Right to Information Wiki
PM Shram Yogi Maan-Dhan (PMSYM)

Pension Rs 3,000/month after age 60 for unorganised workers. Govt matches your monthly contribution Rs 55-200 (age-based).

no way to compare when less than two revisions

Differences

This shows you the differences between two versions of the page.


—yojana:pmsym-shram-yogi [2026/05/05 04:27] (current) – created - external edit 127.0.0.1
Line 1: Line 1:
 +{{htmlmetatags>
 +metatag-keywords=(pmsym, shram yogi maandhan, unorganized worker pension, pension scheme labour)
 +metatag-description=(Pension Rs 3,000/month after age 60 for unorganised workers. Govt matches your monthly contribution Rs 55-200 (age-based).)
 +}}
  
 +====== PM Shram Yogi Maan-Dhan (PMSYM) ======
 +{{:social:auto:yojana-pmsym-shram-yogi.png?direct&1200 |PM Shram Yogi Maan-Dhan (PMSYM) — RTI Wiki}}
 +
 +<WRAP info>
 +**Pension Rs 3,000/month after age 60. Govt contributes 50% of your monthly contribution (Rs 55-200 by age).**
 +
 +**Launched:** 2019  ·  **Issued by:** Ministry of Labour & Employment
 +</WRAP>
 +
 +===== Who is eligible =====
 +  * Unorganised worker (NOT in EPFO/ESIC/government)
 +  * Age 18-40 at entry
 +  * Monthly income < Rs 15,000
 +  * Aadhaar + bank account
 +
 +===== What you get =====
 +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.
 +
 +===== How to apply (step-by-step) =====
 +  - **Visit nearest CSC (Common Service Centre)** — Free enrolment via Maandhan API.
 +  - **Aadhaar + bank account verified** — Auto-debit consent for monthly contribution.
 +  - **Choose contribution amount** — Rs 55 (age 18) to Rs 200 (age 40) — based on entry age.
 +  - **Auto-debit starts** — Govt also contributes 50% (matching).
 +  - **Annual %%eKYC%%** — Mandatory annual %%eKYC%% at CSC or online.
 +  - **Pension begins on 60th birthday** — Direct credit to bank account.
 +
 +===== Documents needed =====
 +  * Aadhaar
 +  * Active savings bank account
 +  * Mobile number
 +
 +===== Timeline =====
 +Auto-debit from next month after enrolment. Pension begins on 60th birthday.
 +
 +===== Portal + helpline =====
 +  * **Official portal:** [[https://maandhan.in|maandhan.in]]
 +  * **Helpline:** Maandhan Helpline: 1800-267-6888
 +
 +===== Common issues =====
 +  * 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.
 +
 +===== Benefit delayed or rejected? File an RTI =====
 +
 +Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
 +
 +<code>
 +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.
 +</code>
 +
 +**Auto-fill the PIO + your case:** [[:citizen-rti-playbook|Open the AI RTI Drafter →]]
 +
 +**More schemes for you:** [[:audience:unorganised-workers|All unorganised workers schemes]]
 +
 +===== Frequently asked questions =====
 +==== What if I quit unorganised work and become salaried? ====
 +You must exit Maandhan and join EPF. Corpus refunded with interest.
 +
 +==== Pension fixed at Rs 3,000? ====
 +Yes — fixed monthly pension. No annual indexation announced yet.
 +
 +==== What if I die before 60? ====
 +Spouse can continue contributions to age 60 OR get refund. Pension cycle then for surviving spouse.
 +
 +==== Can I increase contribution to get more pension? ====
 +No — Rs 3,000 is the fixed pension. Contribution depends only on entry age.
 +
 +===== Summary + next step =====
 +
 +<WRAP center round tip 90%>
 +**Bottom line:** Pension Rs 3,000/month after age 60. Govt contributes 50% of your monthly contribution (Rs 55-200 by age). Apply at **maandhan.in**. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
 +
 +  * **Apply now:** [[https://maandhan.in|maandhan.in]]
 +  * **If delayed — RTI Drafter:** [[:citizen-rti-playbook|File RTI in 5 minutes]]
 +  * **Browse all 150 yojanas:** [[:yojana:start|Sarkari Yojana index]]
 +</WRAP>
 +
 +===== Related =====
 +  * [[:yojana:start|All 150 Sarkari Yojanas]]
 +  * [[:check-status:start|25 status-check guides]]
 +  * [[:documents:start|30 documents-required checklists]]
 +  * [[:how-to-apply:start|25 how-to-apply guides]]
 +  * [[:rejection-recovery:start|16 rejection-recovery guides]]
 +  * [[:audience:start|10 audience-hub schemes]]
 +  * [[:helplines:start|32 helplines + grievance routes]]
 +  * [[:citizen-rti-playbook|Full RTI Playbook]]
 +
 +===== Sources =====
 +  * Official portal: maandhan.in
 +  * Issued by: Ministry of Labour & Employment
 +  * Launched: 2019
 +  * Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html|%%AwaazRTI%%]] (composite, identifying details removed)
 +
 +//Last reviewed: 26 April 2026.//
 +
 +{{tag>yojana sarkari-yojana pmsym-shram-yogi}}