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Home Law & Policy

Pradhan Mantri Shram Yogi Maandhan Yojana

December 7, 2021
in Law & Policy
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Pradhan Mantri Shram Yogi Maandhan Yojana
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In news– As of November 2021, nearly 46 lakh unorganized workers have been registered under the Pradhan Mantri Shram Yogi Maandhan pension scheme.

About the scheme-

  • PM-SYM is a Central Sector Scheme launched in 2019 and administered by the Ministry of Labour and Employment and implemented through Life Insurance Corporation of India and CSCs. 
  • LIC is the Pension Fund Manager and responsible for Pension pay out. 
  • It is a voluntary and contributory Pension Scheme for Unorganized Workers for entry age of 18 to 40 years with monthly income of Rs.15000 or less.
  • Under this scheme, minimum assured monthly pension of Rs. 3000/- is provided to the unorganized workers after attaining the age of 60 years.
  • After his/ her death, the spouse will receive a monthly family pension which is 50 % of the pension.
  • 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.
  • Under the scheme, contribution is made to the 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.
  • Any worker who is covered under any statutory Social Security Scheme such as NPS, ESIC, EPFO and an income tax payee is not entitled to join the scheme.
  • The subscriber is required to contribute the prescribed contribution amount from the age of joining the scheme till the age of 60 years.
  • Unorganized workers covered under the scheme are home based workers, street vendors, head loaders, brick kiln, cobblers, rag pickers, domestic workers, washer-men, Rickshaw Pullers, Rural landless labourers, own account workers, agricultural workers, construction workers, beedi workers, handloom workers, leather workers, etc.
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Source: PIB
Tags: PIBPrelims

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