Description

1) Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) — Pension for Unorganised Workers

Headline / short description
PM-SYM is a voluntary contributory pension scheme for unorganised sector workers — eligible subscribers make a small age-based monthly contribution and receive an assured ₹3,000/month pension after they turn 60. Maandhan+1

Who is eligible

• Unorganised workers (street vendors, domestic workers, construction workers, small artisans, fishermen, rickshaw drivers, etc.).

• Entry age: 18–40 years.

• Monthly income usually up to ₹15,000 (self-declared).

• Not covered under EPF/ESIC/NPS and not an income-tax payer. Maandhan+1

What subscriber pays (price / contribution)

• Monthly contribution depends on age at entry — the older you join, the higher the monthly amount. The Central Government matches your contribution 50:50. See the official contribution chart for exact amounts by age. Example illustrative entry amounts: ₹55–₹200+ per month depending on age. (Exact chart at Maandhan official site.) Maandhan+1

How to apply (practical steps)

1. Visit a Common Service Centre (CSC) nearest you or a designated enrolment point / MNR e-Hub centre. Online enrolment often routes through CSC/Digital Seva. Digit Insurance+1

2. Provide Aadhaar, bank/Jan-Dhan account details (with IFSC) and mobile number (Aadhaar-linked preferred).

3. Complete Aadhaar OTP verification and pay the first contribution (often collected at enrolment). The govt will set up auto-debit for future monthly contributions from the bank account. Ministry of Labour & Employment

Documents required

• Aadhaar card (mandatory)

• Savings bank / Jan Dhan account number + IFSC (for auto-debit)

• Mobile number (preferably Aadhaar-linked)

• Nominee details (recommended)

• Optional: passport photo, evidence of occupation (if available). Ministry of Labour & Employment

Processing time / expectation

• Usually same day / immediate acknowledgement after Aadhaar OTP & first payment. If Aadhaar/mobile mismatches occur, verification may take longer. Ministry of Labour & Employment

Suggested MNR assistance fee (what you charge customers)

• ₹99 – ₹249 (₹99 for simple online guidance; ₹199–₹249 for in-shop assistance including OTP help and first payment collection).

Short FAQs

• Is there a govt fee? — No registration fee; subscriber contributes monthly as per the chart; government matches contributions. Ministry of Labour & Employment

• When will pension start? — From age 60 subject to scheme rules and continuous contributions. Ministry of Labour & Employment

Legal / disclaimer
MNR only assists with enrolment. Final eligibility, UMID/acknowledgement and benefits are governed by official PM-SYM rules and processing by the designated authorities. Ministry of Labour & Employment

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2) Pradhan Mantri Kisan Maan-Dhan Yojana (PMKMY) — Pension for Small & Marginal Farmers

Headline / short description
PMKMY is a voluntary contributory pension scheme for small & marginal farmers that provides an assured ₹3,000/month pension on attaining 60 years, with a small age-based monthly contribution from the farmer. PM KMY+1

Who is eligible

• Small & marginal farmers aged 18–40 years.

• Ownership of cultivable land up to 2 hectares (as per land records) — eligibility rules may be state-specific. PM KMY+1

What subscriber pays (price / contribution)

• Monthly contribution varies by age at entry. The contribution is modest (examples similar to other Maandhan schemes) and continues until age 60. Exact contribution table and entry-age mapping are available on the PMKMY portal. The scheme provides government support matching/structure per official rules. PM KMY+1

How to apply (practical steps)

1. Visit the nearest Common Service Centre (CSC), designated PMKMY registration point or the PMKMY portal. CSCs generally handle the entire process for farmers. Common Services Centres+1

2. Provide Aadhaar, bank account details (for auto-debit), proof of landholding (as needed), mobile number and nominee details.

3. Complete Aadhaar OTP verification and pay the first contribution; future contributions are usually auto-debited. PM KMY

Documents required

• Aadhaar card (mandatory)

• Savings bank account / Jan Dhan account details with IFSC (for auto-debit)

• Land ownership / cultivable land proof (as per state records)

• Mobile number (Aadhaar-linked preferred)

• Nominee details (recommended). PM KMY+1

Processing time / expectation

• Usually immediate / same day on successful Aadhaar OTP & first payment at CSC. If land records or Aadhaar linking require correction, processing may take longer.

Suggested MNR assistance fee

• ₹99 – ₹299 depending on whether you assist with land proof/document collection and bank auto-debit setup.

Short FAQs

• Is PMKMY free? — The pension itself is funded by the contributions; enrolment has no govt fee, but contributions are payable by the subscriber; MNR charges a small service fee for assistance. PM KMY

Legal / disclaimer
Final confirmation & pension benefits are subject to scheme rules and verification by the relevant government agencies; MNR only assists with registration and documentation. PM KMY

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3) Atal Pension Yojana (APY) — Guaranteed Pension (₹1,000–₹5,000)

Headline / short description
APY is a government pension scheme for all citizens (primarily intended for workers in the unorganised sector) that guarantees a monthly pension ranging from ₹1,000 to ₹5,000 after age 60, depending on the contribution chosen and the subscriber’s entry age. Jan Suraksha+1

Who is eligible

• Savings bank account holders aged 18–40 years (some variants allow different ranges for new joiners).

• Not an income-tax payer (but eligibility is broader now — check bank/NSDL guidance). APY can be joined at bank branches, through the bank’s APY registration process or digitally. NSDL NPS CRA+1

What subscriber pays (price / contribution)

• Contribution tables are pension-and-age dependent. Example: to get ₹1,000–₹5,000 pension, fixed contribution amounts (monthly/quarterly/half-yearly) are prescribed by table — see APY official contribution chart (NSDL / NPSCRATrust PDF) for exact numbers. The contribution increases with older entry age and higher target pension. NSDL NPS CRA+1

How to apply (practical steps)

1. Approach your bank branch that holds your savings account or use the bank’s APY online registration portal (many banks and the eNPS/APY portal support digital enrolment). Protean eGov Technologies+1

2. Fill the APY registration form, provide Aadhaar / bank account details and choose your desired pension slab (₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000).

3. Set up periodic contributions (auto-debit from savings account monthly/quarterly/half-yearly). Ensure Aadhaar is linked to the mobile for OTP verification if required. Jan Suraksha+1

Documents required

• Aadhaar card / Aadhaar Virtual ID / Aadhaar-seeded mobile number (for eKYC/OTP)

• Savings bank account number with IFSC (contributions auto-debited)

• PAN (if required by bank; but APY typically targets non-income tax payers)

• Nominee details. NSDL NPS CRA+1

Processing time / expectation

• Enrolment normally completes same day / within a few days depending on bank verification and KYC. APY pays pension from age 60 assuming continuous contributions. Jan Suraksha

Suggested MNR assistance fee

• ₹99 – ₹249 depending on whether you set up auto-debit, do Aadhaar linkage help, or complete branch formalities for the customer.

Short FAQs

• What pension amounts are available? — ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 per month (subscriber picks at enrolment and contributes accordingly). Exact contribution amounts depend on entry age. Jan Suraksha

• What if I stop contributing? — APY has exit/withdrawal rules; partial withdrawals and exit provisions depend on tenure and circumstances — check APY rules. Jan Suraksha

Legal / disclaimer
APY administration and payouts are governed by the PFRDA/NPS/NSDL rules; MNR only assists with enrolment and documentation. Verify details and the contribution chart on official APY resources before enrolment.