Kisan Rin Mochan Yojana 2026: Loan Waiver Status, Eligibility and How to Check the Beneficiary List
Several state governments are currently running farm loan waiver programmes under names like Kisan Rin Mochan Yojana, Kisan Karj Mafi Yojana and Kisan Karjmukti Yojana. In 2026, the most active ones are in Uttar Pradesh, Maharashtra, Jharkhand and Telangana, and each state has its own rules, its own waiver amount, and its own website to check your name. This is the part most articles on this topic get wrong — they talk about "Kisan Rin Mochan Yojana" as if it is one single scheme with one form and one portal. It isn't. Here is what is actually confirmed for each state, who qualifies, what documents you need, and exactly how to check your loan waiver status, based on official state portals and current 2026 announcements.
There is no single national Kisan Rin Mochan Yojana - here's what's actually running in 2026
Farm loan waivers are announced and run by individual state governments, not by the central government. So "Kisan Rin Mochan Yojana 2026" means a different thing depending on which state you're asking about:
- Uttar Pradesh runs the original Kisan Rin Mochan Yojana, started in 2017. It waives crop loans up to ₹1 lakh for small and marginal farmers, based on loan dues that existed as of 31 March 2016. This is the scheme most people are actually searching for when they type "Kisan Rin Mochan Yojana."
- Maharashtra announced a crop loan waiver of up to ₹2 lakh plus a ₹50,000 incentive for regular repayers in its 2026-27 state budget. This sits alongside the state's existing Punyashlok Ahilyadevi Holkar Shetkari Karjmukti Yojana, which also covers loans up to ₹2 lakh.
- Jharkhand and Telangana are both running their own 2026 loan waiver programmes with a ceiling of ₹2 lakh per farmer, under state-specific names.
- Rajasthan does not currently have a full loan waiver running. Instead, the state extended its Mukhyamantri Awadhipar Byaj Rahat Ek Mushth Samadhan Yojana (a one-time interest-relief settlement scheme) to 30 June 2026, and the 2026-27 state budget set a target of ₹25,000 crore in interest-free short-term crop loans through cooperative banks.
There is also a common mix-up worth clearing up here: the central government's Kisan Rin Portal (fasalrin.gov.in) is not a loan waiver scheme at all. It runs the Interest Subvention Scheme, which gives farmers a discount on the interest rate for Kisan Credit Card (KCC) loans repaid on time. If you are looking for a loan waiver (your loan being written off), you need your state's scheme, not this portal.
What this means for you: the first thing to check isn't "am I eligible for Kisan Rin Mochan Yojana." It's "which state scheme applies to me, and is it a full waiver or an interest relief." The eligibility rules, documents and portal below are for the Uttar Pradesh Kisan Rin Mochan Yojana specifically, since that is the scheme most searches for this term are actually about. A state comparison table follows further down for readers from other states.
Who is eligible for the Kisan Rin Mochan Yojana loan waiver
To qualify under the UP Kisan Rin Mochan Yojana, a farmer needs to meet all of these conditions:
- Must be a permanent resident of Uttar Pradesh.
- Must be a small or marginal farmer — landholding of up to 2 hectares (roughly 5 acres).
- The loan must be a crop loan (fasli rin) taken from a bank or cooperative society for farming, not a commercial or equipment loan.
- The outstanding loan amount considered is the one that existed as of 31 March 2016.
- The bank account and loan account should be Aadhaar-linked, since verification and the waiver transfer both run through Aadhaar.
Who will NOT get their loan waived
State governments have consistently excluded these categories from crop loan waivers, and the same exclusions apply here:
- Farmers who pay income tax.
- Farmers whose family has a member in a government job (with some states making exceptions for Class IV/group D employees — check your local notification for this detail).
- Anyone who is currently or was previously a minister, MP, MLA, or held a similar constitutional post.
- Loans taken for tractors, harvesters or other farm equipment (commercial loans) — only crop loans qualify.
- Loan amounts above the state's waiver ceiling only get partial relief up to the cap; the balance above the cap is not waived automatically.
Documents you need
Keep these ready before you apply or check your status:
- Aadhaar card
- Bank passbook
- Kisan Credit Card (KCC) or loan account details
- Land records (khasra-khatauni copy)
- Income certificate
- Domicile certificate
- Mobile number linked to Aadhaar (needed for OTP verification)
How to apply for the loan waiver online
- Go to your state's official Kisan Rin Mochan Yojana or Kisan Karj Mafi portal. For UP, this is https://fasalrin.gov.in/
- Look for "Apply Online" or "New Registration" on the homepage.
