Karnataka Farm Loan Waiver List, Payment Certificate, Loan Status Report is available at the official website clws.karnataka.gov.in. Now any farmer can find their name in the Crop Loan Waiver Scheme (CLWS) list of beneficiaries 2021 released by the Karnataka government. The complete payment and loan status report is available and can be checked using Aadhaar number and Ration Card number. The report would contain the commercial bank loan details, bank payment details, Primary Agricultural Cooperative Society (PACS) loan details, PACS Payment details and can be downloaded / printed.
Crop Loan Waiver individual loanee report, citizen payment certificate for PACS and citizen payment certificate for banks is available at the official website. All the beneficiary farmers can check the Crop Loan Waiver Certificate for citizen using aadhaar card number, ration card number and FSD ID.
The complete list of beneficiaries of Karnataka Farmer Loan Waiver Scheme who have taken loans from cooperative sector or commercial sector is now available.
Karnataka Crop Loan Waiver Scheme 2021 – Payment / Loan Status Report
Karnataka Crop Loan Waiver Payment Certificate – Bank – CLWS – https://clws.karnataka.gov.in/clws/payment/bankcertificate/
Crop Loan Waiver Report for Loan Waiver Payment Bank – https://clws.karnataka.gov.in/loanwaiverreport/
Crop Loan Waiver Scheme Homepage – https://clws.karnataka.gov.in/
Crop Loan Waiver Payment & Loan Status Report by Aadhaar No. or Ration Card Number – https://clws.karnataka.gov.in/clws/pacs/citizenreport/
Check Name in Karnataka Farm Loan Waiver List at clws.karnataka.gov.in (Update As on 6 February 2019)
Below is the complete procedure to check the name of beneficiary farmers in the Karnataka Farm Loan Waiver List:-
- Firstly visit the official website clws.karnataka.gov.in
- At the homepage, go to the “Services for Citizen” section at the official website as shown below:-
- Here all the beneficiary farmers can opt for either of the 3 choices namely “Individual Loanee Report”, “Citizen Payment certificate for PACS” and “Citizen Payment Certificate for Banks”.
- Individual Loanee Report – Farmers can access the individual loanee report through the link – http://clws.karnataka.gov.in/clws/pacs/citizenreport/. The payment and loan status report will appear as follows:-
- Here candidates can get details of commercial bank loan details, bank payment details, PACS loan details and PACS payment details and click at the “Print” option.
- Citizen Payment Certificate for PACS – To access the citizen payment certificate for PACS, click the direct link – http://clws.karnataka.gov.in/clws/payment/pacscertificate/. The Crop Loan Waiver Payment Certificate for citizens on loans taken from cooperative sector will appear as shown below:-
- Here candidates can get find their details of loans through taken from cooperative sector by using aadhaar card number, ration card number, FSD ID.
- Citizen Payment Certificate for Banks – To access the citizen payment certificate for Banks, click the direct link – http://clws.karnataka.gov.in/clws/payment/bankcertificate/. The Crop Loan Waiver Payment Certificate for citizens on loans taken from commercial sector will appear as shown below:-
- Here candidates can get find their details of loans through taken from commercial sector by using aadhaar card number, ration card number, FSD ID.
At the Karnataka Farm Loan Waiver Scheme official website, CLWS provides various services under one system for citizen.
All the beneficiary farmers can avail services for Taluk level committee, Nadakacheri, cooperative banks, commercial banks at http://clws.karnataka.gov.in/.
Under Crop Loan Waiver Scheme in Karnataka, govt. will waive off crop loans upto Rs. 2 lakh of defaulter farmers.
Karnataka Farm Loan Waiver Scheme One Stroke Implementation in Budget 2019-20 (Update As on 14 January 2019)
Karnataka CM has announced that the state govt. will fulfill commitment of paying Rs. 46,000 crore under Farm Loan Waiver Scheme. Now the state govt. is going for one stroke implementation to completely waive off loans of farmers under Farmer Loan Waiver Scheme in the upcoming Karnataka second Budget 2019-20 scheduled to be presented on 8th February 2019.
Previously, the state govt. planned to complete the farm loan waiver scheme in 4 stages. But after the relentless attack on CM by PM Narendra Modi, who termed it as only a “lollipop” for insignificant number of farmers, the state govt. has decided to do so.
