Maharashtra Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana provides ₹2 lakh loan waiver to eligible farmers. Check your status at mjpskyloanwaiver.mahait.org and get ₹50K incentive for regular repayers.
महाराष्ट्र के किसानों को ₹2 लाख तक कर्जमाफी और नियमित चुकाने वालों को ₹50,000 प्रोत्साहन। mjpskyloanwaiver.mahait.org पर स्टेटस जांचें।
📢 Latest Update — June 2026:
The Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana remains Maharashtra's flagship farm-loan relief scheme, waiving crop loans of up to ₹2 lakh for eligible farmers and paying a ₹50,000 incentive to farmers who repaid their loans on time. If you have already applied or been listed, the most useful thing to do now is verify your beneficiary status on the official portal and confirm your Aadhaar is linked and seeded with an active bank account so the credit is not held up. New and pending applicants should keep their 7/12 extract, loan passbook and income certificate ready. Always confirm the current amounts, cut-off dates and portal links on the official website before relying on them.
⚡ Key Facts at a Glance
What is the Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana?
The Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana is the Maharashtra government's loan-waiver scheme for farmers struggling under the weight of agricultural debt. Under the scheme, eligible farmers receive a crop-loan waiver of up to ₹2 lakh, while farmers who kept up their repayments are rewarded with a ₹50,000 incentive credited directly to their bank account through Direct Benefit Transfer (DBT). You can read the full state-page summary on our Shetkari Karj Mukti Yojana scheme page.
The scheme has two clear goals. First, it lifts the burden of outstanding crop loans from small and marginal farmers who could not repay, giving them a fresh start. Second, it makes sure honest farmers who paid on time are not left feeling penalised — they receive a financial reward instead. Because the money moves through DBT, there is no middleman: the waiver is adjusted against the loan account and the incentive lands directly in the farmer's own bank account.
For example, imagine Ramesh, a small farmer from Maharashtra who took a crop loan from his local cooperative society that was still outstanding as of 30 September 2019, with a family income below ₹2 lakh. If found eligible, his outstanding loan could be waived up to the ₹2 lakh ceiling. His neighbour Sunil, who repaid his crop loan regularly, would instead qualify for the ₹50,000 incentive. (This is a hypothetical illustration; your actual benefit depends on official verification.)
Who is Eligible — Complete Criteria 2026
- ✅ Maharashtra resident farmer who took a crop loan from a bank or cooperative society
- ✅ Loan was outstanding as of 30 September 2019
- ✅ Annual family income below ₹2 lakh
- ✅ Landholding up to 5 acres irrigated OR up to 10 acres unirrigated
- ✅ Small and marginal farmers are priority beneficiaries
- ❌ Farmers whose family income is above ₹2 lakh fall outside the waiver criteria
- ❌ Loans that were not crop loans, or that do not meet the outstanding-as-of date, are not covered
How to Apply — Step-by-Step 2026
- Visit the portal or a centre: Go to mjpskyloanwaiver.mahait.org or visit your nearest Aaple Sarkar Seva Kendra to apply with assistance.
- Start a new registration: Click New Registration and enter your Aadhaar number to begin.
- Fill in your details: Enter your personal, land and loan details accurately, matching them with your 7/12 extract and loan passbook.
- Upload documents: Submit the required documents (listed below) along with your bank account details.
- Submit and save your reference: Submit the application and note down your Application Reference Number for future tracking.
- Track and receive: Track your status online; after verification, the waiver is adjusted against your loan and any incentive is credited via DBT.
How to Check Your Status Online
- Open the portal: Visit mjpskyloanwaiver.mahait.org.
- Open beneficiary status: Click on Beneficiary Status.
- Enter your identifier: Enter your Aadhaar number or Application number.
- Add your date of birth: Enter your date of birth as recorded.
- Search: Click Search — your waiver status will be displayed on screen.
Documents Required
| Document | Purpose |
|---|---|
| Aadhaar card (आधार कार्ड) | Identity verification and registration |
| Bank passbook (बँक पासबुक) | To receive the DBT incentive / link the loan account |
| 7/12 land extract (सातबारा उतारा) | To establish landholding eligibility |
| Loan passbook or loan certificate (कर्ज पासबुक) | To prove the outstanding crop loan |
| Income certificate (उत्पन्नाचा दाखला) | To establish income-category eligibility |
Loan Waiver vs ₹50,000 Incentive
| Feature | Loan Waiver | Incentive |
|---|---|---|
| Who it is for | Farmers with an outstanding crop loan | Farmers who repaid their crop loan regularly |
| Amount | Up to ₹2,00,000 | ₹50,000 |
| How it is applied | Adjusted against the loan account | Credited directly to the bank account (DBT) |
Important Dates & Reference Points 2026
- ✅ The waiver covers crop loans outstanding as of 30 September 2019 — this is the key reference date for eligibility.
- ✅ Status checks and the incentive for regular repayers continue to be processed through the official portal.