- Enter your Aadhaar number and mobile number, and complete OTP verification.
- Fill in your personal details, land details, and bank/KCC loan information carefully.
- Upload the documents listed above.
- Submit the form and save or print your application/reference number — you'll need it to track your status later.
Many farmers who took loans through a cooperative bank or a Primary Agricultural Credit Society (PACS) don't need to apply separately in some rounds — banks upload eligible accounts directly. If your bank has already told you that you're covered, you can skip straight to checking your status instead of applying again.
How to check your name in the beneficiary list or check your status
- Go to the official portal for your state (upkisankarjrahait.upsdc.gov.in for UP).
- Click on "View Loan Redemption Status" or "Beneficiary List" (in Hindi: ऋण मोचन की स्थिति देखें / लाभार्थी सूची).
- Select your district, tehsil, block and gram panchayat.
- Enter your Aadhaar number or bank/KCC account number and submit.
- Your status and, if applicable, your name in the current list will show on screen.
If you'd rather not go through the whole flow, the fastest route is checking status directly with your Aadhaar or account number rather than browsing the full village-wise list, since these lists can run into thousands of names per block.
Your name isn't in the list — what to actually do next
This is the step most articles skip past with generic advice. Here's the realistic order to work through it:
- Check your status first, not just the list. A missing name and a "rejected" or "pending verification" status need different fixes.
- Check Aadhaar linking on your loan account. This is the single most common reason a genuinely eligible farmer's name doesn't show up — the bank account or KCC account isn't Aadhaar-linked, or the linked mobile number is outdated.
- Confirm your loan is actually a crop loan, and within the cutoff date and land limit. A loan taken after the scheme's cutoff, or land above 2 hectares, won't appear even if everything else is in order.
- Visit your bank branch with your loan account passbook. Ask them to confirm whether your account was even submitted to the state government for verification — some names never make it that far because of a data-entry gap at the bank's end, not a rejection.
- Contact your Block-level Agriculture Officer or Lekhpal if the bank confirms the account was submitted correctly but it's still not showing. They can raise a correction request.
- Watch for supplementary lists. States typically release the beneficiary list in phases — a first list, followed by second and third lists for farmers who were missed or added after correction requests. Not being in the first list does not mean you're excluded permanently.
State-wise loan waiver comparison, 2026
| State | Scheme type | Waiver / relief amount | Status in 2026 |
|---|---|---|---|
| Uttar Pradesh | Full crop loan waiver | Up to ₹1 lakh | Ongoing, phased beneficiary lists |
| Maharashtra | Full crop loan waiver | Up to ₹2 lakh + ₹50,000 incentive for regular repayers | Announced in 2026-27 state budget |
| Jharkhand | Full crop loan waiver | Up to ₹2 lakh | Ongoing |
| Telangana | Full crop loan waiver | Up to ₹2 lakh | Ongoing |
| Rajasthan | Interest relief / one-time settlement | Interest waiver, not principal | Settlement scheme extended to 30 June 2026 |
| Central government (fasalrin.gov.in) | Interest subvention on KCC loans | Interest rate discount, not a waiver | Ongoing, separate scheme |
Since scheme names, cutoff dates and waiver amounts change with every state budget cycle, always confirm the current figure on your own state's official portal before you plan around it — this table reflects the position as of late August 2026.
Official sources and where to verify
- Uttar Pradesh: upkisankarjrahait.upsdc.gov.in (the official UP Kisan Rin Mochan Yojana / Karj Rahat portal)
- Central government Interest Subvention Scheme: fasalrin.gov.in (Kisan Rin Portal)
- For any other state, search "[your state] agriculture department" official website, or your state's cooperative bank / district agriculture office, since state-run loan waivers do not have one common central website.
For more government scheme updates like this, Talkaaj covers eligibility and application details as new lists and announcements come in.
Frequently Asked Questions
1. Is Kisan Rin Mochan Yojana the same in every state? No. It's a state government scheme, so eligibility, waiver amount, and the portal to check your status are all different depending on which state you're in. Uttar Pradesh's version (up to ₹1 lakh) is the original and the one most searches refer to.
2. How much loan gets waived under Kisan Rin Mochan Yojana 2026? In Uttar Pradesh, up to ₹1 lakh of crop loan is waived. In Maharashtra, Jharkhand and Telangana, the current ceiling is up to ₹2 lakh. The exact amount depends on your outstanding loan and your state's rules.
