SagarXtool: PM-SYM Pension Calculator

Subscriber Entry Age (18 to 40 Years) Eligible: Unorganized Worker (≤ ₹15,000/mo)

18 Yrs (Min) 25 Yrs 32 Yrs 40 Yrs (Max)

₹80

Your Share (Per Month)

₹80

Central Govt Share (100% Match)

35 Yrs

420 Total Months

₹33,600

Total Subscriber Investment

₹67,200

Total Combined Corpus Created

₹3,000

Assured Pension at Age 60 (Monthly)

11.2 Months

Break-even Period (Entire Investment Recovered in Post-60 Pension)

SUBSCRIBER: 50%

GOVERNMENT: 50%

Your Share: ₹80/mo Central Govt Match: ₹80/mo

How to Use This Tool

Follow these 4 simple steps to calculate your PM-SYM pension matrix and export the official schedule.

Select Entry Age

Select your entry age between 18 and 40 years using the slider or input field.

Review Contributions

Review your mandatory monthly contribution and the matching 50% government deposit.

Assess Returns

Check the total contribution tenure, break-even timeline, and projected pension return.

Download or Copy

Download or copy your customized PM-SYM pension summary for CSC or Jan-Dhan registration.

Frequently Asked Questions

Essential regulatory and operational details concerning Pradhan Mantri Shram Yogi Maan-dhan.

Who is eligible to enroll in the PM-SYM pension scheme?

Unorganized sector workers aged between 18 and 40 years with a monthly income of ₹15,000 or less are eligible. Applicants must not be members of EPFO, ESIC, or NPS, and must not be income tax payees.

What is the monthly pension amount after reaching 60 years?

Once the subscriber attains 60 years of age, a minimum guaranteed monthly pension of ₹3,000 is directly credited into their linked savings or Jan-Dhan bank account every month for life.

What happens if the subscriber passes away during the pension phase?

If the subscriber passes away after age 60, their legal spouse is entitled to receive 50% of the pension amount, which equals ₹1,500 per month as a family pension for the remainder of their life.

How is the monthly contribution deposited into the PM-SYM account?

The monthly contribution is auto-debited automatically from the subscriber's savings bank account or Jan-Dhan account on a fixed date each month until they reach the age of 60.

Can a subscriber exit the scheme prematurely before reaching 60 years?

Yes, if a subscriber exits within 10 years, only their share of contribution is refunded with savings bank interest rate. After 10 years, they receive accumulated interest earned by the fund or savings bank rate, whichever is higher.