good news for laborers get e282b93000 monthly pension under pm shram yogi maandhan yojana apply today

Good News for Laborers: Get ₹3,000 Monthly Pension Under PM Shram Yogi Maandhan Yojana – Apply Today

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The Government of India offers financial security to unorganized sector workers with a guaranteed monthly pension. Here’s how you can apply and benefit from this life-changing scheme.

PM Shram Yogi Maandhan Yojana: A Boon for Daily Wage Earners

New Delhi, May 6, 2025 In a major welfare initiative aimed at providing old-age financial security to the country’s working poor, the Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) promises a monthly pension of ₹3,000 to unorganized sector workers after they turn 60 years old.

PM Shram Yogi Maandhan Yojana

Launched in 2019 by Prime Minister Narendra Modi, this scheme continues to support millions of daily wage laborers, construction workers, and other informal sector employees across India.

So far, over 30 crore workers have either applied or shown interest in benefiting from this central government pension scheme.

Who Is Eligible for the ₹3,000 Monthly Pension?

The scheme is exclusively meant for unorganized sector workers who lack access to any formal social security or pension framework. Eligible workers include:

  • Construction laborers

  • Rickshaw pullers

  • Domestic helpers

  • Garbage collectors

  • Washermen (Dhobis)

  • Cobblers

  • Street vendors

  • Landless agricultural laborers

  • Brick kiln workers

  • Mid-day meal workers

  • Head-loaders

  • Farmers and small-scale rural workers

If your monthly income is ₹15,000 or less, and you fall within the 18 to 40 years age group, you are eligible to enroll in this scheme.

Key Features of PM Shram Yogi Maandhan Yojana

  • Monthly Pension: ₹3,000 after the age of 60

  • Contribution Period: Minimum 20 years

  • Minimum Entry Age: 18 years

  • Maximum Entry Age: 40 years

  • Matching Contribution by Government: The central government matches the worker’s monthly contribution to the fund

This means if a worker contributes ₹100 every month, the government will also contribute ₹100—doubling the savings.

Monthly Contribution Chart

Age at Entry Monthly Contribution Govt Contribution Total Monthly Investment
18 years ₹55 ₹55 ₹110
25 years ₹100 ₹100 ₹200
30 years ₹150 ₹150 ₹300
40 years ₹200 ₹200 ₹400

This affordable contribution structure ensures that even the poorest of workers can participate in building a secure post-retirement life.

How to Apply for the PM-SYM Scheme

Eligible workers can register through any of the Common Service Centres (CSCs) across India. Here is a step-by-step guide:

  1. Visit your nearest CSC with the following:

    • Aadhaar card

    • Bank account details

    • Mobile number

  2. Fill in the PM-SYM enrollment form

  3. The CSC representative will upload your details into the official portal

  4. Your monthly contribution will begin, and a pension card will be issued

You can also check more details or locate a CSC near you by visiting the official website: https://maandhan.in

Why This Scheme Is Important

India’s unorganized sector accounts for nearly 90% of the total workforce, most of whom do not have access to pensions, health insurance, or formal savings. The PM Shram Yogi Maandhan Yojana empowers such workers to retire with dignity and financial independence, without relying on others in their old age.

It also promotes the culture of long-term savings, encouraging economic inclusion at the grassroots level.

Important Notes for Applicants

  • The applicant must not be an income tax payer

  • Cannot be a member of EPFO, ESIC, or NPS

  • Contribution should be made consistently until the age of 60

  • In case of the subscriber’s death, the spouse is eligible to continue the scheme or receive a family pension

  • Exit and withdrawal options are available under specific conditions like disability or financial distress

Conclusion: Secure Your Future with ₹3,000 Monthly Pension

The Pradhan Mantri Shram Yogi Maandhan Yojana is a golden opportunity for India’s working poor to ensure a secure and self-reliant future. With minimal monthly investment and full support from the government, workers in the unorganized sector can now dream of a retirement free from financial anxiety.

If you or someone you know is eligible, don’t wait—visit your nearest CSC and enroll today.

Author Profile

Ganpat Singh Chouhan
Ganpat Singh Chouhan
My name is Ganpat Singh Choughan. I am an experienced content writer with 7 years of expertise in the field. Currently, I contribute to Daily Kiran, creating engaging and informative content across a variety of categories including technology, health, travel, education, and automobiles. My goal is to deliver accurate, insightful, and captivating information through my words to help readers stay informed and empowered.