PM Shram Yogi Mandhan Yojana: सरकार देगी हर महीने ₹3000 की पेंशन, इस तरह भरें फॉर्म

PM Shram Yogi Mandhan Yojana: The Pradhan Mantri Shram Yogi Mandhan Yojana (PM-SYM) is a pension scheme launched by the Government of India for unorganized sector workers. This initiative ensures financial stability in old age by providing a monthly pension of Rs. 3,000 after the age of 60 years.

Pradhan mantra shram yogi mandhana yojana has been launched by the government of India to ensure the old age protection for unorganized workers.  It include those unorganized sections who are mostly do that kind of work such as: home – based workers, street vendors, mid – day meal worker, head loaders, brick kiln workers, cobblers, rag pickers, domestic workers, washer men, rickshaw pullers, landless labors, own account workers, agricultural workers, construction workers, beedi workers in similar other occupations can take advantage of this PM Shram Yogi Mandhan Yojana.

PM Shram Yogi Mandhan Yojana

Objective of the PM Shram Yogi Mandhan Yojana

1. The main aim of this PM Shram Yogi Mandhan Scheme is to provide the financial help to the poor sections of the country.
2. Those people whose salary is less than 15 thousands rupees can avail for this scheme.
3. The unorganized workers will get a pension scheme of ₨ 3000 or ₨ 36 thousands annually after the age of 60 years.
4. If the applicant dies the spouse of the applicant can entitled to receive the 50 % of the pension as a family pension.
5.  there are approximately 42 crore such unorganized workers in the nation.

 Who is eligible for this PM Shram Yogi Mandhan Yojana?

1. Applicant who is the citizen of the country and whose age between 18 to 40 years can apply for this scheme.
2. Applicant who is unorganized workers (UW) can open their account.
3. Those monthly income is up to ₨ 15000/-.
4. The applicant must have their mobile number and aadhar number.
5. The applicant also must have saving bank account.

Key Features of PM-SYM

• Guaranteed Monthly Pension: Rs. 3,000 per month post 60 years of age.
• Government Contribution: Equal contribution from the Government matching the beneficiary’s deposit.
• Eligibility: Workers in the unorganized sector aged between 18 to 40 years.
• Affordable Contribution: Ranges from Rs. 55 to Rs. 200 per month based on age.
• Family Pension: Spouse receives 50% of the pension amount upon beneficiary’s demise.

Eligibility Criteria

To be eligible for the scheme, applicants must:

• Be unorganized sector workers such as street vendors, rickshaw pullers, construction workers, etc.
• Have a monthly income of Rs. 15,000 or less.
• Be aged between 18 to 40 years.
• Not be covered under EPFO, NPS, or ESIC.
• Have a valid Aadhaar card and bank account.

Contribution and Pension Benefits

Documents required for the shram yogi mandhan yojana

1. Applicant must have their aadhaar card.
2. Applicant must have identity card.
3. Applicant must have their saving bank account / jan dhan aacount number with IFSC code.
4. Postal address of the applicant.
5. Mobile number of the applicant.
6. Applicant must have their passport size photo.

How to apply for shram yogi madhan yojana through CSC?

Step1: applicant will visit to the nearest CSC centers.

Step2: the applicant must have the following documents for the enrollment process:

• Aadhaar card of the applicant.
• Applicant must have saving / jan dhan account details along with IFSc code and bank passbook or cheque leave / book or copy of bank statement as evidence of bank account.

Step3: the installment amount in cash will be made to the village level entrepreneur (VLE).

Step4: after that VLE key – in the aadhaar number, name of the applicant and date of birth as on the aadhaar card will be printed.

Step5: through VLE the complete online registration by filling up details such as: bank account details, mobile number, email address, spouse (if any) and the nominee details will be entered.

Step6: the first installment of the applicant get auto calculated on the basis of the age criteria.

Step7: the applicant first installment will deducted from the CSC wallet and the applicant will pay amount in cash to the VLE.

Step8: applicant enrollment cum auto debit mandate form will be printed and further signed by the applicant.

Step9: after that VLE will scan the same and upload it into the system.

Step10: Now, a unique shram yogi pension account number (SPAN) will be generated and then shram yogi card will be printed.

How to apply shram yogi madhan yojana online?

Step1: applicant can go to the official website of the Pradhan mantra shram yogi mandhan scheme.

Step2: click on the ‘’apply now’’ option on the home page.

Step3: after that a new page will be open you will see an option of self-enrollment, now you have to click on the option.

Step4: enter the mobile number and click on the proceed option.

Step5: after that you have to enter your name, email ID and the captcha code and then you have to click on the ‘’ generate OTP’’ option.

Step6: now enter the OTP and click on the verify option.

Step7: after you have to fill all the necessary details such as:

• Applicant aadhaar number.
• Name of the applicant.
• Mobile number of the applicant.
• Email ID of the applicant.
• Date of birth of the applicant.
• Gender of the applicant.
• State, district and pin code of the applicant.
• Category of the applicant.
• Occupation of the applicant.

Step8: now upload the documents and after that submit the applicant form.

Step9: now you have to take the print out and save it for the future use.

How to login shram yogi mandhan yojana

Step1: Applicants go to the CSC web portal.

Step2:  on the home page click on the ‘’click to get stated’’ option.

Step3: a new will be appearing now you have to enter username / email and password.

Step4: click on the sign in button.

Step5: now the applicant successfully login in the ID.

How to Register for PM-SYM?

Online Registration Process

1. Visit the official Labour Ministry website.
2. Click on PM-SYM Enrollment.
3. Enter your Aadhaar number and mobile number.
4. Provide bank details.
5. Choose auto-debit option for monthly contributions.
6. Submit the form and receive acknowledgment.

Offline Registration

1. Visit the nearest Common Service Center (CSC).
2. Provide Aadhaar, bank details, and mobile number.
3. The CSC officer will complete the digital enrollment.
4. Receive a PM-SYM card after successful registration.

Advantages of PM-SYM

• Financial Security: Ensures income after retirement.
• Government Support: Equal contribution reduces financial burden.
• Simple Enrollment: Easy online and offline registration.
• Nominee Benefit: Spouse continues to receive benefits after death.
• Flexible Contribution: Monthly payments as per age.

Challenges and Limitations

• Limited Awareness: Many eligible workers are unaware of the scheme.
• Age Restriction: Only available for workers aged 18 to 40 years.
• Fixed Pension Amount: Rs. 3,000 may not be sufficient in the long run.
• Auto-Debit Dependency: Requires a functional bank account for seamless payments.