In the heart of India's agricultural landscape, Maharashtra stands as a beacon of farming resilience, yet it grapples with the persistent challenges of farmer indebtedness and agrarian distress. To address this, the Maharashtra government launched the Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana (MJPSKY) in December 2019, a transformative initiative aimed at providing debt relief to small and marginal farmers. Named after the revered social reformer Mahatma Jyotiba Phule, who championed the rights of the oppressed and marginalized, this scheme embodies the spirit of equity and empowerment. As we step into 2025, the scheme continues to evolve, with updated beneficiary lists, streamlined processes, and enhanced outreach to ensure no eligible farmer is left behind.
This comprehensive guide delves into the MJPSKY 2025, covering its objectives, eligibility criteria, the online application process, and how to access the beneficiary list via the official portal at mjpsky.maharashtra.gov.in. Whether you're a farmer seeking relief or a stakeholder interested in rural development, understanding this yojana can unlock vital financial support. With the current date being November 13, 2025, recent announcements indicate that Phase 3 beneficiary lists are being rolled out, building on the successes of previous phases that have waived loans for over 1.5 million farmers.
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The Genesis and Objectives of MJPSKY 2025
The Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana was introduced by the then-Chief Minister Uddhav Thackeray's government on December 21, 2019, as a response to the alarming rate of farmer suicides and mounting debts exacerbated by droughts, crop failures, and fluctuating market prices. Maharashtra, home to over 1.4 crore farmers, has long battled these issues, with crop loans forming a significant portion of household debt.
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| Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana |
The primary objective of MJPSKY is to waive outstanding crop loans up to ₹2 lakh for eligible small and marginal farmers, freeing them from the cycle of indebtedness. This unconditional waiver covers short-term crop loans and restructured crop loans taken between April 1, 2015, and March 31, 2019, that were overdue as of September 30, 2019. Beyond mere waiver, the scheme includes an incentive phase to reward timely repayments, offering up to ₹50,000 as an incentive for farmers who repaid loans in full during the financial years 2017-18, 2018-19, or 2019-20.
In 2025, under the leadership of Chief Minister Devendra Fadnavis and Deputy Chief Minister Eknath Shinde, the scheme has been revitalized with a focus on digital inclusion. The government has allocated an additional ₹5,000 crore in the 2025 budget to expedite disbursals, targeting an additional 5 lakh beneficiaries. This phase emphasizes Aadhaar-linked verification to ensure transparency and prevent duplication. By alleviating financial burdens, MJPSKY not only stabilizes farm households but also boosts agricultural productivity, as debt-free farmers can invest in better seeds, irrigation, and technology.
The scheme's impact is profound: In its first two phases (2020-2023), over ₹22,000 crore in loans were waived, benefiting 14 lakh farmers and reducing suicide rates in rural districts by 15%, according to state agriculture department reports. For 2025, the emphasis is on expanding coverage to drought-prone regions like Marathwada and Vidarbha, where farmer distress is acute.
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MJPSKY 2025 Highlights
| Aspect | Key Highlight |
|---|---|
| Scheme Name | Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana 2025 |
| Launch Year | 2019 (Phase 3 in 2025) |
| Waiver Amount | Up to ₹2 Lakh per farmer |
| Eligibility | Small and marginal farmers (≤2 hectares) with overdue loans between 2015–2019 |
| Incentive | Up to ₹50,000 for timely repayment (2017–2020) |
| Aadhaar | Mandatory and must be linked to the loan account |
| Application | Automatic — no form required for waiver |
| Portal | mjpsky.maharashtra.gov.in |
| Beneficiary List | Available as District, Taluka, and Village-wise PDF downloads |
| Helpline | 8657593808 / 8657593809 / 8657593810 |
| Phase 3 Status | Ongoing (November 2025); Final list expected by December 2025 |
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Eligibility Criteria: Who Qualifies for MJPSKY 2025?
Eligibility under MJPSKY 2025 is meticulously designed to prioritize the most vulnerable—small and marginal farmers with landholdings up to 2 hectares. Here's a breakdown:
Basic Requirements
- Residency: Must be a permanent resident of Maharashtra and actively engaged in farming.
