E Shram : The Government of India has launched several schemes to uplift the unorganized sector, and the E Shram Card Pension Yojana is one of the most beneficial among them. Designed to offer financial support during old age, this scheme ensures that workers in the unorganized sector can live with dignity after retirement by receiving a monthly pension of ₹3,000.
🔍 What is the E Shram Card Pension Yojana?
The E Shram Card Pension Yojana is officially part of the Pradhan Mantri Shram Yogi Maandhan (PM-SYM) scheme. Under this scheme, workers registered with the E Shram portal can voluntarily contribute a small amount every month until the age of 60, after which they become eligible for a pension.
This initiative focuses on helping street vendors, agricultural workers, construction laborers, domestic workers, rickshaw pullers, and other similar categories of workers in the unorganized sector.
🎯 Key Features of the Scheme
- Monthly Pension: ₹3000 per month after the age of 60
- Government Contribution: Equal contribution by the government to match the subscriber’s amount
- Voluntary and Contributory: Subscriber chooses to join and contributes monthly
- Beneficiary Count: Aimed at over 38 crore unorganized workers in India
- Lifetime Pension: Paid until death; spouse continues to receive 50% as family pension
✅ Eligibility Criteria
To avail of the benefits under this scheme, the worker must:
- Be an unorganized sector worker
- Be aged between 18 to 40 years
- Have monthly income less than ₹15,000
- Possess an E Shram Card and Aadhaar card
- Have an active mobile number
- Have a bank account linked with Aadhaar
📄 Documents Required
- Aadhaar Card (linked with mobile and bank)
- E Shram Card
- Age Proof
- Income Certificate (if needed)
- Bank Passbook (for account verification)
- Passport size photograph
📝 Monthly Contribution Chart (Age-Wise)
| Age | Monthly Contribution (Worker) | Monthly Contribution (Government) |
|---|---|---|
| 18 | ₹55 | ₹55 |
| 25 | ₹80 | ₹80 |
| 30 | ₹100 | ₹100 |
| 35 | ₹150 | ₹150 |
| 40 | ₹200 | ₹200 |
Note: The earlier you join, the lower your monthly contribution.
🖥️ How to Apply for E Shram Card Pension Yojana Online
Follow these steps to register for the scheme:
- Visit the nearest CSC (Common Service Centre) or go to the E Shram portal.
- Provide your Aadhaar card and mobile number linked with Aadhaar.
- Choose the PM-SYM Pension Scheme from the options.
- Enter details such as age, occupation, income, and bank account.
- The CSC official will complete your eKYC and help generate your PM-SYM account.
- You will receive a pension scheme card after successful registration.
- Your monthly contribution will be auto-debited through your bank.
📲 Enrollment via Mobile App
The government also allows registration through the E Shram app or UMANG app:
- Download the app from Google Play Store
- Log in using your Aadhaar-linked mobile number
- Go to “Pension Schemes” and select “PM-SYM”
- Fill out the required details and submit
📌 Important Benefits of the Scheme
- Social Security for unorganized workers
- Government-backed pension for life
- Easy registration process
- 50% pension for spouse after the beneficiary’s death
- Can exit the scheme at any time with benefits as per policy
🚨 What If a Subscriber Dies Before 60?
If the beneficiary dies before the age of 60:
- The spouse can continue the scheme by contributing monthly.
- Or withdraw the money deposited with interest (as per savings account rate).
🧾 Exit and Withdrawal Options
- Before 10 years of contribution: Only worker’s contribution with interest returned
- After 10 years but before 60 years: Total contribution with interest returned
- After death: Spouse eligible for 50% monthly pension or lump-sum return
🧑🤝🧑 Who Should Enroll in This Scheme?
Any unorganized worker like:
- Street hawkers
- Agricultural laborers
- Domestic helpers
- Daily wage workers
- Construction laborers
- Rickshaw/auto drivers
- ASHA and Anganwadi workers
These are people who usually don’t have access to formal pensions or retirement savings. The scheme offers them a safety net in old age.
📢 Government’s Vision Behind the Scheme
The E Shram Card Pension Yojana aligns with India’s goal of inclusive financial security, ensuring that no hardworking citizen is left behind when it comes to old-age benefits. It provides dignity and stability to those who work tirelessly but informally throughout their lives.
🧠 Conclusion
The E Shram Card Pension Yojana 2025 is a revolutionary step toward uplifting the unorganized workforce by providing financial assistance in the form of a pension. If you or your loved ones fall under the eligible category, it’s wise to enroll early, contribute regularly, and ensure financial security after retirement.