E-Shram Card: If you are a holder of an E-Shram Card, there’s big news for you. The Indian government has launched a new pension scheme in 2025 specifically for unorganized sector workers. Under this initiative, registered workers can receive a monthly pension of up to ₹3,000 after the age of 60.
This scheme is part of the government’s ongoing efforts to bring social security to workers who are not part of formal employment and lack retirement benefits.
What is the E-Shram Card Pension Yojana 2025?
The E-Shram Card Pension Yojana is a government-backed initiative launched under the umbrella of the Pradhan Mantri Shram Yogi Maandhan (PM-SYM). It targets workers from the unorganized sector — like rickshaw pullers, domestic workers, construction laborers, street vendors, farmers, and more — who often have no savings or retirement security.
This pension scheme allows them to contribute a small monthly amount from their earnings, and in return, they receive ₹3,000 monthly pension after retirement.
Who Is Eligible?
Here are the basic eligibility criteria to enroll in the scheme:
Criteria | Requirement |
---|---|
Citizenship | Indian |
Age | Between 18 and 40 years |
Occupation | Worker in the unorganized sector |
Monthly Income | Should be less than ₹15,000 |
E-Shram Card | Mandatory |
EPFO/ESIC Member | Should not be enrolled |
Income Tax Payer | Not eligible if paying income tax |
Key Features of the Pension Scheme
Monthly Pension of ₹3,000 after 60 years of age
Voluntary and contributory scheme – both the worker and government contribute
In case of the worker’s death, the spouse receives 50% pension
Lifetime pension for the registered worker
Fully government-backed and safe investment
Monthly Contribution Table
Here’s how much you need to contribute monthly based on your age:
Entry Age | Monthly Contribution | Govt Contribution |
---|---|---|
18 Years | ₹55/month | ₹55/month |
25 Years | ₹80/month | ₹80/month |
30 Years | ₹100/month | ₹100/month |
35 Years | ₹150/month | ₹150/month |
40 Years | ₹200/month | ₹200/month |
Note: Contribution stops at the age of 60, after which pension begins.
How to Apply for E-Shram Pension Yojana?
Visit your nearest CSC (Common Service Center)
Carry your E-Shram Card, Aadhaar Card, and Bank Passbook
Fill in the required pension form under PM-SYM scheme
Choose auto-debit option for monthly contribution from your bank
You will receive a pension scheme certificate upon registration
Why This Matters?
India has more than 38 crore workers in the unorganized sector. Most of them do not have any form of pension, insurance, or retirement support. The E-Shram Pension Yojana 2025 is a major step towards empowering this workforce and ensuring financial dignity in their old age.
If you’re between 18 and 40 and already have an E-Shram card, this is the right time to enroll and secure your future.