Process Of Registration On Maandhan

Learn More About Government Schemes, Process Of Registration On Maandhan, Importance, Significance, And Other More Information

India’s workforce thrives on the contributions of millions of unorganized workers. From construction laborers and street vendors to home-based artisans and migrant workers, this vast and diverse segment plays a crucial role in the nation’s economic growth.

However, unlike their counterparts in the organized sector, these workers often lack access to social security benefits like pensions after retirement. Recognizing this gap, the Government of India introduced the Pradhan Mantri Shram Yogi Maandhan (PM-SYM) scheme, a voluntary and contributory pension scheme specifically designed for unorganized workers.

Process Of Registration On Maandhan Guide

PM-SYM, launched in 2019, is a voluntary pension scheme that allows eligible unorganized workers to contribute a fixed monthly amount towards a guaranteed minimum pension upon reaching the age of 60. The government matches the contribution made by the worker, effectively doubling the corpus for a better pension payout.

Who Can Register for PM-SYM?

Registration for PM-SYM is open to any unorganized worker who meets the following criteria:

  • Age between 18 and 40 years at the time of enrollment.
  • Monthly income not exceeding Rs. 15,000.
  • Not already covered under any statutory social security schemes like National Pension Scheme (NPS), Employees’ State Insurance Corporation (ESIC), or Employees’ Provident Fund Organization (EPFO).
  • Not an income tax payee.

Benefits of Registering for PM-SYM

Registering for PM-SYM offers significant benefits to eligible unorganized workers:

  • Guaranteed Minimum Pension: Upon reaching the age of 60 and making regular contributions, the worker will receive a minimum monthly pension of Rs. 3,000.
  • Government Matching Contribution: The government matches the monthly contribution made by the worker, effectively increasing the retirement corpus.
  • Spousal Benefit: In case of the worker’s death after enrollment, the spouse will be eligible for 50% of the pension amount.
  • Long-Term Financial Security: PM-SYM helps unorganized workers build a financial safety net for their retirement years, ensuring financial security after leaving the workforce.

Process Of Registration On Maandhan

The registration process for PM-SYM can be completed through two primary channels:

1. Online Registration:

  • Visit the official Maandhan portal (
  • Click on “New Enrollment.”
  • Enter your Aadhaar number and captcha code.
  • Verify your identity using the OTP sent to your Aadhaar-linked mobile number.
  • Fill out the online application form with details like name, father’s name, date of birth, permanent address, and occupation.
  • Select the desired monthly contribution amount from the available options.
  • Provide bank account details for automatic deductions.
  • Upload a scanned copy of the self-attested Application cum Mandate form (available on the portal).
  • Before submitting the application, double-check all of the details.

2. Registration through CSCs (Common Service Centres):

  • Locate your nearest CSC (
  • Visit the CSC with your Aadhaar card and a mobile phone linked to Aadhaar.
  • CSC operator will guide you through the registration process and assist in filling out the application form.
  • Biometric authentication using your Aadhaar card will be used for verification.
  • The CSC operator will submit the completed application on your behalf.

Important Documents for PM-SYM Registration

  • Aadhaar card
  • Mobile phone linked to Aadhaar
  • Self-attested Application cum Mandate form (downloaded from the Maandhan portal)
  • Bank account details (optional)

Additional Points to Consider

  • Ensure your Aadhaar card is linked to your mobile phone for seamless OTP verification.
  • Choose the contribution amount that aligns with your financial capabilities. Consistency in contributions is crucial for a healthy retirement corpus.
  • You can increase your contribution amount at any point during the enrollment period.
  • Keep a copy of your registration confirmation and UAN (Universal Account Number) for future reference.

While PM-SYM and eShram are separate initiatives, they both aim to empower and improve the social security landscape for India’s vast unorganized workforce. eShram acts as a central database for unorganized workers, whereas PM-SYM is a voluntary pension scheme that leverages eShram data for registration.


PM-SYM provides a valuable opportunity for unorganized workers to secure their financial future. By registering and making regular contributions, they can look forward to a more secure and dignified retirement. Remember, early enrollment allows you to benefit from longer contribution periods and a larger retirement corpus.

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