PMSYM : Pradhan mantri Shram Yogi Man Dhan Yojna Pension
PMSYM : Pradhan mantri Shram Yogi Man Dhan Yojna Pension
Government of India has introduced a pension scheme for unorganised workers namely Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) to ensure old age protection for Unorganised Workers.
The unorganised workers mostly engaged as home based workers, street vendors, mid-day meal workers, head loaders, brick kiln workers, cobblers, rag pickers, domestic workers, washer men, rickshaw pullers, landless labourers, own account workers, agricultural workers, construction workers, beedi workers, handloom workers, leather workers, audio- visual workers and similar other occupations whose monthly income is Rs 15,000/ per month or less and belong to the entry age group of 18-40 years. They should not be covered under New Pension Scheme (NPS), Employees’ State Insurance Corporation (ESIC) scheme or Employees’ Provident Fund Organisation (EPFO). Further, he/she should not be an income tax payer.
2. Features of PM-SYM: 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 pension, if the subscriber
dies, the spouse of the beneficiary shall be entitled to receive 50% of
the pension received by the beneficiary as family pension. Family
pension is applicable only to spouse.
(iii) &nbps; &&nbps;If a beneficiary has given 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.
3. Contribution by the Subscriber: The subscriber’s contributions to
PM-SYM shall be made through ‘auto-debit’ facility from his/ her savings
bank account/ Jan- Dhan account. The subscriber is required to
contribute the prescribed contribution amount from the age of joining
PM-SYM till the age of 60 years. The chart showing details of entry age
specific monthly contribution is as under:
4. Matching contribution by the Central Government: PM-SYM is a voluntary and contributory pension scheme on a 50:50 basis where prescribed age-specific contribution shall be made by the beneficiary and the matching contribution by the Central Government as per the chart. For example, if a person enters the scheme at an age of 29 years, he is required to contribute Rs 100/ - per month till the age of 60 years an equal amount of Rs 100/- will be contributed by the Central Government.
5. Enrolment Process under PM-SYM: The subscriber
will be required to have a mobile phone, savings bank account and
Aadhaar number. The eligible subscriber may visit the nearest Common
Services Centres (CSC eGovernance Services India Limited (CSC SPV)) and
get enrolled for PM-SYM using Aadhaar number and savings bank account/
Jan-Dhan account number on self-certification basis.
Later, facility will be provided where the subscriber can also visit the
PM-SYM web portal or can download the mobile app and self-register
using Aadhar number/ savings bank account/ Jan-Dhan account number on
self-certification basis.
6. Enrollment agencies: The enrolment will be carried out by all the Common Services Centres. The unorganised workers may visit their nearest CSC along with their Aadhar Card and Savings Bank account passbook/Jandhan account and get registered themselves for the Scheme. Contribution amount for the first month shall be paid in cash for which they will be provided with a receipt.
7. Facilitation Centres: All the branch offices of
LIC, the offices of ESIC/EPFO and all Labour offices of Central and
State Governments will facilitate the unorganised workers about the
Scheme, its benefits and the procedure to be followed, at their
respective centers.
In this respect, the arrangements to be made by all offices of LIC,
ESIC, EPFO all Labour offices of Central and State Governments are given
below, for ease of reference:
1. All LIC, EPFO/ESIC and all Labour offices of Central
and State Governments may set up a “Facilitation Desk” to facilitate the
unorganised workers, guide about the features of the Scheme and direct
them to nearest CSC
2. Each desk may consist of at least one staff.
3. They will have backdrop, standi at the main gate and sufficient
number of brochures printed in Hindi and regional languages to be
provided to the unorganised workers.
4. Unorganised workers will visit these centres with Aadhaar Card, Savings bank account/Jandhan account and mobile phone.
5. Help desk will have onsite suitable sitting and other necessary facilities for these workers.
6. Any other measures intended to facilitate the unorganised workers about the Scheme, in their respective centers.
8.Fund Management: PM-SYM will be a Central Sector Scheme administered
by the Ministry of Labour and Employment and implemented through Life
Insurance Corporation of India and CSC eGovernance Services India
Limited (CSC SPV). LIC will be the Pension Fund Manager and responsible
for Pension pay out. The amount collected under PM-SYM pension scheme
shall be invested as per the investment pattern specified by Government
of India.
Requirements for Enrolment
A Mobile Phone.
Savings Bank/Jan Dhan Account.
Aadhaar Number.
સંપૂર્ણ સમાચાર વાંચો ગુજરાતીમા
IMPORTANT LINKS ::::
PMSYM Registration
As of now, the applicant may visit the nearest CSC (Common Services Center) and submit the required details to get enrolled.
VLE will register the beneficiary electronically on the system..
A beneficiary has to pay 1st instalment in cash to CSC.
Now Shram Yogi Pension Number will be generated.
VLE will print & handover the Shram Yogi card to the beneficiary.
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