Kisan Karj Mafi 2026 — Kis State Me Sach Me Chal Rahi Hai

Pehle wo baat, jo aapko kahin aur mushkil se milegi. “Kisan Karj Mafi Yojana” naam ki koi ek national scheme nahi hai. Na koi central portal hai jahan sab states ke kisan apna naam dhoondh sakein, na koi form jo bharne se karz maaf ho jaaye. Kheti ka karz maaf karna state ka faisla hai — apne budget se, apne rules se, apni timing se.

Isliye sahi sawaal ye nahi hai ki “karj mafi 2026 ki list kab aayegi”. Sahi sawaal hai: mere state me abhi koi scheme chal rahi hai ya nahi? Neeche ka table isi ka jawab hai, aur usme sirf wo states hain jinke liye official notification, GR ya portal mil gaya. Jahan sirf bayaan hai, wahan saaf likha hai ki bayaan hai. Baaki states ka naam is table me is liye nahi hai ki unke liye kuch confirm nahi mila — aur andaze se list lamba karna is page ka kaam nahi.

State-Wise Sthiti — Kya Chalu, Kya Band, Kya Sirf Bayaan

Chhattisgarh ka naam is table me jaan-boojh kar nahi hai. Wahan Krishak Unnati Yojana me Kharif 2026 se dalhan, tilhan, makka, millets aur kapas par ₹15,000 prati acre input sahayta di ja rahi hai — ye madad hai, karj mafi nahi. Do bilkul alag cheezein hain, aur kai blogs inko mila dete hain.

Maharashtra — Filhal Sabse Badi Scheme, Aur Uska Ek Ajeeb Sa Fayda

2026 me asli kaam Maharashtra me hua. Budget 2026-27 me Punyashlok Ahilyadevi Holkar Shetkari Karjmafi Yojana ki ghoshna hui aur June 2026 me isko manzoori mili — lagbhag ₹36,585 crore ka aakaar. Isme do hisse hain: ₹2 lakh tak ka bakaya fasal rin maaf, aur jinhone samay par karz chukaya unke liye ₹50,000 ka protsahan. Bakaya ki cut-off date 30 September 2025 rakhi gayi hai.

Ab wo nuance jo sabse zyada galat likha jaata hai. Maharashtra ke karjmafi portal par saaf likha hai — “arj karnyachi aavashyakta nahi”, yaani koi form bharne ki zaroorat nahi hai. Bank ke record aur sarkari data se list banti hai. Iska matlab do baatein: pehla, jo site aapse “karjmafi application” bharwa rahi hai wo fraud hai. Doosra, aapka kaam form dhoondhna nahi — aapka kaam ye check karna hai ki bank ne aapka record theek bheja hai ya nahi. Naam ki spelling, Aadhaar, khata number, aur ek hi parivaar ke do khaate — galti in chaar me se kisi ek me hoti hai.

Pehle charan me lagbhag 31 lakh kisan liye gaye hain, aur pehle un logon ko liya gaya jinka bakaya ₹2 lakh tak hai. Jinka karz isse zyada hai, unke liye One Time Settlement ka raasta rakha gaya hai — yaani zyada karz wale kisan ko poora maaf hone ka intezaar nahi karna chahiye, OTS ki baat bank se shuru kar deni chahiye.

Telangana — Ye Scheme Ho Chuki Hai, Chal Nahi Rahi

Telangana ki Rythu Runa Mafi aaj bhi sabse zyada search hone wali karj mafi hai, jabki wo 2024 me poori ho chuki. Teen charan the — 18 July, 30 July aur 15 August 2024. Kul ₹17,934 crore se lagbhag 22.37 lakh kisano ke fasal rin maaf hue: pehle charan me ₹1 lakh tak wale 11,50,193 kisan, doosre me ₹1–1.5 lakh wale 6,40,823, aur teesre me ₹1.5–2 lakh wale 4,46,832.

