The Government of India continues to strengthen social security for the nation’s workforce. One of the most impactful initiatives is the Pradhan Mantri Shram Yogi Maan-Dhan (PM-SYM) pension scheme 2025, which provides financial stability to unorganised sector workers. With the September 2025 update, workers will receive a guaranteed monthly pension of ₹3,000 after the age of 60.
This scheme is a major support system for daily wage earners, domestic workers, street vendors, and others in the unorganised sector who usually lack formal retirement savings.
Why the PM-SYM Pension Scheme 2025 Matters
Unorganised sector workers contribute significantly to the economy but face uncertainty in old age. The unorganised workers pension under PM-SYM offers:
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Steady monthly income post-retirement
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Government-backed financial protection
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Security for workers and their families
Key Highlights of the PM-SYM Scheme September 2025
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₹3,000 monthly pension after turning 60
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Enrollment age: 18–40 years
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Contribution as low as ₹55 per month
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Central government matches the worker’s contribution
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Available to street vendors, construction workers, domestic workers, agricultural labourers, and others
PM-SYM Eligibility 2025
| Criteria | Details |
|---|---|
| Age Limit | 18–40 years |
| Monthly Income | Up to ₹15,000 |
| Employment Type | Unorganised sector workers |
| Government Employees | Not eligible |
| Other Pension/EPF/ESIC Members | Not eligible |
| Contribution | Monthly until age 60 |
How to Apply for PM-SYM Pension Scheme 2025
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Visit the nearest Common Service Centre (CSC)
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Provide Aadhaar card and bank account details
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Fill the PM-SYM application form
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Pay the first contribution in cash
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Receive the pension card after successful enrollment
Benefits of PM-SYM for Unorganised Workers
The unorganised workers pension under PM-SYM ensures:
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Guaranteed monthly pension of ₹3,000
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Equal government contribution to savings
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Family pension support for spouse in case of early death
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Easy enrollment with Aadhaar and bank account
FAQs on PM-SYM Pension Scheme 2025
Q1. What is the monthly pension under the PM-SYM scheme?
Eligible unorganised workers will receive ₹3,000 per month after turning 60.
Q2. Who can apply for the PM-SYM pension scheme 2025?
Unorganised sector workers aged 18–40 years with income below ₹15,000 and not covered by EPF/ESIC or other pension schemes.
Q3. How much do workers need to contribute?
Contributions range from ₹55 to ₹200 per month, based on the worker’s age at enrollment.
Q4. What happens if the subscriber dies before 60?
The spouse can either continue the scheme or receive a family pension equal to 50% of the benefit.
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