PM Kisan Maan-Dhan: Rs 3,000 a month pension for small farmers, by the numbers (2026)

Start with five numbers, because they carry the whole scheme. Rs 3,000 is the monthly pension you can draw once you turn 60. Rs 55 is the smallest monthly contribution, the figure for a farmer who joins at 18. Rs 200 is the largest monthly contribution, for a farmer who joins at 40. 2 hectares is the land ceiling that decides whether you count as a small or marginal farmer. And 50 per cent, or Rs 1,500 a month, is the family pension your spouse keeps if you pass away after the pension has begun.

Hold those five figures in your head and the rest of PM Kisan Maan-Dhan Yojana falls into place. A farmer who puts in a modest amount each month for a few decades gets a fixed, lifelong income after 60, and the government quietly doubles every rupee along the way. That government match is the number people miss. Whatever you pay, the Union government pays the same into your pension account. Your Rs 55 becomes Rs 110 of saving each month. That is the deal, and the sections below explain who qualifies, how to join, and what to do when the paperwork stalls.

• Rs 3,000 a month after 60. This is a minimum assured pension. It starts on your 60th birthday and continues for life. The money is credited straight to your bank account.
• Rs 55 to Rs 200 a month while you contribute. The exact figure depends on the age at which you enrol. Younger entrants pay less because their money has more years to grow. A worked table sits further down this page.
• Equal government contribution. For every rupee you put in, the Union government puts in the same amount. This matching is automatic and is the reason a small monthly outgo builds a real pension.
• 2 hectares of cultivable land. Your holding across all plots must be within this ceiling on the state land records. Cross it and you fall outside the scheme.
• Rs 1,500 family pension for the spouse. If you die after the pension has started, your spouse receives half the pension, Rs 1,500 a month, for the rest of their life. The family pension is only for the spouse, not for children or other heirs.

The pension amount under PM Kisan Maan-Dhan Yojana is fixed at Rs 3,000 per month, and it begins on your 60th birthday — not before, not after. There is no gradation based on how much you contributed or how long you were in the scheme. Whether you joined at 18 paying Rs 55 a month or at 39 paying Rs 150 a month, the pension is the same Rs 3,000 a month for life once you cross 60.

The money is credited directly to your savings bank account through the Direct Benefit Transfer (DBT) pipeline. The Department of Financial Services oversees the DBT mechanism that routes the payment from the LIC-managed pension fund to your bank. The first credit usually arrives in the month you turn 60, and subsequent payments follow on a monthly cycle.

Key facts about the pension payout:

• The pension is paid for life — there is no fixed number of years or a cap on total payout.
• The Rs 3,000 is the minimum assured amount. If the fund's investment returns exceed expectations, the pension could theoretically be higher, but in practice the scheme operates at the Rs 3,000 floor.
• The pension is not inflation-indexed. Rs 3,000 today will not be adjusted upward for inflation in future years under the current scheme rules.
• You must keep your bank account active and your Aadhaar-bank linking current. A lapsed linkage can suspend the credit. Check your Aadhaar-bank seeding status if a payment is missing.
• The pension is treated as income from other sources for tax purposes. However, most small and marginal farmers fall below the taxable income threshold, so it is effectively tax-free in practice.

If your pension credit is delayed after you have turned 60, the steps in the RTI section further down this page apply directly. You can also read our comprehensive pension not credited — what to do guide.

The scheme is built for the farmer who owns little land and has no formal pension waiting. Read each line against your own situation.

• Small or marginal farmer. Your cultivable landholding must be up to 2 hectares as recorded in the state land records. You can verify your land holding through the state land records portal directory.
• Age 18 to 40 at entry. You must join within this window. The contribution years are what fund the pension, so the door closes at 40.
• A savings bank account and an Aadhaar number. Both are needed for the auto-debit and for verifying your identity.
• Not already covered elsewhere. You are outside the scheme if you are enrolled under another statutory social security cover such as EPFO, ESIC, or the National Pension System, or if you have opted into a higher pension scheme.

