Kardata Kalyan Yojana is Now LIVE! Some Important T&Cs to keep in mind before you proceed Your current PMKKY eligibility will depend on the income tax you paid in the previous year. For example, if you have paid 8 lakh in income in FY25, you will be issued a Gold card for FY25-26. If you pay less than 5 lakh in tax income in FY26, then you will be downgraded to the Silver Tier in the next financial year. Discount on school fees is only available if paid through Rupay Cards. Discount will only be