India’s livestock and dairy sector plays a vital role in the rural economy, offering livelihood and income to millions of farmers. To empower this segment further, the State Bank of India (SBI) has introduced the SBI Pashupalan Loan Yojana 2025, offering financial assistance ranging from ₹1 lakh to ₹10 lakh for individuals involved in animal husbandry, dairy farming, and poultry businesses.
This scheme is a golden opportunity for farmers, rural entrepreneurs, and small-scale dairy owners looking to expand or start their animal-related businesses. Let’s dive deep into the details of the scheme, eligibility, benefits, interest rates, documents required, and how to apply.
🔷 What is SBI Pashupalan Loan Yojana 2025?
The SBI Pashupalan Loan Scheme 2025 is a government-supported financial program initiated by the State Bank of India to offer loans specifically for livestock-based activities. The scheme aims to boost animal husbandry by offering easy and accessible loans to rural and semi-urban borrowers.
Under this scheme, farmers and entrepreneurs can get loans for:
- Dairy farming (milk production units)
- Buffalo or cow farming
- Goat or sheep farming
- Poultry farming
- Cattle shed construction
- Purchase of fodder, medicines, or livestock insurance
🔶 Loan Amount Offered
- Minimum Loan: ₹1,00,000
- Maximum Loan: ₹10,00,000
The loan amount depends on the type of livestock business and the scale of operations. For example:
- ₹1–₹3 lakh: For small goat or poultry units
- ₹3–₹7 lakh: For mid-scale cow or buffalo rearing
- ₹7–₹10 lakh: For commercial dairy farms with infrastructure
🔷 Eligibility Criteria for SBI Pashupalan Loan
To avail the loan under this scheme, applicants must meet the following eligibility conditions:
- Citizenship: Must be an Indian citizen
- Age Limit: Between 18 to 65 years
- Occupation: Should be engaged in or planning to start animal husbandry
- Credit Score: Should not be a defaulter with any bank or financial institution
- Experience (if applicable): Preference given to those with prior dairy/livestock experience
- Landholding (optional): Land ownership is not mandatory but helps in loan sanctioning
🔶 Interest Rate and Repayment Terms
SBI offers loans at affordable interest rates under this scheme. Here are the key points:
- Interest Rate: Ranges between 9.00% to 11.50%, based on borrower profile and loan size
- Repayment Period: Up to 5 years, including a moratorium period of 6 to 12 months
- EMIs: Structured based on income from livestock operations
- Collateral/Security:
- Loans up to ₹1.60 lakh – No collateral required under CGTMSE
- Loans above ₹1.60 lakh – Collateral may be required (land, property, etc.)
🔷 Documents Required for SBI Pashupalan Loan
Applicants need to submit the following documents:
- Identity Proof: Aadhaar card / Voter ID / PAN Card
- Address Proof: Ration card / Utility bills / Aadhaar
- Photographs: 2 recent passport-sized photos
- Bank Statement: Last 6 months (if any)
- Income Certificate or ITR (if applicable)
- Business Plan or Project Report
- Livestock Purchase Quotation or Estimates
- Land Ownership or Lease Documents (if applicable)
🔶 Benefits of SBI Pashupalan Loan Yojana 2025
✅ Low Interest Rate – Much lower than private loans for rural entrepreneurs
✅ No Collateral for Small Loans – Encourages marginal farmers to apply
✅ Easy Repayment Terms – EMIs linked to actual dairy/livestock income
✅ Boost to Rural Economy – Creates self-employment and reduces migration
✅ Loan for Infrastructure – Can be used to build sheds, buy feed, or install milking equipment
✅ Livestock Insurance – Many loans cover accidental death of cattle
🔷 How to Apply for SBI Pashupalan Loan Yojana 2025?
There are two main ways to apply for the loan:
✅ 1. Offline Application at SBI Branch
- Visit your nearest SBI branch with all required documents
- Meet the agriculture loan officer or manager
- Fill out the loan application form
- Submit your project report or business plan
- Loan will be processed after field verification
✅ 2. Online Application (if available in your region)
- Visit the SBI official website
- Navigate to the Agri Loans or PMRY/Animal Husbandry section
- Choose Pashupalan Loan option
- Fill in your details and upload documents
- Await call or visit from a bank representative for verification
🔶 Tips for Quick Loan Approval
- Prepare a realistic project report showing cost, profit estimate, and loan usage
- Ensure your Aadhaar and bank account are linked
- Maintain a good relationship with your local SBI branch
- Keep records of any past dairy/livestock business experience
- Apply well in advance of seasonal farming or business expansion periods
🔷 Who Should Apply?
This scheme is ideal for:
- Small and marginal farmers
- Women self-help group (SHG) members involved in goat or dairy farming
- Rural youth looking to start their own dairy business
- Experienced dairy owners wanting to scale operations
- Poultry farm owners expanding their units
✅ Conclusion: Empowering Farmers, Supporting Livestock Growth
The SBI Pashupalan Loan Yojana 2025 is more than just a financial product—it’s an opportunity for farmers and rural youth to become self-reliant. By offering up to ₹10 lakh in easy loans, SBI is enabling a boost to the animal husbandry sector, which in turn supports food security, employment, and economic development in rural India.
If you’re planning to enter or expand your animal husbandry business, this is the right time to take advantage of SBI’s supportive and farmer-friendly loan offering.
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