Kripya thoda intezar karein, page load ho raha hai...
Kripya thoda intezar karein, page load ho raha hai...
Bank passbook mein NACH debit entry dhyan se padhein
Seedhi baat: Agar aapke PM Kisan ke ₹2000 mein se ₹55, ₹100, ya ₹200 kat rahe hain aur aapko samajh nahi aa raha ke yeh kahan jaa raha hai — toh ghabraiye mat. Aapne hi CSC center pe ek form sign kiya tha jismein likha tha ke PM Kisan ki kist se aapka Maandhan share kat jaye. Yeh chori nahi hai, yeh aapki khud ki pension ka hissa hai.
PM Kisan Maandhan Yojana (PM-KMY) mein register karne ke baad kai farmers ke bank account se har kist ke saath ek fixed amount kat ta hai. Iska reason yeh hai ke enrollment ke waqt aapne ek NACH (National Automated Clearing House) auto-debit mandate sign kiya tha. Is mandate ke zariye aapne apne bank ko permission di thi ke jab bhi PM Kisan Samman Nidhi ki kist aaye, toh usme se aapka monthly share directly pension fund mein transfer kar diya jaye. Yeh process government ke official operational guidelines ke hisaab se chalta hai, jise LIC of India manage karti hai aur IDBI Bank sponsor bank ke taur par kaam karta hai.
Aaj ke is guide mein main aapko bataunga ke yeh auto-debit kaise kaam karta hai, kyun kat ta hai, kitna kat ta hai, aur agar aap chahein toh is process ko kaise control kar sakte hain. Saath hi yeh bhi samjhaunga ke agar kisi mahine payment miss ho jaye toh kya hota hai, aur default hone se kaise bacha jaye. Sab kuch official sources — PIB release, DAC&FW operational guidelines, aur maandhan.in portal — se verify karke.
Sabse pehle ek basic confusion door karte hain. Bahut se kisan sochte hain ke PM Kisan aur PM Kisan Maandhan ek hi scheme hai. Nahi. Dono bilkul alag hain, alag ministry handle karti hai, aur alag purpose serve karte hain.
PM Kisan Samman Nidhi ek direct benefit transfer scheme hai jismein government har saal ₹6000 aapke account mein bhejti hai — ₹2000 har 4 mahine mein. Ismein aapko kuch bhi pay nahi karna padta. Bas eligible hona chahiye.
PM Kisan Maandhan Yojana ek contributory pension scheme hai. Ismein aap 18-40 saal ki umar ke beech join kar sakte hain. 60 saal ke baad aapko ₹3000 monthly pension milti hai. Lekin iske liye aapko har mahine ek fixed amount pay karna padta hai — jo aapki entry age ke hisaab se ₹55 se ₹200 tak hota hai. Government bhi utna hi amount match karti hai.
Ab dono ka connection kya hai? Bas itna ke government ne ek optional facility di hai ke agar aap PM Kisan ke beneficiary hain, toh aap apna Maandhan share PM Kisan ki kist se katwa sakte hain. Isse aapko alag se cash jama karne ki tension nahi hoti. Lekin yeh optional tha — aapne enrollment ke waqt chuna tha. Agar aapne nahi chuna tha, toh aapke PM Kisan ke paise se kuch nahi katega.
| Cheez | PM Kisan Samman Nidhi | PM Kisan Maandhan Yojana |
|---|---|---|
| Nature | Direct income support — government gives money | Contributory pension — you save for old age |
| Your role | Nothing — just be eligible | Pay monthly share till age 60 |
| Money flow | Govt → Your account | Your account → Pension fund (managed by LIC) |
| Link between both | Optional: You can choose to deduct Maandhan share from PM Kisan benefit | |
CSC pe sign karte waqt form ke har section ko dhyan se padhein
Jab aap CSC center pe gaye the PM-KMY ke liye enroll karne, toh operator ne aapko ek "enrolment-cum-auto-debit mandate form" diya tha. Is form ke last section mein ek declaration hota hai jismein likha hota hai ke aap authorize kar rahe hain ke aapke bank account se monthly contribution automatically debit ho jaye.
Agar aap PM Kisan ke beneficiary hain, toh alag se ek form aur hota hai — "enrolment-cum-auto-debit-mandate form for PM-Kisan benefits." Ismein aap specifically allow karte hain ke jis account mein PM Kisan ki kist aati hai, usi se aapka Maandhan share kat jaye.
Yeh form sign karne ke baad CSC operator uska scanned copy upload karta hai CSC-SPV system mein. Uske baad yeh data LIC ko transfer hota hai T+1 basis pe. LIC sponsor bank (IDBI) ke through NPCI portal pe mandate register karwati hai. Jab tak bank mandate confirm nahi karta, tab tak auto-debit start nahi hota.
