Pradhan Mantri Shram Yogi Maan-dhan is a central government scheme meant for old age protection and social security of Unorganised Workers (UW).

Unorganised Workers (UW) 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. There are estimated 42 crore such unorganised workers in the country.

Eligibility Criteria

Should be an unorganised worker (UW)
To view the list of professions covered, click here
Entry age between 18 and 40 years
Monthly Income Rs 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

Features

It is a voluntary and contributory pension scheme, under which the subscriber would receive a minimum assured pension of Rs 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 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.

ntry Age	Superannuation Age	Member's monthly contribution (Rs)	Central Govt's monthly contribution (Rs)	Total monthly contribution (Rs)
(1)	(2)	(3)	(4)	(5)= (3)+(4)
18	60	55	55	110
19	60	58	58	116
20	60	61	61	122
21	60	64	64	128
22	60	68	68	136
23	60	72	72	144
24	60	76	76	152
25	60	80	80	160
26	60	85	85	170
27	60	90	90	180
28	60	95	95	190
29	60	100	100	200
30	60	105	105	210
31	60	110	110	220
32	60	120	120	240
33	60	130	130	260
34	60	140	140	280
35	60	150	150	300
36	60	160	160	320
37	60	170	170	340
38	60	180	180	360
39	60	190	190	380
40	60	200	200	400

Enrolment Process

For self enrollment through online registration, click here

For enrollment through Common Service Centre

Interested eligible person shall visit nearest CSC centre. To locate your nearest CSC, click here.
While going to CSC for enrolment, he shall carry with him the following :
1. Aadhar Card
2. Savings/Jan Dhan Bank Account details along with IFS Code ( Bank Passbook or Cheque Leave/book or copy of bank statement as evidence of bank account )
3. Initial contribution amount in cash for enrolment under the scheme
Village Level Entrepreneur (VLE) present at the CSC will key-in aadhar number, name of subscriber as printed on aadhar card and date of birth as given in aadhar card and the same will be verified with UIDAI database.
Further details like Bank Account details, Mobile Number, Email-id, if any, spouse and nominee details will be captured.
Self-certification for eligibility conditions will be done.
System will auto calculate monthly contribution payable according to age of the subscriber.
Subscriber shall also pay the amount of 1^st subscription in cash to the VLE who will generate receipt to be handed over to the subscriber.
Enrolment Form cum Auto Debit mandate will also be printed which will then be signed by the subscriber. VLE then shall scan the signed enrolment cum auto debit mandate and upload into the system.
At the same time, a unique Shram Yogi Pension Account Number will be generated and Shram Yogi Card will be printed at CSC
With completion of process, subscriber will be having with him Shram Yogi Card and signed copy of enrolment form for his record.
He will also receive regularly SMS on activation of auto debit and Shram Yogi Pension Account details.

Exit and Withdrawal

Considering the hardships and erratic nature of employability of Unorganised Workers (UW), the exit provisions of scheme have been kept flexible.

If he/ she exits the scheme within a period of less than 10 years, the beneficiary’s share of contribution only will be returned to him with savings bank interest rate.
If subscriber exits after a period of 10 years or more but before 60 years of age, the beneficiary’s share of contribution along with accumulated interest as actually earned by fund or at the savings bank interest rate whichever is higher.
If a beneficiary has given regular contributions and died due to any cause, his/ her spouse will be entitled to continue the scheme subsequently by payment of regular contribution or exit by receiving the beneficiary’s contribution along with accumulated interest as actually earned by fund or at the savings bank interest rate whichever is higher.
If a beneficiary has given regular contributions and become permanently disabled due to any cause before 60 years, and unable to continue under the scheme, his/ her spouse will be entitled to continue the scheme subsequently by payment of regular contribution or exit the scheme by receiving the beneficiary’s contribution with interest as actually earned by fund or at the savings bank interest rate whichever is higher.
After the death of subscriber as well as his/her spouse, the entire corpus will be credited back to the fund.

Default

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.

Pension Pay out

Once the beneficiary joins the scheme at the entry age of 18-40 years, the beneficiary has to contribute till 60 years of age. On attaining the age of 60 years, the subscriber will receive by DBT the assured monthly pension of Rs.3000/- with benefit of family pension, as the case may be.

Grievance Redressal

Customer Care number 1800 2676 888 (available 24*7).

Source : Ministry of Labour and Employment