The Government of India runs many schemes for farmers in the country. Many of these schemes are to increase the income of farmers, while some schemes are run to assist in old age, so that their lives can be easier. But, unfortunately, many farmers are not aware of such schemes, due to which they are unable to take advantage of them.
Let us tell you that under the Pradhan Mantri Kisan Mandhan Yojana, the government sends money directly to the farmers’ accounts every month. So that farmers do not have to depend on others’ money for their needs in old age. If you are also a farmer, it is important to know whether you are eligible for this scheme or not. Come, let us give you complete information about this important scheme.
These farmers get ‘financial support’ of ₹ 3000 every month
If you are a small or marginal farmer, you can take advantage of the Pradhan Mantri Kisan Mandhan Yojana (PM-KMY). This scheme was launched in 2019, the main objective of which is to provide financial assistance to farmers in old age. On completion of 60 years of age, farmers are given an amount of ₹ 3000 every month as pension. This amount is deposited directly into their bank account.
Farmers between the ages of 18 and 40 can register for this scheme. The farmer has to contribute ₹ 55 to ₹ 200 every month according to his age and premium. The government also deposits an amount equal to the amount deposited by the farmer in the farmer’s account. After maturity, the farmer starts receiving a pension so that he does not have to depend on others’ money in old age.
It is important to note that to avail this scheme, you should not already be enrolled in any other pension scheme, such as NPS (National Pension System) or PF (Provident Fund). This ensures that the benefits of the scheme reach the farmers who need it the most.
How to ‘Apply’ for Pradhan Mantri Kisan Mandhan Yojana
Joining the Pradhan Mantri Kisan Mandhan Yojana is very simple. You can apply for it in two ways:
1. Through the nearest Common Service Center (CSC)
This is the easiest and most popular way:
You have to visit your nearest Common Service Center (CSC).
Their registration can be done by showing an Aadhaar card, a bank passbook, and land papers.
While applying, you will have to provide your mobile number, Aadhaar number, bank account details, and nominee information.
After registration, the prescribed premium amount will be automatically debited from your bank account every month. This process ensures that your contribution is deposited on time and you do not face any hassle.
2. Through online application (self-enrollment)
If you are technically capable, you can also apply online yourself:
For this, you can do self-enrollment by visiting the website pmkmy.gov.in.
As soon as the application is completed, you will get a pension account number.
After turning 60, you will start getting a pension of ₹ 3000 every month.
This scheme is a strong shield to provide financial security to small and marginal farmers in old age. By taking advantage of this, they can live their old age with dignity and self-reliance.