The Jharkhand Krishi Rin Mafi Yojana is a flagship scheme initiated by the Department of Agriculture, Animal Husbandry & Cooperatives, Government of Jharkhand, launched on 7th January 2021. It aims to provide substantial relief to farmers burdened with crop loans by waiving off up to ₹50,000 of outstanding short-term agricultural loans, making farming more sustainable and empowering small and marginal farmers in the state.
Highlights of Crop Loan Waiver Scheme in Jharkhand
• Scheme Name: Jharkhand Krishi Rin Mafi Yojana
• Launched By: Government of Jharkhand
• Launch Date: 7th January 2021
• Loan Waiver Limit: Up to ₹50,000 per farmer
• Eligibility Cut-off Date: Crop loans must be active as of 31st March 2020
• Beneficiary Type: Small and marginal farmers with KCC loans
• Application Fee: ₹1 only
• Application Mode: Online and CSC (Common Service Centres)
Objectives of the Scheme
• Improve farmers’ loan eligibility for future crop loans
• Reduce dependency on informal credit
• Prevent migration due to agricultural distress
• Strengthen the rural agricultural economy of Jharkhand
• Ensure financial stability for genuine farmers
Key Benefits
• Loan Waiver: Waives short-term crop loans up to ₹50,000 per eligible farmer
• Direct Benefit Transfer (DBT) for repayment
• Online application and paperless process to minimize physical contact
• Grievance redressal mechanism via web portal
• Inclusive eligibility—even the family of a deceased farmer can apply
• Covers loans from recognized banks: Commercial, Cooperative, and Regional Rural Banks
Eligibility Criteria
• Must be a permanent resident of Jharkhand
• The age of the applicant must be 18 years or above
• Should be a small or marginal farmer
• Must possess a valid Kisan Credit Card (KCC)
• The loan must be a short-term standard crop loan from a recognized bank
• Applicant must self-cultivate or lease agricultural land
• Must have Aadhaar and Ration Card linked to the loan
• Only one member per family can avail benefits under this scheme
• The scheme is voluntary
• Loans must be active as of 31st March 2020
Ineligible Categories
The following are excluded from the scheme;
• Current and former MPs, MLAs, Ministers, Municipal Chairpersons
• Government officers and employees (except Group-D/Multitasking staff)
• Pensioners drawing more than ₹10,000/month (except Group-D retirees)
• Individuals who filed income tax in the last assessment year
• Practicing professionals: Doctors, Engineers, Lawyers, Chartered Accountants, Architects
How to Apply – Online Process
Step 1: Visit the official portal – jkrmy.jharkhand.gov.in
Step 2: Click on “Beneficiary Registration”
Step 3: Enter your Aadhaar Number to fetch loan details
Step 4: Enter your ration card number and verify loan ownership
Step 5: Review all displayed information and click “Submit”
Step 6: Authenticate your Aadhaar and complete e-KYC
Step 7: Pay a token fee of ₹1 to complete the application
Step 8: Download or print the confirmation receipt for future reference
Application Process (Online via CSCs/Banks)
Eligible applicants can apply for the Jharkhand Krishi Rin Mafi Yojana through Common Service Centres (CSCs) or authorized bank branches. Follow the step-by-step process below:
- Visit your nearest Common Service Centre (CSC) or Bank Branch with a copy of your Aadhaar Card and Ration Card.
- The CSC or bank representative will access your loan details using your Aadhaar number on the official loan waiver scheme portal.
- Provide your mobile number, Aadhaar, and Ration Card to the representative for uploading on the portal.
- Once your loan details are displayed, confirm the accuracy of the information. Proceed with e-KYC authentication using Aadhaar.
- Upon successful e-KYC, your application will be automatically submitted to the portal for verification and processing.
- You will receive a token/reference number after submission, which you should note down for tracking the application status.
- Pay a nominal fee of ₹1 only at the CSC/bank for processing the application.
- You will receive a confirmation SMS on your registered mobile number upon successful submission.
- The CSC or bank will provide a payment receipt for the ₹1 application fee.
Documents Required
• Aadhaar Card
• Passport-size Photograph
• Age Proof
• Ration Card
• Kisan Credit Card (KCC)
• Bank Passbook or Account Details
• Additional documents (if requested)
Frequently Asked Questions (FAQs)
Q: Who can avail the loan waiver under this scheme?
Small and marginal farmers of Jharkhand with standard KCC crop loans active as of 31st March 2020.
Q: What if the applicant is deceased?
His/her family members can apply with a death certificate and related documents.
Q: What is the application fee?
Only ₹1 needs to be paid while applying.
Q: I completed e-KYC, but no token is generated. What should I do?
Retry later or visit your nearest CSC for assistance.
Q: What if my Aadhaar number shows incorrect or mismatched details?
Raise the issue through the portal’s grievance section or approach your bank.
Important Links
• Official Website
• Registration Page
• Scheme Guidelines – PDF
