The Haryana Chief Minister Family Prosperity Scheme officially known as Mukhyamantri Parivar Samridhi Yojana or MMPSY is one of the largest and most comprehensive social security schemes ever launched by any state government in India.
The scheme was launched on 21 August 2019 by Chief Minister Manohar Lal Khattar and is implemented by the Finance Department of the Government of Haryana. It is managed through the official portal at cm-psy.haryana.gov.in.
The core idea behind MMPSY is both simple and powerful. There are multiple excellent central government schemes that provide life insurance, accident insurance, pension benefits, and crop insurance to citizens at extremely affordable premiums. But the reality is that most poor families in Haryana — small farmers, daily wage workers, unorganised workers, small shopkeepers — either do not know these schemes exist or simply cannot afford to pay even the small premiums required to enroll in them.
MMPSY bridges that gap completely. The Haryana Government collects Rs. 6,000 per eligible family per year from the state budget and uses that money to pay the premium on the family’s behalf for whichever central government schemes they are eligible for. The family gets enrolled in multiple insurance and pension schemes simultaneously without paying a single rupee from their own pocket.
It is social security delivered in the most practical and direct way possible.
Details | Information |
Scheme Name | Mukhyamantri Parivar Samridhi Yojana MMPSY |
Also Known As | Haryana Chief Minister Family Prosperity Scheme |
Launch Date | 21 August 2019 |
Launched By | Chief Minister Manohar Lal Khattar, Haryana |
Implemented By | Finance Department, Government of Haryana |
Annual Benefit Per Family | Rs. 6,000 per Year |
Payment Mode | Direct Benefit Transfer DBT |
Income Limit | Annual Family Income Up to Rs. 1.80 Lakh |
Land Holding Limit | Up to 2 Hectares or 5 Acres |
Expected Beneficiaries | 15 to 20 Lakh Families |
Application Modes | Online and Offline Both |
Official Portal | |
Helpline | 1800-2000-023 |
Let us get straight to the eligibility conditions so you know exactly where you stand:
Residency
The family must be a permanent resident of Haryana. This scheme is only for families living in Haryana and families from other states are not eligible.
Annual Income
The total annual income of the family from all sources must not exceed Rs. 1.80 lakh per year — which means Rs. 15,000 per month. This income limit is verified through the Parivar Pehchan Patra PPP Family ID database. Make sure your income details in the Family ID are accurately updated.
Land Holding
For farming families the total land holding of the family must not be more than 2 hectares or 5 acres. Families with more than 2 hectares of land are not eligible for MMPSY.
Small Traders
Small businessmen and traders with an annual business turnover up to Rs. 1.5 crore are also eligible for MMPSY. This makes the scheme remarkably inclusive — it covers not just farmers and daily wage workers but also the small trading community.
Age of Beneficiary
The beneficiary family member for whom insurance and pension benefits will be enrolled must be between 18 and 50 years of age.
Family ID
A valid Parivar Pehchan Patra PPP Family ID is absolutely mandatory. Without a valid and updated Family ID no family can access MMPSY benefits. This is non-negotiable.
Quick Summary:
Condition | Requirement |
Residency | Permanent Resident of Haryana |
Annual Family Income | Up to Rs. 1.80 Lakh |
Land Holding | Up to 2 Hectares or 5 Acres for Farmers |
Small Traders | Annual Turnover Up to Rs. 1.50 Crore |
Age of Beneficiary | 18 to 50 Years |
Family ID | Valid PPP Family ID Mandatory |
This is the heart of MMPSY and the part that makes this scheme genuinely different from anything else. The Rs. 6,000 per year that each eligible family receives is not given as cash to spend freely. It is invested on the family’s behalf to give them access to a complete social security package through multiple central government schemes simultaneously.
Life Insurance — Pradhan Mantri Jeevan Jyoti Bima Yojana PMJJBY
Under MMPSY the government pays Rs. 330 per year as the annual premium for life insurance under PMJJBY for eligible family members between 18 and 50 years of age. In return if the insured family member dies for any reason — natural death or accidental — the family receives Rs. 2 lakh as life insurance compensation. This is the most fundamental protection a poor family can have and MMPSY makes it available to them at zero personal cost.
