Sarkari Yojana
Pradhan Mantri Shram Yogi Maan-dhan
About Pradhan Mantri Shram Yogi Maan-dhan
Launched by the Ministry of Labour and Employment, Government of India, Pradhan Mantri Shram Yogi Maan-dhan works to secure old-age protection for unorganised workers. It offers a minimum assured pension of ₹3,000/- per month once the subscriber turns 60, backed by matching government contributions, plus a family pension of 50% of that amount for the surviving spouse. To join, an applicant must be an unorganised worker aged 18 to 40 at entry, earning ₹15,000/- or less a month, and must keep up regular, age-specific monthly contributions. The Life Insurance Corporation of India and Common Services Centres carry out the scheme.
Scheme Overview
Central Government
Ministry Of Labour and Employment
Individual
Scheme Details
Eligibility Requirements
To qualify for Pradhan Mantri Shram Yogi Maan-dhan, applicants must satisfy the following conditions:
Applicants must be unorganised workers
Applicants must be unorganised workers.
Applicants' entry age must fall between 18 and…
Applicants' entry age must fall between 18 and 40 years.
Applicants must earn ₹15,000/- or less per month
Applicants must earn ₹15,000/- or less per month.
Applicants must hold a Savings Bank Account or…
Applicants must hold a Savings Bank Account or Jan Dhan account number along with its Indian Financial System Code.
Applicants must own a mobile phone
Applicants must own a mobile phone.
Benefits Provided
Pradhan Mantri Shram Yogi Maan-dhan provides the following benefits to eligible applicants:
The subscriber receives a minimum assured pension…
The subscriber receives a minimum assured pension of ₹3,000/- per month once they turn 60 years old.- The Central Government matches this on a 50:50 basis, crediting the pension account with an amount equal to the subscriber's age-specific contribution (ranging from ₹55/- to ₹200/-).
During the receipt of the pension, if the…
During the receipt of the pension, if the subscriber dies: The beneficiary's spouse becomes entitled to a family pension equal to 50% of what the beneficiary was receiving. If a beneficiary has given regular contributions and died due to any cause before the age of 60 years: The spouse may join and keep the scheme running by continuing the regular contributions. If a beneficiary has given regular contributions and died due to any cause before the age of 60 years, and the spouse decides to exit: The beneficiary's contribution is returned along with accumulated interest — whichever is higher between what the fund has actually earned or the savings bank interest rate. If the subscriber exits the scheme within a period of less than 10 years: Only the beneficiary's own share of contribution is returned, along with savings bank interest. If the subscriber exits after a period of 10 years or more but before the superannuation age of 60 years: The beneficiary's share of contribution is returned along with accumulated interest — whichever is higher between what the fund has actually earned or the savings bank interest rate.
Documents Required
Applicants should keep the following documents ready before starting the application:
An Aadhaar Card
An Aadhaar Card.
A Savings Bank Account Passbook or Jan-Dhan Account…
A Savings Bank Account Passbook or Jan-Dhan Account Passbook.
A mobile number
A mobile number.
Self-Certification, provided at the time of enrolment
Self-Certification, provided at the time of enrolment.
Any other document that may be required
Any other document that may be required.
How to Apply
Online - via CSC Application
Applicants can apply for Pradhan Mantri Shram Yogi Maan-dhan through the online - via csc application process outlined below.
An eligible, interested person must visit the nearest…
An eligible, interested person must visit the nearest Common Services Centre (CSC) to start the registration and enrolment process.
The Village Level Entrepreneur (VLE) at the CSC…
The Village Level Entrepreneur (VLE) at the CSC keys the Aadhaar number, the subscriber's name exactly as it appears on the Aadhaar card, and the date of birth into the system, and these get instantly verified against the UIDAI database.
The VLE also records further applicant details —…
The VLE also records further applicant details — Bank Account information, Mobile Number, Email-id, spouse, and nominee details — into the registration portal, along with a self-certification confirming the applicant meets the required eligibility conditions.
The system automatically works out the exact monthly…
The system automatically works out the exact monthly contribution due based on the subscriber's entry age. The subscriber then pays the full first subscription in cash to the VLE, who issues a receipt in return.
An Enrolment Form cum Auto Debit mandate is…
An Enrolment Form cum Auto Debit mandate is printed and must be physically signed by the subscriber; the VLE then scans this signed document and uploads it into the system.
A unique Shram Yogi Pension Account Number is…
A unique Shram Yogi Pension Account Number is generated instantly, and a Shram Yogi Card is printed on the spot at the CSC. The subscriber leaves with this printed card along with a signed copy of the enrolment form for their records. Next Steps
The subscriber receives regular SMS alerts on their…
The subscriber receives regular SMS alerts on their registered mobile number about activation of the auto-debit facility, along with an additional mini-statement message sent automatically after every successful monthly deduction.
The mandatory monthly subscription is auto-debited on a…
The mandatory monthly subscription is auto-debited on a fixed date each month from the subscriber's linked savings or Jan-Dhan account, so the subscriber must keep enough funds available to ensure the contribution — plus any applicable penalty or interest — goes through successfully.
GRIEVANCE REDRESSAL AND HELP SUPPORT
A dedicated Call Centre and Project Management Unit, overseen closely by the National Social Security Board, administer the scheme. Subscribers with grievances can reach the official customer care number 1800 267 6888 round the clock.
The dedicated web portal and mobile application also include a built-in facility for lodging complaints and raising issues digitally.
Online Application
Applicants can apply for Pradhan Mantri Shram Yogi Maan-dhan through the online application process outlined below.
The subscriber must visit the official Pradhan Mantri…
The subscriber must visit the official Pradhan Mantri Shram Yogi Maan-dhan web portal or download the dedicated mobile application onto their device, which lets them manage registration conveniently online.
The subscriber self-registers using their Aadhaar number along…
The subscriber self-registers using their Aadhaar number along with their savings bank account or Jan-Dhan account number, on a self-certification basis. This step digitally captures the financial details needed to authorise the scheme's required automated monthly contributions. Next Steps
The subscriber receives regular SMS alerts on their…
The subscriber receives regular SMS alerts on their registered mobile number about activation of the auto-debit facility, along with an additional mini-statement message sent automatically after every successful monthly deduction.
The mandatory monthly subscription is auto-debited on a…
The mandatory monthly subscription is auto-debited on a fixed date each month from the subscriber's linked savings or Jan-Dhan account, so the subscriber must keep enough funds available to ensure the contribution — plus any applicable penalty or interest — goes through successfully.
GRIEVANCE REDRESSAL AND HELP SUPPORT
A dedicated Call Centre and Project Management Unit, overseen closely by the National Social Security Board, administer the scheme. Subscribers with grievances can reach the official customer care number 1800 267 6888 round the clock.
The dedicated web portal and mobile application also include a built-in facility for lodging complaints and raising issues digitally.
Exclusions / Who Is Not Eligible
**The applicant must not be -**
- An income tax payer.
- Engaged in the organized sector.
- Holding membership in the Employees' Provident Fund Organization scheme.
- Holding membership in the National Pension Scheme.
- Holding membership in the Employees' State Insurance Corporation scheme.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.