Read or download the official PDF of this gazette notification issued by the Ministry of Labour and Employment on 3rd August 2026. Classified under Press Release.
Executive Summary
The Pradhan Mantri Shram Yogi Maandhan (PM-SYM) is a voluntary and contributory pension scheme launched in February 2019 to provide old-age protection for unorganised sector workers. As of July 29, 2026, over 54 lakh beneficiaries have enrolled, with pension disbursements scheduled to commence in February 2039 for those reaching age 60. Recent government initiatives focus on improving retention and awareness through portal integration and extending the revival period for dormant accounts from one year to three years.
Key Points / Main Content
Eligibility and Benefits
Target Group: Unorganised workers aged 18 to 40 with a monthly income of Rs. 15,000 or less.
Exclusions: Individuals covered under EPFO, ESIC, or NPS (Govt. funded), and income tax assessees are ineligible.
Pension Amount: An assured monthly pension of Rs. 3,000 is provided after attaining the age of 60.
Contribution Structure: Beneficiaries pay a monthly contribution ranging from Rs. 55 to Rs. 200 based on entry age, with a matching 50% contribution provided by the Central Government.
Enrollment and Current Status
Total Enrollment: More than 54 lakh beneficiaries are enrolled as of late July 2026.
Gender Participation: Women constitute 53.1% of the total enrolled unorganised workers.
Financial Scope: The Central Government’s matching contribution has reached Rs. 2,011.01 crore.
Enrollment Channels: Registration is conducted through approximately 4 lakh Common Service Centres (CSCs) or via self-enrollment at www.maandhan.in.
Operational Enhancements and Retention Measures
Account Revival: The period to revive dormant accounts—often caused by non-payment due to bank account issues—has been extended from one year to three years.
New Features: Introduction of a Revival Module, Voluntary Exit options, Claim Status tracking, and digital Account Statements.
Integration: Two-way integration with the eShram portal to streamline worker data.
Outreach: Implementation of nationwide special registration drives, SMS awareness campaigns, and periodic review meetings with States and Union Territories.
Impact Analysis
Unorganised WorkersImpact
Eligible workers gain access to long-term financial security and a guaranteed social security net for their old age.
Action Required
Eligible individuals must enroll via CSCs or the online portal and ensure sufficient bank balances for regular monthly auto-debit contributions.
Common Service Centres (CSCs)Impact
CSCs serve as the primary facilitators for the scheme and receive specific incentives for enrolling eligible beneficiaries.
Action Required
CSCs must utilize their network to assist workers with registration and provide support for account management.
State and Union Territory AdministrationsImpact
Local governments are responsible for driving enrollment and participation within their respective jurisdictions.
Action Required
Chief Secretaries must coordinate nationwide registration drives and participate in periodic review meetings to monitor scheme progress.
Key Entities Referenced
Pradhan Mantri Shram Yogi Maandhan (PM-SYM): A voluntary and contributory pension scheme for unorganised sector workers that provides a monthly assured pension of Rs. 3000 after the age of 60.
Ministry of Labour & Employment: The primary Union Ministry responsible for the implementation and oversight of the PM-SYM scheme.
Common Service Centres (CSCs): A network of service delivery points across India used as the primary channel for enrolling beneficiaries into the PM-SYM scheme.
eShram portal: A digital platform for unorganised workers integrated with PM-SYM to facilitate registration and awareness generation.
Ministry of Labour & Employment
PRADHAN MANTRI SHRAM YOGI MAANDHAN
(PM-SYM)
Over 54 Lakh Beneficiaries Enrolled Under PM-SYM Across
the Country
प्रव तथ: 03 AUG 2026 5:33PM by PIB Delhi
Pradhan Mantri Shram Yogi Maandhan (PM-SYM) scheme was launched in February, 2019 in order to
provide old age protection to the workers of the 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 Employees Provident Fund
Organization (EPFO)/Employees' State Insurance Corporation (ESIC)/National Pension System (NPS)
(Contributed by Central Govt.) or not an income tax assessee 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-enrol through visiting the portal www.maandhan.in.
As on 29.07.2026, more than 54 lakh beneficiaries have been enrolled under the PM-SYM scheme across
the country. The participation of women unorganised workers in this scheme is 53.1%. The 50 percent
matching contribution of the Government under the PM-SYM Scheme across the country is Rs. 2,011.01
crore. Further, pension to the beneficiaries will start after attaining the age of 60 years. Since the scheme
was launched in February, 2019, the disbursement of pension will start not before February, 2039.
Under the PM-SYM Scheme, subscriber accounts may become inactive primarily due to non-payment of
the prescribed monthly contribution, which may occur on account of insufficient balance in the
subscriber's bank account, change or closure of the linked bank account, or lack of continued awareness
regarding regular contributions.
The steps taken by the Government to improve retention, increase participation and increase awareness are
as under:
(i) Holding periodic review meetings with States/UTs.
(ii) Providing incentives to Common Services Centres (CSCs) for enrolling eligible beneficiaries under the
PM-SYM scheme.
(iii) Launch of new features such as Voluntary Exit, Revival Module, Claim Status and Account
Statement.
(iv) Extension of the revival period of dormant accounts from one year to three years.(v) Two-way integration of PM-SYM with eShram portal.
(vi) Conducting SMS campaigns for awareness generation.
(vii) Addressing Chief Secretaries of States/UTs regarding enrollment under the PM-SYM Scheme.
(viii) Organize nationwide special registration drive for enrolment of unorganised workers under the
scheme.
This information was given by the Union Minister of State for Labour & Employment, Sushri Shobha
Karandlaje in a written reply in Lok Sabha today.
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Rini Choudhury/Anjelina Alexander
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