Haryana Ekmusht Niptan Yojana 2026: Complete Guide to One-Time Settlement Scheme for Farmers
The Haryana Ekmusht Niptan Yojana 2026, also known as the Haryana One-Time Settlement (OTS) Scheme for PACS Loans, is a significant relief initiative launched by the Haryana Government under Chief Minister Nayab Singh Saini. This scheme aims to provide financial relief to farmers by waiving interest and penalties on overdue agricultural loans from Primary Agricultural Credit Societies (PACS). Announced in December 2025, the scheme allows eligible farmers to settle their outstanding principal amount in one lump sum, resulting in complete waiver of accrued interest.
This detailed guide covers every aspect of the scheme to help farmers understand and avail its benefits effectively.
Overview of Haryana Ekmusht Niptan Yojana 2026
| Aspect | Details |
|---|---|
| Scheme Name | Haryana Ekmusht Niptan Yojana 2026 (One-Time Settlement Scheme for PACS Overdue Loans) |
| Launched By | Haryana Government (Chief Minister Nayab Singh Saini) |
| Launch Date | December 2025 |
| Effective Period | Until March 31, 2026 |
| Target Beneficiaries | Farmers with overdue crop loans or shop loans from PACS; Families of deceased farmers |
| Key Benefit | 100% waiver of outstanding interest and penalties upon payment of principal amount |
| Estimated Interest Waiver | Approximately Rs. 900 crore for eligible cases |
| Additional Perk | Eligibility for new loans in three installments after settlement |
Objectives of the Scheme
The primary goal of the Haryana Ekmusht Niptan Yojana is to alleviate the financial burden on farmers struggling with old debts. By encouraging one-time settlement, the government aims to:
- Reduce non-performing assets in cooperative societies.
- Enable farmers to become debt-free and access fresh credit.
- Support agricultural productivity and financial stability in rural Haryana.
| Objective | Description |
|---|---|
| Debt Relief for Farmers | Waive accumulated interest to make repayment affordable |
| Encourage Timely Settlement | Promote lump-sum payment of principal |
| Revive Credit Access | Allow settled farmers to avail new loans for future crops |
| Support Deceased Farmers’ Families | Extend benefits to heirs of indebted deceased borrowers |
| Strengthen Cooperative Sector | Improve financial health of PACS |
Eligibility Criteria
To avail the benefits under Haryana Ekmusht Niptan Yojana 2026, applicants must meet the following criteria:
| Criteria | Details |
|---|---|
| Loan Type | Crop loans or shop loans from Primary Agricultural Credit Societies (PACS) |
| Overdue Status | Loans overdue as of September 30, 2024 (or earlier) |
| Beneficiary Type | Individual farmers or families of deceased farmers (approximately 2.25 lakh deceased cases eligible) |
| Exclusions | Loans already settled or under litigation (specific cases may vary) |
| Residency | Must be a resident farmer of Haryana |
Benefits of Haryana Ekmusht Niptan Yojana 2026
This scheme offers substantial financial relief, making it one of the most farmer-friendly initiatives in recent years.
| Benefit | Description |
|---|---|
| Interest Waiver | 100% waiver on all outstanding interest and penalties |
| Penalty Exemption | No penalties charged upon one-time principal payment |
| New Loan Eligibility | Access to fresh crop loans in three installments post-settlement |
| Relief Amount | Potential waiver of Rs. 900 crore in interest across beneficiaries |
| Long-Term Impact | Improved credit score and financial freedom for farming activities |
Application Process: Step-by-Step Guide
The application for Haryana Ekmusht Niptan Yojana is straightforward and primarily offline through PACS.
| Step | Action |
|---|---|
| Step 1 | Visit your nearest Primary Agricultural Credit Society (PACS) |
| Step 2 | Obtain details of your outstanding principal, interest, and penalties |
| Step 3 | Submit a written application requesting one-time settlement |
| Step 4 | Pay the principal amount in lump sum (cash, cheque, or bank transfer) |
| Step 5 | Receive acknowledgment and waiver certificate from PACS |
| Step 6 | Apply for new loans if needed after settlement |
Required Documents
Farmers need to carry basic identification and loan-related documents.
| Document | Purpose |
|---|---|
| Aadhaar Card | Identity verification |
| Voter ID or Ration Card | Address proof |
| Loan Account Passbook/Statement | Details of outstanding amount |
| Kisan Credit Card (if applicable) | Loan reference |
| Death Certificate (for deceased cases) | Proof for family beneficiaries |
| Bank Account Details | For any refunds or new loan processing |
Impact on Haryana Farmers
As of September 2025, over 25.67 lakh farmers in Haryana have outstanding agricultural loans totaling Rs. 60,816 crore. This scheme targets a significant portion of overdue PACS loans, providing much-needed relief amid economic challenges.
| Statistic | Figure |
|---|---|
| Total Farmers with Outstanding Loans | 25,67,467 |
| Total Outstanding Amount | Rs. 60,816 crore |
| Deceased Farmers’ Families Eligible | Approximately 2.25 lakh |
| Potential Beneficiaries | Lakhs of small and marginal farmers |
| Previous OTS Success | In 2019: 3.08 lakh farmers benefited (Rs. 1,348 crore relief); 2022: 17,847 farmers (Rs. 66 crore) |
Comparison with Previous Schemes
Haryana has implemented similar OTS schemes in the past, with increasing reach.
| Year | Beneficiaries | Relief Amount |
|---|---|---|
| 2019 | 3,08,302 farmers | Rs. 1,348.40 crore |
| 2022 | 17,847 farmers | Rs. 66.01 crore |
| 2026 (Current) | Expected to cover more due to extension till March 31, 2026 | Rs. 900 crore (interest waiver estimate) |
Why This Scheme Matters for Haryana Agriculture
Haryana’s agriculture sector relies heavily on cooperative credit. Overdue loans hinder farmers’ ability to invest in seeds, fertilizers, and machinery. The Ekmusht Niptan Yojana 2026 addresses this by clearing old debts, promoting financial inclusion, and boosting rural economy.
| Sector Impact | Expected Outcome |
|---|---|
| Financial Relief | Reduced debt burden |
| Increased Productivity | Access to new credit for better yields |
| Cooperative Strengthening | Healthier PACS balance sheets |
| Rural Economy Boost | More disposable income for farmers |
Tips for Farmers to Maximize Benefits
- Visit PACS early to avoid last-minute rush.
- Verify exact principal amount before payment.
- Keep records of payment and waiver receipt.
- Plan for new loans post-settlement.
This comprehensive guide on Haryana Ekmusht Niptan Yojana 2026 equips farmers with all necessary information. By settling old loans, thousands can start afresh in the new agricultural season.
Frequently Asked Questions (FAQs)
| Question | Answer |
|---|---|
| What is the last date to apply? | March 31, 2026 |
| Is the scheme applicable to bank loans? | No, only PACS loans |
| Can partial payment be made? | No, full principal in one go for waiver |
| How to check loan status? | Contact local PACS |
| Will credit score improve? | Yes, after full settlement |
| Any helpline number? | Contact local cooperative department or PACS |