I. Introduction

A. Brief overview of the scheme

B. Importance of the scheme for farmers

C. Aim of the scheme


II. Eligibility Criteria

A. Age limit

B. Occupation criteria

C. Annual income limit


III. Benefits of the scheme

A. Pension amount

B. Availability of life insurance

C. Tax benefits


IV. Enrollment process

A. Required documents

B. Online and offline enrollment options

C. Steps for enrollment


V. Conclusion

A. Summary of the scheme

B. Importance of pension for farmers

C. Final thoughts on the scheme.



I. Introduction

A. The Pradhan Mantri Kisan Maan Dhan Yojana is a government scheme launched in 2019 with the aim of providing a minimum pension of Rs. 3,000 per month to small and marginal farmers in India.

B. The scheme is of utmost importance for the farmer community, who form a significant portion of the Indian population and are often affected by unstable weather conditions, low crop yield, and price fluctuations.

C. The objective of the scheme is to provide financial security and stability to farmers during their old age and to ensure that they lead a life of dignity. 


II. Eligibility Criteria

A. To be eligible for the scheme, a farmer must be between the ages of 18 and 40 years old.

B. The applicant must be engaged in agricultural or allied activities and should have an annual income of less than Rs. 12,000.

C. The scheme is open to small and marginal farmers, who own less than 2 hectares of cultivable land. The applicant should not be a government employee or should not be availing benefits under any other social security scheme.


III. Benefits of the Scheme

A. The scheme provides a minimum pension of Rs. 3,000 per month to the beneficiaries, starting from the age of 60 years. The pension amount will be paid by the government on a monthly basis.

B. The scheme also provides life insurance cover to the beneficiaries, with the pension amount serving as the sum insured. In case of the farmer's death, the spouse will be eligible to receive 50% of the pension amount as the family pension.

C. The scheme also offers tax benefits, as the pension received and the contribution made towards the scheme is eligible for deduction under section 80C of the Income Tax Act.


IV. Enrollment Process

A. The following documents are required for enrollment: Aadhar card, PAN card, bank account details, and income certificate.

B. Enrollment can be done online through the official website or through Common Service Centers (CSCs) located in rural areas.

C. To enroll online, the farmer must log on to the official website and fill in the required details. The farmer must also provide a scanned copy of the required documents. After submission of the application, the farmer will receive an acknowledgment slip, and the enrollment process will be complete after verification of the details provided.

For offline enrollment, the farmer can visit the nearest Common Service Center and fill in the required form. The farmer must also provide the required documents for verification. After the verification process is complete, the farmer will receive an acknowledgment slip.


Pradhan Mantri Kisan Maan Dhan Yojana Application Process

Following are the prerequisites for the registration process:

  • aadhar card
  • Savings bank account number with IFSC code (Bank passbook or check leave/book or copy of bank statement as proof of bank account)
  • Applicant will key in Aadhaar number, beneficiary name and date of birth as printed on Aadhaar card for authentication.
  • The applicant will complete the online registration by filling the details like bank account details, mobile number, email address, spouse (if any) and nominee details will be captured.
  • Generate KPAN ID and Download Mandate Form
  • Upload and submit the command form after signature
  • Download Pradhan Mantri Kisan Maan Dhan Card after submission.

Eligibility Criteria
  •  For Small and Marginal Farmers 
  • Entry Age between 18 to 40 years 
  • Cultivable land up to 2 hectares as per land records of the concerned State/UT


WEB Site:  https://www.myscheme.gov.in/schemes/pmkmy



V. Conclusion

A. The Pradhan Mantri Kisan Maan Dhan Yojana is a much-needed scheme for small and marginal farmers in India, providing them with a minimum pension of Rs. 3,000 per month, life insurance cover, and tax benefits.

B. The pension amount will help farmers lead a life of dignity during their old age and provide financial stability for their families.

C. The enrollment process is simple and can be done online or offline. The government's commitment towards the welfare of farmers is evident through the launch of such schemes. It is the responsibility of the farmers to avail of the benefits offered under the scheme and secure their financial future