What is the purpose of Pradhan Mantri Kisan Maandhan Yojana?

Pradhan Mantri Kisan Maandhan Yojana is a government welfare initiative designed to support Individual, Individual through benefits related to Agriculture,Rural & Environment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.

Who can apply for Pradhan Mantri Kisan Maandhan Yojana?

Eligibility for Pradhan Mantri Kisan Maandhan Yojana may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.

What benefits are offered under Pradhan Mantri Kisan Maandhan Yojana?

Benefits under Pradhan Mantri Kisan Maandhan Yojana may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.

Which department manages Pradhan Mantri Kisan Maandhan Yojana?

Pradhan Mantri Kisan Maandhan Yojana is managed by Department of Agriculture & Farmers Welfare and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.

Can users apply online for Pradhan Mantri Kisan Maandhan Yojana?

Yes, eligible applicants may be able to apply online for Pradhan Mantri Kisan Maandhan Yojana through official government portals, authorised service centres, or digital application systems depending on the implementation process.

Is Aadhaar mandatory for Pradhan Mantri Kisan Maandhan Yojana?

Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.

Where can users apply for Pradhan Mantri Kisan Maandhan Yojana?

Applications for Pradhan Mantri Kisan Maandhan Yojana may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.

What documents may be required for Pradhan Mantri Kisan Maandhan Yojana?

Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.

Is income certificate required for Pradhan Mantri Kisan Maandhan Yojana?

Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Pradhan Mantri Kisan Maandhan Yojana.

Is Pradhan Mantri Kisan Maandhan Yojana a central government scheme?

Yes, Pradhan Mantri Kisan Maandhan Yojana is a central government welfare initiative that may be implemented across multiple states through authorised departments and agencies.

Can small and marginal farmers apply for Pradhan Mantri Kisan Maandhan Yojana?

Eligible small and marginal farmers may apply for Pradhan Mantri Kisan Maandhan Yojana subject to land ownership records, income eligibility, and agricultural beneficiary criteria.

Does Pradhan Mantri Kisan Maandhan Yojana provide subsidy support for farmers?

Pradhan Mantri Kisan Maandhan Yojana may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.

Who is eligible for pension benefits under Pradhan Mantri Kisan Maandhan Yojana?

Eligibility may depend on age, income category, social welfare criteria, disability status, widow status, or senior citizen classification defined under the scheme.

How are pension benefits provided under Pradhan Mantri Kisan Maandhan Yojana?

Pension assistance under Pradhan Mantri Kisan Maandhan Yojana may be transferred through direct benefit transfer (DBT), linked bank accounts, post office accounts, or welfare department payment systems.

Does Pradhan Mantri Kisan Maandhan Yojana provide healthcare or insurance support?

Pradhan Mantri Kisan Maandhan Yojana may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.

Can beneficiaries use Pradhan Mantri Kisan Maandhan Yojana at government hospitals?

Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.

Can CSC centres help users apply for Pradhan Mantri Kisan Maandhan Yojana?

Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.

How can users check the latest updates for Pradhan Mantri Kisan Maandhan Yojana?

Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.

Can beneficiaries track application status for Pradhan Mantri Kisan Maandhan Yojana?

Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.

Where can users get help for Pradhan Mantri Kisan Maandhan Yojana in All India?

Users in All India may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.

Which nearby public services may help with Pradhan Mantri Kisan Maandhan Yojana applications?

Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.

Pradhan Mantri Kisan Maandhan Yojana – eligibility, benefits & apply

Scheme profile

DBT (direct benefit transfer): No

Categories: Agriculture,Rural & Environment, Banking,Financial Services and Insurance, Social welfare & Empowerment

Sub-categories: Superannuation, Pension, Insurance

Target beneficiaries: Individual

Tags: Small And Marginal Farmer, Social Security, Old Age Pension, Family Pension

Details

"Pradhan Mantri Kisan Maandhan Yojana" by the Department of Agriculture & Farmers Welfare, Government of India is a government scheme meant for old age protection and social security of Small and Marginal Farmers (SMF). All Small and Marginal Farmers having cultivable landholding up to 2 hectares falling in the age group of 18 to 40 years, whose names appear in the land records of States/UTs as on 01.08.2019, are eligible to get benefits under the scheme.
Under this scheme, the farmers would receive a minimum assured pension of ₹,3000/- per month after attaining the age of 60 years and if the farmer dies, the spouse of the farmer shall be entitled to receive 50% of the pension as family pension. Family pension is applicable only to the spouse.

