Collateral-free working capital loans up to ₹1,60,000 (and up to ₹3,00,000 with land hypothecation) at an effective 4% interest rate for dairy cattle, buffaloes, sheep, goats, pigs, and poultry farming.

Pashu Kisan Credit Card (PKCC) Scheme

The Government of India, through the Department of Animal Husbandry & Dairying (DAHD) and Reserve Bank of India (RBI), extended the Kisan Credit Card (KCC) facility to Animal Husbandry and Fisheries farmers. The Pashu KCC provides short-term working capital loans at highly subsidized interest rates to meet the operational feed, veterinary medicine, fodder, and maintenance costs of livestock.

Financial Highlights & Interest Subvention

Collateral-Free Limit: Up to ₹1,60,000 without pledging land or physical collateral.
Total Limit with Land Security: Up to ₹3,00,000 for dairy and animal husbandry operations.
Interest Rate Breakdown:
- Baseline Bank Interest: 7.00% per annum.
- Central Prompt Repayment Incentive (PRI): 3.00% rebate on timely repayment within 1 year.
- Effective Interest Rate: Only 4.00% per annum.

Scale of Finance per Animal

State Level Bankers Committees (SLBC) define the approved working capital limits:

Per Milch Cow: ₹40,000 to ₹45,000 per animal.
Per Milch Buffalo: ₹60,000 to ₹65,000 per animal.
Sheep & Goat (Unit of 10+1): ₹40,000 to ₹45,000.
Broiler Poultry (Per 100 birds): ₹20,000 to ₹25,000.
Layer Poultry (Per 100 birds): ₹35,000 to ₹40,000.
Piggery (Unit of 10+1): ₹60,000 to ₹70,000.

Eligibility Criteria

Any individual farmer, tenant farmer, sharecropper, or self-help group rearing livestock.
The applicant must own or lease cattle/animals tagged with 12-digit INAPH / Bharat Pashudhan ear tags.
Animals must be vaccinated and in healthy condition certified by a local veterinary doctor.
Clean credit repayment history without active defaults at commercial, cooperative, or regional rural banks (RRBs).

Documents Required

Pashu KCC Application Form (available at commercial banks and veterinary hospitals).
Aadhaar Card and Voter ID / PAN Card.
Livestock health and vaccination certificate from government veterinary dispensary.
12-digit Pashu Aadhaar ear-tag numbers.
Passport-size photographs.
Bank statement / passbook copy.

How to Apply

Visit your local nationalized bank branch (SBI, PNB, BoB, Canara Bank, HDFC, Regional Rural Bank) or District Veterinary Hospital.
Submit the Pashu KCC form along with animal ear-tag details.
The bank conducts a brief verification with the local Animal Husbandry Department.
The credit limit is sanctioned within 14 business days, and funds are disbursed via RuPay Kisan Debit Card.