Mahatma Jyothirao Phule Shetkari Karj Mukthi Yojana

Updated on April 7, 2022, 4:38 a.m.

Maharashtra is spear heading in the agricultural front of India. There is always the attempt to develop agriculture and industries, simplify faster flow of investment by generating progressive climate towards the growth and development of farmers in the State.

Maharashtra has developed a solid base of agro-industrial infrastructure, robust Human Resources, and sustaining and diversifying the base in other sections like Telecommunications and Energy. This was possible because Maharashtra initiated several policy initiatives, since its inception, in varied fields at the same time.

The situation of the farmers in Maharashtra has never been improving for many years. Poverty is their eternal friend and the foremost problem behind the condition of farmers is the middlemen. Farmers in Maharashtra are not paid directly from the market because of the existence of middlemen.

These middlemen grab the lion’s share of profit leaving behind nothing but misery for the farmers in Maharashtra. They can’t send their kids to schools or even feed themselves properly and fulfil their primary and secondary requirements. As a result of this poor condition, they are forced to switch to other professions or end their lives.

Another major reason behind this plight of the farmers in Maharashtra is global warming. Since this is a global problem, Farmers are the worst affected currently. Crops are getting damaged farmers in Maharashtra due to lack of proper nutrition and the seasons are getting delayed. As a result, season- specific crops can’t get accurate nourishment leading to unrest in the mind of farmers in Maharashtra. Since global warming is touching our planet in every way, it affects our farmers in Maharashtra.

There are different types of farmers and they all have equal significance. First is the farmer who grows crops like Wheat, Rice and Barley as the maximum intake in the Indian houses is of wheat and rice, the cultivation of wheat and rice is higher in Maharashtra state. Crops need proper sunlight and rain to develop and if the crops are not getting they get destroyed. Moreover, farmers who grow these crops are of primary importance. These farmers have to prepare the soil for different types of crops. Other line of agricultural activity taking place in Maharashtra is the Commercial Farming like Cotton, Sugarcane and others.

To protect the interest and promote the welfare of the farmers, the Government of Maharashtra is trying to provide them with various privileges. Recently the government has exempted them from all the loans. This helps them to have some earning apart from their profession. Furthermore, the government provides quotas (reservations) to their children to reduce the burden in the lives of farmers.

This guarantees that their children get proper education in today’s competitive world. Mahatma Jyothirao Phule Shetkari Karj Mukthi Yojana is the pivotal scheme announced by the Government of Maharashtra to protect and promote the interest of farmers. It was started on 27^th December 2019 by the Chief Minister Uddhav Thackeray led Maharashtra Vikas Agadi (MVA). The essential cash crops are Cotton, Sugarcane, Turmeric and Vegetables. The state is the forerunner in Onion production in the country.

OBJECTIVES OF THE SCHEME:

The objectives of the Mahatma Jyothirao Phule Shetkari Karj Mukthi Yojana are given below as follows:

This was introduced to make the farmers of Maharashtra debt free.
It was introduced to protect the interest of the farmers of Maharashtra and promote their welfare.
Helps in offering good education to the children of the farmers and make a difference in their lives.
Provides good incentives to the farming community.

ELIGIBILITY CONDITIONS:

The Mahatma Jyothirao Phule Shetkari Karj Mukthi Yojana is a promising scheme for the farmers in Maharashtra. The eligibility conditions are given below as follows:

You must be a farmer born and living in Maharashtra state.
You must be above 21 years of age.
Should be the resident of Maharashtra for not less than 3 years.
You must not have any other business interest other than farming.
You must not be enrolled in any other policy with the Government of Maharashtra other than the Mahatma Jyothirao Phule Shetkari Karj Mukthi Yojana.
You can waive the loan up till INR 2 Lakhs only.
Farmers cultivating traditional crops like fruits and sugarcane will get the benefit of this scheme.

