The Pradhan Mantri Kisan Maandhan Yojana (PM-KMY) was launched by the Government of India on 12th September 2019 to provide social security and a stable pension to small and marginal farmers after they reach the age of 60. The main goal of this scheme was to protect farmers from financial insecurity during their old age, as many small farmers do not have access to formal pension systems.
The scheme is a voluntary contributory pension plan where farmers pay a small monthly amount, and the Central Government contributes an equal amount to the pension fund. As of August 2024, more than 23.38 lakh farmers have enrolled in the scheme, with Bihar and Jharkhand leading in registrations. The pension fund is managed by the Life Insurance Corporation of India (LIC), ensuring reliability and long-term sustainability. Farmers can contribute as little as ₹55 per month depending on their age at entry, making it one of the most affordable pension schemes in the country.
In this article, you will learn everything about the PM Kisan Maandhan Yojana 2026. We will cover the eligibility criteria, how to apply online and offline, required documents, how to check your application status, contribution amounts, benefits, important dates, common mistakes to avoid, reasons for rejection, and answers to frequently asked questions. Whether you are a small farmer looking for retirement security or a family member helping an elderly farmer, this guide will help you understand the scheme in a simple and clear way.
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Overview of the PM Kisan Maandhan Yojana
The PM Kisan Maandhan Yojana is a pension scheme designed exclusively for small and marginal farmers in India. It guarantees a minimum monthly pension of ₹3,000 after the subscriber turns 60 years old. The scheme operates on a 50-50 contribution model where the farmer and the government both pay equal amounts into the pension fund. The contributions range from ₹55 to ₹200 per month based on the farmer’s age at the time of enrollment. The scheme also provides a family pension of ₹1,500 per month to the spouse in case of the subscriber’s death. Registration is facilitated through Common Service Centres (CSCs) and State Government offices, making it accessible even in rural areas.
| Particulars | Details |
|---|---|
| Scheme Name | Pradhan Mantri Kisan Maandhan Yojana (PM-KMY) |
| Launched By | Government of India |
| Launch Date | 12th September 2019 |
| Total Enrollments (as of Aug 2024) | 23.38 Lakh Farmers |
| Monthly Pension After Age 60 | ₹3,000 |
| Family Pension | ₹1,500 per month |
| Monthly Contribution | ₹55 to ₹200 (Based on Age) |
| Government Contribution | Equal to Farmer’s Contribution |
| Pension Fund Manager | Life Insurance Corporation of India (LIC) |
| Registration Channels | CSCs, State Government Offices |
| PM-KISAN Linkage | Auto-debit from PM-KISAN benefits possible |
| Official Website | https://pmkisan.gov.in |
Eligibility Criteria for PM Kisan Maandhan Yojana 2026
To enroll in the PM Kisan Maandhan Yojana, you must meet certain eligibility conditions set by the Ministry of Agriculture and Farmers Welfare. Here are the detailed eligibility criteria:
- Small and Marginal Farmers: Only farmers who own up to 2 hectares of cultivable land are eligible for this scheme.
- Age Limit: The applicant must be between 18 and 40 years of age at the time of enrollment.
- Not Covered by Other Pension Schemes: The farmer should not be a beneficiary of any other statutory social security scheme such as the National Pension System (NPS), Employees’ Provident Fund (EPF), or Employees’ State Insurance (ESI).
- Not a Taxpayer: The applicant should not be an income tax payee.
- Indian Citizenship: Only Indian citizens engaged in farming within India are eligible.
- PM-KISAN Beneficiary: While not mandatory, many enrollees are also PM-KISAN beneficiaries, and their contributions can be auto-debited from PM-KISAN installments.
- Spouse Condition: If the spouse is already a subscriber to PM-KMY, the other spouse cannot enroll separately.
- Landholding Proof: The applicant must have valid land records or documents proving landholding of up to 2 hectares.
Benefits of the PM Kisan Maandhan Yojana
The PM Kisan Maandhan Yojana offers several important benefits that make it a valuable social security tool for small farmers. Here is a detailed look at the advantages:
Guaranteed Monthly Pension
- Subscribers receive a fixed pension of ₹3,000 per month after attaining the age of 60 years.
- This provides a stable and reliable income source during old age when farming ability may decline.
