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—yojana:pm-kisan-maandhan [2026/07/10 18:01] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>
 +metatag-keywords=(pm kisan maandhan, kisan maandhan pension, farmer pension scheme, pmkmy, small farmer pension 3000, pm-kmy, pm kisan maandhan contribution chart, pmkmy vs atal pension, pmkmy vs pm-sym, kisan maandhan eligibility, kisan maandhan enrolment, farmer pension rti, pmkmy status check, pmkmy auto-debit failed, kisan maandhan spouse pension, pmkmy exit rules, pmkmy contribution by age)
 +metatag-description=(PM Kisan Maan-Dhan Yojana (PMKMY): Rs 3,000 monthly pension for small and marginal farmers after age 60. Full contribution chart by age, eligibility, enrolment steps, comparison with PM-SYM and Atal Pension, RTI help for delays. Updated July 2026.)
 +metatag-og:title=(PM Kisan Maan-Dhan Yojana 2026: Rs 3,000 Farmer Pension — Full Guide)
 +metatag-og:description=(Complete guide to PM Kisan Maan-Dhan: contribution chart by age, eligibility, enrolment at CSC, pension comparison table, auto-debit troubleshooting, RTI for delays. Updated July 2026.)
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 +metatag-robots=(index,follow)
 +}}
  
 +====== PM Kisan Maan-Dhan: Rs 3,000 a month pension for small farmers, by the numbers (2026) ======
 +
 +{{:social:auto:yojana-pm-kisan-maandhan.png?direct&1200 |PM Kisan Maan-Dhan pension Rs 3,000 a month for small farmers 2026, RTI Wiki}}
 +
 +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.
 +
 +<WRAP info>
 +**PM Kisan Maan-Dhan gives a monthly pension of Rs 3,000 after age 60 to small and marginal farmers. You contribute Rs 55 to Rs 200 a month by age, and the government matches it rupee for rupee.**
 +
 +**Launched:** 2019  ·  **Issued by:** Ministry of Agriculture and Farmers Welfare  ·  **Fund Manager:** Life Insurance Corporation (LIC)
 +</WRAP>
 +
 +<WRAP emround box 80%>
 +**About this article — Expertise, Experience, Authoritativeness, Trust (E-E-A-T)**
 +
 +^ Field | Detail |
 +| **Reviewed by** | Dr. Shrawan Kumar Pathak, RTI Wiki editorial team |
 +| **Expertise** | Indian government welfare pension schemes, DBT payment systems, farmer support programmes |
 +| **Sources** | pmkmy.gov.in, pib.gov.in, india.gov.in, agricoop.gov.in, financialservices.gov.in, Ministry of Agriculture and Farmers Welfare notifications, LIC fund management reports |
 +| **Last verified** | 10 July 2026 |
 +| **Accuracy note** | Contribution amounts and eligibility cross-checked against the official PMKMY portal ([[https://pmkmy.gov.in|pmkmy.gov.in]]). Always confirm your personal contribution and status on the official portal before acting. |
 +</WRAP>
 +
 +===== The five numbers, one at a time =====
 +
 +  * **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.
 +
 +===== How much pension will I actually receive and when does it start? =====
 +
 +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 [[https://financialservices.gov.in|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 [[check-status:aadhaar-bank-seeding-status|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|pension not credited — what to do]] guide.
 +
 +===== Who is eligible =====
 +
 +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 [[land-records:start|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.
 +
 +===== What is the full age-wise contribution chart for PM Kisan Maan-Dhan? =====
 +
 +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 [[https://pmkmy.gov.in/scheme/pmkmy|pmkmy.gov.in]] before enrolling.
 +
 +^ Entry Age ^ Your Monthly Contribution ^ Government Matches ^ Total Monthly Into Fund ^
 +| 18 years | Rs 55 | Rs 55 | Rs 110 |
 +| 20 years | Rs 62 | Rs 62 | Rs 124 |
 +| 25 years | Rs 80 | Rs 80 | Rs 160 |
 +| 29 years | Rs 100 | Rs 100 | Rs 200 |
 +| 30 years | Rs 110 | Rs 110 | Rs 220 |
 +| 35 years | Rs 130 | Rs 130 | Rs 260 |
 +| 40 years | Rs 200 | Rs 200 | Rs 400 |
 +
 +<WRAP tip>
 +**Note:** These are representative figures based on the official scheme chart. The exact contribution for each single year of age is set by the scheme rules and confirmed by the CSC operator at the time of enrolment. Verify your amount on [[https://pmkmy.gov.in|pmkmy.gov.in]] before signing.
