MAANDHAN | CSC e-Governance Services India Limited

Pradhan Mantri Shram Yogi Maandhan is a voluntary and contributory Pension Scheme for Unorganized Workers for entry age of 18 to 40 years with monthly income of Rs.15000 or less.

Any unorganized worker in the age group of 18-40 years, whose job is casual in nature , such as home based workers, street vendors, head loaders, brick kiln, cobblers, rag pickers, domestic workers, washer-men, Rickshaw Pullers, Rural landless labourers, own account workers, agricultural workers, construction workers, beedi workers, handloom workers, leather workers, etc. with monthly income less than Rs 15,000/-. The worker should not be covered under any statutory social security schemes such as National Pension Scheme (NPS), Employees’ State Insurance Corporation scheme, Employees’ Provident Fund Organization Scheme and is not an income tax payee.

If any Unorganized worker subscribes the scheme and has paid regular contribution up to the age of 60 years, he will get a minimum monthly pension of Rs. 3000/-. After his/ her death, spouse will receive a monthly family pension which is 50 % of the pension.

Once the beneficiary joins the scheme at the entry age between 18-40 years, he has to contribute till he attains the age 60 years.

Under the Scheme, minimum pension is of Rs. 3000/- per month shall be paid. This pension will start on attaining the age of 60 years of the subscriber.

Under the scheme any worker who is covered under any statutory Social Security Scheme such as NPS, ESIC, EPFO and an income tax payee is not entitled to join the scheme.

No separate proof of age or the income has to be given. Self Certification and providing of the Aadhaar number will be the basis for enrollment. However in case of any false declaration, may attract appropriate penalty.

Primarily, the mode of contribution is on monthly basis by auto-debit. However, it will also have provisions of quarterly, half yearly and yearly contribution. First contribution is to be paid in cash at Common Service Centre.

There will be no administrative cost to the subscriber as it is a purely Social Security Scheme of Government of India.

Yes, under the scheme, nomination facility is available. Beneficiary can nominate any one as nominee under the scheme.

In such an event, if a beneficiary has given regular contribution and died due to any cause, his/her spouse will be entitled to join and continue the scheme subsequently by payment of regular contribution for the remaining period. On completion of the contribution period, the spouse will receive a monthly pension of Rs. 3000/-. Alternatively, if the spouse so desires, the amount of the member’s contribution will be returned back to his/ her nominee with an interest equivalent to saving bank rates interest.

No. There are no minimum educational qualifications necessary for joining the Scheme.

Spouse, if living, will automatically be the beneficiary of family pension on information of death and production of death certificate.

The subscriber has to provide Aadhar card, savings bank passbook and a Self-Certified form along with consent form for auto-debit facility.

Yes. After joining the Scheme, the subscriber has to pay the prescribed monthly contribution till the age of 60 years.

In case the worker moves from the unorganized sector to the organized sector, in such an event, the subscriber can continue with scheme however the Govt. contribution will stop and the member will have to pay additional amount equal to the Govt. Share. Alternatively, he may withdraw his contribution with interest.

It is an old age pension scheme for all land holding Small and Marginal Farmers (SMFs) in the country. It is a voluntary and contributory pension scheme for the entry age group of 18 to 40 years with a provision of payment of Rs. 3000/- monthly pension on attaining the age of 60 years, subject to certain exclusion criteria.

A Small and Marginal landholder farmer is defined as a farmer who owns cultivable land upto 2 hectare as per land record of the concerned State/UT.

Under the scheme, the subscriber would receive the following benefits:

Minimum Assured Pension: Each subscriber under the Pradhan Mantri Kisan Maandhan Yojana shall receive minimum assured pension of Rs. 3000/- per month after attaining the age of 60 years.
Family Pension:During the receipt of pension, if the subscriber dies, the spouse of the beneficiary shall be entitled to receive 50% of the pension received by the beneficiary as family pension provided he/she is not already a beneficiary of the scheme. Family pension is applicable only to spouse.
If a beneficiary has given regular contribution and died of any cause (before age of 60 years), his/her spouse will be entitled to join and continue the scheme subsequently by payment of regular contribution or exit the scheme as per provisions of exit and withdrawal.

