Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) hi sawrkar laipui pension scheme pawimawh tak a ni a, Ministry of Labour & Employment hmalakna niin Life Insurance Corporation of India leh CSC e-Governance Services India Limited (CSC SPV) nena tangkawpin an kalpui a. February Ni 15, 2019 atang khan kalpui tan niin vawiin hian Prime Minister in a hawng a ni. He pension scheme hian unorganised sector huamchhunga hnathawk zawng zawng (kuthnathawk hrang hrang leh nitin mahnia inhlawhchawp te – street vendors, construction workers, handloom workers, taxi drivers, etc) thla khata cheng 15,000 aia tam lo hlawh tana ruahman a ni a. India ramah hian unorganised sector hnuaiah mihring maktaduai 42 vel awm anga chhut a ni.
INTRODUCTION:
Sorkar laipui chuan unorganised
workers te tan pension scheme Pradhan
Mantiri Shram Yogi Maan-dhan (PM-
SYM) a siam a, he pension scheme
hi unorganised workers-te upat hun a
hamthatna tur a tiha ni.
He Pension Scheme in a huam chin
te chu - Hnathawktu mahni kut ke
a eizawng, tam zawk chu in lama
eizawnna kalpui, kawngpuia thil zuar,
chaw chum, mutia (head loader, leirawh
chan siama eizawng, pheikhawk chhe
siam, bawlhhlawh paihna a thil char,
awmpui (domestic workers), puan su
a inhlawh, rickshaw khalh, ram lama
hnathawka inhlawh, own account
worker, lo leh huan siama ei zawng,
in sak leh a khaihhnawih a ecizawng,
meizial ziala inhlawh, puantah a
inhlawh, savun siamna_ kaihhnawiha
eizawng, audio-visual lam hawia ecizawngte
leh a anpui dangte thla khata an hlawh
Rs. 15,000/-(singkhat leh sanga) aia
tam lo leh kum 18-40 inkarte tana
he Scheme hi siam a ni. Amaherawh
chu National Pension Scheme (NPS),
Employees State Insurance Corporation
(ESIC), Employees’ Provident Fund
Organization (EPFO) leh Income Tax
pette chu a huam lo ang.
He scheme hi unorganised workers-ten
anmahni duhthua an zawm (join) tur a
ni a. A zawmtute (Subscribers) hian
kum 60 an tlin atangin, a tlem berah
pension thla tin Rs 3,000/-(Cheng
Sangthum) an la thei dawn a ni.
He pension scheme (PM-SYM) hnuaiah
hian a sumlu chanve (50%) hi scheme
zawmtu (subscriber)-in a tum ang
a, a chanve dang (50%) chu Central
sawrkarin a tum dawn a ni.
He scheme hi central sawrkar hnuaia
Ministry of Labour and Employment-
in a enkawl a ni a; Life Insurance
Corporation of India (LIC) hi pension
fund manager min, he scheme hi LIC
kaltlanga kalpui a ni.
PM-SYM nih phung/ nih dan (features) :
Voluntary (mahni duhthlanna) Ieh
contributory (intum semna) pension
scheme a ni a, he Scheme zawmtu
subscriber chuan a hnuaia hamthatna te
hi a dawng thei ang:
(@) Minimum Assured Pension: PM-
SYM leh NPS Traders hnuaia
subscriber tin te chuan, kum 60
an tlin hnuah, thla tin minimum
assured pension Rs. 3,000/-
(Cheng sangthum) an dawng ang.
(ii) ~Chhungkaw Pension: Subscriber
a boral in a nupui/pasal chuan a
pension a 50% chu chhungkaw
pension in a dawng thei ang.
Chhungkaw pension hi nupui/
pasal tan chauh a theih a ni.
(iii) Beneficiary pakhatin regular
contribution a pek a, eng thil
vang pawha kum 60 a tlin hmaa a
boral chuan a nupui/pasal chuan a
hnuah regular contribution a pek
chhunzawm thei ang.
Subscriber-in a sum a thawh (contribute)
dan tur:
Subscriber te Bank Account/ Jan- Dhan
account atangin a pawisa thawhtur hi ‘auto-
debit’ (a mah ain cut) a thun ni ang. Subscriber
chu PM-SYM Ieh NPS a zawm (joint) atanga
kum 60 a tlin thlengin pawisa thawh tura siam
remsa hi a thawh thin tur a ni. A hnuaiah hian
an zawm atanga an kum in milin thla tina an
thawh tur chu tarlan a ni.