Benefits

- Monthly Pension Benefit:
The subscriber will receive a minimum assured pension of ₹3,000/- per month after attaining the age of 60 years
Family Pension Benefit:
In case of death of the subscriber, the spouse will receive 50% of the pension amount as family pension
Family pension is applicable only to the spouse
Government Matching Contribution:
The Government of India will contribute an amount equal to the subscriber’s monthly contribution to the pension fund
Disablement Benefit:
If the subscriber becomes permanently disabled before the age of 60 years, the spouse can continue the scheme by paying contributions or exit by receiving the subscriber’s contribution with interest
Exit Benefits:
If the subscriber exits within 10 years, only the subscriber’s contribution will be refunded with savings bank interest
If the subscriber exits after 10 years but before 60 years, the subscriber’s contribution will be refunded with accumulated interest or savings bank interest, whichever is higher

Monthly Pension Benefit:
The subscriber will receive a minimum assured pension of ₹ 3,000/- per month after attaining the age of 60 years.
Family Pension Benefit:
In case of death of the subscriber, the spouse will receive 50% of the pension amount as family pension.
Family pension is applicable only to the spouse.
Government Matching Contribution:
The Government of India will contribute an amount equal to the subscriber’s monthly contribution to the pension fund.
Disablement Benefit:
If the subscriber becomes permanently disabled before the age of 60 years, the spouse can continue the scheme by paying contributions or exit by receiving the subscriber’s contribution with interest.
Exit Benefits:
If the subscriber exits within 10 years, only the subscriber’s contribution will be refunded with savings bank interest.
If the subscriber exits after 10 years but before 60 years, the subscriber’s contribution will be refunded with accumulated interest or savings bank interest, whichever is higher.
If the subscriber dies before 60 years, the spouse can continue the scheme or exit with a refund of the subscriber’s contribution with interest.
After the death of both subscriber and spouse, the corpus will be credited back to the pension fund.

Eligibility

The applicant should be a Small or Marginal Farmer.
The applicant should have cultivable landholding up to 2 hectares as per State or Union Territory land records.
The applicant should be between 18 and 40 years of age at the time of entry.
The applicant’s name should appear in land records as on 01.08.2019.
The applicant should possess an Aadhaar card.
The applicant should have a savings bank account or PM-KISAN account.

Exclusions

SMFs covered under any other statuary social security schemes such as National Pension Scheme (NPS), Employees’ State Insurance Corporation scheme, Employees’ Fund Organization Scheme etc.
Farmers who have opted for Pradhan Mantri Shram Yogi Maandhan Yojana and Pradhan Mantri Vyapari Maandhan administered by the Ministry of Labour & Employment.
Further, the following categories of beneficiaries of higher economic status shall not be eligible for benefits under the scheme:

All Institutional Landholders.
Former and present holders of constitutional posts.
Former and present Ministers/ State Ministers and former/present Members of Lok Sabha/ Rajya Sabha/ State Legislative Assemblies/ State Legislative Councils, former and present Mayors of Municipal Corporations, former and present Chairpersons of District Panchayats.
All serving or retired officers and employees of Central/ State Government Ministries/ Offices/Departments and their field units, Central or State PSEs and Attached offices/ Autonomous Institutions under Government as well as regular employees of the Local Bodies (Excluding Multi Tasking Staff / Class IV/Group D employees).
All Persons who paid Income Tax in the last assessment year Professionals like Doctors, Engineers, Lawyers, Chartered Accountants, and Architects registered with Professional bodies and carrying out profession by undertaking practice.

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

6.0

/ 10

Public Benefit Score

Accessibility 6.0/10 Moderate

Rural usefulness 6.0/10 Moderate

Application complexity 3.5/10 Good

Financial impact 4.0/10 Moderate

Literacy barrier 4.0/10 Moderate

Women inclusivity 6.0/10 Moderate

Awareness 8.5/10 Good

Implementation reliability 7.0/10 Good

Bigger shape means a better fit for citizens

Accessibility6.0
Financial impact4.0
Rural utility6.0
Awareness8.5
Simplicity6.5
Inclusivity6.0

What problem does this scheme solve?

