PM Shram Yogi Maandhan Yojana 2025

The Pradhan Mantri Shram Yogi Maandhan Yojana (PMSYM) 2025 is a government-backed pension scheme aimed at supporting unorganized sector workers. These workers, including street vendors, daily wage laborers, and small-scale workers, often lack financial security in their old age. To provide them with a fixed pension after 60 years, the government launched this scheme. By contributing a small monthly amount, eligible workers can secure their future with a monthly pension of ₹3,000. The scheme is administered by the Ministry of Labour & Employment and is designed to ensure social security for workers in the informal sector. This scheme is highly beneficial for those who do not have access to formal pension plans and struggle with financial instability in their later years. The PMSYM Yojana empowers workers by encouraging them to save small amounts consistently, ensuring they receive monetary assistance when they need it the most.

The scheme works on a contributory basis, meaning that the government matches the worker’s monthly contribution. For example, if a 29-year-old worker contributes ₹100 per month, the government will also contribute ₹100, ensuring a solid pension fund over time. This system allows workers to build their retirement corpus without financial burden, as the contribution is minimal. The Pradhan Mantri Shram Yogi Maandhan Yojana is an essential initiative that provides financial stability and dignity to millions of laborers across India. It is an excellent opportunity for unorganized workers to invest in their future with minimal effort and maximum benefits. With easy registration and government support, the scheme ensures that individuals who work tirelessly throughout their lives can enjoy a worry-free retirement, free from financial hardship.

About Prime Minister Shram Yogi Maandhan Scheme

The PMSYM Yojana was launched to provide social security to millions of unorganized workers in India. These workers, such as street vendors, construction workers, small shopkeepers, and agricultural laborers, do not have access to formal pension schemes. To address this issue, the government introduced this scheme to offer them a monthly pension after retirement. By contributing a small amount each month, they can build a secure future. The scheme ensures that financial difficulties do not burden them in old age and helps them lead a respectable and independent life. The government has launched various schemes to support workers and youth, such as the Prime Minister Internship Scheme, to provide opportunities for skill development and financial security.

PMSYM 2025 Scheme Highlights

Feature	Details
Scheme Name	Pradhan Mantri Shram Yogi Maandhan Yojana 2025
Launched By	Government of India
Ministry	Ministry of Labour & Employment
Beneficiaries	Unorganized sector workers
Pension Amount	₹3,000 per month after 60 years of age
Contribution Amount	₹55 to ₹200 per month (based on entry age)
Government Contribution	Equal to worker’s contribution
Application Mode	Online & Offline
Official Website	maandhan.in

Objective/Motive of PMSYM Yojana 2025

• To provide financial security to unorganized sector workers.
• To offer a fixed pension of ₹3,000 per month after retirement.
• To encourage workers to save for their old age with minimal monthly contributions.
• To ensure that informal workers receive equal financial support from the government.
• To promote social welfare and financial independence among daily wage earners.
• To reduce the financial vulnerability of unorganized workers in their old age.
• To help workers create a stable income source after they stop working.

Benefits of PMSYM Yojana 2025

• Workers get a guaranteed pension of ₹3,000 per month after 60 years.
• Equal government contribution ensures better financial stability.
• Automatic deduction from bank accounts makes savings easier.
• The spouse will receive 50% of the pension as a family pension after the subscriber’s death.
• Tax benefits under Section 80C of the Income Tax Act.
• Workers can exit the scheme anytime with a refund of their contribution along with interest.

Eligibility Criteria

• The applicant must be between 18 and 40 years old.
• Must belong to the unorganized sector (street vendors, laborers, small traders, etc.).
• Monthly income should be below ₹15,000.
• Must have an Aadhaar-linked bank account.
• Should not be covered under EPFO, ESIC, or NPS.

Contribution

Age at Entry	Monthly Contribution (by Worker)	Equal Contribution by Government
18 years	₹55	₹55
20 years	₹65	₹65
25 years	₹80	₹80
30 years	₹105	₹105
35 years	₹150	₹150
40 years	₹200	₹200

Required Documents

• Aadhaar Card (for identity verification).
• Bank Passbook with account details.
• Income Certificate (to prove eligibility).
• Mobile Number (for communication and verification).

How to Apply for PMSYM Yojana 2025

• Visit the official website: Go to https://maandhan.in/.

• Register with Aadhaar: Use your Aadhaar number for authentication (Login here).

• Enter personal details: Fill in your name, age, income, and other required details.

• Choose contribution amount: Select your monthly contribution as per your age.
• Link bank account: Provide your bank details for auto-deduction.
• Apply: After verification, your PMSYM account will be activated.
• Receive confirmation: You will get a pension card and scheme enrollment details.

If you are also looking for career opportunities along with financial security, check out the PM Internship Scheme for more details.

FAQs

1. What is the Pradhan Mantri Shram Yogi Maandhan Yojana?
   It is a pension scheme for unorganized workers that provides ₹3,000 per month after retirement.
2. Who is eligible for the PMSYM Yojana?
   Workers aged 18-40 years with an income below ₹15,000 per month are eligible.
3. How much do I need to contribute?
   Depending on your entry age, you need to contribute between ₹55 to ₹200 per month.
4. How can I apply for the scheme?
   You can apply online at https://maandhan.in/ or visit a nearby Common Service Center (CSC).
5. What happens if a worker dies?
   The spouse will receive 50% of the pension as a family pension.

The Pradhan Mantri Shram Yogi Maandhan Yojana 2025 is a great step towards financial stability for unorganized workers. Eligible individuals should enroll today to secure their future with a guaranteed pension!