Major central pension schemes and target groups
The Central Government operates targeted contributory pension programmes designed to protect informal and rural workers from old-age destitution.
- Pradhan Mantri Kisan Maandhan Yojana (PM-KMY): Tailored for small and marginal farmers owning up to two hectares of cultivable land.
- Pradhan Mantri Shram Yogi Maandhan (PM-SYM): Designed for unorganised sector workers such as agricultural labourers, drivers, and domestic workers.
- Atal Pension Yojana (APY): Administered by PFRDA through scheduled banks and post offices for all Indian citizens aged 18 to 40.
- Matching central contribution: Under PM-KMY and PM-SYM, the Central Government deposits an equal matching monthly amount alongside the subscriber's contribution.
Eligibility rules and entry age framework
Subscribers must satisfy statutory age and income conditions to participate in these voluntary contributory schemes.
- Entry age bracket: Open to eligible citizens between 18 and 40 years of age.
- Monthly contribution: Scaled according to entry age; remains fixed throughout the contribution term until age 60.
- Pension disbursement: A assured statutory monthly pension is credited directly to the beneficiary's bank account upon reaching 60 years.
- Family pension protection: In the event of the subscriber's demise after 60, the spouse is entitled to receive 50 percent of the monthly pension.
Enrolment procedure and auto-debit facility
Eligible citizens can enroll through their local Common Service Centre (CSC) or online on the official Maan-dhan portal (maandhan.in). Farmers already registered under PM-Kisan can authorize direct auto-debit of their monthly PM-KMY contributions from their PM-Kisan bank account, streamlining compliance without manual branch visits.
Official source
Check the latest rules, benefits and forms here. KisanPe is an independent platform and is not a government website.
Maan-dhan Official Portal (Ministry of Labour & Employment) ↗Related on KisanPe
Common questions
What is Pradhan Mantri Kisan Maandhan Yojana (PM-KMY)?
PM-KMY is a voluntary old-age pension scheme for small and marginal farmers providing a regular monthly pension upon attaining 60 years of age.
What is the entry age window for central pension schemes?
Eligible applicants must be between 18 and 40 years of age at the time of initial enrolment.
Can PM-Kisan beneficiaries use their scheme funds for PM-KMY pension contributions?
Yes, enrolled farmers can opt for automatic deduction of their monthly pension contribution directly from their PM-Kisan DBT bank account.
General guidance, not personal advice. For your farm, ask your local Krishi Vigyan Kendra or agriculture officer.
More Government Schemes & Subsidies guides
Ask Sakhi AI in your language, check live mandi prices or plan a loan with KisanPe tools.