For lakhs of farmers across Maharashtra, the maharashtra karj mafi list 2026 has become the most watched document of the year. It began with a budget announcement, moved through a cabinet approval, and is now unfolding as a series of beneficiary lists released one after another. Yet the questions farmers are actually asking are simple and practical: where do I see the list, is my name in it, and what do I do if it is not?
This guide answers all of that in one place. You will find the honest, official way to check your name in the list — not the rumours circulating on WhatsApp — followed by full eligibility and exclusion rules, a complete timeline of events, the truth about the ₹50,000 incentive, and the precautions that will keep you safe from fraudsters. Read it to the end: the FAQ section at the bottom covers the exact questions Maharashtra’s farmers are asking the most.
maharashtra karj mafi list 2026: Quick Facts
| Detail | Information |
|---|---|
| Scheme name | Punyashlok Ahilyadevi Holkar Shetkari Karj Mukti Yojana 2026 (PAHSKY) |
| State | Maharashtra |
| Department | Cooperation Department, Government of Maharashtra |
| Loan waiver limit | Up to ₹2 lakh per farmer (short-term crop loans) |
| Incentive for regular repayers | Up to ₹50,000 |
| Eligible loan period | 1 April 2019 to 31 March 2025 |
| Total approved outlay | ₹36,585 crore |
| Expected beneficiaries | Around 56 lakh farmer families |
| Payment mode | DBT — directly into the crop loan account |
| Latest update | Phase-3 payment, 1 October 2026 — ₹3,160.43 crore to 3,27,250 farmers |
| Where to see the list | Bank branch, vikas seva sahakari society, gram panchayat |
| Aadhaar authentication | Aaple Sarkar Seva Kendra (around 32,000 centres in the state) |
Full Timeline: From Budget Announcement to Phase 3
Understanding the background clears up half the confusion. Here is every major milestone, based on government announcements and media reports:
| Date | What happened |
|---|---|
| 6 March 2026 | Loan waiver up to ₹2 lakh announced in Maharashtra Budget 2026-27 by CM Devendra Fadnavis |
| 2 June 2026 | State cabinet approved the scheme; GR issued the same day; ₹36,585 crore outlay |
| 15 July 2026 | Revised GR with relaxed eligibility (cabinet had cleared the modifications on 14 July) |
| 22 July 2026 | First (representative/launch) list: 533 farmers from seven districts |
| 5 August 2026 | 1.40 lakh farmers declared ineligible (94,000 income-tax payers + 46,000 technical discrepancies); 16.96 lakh eligible, ₹13,336 crore |
| 7 August 2026 | Phase 1: ₹5,028 crore transferred via DBT to 6.22 lakh farmers |
| 24 August 2026 | Phase 2: ₹5,086 crore to 6,36,036 farmers (media reports) |
| 11 September 2026 | Second list: 3,55,614 farmers (media reports) |
| 1 October 2026 | Phase-3 payment: ₹3,160.43 crore to 3,27,250 farmers (announced by the Chief Minister) |
As per media-report estimates, roughly ₹13,276 crore has reached about 15.85 lakh farmers so far (the government has not released a consolidated figure). More lists will follow as banks submit corrected loan data.
Note: At launch it was said that fresh lists would come every 15 days, but in practice the gaps have been longer (22 July, 11 September, 1 October). No fixed date for the next list has been announced — lists are released in phases as verification completes.
How to Check Your Name in the Karj Mafi List (Step-by-Step)
First, an important clarification: there is no application form for this scheme, and there is no public online “search your name” facility. Fifty-three banks uploaded loan data to a dedicated portal built by MahaIT, and the lists flow back down to the district level from there. Be careful of websites claiming a “full statewide list PDF download” — the government has not released any such statewide PDF.
Follow these five steps:
Step 1 — Visit your bank branch or society
Go to the branch of the bank where your crop loan is running. If your loan is from a district central cooperative bank (DCCB), visit your vikas seva sahakari society (PACS). The district-wise list is available at both, and gram panchayat offices also display it.
Step 2 — Find your details in the list
Look for your name, village and loan account number. Note the outstanding amount shown as on 31 March 2026. Remember — interest added after 1 April 2026 has been waived, so your passbook may show a slightly higher figure than the list. That difference is normal.
Step 3 — Match the amount with your bank records
Compare the list figure with your bank records. If your name, Aadhaar number, account number or loan amount is wrong, inform your bank branch immediately. Around 12–13 lakh accounts were earlier sent back to banks for corrections — so errors in data are not unusual, but getting them corrected is essential.
Step 4 — Complete Aadhaar authentication
Visit the nearest Aaple Sarkar Seva Kendra with your Aadhaar card and loan account details. Around 32,000 such centres are working across the state. Farmers in the list also receive an SMS asking them to complete this step. Carry the Aadhaar-linked mobile number for OTP and your crop loan passbook.
Step 5 — Wait for DBT and check your passbook
After authentication, the waiver amount is credited through DBT directly into your crop loan account — not your savings account. Check your loan statement or passbook a few days later.
Where to complain: Complaints about Aadhaar details, loan amounts or account numbers are logged on the scheme portal and settled by a district-level committee headed by the Collector.
Who Is Eligible?
- The applicant must be a permanent resident of Maharashtra.
- Only short-term crop loans — including restructured ones — taken between 1 April 2019 and 31 March 2025.
- The loan must have been overdue on 30 September 2025 and still unpaid on 31 March 2026.
