PM Kisan Maandhan Yojana 2026: How Farmers Can Get ₹3,000 Monthly Pension After 60, Check Eligibility and Apply Process

September 12, 2026 Kiran

PM Kisan Maandhan Yojana: The Pradhan Mantri Kisan Maandhan Yojana (PM-KMY) is a government-backed pension scheme designed to provide financial security to small and marginal farmers during old age. Under the scheme, eligible farmers between 18 and 40 years of age contribute a fixed amount towards their pension and receive a minimum assured pension of ₹3,000 per month after attaining the age of 60.

The scheme completed seven years on September 12, 2026. According to government data, more than 24.96 lakh farmers had enrolled under PM-KMY by February 2026, with Haryana recording around 5.75 lakh enrolments and Bihar more than 3.46 lakh.

What Is PM Kisan Maandhan Yojana?

PM-KMY is a voluntary and contributory pension scheme introduced in 2019 for small and marginal farmers. Its objective is to provide farmers with a regular income after they reach the age of 60.

An eligible subscriber contributes towards the scheme until reaching 60. After that, the beneficiary is entitled to a minimum assured monthly pension of ₹3,000.

The scheme is particularly aimed at farmers who may not have another formal source of guaranteed retirement income.

Who Can Apply for PM Kisan Maandhan Yojana?

Not every farmer is eligible for PM-KMY. The scheme has specific conditions.

An applicant generally needs to meet the following requirements:

Must be a small or marginal farmer
Entry age should be between 18 and 40 years
Must have cultivable land of up to 2 hectares, according to the relevant land records
Must fall within the income and eligibility conditions prescribed under the scheme
The scheme is voluntary and contributory

The official scheme information confirms the 18–40 entry-age requirement and the landholding criterion for small and marginal farmers.

How Much Do Farmers Have to Contribute?

The amount a farmer has to contribute depends on the age at which they enter the scheme.

A person joining at a younger age generally has a lower monthly contribution, while the contribution increases for those joining closer to the upper age limit.

The contribution structure is designed so that the subscriber continues contributing until the age of 60, after which the assured pension becomes payable.

The government also contributes an equal amount to the subscriber’s contribution under the scheme, helping build the pension corpus.

PM Kisan Maandhan Contribution Example

For example, depending on the age of entry, the monthly contribution can range from approximately ₹55 to ₹200.

This means a farmer who joins the scheme at a younger age can secure the pension by making a relatively small regular contribution over a longer period.

The exact contribution should be confirmed during enrolment because it depends on the subscriber’s age at the time of joining.

How to Apply for PM Kisan Maandhan Yojana?

Eligible farmers can enrol through the nearest Common Service Centre (CSC).

The registration process generally involves the following steps:

Step 1: Visit a CSC

Go to the nearest Common Service Centre and tell the Village Level Entrepreneur (VLE) that you want to enrol under PM Kisan Maandhan Yojana.

Step 2: Carry Aadhaar and Bank Details

The applicant needs Aadhaar details and bank-account information for registration and contribution-related processing.

Step 3: Provide Personal and Farmer Details

The VLE enters the required information, including details such as the farmer’s name, date of birth, Aadhaar information and bank details.

Step 4: Aadhaar Authentication

The applicant’s details are authenticated through Aadhaar.

Step 5: Make the First Contribution

The initial contribution is paid as part of the enrolment process. Subsequent contributions are made according to the scheme’s prescribed schedule.

Once registration is completed, the farmer becomes a subscriber to the pension scheme.

What Documents Are Required?

Farmers should generally keep the following information and documents available when applying:

Aadhaar card
Bank account or passbook details
Mobile number
Land-related records, where required
Other information requested during registration

The exact documents may depend on the registration channel and verification requirements.

When Will Farmers Receive ₹3,000 Pension?

The minimum assured pension under PM-KMY becomes payable after the subscriber attains 60 years of age, provided the scheme’s conditions have been met.

The pension amount is ₹3,000 per month.

This works out to:

₹3,000 × 12 months = ₹36,000 per year

Therefore, a beneficiary receiving the full assured pension would receive ₹36,000 annually.

What Happens If the Farmer Dies?

