UP Kisan Karj Mafi Scheme 2026: Objective, Benefits, Eligibility, How to Apply & Required Documents

The UP Kisan Karj Mafi Scheme 2026, officially known as the Uttar Pradesh Kisan Rin Mochan Yojana, is a flagship welfare initiative of the Government of Uttar Pradesh aimed at providing financial relief to small and marginal farmers. Introduced in 2017, the scheme waives eligible crop loans of up to ₹1 lakh, helping farmers reduce their debt burden and improve their financial stability.

The scheme primarily benefits farmers who had outstanding crop loans and fulfills the government’s objective of strengthening the agricultural sector by supporting farmers facing financial difficulties. Here’s everything you need to know about the UP Kisan Karj Mafi Scheme 2026, including its objectives, benefits, eligibility criteria, application process, and required documents.

UP Kisan Karj Mafi Scheme 2026: Overview

What is UP Kisan Karj Mafi Scheme 2026?

The UP Kisan Karj Mafi Scheme is a loan waiver scheme launched by the Government of Uttar Pradesh to reduce the financial burden of farmers by waiving eligible agricultural loans. Under this scheme, small and marginal farmers can receive a loan waiver of up to ₹1 lakh, enabling them to continue farming without the pressure of outstanding debt.

The initiative was introduced in 2017 and remains one of the state’s major farmer welfare programmes.

Objective of UP Kisan Karj Mafi Scheme

The primary objective of the scheme is to improve the financial condition of farmers by providing relief from agricultural debt. Farming is highly dependent on weather conditions and market fluctuations, making many farmers vulnerable to financial distress.

The scheme aims to:

• Reduce the debt burden on small and marginal farmers.
• Improve farmers’ financial security.
• Encourage continued agricultural activities.
• Enhance rural economic development.
• Support farmers affected by crop losses and low agricultural income.

Under the scheme, 75% of the eligible loan amount is borne by the Uttar Pradesh Government, while the remaining 25% is shared by participating banks.

Benefits of UP Kisan Karj Mafi Scheme 2026

Farmers enrolled under the scheme receive several benefits, including:

• Agricultural loan waiver of up to ₹1 lakh.
• Financial assistance for small and marginal farmers.
• Reduced debt burden and improved financial stability.
• Opportunity to continue farming without loan-related stress.
• Government bears 75% of the eligible loan amount, while banks contribute the remaining 25%.
• Promotes sustainable agricultural development across Uttar Pradesh.

Eligibility Criteria

Applicants must fulfill the following eligibility conditions:

• Must be a permanent resident of Uttar Pradesh.
• Must be a small or marginal farmer owning up to 2 hectares of agricultural land.
• Loan should have been taken from:
  • Scheduled Commercial Banks
  • Cooperative Banks
  • Regional Rural Banks (RRBs)
• The agricultural loan should have been outstanding as of 31 March 2016.
• Applicant must be registered on the official portal with Aadhaar-linked KYC.
• Applicant should not be a defaulter under any other government scheme.

How to Apply for UP Kisan Rin Mochan Yojana 2026?

Eligible farmers can apply online by following these steps:

Step 1

Visit the official website of the UP Kisan Rin Mochan Yojana.

Step 2

Click on the New Registration option available on the homepage.

Step 3

Enter the required details, including:

• Aadhaar Number
• Bank Loan Account Number
• Khasra-Khatauni Details
• Personal Information

Step 4

Verify the application using the OTP sent to your registered mobile number.

Step 5

Submit the application form.

Step 6

The District-Level Verification Committee will verify the submitted information.

Step 7

After successful verification, the approved loan waiver amount will be credited as per the scheme guidelines.

Documents Required

Applicants should keep the following documents ready while applying:

• Aadhaar Card
• Land Records (Khasra-Khatauni)
• Bank Loan Account Details
• Bank Passbook
• Uttar Pradesh Domicile Certificate
• Passport-size Photograph
• Registered Mobile Number linked with Aadhaar

Important Points

• The scheme is available only for eligible small and marginal farmers of Uttar Pradesh.
• Maximum loan waiver available under the scheme is ₹1 lakh.
• Aadhaar-linked KYC is mandatory for registration.
• Applications are verified by the district authorities before approval.
• Farmers should regularly check the official portal for updates and beneficiary status.