The scheme provides a safety net for small and marginal farmers, ensuring a monthly pension post-retirement.

Key challenges addressed

Old-age financial security for small and marginal farmers

Most beneficial for

Small and marginal farmers aged 60 and above

Likely challenges

Awareness among eligible farmers
Complexity in the application process for semi-literate individuals

Practical insights for citizens

Practical for eligible farmers but may face hurdles in application process

Rural challenges

Limited awareness and understanding of the scheme
Access to Common Service Centres may be challenging

Digital challenges

Dependence on digital literacy for online application

Implementation bottlenecks

Verification of land records and eligibility

Awareness challenges

Low awareness among target beneficiaries

Application analysis

Application mode: Online + CSC assisted
Documents burden: Aadhaar card, bank account details
Verification complexity: Moderate, requires multiple steps
Office dependency: Low, primarily through CSC
DBT dependency: Moderate, requires bank account for direct benefit transfer
CSC support: Available at local Common Service Centres
Estimated citizen effort: Moderate, requires physical visit to CSC

Estimated beneficiary reach

Rural / urban reach High
Gender reach Moderate
Target income group Low-income farmers
Occupation reach Agricultural workers

Benefit analysis

Benefit type: Cash
Benefit frequency: Monthly
Benefit practicality: High, provides essential financial support
Financial meaningfulness: Significant for low-income farmers
Long-term impact: Positive, enhances financial security in old age

Plain-language guidance

This scheme helps small farmers get a monthly pension of ₹3,000 after they turn 60. It aims to provide financial security in old age.

Who should apply: Small and marginal farmers aged 18 to 40 with land up to 2 hectares.
Who may struggle: Semi-literate individuals and those unfamiliar with online processes.
Best application route: Apply via local CSC with Aadhaar.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Online - via CSC

Step 1: The Eligible SMFs desirous of joining the scheme shall visit the nearest Common Service Centre (CSC).
Step 2: Following are the prerequisites for the enrolment process:

Aadhaar Card
Savings Bank Account Number along with IFSC Code ( Bank Passbook or Cheque Leave/book or copy of bank statement as evidence of bank account ).

Step 3: Initial contribution amount in cash will be made to the Village Level Entrepreneur (VLE).
Step 4: The VLE will key-in the Aadhaar number, Name of subscriber and Date of birth as printed on aadhaar card for authentication.
Step 5: The VLE will complete the online registration by filling up the details like Bank Account details, Mobile Number, Email Address, Spouse (if any) and Nominee details will be captured.
Step 6: System will auto calculate monthly contribution payable according to age of the Subscriber.
Step 7: Subscriber will pay the 1st subscription amount in cash to the VLE.
Step 8: Enrolment cum Auto Debit mandate form will be printed and will be further signed by the subscriber. VLE will scan the same and upload it into the system.
Step 9: A unique Kisan Pension Account Number (KPAN) will be generated and Kisan Card will be printed.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

What is "Pradhan Mantri Kisan Maandhan Yojana (PMKMY)"?: PMKMY is a voluntary and contributory pension scheme launched by the Government of India to provide old-age security to small and marginal farmers.
Who is eligible to join PMKMY?: Small and marginal farmers aged between 18 and 40 years with cultivable landholding up to 2 hectares are eligible to enroll in the scheme.
What pension benefit is provided under PMKMY?: After attaining the age of 60 years, beneficiaries receive a guaranteed monthly pension of ₹3,000/-.
Who is eligible to join PMKMY?: Small and marginal farmers aged between 18 and 40 years with cultivable landholding up to 2 hectares are eligible to enroll in the scheme.
What pension benefit is provided under PMKMY?: After attaining the age of 60 years, beneficiaries receive a guaranteed monthly pension of ₹3,000/-.
How much contribution is required from farmers?: The contribution depends on the age at entry and ranges from ₹55/- to ₹200/- per month.
Does the Government contribute to the scheme?: Yes, the Government of India makes an equal matching contribution to the farmer’s contribution.
What happens if the beneficiary dies during the scheme period?: If the beneficiary dies before the pension age, the spouse can continue the scheme by paying the remaining contributions.
What happens if the beneficiary dies after starting pension?: After the death of the pensioner, the spouse is entitled to receive 50% of the pension as a family pension.
Can a beneficiary exit the scheme?: Yes, beneficiaries can voluntarily exit the scheme before the age of 60 years under specified conditions.
What happens if the beneficiary exits before 10 years?: If the beneficiary exits before completing 10 years, only the farmer’s contribution along with savings bank interest will be returned.
What happens if the beneficiary exits after 10 years but before 60 years?: If the exit is after 10 years, the beneficiary can receive either the farmer’s contribution with interest or the accumulated pension fund, whichever is higher.
How can farmers enroll in the scheme?: Farmers can enroll through Common Service Centres (CSCs).
Can farmers receiving PM-KISAN benefits join PMKMY?: Yes, farmers receiving PM-KISAN benefits can also join PMKMY, and their PM-KISAN benefit can be used for contribution payment.