DOCUMENT DETAILS:

To be a part of the Mahatma Jyothirao Phule Shetkari Karj Mukthi Yojana, the applicant must submit the below mentioned documents for the same. They are as follows:

Age Proof document.
Nativity Certificate.
Aadhar Card.
Passport Size Photos.
PAN Card.
Below Poverty Line Certificate.
Farmer Registration Documents.
Residential Certificate from Tahisildar.
Xerox of Birth Certificate verified by the Gazetted Officer.
Bank Accounts and the passbook details attested by the Gazetted Officer.
Income Certificate attested by the Gazetted Officer.
Affidavit of the notary if any major change has been done like the name change and others.

FEATURES OF THE SCHEME:

The features of the Mahatma Jyothirao Phule Shetkari Karj Mukthi Yojanaare given below as follows:

The state government has announced that every beneficiary will get the loan waiver uptill INR 2 Lakhs.
All the crop loans pending till September 30, 2019 will be waived by the Government of Maharashtra.
Needy farmers do not have to face any financial pressures, while repaying the agricultural loans.
Government of Maharashtra will offer INR 50,000 to the farmers, repaying the loans regularly under the Mahatma Jyothirao Phule Shetkari Karj Mukthi Yojana.
Zero interest for the farmer availing the loans under this scheme up to INR 3 Lakhs is also in the pipeline.
The waiver is applicable on the short term crop loans and the restructured crop loans taken by the farmers.
The government will make the payment of the debt relief amount directly to the loan account of the farmers.
The crop loans taken by the farmers in District Cooperative Societies, Rural Banks, Working Co-Operatives and other banks will be waived.

PROCEDURE FOR APPLYING:

The procedure for applying under the Mahatma Jyothirao Phule Shetkari Karj Mukthi Yojana is given below as follows:

Applicant must go to the nearest branch, where he/she has taken the agricultural loan to avail the agricultural credits.
The applicant must fill up the form with appropriate information and make sure that the details are genuine.
Applicant must take the Xerox of all documents like the Pan Card, Aadhar and attach it to the form and submit to the nearest bank.
Bank official will check all the details of the application and scrutinise them.
After the registration under this scheme is done, the bank will continue to process the loan waiver request and the amount will be deposited into the account of the applicant within a month’s time.

FREQUENTLY ASKED QUESTIONS:

1. How to check the recipient details under the Mahatma Jyothirao Phule Shetkari Karj Mukthi Yojana?

You can browse the details using the website

https://mjpsky.maharashtra.gov.in/index.html.

2. Do we need to pay any money to take the form?

No, it is absolutely free.

3. What happens if Aadhar number is not linked under this scheme?

Banks will release list showing the Aadhar unlinked loan accounts at various bank branches, about the village/districts covered. They will inform the farmers using the SMS to submit the Aadhar number immediately.

4. What happens if the loan due is more than 2 lakhs?

The Government of Maharashtra will not entertain such applications.

5. What are the details mentioned in the Karz Maafi List under this scheme?

The details mentioned under the Karz Maafi list consist of the following information.

Name of the farmer.
District.
Mobile number.
Identification number of the farmer.
Aadhar No/PAN Card No.
Farmers bank name and account details.

6. If a farmer has already taken loan long back under this scheme, is he/she eligible for this scheme?

Yes, the farmers already benefitted under this scheme, can avail the loans, provided he/she fulfils the eligibility criteria’s.

7. How many persons in a family can apply for this scheme?

One person per family can apply.

8. While calculating the interest, does the bank include the total interest or the interest levied until 30 Sept 2019?

Banks will calculate the interest levied until 30 Sept 2019. After this date the interest will not be calculated.

9. Will the Government share the excluded list with the banks?

No, the Government will not share the list.

10. How will banks come to know if any online concerns have been submitted?

The district nodal officer of the bank will login to the portal and check grievance’s segment on a daily basis and give suitable reply.

CONTACT DETAILS:

The applicant can send the correspondence to the address mentioned below for speedy resolutions:

Co-operation Marketing and Textiles Department
358, Annexe 3^rd Floor
Mantralaya
Madam Bhikaji Cama Road
Hutatma Rajguru Chowk
Mumbai—400032
Email: contact.mjpsky2019@maharashtra.gov.in
Phone: 8657593810, 8657593809, 8657593808

Mahatma Jyothirao Phule Shetkari Karj Mukthi Yojana

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