What is Shetkari Karj Mukti Yojana?
Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana (MJPSKY) is a farm loan waiver scheme of the Maharashtra government's Cooperation, Marketing and Textiles Department, named after social reformer Mahatma Jyotirao Phule. It waives outstanding short-term crop loans of up to ₹2 lakh taken by small and marginal farmers from nationalised banks, district cooperative banks, and Regional Rural Banks that remained unpaid as of 30 September 2019. To reward financial discipline, the scheme also pays an incentive of up to ₹50,000 to farmers who repaid their loans regularly during 2017-18, 2018-19, and 2019-20. The waiver amount is credited directly to the farmer's loan account via DBT; the programme has disbursed over ₹5,000 crore to more than 14 lakh beneficiaries.
Shetkari Karj Mukti Yojana — Quick Overview
| Scheme Name | Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana — ₹2 Lakh Farm Loan Waiver |
| State | Maharashtra (महाराष्ट्र) |
| Launched By | Government of Maharashtra |
| Launch Year | 2019 |
| Benefit | Crop loan waiver up to ₹2 lakh + ₹50,000 incentive for regular loan repayment |
| Category | Agriculture |
| Beneficiaries | 14 lakh+ farmers, ₹5,000+ crore disbursed |
| Last Verified | 17 June 2026 |
| Official Portal | https://mjpskyloanwaiver.mahait.org |
महात्मा ज्योतिबा फुले शेतकरी कर्ज मुक्ती योजना महाराष्ट्र सरकार की किसान ऋण माफी योजना है जो 30 सितंबर 2019 तक लिए गए ₹2 लाख तक के फसल ऋण माफ करती है। नियमित ऋण चुकाने वालों को ₹50,000 तक का प्रोत्साहन भी मिलता है।
₹2 लाख तक फसल ऋण माफी + नियमित किसानों को ₹50,000 प्रोत्साहन
महात्मा जोतिराव फुले शेतकरी कर्ज मुक्ती योजना (MJPSKY) ही महाराष्ट्र सरकारची शेतकऱ्यांसाठी कर्जमाफी योजना आहे. 30 सप्टेंबर 2019 पर्यंत घेतलेल्या ₹2 लाखांपर्यंतच्या पीक कर्जाची माफी या योजनेअंतर्गत मिळते. 2017-18, 2018-19 आणि 2019-20 या वर्षांत नियमित कर्ज परतफेड करणाऱ्या शेतकऱ्यांना ₹50,000 पर्यंत प्रोत्साहन अनुदान दिले जाते. आतापर्यंत 14 लाखांहून अधिक शेतकऱ्यांना ₹5,000 कोटींहून जास्त वितरित झाले आहे.
📌 फायदा: ₹2 लाखांपर्यंत पीक कर्जमाफी + नियमित परतफेड करणाऱ्यांना ₹50,000 प्रोत्साहन
पात्रता:
महाराष्ट्रातील लहान व अल्पभूधारक शेतकरी ज्यांनी 30 सप्टेंबर 2019 पर्यंत बँकेतून पीक कर्ज घेतले आहे.
अर्ज कसा करावा:
mjpskyloanwaiver.mahait.org वर जाऊन आधार नंबर किंवा कर्ज खाते नंबर टाकून लाभार्थी यादीत नाव तपासा. आपले नाव असल्यास बँक आपोआप कर्जमाफी लागू करेल.
Benefits of Shetkari Karj Mukti Yojana
✅ Crop loan waiver up to ₹2 lakh + ₹50,000 incentive for regular loan repayment
₹2 लाख तक फसल ऋण माफी + नियमित किसानों को ₹50,000 प्रोत्साहन
Who is Eligible for Shetkari Karj Mukti Yojana?
- ✓ Small and marginal farmers of Maharashtra
- ✓ Must have outstanding crop loan taken up to 30 September 2019
- ✓ Loan must be from a nationalised bank, cooperative bank, or RRB
- ✓ Farmer must not be an income tax payer
- ✓ Government employees are not eligible
- ✓ Aadhaar-linked bank account required
Documents Required for Shetkari Karj Mukti Yojana
How to Apply for Shetkari Karj Mukti Yojana Online?
- 1Check if your name is in the beneficiary list at mjpskyloanwaiver.mahait.org
- 2Enter your Aadhaar number or loan account number to verify
- 3If eligible, your bank will receive the waiver amount directly
- 4Visit your bank branch to confirm the loan waiver has been applied
- 5For incentive (₹50,000 for regular repayers): apply through your bank with 7/12 and repayment records
- 6Contact the District Agriculture Office if your name is missing from the list
Official Government Portal — Maharashtra
Applications go through mjpskyloanwaiver.mahait.org only. Applying is free of charge — no agent, middleman or "consultant" is ever required.
🔗 Check Status at mjpskyloanwaiver.mahait.org- 1Visit mjpskyloanwaiver.mahait.org
- 2Enter your Aadhaar number or loan account number
- 3Click 'Search' to check if your loan is included in the waiver list
- 4Your waiver status and amount will be displayed
- 5If not found, contact your bank branch with Aadhaar and 7/12 extract
Real-Life Examples — Are You Eligible for Shetkari Karj Mukti Yojana?
Match your own situation against these sample Shetkari Karj Mukti Yojana applicants:
Bhaskar, a marginal farmer with a ₹1.4 lakh crop loan from a district cooperative bank outstanding as of 30 Sept 2019
Eligible — his crop loan is within ₹2 lakh, from an eligible bank, and outstanding on the cut-off date
Lata, a small farmer who repaid her crop loans on time during 2017–2020
Eligible — regular repayers in that window qualify for the incentive of up to ₹50,000
Mohan, a farmer who is also a salaried government employee
Not eligible — government employees and income-tax payers are excluded from the waiver
Sample profiles, not guarantees — recheck the notified criteria before you apply.
Common Mistakes — Why Shetkari Karj Mukti Yojana Applications Get Rejected
- ✗Assuming a fresh online application is needed — the waiver is mostly auto-applied from bank records; the real mistake is not verifying your name in the beneficiary list.
- ✗Quoting the wrong loan account number when checking status, so the system shows no match.
- ✗Bank account or loan record not linked to Aadhaar, which delays the waiver credit.
- ✗Not following up at the bank branch or District Agriculture Office when the name is missing from the list.
Insider Tips for Shetkari Karj Mukti Yojana
- →Check your eligibility first at mjpskyloanwaiver.mahait.org using your Aadhaar or loan account number.
- →Keep your 7/12 extract and bank loan statement handy in case the branch needs to reconcile records.
- →If your name is missing from the list, raise it promptly with your bank branch and the District Agriculture Office.
- →For the ₹50,000 regular-repayer incentive, apply through your bank with your repayment records rather than waiting passively.