Har kisan ka monthly share alag hota hai. Yeh aapki entry age par depend karta hai. Jitni kam umar pe join karenge, utna kam dena hoga. Government bhi utna hi match karegi. Yeh table PIB ke official release (September 2024) aur DAC&FW operational guidelines se li gayi hai.
| Entry Age | Aapka Share (₹/month) | Govt Match (₹/month) | Total Fund Mein (₹/month) |
|---|---|---|---|
| 18 | ₹55 | ₹55 | ₹110 |
| 20 | ₹61 | ₹61 | ₹122 |
| 22 | ₹68 | ₹68 | ₹136 |
| 25 | ₹80 | ₹80 | ₹160 |
| 28 | ₹95 | ₹95 | ₹190 |
| 30 | ₹105 | ₹105 | ₹210 |
| 35 | ₹150 | ₹150 | ₹300 |
| 40 | ₹200 | ₹200 | ₹400 |
Toh agar aap 25 saal ke hain aur aapka share ₹80 hai, toh PM Kisan ki ₹2000 ki kist mein se sirf ₹80 katenge. Baaki ₹1920 aapke account mein rahenge.
Lekin kai baar unhe lagta hai ke pura ₹2000 khatam ho gaya, jabki asal mein sirf ₹80 kata hai. Isliye passbook dhyan se padhein. Agar aapko lagta hai ke zyada kat raha hai, toh ho sakta hai aapki umar galt enter hui ho CSC pe. Date of birth kabhi change nahi hoti, lekin agar galti se galat daal di gayi ho toh aapka share alag calculate hoga. Iske liye CSC pe correction request daalni padti hai.
Passbook mein "NACH Debit" ya "LIC-PMKMY" jaisa description dikhega
Yeh sabse important section hai. Kai kisan sochte hain ke "Maine toh auto-debit band kar diya tha apne man se, ab kuch nahi hoga." Lekin aisa nahi chalta. NACH mandate aapke bank mein tab tak active rehta hai jab tak aap officially cancel nahi karwate.
Jab aapka monthly share due hota hai, toh LIC demand generate karti hai. Sponsor bank IDBI usse NPCI ke through aapke bank ko bhejta hai. Aapke bank try karta hai amount debit karne ka. Agar balance nahi hai, toh debit fail ho jata hai. Isko "bounced debit" kehte hain.
Ab yahan official guidelines ka exact process samajhna zaroori hai. DAC&FW ke operational guidelines ke hisaab se, agar auto-debit fail hota hai, toh account "default" mein chala jata hai. Lekin turant khatra nahi hai. LIC demand ko agle payment cycle mein dobara raise karti hai. Payment cycles har mahine 1st, 11th, aur 21st ko hote hain. Agar yeh dates public holiday hain, toh agla working day hota hai.
🟢 Pehle Mahine (First Unpaid)
Koi late fee nahi lagti. Aap sirf due amount pay karke account regular karwa sakte hain. Teen payment cycles tak demand raise hoti hai bina kisi interest ke.
🟡 1 Mahine Ke Baad
Late fee lagti hai jo savings bank interest rate ke barabar hoti hai. Agar default 12 mahine se kam hai, toh simple interest calculate hota hai. Agar 12 mahine se zyada ho gaya, toh completed years ke liye compounding interest aur bache hue months ke liye simple interest lagta hai.
🔴 6 Mahine Tak Payment Nahi Hui
Account status "dormant" ho jata hai. Ab further demand raise nahi hoti, lekin 3 saal tak SMS alerts aate rehte hain. Is dauran bhi aap entire outstanding amount + interest jama karke account regular karwa sakte hain.
⚪ 3 Saal Ke Baad
SMS alerts band ho jate hain, lekin aap phir bhi call center ya online inquiry karke status check kar sakte hain. Account regularize karne ka option ab bhi available hai — poora due amount + applicable interest jama karke.
Agar aap chahte hain ke PM Kisan ke paise se share na kata jaye, balki aap khud alag se jama karein, toh aap auto-debit band karwa sakte hain. Lekin band karne se aapka monthly payment band nahi hota — aapko khud se jama karna padta hai, warna default ho jayega.
Bank se cancellation ka acknowledgement receipt zaroor lein
Auto-debit band karne ke baad aapke paas 3 tareeke hain apna share jama karne ke.
CSC Center
Yeh sabse aasan tareeqa hai gaon mein rehne wale farmers ke liye. Apne nazdeeki CSC center jayein. VLE (Village Level Entrepreneur) ke paas PM-KMY portal ka access hota hai. Aap cash dekar apna due amount jama karwa sakte hain. CSC wala aapko ek receipt dega — usse sambhal kar rakhein.
