Dairy / Poultry / Fisheries Loan
A Dairy / Poultry / Fisheries Loan is a specialized agricultural and allied activity loan designed to support farmers, entrepreneurs, and rural producers engaged in milk production, egg farming, and fish cultivation.
Types of Dairy / Poultry / Fisheries Loan
Here are the key types of such loans available in India
Dairy Farming Loan
Provides funds for purchasing high-yield cattle or buffaloes, constructing cowsheds, buying milking machines, and covering feed and veterinary costs.
Poultry Farming Loan
Covers expenses related to broiler and layer farming, hatcheries, feed production units, and poultry housing systems.
Fisheries / Aquaculture Loan
Provides financial assistance for fish seed stocking, pond construction, aeration systems, and fishing equipment.
Integrated Livestock Loan
Supports mixed farming systems, where dairy, poultry, and fishery activities are combined for sustainable income generation and efficient resource use.
Infrastructure Development Loan
For setting up cold storage, feed mills, breeding centers, fish hatcheries, dairy processing units, and packaging facilities.
Working Capital Loan for Livestock Farming
Short-term credit to manage daily operating costs such as feed, medicine, and labor expenses during the farming cycle.
Why Is Dairy / Poultry / Fisheries Loan Important?
Boosts Rural Employment
Encourages self-employment and provides steady income opportunities for rural and coastal communities.
Promotes Diversified Income
Reduces dependence on crop farming and supports multiple income sources through livestock and aquaculture.
Supports Food Security
Contributes to milk, egg, and fish production, strengthening India’s agricultural output and nutritional value.
Encourages Modernization
Helps farmers adopt modern equipment, breeding techniques, and automated systems for better efficiency.
Access to Government Subsidies
Farmers benefit from low interest rates, capital subsidies, and interest subvention schemes.
FAQs
What is a Dairy / Poultry / Fisheries Loan?
It is a loan provided to farmers and entrepreneurs for establishing or expanding dairy farms, poultry units, or fish farming businesses.
Who can apply for this loan?
- Individual farmers and fishers
- Self-help groups (SHGs)
- Cooperatives and producer companies
- Agripreneurs and startups in allied agriculture sectors
What is the loan amount available?
Depending on the project size, banks may offer loans from ₹50,000 to ₹5 crore.
Government schemes may subsidize up to 25–35% of the project cost.
What are the interest rates for these loans?
Generally range between 7% and 10% per annum, with possible subsidies under NABARD or central government schemes.
What is the repayment period?
Repayment tenure typically ranges between 3 to 7 years, with flexible EMIs based on the income cycle of the activity.