NPS Traders Scheme 2026: Apply Online, Benefits, Eligibility, Login & Contribution Chart

The NPS Traders Scheme 2026, also known as the National Pension Scheme for Traders and Self Employed Persons, is a government-backed pension initiative designed to provide financial security to small traders after retirement.

Many traders and self-employed individuals do not have a fixed income after the age of 60. To address this issue, the government introduced this scheme to ensure a monthly pension of ₹3,000 in old age.

This scheme is also popularly known as PM Laghu Vyapari Mandhan Yojana, specially designed for small shopkeepers and business owners in the unorganized sector.

If you are looking for NPS traders apply online process, benefits, eligibility, login details, or contribution chart, this guide explains everything step-by-step in a simple way.

What is NPS Traders Scheme 2026

Particulars	Details
Scheme Name	National Pension Scheme for Traders and Self Employed Persons
Also Known As	PM Laghu Vyapari Mandhan Yojana
Launch Date	12th September 2019
Scheme Type	Pension / Social Security Scheme
Beneficiaries	Small traders & self-employed persons
Entry Age	18 to 40 years
Pension Benefit	₹3,000 per month
Contribution	₹55 to ₹200/month, depending on the age of entry in PM-SYM scheme
Turnover Limit	Up to ₹1.5 crore
Official Website	https://maandhan.in/

NPS Traders Scheme Launch Date

The NPS Traders Scheme was officially launched on 12 September 2019 by the Government of India to support small traders and shopkeepers across the country.

NPS Traders Pension Scheme Benefits

Here are the key benefits of the scheme:

• Guaranteed monthly pension of ₹3,000 after 60 years
• Government provides equal matching contribution
• Easy auto-debit contribution system
• Financial security for small traders under the NPS Traders Pension Scheme
• Family pension benefit: spouse gets 50% pension after death
• Voluntary and contributory scheme

NPS Traders Scheme Eligibility

To apply, you must fulfill the following conditions:

• Must be an Indian citizen
• Must be a self-employed trader or shop owner
• Age between 18 to 40 years
• Annual turnover should not exceed ₹1.5 crore
• Should not be enrolled in:
• Pradhan Mantri Shram Yogi Maandhan Yojana
• Pradhan Mantri Kisan Maandhan Yojana
• Should not be an income tax payer
• Must not be a member of EPFO / ESIC / NPS

Documents Required

• Aadhaar Card
• Savings Bank Account (with IFSC)
• Mobile Number (linked with Aadhaar)
• e-Shram UAN (if available)
• Business details (self-declaration)
• Nominee details

NPS Traders Apply Online 2026 (Step-by-Step)

Follow these steps to apply online:

• Visit the NPS Traders Pension Scheme official website: maandhan.in
• On homepage, scroll over "Services" section and click on "New Enrollment" or directly click https://maandhan.in/maandhan/login
• On the Maandhan Login page, choose Self Enrollment (using Mobile Number OTP)
• Enter mobile number and verify OTP

• Access "Service" section on the dashboard and click on "Enrollment"

• Next 3 scheme names will get displayed. Select "National Scheme For Traders And Self Employed Persons" from list of schemes.
• Confirm e-Shram registration (if applicable)
• Consequently, NPS Traders Scheme apply online form for beneficiary enrollment will open.

• Fill details like eShram UAN Number, Aadhaar, DOB, address details, occupation etc.
• Submit form and download acknowledgment.

You can also apply through CSC centers if needed.

NPS Traders Login Process

To access your account:

• Visit the maandhan portal
• Enter registered mobile number
• Verify OTP
• Access dashboard

NPS Traders Scheme Contribution Chart

The contribution depends on your age at entry. The government contributes an equal amount.

Entry Age	Monthly Contribution (₹)	Government Contribution (₹)	Total
18	55	55	110
19	58	58	116
20	61	61	122
21	64	64	128
22	68	68	136
23	72	72	144
24	76	76	152
25	80	80	160
26	85	85	170
27	90	90	180
28	95	95	190
29	100	100	200
30	105	105	210
31	110	110	220
32	120	120	240
33	130	130	260
34	140	140	280
35	150	150	300
36	160	160	320
37	170	170	340
38	180	180	360
39	190	190	380
40	200	200	400

NPS Traders Scheme PDF Download

To download the official scheme PDF:

• Visit the official website
• Go to scheme section
• View scheme information and download brochure

Pension Benefits

• ₹3,000 monthly pension after 60 years
• Direct bank transfer
• 50% pension to spouse after death
• Lifetime financial support under the NPS Traders Pension Scheme

Important Points

• Scheme is voluntary but long-term
• Contribution must continue till age 60
• Equal contribution by Government of India
• Early enrollment reduces contribution burden

FAQs on NPS Traders Scheme

Q1. What is the NPS Traders Scheme?
It is a government pension scheme that provides ₹3,000 monthly pension to small traders after 60 years.

Q2. What is PM Laghu Vyapari Mandhan Yojana?
It is another name for the NPS Traders Scheme.

Q3. How to apply online for NPS Traders Scheme?
You can apply through maandhan.in using mobile OTP.

Q4. What is the contribution amount?
It ranges from ₹55 to ₹200 depending on age.

Q5. Does the government contribute?
Yes, the government contributes equally.

Q6. What pension will I get?
₹3,000 per month after 60 years.

Q7. What happens after death?
Spouse receives 50% pension.

Conclusion

The NPS Traders Scheme 2026 is a highly beneficial initiative for small traders and self-employed individuals looking for financial security after retirement.

With low monthly contributions, government support, and guaranteed pension, the scheme offers a reliable way to plan for the future. If eligible, enrolling in the NPS Traders Pension Scheme is a smart and secure decision.