All Small and Marginal Farmers having cultivable landholding upto 2 hectares falling in the age group of 18 to 40 years, whose names appear in the land records of States/UTs as on 01.08.2019 are eligible to get benefit under the Scheme. However, out the these, the following are ineligible to get the benefits:

SMFs covered under any other statuary social security schemes such as National Pension Scheme (NPS), Employees’ State Insurance Corporation scheme, Employees’ Fund Organization Scheme etc.
Farmers who have opted for Pradhan Mantri Shram Yogi Maandhan Yojana administered by the Ministry of Labour & Employment.
Farmers who have opted for National Pension Scheme for Traders and Self Employed Persons Yojana administered by the Ministry of Labour & Employment.
Further, the following categories of beneficiaries of higher economic status shall not be eligible for benefits under the scheme:

All Institutional Land holders; and
Former and present holders of constitutional posts
Former and present Ministers/ State Ministers and former/present Members of Lok Sabha/ Rajya Sabha/ State Legislative Assemblies/ State Legislative Councils,former and present Mayors of Municipal Corporations,former and present Chairpersons of District Panchayats.
All serving or retired officers and employees of Central/ State Government Ministries/ Offices/Departments and its field units Central or State PSEs and Attached offices/ Autonomous Institutions under Government as well as regular employees of the Local Bodies (Excluding Multi Tasking Staff / Class IV/Group D employees)
All Persons who paid Income Tax in last assessment year.
Professionals like Doctors, Engineers, Lawyers, Chartered Accountants, and Architects registered with Professional bodies and carrying out profession by undertaking practices.

The cut-off date for determination of eligibility of beneficiaries under the scheme shall be 01.08.2019.

No. Serving or retired officer and employee of Central/State Government Ministries/Departments/Offices and its field units, Central and State PSEs and Attached Offices/Autonomous Institutions under the Government as well as regular employees of the Local Bodies are not eligible to get the benefit under the scheme. However, serving or retired Multi Tasking Staff/ Class IV/Group D employee is eligible to get the benefit under the scheme, subject to fulfilment of other eligibility criteria

No. Any individual farmer owning more that 2 hectare of cultivable land will not be eligible to get benefit under the scheme.

In case of incorrect declaration, the beneficiary shall be liable to get back his contributions without any interest thereon. The Central Government’s matching contribution will be stopped.

No. Land holding is the criteria to be eligible to get the benefit under the scheme.

The prevailing land ownership system /record of land in different States/UTs will be used to identify the eligible SMF, subject to exclusion criteria.

The beneficiary will provide following information at the time of registration.

The beneficiary will provide following information at the time of registration
Farmer’s / Spouse’s date of birth
Bank account number
IFSC/ MICR Code
Mobile Number
Aadhaar Number
Other customer information as available in the passbook which is required for mandate registration

The onus of recording the correct details of the customer and validation of customer will be on Common Service Centre e-Governance Services India Limited – Special Purpose Vehicle (CSC-SPV) or the State Nodal Officers (SNOs) under the Pradhan Mantri Kisaan Samman Nidhi (PM-Kisaan) Scheme. If there are any dispute at a later date by the customer on the debits to his/her account, the onus of resolving the dispute to the satisfaction of the customer will entirely rest with LIC.

Life Insurance Corporation of India (LIC) shall be the Pension Fund Manager and responsible for Pension Pay-Out.

Yes. The SMFs shall have the option to allow payment of his/her voluntary contribution to the Scheme from the financial benefits received by them from the PM-KISAAN Scheme, directly.
The eligible SMFs who are desirous of using their PM-Kisaan benefit for contributing for Pradhan Mantri Kisan Maandhan Yojana, will have to sign and submit an enrollment-cum-autodebit-mandate form for giving their consent for auto-debiting their bank accounts, in which their PM-Kisaan benefits are credited, so that their contributions are automatically paid.

