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SIGNUP

Pradhan Mantri Kisan Maandhan Yojana (PM-KMY)

At a glance

PM-KMY is an old-age pension scheme for small and marginal farmers, run by the Ministry of Agriculture & Farmers Welfare with the Life Insurance Corporation of India (LIC) as the pension fund manager. Farmers aged 18–40 pay a small monthly contribution, the Central Government matches it rupee-for-rupee, and from age 60 the farmer receives an assured pension of Rs 3,000 per month. The scheme has been in effect since 9 August 2019.

Who is eligible

  • Small and marginal farmers who own cultivable land up to 2 hectares as per the land records of their State/UT.
  • Entry age between 18 and 40 years.

Who is NOT eligible:

  • Farmers covered under other statutory social security schemes such as NPS, ESIC, or EPFO
  • Farmers who have already joined PM-SYM (Shram Yogi Maandhan) or the traders' pension scheme
  • Income tax payers and other higher-economic-status categories excluded under PM-KISAN-style exclusion criteria

Benefits

  • Assured pension of Rs 3,000 per month after the age of 60, for life.
  • Government matching: the Central Government deposits an amount equal to your monthly contribution into your pension account.
  • Family pension: if the pensioner dies after age 60, the spouse receives 50% of the pension (Rs 1,500 per month) as family pension. Family pension applies only to the spouse.
  • Contribution amounts: between Rs 55 and Rs 200 per month, fixed by your age at entry (Rs 55 at age 18, Rs 200 at age 40) and payable until age 60.
  • Contributions can be paid in cash through a CSC or deducted from your PM-KISAN installments with your consent.

How to apply

Through a CSC (main route):

  1. Visit your nearest Common Service Centre with your Aadhaar card and bank passbook.
  2. The Village Level Entrepreneur (VLE) enters your details, and your age decides your monthly contribution.
  3. The first contribution is paid in cash at the CSC; you then sign an auto-debit mandate for future contributions.
  4. You receive a Kisan Pension Account Number (KPAN) and a pension card. Enrollment at the CSC is free for the farmer — the government pays the CSC fee.

Online (self-enrollment):

  1. Go to maandhan.in and choose self-enrollment.
  2. Register with your mobile number and OTP, then fill in your details and bank mandate.

Documents required

  • Aadhaar card
  • Savings bank account / passbook (for the auto-debit mandate)
  • Land record showing holding up to 2 hectares (as per state records)
  • Mobile number

Key dates & status

  • In effect since 9 August 2019; enrollment is open year-round for those in the 18–40 age band.
  • Exit rules: you can leave after at least 5 years of regular contributions; LIC returns your contributions with interest at prevailing savings-bank rates. If you exit before completing 5 years, only your own contribution with savings-bank interest is returned. If a member dies before 60, the spouse may continue the account or exit with the accumulated amount — confirm exact terms on the official portal.

Common questions

Q: I am 45. Can I join? No. Entry is only between 18 and 40 years of age.

Q: What exactly will I pay? It depends on your entry age: Rs 55/month if you join at 18, up to Rs 200/month if you join at 40. The government adds the same amount every month.

Q: Can my PM-KISAN money pay my contribution? Yes. You can consent to have contributions deducted from your PM-KISAN installments.

Q: What happens if I stop paying? The account can become irregular. You can regularize it by paying dues with interest, or exit under the rules above — confirm the current regularization terms at a CSC or on the portal.

Sources: https://maandhan.in, https://agriwelfare.gov.in/en/FarmersWelDiv, https://www.manage.gov.in/fpoacademy/CGSchemes/PM%20Kisan%20Man%20dhan%20Yojana.pdf, https://en.vikaspedia.in/viewcontent/agriculture/agri-insurance/pm-kisan-maandhan-yojana. Last verified: 2026-08-07. Always confirm current details on the official portal before acting.