PM-KMY also provides provisions for the subscriber’s spouse.

If the beneficiary dies after the pension becomes payable, the spouse can receive 50% of the pension as family pension, subject to the applicable scheme rules.

The scheme therefore provides not only an old-age pension for the subscriber but also a degree of financial protection for the spouse.

PM Kisan Maandhan vs PM Shram Yogi Maandhan: What Is the Difference?

The names of these two schemes can be confusing, but they are designed for different groups.

Feature	PM Kisan Maandhan Yojana	PM Shram Yogi Maandhan
Target group	Small and marginal farmers	Unorganised workers
Entry age	18–40 years	18–40 years
Pension after 60	₹3,000/month minimum	₹3,000/month minimum
Contribution	Based on age at entry	Based on age at entry
Government support	Matching contribution	Matching contribution
Registration	CSC/official enrolment channels	CSC/official enrolment channels

PM-SYM is specifically a voluntary contributory pension scheme for eligible unorganised workers with monthly income of up to ₹15,000.

What Is PM Shram Yogi Maandhan Yojana?

The Pradhan Mantri Shram Yogi Maandhan Yojana (PM-SYM) is meant for eligible workers in the unorganised sector rather than specifically for farmers.

Workers such as street vendors, domestic workers and other eligible unorganised-sector workers can potentially benefit if they satisfy the scheme’s conditions.

Like PM-KMY, PM-SYM provides a minimum assured pension of ₹3,000 per month after the age of 60.

The entry age is 18 to 40 years and the worker’s monthly income must be within the prescribed limit.

Why Is PM Kisan Maandhan Important for Farmers?

Agricultural income can vary significantly depending on crop prices, weather conditions, input costs and other factors. Unlike many salaried workers, farmers may not have access to a conventional employer-sponsored pension.

PM-KMY attempts to address this gap by creating a contributory pension arrangement that provides a fixed minimum monthly income after the subscriber reaches 60.

The government says the scheme has helped small and marginal farmers plan for old age with greater financial security and dignity. By February 2026, enrolment had crossed 24.96 lakh farmers nationally.

Key Benefits of PM Kisan Maandhan Yojana

The major features of the scheme include:

₹3,000 monthly pension: Eligible subscribers receive a minimum assured pension after turning 60.

Government matching contribution: The government contributes an amount matching the subscriber’s contribution.

Low contribution at younger ages: Those joining at a younger age generally contribute less each month.

Family pension provision: The spouse can receive 50% of the pension under the applicable rules after the subscriber’s death.

Old-age financial security: The scheme creates a regular pension stream for eligible farmers.

Who Should Check Their Eligibility?

Farmers between 18 and 40 years of age who fall within the small and marginal farmer category and meet the scheme’s other requirements can check whether they are eligible for PM-KMY.

Those who are already covered under another government-supported pension or social-security arrangement should carefully check the exclusion conditions before enrolling.

Farmers should also verify the latest rules and contribution amount through an official CSC or government portal rather than relying solely on social-media posts or unofficial websites.

PM Kisan Maandhan Yojana: Important Points to Remember

Before applying, farmers should keep these points in mind:

The scheme is contributory, meaning the beneficiary has to make regular contributions.
The entry age is 18 to 40 years.
The assured pension starts after the beneficiary reaches 60 years.
The minimum assured pension is ₹3,000 per month.
Eligibility is primarily aimed at small and marginal farmers.
Landholding and other eligibility conditions must be satisfied.
The contribution amount depends on the subscriber’s age at entry.
Registration can be completed through a Common Service Centre.
Applicants should verify the latest rules and documents before registration.

Bottom Line

The PM Kisan Maandhan Yojana offers eligible small and marginal farmers a way to build a regular source of income for old age. Farmers who join between the ages of 18 and 40 and continue making the required contributions can receive a minimum assured pension of ₹3,000 per month after turning 60.

As PM-KMY completes seven years, the government says nearly 25 lakh farmers had enrolled by February 2026.

Farmers considering the scheme should first check their eligibility, contribution amount and applicable conditions through an official government source or CSC. It is also important not to confuse PM-KMY with PM-Shram Yogi Maandhan, which is a separate pension scheme for eligible unorganised workers.