Pradhan Mantri Shram Yogi Mandhan Yojana 2024: Workers working in the unorganized sector have to face many types of difficulties. Due to which their financial situation is not good, so they can barely meet their daily needs and have no means to provide financial strength for the future. Therefore the government Pradhan Mantri Shram Yogi Mandhan Yojana It has been released. According to which workers in the unorganized sector will receive a monthly pension from the age of 60 years.
To do this, workers must first apply for the plan and pay the premium until they turn 60. When the worker turns 60 years of age, he will receive a monthly pension of up to ₹3,000 every month. The benefit of this will be that workers will have financial freedom to earn a living in old age.
If you also want to get the benefit of this plan then continue reading this post because later we will tell you how you can avail Pradhan Mantri Shram Yogi Maandhan Yojana 2024., What is your application process, what documents and eligibility criteria need to be met and what are the investment and withdrawal rules in this plan, etc.?
What is Pradhan Mantri Shram Yogi Maandhan Yojana?
PM Shram Yogi Mandhan Yojana is a scheme under which by investing you can get a monthly pension of ₹3,000 after the age of 60. This plan works under LIC and you have to pay the premium only at the LIC office. This plan is especially aimed at work yogis so that they can receive financial strength in old age.
As per the eligibility, if you are a worker working in the unorganized sector and your age is between 18 and 40 years, you can apply under this Shram Maandhan Yojana. For your information, let us tell you that the more the workers contribute in this plan, the more returns they will get in the future. The investment process in this plan is very simple, to obtain information about which you will have to read this post until the end.
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What is the objective of Pradhan Mantri Shram Yogi Maandhan Yojana?
Given the struggle of workers who work in the informal sector, to provide them with economic strength in old age. Pradhan Mantri Shram Yogi Mandhan Yojana Its launch was announced. Under this scheme, after the age of 60, workers receive financial assistance through a pension of Rs 3,000 per month. With the financial freedom that this amount provides, the beneficiaries will be able to easily live their lives in old age and will not have to depend on anyone else for their basic needs. Efforts are being made to make working yogis self-reliant and empowered through this scheme.
What are the benefits of Pradhan Mantri Shram Yogi Mandhan Yojana?
- The benefit of Shram Yogi Maandhan Yojana will be given to workers in unorganized sectors.
- This scheme will provide a pension of Rs 3,000 every month to the beneficiaries after the age of 60, thereby providing financial security to the beneficiaries in old age.
- The more you contribute to this plan, the more you will benefit.
- If the beneficiary of the scheme dies, his wife will continue to receive half the pension amount i.e. one thousand five hundred rupees as financial assistance for life.
- The pension amount provided by the government will be directly transferred to the savings account of the beneficiaries.
- Let us tell you that the beneficiaries will be able to deposit the monthly premium under the plan in the LIC office and at the end of the maturity period of the plan, LIC will also give the monthly pension to the beneficiary.
- As per the withdrawal rule, if the beneficiary withdraws from this scheme within a period of less than 10 years from the date of the scheme, then that part of the contribution will be returned to him only along with the prescribed interest at the rate of interest of the Savings bank. .
- In case of withdrawal after turning 10 years but before turning 60, the beneficiary will receive a part of the contribution along with the accrued interest.
- In the event of the death of the policyholder, his or her spouse can continue the plan with regular contributions.
- We inform you that after the death of the applicant, 50% of the pension i.e. one thousand five hundred rupees is given to the family of the applicant. This amount will be given to the nominee selected by the beneficiary.
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Who are the beneficiaries of Pradhan Mantri Shram Yogi Mandhan Yojana?
For your information, we would like to inform you that the benefit of this scheme will be given to the workers working in the unorganized sector. Therefore, know that only workers who belong to the following categories will be eligible to take advantage of all the benefits of the plan:
- small and marginal farmers
- landless agricultural worker
- construction workers
- infrastructure workers
- fisherman
- animal caretaker
- leather craftsman
- weaver
- sweeper
- fruit and vegetable seller
- migrant worker
- Workers working in brick kilns and stone quarries.
- Domestic workers, etc.
