Pradhan Mantri Shram Yogi Maandhan Yojana: Today we are going to tell you about such a scheme, which is specially made for the low-income people of the unorganized sector. Along with this, Jan Dhan account holders can also take advantage of this scheme.
New Delhi: A special scheme of the Modi government is the Pradhan Mantri Shram Yogi Maandhan Yojana for the facility of pension after retirement to the low-income people of the unorganized sector. It is a voluntary and contributory pension scheme. So far more than 45 lakh people have joined through this scheme. Any Indian in the age group of 18 to 40 years can take advantage of this scheme. In this, after the age of 60, the person will continue to get a pension of Rs 3000 for life. A special feature of this scheme is that Jan Dhan account holders can also be entitled to pension under this scheme. Let us explain about it in detail.
Unorganized sector workers will get benefit
Under this scheme, workers in the unorganized sector like mostly home workers, street vendors, mid-day meal workers, head loaders, brick kiln workers, cobblers, rag pickers, domestic workers, washermen, rickshaw pullers, landless laborers are given this scheme. get benefit. Apart from this, agricultural laborers, construction workers, beedi workers or laborers, handloom workers, leather workers also get the benefit of this. The benefit of this scheme is given to those workers whose monthly income does not exceed Rs 15,000.
Under this scheme, after the age of 60, every month a pension of Rs 3000 i.e. Rs 36,000 per annum will be available. Those who are members of EPFO, NPS or ESIC, they cannot take advantage of this scheme. For this, even if someone pays income tax, he is not eligible for this scheme.
Have to invest so much
According to the scheme, if a person is 18 years old, then he will have to deposit 55 rupees every month till the age of 60 years in the Pradhan Mantri Shramyogi Maandhan Yojana. If someone is 29 years old, then he will have to deposit 100 rupees every month till the age of 60 years to get pension in the scheme. If an employee joins this scheme at the age of 40, then he will have to make a contribution of Rs 200 every month. One special thing in this is that the amount of contribution the account holder will have, the government will also make the same contribution on its behalf.
These documents will be needed
For PM Shram Yogi Maandhan Yojana, only two documents are required Aadhar Card and Savings Account / Jan Dhan Account (with IFSC Code). That is, even if you have a Jan Dhan account, you can join the scheme. For this you will not need to open a separate savings account. Apart from this, you will also have to enter your mobile number.
Register like this
- For registration in the Prime Minister’s Shramyogi Maandhan Pension Scheme, one has to go to the nearest CSC center.
- Whatever is there Aadhar card and Savings account or Jan Dhan account will have to be given along with IFSC code. Passbook, check book or bank statement can be shown as proof.
- Nominee can also be entered at the time of opening the account.
- Once your details are entered in the computer, the monthly contribution information will be automatically received.
- After this, you will have to give your initial contribution in the form of cash.
- After this your account will be opened and Shram Yogi Card will be available.
- You can get information about this scheme on 1800 267 6888 toll free number.
It is important to know this rule
If for some reason you are not able to contribute your share, then the outstanding amount has to be paid along with interest. After which his contribution will start regularly. If the subscriber wishes to withdraw money from the scheme within 10 years from the date of joining, then only his contribution will be returned at the savings account interest rate.
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