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🥛 Dairy Loan (Dairy Loan Scheme)

🔹 Objective

  • Increase milk production.
  • Create employment opportunities at the rural level.
  • Strengthen livestock rearing and the dairy product supply chain.

🔹 Eligibility

  • Any Indian citizen (18–65 years).
  • Farmers, livestock owners, individual entrepreneurs, women self-help groups (SHGs), cooperative societies, FPOs, etc.

🔹 Key Features of the Loan

  • Loan Amount: Based on project cost for 2, 5, 10, or more animals.
  • Subsidy: Under Dairy Entrepreneurship Development Scheme (DEDS) or National Livestock Mission (NLM):
    • General Category – 25%
    • SC/ST/Women/North-East – 33%
  • Interest Rate: As per bank policy (generally 8%–12%).
  • Repayment Period: 3 to 7 years (moratorium period 6 months to 1 year).
  • Collateral: Up to ₹1.60 lakh without collateral. Above this, bank rules apply.

🔹 Purpose of Dairy Loan

  • Purchase of cows/buffaloes for milk production.
  • Construction of dairy sheds.
  • Milk collection and chilling units.
  • Fodder/feed units.
  • Dairy transport vehicles.
  • Processing units (curd, paneer, butter, ghee production).
👉 This loan helps farmers and entrepreneurs become self-reliant in the dairy industry.
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