The eligible SMFs who are not beneficiaries of PM-Kisaan or who have not given consent to allow payment from the benefit of PM-Kisaan shall submit an enrollment-cum-auto-debit mandate form for giving their consent to auto-debit a bank account which is normally used by them for bank transactions.

The Central Government through the Department of Agriculture, Cooperation and Farmers Welfare shall also contribute an equal amount as contributed by the eligible subscriber, to the pension Fund. Account of such co-contributions shall be maintained separately by the LIC and these co-contributions along with fund earnings from time to time shall be utilized for pension payment on the date of vesting. Co-contributions would not be paid to subscribers in case of pre-mature exits. In such a case, the co-contributions along with fund earnings will be transferred back to Pension Fund.

Yes. The State / UT Governments will have the option of sharing the burden of individual SMF beneficiary’s contribution.

The monthly contributions will fall due on the same day every month as enrollment date. The beneficiaries may also chose an option to pay their contributions on quarterly, 4-monthly or half-yearly basis. Such contributions will fall due on the same day of such period as the date of enrollment.

In case of death of subscriber before vesting date, the spouse of subscriber shall have an option of continuing the scheme by payment of remaining contributions under the scheme, provided she/he is not already an SMF beneficiary of the Scheme. The rate of contribution and vesting date shall remain the same. Pension accruals will be calculated as if subscriber were to be alive on the vesting date. However, the same pension would be payable to the spouse. Upon death of spouse after vesting date, pension corpus would be transferred back to Pension Fund.

In case of death of subscriber before vesting date, if the spouse does not exercise option of continuing under the scheme, then subscribers’ contributions along with fund interest earned or Savings Bank Interest whichever is higher would be payable to the spouse under the scheme

In case of death of subscriber before vesting date, if there is no spouse, then subscribers’ contributions along with fund interest earned or Savings Bank Interest, whichever is higher, would be payable to the nominee/s under the scheme. The cocontributions made by Government along with fund interest earned after adjusting for difference between Savings Bank Interest payable and fund interest earned, if any will be credited back to Pension fund of Government.

If a subscriber dies after the date of vesting, his/her spouse shall be entitled to receive 50% of the pension received by such eligible subscriber as Family Pension, provided she/he is not already an SMF beneficiary of the Scheme, and such family pension shall be applicable only to the spouse After death of subscriber as well as of his/her spouse, the corpus i.e. total accumulated contributions made by the subscriber and the Government shall be credited back to the fund.

Upon completion of enrollment process at Common Service Centres (CSC), an enrollment-cum-auto-debit-mandate form will be generated for taking consent of those farmers who are also beneficiaries of PM-Kisaan Scheme for auto-debiting their PM-Kisaan benefits from their bank accounts and signed by the subscriber.

In respect of those farmers who are not beneficiaries of PM-Kisaan Scheme, the enrollment-cum-auto-debit-mandate form will be generated for taking their consent for auto-debiting their active bank accounts and signed by the subscriber.

The CSC Centres would scan the signed enrollment-cum-auto-debit mandate form and upload the same on the CSC system.

Subsequent to this a pension card would be generated and given to subscriber as proof of pension account having been opened.

The enrollment at CSC Centres is free of cost and the applicant farmers / their spouse shall not have to pay any charge for the purpose.

The eligible beneficiaries may alternatively also enrol themselves by contacting physically the State Nodal Officers (SNOs) (or agencies designated by them) in their respective districts.

A Subscriber, who desires to change the bank details or any other details which are incorrect, will approach CSC or the Village Level Entrepreneur (VLE) present at the CSC, along with Pradhan Mantri Kisan Maandhan Yojana number and Aadhaar Card. However, the Date of Birth of the Subscriber cannot be changed at any time. The VLE at CSC will validate the credentials of the Member on the payment of the Amount / Fee as prescribed by the Government from time to time

