PM Kisan Maan Dhan Yojana — ₹3,000 Monthly Pension for Farmers

What is PM Kisan Maan Dhan Yojana?

PM Kisan Maan Dhan Yojana (PM-KMY) is a central government pension scheme for small and marginal farmers across India. The scheme was launched in September 2019 by the Ministry of Agriculture and Farmers Welfare.

Under this scheme, eligible farmers contribute a small amount every month from their working years. When the farmer turns 60 years old, they receive a guaranteed pension of ₹3,000 per month — that is ₹36,000 per year — for the rest of their life.

The pension fund is managed by the Life Insurance Corporation of India (LIC).

The scheme runs on a simple principle: you contribute a small amount, and the Government of India contributes an equal matching amount every month into your pension account. At age 60, you start receiving the pension.

If the farmer dies after turning 60, their spouse receives 50% of the pension (₹1,500/month) as a family pension, as long as the spouse was not independently receiving the same pension.

Key Benefits

Important: The ₹3,000/month figure is the amount as per the scheme notification. Verify the current amount at maandhan.in before applying, as it may have been revised.

Who is Eligible?

You ARE eligible if:

• You are a small or marginal farmer — meaning you hold cultivable land of up to 2 hectares (roughly 5 acres or about 20 bigha in most states)
• Your age is between 18 and 40 years at the time of enrollment
• You have a savings bank account or Jan Dhan account
• You have an Aadhaar card

You are NOT eligible if:

• Your cultivable land is more than 2 hectares
• You are already covered under any of these schemes:
  • Employees' Provident Fund (EPFO)
  • National Pension System (NPS) — as a central/state government employee
  • Employees' State Insurance Corporation (ESIC)
• You are a state or central government employee
• You are an income tax payer
• You are already drawing a pension of ₹10,000 or more per month from any other government scheme
• You have already turned 40 — enrollment is not allowed above 40 years

Note on PM-KISAN: If you are a PM-KISAN beneficiary (receive ₹6,000/year), you can still enroll in PM-KMY. In fact, you can choose to have your monthly PM-KMY contribution automatically deducted from your PM-KISAN installment, so you do not need to pay cash separately.

Documents Required

Carry these when you visit the CSC for registration:

1. Aadhaar Card — mandatory for identity verification (biometric or OTP-based)
2. Bank passbook — showing account number and IFSC code (Jan Dhan or savings account accepted)
3. Land records — Khasra/Khatauni or Jamabandi or Patta showing your land holding (must show ≤ 2 hectares in your name)
4. Mobile number — linked to Aadhaar (needed for OTP during registration)

No income certificate is required. No domicile certificate is required. The land record is the key document.

Monthly Contribution — How Much Will You Pay?

Your monthly contribution depends on your age when you enroll. Younger you join, smaller the amount. The government pays an equal matching contribution for every rupee you contribute.

A farmer enrolling at age 18 pays just ₹55/month. A farmer enrolling at age 40 pays ₹200/month. In both cases, the government matches the amount and both receive the same ₹3,000/month pension at 60.

Verify the current contribution table at maandhan.in as figures may have been updated.

How to Apply — Step by Step

Registration is done only at a Common Service Centre (CSC) — you cannot register online on your own. There is no application fee.

Step 1 — Find your nearest CSC

• Ask at your Gram Panchayat office — most panchayats have a CSC nearby
• Search at locator.csccloud.in or call 1800-121-3468 (CSC helpline, toll-free)
• Many Jan Seva Kendras and village-level service centres also operate as CSCs

Step 2 — Carry your documents

Bring Aadhaar card, bank passbook, land records, and your mobile phone (for OTP).

