Enrol in PM-SYM if you are an unorganised worker aged 18–40 earning less than ₹15,000 per month.
Jurisdiction
Central — PM Shram Yogi Maan-dhan (PM-SYM) Scheme, Ministry of Labour and Employment. Implemented through LIC of India and Common Service Centres (CSC).
Who applies
Unorganised sector workers (home-based workers, street vendors, midday meal workers, head loaders, brick kiln workers, cobblers, rag pickers, domestic workers, washer men, rickshaw pullers, landless labourers, farmers, etc.) aged 18–40 years with monthly income up to ₹15,000, not covered under any other government-funded pension scheme.
Typical time
Enrolment: 15–30 minutes at a CSC or online via the maandhan.in portal. Pension commencement: on the 60th birthday of the subscriber.
Fee
No enrolment fee. Monthly contribution ranges from ₹55 (age 18) to ₹200 (age 40) per month — matched equally by the Government of India. Total contribution (subscriber + govt) is actuarially computed to deliver ₹3,000/month pension.
| # | Document | Type needed | Purpose |
|---|---|---|---|
| 1 | Aadhaar card | Original | Mandatory for identity and biometric verification at CSC during enrolment; used for all subsequent transactions. |
| 2 | Savings bank passbook / bank account details | Original | Bank account used for auto-debit of monthly contributions via NACH (National Automated Clearing House) mandate; pension credited to same account at age 60. |
| 3 | Mobile number (Aadhaar-linked or active) | Original | OTP received on mobile for Aadhaar-based verification during online/CSC enrolment; also used for scheme communications. |
| 4 | Self-declaration of eligibility | Download / Print | Subscriber self-declares that income is below ₹15,000/month and that they are not covered under any other pension scheme. No income proof required — declaration is sufficient. |
| 5 | Nominee details (name, relationship, Aadhaar) | Soft copy (PDF) | Nominee receives 50% of the pension (₹1,500/month) as family pension if the subscriber dies after age 60. Details captured during enrolment. |
Original documents: Carry originals only for in-person visits — do not hand them over permanently unless explicitly required.
Confirm that you are aged 18–40, earn below ₹15,000/month from unorganised work, and are not an EPF/ESIC/NPS member or income tax payer. Identify your contribution amount based on entry age (e.g., ₹55/month if enrolling at 18, ₹100/month at 29, ₹200/month at 40).
Locate the nearest CSC using the CSC locator at https://locator.csccloud.in or on the maandhan.in portal. Carry your Aadhaar card and savings bank passbook in original. The CSC Village Level Entrepreneur (VLE) will complete the enrolment process on your behalf.
The VLE enters your details on the PM-SYM portal using your Aadhaar. Your identity is verified via Aadhaar biometric (fingerprint) or OTP on the Aadhaar-linked mobile. Confirm personal details, nominee details, and contribution amount.
Provide your bank account number and IFSC to set up a NACH (National Automated Clearing House) auto-debit mandate. The monthly contribution is auto-debited from your account on the specified date. Ensure account always has sufficient balance on the debit date.
After successful enrolment, the system generates a unique PM-SYM subscriber ID and an enrolment acknowledgement. Download or collect the PM-SYM e-card (subscriber card) which contains your subscriber number. Keep this card safely — it is needed for future transactions and pension claim.
Visit https://maandhan.in and click 'Self Enrollment'. Log in with Aadhaar OTP. Fill in personal details, bank details, and nominee information. Pay the first month's contribution online. Self-enrolment does not require a CSC visit — suitable for those with smartphones and Aadhaar-linked mobile.
Ensure auto-debit succeeds every month. If auto-debit fails due to insufficient balance, manually pay the overdue contribution with a default charge of simple interest within the rectification period. Consistent payment is essential — default for 3 months or more may lead to suspension of the account.
Common Service Centre (CSC), Ministry of Electronics and IT
Enrolment — performs biometric Aadhaar verification and registers the subscriber on the PM-SYM portal.
Completes the physical enrolment at the CSC, captures subscriber details, and registers the NACH mandate.
Life Insurance Corporation of India
Fund management — manages the PM-SYM pension fund and computes / disburses monthly pension at age 60.
Manages the actuarial fund, credits monthly contributions, and disburses ₹3,000/month pension after age 60.
Ministry of Labour and Employment
Policy oversight — handles escalations, grievances, and scheme modifications.
Oversees scheme implementation, resolves subscriber complaints, and manages CSC coordination.
Self-enrolment, contribution payment, subscriber status check, CSC locator, subscriber card download.
Find the nearest Common Service Centre for offline enrolment assistance.
Mobile-based PM-SYM enrolment, contribution status, subscriber card download.
The monthly contribution is auto-debited by NACH. If your bank account lacks sufficient funds, the debit fails. Repeated failures (generally 3 or more consecutive months) can result in account suspension. Reinstatement requires payment of all arrears with interest. Set a monthly reminder and maintain at least ₹200 buffer in your account on the debit date.
The government runs three Maan-dhan schemes — PM-SYM (for unorganised workers), Pradhan Mantri Kisan Maan-dhan (for small farmers), and PM Laghu Vyapari Maan-dhan (for small traders). You can enrol in only one. Attempting to enrol in two will result in rejection.
Unlike NPS contributions, PM-SYM contributions do not qualify for Section 80C or 80CCD tax deductions. However, pension received at 60 is expected to be minimal for most subscribers (below taxable threshold) and pension benefits from PM-SYM are not specifically tax-exempt by a separate notification as of current date.
If a subscriber exits voluntarily before age 60 (within 10 years), they receive only their own contributions with savings bank interest. After 10 years, they receive contributions + accumulated interest per LIC's rate. Full pension of ₹3,000/month starts only from age 60 after completing the entire tenure.
If the subscriber dies after age 60, the spouse receives 50% of the pension (₹1,500/month) as family pension. If the subscriber dies before 60 (regular contribution period), the spouse may continue the scheme by making contributions or withdraw the corpus. Ensure nominee details are correctly captured and updated if the nominee changes.
CSC VLEs receive a service fee from the government for PM-SYM enrolment. They should not charge the subscriber any additional enrolment fee. If a VLE demands money, refuse and report it to the CSC helpline (1800 121 3468).