PM Kisan Maandhan Yojana: Pension for Farmers, Eligibility, and How to Apply
Complete guide to PM Kisan Maandhan pension scheme. Small farmers get ā¹3,000 monthly pension after 60. Check eligibility, contribution, and apply.
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PM Kisan Maandhan Yojana: ā¹3,000 Monthly Pension for Small Farmers
Pradhan Mantri Kisan Maandhan Yojana (PM-KMY) is a Central Government pension scheme that provides a guaranteed monthly pension of ā¹3,000 after the age of 60 to small and marginal farmers. Launched in September 2019, the scheme operates on a voluntary and contributory basis with equal matching contribution by the Government of India.
What is PM Kisan Maandhan Yojana?
PM-KMY is a pension scheme specifically for small and marginal farmers who own cultivable land up to 2 hectares. The government matches the farmer's contribution equally (50:50 basis). The pension fund is managed by LIC of India. The scheme aims to provide old age social security to the farming community.
Who is Eligible?
- Small and marginal farmer ā owning cultivable land up to 2 hectares (as per land records of the state)
- Age: 18 to 40 years at the time of joining
- Indian citizen
- Not covered under NPS, ESIC, EPF, or PM-SYM
- Not an income tax payer
Who Cannot Apply?
- Farmers with landholding more than 2 hectares
- Farmers already receiving pension from other government schemes
- Income tax payers
- Institutional landholders
Contribution Chart
| Age at Joining | Farmer's Monthly Contribution | Government's Monthly Contribution |
|---|---|---|
| 18 years | ā¹55 | ā¹55 |
| 20 years | ā¹66 | ā¹66 |
| 25 years | ā¹100 | ā¹100 |
| 30 years | ā¹155 | ā¹155 |
| 35 years | ā¹234 | ā¹234 |
| 40 years | ā¹200 | ā¹200 |
Contributions are auto-debited from the farmer's bank account monthly.
Benefits
| Benefit | Details |
|---|---|
| Monthly pension | ā¹3,000 per month after age 60 |
| Spouse pension | 50% (ā¹1,500/month) after subscriber's death |
| Government contribution | Equal to farmer's contribution |
| Fund manager | LIC of India |
Documents Required
- Aadhaar card
- Savings bank account / Jan Dhan account passbook
- Land ownership records (Khasra/Khatauni)
- Mobile number
How to Apply
Through CSC (Common Service Centre)
- Visit nearest CSC ā Go to a Common Service Centre (Jan Seva Kendra)
- Carry documents ā Aadhaar card, bank passbook, and land records
- Aadhaar verification ā CSC operator verifies your identity via Aadhaar
- Fill details ā Personal information, land details, bank account, nominee
- Auto-debit mandate ā Give consent for monthly auto-debit from bank account
- Enrollment complete ā Receive Kisan Maandhan card/confirmation
- Contributions begin ā Monthly auto-debit starts
Self-Enrollment Online
- Visit maandhan.in or pmkmy.gov.in
- Click "Self Enrollment"
- Verify mobile via OTP
- Complete Aadhaar e-KYC
- Enter land and bank details
- Set up auto-debit
- Submit enrollment
Processing Time
- Enrollment: Instant at CSC, 1-2 days online
- Auto-debit activation: 3-5 working days
- Pension starts: After reaching age 60
Important Tips
- Join early ā At age 18, contribute just ā¹55/month for ā¹3,000 pension at 60
- Keep land records updated ā Ensure your Khasra/Khatauni is up to date
- Maintain bank balance ā Keep sufficient balance for auto-debit to avoid default
- PM-KISAN beneficiaries ā If you receive PM-KISAN benefits, you can opt to pay PM-KMY contributions directly from PM-KISAN instalments
- Nominate spouse ā Your spouse will receive ā¹1,500/month pension after your death
Frequently Asked Questions (FAQs)
Q1. How much pension will farmers get?
ā¹3,000 per month guaranteed pension after turning 60 years old.
Q2. Can I use PM-KISAN money to pay PM-KMY contribution?
Yes, PM-KISAN beneficiaries can choose to auto-deduct PM-KMY contributions from their PM-KISAN instalments.
Q3. What if I sell my land or landholding exceeds 2 hectares?
If your landholding exceeds 2 hectares after joining, you may need to exit the scheme. You'll receive your contributions with savings bank interest.
Q4. Can both husband and wife join?
Yes, if both are farmers with separate landholdings (each up to 2 hectares), both can join and receive ā¹3,000 pension each (ā¹6,000 total for the family).
Q5. What happens if I die before 60?
Your spouse can continue paying contributions and receive pension at 60, or exit and receive accumulated contributions with interest.
Q6. Is PM-KMY different from PM-SYM?
Yes. PM-KMY is specifically for small and marginal farmers. PM-SYM is for unorganised sector workers. Both provide ā¹3,000 monthly pension. You can join only one.
Q7. Is enrollment free at CSC?
Yes, enrollment at CSC is free of charge for farmers.
Disclaimer: This guide is for informational purposes only and is not affiliated with the Government of India. For official information, visit pmkmy.gov.in or maandhan.in.
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