 +</WRAP>
 +
 +For comparison, the [[yojana:atal-pension-yojana|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.
 +
 +===== A before and after, so the money feels real =====
 +
 +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.
 +
 +===== The clever part: pay from your PM-KISAN instalment =====
 +
 +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 [[apply-pm-kisan-samman-nidhi-2026|PM-KISAN application guide for 2026]] and the [[yojana:pm-kisan-samman-nidhi|PM-KISAN Samman Nidhi scheme page]] to understand how to register first. You can also check your [[pm-kisan-status-check-2026|PM-KISAN instalment status]] to see whether your payments are flowing.
 +
 +===== How much you pay, by joining age =====
 +
 +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.
 +
 +^ Age at entry ^ Your monthly contribution ^ Government adds ^
 +| 18 years | Rs 55 | Rs 55 |
 +| 30 years (mid band) | between Rs 55 and Rs 200 | equal amount |
 +| 40 years | Rs 200 | Rs 200 |
 +
 +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 [[https://pmkmy.gov.in/scheme/pmkmy|official portal]] rather than assuming, because the chart sets a different amount for each single year of age.
 +
 +===== How does PM Kisan Maan-Dhan compare with other pension and farmer schemes? =====
 +
 +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.
 +
 +^ Feature ^ PM Kisan Maan-Dhan (PMKMY) ^ PM-SYM (Shram Yogi) ^ Atal Pension Yojana (APY) ^ PM-KISAN Samman Nidhi ^
 +| **Who is it for?** | Small/marginal farmers (≤2 ha) | Unorganised workers (≤Rs 15,000/month income) | All citizens 18–40 | All farmer families with cultivable land |
 +| **Pension amount** | Rs 3,000/month (fixed) | Rs 3,000/month (fixed) | Rs 1,000 to Rs 5,000/month (slabs) | Not a pension — Rs 6,000/year income support |
 +| **Contribution range** | Rs 55–200/month by age | Rs 55–200/month by age | Rs 42–1,454/month by age and slab | Zero (government pays) |
 +| **Government match** | Equal to your contribution | Equal to your contribution | Equal to your contribution (or 50% for non-tax payers after 2025) | 100% |
 +| **Pension starts at** | Age 60 | Age 60 | Age 60 | N/A (paid during working years) |
 +| **Spouse pension after death?** | Rs 1,500/month for life | Rs 1,500/month for life | Spouse continues in same slab | No |
 +| **Can pay from PM-KISAN?** | Yes (unique feature) | No | No | N/A |
 +| **Fund manager** | LIC | LIC | PFRDA-regulated fund managers | Direct DBT |
 +| **Can exit before 60?** | Own contributions + interest returned | Own contributions + interest returned | Exit at 60 only (premature in special cases) | N/A |
 +
 +<WRAP tip>
 +**Key takeaway:** If you are a small farmer, PM Kisan Maan-Dhan is purpose-built for you and offers the convenience of paying from your PM-KISAN instalment. If your land exceeds 2 hectares, [[yojana:atal-pension-yojana|Atal Pension Yojana]] is the closest alternative with flexible pension slabs. If you are an unorganised worker (not a farmer), [[yojana:pmsym-shram-yogi|PM-SYM]] is your equivalent. You can also read our [[old-pension-scheme-vs-nps-comparison-india|Old Pension Scheme vs NPS comparison]] to understand how these differ from government employee pensions.
 +</WRAP>
 +
 +For a broader view of all central farmer support schemes, see the [[farmer-agriculture-schemes-india|farmer and agriculture schemes directory]].
 +
 +===== How to enrol, step by step =====
 +
 +  - **Go to your nearest Common Service Centre.** Enrolment for Kisan Maan-Dhan runs through CSC operators. Carry your Aadhaar and your bank passbook.
 +  - **Let the operator verify your details.** Your Aadhaar, age, bank account, and land record are checked against the scheme rules.
 +  - **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.
 +  - **Confirm your monthly amount.** The system shows the exact contribution for your age from the official chart. Check it and approve.
 +  - **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.
 +
 +===== Documents you need =====
 +
 +^ Document ^ Why it is needed ^
 +| Aadhaar | Identity and e-KYC |
 +| Savings bank account or Jan Dhan account | For auto-debit and for the pension credit |
 +| Land record within 2 hectares | To confirm small or marginal farmer status — check via [[land-records:start|state land records portals]] |
 +| Mobile number | For confirmation and updates |
 +
 +If your Aadhaar details are outdated, visit our [[aadhaar-update-status-check-2026|Aadhaar update status guide]] before starting enrolment, because mismatched details between Aadhaar and bank records are the most common cause of rejection.
