Jyotirao Phule Shetkari Karj Mukti Yojana

Overview

The government of Maharashtra with Vikas Agadi has launched a scheme called Mahatma Jyotiba Phule Karj Mafi Yojana. It has been launched under the leadership of Chief Minister Uddhav Thackeray. In this scheme, the Maharashtra government shall waive off all the loans that farmers have taken from the bank in the state. Those farmers who have been taking a loan before the 30th of September 2019 will be able to avail the advantages of such a scheme. As per this scheme, the loan up to 2 lakhs will be waived off by the Maharashtra government.

Mahatma Jyotiba Phule Karj Mafi Yojana

Under this scheme. Those farmers who cultivate fruits, sugarcane, or traditional farming are eligible to get their loan waived off. If they have taken a loan amounting to Rs 2lk before 2019 then they can certainly have this advantage. However, there are certain guidelines that the Maharashtra Chief Minister has issued already. The first list of the beneficiaries under this scheme was out in the year 2020 by the Maharashtra government itself. This list had all the details of those beneficiaries who have received the benefits already.

Objectives of Mahatma Jotirao Phule Shetkari Karj Mukti Yojana

Often when farmers have to do farming, they need to take a loan because of the loss which most of the time happens either due to natural calamities or economic crores. Considering this no fault of farmers, the Maharashtra government has taken the initiative to protect them against the loss that is likely to happen due to crop wastage or after drought. To make sure the risk and the rate of suicidal deaths of the farmers reduce in Maharashtra government started with Mahatma Jyotiba Phule Karj Mafi Yojana.

The primary reason for starting this scheme is to make all the farmers who are farming in Maharashtra state live a debt-free life. With such a loan waiver scheme, the farmers can come up with better farming ideas and have relief against the loan too.

Eligibility Criteria

Not everyone is eligible to avail of the benefits of the scheme. The government has set certain eligibility criteria in which it is expected that the person fit in while applying. This includes:

• The farmer must be the permanent farmer of Maharashtra to avail loan waiver

• government-aided borrower farmer will not be eligible for such a scheme

• The farmer working in certain government department will not get any advantages under this scheme

• This scheme cannot be availed by those who have taken more than Rs 2 lakh from the bank.

Documents that are required during application

• Aadhar Card

• Residence certificate

• Voter ID Card

• Bank loan papers

• Passport size photo

• mobile number

• Affidavit

• Bank account passbook

How to apply for the Maharashtra Mahatma Jyotiba Phule Karj Mafi Yojana

Those farmers who have taken a loan before the 30th of September in the year 2019 fall under the eligibility criteria of this scheme. To submit the Application Form Jyotirao Phule Shetkari Karj Mukti Yojana offline or online there is a process that needs to be followed. For offline processes, the nearest bank breach can be helpful. Speak with the concerned officer who shall explain to you the whole process and documentation that would be needed.

You need to give details about the loan amount that has been taken by the bank official. Once you will give an application and if you fit in the eligibility criteria, then you can go ahead and fill up the application form and submit it to the bank with all possible documentation.

In case all the process is finished, the loan amount will then be transferred to the bank account. The farmers will not have to wait in the long queues any longer. Besides, it is even possible to get the loan amount directly in the bank account with just a thumb impression and the application form.

How to check the Farmer Beneficiary List Mahatma Jyotiba Phule Karj Mafi District Wise

If you want to check whether your name is in the beneficiary Maharashtra Kisan Karj Mafi List of the scheme then follow the given below steps:

• Visit the official website of Mahatma Jyotiba Phule Karj MJPKSY List mjpsky.maharastra.gov.in where you can see the homepage

• Now click on the section of beneficiary list option that is visible on the homepage and then a new page will open

• You must then choose the division and districts. You can then also select your village and town respectively

• As per the village that you have selected, the list of beneficiaries for the Mahatma Jyotiba Phule Kar will open on your device

• You can then find your name by filtering your father or maiden name

What is the Information Mentioned on the Karj Mafi List?

The details of the beneficiaries that you can see are:

• Name of the concerned district

• Specific identification no. allotted to the farmer

• Farmer’s bank name

• Other related information

• Name of the beneficiary farmer

• State Division

• Aadhar no. of the farmer

• Name of the bank branch

Conclusion

The state government shall waive off all the debts that amounted to the loan account of the farmers. All the loans that the farmer has taken till 30th September 2019 on crop loans and restructured crop loans shall be waived off. The loan on the crops that farmers had taken from rural banks, central cooperative banks, and even the merchants who have been working on restructured crop loans will be waived.

Questions and Answers

How to check karj mafi Yojana List?

Below are the steps that need to be followed:

• Visit the official website mjpsky.maharastra.gov.in List

• Select mahatma jyotirao Phule Shetkari karj Mukti Yojana

• Click on the active link then you can see another page will come on the screen.

You must select your –

• Block

• District

• Village

What is Aadhaar linking, seeding, or authentication (e-KYC)?

Aadhaar Authentication is one process by which the Aadhar number and other demographic details or biometric details of the holder are submitted to the Central Identities Data Repository (CIDR) for further verification and also the responsibility will be verifying if the details are correct.

Then comes Aadhaar seeding which is a process through which Aadhaar numbers of residents are added to the delivery database of service providers so that database de-duplication and authentication as per the Aadhaar during service delivery is possible.

What if the Aadhaar number is not linked with their bank accounts?

If you want to be a part of this scheme, then your bank account must have the Aadhar linked. But if that is not the case then the bank must publish the list that indicates those loan accounts that are not linked at the bank branch and also at the respective villages that the branch of the particular bank covers.

The information will then be sent to the farmers through SMS service for submitting the Aadhar number in the branch.

How to upload the Joint Loan account details in the Data upload template?

In case you have a Total Overdue of 1,80,000/- with ABC bank and have a joint account with your partner then you need to keep in mind for uploading Joint Loan account details the:

• Customer ID / CIF / PACS Membership No should be different

• Loan Account Number should be the same

• Aadhaar number should be furnished separately

• Sanctioned Loan Amount should be the same for joint account holders

• Restructured Amount field should have the share of the amount

• Savings accounts of the joint account holder must be different

• All joint account holder’s information needs to be furnished in the same file.

What are the process-to-process deceased loans?

• In case the loan account of the deceased is there then heirs must be firstly identified by the bank. 

• If there is a single heir then the amount shall be processed in the disbursal account

• In case the heirs of the deceased loaner are quite many then it will appear in the loan account for which there will be another processing that the bank manager shall explain.