Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM)
In simple words
A voluntary pension scheme for unorganised workers aged 18 to 40.
What you may get
An assured pension of Rs 3,000 a month, starting at age 60. Government adds a matching contribution.
Who it is for
Unorganised workers aged 18 to 40 with monthly earnings up to Rs 15,000.
Main eligibility conditions
- Age 18 to 40.
- Monthly earnings up to Rs 15,000.
- You pay a contribution and the government matches it.
Conditions we could not check
- Monthly earnings up to Rs 15,000.
- Must be an unorganised worker.
- Participation is voluntary and contributory.
- Exclusions such as EPFO, ESIC or NPS membership and income tax were not on the page read. Helpline on the page: 14434.
Documents you may need
We could not confirm a document list. Check the official source.
How to apply
- See the official Maandhan website for how to enrol.
Detailed application steps could not be confirmed. Open the official source below.
Application fee
We could not confirm an application fee.
Application dates
- Current deadline could not be confirmed. Check the official source.
Official information
Department: Ministry of Labour and Employment, Maandhan portal
Last checked: 24 September 2026
We could not confirm an official application link. Please use the official source below.
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LABHLO Summary. Not an official government document.
LABHLO is not a government website. Final eligibility and approval are decided by the relevant government authority. Check the official source before applying.
Do not pay anyone just because they promise scheme approval. Check payment requirements on the official government source.
Questions and answers
Answers come only from the official information we checked.
Who can apply?
Unorganised workers aged 18 to 40 with monthly earnings up to Rs 15,000.
How much is the benefit?
An assured pension of Rs 3,000 a month, starting at age 60. Government adds a matching contribution.
What is the age limit?
The listed age range is 18 to 40 years.
Which documents are needed?
We could not confirm this from the official information we checked.
How can I apply?
We could not confirm this from the official information we checked.
Is it open now, and what is the last date?
We could not confirm this from the official information we checked.
Can I apply online?
We could not confirm this from the official information we checked.
Is there an application fee?
We could not confirm this from the official information we checked.
Is there an official PDF?
We have not found an official PDF for this scheme.
Where each fact comes from
- eligibility: Maandhan portal
- benefit: Maandhan portal
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Final eligibility is decided by the government authority.
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