Affordable Monthly Contributions
- Farmers contribute only ₹55 to ₹200 per month depending on their age at entry.
- This low contribution makes the scheme accessible even to farmers with limited income.
Equal Government Contribution
- The Central Government matches the farmer’s contribution rupee for rupee.
- This doubles the pension corpus and reduces the financial burden on the farmer.
Family Pension for Spouse
- In case of the subscriber’s death after pension commencement, the spouse receives a family pension of ₹1,500 per month.
- This ensures continued financial support for the surviving family member.
PM-KISAN Auto-Debit Facility
- Small and marginal farmers who are PM-KISAN beneficiaries can authorize auto-debit of contributions from their PM-KISAN installments.
- This eliminates the need for manual monthly payments and ensures regular contributions.
Exit Option with Returns
- If a subscriber exits the scheme before reaching 60 years of age, they receive their total contribution plus accumulated interest.
- This provides flexibility and protects the farmer’s savings.
Corpus Return on Death
- If both the subscriber and spouse pass away, the remaining pension corpus is returned to the fund.
- This ensures that the money is utilized for the welfare of other farmers in the scheme.
Application Procedure for PM Kisan Maandhan Yojana 2026
Farmers can apply for the PM Kisan Maandhan Yojana through both online and offline channels. The process is designed to be simple and accessible for rural farmers.
Online Application Process
- Step 1: Visit the official PM-KISAN portal at https://pmkisan.gov.in.
- Step 2: Navigate to the ‘PM-Kisan Maandhan Yojana’ section on the homepage.
- Step 3: Click on the ‘Apply Online’ or ‘New Registration’ option.
- Step 4: Enter your Aadhaar number and verify it using the OTP sent to your registered mobile number.
- Step 5: Fill in the online application form with personal details, landholding information, and bank account details.
- Step 6: Upload scanned copies of required documents including Aadhaar card, land records, and bank passbook.
- Step 7: Review all details carefully and submit the application.
- Step 8: Note down the application reference number for future tracking.
Offline Application Process
- Step 1: Visit the nearest Common Service Centre (CSC) in your village or tehsil.
- Step 2: Request the PM-KMY application form from the CSC operator.
- Step 3: Fill out the form with accurate details including name, age, address, landholding, and bank information.
- Step 4: Attach photocopies of all necessary documents.
- Step 5: Submit the completed form to the CSC operator.
- Step 6: The CSC operator will enter your details into the online system and provide an acknowledgment receipt.
- Step 7: Your application will be forwarded to the concerned authorities for verification and approval.
Important Dates for PM Kisan Maandhan Yojana 2026
The PM Kisan Maandhan Yojana operates on a continuous enrollment basis, but there are certain timelines and milestones that farmers should be aware of.
| Event | Timeline/Details |
|---|---|
| Scheme Launch Date | 12th September 2019 |
| Five Years Completion | September 2024 |
| Enrollment Window | Open Throughout the Year |
| Monthly Contribution Due Date | As per Enrollment Date (Auto-debit or Manual) |
| Pension Commencement | Upon Attaining 60 Years of Age |
| Annual Review | As per LIC and Government Policy |
| PM-KISAN Installment Dates | Every 4 Months (Apr-Jul, Aug-Nov, Dec-Mar) |
| Latest Enrollment Data | August 2024 (23.38 Lakh Enrolled) |
Farmers are advised to enroll as early as possible, preferably before the age of 30, to keep their monthly contribution amount low. The earlier you enroll, the lower your monthly contribution will be.
Documents Required to Apply for PM Kisan Maandhan Yojana
To apply for the PM Kisan Maandhan Yojana, you need to submit a set of documents that prove your identity, age, landholding, and bank details. Here is the complete list:
- PM-KMY Application Form: A duly filled and signed application form obtained from the CSC or downloaded online.
- Aadhaar Card: Mandatory identity and address proof for verification.
- Land Ownership Records: Certified copies of land records proving ownership of up to 2 hectares of cultivable land.
- Age Proof: Documents such as Aadhaar card, voter ID, or birth certificate to verify age between 18 and 40 years.
- Bank Account Details: A cancelled cheque or bank passbook copy showing the account number and IFSC code for auto-debit and pension credit.
