PradhanMantri Shram Yogi Maan-dhan (PM-SYM) - A pension scheme for unorganised workers

Pradhan Mantri Shram Yogi Maan-dhan

The scheme is meant for old age protection and social security of Unorganised Workers (UW) who are mostly engaged as rickshaw pullers, street vendors, mid-day meal workers, head loaders, brick kiln workers, cobblers, rag pickers, domestic workers, washer men, home-based workers, own account workers, agricultural workers, construction workers, beedi workers, handloom workers, leather workers, audio - visual workers or in similar other occupations.

Eligibility Criteria

  • Should be an unorganised worker (UW)
  • Entry age between 18 and 40 years
  • Monthly Income ₹15000 or below

Should not be

  • engaged in Organized Sector (membership of EPF/NPS/ESIC)
  • an income tax payer

He/ She should possess

  • Aadhar card
  • Savings Bank Account / Jan Dhan account number with IFSC

Complete Enrolment Process click here...


It is a voluntary and contributory pension scheme, under which the subscriber would receive a minimum assured pension of ₹3000/- per month after attaining the age of 60 years and if the subscriber dies, the spouse of the beneficiary shall be entitled to receive 50% of the pension as family pension. Family pension is applicable only to spouse.

Contribution by the Unorganised Workers (UW) Subscriber

Through 'auto-debit' facility from his/her savings bank account/Jan- Dhan account from the date of joining PM-SYM till the age of 60 years as per the chart below. The Central Government will also give equal matching contribution in his pension account.

Enrolment Procedure
Enrolment Procedure

The Unorganised Worker will be required to visit the nearest Common Services Centre (CSC) and get enrolled for PM-SYM using Aadhaar Card and Savings bank/Jan-Dhan account number on self-certification basis. First subscription to be paid in cash and auto debit from next month onwards. Later, facility will be provided where the UW can also visit the PM-SYM web portal or can download the mobile app and self-register using Aadhar number/savings bank account/Jan-Dhan account number on self-certification basis.The enrolment will be carried out by all the Common Services Centres in the country.

Facilitation Centres, Fund and Withdrawal

All the Labour offices of State and Central Governments, all the branch offices of LIC, the offices of ESIC/EPFO will act as Facilitation Centres to give full information to the Unorganised Workers (UW) about the Scheme, its benefits and the procedure to be followed, at their facilitation desks/help desks. PM-SYM will be a Central Sector Scheme administered by the Ministry of Labour and Employment and implemented through Life Insurance Corporation of India and CSC e-Governance Services India Limited (CSC SPV). LIC will be the Pension Fund Manager and responsible for Pension pay out. Considering the hardships and erratic nature of employability of Unorganised Workers (UW), the exit provisions of scheme have been kept flexible. If a subscriber has not paid the contribution continuously he/she will be allowed to regularize his contribution by paying entire outstanding dues, along with penalty charges, if any, decided by the Government.

Grievance Redressal
Grievance Redressal

Customer Care number 1800-2676-888 (available 24*7).Web portal/app will also have the facility for registering the complaints.In case of any doubt on the scheme, clarification provided by the Joint Secretary & Director General (Labour Welfare) will be final.
e-mail at ShramYogi[at]nic[dot]in

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