The Indian government has rolled out a remarkable pension scheme that directly benefits the backbone of the nation’s workforce, the unorganized sector. From street vendors and daily wage laborers to gig workers and rickshaw pullers, the E-Shram Card Pension Scheme offers financial assurance to those who have long been outside the safety net of traditional employment benefits.
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Through this initiative, officially known as the Pradhan Mantri Shram Yogi Maandhan (PMSYM), eligible workers are promised a monthly pension of ₹3,000 after turning 60, provided they make small monthly contributions during their working years. This move aims to bring dignity, stability, and support to the country’s most hardworking yet economically vulnerable citizens.
Highlights of the Scheme
Guaranteed monthly pension of ₹3,000 post-retirement
Equal contribution from the Central Government
Simple and quick enrollment at CSC centers or online through the official portal
Voluntary and contributory model designed for long-term savings and security
Who Can Apply for the ₹3,000 Pension?
To qualify for this pension scheme, applicants must meet the following conditions:
Age Limit: Must be between 18 and 40 years old at the time of joining
Monthly Income: Should not exceed ₹15,000
Employment Type: Must work in the unorganized sector (e.g., domestic help, construction workers, drivers, small farmers, etc.)
Not Enrolled In: EPFO, ESIC, or NPS
Required Documents:
- Valid Aadhaar number linked with mobile
- Savings bank account (preferably Aadhaar-linked)
- Age proof (if Aadhaar doesn’t show accurate DOB)
- Income self-declaration
- Valid E-Shram card
Enrollment Process: How to Register for PMSYM
Offline Registration
Visit your nearest Common Service Centre (CSC)
Submit Aadhaar card, mobile number, and bank account details
The CSC operator will complete your form online
Make your first monthly contribution
Receive confirmation and your PMSYM membership ID
Online Registration
Visit the official website: maandhan. in
Select “Pradhan Mantri Shram Yogi Maandhan”
Verify Aadhaar with OTP
Fill in personal, employment, and banking details
Set up auto-debit for monthly contributions
Submit and save your PMSYM Number
Once enrolled, you must keep contributing monthly until the age of 60. After that, you’ll start receiving your ₹3,000 monthly pension—automatically credited to your account.
Monthly Contribution Based on Age
| Age at Enrollment | Your Monthly Contribution | Government’s Contribution | Total Monthly Amount |
|---|---|---|---|
| 18 Years | ₹55 | ₹55 | ₹110 |
| 20 Years | ₹76 | ₹76 | ₹152 |
| 25 Years | ₹106 | ₹106 | ₹212 |
| 30 Years | ₹150 | ₹150 | ₹300 |
| 35 Years | ₹210 | ₹210 | ₹420 |
| 38 Years | ₹240 | ₹240 | ₹480 |
| 40 Years | ₹250 | ₹250 | ₹500 |
Note: Contributions must continue without break until you reach 60.
Key Benefits for Workers
Lifetime pension of ₹3,000 per month after retirement
Government matches every rupee you contribute
Easy exit options in case of financial hardship
Nominee benefits—your spouse or legal heir gets the money if anything happens to you
Helps build long-term savings for a more secure old age
Why This Scheme Matters
For millions of workers in India’s informal economy, old age often means no steady income and heavy dependence on family. The E-Shram Pension Scheme is a powerful step towards changing that narrative—offering dignity and security to those who build the nation, brick by brick.
Whether you’re a domestic worker, street vendor, laborer, or part-time helper, this pension plan offers a path to financial freedom in your later years.
Disclaimer: We cannot guarantee that the information provided on this page is 100% accurate.