Withdrawal rules under Pradhan Mantri Shram Yogi Mandhan Yojana
In case you abandon Pradhan Mantri Shram Yogi Mandhan Yojana mid-way or withdraw money prematurely, you will have to follow the following terms and conditions:
- If you leave the plan before 10 years, your contribution will be made at the savings account rate.
- If the investor dies, the insured’s life partner can continue the plan.
- If the plan is abandoned after a period of 10 years or more but before reaching age 60, the beneficiary will receive the contribution, as well as the interest accrued in the contribution or savings account, whichever is greater.
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Prime Minister Shram Yogi Mandhan Yojana 2024 Key Eligibility
Interested candidates who meet all the following qualifications of Prime Minister Shram Yogi Maandhan Yojana will be accepted as beneficiaries of the scheme and will receive benefits:
- Prime Minister Shram Yogi Mandhan Yojana 2024 will benefit workers in unorganized sectors.
- To avail this benefit, the monthly income of the workers must be less than Rs 15,000.
- Workers in the age group of 18 to 40 years can avail the benefit of the scheme.
- Income tax payers or government employees (even if any family member is a government employee) will not benefit from this plan.
- If the eligible person is covered under EPFO, NPS and ESIC, he or she will not receive the benefit of the plan.
Documents required for Prime Minister Shram Yogi Maandhan Yojana
If you want to benefit from the Pradhan Mantri Shram Yogi Maandhan programme, for this you will have to submit the important documents required by the government, which are as follows:
- aadhar card
- Other identity cards such as voter ID, driver’s license and passport, etc.
- bank book
- mobile phone number
- Residence certificate and other address for correspondence
- passport size photo
- Email ID etc.
How to apply for Pradhan Mantri Shram Yogi Maandhan Yojana 2024?
Pradhan Mantri Shram Yogi Mandhan Yojana To avail the benefits, you need to follow the simple steps given below:
- Interested citizens who wish to apply under Shram Yogi Maandhan Yojana 2024 will have to approach the nearest Jan Seva Kendra with all important documents.
- After going to the Public Service Centre, the documents will have to be handed over to the CSC officer and asked to submit your application as per the plan.
- After this, the officer will ask you for important information and the application form will be filled out.
- After filling the application form, you will be given a printout of the application form and you will have to pay some service charges to the officer.
- This will complete the application process under the PM Shram Yogi Mandhan Yojana.
How to self-enroll for Pradhan Mantri Shram Yogi Maandhan Yojana?
- First of all, you should know about Shram Yogi Maandhan Yojana. official website But you will have to visit it.
- After reaching the main page of the website, you will see the “Click here to apply now” link which you will need to click on.
- After clicking, you will get the “Click here to apply now” option on the new page; When you click on this option, the following page will open.
- Now on the new page you will get the option of Self Enrollment, you need to click on this option.
- Now the next page will open where you will have to enter your mobile number and click on the “Continue” button.
- After clicking on the Continue button, you will need to enter your name, email ID and captcha code on the screen and click on the “Generate OTP” option.
- Now you will receive an OTP on your registered mobile number which will need to be verified.
- Once the OTP verification process is completed, the application form will open in which the important details required must be carefully entered.
- After completing the form, you will need to scan and upload the required documents.
- After this, you will need to check your application form again and submit it.
- This will complete the self-registration process and you can then print the application form and keep it in a safe place.
How to register for PM Shram Yogi Maandhan Yojana?
- To log in, first go to the official website of Pradhan Mantri Shram Yogi Maandhan Yojana.
- After going there, you will see the home page of the website, click on the “Login” option provided on it.
- As soon as you click on the login option, a new page will open where you will get two options: Self-enrollment and CSC VLE.
- You need to click on either of these two options as per the requirement.
- After clicking, a new page will open where you need to enter the username, password and captcha code and click on the “Login” option.
How to donate pension in PM Shram Yogi Mandhan Yojana?
- First of all, you will visit the official website of Pradhan Mantri Shram Yogi Maandhan Yojana.
- After visiting it, you will see the home page of the site, click on the “Donate” option located here.
- After clicking on the donate option, a new page will open, on this page you will click on the option of “Self Login or CSC VLE”.
- After clicking, you need to log in and click on the Donate Pension option.
- As soon as you click on this option, you will be redirected to a new page.
- On this new page you have to make the payment by entering your payment information.
- In this way, the pension donation process will be successfully completed.
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