Pashu Kisan Credit Card₹1.60 Lakh Collateral-Free
Indigenous & Crossbred Cows (Gir, Sahiwal, HF, Jersey)
दुधारू गाय पालन (गीर, साहीवाल, एचएफ, जर्सी) — Animal Husbandry KCC Dossier
Working capital financing for dairy cows covers daily green fodder silage, concentrate cattle feed (BOP), seasonal cattle insurance premiums, and veterinary maintenance costs.
Scale of Finance₹48,000Per Milch Cow / Year
Subsidized Interest4.00% p.a.With prompt repayment
Collateral-Free Limit₹1.60 LakhNo land mortgage
Typical Holding2 to 15 cowsSmallholder scale
Recognized Breeds & Regional Varietals
Gir (Gujarat / Maharashtra)
Sahiwal (Punjab / Haryana / UP)
Rathi (Rajasthan)
Crossbred Holstein Friesian (HF)
Crossbred Jersey
Statutory Bank Guidelines & Animal Health Norms
1Applicable to both landowning cultivators and landless dairy farmers / milk pourers.
2Mandatory ear-tagging and registration on Bharat Pashudhan portal.
3Tie-up agreement with local Milk Cooperative Society (Dairies like Amul, Mother Dairy, Nandini, Verka) enables direct loan servicing from milk sales.
Working Capital Expense Allocation Norms
The Pashu KCC scale of finance is scientifically calculated to cover the following operational costs:
65%Cattle Feed & FodderConcentrates & Silage
21%Veterinary & VaccinesMedicines & AI fees
14%Labor & InsuranceWater & Shed hygiene
Livestock Credit Calculator
Scale of Finance:₹48,000
Interest Rate:4.00% p.a.
Collateral-Free:Up to ₹1,60,000
Government Subsidy:3% Prompt Incentive
Other Livestock Categories
FAQ
Frequently Asked Questions for Dairy Cows
Under District Level Technical Committee (DLTC) guidelines, the approved working capital scale of finance is ₹48,000 Per Milch Cow / Year. This covers concentrated feed, dry fodder, mineral mixture, veterinary vaccinations, and cattle insurance premiums.
No! Pashu KCC provides up to ₹1,60,000 completely collateral-free. You do not need to mortgage agricultural land. Landless farmers, tenant milk producers, and women dairy members are 100% eligible.
The base interest rate is 7.00% p.a. The Government of India provides a 3.00% Prompt Repayment Incentive (PRI) for borrowers who service interest timely, bringing the net effective interest down to just 4.00% p.a.
Yes, each animal must be tagged with an official 12-digit RFID/barcode ear tag registered on the Bharat Pashudhan (INAPH) portal by the local Government Veterinary Hospital or Milk Union technician.