Pradhanmantri Kisan Mandhan Yojana Apply

Overview

For quite some time, the Indian government has been reforming and bringing positive changes in the policies for the betterment of Indian society. We all should agree to the fact that India is a country where most of the people rely on farming occupation. But the income of the farmers is quite low and hence they are being exploited to a great extent. To uplift the living of such farmers, there are now different policies that have been started. Talking of which Kisan Pension Yojana is one of its kind. This scheme was launched in the year 2019 and since then it has received a tremendously positive response.

Know more about Pradhan Mantri Kisan Mandhan Yojana

Before we go ahead and understand the Kisan Mandhan Yojana Apply it is important to have clarity on what exactly this scheme is all about. The Indian central government had come up with this scheme for the betterment of farmers in the country. If these farmers are not registered for the scheme, then there is still scope for doing so. Under this scheme, the farmers are entitled to earn a pension of 3000 on monthly basis. Under this scheme, the farmers whose age group is between 18 to 40 years can apply for it. Besties, the farmer even must contribute partially till 60 years of age and the contribution can range from Rs 55 to Rs 200 on monthly basis. Right after they attain 60 years of age, the farmer can earn a pension every month.

Pradhan Mantri Kisan Mandhan Yojana Objective

 The process to go ahead for the Kisan Mandhan Yojana Apply is quite simple. Under the thesis scheme, there is an old-age pension plan added for only the farmers residing and belonging to this country. This means the scheme is Small and Marginal Farmers (SMFs). The primary aim is to secure the lives of the farmers and offer them the right development skills and social security. Along with this, the scheme also offers the facilities that the spouse can earn the pension fund of Rs 3000 separately but for this, they need to contribute separately to the pension fund. The whole and sole aim of this scheme are to let the farmer be financially independent in old age and thus empowering them in the future.

Beneficiary Benefits

Once the whole Pradhanmantri Kisan Mandhan Yojana 2021 application is submitted and accepted, the central government shall then pay 36000 rupees on yearly basis as a pension to farmers.

That is not it! The farmers whose name comes in the land records of the state or even in the union territory can get the benefits of the scheme.

Eligibility Pradhan Mantri Kisan Maan Dhan Yojana

Not everyone is a perfect fit for this scheme. There are eligibility criteria that have been set under which it is expected for the people to fall so that further verification process can go smoothly. The eligibility for this yojana is:

• Small and Marginal Farmer (SMF) who owns cultivable land up to 2 hectares (according to the land records of the same state/UT)

• Farmers enrolled under Pradhan Mantri Shram Yogi Maan Dhan Yojana (PM-SYM), Pradhan Mantri Laghu Vyapari Maan-Dhan Yojana (PM-LVM)

• Entry age of 18 to years

• SMFs enrolled under other saving schemes such as Nation Pension Scheme (NPS), Employees’ Provident Fund Organisation, etc.

Who is not eligible to enter the Pradhan Mantri Kisan Maan-Dhan Yojana?

As per the scheme terms, there are beneficiary categories made even for those who cannot be a part of this scheme. This includes:

• According to the terms of the scheme, these are the categories of beneficiaries who cannot enter this scheme:

• Constitutional Post holders- Former or Present

• Institutional Landowners

•  Mayors of Municipal Corporation

• Former or Present- Ministers, State Ministers, Members of Lok Sabha, Members of Rajya Sabha, Members of State Legislative assemblies/councils

• Chairperson of District Panchayat

• Serving or Retired- Officers and Employees of Central Govt. Ministries, State Govt. Ministries, Regular Employees of Local Bodies

• Employees of autonomous institutions under the Government

• Professionals like Doctors, Engineers, Lawyers, CAs, Architects- all who paid income tax in the last assessment year

• Components of Pradhan Mantri Kisan Maan Dhan Yojana/Scheme

• There are essential components of the scheme that revolves around the monthly pension that has been made for the farmers who shall be attaining 60 years of age. This includes:

• The amount of Rs.3000/- sanctioned as monthly pension in favor of the pensioner enrolled under the scheme

• There will be a monthly contribution of Rs.55 to Rs.200 that shall be made by the farmers as per the entry age in the Pension Fund till the age of 60 years

Features of the Scheme/Yojana

This scheme offers incredible features and benefits to those applicants whose forms get accepted. This includes:

• The entry age group into the Pradhan Mantri Kisan Maan Dhan Yojana is 18 to 40 years

• A monthly contribution of Rs.55 to Rs.200, depending on the age of entry, will have to be made into the Pension fund till the retirement age of 60 years

• The spouse of the beneficiary can also avail of the monthly pension benefit only if separate contributions are made into the fund

• If the spouse does not want to continue with the scheme, the number of contributions made along with the interests eligible will be paid in total to the spouse.