Some groups are kept out by design because they are considered better off. These include institutional landholders, people who hold or have held constitutional posts, serving and retired government employees, income tax payers of the last assessment year, and professionals such as doctors, engineers, lawyers, chartered accountants, and architects who practise. If any of these fit you, check the latest official rule before you apply, because enrolling when excluded can lead to your contributions being refunded and the account closed.

The monthly contribution under PM Kisan Maan-Dhan rises with your age at enrolment, because a later start leaves fewer years for the corpus to grow. The government matches whatever you pay, rupee for rupee. Below is the representative contribution chart for key entry ages. For the exact figure for every single year of age, always refer to the official chart on pmkmy.gov.in before enrolling.

For comparison, the Atal Pension Yojana starts at Rs 42 per month for an 18-year-old for a Rs 1,000 pension, but APY offers pension slabs of Rs 1,000 to Rs 5,000 — PM Kisan Maan-Dhan offers a flat Rs 3,000. The trade-off is covered in the comparison table further down.

Picture a marginal farmer in a village who tills a little over one hectare. He is 30 and has never had a pension. Old age worries him, because his land yields enough to eat but almost nothing to save. Before this scheme, his plan for 60 was to keep working the field until his body gave out, then depend on his children.

Now picture the same farmer after he joins Kisan Maan-Dhan at 30. His age band puts his contribution at roughly the middle of the Rs 55 to Rs 200 range. He agrees to let the amount come out of his PM-KISAN instalment, so he never has to arrange the cash himself. The government matches every payment. Thirty years later, on his 60th birthday, a fixed Rs 3,000 a month begins landing in his account, month after month, for as long as he lives. If he passes on, his wife keeps Rs 1,500 a month. The field is no longer his only pension. That shift, from hoping to knowing, is what the scheme is meant to buy.

Many small farmers already receive PM-KISAN Samman Nidhi, the Rs 6,000 a year income support paid in three instalments. Kisan Maan-Dhan lets you route your pension contribution out of that PM-KISAN money instead of paying separately. You give a one-time written consent, and the contribution is deducted from your PM-KISAN benefit before it reaches you. For a farmer with tight cash flow this removes the hardest part of any savings plan, which is remembering to set money aside every month. The saving happens on its own, and the government match still applies on top.

If you are not yet a PM-KISAN beneficiary, read the PM-KISAN application guide for 2026 and the PM-KISAN Samman Nidhi scheme page to understand how to register first. You can also check your PM-KISAN instalment status to see whether your payments are flowing.

The monthly contribution rises with the age at which you enrol, because a later start leaves fewer years to build the corpus. The two anchor figures are fixed and official.

For any age between 18 and 40, the exact rupee figure comes from the official contribution chart, which the enrolment operator will show you before you sign. Always confirm your own number on the official portal rather than assuming, because the chart sets a different amount for each single year of age.

If you are a small farmer wondering whether PM Kisan Maan-Dhan is the right choice, the quickest way to decide is to compare it against the other schemes you might also be eligible for. The table below maps PMKMY against three major alternatives.

For a broader view of all central farmer support schemes, see the farmer and agriculture schemes directory.

1. Go to your nearest Common Service Centre. Enrolment for Kisan Maan-Dhan runs through CSC operators. Carry your Aadhaar and your bank passbook.
2. Let the operator verify your details. Your Aadhaar, age, bank account, and land record are checked against the scheme rules.
3. Choose how to pay. Decide whether the contribution comes by auto-debit from your bank account or as a deduction from your PM-KISAN instalment, then give the consent.
4. Confirm your monthly amount. The system shows the exact contribution for your age from the official chart. Check it and approve.
5. Collect your pension card and number. You get a Kisan Maan-Dhan card and a unique account number. Keep both safe, because you will quote the number for any future query.

There is no fee to enrol. The Life Insurance Corporation manages the pension fund and pays out the pension when you turn 60.

If your Aadhaar details are outdated, visit our Aadhaar update status guide before starting enrolment, because mismatched details between Aadhaar and bank records are the most common cause of rejection.

