Executive Summary:
The Ministry of Labour and Employment addresses the implementation of the Pradhan Mantri Shram Yogi Maandhan (PMSYM) scheme, a voluntary and contributory pension scheme launched in February 2019 for unorganized sector workers. The scheme provides a monthly assured pension of Rs. 3000 after the age of 60. As of 10.07.2025, 51,36,578 beneficiaries have been enrolled, including 1,84,251 in Madhya Pradesh.
Key Points / Main Content:
* **Scheme Overview:**
* PMSYM provides old age protection to unorganized sector workers.
* It is a voluntary and contributory pension scheme.
* A monthly assured pension of Rs. 3000 is provided after attaining 60 years of age.
* **Eligibility:**
* Workers aged 18 to 40 years with a monthly income of Rs. 15000 or less are eligible.
* Applicants should not be members of EPFO/ESIC/NPS/Govt. funded schemes.
* **Contribution:**
* Monthly contribution ranges from Rs. 55 to Rs. 200, based on the entry age.
* 50% of the monthly contribution is payable by the beneficiary, and an equal matching contribution is made by the Central Government.
* **Enrollment:**
* Enrollment is done through Common Service Centres (CSCs) or through self-enrollment on www.maandhan.in.
* **Beneficiary Statistics (as of 10.07.2025):**
* Total beneficiaries enrolled: 51,36,578 (including 5,06,603 bulk registrations).
* Beneficiaries registered in Madhya Pradesh: 1,84,251.
* Beneficiaries enrolled in Katni, Panna, and Chhatarpur (including Khajuraho constituency) districts: 4622, 2274, and 3209 respectively.
* **Measures for Scheme Effectiveness and Accessibility:**
* Periodic review meetings with States/UTs.
* Incentives for CSCs on every eligible person enrolled.
* Launch of new features: Voluntary Exit, Revival Module, Claim Status, and Account Statement.
* Extension of revival of dormant accounts from 1 year to 3 years.
* Two-way integration of PMSYM and eShram.
* SMS campaign to create awareness.
* Addressing Chief Secretaries of States regarding enrolment under PMSYM scheme.
Impact Analysis:
* **Unorganized Sector Workers:**
* Impact: Provides financial security in old age through a pension scheme.
* Action Required: Eligible workers should enroll in the scheme through CSCs or the online portal and make regular monthly contributions.
* **Common Service Centres (CSCs):**
* Impact: CSCs serve as enrollment centers and receive incentives for each successful enrollment.
* Action Required: Facilitate enrollment of eligible workers and ensure accurate documentation.
* **State Governments/UTs:**
* Impact: Required to participate in periodic review meetings and support the scheme's implementation.
* Action Required: Coordinate with the central government, conduct awareness campaigns, and ensure effective enrolment.
Key Entities Referenced
Pradhan Mantri Shram Yogi Maandhan (PMSYM): A pension scheme for unorganized workers in India, providing a monthly assured pension of Rs. 3000 after attaining the age of 60 years.
Ministry of Labour and Employment: The Indian government ministry responsible for labour and employment policies.
Vishnu Datt Sharma: Member of Parliament who raised a question in Lok Sabha regarding the implementation of the PMSYM scheme.
Mansukh Mandaviya: The Minister of Labour and Employment who provided the answer to the Lok Sabha question.
Madhya Pradesh: A state in India where the implementation of the PMSYM scheme is of particular interest in the context of the document.
Katni, Madhya Pradesh: A district in Madhya Pradesh with a specific number of beneficiaries enrolled under the PMSYM scheme.
Panna, Madhya Pradesh: A district in Madhya Pradesh with a specific number of beneficiaries enrolled under the PMSYM scheme.
eShram: A national database of unorganised workers, integrated with PMSYM.
GOVERNMENT OF INDIA
MINISTRY OF LABOUR AND EMPLOYMENT
LOK SABHA
STARRED QUESTION NO. 5
TO BE ANSWERED ON 21.07.2025
IMPLEMENTATION OF PM-SYM SCHEME
*5. SHRI VISHNU DATT SHARMA:
Will the Minister of LABOUR AND EMPLOYMENT be pleased to
state:
(a)whether the Government is implementing the Pradhan Mantri
Shram Yogi Maan-dhan (PM-SYM), a Pension Scheme for
unorganized workers in the country, especially in Madhya Pradesh;
(b)if so, whether the Government has mapped all the needy and
deserving beneficiaries in the districts of Katni, Panna and town of
Khajuraho in the Khajuraho Lok Sabha Constituency to extend the
benefits of this scheme to them;
(c)if so, the details thereof along with the measures taken/being
taken by the Government to make the scheme more effective and
accessible to all the needy people; and
(d)if not, the reasons therefor?
ANSWER
MINISTER OF LABOUR AND EMPLOYMENT
(DR. MANSUKH MANDAVIYA)
(a) to (d): A statement is laid on the Table of the House.
* *****STATEMENT REFFERED TO IN REPLY TO PART (a) TO (d) OF LOK
SABHA STARRED QUESTION NO. 5 FOR 21.07.2025 RAISED BY SHRI
VISHNU DATT SHARMA REGARDING IMPLEMENTATION OF PM-SYM
SCHEME.
(a) to (d): The Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM)
scheme was launched in February, 2019 in order to provide old age
protection to the workers of unorganised sector. This is a voluntary
and contributory pension scheme. Under the scheme, a monthly
assured pension of Rs. 3000/- is provided to the unorganised workers
after attaining the age of 60 years. The workers in the age group of
18 to 40 years whose monthly income is Rs. 15000/- or less and not a
member of EPFO/ESIC/NPS (Govt. funded) are eligible to join the
scheme. The monthly contribution amount ranges from Rs. 55/- to Rs.
200/-, depending upon the entry age of the beneficiary. Under the
scheme, 50% monthly contribution is payable by the beneficiary and
equal matching contribution is paid by the Central Government.
Enrolment in the Scheme is done through the Common Service
Centres, with its network of about 4 lakh Centres across the country.
Eligible unorganised workers can also self-enroll through visiting the
portal www.maandhan.in.
The number of beneficiaries enrolled under the Pradhan
Mantri Shram Yogi Maan-dhan (PM-SYM) scheme are 51,36,578
(including bulk registration of 5,06,603 beneficiaries) as on
10.07.2025. The number of beneficiary registered in the State of
Madhya Pradesh is 1,84,251 (as on 10.07.2025).
The number of beneficiaries enrolled under this scheme in
Katni, Panna and Chhatarpur (including Khajuraho constituency)
districts are 4622, 2274 and 3209 respectively (as on 10.07.2025).
The measures taken by the Government to make this
scheme more effective and accessible are as under:
(i) Holding periodic review meeting with States/ UTs.
(ii) Common Services Centres (CSCs) are given an incentive on every
eligible person enrolled in PM-SYM.
(iii) Launch of new features such as Voluntary Exit, Revival Module,
Claim Status and Account Statement.
(iv) Extension of revival of dormant accounts from 1 year to 3 years.
(v) Two-way integration of PM-SYM and eShram.
(vi) SMS campaign to create awareness.
(vii) Addressing Chief Secretaries of States regarding enrolment
under PM-SYM scheme.
*****