It may so happen that subscriber’s bank account may not have sufficient funds for auto-debit of contributions to be successful. When contribution auto-debit is not successful on payment cycle immediately, following the contribution due date, the subscriber’s account will be deemed to have defaulted or will be treated as an account in default.
The demand would then be repeated in the next payment cycle.
When a Pradhan Mantri Kisan Maandhan Yojana Pension Account is in default, the same may be regularized with payment of all contributions that have fallen due along with interest as follows :
- Until 1 month from first unpaid contribution: No late fee would be charged. Account can be regularized by paying contribution amount only. Three payment cycles demand would be raised for payment of contribution without any interest.
- After one month from last unpaid contribution :
- 1. After one month from last unpaid contribution :
  2. No interest would be charged on the amount of contribution that became due immediately preceding the payment cycle date.
  3. However, if there are arrears of installments due on the due date immediately preceding the payment cycle date, late fee or at saving bank interest would be charged. Such late fee would be computed on each of the installment from due date of installment to the due date preceding the payment cycle date. If the period of default of a particular installment is up to 12 months, the reckoning of interest would be simple interest method. But if period of default of a particular installment is over 12 months, then compounding interest would be reckoned for completed number of years’ part and for remaining period simple interest would be reckoned.
  4. The rate of interest/late fee would be the one that is prevailing on the date of payment cycle date, as declared by the Government from time to time
  5. The rate of interest/late fee would be the one that is prevailing on the date of payment cycle date, as declared by the Government from time to time
- The interest/late fee charged would be credited into pension account and shall be part of fund earnings under the scheme.
- Interest is reckoned only from the date of remittance and credited on annual basis.
- Matching amount of co-contribution shall be credited by GOI which shall be maintained separately and this portion shall be utilized only for pension corpus on the vesting date.
If contributions remain unpaid for a period of six months, such account status would be changed to ‘dormant account’ and for dormant accounts demand would not be raised further. Suitable SMS alerts / notices would, however, be sent for the dormant status accounts for a period of three years from date of first unpaid contribution. He/she will, however, be allowed to regularize his/her contribution by paying the entire outstanding dues, along with interest of the rate as determined by the Government from time to time.
After lapse of period of three years from the date of last unpaid contribution, SMS alerts / notices would be stopped. However, Subscriber may make inquiries about status of his account through dedicated call centre or make on-line web inquires. He/she will, however, be allowed to regularize his/her contribution by paying the entire outstanding dues, along with interest of the rate as determined by the Government from time to time.
If a beneficiary becomes ineligible for the Pension under Pradhan Mantri Kisan Maandhan Yojana, his account will be active but Government’s contribution (50%) shall be stopped. If beneficiary agrees to pay the entire amount of the contribution, he will be allowed to operate the account. At the age of 60, he shall be allowed to withdraw his contribution with an interest equivalent to the prevailing saving bank rates.

There is no provision for commutation of pension.

Every Subscriber shall appoint / nominate the spouse or dependants as Beneficiary or Beneficiaries under the Scheme to receive the benefits hereunder in the event of the death of the subscriber.

Every appointment / nomination to be made under this Rule shall be in writing signed by the subscriber and shall remain in full force and effect until the death of the Beneficiary or until the same will be revoked in writing by the subscriber by whom the same was made and a fresh appointment / nomination is made in the manner aforesaid.

A subscriber may from time to time or at any time without the consent of the nominee, if any, revoke or change the nominee by filling a written notice of the change online or at the CSC in the prescribed form whereupon an acknowledgement of the change and the registration of the name of the new Nominee will be given to the subscriber online / at the CSC. The New appointment shall take effect on the date the notice was signed whether or not the subscriber is living on the date of acknowledgement of the change without prejudice to the Corporation on account of any payment made before the acknowledgement of the change.

If a Nominee shall at the time of his appointment be a minor or otherwise under disability to give a legal receipt or discharge to the LIC the subscriber must at the time of such appointment as aforesaid appoint a person who is major and who iscapable of giving a legal receipt or discharge to the Corporation and to whom the benefits are to be paid for and on behalf of such Nominee so long as such minority or disability continues.

