Uttar Pradesh Mukhyamantri Krishak Samriddhi Yojana

Scheme Introduction: A Brief Overview

The Uttar Pradesh Mukhyamantri Krishak Samriddhi Yojana is a State Government initiative aimed at improving access to long-term agricultural credit for farmers, particularly small and marginal farmers. The scheme focuses on reducing the financial burden of long-term borrowing through an interest subsidy while strengthening the cooperative banking system that provides agricultural credit. For the financial year 2026-27, the Uttar Pradesh Government has made a provision of ₹38 crore for the scheme. This provision covers interest subsidy on long-term loans, working capital support for the cooperative rural development bank, and modernisation and branding of its branches.

Under the Mukhyamantri Krishak Samriddhi Yojana, eligible small and marginal farmers can access long-term agricultural loans of up to ₹6 lakh at a concessional interest rate of 6% per annum. The Uttar Pradesh Government will provide a 5% interest subsidy on the eligible loan, according to the Cabinet communication dated 15 September 2026. The credit support is intended to help farmers make long-term investments and create productive agricultural assets instead of limiting financial assistance to seasonal crop expenses.

The long-term loan component of the scheme will be provided through the U.P. Sahkari Gram Vikas Bank Ltd. The scheme also provides financial assistance to the cooperative bank for working capital and for the modernisation and branding of its branches. This support is intended to strengthen the institutional credit system and improve access to long-term agricultural finance for eligible farmers. Farmers who already use short-term credit through the Kisan Credit Card (KCC) system can have a separate long-term credit option for eligible agricultural investments.

Around 92% of Uttar Pradesh's farming families fall under the small and marginal farmer category, and these families are the primary beneficiaries identified for the scheme. Access to lower-cost long-term credit can help eligible farmers invest in areas such as irrigation, farm equipment and allied agricultural activities. The government expects this investment to support farm productivity and household income while also promoting self-employment and employment opportunities in rural areas. The scheme is also linked with the government's Viksit Uttar Pradesh@2047 objective.

The State Cabinet has approved a total provision of ₹384 crore for 2026-27 to 2030-31, with ₹38 crore in the 2026-27 State Budget. The Uttar Pradesh Government has now launched the Mukhyamantri Krishak Samriddhi Portal, through which farmers can complete the online beneficiary registration process for the scheme. However, the detailed Government Order and implementation guidelines are still awaited. Therefore, farmers should follow the instructions available on the official portal for registration and check the final government guidelines for detailed eligibility conditions, document requirements, loan processing and interest subsidy conditions.

The interest subsidy is also linked to timely repayment of instalments, so applicants should check the applicable conditions before availing the loan. The State Government is also working to support the welfare and development of farmers through various initiatives, including the Uttar Pradesh Mukhyamantri Krishak Durghatna Kalyan Yojana, which provides financial support to eligible farming families under specified circumstances.

Latest Update

The Mukhyamantri Krishak Samriddhi Yojana Portal is now live for farmers in Uttar Pradesh. Eligible applicants can visit the official portal and submit their online application for the scheme through the beneficiary registration facility. The portal allows applicants to begin the registration process by selecting their district, concerned branch, tehsil and block before entering the required application details.

Scheme Benefits

The Mukhyamantri Krishak Samriddhi Yojana provides long-term credit support to small and marginal farmers through the Uttar Pradesh Cooperative Gram Vikas Bank Ltd. The scheme also provides an interest subsidy from the State Government to reduce the financial burden associated with the loan.

• Eligible small and marginal farmers can get long-term agricultural loans up to ₹6 lakh.
• The loans are available at a concessional interest rate of 6% per annum.
• The Uttar Pradesh Government provides a 5% interest subsidy on the eligible loan.
• The loan support is intended for long-term agricultural investment and asset creation rather than only meeting seasonal crop expenses.
• The loan facility is provided through the U.P. Sahkari Gram Vikas Bank Ltd.
• Around 92% of Uttar Pradesh's farming families fall in the small and marginal category and stand to benefit.
• The scheme aims to promote self-employment opportunities in rural areas.
• It is also expected to support the creation of employment opportunities in rural areas.

