YSR Aasara AP 2026 — SHG Loan Waiver Status & Zero-Interest Loan

A woman in a Self-Help Group near Ongole who took out a bank loan in 2018 to fund her tailoring business spent years struggling to repay it. By 2023, that outstanding debt had been formally waived — one of nearly 90 lakh women across Andhra Pradesh whose pre-2019 SHG loans were cleared entirely under this scheme.

YSR Aasara — launched September 11, 2020, by the then-YSRCP government as part of the “Navaratnalu” nine-scheme package. Designed to waive outstanding bank loans (taken before April 11, 2019) held by women’s Self-Help Groups (SHGs/DWCRA groups), disbursed across multiple phases through 2023, totaling over ₹25,000 crore for approximately 90 lakh women across 9.3 lakh SHGs.

Status Check Portal: apmepma.gov.in or ikp.serp.ap.gov.in

---

Quick Answer (current status as of mid-2026): This was a phased loan-waiver scheme, not an ongoing annual benefit — disbursement phases ran from September 2020 through early 2023, covering loans taken before April 11, 2019. If you’re checking this in 2026, you’re most likely confirming a historical waiver status rather than applying fresh — new outstanding loans post-April 2019 were not covered under this specific waiver. Status Check: apmepma.gov.in → “YSR Asara Loan Verification Report” → enter SHG/group details

---

⭐ Important — Understand What This Scheme Actually Covers

Unlike Telangana’s renamed schemes (Rythu Bandhu→Bharosa) or AP’s own renamed schemes (Rythu Bharosa→Annadata Sukhibhava), YSR Aasara was a defined, time-bound loan waiver — not designed as a recurring annual benefit. Eligible loans: Only those taken by SHG/DWCRA groups before April 11, 2019. If your SHG loan was taken after this date, it was not covered under this specific scheme — check current SHG credit options through your local DWCRA/SHG federation office instead.

---

What Was Provided

Beyond the direct loan waiver, the scheme was also intended to give SHG women continued access to fresh credit at zero/low interest — allowing groups to keep operating without falling back into high-interest informal borrowing.

---

Eligibility (As Originally Defined)

---

Checking Your Historical Status

Step 1: Visit apmepma.gov.in (AP Mission for Elimination of Poverty in Municipal Areas)

Step 2: Look for “YSR Asara” section → “Loan Verification Report”

Step 3: Enter your SHG details, bank name, or Aadhaar as prompted

Step 4: View your loan waiver status — Verified/Waived/Not Found

Alternative portal: ikp.serp.ap.gov.in (for rural SHG groups specifically) — check district and bank-wise payment status

If your group’s name doesn’t appear, it most likely means your loan didn’t meet the April 2019 cutoff, or your SHG wasn’t registered in the system at the time of the original survey.

---

Current SHG Credit Support — What’s Actually Active Now

If you’re a current SHG member looking for ongoing financial support (not the historical 2019 loan waiver specifically):

Step 1: Contact your local DWCRA/SHG Federation office or Mandal Mahila Samakhya

Step 2: Ask about current zero-interest or subsidized SHG lending schemes active under the present government

Step 3: Visit apmepma.gov.in for any newly announced women’s SHG credit programmes, as scheme names and structures are periodically updated

---

Common Problems + Fix

“My loan from 2021 wasn’t waived — why not?”: The scheme specifically covered loans outstanding before April 11, 2019. Loans taken after this date were not eligible under this particular waiver.

“Can’t find my SHG’s name in the verification report”: Confirm your SHG was registered in the system during the original 2020-2023 survey period. If genuinely missed, contact your local DWCRA/Mandal Mahila Samakhya office for manual verification.

“Is YSR Aasara still accepting new applications in 2026?”: No clear evidence indicates an active, ongoing application window for this specific scheme in 2026 — it functioned as a phased historical waiver completed by 2023. For current SHG credit needs, check with your local SHG federation for present-day lending programmes instead.

“Received partial waiver — when will the rest come?”: All planned phases (through Phase 3, March 2023) appear to have been disbursed. If you believe you’re owed an outstanding amount from a confirmed phase, raise this directly with your Mandal SHG coordinator.

---

FAQ

What is YSR Aasara? A loan waiver scheme launched in September 2020 by the then-AP government, clearing outstanding SHG/DWCRA loans (taken before April 11, 2019) for approximately 90 lakh women across the state, disbursed in phases through 2023.

Is YSR Aasara still active in 2026 for new applicants? There’s no clear evidence of an ongoing application window for this specific historical waiver in 2026. It was a defined, phased programme completed by early 2023.

How do I check my YSR Aasara status? Visit apmepma.gov.in → YSR Asara → Loan Verification Report, or check ikp.serp.ap.gov.in for rural SHG district/bank-wise status.

What if my SHG loan was taken after April 2019? It wasn’t covered under this specific scheme. Check with your local SHG federation for current credit support options.

Where can I get ongoing SHG financial support now? Contact your local DWCRA/SHG Federation office or Mandal Mahila Samakhya for currently active lending and support programmes.

---

Official Links

---

For the women whose pre-2019 debts were finally cleared, YSR Aasara represented a genuine fresh start — but for anyone checking this scheme today expecting a new application window, it’s important to know this was a defined historical programme, not a recurring annual benefit.

If you’re an AP SHG member checking your status, use apmepma.gov.in to confirm your historical waiver record — and if you need current credit support instead, your local DWCRA/SHG Federation office is the more relevant contact point for 2026.

---

Related Articles:

• YSR Cheyutha AP 2026
• Dr NTR Vaidya Seva AP 2026