Central
₹1,000-5,000/mo
Atal Pension Yojana
Guaranteed monthly pension of ₹1,000-₹5,000 after age 60 for the unorganised sector.
Central Government Scheme
· Active · Delhi
Pradhan Mantri Shram Yogi
Maandhan Yojana (PM-SYM)
PM-SYM is a voluntary, contributory pension scheme for unorganised-sector workers, guaranteeing a fixed monthly pension of ₹3,000 after age 60 in return for a small monthly contribution that is matched equally by the Central Government. Apply now in Delhi with expert guidance from Varahii Consultancy.
Entry Age: 18 to 40 years
Guaranteed Pension: ₹3,000 per month after age 60
Monthly Contribution: ₹55 to ₹200, depending on age at entry
Government Matching: Equal matching contribution by the Central Government
Fund Manager: Life Insurance Corporation of India (LIC)
Status: Active
City: Delhi
₹3,000 /mo
Guaranteed Pension After 60
₹55-200
Monthly Contribution Range
50:50
Govt. Matching Contribution
18-40 yrs
Eligible Entry Age
What is Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM)?
PM-SYM is a voluntary, contributory pension scheme for unorganised-sector workers, guaranteeing a fixed monthly pension of ₹3,000 after age 60 in return for a small monthly contribution that is matched equally by the Central Government.
Many applicants in Delhi lose weeks to incomplete paperwork or missed eligibility steps. Our team in Delhi reviews your case first, so you only submit once everything is in order.
Objective: To provide old-age income security to unorganised workers — such as street vendors, domestic workers, construction labourers and rickshaw pullers — who have no access to formal pension or social security systems.
Who is this for in Delhi?
Street vendors, rickshaw pullers and head-loaders
Domestic workers, washermen and construction labourers
Agricultural workers, beedi workers, handloom and leather workers
Any unorganised-sector worker with a monthly income of ₹15,000 or below
Eligibility Criteria – Delhi
To apply for Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) Delhi, applicants must meet the following conditions:
Age: 18 to 40 years at the time of enrolment
Income: Monthly income of ₹15,000 or less
Sector: Must be engaged in the unorganised sector with no coverage under EPFO, NPS, or ESIC
Documents Needed: Valid Aadhaar card, savings bank account, and registered mobile number
Not Eligible: Members already covered under EPFO, NPS (Government co-contributory), or ESIC, Income-tax payers, Workers already enrolled in Atal Pension Yojana or a similar Maandhan pension scheme
Who is NOT Eligible
Members already covered under EPFO, NPS (Government co-contributory), or ESIC
Income-tax payers
Workers already enrolled in Atal Pension Yojana or a similar Maandhan pension scheme
Benefits for Delhi Applicants
Eligible applicants Delhi can receive the following benefits under Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM):
| Benefit | Details |
|---|---|
| Guaranteed Pension | Fixed monthly pension of ₹3,000 after the subscriber turns 60 |
| Matching Contribution | Government contributes an amount equal to the subscriber's monthly premium (50:50 model) |
| Family Pension | Spouse receives 50% of the pension as family pension if the subscriber passes away |
| Early Exit | Exit before 10 years returns the contribution plus savings-bank interest; after 10 years, contribution plus accumulated scheme interest |
| Auto Debit | Hassle-free monthly auto-debit from the subscriber's linked bank account |
Documents Required
Keep the following documents ready before applying Delhi. Having them prepared speeds up approval significantly.
Aadhaar card
Savings bank account passbook/details
Registered mobile number
Nominee and spouse details (if applicable)
Pro tip: Register on Udyam Portal before applying. It strengthens your application and may unlock additional MSME benefits.
How to Apply in Delhi
Follow these steps to apply for Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) Delhi:
Our in Delhi team has helped applicants navigate Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) from initial documentation through to disbursal, resolving the common procedural delays that catch most first-time applicants off guard.
1
Visit a Common Service Centre (CSC)
Approach the nearest CSC with Aadhaar and bank account details to begin enrolment.
2
Provide personal and bank details
The Village Level Entrepreneur (VLE) records Aadhaar, date of birth, mobile number and bank account information.
