What is BALARAM Odisha Crop Loan?
BALARAM (Bank Linkage and Agri-credit Mechanism Across Rural Areas of Mission Shakti) is Odisha government's interest-free crop loan scheme for small and marginal farmers through PACS (Primary Agricultural Credit Societies). 5.70 lakh farmers get crop loans up to ₹50,000 at 0% interest — the state pays the interest subsidy. BALARAM operates through Odisha's Mission Shakti SHG network, linking women SHGs with credit for agriculture. Repayment is within 12 months.
BALARAM Odisha Crop Loan — Quick Overview
| Scheme Name | ଓଡ଼ିଶା BALARAM Crop Loan 2026 — 5.70 ଲକ୍ଷ କ୍ଷୁଦ୍ର ଚାଷୀ ₹0 ସୁଧ ଋଣ | BALARAM Odisha |
| State | Odisha (ओडिशा) |
| Launched By | Government of Odisha |
| Launch Year | 2020 |
| Benefit | Interest-free crop loan up to ₹50,000 per season — state pays interest subsidy — via PACS |
| Category | Agriculture |
| Beneficiaries | 5.70 lakh small and marginal farmers in Odisha |
| Last Verified | 15 May 2026 |
| Official Portal | https://agri.odisha.gov.in |
BALARAM ଓଡ଼ିଶା ସରକାରଙ୍କ ₹0 ସୁଧ ଫସଲ ଋଣ ଯୋଜନା। PACS ମାଧ୍ୟମରେ 5.70 ଲକ୍ଷ ଚାଷୀ ₹50,000 ଶୂନ ସୁଧ ଋଣ। Mission Shakti SHG-linked credit। 12 ମାସ ଭିତରେ ପ୍ରତ୍ୟାବର୍ତ୍ତନ।
ଫସଲ ଋଣ ₹50,000 ପର୍ଯ୍ୟନ୍ତ — ୦% ସୁଧ — ଓଡ଼ିଶା ଚାଷୀ — PACS ମାଧ୍ୟମ
BALARAM ଯୋଜନା ଓଡ଼ିଶାର କ୍ଷୁଦ୍ର ଚାଷୀଙ୍କ ପାଇଁ ₹0 ସୁଧ ଫସଲ ଋଣ। PACS ମାଧ୍ୟମରେ ₹50,000 ପର୍ଯ୍ୟନ୍ତ। Mission Shakti SHG-linked। 5.70 ଲକ୍ଷ ଚାଷୀ ଉପକୃତ।
📌 फायदा: ₹50,000 ପର୍ଯ୍ୟନ୍ତ ଫସଲ ଋଣ — ୦% ସୁଧ — PACS ମାଧ୍ୟମ
पात्रता:
ଓଡ଼ିଶା କ୍ଷୁଦ୍ର/ସୀମାନ୍ତ ଚାଷୀ, PACS member, Aadhaar-linked bank account।
अर्ज कसा करावा:
ଗ୍ରାମ PACS ରେ ଯୋଗ ଦିଅନ୍ତୁ → BALARAM application → land records + Aadhaar → ₹0 ସୁଧ ଋଣ।
Benefits of BALARAM Odisha Crop Loan
✅ Interest-free crop loan up to ₹50,000 per season — state pays interest subsidy — via PACS
ଫସଲ ଋଣ ₹50,000 ପର୍ଯ୍ୟନ୍ତ — ୦% ସୁଧ — ଓଡ଼ିଶା ଚାଷୀ — PACS ମାଧ୍ୟମ
Who is Eligible for BALARAM Odisha Crop Loan?
- ✓ Small farmer (less than 2.5 acres) or marginal farmer (less than 1.25 acres) in Odisha
- ✓ Member of PACS (Primary Agricultural Credit Society) in home village
- ✓ Women farmers through Mission Shakti SHG-PACS linkage are prioritised
- ✓ Must not have existing crop loan default
- ✓ Aadhaar-linked bank account
- ✓ Odisha domicile with land records in name
Documents Required for BALARAM Odisha Crop Loan
How to Apply for BALARAM Odisha Crop Loan Online?
- 1ନିଜ ଗ୍ରାମର PACS (ପ୍ରାଥମିକ ଆଗ୍ରି ଋଣ ସମିତି) ରେ ଯୋଗ ଦିଅନ୍ତୁ
- 2BALARAM crop loan application form ଭର୍ତ୍ତି କରନ୍ତୁ
- 3Land records, Aadhaar, bank passbook ଜମା ଦିଅନ୍ତୁ
- 4PACS verification ଏବଂ district cooperative bank approval
- 5ଋଣ PACS account ମାଧ୍ୟମରେ ଆସିବ — ₹0 ସୁଧ
- 612 ମାସ ଭିତରେ ଫେରାଇ ଦେଲେ ପୁଣି ଋଣ ମିଳିବ
Official Government Portal — Odisha
Use agri.odisha.gov.in directly — there is no application fee, and no third party can speed up your approval.
🔗 agri.odisha.gov.in — BALARAM scheme details