What is Punjab Farmers Debt Relief Scheme?
Punjab Farmers Debt Relief Scheme provides waiver or restructuring of agricultural loans up to ₹2 lakh for marginal and small farmers of Punjab. Implemented by Punjab Agriculture Department, the scheme targets farmers who borrowed from Punjab State Cooperative Banks, Primary Agriculture Cooperative Societies (PACS), commercial banks, and district cooperative banks. The scheme reduces the debt burden on small landholding farmers (up to 5 acres) who are unable to repay institutional loans due to low crop yields, crop failure, or price crashes. Loan waiver is processed through the bank directly with state government reimbursement.
Punjab Farmers Debt Relief Scheme — Quick Overview
| Scheme Name | Punjab Farmers Debt Relief Scheme 2026 — Loan Waiver Up to ₹2 Lakh for Marginal/Small Farmers |
| State | Punjab (पंजाब) |
| Launched By | Government of Punjab |
| Launch Year | 2017 |
| Benefit | Agricultural loan waiver/restructuring up to ₹2 lakh for marginal (up to 2.5 acres) and small (2.5–5 acres) farmers of Punjab |
| Category | Agriculture |
| Last Verified | 27 May 2026 |
| Official Portal | https://agri.punjab.gov.in |
ਪੰਜਾਬ ਕਿਸਾਨ ਕਰਜ਼ਾ ਰਾਹਤ ਸਕੀਮ ਤਹਿਤ ਛੋਟੇ ਅਤੇ ਸੀਮਾਂਤ ਕਿਸਾਨਾਂ ਦੇ ₹2 ਲੱਖ ਤੱਕ ਦੇ ਖੇਤੀਬਾੜੀ ਕਰਜ਼ੇ ਮੁਆਫ਼ ਕੀਤੇ ਜਾਂਦੇ ਹਨ। ਪੰਜਾਬ ਖੇਤੀਬਾੜੀ ਵਿਭਾਗ ਅਤੇ ਸਹਿਕਾਰੀ ਬੈਂਕਾਂ ਰਾਹੀਂ ਅਮਲ ਕੀਤੀ ਜਾਂਦੀ ਹੈ।
📌 फायदा: ₹2 ਲੱਖ ਤੱਕ ਖੇਤੀਬਾੜੀ ਕਰਜ਼ਾ ਮੁਆਫ਼ੀ — ਸੀਮਾਂਤ/ਛੋਟੇ ਕਿਸਾਨ
पात्रता:
ਪੰਜਾਬ ਕਿਸਾਨ, ਜ਼ਮੀਨ 5 ਏਕੜ ਤੱਕ, ਸਹਿਕਾਰੀ/ਵਪਾਰਕ ਬੈਂਕ ਤੋਂ ਖੇਤੀ ਕਰਜ਼ਾ।
अर्ज कसा करावा:
agri.punjab.gov.in ਤੇ ਜਾਓ ਜਾਂ ਨਜ਼ਦੀਕੀ ਖੇਤੀਬਾੜੀ ਦਫ਼ਤਰ / ਸਹਿਕਾਰੀ ਬੈਂਕ ਵਿੱਚ ਜ਼ਮੀਨੀ ਰਿਕਾਰਡ ਅਤੇ ਕਰਜ਼ੇ ਦੇ ਕਾਗ਼ਜ਼ਾਤ ਲੈ ਕੇ ਜਾਓ।
Benefits of Punjab Farmers Debt Relief Scheme
✅ Agricultural loan waiver/restructuring up to ₹2 lakh for marginal (up to 2.5 acres) and small (2.5–5 acres) farmers of Punjab
Who is Eligible for Punjab Farmers Debt Relief Scheme?
- ✓ Marginal farmer (land holding up to 2.5 acres) — full waiver up to ₹2 lakh
- ✓ Small farmer (land holding 2.5 to 5 acres) — partial waiver/restructuring
- ✓ Punjab domicile; registered with Punjab Agriculture Department
- ✓ Loan taken from Punjab cooperative/commercial bank for agricultural purpose
- ✓ Loan outstanding as of the scheme notification date
Documents Required for Punjab Farmers Debt Relief Scheme
How to Apply for Punjab Farmers Debt Relief Scheme Online?
- 1Open agri.punjab.gov.in and locate the registration or apply option
- 2Authenticate with your Aadhaar-linked mobile number (OTP verification)
- 3Complete the application form carefully — personal, bank and address details
- 4Upload scans of Aadhaar Card, Land record / Fard (jamabandi) — Punjab Revenue Department, Bank loan documents (Kisan Credit Card / agricultural loan papers)
- 5Cross-check every entry, then submit and save the reference number
- 6Track the application from the portal's status section while it is verified
Official Government Portal — Punjab
agri.punjab.gov.in is the only authorised application channel, and the Punjab government charges nothing there — never pay anyone to apply on your behalf.
🔗 Apply at agri.punjab.gov.in