card to enroll seamlessly. Select “Yes” if you have an e-Shram card during registration.
  • The UMANG app also provides access to PM-SYM services, including viewing statements and downloading the Maandhan Card.
  • Enrollment is free, but subscribers must bear the cost of contributions.

How to Check Application Status and Download Maandhan Card

After enrolling, beneficiaries can track their application status or download their Maandhan Card using the following steps:

  • Visit the Maandhan Portal: Go to maandhan.in or the UMANG app.
  • Log In: Use your mobile number and OTP to access your account.
  • Check Status: Navigate to the “Enrollment Status” section and enter your Shram Yogi Pension Account Number (SPAN).
  • Download Maandhan Card: Go to the “Download Maandhan Card” option, enter your SPAN, and save the card as a PDF.
  • View Statements: Access past contribution statements to monitor payments.

Exit and Withdrawal Provisions

The PM-SYM scheme includes provisions for exiting or withdrawing from the scheme under specific circumstances:

Before Age 60:

  • If a subscriber exits the scheme prematurely, their contributions (excluding the government’s share) are returned with interest at the prevailing savings bank rate.

Death of Subscriber:

  • If the subscriber dies before age 60, the spouse can continue contributing to maintain eligibility for the pension.
  • Alternatively, the spouse can exit the scheme and receive the subscriber’s contributions with interest.

After Age 60:

  • If the subscriber dies while receiving the pension, the spouse receives a family pension of ₹1,500 per month.
  • If there is no eligible spouse, the pension ceases.

Implementation and Monitoring

The Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) Scheme is administered by the Ministry of Labour and Employment, in partnership with CSC e-Governance Services India Limited and the Life Insurance Corporation (LIC), which serves as the Pension Fund Manager to ensure efficient management and disbursement of pension funds. The scheme’s progress is closely monitored through regular review meetings with stakeholders to evaluate enrollment and operational performance. 

Dedicated call centers provide helpline support to address beneficiary queries, while grievance management systems, accessible via online portals and CSCs, ensure prompt resolution of issues. The e-Shram portal plays a pivotal role by maintaining a centralized database of unorganized workers, enabling seamless enrollment and effective data sharing with stakeholders to enhance the scheme’s reach and efficiency.

Challenges and Future Prospects

The Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) Scheme has achieved significant progress, but it faces challenges such as limited awareness among eligible workers, particularly in rural areas, where many are unaware of its benefits. Low financial literacy also poses a hurdle, as some workers struggle to understand the contributory model or hesitate to trust the auto-debit system. 

Additionally, enrollment barriers, including limited access to Common Services Centres (CSCs) and poor internet connectivity in remote regions, hinder participation. To overcome these issues, the government is intensifying outreach efforts through Labour offices, EPFO, ESIC, and targeted awareness campaigns. The 37% budget increase for 2025-26 underscores a strong commitment to expanding coverage and enhancing implementation, ensuring greater inclusion of unorganized workers in the scheme.

Conclusion

The Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) Scheme is a transformative initiative that empowers unorganized workers by providing them with a dignified retirement through a guaranteed pension. With its simple enrollment process, affordable contributions, and robust support system, the scheme has the potential to uplift millions of lives. By leveraging digital platforms like the maandhan.in portal, e-Shram, and UMANG, the government has made the scheme accessible and inclusive.Unorganized workers are encouraged to enroll in PM-SYM to secure their financial future. For more information or to register, visit maandhan.in, the UMANG app, or your nearest CSC. By participating in this scheme, workers can take a significant step toward a stable and dignified retirement, supported by the Government of India’s commitment to social security for all.

Official Website Click Here
Maharashtra Government Scheme Click Here
Central Government Scheme Click Here
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FAQs Pradhan Mantri Shram Yogi Maan-dhan 2025

Q. What is the PM-SYM Scheme?

The PM-SYM is a voluntary and contributory pension scheme launched in February 2019 by the Government of India to provide old-age financial security for unorganized workers. It ensures a monthly pension of ₹3,000 after age 60, with equal contributions from the subscriber and the government.

