Jharkhand Krishi Rin Mafi Yojana
State: Jharkhand
Ministry: null
Department: Department of Agriculture, Animal Husbandry & Co-operative
Category: Agriculture,Rural & Environment
Beneficiary Type: Individual

The objective of the scheme is to provide relief from the debt burden to short-term agricultural loan holders in the state. Under this scheme, outstanding loan amounts of up to ₹50,000/- in standard crop loan outstanding accounts as of 31st March 2020, will be waived.

Benefits:
1. Under this scheme, outstanding loan amounts of up to ₹50,000/- in standard crop loan outstanding accounts as of 31st March 2020, will be waived.

**Note:** Repayment of outstanding loan through DBT.

Eligibility:
1. The applicant should be a permanent resident of Jharkhand.
   1. The age of the farmer should be more than 18 years.
   1. The applicant should be a farmer who self-cultivates their land or cultivates leased land.
   1. The applicant should be a small or marginal farmer who has availed of the loan through the Kisan Credit Card.
   1. The farmer should have a valid Aadhaar number.
   1. The applicant should be a valid ration card holder.
   1. The applicant should be a Kisan Credit Card holder.
   1. The applicant should be a short-term crop loan holder.
   1. The crop loan should be issued by a recognized bank located in Jharkhand.
   1. The family of the deceased debtor is also eligible under the scheme.
   1. The applicant should have a standard crop loan account.
   1. Only one member per family holding a crop loan will be eligible.
   1. This scheme will be voluntary for all crop loan holders.

**Note:** The applicant has to pay ₹1/- only for the application.
**Eligibility for banks, criteria, determining outstanding loans and deadlines, eligible loan accounts, and exceptions:**

  - Qualified Banks - Commercial Banks, Scheduled Co-operative Banks and Rural Banks
  - Qualifying Loan - Short-Term Crop Loan
  - Eligible period for disbursement - Upto 31.03.2020
  - Qualifying Loan Account - Single &amp;amp;amp; Joint
  - Loans taken for crop diseases

Application Process:
[Online]
Step 1: Visit the "Jharkhand Krishi Rin Mafi Yojana" official website to apply for scheme benefits.
Step 2: On the home page, click on 'Beneficiary Registration' and then enter your Aadhaar Number.
Step 3: Your basic information, such as name and loan amount, will be displayed upon entering your Aadhaar number.
Step 4: Enter your ration card number.
Step 5: Click on the name under which the loan is registered.
Step 6: Review all displayed information carefully and click "Submit".
Step 7: Authenticate your Aadhaar to verify your identity.
Step 8: Proceed to make the application fee payment.
Step 9: After successful payment, receive a confirmation slip for your application.

[Online - via CSC]
The eligible applicant will have to follow the following procedures to avail the benefits of this scheme:-
Step 1: To apply for this scheme, the eligible applicant has to visit the Common Service Centers (CSCs)/Bank Branch with a copy of his/her Aadhaar Card and Ration Card.
Step 2: CSC Bank will help the applicant to view their outstanding loan amount and other details using their Aadhaar number on the scheme portal.
Step 3: The applicant will have to provide his/her mobile number and copy of Aadhaar and Ration Card for uploading on the scheme portal.
Step 4: Once the applicant confirms the outstanding details, he/she has to authenticate his application through e-KYC.
Step 5: Once the applicant confirms his/her details through e-KYC, his/her application will be automatically submitted to the scheme portal for further verification and processing.
Step 6: The applicant will receive a token number or reference number upon successful submission of his/her application. This can also be used for future reference.
Step 7: The applicant has to pay ₹1/- only for the application.
Step 8: The applicant can also receive the confirmation message of application submission on his/her mobile number.
Step 9: The applicant can be given a receipt for fee payment at the CSC centre.

Documents Required:
Aadhaar Card
Passport-size photograph
Proof of age
Ration card
Kisan Credit Card (KCC)
Bank account details/bank passbook
Other necessary documents if required