- Passport-Size Photographs: Two recent passport-size photographs of the applicant.
- Mobile Number: A valid mobile number registered in the applicant’s name for OTP verification and updates.
- PM-KISAN Details: If applicable, provide PM-KISAN beneficiary ID for auto-debit authorization.
- Income Declaration: A self-declaration stating that the applicant is not an income tax payee.
- Spouse Declaration: If married, a declaration confirming that the spouse is not already a PM-KMY subscriber.
How to Check PM Kisan Maandhan Yojana Application Status
After applying for the PM Kisan Maandhan Yojana, you can track the status of your application through the following methods:
- Through PM-KISAN Portal: Visit the official PM-KISAN website at https://pmkisan.gov.in. Navigate to the ‘PM-KMY Status’ section and enter your Aadhaar number or application reference number.
- Through CSC: Visit the same Common Service Centre where you submitted your application. The CSC operator can check the status using your application reference number.
- By Calling Helpline: Dial the PM-KISAN toll-free helpline number 155261 or 1800115526. Provide your Aadhaar number or application details to the executive for status updates.
- Through SMS Updates: Once your application is processed, you may receive SMS alerts regarding approval, rejection, or pending verification.
- Through Bank Account: If your application is approved and auto-debit is activated, you will see the contribution deduction in your bank statement.
- Through LIC Records: Since LIC manages the pension fund, you can also contact LIC offices for updates on your pension account status.
Application Fee and Scheme Charges
The PM Kisan Maandhan Yojana is designed to be completely free for farmers. Here are the details regarding fees and charges:
- Application Fee: There is no application fee or registration charge for enrolling in the PM-KMY scheme.
- Monthly Contribution: Farmers pay a monthly contribution ranging from ₹55 to ₹200 based on their age at enrollment. For example, an 18-year-old pays ₹55 per month, while a 40-year-old pays ₹200 per month.
- Government Contribution: The Central Government contributes an equal amount to the pension fund, effectively doubling the savings.
- No Processing Charges: Banks and CSCs are not allowed to charge any processing fee for handling PM-KMY applications.
- No Hidden Charges: The scheme is fully transparent, and no additional charges are levied on the subscriber.
- Auto-Debit Convenience: If you opt for auto-debit from PM-KISAN benefits, there are no extra charges for this facility.
Latest Updates of the PM Kisan Maandhan Yojana
The PM Kisan Maandhan Yojana has seen several important developments recently:
- Five Years Milestone: The scheme completed five successful years in September 2024, with over 23.38 lakh farmers enrolled nationwide.
- Leading States: Bihar and Jharkhand have recorded the highest number of registrations, followed by Uttar Pradesh, Chhattisgarh, and Odisha.
- PM-KISAN Integration: The government has strengthened the linkage between PM-KISAN and PM-KMY, allowing easier auto-debit of contributions from PM-KISAN installments of ₹6,000 per year.
- Increased Awareness: Various state governments and CSCs are conducting awareness camps in rural areas to encourage more small farmers to enroll.
- Digital Enrollment: The enrollment process has been further digitized, making it easier for farmers to apply through CSCs with minimal paperwork.
Selection Process of the PM Kisan Maandhan Yojana
The enrollment and approval process for the PM Kisan Maandhan Yojana involves the following steps:
- Application Submission: The farmer submits the completed application form along with all required documents at a CSC or online portal.
- Aadhaar Verification: The system verifies the applicant’s Aadhaar details and links them to the application.
- Land Record Verification: The concerned authorities verify the land records to confirm that the applicant owns up to 2 hectares of cultivable land.
- Age Verification: The applicant’s age is verified using Aadhaar or other age proof documents to ensure they are between 18 and 40 years.
- Bank Account Verification: The provided bank account details are verified for auto-debit setup and future pension credit.
- Approval and Enrollment: Once all verifications are complete, the application is approved, and the farmer becomes a subscriber to the scheme.
- Contribution Commencement: The monthly contributions begin either through auto-debit or manual payment as chosen by the farmer.
Common Mistakes While Applying for PM Kisan Maandhan Yojana
Many farmers face delays or rejections due to simple mistakes during the application process. Here are the common ones to avoid:
- Incorrect Aadhaar Details: Entering wrong Aadhaar numbers or using an unlinked mobile number causes verification failures.