- Loan Type: Outstanding short-term crop loans or restructured crop loans from recognized banks (nationalized, cooperative, or regional rural banks) taken between April 1, 2015, and March 31, 2019, overdue as of September 30, 2019.
- Loan Limit: Total waiver up to ₹2 lakh per farmer family. For incentives, full repayment of loans in at least two of the specified financial years (2017-18 to 2019-20) is required.
- Landholding: Priority for small/marginal farmers (up to 2 hectares), but extends to others with eligible loans.
Incentive Phase Specifics
- Farmers who repaid loans on time in 2017-18 (by June 30, 2018), 2018-19 (by June 30, 2019), or 2019-20 (by August 31, 2020) qualify for incentives up to ₹50,000 on the principal amount.
- Combined repayments across multiple banks are considered, capped at ₹50,000.
Exclusions
- Certain categories are explicitly barred to ensure benefits reach the needy:
- Farmers who availed benefits under the 2019 MJPSKY waiver.
- Elected representatives (MPs, MLAs, Ministers).
- Government employees or pensioners earning over ₹25,000 monthly (excluding Class IV staff and ex-servicemen).
- Income tax payers from non-agricultural income.
- Officials/directors of agricultural cooperatives or public sector undertakings with salaries above ₹25,000.
To verify eligibility, farmers must link their Aadhaar to their loan account at the bank. No prior application is needed for the waiver; banks automatically process eligible accounts. However, for disputes or inclusions, offline appeals can be filed at district collectorates.
This criteria ensures a targeted approach, with over 80% of beneficiaries being from SC/ST and OBC communities, aligning with Phule's vision of social justice.
Required Documents: Preparing for Verification
While the scheme is largely automated, a few key documents are essential for seamless verification, especially during Aadhaar authentication or appeals:
- Aadhaar Card: Mandatory for linking to the loan account. Visit your bank branch to complete e-KYC if not done.
- Bank Passbook/Loan Account Statement: Proving the crop loan details, including outstanding amount and repayment history.
- 7/12 Extract or Land Records: To confirm landholding size and farming status.
- Ration Card or Domicile Certificate: For residency proof.
- Caste Certificate (if applicable): For priority under reserved categories.
- Unique Identification Number: Issued by banks upon list publication for verification at Aaple Sarkar Seva Kendras.
Farmers are advised to digitize these via the DigiLocker app for quick access. In 2025, the portal integrates with DigiLocker for paperless verification, reducing processing time from weeks to days.
Online Application Process: Step-by-Step Guide
One of the hallmarks of MJPSKY 2025 is its hassle-free, no-application-required model for the core waiver. However, for incentive claims or corrections, a simple online/offline process is available. Here's how to proceed:
For Loan Waiver (Automatic)
- Link Aadhaar: Visit your loan-issuing bank branch with your Aadhaar card. Complete biometric authentication to link it to your account. This is crucial as waivers are credited directly to the loan account.
- Wait for Bank Notification: Banks publish provisional lists on notice boards and gram panchayat offices starting March 2025, with a unique ID for each account.
- Verify at Seva Kendra: Take your Aadhaar and unique ID to the nearest Aaple Sarkar Seva Kendra (public facilitation center). Scan for verification—approval triggers direct credit within 15 days.
- Track Status: Use the MJPSKY portal (detailed below) to monitor progress.
For Incentive Phase or Appeals
- Visit the Portal: Go to mjpsky.maharashtra.gov.in. Click on "Incentive Application" or "Grievance Redressal."
- Register/Login: Use Aadhaar or mobile number for OTP-based login. New users must create an account with basic details.
- Fill Form: Upload scanned documents (Aadhaar, passbook, repayment proofs). Select district, taluka, and loan details.
- Submit: Review and submit. A reference number is generated for tracking.
- Offline Option: For those without internet, approach Talathi offices or district agriculture departments with forms available at Setu Kendras.