If more than one Nominee is appointed and in such appointment the Subscriber has failed to specify their respective interest, the Nominees so named shall share equally. If any designated Nominee predeceases the Subscriber the interest of such Nominee shall terminates and his share shall be payable equally to such of the remaining Nominees as survive the Subscriber unless the Subscriber has made written request otherwise to the LIC in the prescribed form.

An Empowered Committee under the Chairmanship of Cabinet Secretary with Secretaries of the Department of Agriculture & Farmers’ Welfare, the Ministry of Electronics and Information Technology (MeitY), the Department of Expenditure, the Department of Financial Services and any other Secretary concerned as members shall review and monitor implementation of the Scheme through appropriate implementation strategies and to approve any modifications in the Scheme within the within the overall financial parameters of Scheme approved by the Cabinet, for effective implementation.

The overall implementation of the Scheme would be done by the Project Monitoring Unit (PMU) set up for PM-Kisaan Scheme at Central level in the DAC&FW. The PMU shall also undertake publicity campaign (Information, Education and Communication-IEC) for the Scheme and also incur various administrative expenses.

Each State/UT Government will designate a Nodal Department for implementation of the scheme and coordinating with Central Government with regard to implementation of the Scheme.

A Grievance Redressal Cell shall be set up both at State and District Levels accordingly with representation of State Nodal Officers, State Level Bankers’ Committee and Regional Manager, LIC. Similarly, District Levels shall have DLBC and LIC Representatives along with District level Government Officers.

All disputes to the extent of and limited to the transactions routed through National Automated Clearing House (NACH) system should be routed by the banks through the Dispute Management System (DMS) provided by NPCI. The disputes so raised on the Sponsor Bank shall be resolved within 30 days from the date of dispute. If the Sponsor Bank fails to respond / resolve the dispute within agreed time line, the disputed amount will be debited to the settlement account of the Sponsor Bank maintained with Reserve Bank of India (RBI).

Any disputes other than that detailed above shall be resolved by LIC, Sponsor Bank and the Ministry without any liability on the other participating stakeholders.

Any matter related to execution, grievance redressal, dispute resolution etc. may be referred to the Joint Secretary (Farmers Welfare), Department of Agriculture, Cooperation and Farmers Welfare, Ministry of Agriculture & farmers Welfare, Krishi Bhavan, New Delhi – 110001.

National Pension Scheme for Traders and Self Employed Persons Yojana is a voluntary and contributory Government Pension Scheme for Vyaparis, retail traders, shopkeepers and self-employed persons, with annual turn-over not exceeding Rs.1.5 crore. Entry age is 18 to 40 years. The scheme is implemented by Ministry of Labour & Employment, Government of India. The scheme has been notified vide its S.O 2615E, dated 22.02.2019.

Any retail trader, shopkeepers and self-employed person with annual turn-over not exceeding Rs.1.5 crore, in the age group of 18-40 year can subscribe this Scheme. They should not be an income tax payer or a member of National Pension Scheme (NPS - GOVT FUNDED), Employees’ State Insurance Corporation scheme (ESIC) and Employees’ Provident Fund Organization (EPFO) and Pradhan Mantri Shram Yogi Maandhan.

It is a social security/old age protection scheme for Vyaparis. Subscriber will get a minimum assured monthly pension of Rs. 3000/- after attaining the age of 60 years. During the receipt of the pension, if subscriber dies, her/his spouse will receive a monthly family pension equivalent to 50 % of the subscriber pension.

Once beneficiary joins the scheme at the entry age between 18-40 years, she/he has to continuously contribute till she/he attains the age 60 years.

Under the Scheme, a minimum monthly assured pension of Rs. 3000/- will commence after the subscriber attains the age of 60 years.

Under the scheme, the subscriber may visit the nearest Common Service Centre and get enrolled in the scheme using her/his Aadhar number and savings bank account/Jan-Dhan account number on self-certification basis. Nearest Common Service Centres (CSCs) can be located at locator.csccloud.in/.

You may visit the nearest Common Service Centre for enrollment. One can locate the nearest CSCs at locator.csccloud.in/. Or You may enroll yourself on the portal https://maandhan.in

Self-Certification and age as in Aadhaar card will be the basis for enrollment. However, any change of date of birth will not be allowed later.

