दिवाली में होगा 3 लाख किसानो का कर्ज माफ़, ऐसे करे लिस्ट में अपना नाम चेक

Kisan Karj Mafi Yojana 2023 – Complete Guide

About the Scheme

The Government of India has launched the Kisan Karj Mafi Yojana 2023 to provide debt relief to small and marginal farmers who are unable to repay loans taken for agricultural purposes. The scheme is announced during the festive Diwali season and is implemented by individual state governments, currently Uttar Pradesh and Jharkhand, based on a centrally approved framework.

Eligibility Criteria

• Annual family income must be ≤ ₹2,00,000.
• Loan must have been taken through a Kisan Credit Card or a bank agricultural loan.
• Crop loss due to adverse weather or other natural calamities.
• Ownership of at least 3 hectares of cultivable land.

Debt Relief Amount

Farmers with loan amounts ranging from ₹1,000 to ₹1,00,000 are eligible for full waiver under the scheme.

How to Apply

• Visit the official Kisan Karj Mafi Yojana website of your state.
• Download the application form available on the portal.
• Fill the form and attach a declaration stating inability to repay the loan.
• Submit the completed form at your bank branch; the bank forwards the information to the state government.
• The government compiles a list of eligible farmers and publishes it online.

Checking the Online Waiver List

To verify whether your name appears in the released list:

1. Go to the official Kisan Karj Mafi Yojana website (link provided on the portal).
2. Click on the “Loan Waiver” or “Karb Mafi” section.
3. Select your State → District → Block → Gram Panchayat.
4. The system will display the list of beneficiaries; locate your name.

Why Join This Initiative?

• Zero application fee – the entire process is free of charge.
• Direct government support removes the burden of agricultural debt.
• Helps sustain farming operations and improve rural livelihoods.

Official Links

• Uttar Pradesh Kisan Karj Mafi Official Portal
• Jharkhand Kisan Karj Mafi Official Portal

Related Categories

• Latest Jobs
• Govt Jobs
• Results
• Admit Card
• Scholarships

FAQ

• Who can apply for Kisan Karj Mafi Yojana? Farmers with annual income ≤ ₹2 lakh, holding at least 3 ha of cultivable land, and having a loan via Kisan Credit Card or bank.
• Is there any application fee? No. The application process is completely free.
• What is the maximum loan amount that can be waived? Up to ₹1,00,000 per eligible farmer in Uttar Pradesh and Jharkhand.
• How is the beneficiary list prepared? Banks submit the applications of distressed farmers to the state government, which then publishes the final list online.
• Can farmers from other states apply? Each state releases its own list; farmers should check their respective state portal.
• What documents are required? Filled application form, loan statement, proof of crop loss, and land ownership documents.
• When will the waiver amount be disbursed? After the list is finalized, the government releases the waiver directly to the respective banks.
• What if my name is not on the list? You may re‑apply in the next cycle or approach the bank for further assistance.

Conclusion

The Kisan Karj Mafi Yojana 2023 offers a vital lifeline to farmers facing loan distress due to crop failures. By meeting simple eligibility criteria and following a straightforward application process through your bank, eligible farmers can receive up to ₹1 lakh in debt waiver. Regularly check the official state portals for the latest beneficiary lists and ensure you submit all required documents promptly to benefit from this scheme.