- ✅ Apply at mjpskyloanwaiver.mahait.org or at an Aaple Sarkar Seva Kendra.
- ❌ Do not rely on unofficial "last date" or "extra benefit" messages on social media — confirm any date or amount on the official portal.
Frequently Asked Questions
Q: How much loan can be waived under this scheme?
Eligible farmers can get a crop-loan waiver of up to ₹2 lakh. The exact amount depends on your outstanding loan and official verification, with the waiver adjusted against your loan account.
Q: I repaid my loan on time — do I get anything?
Yes. Farmers who repaid their crop loans regularly are eligible for a ₹50,000 incentive, credited directly to the bank account through DBT under this scheme.
Q: How do I check my beneficiary status?
Visit mjpskyloanwaiver.mahait.org, click Beneficiary Status, and enter your Aadhaar number or Application number along with your date of birth. Click Search to see your current waiver status.
Q: What is the income limit to qualify?
The annual family income must be below ₹2 lakh. You will usually need an income certificate to establish this when applying.
Q: Is there a landholding limit?
Yes. The eligibility is up to 5 acres of irrigated land or up to 10 acres of unirrigated land. Small and marginal farmers are treated as priority beneficiaries.
Q: Where can I apply if I cannot use the website?
You can apply at your nearest Aaple Sarkar Seva Kendra, which can help you register, fill in your land and loan details, and upload your documents. Keep your Aadhaar, 7/12 extract, loan passbook, bank passbook and income certificate ready before you go.
Q: My status shows pending or the credit has not arrived — what should I do?
First confirm your Aadhaar is linked and seeded with an active bank account, since most delayed credits are caused by account issues rather than the application. Re-check your status on the portal, and if a problem persists, contact the Krishi Vibhag helpline or raise the matter through the official portal.
Q: Where can I compare other farmer and state schemes?
You can explore more agriculture and welfare schemes on our scheme blog, or browse central government schemes to see what else you may qualify for.
Helpline Numbers & Grievance
- ✅ Krishi Vibhag Helpline: 1800-233-4000 (toll-free) — for scheme queries.
- ✅ Official portal: mjpskyloanwaiver.mahait.org — for applying, status checks and scheme-specific issues.
- ✅ In-person help: nearest Aaple Sarkar Seva Kendra.
- ❌ Do not trust helpline numbers or "fast approval" offers shared on social media — verify on the official portal.
📋 संक्षिप्त जानकारी (हिंदी में)
महात्मा ज्योतिबा फुले शेतकरी कर्जमुक्ती योजना महाराष्ट्र सरकार की किसानों के लिए कर्जमाफी योजना है। इसमें पात्र किसानों का ₹2 लाख तक का फसल कर्ज माफ किया जाता है, और जिन किसानों ने नियमित रूप से कर्ज चुकाया है उन्हें ₹50,000 का प्रोत्साहन सीधे बैंक खाते में DBT के ज़रिए दिया जाता है। पात्रता: महाराष्ट्र का किसान, बैंक या सहकारी सोसायटी से लिया फसल कर्ज जो 30 सितंबर 2019 तक बकाया था, वार्षिक पारिवारिक आय ₹2 लाख से कम, और भूमि 5 एकड़ सिंचित या 10 एकड़ बारानी तक। आवेदन mjpskyloanwaiver.mahait.org पर या नज़दीकी आपले सरकार सेवा केंद्र पर करें — आधार, सातबारा उतारा, कर्ज पासबुक, बैंक पासबुक और आय प्रमाणपत्र साथ रखें। स्टेटस जांचने के लिए पोर्टल पर Beneficiary Status में आधार नंबर और जन्म तिथि डालें। किसी भी सहायता के लिए कृषि विभाग हेल्पलाइन 1800-233-4000 पर संपर्क करें। राशि और तारीख की पुष्टि के लिए हमेशा आधिकारिक पोर्टल देखें।
🇮🇳 हिंदी में पढ़ें (Read in Hindi)
महाराष्ट्र सरकार की महात्मा ज्योतिबा फुले शेतकरी कर्जमुक्ती योजना किसानों को ₹2 लाख तक का कर्जमाफी प्रदान करती है। जिन किसानों ने नियमित रूप से कर्ज चुकाया है, उन्हें ₹50,000 का प्रोत्साहन भी दिया जाता है।
पात्रता
- महाराष्ट्र के किसान जिनका फसल कर्ज 30 सितंबर 2019 तक बकाया था
- वार्षिक पारिवारिक आय ₹2 लाख से कम
- भूमि: सिंचित 5 एकड़ या बारानी 10 एकड़ तक
स्टेटस कैसे जांचें?
- mjpskyloanwaiver.mahait.org खोलें
- "Beneficiary Status" पर क्लिक करें
- आधार नंबर और जन्म तिथि डालें
- Search क्लिक करें � कर्जमाफी की स्थिति दिखेगी
Topics