Crores of farmers of India take loans for farming every year, but due to bad weather, crop loss or decline in the market, they are unable to repay the debt on time. In such a situation, the burden of debt becomes a cause of concern and stress for the farmers. To overcome this problem of farmers, the government from time to time brings schemes like Kisan Karj Mafi, so that farmers can get relief and they can focus on their farming again.
In 2025, the government has taken a major decision – Kisan Credit Card (KCC) Loan Waver Scheme has been announced to waive the loan of 12 crore farmers. The main objective of this scheme is to free small and marginal farmers from debt burden and strengthen their economic condition.
If you too have taken a loan through KCC, then this news is very important for you. Let’s know how to see the name in all the necessary information, eligibility, profit, application process and list related to this scheme.
KCC loan exemption scheme 2025
| Name of the scheme | KCC loan waiver scheme 2025 |
| Launch date | 10 April 2025 |
| Number of beneficiaries | 12 crore farmers |
| Debt waiver limit | Up to ₹ 2 lakh |
| Target area | Agricultural and affiliated activities |
| Eligibility age limit | 18 years or more |
| Way to get profit | Check online list |
| Application process | Both online and offline |
| Period of plan | 31 December 2025 |
| Implementation agency | Ministry of Agriculture |
What is KCC loan waiver scheme? (What is KCC Loan Waiver Scheme?)
Kisan Credit Card (KCC) Loan Waver Scheme 2025 is a major initiative of the Government of India, under which farmers will be given relief from their KCC loan. Under this scheme, the government has decided to waive agricultural loans up to Rs 2 lakh. Its main objective is to free small and marginal farmers from debt burden and improve their economic condition.
Main objective of the scheme
- Economic stability: Strengthen their economic condition by giving relief to farmers from debt.
- Development of agriculture sector: To bring farmers access to better resources and facilities.
- Debt -free farmer: To make small and marginal farmers self -sufficient.
- Reduction in mental stress: If you get rid of debt, the mental stress of farmers will be reduced.
- Strengthening the rural economy: The development of villages will also intensify due to the improvement of the condition of farmers.
Eligibility Criteria
The following eligibility is necessary to avail KCC loan waiver scheme:
- The beneficiary farmer should be a resident of India.
- The age of the farmer should be at least 18 years.
- The farmer should have a valid farmer credit card (KCC).
- The loan amount should be up to a maximum of Rs 2 lakh.
- Only small and marginal farmers (with land up to 2 hectares) are eligible.
- No member in the family should be in a government job.
- The debt has been taken only for agricultural work.
- The farmers whose loan is outstanding till 31 December 2025 will be eligible.
Benefits of KCC Loan Mafi Yojana (Benefits)
- Economic relief: Farmers’ loans up to Rs 2 lakh will be waived.
- Focus on farming: With the removal of debt burden, farmers will be able to pay full attention to farming.
- New investment: After being debt free, farmers can invest in modern farming.
- Mental peace: You will get rid of the concern of repaying debt.
- Simple procedure: The process of checking the application and list is easy and transparent.
Required documents
- Aadhar card
- Kisan Credit Card (KCC)
- Copy of bank passbook
- Land ownership certificate
- Passport Size Photo
- Mobile number
How to Apply for KCC Loan Waver Scheme
Online application:
- Go to the State Agriculture Department or the respective portal.
- Click on the link “KCC Loan Waiver Scheme”.
- Fill your KCC number and other necessary information.
- Upload the required documents.
- Submit the form and get the receipt number.
Offline application:
- Go to the nearest bank branch or agricultural office.
- Take the application form and fill all the information.
- Attach the necessary documents.
- Submit the filled form.
How to see name in KCC Loan Mafi List? (How to check your name in KCC Loan Waiver List?)
- Go to the website of the State Agriculture Department.
- Choose the option “Loan Waver Scheme” or “Debt waiver list”.
- Enter your Aadhaar number or KCC number.
- See your name in the list.
- If there is a name, your debt will be forgiven.
Which states will get benefits? (State-Wise Coverage)
The farmers of almost all the states of the country will get the benefit of this scheme, such as:
| State | State | State |
| Uttar Pradesh | Rajasthan | Punjab |
| Maharashtra | Gujarat | Madhya Pradesh |
| Chhattisgarh | Haryana | Bihar |
| Jharkhand | Odisha | Karnataka |
| Tamil Nadu | Kerala | Andhra Pradesh |
| West Bengal | Assam | Telangana |
KCC Loan Waiver Scheme’s main rule (important rules)
- Only agricultural loans taken through KCC will be waived.
- A loan up to a maximum of Rs 2 lakh will be waived.
- Farmers who have taken a loan of more than 2 lakhs, will have to pay the remaining amount themselves.
- Debt will be forgiven only after the name in the list.
- Information will be given to eligible farmers through SMS or letter from the government.
- There will be benefit only after checking the application.
KCC Loan Rebate Scheme 2025 – Frequently Asked Questions (FAQ)
Q1: Will the debt of all farmers be forgiven?
A: Only those farmers who have taken a loan of up to Rs 2 lakh through KCC and fulfill the eligibility, their debt will be forgiven.
Q2: How to check the name in the list?
A: You can check the name in the list from Aadhaar or KCC number by visiting the website of State Agriculture Department.
Q3: What will happen if the loan is more than 2 lakhs?
A: The loan of up to Rs 2 lakh will be forgiven, the farmer will have to pay the remaining amount himself.
Q4: How long will the benefit of the scheme get?
A: The last date for the scheme is 31 December 2025, before the application and process will have to be completed.
Q5: Which documents are necessary for the application?
A: Aadhaar card, KCC card, bank passbook, land certificate, photo and mobile numbers are necessary.
KCC Loan Waiver Scheme 2025 – Quick Facts Table
| Points | Acquaintance |
| Name of the scheme | KCC loan waiver scheme 2025 |
| Beneficiary | 12 crore farmers |
| Debt waiver limit | Up to 2 lakh rupees |
| Eligibility | Small and marginal farmer |
| Application process | online offline |
| Last date | 31 December 2025 |
| Required documents | Aadhaar, KCC, Passbook, Land Proof |
| Way to check the list | From KCC/Aadhaar number on the website |
KCC Loan Waiver Scheme 2025 – Benefits of Scheme (Key Benefits)
- Relief to small and marginal farmers
- Rural economy strengthened
- New investment in farming and increase in production
- Farmers’ confidence will increase
- Debt burden will be reduced
Some important points related to the scheme (key points)
- Only those farmers will get the benefit of the scheme, who have taken a loan through KCC.
- Debt will be forgiven only after the name in the list.
- The application process has been made simple and transparent.
- State governments will also release the list of farmers at their level.
- For updates related to the scheme, farmers should check their state website from time to time.
Disclaimer:
The scheme has been announced by the government in 2025 and has been implemented in many states. However, the debt of all farmers will not be forgiven – only those farmers who have taken a loan of up to Rs 2 lakh through KCC and fulfill the remaining conditions. Debt will be forgiven only after the name in the list. Many times rumors also spread, so always confirm from the government website or local agriculture department. If you get any information or SMS, then definitely check its truth. For every information related to the scheme, contact the official portal or the Department of Agriculture.
Note: Please be careful with any fake call, agent or website. Get the real information of the scheme only through government portal or authorized medium.