 +
 +===== How to check your PM Kisan Maan-Dhan pension status and contribution balance? =====
 +
 +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:**
 +
 +  - **Visit the official portal:** Log on to [[https://pmkmy.gov.in|pmkmy.gov.in]] and enter your mobile number or pension account number to view your contribution history, government match status, and fund balance.
 +  - **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.
 +  - **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:**
 +
 +| What to check | Why it matters | Where to look |
 +| Your contribution debit date | Confirms auto-debit is running | Bank statement |
 +| Government matching credit | Confirms the Centre's share is landing | Portal or CSC statement |
 +| Total accumulated balance | Shows how much has been built up so far | Portal fund summary |
 +| Pension account status | Should show "Active" | Portal home screen |
 +
 +<WRAP tip>
 +If the portal shows your status as **"Inactive"** or your contributions show gaps, the auto-debit may have failed. Read the section on auto-debit troubleshooting below, or check whether your [[check-status:aadhaar-bank-seeding-status|Aadhaar-bank seeding]] is intact.
 +</WRAP>
 +
 +You can also cross-reference with your [[pm-kisan-installment-status-2026|PM-KISAN instalment status]] to confirm whether the PM-KISAN deduction route is working.
 +
 +===== What happens if the subscriber dies before or after the pension starts? =====
 +
 +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-spouse-nominee-process|Atal Pension Yojana death claim process]] and our [[family-pension-after-husband-death-india|family pension after husband's death]] guide.
 +
 +===== Can a PM Kisan Maan-Dhan subscriber also get PM-KISAN, KCC, crop insurance, or other schemes? =====
 +
 +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:
 +
 +| Scheme | Can you hold both? | Notes |
 +| **PM-KISAN Samman Nidhi** | Yes | This is the preferred combination — your Kisan Maan-Dhan contribution can be deducted directly from your PM-KISAN instalment. See [[yojana:pm-kisan-samman-nidhi|PM-KISAN scheme page]]. |
 +| **Kisan Credit Card (KCC)** | Yes | KCC is a credit facility; it does not conflict with PMKMY. See [[yojana:kisan-credit-card|Kisan Credit Card guide]]. |
 +| **PM Fasal Bima Yojana (PMFBY)** | Yes | Crop insurance is separate from pension. See [[yojana:pmfby-fasal-bima|PMFBY guide]]. |
 +| **Atal Pension Yojana (APY)** | No — only one Maan-Dhan-type scheme | APY is a different statutory pension; holding both PMKMY and APY simultaneously is not permitted. Choose one. |
 +| **PM-SYM (Shram Yogi Maan-Dhan)** | No | You cannot hold both a farmer Maan-Dhan and a worker Maan-Dhan at the same time. |
 +| **Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)** | Yes | PMJJBY is life insurance, not pension — no conflict. |
 +| **Pradhan Mantri Suraksha Bima Yojana (PMSBY)** | Yes | Accident insurance; stacks freely. |
 +| **e-Shram card** | Yes | e-Shram is a registration database, not a scheme that pays benefits. See [[yojana:eshram-card|e-Shram card guide]]. |
 +| **MGNREGA job card** | Yes | MGNREGA is wage employment; no pension conflict. See [[yojana:mgnrega-job-card|MGNREGA job card guide]]. |
 +
 +<WRAP info>
 +**Simple rule:** You can hold PM Kisan Maan-Dhan alongside any income-support, credit, insurance, or wage scheme. You cannot hold it alongside another statutory pension scheme (APY, PM-SYM, EPFO, NPS, or EPS). If in doubt, check with the CSC operator before enrolling.
 +</WRAP>
 +
 +===== Common problems and how to fix them =====
 +
 +  * **Your land is above 2 hectares.** You do not qualify for this scheme. Look instead at general pension options such as the [[yojana:atal-pension-yojana|Atal Pension Yojana]] or the [[yojana:nps-pension|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 [[https://pmkmy.gov.in|official portal]] before you decide.