Eligibility Requirements

The Mukhyamantri Krishak Samriddhi Yojana focuses on providing an interest subsidy on long-term loans to farmers, particularly small and marginal farmers. The detailed eligibility conditions will be governed by the scheme guidelines and loan requirements issued by the concerned authorities.

• The applicant should be a farmer in Uttar Pradesh.
• The scheme primarily targets small and marginal farmers.
• The applicant must meet the applicable requirements for obtaining a long-term loan through the Uttar Pradesh Cooperative Gram Vikas Bank Ltd.
• The applicant must fulfil the conditions prescribed by the concerned cooperative bank for sanction of the loan.

Note: The Uttar Pradesh Government has not yet published the complete eligibility criteria, such as the specific landholding limit, age requirement, income limit, repayment conditions or other applicant-specific conditions, in the official scheme information currently available. These details should be updated after the detailed government guidelines or Government Order is issued.

Required Documents

The Uttar Pradesh Government has not yet published a detailed official document checklist for the Mukhyamantri Krishak Samriddhi Yojana. Applicants can keep the following documents ready for the long-term loan application. The concerned cooperative bank may ask for additional documents during the loan processing.

• Aadhaar Card
• PAN Card, where applicable
• Passport-size Photograph
• Proof of Residence
• Land Ownership or Possession Documents such as Khatauni/Khasra
• Bank Account Details or Bank Passbook
• Proof of Small or Marginal Farmer Status, where required
• Loan Application Form
• Documents related to the proposed agricultural activity or purpose of the loan
• Existing Loan or Credit Details, if applicable
• Any other documents or security documents required by the Uttar Pradesh Cooperative Gram Vikas Bank Ltd.

Note: The above list should not be treated as the final mandatory document checklist until the Uttar Pradesh Government or the concerned cooperative bank issues detailed application guidelines for the scheme.

Steps to Apply

Farmers can apply for the Mukhyamantri Krishak Samriddhi Yojana online through the official portal launched by the Uttar Pradesh Government. The beneficiary registration process starts with selecting the applicant's location and then requires the applicant to provide agricultural, personal, contact and loan-related details. The steps are given below.

• Visit the official Mukhyamantri Krishak Samriddhi Yojana Portal.
• From the home page, click on the "Apply Loan" button.
  
• To proceed, farmers need to first register on the portal.
• For this, they need to select the District/Janpad, concerned Branch/Shakha, Tehsil and Block to proceed with beneficiary registration.
• Answer the question asking whether the applicant's total agricultural land is less than 2 hectares (approximately 5 acres). Select the appropriate Yes or No option.
  
• After this, the registration details appear on the screen.
  
• Select the concerned Gram Panchayat and Village/Raj Gram.
• Enter the mobile number and complete the OTP verification process using the OTP sent to the registered mobile number.
• Enter the proposed loan amount and the applicant's annual income.
• Select the appropriate Purpose of the loan and choose the applicable Scheme Name.
• Select the applicable farmer category.
• Enter the applicant's name and Aadhaar number as required on the registration form.
• Create a password and enter it again for confirmation.
• Review the information entered in the registration form and click the Register button to complete the beneficiary registration.
• Applicants who have already registered can use the Login option available on the portal for further access. 
  
• After logging in, complete any remaining application or loan-related details displayed on the portal.
• Submit the required information as instructed by the portal and keep the application or registration details for future reference.

Relevant Links

• Uttar Pradesh Mukhyamantri Krishak Samriddhi Yojana Portal
• Mukhyamantri Krishak Samriddhi Yojana Online Registration Link
• Mukhyamantri Krishak Samriddhi Yojana Applicant Login
• U.P. Sahkari Gram Vikas Bank Ltd.

Contact Information

• Mukhyamantri Krishak Samriddhi Yojana Helpline Number: 9151058244
• Mukhyamantri Krishak Samriddhi Yojana Email Helpdesk: [email protected]
• Head Office Telephone Number:
  • 0522-2238844
  • 0522-2236899