PM Kisan Maandhan Yojana (PM-KMY): ₹3,000 Farmers' Pension

What is Pradhan Mantri Kisan Maandhan Yojana?

PM-KMY was announced in 2019 and implemented as a social-security pension scheme for small and marginal farmers. It is voluntary, contributory and based on matching contribution by the Central Government.

The farmer contributes a prescribed amount based on age at enrolment, and the Government contributes an equal amount to the pension fund. The Life Insurance Corporation of India manages the pension fund and pension payout.

Eligibility for PM-KMY

The core eligibility conditions are:

• the applicant must be a small or marginal landholding farmer;
• cultivable landholding should be up to 2 hectares;
• the applicant's age at entry should be between 18 and 40 years;
• the landholding should be reflected in the applicable State/UT land records under the scheme framework; and
• the applicant must not fall within the prescribed exclusion categories.

Farmers Who Are Not Eligible

The scheme excludes specified categories, including:

• farmers covered under specified statutory social-security schemes such as NPS, ESIC or EPFO;
• farmers who have opted for PM-SYM;
• farmers who have opted for the pension scheme for traders/self-employed persons;
• institutional landholders;
• former and present holders of specified constitutional posts;
• former and present Ministers, MPs, MLAs/MLCs, Mayors and District Panchayat Chairpersons covered by the exclusion rules;
• specified serving or retired Government/PSE/autonomous-body/local-body employees other than permitted lower-category employees;
• persons who paid income tax in the relevant assessment period; and
• specified professionals such as doctors, engineers, lawyers, chartered accountants and architects who are registered with professional bodies and carry on professional practice.

Pension and Family Pension

An eligible subscriber who contributes as required receives a minimum assured pension of ₹3,000 per month after attaining 60 years.

The spouse can independently join the scheme, if otherwise eligible, by making a separate contribution and may then qualify for a separate ₹3,000 monthly pension on attaining age 60.

If the subscriber dies after commencement of pension, the spouse is entitled to receive 50% of the pension as family pension.

If the subscriber dies before age 60, the spouse may continue the scheme by paying the remaining contributions or may exercise the applicable exit option under the scheme rules.

Monthly Contribution: ₹55 to ₹200

The farmer's monthly contribution depends on age at entry. The Central Government contributes an equal matching amount.

Contributions continue until the subscriber reaches 60. The scheme framework also allows prescribed contribution frequencies and auto-debit arrangements.

Eligible PM-KISAN beneficiaries may opt, where the facility is available, to have their PM-KMY contribution adjusted/debited through the linked benefit and bank-account mechanism.

Exit, Default and Continuation Rules

The scheme contains provisions for voluntary exit, death before pension age, spouse continuation and regularisation of missed contributions.

The original scheme framework allowed voluntary exit after the prescribed minimum contribution period, with the farmer's own contribution returned with interest as specified in the scheme rules.

Missed contributions can be regularised by paying outstanding dues and the applicable interest/charges under the current administrative process.

Documents and Details Required

For CSC enrolment, the main documents/details generally include:

• Aadhaar card;
• savings-bank account/passbook or account details;
• landholding details as available in State/UT records;
• mobile number where available;
• spouse and nominee details; and
• auto-debit mandate for contribution collection.

How to Apply for PM-KMY

Through Common Service Centre

1. Visit the nearest Common Service Centre.
2. Carry Aadhaar and bank-account/passbook details.
3. Provide the required landholding, spouse and nominee details.
4. The CSC operator completes the online enrolment process.
5. Complete Aadhaar and bank verification.
6. Pay the initial contribution.
7. Complete and sign the enrolment-cum-auto-debit mandate.
8. Collect the PM-KMY pension card/account acknowledgement.

Online / Government Portal

Where available, eligible farmers may use the official PM-KMY/Maandhan digital enrolment route. If a portal is temporarily unavailable, enrolment can be pursued through the CSC network or current Government instructions.

Current Scheme Scale

Government reporting states that 24.95 lakh farmers had been enrolled under PM-KMY as of 2 February 2026.

The scheme continues to be listed among the major farmer-welfare programmes of the Department of Agriculture & Farmers Welfare.

Key Points to Remember

• PM-KMY remains active.
• It is meant for eligible small and marginal farmers.
• Entry age is 18-40 years.
• Eligible cultivable landholding is up to 2 hectares.
• Minimum assured pension is ₹3,000 per month after age 60.
• Farmer contribution ranges from ₹55 to ₹200 per month based on entry age.
• The Central Government provides an equal matching contribution.
• LIC manages the pension fund.
• CSC remains an important enrolment channel.