Once you have enrolled, tracking your pension account and contribution history is important — especially to confirm that your monthly contributions and the government's matching share are both being deposited on schedule.

Three ways to check your status:

1. Visit the official portal: Log on to pmkmy.gov.in and enter your mobile number or pension account number to view your contribution history, government match status, and fund balance.
2. Visit a CSC operator: Bring your Kisan Maan-Dhan card and Aadhaar. The operator can pull up your full contribution record and print a statement.
3. Contact the LIC pension desk: Since LIC manages the fund, a call to your nearest LIC office with your pension account number can confirm whether contributions are landing in your account.

What to look for when checking:

You can also cross-reference with your PM-KISAN instalment status to confirm whether the PM-KISAN deduction route is working.

This is one of the most important questions a farmer asks before enrolling, and the answer differs depending on when the death occurs.

If the subscriber dies before reaching age 60 (during the contribution phase):

• The spouse has the option to continue the scheme by paying the remaining contributions. The spouse takes over the account, pays the same monthly amount until age 60, and then receives the Rs 3,000 pension.
• If the spouse does not wish to continue, the subscriber's own contributions (with interest earned by the fund) are refunded to the nominee or legal heir. The government's matching share is not refunded in this scenario.
• If there is no spouse and no nominee, the contributions are refunded to the legal heirs as per the scheme's exit rules.

If the subscriber dies after the pension has started (after age 60):

• The spouse receives a family pension of Rs 1,500 per month (50 per cent of the pension) for the rest of their life.
• The family pension is only for the spouse — not for children, parents, or other heirs.
• If both the subscriber and the spouse have passed away, no further benefits are payable and the account is closed.

If the subscriber dies after enrolment but the spouse is also a farmer:

• The spouse can choose to either continue the deceased's account or open a new one in their own name — but not both. One Maan-Dhan pension per person is the rule.

For more on pension nomination and death claims under related schemes, see Atal Pension Yojana death claim process and our family pension after husband's death guide.

Yes — and this is one of the great strengths of the scheme architecture. PM Kisan Maan-Dhan is a pension scheme, not an income-support or insurance scheme, so it stacks cleanly with most other farmer-facing central schemes. Here is how they interact:

• Your land is above 2 hectares. You do not qualify for this scheme. Look instead at general pension options such as the Atal Pension Yojana or the National Pension System.
• You are already an EPFO or ESIC member. Active membership of another statutory scheme keeps you out. Check your status before you enrol so your money is not refunded later.
• The auto-debit fails. This usually means your Aadhaar and bank account are not linked, or the balance is short. Fix the linking at your bank branch and keep the account funded around the debit date. See the auto-debit troubleshooting section below.
• You want to exit early. If you leave before 60, you receive your own contributions back with the interest earned by the fund, under the conditions set in the scheme rules. Confirm the current exit terms on the official portal before you decide.

A failed auto-debit is the single most common reason a PM Kisan Maan-Dhan account slips into inactive status. If your monthly contribution does not go through, the government's matching share also stops, and gaps in your contribution history can delay or reduce your eventual pension.

Common causes and fixes:

If your PM-KISAN instalment itself is delayed, which in turn delays your Maan-Dhan contribution, read our RTI for PM-KISAN instalment delay guide or the broader RTI for rural citizens resource.

You may have heard of Pradhan Mantri Shram Yogi Maan-Dhan, or PM-SYM. The two schemes look identical on paper. Both pay Rs 3,000 a month after 60, both take a monthly contribution between Rs 55 and Rs 200 by age, both match your money rupee for rupee, and both give the spouse a 50 per cent family pension. The difference is who they are for and how you pay.