- Outstanding amount up to ₹2 lakh. No land-holding limit.
- Loans from nationalised, private, regional rural and district central cooperative banks covered, plus PACS own-fund loans.
- Aadhaar must be linked to the loan account for the DBT credit.
- Not having an Agristack Farmer ID will not block an eligible farmer.
Who Is NOT Eligible? (Exclusion List)
After scrutiny in August 2026, 1.40 lakh applicants were declared ineligible — 94,000 income-tax payers and 46,000 for technical discrepancies.
- Current and former MPs, MLAs and ministers
- Office-bearers of urban and rural local self-government bodies
- Serving and retired central/state government and semi-government employees
- Income-tax payers with non-agricultural income
- Office-bearers and employees of DCCBs, urban cooperative banks, cooperative sugar factories, spinning mills, milk unions and APMCs
- More than 2,000 public representatives were found ineligible during verification
The ₹50,000 Incentive for Regular Repayers
Farmers who diligently repaid their crop loans on time can get an incentive of up to ₹50,000. Farmers who cleared their crop loans in any two of the last three financial years qualify (as per government announcements and media reports).
The big 14 July 2026 modifications: The ₹50,000 cap for 2019-scheme beneficiaries is abolished — they can now claim the full ₹2 lakh waiver (about 13 lakh additional farmers). The timely-repayment condition through FY 2026-27 for the incentive was also removed (about 23 lakh additional farmers now eligible).
Loan Waiver vs ₹50,000 Incentive — Which One Applies to You?
- Loan waiver (up to ₹2 lakh): For farmers with outstanding crop loans — the dues get cleared.
- Incentive (up to ₹50,000): For farmers who repaid on time — a reward for honest repayment.
- They are separate benefits.
What to Do If Your Name Is Not in the List
1. Check your eligibility yourself against the conditions above.
2. Ask your bank about your data status — around 12–13 lakh accounts were sent back for corrections.
3. Confirm Aadhaar linking at your bank.
4. Wait for the next list — no date announced yet.
5. Use the grievance route — complaints go on the scheme portal, settled by the Collector-headed district committee.
What Happened to the 2019 Scheme?
The old Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana (2019) is now closed. The current scheme is the Punyashlok Ahilyadevi Holkar Shetkari Karj Mukti Yojana 2026. Farmers who benefited in 2019 are also eligible for up to ₹2 lakh under the new scheme.
The 1 October 2026 Drought Relief — How Is It Related?
Separately, on 1 October 2026, the Maharashtra government stayed farm loan recoveries in 305 drought-hit talukas until 30 April 2027. This is a different measure from the loan waiver scheme, but it relieves the same distressed farmers.
Beware of Scams
- There is no application form and no fee. Anyone demanding money to “add your name” is a fraud.
- No official statewide list PDF exists.
- Beneficiaries get an SMS for Aadhaar authentication. Do not click unknown links or share OTPs.
- The money comes via DBT directly into your loan account — no middleman.
Official Links and Further Reading
- MahaDBT: mahadbt.maharashtra.gov.in
- Maharashtra GR portal: gr.maharashtra.gov.in
- PIB: pib.gov.in
- More Maharashtra schemes on GramSuvidha: Mukhyamantri Majhi Ladki Bahin Yojana and Maharashtra Ration Card List
Frequently Asked Questions (FAQ)
1. How do I check my name in the maharashtra karj mafi list 2026 online?
There is no public online name-search for this scheme. Visit your bank branch, vikas seva sahakari society, or gram panchayat office — the district-wise lists are available there.
2. Can I download a statewide karj mafi list PDF?
No. The government has not released any single statewide list PDF. Any site selling a full-list PDF is not an official source.
3. Is the 2019 Mahatma Jyotiba Phule karj mafi scheme still running?
No, it is closed. It has been replaced by the Punyashlok Ahilyadevi Holkar Shetkari Karj Mukti Yojana 2026.
4. Will income-tax payers get the loan waiver?
No. Income-tax payers with non-agricultural income are excluded — 94,000 such farmers were removed in August 2026.
5. How often is the list updated? Will there be a fourth list?
At launch, lists every 15 days were promised, but actual gaps have been longer — 22 July (first), 11 September (second, media report), 1 October (phase-3 payment). No date for the next list has been announced.
6. My name is in the list but the money has not come — why?
Usually two reasons: (1) Aadhaar authentication pending — complete it at the nearest Aaple Sarkar Seva Kendra; (2) your bank has not sent corrected data yet. Ask your bank branch.
7. Who gets the ₹50,000 incentive?
Farmers who cleared their crop loans in any two of the last three financial years (as per government announcements and media reports). Separate from the waiver.
8. The list shows my dues above ₹2 lakh — am I out?
Not necessarily. As per media reports, the government’s “hair cut” policy means such accounts are still being cleared fully. Confirm with your bank branch.
9. My Aadhaar is not linked to my loan account — what should I do?
Visit your bank branch immediately to link Aadhaar with the loan account, then complete Aadhaar authentication at an Aaple Sarkar Seva Kendra.
10. An agent promised to add my name to the list for money — is this real?
No — this is fraud. There is no application form, no fee, and names are decided only by bank-uploaded data and verification. Report anyone demanding money.
Disclaimer: GramSuvidha is a private information portal, not a government website. This article is written for information based on public government announcements, GRs and media reports. For final and official information, contact your bank branch or the Cooperation Department, Government of Maharashtra.
*Last updated: 13 October 2026*
