Good news for farmer friends! With the beginning of the year 2026, the government has accelerated the process of waiving farmers’ debts under the Kisan Karj Mafi Yojana 2026. If you have also taken a loan for agriculture, then under this scheme, your debt up to ₹2,00,000 can be waived.
If your name is in the new list released by the government, you will be exempted from paying bank debt. The main objective of this scheme is to get farmers who are stuck in financial crisis due to natural disasters or crop failure back on their feet.
Highlights Points
- Debt waiver limit: Debt of eligible farmers ranging from ₹1 lakh to ₹2 lakh will be waived.
- Main beneficiaries: Small and marginal farmers who have taken loans through KCC (Kisan Credit Card).
- New list announced: New online list viewing facility started from 1 January 2026.
- Direct benefit: After the debt is waived, the farmer will be eligible to take a new loan.
Kisan Karj Mafi Yojana 2026 Quick Overview
| Name of the scheme | Kisan Loan Waiver Scheme (KCC Karj Mafi) |
| Benefit amount | Loan waiver up to ₹2,00,000 |
| Beneficiary | Small and marginal farmers |
| Loan type | KCC and short-term agricultural loans |
| Application type | Online and through the bank |
| New update | January 2026 list announced |
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Benefits of Kisan Loan Waiver Scheme 2026
Farmers will benefit in many ways under this scheme, which are as follows:
- Relief from financial burden: The burden of interest and principal will be reduced on the heads of farmers.
- New loan facility: Farmers whose debts had become NPA will be able to take new loans again after the debt is waived.
- Improvement in CIBIL score: Loan waiver will improve the credit score of farmers, making banking transactions easier in the future.
- Encouragement in agriculture: With debt waiver, farmers will be able to invest in agriculture with renewed energy.
Who can avail this scheme? (Eligibility Criteria)
The government has set certain criteria for this scheme:
- The applicant farmer must be a native resident of India.
- It is mandatory for the farmer to have a KCC (Kisan Credit Card) account.
- This scheme is mainly for small and marginal farmers with land holding of 2 hectares or less.
- No member of the family should be in government employment or paying income tax.
- Farmers whose loans are between 2020 and 2023 and have become NPAs may get priority.
Required Documents
Keep the following documents ready to check your name on the list or to apply:
- Aadhaar Card (linked to mobile number)
- Kisan Credit Card (KCC) details
- Bank passbook (last 6 months statement)
- Land documents (extracts of 7/12 and 8-A)
- Proof of residence
How to check your name in the list? (Process)
- First of all, go to your state’s official Department of Agriculture or loan forgiveness portal.
- Click on the option of “KCC Karj Mafi List 2026” on the home page .
- Now select your district, taluka and village.
- Enter your Aadhaar number or KCC account number.
- As soon as you click on Submit, the list of your village will open, in which you can see your name.
Important Link Table
| Official Website | Click Here |
| Many More | Click Here |
Kisan Karj Mafi Yojana 2026 – FAQs
Q1. Will all farmers’ debts be waived?
No, this scheme will benefit only small and marginal farmers who meet all the government’s eligibility criteria.
Q2. Up to what amount is the loan waived?
Most states have provisions for debt waiver ranging from ₹1 lakh to a maximum of ₹2 lakh .
Q3. What to do if name is not in the list?
If you are eligible but do not have a name, you can contact your bank branch or file a complaint with the Agriculture Department.
Q4. Are private bank loans waived?
Generally, only loans from government banks, cooperative banks, and rural banks are covered under this scheme.