Exit provisions are as under:

in case an eligible subscriber exits this Scheme within a period of less than ten years from the date of joining the Scheme by him, then his share of contribution only will be returned to him with savings bank rate of interest payable thereon.
if an eligible subscriber exits after completion of a period of ten years or more from the date of joining the Scheme by him but before his age of sixty years, then his share of contribution only shall be returned to him along with accumulated interest thereon as actually earned by the Pension Fund or the interest at the savings bank interest rate thereon, whichever is higher
if an eligible subscriber has given regular contributions and died due to any cause, her/his spouse shall be entitled to continue with the Scheme subsequently by payment of regular contribution as applicable or exit by receiving the share of contribution paid by such subscriber along with accumulated interest, as actually earned thereon by the Pension Fund or at the savings bank interest rate thereon, whichever is higher
in case of exit on account of clauses (i), (ii) and (iii) above, the accumulated share of Government’s contribution shall be credited back to the Pension Fund
any other exit provision, including nomination, as may be decided by the Central Government by issuing instructions from time to time.
after death of subscriber and his or her spouse, the corpus shall be credited back to the fund;

The scheme is being implemented through LIC and CSCs. LIC is the pension fund manager and also responsible for pension pay out.

Under the scheme, primary mode of contribution is on monthly basis through auto-debit from bank account. However, first month contribution is to be made in cash at CSC. Subscriber also has option to pay his/her contribution quarterly, half yearly or yearly.

The actual amount of the subscriber’s contribution depends upon subscriber’s entry age and remains fixed through till the age of 60 years. Contribution table can be seen.

Yes. Monthly subscription shall be automatically debited on a fixed date of every month from her/his linked savings account. Only, first subscription will be paid in cash for which receipt will be provided by concerned CSCs/VLEs.

The scheme is being administered by Ministry of Labour and Employment. JS & Director General (Labour Welfare) is the Nodal Officer of the scheme.

There is no administrative cost to the subscriber as it is a Social Security Scheme of the Government of India. The enrollment under the Scheme is free for subscribers.

Yes, there is a provision for family pension under the scheme. It is applicable only to the spouse of the subscriber. If the subscriber dies, after the pension has commenced, the spouse of the beneficiary shall be entitled to receive 50 % of the pension.

There is no loss to the subscriber at any point of time. Even if the subscriber exits the scheme at any time before 60 years of age, his entire contribution will be refunded with interest, as per the guidelines of the Scheme.

If the payment of subscription has been stopped or delayed, the subscriber can revive the scheme after paying the outstanding subscription with a nominal interest as decided by the Government.

In such an event, the subscriber will be paid back only his/her portion of total contribution with savings’ bank rate interest. She/he will not be entitled to receive the Government’s share.

If an eligible subscriber exits after completion of a period of ten years or more from the date of joining the scheme but before the age of sixty years, then her/his share of contribution only shall be returned to her/him along with accumulated interest thereon as actually earned by the pension fund or the interest at the savings bank interest rate thereon, whichever is higher.

In such cases, if a subscriber has given regular/default contribution and died due to any cause, her/his spouse will be entitled to join and continue the scheme subsequently by payment of regular contribution for the remaining period. On completion of the contribution period, the spouse will receive a monthly pension of Rs. 3000/-. Alternatively, if the spouse so desires, the amount of the member’s contribution with interest will be returned back to the spouse as per the guidelines of the Scheme.

No. The subscriber can make only fixed amount of contribution, as determined at the time of joining of the Scheme and as per the table in the scheme notification. Table is also annexed.

No such relaxation is available under the provision of the Scheme.

If an eligible subscriber makes a default in the payment of any contribution to be payable by her/him under this scheme, then she/he shall be allowed to regularize the contribution by paying the entire outstanding dues, along with interest at the rate as determined by the Ministry of Labour & Employment from time to time. Detailed guidelines will follow.

