e-Shram Calculator — Benefits for Unorganised Workers
Calculate your e-Shram card entitlements: ₹2L accident cover for ₹20/year (PMSBY), ₹2L life insurance for ₹436/year (PMJJBY), and ₹3,000/month pension from age 60 under PM-SYM with government matching contribution. Find out the total lifetime value of all benefits for your age and income. Free instant results. Updated for FY 2025-26.
How to Use This Calculator
My Benefits tab
Enter your age, select your occupation, and enter your monthly income. The calculator shows every scheme you are entitled to under e-Shram — PMSBY accident cover, PMJJBY life cover, PM-SYM pension eligibility, Ayushman Bharat health cover, and sector-specific benefits (BOCW for construction workers, PM-Kisan for farmers). You see the exact cover amount and annual premium for each scheme.
Total Lifetime Value tab
Enter your age and assumed life expectancy. The calculator computes the total value of all e-Shram benefits over your remaining working life — total insurance cover, total pension from age 60, total premium outflow, and the net return multiple. This answers: "Is it worth it?" (Spoiler: always yes.)
PM-SYM Pension tab
Enter your age to see your exact monthly contribution to PM-SYM, the government's matching contribution, the contribution table for all ages, total pension from age 60, and what your spouse receives if you die. Also shows what happens to your money if you exit early or die before age 60.
Share your result
Every input is encoded in the URL. Click Share to send your benefit calculation to a family member or coworker, or save it for reference when registering at a CSC.
e-Shram at a Glance — FY 2025-26
How the Benefits Work
Visit eshram.gov.in or nearest CSC with Aadhaar + bank account
OTP on Aadhaar-linked mobile → receive 12-digit UAN instantly
Cost: ₹0 (completely free)
Step 2: Enrol in PMSBY (Accident Insurance)
Give auto-debit consent at bank for PMSBY
Premium: ₹20/year deducted on 1 June
Cover: ₹2L accidental death / total disability, ₹1L partial disability
Step 3: Enrol in PMJJBY (Life Insurance)
Give auto-debit consent at bank for PMJJBY
Premium: ₹436/year deducted on 1 June
Cover: ₹2L on death from any cause
Step 4: Enrol in PM-SYM Pension (if 18–40 & income ≤₹15,000/mo)
Register at maandhan.in or CSC
Monthly contribution varies by entry age (₹55 to ₹200/month)
Government matches your contribution equally
Pension: ₹3,000/month from age 60, for life
PM-SYM contribution formula:
Monthly Outflow = Subscriber Contribution (age-based) + Govt Match (equal)
Pension at 60 = ₹3,000/month guaranteed (LIC-managed annuity fund)
Spouse Pension = ₹1,500/month (50%) on subscriber's death after 60
Example: Ramesh, 35-year-old Construction Worker
Ramesh is 35 years old, works in construction in Pune, earns ₹12,000/month. He just registered on e-Shram.
Benefits he is entitled to
Total lifetime value (age 35, life expectancy 75)
Ramesh pays ₹456/year and ₹150/month for PM-SYM. He gets ₹4L insurance cover active every year, and ₹3,000/month pension for life from age 60. The government puts in ₹150/month alongside him — making it India's best return on any financial product.
e-Shram Benefit Schemes in Detail
▶ PMSBY — Pradhan Mantri Suraksha Bima Yojana (Accident Insurance)
What it is: Accident insurance providing ₹2 lakh cover for accidental death or total permanent disability, and ₹1 lakh for partial permanent disability.
- Premium: ₹20/year (increased from ₹12, w.e.f. 1 June 2022)
- Eligibility: Bank account holders aged 18–70
- Cover: ₹2,00,000 for accidental death or total permanent disability; ₹1,00,000 for partial disability
- How to enrol: Give auto-debit consent at your bank branch or net banking. Premium deducted on 1 June each year.