PM-SYM is for unorganised workers such as street vendors, rickshaw pullers, and home-based workers who earn up to Rs 15,000 a month. Kisan Maan-Dhan is for small and marginal farmers, defined by the 2 hectare land ceiling rather than by a monthly wage. The other real difference is the payment route. Only Kisan Maan-Dhan lets you fund the contribution straight from your PM-KISAN instalment, which no other Maan-Dhan scheme offers. You cannot hold both a farmer and a worker Maan-Dhan pension at the same time, so pick the one that matches your work. Read the companion guide on PM Shram Yogi Maan-Dhan for unorganised workers or the standalone PM-SYM pension guide if the worker route fits you better. The employment and labour schemes directory lists additional worker welfare options.

If your Kisan Maan-Dhan enrolment, card, contribution record, or first pension credit is stuck and calls to the CSC or helpline lead nowhere, a written Right to Information request usually moves the file. The public authority then has to give you a status and a reason in writing within the statutory 30-day timeline. For pension-related queries, the CIC has held that the response should come even faster — see our analysis of RTI disclosure of pension records within 48 hours.

When to file an RTI for PM Kisan Maan-Dhan:

• Your enrolment has been pending for more than 30 days with no communication
• Contributions are being debited but the government match is not showing for 3+ months
• Your pension has not started despite you having turned 60 more than 30 days ago
• Your account was marked “Rejected” or “Inactive” and you were not given a reason in writing
• Your spouse's family pension claim is stuck after your family member's death

Where to file:

The Public Information Officer (PIO) is at the Department of Agriculture and Farmers Welfare, Ministry of Agriculture and Farmers Welfare, Krishi Bhavan, New Delhi. You can also file online through RTI Online (rtionline.gov.in).

Draft RTI application for PM Kisan Maan-Dhan delay:

Subject: Request for information under Section 6(1) of the RTI Act, 2005
regarding PM Kisan Maan-Dhan Yojana (PMKMY) account

To: Central Public Information Officer
Department of Agriculture and Farmers Welfare
Ministry of Agriculture and Farmers Welfare
Krishi Bhavan, New Delhi - 110001

Sir/Madam,

I hereby request the following information under the RTI Act, 2005:

1. The current status of my PM Kisan Maan-Dhan account
   No. [your account number], enrolled on [date] at [CSC location].

2. The total contributions credited to my account to date, including
   both my share and the government's matching share.

3. Whether any auto-debit failures have been recorded against my
   account, and if so, the dates and reasons for each failure.

4. The name and designation of the officer currently handling my
   pension account.

5. The expected date on which my Rs 3,000 monthly pension will
   commence (or the reason for any delay beyond my 60th birthday
   on [date]).

6. A certified copy of the contribution ledger for my account
   from the date of enrolment to date.

Application fee of Rs 10 is paid herewith. I am an applicant
belonging to [BPL / general] category.

If your Kisan Maan-Dhan enrolment, card, or first pension credit is stuck and calls to the CSC or helpline lead nowhere, a written Right to Information request usually moves the file. The public authority then has to give you a status and a reason in writing within the statutory timeline. Ask narrow questions about your application number, the officer handling it, and the reason for the delay.

• Draft it in minutes: AI RTI Drafter
• Full filing and appeal process: The RTI Playbook

PM Kisan Maan-Dhan Yojana was launched in September 2019 by the Union government led by Prime Minister Narendra Modi, as a pension safety net for the smallest farmers who fall outside every formal retirement scheme. It runs under the Ministry of Agriculture and Farmers Welfare (agricoop.gov.in), with the Life Insurance Corporation (LIC) as the pension fund manager. The scheme was announced alongside the expansion of PM-KISAN Samman Nidhi and was designed to plug the gap between income support (PM-KISAN) and long-term retirement security. The Press Information Bureau (pib.gov.in) carried the original launch notification, and the scheme is listed on the national portal india.gov.in alongside all central welfare programmes.

You can see it beside every other central and state welfare scheme on the All Modi-era Sarkari Yojana index 2014 to 2026 and in the pension guides directory.

A minimum assured Rs 3,000 a month once you turn 60, credited to your bank account for life. The amount is fixed regardless of the age at which you joined or how much you contributed monthly.

