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by Jaagruk Bharat

09-07-2024 at 10:29 AM

The PM Kisan Maan Dhan Yojana Helping Unorganised Workers In India

Pradhan Mantri Kisan Maan Dhan Yojna (PMKMY) Scheme aims to give pensions to Small and Marginal Farmers (SMF) in the country to provide social security. The govt scheme has been effective from 9th August 2019. Let’s understand the scheme and how it empowers the farmers of India.

What Is PM Kisan Maan Dhan Yojana?

The  Pradhan Mantri Kisan Maan Dhan Yojana (PMKMY) was introduced by the government of India to provide a gov pension scheme to small and marginal farmers. It was introduced by the Life Insurance Corporation of India (LIC) to provide social security to help farmers all across India during their old age.

The main objective of PMKMY is to provide social security to farmers with minimal or no savings for old age.

What Are The Features Of PMKMY?

  • Provides a fixed pension of Rs. 3,000 per month to farmers after the age of 60.

  • It is a voluntary and contributory pension scheme.

  • The contribution depends on the age of the farmer while joining the scheme.

  • To exit the scheme due to death, either the spouse can continue the scheme or receive the amount with interest.

Benefits Given To Farmers Under PMKMY

  • Provides financial security and stability.

  • Encourages saving habits.

  • Reduces the financial burden.

Eligibility Criteria to Avail This Govt Schemes For Farmers 

  • Between the ages of 18 and 40 years.

  • Must own cultivable land up to two hectares.

  • Must not be covered under any other schemes.

  • Must not be an income taxpayer.

  • Should be an unorganised worker.

  • Monthly income should come up to Rs 15,000.

How Is The Monthly Contribution Calculated?

The farmer has to give a mandatory monthly contribution under PMKMY.

  • Any amount between Rs. 55 and Rs. 200 every month.

  • Should make monthly payments till age 60.

  • An equal amount will be matched while receiving the pension fund.

How To Apply For PMKMY?

Registration Process

  1. Visit the nearest Common Service Centre (CSC).

  2. Provide necessary documents.

  3. Get bank account details and allow auto-debit mandate for monthly contributions.

  4. Verify documents through OTP.

  5. Sign the enrollment form.

  6. A pension card will be generated.

  7. Sign the enrollment-cum-auto-debit-mandate form.


Overall, PMKMY aims to improve the livelihood of farmers all around India by ensuring a steady income post-retirement. It is a significant step taken by the government towards supporting the small and marginal farmers in India.

To read about the PMKMY guidelines in detail, click [here]( - Operational Guidelines.pdf).


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