The state govt. is working hard to resolve the long term demand of waiving loans of farmers. In the upcoming budget, CM will clear the complete loan waiver and now it will not take 4 years. Hence the primary focus is to make it clear that it is not only a lollipop but it is a major step towards the welfare of farmers.
Karnataka Farm Loan Waiver Scheme – Single Phase Implementation
Now the Karnataka Farm Loan Waiver Scheme is going to be implemented in one stroke with required allocation in the second budget for FY 2019-2020. While the state govt. had earlier decided to complete the Farmer Loan Waiver process 4 stages. CM Kumaraswamy also reacted to the comment of Union minister Rajnath Singh which stated that the state govt. had promised complete loan waiver to farmers but was only issuing notice to farmers for loan recovery.
CM said that notices are only being issued by the various nationalized banks which comes under the control of central govt. which shows the mean mentality of the central government. This shows that the Modi led NDA govt. is taking the issue of solving farmers worries so lightly. On 8 February 2019, the state govt. will present its new budget of 2019-2020 and now loan waiver will not be taken to 4 stages, instead it would be completed in a single phase.
It is imperative to note that it would be done without violating the fiscal responsibility. CM will prove that with complete allocation of money for Farmer Loan Waiver Scheme, govt. is committed to the welfare of farmers. The state govt. had announced Rs. 46,000 crore loan waiver scheme in July 2018 but it was having certain issues particularly related to nationalized banks. After its complete implementation, the state’s scheme will become a role model for other states in the days to come.
Till date, there is a tedious task of waiving off Rs. 46,000 crore farm loan from nationalized and cooperative banks. For this purpose, CM has created a separate cell and even appointed an IAS officer to work on this for 24 hours. CM office (CMO) is consistently tracking the progress on a daily basis and is working effectively to ensure that loan waiver benefits reaches every farmer across the state.
Till 11 January 2019, the farm loan waiver has already reached around 1,70,000 farmers and the state govt. has already released Rs. 900 crore. In the 1st Budget, the state govt. has allocated Rs. 9,000 crore for loan waiver scheme in the first year. By 31 January 2019, approx. 11 to 12 lakh farmers will get the loan waiver benefits. CM said that a comparison should be made between the farm loan waiver schemes of various states like Uttar Pradesh, Maharashtra, Andhra Pradesh. Karnataka Farm Loan Waiver Scheme is surely a role model as the farmers got benefited in a lesser time span.
The state govt. was holding discussions with the nationalized banks, and the govt. was expecting some relaxation in the backdrop of one time settlement plan. Out of the Rs. 9,500 crore loan waiver details of the cooperative banks that the state govt. has, some were false claims. According to the guidelines, farmers needs to submit some documents in order to find out the people who are misusing it and to eliminate them. Karnataka Farm Loan Waiver Scheme implementation is the biggest achievement of the state government so far.
Karnataka Farm Loan Waiver Scheme to Waive off Nationalised Bank Loans of Farmers (Update As on 25 August 2018)
Karnataka govt. has cleared the plan for Farm Loan Waiver Scheme to waive off Nationalised Banks Loans of Farmers. Under this scheme, all crop loans of the farmers taken from nationalized banks will be waived. Even the farmers who have repaid loans on time will get incentives. The state govt. will provide Rs. 30,160 crore to the banks including Rs. 7,419 crore interest to benefit around 23 lakh loan bank account holders.
With all the nationalized banks refusing to accept the zero interest bonds or waiver of interest on current loans, the state govt. expects an additional burden of Rs. 30,160 crore to waive off crop loans. Moreover, all the banks have agreed to accept payment in installments but with interest calculated for all 4 years over which the loan reimbursement will be spread.
After the CM H.D. Kumaraswamy meeting with banks official on 25 August 2018, it is decided that banks are ready to issue “No-Debt Certificate” to farmers immediately.
Karnataka Farm Loan Waiver Scheme for Nationalised Bank Loans
As per the official statement said “We have decided on the quantum to be set aside for Karnataka Farm Loan Waiver Scheme for Nationalised Bank loans over the next 4 years. Total loans from nationalised banks are to the tune of Rs. 30,160 crore. This is apart from the loans availed from co-operative banks. All put together, the waiver package is worth Rs. 42,000 to 43,000 crore”.
