What is Arunachal OTS Farmer Debt Waiver?
The Arunachal Pradesh One Time Settlement (OTS) Scheme provides relief to small and marginal farmers burdened by agricultural loans from cooperative banks and state-run financial institutions. Under OTS, eligible farmers can settle overdue principal and interest amounts at a waived or reduced rate, with the state government absorbing a portion of the outstanding dues. The scheme targets APST tribal farmers who took crop loans, term loans for horticulture or animal husbandry, or minor irrigation loans that became non-performing assets (NPAs). Farmers with dues up to ₹1 lakh receive full principal waiver; those with higher dues receive partial settlement. PRC (Permanent Residence Certificate) and APST certificate are mandatory. The scheme runs through district-level Agriculture Cooperative Banks and the Arunachal Pradesh Cooperative Apex Bank (APCAB).
Arunachal OTS Farmer Debt Waiver — Quick Overview
| Scheme Name | Arunachal Pradesh One Time Settlement (OTS) Scheme 2026 — Farmer Debt Waiver up to ₹1 Lakh | Agriculture Department |
| State | Arunachal Pradesh (अरुणाचल प्रदेश) |
| Launched By | Government of Arunachal Pradesh |
| Launch Year | 2023 |
| Benefit | Full principal waiver up to ₹1 lakh for APST small/marginal farmers on overdue cooperative bank agricultural loans — partial settlement for higher amounts |
| Category | Agriculture |
| Beneficiaries | Over 18,000 APST farmers |
| Last Verified | 28 May 2026 |
| Official Portal | https://arunachal.gov.in/department/agriculture |
The Arunachal Pradesh One Time Settlement (OTS) Scheme gives relief to APST tribal farmers whose agricultural loans from cooperative banks became overdue or NPA. Farmers with dues up to ₹1 lakh get full principal waiver; higher amounts get partial settlement. PRC and APST certificate are mandatory. Apply at your District Cooperative Bank or APCAB branch. Loans for crop, horticulture, animal husbandry, and minor irrigation are covered.
📌 फायदा: Up to ₹1 lakh full loan waiver for APST small/marginal farmers on overdue cooperative bank agricultural loans (crop, horticulture, animal husbandry, irrigation)
पात्रता:
APST farmer (PRC + APST cert mandatory), overdue loan from Arunachal cooperative bank/APCAB, agricultural purpose, no prior waiver in last 5 years.
अर्ज कसा करावा:
Visit District Cooperative Bank or APCAB branch → collect OTS form → fill loan details → attach PRC + APST cert + Aadhaar + land record + loan passbook → submit → sign OTS agreement after waiver is communicated.
Benefits of Arunachal OTS Farmer Debt Waiver
✅ Full principal waiver up to ₹1 lakh for APST small/marginal farmers on overdue cooperative bank agricultural loans — partial settlement for higher amounts
Who is Eligible for Arunachal OTS Farmer Debt Waiver?
- ✓ APST (Arunachal Pradesh Scheduled Tribe) farmer — PRC and APST certificate mandatory
- ✓ Small or marginal farmer with agricultural land in Arunachal Pradesh
- ✓ Loan must be from an Arunachal Pradesh Cooperative Bank or APCAB (state-run institution)
- ✓ Loan account must be classified as Non-Performing Asset (NPA) or overdue
- ✓ Loan taken for agriculture, horticulture, animal husbandry, or minor irrigation purposes
- ✓ Farmer must not have availed loan waiver under any other central/state scheme in last 5 years
Documents Required for Arunachal OTS Farmer Debt Waiver
How to Apply for Arunachal OTS Farmer Debt Waiver Online?
- 1Visit the nearest District Cooperative Bank branch or APCAB branch in your district
- 2Collect the OTS application form from the bank counter or Agriculture Department office
- 3Fill the form with loan account details, outstanding amount, and personal information
- 4Attach PRC, APST certificate, Aadhaar, land record, and bank passbook copies
- 5Submit the form to the bank — receive acknowledgement receipt
- 6Bank verifies eligibility and communicates waiver amount; sign OTS agreement to complete settlement
Official Government Portal — Arunachal Pradesh
arunachal.gov.in is the only authorised application channel, and the Arunachal Pradesh government charges nothing there — never pay anyone to apply on your behalf.
🔗 Apply at District Cooperative Bank / APCAB Branch, Arunachal Pradesh