India’s rural economy is highly dependent on animal husbandry and dairy farming. To support farmers and livestock owners, the government has introduced Pashupalan Loan Yojana 2025, which provides financial help without heavy burden of interest. The scheme is designed to make farmers self-reliant and to promote dairy, poultry, goat farming, and other livestock-related businesses.
What is Pashupalan Loan Yojana 2025?
Pashupalan Loan Yojana 2025 is a government-backed scheme that allows farmers, livestock owners, and dairy entrepreneurs to take loans ranging from ₹40,000 to ₹12 lakh. The loan can be used for:
- Buying high-yield cattle like cows, buffaloes, goats, or poultry
- Building a dairy farm or cattle shed
- Setting up fodder storage
- Purchasing equipment or machinery for farming
The special benefit of this scheme is that the interest rate is very low (4% to 7%) compared to commercial loans. Along with this, eligible beneficiaries also get a subsidy between 25% and 66%, which reduces the repayment load.
Loan Amount and Interest Rate
The loan amount depends on the type of business and number of animals.
- Small farmers (1–5 animals): ₹40,000 – ₹60,000 at 4% to 5% interest, with 25% subsidy.
- Medium farmers (6–20 animals): ₹1 lakh – ₹3 lakh at 5% to 6% interest, with 30% subsidy.
- Dairy farm (medium level): ₹3 lakh – ₹6 lakh at 6% to 7% interest, with 33% subsidy.
- Large dairy farm: ₹6 lakh – ₹12 lakh at 6.5% to 7% interest, with 40% subsidy.
The repayment period ranges from 3 to 7 years, and installments can be monthly, quarterly, or yearly.
Eligibility Criteria
To apply for the scheme, the applicant must:
- Be at least 21 years old and an Indian citizen.
- Be a farmer, dairy entrepreneur, or livestock owner.
- Have a credit score of 720 or above.
- Have a Kisan registration number.
- Belong to BPL list or be a beneficiary of PM-Kisan Yojana (preferable).
- Government employees and income taxpayers are not eligible.
Required Documents
Applicants need to provide:
- Aadhaar Card and PAN Card
- Kisan Registration Certificate
- Bank passbook copy
- Income certificate
- Residence proof
- Passport-size photographs
- Mobile number
How to Apply for Pashupalan Loan Yojana 2025?
Online Method
- Visit the official state government or bank website.
- Click on Pashupalan Loan Yojana 2025 link.
- Complete the new registration.
- Fill the application form with required details.
- Upload documents and submit the form.
- Note down the application number for future reference.
Offline Method
Applicants can also visit the nearest bank branch or animal husbandry department office. Collect the form, attach documents, and submit directly.
Role of Banks and State Governments
Several banks including SBI, PNB, and other nationalized banks are providing loans under this scheme. Many state governments also provide special subsidy support to make the loan more affordable for farmers.
For example:
- SBI offers loans up to ₹10 lakh with quick approval.
- PNB provides loans at low interest rates with easy documentation.
Benefits of Pashupalan Loan Yojana 2025
- Easy financial support up to ₹12 lakh
- Low interest rates between 4% and 7%
- Subsidy up to 66% depending on eligibility
- Helps in buying cattle, poultry, goats, or bees
- Encourages self-employment in rural areas
- Boosts milk production and rural economy
FAQs
What is the loan limit under Pashupalan Loan Yojana 2025?
Farmers can get loans from ₹40,000 to ₹12 lakh, depending on their business size.
Do I need collateral or guarantee for the loan?
No guarantee is needed for small loans. For bigger amounts, some banks may ask for security.
What is the interest rate?
The rate ranges between 4% and 7%, much lower than commercial loans.
How much subsidy is available?
Subsidy varies from 25% to 66%, depending on the applicant’s eligibility and category.
Can I apply online?
Yes, the government has made the process simple through online portals of banks and state governments.
Conclusion
The Pashupalan Loan Yojana 2025 is a big step to promote rural entrepreneurship and strengthen the dairy and livestock sector. With low-interest loans, attractive subsidies, and easy application, this scheme will help farmers and youth to start or expand their animal husbandry business. For those who want to become self-reliant and create employment in rural areas, this is a golden opportunity to apply without delay.