No. The scheme is only for small and marginal farmers with cultivable land up to 2 hectares. Larger farmers can look at the Atal Pension Yojana or the National Pension System instead.

Not if you do not want to. You can let it come out of your PM-KISAN instalment through a one-time consent, so no separate payment is needed. This is a feature unique to Kisan Maan-Dhan — no other Maan-Dhan scheme offers it.

Yes. For every rupee you contribute, the Union government contributes the same amount into your pension account. If you pay Rs 55, the government pays Rs 55, making Rs 110 total per month into your fund.

If you die after the pension has started, your spouse receives 50 per cent of your pension, which is Rs 1,500 a month, for life. The family pension is only for the spouse. If you die before age 60, your spouse can choose to continue the scheme and receive the full Rs 3,000 pension at 60, or your own contributions (with interest) are refunded to your nominee.

You get your own contributions back with the interest the fund has earned, under the exit conditions in the scheme rules. The government's matching share is not refunded in a voluntary exit. Confirm the current terms on the official portal before deciding.

No. Both are statutory pension schemes and you cannot hold both simultaneously. You must choose one. PM Kisan Maan-Dhan offers a flat Rs 3,000 pension for farmers; Atal Pension Yojana offers slabs from Rs 1,000 to Rs 5,000 for all citizens.

No, but you are at the upper age limit. The scheme accepts entrants aged 18 to 40. At 39, your monthly contribution will be near the top of the range (around Rs 150). You will have about 21 years of contributions before the pension starts at 60.

If auto-debit fails for 1–2 months due to insufficient balance, you can usually resume by ensuring funds are available. If contributions are missed for an extended period, your account may be marked inactive. Visit your CSC operator to reactivate and check whether arrears need to be paid.

The pension is classified as income and is technically taxable. However, most small and marginal farmers have total annual income well below the Rs 3 lakh (old regime) or Rs 7 lakh (new regime) exemption threshold, so the pension is effectively tax-free in practice. Consult a tax adviser for your specific situation.

Typically 15–30 minutes if your documents (Aadhaar, bank passbook, land record) are in order and the systems are online. If Aadhaar verification fails or land records are not digitised, it may take longer or require a follow-up visit.

Yes. Visit pmkmy.gov.in and enter your mobile number or pension account number to view your contribution history, government match, and fund balance. You can also ask a CSC operator to print a statement.

• PM-KISAN Samman Nidhi income support for farmers
• PM Shram Yogi Maan-Dhan pension for unorganised workers
• PM-SYM standalone pension guide
• Kisan Credit Card for crop and farm loans
• PM Fasal Bima Yojana crop insurance
• Atal Pension Yojana for a guaranteed old-age income
• How to apply for Atal Pension Yojana 2026
• National Pension System for long-term retirement saving
• Soil Health Card for better farm yields
• e-Shram card for unorganised workers
• MGNREGA job card for rural employment
• All Modi-era Sarkari Yojanas 2014 to 2026
• All farmer and agriculture schemes directory
• Employment and labour schemes directory
• Pension guides directory
• Old Pension Scheme vs NPS comparison

• Ministry of Agriculture and Farmers Welfare, PM Kisan Maan-Dhan Yojana: pmkmy.gov.in
• PMKMY scheme page, contribution chart and eligibility: pmkmy.gov.in/scheme/pmkmy
• National Food Security and Agriculture portal, scheme details: nfwpis.da.gov.in
• Maandhan portal, PM-SYM and Maan-Dhan scheme overview: maandhan.in
• Press Information Bureau, PM Kisan Maan-Dhan launch and updates: pib.gov.in
• National portal of India, central welfare schemes listing: india.gov.in
• Ministry of Agriculture and Farmers Welfare, departmental portal: agricoop.gov.in
• Department of Financial Services, DBT and financial inclusion: financialservices.gov.in
• RTI Online, file RTI for pension and scheme delays: rtionline.gov.in
• Scheme operational note: contribution Rs 55 to 200 and equal government match, Rs 1,500 spouse family pension, LIC as fund manager

Last reviewed: 10 July 2026.