PM-SYM 2026: ₹3,000 Pension for Unorganised Workers

What is Pradhan Mantri Shram Yogi Maan-dhan?

PM-SYM was announced in February 2019 and launched as a Central Sector pension scheme for unorganised workers. The Ministry of Labour & Employment administers the scheme, while the Life Insurance Corporation of India acts as Pension Fund Manager and pension payout agency.

The scheme is based on a 50:50 contribution structure: the eligible worker contributes the prescribed age-based amount and the Central Government contributes an equal amount.

PM-SYM Eligibility

The current core eligibility conditions are:

• the applicant must be an unorganised worker;
• entry age must be between 18 and 40 years;
• monthly income must be ₹15,000 or less;
• the worker should not be covered under the specified EPFO, ESIC or Government-contributed NPS exclusions; and
• the applicant should not be an income-tax assessee.

There is no prescribed minimum educational qualification for joining the scheme.

Who is Covered as an Unorganised Worker?

The scheme covers eligible casual, self-employed and informal-sector workers. Examples in Government guidance include:

• rickshaw pullers;
• street vendors;
• mid-day meal workers;
• head loaders;
• brick-kiln workers;
• cobblers and rag pickers;
• domestic workers and washermen;
• home-based and own-account workers;
• agricultural and rural landless workers;
• construction workers;
• beedi workers;
• handloom and leather workers; and
• other workers in similar unorganised occupations.

₹3,000 Monthly Pension and Family Pension

An eligible subscriber who contributes regularly until age 60 is entitled to a minimum assured pension of ₹3,000 per month.

If the subscriber dies after pension has commenced, the spouse is entitled to receive 50% of the pension as family pension. Family pension is applicable only to the spouse.

If a subscriber dies before attaining age 60 after making regular contributions, the spouse may continue the scheme by paying the remaining contributions or may exit under the applicable withdrawal provisions.

Monthly Contribution: ₹55 to ₹200

The worker's contribution is fixed according to age at entry. The Central Government contributes an equal matching amount.

The prescribed contribution continues from enrolment until age 60 and is normally collected through auto-debit from the linked savings-bank or Jan-Dhan account.

Documents Required for Enrolment

The principal documents and details required are:

• Aadhaar card;
• savings-bank account or Jan-Dhan account details/passbook;
• bank IFSC details;
• mobile number and other contact details where available;
• spouse and nominee information; and
• self-certified eligibility and consent/auto-debit form.

How to Apply for PM-SYM

Through Common Service Centre

1. Visit the nearest Common Service Centre (CSC).
2. Carry Aadhaar and savings-bank/Jan-Dhan account details.
3. Provide the required personal, nominee and eligibility information.
4. The CSC operator verifies the details and calculates the age-based monthly contribution.
5. Pay the first contribution during enrolment.
6. Sign the enrolment-cum-auto-debit mandate.
7. Obtain the generated Shram Yogi Pension Account Number/card or acknowledgement.

Online Self-Enrolment

Eligible unorganised workers can also self-enrol through the official Maandhan portal, subject to the live portal process and authentication requirements.

Exit, Withdrawal, Default and Revival

PM-SYM has flexible exit provisions because unorganised-sector employment and income can be irregular.

• Exit before 10 years: the subscriber's own contribution is returned with savings-bank interest, subject to scheme rules.
• Exit after 10 years but before age 60: the subscriber receives his or her contribution with the applicable accumulated interest under the prescribed rules.
• Death before age 60: the spouse may continue the scheme or choose the applicable withdrawal option.
• Death after pension begins: the spouse receives 50% family pension.
• Default: an inactive account may be regularised by paying outstanding contributions and applicable penalty/charges.

The current administrative system includes modules for voluntary exit, involuntary exit, claim status, account statements and revival.

Current PM-SYM Enrolment and Government Contribution

As of 29 July 2026, more than 54 lakh beneficiaries had enrolled under PM-SYM across India.

Women accounted for approximately 53.1% of enrolled unorganised workers. The Central Government's matching contribution under the scheme had reached about ₹2,011.01 crore.

PM-SYM and e-Shram

PM-SYM is also integrated with the e-Shram ecosystem, allowing unorganised workers to connect with a broader range of Government social-security and employment-related services.

Key Points to Remember

• PM-SYM remains active in 2026.
• Entry age is 18-40 years.
• Monthly income must be ₹15,000 or less.
• The minimum assured pension is ₹3,000 per month after age 60.
• The worker contribution ranges from ₹55 to ₹200 per month depending on entry age.
• The Central Government makes an equal matching contribution.
• The spouse is eligible for 50% family pension after the pensioner's death.
• CSC and the Maandhan portal are the principal enrolment routes.
• More than 54 lakh beneficiaries were enrolled as of 29 July 2026.