PM Shram Yogi Maandhan Yojana: ₹55/month for ₹3,000 Pension

"In the picture, a daily wage labourer is seen doing his work on the roadside. The pain of hard work is clearly visible on his face. "

In fact, this picture is the identity of crores of unorganized workers who do not have PF, gratuity or any pension system. Street vendors, rickshaw pullers, agricultural labourers, domestic workers - they all fall in this category. PM-SYM scheme has been made for these workers so that they do not have to depend on anyone in old age.

In this picture, the logo of PM-SYM is clearly visible on the government document. The main points of the plan are highlighted. "

Come to think of it, this is no ordinary plan. This shows the commitment of the central government when it guarantees to put a pension of Rs 3,000 per month in the pocket of every unorganised worker. Launched by Prime Minister Narendra Modi, the scheme aims to create a system where no worker is destitute in old age. This is not just a pension scheme, it is a promise of financial security.

In the picture, a young man is seen holding a Rs 55 note. In front of him is placed a bouquet, which symbolizes regular savings. "

Wouldn't you be surprised? Rs. 55. This is the amount that the person joining the scheme at the age of 18 years has to deposit every month. The price of one day's tea - breakfast. But when it is deposited regularly for 42 years, then at the age of 60, it becomes a pension of Rs 3,000 per month. And the best part - the government also puts the same amount in your account. That is, you put 55, the government puts 55, a total of 110 rupees are added to your future every month

In this picture, the two are seen hugging each other. On one side is the labourer's hand and on the other side is the hand representing the government. "

This picture shows the partnership which is the biggest feature of this scheme. This is the co-contributory model - you deposit, the government also contributes equally. That is, the government also has an equal stake in your future. This system gives big returns to small savers. By the way, this scheme is not for people associated with EPFO, ESIC or NPS, because they already have a pension system.

The infographic shows a chart showing the amount of monthly contributions by age. "

This picture is the roadmap of this scheme. Rs 55 for 18 years, Rs 80 for 25 years, Rs 105 for 30 years, Rs 150 for 35 years and Rs 200 for 40 years. The sooner you join, the less you will have to give and the more you will get the benefit. You can't join this scheme after the age of 40, so don't delay. Imagine, if someone joins at the age of 18, he gets a pension of Rs 3,000 after 60 years by depositing just Rs 55 a month

In this picture, workers line up outside a Common Service Centre (CSC). A person inside is registering on a computer. "

And that's where the real story begins. This Common Service Center (CSC) is the place from where registration is done in this scheme. See how workers are thronging CSC centres in villages, towns and cities. You just need to carry your Aadhaar card, bank or Jan Dhan account information and mobile number. The computer system on the CSC will automatically tell the amount of the monthly installment according to your age. Complete the registration process as soon as the first payment is received.

"A labourer is smiling happily with a Shram Yogi card in his hand. The logo of PM-SYM and its name are printed on the card. "

See, this is the Shram Yogi card that you get after registration. This is not just a card, it is a guarantee of your future security. With this card, you make regular contributions every month till the age of 60 and then after 60, Rs 3,000 starts coming to your bank account every month. Keep this card, it is the key to your pension.

"An elderly woman is sitting with a picture of her husband. He has a pension passbook in his hand. The picture conveys the message of family security. "

This picture shows the most humane feature of the scheme. What happens if the pensioner dies? So will the family be left without support? No. There is a provision in the scheme that on the death of the member, his spouse will continue to get 50% family pension. That is, if the worker was getting Rs 3,000, then the wife / husband will get Rs 1,500 per month after death. This is a safety net that every family needs.

"In this picture, the eligibility conditions are written on a white board. People are reading it in front of the board. "

This picture is the answer to the questions that come to the mind of every willing worker. Who can apply?

Monthly income: Less than Rs 15,000

Workers in the unorganized sector (street vendors, rickshaw pullers, domestic workers, agricultural workers, tailors, plumbers, drivers, handloom workers, beedi workers, cobblers, washermen etc.)

Who can't?

People associated with EPFO, ESIC or NPS

income tax payer

If you fit these conditions, this plan is for you.

"In this picture, a man is signing papers. In front of him is a money counting machine, which symbolizes withdrawal. "

What happens if you leave the plan in the middle? This picture answers the question. If you leave the plan within 10 years, you get the deposit back with the bank interest rate. If you leave after 10 years, the deposit amount + the interest earned as per the scheme. If the instalment cannot be deposited for a few months, then the scheme can be reactivated by depositing the balance with interest later. Just keep in mind, the more time you stay in the plan, the more benefit you will get.

"An elderly man is looking at his bank balance on his mobile phone. An entry of ₹3,000 is seen on the screen. "

This is the moment when 42 years of regular savings bear fruit. After the age of 60 years, on the date of every month, Rs 3,000 comes in your bank account. This digital payment system ensures that there is no middleman, no delay. You can withdraw money from any ATM or use UPI anywhere. This is the reward of your hard work, the fruit of your savings.

In the picture, a call centre agent is seen wearing headphones. The number '1800-267-6888' appears on the screen. "

The biggest challenge in any planning is access to the right information. In this picture, the helpline which is the backbone of this scheme is seen. If you have any problem, any question, any information - just call 1800-267-6888. This toll-free number is ready to help you from all over the country. A team is ready to answer all your questions.

"An elderly couple is smiling happily with their grandchildren. There is a sense of satisfaction and security on their faces. "

This last picture shows the real purpose of this scheme. A family where the elderly do not become a burden on their children, but help to bear the expenses of the family with their pension. This is the dream of the PM-SYM scheme - the old age of every worker should be respectable, self-reliant. A small saving of 55 rupees a month can become a big relief tomorrow if not today. If you are eligible for this scheme, then go to your nearest CSC today and get your Shram Yogi Card made.