Pradhan Mantri Shram Yogi Maan-Dhan: Ensuring a Secure Future for Unorganized Workers
What is Pradhan Mantri Shram Yogi Maan-Dhan?
Pradhan Mantri Shram Yogi Maan-Dhan (PM-SYM) is a government-initiated pension scheme designed to support unorganized sector workers. Launched by the Ministry of Labour and Employment, it aims to provide social security to workers in occupations such as street vending, agriculture, construction, and more. The scheme offers a guaranteed monthly pension to help these workers lead a dignified life in their old age.
Benefits of Pradhan Mantri Shram Yogi Maan-Dhan
| Benefit | Description |
| Monthly Pension |
Rs. 3,000 per month after the age of 60
|
| Contribution Matching |
Government matches the worker’s monthly contribution
|
| Easy Enrollment |
Simple registration process at Common Service Centers (CSCs)
|
| Lifelong Security |
Assured pension for the enrolled worker’s lifetime
|
| Family Support |
In case of the subscriber’s death, the spouse receives 50% of the pension
|
Eligibility for the Scheme
| Eligibility Criteria | Details |
| Age | 18 to 40 years |
| Monthly Income |
Up to Rs. 15,000
|
| Occupation |
Unorganized sector worker
|
| Existing Schemes |
Not covered under any other statutory social security schemes (e.g., NPS, EPFO, ESIC)
|
Official Website
How to Apply for Pradhan Mantri Shram Yogi Maan-Dhan
- Visit a Common Service Center (CSC): Locate your nearest CSC for assistance.
- Aadhaar and Savings Bank Account: Ensure you have your Aadhaar card and a savings bank account.
- Enrollment Process: The CSC operator will help you fill out the online application.
- Automatic Deduction: Monthly contributions will be automatically deducted from your savings account.
Documents Required for Pradhan Mantri Shram Yogi Maan-Dhan
| Document | Purpose |
| Aadhaar Card | Proof of identity |
| Savings Bank Account/Jan Dhan Account |
For contribution auto-debit
|
| Mobile Number |
For communication and updates
|
| Age Proof |
Verification of age eligibility
|
How to Check Application Status
- Visit the Official Website: Go to the PM-SYM scheme’s official website.
- Login: Use your Aadhaar number and mobile number to log in.
- Check Status: Navigate to the ‘Check Status’ section and enter your details.
Sources and References
- Ministry of Labour and Employment
- Pradhan Mantri Shram Yogi Maan-Dhan Official Website
- Common Service Centers (CSC) Official Portal
Common FAQs about Pradhan Mantri Shram Yogi Maan-Dhan
Q: Who can enroll in PM-SYM?
A: Unorganized sector workers aged 18-40 years with a monthly income up to Rs. 15,000.
Q: What happens if the subscriber dies?
A: The spouse receives 50% of the monthly pension.
Q: Can I withdraw my contribution?
A: The contributions are non-refundable. However, if you exit the scheme before 10 years, your share of contribution will be returned with savings bank interest.
Q: Is the pension amount fixed?
A: Yes, the scheme guarantees a fixed monthly pension of Rs. 3,000 after the subscriber turns 60.
By understanding and utilizing the Pradhan Mantri Shram Yogi Maan-Dhan scheme, unorganized sector workers can secure their future and ensure a stable income during their retirement years.
