Karnataka Crop Loan Waiver Scheme (CLWS)

Why it matters

Get your crop loan up to ₹2 lakh, taken from a cooperative society, waived off if you are a small or marginal farmer in distress.

What you get

The Karnataka Crop Loan Waiver Scheme provides loan-waiver relief of up to ₹2 lakh to small and marginalised farmers who took agricultural loans from Primary Agricultural Credit Co-operative Societies (PACS), helping farmers hit by drought and other distress recover without the burden of accumulated cooperative loan debt. Only loans up to ₹2 lakh are waived, and the waiver amount is disbursed to beneficiaries in phases. The scheme required a budget outlay of around ₹6,500 crore and has benefited roughly 17.32 lakh farmers to date, verified through the CLWS portal.

Eligibility criteria

• Citizen of Karnataka who has taken an agricultural loan for farming purposes
• Loan must be from a Primary Agricultural Credit Co-operative Society (PACS), not a commercial bank
• No family member should be a government or private sector employee
• Only loan amounts up to ₹2 lakh qualify for waiver

How to apply

1. 1

   Check eligibility and loan waiver status at clws.karnataka.gov.in using Aadhaar/ration card number

2. 2

   No separate application typically needed — eligible PACS loan accounts are auto-identified by the department

3. 3

   Waiver amount credited directly to the cooperative loan account in phases

Documents required

• Aadhaar card
• Ration card
• PACS loan account details