--- title: 'What is PM-SYM? Pradhan Mantri Shram Yogi Maan-dhan | PM-SYM Malayalam | PM-SYM 2026' source: 'https://youtube.com/watch?v=6L1v_lWLrA8' video_id: '6L1v_lWLrA8' date: 2026-07-31 duration_sec: 354 --- # What is PM-SYM? Pradhan Mantri Shram Yogi Maan-dhan | PM-SYM Malayalam | PM-SYM 2026 > Source: [What is PM-SYM? Pradhan Mantri Shram Yogi Maan-dhan | PM-SYM Malayalam | PM-SYM 2026](https://youtube.com/watch?v=6L1v_lWLrA8) ## Summary This video explains the Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM), a central government pension scheme for workers in India's unorganized sector. It covers eligibility, registration, contribution amounts, the guaranteed Rs 3,000 monthly pension after age 60, and the government's 100% matching contribution. ### Key Points - **Pension for unorganized workers** [00:17] — Through the PM-SYM scheme, construction workers, street vendors, and other unorganized workers receive a monthly pension after reaching a certain age. - **Small monthly contributions** [00:45] — The plan works with a small monthly contribution, making it accessible; it is described as a very simple figure. - **PM-SYM definition** [01:13] — Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) is a central government scheme designed for workers in the unorganized sector. - **Guaranteed pension after 60** [01:25] — Subscribers receive a guaranteed pension of Rs 3,000 per month after turning 60, intended to cover small personal needs. - **Eligibility age** [02:44] — The age limit for joining is between 18 and 40 years. - **Income limit and beneficiaries** [03:11] — Monthly income must be below Rs 15,000; beneficiaries include street vendors, farmers, and workers. - **Disqualifications** [03:25] — Those covered by EPF, NPS, or ESI and those who pay income tax are not eligible for the scheme. - **Simple registration process** [03:52] — Registration is done at the nearest CSC or Akshaya Center by providing Aadhaar and savings bank passbook; the first installment is paid there. - **Auto-debit contributions** [04:05] — After registration, the monthly contribution is automatically debited from the subscriber's account; contributions range from Rs 55 to Rs 200 based on age of joining. - **Government matching contribution** [04:30] — The central government contributes 100% of the subscriber's amount into the account. - **LIC managed and secure** [04:58] — The scheme is managed by the Life Insurance Corporation (LIC), described as 100% secure with easy withdrawal option. - **Family pension on death** [05:13] — If the subscriber dies while receiving pension, the spouse gets 50% of the pension as family pension. ### Conclusion PM-SYM offers low-income unorganized workers a reliable retirement income through small, government-matched contributions. With a guaranteed Rs 3,000 monthly pension after 60 and a 50% family pension, it is a valuable social security scheme. ## Transcript many types of construction workers in our country. There are also many street vendors. There is Through this scheme, they will continue to receive a pension every month after reaching a certain age receive pensions. Isn't it? For example, But today there is a pension plan for everyone. He has a let's join in there. There is a small contribution. It's a small . So, even if we make a small contribution every month, . It is a very simple figure . Once that's gone, we'll be We will get a pension just like them. Isn't that a good plan? So, . If this is your first time watching the video, please updated videos as a notification on your mobile . If we talk about the name of the project, it can be known as PM SYM. What is the Pradhan Mantri Shram Yogi Man scheme? This scheme is a scheme of the central government for workers in the unorganized sector. It is After the age of 60, you will get a guaranteed pension of Rs 3000 per month. After the age of 60, Rs 3000 is not a big amount, but what does a person who is over 60 need this Rs 3000? He has small desires to fulfill small things. Sometimes he our children with age and become like children? Similarly, they sometimes have Of course, they do. In a very short time or in their good bought me some clothes and things . We must have looked. When they get older, funds come from? I'm thinking that if I had a little money in my hand without asking anyone else, I could put 100 rupees or 50 rupees in it and buy it . It's not a big deal, friends. if you are sure, you only need to spend a small amount . They have their own account. Once you put a small amount of funds in that account, it will go automatically. So . So, this is the best plan for the poor and those who suffer daily told you in detail how much it was in the past. For the first time, we understood who could join . The age limit is between 18 and 40 years. Not for . After the reason is given, we should deposit a small amount from the age of 40 and when we we should give it. That is why everyone can apply for it. There is an income limit for everyone. The monthly income may be below Rs. 15,000. People with very high incomes do not get it. Only those who earn Now who are the beneficiaries? Street vendors, farmers, workers in our country. This is useful for all people in our country. Now there are disqualifications. EPF, NPS, ESI members, and those who pay Ada Aadhaar income tax do not get it. People who file income tax do not People with ESI do not get it. People with EPF do not need to give anything because they are all in a different range. Isn't this a common man among common people? There are many people in our country who have nothing. For them, them. It is a scheme, so it is a good scheme. Now how to register? Very simple. Visit the nearest CSC or Akshaya Center. You provide your Aadhaar card and savings bank passbook. You provide your Aadhaar card or your bank account passbook. They will set it all up and you have to pay the first installment in then automatically debited from your account automatically. Now you need to know how much contribution and pension you will get. If you say monthly contribution, it will be from Rs. 55 to Rs. 200. How much will it be from Rs. 55 to Rs. 200? It varies according to the age you join. If you are young, it will It varies according to the age you join. If you are young, it will close to 40, it will be 3000. If you say guaranteed pension return, you will get Rs. 3000 per month. You will get Rs. 3000 every month after the age of 60. The government will contribute 100% of the same amount that you pay. The central government also invests the same amount in account. Don't you understand how much you pay? The same amount is invested by the central government, it is a small thing, thing, so everyone should join this pension scheme. There everyone should join this pension scheme. There This scheme is managed by the Life Insurance Corporation, so it is 100 percent Easy withdrawal. If you withdraw from the scheme and invest you will get back everything except your family pension. If the injured person dies while receiving the pension, if anything happens, 50 percent of the family pension will be big thing for the spouse. It may be a small investment today, but don't forget that it is the big security of tomorrow. Parents are parents, children, children are working, there are many people who work. Maybe I should share this video with all of them right now . Likewise, please leave your comment box. If you like the video, please like it. We'll see you tomorrow for another great video. Mishoni signing off bye bye. [Music]