The Jharkhand Krishi Rin Mafi Yojana 2025, launched by the Government of Jharkhand, provides significant financial relief by waiving off KCC Loan Mafi up to ₹50,000 for eligible farmers. This Sarkari scheme aims to support small and marginal farmers, promoting sustainable agriculture and enhancing their economic stability.
In this article, you will get the detailed information about the Jharkhand Rishi Rin Mafi Yojana, its features, objectives, benefits, eligibility, application process and much more.
Overview
The table below highlights the key insights of the Jharkhand Rishi Rin Mafi Yojana:-
| Scheme Name | Jharkhand Krishi Rin Mafi Yojana 2025 |
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| Launch Date | 7th January 2021 |
| Implemented By | Department of Agriculture, Animal Husbandry & Cooperative, Jharkhand |
| Eligible Loan Amount | Up to ₹50,000 |
| Coverage | Standard short-term crop loans |
| Application Fee | ₹1 |
What Is Jharkhand Krishi Rin Mafi Yojana 2025?
The Jharkhand Krishi Rin Mafi Yojana is a debt waiver scheme launched by the Jharkhand government to alleviate financial burdens on small and marginal farmers. Through this program, the state government waives KCC loan mafi up to ₹50,000 for eligible short-term crop loan holders, thereby empowering farmers to improve their financial stability and fostering sustainable agriculture.
Features Of The Jharkhand Krishi Rin Mafi Yojana
Explore the key highlights and understand how it aims to empower rural communities through debt relief and development programs.
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Loan Waiver: Provides KCC loan mafi Jharkhand up to ₹50,000 for eligible crop loans.
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Digital Application: Utilises Aadhaar-based identification for seamless KCC Loan Mafi online registration.
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Beneficiary Selection: Only standard crop loans in good standing are eligible.
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Accessible Applications: Farmers can apply online or through CSC across Jharkhand.
Objective Of The Jharkhand Krishi Rin Mafi Yojana
To strengthen the agricultural foundation of Jharkhand, the state government has launched the Jharkhand Krishi Rin Mafi Yojana 2025, focusing on farmers' welfare. This initiative ensures that farmers can continue farming without the burden of past debts.
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Provide complete debt relief to farmers: The main goal of the scheme is to help small and marginal farmers by waiving off their agricultural loans, giving them a fresh financial start.
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Enhance access to future crop loans under KCC loan mafi yojana: By clearing old dues, the scheme helps farmers become eligible for new loans under the Kisan Credit Card (KCC) system, ensuring continuous access to funds for farming activities.
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Reduce migration from rural to urban areas: With financial stability and better agricultural support, farmers can earn a decent livelihood in their villages, reducing the need to migrate to cities for work.
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Promote sustainable agricultural growth in Jharkhand: The scheme motivates farmers to invest in modern techniques, quality seeds, and better farming practices, strengthening the overall rural economy.
What Are The Benefits Of The Jharkhand Krishi Rin Mafi Yojana?
The Jharkhand Krishi Rin Mafi Yojana offers multiple advantages that directly impact the lives of farmers. Below are the major benefits that make this scheme a strong support system for the farming community.
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Financial relief for small and marginal farmers: The scheme removes the burden of unpaid crop loans, allowing farmers to focus on improving their productivity instead of worrying about debt repayment.
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Easier access to new KCC loan mafi yojana benefits: Once the old loans are waived off, farmers can apply for fresh crop loans under the KCC scheme, ensuring a regular flow of financial assistance for every crop season.
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Reduction in rural migration: By ensuring steady income and employment opportunities within the agricultural sector, the scheme discourages farmers from moving to cities in search of work.
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Encouragement of sustainable farming practices: With better financial security, farmers can invest in eco-friendly techniques, soil conservation, and modern farming tools, making agriculture more profitable and sustainable in the long run.
What Is The Eligibility Criteria Of The Jharkhand Krishi Rin Mafi Yojana?
Meeting these conditions ensures that they can successfully avail of the loan waiver benefits under this initiative.
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Residency: Permanent resident of Jharkhand.
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Farmer Type: Small or marginal farmer with a valid crop loan.
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Age: Minimum 18 years.
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Loan Status: Only standard short-term crop loan accounts as of March 31, 2020, are eligible.
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Kisan Credit Card Holder: Loan account under the KCC loan mafi yojana.
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Identification: Valid Aadhaar and ration card.
Exclusion
The following groups are ineligible for the Jharkhand Krishi Rin Mafi Yojana 2025:
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Politicians (MPs, MLAs, Ministers).
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Retired government employees with pensions over ₹10,000 (except Group D).
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Recent income taxpayers.
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Practising professionals like doctors, engineers, and lawyers.
Eligibility Criteria For Banks and Loan Criteria
To successfully apply for the scheme, farmers must complete the following eligibility criteria for banks:-
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Eligible Banks: Commercial, Co-operative, and Rural Banks.
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Loan Type: Short-term crop loans.
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Eligibility Period: Disbursed up to March 31, 2020.
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Loan Account Type: Single or joint crop loan accounts.
Application Process - KCC Loan Mafi Online Registration
Farmers can apply online through the official portal for the KCC loan mafi registration. Check the step-by-step process below to submit your application smoothly.
Step 1: Visit the official Jharkhand Krishi Rin Mafi Yojana portal.
Step 2: Click on ‘Beneficiary Registration’ and enter Aadhaar details.
Step 3: Enter the ration card number and select the loan-registered name.
Step 4: Review details, apply, and verify Aadhaar.
Step 5: Make a token payment of ₹1.
Step 6: Download the confirmation slip.
What Is The Application Process via CSCs?
Farmers can apply for the scheme benefits at their nearest Common Service Centres (CSCs) with an Aadhaar and a ration card.
What Documents Are Required For The Jharkhand Krishi Rin Mafi Yojana?
These documents help in verifying the applicant’s identity, land details, and loan records for the smooth processing of the waiver.
Conclusion
The Jharkhand Krishi Rin Mafi Yojana serves as a lifeline for farmers, offering essential debt relief through the KCC loan mafi yojana. By waiving crop loans up to ₹50,000, the scheme helps stabilise the agricultural economy in Jharkhand and supports the livelihood of small and marginal farmers, thus paving the way for a more sustainable and prosperous agricultural sector.
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