The interest alone on the total waiver will run upto Rs. 7,419 crore. The govt. intends to repay the loans from budgetary allocations. Karnataka govt. will make repayment in less than 4 years. Now the farmers will not have to deal with banks anymore. Now it is only between banks and the state government. Farmers can now avail fresh loans from banks.
This move will benefit 16.94 lakh loan account holders in addition to 6.23 lakh account holders who will receive incentives for having their repaid loans. The plan is to waive off loans of farmers from nationalised banks and incentivise account holders to benefit 23 lakh loan account holders.
While 30,163 crore is the estimated amount including the interest for the next 4 years. But 2 IAS officers who have been appointed as nodal officers will work out the actual cost to the govt. after consultation with the banks. These officials will also ensure that the loan waiver scheme only benefits the farmers and neither the banks nor the middlemen.
Finance Dept is soon going to issue a government order for Farm Loan Waiver Scheme. After this notification, farmers are likely to get “No-Debt Certificates” from banks which will make them eligible for fresh loans.
When Banks will be Paid Back
The state govt. will make payments to the banks in the next 4 years. The amount to be paid is shown in the table below:-
|2018-19||Rs. 6500 crore|
|2019-20||Rs. 8656 crore|
|2020-21||Rs. 7621 crore|
|2021-22||Rs. 7131 crore|
Previously, the state govt. has waived off the crop loans of farmers from Regional Rural Banks, Co-operative banks.
Now the state govt. has waived off the loans from nationalized banks also to complete the farm loan waiver process. From today onward, any bank cannot harass farmers for the loan amount as it was promised during elections.
Karnataka Crop / Farm Loan Waiver Scheme for Farmers to waive off upto Rs. 2 lakh (Update As on 5 July 2018)
Karnataka govt. has announced the launch of Crop / Farm Loan Waiver Scheme (Karj Mafi Yojana) for farmers. In the 1st phase of Karz Mafi scheme, govt. will waive off all the crop loans upto Rs. 2 lakh of defaulter farmers till 31 December 2017. This Farm / Crop Loan Waiver Scheme will cost Rs. 34,000 to the state government.
Even the state govt. is going to repay Rs. 25,000 or full loan amount (whichever is lower) to all the farmers who have repaid their loans on time. This repayment amount will serve as encouragement for all non-defaulting farmers.
The state govt. has earmarked Rs. 6,500 crore for this scheme in 2018-19 budget. Govt. will issue clearance certificates to the defaulter farmers whose loans have been waived off. This will make farmers eligible for taking a new loan from banks.
Karnataka Farm Loan Waiver Scheme Eligibility
The state govt. fixes the maximum principal loan amount to be waived off at Rs. 2 lakh. In his maiden budget speech, CM gives hints that the farm loan waiver scheme will be applicable on the loans taken from Nationalised and co-operative banks. However, there are certain restrictions on who could avail this loan waiver scheme benefits:-
- Families of officials of the cooperative sector are not eligible.
- All the families of government officials and other ineligible farm loan recipients are not allowed to take the benefits of this scheme.
- Farmers who have not paid income tax for past 3 years are also not eligible.
CM HD Kumaraswamy announced that a new Farmers Advisory Committee will be formed. He also allocated Rs. 50 crore for zero-capital natural farming project (on lines of AP Model).
Implementation of Karnataka Farm Loan Waiver Scheme
This would be done by increasing taxes and rising the prices of petrol and diesel. Govt. says that the Excise Duty will be increased to generate funds for Farm Loan Waiver Scheme.
Karnataka Budget 2018-19 proposes an increase in petrol prices by Rs. 1.14 and diesel by Rs. 1.12. Moreover, the budget also proposes that the tax on electricity consumption will also be increased from 6% to 9%.
Previously, Siddaramaiah govt. had started a loan waiver scheme for farmers who have taken loans from co-operative banks with an allocation of Rs. 8,165 crore. Out of this amount, Rs. 4,165 crore have already being paid to the farmers. The existing govt. will pay the remaining amount separately to all such co-operative banks.