{"id":221,"date":"2020-05-16T09:26:05","date_gmt":"2020-05-16T03:56:05","guid":{"rendered":""},"modified":"2026-09-03T16:46:47","modified_gmt":"2026-09-03T16:46:47","slug":"benefits-of-pm-sym-scheme-for-pf-holders","status":"publish","type":"post","link":"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/","title":{"rendered":"Benefits of PM-SYM scheme for PF holders"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #1e73be;color:#1e73be\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #1e73be;color:#1e73be\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#What_is_PM-SYM\" >What is PM-SYM?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#PM-SYM_Pradhan_Mantri_Shram_Yogi_Maan-Dhan_is_a_voluntary_and_contributory_pension_scheme_for_unorganized_workers_from_18_to_40_years_of_age_with_monthly_income_less_or_equal_to_Rs_15000_per_month\" >PM-SYM (Pradhan Mantri Shram Yogi Maan-Dhan) is a voluntary and contributory pension scheme for unorganized workers from 18 to 40 years of age with monthly income less or equal to Rs. 15000 per month.<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#Who_can_subscribe_to_this_scheme\" >Who can subscribe to this scheme?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#Any_unorganized_worker_aged_18_to_40_years_whose_work_is_done_by_house-to-house_workers_street_vendors_head_loaders_brick_kilns_cobblers_rag-rappers_domestic_workers_washer-men_rickshaw_drivers_rural_landless_Workers_natural_Workers_agricultural_laborers_construction_laborers_beedi_laborers_handloom_laborers_leather_laborers_etc_who_have_a_monthly_income_less_than_Rs_15000\" >Any unorganized worker, aged 18 to 40 years, whose work is done by house-to-house workers, street vendors, head loaders, brick kilns, cobblers, rag-rappers, domestic workers, washer-men, rickshaw drivers, rural landless Workers, natural Workers, agricultural laborers, construction laborers, beedi laborers, handloom laborers, leather laborers, etc., who have a monthly income less than Rs. 15,000\/-.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#The_employee_should_not_be_covered_under_any_Legal_social_security_schemes_like_the_National_Pension_Scheme_NPS_Employees_State_Insurance_Corporation_Scheme_Employees_Provident_Fund_Organization_Scheme_and_should_not_be_an_income_taxpayer\" >The employee should not be covered under any Legal social security schemes like the National Pension Scheme (NPS), Employees State Insurance Corporation Scheme, Employees Provident Fund Organization Scheme and should not be an income taxpayer.&nbsp;<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#What_is_the_benefit_of_this_scheme\" >What is the benefit of this scheme?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#If_any_unorganized_worker_subscribes_to_the_scheme_and_pays_regular_contributions_till_the_age_of_60_years_the_person_will_get_Rs_3000_%E2%80%93_minimum_monthly_pension_After_hisher_death_the_spouse_will_receive_a_monthly_family_pension_which_is_50_of_the_pension\" >If any unorganized worker subscribes to the scheme and pays regular contributions till the age of 60 years, the person will get Rs. 3000 \/ &#8211; minimum monthly pension. After his\/her death, the spouse will receive a monthly family pension which is 50% of the pension.<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#For_how_many_years_will_the_beneficiary_contribute\" >For how many years will the beneficiary contribute?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#Once_the_beneficiary_joins_the_scheme_at_the_entry_age_between_18-40_years_he_will_have_to_contribute_until_he_attains_the_age_of_60_years\" >Once the beneficiary joins the scheme at the entry age between 18-40 years, he will have to contribute until he attains the age of 60 years.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#Note_The_beneficiary_is_that_employee_who_has_PF_registration_and_filing_the_PF_return\" >Note: The beneficiary is that employee who has PF registration and filing the PF return.<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#Who_is_not_entitled_to_join_this_scheme\" >Who is not entitled to join this scheme?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#Under_this_scheme_any_workers_who_are_covered_under_any_legal_social_security_scheme_like_NPS_ESIC_EPFO_and_Income_Tax_Pay_are_not_entitled_to_join_the_scheme\" >Under this scheme, any workers who are covered under any legal social security scheme like NPS, ESIC, EPFO , and Income Tax Pay are not entitled to join the scheme.<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#What_will_be_the_process_of_joining_this_scheme\" >What will be the process of joining this scheme?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#Under_this_scheme_customers_can_create_their_nearest_PM-SYM_on_their_basis_using_Aadhaar_card_number_and_Savings_bank_account_Jan-Dhan_account_number_All_the_branch_offices_of_LIC_EPFO_ESIC_offices_will_facilitate_the_customers_about_the_scheme_its_benefits_and_the_procedure_to_be_followed_for_enrollment_They_will_also_advise_them_to_locate_the_nearest_CSC\" >Under this scheme, customers can create their nearest PM-SYM on their basis using Aadhaar card number and Savings bank account \/ Jan-Dhan account number. All the branch offices of LIC, EPFO \/ ESIC offices will facilitate the customers about the scheme, its benefits and the procedure to be followed for enrollment. They will also advise them to locate the nearest CSC.