Mahatma Jyotirao Phule Shetkari Karjmukti Yojana
A waiver of an outstanding short-term crop loan up to ₹2 lakh — clearing the default so the farmer is bankable for the next season.
Run by: Co-operation, Marketing & Textiles Department, Government of Maharashtra
- Waiver ceiling
- ₹2 lakh
- Loan type
- Short-term crop loan
- Verification
- Aadhaar-authenticated
- Run by
- Co-operation Department
Overview
A crop loan that has gone bad is not just a debt; it is a lock on future credit. This scheme, run by the cooperation department, waives an outstanding short-term crop loan up to ₹2 lakh, so a farmer stuck as a defaulter can borrow again from a bank instead of a moneylender.
The ₹2 lakh ceiling is the key figure — an earlier design capped relief lower and only rewarded timely repayment, and successive revisions moved it to a full waiver up to ₹2 lakh for eligible short-term crop-loan accounts. Verification is against the bank’s loan records and is Aadhaar-authenticated, so the beneficiary confirms identity before the account is cleared.
What you get
The benefit as the state notifies it — nothing here is an estimate.
- An outstanding short-term crop loan cleared, up to ₹2 lakh, in a single waiver.
- Restores eligibility for fresh crop credit, ending dependence on the moneylender.
- A ceiling raised over successive revisions to a full ₹2 lakh, not a partial repayment incentive.
- Aadhaar-authenticated so the right beneficiary’s account is the one cleared.
Who is eligible
State schemes usually state their criteria as prose rather than a checklist. This is that prose, unpacked — the department’s verification is what decides.
You qualify if
- Farmer in Maharashtra with a short-term crop loan account
- Loan outstanding within the qualifying period the scheme notifies
- Aadhaar linked to the loan account for authentication
- Account classified within the eligible category
Not covered
- Loans above the ₹2 lakh ceiling (only the ceiling is cleared)
- Accounts outside the notified qualifying window or category
Documents you need
Have these ready before you start — most rejections are a missing paper, not a missing right.
- Aadhaar card (for authentication)
- Crop loan / KCC account details
- Bank passbook
- Ration card where required
How to apply
Fewer steps than a central scheme, and usually one office rather than a portal.
- 1
Check the beneficiary list
Eligible accounts are drawn from the banks’ loan records and published. Check the list against your loan account number.
- 2
Authenticate with Aadhaar
Confirm your identity by Aadhaar authentication at the designated centre, which ties the waiver to the right account.
- 3
Loan account cleared
On verification, the eligible outstanding up to ₹2 lakh is credited to the loan account, closing the default.
Frequently asked questions
How much of my loan is waived?
Up to ₹2 lakh of an outstanding short-term crop loan. If your outstanding is above that, the ₹2 lakh ceiling is cleared and the rest remains.
Why do I have to authenticate with Aadhaar?
To confirm you are the genuine borrower before the account is cleared. The waiver is tied to the verified beneficiary, not just the account number.
Does this restore my ability to take a new loan?
Yes — clearing the default is the point. Once the account is settled you are bankable again for the next season’s crop credit.
Facts checked against mahasahakar.maharashtra.gov.in on 24 July 2026. editorial policy.