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Dairy Loan

Dairy Loan

Target Group:

  • Individual farmers [including Self Help Groups (SHGs) and Joint Liability Groups (JLGs)], Corporates including Farmer producer companies of individual farmers, Partnership firms and Co-operatives of farmers directly engaged in Agriculture and Allied activities.


  • Term Loan: For setting up of Dairy unit (Purchase of high yielding Milch Animals, Construction of Shed, Purchase of Equipments, Cultivation of Green Fodder, Initial Concentrate feed during first month of lactation).
  • Cash Credit: To meet short term working capital requirements (Feed, labour, Veterinary aid etc.) under KCC Animal Husbandry model.

Type of Facility:

  • Term Loan.
  • Cash Credit.

Quantum of finance:

  • Term Loan: Based on Unit cost fixed by NABARD / individual project cost.
  • Cash Credit: Limit to be arrived based on Scale of Finance fixed by DLTC.
  • MUDRA: Term loan or Working capital up to maximum of Rs.10.00 lakhs.

Margin Norms:

  • For Limit up to Rs.1.60 Lakhs – NIL.
  • Limit above Rs.1.60 Lakhs – 15% to 25% of project cost.
  • Under MUDRA: Shishu – Nil, Kishore – 10%,  Tarun – 15%.

Repayment Period:

  • Term Loan: Maximum 72 months including gestation period of 1 month. Wherever construction of shed is involved, maximum holiday period  of 12 months. Loan amount repayable in Monthly / Quarterly installments.
  • Cash Credit:  The entire cash generated to be routed through Cash Credit account only.

Processing Charges:

  • Term Loan:

Upto Rs. 25000/- : NIL

Above Rs. 25000 : 0.50% of the limit sanctioned

  • Working Capital:

Upto Rs. 25000: NIL Above

Rs. 25000/- up to Rs. 50 Lakh: Rs. 250 per lakh or part thereof Min. of Rs. 250

Above Rs. 50 Lakh: Rs. 350 per lakh or part thereof.

Rate of Interest:

  • Please refer the Lending Rates link on home page in our Bank’s Website

( Last modified on Nov 17, 2023 at 12:11:05 PM )