Step 3 — Enrollment at CSC

The CSC operator (called VLE — Village Level Entrepreneur) will:

1. Open the PM-KMY enrollment page on the maandhan.in portal
2. Enter your Aadhaar number
3. Verify your identity — either through fingerprint scan or OTP sent to your Aadhaar-linked mobile
4. Fill in your details: name, date of birth, bank account, land holding details
5. Collect your first month's contribution in cash

Step 4 — Set up future payments

After the first cash payment at CSC, future monthly contributions can be:

• Auto-debit from your bank account — give standing instruction to your bank
• Deducted from PM-KISAN installment — if you are a PM-KISAN beneficiary, the contribution is deducted before the PM-KISAN amount is credited to your account

Step 5 — Receive your Kisan Card

After successful enrollment, you will receive a Kisan Pension Card with your unique pension account number. Keep this card safely — you will need it to check your status and at the time of claiming pension at age 60.

How to Check Application / Payment Status

Option 1 — Via maandhan.in portal

1. Go to maandhan.in
2. Click on Login and enter your mobile number or Aadhaar number
3. View your enrollment status, contribution history, and pension account details

Option 2 — At CSC

Visit the same CSC where you enrolled. The VLE can check your contribution status and pension account details using your Aadhaar or Kisan Card number.

Option 3 — Call helpline

• PM-KMY helpline: 1800-267-6888 (toll-free)
• Mention your enrollment number or Aadhaar number when calling

Checking pension payment after age 60

Once you turn 60 and the pension starts, the ₹3,000 is credited directly to your bank account (DBT — Direct Benefit Transfer) every month. Check your bank passbook or mobile banking app to confirm each credit.

Frequently Asked Questions

What happens if I miss paying my monthly contribution? Your account becomes inactive if you miss contributions. You can revive it by paying the overdue amount along with a small penalty interest. Revival is done at the CSC. If contributions are not paid for a very long time and the account is not revived, you may lose benefits — check terms at maandhan.in.

I am 42 years old. Can I still join PM Kisan Maan Dhan Yojana? No. Enrollment is only allowed for farmers aged 18 to 40 years. If you are above 40, you cannot enroll under this scheme.

I have 3 acres of land. Am I eligible? 3 acres is approximately 1.2 hectares, which is below the 2-hectare limit. You would be eligible as long as you meet all other conditions. However, if your total cultivable land (including land held by family members in your name) exceeds 2 hectares, you would not be eligible.

Can husband and wife both enroll separately? Yes. If both the husband and wife individually hold cultivable land of up to 2 hectares, both can enroll separately and each will receive their own ₹3,000/month pension at age 60.

What happens to my contributions if I die before turning 60? If the enrolled farmer dies before turning 60, the spouse can continue contributing and receive the pension at age 60. If the spouse also does not wish to continue, the entire contribution made by the farmer (with interest at the savings bank rate) is returned.

Can I withdraw from the scheme if I change my mind? Yes, you can exit the scheme:

• Exit before 10 years: Your contribution is returned with savings bank interest rate
• Exit after 10 years but before age 60: Your contribution is returned with interest as earned by the pension fund (usually higher)
• If you become ineligible (e.g., income tax payer, land increases above 2 hectares): Inform CSC and exit with your contribution refunded

Is PM Kisan Maan Dhan Yojana the same as PM-KISAN? No, these are two different schemes. PM-KISAN gives ₹6,000/year income support to farmers (in three installments of ₹2,000). PM Kisan Maan Dhan Yojana is a pension scheme — you contribute monthly and receive ₹3,000/month pension after age 60. A farmer can receive benefits from both schemes simultaneously.

Is the ₹3,000 pension for life or for a fixed number of years? The ₹3,000/month pension is for life — you receive it every month from age 60 until death. After the farmer's death, the spouse receives ₹1,500/month as family pension for their lifetime.

Official Links

• Enrollment and portal: maandhan.in
• CSC locator: locator.csccloud.in
• PM-KMY helpline: 1800-267-6888 (toll-free)
• Ministry of Agriculture: agricoop.gov.in
• National Scheme Portal: myscheme.gov.in

Note: Always verify the current pension amount, contribution table, and eligibility rules directly at maandhan.in before visiting the CSC, as scheme parameters may be revised by the government.