kisan : India’s agricultural sector forms the backbone of the rural economy, and government initiatives such as Kisan Karj Mafi (Farmer Loan Waiver) play a vital role in supporting distressed farmers. The Kisan Karj Mafi 2025 Gramin List has now been released, giving eligible farmers in rural areas the opportunity to check whether their names have been included in the loan waiver scheme.
This blog provides a complete overview of the Kisan Karj Mafi Yojana, who qualifies for it, how farmers can check their names in the gramin list, and what benefits they can expect.
🌾 What is Kisan Karj Mafi Yojana?
The Kisan Karj Mafi Yojana is a loan waiver scheme launched by various state governments across India to provide relief to farmers who are unable to repay their agricultural loans due to crop failure, drought, natural disasters, or low market returns. Under this scheme, the government writes off the outstanding loan amount, either fully or partially, depending on eligibility criteria.
The scheme especially targets small and marginal farmers in rural and backward areas.
📋 Objectives of the Scheme
- To reduce the burden of agricultural debt on poor and marginal farmers.
- To prevent farmer suicides due to loan defaults.
- To improve the creditworthiness of rural farmers by clearing their loan records.
- To promote continued agricultural activity and investment in rural areas.
✅ Eligibility Criteria for Kisan Karj Mafi 2025
Not every farmer is eligible for loan waiver benefits. To be included in the 2025 Gramin List, farmers must meet the following conditions:
1. Resident of Rural Area
Only farmers residing in rural/gramin regions are considered for this list.
2. Type of Loan
- The loan must be an agricultural loan (crop loan, KCC loan, etc.).
- Loans taken from government-approved cooperative banks, regional rural banks, or nationalized banks are considered.
3. Loan Disbursement Date
The loan must have been taken within a specified time frame (usually between 2018–2023, depending on state policies).
4. Land Ownership
The applicant must be the owner of the agricultural land for which the loan was taken.
5. Loan Amount Limit
Some schemes waive loans up to ₹1 lakh per farmer. Beyond this, partial waiver may apply.
📜 Documents Required to Claim Benefits
Farmers included in the gramin list need to have the following documents:
- Aadhaar Card
- Land ownership proof (Khata/Khasra copy)
- Loan documents or bank statement
- Ration card (for identification and proof of residence)
- Passport-sized photograph
- Mobile number for OTP verification
🔍 How to Check Your Name in the Kisan Karj Mafi Gramin List 2025
Follow these steps to check if your name appears in the official loan waiver list:
👉 Step 1:
Visit the official portal of your state’s agriculture or cooperative department (example: upkisankarjrahat.upsdc.gov.in for UP).
👉 Step 2:
Click on the ‘Kisan Karj Mafi Gramin List 2025’ or ‘Beneficiary Status’ tab.
👉 Step 3:
Select your district, block, village, and bank branch from the drop-down menus.
👉 Step 4:
Enter your Aadhaar Number or Loan Account Number.
👉 Step 5:
Click on ‘Search’ or ‘Submit’ to view your status.
👉 Step 6:
Your name, loan details, and waiver status will be displayed on the screen.
You can also download or print the list if needed.
🏦 Banks Covered Under the Scheme
Most state-wise Kisan Karj Mafi schemes include:
- District Cooperative Banks
- Rural Cooperative Societies
- Gramin Banks
- SBI and Other Nationalized Banks
- Kisan Credit Card (KCC) linked loans
🪪 Benefits of Being Included in the Gramin List
- Complete or Partial Waiver of agricultural loan amount.
- Restoration of CIBIL score and eligibility for future loans.
- Protection from legal action by banks for defaulted loans.
- Peace of mind for distressed farming families.
- No need for middlemen – direct transfer or waiver entry in bank records.
📅 Important Dates to Remember
| Activity | Date (Expected) |
|---|---|
| Notification Release | April 2025 |
| Gramin List Publication | April–May 2025 |
| Objection Submission Window | Till May 2025 |
| Final List After Objections | June 2025 |
| Benefits Distribution/Update | July 2025 onwards |
Farmers should stay alert for updates through their local Panchayat or Krishi Vibhag offices.
⚠️ Common Reasons for Exclusion from the List
- Mismatch in bank and Aadhaar details.
- Loan not taken from an eligible institution.
- Loan repayment already made.
- Duplicate entries or fake applications.
- Incomplete KYC or document submission.
If your name is missing despite being eligible, visit the local agricultural officer or bank branch to raise a grievance.
📣 Grievance Redressal
Most states have launched a helpline number or public service portal where farmers can register complaints. You may also:
- File an application with your village head (Sarpanch) or block development office.
- Visit the District Cooperative Bank office with loan documents and Aadhaar.
- Use the state grievance portal to track your complaint status.
📌 Tips for Farmers
- Keep your bank passbook and loan account details updated.
- Always link your Aadhaar with your bank account.
- Contact your local agriculture officer for any doubts.
- Beware of fake agents or fraudsters asking for money to include your name in the list. This process is completely free and transparent.
✅ Conclusion
The Kisan Karj Mafi 2025 Gramin List is a beacon of hope for rural farmers across India. It reflects the government’s commitment to uplifting the farming community by easing financial distress. If you’re a farmer who has taken a crop or KCC loan and live in a rural area, now is the time to check the list and claim your rightful benefit.
Keep your documents ready, monitor updates, and don’t hesitate to raise queries if your name is missing. The Kisan Karj Mafi Yojana is not just a scheme – it’s a step toward dignity, relief, and economic stability for the nation’s real backbone: our farmers.