Table of Contents
PM Shram Yogi Maandhan Yojana Kya Hai? Quick Samajh
Yeh ek voluntary aur contributory pension scheme hai jo unorganized workers ko budhape mein financial security deti hai. Government aapke har mahine ke contribution ko 50-50 match karti hai. 60 saal ke baad lifetime ₹3000 pension milti hai. Spouse ko bhi family pension ka option hai. Scheme March 2019 mein launch hui thi aur ab 2025 tak bahut improvements aa chuke hain jaise e-Shram portal se direct integration aur Donate-a-Pension module.
Kaun Eligible Hai Mandhan in Registration Ke Liye? (Eligibility Criteria)
Scheme mein apply karne se pehle yeh check kar lo:
- Unorganized worker (mazdoor, rickshaw wale, construction worker, home-based worker wagairah – list labour.gov.in par mil jayegi)
- Entry age 18 se 40 saal tak
- Monthly income ₹15,000 ya usse kam
- Income Tax payer nahi hona chahiye
- NPS, ESI ya EPF ke under already covered nahi hona chahiye
Tip: Agar aap e-Shram portal par already registered ho (30.51 crore+ workers registered hain Dec 2024 tak), toh mandhan in registration aur bhi jaldi ho jayega.
Mandhan in Registration Kaise Kare – Step-by-Step Process (Sabse Easy Tarika)
Ab asli kaam ki baat. Do tarike hain – CSC ke through (sabse common) ya Maandhan portal par. Main detail se batata hoon:
Option 1: Nearest Common Service Centre (CSC) Se (Recommended for Beginners)
- Apne area ka CSC dhundo – csc.gov.in par search karo ya 1800-2676-888 par call karo.
- Aadhaar card aur savings bank account/Jandhan passbook leke jao (IFSC code ke saath).
- CSC VLE aapka Aadhaar biometric authentication karega.
- Online form fill hoga – naam, DOB, mobile, bank details, spouse aur nominee info.
- Pehla monthly contribution cash mein pay karo (jaise 18 saal ke liye ₹55).
- Auto-debit NACH mandate sign karo taaki future contributions bank se auto cut ho.
- Enrollment complete! Turant laminated PM-SYM card mil jayega + acknowledgment.
Time: Sirf 15-30 minutes. Processing time: Instant.
Option 2: Online Self-Registration (Maandhan Portal ya e-Shram Se)
- https://maandhan.in/ par jao.
- New Enrollment option choose karo.
- Aadhaar number se login/authenticate.
- Bank details aur self-declaration fill karo.
- First contribution pay karo (UPI/net banking se bhi possible).
- Confirmation email/SMS aur digital card mil jayega.
Ab e-Shram integration ki wajah se agar aap already e-Shram par ho toh direct link se mandhan in registration ho sakta hai. Facilitation centres mein LIC branch, labour office ya ESIC/EPFO bhi help karte hain.
Required Documents – Checklist (Sab Ready Rakh Lo)
- Aadhaar Card (original + photocopy)
- Savings Bank Passbook ya Cancelled Cheque (IFSC ke saath)
- Mobile number (linked with Aadhaar)
- Passport size photo (kuch CSC mein)
- Self-declaration form (income aur eligibility ka)
Note: Koi extra document nahi chahiye – self-certification par based hai.
Monthly Contribution Kitna Hai? (Age-wise Table)
| Age at Entry | Aapka Contribution (₹) | Government Contribution (₹) |
|---|---|---|
| 18 saal | 55 | 55 |
| 20 saal | 65 | 65 |
| 25 saal | 80 | 80 |
| 30 saal | 105 | 105 |
| 35 saal | 150 | 150 |
| 40 saal | 200 | 200 |
Jitni jaldi join karoge, utna kam contribution! 60 saal ke baad pension start.
Scheme Ke Benefits – Kyun Join Karna Chahiye?
- Lifetime ₹3000 monthly pension (60 saal baad)
- Spouse ko 50% family pension
- Government matching contribution – double saving
- Voluntary exit, revival, claim status jaise features
- Donate-a-Pension option – employer bhi contribute kar sakta hai
- Free enrollment service charge (sirf first contribution)
Ek chhoti si kahani: Mere ek dost ka rickshaw pullne wala uncle 35 saal ke the. Unhone 2 saal pehle mandhan in registration kiya. Aaj unko confidence hai ki 60 ke baad ghar chalega bina tension ke. Unhone kaha, “Yeh scheme hamare jaise workers ke liye asli vardaan hai – sarkar bhi saath de rahi hai.”
Kaun Chala Raha Hai Scheme? Latest Official Update
Central Government – Ministry of Labour & Employment. LIC pension fund manager hai aur CSC SPV enrollment handle karta hai. Last major update March 2025 mein PIB notification mein aaya jisme e-Shram integration, 3 saal tak dormant account revival aur SMS campaigns ka zikr tha. Abhi tak 30.51 crore+ unorganized workers e-Shram par registered hain (Dec 2024 data).
Frequently Asked Questions (FAQ)
1. Mandhan in registration completely free hai?
Nahi, sirf service charge free hai. Pehla contribution aapko dena padega, baaki government match karti hai.
2. Agar main 40 saal ka hoon toh bhi join kar sakta hoon?
Haan, 40 saal tak eligible ho. Contribution ₹200 mahine ka hoga.
3. Pension kab se milna shuru hogi?
60 saal poore hone ke baad, lifetime tak har mahine ₹3000 DBT se bank account mein.
4. Kya PM Kisan Maandhan ya Laghu Vyapari Maandhan alag hai?
Haan, alag target groups ke liye hain lekin registration process same hai aur maandhan.in portal common hai.
5. Account dormant ho gaya toh kya karun?
Ab 3 saal tak revival possible hai – CSC ya portal se contact karo.
6. Helpline number kya hai?
1800-2676-888 (24×7) ya 14434. Complaints ke liye maandhan.in par portal hai.
Maandhan yojna bewkoof banane wali yojna he ,gov me 60 saal tsk tumse har mahine pese dalwayegi aur usko use karegi par tumhe 60 saal baad har mahine 3000 rupees hi milenge aur aaj se 60 saal baad agar mehangai 10% bhi bad gai tab wo 3000 ki value 300 rupees jitni reh jayegi matlab ekdam bekar sceme sirf aur sirf garibo ka pesa use karna chahti he gov aur kuchh nahi .jabki aaj se 60 saal baad mehngai kai guna bad jayegi aur 3000 bas ek chillar eh jayega ,kya tum chate ho cillar ke liye apni mehnat ki kamai ko is trah barbad karna?