The Government of India launched the PM Pension Yojana (PM Shram Yogi Maandhan Yojana) to provide financial security in old age, especially for workers in the unorganized sector (असंगठित क्षेत्र). Under this scheme, eligible individuals receive a ₹3000 monthly pension after turning 60.
In this detailed guide, you will learn how the scheme works, who can apply, required documents, contribution (योगदान) process, and complete benefits.
What is PM Pension Yojana (PM-SYM)?
PM-SYM is a voluntary (स्वैच्छिक) and contributory (योगदान आधारित) pension scheme for low-income workers.
The main aim is to provide a stable income during old age to those who do not have access to EPF, ESIC, or any other pension system.
This scheme works on a matching contribution model, which means the amount you deposit every month is equally deposited by the government.
How to Get ₹3000 Monthly Pension Under PM Pension Yojana?
To receive the ₹3000 monthly pension after 60 years of age, you must:
1. Register Between 18–40 Years of Age
Anyone within this age range can enroll in the scheme.
2. Contribute a Small Monthly Amount
Your monthly contribution is based on your age. The older you are at the time of registration, the higher the contribution.
3. Government Matches Your Contribution (समान योगदान)
If you deposit ₹100 per month, the government will also deposit ₹100 into your pension account.
4. Receive ₹3000 Pension After Turning 60
Once you complete 60 years of age, the scheme activates your monthly pension (मासिक पेंशन) of ₹3000.
Monthly Contribution Chart (Age-Wise)
| Age | Your Monthly Contribution | Govt Contribution |
|---|---|---|
| 18 years | ₹55 | ₹55 |
| 25 years | ₹80 | ₹80 |
| 30 years | ₹100 | ₹100 |
| 35 years | ₹150 | ₹150 |
| 40 years | ₹200 | ₹200 |
Who Can Apply? (Eligibility – पात्रता)
You can join the scheme if:
✔ Age is between 18–40 years
✔ Monthly income is less than ₹15,000
✔ You work in the unorganized sector (असंगठित क्षेत्र)
✔ You are not paying income tax
✔ You are not part of EPF, ESIC, or NPS
Best suited for:
- Laborers (मजदूर)
- Small shopkeepers
- Rickshaw drivers
- Domestic workers
- Plumbers & electricians
- Street vendors
- Daily wage workers
Required Documents (दस्तावेज़)
- Aadhaar Card
- Bank Passbook
- Mobile Number
- Age Proof (if required)
How to Register for PM Pension Yojana?
Method 1: Register Through CSC Center
This is the easiest method.
Steps:
- Visit your nearest CSC Center
- Provide Aadhaar + Bank Passbook + Mobile Number
- Operator will enter your details into the PM-SYM portal
- Your first contribution will be deposited on the spot
- You will receive a confirmation SMS
Method 2: Self-Registration (Online)
- Visit the official PM-SYM website
- Enter Aadhaar number
- Provide bank details
- Set up auto-debit mandate
- Submit the form
Registration is completed in just a few minutes.
Major Benefits of PM Pension Yojana
1. Guaranteed Pension (गारंटीड पेंशन)
You will receive ₹3000 every month after 60 years of age—lifetime.
2. Matching Contribution from Government
Whatever you contribute, the government contributes the same amount.
3. Family Pension
If the subscriber dies, the spouse receives ₹1500/month.
4. Auto-Debit Facility
No need to remember monthly payments.
5. Exit Option Available
If you want to exit the scheme before 60, your money + interest will be returned.
What Happens if You Stop Paying Midway?
If auto-debit fails or you miss a payment:
- You can restart the contribution anytime
- The scheme remains active
- No penalty for reactivation
Can You Withdraw Money Before 60?
Yes, you can withdraw your deposited amount + interest in special situations:
- Death before 60
- Permanent disability
- Voluntary exit
Conclusion
PM Pension Yojana 2025 is one of India’s most beneficial schemes for workers in the unorganized sector (असंगठित क्षेत्र). By contributing a small monthly amount, you secure a guaranteed ₹3000 monthly pension after 60.
If your age is between 18–40 years and your income is below ₹15,000, you should definitely enroll in this scheme to ensure financial safety in
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