Accident Insurance — Pradhan Mantri Suraksha Bima Yojana PMSBY
The government pays Rs. 12 per year as the annual premium for accidental insurance under PMSBY. In case of accidental death or permanent total disability the family or individual receives Rs. 2 lakh. In case of permanent partial disability they receive Rs. 1 lakh. Just Rs. 12 a year for Rs. 2 lakh of accident protection — and under MMPSY even that Rs. 12 is paid by the government.
Pension After Age 60 — Three Pension Scheme Options
This is where MMPSY becomes truly life-changing for unorganised workers, farmers, and small traders who have no formal pension system behind them.
Under MMPSY eligible family members between 18 and 40 years of age are enrolled in one of three pension schemes depending on their occupation:
PM Shram Yogi Maan-Dhan Yojana PM-SYM — For unorganised sector workers. Monthly contribution ranges from Rs. 55 to Rs. 200 depending on age. Upon reaching 60 years of age the beneficiary receives a fixed monthly pension of Rs. 3,000 for the rest of their life.
PM Kisan Maan-Dhan Yojana PM-KMY — For small and marginal farmers. Same contribution range of Rs. 55 to Rs. 200 per month. Same guaranteed monthly pension of Rs. 3,000 after the age of 60.
PM Laghu Vyapari Maan-Dhan Yojana PM-LVMY — For small traders and shopkeepers with GST registration. Same structure — monthly contribution and Rs. 3,000 monthly pension after 60.
Under MMPSY the state government pays the beneficiary’s share of these monthly contributions from the Rs. 6,000 annual amount. So the worker, farmer, or trader is building a pension for their old age and not paying a single rupee for it from their own earnings.
Crop Insurance for Farmers — PM Fasal Bima Yojana PMFBY
For farming families the government also uses part of the MMPSY amount to pay the beneficiary’s share of the crop insurance premium under PM Fasal Bima Yojana. This protects farmers from financial losses caused by natural disasters, drought, flood, or crop disease. For a small farmer who depends entirely on one or two seasons of crops this protection can be the difference between surviving a bad year and falling into debt that takes years to recover from.
Family Provident Fund
If after paying all the applicable premiums for insurance and pension schemes there is any amount left over from the Rs. 6,000 annual benefit that remaining amount is credited to the family’s own Family Provident Fund account. This acts as a small savings fund that accumulates over time and belongs entirely to the family.
Special Benefit for COVID-19 Deaths
Under an important amendment to MMPSY all BPL families with annual income below Rs. 1.80 lakh whose family member between 18 and 50 years of age died due to COVID-19 between 1 March 2021 and 31 May 2021 received Rs. 2 lakh as compensation. This was an additional relief measure added to the scheme to support families that were hit hardest by the pandemic.
Benefit | Scheme | Amount |
Life Insurance Premium | PMJJBY | Rs. 330 per Year |
Life Insurance Cover | PMJJBY | Rs. 2 Lakh on Death |
Accident Insurance Premium | PMSBY | Rs. 12 per Year |
Accident Insurance Cover | PMSBY | Rs. 2 Lakh on Accidental Death or Total Disability |
Pension Contribution | PM-SYM / PM-KMY / PM-LVMY | Rs. 55 to Rs. 200 per Month |
Monthly Pension After 60 | PM-SYM / PM-KMY / PM-LVMY | Rs. 3,000 per Month |
Crop Insurance | PMFBY | Applicable Premium Paid |
Remaining Amount | Family Provident Fund | Credited to Family Account |
Before applying make sure you have all these documents ready:
- Aadhaar Card of all family members
- Parivar Pehchan Patra PPP Family ID
- Income Certificate confirming annual income below Rs. 1.80 lakh
- Bank Account passbook — account must be in the name of the family member
- Land records if the family is engaged in farming — to confirm land holding below 2 hectares
- GST registration certificate if applying as a small trader
- Passport size photograph of the head of the family
- Age proof — birth certificate or school certificate of the beneficiary family member
The application for MMPSY can be done both online and offline. Here is the complete process for both:
A lot of people assume that applying online for a government scheme is going to be complicated and confusing. With MMPSY it genuinely is not. Just go through these steps one at a time and you will have everything done before you know it:
Open your phone browser or sit at your computer and go to cm-psy.haryana.gov.in. This is the one and only official portal for MMPSY and everything you need is right here. Before you start entering any personal details just pause for one second and look at the URL in your browser. Make sure it is exactly right — every letter of it. It takes one second and it protects you completely from fake websites that are designed to look exactly like the real thing.
