• Individuals/SHG’s/JLG’s/FPO’s etc., having knowledge in running the unit. 
• Applicant should have milk production track record/ member of a milk collection Centre for the past 3 years for availing loan above 5 lakhs.
• Applicant should reside in the area of operation of the Branch. If outside the operation area, if he/she has valued connection, he/she should be residing in the vicinity of the area of operation. 
• Applicant should be progressive & of good means to take care of dairy farming. 
• Applicant farmer should be less than 65 years age. 
• Land holdings: 
• < 10 animals: Min 20 guntas own land for growing feed & able to procure balance feed locally, 
• > 10 animals: Min 1 acre own or lease land.

Interest rate is 10.00% per annum.

Minimum: ₹1,00,000/- 

Maximum: As per NABARD unit cost & other guidelines subject to economic viability of the project.

For Working Capital: Stocks : 20%, (Feed & Maintenance) 

For Term Loans: Animal: 25%, Civil Works: 30%, Machinery/ Equipment: 20%

KYC of the applicants.

direct link to service charges

Primary: Hypothecation of assets and other movable assets created out of the Bank loan

 Collateral Security: Loan Limit up to ₹10.00 lakhs - No collateral to be obtained and the loans must be covered under CGFMU Scheme 

                                Loan Limits above ₹10.00 lakhs Mortgage of SARFAESI Compliant property worth 150% to 200% should be obtained.

•  If the applicant farmer having Live KCC loan with the Bank: Combined Loan exposure (Express Dairy+KCC+ATL+AATL, if any) is more than ₹2,00,000/-, to be covered by way of mortgage of Agricultural land value equivalent to the total limit exposure
•   If the applicant farmer having a closed KCC loan with the Bank (Meeting the above eligibility) -Maximum loan can be Rs.1,60,000/- (No mortgage or guarantee).