Mandhan Yojana Online Registration and Login 2026: How to Use maandhan.in for Card Download, Status Check and Account Statement

Most people join a Maandhan pension scheme at a CSC counter or at a village camp. The operator takes the thumbprint, collects ₹55 or ₹100 in cash, hands over a printed card, and that’s it. A year later the card is lost, the SMS has stopped coming, and nobody knows whether the monthly money is still being cut.

This guide is for that moment. It does not repeat the “₹3,000 for every e-Shram card” story. We have covered that separately in our e-Shram ₹3,000 scheme guide. Here we cover the practical side of the maandhan.in portal: how to log in, how to register yourself or at a CSC, how to get your card again, how to read your account statement, the full contribution chart for ages 18 to 40, the farmers’ version (PM-KMY), and how workers in Uttar Pradesh are enrolling.

Written by: Prabhash, content creator and web developer, sahiyojana.com
Last updated: 3 November 2026
Checked against: PIB release of 3 August 2026 (Lok Sabha reply on PM-SYM, data as on 29 July 2026), the PM-SYM contribution chart published by Barpeta district administration (Assam), PIB document on PM Kisan Maandhan, the e-Shram portal’s scheme page, PIB release of April 2023 on NPS-Traders, Shankar IAS report on 7 years of PM-KMY (September 2026), Amar Ujala (14 August 2026) and Free Press Journal (12 April 2026) reports from Uttar Pradesh, and the maandhan.in portal

Maandhan Yojana at a Glance

Mandhan Yojana Kya Hai? One Portal, Three Pension Schemes

“Maandhan” is not one scheme. It is the name used for three central government pension schemes that work the same way. You pay a small fixed amount every month until 60. The government puts in the same amount. From 60, you get ₹3,000 a month for life, and your spouse gets ₹1,500 a month after your death.

All three are managed on the same portal, maandhan.in.

Common rules for all three: age 18 to 40, you must not be an income tax payer, and you must not already be in EPFO, ESIC, NPS or another Maandhan scheme.

Is NPS for Traders Still Running or Merged?

We checked this carefully, because many websites say different things.

• It is still running as a separate scheme. The maandhan.in home page still lists the “National Pension Scheme for Traders” next to PM-SYM.
• Labour departments are still enrolling traders. A registration camp for PM-SYM and NPS-Traders was held in Andaman from 22 to 26 February 2026. In Kushinagar (UP), officials were told in August 2026 to register more people under the PM Laghu Vyapari Maandhan scheme.
• A merger was only proposed. In February 2025, news reports said PM-SYM and NPS-Traders “could be merged” under a new Universal Pension Scheme. As of September 2026, that Universal Pension Scheme was still reported as a concept note awaiting approval.
• Very few traders have joined. The last official figure we found is 52,211 registrations (as on 12 February 2023).

So as of 3 November 2026, NPS-Traders has not been merged or closed. If a merger happens later, existing members should be moved over, but wait for an official notice.

%%{init: {"themeVariables": {"xyChart": {"plotColorPalette": "#43a047"}}}}%%
xychart-beta
    title "Members in each Maandhan scheme (lakh)"
    x-axis ["PM-SYM Jul 2026", "PM-KMY Feb 2026", "NPS-Traders Feb 2023"]
    y-axis "Members in lakh" 0 --> 60
    bar [54, 24.96, 0.52]

The three figures are from different dates, because these are the latest official numbers we could find for each scheme.

Which Maandhan Scheme Should You Join?

You can be in only one of these schemes. Use this to pick the right one.

flowchart TD
    A["Is your age between 18 and 40?"] -->|No| X["You cannot join any Maandhan scheme"]
    A -->|Yes| B["Do you pay income tax or have EPF, ESIC or NPS?"]
    B -->|Yes| X
    B -->|No| C["Are you a farmer with up to 2 hectares in your name?"]
    C -->|Yes| D["Join PM Kisan Maandhan"]
    C -->|No| E["Do you run a shop or trade with turnover up to 1.5 crore?"]
    E -->|Yes| F["Join NPS-Traders"]
    E -->|No| G["Is your income up to 15000 a month?"]
    G -->|Yes| H["Join PM Shram Yogi Maandhan"]
    G -->|No| X
    classDef ask fill:#fff9c4,stroke:#f9a825,color:#4e342e
    classDef ok fill:#c8e6c9,stroke:#2e7d32,color:#1b5e20
    classDef stop fill:#ffe082,stroke:#f57f17,color:#4e342e
    class A,B,C,E,G ask
    class D,F,H ok
    class X stop

Mandhan Yojana Chart: Full Contribution for Every Age (18 to 40)

This is the official age-wise chart. Your monthly amount is fixed on the day you join and does not go up later. The chart below is for PM-SYM. PM-KMY and NPS-Traders use the same ₹55 to ₹200 range, and the amounts we could check for PM-KMY (ages 18, 25, 30, 35 and 40) are the same.