Official links

References

Guidelines: https://pmkmy.gov.in/scheme/pmkmy
Frequenty Asked Questions (FAQs): https://pmkmy.gov.in/page/faq
Monthly Contribution Chart: https://pmkmy.gov.in/scheme/pmkmy

Frequently asked questions

What is the purpose of Pradhan Mantri Kisan Maandhan Yojana?: Pradhan Mantri Kisan Maandhan Yojana is a government welfare initiative designed to support Individual, Individual through benefits related to Agriculture,Rural & Environment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Pradhan Mantri Kisan Maandhan Yojana?: Eligibility for Pradhan Mantri Kisan Maandhan Yojana may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under Pradhan Mantri Kisan Maandhan Yojana?: Benefits under Pradhan Mantri Kisan Maandhan Yojana may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages Pradhan Mantri Kisan Maandhan Yojana?: Pradhan Mantri Kisan Maandhan Yojana is managed by Department of Agriculture & Farmers Welfare and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Pradhan Mantri Kisan Maandhan Yojana?: Yes, eligible applicants may be able to apply online for Pradhan Mantri Kisan Maandhan Yojana through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Pradhan Mantri Kisan Maandhan Yojana?: Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for Pradhan Mantri Kisan Maandhan Yojana?: Applications for Pradhan Mantri Kisan Maandhan Yojana may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for Pradhan Mantri Kisan Maandhan Yojana?: Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is income certificate required for Pradhan Mantri Kisan Maandhan Yojana?: Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Pradhan Mantri Kisan Maandhan Yojana.
Is Pradhan Mantri Kisan Maandhan Yojana a central government scheme?: Yes, Pradhan Mantri Kisan Maandhan Yojana is a central government welfare initiative that may be implemented across multiple states through authorised departments and agencies.
Can small and marginal farmers apply for Pradhan Mantri Kisan Maandhan Yojana?: Eligible small and marginal farmers may apply for Pradhan Mantri Kisan Maandhan Yojana subject to land ownership records, income eligibility, and agricultural beneficiary criteria.
Does Pradhan Mantri Kisan Maandhan Yojana provide subsidy support for farmers?: Pradhan Mantri Kisan Maandhan Yojana may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.
Who is eligible for pension benefits under Pradhan Mantri Kisan Maandhan Yojana?: Eligibility may depend on age, income category, social welfare criteria, disability status, widow status, or senior citizen classification defined under the scheme.
How are pension benefits provided under Pradhan Mantri Kisan Maandhan Yojana?: Pension assistance under Pradhan Mantri Kisan Maandhan Yojana may be transferred through direct benefit transfer (DBT), linked bank accounts, post office accounts, or welfare department payment systems.
Does Pradhan Mantri Kisan Maandhan Yojana provide healthcare or insurance support?: Pradhan Mantri Kisan Maandhan Yojana may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
Can beneficiaries use Pradhan Mantri Kisan Maandhan Yojana at government hospitals?: Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.
Can CSC centres help users apply for Pradhan Mantri Kisan Maandhan Yojana?: Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for Pradhan Mantri Kisan Maandhan Yojana?: Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Can beneficiaries track application status for Pradhan Mantri Kisan Maandhan Yojana?: Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Pradhan Mantri Kisan Maandhan Yojana in All India?: Users in All India may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with Pradhan Mantri Kisan Maandhan Yojana applications?: Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.