PM Kisan Maan Dhan Yojana — ₹3,000/Month Pension

What is PM Kisan Maan Dhan Yojana?

PM Kisan Maan Dhan Yojana (PM-KMY) is a government pension scheme for small and marginal farmers, providing a guaranteed pension of ₹3,000 per month after the age of 60. It is a voluntary, contributory scheme where both the farmer and the government contribute equally to the pension corpus.

Key features:

• ₹3,000/month pension after age 60
• Equal contribution by farmer and government (government matches your deposit)
• Monthly contribution: ₹55 to ₹200 depending on your age at enrollment
• Enrollment at CSC (Common Service Centre) or at maandhan.in
• Spouse can also join separately and get another ₹3,000/month

Who is Eligible?

• Small and marginal farmers — those with cultivable land up to 2 hectares
• Age: 18 to 40 years at the time of enrollment
• Must be enrolled in the PM-KISAN scheme (or have land records confirming small/marginal farmer status)

Not eligible:

• Farmers with more than 2 hectares of land
• Income taxpayers
• Government employees
• Those already enrolled in EPFO, NPS, or any other pension scheme

Monthly Contribution

The contribution is based on your age at the time of enrollment:

The government matches every rupee you put in — so your effective return is doubled at the source.

How to Enroll — Step by Step

Via CSC (Common Service Centre)

1. Visit your nearest CSC (Jan Seva Kendra / Common Service Centre)
2. Carry documents (see below)
3. CSC operator will:
   • Register you on the maandhan.in portal
   • Collect your first monthly contribution (cash)
   • Set up auto-debit from your bank account for future months
4. You receive a Kisan Pension Number

Online via maandhan.in

1. Go to maandhan.in
2. Click "Self Enrollment"
3. Enter Aadhaar and mobile OTP
4. Fill in land details, bank account
5. Pay first contribution online
6. Download and keep the Kisan Pension Card

Documents Required

1. Aadhaar card (mandatory)
2. Land records / Khasra-Khatauni showing agricultural land (up to 2 hectares)
3. Bank savings account (linked to Aadhaar for auto-debit and pension credit)
4. Mobile number linked to Aadhaar

Pension After 60

• ₹3,000/month credited to the farmer's Aadhaar-linked bank account on the 1st of every month
• For life — no end date for the pension
• If the farmer dies, the spouse gets 50% of the pension (₹1,500/month) as family pension
• If the farmer exits before 60, the contribution amount with bank savings rate interest is returned

If Farmer Exits Before 60

Frequently Asked Questions

I am in PM-KISAN scheme. Do I automatically get this pension?

No — PM-KISAN (income support ₹6,000/year) and PM-KMY (pension scheme) are separate. You need to enroll separately in PM-KMY.

My land is in my father's name. Can I still enroll?

The eligibility is based on the cultivating farmer — if you are the one who cultivates the land even if it's in your father's name, you may be eligible. Check at your nearest CSC with land records showing your family as cultivators.

What if I miss my monthly contribution?

Your subscription may be suspended. You can regularize by paying the missed months' amount + simple interest at the rate of 8% per annum. Visit CSC or the maandhan.in portal to reactivate.

I am 42 years old. Can I join?

No — the maximum entry age is 40 years. If you are above 40, you are not eligible for PM-KMY. Consider PPF or NPS as alternatives.

Will the ₹3,000/month pension increase with inflation?

The pension amount is fixed at ₹3,000/month as per the scheme design. The government may revise it periodically, but there is no guaranteed automatic inflation indexing.

Can my wife also get a separate pension?

Yes — your spouse can also enroll separately and contribute separately to get an additional ₹3,000/month pension after 60. Each person's subscription is independent.

Official Links

• Enroll: maandhan.in
• PM-KMY scheme: pmkmy.gov.in
• Enroll via: Nearest CSC (Common Service Centre)
• Helpline: 1800-267-6888 (PMKMY toll-free)