Punyashlok Ahilyadevi Holkar Shetkari Karj Mafi Yojana :- ई-केवाईसी प्रक्रिया शुरू , ऋण मुक्त सूची
Scheme Introduction: A Brief Overview
At an event held in Mumbai, the state government -under the leadership of Hon. Chief Minister Shri Devendraji Fadnavis- provided significant relief to the state’s farmers by waiving loans of up to ₹2 lakh under the ‘Punyashlok Ahilyadevi Holkar Kisan Loan Waiver Scheme.’
Following this historic decision, a grand felicitation ceremony was organized for Hon. Chief Minister Shri Devendraji Fadnavis on behalf of the farmer brothers and sisters of Maharashtra. The opportunity to interact with the farmers proved to be truly beneficial.
Today, I participated in a ceremony honoring and expressing gratitude to farmers—held under the ‘Punyashlok Ahilyadevi Holkar Shetkari Karjamukti Yojana 2026’ in Maharashtra—and inaugurated the state-level agricultural festival, ‘Karmayogi Sudhakarpant Paricharak Krishi Pandhari – 2026’.
It is heartening to see this farmers’ conference bringing together modern agricultural techniques, new methods, and government schemes, thereby providing our farmers with access to new opportunities, information, and innovations.
Today also marked the launch of the ‘Punyashlok Ahilyadevi Holkar Shetkari Karjamukti Yojana 2026’, which will benefit 56 lakh farmers. In the first phase, 17 lakh farmers will receive assistance amounting to ₹13,000 crore. On this occasion, seven representative farmers from Solapur were presented with loan waiver certificates and financial aid, marking the commencement of the scheme’s benefits for farmers across Maharashtra. Through the ‘Mukhyamantri Baliraja Mofat Veej Yojana’, farmers are being provided with free electricity, while a reliable power supply is also being ensured.
“The first list of 17,00,000 farmers under the debt waiver scheme has been announced in the city of Panduranga. ₹13,000 crore will be deposited in the accounts of farmers before July 31.”
Historic Decision: Punyashloka Ahilyadevi Holkar Farmer Debt Waiver Scheme
Benefit of loan waiver up to Rs. 2 lakh
- even if the outstanding amount is more than Rs. 2 lakh Loan waiver up to Rs. 2 lakh will be available
- The Rs 50,000 benefit limit in the previous scheme has now been completely removed.
- A historic fund of Rs 36,585 crore will be distributed to directly benefit 56 lakh farmers
- The onerous repayment condition has been abolished. The regular loan repayment condition for 2026-27 will no longer be applicable
Table of Contents
Karj Mafi Yojana Important points
- Loan waiver lists will be published in every village.
- Farmers must do Aadhaar authentication
- Farmers will verify the information filled in by the bank.
- If the information is correct, the loan waiver amount will.
Karj Mafi Yojana Scheme Benefits
How to get the benefits of Punyashlok Ahilyadevi Holkar Farmer Loan Waiver Scheme
- First of all, make sure whether your crop loan is eligible for this scheme or not.
- Visit the respective bank branch to confirm that your loan account information and KYC details are updated.
- Check if the Aadhaar linking process with your bank account is complete or not.
- Contact the bank branch to get information about inclusion of your name in the list of eligible beneficiaries.
- If you find any errors in the documents, get them rectified in time.
- Keep checking your updates till the bank and government verification process is completed for final approval.
Loans amounting to approximately ₹13,000 crore will be waived for 17 lakh farmers eligible under the farm loan waiver scheme. Following Aadhaar authentication and provided there are no issues regarding tax-linked accounts, the amount will be credited to the farmers’ accounts without delay. Cooperation Minister Patil stated that the verification of the list of remaining defaulters is underway, and they too will receive the benefit of the loan waiver in phases.
One Time Settlement (OTS) for Loans Above Rs. 2 Lakh
- According to the information provided by the Minister for Cooperation, the list of eligible beneficiaries for the scheme has been uploaded by the respective banks via MahaIT.
- This data has been uploaded to the designated portal, and the preliminary verification process has been completed.
- Notifications are being sent via SMS to the registered mobile numbers of eligible farmers to facilitate the subsequent Aadhaar authentication process.
- Additionally, for public information, the list of beneficiaries will be displayed at Gram Panchayat offices, various executive service cooperative societies, and the branches of the concerned banks.
- To ensure transparency in the scheme, each eligible beneficiary will be assigned a Unique Identification Number (Unique ID).
- Farmers will be able to complete the authentication process using their Aadhaar numbers.
- This facility has been made available at approximately 32,000 “Aaple Sarkar Seva Kendras” across the state.
- Once the registration on Agristack and the Aadhaar authentication process are complete, the loan waiver amount will be credited directly to the farmers’ loan accounts through the ‘Direct Benefit Transfer’ system.
Karj Mafi Yojana Eligibility Requirements
1. This incentive scheme has been implemented to foster financial discipline and the habit of timely loan repayment among farmers.
2. Eligible farmers will receive an incentive benefit of up to a maximum of ₹50,000.
3. The farmer must have availed a crop loan in any two of the following financial years: 2022-23, 2023-24, and 2024-25.
4. Repayment of the respective crop loan must be made by June 30th following the end of the financial year or by the deadline set by the bank, whichever is later.
