பிரதான் மந்திரி சரம் யோகி மன்-தன் (PMSYM)- (அமைப்புசாரா
தொழிலாளர்களுக்கான
ஒரு ஓய்வூதிய திட்டம்)
- A
pension scheme for unorganised workers
The scheme is meant for old age protection and social security of
Unorganised Workers (UW) who are mostly engaged as rickshaw pullers, street
vendors, mid-day meal workers, head loaders, brick kiln workers, cobblers, rag
pickers, domestic workers, washer men, home-based workers, own account workers,
agricultural workers, construction workers, beedi workers, handloom workers,
leather workers, audio- visual workers or in similar other occupations.
Eligibility Criteria
·
Should be an unorganised worker (UW)
·
Entry age between 18 and 40 years
·
Monthly Income Rs 15000 or below
Should not be
·
engaged in Organized Sector (membership of EPF/NPS/ESIC)
·
an income tax payer
He/ She should possess
1. Aadhar card
2. Savings Bank Account / Jan
Dhan account number with IFSC
Features: It is
a voluntary and contributory pension scheme, under which the subscriber would
receive a minimum assured pension of Rs 3000/- per month
after attaining the age of 60 years and if the subscriber dies, the spouse of
the beneficiary shall be entitled to receive 50% of the pension as family
pension. Family pension is applicable only to spouse.
Contribution by the UW Subscriber: Through ‘auto-debit’ facility from his/ her
savings bank account/ Jan- Dhan account from the date of joining PM-SYM till
the age of 60 years as per the chart below. The Central Government will also
give equal matching contribution in his pension account.
Entry Age
|
Superannuation Age
|
Member's monthly contribution
(Rs)
|
Central Govt's monthly contribution
(Rs)
|
Total monthly contribution (Rs)
|
(1)
|
(2)
|
(3)
|
(4)
|
(5)= (3)+(4)
|
18
|
60
|
55
|
55
|
110
|
19
|
60
|
58
|
58
|
116
|
20
|
60
|
61
|
61
|
122
|
21
|
60
|
64
|
64
|
128
|
22
|
60
|
68
|
68
|
136
|
23
|
60
|
72
|
72
|
144
|
24
|
60
|
76
|
76
|
152
|
25
|
60
|
80
|
80
|
160
|
26
|
60
|
85
|
85
|
170
|
27
|
60
|
90
|
90
|
180
|
28
|
60
|
95
|
95
|
190
|
29
|
60
|
100
|
100
|
200
|
30
|
60
|
105
|
105
|
210
|
31
|
60
|
110
|
110
|
220
|
32
|
60
|
120
|
120
|
240
|
33
|
60
|
130
|
130
|
260
|
34
|
60
|
140
|
140
|
280
|
35
|
60
|
150
|
150
|
300
|
36
|
60
|
160
|
160
|
320
|
37
|
60
|
170
|
170
|
340
|
38
|
60
|
180
|
180
|
360
|
39
|
60
|
190
|
190
|
380
|
40
|
60
|
200
|
200
|
400
|
Enrolment Procedure:The Unorganised Worker will be
required to visit the nearest Common Services Centre (CSC)and get
enrolled for PM-SYM using Aadhaar Card and Savings bank/ Jan-Dhan account
number on self-certification basis. First subscription to be paid in cash and
auto debit from next month onwards.
Later, facility will be provided
where the UW 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.
Enrollment agencies: The enrolment will be carried
out by all the Common Services Centres in the country.
Facilitation Centres: All the Labour offices of State
and Central Governments, all the branch offices of LIC, the offices of
ESIC/EPFO will act as Facilitation Centres to give full information to the Unorganised
Workers (UW) about the Scheme, its benefits and the procedure to be followed,
at their facilitation desks/ help desks.
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 e-Governance Services India Limited (CSC SPV). LIC will be the Pension Fund Manager and responsible for Pension pay
out.
Exit and Withdrawal:
Considering the hardships and erratic nature of
employability of Unorganised Workers (UW), the exit provisions of scheme have
been kept flexible.
(i)
If he/ she exits the
scheme within a period of less than 10 years,
the beneficiary’s share of contribution only will be returned to him
with savings bank interest rate.
(ii)
If subscriber exits
after a period of 10 years or more but before 60 years of age, the
beneficiary’s share of contribution along with accumulated interest as actually
earned by fund or at the savings bank interest rate whichever is higher.
(iii)
If a beneficiary has
given regular contributions and died due to any cause, his/ her spouse will be
entitled to continue the scheme subsequently by payment of regular contribution
or exit by receiving the beneficiary’s contribution along with accumulated
interest as actually earned by fund or at the savings bank interest rate
whichever is higher.
(iv)
If a beneficiary has
given regular contributions and become permanently disabled due to any cause
before 60 years, and unable to continue under the scheme, his/ her spouse will
be entitled to continue the scheme subsequently by payment of regular
contribution or exit the scheme by receiving the beneficiary’s contribution
with interest as actually earned by fund or at the savings bank interest rate
whichever is higher.
(v)
After the death of
subscriber as well as his/her spouse, the entire corpus will be credited back
to the fund.
Default: If a subscriber has not paid the contribution
continuously he/she will be allowed to regularize his contribution by paying
entire outstanding dues, along with penalty charges, if any, decided by the
Government.
Pension Pay out:Once the beneficiary joins the scheme at the entry
age of 18-40 years, the beneficiary has to contribute till 60 years of age. On
attaining the age of 60 years, the subscriber will receive by DBT the assured
monthly pension of Rs.3000/- with benefit of family pension, as the case may
be.
Grievance Redressal: Customer Care number 1800 2676888 (available 24*7).
Web portal/ app will also have the facility for registering the
complaints.
Doubts and Clarifications: In case of any doubt on the
scheme, clarification provided by the Joint Secretary& Director General (Labour
Welfare) will be final. Email at ShramYogi@nic.in
Locate your nearest CSC at the link locator.csccloud.in
Process
Flow – Enrolment in
Pradhan
Mantri Shram Yogi Maan-dhan (PM-SYM)
THANKS FOR YOUR INFORMATION
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