**Executive Summary:**
This document is the response to Lok Sabha Unstarred Question No. 1415 regarding campaigns to promote the Pradhan Mantri Kisan Maan Dhan Yojana (PMKMY). It outlines the government's efforts to raise awareness and facilitate enrollment in the PMKMY scheme, a voluntary and contributory pension scheme for small and marginal farmers. The response addresses the scheme's implementation in Maharashtra, factors affecting enrollment rates, and the roles of various agencies in promoting the scheme.
**Key Points / Main Content:**
* **PMKMY Scheme Overview:**
* Central sector scheme providing a minimum monthly assured pension of ₹3000 upon reaching 60 years of age.
* Voluntary and contributory for farmers aged 18-40 years, subject to exclusion criteria.
* Monthly contributions range from ₹55 to ₹200, with matching contributions from the Government of India.
* Life Insurance Corporation (LIC) of India is the fund manager.
* **Awareness and Enrollment Efforts:**
* The government conducts drives to enroll farmers and provides publicity to increase awareness, including in Maharashtra.
* Common Service Centers (CSCs) are utilized for farmer enrollment via a dedicated PMKMY portal.
* **Factors Affecting Enrollment Rate:**
* The voluntary and contributory nature of the scheme affects enrollment.
* Eligibility restricted to small and marginal farmers aged 18-40 years.
* Existence of a similar scheme, Pradhan Mantri Shram Yogi Maandhan (PMSYM).
**Impact Analysis:**
* **Small and Marginal Farmers:**
* *Impact:* Potential beneficiaries of a social security net during old age, receiving a monthly pension.
* *Action Required:* Understand the scheme, determine eligibility, and enroll through CSCs, contributing monthly as per age criteria.
* **Government of India:**
* *Impact:* Responsible for funding matching contributions and overseeing scheme implementation.
* *Action Required:* Continue conducting awareness campaigns, facilitate enrollment through CSCs, and address factors affecting enrollment rates.
* **Common Service Centers (CSCs):**
* *Impact:* Key facilitators for enrollment of farmers under the scheme.
* *Action Required:* Provide enrollment services through the dedicated PMKMY portal and assist farmers with the process.
* **Life Insurance Corporation (LIC) of India:**
* *Impact:* Manages the PMKMY fund.
* *Action Required:* Ensure effective management of the pension fund according to the scheme guidelines.
Key Entities Referenced
Pradhan Mantri Kisan Maan Dhan Yojana PMKMY: A central sector scheme providing a voluntary and contributory pension for small and marginal farmers in India, with a minimum monthly assured pension of ₹3000 on attaining the age of 60 years.
Maharashtra: A state in India, specifically mentioned in the context of PMKMY implementation, enrollment rates, and targeted efforts in tribal, drought-prone, and remote areas.
Common Service Centres CSCs: Facilitate enrollment of farmers under the PMKMY scheme and have a dedicated portal for the scheme.
Life Insurance Corporation LIC of India: The fund manager for the Pradhan Mantri Kisan Maan Dhan Yojana (PMKMY) scheme.
AGRICULTURE AND FARMERS WELFARE: The Ministry responsible for the policy and implementation of the PMKMY scheme.
SHRI RAMNATH THAKUR: Minister of State for Agriculture and Farmers Welfare who provided the answer to the Lok Sabha question regarding PMKMY.
Pradhan Mantri Shram Yogi Maandhan PMSYM: A similar scheme to PMKMY that is implemented before the launch of PMKMY.
Farmer Producer Organisations FPOs: Organisations involved in creating awareness and assisting with enrollment under the PMKMY scheme in Maharashtra.
GOVERNMENT OF INDIA
MINISTRY OF AGRICULTURE AND FARMERS WELFARE
DEPARTMENT OF AGRICULTURE AND FARMERS WELFARE
LOK SABHA
UNSTARRED QUESTION NO. 1415
TO BE ANSWERED ON 29TH JULY, 2025
CAMPAIGNS TO PROMOTE PM-KMY
1415. SMT. SUPRIYA SULE:
SHRI SANJAY DINA PATIL:
DR. AMOL RAMSING KOLHE:
SHRI MOHITE PATIL DHAIRYASHEEL RAJSINH:
PROF. VARSHA EKNATH GAIKWAD:
SHRI BHASKAR MURLIDHAR BHAGARE:
Will the Minister of AGRICULTURE AND FARMERS WELFARE कृ(cid:874)ष एवं (cid:873)कसान क(cid:227)याण म(cid:287)ं ी
be pleased to state:
(a) whether the Government has undertaken awareness campaigns to promote pension
schemes like the Pradhan Mantri Kisan Maan dhan Yojana (PM-KMY) among small and
marginal farmers in the country, particularly in Maharashtra;
(b) whether the Government has identified reasons for low enrollment under PM-KMY in
certain districts of Maharashtra and if so, the corrective steps being taken to address those
challenges;
(c) whether any targeted efforts have been made to reach farmers in tribal, drought-
prone, and remote areas of Maharashtra who may lack access to banking or digital facilities
required for enrollment;
(d) the role of Common Service Centres (CSCs), Krishi Sakhis and Farmer Producer
Organisations (FPOs) in creating awareness and assisting with enrollment under the
scheme in Maharashtra; and
(e) the future plans of the Government to improve financial literacy and ensure wider
dissemination of information regarding farmer pension schemes in Maharashtra?
ANSWER
THE MINISTER OF STATE FOR AGRICULTURE AND FARMERS WELFARE
कृ(cid:874)ष एवं (cid:873)कसान क(cid:227)याण रा(cid:207)य म(cid:287)ं ी (SHRI RAMNATH THAKUR)
(a) to (e): Pradhan Mantri Kisan Maan Dhan Yojana (PM-KMY)", a central sector
scheme, is a voluntary and contributory pension scheme for the entry age group of 18 to 40years with a provision of minimum monthly assured pension of ₹3000/- on attaining the age
of 60 years, subject to exclusion criteria. The Scheme aims to create a social security net
for the small and marginal farmers during their old age. The amount of the monthly
contribution ranges between ₹55 to ₹200 per month depending upon the entry age of the
farmers into the Scheme. Govt. of India also provides matching contribution in the pension
account of the farmers. The Life Insurance Corporation (LIC) of India is the fund manager
for the Scheme.
As per the guidelines of the Scheme, the Common Service Centers (CSCs) are
utilized for the enrollments of the farmers under the Scheme and a dedicated portal for PM-
KMY Scheme has been created by the CSC to ensure smooth operations under the
Scheme. The Government conducts drives to enroll farmers under the Scheme from time to
time. In addition, the adequate publicity is given to the Scheme to increase awareness and
encourage greater participation among small and marginal farmers, including in
Maharashtra.
The enrollment rate under the Scheme has been affected by the facts that the PM-
KMY Scheme is a voluntary & contributory pension scheme and applicable only for small &
marginal farmers for the entry age group of 18 to 40 years, which are less in numbers. Also,
there is a similar scheme Pradhan Mantri Shram Yogi Maandhan (PM-SYM) which is being
implemented before the launch of PM-KMY.
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