PM-KMY for women farmers: eligibility, contributions and pension
Check the land-record and age conditions for Pradhan Mantri Kisan Maan-Dhan Yojana, compare monthly contributions and exclusions, and confirm current enrolment terms before authorising an auto-debit.
In this guide
How PM-KMY pension works
Pradhan Mantri Kisan Maan-Dhan Yojana is a voluntary, contributory old-age pension scheme for eligible small and marginal landholding farmers. It is separate from PM-Kisan income support and is not a free pension for every agricultural worker.
Check the age and land conditions first
The official PM-KMY FAQ describes eligible small and marginal farmers aged 18 to 40 with up to two hectares of cultivable land in State or UT records. It also cites a land-record cut-off of 1 August 2019; ask the State nodal office or CSC to confirm how that rule affects a current enrolment.
The stated pension begins at age 60
The scheme FAQ describes a minimum pension of ₹3,000 per month after the subscriber reaches 60, subject to the scheme conditions and contributions. Verify the current terms before making a long-term budget around that amount.
The government matches the subscriber contribution
The official FAQ says the subscriber's age-based monthly contribution is matched by the Central Government. The contribution is listed from ₹55 to ₹200 per month according to entry age. Ask for the exact amount for the proposed enrolment age and the current debit frequency.
| Question | My answer | Official confirmation |
|---|---|---|
| Age on proposed enrolment date | ||
| Land record and 1 August 2019 cut-off | ||
| Monthly contribution and debit date | ||
| Other pension or social-security membership |
Check exclusions and compare pension choices
The scheme has exclusions. In particular, the official PM-KMY FAQ names other statutory social-security schemes and certain other Maan-Dhan schemes.
Check whether another pension scheme excludes you
The FAQ lists NPS, EPFO, ESIC, PM-SYM and PM-LVM among exclusions, along with specified government employees, income-tax payers and practising registered professionals. Read the full current list and ask the enrolment office to confirm your status before signing.
Do not confuse PM-KMY with PM-SYM
PM-KMY is framed around small and marginal farmers and land records; PM-SYM is a different unorganised-worker pension scheme. The PM-KMY FAQ says a farmer who opted for PM-SYM is excluded. Compare current eligibility before joining either scheme.
Consider whether the debit remains affordable
Contributions are taken over time and missed contributions can lead to arrears or account status changes under the scheme rules. Set aside money for essentials first and ask about the current regularisation and exit rules if income is seasonal.
Enrol only through a current authorised route
The official FAQ describes enrolment through a Common Service Centre (CSC) or State nodal officer. Because scheme routes and intake can change, confirm that enrolment is currently open before travelling or giving a bank mandate.
Ask the CSC or State nodal officer whether you can enrol now
Take the current land record, Aadhaar, bank passbook and date-of-birth details to an authorised point and ask it to check the scheme's current cut-off and exclusions. Do not rely on an agent's claim that an application is certain to be accepted.
Read the auto-debit consent before signing
The scheme uses a bank mandate for contributions. Check the amount, frequency, account and cancellation or correction route; the farmer should authorise it herself. PM-Kisan benefit deductions require the subscriber's consent under the FAQ.
Keep a receipt and verify the first debit
Save the enrolment reference, pension account details and mandate. Check the bank statement for the expected amount and contact the CSC, State nodal officer or designated scheme contact about an unexpected debit.
Understand spouse and contribution rules
Family-pension and exit provisions depend on when a subscriber dies or leaves the scheme. Ask for the relevant clause and keep a copy with the family records.
After pension starts, a spouse may have a defined family pension
The FAQ describes a spouse receiving 50% of the subscriber's pension after the subscriber dies while receiving pension, if the spouse is not already a scheme beneficiary. The rule applies to the spouse, not every heir.
Before age 60, ask about continuation or exit
If a contributing subscriber dies before the pension age, the FAQ describes an option for the spouse to continue by paying contributions or exit under scheme rules. Request the current calculation and documents before deciding.
Keep the farmer's own account details accessible
The woman subscriber should know the pension account number, contribution record, beneficiary details and complaint contact. A family member may help, but should not control her bank mandate without permission.
Questions about PM-KMY for women farmers
Can a landless agricultural worker join PM-KMY?
The scheme FAQ sets eligibility around small and marginal landholding farmers whose names appear in State or UT land records. A landless worker should ask about other pension and worker-registration options instead.
Can someone join after age 40?
The listed entry age is 18 to 40. Ask the authorised office about another suitable pension product if the applicant is older.
Can I receive PM-Kisan and join PM-KMY?
The PM-KMY FAQ says an eligible PM-Kisan beneficiary may choose to authorise contributions from the account receiving PM-Kisan. This is an optional debit, not an automatic deduction; sign only if you want it and understand the amount.
Is enrolment free?
The scheme's official salient-features document says a farmer need not pay a CSC enrolment charge. Ask for an official receipt for any contribution and report a demand for an unlisted fee to the State nodal office.
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Sources and publication record
Draft prepared 26 September 2026; project-team editorial review pending · Sources checked .
- Pradhan Mantri Kisan Maan-Dhan Yojana: official frequently asked questionsDepartment of Agriculture and Farmers Welfare, Government of India
- Pradhan Mantri Shram Yogi Maan-dhan scheme: official features and eligibilityMinistry of Labour and Employment, Government of India