Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM)
🎯 Objectives
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Social Security: Offer financial security to unorganised workers during their old age.
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Pension Assurance: Provide a minimum assured pension of ₹3,000 per month after attaining the age of 60 years.
👥 Eligibility Criteria
To enroll in PM-SYM, individuals must:
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Age: Be between 18 and 40 years.
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Income: Have a monthly income of ₹15,000 or less.
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Employment: Be engaged in the unorganised sector (e.g., street vendors, rickshaw pullers, agricultural workers).
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Exclusions: Not be covered under EPFO, ESIC, or NPS.
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Tax Status: Not be an income taxpayer.
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Documentation: Possess an Aadhaar card, a savings bank account, and an active mobile number.
💰 Contribution Details
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Contribution Amount: Varies based on the age at entry, ranging from ₹55 to ₹200 per month.
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Government's Share: The Central Government matches the subscriber's contribution.
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Payment Mode: Contributions are auto-debited from the subscriber's bank account.
🏦 Pension Benefits
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Monthly Pension: ₹3,000 per month after attaining 60 years of age.
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Family Pension: In case of the subscriber's demise, the spouse receives 50% of the pension as family pension.
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Joint Enrollment: If both spouses enroll, they are eligible for a combined pension of ₹6,000 per month.
🔄 Exit and Withdrawal Provisions
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Exit Before 10 Years: Subscriber's contribution returned with savings bank interest.
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Exit After 10 Years but Before 60 Years: Subscriber's contribution returned with interest earned by the fund or savings bank interest, whichever is higher.
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Death Before 60 Years: Spouse can continue the scheme or exit with the subscriber's contribution and interest.
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Permanent Disability: Similar provisions as in the case of death before 60 years.
📝 Enrollment Process
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Visit CSC: Go to the nearest Common Service Centre (CSC).
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Provide Documents: Submit Aadhaar card, savings bank account details, and mobile number.
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Initial Contribution: Pay the first month's contribution in cash.
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Auto-Debit Setup: Subsequent contributions are auto-debited from the bank account.
📞 Grievance Redressal
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Helpline: 1800 2676 888 (available 24x7).
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Email: ShramYogi@nic.in
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Online Portal: Complaints can also be registered through the official web portal or app.
📌 Key Highlights
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Target Beneficiaries: Approximately 42 crore unorganised sector workers in India.
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Scheme Type: Central Sector Scheme administered by the Ministry of Labour and Employment.
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Implementation Partners: Life Insurance Corporation (LIC) and Common Services Centres (CSCs).
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