💰 Key Features of the Loans
| Feature | Dairy / Poultry / Fisheries Loan Details |
|---|---|
| 💸 Loan Amount | ₹50,000 to ₹10+ lakh (can go higher for commercial farms) |
| 📆 Tenure | 3 to 7 years (including grace/moratorium period) |
| 📉 Interest Rate | 7% to 12% (lower under government schemes/subsidies) |
| 🔒 Collateral | May be waived for small loans; required for larger ones |
| 🧾 Subsidy | Available under NABARD, PM schemes (like AHIDF, DIDF) |
| 💳 Repayment Mode | Monthly/quarterly/seasonal EMIs |
🧾 Purpose of These Loans
| Sector | Common Purposes Covered |
|---|---|
| 🐄 Dairy | Buy cows/buffaloes, construct shed, buy milking machines |
| 🐔 Poultry | Set up broiler/layer farms, buy chicks/feed, build coops |
| 🐟 Fisheries | Pond development, fish seeds, nets, boats, cold storage |
✅ Eligibility Criteria
Individual farmers or entrepreneurs
Self-help groups (SHGs), Joint Liability Groups (JLGs)
Farmer Producer Organizations (FPOs)
Cooperatives involved in dairy, poultry, or fisheries
Must show knowledge or training in the sector (in some cases)
Apply Loan
📋 Documents Required
Aadhaar and PAN Card
Photographs
Land or lease documents (if land/facility is involved)
Cost estimates / Project report
Training or experience certificates (if needed)
Bank statement
Quotations for equipment/livestock
NOC if existing loans exist
🎯 Benefits
🚀 Promotes income diversification for farmers
🧑🌾 Reduces over-dependence on crop farming
🧊 Helps in setting up cold chain, storage, & processing units
💵 Government support via interest subvention & capital subsidies
🐄🐔🐟 Encourages sustainable rural employment
🔁 Real Example
Kavita from Bihar takes a loan of ₹2.5 lakh to start a 10-cow dairy farm.
She builds a shed, buys 10 buffaloes, and installs a milking machine.
She also avails a 25% subsidy under NABARD’s Dairy Entrepreneurship Development Scheme (DEDS).
Her monthly milk income starts from ₹45,000, repaying the loan in 5 years.
🛡️ Key Government Schemes
Animal Husbandry Infrastructure Development Fund (AHIDF)
Dairy Processing and Infrastructure Development Fund (DIDF)
Blue Revolution Scheme (for fisheries)
PM Matsya Sampada Yojana (PMMSY)
NABARD Subsidy Schemes (for all sectors)