A farmer from Kolhapur had taken a crop loan (पीक कर्ज) against his land years ago, and the bank had recorded a bojha (बोजा) entry on his 7/12 extract. He repaid the entire loan on time, but two years later, when he applied for a fresh loan against the same land, the bank flagged the old mortgage entry as still active. Nobody had told him that repaying a loan doesn’t automatically clear the 7/12 record — a separate application was needed.
If you’ve paid off a loan but your 7/12 still shows the old bojha, here’s the complete process to get it removed.
💡 Quick Answer: Step 1: Get a “No Dues Certificate” (ना हरकत प्रमाणपत्र) from your bank Step 2: Apply for bojha removal through e-Haqq on bhulekh.mahabhumi.gov.in Step 3: Talathi verifies → Circle Officer approves Verify: Check your updated 7/12 — the “इतर हक्क” (Other Rights) column should no longer show the bank’s name
What Is a Bojha (बोजा) on the 7/12
When a farmer takes a loan (crop loan, KCC, or any secured loan) using land as collateral, the bank registers a bojha (बोजा) — a mortgage or charge entry — on the land’s 7/12 extract. This entry appears in the “इतर हक्क” (Other Rights) column of the record.
What this means practically:
- As long as the bojha entry exists, the land cannot be sold without the bank’s consent
- Getting a fresh loan becomes difficult because the land already appears “encumbered” (बोजायुक्त) in the record
- Buyers checking the 7/12 before purchase will see the bank’s charge and may back out of the deal
Why the Bojha Doesn’t Clear Automatically After Loan Repayment
This is the single biggest misunderstanding — the bojha does not clear itself:
Even after a loan is fully repaid, the bojha entry on the 7/12 has to be manually removed through an application. The bank only issues a No Dues Certificate (ना हरकत प्रमाणपत्र) — actually getting the revenue record updated is a separate step that the borrower must initiate.
⚡ If a loan (KCC, crop loan, or any secured agricultural loan) has been repaid, get the No Dues Certificate right away and start the bojha removal process — delaying it can cause problems later when selling the land or applying for a fresh loan.
Bojha Removal Process — Step by Step
Step 1: Visit the bank branch where the loan was taken → apply for a “No Dues Certificate”
Step 2: The bank issues the certificate within 7-15 days (some banks issue it immediately)
Step 3: Take the No Dues Certificate to bhulekh.mahabhumi.gov.in → log in → e-Haqq
Step 4: Select “Bojha Kami Application” (बोजा कमी करण्यासाठी अर्ज)
Step 5: Enter the Survey/Gat Number and select the specific bojha entry to be removed
Step 6: Upload supporting documents:
- No Dues Certificate (original)
- Existing 7/12 showing the bojha entry
- Aadhaar Card
Step 7: Submit — note the application reference number
Step 8: The application goes to the village Talathi for verification, then to the Circle Officer (मंडळ अधिकारी) for approval
Step 9: Once approved, the bojha entry is removed from the 7/12
Timeline: The full process typically takes 15-30 days, once documents are in order.
Applying for Bojha Removal Through e-Haqq
The e-Haqq module is the same portal used for name corrections and mutations — it also handles bojha removal (बोजा कमी) requests. This means separate trips to different offices aren’t needed; the application, tracking, and status update all happen through one system.
For details on the broader e-Haqq system — including name corrections and Kalam 155 applications — see our e-Haqq Portal Maharashtra guide.
How to Verify Whether the Bojha Has Been Removed
Step 1: Go to mahabhulekh.gov.in
Step 2: Select the Division → District → Taluka → Village → enter the Survey/Gat Number
Step 3: View the latest 7/12 extract
Step 4: Check the “इतर हक्क” (Other Rights) column
Step 5: If the bank’s name still appears there, the bojha is still active — check the application status via e-Haqq, or follow up with the Talathi
The full step-by-step process for checking a 7/12 extract is covered in our Mahabhulekh Maharashtra guide.
Documents Required
- No Dues Certificate (from the bank, original)
- Existing 7/12 extract showing the bojha entry
- Aadhaar Card
- Loan account number details
- Original mortgage/charge document copy, if available
Common Problems + Fix
Problem 1: Bank is delaying the No Dues Certificate
Fix: Escalate to the bank’s grievance cell, or contact the Banking Ombudsman if there’s a delay of more than 15 days.
Problem 2: Bojha still shows even after applying through e-Haqq
Fix: Check the application status after 30 days at bhulekh.mahabhumi.gov.in. If still pending, follow up with the Talathi office in person, using the application reference number.
Problem 3: Old bojha entry, bank details unclear, or the bank has merged/closed
Fix: Old 7/12 records usually mention the bank branch and loan details near the bojha entry. If the bank has merged with another (as has happened with several banks over the years), the successor bank can typically issue a No Dues Certificate on request, referencing the old loan account.
FAQ
How do I remove a bojha from my 7/12? Get a No Dues Certificate from the bank → apply through e-Haqq on bhulekh.mahabhumi.gov.in → upload documents → once the Talathi verifies and the Circle Officer approves, the bojha is removed.
Does the bojha clear automatically after loan repayment? No — it has to be removed manually through e-Haqq. The bank only issues a No Dues Certificate; updating the revenue record is a separate step.
How do I check whether a bojha has been removed? Check the latest 7/12 on mahabhulekh.gov.in and look at the “इतर हक्क” column.
How long does bojha removal take? Typically 15-30 days, once documents are in order.
What if the bank won’t issue a No Dues Certificate? Contact the bank’s grievance cell, or escalate to the Banking Ombudsman.
Official Links
| Service | Official Link |
|---|---|
| Mahabhulekh (Free View) | mahabhulekh.gov.in |
| e-Haqq / Mahabhulekh | bhulekh.mahabhumi.gov.in |
| Digital Satbara | digitalsatbara.mahabhumi.gov.in |
| Helpline | 1800-120-8040 |
The Kolhapur farmer’s bojha entry was cleared within three weeks of applying — his next loan application went through without any issues.
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- e-Haqq Portal Maharashtra — 7/12 Name Correction, Kalam 155
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