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Pradhan Mantri Shram-Yogi Maandhan (PMSYM) Yojana




  • The Government on 15 Feb, 2019 launched a mega pension yojana namely 'Pradhan Mantri Shram-Yogi Maandhan' for the unorganised sector workers with monthly income upto Rs. 15,000. The scheme was announced in the Interim Budget 2019-20.
  • The pension scheme shall provide the unorganized workers an assured monthly pension of Rs. 3,000 from the age of 60 years on a monthly contribution of a small affordable amount during their working age.
  • An unorganised sector worker joining pension yojana at the age of 29 years will have to contribute only Rs. 100 per month till the age of 60 years.
  • A worker joining the pension yojana at 18 years, will have to contribute as little as Rs. 55 per month only.
  • A worker joining at the age of 40 will have to contribute Rs.200 till the age of 60. Beneficiaries above the age of 40 are not eligible.
  • The Government will deposit equal matching share in the pension account of the worker every month.
  • It is expected that at least 10 crore labourers and workers in the unorganised sector will avail the benefit of 'Pradhan Mantri Shram-Yogi Maandhan' within next five years making it one of the largest pension schemes of the world.
  • A sum of Rs. 500 crore has been allocated for the Scheme. Additional funds will be provided as needed. The scheme will also be implemented from the current year.
  • The beneficiaries of the scheme are the unorganized sector workers such as as street vendors, rickshaw pullers, construction workers, rag pickers, agricultural workers, beedi workers, handloom, leather and in numerous other similar occupations.



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