- Wrong Land Records: Submitting land records that show more than 2 hectares or uncertified documents leads to rejection.
- Age Mismatch: Applying after the age of 40 or providing incorrect age proof makes the application invalid.
- Already Covered by Other Schemes: Farmers who are already beneficiaries of NPS, EPF, or ESI are not eligible, and applying wastes time.
- Missing Bank Details: Providing incorrect bank account numbers or IFSC codes delays auto-debit setup and pension credit.
- Spouse Already Enrolled: If one spouse is already a subscriber, the other cannot enroll, but many applicants ignore this rule.
- Not Opting for Auto-Debit: Manual payments often lead to missed contributions and policy lapse.
- Ignoring PM-KISAN Linkage: PM-KISAN beneficiaries should authorize auto-debit to ensure hassle-free contributions.
Reasons for Application Rejection
Your PM Kisan Maandhan Yojana application may be rejected for the following reasons:
- Landholding Exceeds 2 Hectares: Farmers owning more than 2 hectares of land are not eligible for this scheme.
- Age Not Between 18 and 40: Applicants below 18 or above 40 years of age do not meet the age criteria.
- Already a Pension Scheme Beneficiary: Those enrolled in NPS, EPF, ESI, or other statutory social security schemes are ineligible.
- Income Tax Payer: If the applicant is an income tax assessee, the application will be rejected.
- Invalid Documents: Forged, outdated, or incorrect land records and identity proofs lead to immediate rejection.
- Spouse Already a Subscriber: If the applicant’s spouse is already enrolled in PM-KMY, the new application is rejected.
- Duplicate Application: Submitting multiple applications with the same Aadhaar number causes rejection of duplicates.
- Bank Account Issues: Applications with inactive, closed, or incorrectly linked bank accounts are not processed.
How to Register and Login to the PM Kisan Maandhan Yojana Portal
The PM Kisan Maandhan Yojana does not have a separate dedicated portal for subscribers. Enrollment and management are handled through the PM-KISAN portal and CSCs.
Registration Process
- Step 1: Visit the official PM-KISAN portal at https://pmkisan.gov.in.
- Step 2: Click on the ‘Farmers Corner’ or ‘PM-KMY’ section.
- Step 3: Select ‘New Registration’ and enter your Aadhaar number.
- Step 4: Verify your identity using the OTP sent to your Aadhaar-linked mobile number.
- Step 5: Fill in all required details including personal information, landholding, and bank account.
- Step 6: Upload scanned copies of necessary documents.
- Step 7: Submit the application and note the reference number.
Login Process
- Step 1: Go to the PM-KISAN portal and click on ‘Login’ or ‘Beneficiary Status.’
- Step 2: Enter your Aadhaar number or application reference number.
- Step 3: Complete the CAPTCHA verification if required.
- Step 4: Enter the OTP sent to your registered mobile number.
- Step 5: You will be logged in to view your enrollment status, contribution history, and pension details.
Reset and Forget Password for PM Kisan Maandhan Yojana Portal
If you forget your login credentials for the PM-KISAN portal, you can reset them easily:
- Step 1: Go to the PM-KISAN portal login page and click on ‘Forgot Password’ or ‘Reset Password.’
- Step 2: Enter your Aadhaar number and registered mobile number.
- Step 3: Verify your identity using the OTP sent to your mobile.
- Step 4: Create a new password following the portal’s password policy.
- Step 5: Confirm the new password and log in with the updated credentials.
- For Username Recovery: If you forgot your username, click on ‘Forgot User ID,’ enter your Aadhaar number, and receive your user ID via SMS.
Grievance Redressal Process
If you face any issues with your PM Kisan Maandhan Yojana enrollment or contributions, you can use the following grievance redressal channels:
- CSC Level: First, contact the CSC operator where you enrolled. Most enrollment-related issues are resolved at this level.
- PM-KISAN Helpline: Call the national toll-free helpline 155261 or 1800115526 for queries and complaints.
- State Agriculture Department: Contact your state agriculture department for land record verification and enrollment issues.
- LIC Offices: Since LIC manages the pension fund, you can approach LIC offices for pension-related grievances.
