If you’re a worker in the unorganised sector or a small business owner, the central government’s new pension schemes could be a game-changer for your future. The Narendra Modi-led government has introduced two major pension schemes:
- Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) for unorganised sector workers
- National Pension Scheme (NPS) for traders and self-employed individuals
These schemes offer lifetime pension benefits after the age of 60 by contributing a small amount every month.
1. What is Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM)?
The PM-SYM scheme is designed for workers in the unorganised sector such as rickshaw pullers, street vendors, domestic workers, construction workers, agricultural laborers, etc. It ensures financial security during old age.
Eligibility:
- Age: 18 to 40 years
- Monthly income: ₹15,000 or less
- Must be working in the unorganised sector
Contribution & Benefit:
- A 30-year-old needs to deposit around ₹100/month
- After turning 60, they will receive ₹3,000/month
- If both husband and wife join, they get ₹6,000/month combined
- In case of death, spouse will receive 50% pension (₹1,500/month)
2. What is NPS for Traders & Self-Employed?
This scheme is meant for small traders, shopkeepers, and self-employed persons whose annual turnover is less than ₹1.5 crore.
Eligibility:
- Age: 18 to 40 years
- Annual turnover under GST: Less than ₹1.5 crore
- Aadhaar and savings/Jan Dhan account required
Benefit:
- Monthly pension of ₹3,000 after 60 years
- In case of death, spouse gets ₹1,500/month as family pension
3. How to Apply Online for PM-SYM or NPS?
You can register in just 2–3 minutes online with your Aadhaar and bank details.
🔗 Apply Here: https://maandhan.in
Steps to Register:
- Visit https://maandhan.in
- Click on Self Enrollment
- Enter your mobile number
- Log in to the portal
- Fill in all details and submit the form
✅ Required Documents:
- Aadhaar Card
- Bank passbook (Savings or Jan Dhan Account)
- Active Mobile Number
4. How to Apply Offline?
Visit the nearest Common Service Center (CSC) in your locality with your Aadhaar and bank details. The CSC agent will fill out your form online and provide a receipt – make sure to collect it.
To fill the form, search for the nearest center and click on the link given below 👇👇
For Service Center (CSC) 👉 Click here
5. What if Both Husband and Wife Want to Apply?
If both spouses are eligible, they can register individually for the scheme. Each will get ₹3,000/month, which means together they will receive ₹6,000/month – totaling ₹72,000 annually.
ગુજરાતીમાં વાંચવા માટે અહીં ક્લિક કરો.
Conclusion
This is a golden opportunity to secure your future with minimal investment. With just ₹200/month, you and your spouse can enjoy a comfortable retirement through a guaranteed ₹72,000 annual pension. The government has made registration quick and easy – don’t miss this chance.
👉 Disclaimer: Please read all the scheme terms and conditions carefully before applying. This post is for informational purposes only. For official support, visit a nearby CSC center.
Note:
Before adopting any health tips, consult a doctor. Because no one knows better than your doctor what is appropriate or how appropriate for your body
🚨 : Warning : 🚨
અમારી પોસ્ટ/ફોટો/કન્ટેટ વાપરતા લોકો એ ક્રેડિટ (Backlink) આપવી જરૂરી છે. નક્કર મુશ્કેલીમાં મુકાઈ શકો છો. અમે આશા રાખીયે છીએ અમારી મેહનત ને તમે Credit જરૂર આપશો.
Note:
Before adopting any health tips, consult a doctor. Because no one knows better than your doctor what is appropriate or how appropriate for your body