Sarkari Pension Scheme: Are you worried about your old age and thinking about how you will manage your expenses after retirement? Don’t worry! The Government of India has launched a special Sarkari Pension Scheme for workers in the unorganised sector. Under this scheme, you can get ₹3000 every month after you turn 60. The best part is – the registration process is very easy, and anyone eligible can apply without any trouble.
Let’s understand everything about this scheme in simple words.
What is the Sarkari Pension Scheme?
The Pradhan Mantri Shram Yogi Maan-Dhan (PM-SYM) is a central government pension scheme launched for unorganised sector workers such as labourers, rickshaw pullers, street vendors, construction workers, housemaids, tailors, and more.
Under this scheme, if you register and pay a small amount every month during your working life, then after the age of 60, the government will give you ₹3000 per month as pension for lifetime.
Who Can Apply for This Scheme?
To get the benefit of this scheme, you need to meet some simple conditions:
- Your age must be between 18 to 40 years.
- Your monthly income should be less than ₹15,000.
- You must not be a taxpayer.
- You should not be already receiving benefits from EPFO, NPS or ESIC schemes.
- You must have:
- Aadhar card
- Mobile number
- Bank account linked with Aadhaar
- Aadhar card
How Much Will You Have to Pay?
The amount you need to pay monthly depends on your age. Here’s a small chart:
| Your Age | Monthly Contribution | Govt. Will Also Pay |
| 18 | ₹55 | ₹55 |
| 25 | ₹80 | ₹80 |
| 30 | ₹100 | ₹100 |
| 35 | ₹150 | ₹150 |
| 40 | ₹200 | ₹200 |
So, if you join at age 25, you will have to pay just ₹80 every month. The government will also contribute the same amount, and after you turn 60, you’ll start receiving ₹3000 every month as pension.
How to Register A Simple Task
You can register for this scheme in a few easy steps:
- Visit your nearest CSC (Common Service Center).
- Carry your Aadhaar card and bank passbook with a mobile number.
- The CSC agent will fill out your details online.
- You will get a pension card after registration.
- You will need to set up auto-debit from your bank so that the contribution is paid every month automatically.
That’s it! Once you are registered, the monthly amount will be debited from your bank account, and you can relax knowing that your future is secure.
What If You Stop Paying?
If you stop paying the contribution in between, you can:
- Re-start anytime and continue the scheme.
- Or exit the scheme and get your money back with interest.
- In case of death before 60, the spouse can continue the scheme or withdraw the money.
Why This Scheme is Important?
Many people in India work hard every day in unorganised jobs and have no pension or savings. This scheme is specially designed for those people to make sure they live a respectful life after retirement.
- It gives financial security in old age.
- You become independent and do not have to depend on others.
- You can use the money for medicine, food, and other basic needs.
Final Words
If you or someone in your family is a labourer, street vendor, housemaid, or works in any similar job, don’t miss this golden opportunity. Just by doing a small task of registering, you can secure your future and receive ₹3000 every month after 60 years of age.It’s a government-guaranteed pension, which means it’s completely safe and trustworthy.
So go ahead, visit your nearest CSC center today, and apply for the Sarkari Pension Scheme. Share this information with others too, so that more people can benefit from it!
