Government of India continues to support the welfare of unorganised sector workers through the Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) in 2025. This pension scheme aims to provide old-age financial security to workers who often lack access to structured retirement plans.
Whether you’re a street vendor, rickshaw puller, construction worker, or daily wage earner, PM-SYM 2025 could be your gateway to a secure retirement.
What is PM-SYM Yojana?
PM-SYM is a voluntary and contributory pension scheme launched by the Ministry of Labour and Employment in February 2019. It targets unorganised workers earning ₹15,000 or less per month and provides them with a monthly pension of ₹3,000 after the age of 60.
Key Features of PM-SYM 2025
- Monthly Pension: ₹3,000 after attaining 60 years of age.
- Government Contribution: The government matches your monthly contribution.
- Family Pension: In case of the subscriber’s death, 50% of the pension is given to the spouse.
- Age to Join: Between 18 to 40 years.
- Voluntary Exit: Exit options available with a refund of contributions and interest.
Who Can Apply? – Eligibility Criteria
To enroll in PM-SYM 2025, you must:
- Be an Indian citizen.
- Be between 18 and 40 years of age.
- Have a monthly income of ₹15,000 or less.
- Not be a taxpayer.
- Not be covered under EPFO, NPS, or ESIC.
- Have a savings bank account and an Aadhaar card.
Contribution Chart (Age-wise)
| Age | Monthly Contribution | Total by Government |
|---|---|---|
| 18 | ₹55 | ₹55 |
| 25 | ₹80 | ₹80 |
| 30 | ₹100 | ₹100 |
| 35 | ₹130 | ₹130 |
| 40 | ₹200 | ₹200 |
Contributions are auto-debited from the subscriber’s bank account.
How to Apply for PM-SYM Yojana 2025
Online Registration via CSC:
- Visit the nearest Common Service Centre (CSC).
- Provide Aadhaar card, savings account details.
- Fill in the registration form with help from the VLE (Village Level Entrepreneur).
- Pay the initial contribution.
- Get a printed PM-SYM Pension Card.
Self-Enrollment via Official Portal:
You can also register online via:
🔗 https://maandhan.in
Documents Required
- Aadhaar Card
- Savings Bank Account Passbook / Jan Dhan Account
- Mobile Number
- Passport-size Photo
Benefits of Pradhan Mantri SYM Yojana
- Secure Retirement: Get a stable monthly pension after 60.
- Dual Contribution: Govt matches your contribution.
- Flexible Exit: In case of exit, you get your contribution with interest.
- Widow Pension: 50% pension to the spouse after subscriber’s death.
Contact & Helpline
- Toll-Free Helpline: 1800-267-6888 / 14434
- Official Website: https://maandhan.in
- Ministry Website: https://labour.gov.in/pm-sym
Latest Updates in 2025
- More urban workers are registering online via Maandhan portal.
- Over 51 lakh+ workers enrolled nationwide.
- Top states include Uttar Pradesh, Maharashtra, Gujarat, and Haryana.
- The scheme is being integrated with Digital India for faster tracking and pension disbursal.