<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#Will_a_person_have_to_provide_proof_of_their_date_of_birth_and_income\" >Will a person have to provide proof of their date of birth and income?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#No_separate_proof_of_age_or_income_will_have_to_be_provided_Enrollment_of_self-certification_and_providing_Aadhaar_number_will_be_the_basis_of_enrollment_However_in_case_of_any_false_declaration_the_appropriate_penalty_may_attract\" >No separate proof of age or income will have to be provided. Enrollment of self-certification and providing Aadhaar number will be the basis of enrollment. However, in case of any false declaration, the appropriate penalty may attract.<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#Who_will_be_the_fund_manager_of_this_scheme\" >Who will be the fund manager of this scheme?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/#The_PM-SYM_scheme_has_been_operated_through_Life_Insurance_Corporation_of_India_and_CSC_e-Governance_Services_India_Limited_CSC_SPV_LIC_will_be_the_pension_fund_manager_and_will_be_responsible_for_pension_payments_To_know_more_about_the_role_of_LIC_under_this_scheme_checkout_for_the_further_posted_article\" >The PM-SYM scheme has been operated through Life Insurance Corporation of India and CSC e-Governance Services India Limited (CSC SPV). LIC will be the pension fund manager and will be responsible for pension payments. To know more about the role of LIC under this scheme checkout for the further posted article.<\/a><\/li><\/ul><\/nav><\/div>\n<h5><span class=\"ez-toc-section\" id=\"What_is_PM-SYM\"><\/span><b>What is PM-SYM?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<h6><b><br \/><\/b><\/h6>\n<h4><span class=\"ez-toc-section\" id=\"PM-SYM_Pradhan_Mantri_Shram_Yogi_Maan-Dhan_is_a_voluntary_and_contributory_pension_scheme_for_unorganized_workers_from_18_to_40_years_of_age_with_monthly_income_less_or_equal_to_Rs_15000_per_month\"><\/span>PM-SYM (Pradhan Mantri Shram Yogi Maan-Dhan) is a voluntary and contributory pension scheme for unorganized workers from 18 to 40 years of age with monthly income less or equal to Rs. 15000 per month.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h6><\/h6>\n<h5><span class=\"ez-toc-section\" id=\"Who_can_subscribe_to_this_scheme\"><\/span><b>Who can subscribe to this scheme?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<h6><b><br \/><\/b><\/h6>\n<h4><span class=\"ez-toc-section\" id=\"Any_unorganized_worker_aged_18_to_40_years_whose_work_is_done_by_house-to-house_workers_street_vendors_head_loaders_brick_kilns_cobblers_rag-rappers_domestic_workers_washer-men_rickshaw_drivers_rural_landless_Workers_natural_Workers_agricultural_laborers_construction_laborers_beedi_laborers_handloom_laborers_leather_laborers_etc_who_have_a_monthly_income_less_than_Rs_15000\"><\/span>Any unorganized worker, aged 18 to 40 years, whose work is done by house-to-house workers, street vendors, head loaders, brick kilns, cobblers, rag-rappers, domestic workers, washer-men, rickshaw drivers, rural landless Workers, natural Workers, agricultural laborers, construction laborers, beedi laborers, handloom laborers, leather laborers, etc., who have a monthly income less than Rs. 15,000\/-.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h6><\/h6>\n<h4><span class=\"ez-toc-section\" id=\"The_employee_should_not_be_covered_under_any_Legal_social_security_schemes_like_the_National_Pension_Scheme_NPS_Employees_State_Insurance_Corporation_Scheme_Employees_Provident_Fund_Organization_Scheme_and_should_not_be_an_income_taxpayer\"><\/span>The employee should not be covered under any Legal social security schemes like the National Pension Scheme (NPS), Employees State Insurance Corporation Scheme, Employees Provident Fund Organization Scheme and should not be an income taxpayer.&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h6><\/h6>\n<h5><span class=\"ez-toc-section\" id=\"What_is_the_benefit_of_this_scheme\"><\/span><b>What is the benefit of this scheme?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<h6><b><br \/><\/b><\/h6>\n<h4><span class=\"ez-toc-section\" id=\"If_any_unorganized_worker_subscribes_to_the_scheme_and_pays_regular_contributions_till_the_age_of_60_years_the_person_will_get_Rs_3000_%E2%80%93_minimum_monthly_pension_After_hisher_death_the_spouse_will_receive_a_monthly_family_pension_which_is_50_of_the_pension\"><\/span>If any unorganized worker subscribes to the scheme and pays regular contributions till the age of 60 years, the person will get Rs. 3000 \/ &#8211; minimum monthly pension. After his\/her death, the spouse will receive a monthly family pension which is 50% of the pension.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h6><\/h6>\n<h5><span class=\"ez-toc-section\" id=\"For_how_many_years_will_the_beneficiary_contribute\"><\/span><b>For how many years will the beneficiary contribute?