PM ರೈತರಿಗೆ ಪ್ರತಿ ತಿಂಗಳು 3000 ಸಿಗಲಿದೆ.!

PM ₹3,000 Monthly Pension for Farmers – A Lifelong Security Scheme You Should Not Miss

PM India is often called the “Land of Farmers”, and rightly so. The farmers of our nation feed over a billion people, cultivating grains, fruits, vegetables, and flowers that not only sustain our daily meals but also drive the national economy. Yet, there’s a painful reality — unlike government or corporate employees, most farmers in India do not have retirement benefits or pension security.

With advancing age, physical strength declines, making agricultural work difficult or even impossible. On top of that, unpredictable markets, falling crop prices, and natural calamities make farmers’ lives uncertain. In such times, a guaranteed monthly income acts as a much-needed safety net.

Recognising this, the Government of India launched a special pension scheme in 2019 called the Pradhan Mantri Kisan Maandhan Yojana (PM-KMY). This initiative aims to ensure social security for small and marginal farmers by providing them with a fixed monthly pension after the age of 60. Under this scheme, eligible farmers receive ₹3,000 per month (₹36,000 per year) for life.

Key Highlights of the Scheme

• Type of Scheme: Voluntary and contribution-based pension plan.
• Pension Amount: ₹3,000 per month (₹36,000 annually) after turning 60.
• Eligibility: Only small and marginal farmers owning up to 2 hectares of cultivable land.
• Enrollment Age: Between 18 and 40 years.
• Monthly Contribution: Between ₹55 and ₹200 depending on age at the time of joining.
• Government Contribution: The Central Government matches the farmer’s contribution amount.

Main Features of PM-KMY

1. Voluntary Participation – Farmers can choose to join the scheme at their convenience.
2. Equal Government Contribution – Whatever the farmer contributes each month, the government contributes the same amount.
3. Guaranteed Pension – After the age of 60, farmers will receive a fixed ₹3,000 every month for life.
4. Family Protection – If the farmer passes away, the spouse can continue the scheme or withdraw the deposited amount with interest.

Benefits for Farmers

• A stable income during old age to cover daily expenses.
• Minimal contribution starting as low as ₹55 per month.
• Financial independence in old age without relying on children or others.
• Pension benefits extended to the spouse in case of the farmer’s death.

Eligibility Criteria

To apply for PM-KMY, farmers must meet the following conditions:

• Landholding: Own up to 2 hectares (approximately 5 acres) of agricultural land.
• Age Limit: Between 18 and 40 years at the time of enrollment.
• Required Documents: Aadhaar Card, savings bank account details, and proof of land ownership.

How to Apply

Farmers can register through two methods:

1. Online Registration

• Visit the official website: www.pmkmy.gov.in
• Select the “Self Enrollment” option.
• Verify your mobile number using OTP.
• Fill in personal details, bank account information, and land records.
• Choose your preferred payment method and submit the application.

2. Registration through CSC (Common Service Centre)

• Visit your nearest CSC/VLE office.
• Submit the required documents.
• Once registration is complete, you will receive a PM-KMY ID card.

Contribution Details

• Monthly Contribution:
  • Age 18 years – ₹55 per month
  • Age 40 years – ₹200 per month
• Government Contribution: Equal to the farmer’s monthly contribution.
• Payment Duration: Until the farmer reaches 60 years of age.

Exit Rules and Death Benefits

• Exit Before Maturity: The farmer will get back the contributed amount with interest.
• In Case of Farmer’s Death:
  • Spouse can continue the scheme and receive pension benefits.
  • Or, withdraw the total amount with interest.
• If Both Pass Away: The accumulated amount will be credited back to the pension fund.

Documents Required

• Name and date of birth of both farmer and spouse.
• Bank account number along with IFSC/MICR code.
• Mobile number linked with Aadhaar.
• Aadhaar card for identification.
• Land ownership documents.

Why This Scheme Matters

For decades, farmers in India have been the backbone of the nation’s economy, yet they’ve had little in terms of financial safety for their later years. The Pradhan Mantri Kisan Maandhan Yojana is a historic step towards correcting that imbalance. By making small monthly contributions during their working years, farmers can ensure a steady, reliable income for life after 60.

In essence, this scheme is not just a pension plan — it’s a promise of dignity, stability, and security for the people who feed the nation.

Application Link

Final Words

If you are a small or marginal farmer aged between 18 and 40, this is your chance to secure your future. Start contributing today, and enjoy the peace of mind that comes with knowing your old age will be financially safe. Don’t wait — apply now and take the first step towards a secure tomorrow.