• The spouse will get 50% of the pension as Family Pension in case of death of the farmer after the retirement age

• The beneficiary is eligible to make contributions on a quarterly or half-yearly basis

• The Life Insurance Corporation of India (LIC) manage the Pension Fund

• The contribution will be due on the same date as the enrolment date, every month

• In case the pensioner is deceased before the age of retirement, their spouse may continue to the same scheme by making the remaining contributions till the age of 60 years of the deceased farmer.

• In case there no spouse of the deceased farmer then the total amount will be paid to the nominee

• In case both the farmer and the spouse dies, the accumulated corpus gets credited to the Pension Fund

• If there is any failure in making the contributions regularly, the beneficiaries are eligible to re-establish regular payments by clearing the outstanding dues along with interest payable.

• There will not be any No late fees gets charged until 1 month from the unpaid contribution

Documents Required under the scheme

Given below is the document list that needs to be submitted by the applicant during the application process. This includes:

• Income certificate

• Passport size photo

• Identity card

• Aadhaar card

• Savings Bank Account / PM- KISAN Account

• Age certificate

• Farmyard measles

• Mobile number

• Khashra Khatauni of Land Area

Conclusion

Primarily the scheme is launched solely for the benefits of the farmers. Right from the application process till checking the status everything's online. This means farmers don’t have to stress themselves on visiting the authorized office anymore. Under this scheme, the government shall offer a minimum of Rs 3000 to the farmers once they cross 60 years of age. Till now more than 21 lakh farmers have availed the benefits of this scheme. Besides, if you visit the nearest common service center, they can offer additional support on understanding the scheme. However, the primary condition the scheme asks you is to have a bank account that is linked with an Aadhar card since the payment will be done online to maintain transparency.

Questions and Answers

How is the Registration Process for Kisan Maan-Dhan Yojana?

There is a registration process that needs to be followed by the applicant to avail of the pension fund. Now given below are some steps that need to be followed. These are quite easy ones that can be done in a few minutes. The steps include:

• Visit the nearest Common Service Centre along with the required documents

• The Village Level Entrepreneur (VLE) available at the CSC will get the online registration done

• The authorities shall help you on uploading the documents like Name, DOB, Aadhaar card number, and details of the spouse and nominee

• The data is checked manually. This includes the verification of bank and personal details from the supporting documents

• The mobile number of the beneficiary is verified via OTP

• Scanned, self-attested copies are collected from the beneficiary, attached with the registration form

• The form along with supporting documents copies are sent for further processing

Once the enrolment process is accomplished, there is an auto-debit mandate form that needs to be generated by the beneficiary bank. It must be duly signed while declaring the farmer’s consent for the auto-debit of the contribution being made every month.

How to register by yourself?

There is a registration process that needs to be followed by the applicant to avail of the pension fund. Now given below are some steps that need to be followed. These are quite easy ones that can be done in a few minutes. The steps include:

• Visit the Official Website of Pradhanmantri Kisan Mandhan Yojana i.e., pmkmy.gov.in.

• On the Homepage, click on the Option “Apply Online” button. 

• The application form page will be displayed on the screen.

• Now enter the required details (Mention all the details such as name, father/ husband name, date of birth, gender, caste, and other information) and upload documents.

• Click on Submit Button for the final submission of the application.

How to know the Kisan Maan-Dhan Yojana Beneficiary Status

Those who want to see the Beneficiary Status of the state, given below are some steps that need to be followed. These are quite easy ones that can be done in a few minutes. The steps include:

• The applicant must visit the official website of the scheme pmkmy.gov.in.

• After visiting the official website, the home page will open in front of you.

• You can then see the option of Farmer Corner.

• You will see the option of Beneficiary status from this option.

• Upon clicking on the option, a new page will open where you can get Beneficiary Status to want to see then you can see with the help of any of the Aadhaar numbers, mobile numbers, account numbers.

Click on any of the options and then click on Go Data. After this, the beneficiary status will open in front of you.