PM Shram Yogi Maandhan Yojana|પ્રધાન મંત્રી શ્રમ યોગી માનધન યોજના|

Introduction:

PM Shram Yogi Maandhan Yojana is a government-sponsored pension scheme launched by the Government of India to provide social security and financial stability to unorganized workers in the country. The scheme aims to address the issue of old-age income security by offering a pension to individuals working in the informal sector.

Here are the key features of the PM Shram Yogi Maandhan Yojana:

1. Eligibility: The scheme is available to unorganized workers between the ages of 18 and 40. These workers must have a monthly income of up to Rs. 15,000 and should not be covered under any other pension scheme.
2. Enrollment: Eligible workers can enroll in the scheme through their nearest Common Service Centres (CSCs) across the country. The enrollment process requires providing relevant documents such as Aadhaar Card, savings bank account details, and a self-declaration of being an unorganized worker.
3. Contribution: Under the scheme, beneficiaries are required to contribute a fixed monthly amount towards their pension. The contribution amount varies based on the age of enrollment. The individual beneficiary’s contribution is matched by an equal contribution from the government.
4. Pension Benefits: Upon reaching the age of 60, the beneficiaries of the scheme become eligible to receive a monthly pension. The amount of pension is determined based on the contributions made and the age of enrollment. The minimum assured pension amount is Rs. 3,000 per month.
5. Nominee Provision: The scheme allows individuals to nominate a person who will receive the pension in case of the beneficiary’s unfortunate demise before reaching the age of 60. The nominee can be changed by following the prescribed procedure.
6. Portability: The PM Shram Yogi Maandhan Yojana is a portable scheme, meaning that if a beneficiary migrates to another location within the country, their accumulated contribution and pension entitlement will be transferred seamlessly.

The PM Shram Yogi Maandhan Yojana has been introduced as a significant step towards social security for unorganized workers. By providing a pension during old age, the scheme aims to reduce the vulnerability and financial hardships faced by those in the informal sector. It encourages workers to save for their future and ensures a dignified life post-retirement.

It is important to note that the details and implementation of government schemes may change over time. For the latest and most accurate information, it is recommended to visit the official government websites or consult relevant authorities.

To apply for the PM Shram Yogi Maandhan Yojana, follow these steps:

1. Check Eligibility: Ensure that you meet the eligibility criteria for the scheme. You should be between 18 and 40 years old, have a monthly income of up to Rs. 15,000, and not be covered under any other pension scheme.
2. Gather Required Documents: Collect the necessary documents for enrollment. These typically include your Aadhaar Card, savings bank account details, and a self-declaration stating that you are an unorganized worker.
3. Find Nearest Common Service Centre (CSC): Locate the nearest Common Service Centre (CSC) in your area. CSCs are set up across the country to facilitate the enrollment process for various government schemes. You can find the nearest CSC by visiting the official CSC website or contacting your local authorities.
4. Visit the CSC: Visit the selected CSC during their working hours. It is advisable to call in advance to confirm their availability and any specific requirements.
5. Fill Application Form: At the CSC, you will be provided with the application form for the PM Shram Yogi Maandhan Yojana. Fill out the form accurately and provide all the necessary information.
6. Submit Required Documents: Submit the completed application form along with the required documents to the CSC. Ensure that all documents are valid and up to date.
7. Pay Enrollment Contribution: Pay the initial enrollment contribution amount as determined by the scheme. The contribution amount varies based on your age at the time of enrollment.
8. Receive Acknowledgment: Once you have submitted the application form and made the payment, you will receive an acknowledgment receipt. This receipt will contain important details such as your enrollment number, contribution details, and other relevant information.
9. Periodic Contributions: After the initial enrollment, you will be required to make regular monthly contributions to maintain your membership in the scheme. The specific amount and payment method will be explained to you during the enrollment process.
10. Receive Pension Benefits: Upon reaching the age of 60, you will become eligible to receive a monthly pension under the PM Shram Yogi Maandhan Yojana. The pension amount will be based on your contributions and the age at which you enrolled.

Remember to keep the acknowledgment receipt and any other relevant documents safely for future reference. It is always advisable to cross-check the details and procedures with the official government sources or the CSC to ensure accuracy and stay updated with any changes in the application process.

Important Links:

Apply Online Click here: https://maandhan.in/

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