Pension Scheme

e-Shram & PM-SYM: Automated Pension
Enrollment & ₹3,000 Guarantee

Dec 28, 2025 6 min read

The 10th update is the culmination of the e-Shram mission. In late 2025, the Ministry of Labour finalized the One-Stop-Solution (OSS) architecture, linking the massive informal workforce to the Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) pension scheme with a single click.

The Golden Promise

Guaranteed minimum assured pension of ₹3,000 per month (₹36,000/year) for unorganized workers once they reach age 60.

1 Core Benefits & Contributions

50:50 Contribution

You pay ₹55-₹200/month (based on age). The Central Government matches your amount exactly.

Family Pension

If the subscriber passes away during the payout period, the spouse receives 50% pension (₹1,500/month).

2 Eligibility (Strict 2025 Rules)

  • Occupation: Unorganized worker (Street vendor, construction, agriculture, etc.)
  • Age: 18 to 40 years. (Younger entry = lower premium).
  • Income: Monthly income ₹15,000 or less.
  • Exclusions: No EPFO, ESIC, NPS members. No income tax payers.

3 The "One-Click" Enrollment Process

No need to visit separate portals anymore.

  1. Log into e-Shram portal with UAN & OTP.
  2. Click the new "Pension Enrollment" button.
  3. Auto-Fetch: System pulls Aadhaar and bank details automatically.
  4. e-Mandate: Set up Auto-Debit via UPI or Bank for the monthly premium.
  5. Get Card: A digital "Shram Yogi Maandhan Card" is instantly generated in your DigiLocker.

Flexible Exit & "Donate-a-Pension"

Exit Protection

Exit < 10 years: Get contribution + savings interest.
Exit > 10 years: Get contribution + fund interest (higher of the two).

Donate-a-Pension

Employers (like shop owners or households) can now pay the annual premium for their help directly on the portal, securing their future.

Summary of 2025 Integration

Feature Details
Monthly Pension ₹3,000 (after age 60)
Entry Age 18 to 40 years
Monthly Premium ₹55 to ₹200 (Govt Matches 100%)
Family Benefit 50% Pension to Spouse

Print Your Pension Card

Enrolled in PM-SYM? Print your Shram Yogi Maandhan Card on a durable PVC card to keep it safe for decades.

Create PVC Pension Card