During the receipt of pension, if the subscriber dies, the spouse shall be entitled to receive 50% of the pension received by the beneficiary as family pension.

No such loan facility is available in the Scheme.

Yes. There is no such bar.

No. Any beneficiary, who is a member of Pradhan Mantri Shram Yogi Maandhan, is not eligible to join this Scheme.

Even if a subscriber is a member of Atal Pension Yojana or State-run Pensions like NSAP, Fisherman Pension Scheme, Municipality-run Pension Scheme or any other pension scheme, it will not bar her/him from availing this Scheme.

At present, the minimum assured pension is Rs. 3000/- per month. Enhancement of the quantum of pension, if any shall depend on the future policies/ earnings of the fund.

In order to provide online support or help to the subscriber, on the directions of Ministry of Labour and Employment, LIC has set up a dedicated toll free Call Centre 1800-2676-888. It is available 24X7.

No facility of partial withdrawal of contribution is available.

In case of loss, the Vyapari Pension card can be downloaded from the Portal free of cost or it can be got printed from CSC as per the charges fixed.

In such cases, no migration is required. Under the Scheme, subscriber can update the new Bank account number in her or his Pension account by visiting any CSC. Subscriber has to carry the savings bank account pass book, under her/his name.

It will be considered as default in payment and she/he will be allowed to regularize her/his contribution by paying entire outstanding dues, along with interest as decided by the Government (Ministry of Labour and Employment) from time to time. The banks may levy a penalty of Rs 10/- in such cases.

Submission of photograph at the time of registration is not required.

The Scheme is being administered by the Ministry of Labour and Employment in association with the LIC and CSC. Joint Secretary & Director General, Labour Welfare is the Nodal Officer of the Scheme. Therefore, in case of any clarification, one can contact Joint Secretary & DGLW, Ministry of Labour and Employment, Jaisalmer House, Mansingh Road, New Delhi-110011.

All these subscriber can continue to be part of National Pension Scheme for Traders and Self Employed Persons scheme.

The subscriber should exit National Pension Scheme for Traders and Self Employed Persons on becoming a member of Government funded NPS.

Yes, provided the co-operative bank is on the CBS platform, the savings’ bank account can be linked for auto debit.

Note: Any provisions on the implementation of the Scheme covered in the Pradhan Mantri Shram Yogi Maandhan Yojana, but not covered in the National Pension Scheme for Traders and Self Employed Persons Yojana, shall also be applicable to the National Pension Scheme for Traders and Self Employed Persons and vice versa.

What is Pradhan Mantri Shram Yogi Maandhan Yojana?

Who can subscribe this Scheme?

What is the benefit of this Scheme?

How many years the beneficiary will contribute?

How much pension would be received under the Scheme? At what age?

Who are not entitled to join this Scheme?

Whether I have to give proof of my date of birth and income?

What is the mode of contribution?

Will there be any administrative cost?

Whether nomination facility is there?

What happens in case of death before the start of pension?

Are there any educational qualifications prescribed for becoming a Member of Pradhan Mantri Shram Yogi Maandhan?

Whether any nomination facility (other than spouse) is available after the death of the subscriber?

What are the documents that are to be submitted at the enrollment Centre?

Is the subscriber required to pay the monthly contribution till the age of 60 years?

What happens if the worker joins this Scheme as an Unorganized worker and he joins the organized sector, gets enrolled under EPFO and again comes back to the Unorganized sector, what would be the modalities for the same?

What is Pradhan Mantri Kisan Maandhan Yojana?

What is the definition of Small and Marginal landholder farmer?

What are the benefits of the scheme?

Who is eligible to get the benefits under the Scheme?

What is the cut-off date for determination of eligibility of beneficiaries under the scheme?

Whether an employee of the Central/State Government/PSU/Autonomous Organization, etc. is eligible to get the benefit under the scheme?

Will any individual farmer owing more than 2 hectare of cultivable land get any benefit under the scheme?

What will happen if the beneficiary gives incorrect declaration to be an eligible subscriber of the scheme?

Does any person/farmer who is not having land holding in his name is eligible to get benefit under the scheme?