Online (maandhan.in)
Agar aapke paas smartphone hai aur thodi internet samajh hai, toh aap official portal pe login karke payment kar sakte hain. Debit card, UPI, ya net banking se transaction ho jata hai. Login ke liye aapka registered mobile number aur OTP chahiye hoga.
Bank Branch
Kuch banks direct contribution accept karti hain pension schemes ke liye. Apni bank branch mein poochhiye ke kya woh PM-KMY ka payment accept karti hain. Agar haan, toh aap wahan cash ya cheque se jama karwa sakte hain. Lekin yeh facility har bank mein available nahi hoti, isliye pehle confirm kar lein.
❓ "Kya government ne meri marzi ke bagair paisa kat liya?"
Nahi. Aapne hi enrollment form mein consent di thi. Form mein clearly likha hota hai ke aap authorize kar rahe hain automatic debit ke liye. Agar aapko yaad nahi, toh shayad CSC operator ne theek se explain nahi kiya tha. Lekin legally aapne sign kiya hai, isliye bank debit karne ka haq rakhta hai.
❓ "Kya main Maandhan se nikal kar PM Kisan ka pura paisa le sakta hoon?"
Dono schemes ka koi direct link nahi hai. PM Kisan ka paisa aapko milta hi rahega chahe aap Maandhan mein ho ya na ho. Maandhan se exit karne ke rules aapke joining ke saalon par depend karte hain: 10 saal se pehle exit karne par sirf aapka deposited amount + savings bank interest wapas milta hai. 10 saal ke baad (lekin 60 saal se pehle) exit karne par contribution + accumulated interest milta hai.
❓ "Mera share zyada kyun kat raha hai? Maine toh ₹55 bola tha."
Share aapki entry age ke hisaab se fix hota hai. 18 saal pe ₹55, 25 pe ₹80, 30 pe ₹105, 40 pe ₹200. Agar zyada kat raha hai, toh ho sakta hai enrollment ke waqt aapki date of birth galat enter hui ho. Date of birth kabhi change nahi hoti, lekin agar genuine mistake hai toh CSC pe correction request daal sakte hain.
❓ "Kya main apna share amount baad mein badal sakta hoon?"
Nahi. Entry age ke hisaab se jo amount fix hua hai, woh poori scheme duration ke liye wahi rehta hai. Isliye enrollment se pehle apni financial situation zaroor dekh lein.
Gaon mein ek-doosre se baat karke bhi clarity aa sakti hai
Kai kisanon ke man mein yeh sawal rehta hai ke "Mera paisa kahan jaa raha hai? Koi bank mein jama ho raha hai ya kisi ne kha liya?"
Aapka paisa bilkul safe hai. PM-KMY ek Central Sector Scheme hai jise Ministry of Agriculture & Farmers Welfare administer karta hai. Pension fund manager LIC of India hai — jo Life Insurance Corporation Act, 1956 ke under established statutory corporation hai. Matlab yeh government ki hi company hai.
Aapka share aur government ka matching share dono alag alag track hote hain. Government ka co-contribution separately maintain hota hai LIC ke paas. Yeh amount pension payout ke liye use hota hai. Agar aap premature exit lete hain, toh sirf aapka deposited amount + interest wapas milta hai. Government ka share pension fund mein transfer ho jata hai wapas.
Har contribution jama hone par aapke registered mobile number par SMS confirmation aata hai. Apna balance ya status verify karne ke liye maandhan.in ya pmkmy.gov.in portal par apna KPAN number ya mobile number daal kar login kar sakte hain, ya nazdeeki CSC center se bhi pata kar sakte hain.
60 saal ke baad jo ₹3000 monthly pension milti hai, woh bhi LIC hi disburse karti hai. Pension aapke registered bank account mein credit hoti hai. Family pension ka provision bhi hai — agar subscriber ki death 60 saal ke baad hoti hai, toh spouse ko 50% pension (₹1500/month) milti hai.
PM-KMY Auto Debit Aur Contribution — Sawal Jawab
Auto-debit ek facility hai, ek zabardasti nahi. Aapne enrollment ke waqt chuna tha, aur aap kabhi bhi band karwa sakte hain. Lekin band karne se monthly contribution ki responsibility aapki ban jati hai. Har mahine time par payment karna na bhoolein, warna default hone se aapki 60 saal ki pension khatre mein pad sakti hai.
PM Kisan Maandhan Official Portal
Government of India — pmkmy.gov.in
CSC ya online application se apply karne ka poora tarika, screenshot ke saath.
Read More →Umar daliye aur turant dekhiye har mahine kitna jama karna hoga.
Read More →Agar 60 saal se pehle scheme chhodni pade toh paisa kaise wapas milta hai.
Read More →PM Kisan Experts & Annadata Advocates
Indian kisaanon ko government schemes navigate karne mein help karne wala independent expert team.
🔄 Last Updated: 24 जुलाई 2026
KisanStatus.com — Quick Links