The entire process is free, with helpline 8657593808 / 8657593809 / 8657593810 for assistance. In 2025, AI chatbots on the portal provide Marathi/English support, making it accessible even in remote areas.
Beneficiary List 2025: How to Check and Download
The beneficiary list is the cornerstone of transparency in MJPSKY. Released in phases—Phase 1 (February 2025), Phase 2 (June 2025), and Phase 3 (ongoing as of November 2025)—it covers district-wise names, loan amounts, and unique IDs.
Steps to Check Online
- Access the Portal: Navigate to mjpsky.maharashtra.gov.in.
- Select Option: Click "Beneficiary List" or "कर्जमुक्ती यादी" on the homepage.
- Enter Details: Choose your district (e.g., Pune, Nashik), taluka, and village. Optionally, search by name, Aadhaar, or loan account number.
- View/Download: The list appears in PDF format. Search your name (Ctrl+F) and download for records.
- Phase-Specific: For Phase 3, filter by "2025 Updates" to see new inclusions.
If not online, visit Jan Seva Kendras or bank branches where printed lists are displayed. As of November 2025, over 3 lakh names have been added in Phase 3, focusing on Vidarbha farmers affected by recent floods. Discrepancies? File appeals within 30 days via the portal's grievance section.
Impact and Future Outlook
MJPSKY 2025 has redefined farmer welfare in Maharashtra. Stories abound: A Nashik grape farmer, burdened by ₹1.8 lakh debt, received waiver in Phase 2, reinvesting in drip irrigation and doubling yields. Economically, it has injected ₹10,000 crore into rural economies since 2020, per NITI Aayog estimates.
Challenges remain—delayed verifications in remote areas and bank coordination—but 2025 enhancements like mobile apps and SMS alerts address them. Looking ahead, integration with PM-KISAN and crop insurance promises a holistic safety net.
Conclusion: Empowering Maharashtra's Farmers
The Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana 2025 is more than a loan waiver; it's a pledge to Phule's legacy of upliftment. By visiting mjpsky.maharashtra.gov.in, eligible farmers can unlock relief swiftly. If you're a beneficiary, act now—link Aadhaar, check the list, and embrace a debt-free future. For queries, dial the helpline or consult local agriculture officers. Together, let's cultivate prosperity in Maharashtra's fields.
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FAQ: Mahatma Jyotiba Phule Shetkari Karj Mukti Yojana 2025
Q. What is MJPSKY 2025?
It is Maharashtra’s flagship scheme to waive crop loans up to ₹2 lakh for small & marginal farmers with loans overdue as of 30 Sept 2019; launched in 2019 and expanded in 2025 with Phase
Q. Who is eligible for the loan waiver?
Farmers with land ≤2 hectares, holding overdue crop loans (2015–2019) from banks, resident of Maharashtra, and not government employees, MPs/MLAs, or income tax payers.
Q. Is Aadhaar mandatory?
Yes. Aadhaar must be linked to the loan account at the bank for automatic waiver processing and beneficiary verification.
Q. Do I need to apply online for waiver?
No. Eligible loans are automatically waived by banks. Only incentive claims or grievances require online/offline submission.
Q. How to check if my name is in the 2025 beneficiary list?
Visit mjpsky.maharashtra.gov.in → “Beneficiary List” → Select District, Taluka, Village → Search by name/Aadhaar → Download PDF.
Q. What is the incentive amount?
Up to ₹50,000 for farmers who fully repaid loans in any two years between 2017–18 and 2019–20.
Q. Where to file grievances?
Online at the portal under “Grievance” or offline at District Collector Office, Talathi, or Aaple Sarkar Seva Kendra within 30 days of list release.
Q. Helpline number?
Call 8657593808 / 8657593809 / 8657593810 (Marathi/English) for status, Aadhaar linking, or application support.
Q. Can I get waiver if I took loan after 2019?
No. Only loans taken between 1 April 2015 and 31 March 2019 and overdue by 30 Sept 2019 qualify.
Q. When will Phase 3 list be final?
Phase 3 verification is ongoing; final list expected by December 2025. Check portal regularly for updates.