Uttarakhand Farm Loan Scheme (Krishi Rin Yojana)

Why it matters

Provides farmers easier access to short-term crop loans through state-backed cooperative credit, with interest support to keep borrowing costs low.

What you get

The Uttarakhand Farm Loan Scheme facilitates short-term crop loans to farmers through the state's cooperative banking network, with state-level interest support layered on top of the central Kisan Credit Card interest subvention to keep effective borrowing costs low for hill farmers. The scheme is intended to reduce farmers' dependence on informal high-interest moneylenders for seasonal input costs (seed, fertiliser, labour) by ensuring formal credit is accessible even in remote hill blocks where commercial bank branch density is low, routing credit instead through district cooperative banks and primary agricultural credit societies.

Eligibility criteria

• Farmer cultivating land in Uttarakhand
• Member of, or eligible to join, a Primary Agricultural Credit Society / District Cooperative Bank
• Valid land record for loan collateral/crop loan assessment

How to apply

1. 1

   Apply through the local Primary Agricultural Credit Society or District Cooperative Bank branch

2. 2

   Submit land and crop details for loan assessment

3. 3

   Loan sanctioned as a Kisan Credit Card or seasonal crop loan with applicable interest subvention

4. 4

   Repay as per the cooperative bank's crop-loan repayment schedule to retain interest benefits

Documents required

• Aadhaar card
• Land record (Khatauni)
• Kisan Credit Card or loan application form
• Bank/cooperative society membership proof