PM Shram Yogi Maandhan Yojana 2026

PM Shram Yogi Maandhan Yojana 2026 :- The Government of India has launched the Pradhan Mantri Shram Yogi Maandhan (PM-SYM) scheme to provide financial security to workers in the unorganized sector. Under this scheme, eligible workers will receive a guaranteed monthly pension of ₹3,000 after attaining the age of 60.

Quick Highlights of PM Shram Yogi Maandhan Yojana 2026

Key Benefits of the PM Shram Yogi Maandhan Yojana 2026

1. Guaranteed Pension: A fixed pension of ₹3,000/month after the age of 60.
2. Matching Contribution: This is a 50:50 scheme. If a worker contributes ₹100, the Central Government also deposits ₹100 into their account.
3. Family Pension: If the beneficiary dies, the spouse is entitled to receive 50% of the pension amount.
4. Easy Exit: If a member leaves the scheme before 10 years, only their contribution with savings bank interest will be returned.

Eligibility Criteria

To apply for this PM Shram Yogi Maandhan Yojana 2026, you must fulfill the following:

1. Occupation: Must be an unorganized worker (e.g., Maid, Driver, Cobbler, Construction worker, etc.).
2. Age: Between 18 and 40 years.
3. Income: Monthly income should be ₹15,000 or less.
4. Exclusions: Should not be a member of EPFO, ESIC, or NPS (Govt. funded), and should not be an income taxpayer.

Monthly Contribution Chart (Sample)

The contribution amount depends on the entry age:

Entry Age	Monthly Contribution (Worker)	Govt. Contribution	Total Monthly Deposit
18 Years	₹55	₹55	₹110
25 Years	₹80	₹80	₹160
30 Years	₹105	₹105	₹210
40 Years	₹200	₹200	₹400

How to Apply Online (Step-by-Step)

1. Visit Portal: Go to the official website maandhan.in.
2. Self-Enrollment: Click on “Self-Enrollment” and log in using your Mobile Number and OTP.
3. Enter Details: Fill in your Aadhaar number, Name, and Bank Account details.
4. Auto-Debit: Set up the “Auto-Debit” facility so the monthly contribution is deducted automatically from your bank.
5. Download Card: Once the first contribution is paid, your Shram Yogi Pension Card will be generated instantly.

6. Note: You can also visit any CSC (Common Service Center) near you to apply for this scheme offline.

7. Important Documents Required

• Aadhaar Card.
• Savings Bank Account / Jan Dhan Account (with IFSC Code).
• Active Mobile Number.
• Nominee Details.

Disclaimer

This information is provided for general awareness only. We are not an official government entity. For the latest updates and detailed terms, please visit the official Ministry of Labour website or contact your nearest CSC center.