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Zorluk: OrtaSocial Sector Initiatives, Welfare Schemes, and Social Security Architecture

Which of the following statements correctly describes the key eligibility criteria and structural framework of the Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) scheme?

  1. It is a voluntary and contributory pension scheme for unorganized workers aged 18 to 40 years with a monthly income of ₹15,000 or less, providing a minimum assured pension of ₹3,000 per month upon reaching 60 years of age.Cevap
  2. B
    It is a fully Central Government-funded non-contributory pension scheme available to all unorganized workers regardless of income level, provided they are between 21 and 55 years of age.
  3. C
    It is a mandatory pension scheme designed exclusively for formal sector employees earning below ₹21,000 per month who are currently active subscribers of the Employees' Provident Fund Organisation (EPFO).
  4. D
    It provides a fixed lump-sum retirement corpus of ₹10 lakh administered directly by the NITI Aayog for agricultural wage laborers upon reaching 50 years of age.

Cevap

The Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) is a voluntary and contributory pension scheme for unorganized workers aged 18 to 40 years with a monthly income of ₹15,000 or less, providing a minimum assured pension of ₹3,000 per month after attaining 60 years of age.
The statement identifying PM-SYM as a voluntary and contributory pension scheme for unorganized workers aged 18 to 40 years earning ₹15,000 or less monthly with a guaranteed ₹3,000 pension at age 60 is correct. It accurately reflects all core parameters established by the Ministry of Labour and Employment.

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1
Identify the target group and income ceiling of PM-SYM
PM-SYM targets unorganized workers (home-based workers, street vendors, midday meal workers, head loaders, rickshaw pullers, landless agricultural laborers, etc.) earning ₹15,000 or less per month.
Establishing target beneficiary parameters filters out formal sector workers and higher-income individuals.
2
Verify entry age limits and contribution structure
The entry age is between 18 and 40 years. Beneficiaries make monthly contributions matching an equal 50% share contributed by the Central Government.
Understanding the contributory mechanism ensures clarity on funding responsibility between subscriber and government.
3
Determine pension benefits and fund management agency
Subscribers receive an assured minimum pension of ₹3,000 per month upon attaining 60 years of age. The fund is managed by LIC and administered by the Ministry of Labour and Employment.
Evaluating payout structures and implementing agencies differentiates PM-SYM from other social security schemes like APY or PM-KMY.

Anahtar Kavram

Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) Scheme Architecture
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Konular

Social Sector Initiatives, Welfare Schemes, and Social Security Architecture