Once you are on the homepage look for the Citizen Login option and click on it. The portal will ask you whether you have a PPP Family ID. If you do type in your 8-digit Family ID and move ahead.
If you do not have a Family ID yet then stop here and do not go any further with this process. Go to your nearest Common Service Centre first and get your Family ID made. There is simply no way around this — a valid PPP Family ID is the absolute starting point of the entire MMPSY application. Without it the portal will not let you proceed no matter what else you do.
After your Family ID is entered an OTP will arrive on the mobile number that is linked to your Aadhaar. Pick up your phone, enter the OTP carefully, and your family dashboard will open right up.
One thing to make sure before you sit down for this step — the mobile number linked to your Aadhaar must be active and physically in your hand at that moment. Not switched off, not with someone else, not on silent in another room. Right there with you. Because if that OTP does not reach you or you miss it you simply cannot move forward and will have to start again.
When your dashboard opens the application form will already have your basic family details filled in automatically from the PPP database. That is genuinely convenient and saves you a lot of typing. But here is something important — do not assume that everything pre-filled is automatically correct. Go through those pre-filled details and read them. If something looks wrong note it down.
Now fill in the remaining fields that need your input. Your land holding details if your family does farming. Your family income. The occupation of each eligible family member. And your bank account details where the direct benefit transfer will go.
Pull out all your documents and keep them right beside you as you fill. Check each detail against your documents as you go. What you write here must match what is on your documents exactly. This is not the step to rush through or fill casually — getting these details right the first time saves you from corrections and delays later.
Once the form details are filled the portal will show you the social security options that you are eligible for based on your age and your occupation. This is an important step so slow down here and read properly before clicking anything.
If you are an unorganised sector worker you will see PM Shram Yogi Maan-Dhan Yojana as your pension option. If you are a small or marginal farmer it will show PM Kisan Maan-Dhan Yojana. If you are a small trader or shopkeeper it will show PM Laghu Vyapari Maan-Dhan Yojana. The insurance scheme options will also appear alongside.
Read each option clearly, understand what it means for your family, and then select the ones that apply to your situation. What you select here is what your family actually receives as benefits under MMPSY. A few extra minutes of careful reading at this step is worth more than hours of trying to fix a wrong selection later.
You are almost done. But before you hit that submit button just take one quiet moment and scroll back through your entire application from the very top. Read every field you filled in. Check every option you selected. Make sure absolutely nothing looks wrong, incomplete, or missing.
Once you are fully satisfied that everything is correct and complete go ahead and submit your MMPSY application.
The moment it goes through successfully a confirmation will appear on your screen. Do not close that page without saving it first. If you have a printer nearby print that confirmation page immediately and keep it safely. If not take a clear screenshot and save it somewhere you will actually find it. That confirmation is your proof that your MMPSY application was submitted successfully and you will want it if any question or follow-up ever comes up later.
If you are not comfortable with online application you can visit any of these centres and get your MMPSY application completed with the help of the centre operator:
- Antyodaya Kendras
- SARAL Kendras
- Atal Sewa Kendras
- Common Service Centres CSC
- Gas Agencies
Just carry all your documents to your nearest centre. The operator will fill in the application form on your behalf and complete the registration process. The process is completely free at all these centres.
After applying you can check your application status easily:
Step 1: Go to cm-psy.haryana.gov.in and log in with your Family ID
Step 2: On your dashboard look for the Application Status section
Step 3: Your current MMPSY application status will appear on screen
You can also call the helpline at 1800-2000-023 to check your application status or resolve any queries about MMPSY.