How the subscriber under the scheme will be identified and shortlisted under the scheme?

The prevailing land ownership system /record of land in different States/UTs will be used to identify the eligible SMF, subject to exclusion criteria.

Who will act as Pension Fund Manager for the Scheme?

Can contribution to the scheme may be made from the benefits received from PM-KISAAN Scheme?

How the monthly contribution can be made by a subscriber, if he is not willing to give their consent for auto-debit from PM-KISAAN benefits or are not a beneficiary of PM-KISAAN?

What would constitute a Pension Fund?

Will State/UT Governments are permitted to share the burden of individual SMF beneficiary contribution?

What will be the due date for monthly contribution?

Can the spouse of a subscriber continue in case of death of the subscriber before vesting date? What are the eligible benefits under various circumstances ?

When CSC would issue a Pension Card to the subscriber?

Whether the applicant farmers / their spouse will be charged any fee for enrollment under the Scheme?

What is the alternative mechanism for registration of eligible beneficiary other than enrollment through CSC?

How the subscriber will change his bank details or any other details which are not correct?

What are the provisions relating to default in payment of contributions?

Is there any provision for commutation of pension under the scheme?

What is the process of nomination under the scheme?

What is the process of Review, Monitoring and Grievance Redressal Mechanism?

What is National Pension Scheme for Traders and Self Employed Persons Yojana?

Who can subscribe this Scheme?

What is the benefit of this Scheme?

How many years the beneficiary will contribute?

How much pension would be received under the Scheme? At what age?

How can one join the scheme?

Where do I go for enrollment?

Whether I have to give proof of my date of birth?

What are the exit provisions?

What is the role of Life Insurance Corporation of India (L.I.C)?

What is the mode of contribution?

How much contribution I have to pay?

Whether there is auto-debit facility?

Who is the nodal officer in the Ministry of Labour & Employment?

Is there any cost for enrollment?

Whether there is provision for family pension?

Is there any loss to the subscriber at any stage?

If the payment of subscription is stopped, can a subscriber re-join/ revive the scheme again?

What happens if the subscriber exits the scheme before 10 years of regular contributions?

What happens if the subscriber exits the scheme after 10 years but before the pension commences?

What happens in case of death before the start of pension?

Can the subscriber make voluntary contribution over and above the amount prescribed under the Scheme? If so, what will be the benefits to the subscriber?

Can the age be relaxed for the Unorganized worker above 40 years, to join the Scheme, by making additional or higher contribution?

Will there be any additional charge in case of any default in contribution by the subscriber? If so, what will be the quantum of additional charges?

Whether spouse is entitled for family pension after the death of subscriber?

Is there any provision for availing interim loan for education, marriage and construction.

Can a beneficiary who is a subscriber to Public Provident Fund Scheme, be eligible to join National Pension Scheme for Traders and Self Employed Persons?

Can a beneficiary who is a subscriber Pradhan Mantri Shram Yogi Maandhan, be eligible to join National Pension Scheme for Traders and Self Employed Persons?

Whether beneficiaries under Atal Pension Yojana (APY) can avail benefits under National Pension Scheme for Traders and Self Employed Persons?

Will the quantum of pension be enhanced beyond Rs.3,000/- per month, due to inflation in future ?

Is there any help line/ grievance redressal mechanism?

Is there any partial withdrawal of contribution in case of certain exigencies? If yes, after how much lock-in period?

Can the Vyapari Pension Card be downloaded again in case of loss/damage, etc.? Whether any charges are to be paid for the same?

Is there a provision for migration of the pension account if the worker changes the linked bank account for auto debit?

If subscriber has insufficient balance in her/his bank account for auto debit, what will happen to her/his pension account?

Whether the subscriber has to submit his photograph at the time of registration?

In case of any further clarification, who can be contacted?

What happens if: a subscriber’s monthly annual turnover exceeds Rs. 1.5 crore, after joining the scheme? a subscriber becomes a member of ESIC after joining the scheme? a subscriber becomes an income-tax payer after joining the scheme?