Labour & EmploymentPRADH
Pradhan Mantri Shram Yogi Mandhan
A voluntary and contributory pension scheme for unorganized sector workers offering a minimum assured pension of ₹3,000 per month after age 60.
NOTICE
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Non-monetary
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Apply on official portalOpens the official portal · We never charge
Official fee
₹0 — completely free
There is no registration or processing fee at CSCs. Only the monthly premium contribution based on entry age is auto-debited.
Beware of lookalike portals
Do not pay cash to unauthorized agents promising immediate pension releases. Premium is strictly auto-debited through bank accounts.
Only the "Apply on official portal" button above leads to the verified government site.
Highlights and Media
Key Highlights
Assured Monthly Pension
Receive a guaranteed minimum pension of ₹3,000 per month after attaining 60 years of age.
Matching Government Outlay
The Central Government co-contributes an equal matching amount directly into the subscriber's pension account.
Family Security
In case of subscriber's death, the spouse is legally entitled to receive 50% of the pension as a family pension.
Monthly Contribution Slabs by Age
Subscribers' monthly out-of-pocket premium based on entry age (matched 1:1 by government)
Entry Age 18 Years
₹55/monthEntry Age 25 Years
₹80/monthEntry Age 30 Years
₹105/monthEntry Age 35 Years
₹150/monthEntry Age 40 Years
₹200/monthWho is eligible
- Applicant falls within the eligible age group of 18 to 40 years.
Eligibility rules · v1 · effective 15 February 2019
Who is not eligible
- PM-SYM enrollment is restricted to unorganized sector workers aged between 18 and 40.
- PM-SYM enrollment is restricted to unorganized sector workers aged between 18 and 40.
How to apply
Visit CSC / Self-Enroll
Visit the nearest Common Services Centre (CSC) or register on the self-enrollment portal.
Typical duration · 1 day
Link Bank Account and Auto-Debit Consent
Provide bank details and authorize auto-debit of the age-specific monthly premium.
Typical duration · 1 day
Shram Yogi Card Issuance
Receive the Shram Yogi Card with a unique Pension Account Number.
Typical duration · 1 day
Sources
- PM-SYM Pension Portal — Ministry of Labour and EmploymentMINISTRY_PORTAL · Fetched 5 July 2026
Additional Details
Pradhan Mantri Shram Yogi Maandhan (PM-SYM) is a voluntary and contributory pension scheme launched by the Ministry of Labour and Employment, Government of India, for unorganized sector workers aged between 18 and 40 years. Eligible workers must have a monthly income of ₹15,000 or less. Under the scheme, subscribers receive a minimum assured monthly pension of ₹3,000 after reaching 60 years of age. The scheme features a 50:50 matching contribution by the Central Government, and offers family pension benefits of 50% to the spouse upon the subscriber's death.