We added the last column ourselves, so you can see what you pay in a full year.

Tip: The jump after 31 is bigger (₹10 a year of age instead of ₹3 to ₹5). If you are 30 or 31 and planning to join, joining now keeps your amount lower for the rest of the scheme.

Self-Enrolment vs CSC Enrolment: Which Is Better for You?

If an operator asks for money “for the card” or “for registration”, remember that only your first monthly contribution should be collected.

Mandhan Yojana Online Registration (Self-Enrolment), Step by Step

1. Open the Maandhan portal. To open it directly, Click Here.
2. Click Click Here to Apply Now. You will see two options: Self Enrollment and CSC VLE. Choose Self Enrollment.
3. Enter your mobile number, then the OTP you receive.
4. On your dashboard, click Enrollment and select the scheme: PM Shram Yogi Maandhan, PM Kisan Maandhan or the Traders scheme.
5. Fill in your Aadhaar number, name, date of birth, gender, email (optional) and address (state, district, sub-district, village).
6. Enter your bank account number and IFSC, your nominee, and your spouse’s name.
7. The portal shows your monthly amount based on your age. Check it against the chart above.
8. Give consent for auto-debit, pay the first contribution online and submit.
9. Note down your 12-digit pension account number and download your card.

The menu names on the portal can change a little. If a step does not work, finish the enrolment at a CSC.

Mandhan Yojana Online Registration at a CSC (Including UP Jan Seva Kendras)

1. Find your nearest CSC. To search, Click Here.
2. Carry your Aadhaar card, bank passbook (savings or Jan Dhan account with IFSC) and the mobile phone linked to it. Farmers should also carry their PM Kisan details.
3. The operator logs in through the CSC VLE option and verifies your Aadhaar with your fingerprint.
4. The operator fills the form. Check your name, date of birth and bank number on the screen before submitting.
5. Pay the first month’s contribution in cash.
6. Sign the enrolment-cum-auto-debit mandate. Later payments will be cut from your bank account.
7. Collect your printed pension card with your account number.

maandhan.in Login: How to Get Into Your Account

1. Open the login page. To open it directly, Click Here.
2. Choose Self Enrollment as the login type.
3. Enter the mobile number you used when joining, then the OTP.
4. Your dashboard opens. It shows your pension account number and whether your account is Active or Dormant.

Note: If you joined at a CSC with a different mobile number, the OTP goes to that number. Visit a CSC to update your mobile number first.

Mandhan Yojana Status Check

There are three kinds of “status”, and people often mix them up.

The portal also has Voluntary Exit and Claim Status options. The Labour Ministry listed both as new features in its August 2026 reply to Parliament.

Mandhan Yojana Account Statement: How to See Every Payment

1. Log in at maandhan.in (steps above).
2. Click the Account Statement tab.
3. Enter your 12-digit pension account number, name and gender, and choose the authentication type (usually OTP).
4. Tick the consent box and click Proceed.
5. The statement lists each month’s payment: your share and the government’s matching share.

What to look for: Check that every month has two equal entries. If a month shows nothing, the auto-debit failed (usually because of low balance). Too many missed months make the account dormant.

Maandhan Card Download (Shram Yogi or Kisan Pension Card)

1. Log in at maandhan.in.
2. Open the Print Card or Reprint Card option.
3. Enter your 12-digit pension account number. If you don’t have it, search using your Aadhaar number.
4. Check your details and give consent.
5. Download or print the card.

One guide reports a fee of ₹20 for reprinting the card through this option. Check what the screen shows before you pay. A CSC can also print the card for you.

PM Kisan Maandhan Yojana: The Farmers’ Version

PM-KMY works like PM-SYM, but it is run by the Agriculture Ministry, with LIC as the partner. It was launched on 12 September 2019 and completed seven years in September 2026.

The useful part for farmers: On the PM-KMY form, you can choose to have your contribution auto-deducted from the bank account where your PM Kisan money comes. So you don’t need to remember to pay. Keep your PM Kisan e-KYC up to date so that money keeps coming. Our PM Kisan e-KYC guide explains how.

Farmers can enrol at a CSC, through self-enrolment on the portal, or through the state’s PM Kisan nodal officer. As of 6 February 2026, Haryana had the most members (about 5.75 lakh), followed by Bihar (3.46 lakh+), and Jharkhand and Uttar Pradesh (each over 2.5 lakh).

Mandhan Yojana UP: How Uttar Pradesh Workers and Farmers Enrol

There is no separate UP portal. UP workers use the same maandhan.in portal or their nearest Jan Seva Kendra. What is different in UP is the push from district officials:

• Who can join in UP: In a Kushinagar meeting on 13 August 2026, officials said that outsourced, contract (samvida) and honorarium (manday) workers earning under ₹15,000 a month and not covered by EPF or ESI can also join PM-SYM.
• Special drive: UP ran a PM-SYM special drive from 15 January to 15 March 2026.
• Farmers: Over 2.5 lakh UP farmers were enrolled in PM-KMY as of February 2026.