A few things every family should keep in mind before and after applying:
Your PPP Family ID must be active and updated with the correct income details before applying because all eligibility verification happens through it. The scheme benefit of Rs. 6,000 is invested in insurance and pension premiums on your behalf — it does not come as free cash. At least one family member in the eligible 18 to 40 age group must exercise their pension option to get the full benefit of MMPSY. The bank account you register must be in the name of the family member receiving the benefit and must be linked to Aadhaar. The entire application process at CSC centres and SARAL Kendras is completely free — never pay anyone for applying. And check your registered mobile number regularly for updates and payment notifications from MMPSY.
Contact | Details |
Official Portal | |
Helpline Number | 1800-2000-023 Toll Free |
SARAL Helpline | 1800-2000-023 |
Finance Department | |
PPP Portal |
The Haryana Chief Minister Family Prosperity Scheme officially known as Mukhyamantri Parivar Samridhi Yojana or MMPSY is a comprehensive social security scheme launched by the Haryana Government on 21 August 2019. Under this scheme each eligible family with annual income below Rs. 1.80 lakh receives Rs. 6,000 per year. This amount is used to pay premiums for life insurance, accident insurance, pension schemes, and crop insurance on the family's behalf. The goal is to give every poor family in Haryana access to a complete social security package at zero personal cost.
Each eligible family gets Rs. 6,000 per year under MMPSY. This is not given as direct cash. It is used to pay premiums for PMJJBY life insurance of Rs. 330, PMSBY accident insurance of Rs. 12, monthly pension contributions of Rs. 55 to Rs. 200, and crop insurance premiums for farming families. Any amount remaining after all premiums are paid is credited to the family's own provident fund account.
Families permanently residing in Haryana with annual income below Rs. 1.80 lakh are eligible. Farming families must have land holdings of 2 hectares or less. Small traders with annual turnover up to Rs. 1.50 crore are also covered. The beneficiary family member must be between 18 and 50 years of age. A valid PPP Family ID is mandatory for all applicants.
Eligible family members between 18 and 40 years of age are enrolled in a pension scheme under MMPSY — either PM Shram Yogi Maan-Dhan Yojana for unorganised workers, PM Kisan Maan-Dhan Yojana for farmers, or PM Laghu Vyapari Maan-Dhan Yojana for small traders. The government pays the monthly contribution from the Rs. 6,000 annual amount. Once the beneficiary turns 60 years old they receive a guaranteed monthly pension of Rs. 3,000 for the rest of their life.
Applying for MMPSY is straightforward and you have two options depending on what works best for you.
If you are comfortable using a phone or computer you can apply online directly at cm-psy.haryana.gov.in. All you need is your PPP Family ID and the OTP that comes to your Aadhaar-linked mobile number. The entire process happens on the portal from start to finish.
If online does not feel comfortable or you would rather have someone help you in person just walk into your nearest Antyodaya Kendra, SARAL Kendra, Common Service Centre, or even your local Gas Agency. The operator there will sit with you and complete the entire application on your behalf. You do not need to know anything about the online process — just show up with your documents and they will handle it.
Either way the process is completely free. Not a single rupee is charged for applying. When you go just make sure you carry your Aadhaar card, PPP Family ID, income certificate, bank passbook, and land records if your family is involved in farming. Having everything ready in one place makes the whole thing smooth and quick.
This is actually one of the most thoughtful parts of how MMPSY is designed and most people do not know about it.
After the government uses your Rs. 6,000 annual benefit to pay the premiums for all applicable insurance and pension schemes on your behalf, whatever amount is left over does not go back to the government. It does not disappear. It gets credited directly into your family's own Family Provident Fund account.
Think of it as a quiet little savings fund that keeps building up in the background year after year. It belongs completely to your family — nobody else has a claim on it. And over time as it accumulates it becomes a small but real financial cushion that your family can fall back on when needed.
So every rupee of that Rs. 6,000 works for your family in one way or another. Either it is buying your family protection through insurance and pension or it is quietly growing in your own provident fund. Nothing is wasted.