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<h6><b><br \/><\/b><\/h6>\n<h4><span class=\"ez-toc-section\" id=\"Once_the_beneficiary_joins_the_scheme_at_the_entry_age_between_18-40_years_he_will_have_to_contribute_until_he_attains_the_age_of_60_years\"><\/span>Once the beneficiary joins the scheme at the entry age between 18-40 years, he will have to contribute until he attains the age of 60 years.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Note_The_beneficiary_is_that_employee_who_has_PF_registration_and_filing_the_PF_return\"><\/span>Note: The beneficiary is that employee who has <a href=\"https:\/\/www.legalsalaah.com\/pf-registration.html\" target=\"_blank\"><font color=\"#085294\">PF registration<\/font><\/a> and filing the <a href=\"https:\/\/www.legalsalaah.com\/pf-return.html\" target=\"_blank\"><font color=\"#085294\">PF return<\/font><\/a>.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h6><\/h6>\n<h5><span class=\"ez-toc-section\" id=\"Who_is_not_entitled_to_join_this_scheme\"><\/span><b>Who is not entitled to join this scheme?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<h6><\/h6>\n<h4><span class=\"ez-toc-section\" id=\"Under_this_scheme_any_workers_who_are_covered_under_any_legal_social_security_scheme_like_NPS_ESIC_EPFO_and_Income_Tax_Pay_are_not_entitled_to_join_the_scheme\"><\/span>Under this scheme, any workers who are covered under any legal social security scheme like NPS, ESIC, EPFO , and Income Tax Pay are not entitled to join the scheme.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h6><\/h6>\n<h5><span class=\"ez-toc-section\" id=\"What_will_be_the_process_of_joining_this_scheme\"><\/span><b>What will be the process of joining this scheme?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<h6><\/h6>\n<h4><span class=\"ez-toc-section\" id=\"Under_this_scheme_customers_can_create_their_nearest_PM-SYM_on_their_basis_using_Aadhaar_card_number_and_Savings_bank_account_Jan-Dhan_account_number_All_the_branch_offices_of_LIC_EPFO_ESIC_offices_will_facilitate_the_customers_about_the_scheme_its_benefits_and_the_procedure_to_be_followed_for_enrollment_They_will_also_advise_them_to_locate_the_nearest_CSC\"><\/span>Under this scheme, customers can create their nearest PM-SYM on their basis using Aadhaar card number and Savings bank account \/ Jan-Dhan account number. All the branch offices of LIC, EPFO \/ ESIC offices will facilitate the customers about the scheme, its benefits and the procedure to be followed for enrollment. They will also advise them to locate the nearest CSC.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h6><\/h6>\n<h5><span class=\"ez-toc-section\" id=\"Will_a_person_have_to_provide_proof_of_their_date_of_birth_and_income\"><\/span><b>Will a person have to provide proof of their date of birth and income?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<h6><\/h6>\n<h4><span class=\"ez-toc-section\" id=\"No_separate_proof_of_age_or_income_will_have_to_be_provided_Enrollment_of_self-certification_and_providing_Aadhaar_number_will_be_the_basis_of_enrollment_However_in_case_of_any_false_declaration_the_appropriate_penalty_may_attract\"><\/span>No separate proof of age or income will have to be provided. Enrollment of self-certification and providing Aadhaar number will be the basis of enrollment. However, in case of any false declaration, the appropriate penalty may attract.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h6><\/h6>\n<h5><span class=\"ez-toc-section\" id=\"Who_will_be_the_fund_manager_of_this_scheme\"><\/span><b>Who will be the fund manager of this scheme?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<h6><\/h6>\n<h4><span class=\"ez-toc-section\" id=\"The_PM-SYM_scheme_has_been_operated_through_Life_Insurance_Corporation_of_India_and_CSC_e-Governance_Services_India_Limited_CSC_SPV_LIC_will_be_the_pension_fund_manager_and_will_be_responsible_for_pension_payments_To_know_more_about_the_role_of_LIC_under_this_scheme_checkout_for_the_further_posted_article\"><\/span>The PM-SYM scheme has been operated through Life Insurance Corporation of India and CSC e-Governance Services India Limited (CSC SPV). LIC will be the pension fund manager and will be responsible for pension payments. To know more about the role of LIC under this scheme checkout for the further posted article.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n","protected":false},"excerpt":{"rendered":"<p>There are many schemes for employees under PF in which one such is Pradhan Mantri Shram Yogi Maan Dhan Yojna which provides benefits after the retirement of the employees. PM-SYM is a central store scheme.<\/p>\n","protected":false},"author":1,"featured_media":496,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-221","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-labour-law-employment"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Benefits of PM-SYM scheme for PF holders<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legalsalaah.com\/blog\/benefits-of-pm-sym-scheme-for-pf-holders\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Benefits of PM-SYM scheme for PF holders\" \/>\n<meta property=\"og:description\" content=\"There are many schemes for employees under PF in which one such is Pradhan Mantri Shram Yogi Maan Dhan Yojna which provides benefits after the retirement of the employees. 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