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Pradhan Mantri Shram Yogi Mandhan Pension Yojana/PM Shram Yogi Maandhan Pension Scheme

Prime Minister Shram Yogi Man-Dhan' scheme of the Government of India, ensuring the pension of 3000 rupees per month to workers of the unorganized sector workers, domestic workers, head-back workers and welfare schemes of the government, 15 February 2019 Has been formally implemented.
Pradhan Mantri Shram Yogi Mandhan Pension Yojana/PM Shram Yogi Maandhan Pension Scheme
Pradhan Mantri Shram Yogi Mandhan Pension Yojana/PM Shram Yogi Maandhan Pension Scheme
The Ministry of Labor and Employment told that in the recent budget, this scheme announced to the benefit of about 42 million people in the unorganized sector will be benefitted. In this plan, all those people whose income is 15 thousand rupees per month and are in the age group of 18 to 40 years. The eligible person of this scheme should not be covered under the benefits of the New Pension Scheme (NPS), Employees State Insurance Corporation (ESIC) Scheme or Employees Provident Fund Organization (EPFO) and it should not be an income tax payer.

PM-SYM

Minimum Fixed Pension: Under the PM-SYM, each subscriber will receive a minimum fixed pension of Rs 3,000 per month after completion of 60 years of age.
Family pension: If the subscriber dies during the pension receipt, 50 percent of the pension received by the beneficiary in the form of family pension will be given to the beneficiary's life partner. Family pension applies only in the case of a spouse. If the beneficiary has given a regular contribution and for some reason, its death (before the age of 60 years), then the beneficiary's life partner can join the scheme and continue the plan by making a regular contribution or out of the plan and withdrawal provisions. According to the plan can exit.
Subscription by Subscriber: Subscriber's contribution will be done through his "Auto Debit" facility from his Savings Bank Account / Jandhan Account. Up to the age of 60 years of age of joining a PM-SYM plan, the subscriber has to pay the specified contribution amount.

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Pradhan Mantri Shram Yogi Mandhan Pension Yojana

Equal contribution by the Central Government: There is a voluntary and contributory pension scheme based on the ratio of PM-SYM 50:50, in which the fixed age special contribution will be made by the beneficiary and according to the table, the equal contribution will be done by the Central Government. For example, if a person is 29 years old then he will have to contribute Rs 100 per month till the age of 60 years. The contribution of an equal amount of Rs 100 by the central government will be done.
How to register
The subscriber must have a mobile phone, a savings bank account, and a base number.
The eligible subscribers can enroll for the PM-SYM by going to the nearest CSC and self-attesting the Aadhaar number and Savings Bank Account / Jandhan Account number.
Later, the subscriber will be given access to the PM-SYM web portal and download of the mobile app and can register with the subscriber base number / Self-certified basis using the Savings Bank Account / Jan-Dhan account.
The nomination work will be run by the Community Service Centers (CSC).
With unorganized labor base card and savings bank account, passbook / Jan-Dhan account, you can register for the scheme by going to the nearest CSC.
The contribution of the first month's contribution will be in cash and its receipt will be given.
All the branch offices of LIC, offices of ESIC / EPFO and all Labor Offices of Central and State Governments will be informed about the scheme, its benefits, and procedures to the unorganized workers.
Exit the plan and return

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PM Shram Yogi Maandhan Pension Scheme

Given the uncertain nature of the job of unorganized labor, the provision to get out of the scheme has been kept flexible. The provision to exit the scheme are as follows:
If the subscriber exits the plan within a period of fewer than 10 years, he will be given only part of the beneficiary's contribution with the savings bank interest rate.
If the subscriber goes out of the plan after the age of 10 years or more but before the age of 60, then with the share of the beneficiary's contribution, with the accumulated interest earned by the fund or savings bank interest rate, whichever is higher, Will be given with.
If the beneficiary has made a regular contribution and if he dies for some reason then his spouse can continue this scheme by regular contribution, or the actual interest or savings bank interest rate earned by the fund, whichever is higher, beneficiary Can get out of the scheme by contributing.
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