 +
 +===== What to do if your contribution auto-debit fails or bounces? =====
 +
 +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:**
 +
 +| Problem | Likely cause | What to do |
 +| Auto-debit returned | Insufficient balance on debit date | Maintain a minimum balance; align debit date with PM-KISAN credit or salary date |
 +| Aadhaar-bank linking broken | Bank changed or account closed | Re-link Aadhaar to the new account at your bank; update on [[https://pmkmy.gov.in|pmkmy.gov.in]] |
 +| PM-KISAN instalment not arriving | PM-KISAN eligibility or e-KYC issue | Check [[pm-kisan-installment-status-2026|PM-KISAN instalment status]]; complete e-KYC |
 +| Contribution deducted but not showing | System sync delay at LIC or bank | Wait 5–7 working days; if still missing, visit CSC with bank statement |
 +| Account shows "Inactive" | 3+ consecutive missed debits | Visit CSC to reactivate; pay any arrears if required |
 +
 +<WRAP tip>
 +**Pro tip:** If your contribution is set to auto-debit from your bank account (not the PM-KISAN route), set a monthly reminder to keep at least Rs 250 in the account around the debit date. The most common failure is simply an empty account on the wrong day.
 +</WRAP>
 +
 +If your PM-KISAN instalment itself is delayed, which in turn delays your Maan-Dhan contribution, read our [[rti-for-pmkisan-installment|RTI for PM-KISAN instalment delay]] guide or the broader [[rti-for-rural-citizens|RTI for rural citizens]] resource.
 +
 +===== How it differs from PM-SYM, its near twin =====
 +
 +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 [[yojana:pmsym-shram-yogi|PM Shram Yogi Maan-Dhan for unorganised workers]] or the standalone [[pm-shram-yogi-maandhan-pmsym-pension|PM-SYM pension guide]] if the worker route fits you better. The [[employment-labour-schemes-india|employment and labour schemes directory]] lists additional worker welfare options.
 +
 +===== How to file RTI for PM Kisan Maan-Dhan pension delay or rejection =====
 +
 +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 [[blog:rti-relating-to-pension-to-be-disclosed-within-48-hours|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 [[https://rtionline.gov.in|RTI Online]] (rtionline.gov.in).
 +
 +**Draft RTI application for PM Kisan Maan-Dhan delay:**
 +
 +<code>
 +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.
 +</code>
 +
 +<WRAP round box 95%>
 +**After you file:**
 +
 +  * The PIO must respond within **30 days** (48 hours if the matter concerns life or liberty — some CIC orders treat pension delays as falling within this).
 +  * If the response is unsatisfactory or absent, file a **First Appeal under Section 19(1)** within 30 days of the response deadline.
 +  * If the First Appeal is also ignored, escalate to the **Central Information Commission**.
 +
 +**Tools and guides:**
 +
 +  * **Draft an RTI in minutes:** [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]
 +  * **Full filing and appeal process:** [[https://righttoinformation.wiki/book|The RTI Playbook]]
 +  * **RTI for pension delays (comprehensive):** [[rti-for-pension-delay|RTI for pension delay guide]]
 +  * **RTI for PM-KISAN instalment issues:** [[rti-for-pmkisan-installment|RTI for PM-KISAN instalment delay]]
 +  * **RTI for rural citizens (broader guide):** [[rti-for-rural-citizens|RTI for rural citizens]]
 +  * **RTI for senior citizens (pension-related):** [[rti-for-senior-citizens|RTI for senior citizens]]
 +  * **How to write an effective RTI:** [[write-effective-rti-application-2026|Write an effective RTI application]]
 +</WRAP>
 +
 +===== Benefit delayed or application stuck? File an RTI =====
 +
 +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:** [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]
 +  * **Full filing and appeal process:** [[https://righttoinformation.wiki/book|The RTI Playbook]]
 +
 +===== Where this scheme came from =====
 +
 +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** ([[@https://agricoop.gov.in|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 [[https://pib.gov.in|Press Information Bureau (pib.gov.in)]] carried the original launch notification, and the scheme is listed on the [[https://india.gov.in|national portal india.gov.in]] alongside all central welfare programmes.
 +
 +You can see it beside every other central and state welfare scheme on the [[yojana:start|All Modi-era Sarkari Yojana index 2014 to 2026]] and in the [[pension:start|pension guides directory]].
 +
 +===== Frequently asked questions =====
 +
 +==== How much pension will I get? ====
 +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.
 +
 +==== My land is more than 2 hectares. Can I still join? ====
 +No. The scheme is only for small and marginal farmers with cultivable land up to 2 hectares. Larger farmers can look at the [[yojana:atal-pension-yojana|Atal Pension Yojana]] or the [[yojana:nps-pension|National Pension System]] instead.
 +
 +==== Do I have to pay the contribution myself every month? ====
 +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.
 +
 +==== Does the government truly match my money? ====
 +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.
 +
 +==== What does my spouse get if I die? ====
 +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.
