In a country like India, where animal husbandry plays a crucial role in rural employment and income, the State Bank of India (SBI) has stepped up with an empowering scheme — SBI Pashupalan Loan Yojana 2025. This government-backed loan initiative supports farmers and entrepreneurs to start or expand their dairy and livestock businesses by providing easy financing for purchasing cows, buffaloes, goats, or setting up a dairy unit.
Let’s dive into the complete details of this scheme — its features, benefits, eligibility, loan amount, and how you can apply online or offline.
🔍 What is SBI Pashupalan Loan Yojana?
SBI Pashupalan Loan Yojana is a livestock loan scheme under which farmers, cattle owners, and small dairy entrepreneurs can avail of financial support for purchasing animals like cows, buffaloes, goats, or even setting up mini dairy units, poultry farms, and fodder cultivation systems.
This initiative is backed by NABARD and central/state subsidies, where eligible applicants can receive subsidies under schemes like the Dairy Entrepreneurship Development Scheme (DEDS) or the Animal Husbandry Infrastructure Development Fund (AHIDF).
🎯 Objectives of the Scheme
- Promote self-employment through dairy farming and animal husbandry.
- Enhance milk production and productivity.
- Strengthen the rural economy by financing micro and small dairy units.
- Support women SHGs, marginal farmers, and youth entrepreneurs.
- Create sustainable income sources in rural areas.
✅ Key Features & Benefits
| Feature | Details |
|---|---|
| 🐄 Purpose | Purchase of cows, buffaloes, goats, or setting up dairy |
| 💰 Loan Amount | ₹25,000 – ₹10,00,000 depending on project scale |
| 📉 Interest Rate | Starts from 7.25% (subject to change) |
| 🧾 Repayment Period | 3 to 7 years with grace period |
| 🎯 Subsidy Support | 25%-35% subsidy under NABARD/DEDS |
| 🧑🌾 Eligible Beneficiaries | Farmers, SHGs, dairy entrepreneurs, women, youth |
| 🏦 Bank | Loan provided by SBI with optional insurance |
👥 Who Can Apply?
To be eligible for the SBI Pashupalan Loan, applicants must:
- Be an Indian citizen aged 18 years and above.
- Be involved or planning to engage in animal husbandry/dairy farming.
- Own land or lease for dairy unit setup (depending on the project).
- Have a clean repayment record with banks or cooperatives.
- Belong to categories such as farmers, SHGs, FPOs, women, SC/ST, or unemployed youth.
- Be able to contribute 10%-15% margin money (varies with project cost).
📋 Documents Required
You’ll need the following documents to apply:
- Aadhaar card & PAN card
- Voter ID or any valid ID proof
- Bank passbook or canceled cheque
- Land ownership or lease documents
- Caste certificate (if applicable)
- Passport-size photos
- Project report of dairy or animal farm (SBI can help you prepare one)
- Quotation for animals/equipment
- Income certificate or declaration
- Consent letter from veterinary officer (if required)
💸 Loan Amount and Animal-Wise Funding
Here’s a general estimate for animal purchase under this loan scheme:
| Animal Type | Average Loan Amount (Approx) |
|---|---|
| Cow | ₹50,000 – ₹80,000 per animal |
| Buffalo | ₹60,000 – ₹1,00,000 per animal |
| Goat/Sheep Unit | ₹1.5 – ₹3 lakh for a unit |
| Dairy Shed Setup | ₹3 lakh – ₹10 lakh |
The loan amount also includes shed construction, fodder cost, and medical expenses in some cases.
🏦 Subsidy and Interest Rate
- Subsidy: Available under DEDS, NABARD, and AHIDF — usually 25%-35% of project cost.
- Interest Rate: Starts from 7.25% to 9.50% annually (varies based on credit score, CIBIL, and project).
- Moratorium Period: 3–6 months after purchase for livestock to settle.
- EMI Plan: Flexible repayment of 3–7 years.
📝 How to Apply for SBI Pashupalan Loan Yojana 2025?
🔹 Online Method:
- Visit the official SBI portal – https://sbi.co.in
- Go to the ‘Agriculture / Rural Finance’ section.
- Click on ‘Dairy or Animal Husbandry Loan’.
- Register with your mobile number and Aadhaar.
- Fill out the loan application form and upload documents.
- Submit your project plan and wait for approval.
🔹 Offline Method:
- Visit your nearest SBI branch (preferably rural/semi-urban).
- Meet with the loan officer and collect the application form.
- Submit all required documents and project estimates.
- The bank will verify your CIBIL score, land documents, and project viability.
- Upon approval, the loan will be disbursed directly to your bank account or vendor.
📞 SBI Helpline and Support
- Toll-Free Number: 1800-1234 / 1800-2100
- Official Website: https://sbi.co.in
- Loan Department Email: agri[at]sbi[dot]co[dot]in
🔚 Conclusion
The SBI Pashupalan Loan Yojana 2025 is a golden opportunity for aspiring rural entrepreneurs and livestock farmers to take their animal husbandry business to the next level. With flexible repayment, low interest, and government subsidies, this scheme ensures financial ease, better productivity, and sustainable livelihoods.
If you are dreaming of starting a dairy business, this is the right time to act. Gather your documents, prepare a small project plan, and apply now to turn your cattle dreams into a profitable reality!