PM Shram Yogi Maan-dhan (PM-SYM) — pension for unorganised workers

A voluntary pension scheme for unorganised workers aged 18–40 earning up to ₹15,000 a month. It assures ₹3,000 a month from age 60, and the government matches the worker's contribution.

Eligibility:

an unorganised worker aged 18 to 40 with monthly income of ₹15,000 or less;
not a member of EPF, NPS or ESIC;
not an income-tax payer.

Contribution: ₹55 to ₹200 a month depending on the age at entry. The Central Government matches it.
Benefit: an assured pension of ₹3,000 a month from age 60. The spouse gets a family pension of 50% after the subscriber's death.
How: at a Common Service Centre, or online, with Aadhaar and a savings bank account (auto-debit).

Last reviewed 17-10-2026. General information, not legal advice for a specific case. Check the latest Act, Rules and notifications of the appropriate government before acting.

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