Dairy Farming Loan Scheme 2025: Get ₹1 Lakh Loan with 50% Subsidy | Apply Online & Offline

Dairy Farming Loan Scheme 2025: Get ₹1 Lakh Loan with 50% Subsidy | Apply Online & Offline

Are you a farmer or livestock owner looking to expand your dairy business? Great news! The Government of India has launched a new initiative under which dairy farmers can avail loans up to ₹1 lakh with a 50% subsidy. Whether you raise cows, buffaloes, goats, or sheep, this scheme could be your gateway to self-reliance and entrepreneurship.

In this article, we’ll walk you through the complete process of applying for a Dairy Farming Loan, highlight the top schemes, list the eligibility criteria, and provide a step-by-step online application guide.

What is the Dairy Farming Loan Scheme?

India, being an agrarian economy, highly relies on agriculture and animal husbandry. To promote milk production and empower rural farmers, the Central and State Governments in collaboration with NABARD and other financial institutions have launched several loan schemes for dairy farming.

Under this scheme, you can:

• Get up to ₹1 lakh loan

• Avail 50% government subsidy

• Repay over 5 to 7 years

• Benefit from low-interest rates

How Much Loan Can You Get?

This means if you take a ₹70,000 loan for a cow, only ₹35,000 will be payable by you, and the rest will be waived off as subsidy.

Major Dairy Loan Schemes You Can Apply For

Here are the top government and bank-run schemes currently active for 2025:

Eligibility Criteria for Dairy Farming Loan 2025

Before applying, ensure you meet the following eligibility guidelines:

• Minimum age: 18 years

• Nationality: Indian citizen

• Must have prior experience in animal husbandry

• Should own or plan to buy animals (cows/buffaloes/goats)

• Should not be a defaulter on any previous bank loans

• Willingness to start or expand a dairy business

Required Documents for Dairy Loan

Keep the following documents ready for hassle-free approval:

1. Aadhaar Card

2. PAN Card

3. Income Certificate

4. Bank Passbook/Account Statement

5. Mobile Number (Linked to Aadhaar)

6. Land Ownership/Lease Documents (if applicable)

7. Passport-size photographs

8. Dairy Farming Business Plan

How to Apply for Dairy Farming Loan – Step-by-Step Guide

You can apply both online and offline as per your convenience:

Online Application Process:

1. Visit your preferred bank’s official website (e.g., SBI, PNB, BOI, etc.)

2. Navigate to the Agriculture Loan or Dairy Loan section

3. Select the relevant scheme (e.g., NABARD Dairy Loan)

4. Fill in your personal and business details

5. Upload required documents

6. Submit the form and wait for approval

7. Once approved, the amount will be credited to your bank account

Offline Application Process:

1. Visit the nearest bank branch offering dairy loan schemes

2. Ask for the Dairy Farming Loan application form

3. Fill the form carefully with valid data

4. Attach photocopies of all required documents

5. Submit the form to the bank officer

6. You may be called for document verification and a field visit

7. On approval, you will receive the loan amount in your bank account

Benefits of Dairy Farming Loan

• Encourages self-employment

• Promotes milk production and livestock development

• Reduces dependency on traditional farming

• Easy EMIs for 5 to 7 years

• 50% subsidy reduces your financial burden

• Promotes rural economic growth

Loan Repayment Terms

• Loan tenure: 5 to 7 years

• Interest rate: As low as 6% to 10%, depending on bank and scheme

• Repayment mode: Monthly/Quarterly EMIs

• Prepayment: Allowed (in some cases without penalty)

Pro Tips Before You Apply

• Prepare a solid business plan

• Estimate cost of animals, feed, shelter, veterinary care, etc.

• Choose a breed that suits your climate and local market

• Maintain proper records for easy subsidy processing

• Get training from a recognized animal husbandry institute

Key Banks Participating in Dairy Loan Schemes

Frequently Asked Questions (FAQs)

Q. Can I take this loan without owning land?
Yes, in some cases banks allow loans to applicants with leased land or shelter facilities.

Q. Do I need to provide collateral for a ₹1 lakh loan?
Generally, loans up to ₹1 lakh under government schemes are collateral-free.

Q. Is training required before applying for a dairy loan?
Not mandatory, but recommended. It increases your chances of approval and success.

Disclaimer

This article is for informational purposes only. The actual loan terms, eligibility, interest rates, and subsidy percentages may vary depending on the bank, location, and scheme rules. We advise readers to visit the official websites of the banks or consult directly with government officials before applying. We are not a financial institution and do not provide loans.

Final Words

The Dairy Farming Loan Scheme 2025 is a golden opportunity for rural entrepreneurs, farmers, and youth who wish to enter the animal husbandry business. With a 50% subsidy and up to ₹1 lakh in loan support, you can take your dairy business to new heights.

👉 Apply today through your nearest bank or official government portal and be part of India’s dairy revolution!