What is Annasaheb Patil Loan Yojana?
Annasaheb Patil Mahamandal Karj Yojana is run by the Annasaheb Patil Arthik Magas Vikas Mahamandal under the Maharashtra government to support self-employment among economically weaker youth of the Maratha (EBC) community. Rather than handing out cash, it works as an interest-refund (Vyaj Partava) scheme: beneficiaries take a business loan from a participating bank, and on timely repayment the government refunds the interest directly into the borrower's Aadhaar-linked bank account, making the effective cost of borrowing close to zero. Individual loans go up to ₹10 lakh and group/enterprise loans up to ₹50 lakh, with tractor loans up to ₹15 lakh and a repayment period of up to 7 years, helping young entrepreneurs build viable ventures.
Annasaheb Patil Loan Yojana — Quick Overview
| Scheme Name | Annasaheb Patil Mahamandal Karj Yojana 2026 — ₹50 Lakh Loan with Interest Subsidy |
| State | Maharashtra (महाराष्ट्र) |
| Launched By | Government of Maharashtra |
| Launch Year | 2019 |
| Benefit | Business loan ₹10 lakh to ₹50 lakh — government pays interest subsidy on timely repayment |
| Category | Finance |
| Last Verified | 17 June 2026 |
| Official Portal | https://udyog.mahaswayam.gov.in |
अण्णासाहेब पाटील महामंडळ कर्ज योजना महाराष्ट्र की मराठा समुदाय के आर्थिक रूप से कमजोर युवाओं को ₹50 लाख तक व्यापार ऋण पर ब्याज वापसी (Interest Subsidy) देती है — सरकार समय पर चुकाने पर ब्याज वापस बैंक खाते में भेजती है।
₹10 लाख से ₹50 लाख तक व्यापार ऋण — समय पर चुकाने पर सरकार ब्याज वापस देती है
अण्णासाहेब पाटील महामंडळ कर्ज योजना ही महाराष्ट्र सरकारची मराठा समाजातील आर्थिकदृष्ट्या दुर्बल तरुणांसाठी योजना आहे. या योजनेअंतर्गत स्वयंरोजगारासाठी ₹१० लाख ते ₹५० लाखांपर्यंतचे व्यावसायिक कर्ज मिळते. नियमित कर्ज परतफेडीवर शासन व्याजाची रक्कम थेट लाभार्थ्याच्या बँक खात्यात परत करते. ट्रॅक्टर कर्जासाठी ₹१५ लाखांपर्यंत व्याज परतावा आणि कर्जाची परतफेड मुदत ७ वर्षांपर्यंत आहे.
📌 फायदा: ₹१० लाख ते ₹५० लाख व्यावसायिक कर्ज — वेळेवर परतफेडीवर सरकार व्याज परत देते
पात्रता:
महाराष्ट्राचा रहिवासी मराठा समाजातील (EBC) उमेदवार, वय १८ ते ६०, आयकर भरणारा नसावा.
अर्ज कसा करावा:
udyog.mahaswayam.gov.in वर जा, नोंदणी करा, जात प्रमाणपत्र, उत्पन्नाचा दाखला आणि व्यवसाय प्रकल्प अहवाल अपलोड करा. अर्ज बँकेकडे पाठवला जाईल. कर्ज मंजूर झाल्यावर वेळेवर परतफेड केल्यावर व्याज परतावा बँक खात्यात जमा होईल.
Benefits of Annasaheb Patil Loan Yojana
✅ Business loan ₹10 lakh to ₹50 lakh — government pays interest subsidy on timely repayment
₹10 लाख से ₹50 लाख तक व्यापार ऋण — समय पर चुकाने पर सरकार ब्याज वापस देती है
Who is Eligible for Annasaheb Patil Loan Yojana?
- ✓ Resident of Maharashtra state
- ✓ Belonging to the Maratha community (EBC — Economically Backward Class)
- ✓ Age 18 to 60 years
- ✓ Applicant must not be an income tax payer
- ✓ Must have a viable business plan or existing business
- ✓ Not a defaulter on any previous government loan
Documents Required for Annasaheb Patil Loan Yojana
How to Apply for Annasaheb Patil Loan Yojana Online?
- 1Visit the official portal: udyog.mahaswayam.gov.in
- 2Click 'New Registration' and register with your Aadhaar number
- 3Fill in personal details, caste details, and business information
- 4Select loan category: Individual (up to ₹10 lakh) or Business (up to ₹50 lakh)
- 5Upload required documents: caste certificate, income certificate, project report
- 6Submit the application — you will receive an application reference number
- 7Your application will be verified and forwarded to the participating bank
- 8After bank approval, loan is disbursed — repay on time to receive government interest subsidy
- 9Interest subsidy is transferred directly to your Aadhaar-linked bank account
Official Government Portal — Maharashtra
Use udyog.mahaswayam.gov.in directly — there is no application fee, and no third party can speed up your approval.
🔗 Apply at udyog.mahaswayam.gov.inReal-Life Examples — Are You Eligible for Annasaheb Patil Loan Yojana?
A quick way to gauge your eligibility — find the profile nearest to yours:
Vishal, 30, Maratha (EBC) youth from Kolhapur with a small dairy expansion plan, not an income-tax payer
Eligible — he is 18–60, a Maharashtra resident from the Maratha/EBC community, not an income-tax payer, and has a viable business plan
Anjali, 35, Maratha woman starting a tailoring unit with a project report, no past loan default
Eligible — she meets the community, age, and non-defaulter conditions and has an existing/viable business
Suresh, 45, Maratha businessman who files income tax every year
Not eligible — applicants must not be income-tax payers, so he is excluded despite meeting the community criterion
Illustrative cases only — verify your own situation against the official criteria.
Common Mistakes — Why Annasaheb Patil Loan Yojana Applications Get Rejected
- ✗Submitting an expired or wrong-category caste certificate instead of a valid Maratha/EBC certificate.
- ✗Income certificate showing income-tax-payer status, which disqualifies the applicant outright.
- ✗Missing repayment instalments — the interest refund stops the moment EMIs are paid late.
- ✗Linking the loan to a bank account that is not Aadhaar-seeded, so the interest-refund DBT cannot be credited.
Insider Tips for Annasaheb Patil Loan Yojana
- →Treat this as an interest-refund scheme: repay every EMI strictly on time, because the government refunds interest only on timely repayment.
- →Keep a clear, realistic project report or business plan ready — banks rely on it to sanction the loan.
- →Apply only through the official portal udyog.mahaswayam.gov.in and note your application reference number.
- →Get your caste and income certificates renewed and Aadhaar-linked before applying to avoid verification rejections.