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

The UP Kisan Karj Mafi Scheme 2026, which has also become known as the Uttar Pradesh Kisan Rin Mochan Yojana, it is one of the biggest farmer service schemes offered by the Uttar Pradesh Government. The main aim of the scheme is to provide relief to small and marginal farmers by waiving their loans and thus help them move out of their financial difficulties. This scheme was launched in 2017. It has benefited a huge number of farmers within the state. Up to ₹1 lakh can be waived through this Yojana provided the beneficiary fulfills all conditions required under this Yojana.

What is the UP Kisan Karj Mafi Scheme 2026?

The UP Kisan Karj Mafi Scheme is an initiative of the state government to reduce financial burdens on farmers by cancelling the outstanding crop loans of farmers.

This scheme primarily affects the small and marginal farmers who take loans from the authorized financial institutions.

The Main Objectives of the Program

As agriculture continues to play the most important role in the economy of Uttar Pradesh, and there are large number of families in the state are completely dependent on agriculture for their subsistence.

Unfortunately, the farmers are often burdened with debts due to crop failure, erratic climate changes, and higher production costs.

Some key purposes of the UP Kisan Karj Mafi Scheme are as follows,

• To provide financial help to small and marginal farmers.
• To ease the pressure of debts.
• To enhance the financial stability of the farmers.

Advantages of UP Kisan Karj Mafi Scheme 2026

This scheme provides a massive amount of financial assistance to deserving farmers under this scheme. This includes,

• Loan waiver of agricultural loan up to ₹1 lakh for the farmers.
• Financial help to small and marginal farmers from getting into debt.
• Reduction of burden of payments and starting agricultural production again.
• Coverage of loans taken from scheduled commercial banks, cooperative banks, and regional rural banks.

Eligibility Requirements

To be eligible for the benefits of the scheme, farmers need to fulfill some conditions.

These include,

• Residence must be in Uttar Pradesh.
• Be a small or marginal farmer with landholding less than or up to 2 hectares.
• The loan must always have been taken from Scheduled Commercial Bank, Cooperative Bank or Regional Rural Bank.
• The loan must be outstanding as per the date of March 31, 2016.
• The farmer must have registered in the official website with Aadhaar based KYC done.
• Farmers must not be defaulters under any other welfare scheme of the government.

Documents Required

Applicants should have to keep the following documents ready while applying for the scheme.

• Aadhaar Card
• Land records (Khasra/Khatauni)
• Bank loan account details
• Bank passbook
• Uttar Pradesh domicile certificate
• Passport-size photograph

How to Apply for UP Kisan Karj Mafi Scheme 2026?

Farmers meeting the eligibility criteria can fill their applications by following the steps below,

Step 1

Go to the official site of UP Kisan Karj Mafi scheme.

Step 2

Select the “New Registration” link given at the homepage.

Step 3

Provide the required details like Aadhaar number, bank loan account details, Khasra-Khatauni details, etc.

Step 4

Authenticate your application via OTP sent to your registered mobile number.

Step 5

The farmer needs to fill up and submit the online form.

Step 6

This submitted application will be verified and it approved by the District Level Committee.

Step 7

After the verification process gets completed, the eligible farmers will receives their loan waiver benefits as per the rules of the scheme.