Do rules isme dilchasp the, aur inhi se sabse zyada shikayatein aayi. Ek — parivaar ki pehchaan ration card se hui, isliye ek ghar me do adult kisano ke alag-alag karz hone par bhi limit ek hi parivaar ki maani gayi. Do — ek parivaar me kai loan hone par mahila ka loan pehle maaf kiya gaya. Ye scheme 12 December 2018 se 13 December 2023 ke beech ke short-term fasal rin par lagu thi. Agar aap Telangana se ho aur aapka naam chhoot gaya tha, to nayi list ka intezaar mat karo — clw.telangana.gov.in par apna record dekho aur district agriculture office me likhit shikayat karo. Nayi scheme ka koi notification nahi hai.

UP Ka Sach — Purani Scheme, Naye Naam Se Bechi Ja Rahi Hai

UP me “Kisan Karj Mafi Yojana 2026” naam se jo cheez ghoom rahi hai, wo asal me Kisan Rin Mochan Yojana hai — jo 2017 me shuru hui thi. Uska daayra bhi tay hai: chhote aur seemant kisan (2 hectare tak), ₹1 lakh tak ka fasal rin, aur karz 31 March 2016 tak bakaya hona chahiye. Yaani 2026 me naya loan lekar is scheme me aane ka sawaal hi paida nahi hota. Jo kuch hota hai wo sirf chhoot gaye ya vivadit purane cases ka niptara hai.

Ek practical baat — UP ka portal (upkisankarjrahat.upsdc.gov.in) bahut baar khulta hi nahi. Ye page likhte waqt bhi wo response nahi de raha tha. Isse ghabrane ki zaroorat nahi, aur na hi isko koi “server par load kyunki nayi list aa gayi” wali afwah ka saboot maanna chahiye. Portal na khule to seedha apni bank branch ya tehsil me pata karo — record wahin hai. Vistar se UP ke case par UP kisan karj rahat list wala page dekh lena, usme district-level process likha hai.

Ye Sab Hota Kyun Hai — Do Minute Ka Background

Karj mafi ka silsila naya nahi hai. 1990 me ARDRS aayi thi, jisme prati kisan ₹10,000 tak ki raahat thi aur kul kharcha ₹10,000 crore. 2008 me ADWDRS aayi — ₹52,500 crore, mukhya roop se 5 acre tak wale kisano ke liye. 2014 ke baad ye kaam states ke haath me chala gaya, aur alag-alag states ne milakar lagbhag ₹2.5 lakh crore ki ghoshnaayein ki — 2016-17 ki GDP ka karib 1.4%.

RBI ke ek internal working group ne 2019 me jo baat likhi, wo kisan ke liye kaam ki hai: waiver ki ghoshnaon aur state chunavon ke beech gehra rishta dikhta hai. Iska matlab ye nahi ki scheme jhooti hoti hai — Telangana aur Maharashtra dono me paisa asli gaya hai. Matlab sirf itna hai ki timing rajneetik hoti hai, zaroorat ke hisaab se nahi. Isliye apni poori planning waiver par tikana risky hai. Jo kisan 2019 se “agle saal maaf ho jaayega” soch kar kist rokta raha, uska interest badhta gaya aur khata NPA me chala gaya.

Fake List Wali Sites — Pattern Pehchano

Karj mafi ke naam par chalne wala thagi ka dhandha ab kaafi safai se hota hai. Site sarkari jaisi dikhti hai, ashok stambh laga hota hai, Hindi me “नई सूची जारी” likha hota hai. Kuch nishaniyan yaad rakh lo:

1. 1
   Domain gov.in nahi hai. Sarkari portal hamesha gov.in ya nic.in par hota hai. karjmafi-list.in jaisa kuch bhi sarkari nahi hai.
2. 2
   OTP maanga jaa raha hai. List dekhne ke liye OTP ki zaroorat kabhi nahi padti. OTP dene ka matlab hai kisi aur ka registration ya payment approve karna.
3. 3
   Koi fees, “processing charge” ya QR code. ₹99, ₹200, kuch bhi. Sarkari list muft hai.
4. 4
   “Form bharo, karz maaf hoga”. Maharashtra jaisi scheme me to form hi nahi hota. Form ka lalach hi pakadne ka tareeka hai.
5. 5
   WhatsApp par PDF. “Aapke gaon ki list” wali PDF me aksar link hota hai jo APK download karwata hai. Wahi APK phone se OTP padhta hai.