5. Only farmers who repay their loans within the stipulated timeframe will be eligible for the incentive amount.
6. If the farmer has also availed short-term crop loans during 2025-26 and 2026-27, timely repayment of those loans is also mandatory.
7. A farmer remains eligible for the incentive even if the short-term crop loan availed and timely repaid during 2023-24 or 2024-25 is less than ₹50,000.
8. In such cases, the incentive amount will be determined based on the actual amount repaid by the farmer (principal + interest).
9. If the actual amount repaid is less than ₹5,000, the farmer will still receive a minimum incentive of ₹5,000.
10. The farmer will be provided an incentive benefit of up to a maximum of ₹50,000, calculated based on either the actual amount repaid (principal + interest) or a minimum of ₹5,000, whichever is higher.
Karj Mafi Yojana For Loan Waiver Benefits
The state government has relaxed the eligibility criteria for the loan waiver scheme. Key features of these changes include raising the loan waiver limit, making farmers who had previously availed of the benefit eligible again, and easing the conditions for incentive benefits.
Key conditions for ‘loan waiver’
Farmers who have availed of crop loans under this scheme and failed to repay them within the government-mandated timeframe (i.e., defaulted) will be eligible. Aadhaar linking, bank account verification, and other conditions stipulated by the government will apply to avail of this benefit.
Karj Mafi Yojana For Incentive Benefit to Regular Loan Repayment Farmers
New amendments and relaxed conditions
50 thousand rupees limit cancelled
- The limit of Rs 50,000 in the 2019 scheme has now been abolished, all eligible farmers will get benefits up to Rs 2 lakh.
Extra discount for regular borrowers
- The onerous condition of taking out new loans in 2026-27 has been completely removed for regular loan payers.
All banks included
- Transparent selection of beneficiaries based on information from nationalized, commercial, private and district intermediary banks.
Who is Not Eligible? Karj Mafi Yojana
The following persons will not be eligible to avail the benefits of the scheme
- Serving and former ministers, Members of Parliament (MPs), Members of Legislative Assembly (MLAs), Members of Legislative Council (MLCs), as well as representatives of Zila Parishads, Panchayat Samitis, Municipal Corporations, Municipal Councils, and Nagar Panchayats, shall not be eligible for this scheme.
- All officers/employees of the Central and State Governments (persons with a combined monthly salary of more than Rs. 25,000/-).
- Officers and employees of State Public Sector Undertakings (e.g. Mahavitaran, Maharashtra Industrial Development Corporation, ST Corporation etc.) and aided institutions. (Persons with a combined monthly salary of more than Rs. 25,000/-).
- Persons paying income tax from non-agricultural income.
- Pensioners whose monthly pension is more than Rs. 25,000/- (excluding ex-servicemen).
- Office bearers (President, Vice President and Board of Directors), officers and employees of Agricultural Produce Market Committees, Cooperative Sugar Factories, Cooperative Spinning Mills, Urban Cooperative Banks, District Central Cooperative Banks, Maharashtra State Cooperative Bank Ltd., Cooperative Milk Union whose combined salary is more than Rs. 25,000/-.
- However, seasonal workers of Cooperative Sugar Factories will not be eligible for the scheme.
Karj Mafi Yojana Required Documents
- Aadhaar Card.
- Mobile Number linked with Aadhaar.
- Agristack Farmer Registry Number.
- Crop Loan Account Details.
- Bank Account Details.
- Land Record Details, if required during verification.
- Any additional documents prescribed by the implementing authority.
Registry?
Once the registration on Agristack and the Aadhaar authentication process are complete, the loan waiver amount will be credited directly to the farmers’ loan accounts through the ‘Direct Benefit Transfer’ system.
Steps to Apply KYC Kaise Kare Karj Mafi Yojana
Punyashlok Ahilyadevi Holkar Farmer Loan Waiver Scheme; List of 10,467 eligible farmers in the district published
- Lists available at Gram Panchayat, Talathi office, and banks.
- Eligible farmers must complete Aadhaar authentication (e-KYC).
- Linking Aadhaar with a bank account is mandatory.
Follow these essential steps to claim your crop loan waiver benefit:
- Verify Eligibility: Check if your crop loan falls under the scheme guidelines.
- KYC Updates: Visit your bank branch to confirm your loan account information is updated.
- Aadhaar Linking: Ensure your Aadhaar card is successfully linked to your bank account.
- Beneficiary List: Contact your bank to check if your name is on the approved list.
- Fix Errors: Correct any documentation mistakes immediately to avoid processing delays.
Apply process in online
- The process of implementing this scheme will be entirely online. Accordingly, guidelines for various components will be issued by the department.
Step 1: First, visit the official website at https://aaplesarkar.mahaonline.gov.in/en.
Step 2: On the homepage, click on the “Karj Mafi” tab shown below, or click directly on this link: https://aaplesarkar.mahaonline.gov.in/en.
Step 3: On the new page that opens, candidates can click on the “Karj Mafi Sign In” tab shown below to sign in or register.
Step 4: After clicking this link, the login window for the “Punyashlok Ahilyadevi Holkar Shetkari Karjmukti Yojana” will appear, as shown below.
Step 5: Click on the “Sign Up” option here, and the online registration form for the Karj Mafi scheme will appear, as shown below.
Step 6: Here, candidates can accurately fill in all the required information and submit the completed Karj Mafi registration form.
Finally, candidates will receive a username and password, which will be required to log in to the Karj Mafi portal.