₹3000 Monthly Pension for Farmers: PM-Kisan Maandhan Yojana
The Central Government has launched a crucial social security initiative — the Pradhan Mantri Kisan Maandhan Yojana (PM-KMY) — aimed at supporting the financial well-being of small and marginal farmers in their old age. The primary objective of this scheme is to ensure financial stability for farmers post-retirement and make them self-reliant. Under this scheme, eligible farmers are entitled to receive a minimum assured monthly pension of ₹3000 after attaining the age of 60 years, so they are not financially dependent on others and can live a dignified life in their old age.
Overview of PM-Kisan Maandhan Yojana
The PM-Kisan Maandhan Yojana is exclusively designed for small and marginal farmers, not for urban or well-off agriculturists. It specifically covers those farmers who own less than 2 hectares of cultivable land. Through this initiative, the government ensures that these hardworking individuals engaged in agriculture are financially secured during their senior years and do not face any financial hardship in old age.
Who Can Avail the Scheme?
To benefit from this scheme, farmers must meet certain eligibility criteria. Most importantly, the applicant must be between 18 and 40 years of age and should own less than 2 hectares of agricultural land. If these conditions are met, the farmer can enrol in the scheme.
Enrolled farmers are required to make monthly contributions towards the pension fund, which ranges from ₹55 to ₹200 depending on their age at the time of joining. A key feature of the scheme is that the government matches the farmer’s contribution amount — that is, whatever amount the farmer deposits monthly, the government contributes an equal sum to strengthen the pension fund and provide long-term financial security.
How Much Pension Will Be Given?
Upon reaching 60 years of age, the enrolled farmers are entitled to receive a monthly pension of ₹3000 from the government. This fixed amount is intended to help them manage their day-to-day expenses and sustain their livelihood during retirement. It not only provides economic stability but also serves as a pillar of social security.
In the event of the farmer’s death, the spouse or nominated heir is eligible to receive 50% of the pension as a family pension, ensuring continued financial support for the family and safeguarding their livelihood.
Monthly Contribution by Farmers
Farmers are required to contribute between ₹55 and ₹200 per month, based on their age. For instance:
- A farmer enrolling at the age of 18 will contribute the minimum amount.
- A farmer closer to 40 years of age will be required to contribute a higher amount.
In simple terms, the younger the farmer at the time of enrolment, the lower the monthly contribution, since the contribution period is longer. Conversely, older farmers have a shorter contribution window, so their monthly contribution is higher.
This contribution is automatically debited from the farmer’s bank account. Notably, the government contributes an equal amount to the pension fund, ensuring financial stability and a secure retirement for the farmers.
Complete Registration Process
To enrol in the pension scheme, farmers must submit the required documents. The following are necessary for registration:
- Aadhaar Card
- Bank account details (passbook or cheque)
- Mobile number
- Proof of date of birth
- Land ownership documents (if available)
There are two primary methods for registration:
- Online Registration:
Farmers can visit the official website pmkmy.gov.in and register themselves using their Aadhaar number and bank details. Upon successful registration, they will receive a digital pension card on their mobile device. - Offline Registration:
Farmers can visit the nearest Common Service Centre (CSC) along with their documents. The CSC personnel assist with the online registration process and ensure that the farmer is enrolled in the scheme.
Once registered, the farmer receives a pension card, which serves as proof of enrolment and is used to claim the pension upon reaching 60 years of age.
Assistance and Helpline
For any queries or assistance related to the scheme, farmers can call the government’s toll-free helpline at 1800-180-1551, available from 6 AM to 10 PM. Additionally, CSC staff are trained to help farmers with the registration and application process.
Support from State and Central Governments
The Central Government, in coordination with State Governments, has intensified efforts to promote the PM-Kisan Maandhan Yojana. Departments such as Horticulture and Agriculture at the state level are actively spreading awareness among farmers. At the grassroots level, from village panchayats to block offices, extensive outreach is being conducted to maximise enrolment and ensure eligible farmers benefit from the scheme.
Significance of the Scheme
Nearly 85% of India’s farmers are small and marginal, relying on daily agricultural labour for their livelihood. However, many of them face financial insecurity in old age. The PM-Kisan Maandhan Yojana has emerged as a lifeline for this vulnerable group. Particularly during challenging times such as the COVID-19 pandemic and economic slowdowns, the scheme has served as a vital safety net.
The government has accelerated promotional efforts and is urging farmers to enrol in a timely manner, as delayed applications may lead to missed benefits due to the age eligibility criteria. Hence, early registration is highly recommended.
Conclusion
The PM-Kisan Maandhan Yojana is a highly beneficial initiative for small and marginal farmers aged between 18 and 40 years who own less than 2 hectares of land. Under this scheme, farmers contribute a fixed monthly amount based on their age, and upon turning 60, they receive a monthly pension of ₹3000 from the government. This pension plays a crucial role in ensuring a secure and independent life during old age.
If you or someone you know is eligible for this scheme, it is advisable to register as early as possible either through the official website or by visiting the nearest CSC centre. This ensures future financial support and helps farmers lead a life of dignity.
More than just monetary aid, this scheme is a symbol of respect and empowerment for farmers. It reflects the government’s commitment to honouring the nation’s food providers — ensuring they remain protected and empowered throughout every phase of life.
Frequently Asked Questions
What is the PM-Kisan Maandhan Yojana?
It is a government pension scheme that provides ₹3000 monthly pension to small and marginal farmers after 60 years of age.
Who is eligible to apply for the scheme?
Farmers aged between 18 and 40 years who own less than 2 hectares of cultivable land.
How much monthly contribution is required from farmers?
Between ₹55 and ₹200 per month, depending on the farmer’s age at the time of registration.
How can a farmer register for the scheme?
Registration can be done online via pmkmy.gov.in or offline at the nearest Common Service Centre (CSC).
What happens if the farmer dies before or after retirement age?
The spouse or nominee receives 50% of the pension amount as a family pension.
What documents are required for registration?
Aadhaar card, bank account details, mobile number, date of birth proof, and land ownership documents (if available).
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