Scheme Nahi Hai To Kya Karein — Chaar Asli Raaste

Jyaadatar kisan is page par is umeed me aate hain ki unka karz maaf hoga. Imaandaari se: agar aapka state list me nahi hai, to sambhavna kam hai. Par karz ke saath jeene ke raaste hain, aur wo waiver se zyada bharosemand hain.

1. 1
   One Time Settlement (OTS) — jab khata NPA ho gaya ho. Bank ek baar me settle karne par kuch hissa chhod deta hai. Branch me likhit application do, aur settlement ke baad No Dues Certificate lena mat bhoolo.
2. 2
   Restructuring / rescheduling — fasal kharab hui ho aur district me girdawari ya annawari declare hui ho to KCC ko term loan me badalne ya moratorium dene ka provision hota hai. Ye maafi nahi hai, saans lene ka waqt hai.
3. 3
   Interest subvention — samay par chukane wale kisan ko fasal rin 4% par padta hai. Jo pehle se default me hai uske liye ye kaam ka nahi, par jo abhi chal raha hai uske liye har saal ka farq bada hai. Poora hisaab KCC wale guide me hai.
4. 4
   Limit enhance karwana — kai baar dikkat karz ki nahi, kam limit ki hoti hai. Jameen ke hisaab se limit badhwane par sahukaar se udhaar lene ki majboori khatam hoti hai. Kahan se kaunsa rin sahi rehta hai, uska tulnatmak jawab kisan rin kahan se lein me diya hai.

Agar Aapke State Ki Scheme Ghoshit Ho Jaaye To Pehle Ye Karo

Ghoshna aur amal ke beech aksar kai mahine hote hain. Us beech me teen kaam kar lo. Pehla — apni bank passbook aur loan statement ki copy nikal lo, kyunki cut-off date wale outstanding par hi sab tay hota hai. Doosra — Aadhaar, khata aur jameen ke record me naam ek jaisa hai ya nahi, ye milao; list se naam chhootne ki sabse aam wajah spelling aur mismatch hoti hai. Teesra — GR ya government order ka number note kar lo, kyunki branch me baat karte waqt scheme ka number bolna aur “TV par dekha tha” bolna, dono ka asar bilkul alag hota hai.

Aur haan — karj mafi ke intezaar me chal rahi kist rokna sabse mehnga faisla hai. Kist rukti hai to interest chadhta hai, khata NPA me jaata hai, aur agla loan milna band ho jaata hai. Agar aapke paas notice aa chuka hai to us par alag se recovery notice wala page padh lo — usme jawab dene ka tareeka likha hai.

Sources

• Mahatma Jotirao Phule Shetkari Karjmukti Yojana — Govt. of Maharashtra, Co-operation Dept. mjpsky.maharashtra.gov.in
• Telangana Crop Loan Waiver — Agriculture Dept., Govt. of Telangana. clw.telangana.gov.in
• UP Kisan Rin Mochan Yojana — Govt. of Uttar Pradesh. upkisankarjrahat.upsdc.gov.in
• RBI Internal Working Group on Agricultural Credit (2019) — farm loan waivers aur credit discipline par observations.

Manish Kumar

Sarkari yojana ki verified jankari, aasan bhasha me

Kheti-baadi ki schemes follow karte karte kai saal ho gaye. Ab to WhatsApp par bhi log seedhe sawal bhejte hain. Jitne common sawal hain, sabke jawab yahan guides me daal raha hoon, dheere dheere.

Last Updated: 18/08/2026