Assam Kisan Rin Mafi Yojana (Assam Farm Loan Relief)

What is the Assam Kisan Rin Mafi Yojana?

Assam Kisan Rin Mafi Yojana; also written as Assam Krishi Rin Mafi or Assam farm loan waiver, is the popular name given to farm loan relief announced by the Government of Assam in the 2018-19 state budget, formally referred to as the Assam Debt Relief Scheme. It was a one-time measure to reduce the burden of crop loan dues on farmers who had borrowed from cooperative banks, regional rural banks and other lending institutions.

Press reporting of the announcement described the relief as 25 per cent of the loan amount, capped at Rs 25,000 per farmer, applied to loans sanctioned within a defined window around the 2018-19 financial year. Two related measures were announced alongside it: an interest relief scheme under which the state bore part of the interest on crop loans, and a one-time payment to Kisan Credit Card defaulters to let them reactivate a dormant loan account.

This guide states those figures with attribution rather than as settled entitlements, because they could not be confirmed on an Assam government portal during this fact check. The Directorate of Agriculture, the Agriculture and Horticulture Department and the Assam state portal's scheme listing were all checked, and none of them currently carries a farm loan waiver scheme page.

What that means for a farmer reading this today

• There is no open application window for a farm loan waiver published on any Assam government portal.
• Any relief of this kind is applied by the lending bank against loan accounts, using bank records, not by a farmer filling a form on a website.
• Claims circulating on third-party scheme websites that Assam offers a Rs 2 lakh farm loan waiver are not supported by any Assam government source and should be treated as unreliable.

Who was covered and who is not eligible?

Farmers covered by relief of this type are typically:

• Assam residents cultivating land in the state.
• Holders of a crop loan or Kisan Credit Card loan from a cooperative bank, regional rural bank or commercial bank operating in Assam.
• Farmers whose loan was sanctioned within the window specified in the scheme notification, which for the 2018-19 measure was reported as loans sanctioned in that financial year.
• Farmers whose loan accounts were standard or overdue rather than written off by the bank through other means.

You are not eligible where:

• The borrowing was a term loan for machinery, land purchase or non-agricultural purposes rather than a crop loan.
• The loan was taken from a moneylender or an unregistered private lender. Government relief operates only through the formal banking system, and informal debt cannot be waived by the state.
• The borrower is not a cultivator, a trader, an input dealer or an agri-business borrower does not fall within a crop loan waiver.
• The loan account falls outside the sanction window named in the notification.
• The relief has already been credited once against the same account; these are one-time measures, not annual entitlements.

What documents does the bank need?

How to apply for farm loan relief in Assam

1. Visit the branch where your Kisan Credit Card or crop loan is held; cooperative bank, regional rural bank or commercial bank — and ask the branch manager whether any state farm loan relief is currently being applied to accounts.
2. Ask for a loan account statement showing the sanction date, the amount outstanding, repayments made and the account classification. This is the record any relief is calculated on.
3. Check your details in the bank record, name, Aadhaar seeding, land particulars, and get errors corrected, since relief is credited to the account only when the record matches.
4. Meet the District Agriculture Officer or the Assistant Registrar of Cooperative Societies in your district if the branch cannot answer, as these offices receive state instructions on farm credit relief.
5. Write to the Agriculture Department at agridepart-sect@assam.gov.in for a formal written position if the district level does not resolve the question.
6. Do not pay any agent. No middleman can get a loan waived, and there is no fee for asking a bank about relief on your own account.

What relief is actually available to Assam farmers now?

Rather than waiting for a waiver announcement, a farmer in Assam should use the credit support that is genuinely running:

• Kisan Credit Card interest subvention. Short-term crop loans up to Rs 3 lakh carry a central interest subvention with an additional prompt repayment incentive, so a farmer who repays on time pays a substantially reduced effective rate. Assam has at times added a state share of interest on loans up to Rs 2 lakh; ask your branch what the combined rate is this season.
• PM-KISAN, which pays Rs 6,000 a year in three instalments of Rs 2,000 to land-holding farmer families and is often the simplest way to service a small loan instalment.
• Pradhan Mantri Fasal Bima Yojana, listed as an active scheme by the Directorate of Agriculture, which covers crop loss and prevents a failed season from turning into unpayable debt in the first place.
• Mukhya Mantri Krishi Sa Sajuli Yojana and CMSGUY, the state's own agriculture schemes listed by the Directorate of Agriculture, which reduce the input and equipment costs that drive borrowing.

Repaying on time matters more than waiting for relief. A loan account that slips into default loses the prompt repayment incentive immediately, and past Assam measures have needed a separate Rs 10,000 payment simply to make defaulted KCC accounts operable again.

Where do I check and complain?

• Your lending bank branch, which holds the account and applies any relief.
• District Agriculture Officer of your district, for state scheme instructions.
• Assistant Registrar of Cooperative Societies, where the loan is from a cooperative bank or a primary agricultural credit society.
• Agriculture Department, Government of Assam, agridepart-sect@assam.gov.in.
• Directorate of Agriculture, Assam, diragri.assam.gov.in, for the current list of running state agriculture schemes.
• The Banking Ombudsman of the Reserve Bank of India, where a bank has wrongly denied relief that a notification clearly extended to your account.

Before acting on any figure you read about an Assam farm loan waiver, confirm it with your bank branch or the District Agriculture Officer. Waiver announcements attract a large volume of inaccurate third-party content, and the Rs 2 lakh figure attached to this scheme name online is one example that no Assam government source supports.