PM Kisan Maandhan Yojana — Pension Scheme for Farmers

PM Kisan Maandhan Yojana (PMKMY) is a government pension scheme for small and marginal farmers in India. After age 60, you get ₹3,000 every month as pension. The government pays 50% of the contribution — you only pay a small amount every month.

This scheme was launched on 12 September 2019 by the Ministry of Agriculture & Farmers Welfare.

What is PM Kisan Maandhan Yojana?

PM Kisan Maandhan is a voluntary and contributory pension scheme. Here is how it works:

• You pay a small monthly amount (₹55 to ₹200 depending on your age)
• The government matches your contribution — pays the same amount
• Both amounts go into a pension fund managed by LIC
• After you turn 60 years old, you get ₹3,000 per month pension
• Pension comes directly to your bank account

Simple example: If you join at age 18, you pay only ₹55/month. The government also puts ₹55/month. After age 60, you get ₹3,000/month for life.

Who Can Apply? (Eligibility)

You can apply if you meet all these conditions:

Who Cannot Apply?

You cannot apply if you are already covered under:

• NPS (National Pension System)
• ESIC (Employees' State Insurance Corporation)
• EPFO (Employees' Provident Fund Organisation)
• Any other social security scheme of the government

Also, higher income tax payers are not eligible.

Monthly Contribution Table (By Entry Age)

The amount you pay every month depends on what age you join. Lower age = lower contribution.

Note: The contribution is auto-debited from your bank account every month. If you are a PM Kisan beneficiary, you can choose to pay from your PM Kisan installment directly.

Documents Required

Keep these documents ready before applying:

1. Aadhaar Card — mandatory for identity and linking
2. Bank Passbook / Account Details — IFSC code and account number
3. Mobile Number — linked to Aadhaar (for OTP verification)
4. Land Records — to prove you are a small/marginal farmer (up to 2 hectares)

How to Apply for PM Kisan Maandhan Yojana

There are two ways to apply:

Option 1: Apply Online at pmkmy.gov.in (Self-Registration)

1. Go to pmkmy.gov.in
2. Click on "Self Enrollment" (using mobile number)
3. Enter your mobile number → receive OTP → verify
4. Enter your name, Aadhaar number, date of birth
5. Enter bank account details (account number + IFSC)
6. Upload land record details if asked
7. Choose your monthly contribution (auto-calculated based on age)
8. Set up auto-debit from your bank account
9. Submit the form → Kisan Pension Card is generated
10. Take a printout of the pension card for your records

Option 2: Apply Through CSC (Common Service Centre)

If you are not comfortable with online process, go to your nearest CSC centre:

1. Visit any CSC (Common Service Centre) or PM Kisan Seva Kendra
2. Carry your Aadhaar card, bank passbook, and land records
3. The CSC operator (VLE) will fill your form
4. Give your Aadhaar-based e-KYC (fingerprint or OTP)
5. The operator will set up your pension account
6. You will get a Kisan Pension Card — keep it safe!

Tip: To find the nearest CSC, visit csc.gov.in or call 14155.

How to Check PM Kisan Maandhan Status

To check your enrollment or pension status:

1. Visit maandhan.in
2. Click on "Login" using your mobile number
3. Enter OTP and log in
4. You can see your enrollment status, contribution history, and pension details

You can also visit your nearest CSC centre and ask them to check for you.

If you are also a PM Kisan beneficiary, check your PM Kisan status here.

Exit and Withdrawal Rules

If You Want to Leave Before Age 60

• Before 10 years of joining: You get back only your contribution (the amount you paid) with savings bank interest rate
• After 10 years but before age 60: You get back your contribution with accumulated interest (as earned by the pension fund) or savings bank interest, whichever is higher
• If you don't pay regularly: Your account doesn't close immediately. You can pay the pending amount with interest and continue. Otherwise, the account will be closed and you get your share back.

If Subscriber Dies Before Age 60

• The spouse (husband or wife) can choose to continue the scheme by paying the remaining contributions
• If the spouse does not want to continue, the subscriber's share (contribution + interest) is returned

Family Pension (For Spouse)

This is an important benefit:

• After the subscriber (pension holder) passes away after age 60, the spouse gets 50% of the pension amount — that is ₹1,500 per month as family pension
• This family pension is only for the spouse — not for children or other family members
• If both subscriber and spouse pass away, the entire money goes back to the pension fund

PM Kisan Maandhan vs Atal Pension Yojana (APY)

Many people ask — should I choose PM Kisan Maandhan or Atal Pension Yojana? Here is the comparison:

Our suggestion: If you are a farmer with small land, PM Kisan Maandhan is better because the government pays half. You can also join APY separately for extra pension.

Key Benefits of PM Kisan Maandhan

✅ ₹3,000 monthly pension after age 60 — guaranteed by government

✅ 50% government contribution — you pay only half

✅ Very low cost — starts from just ₹55/month

✅ Auto-debit from PM Kisan — can use your PM Kisan money to pay

✅ Family pension for spouse after death

✅ Voluntary scheme — no compulsion, you can exit anytime

✅ Managed by LIC — safe and secure

Frequently Asked Questions (FAQ)

Can I join PM Kisan Maandhan if I already get PM Kisan Samman Nidhi?

Yes! In fact, you can use your PM Kisan installment to pay the monthly contribution. Both schemes are separate — you can get benefits of both.

What if I miss a monthly payment?

Your account will not close immediately. You can pay the pending amount along with interest and continue. But try not to miss payments regularly.

Is there any tax benefit?

The pension amount you receive is taxable as per your income tax slab. However, most small farmers fall below the taxable limit, so they won't need to pay tax on this pension.

Can women farmers apply?

Yes, absolutely. Women farmers who own land (up to 2 hectares) or are co-owners can apply. There is no gender restriction.

What is the helpline number?

Call 1800-267-6888 (toll-free) for any questions about PM Kisan Maandhan Yojana.

Important Links

Related Guides

• PM Kisan Samman Nidhi — ₹6,000 Per Year for Farmers
• Check PM Kisan Status & Beneficiary List
• Atal Pension Yojana (APY) — Pension for All