 +
 +==== What if I want to leave before 60? ====
 +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 [[https://pmkmy.gov.in|official portal]] before deciding.
 +
 +==== Can I enrol in both PM Kisan Maan-Dhan and Atal Pension Yojana? ====
 +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; [[yojana:atal-pension-yojana|Atal Pension Yojana]] offers slabs from Rs 1,000 to Rs 5,000 for all citizens.
 +
 +==== I am 39 years old. Is it too late to join? ====
 +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.
 +
 +==== What happens if I miss a few monthly contributions? ====
 +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.
 +
 +==== Is the Rs 3,000 pension taxable? ====
 +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.
 +
 +==== How long does enrolment take at the CSC? ====
 +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.
 +
 +==== Can I check my Kisan Maan-Dhan balance online? ====
 +Yes. Visit [[https://pmkmy.gov.in|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.
 +
 +===== Summary and next step =====
 +
 +<WRAP center round tip 90%>
 +**Bottom line:** Rs 3,000 a month after 60 for small farmers, built from a Rs 55 to Rs 200 monthly contribution that the government matches. You can pay it from your PM-KISAN instalment. Enrol at a Common Service Centre. If your card or pension is stuck, an RTI usually clears it.
 +
 +  * **Enrol:** at your nearest Common Service Centre with Aadhaar and bank passbook
 +  * **Check status:** on [[https://pmkmy.gov.in|pmkmy.gov.in]] with your pension account number
 +  * **If delayed, draft an RTI:** [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]
 +  * **All government schemes:** [[yojana:start|Sarkari Yojana index]]
 +</WRAP>
 +
 +===== Related schemes =====
 +  * [[yojana:pm-kisan-samman-nidhi|PM-KISAN Samman Nidhi income support for farmers]]
 +  * [[yojana:pmsym-shram-yogi|PM Shram Yogi Maan-Dhan pension for unorganised workers]]
 +  * [[pm-shram-yogi-maandhan-pmsym-pension|PM-SYM standalone pension guide]]
 +  * [[yojana:kisan-credit-card|Kisan Credit Card for crop and farm loans]]
 +  * [[yojana:pmfby-fasal-bima|PM Fasal Bima Yojana crop insurance]]
 +  * [[yojana:atal-pension-yojana|Atal Pension Yojana for a guaranteed old-age income]]
 +  * [[apply-atal-pension-yojana-2026|How to apply for Atal Pension Yojana 2026]]
 +  * [[yojana:nps-pension|National Pension System for long-term retirement saving]]
 +  * [[yojana:soil-health-card|Soil Health Card for better farm yields]]
 +  * [[yojana:eshram-card|e-Shram card for unorganised workers]]
 +  * [[yojana:mgnrega-job-card|MGNREGA job card for rural employment]]
 +  * [[yojana:start|All Modi-era Sarkari Yojanas 2014 to 2026]]
 +  * [[farmer-agriculture-schemes-india|All farmer and agriculture schemes directory]]
 +  * [[employment-labour-schemes-india|Employment and labour schemes directory]]
 +  * [[pension:start|Pension guides directory]]
 +  * [[old-pension-scheme-vs-nps-comparison-india|Old Pension Scheme vs NPS comparison]]
 +
 +===== Sources =====
 +  * Ministry of Agriculture and Farmers Welfare, PM Kisan Maan-Dhan Yojana: [[https://pmkmy.gov.in|pmkmy.gov.in]]
 +  * PMKMY scheme page, contribution chart and eligibility: [[https://pmkmy.gov.in/scheme/pmkmy|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: [[https://maandhan.in|maandhan.in]]
 +  * Press Information Bureau, PM Kisan Maan-Dhan launch and updates: [[https://pib.gov.in|pib.gov.in]]
 +  * National portal of India, central welfare schemes listing: [[https://india.gov.in|india.gov.in]]
 +  * Ministry of Agriculture and Farmers Welfare, departmental portal: [[https://agricoop.gov.in|agricoop.gov.in]]
 +  * Department of Financial Services, DBT and financial inclusion: [[https://financialservices.gov.in|financialservices.gov.in]]
 +  * RTI Online, file RTI for pension and scheme delays: [[https://rtionline.gov.in|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.//
 +
 +{{tag>yojana sarkari-yojana pm-kisan-maandhan farmer-pension pmkmy kisan-maandhan-yojana pension-scheme small-farmer marginal-farmer contribution-chart pension-comparison auto-debit spouse-pension rti-for-pension csc-enrolment dbt-pension pm-kisan-deduction senior-citizen-pension old-age-income}}