Q. Who is eligible for the PM-SYM Scheme?

Eligible candidates are unorganized workers aged 18–40 years with a monthly income of ₹15,000 or less. They must not be covered by EPFO, NPS, or ESIC, nor be income taxpayers. Required documents include an Aadhaar card, savings/Jan-Dhan account, and an active mobile number.

Q. What are the benefits of the PM-SYM Scheme?

Subscribers receive a guaranteed ₹3,000 monthly pension after age 60. If the subscriber dies, their spouse gets a ₹1,500 monthly family pension. The scheme promotes financial inclusion through auto-debit contributions and offers flexible exit options.

Q. How much is the contribution under PM-SYM?

Contributions vary by entry age, ranging from ₹55 to ₹200 per month, matched equally by the government. For example, a 29-year-old contributes ₹100 monthly, with the government adding ₹100. Contributions are auto-debited until age 60.

Q. How can I enroll in the PM-SYM Scheme?

Enroll online via the maandhan.in portal or UMANG app using Aadhaar and bank details, or visit a Common Services Centre (CSC) with Aadhaar, savings/Jan-Dhan account details, and a mobile number for self-certification-based registration.

Q. What documents are required for enrollment?

You need an Aadhaar card, a savings bank account/Jan-Dhan account with IFSC code, and an active mobile number. No additional proof of income or occupation is required, as enrollment is based on self-certification.

Q. What is the enrollment process through CSCs?

Visit a CSC with your Aadhaar and bank details. The Village Level Entrepreneur (VLE) verifies your Aadhaar, captures details, and calculates your contribution. You pay the first contribution in cash, sign the auto-debit form, and receive a Shram Yogi Card with a unique Pension Account Number.

Q. Can I enroll online without visiting a CSC?

Yes, self-enroll through the maandhan.in portal or UMANG app. Enter your mobile number, verify with OTP, provide Aadhaar and bank details, authorize auto-debit, and download your Maandhan Card upon successful registration.

Q. What happens if I miss contributions?

If you miss contributions, you can revive your account within three years by paying pending amounts. Non-payment may lead to account suspension, but flexible revival options are available for financial difficulties.

Q. What are the exit provisions under PM-SYM?

If you exit before age 60, you receive your contributions with savings bank interest. After 10 years, you get the higher of savings bank interest or fund-earned interest. If you die, your spouse can continue contributions or exit with your share plus interest.

Q. What happens after the subscriber’s death?

If the subscriber dies before 60, their spouse can continue contributions or exit with the subscriber’s contributions plus interest. After 60, during pension receipt, the spouse receives a ₹1,500 monthly family pension. Children are not eligible for the family pension.

Q. How can I check my application status or download my Maandhan Card?

Log in to maandhan.in or the UMANG app with your mobile number and OTP. Enter your Shram Yogi Pension Account Number (SPAN) to check status or download the Maandhan Card. You can also view contribution statements.

Q. Is the PM-SYM Scheme linked to the e-Shram portal?

Yes, integration with the e-Shram portal allows unorganized workers with an e-Shram card to enroll seamlessly, leveraging the centralized database to streamline registration and data sharing.

Q. How many beneficiaries are enrolled in PM-SYM in 2025?

As of 2025, over 46.12 million beneficiaries are enrolled across 36 states/UTs, with Haryana, Uttar Pradesh, and Maharashtra leading. The scheme covers 352,598 CSCs nationwide.

Q. Who cannot enroll in the PM-SYM Scheme?

Workers in the organized sector (covered by EPFO, NPS, or ESIC), income taxpayers, or those enrolled in other government pension schemes like PM-KMY or PM-LVM are ineligible.

Q. How can I file a grievance or seek clarification?

Contact the 24/7 customer care number 1800-267-6888 or register complaints via the maandhan.in portal or PM-SYM app. For unresolved issues, reach out to the Joint Secretary & Director General (Labour Welfare) at ShramYogi@nic.in (mailto:ShramYogi@nic.in).

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