Executive Summary & Operational Context
The Pashu Kisan Credit Card (Pashu KCC) scheme extends the benefits of the legendary crop KCC to dairy farmers, providing subsidized revolving working capital loans of ₹40,000 to ₹45,000 per cow and ₹55,000 to ₹62,000 per buffalo at an effective 4.0% interest rate without collateral security up to ₹1.60 Lakh.
Government 2% interest subvention + 3% prompt repayment incentive brings the net interest rate down to just 4.0% per annum.
Scale of Finance & Credit Limits Under Pashu KCC
District-level Technical Committees (DLTC) fix the Scale of Finance annually: 1. Dairy Cow: ₹40,000 to ₹45,000 per milch animal; 2. Dairy Buffalo: ₹55,000 to ₹62,000 per milch animal; 3. Sheep & Goat: ₹4,000 to ₹5,000 per animal; 4. Poultry Broiler: ₹150 to ₹180 per bird. A farmer maintaining 2 cows and 1 buffalo can easily secure a credit limit of ₹1,45,000 completely collateral-free.
How to Implement on Your Dairy Farm
Obtain Health Certificate from Vet Doctor
Get a basic fitness and ear-tag certification from your local government veterinary dispensary.
Submit 1-Page Form at Your Bank
Attach Aadhaar, PAN, voter ID, bank passbook, and land extract (or tenancy affidavit).
Repay Within 12 Months for 4% Interest
Roll over the working capital credit within 365 days to claim the 3% central prompt repayment subvention.
Recommended Breeds for this System
Related Dairy Guides in Project Reports & Loans
2-Cow Mini Dairy Farm Project Report: SBI Bank Loan, Cash Flow & Monthly Income
5-Cow Commercial Dairy Project Report: NABARD DEDS Subsidy, Capital Cost & ROI
10-Cow Gir/Crossbred Dairy Project Report: SBI Pashu KCC, Shed Cost & 5-Year Balance Sheet
FAQ
Frequently Asked Questions: Pashu Kisan Credit Card (Pashu KCC): Loan Limit per Cow/Buffalo, 4% Interest & Application
Need a Custom TMR Feed or Bank Loan Calculation?
Use our interactive ICAR-NDRI Total Mixed Ration calculator or explore Pashu KCC loan scales for all 73 Indian livestock breeds.