Tip for UP workers: If you already have an e-Shram card, tell the Jan Seva Kendra operator. The Labour Ministry says e-Shram and Maandhan now share data both ways, which can make your form easier. If you don’t have one yet, see our e-Shram card registration guide.

Common maandhan.in Problems and Fixes

Helpline Numbers

Frequently Asked Questions (FAQ)

Mandhan yojana kya hai?

It is a group of three central pension schemes (PM-SYM for workers, PM-KMY for farmers, NPS-Traders for shopkeepers). You pay ₹55 to ₹200 a month until 60, the government adds the same, and you get ₹3,000 a month after 60.

How do I do mandhan yojana online registration?

Open maandhan.in, click Click Here to Apply Now, choose Self Enrollment, verify your mobile with OTP, select the scheme under Enrollment, fill your Aadhaar, bank and nominee details, and pay the first contribution.

Is mandhan yojana online registration at a CSC free?

Yes. You pay only your first monthly contribution. The Labour Ministry pays the CSC’s service charge.

How do I log in to maandhan.in?

Go to the login page, choose Self Enrollment, enter your registered mobile number and the OTP. Your dashboard shows your pension account number and account status.

How can I do a mandhan yojana status check?

After login, see the Pending and Complete tabs for your enrolment, and the Active or Dormant label for your account. Your bank SMS confirms each monthly deduction.

How do I download my Maandhan card?

Log in, open Print Card or Reprint Card, enter your 12-digit pension account number (or search by Aadhaar), and download it. A CSC can also print it.

How do I get my mandhan yojana account statement?

Log in, open the Account Statement tab, enter your pension account number, name, gender and OTP, and click Proceed. It shows your share and the government’s share for each month.

How much do I pay at my age?

Check the chart above. For example, ₹55 at 18, ₹80 at 25, ₹105 at 30, ₹150 at 35 and ₹200 at 40. The amount stays the same until you turn 60.

Is NPS for Traders closed or merged with PM-SYM?

No. As of November 2026 it is still a separate scheme on maandhan.in. A merger under a Universal Pension Scheme was proposed in 2025, but it has not been approved.

Can farmers pay PM Kisan Maandhan from their PM Kisan money?

Yes. The PM-KMY form has an option to auto-deduct the contribution from the bank account that receives PM Kisan money.

How do workers in UP apply for Maandhan?

Through the same maandhan.in portal or at any Jan Seva Kendra with Aadhaar, bank passbook and mobile. Outsourced and samvida workers earning under ₹15,000 a month can also join if they are not in EPF or ESI.

What if my monthly payment stopped for many months?

Your account may be dormant. You can revive it within 3 years by paying the missed amount with interest, on the portal or at a CSC.

Sources

• PIB (3 August 2026): Lok Sabha reply by MoS Labour Shobha Karandlaje. More than 54 lakh PM-SYM members as on 29 July 2026, 53.1% women, ₹2,011.01 crore government share, revival period of 3 years, voluntary exit, claim status and account statement features, two-way e-Shram link
• Barpeta district administration, Assam (official PM-SYM page): full age-wise contribution chart for ages 18 to 40
• e-Shram portal (eshram.gov.in): PM-SYM and NPS-Traders eligibility, ₹1.5 crore turnover limit for traders
• PIB (6 April 2023): NPS-Traders registrations of 52,211 as on 12 February 2023
• Pension Policy International (25 February 2025) and Indian Pay Calculator citing Business Standard (September 2026): proposed merger under a Universal Pension Scheme, still a concept note
• The Wave Andaman (19 February 2026): PM-SYM and NPS-Traders camp, 22 to 26 February 2026
• PIB document on PM-KMY and Shankar IAS (September 2026): PM-KMY eligibility, exclusions, LIC role, 24,96,252 members as on 6 February 2026, state-wise leaders
• SarkariYojana (updated 20 August 2026): portal menu names, account statement, reprint card, PM Kisan auto-deduction option
• EPFO FAQ on PM-SYM (via TaxGuru): free CSC enrolment, helpline 1800 2676 888
• Amar Ujala (14 August 2026) and Free Press Journal (12 April 2026): UP meeting in Kushinagar, UP district enrolment figures
• Outlook Money (15 September 2026): 3-year revival window

Disclaimer

sahiyojana.com is not a government website and is not linked with the Ministry of Labour and Employment or the Ministry of Agriculture and Farmers Welfare. Portal menus and scheme rules can change, so please confirm the latest details on the official portal maandhan.in or at a CSC. sahiyojana.com is completely free and never asks for any money.

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