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Kerala PSC - Pradhan Mantri Shram Yogi Maan-dhan


The scheme is meant for old age protection and social security of Unorganised Workers (UW) who are mostly engaged as rickshaw pullers, street vendors, mid-day meal workers, head loaders, brick kiln workers, cobblers, rag pickers, domestic workers, washer men, home-based workers, own account workers, agricultural workers, construction workers, beedi workers, handloom workers, leather workers, audio - visual workers or in similar other occupations.

It is a voluntary and contributory pension scheme, under which the subscriber would receive the following benefits:

(i) Minimum Assured Pension: Each subscriber under the PM-SYM, shall receive minimum assured pension of Rs 3000/- per month after attaining the age of 60 years.

(ii) Family Pension: During the receipt of a pension, if the subscriber dies, the spouse of the beneficiary shall be entitled to receive 50% of the pension received by the beneficiary as a family pension. Family pension is applicable only to a spouse.

(iii) If a beneficiary has given a regular contribution and died due to any cause (before age of 60 years), his/her spouse will be entitled to join and continue the scheme subsequently by payment of regular contribution or exit the scheme as per provisions of exit and withdrawal.

Eligibility Criteria
(i) Should be an unorganised worker (UW)
(ii) Entry age between 18 and 40 years
(iii) Monthly Income ₹15000 or below

He/ She should possess
(i) Aadhar card
(ii) Savings Bank Account / Jan Dhan account number with IFSC


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