YSR Aasara AP — Quick Overview
| Scheme Name | YSR ఆసరా 2026 — SHG Women Loan Waiver + ₹1 Lakh New Loan | AP Self-Help Groups |
| State | Andhra Pradesh (आंध्र प्रदेश) |
| Launched By | Government of Andhra Pradesh |
| Launch Year | 2020 |
| Benefit | SHG outstanding loan waiver + fresh loan up to ₹1 lakh at zero interest for SHG groups |
| Category | Women |
| Beneficiaries | 85 lakh SHG women in AP; ₹6,300 crore waiver |
| Last Verified | 2 May 2026 |
| Official Portal | https://navasakam.ap.gov.in |
What is YSR Aasara AP?
YSR Aasara is a Self-Help Group relief scheme of the Andhra Pradesh Women Development and Child Welfare department, created to clear the debt overhang that was holding back lakhs of SHG and DWCRA women. The scheme cancels outstanding group loans that had built up over years and, alongside the waiver, channels fresh working capital so the groups can keep their micro-enterprises running. Eligible SHGs receive new loans of up to ₹1 lakh at zero interest, with the waiver and fresh credit linked through the District Mission Management Unit and the Village or Ward Secretariat. Around 85 lakh SHG women were targeted under a total waiver of about ₹6,300 crore, the relief amount being credited in instalments to the women's accounts rather than handed out in cash.
Under this scheme, eligible beneficiaries receive SHG outstanding loan waiver + fresh loan up to ₹1 lakh at zero interest for SHG groups. The scheme was launched in 2020 and is implemented by the Government of Andhra Pradesh.
YSR आसरा आंध्र प्रदेश की SHG महिलाओं के बकाया ऋण माफी और नए ऋण की योजना है। बकाया SHG ऋण माफ किए गए और पात्र SHG groups को ₹1 लाख तक नए ऋण शून्य ब्याज पर दिए गए। 85 लाख+ SHG महिलाओं को ₹6,300 करोड़ ऋण माफी।
SHG बकाया ऋण माफी + ₹1 लाख नया ऋण शून्य ब्याज पर — AP SHG महिलाओं के लिए
YSR ఆసరా పథకం ఆంధ్రప్రదేశ్ లో 85 లక్షల SHG మహిళలకు మునుపటి రుణాలు మాఫీ చేసి కొత్తగా ₹1 లక్ష వరకు శూన్య వడ్డీతో రుణం ఇస్తుంది. ₹6,300 కోట్ల మొత్తం రుణ మాఫీ.
📌 फायदा: SHG బకాయి రుణ మాఫీ + ₹1 లక్ష కొత్త రుణం శూన్య వడ్డీపై
पात्रता:
AP లో SHG సభ్యురాలు — DWCRA/government SHG programme.
अर्ज कसा करावा:
navasakam.ap.gov.in పై లేదా Village/Ward Secretariat ద్వారా SHG వివరాలు అప్డేట్ చేయండి.
Benefits of YSR Aasara AP
✅ SHG outstanding loan waiver + fresh loan up to ₹1 lakh at zero interest for SHG groups
SHG बकाया ऋण माफी + ₹1 लाख नया ऋण शून्य ब्याज पर — AP SHG महिलाओं के लिए
Who is Eligible for YSR Aasara AP?
- ✓ Active member of a Self-Help Group (SHG/DWCRA) in Andhra Pradesh
- ✓ SHG must be formed under the AP government's SHG programme
- ✓ Outstanding loan as of scheme launch date (for waiver)
- ✓ Fresh loan: SHG must be credit-worthy and active
- ✓ Priority to poorest SHG groups — BPL/SC/ST/Minority
Documents Required for YSR Aasara AP
How to Apply for YSR Aasara AP Online?
- 1Village/Ward Secretariat లో మీ SHG వివరాలు నమోదు చేయండి
- 2navasakam.ap.gov.in పై SHG login చేసి Aasara status చెక్ చేయండి
- 3SHG loan waiver automatically processed — manual application అవసరం లేదు
- 4Fresh loan కోసం: SHG క్రెడిట్ rating మరియు District Mission Management Unit (DMMU) ద్వారా apply చేయండి
Official Government Portal — Andhra Pradesh
Apply directly on the official Andhra Pradesh government website. This is the only authorised portal — never pay anyone to apply on your behalf. Application is completely free.
🔗 navasakam.ap.gov.in — SHG details చెక్ చేయండిReal-Life Examples — Are You Eligible for YSR Aasara AP?
Find the profile closest to your situation to quickly check whether you qualify:
A DWCRA group of 12 women in rural AP with an outstanding bank loan as on the scheme's cut-off date, formed under the state SHG programme
Eligible — it is an active SHG under the AP government programme with a qualifying outstanding loan, which is what the waiver covers
An active, credit-worthy SHG of BPL women seeking fresh capital after their old dues are cleared
Eligible — active groups, with priority to the poorest SC/ST/Minority SHGs, are eligible for fresh zero-interest credit
A newly formed self-help group with no track record and no outstanding loan
Not eligible — the waiver applies to existing outstanding SHG loans, and fresh credit goes to active, credit-worthy groups
A private informal lending circle that was never registered under the AP SHG programme
Not eligible — only SHGs formed under the AP government's SHG/DWCRA programme are covered
Examples are illustrative — always confirm against the official eligibility criteria before applying.
Common Mistakes — Why YSR Aasara AP Applications Get Rejected
- ✗Assuming individual women apply separately — the benefit is processed at the SHG group level, not per member.
- ✗SHG details not updated at the Village or Ward Secretariat, so the group is missed in the waiver list.
- ✗Members' bank accounts not Aadhaar-linked, which delays or blocks the DBT relief.
- ✗Expecting fresh credit without the group being active and credit-worthy through the DMMU.
Insider Tips for YSR Aasara AP
- →Keep the SHG passbook, loan passbook and joint account details current so the waiver can be matched to your group quickly.
- →Get every member's Aadhaar linked to her bank account early to avoid DBT failures.
- →Confirm your group's status on navasakam.ap.gov.in or at the Village/Ward Secretariat rather than relying on word of mouth.
- →For fresh loans, work through the District Mission Management Unit and maintain a clean repayment record to stay credit-worthy.
Frequently Asked Questions — YSR Aasara AP
📰 Latest News & Updates — YSR Aasara AP
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