Pradhan Mantri Shram Yogi Mandhan Yojana (PMSYM) 2025 is a pension scheme that supports workers in the unorganized sector who often face money troubles. To help them, the government has started this pension plan. Under this scheme, workers earning ₹15,000 or less a month will get a pension after they turn 60 years old.
Overview of Pradhan Mantri Shram Yogi Mandhan Yojana 2025
This scheme began on 15th February and aims to give a monthly pension of ₹3,000 to workers in the unorganized sector after they turn 60. To apply, workers should be between 18 and 40 years old. Government employees, EPF members, NPS members, and ESIC subscribers cannot join. Also, applicants should not be income taxpayers.
Purpose of Shram Yogi Mandhan Yojana 2025
The main goal of PMSYM is to give financial support to workers in the unorganized sector by providing them with a ₹3,000 monthly pension starting at age 60. It helps them live independently and cover their expenses in old age. The government aims to make these workers financially secure and independent.
Scheme Details
| Scheme Name | Pradhan Mantri Shram Yogi Mandhan Yojana |
| Launched By | Finance Minister Mr. Piyush Goyal |
| Launch Date | 1st February |
| Start Date | 15th February |
| Beneficiaries | Unorganized Sector Workers |
| Approximate Number of Beneficiaries | 10 Crore |
| Monthly Contribution | ₹55 to ₹200 |
| Monthly Pension | ₹3,000 |
| Category | Central Government Scheme |
| Official Website | https://maandhan.in/shramyogi |
Main Details about PMSYM 2025
- Workers aged 18 to 40 from the unorganized sector can apply.
- Monthly income should be ₹15,000 or less.
- Applicants must not be getting any other pension scheme benefits.
- A ₹3,000 monthly pension is given after 60 years of age.
- Government employees and income taxpayers are not eligible.
- You can pay contributions monthly, quarterly, half-yearly, or yearly.
- If the beneficiary dies, 50% of the pension goes to the nominee.
- No educational qualification is needed to apply.
Benefits on Withdrawal
- If you withdraw before 10 years, you get only your contribution plus bank interest.
- If you withdraw after 10 years but before age 60, you receive your contribution with interest.
- If the beneficiary dies, the spouse can continue the contributions to keep the benefits going.
- After both spouse and beneficiary pass away, the fund amount will be returned.
How PMSYM 2025 Works
- LIC is the main agency managing this pension scheme.
- You pay monthly premiums to LIC offices.
- After the scheme period ends, LIC will pay the pension directly to your bank account.
- You can visit the nearest LIC office or the official website for more information.
Who Can Benefit?
- Unorganized workers such as drivers, rikshaw pullers, cobblers, tailors, laborers, domestic helpers, brick kiln workers, and others.
- Provides financial security after retirement with ₹3,000 monthly pension starting at 60 years old.
- The government matches your monthly contribution with the same amount.
- After your death, your wife will receive half of the pension amount regularly.
How to Apply for PMSYM 2025
- Visit the nearest Common Service Center (CSC) with documents like Aadhaar, bank passbook, and mobile number.
- Submit your documents and the CSC agent will fill the application form for you.
- Get a printed copy of the application and keep it safe.
Online Self Enrollment Process
- Go to the official website: https://maandhan.in/shramyogi
- Click on ‘Click Here To Apply Now’.
- Select ‘Self Enrollment’ and enter your mobile number.
- Fill in your name, email ID, captcha code, and then generate OTP.
- Enter OTP to verify, then complete the application form and upload the needed documents.
- Submit the application and save the printout for future reference.
Apply Through CSC VLE
- Visit the official website and click ‘Click Here To Apply Now’.
- Click on the CSC VLE link to log in with your username and password.
- Under Schemes, choose Shram Yogi Mandhan Yojana and fill out the form.
- Upload the necessary documents and submit the form.
Sign In Process
- Go to the official website and click on the ‘Sign In’ option.
- Choose between Self Enrollment or CSC VLE login.
- Enter your username, password, and captcha code.
- Click ‘Sign In’ to access your account.
How to Donate Pension
- On the official website, click ‘Donate a Pension’.
- Log in using Self Login or CSC VLE.
- Enter the payment details and complete the payment.
- This way, you can contribute or support others.
Contact Info
Joint Secretary and Director General (Labour Welfare), Ministry of Labour and Employment, Government of India
- Helpline: 1800 267 6888
- Email: vyapari@gov.in, shramyogi@nic.in