PM Shram Yogi Maan-Dhan (PMSYM) — pension Rs 3,000/month for unorganised workers (2026)

• Unorganised worker (NOT in EPFO/ESIC/government)
• Age 18-40 at entry
• Monthly income < Rs 15,000
• Aadhaar + bank account

Pension Rs 3,000/month after age 60 (lifelong). On death post-60, spouse gets 50% (Rs 1,500). On pre-60 death of subscriber: spouse can continue + receive pension OR withdraw corpus.

1. Visit nearest CSC (Common Service Centre) — Free enrolment via Maandhan API.
2. Aadhaar + bank account verified — Auto-debit consent for monthly contribution.
3. Choose contribution amount — Rs 55 (age 18) to Rs 200 (age 40) — based on entry age.
4. Auto-debit starts — Govt also contributes 50% (matching).
5. Annual eKYC — Mandatory annual eKYC at CSC or online.
6. Pension begins on 60th birthday — Direct credit to bank account.

• Aadhaar
• Active savings bank account
• Mobile number

Auto-debit from next month after enrolment. Pension begins on 60th birthday.

• Official portal: maandhan.in
• Helpline: Maandhan Helpline: 1800-267-6888

• Income > Rs 15,000 — must exit and refund. Income certificate validates eligibility.
• eKYC missed > 1 year — contributions still go but pension delayed; complete eKYC ASAP.
• Bank Aadhaar de-linked — auto-debit fails; visit bank for NPCI re-mapping.
• EPF / ESIC member — disqualifies. Surrender if discovered.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of disbursement / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

More schemes for you: All unorganised workers schemes

You must exit Maandhan and join EPF. Corpus refunded with interest.

Yes — fixed monthly pension. No annual indexation announced yet.

Spouse can continue contributions to age 60 OR get refund. Pension cycle then for surviving spouse.

No — Rs 3,000 is the fixed pension. Contribution depends only on entry age.

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• Official portal: maandhan.in
• Issued by: Ministry of Labour & Employment
• Launched: 2019
• Citizen feedback via %%AwaazRTI%% (composite, identifying details removed)

Last reviewed: 26 April 2026.