Pashu Kisan Credit Card₹1.60 Lakh Collateral-Free
Milch Buffaloes (Murrah, Mehsana, Jaffarabadi)
दुधारू भैंस पालन (मुर्रा, मेहसाणा, जाफराबादी) — Animal Husbandry KCC Dossier
Pashu Kisan Credit Card for milch buffaloes provides collateral-free working capital up to ₹1.60 Lakh at 4% subsidized interest rate to maintain high milk yield through nutritious feeding cycles.
Scale of Finance₹64,000Per Milch Buffalo / Year
Subsidized Interest4.00% p.a.With prompt repayment
Collateral-Free Limit₹1.60 LakhNo land mortgage
Typical Holding2 to 10 buffaloesSmallholder scale
Recognized Breeds & Regional Varietals
Murrah (Haryana / Punjab)
Mehsana (Gujarat)
Jaffarabadi (Gujarat)
Pandharpuri (Maharashtra)
Surti
Statutory Bank Guidelines & Animal Health Norms
1Farmer must possess basic cattle shed facilities and access to green fodder / water.
2Animal must have an official INAPH (Information Network for Animal Productivity & Health) 12-digit ear tag.
3Veterinary health and milk yield certificate from local Govt Veterinary Assistant Surgeon.
4Scale of finance covers concentrated cattle feed, dry fodder, mineral mixture, vaccination, and deworming.
Working Capital Expense Allocation Norms
The Pashu KCC scale of finance is scientifically calculated to cover the following operational costs:
68%Cattle Feed & FodderConcentrates & Silage
19%Veterinary & VaccinesMedicines & AI fees
13%Labor & InsuranceWater & Shed hygiene
Livestock Credit Calculator
Scale of Finance:₹64,000
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 Buffaloes
Under District Level Technical Committee (DLTC) guidelines, the approved working capital scale of finance is ₹64,000 Per Milch Buffalo / 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.