Pradhan Mantri Kisan Maandhan Yojana in India, Know More About It

Pradhan Mantri Kisan Maandhan Yojana (pm-kmy)

The Pradhan Mantri Kisan Maandhan Yojana is a significant government initiative designed to provide social security and old-age protection for Small and Marginal Farmers (SMF). Targeted at individuals with cultivable landholdings of up to 2 hectares, falling within the age group of 18 to 40 years, the scheme aims to offer financial support during their retirement years.

Overview table of Pradhan Mantri Kisan Maandhan Yojana

Aspect	Details
Scheme Name	Pradhan Mantri Kisan Maandhan Yojana
Objective	Provide social security and old-age protection for Small and Marginal Farmers (SMF)
Target Audience	Small and Marginal Farmers (SMF) with cultivable landholdings of up to 2 hectares
Age Group	18 to 40 years
Minimum Assured Pension	₹3000 per month upon reaching the age of 60
Family Pension	Spouse entitled to 50% of the pension amount upon farmer’s demise
Monthly Contributions	₹55 to ₹200 until the age of 60
Benefits	– Minimum assured pension – Convertible family pension – Continuation of scheme by spouse – Refund of contributor’s share with interest upon exit
Eligibility Criteria	– Small and Marginal Farmers – Entry age between 18 to 40 years – Cultivable land up to 2 hectares
Exclusions	– Large farmers with land exceeding 2 hectares – Enrolled in NPS, ESIC, or EPFO – Covered under other statutory social security schemes – Opting for other specific schemes such as Pradhan Mantri Shram Yogi Maandhan Yojana and Pradhan Mantri Vyapari Maandhan
Application Process	– Visit nearest Common Service Centre (CSC) – Provide Aadhaar Card, Savings Bank Account details, and initial cash contribution – Complete online registration – Pay first subscription amount – Sign enrollment cum Auto Debit mandate form – Obtain KPAN and Kisan Card
Documents Required	– Aadhaar Card (mandatory) – Savings Bank Account / PM-Kisan Account (mandatory)
Conclusion	A crucial step towards ensuring the well-being of Small and Marginal Farmers during their old age by providing structured pension system

Details of Pradhan Mantri Kisan Maandhan Yojana

Under this scheme, eligible farmers are entitled to a minimum assured pension of ₹3000 per month upon reaching the age of 60. In the unfortunate event of the farmer’s demise, the spouse becomes eligible for 50% of the pension as a family pension. This family pension applies exclusively to spouses.

The monthly contributions for applicants between the ages of 18 to 40 range from ₹55 to ₹200 until they reach the age of 60. The accrued pension amount assists pension holders in meeting their financial needs post-retirement.

Pradhan Mantri Kisan Maandhan Yojana Benefits

There are many Pradhan Mantri Kisan Maandhan Yojana benefits, including:

1. Minimum assured pension of ₹3000 per month after turning 60.
2. Convertible family pension, with the spouse entitled to receive 50% of the pension amount.
3. Continuation of the scheme by the spouse in case of the farmer’s demise before the age of 60, with the spouse entitled to 50% of the pension.
4. Refund of the contributor’s share with interest if they exit the scheme within ten years, and higher interest rates for exits after ten years.

Eligibility Criteria

To be eligible for the scheme, farmers must meet the following criteria:

1. Small and Marginal Farmers.
2. Entry age between 18 to 40 years.
3. Cultivable land up to 2 hectares, as per land records of the concerned State/UT.

Exclusions

The scheme excludes the following categories:

1. Large farmers with cultivable land exceeding 2 hectares.
2. Applicants enrolled in NPS, ESIC, or EPFO.
3. SMFs covered under other statutory social security schemes.
4. Farmers opting for Pradhan Mantri Shram Yogi Maandhan Yojana and Pradhan Mantri Vyapari Maandhan.

Pradhan Mantri Kisan Maandhan Yojana Apply Online

The application process is simple and can be completed online. Here are the steps:

1. Visit the nearest Common Service Centre (CSC).
2. Provide Aadhaar Card, Savings Bank Account details, and initial cash contribution.
3. Complete online registration, including bank details, mobile number, email address, spouse and nominee details.
4. The system will calculate monthly contributions based on the subscriber’s age.
5. Pay the first subscription amount in cash to the Village Level Entrepreneur (VLE).
6. Sign the enrollment cum Auto Debit mandate form, which will be scanned and uploaded by the VLE.
7. A unique Kisan Pension Account Number (KPAN) will be generated, and a Kisan Card will be printed.

Documents Required

Applicants need the following documents for enrollment:

1. Aadhaar Card (mandatory)
2. Savings Bank Account / PM-Kisan Account (mandatory)

Pradhan Mantri Kisan Maandhan Yojana Card Download

Ordinary citizens can access their Maandhan card through UMANG by providing their Shram Yogi Pension Account Number (SPAN).

To reprint the Maandhan card, beneficiaries need to pay a service charge of Rs 20. No additional documents need to be uploaded, and an acknowledgment will be provided to the customer.

Conclusion: Pradhan Mantri Kisan Maandhan Yojana

In conclusion, the Pradhan Mantri Kisan Maandhan Yojana stands as a crucial step towards ensuring the well-being of Small and Marginal Farmers during their golden years. By providing a structured pension system, the scheme addresses the financial needs of farmers, offering them a sense of security and dignity in their old age.

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