Pradhan Mantri Shram Yogi Maandhan (PM-SYM) Yojana 2025 – Full Guide with Contribution Chart

The Pradhan Mantri Shram Yogi Maandhan (PM-SYM) is one of the most important pension schemes for unorganised sector workers in India. Launched in 2019 by the Government of India, this scheme is specially designed to support small workers such as street vendors, rickshaw pullers, agricultural labourers, construction workers, domestic helpers, and other self-employed workers with low income.

Pradhan Mantri Shram Yogi Maandhan (PM-SYM) Pension Yojana Eligibility, Benefits & Contribution Chart

In this article, we will cover every detail of PM-SYM including eligibility, features, enrollment process, benefits, FAQs, and most importantly, the complete age-wise contribution chart from 18 to 40 years. If you are an unorganised worker or want to help someone get enrolled, this guide will be very useful.

📑 Table of Contents

What is Pradhan Mantri Shram Yogi Maandhan (PM-SYM)?
Eligibility Criteria
Key Features of PM-SYM
Benefits of the Scheme
Age-wise Contribution Chart (18–40 Years)
Enrollment Process
Required Documents
Frequently Asked Questions (FAQs)
Conclusion
Official Links

🌟 What is PM-SYM?

PM-SYM is a voluntary and contributory pension scheme for unorganised sector workers whose monthly income is below ₹15,000. The subscriber contributes a fixed amount every month (between ₹55 and ₹200 depending on age), and the Government of India contributes an equal amount to the pension fund. Once the subscriber reaches the age of 60, he/she will receive a guaranteed pension of ₹3,000 per month.

✅ Eligibility Criteria

Age between 18 and 40 years at the time of joining.
Monthly income must be less than ₹15,000.
Should not be an income taxpayer.
Should not be a member of EPFO, ESIC, or NPS.
Must have a valid Aadhaar card and bank account (Jan Dhan/regular savings account).

🔑 Key Features of PM-SYM

Government provides equal contribution to the pension fund.
Subscribers get ₹3,000 per month pension after 60 years of age.
After subscriber’s death, the spouse will get 50% pension.
Easy enrollment through Common Service Centres (CSCs).
Simple exit policy: contribution amount will be returned with interest if subscriber exits early.

💰 Benefits of the Scheme

This scheme is highly beneficial for workers in the unorganised sector. Some of the major benefits include:

Financial Security: Provides fixed monthly income after 60 years.
Family Protection: Spouse receives pension after the subscriber’s death.
Affordable Contribution: Starts from just ₹55 per month.
Government Support: Equal contribution by the central government.
Social Security: Helps lakhs of poor workers live with dignity.

📊 Age-wise Contribution Chart (18–40 Years)

The monthly contribution depends on the age of the subscriber. Here is the complete chart:

Age at Entry (Years)	Monthly Contribution by Subscriber (₹)	Monthly Contribution by Government (₹)	Total Monthly Contribution (₹)
18	55	55	110
19	58	58	116
20	61	61	122
21	64	64	128
22	68	68	136
23	72	72	144
24	76	76	152
25	80	80	160
26	85	85	170
27	90	90	180
28	95	95	190
29	100	100	200
30	105	105	210
31	110	110	220
32	120	120	240
33	130	130	260
34	140	140	280
35	150	150	300
36	160	160	320
37	170	170	340
38	180	180	360
39	190	190	380
40	200	200	400

📝 Enrollment Process

Visit your nearest Common Service Centre (CSC).
Provide your Aadhaar card and bank account/Jan Dhan account.
Pay your first month’s contribution in cash or digitally.
Get an auto-generated PM-SYM card as proof of enrollment.

📄 Required Documents

Aadhaar Card
Bank Passbook/Jan Dhan account details
Mobile number
Recent passport size photo

❓ Frequently Asked Questions (FAQs)

Q1. What is the minimum and maximum age to join PM-SYM?

Minimum age is 18 years, maximum is 40 years.

Q2. How much pension will I get?

After 60 years of age, you will receive ₹3,000 per month.

Q3. Can I exit before 60?

Yes, you can exit early. Your contribution will be returned with interest or savings bank rate, whichever is higher.

Q4. What if the subscriber dies?

Spouse will get 50% of the pension as family pension.

Q5. Can government employees join?

No, only unorganised sector workers are eligible.

📌 Conclusion

The Pradhan Mantri Shram Yogi Maandhan (PM-SYM) is a very powerful pension scheme that ensures financial security for poor and unorganised workers in India. With minimum contributions starting from just ₹55 per month, lakhs of workers can secure a dignified old age. Every unorganised worker between 18 and 40 years should seriously consider enrolling in this scheme.

🔗 Official Links

🌐 Official PM-SYM Portal 🌐 maandhan.in Registration

Download PM_SYM_Contribution_Table PDF

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👨‍💼 Author: PARTHASARATHI PANDA (M.Com)
Blogger | YouTuber | Digital Creator
Sharing knowledge to empower students, workers, and farmers with free online content.

Pradhan Mantri Shram Yogi Maandhan (PM-SYM) Pension Yojana: Eligibility, Benefits & Contribution Chart