Millions of workers in the unorganized sector in India lack the security of a pension. The e-Shram Pension Scheme has been launched to provide them with a fixed monthly pension in old age and a dignified life.
What is the Scheme?
This scheme is run under the Ministry of Labor and Employment. Eligible workers can receive a monthly pension of ₹3,000 after the age of 60. The money is deposited directly into their bank account, eliminating any middlemen.
Key Benefits
The scheme is co-contributory. The government contributes an equal amount to the monthly contribution you make. This gradually builds a pension fund, and a regular pension begins at age 60.
Who Can Apply?
Applicants must be between 18 and 40 years of age and work in the unorganized sector—such as rickshaw pullers, domestic workers, street vendors, construction workers, tailors, cobblers, and agricultural laborers. Indian citizenship, an e-Shram card, a bank account linked to Aadhaar, and an active mobile number are required.
Required Documents
Have your Aadhaar card, bank passbook/account details, e-Shram card, a recent passport photo, and an active mobile number. These are used for identification, bank mapping, and OTP verification.
How to Register
The process is simple. First, have your e-Shram card details ready. Then, select the pension option and verify via Aadhaar and OTP on your mobile.
Fill in the required information, upload documents, and submit the form. Upon submission, you will receive a registration number—keep it safe.
Contributions and Payments
A monthly contribution is determined based on your age, which can be auto-debited from your bank. The government contributes an equal amount. Upon reaching 60, you begin receiving a monthly pension of ₹3,000.
Why the Scheme May Be Delayed
Payments may be delayed if contributions are not made regularly, there are problems with Aadhaar-bank linking, or there are errors in the records. In such a case, correct the details at the bank, nearest CSC center, or local agriculture/labor office. Payments will return to normal after correction.
Helpful Tips
Always complete e-KYC and maintain sufficient balance in your bank account to prevent auto-debit failures. Check your status regularly. If you’ve changed your mobile number, update the new number in your records. Don’t forget to add a nominee for your family so that they can benefit in case of any unforeseen events.
Conclusion
The e-Shram Pension Scheme is a powerful security for old age for unorganized workers.
A little regular savings today and proper registration can relieve tomorrow’s worries. If you are eligible, secure your future by registering early.
Disclaimer
This information is for general guidance. Please read the official instructions, eligibility, and latest rules before applying, as conditions may change from time to time.