Entry Age | Superannuation Age | Member’s Monthly Contribution | Central Govt’s monthly contribution | Total monthly contribution (Rs.) |
(1) | (2) | (3) | (4) | (5)=(3)+(4) |
18 | 60 | 55 | 55 | 110 |
19 | 60 | 58 | 58 | 116 |
20 | 60 | 61 | 61 | 122 |
21 | 60 | 64 | 64 | 128 |
22 | 60 | 68 | 68 | 136 |
23 | 60 | 72 | 72 | 144 |
24 | 60 | 76 | 76 | 152 |
25 | 60 | 80 | 80 | 160 |
26 | 60 | 85 | 85 | 170 |
27 | 60 | 90 | 90 | 180 |
28 | 60 | 95 | 95 | 190 |
29 | 60 | 100 | 100 | 200 |
30 | 60 | 105 | 105 | 210 |
31 | 60 | 110 | 110 | 220 |
32 | 60 | 120 | 120 | 240 |
33 | 60 | 130 | 130 | 260 |
34 | 60 | 140 | 140 | 280 |
35 | 60 | 150 | 150 | 300 |
36 | 60 | 160 | 160 | 320 |
37 | 60 | 170 | 170 | 340 |
38 | 60 | 180 | 180 | 360 |
39 | 60 | 190 | 190 | 380 |
40 | 60 | 200 | 200 | 400 |
Sawrkar laipuiin a lo tum sem ve dan tur :
PM-SYM/NPS te hi mahni duh thu
a sawrkar nen a 50:50 (zat leh zat) a
intum sem tur a ni a. Kum bithliah a
pawisa thawh tura a tuk zat chu scheme
zawmtu hian thla tin a thawh ang a,
chumi a thawh ang zat chiah chu sorkar
laipui hian a lo chhung lut ve zel bawk
ang. Entirnan mi pakhat in kum 29 a nih
in he Scheme hilo zawm ta sela, kum 60
a nih thleng thla tin cheng 100 a thawh
ang a, Sawrkar laipui pawhin cheng 100
tho hi thla tin a lo thawh ve ang.
PM-SYM inziahluh dan:
He Scheme a inziak turte chuan Mobile
Phone, Bank Account leh Aadhar
Number te an neih a ngai a. Hetiang neite
chuan Common Service Center (CSC
e-Governance Services India Limited
(CSC SPV) hnai berah kalin PM-SYM/
NPS Traders ah hian self — certification
basis in an inziak lut thei ang.
In ziaklut turte tan hian PM-SYM web
portal kaltlang emaw Mobile Phone
application kal tlangin emaw self -
certification basis a Aadhar number/
Bank account/JJIan Dhan Account
number hmanga mahni a in ziah Iuh
theih turin buatsaih thuai a ni ang.
In ziahluh theihna te :
Common Services Centre (CSC)
zawng zawngah in ziahluh theih a ni
a. Unorganised Worker te chuan CSC
hnai berah Aadhar Card & Saving Bank
Account/Jan Dhan Account te kengin
an inziak lut thei ang. A vawikhatna/
thla khatna atana an sum thawh tur hi
a pawisa faiin an pe ang a, CSC hian
receipt an lo pe ang.
Scheme tihtawp leh pawisa laklet :-
1. Subscriber (scheme zawmtu) chuan
kum 10 aral hmaa scheme a tihtawp
duh chuan, a sum lo pek tawh zawng
zawng chu pek let a ni ang a, bank a
a pung awm ne pek a ni ang.
2. Kum 10 dah tling tawh a, super
annuation pension (kum 60 a tlin)
hma a scheme a tihtawp chuan, a sum
lo pek tawh zawng zawng chu pek let
ami ang a, accumulated interest emaw
saving bank interest rate emaw a tam
zawk zawk pek a ni ang.
3. Subscriber in a hunbi ah sum a pek
luh zat zat a, engemaw avanga a lo
boral in, a nupui/pasal chuan a duh
chuan a huna pawisa pein he scheme
hi a chhunzawm thei ang a. A duh
chuan titawpin a sum lo pek tawh
zawng zawng chu pek let a ni ang a,
accumulated interest emaw saving
bank interest rate emaw a tam zawk
zawk pek a ni ang.
4. Subscriber in a hunbi a sum a pek
luh zat zat a, engemaw vanga
ramtuileiloa a lo awma, scheme
a chhunzawm theih loh chuan, a
nupui/pasal chuan a duh chuan a
huna pawisa pe in he scheme hi
chhumzawm thei ang a. A duh chuan
scheme titawp in, a sum lo pek tawh
zawng zawng chu pek let a ni ang a,
accumulated interest emaw savings
bank interest rate emaw a tam zawk
zawk pek a ni ang.
18002676888 (Customer Care) ah biak theih niin ShramYogi@nic.in ah hriatchian theih a ni a. Ministry of Labour & Employment website- https://labour.gov.in/ ah kimchang takin tarlan a ni bawk.
He Scheme ti tur hian eShram a tih hmasak a ngai.