- Online Complaint: Visit the PM-KISAN portal and use the grievance section to lodge online complaints.
- Written Complaint: Send a written complaint to the Ministry of Agriculture and Farmers Welfare, Government of India, for serious matters.
Renewal Process for PM Kisan Maandhan Yojana
The PM Kisan Maandhan Yojana does not require annual renewal in the traditional sense, but there are important processes to keep the account active:
- Regular Contributions: Subscribers must ensure that their monthly contributions are paid regularly without default.
- Auto-Debit Renewal: If you opted for auto-debit from PM-KISAN, ensure that your PM-KISAN benefits continue and your bank account remains active.
- Bank Account Update: If you change your bank account, update the new details immediately at the CSC or through the PM-KISAN portal to avoid missed contributions.
- Address and Mobile Update: Keep your address and mobile number updated for receiving important notifications and OTPs.
- Annual Statement Review: Review your annual contribution statement provided by LIC to ensure all payments are correctly recorded.
- Continuation Until Age 60: The contributions must continue until the subscriber reaches 60 years of age, after which the pension begins automatically.
Important Links and PDFs of the Scheme
| Resource | Link |
|---|---|
| PM-KISAN Official Portal | https://pmkisan.gov.in |
| PM-KMY Salient Features PDF | https://pmkisan.gov.in/Documents/PM-KMY%20-%20Salient%20Features.pdf |
| PM-KMY Official Page (DAFW) | https://nfwpis.da.gov.in/Home/PMKisanMaandhanYojana |
| PIB Press Release – 5 Years of PM-KMY | https://www.pib.gov.in/PressReleseDetailm.aspx?PRID=2053142 |
| PM Events – Installment Releases | https://pmevents.mygov.in/en/home/ |
Contact and Information of the Scheme
If you need help or have questions about the PM Kisan Maandhan Yojana, you can use the following contact details:
- National Toll-Free Helpline: 155261 or 1800-11-5526
- PM-KISAN Portal: Visit https://pmkisan.gov.in for online services and status checks.
- Common Service Centres (CSCs): Visit your nearest CSC for enrollment assistance and document verification.
- State Agriculture Departments: Contact your state agriculture department for local scheme information and support.
- LIC Offices: Approach Life Insurance Corporation of India offices for pension fund and contribution-related queries.
- Ministry of Agriculture: Write to the Ministry of Agriculture and Farmers Welfare, Government of India, for policy-level queries.
Frequently Asked Questions (FAQs)
Q1. What is the monthly pension amount under PM Kisan Maandhan Yojana?
Subscribers receive a guaranteed minimum pension of ₹3,000 per month after attaining the age of 60 years.
Q2. How much do I need to contribute every month?
The monthly contribution ranges from ₹55 to ₹200 depending on your age at enrollment. Younger farmers pay less per month.
Q3. Who is eligible for PM Kisan Maandhan Yojana?
Small and marginal farmers owning up to 2 hectares of land, aged between 18 and 40 years, who are not covered by other statutory pension schemes.
Q4. Can I apply for PM-KMY if I am already a PM-KISAN beneficiary?
Yes, PM-KISAN beneficiaries are encouraged to apply, and they can authorize auto-debit of contributions from their PM-KISAN installments.
Q5. What happens if I stop paying contributions?
If you exit before age 60, you will receive your total contribution plus accumulated interest. However, you will not be eligible for the pension.
Q6. Is there any family pension under this scheme?
Yes, if the subscriber dies after pension commencement, the spouse receives a family pension of ₹1,500 per month.
Q7. Can I apply online for PM Kisan Maandhan Yojana?
Yes, you can apply through the PM-KISAN portal, but most farmers prefer enrolling through their nearest Common Service Centre (CSC).
Q8. What documents are required for PM-KMY enrollment?
You need Aadhaar card, land records up to 2 hectares, bank account details, age proof, and passport-size photographs.
Q9. Is there any application fee for PM Kisan Maandhan Yojana?
No, there is no application fee or registration charge. The scheme is completely free to enroll.
Q10. How can I check my PM-KMY application status?
You can check your status on the PM-KISAN portal using your Aadhaar number, at the CSC where you applied, or by calling the toll-free helpline 155261.