How to Get Dairy Loan from SBI | एसबीआई से डेयरी लोन के लिए ऋण कैसे प्राप्त करें

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to Get Dairy Loan from SBI | एसबीआई से डेयरी लोन के लिए ऋण कैसे प्राप्त करें
OBJECTIVE:
To improve quality production of milk at the farm level.
To finance milk producing members of ‘AMUL’ pattern societies recognised private milk dairies posting profit in the past two years.
To promote bulk financing in agricultural sector priority sector lending.
PURPOSE OF LOAN:
Construction of dairy shed
Purchase of quality milch animals, milking machine, chaff cutter or any other equipment required for the purpose.
ELIGIBILITY :
Individual farmers who are members of AMUL pattern milk societies producing and selling milk to the society.
Applicant should be less than 65 years of age.
Individual dairy unit having less than 10 animal – should own minimum 0.25 acre of land for every 5 animals for growing fodder and be in a position to procure the balance requirements locally.
Individual dairy unit having 10 animals and above – should own or lease a minimum of one acre of land for cultivation of fodder for every 5 animals.
LOAN AMOUNT:
A Term loan of Maximum Rs.5 lakh, without any sub-limits, can be sanctioned for meeting expenses related to purchase of milch animal, milking machine, construction of sheds and purchase of other equipments.
WORKING CAPITAL:
A working capital @ Rs.2500/- per animal per year may be sanctioned for purchase of feed, fodder and medicine along with the term loan, if it is not capitalized with the term loan component.
However, total quantum of loan will be based on the repaying capacity. Min DSCR : 1.75
Margin :
Loans upto Rs. 100,000/- :Nil
Loans above Rs. 100,000/- and upto Rs.5 lakh :10%
SECURITY
Primary – hypothecation of assets created out of Bank finance.
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Collateral – loans upto Rs. 1.00 lakh : Nil
Over Rs.1 lakh -Mortgage of landed property (or) third party guarantee worth for loan amount (or) group guarantee of other 2 dairy farmers.
Documents:
As applicable to ATL
Tripartite arrangement letter – Bank – Borrower – Society
Repayment : 5 Years
Gestation period – 6 months
Instalments – Monthly
Rate of interest:
As applicable to direct agricultural loans (ATL)
CLASSIFICATION: Direct Agriculture Finance
Animal purchase norms:
 To be purchased in 2 batches with a gap of six months.
 Animals in first & second lactation with calf at foot. Borrowers are free to purchase at their choice.
 Minimum yield criteria:
 Buffaloes – 7 lit/day (lactation average) Cow – 8 lit/day (lactation average)
 Veterinary certificate – health
Other terms & conditions:
Fodder cultivation can be financed as per scale of finance. Payment to the bank directly by the society.
Milk union operation & milk route facility are essential.

NABARD Subsidy :

• Type: Establishment of small dairy units with crossbred cows/ indigenous descript milch cows like Sahiwal, Red Sindhi, Gir, Rathi etc / graded buffaloes upto 10 animals.
o Investment: Rs 5.00 lakh for 10 animal unit – minimum unit size is 2 animals with an upper limit of 10 animals.
o Subsidy: 25% of the outlay (33 .33 % for SC / ST farmers, ) as back ended capital subsidy subject to a ceiling of Rs 1.25 lakh for a unit of 10 animals ( Rs 1.67 lakh for SC/ST farmers,). Maximum permissible capital subsidy is Rs 25000 ( Rs 33,300 for SC/ST farmers )for a 2 animal unit. Subsidy shall be restricted on a prorata basis depending on the unit size.
• Type: Rearing of heifer calves – cross bred, indigenous descript milch breeds of cattle and of graded buffaloes – upto 20 calves.
o Investment: Rs 4.80 lakh for 20 calf unit – minimum unit size of 5 calves with an upper limit of 20 calves.
o Subsidy: 25% of the outlay (33.33 % for SC / ST farmers) as back ended capital subsidy subject to a ceiling of Rs 1.20 lakh for a unit of 20 calves ( Rs 1.60 lakh for SC/ST farmers). Maximum permissible capital subsidy is Rs 30,000 ( Rs 40,000 for SC/ST farmers) for a 5 calf unit. Subsidy shall be restricted on a prorata basis depending on the unit size.

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