Sarkari Yojana
Jharkhand Krishi Rin Mafi Yojana
About Jharkhand Krishi Rin Mafi Yojana
On 7th January 2021, the Department of Agriculture, Animal Husbandry & Cooperative, Government of Jharkhand, rolled out the “Jharkhand Krishi Rin Mafi Yojana” to lift the debt burden off farmers holding short-term agricultural loans. The scheme waives outstanding dues of up to ₹50,000/- in standard crop loan accounts that were outstanding as of 31st March 2020. Anyone who was a standard crop loan borrower on 31st March 2020 can claim the benefit. The main objectives of the scheme are as follows:
- Making crop loan holders eligible for credit again.
- Helping farmers secure fresh crop loans.
- Halting migration among farming communities.
- Giving the agricultural economy a stronger footing.
Salient features of the scheme:
- Banks are uploading to the loan waiver portal the details of standard KCC loans linked to Aadhaar cards and ration cards.
- Since the scheme runs online through a web portal, applicants need minimal face-to-face contact with officials.
- The right beneficiaries are identified through their Aadhaar number, and no paperwork is needed to apply.
- Applying online is straightforward.
- Applications are accepted at Common Service Centres and Banks, so applicants can access the scheme close to home.
- Complaints from applicants are resolved online.
Scheme Overview
State Government
Department Of Agriculture, Animal Husbandry & Cooperative, Government Of Jharkhand
Individual
07 Jan 2021
Scheme Details
Eligibility Requirements
To qualify for Jharkhand Krishi Rin Mafi Yojana, applicants must satisfy the following conditions:
Only permanent residents of Jharkhand may apply
Only permanent residents of Jharkhand may apply.
Farmers must be older than 18 years
Farmers must be older than 18 years.
The applicant must farm land personally, whether owned…
The applicant must farm land personally, whether owned or taken on lease.
Small or marginal farmers who borrowed through the…
Small or marginal farmers who borrowed through the Kisan Credit Card qualify.
A valid Aadhaar number is required
A valid Aadhaar number is required.
The applicant needs a valid ration card
The applicant needs a valid ration card.
Holding a Kisan Credit Card is mandatory
Holding a Kisan Credit Card is mandatory.
The loan held must be a short-term crop…
The loan held must be a short-term crop loan.
A recognized bank located in Jharkhand must have…
A recognized bank located in Jharkhand must have issued the crop loan.
Where the borrower has died, the family can…
Where the borrower has died, the family can also claim the benefit.
The crop loan account has to be a…
The crop loan account has to be a standard one.
Within a family, just one crop loan holder…
Within a family, just one crop loan holder can benefit.
Participation is optional for every crop loan holder
Participation is optional for every crop loan holder.
Note: The application fee is only ₹1/-.
Eligibility for banks, criteria, determining outstanding loans and deadlines, eligible loan accounts, and exceptions:
Banks that qualify - Commercial Banks, Scheduled Co-operative Banks and Rural Banks
Loan type covered - Short-Term Crop Loan
Disbursement must fall within - Upto 31.03.2020
Accounts covered - Single & Joint
Loans taken for crop diseases
Benefits Provided
Jharkhand Krishi Rin Mafi Yojana provides the following benefits to eligible applicants:
1
1. Standard crop loan accounts outstanding on 31st March 2020 will have dues of up to ₹50,000/- written off under this scheme.
Note:
The outstanding loan is repaid via DBT.
Documents Required
Applicants should keep the following documents ready before starting the application:
Aadhaar Card
Aadhaar Card
Photo of passport size
Photo of passport size
Document proving age
Document proving age
Ration card
Ration card
Kisan Credit Card (KCC)
Kisan Credit Card (KCC)
Bank passbook or account details
Bank passbook or account details
Any further documents that may be needed
Any further documents that may be needed
2021-01-07
How to Apply
Online Application
Applicants can apply for Jharkhand Krishi Rin Mafi Yojana through the online application process outlined below.
Open the official "Jharkhand Krishi Rin Mafi Yojana"…
Open the official "Jharkhand Krishi Rin Mafi Yojana" website to apply.
Select 'Beneficiary Registration' on the home page and…
Select 'Beneficiary Registration' on the home page and key in your Aadhaar Number.
Once the Aadhaar number is entered, basic details…
Once the Aadhaar number is entered, basic details such as your name and loan amount appear on screen.
Type in the number of your ration card
Type in the number of your ration card.
Choose the name in which the loan stands
Choose the name in which the loan stands.
Check every detail shown and press "Submit"
Check every detail shown and press "Submit".
Complete Aadhaar authentication to confirm who you are
Complete Aadhaar authentication to confirm who you are.
Pay the application fee
Pay the application fee.
When the payment goes through, a confirmation slip…
When the payment goes through, a confirmation slip for the application is issued.
Online - via CSC Application
Applicants can apply for Jharkhand Krishi Rin Mafi Yojana through the online - via csc application process outlined below.
To claim the scheme's benefits, an eligible applicant goes through these steps:-
Go to a Common Service Center (CSC)/Bank Branch…
Go to a Common Service Center (CSC)/Bank Branch carrying copies of your Aadhaar Card and Ration Card.
Using your Aadhaar number, the CSC Bank shows…
Using your Aadhaar number, the CSC Bank shows you the outstanding loan amount and related details on the scheme portal.
Give your mobile number along with copies of…
Give your mobile number along with copies of the Aadhaar and Ration Card so they can be uploaded to the scheme portal.
After confirming the outstanding details, verify the application…
After confirming the outstanding details, verify the application through e-KYC.
Once e-KYC confirms the details, the application goes…
Once e-KYC confirms the details, the application goes automatically to the scheme portal for verification and processing.
A token or reference number is issued when…
A token or reference number is issued when submission succeeds, which can be kept for later reference.
A fee of only ₹1/- is charged for…
A fee of only ₹1/- is charged for the application.
A message confirming the submission may also arrive…
A message confirming the submission may also arrive on the applicant's mobile number.
The CSC centre can hand the applicant a…
The CSC centre can hand the applicant a receipt for the fee paid.
Exclusions / Who Is Not Eligible
The following category of borrowers will not be eligible to join this scheme:-
1. Former and present members of Rajya Sabha/Lok Sabha/Legislative Assembly/ Former or present Minister of State Government/Current Chairman of Municipal Bodies / Current Chairman of District Council.
1. All serving or retired officers and employees of Central or State Government, Departments, and their regional units “Ministries/PSEs and attached offices of State Government, autonomous institutions under the Government, and regular employees of local bodies (except Multitasking Staff / Group-IV / Group-D employees)
1. All Superannuated/Retired pensioners whose monthly pension is ₹10,000/- or more. (Except Multitasking Staff/Group-IV/Group-D personnel)
1. All persons who paid income tax in the last assessment year.
1. Professionals like all registered doctors, engineers, lawyers, chartered accountants, and architects who are practicing.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.