- Claim: Accident claim form + FIR (if applicable) + medical documents submitted to bank
- Cover-to-cost: ₹2L cover for ₹20 = 10,000x your annual premium
- Who should enrol: Every informal worker with a bank account — especially those in high-risk occupations (construction, transport, manufacturing)
▶ PMJJBY — Pradhan Mantri Jeevan Jyoti Bima Yojana (Life Insurance)
What it is: Term life insurance providing ₹2 lakh cover on death from any cause — accident, illness, or natural causes.
- Premium: ₹436/year (increased from ₹330, w.e.f. 1 June 2022)
- Eligibility: Bank account holders aged 18–50 (new enrolment). Coverage continues till 55 if enrolled before 50.
- Cover: ₹2,00,000 on death from any cause
- How to enrol: Auto-debit consent at your bank. Premium deducted on 1 June each year.
- Claim: Death certificate + bank account details of nominee submitted to bank
- Cover-to-cost: ₹2L cover for ₹436 = 459x your annual premium
- Who should enrol: Any informal worker with dependents. Essential for workers aged 18–50 who have a family relying on their income.
▶ PM-SYM — Pradhan Mantri Shram Yogi Maandhan (Pension)
What it is: Voluntary contributory pension scheme for unorganised workers aged 18–40 with income up to ₹15,000/month. Government matches your contribution rupee-for-rupee.
- Pension: ₹3,000/month from age 60 — guaranteed for life
- Managed by: Life Insurance Corporation of India (LIC)
- Eligibility: Age 18–40, monthly income ≤₹15,000, not in EPFO/ESIC/NPS
- Contribution table: Age 18: ₹55/mo | Age 20: ₹61/mo | Age 25: ₹80/mo | Age 28: ₹95/mo | Age 30: ₹105/mo | Age 32: ₹120/mo | Age 35: ₹150/mo | Age 38: ₹180/mo | Age 40: ₹200/mo
- Government contribution: Exactly matches subscriber contribution (1:1 matching)
- Spouse benefit: ₹1,500/month (50%) on subscriber's death after age 60
- Death before 60: Spouse can continue scheme, or subscriber's contribution + interest is returned
- Exit before 60: After 10+ years, subscriber gets contribution back with interest + proportionate govt share
- How to enrol: maandhan.in, nearest CSC, or EPFO/ESIC facilitation centre. Need Aadhaar + bank account + mobile.
- Deadline: New enrolment only up to age 40 — do not delay
FAQ
PMJJBY (life insurance): ₹436/year for ₹2 lakh cover. Premium was revised from ₹330 to ₹436 with effect from 1 June 2022.
Combined (both schemes): ₹456/year for ₹4 lakh total cover (accident + life).
Premiums are auto-debited from your linked bank account on 1 June each year. If your account has insufficient balance on 1 June, the policy lapses for that year. You can re-enrol after paying the arrears.
Age 18: ₹55/month (you) + ₹55 (govt) = ₹110 total
Age 25: ₹80/month + ₹80 (govt) = ₹160 total
Age 30: ₹105/month + ₹105 (govt) = ₹210 total
Age 35: ₹150/month + ₹150 (govt) = ₹300 total
Age 40: ₹200/month + ₹200 (govt) = ₹400 total
Regardless of when you join (18 or 40), you get ₹3,000/month pension from age 60. New enrolment is only allowed up to age 40 — do not delay. Join at maandhan.in or the nearest CSC.
Option 1 — Spouse continues: Your spouse can take over and continue contributing the same monthly amount until age 60. The spouse then receives ₹3,000/month pension for life.
Option 2 — Exit the scheme: Your subscriber contribution plus interest (at the savings bank rate) is returned to the nominee. Before 10 years: only subscriber contribution + interest returned. After 10 years (but before 60): subscriber contribution + interest + proportionate government contribution returned.
If you have no spouse or nominee, the accumulated fund is credited to the Shram Yogi Maandhan Fund.