3
Auto-calculation of contribution
The system calculates the applicable monthly contribution (₹55-₹200) based on the subscriber's entry age.
4
Make first contribution and sign mandate
Pay the first month's contribution in cash and sign the auto-debit mandate for future monthly payments.
5
Receive Shram Yogi card and SPAN
Get a unique Shram Yogi Pension Account Number (SPAN) and physical Shram Yogi card confirming enrolment.
Online Portal: You can apply directly at https://maandhan.in/. Varahii's consultants can guide you through every step.
Coverage & Limits
| Parameter | Details |
|---|---|
| Geographic Scope | All-India, delivered through Common Service Centres |
| Pension Payout Age | 60 years |
| Contribution Period | From enrolment age until age 60 |
Applying for Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) in Delhi
Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) is available to entrepreneurs and individuals across Delhi. Whether you are based in the urban core or surrounding areas of Delhi, you can approach any participating bank, NBFC, or Microfinance Institution to begin your application.
Varahii Consultancy has helped hundreds of applicants Delhi successfully complete their Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) applications — from document preparation to follow-up with the sanctioning authority.
Varahii in Delhi: Our local advisors understand the specific requirements of Delhi branches and can help you choose the right lender or government office for faster processing.
Industry & Entrepreneurship Landscape in Delhi
Delhi's small-business economy is shaped in large part by trading, services, and light manufacturing, sectors that account for a significant share of local MSME and entrepreneurial activity. Delhi has one of the highest concentrations of registered MSMEs relative to its size, driven by its role as a trading and services hub.
Among individual entrepreneurs in Delhi, current trends show strong growth in services and e-commerce-linked micro-enterprises. This shift is directly relevant to Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) applicants, since lenders and sanctioning authorities increasingly favour Udyam-registered, formally documented businesses when reviewing applications.
Banking & credit access in Delhi: Applicants typically work with PNB, SBI, and a wide base of private-sector bank branches when applying for government-linked schemes, alongside NBFCs and microfinance institutions for smaller ticket sizes.
Why Varahii Is Among the Best Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) Consultants in Delhi
Choosing the right consultant for Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) in Delhi can be the difference between a smooth approval and months of avoidable delay. Varahii Consultancy has built a reputation in Delhi and across India for handling government scheme and MSME loan applications end-to-end — not just advising, but actively preparing documentation, tracking application status, and following up with the relevant department or bank until a decision is reached.
Specialised, up-to-date knowledge of Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) eligibility and documentation requirements in Delhi
End-to-end application support — not just advice — from document prep to final follow-up
Familiarity with local banks, NBFCs, and government offices in Delhi
Transparent process with no hidden fees and a free initial eligibility check
Varahii in Delhi: If you're evaluating Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) options in Delhi, our consultants can give you a realistic eligibility assessment before you commit any paperwork — most consultations start with a free review of your specific situation.
Important Dates
| Milestone | Date / Status |
|---|---|
| Scheme Launched | Announced in Interim Budget 2019; effective from 15 February 2019 |
| Administering Body | Ministry of Labour & Employment |
| Fund Manager Appointed | Life Insurance Corporation of India (LIC) |
Contact & Support
| Channel | Details |
|---|---|
| Implementing Agency | Ministry of Labour & Employment, with LIC as Pension Fund Manager |
| Portal | maandhan.in |
| Field Offices | Common Service Centres (CSCs) nationwide |
| Helpline | 1800-267-6888 (Toll-Free) |
Frequently Asked Questions
Unorganised-sector workers aged 18 to 40 with a monthly income of ₹15,000 or less, who are not already covered under EPFO, NPS, or ESIC.
A fixed, guaranteed pension of ₹3,000 per month once you turn 60, regardless of the exact contribution amount paid based on your entry age.
If you exit before completing 10 years, you get back your contribution plus savings-bank rate interest. After 10 years but before age 60, you receive your contribution plus the accumulated scheme interest.
Yes. The spouse is entitled to receive 50% of the pension amount as a family pension for life.
Related topics: pension unorganised workers social security LIC old-age income PM-SYM Delhi
Ready to Apply for Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) in Delhi?
Varahii's verified consultants handle everything — eligibility check, document preparation, application filing, and follow-up with Delhi authorities. 100% free initial consultation.