Pradhan Mantri Shram Yogi Maan-dhan (PMSYM) pmsym pdf in hindi

 Pradhan Mantri Shram Yogi Maan-dhan (PMSYM) pmsysm pdf in hindi
(A pension scheme for unorganized workers)

As per an agreement with the Ministry of Labour & Employment, registration of beneficiaries under Pradhan Mantri Shram Yogi Maan-Dhan Yojana (PM-SYM) is now being carried out through CSCs across the country. All VLEs are requested to participate in this exercise and register beneficiaries.  


Features of PM-SYM:

It is a voluntary and contributory pension scheme, under which the subscriber would receive the following benefits :
(i)    Minimum Assured Pension: Each subscriber shall receive minimum assured pension of Rs. 3000 per month after attaining the age of 60 years.
(ii)   Family Pension: During the receipt of pension, if the subscriber dies, the spouse of the beneficiary shall be entitled to receive 50% of the pension received by the beneficiary as family pension.
(iii)   If a beneficiary has given regular contribution and dies 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 and withdraw the amount.


To know more about the scheme,  below: 


Details are :
Government of India has introduced a pension scheme forunorganised workers namely prdan Mantri Shram Yogi Maan-dhan (PM-SYM)toensure old age protection for UnorganisedWorkers.Theunorganised workers mostly engaged as home based workers, street vendors, mid-day meal workers, head loaders, brick kiln workers, cobblers, rag pickers, domestic workers, washer men, rickshaw pullers, landlesslabourers, own account workers, agricultural workers, construction workers, beedi workers, handloom workers, leather workers, audio-visual workers and similar other occupationswhose monthly income is Rs 15,000/ per monthor less and belong to the entry age group of 18-40 years. They should not be covered under New Pension Scheme (NPS), Employees‟ State Insurance Corporation (ESIC) scheme or Employees‟ Provident Fund Organization (EPFO). Further, he/she should not be an income tax payer. 

 2.Features of PM-SYM: It is a voluntary and contributory pension scheme, under which the subscriber would receive the following benefits : 

 (i)Minimum Assured Pension:Each subscriber under the PM-SYM, shall receive minimum assured pension of Rs 3000/-per month after attaining the age of 60 years. 

 (ii)Family Pension:During the receipt of pension, if the subscriber dies, the spouse of the beneficiary shall be entitled to receive 50% of the pension received by the beneficiary as family pension. Family pension is applicable only to spouse
 



(iii)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.

 3.Contribution by the Subscriber: The subscriber‟s contributions to PM-SYM shall be made through „auto-debit‟ facility from his/ her savings bank account/ Jan-Dhan account. The subscriber is required to contribute the prescribed contribution amount from the age of joining PM-SYM till the age of 60 years. The chart showing details of entry age specific monthly contribution is as under:


Calculation : Pmsym Chart

PMSYM Chart pdf

4.Matching contribution by the Central Government: PM-SYM is a voluntary and contributory pension scheme ona 50:50 basis where prescribed age-specific contribution shall be made by the beneficiary and the matching contribution by the Central Government as per the chart. For example, if a person enters the scheme at an age of 29 years, he is required to contribute Rs 100/ -per month till the age of 60 years an equal amount of Rs 100/-will be contributed by the Central Government. 

5.Enrolment Process under PM-SYM: The subscriber will be required to have a mobile phone, savings bankaccount and Aadhaarnumber. The eligible subscriber may visit the nearest Common Services Centres(CSC eGovernance Services India Limited (CSC SPV))and get enrolledfor PM-SYM using Aadhaar number and savings bank account/ Jan-Dhan account numberon self-certification basis. Later,facility will be provided wherethe subscriber 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.  

6.Enrollment agency:The enrolment will be carried out by all the Common Services Centres. The unorganised workers may visit their nearest CSCalongwith their Aadhar Card and Savings Bank account passbook/Jandhan accountand get registered themselves for the Scheme. Contribution amount for the first month shall be paid in cash for which they will be provided with a receipt. 

 7.Facilitation Centres: All the branch offices of LIC,the offices of ESIC/EPFO and all Labour offices of Central and State Governments willfacilitate the unorganised workers about the Scheme, its benefits and the procedure to be followed, at their respective centers

8.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 Indiaand CSC eGovernance Services India Limited (CSC SPV). LIC will be the Pension Fund Manager and responsible for Pension pay out. The amount collected under PM-SYM pension scheme shall be invested as per the investment pattern specified by Government of India.  

9.Exit and Withdrawal: Considering the hardships and erratic nature of employability of these workers, the exit provisions of scheme have been kept flexible. Exit provisions are as under:  

(i)In case subscriber 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.  

 


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 get the assured monthly pension of Rs.3000/-with benefit of family pension, as the case may be 

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