PM Kisan Maandhan Yojana — a guaranteed ₹3,000 pension every month at 60
India's contributory pension scheme for small & marginal farmers. You put a small amount every month (₹55 to ₹200 depending on your age when you join). The government matches every rupee. At 60, you get ₹3,000/month for life — even after death, your spouse gets 50%.
How it works, in one line
You put ₹55–₹200/month depending on the age you enrolled at. The government puts the same amount. When you turn 60, you get ₹3,000/month for life. If you die, your spouse gets ₹1,500/month.
How much you pay per month, by joining age
You enrol between age 18 and 40. The earlier you join, the smaller your monthly contribution. The govt matches you rupee-for-rupee, so this table is only your share.
| Your age at joining | You pay / month | Govt matches / month | Total years you pay |
|---|---|---|---|
| 18 | ₹55 | ₹55 | 42 yrs |
| 20 | ₹61 | ₹61 | 40 yrs |
| 25 | ₹80 | ₹80 | 35 yrs |
| 30 | ₹105 | ₹105 | 30 yrs |
| 35 | ₹150 | ₹150 | 25 yrs |
| 40 | ₹200 | ₹200 | 20 yrs |
Your pension calculator
Are you eligible?
You must tick ALL of these:
- Small or marginal farmer — owning land up to 2 hectares (5 acres).
- Age 18 to 40 at enrolment.
- Aadhaar-linked bank / Jan Dhan account.
- Not covered by another statutory pension scheme (EPFO, NPS, ESIC, etc.). If you are already a PMSYM / PM-Vaya Vandana member, you can't double-enrol.
Documents needed: Aadhaar card, Aadhaar-linked bank passbook, land record (khatauni / patta / 7/12).
What you actually get
- ₹3,000 per month for life once you turn 60.
- If you die after 60: your spouse gets ₹1,500/month (family pension).
- If you die BEFORE 60: your spouse can continue the scheme by paying the same instalment, and gets the full ₹3,000/month at 60.
- You can exit early — you get back your contributions plus the interest earned by LIC. Govt contribution isn't returned.
- If you miss instalments, you can regularise with a small penalty. Missing too many can auto-cancel — pay regularly.
How to enrol — 3 easy paths
- Nearest CSC (Common Service Centre) — recommended. Free enrolment. Aadhaar + land record + bank passbook. Photograph + biometric. Done in 15 minutes.
- Self-register at maandhan.in. Faster if you're comfortable online. You'll still need to complete OTP + Aadhaar verification.
- Through your PM-KISAN account. Log in on pmkisan.gov.in → "Voluntary Pension Yojana" → auto-fills your details.
Honest note — is ₹3,000/month enough?
Being honest: ₹3,000/month is real support but not enough to live on alone. Treat this as one layer of old-age security, alongside farming savings, KCC, and family. The value of PM-Maandhan is that (a) the govt matches your rupee 1:1, (b) it can be auto-paid from PM-KISAN with no cash out of pocket, and (c) your spouse is covered too. If you can afford it, join early — waiting till 40 quadruples your monthly cost.
Ready to enrol?
Easiest path: walk into the nearest CSC with your Aadhaar + bank passbook + land record. It takes 15 minutes.