The Government of India, in its continued effort to uplift the lives of small and marginal farmers, has introduced a significant social security initiative the PM Kisan Maandhan Yojana. Launched to provide financial support during old age, this scheme ensures that farmers who have dedicated their lives to agriculture don’t struggle financially in their later years. Upon reaching the age of 60, enrolled farmers receive a guaranteed monthly pension of ₹3000 (₹36,000 annually). Here you can check all offers, complete details of the PM Kisan Maandhan Yojana, including eligibility criteria, benefits, required documents, application process, important FAQs, and a table of general information.
PM Kisan Maandhan Yojana
The PM Kisan Maandhan Yojana (PMKMY) was started to financially secure small and marginal farmers (SMFs) post-retirement. Farmers between the ages of 18 to 40 years can register and contribute a nominal monthly amount until the age of 60. After that, they began to receive a fixed monthly pension of ₹3000 from the central government.
General Details Table PM Kisan Maandhan Yojana
| Feature | Information |
|---|---|
| Scheme Name | PM Kisan Maandhan Yojana (PMKMY) |
| Launch Year | 2019 |
| Target Beneficiaries | Small and Marginal Farmers (SMFs) |
| Pension Amount | ₹3000 per month after 60 years of age |
| Age Limit to Join | 18 to 40 years |
| Contribution Amount | ₹55 to ₹200 per month (age-dependent) |
| Government Contribution | Equal to subscriber’s contribution |
| Enrollment Mode | CSCs or Online Portal |
| Required Documents | Aadhaar, Land Proof, Bank Passbook, Mobile Number |
The government is increasing awareness among PM-KISAN beneficiaries to enroll in PMKMY. As of 2025, lakhs of farmers have already registered under the scheme.
Efforts are ongoing to simplify the online registration process further for remote areas.
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PM Kisan Maandhan Yojana Eligibility Criteria
Only those farmers who meet the following eligibility conditions can apply:
| Criteria | Description |
|---|---|
| Age Limit | 18 to 40 years at the time of enrollment |
| Land Ownership | Must own up to 2 hectares of cultivable land |
| Citizenship | Must be an Indian citizen |
| Occupation | Must be a small or marginal farmer as per land records |
| Exclusion Criteria | See below ineligibility section |
Farmers Who Are Not Eligible
Farmers covered under any other statutory pension schemes like:
- NPS (National Pension Scheme)
- EPFO (Employees’ Provident Fund)
- ESI (Employee State Insurance)
Beneficiaries of:
- PM Shram Yogi Maan Dhan Yojana (PM-SYM)
- PM Laghu Vyapari Maan-dhan Yojana (PM-LVM)
High-income categories:
- Institutional landholders
- Former/Current Ministers, MPs, MLAs, Mayors, and Panchayat Chairpersons
- Serving or retired Central/State Government officers
- Income Tax payers
- Practicing professionals like doctors, lawyers, engineers, CAs, etc.
Benefits of the Scheme
| Benefit | Description |
|---|---|
| Assured Monthly Pension | ₹3000 per month from age 60 onwards |
| Family Pension | ₹1500 per month to spouse if subscriber passes away post-retirement |
| Government Contribution | Central Govt. contributes an equal amount to subscriber’s pension contribution |
| Low Contribution | Starts from just ₹55/month at age 18 to ₹200/month at age 40 |
| PM-KISAN Linkage | Contributions can be auto-debited from the PM-KISAN bank account |
Documents Required
- Aadhaar Card
- Age Proof (Date of Birth Certificate or Aadhaar)
- Proof of landholding (up to 2 hectares)
- Bank Account Passbook
- Mobile Number
- Photograph
- PM-KISAN details (if applicable)
Contribution Chart (Age-wise)
| Age at Entry | Monthly Contribution | Age at Entry | Monthly Contribution |
|---|---|---|---|
| 18 years | ₹55 | 30 years | ₹105 |
| 20 years | ₹76 | 35 years | ₹150 |
| 25 years | ₹90 | 40 years | ₹200 |
How to Apply Offline via Common Service Center (CSC):
- Visit the nearest CSC.
- Carry the required documents (listed above).
- Fill the registration form.
- Pay the enrollment fee (₹30, paid by the government).
- Get the auto-debit mandate signed for monthly contributions.
Online Self-Enrollment:
- Visit the official website (e.g., maandhan.in).
- Click on “Self Enrollment” under PM-KMY section.
- Enter Aadhaar details and validate.
- Fill in the form and bank details.
- Submit and activate auto-debit.
Exit and Withdrawal Rules Details
| Scenario | Benefit |
|---|---|
| Exit before 10 years | Own contribution + interest at savings bank rate |
| Exit after 10 years but before age 60 | Contribution + higher of fund interest or bank interest |
| Subscriber dies before 60 | Spouse can continue or exit and get the total contribution + interest |
| Both the subscriber and the spouse pass away | The remaining corpus was returned to the pension fund |
The PM Kisan Maandhan Yojana 2025 stands as a landmark initiative to ensure a dignified and financially secure retirement for small and marginal farmers. With benefits like guaranteed pension, family support, and equal government contributions, this scheme promises a stable old age for India’s farming community.
If you are a small or marginal farmer or know someone who qualifies, ensure enrollment before the age of 40 to enjoy the long-term benefits. This small step today can secure your future tomorrow.
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