Gaay ya bhains ki dairy shuru karni hai? 2026 mein kaun si scheme sach mein khuli hai — PMEGP mein 25–35% subsidy, Mudra, KCC par 4% byaj aur Gokul Mission — aur aapki kisht kitni banegi, neeche dekhein. Free, no login.
Dairy Farm Loan Calculator 2026
Buying cows or buffaloes? See what is actually open in 2026 — PMEGP subsidy, Mudra, KCC at 4% and the Gokul Mission heifer subvention — with your EMI. पशुपालन / डेयरी लोन — कितनी सब्सिडी, कितनी किश्त।
Free estimate, not an approval. PMEGP: dairy (milk and milk products from cows, buffaloes, goats etc.) is allowed as an exception in the KVIC negative list; subsidy 15% / 25% (urban / rural) general, 25% / 35% special category; own share 10% / 5%; projects up to ₹50 lakh; 8th pass needed above ₹10 lakh; subsidy kept as a 3-year deposit (MSME scheme booklet 2025-26). Mudra: collateral-free up to ₹20 lakh incl. allied agriculture activities. KCC: Modified Interest Subvention Scheme FY 2025-26 (RBI/2025-26/193, 13 Jan 2026) — 7% lending rate, 3% prompt repayment incentive, ₹2 lakh sub-limit for farmers only in animal husbandry / dairy; FY 2026-27 circular awaited. Rashtriya Gokul Mission (revised, operational guidelines June 2025): 3% interest subvention for up to 6 IVF high genetic merit heifers per farmer, lending rate ≤ EBLR + 2%. AHIDF valid to 31.03.2026 (DAHD). Checked 6 Oct 2026.
2026 mein dairy ke liye kya khula hai, kya band
| Scheme | Kya milta hai | Status (6 Oct 2026) |
|---|---|---|
| PMEGP (dairy unit) | 15–35% subsidy, ₹50 lakh tak project | Open |
| Mudra | ₹20 lakh tak bina guarantee, subsidy nahi | Open |
| KCC – pashupalan | ₹2 lakh tak, 7% → 4% samay par chukane par | FY 2025-26 terms; 2026-27 circular awaited |
| Rashtriya Gokul Mission | 3% byaj chhoot, sirf IVF heifer (6 tak) | Open (2026-27 approval) |
| NLM | 50% subsidy — bakri, murgi, suar, chara (gaay-bhains nahi) | Open |
| AHIDF | 3% subvention (processing / feed plant) | Ended 31.03.2026 |
| NABARD DEDS | 25–33% subsidy (purana) | Not in current DAHD schemes |
Ek example
Gaon mein general varg ka kisaan 10 gaay (₹80,000 each), ₹2 lakh shed aur ₹1 lakh upkaran ke saath ₹11 lakh ki dairy lagata hai. PMEGP mein ₹2.75 lakh subsidy, apna hissa ₹1.1 lakh, bank loan ₹9.9 lakh. 10% par 5 saal mein kisht lagbhag ₹15,200. Wahi loan Mudra se lene par kisht lagbhag ₹21,000 — PMEGP se kul lagbhag ₹3.5 lakh bachat.
Apply kaise karein
- PMEGP: kviconline.gov.in par online aavedan; project report saath lagayein (hamara free project report maker).
- Mudra: kisi bhi bank / NBFC branch mein, Udyam registration ke saath.
- KCC (pashupalan): apne bank mein KCC form, pashu aur chare ka hisaab dekar.
- Gokul Mission heifer: apne milk union ya bank se puchhein ki IVF heifer uplabdh hai ya nahi.
Aksar pooche jaane wale sawaal
Dairy farm ke liye sabse achha loan kaun sa hai? Agar project ₹50 lakh tak hai to PMEGP — gaon mein general ko 25% aur SC / ST / OBC / mahila ko 35% subsidy. Bina subsidy ke Mudra (₹20 lakh tak bina guarantee) aur chare-daane ke liye KCC (₹2 lakh tak, samay par bhugtan par 4% byaj).
Kya NABARD dairy subsidy (DEDS) abhi milti hai? Department of Animal Husbandry & Dairying ki current schemes mein DEDS nahi hai, aur AHIDF bhi 31 March 2026 tak tha. Bank se pehle confirm karein — kai purani websites abhi bhi inhe dikhati hain.
KCC par dairy ke liye kitna loan aur byaj? Sirf pashupalan / dairy wale kisaan ke liye interest subvention ₹2 lakh tak — 7% byaj, aur samay par chukane par 3% wapas, yani 4%. Yeh FY 2025-26 ke RBI circular ki sharten hain; 2026-27 ka circular abhi aana baaki hai.
Gokul Mission ki 3% byaj chhoot kis par milti hai? Sirf IVF takneek se paida high genetic merit bachhiya (heifer) kharidne par — heifer rearing centre ya RGM breed farm se — ek kisaan ko 6 tak. Normal bazaar ki gaay par nahi.
10 gaay ki dairy mein kitna paisa lagega? Example: 10 gaay ₹80,000 = ₹8 lakh, shed ₹2 lakh, upkaran ₹1 lakh = ₹11 lakh. Gaon mein general varg ko PMEGP mein ₹2.75 lakh subsidy, apna ₹1.1 lakh, 5 saal 10% par kisht lagbhag ₹15,200.
Source: KVIC PMEGP guidelines and negative list (dairy exception); Ministry of MSME scheme booklet 2025-26; RBI circular RBI/2025-26/193 (MISS FY 2025-26, 13 Jan 2026); DAHD Revised Rashtriya Gokul Mission operational guidelines (June 2025, Annexure IX); DAHD AHIDF page. Last checked 6 Oct 2026.
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