3. What is the difference between Kisan Rin Mochan Yojana and the Kisan Rin Portal (fasalrin.gov.in)? Kisan Rin Mochan Yojana is a state-run loan waiver — your loan gets written off. The Kisan Rin Portal is the central government's Interest Subvention Scheme, which only gives you a discount on the interest rate for a KCC loan you're still repaying. They are not the same thing.
4. Can a farmer with more than 2 hectares of land apply? Under the UP scheme, no — it is limited to small and marginal farmers with up to 2 hectares of land. Some other states use different land limits, so check your own state's notification.
5. Is a Kisan Credit Card (KCC) loan covered under this scheme? Yes, KCC loans taken for crop production are the main type of loan covered. Loans for buying tractors, harvesters, or other equipment are not covered.
6. What happens if I have a loan from more than one bank? Only one loan account per eligible farmer is generally considered for the waiver, and it needs to be linked to your Aadhaar. If you have loans from more than one bank, check with your primary loan account bank on which one has been submitted for the scheme.
7. Do I need to visit a government office to apply, or can I do it fully online? Most states have made the process fully online through the official portal, but if your Aadhaar linking or land records have an error, you will likely need to visit your bank branch or the local agriculture office to correct it before your online status updates.
8. How long does it take for the beneficiary list to update after applying? There's no fixed timeline published by any state government. Lists are typically released in phases as verification is completed, and the wait can range from a few weeks to a few months.
9. My loan is from a private bank. Am I still eligible? Most state loan waiver schemes cover loans from nationalized banks, regional rural banks (RRBs), and cooperative banks/societies. Loans from private banks are generally not included — confirm this with your specific state's notification.
10. What if my land is jointly owned with family members? This depends on how the land records (khasra-khatauni) list ownership. If the land is jointly held, some states allocate the waiver proportionally or require all joint holders to be listed as farmers with agriculture as their main income. Check with your local revenue office for how your state treats joint holdings.
11. Can I check my status without an Aadhaar number, using only my bank account number? Yes, most portals allow you to search using either your Aadhaar number or your bank/KCC account number.
12. Is there an app to check the Kisan Rin Mochan Yojana status? As of now, checking status is done through the official state web portal, not a dedicated mobile app. Be cautious of unofficial apps or websites claiming to offer this service.
13. What if my name was in an earlier list but has now disappeared? This can happen if a discrepancy was found during a later verification round (for example, a land record mismatch or a duplicate Aadhaar entry). Visit your bank or block agriculture office with your original documents to get this corrected.
14. Are sugarcane or horticulture farmers covered, or only foodgrain farmers? Crop loans for most agricultural crops, including cash crops, are generally covered under these schemes as long as the loan itself is classified as a crop loan by the lending bank. It is not limited to foodgrain.
15. Does this scheme cover loans taken for allied activities like dairy or fisheries? Loan waiver schemes under Kisan Rin Mochan Yojana are focused on crop loans. Loans specifically for dairy, poultry, or fisheries usually fall under separate schemes and are not automatically included — check your bank for how your loan is classified.
16. If I already repaid my loan, can I get a refund under the waiver? No. These waiver schemes apply to outstanding, unpaid loan balances as of the scheme's cutoff date. Farmers who already repaid their loan in full are not eligible for a refund.
17. What is the cutoff date for outstanding loans under the UP scheme? For the original UP Kisan Rin Mochan Yojana, the outstanding loan considered is the one that existed as of 31 March 2016. Newer state-level waivers (Maharashtra, Jharkhand, Telangana) have their own separate cutoff dates set in their respective notifications.
18. Who do I contact if my bank says my account was never submitted for verification? Ask your bank branch manager to confirm submission status in writing if possible, and separately raise the issue with your Block-level Agriculture Officer, who can request the bank to include your account in the next verification round.
19. Will the loan waiver affect my credit score (CIBIL)? Once a loan account is officially settled through a government waiver, it is typically reported as settled or closed to credit bureaus. This is usually better for your credit history than a loan that stays overdue, but it is worth confirming with your bank exactly how they will report it.
20. Can I still take a fresh Kisan Credit Card loan after my old loan is waived? Yes — this is actually one of the main goals of these schemes. Once your old crop loan account is cleared through the waiver, you become eligible to apply for a fresh KCC loan for the next crop season without the old dues blocking you.
21. Is there a helpline number for Kisan Rin Mochan Yojana complaints? Helpline numbers are published on each state's official portal and can change, so check the "Contact Us" or "Helpline" section on your state's portal directly rather than relying on a number listed on a third-party website.
