Pradhan Mantri Shram Yogi Mandhan Yojana : As you all know, the Central Government and the State Government keep launching many new schemes for laborers from time to time. In such a situation, a scheme has been launched for laborers. Its name is PM Suraksha Yogi Maandhan Yojana. Let us tell you that under this scheme, the beneficiary laborers are given assistance in the form of pension.
If you also do labour work and you are also interested to take advantage under this scheme and you want to apply, then your age should be between 18 years to 40 years. After this, the labourers working in the unorganized sector have to pay thousand rupees as pension at the age of 60 years. Let us tell you that under this scheme, people have to contribute every month. In this, pension is received as contribution.
Here is a table summarizing the key features of the Pradhan Mantri Shram Yogi Mandhan Yojana (PM-SYM):
| Feature | Details |
|---|---|
| Scheme Name | Pradhan Mantri Shram Yogi Mandhan Yojana (PM-SYM) |
| Launched By | Government of India |
| Launch Date | February 2019 |
| Objective | To provide social security in the form of a pension to unorganized sector workers |
| Eligibility Criteria | – Unorganized workers aged between 18 and 40 years |
| – Monthly income of Rs. 15,000 or below | |
| – Must not be an income tax payer | |
| – Should have a savings bank account and Aadhaar card | |
| Pension Amount | Rs. 3,000 per month after attaining the age of 60 |
| Contribution | Monthly contribution varies between Rs. 55 to Rs. 200 depending on the age of entry |
| Government Contribution | Equal contribution from the government matching the subscriber’s contribution |
| Withdrawal | – In case of exit before 10 years, only the subscriber’s share of contribution is returned |
| – Exit after 10 years but before 60 years, subscriber’s share + savings interest is returned | |
| – In case of death before 60 years, spouse can continue or exit the scheme | |
| Enrollment | Through Common Service Centers (CSCs) across the country |
| Administering Body | Ministry of Labour and Employment, Government of India |
| Official Website | PM-SYM |
The PM-SYM aims to provide financial security to workers in the unorganized sector through a sustainable pension system. For further details, you can visit the official website or contact the nearest Common Service Center.
Pm Suraksha Yogi Maandhan Yojana :
That is, in simple words, if you invest ₹ 100 in it, then ₹ 100 is given by the government, in such a situation you have to invest in it till the age of 60. Let us tell you that after the age of 60, you will be given a pension amount of ₹ 3000 every month under this scheme.
PM Suraksha Yogi Maandhan Yojana: How to get pension benefits under this scheme
Let us tell you all that the scheme has been started especially for laborers like mechanic, driver, plumber, garbage collector, tailor, mid-day milk worker, bidi maker, rickshaw puller, roadside vendor, leather worker, construction worker, handloom, agricultural worker, cobbler, washerman etc. have been included in this scheme.
PM Suraksha Yogi Maandhan Yojana: What are the conditions to avail this scheme?
- If you also want to take advantage of this scheme then it is very important for you to follow some conditions which are given below.
- Please note that the monthly income of workers taking advantage of this scheme should not exceed ₹15,000.
- After this, the password and Aadhaar number of the saving account or Jan Dhan account should be there.
- Any laborer who is interested in taking advantage of the scheme, his age should not be less than 18 years and not more than 40 years.
- Let us tell you that if any worker is taking advantage of any other pension scheme of the Central Government, then he will not be given pension amount under this scheme.
- Let us inform you that in case of failure to contribute his share, the letter member will be allowed to regularise the contribution along with interest.
- Let us tell you that if a person dies due to any reason, then his/her spouse will be given the option to run this scheme.
- Let us tell you that if the pensioner under this scheme dies after the age of 60 years, then his nominee will get 50 percent pension.
PM Suraksha Yogi Maandhan Yojana: Apply like this to avail the benefits
If you are also interested in applying for this scheme, then you have to follow the step by step information given below, after that you can apply easily.
- First of all, you will have to go to the Common Service Center for registration in PM Shram Yogi Mandhan Yojana.
- After that, you will have to provide details of Aadhaar card and savings account or Jan Dhan account.
- You can show passbook, cheque book or bank statement for approval.
- You will also be able to register a nominee while opening the account
- Let us tell you that once all your details are entered into the computer, you will get information about your contribution.
- After this you will have to give cash as contribution.
- After that your account will be opened and you will get Shram Yogi Card.