What is the Pashu Kisan Credit Card (Pashu KCC)?
The Pashu Kisan Credit Card (पशु किसान क्रेडिट कार्ड) is a dedicated working-capital credit facility launched by the Government of India under the Ministry of Fisheries, Animal Husbandry and Dairying.
Designed to give dairy farmers and milk producers access to formal banking credit, the Pashu KCC provides loans for animal feed, veterinary medicines, breeding, and daily operational expenses of running a dairy farm without having to mortgage land or borrow from local moneylenders at exorbitant 24%–36% interest rates.
Under the Pashu KCC scheme:
- Up to ₹1,60,000 without any collateral/security (no land mortgage required).
- Up to ₹3,00,000 with simple hypothecation or collateral.
- Effective interest rate of just 4% per annum (7% base rate with a 3% prompt repayment incentive by the central government).
Pashu KCC Loan Limit Per Animal (2026 Scale of Finance)
The credit limit on your Pashu KCC is calculated directly from the number of milch animals you own based on the state-level District Level Technical Committee (DLTC) scale of finance:
| Animal Type | Maximum Credit Limit Per Animal | Working Capital Duration | Key Expense Coverage |
|---|---|---|---|
| Cow (गाय) | ₹40,783 to ₹44,000 | 1 Year (Revolving) | Green & dry fodder, cattle feed concentrate, veterinary vaccines |
| Buffalo (भैंस) | ₹60,249 to ₹62,500 | 1 Year (Revolving) | High-protein concentrate feed, mineral mixture, healthcare |
| Goat / Sheep (बकरी/भेड़) | ₹4,063 per animal | 1 Year | Grazing & fodder supplements, deworming medicines |
| Poultry (Broiler/Layer) | ₹161 per bird | 1 Cycle | Starter feed, biosecurity & vaccination |
Example: If you maintain 2 buffaloes and 2 cows, your eligible credit limit is approximately:
(2 × ₹60,249) + (2 × ₹40,783) = ₹2,02,064
👉 Check your exact loan limit: Use our free Pashu Kisan Eligibility Calculator to calculate your animal-wise loan eligibility in seconds.
Because loans up to ₹1.60 lakh require zero collateral, you can instantly access working capital to buy premium feed and boost your daily milk yield.
Interest Rate and 3% Government Subvention
- Standard Agricultural Loan Rate: 9% per annum.
- Central Government Interest Subvention: 2% (bringing the effective base rate to 7%).
- Prompt Repayment Incentive (PRI): If you repay your drawn credit on or before the due date, the government provides an additional 3% interest refund.
- Final Effective Interest Rate = 4% per annum.
This makes Pashu KCC the lowest-cost credit facility in India for dairy entrepreneurs.
Eligibility Criteria for Pashu KCC
To qualify for a Pashu Kisan Credit Card in 2026, you must meet the following basic conditions:
- Applicant: Must be an Indian citizen between 18 and 75 years of age.
- Livestock Ownership: Must own at least one milch cow, buffalo, or small ruminant (registered under animal ear-tagging / INAPH database).
- Land Ownership: Not mandatory. Tenant farmers, sharecroppers, and landless milkmen operating from leased sheds or village courtyards are fully eligible.
- Credit Score: Clean repayment history with no active default on prior Kisan Credit Cards or commercial agricultural loans.
Required Documents Checklist
Prepare the following self-attested documents before visiting your nearest bank branch:
- Identity Proof: Aadhaar Card, Voter ID, or PAN Card.
- Address Proof: Aadhaar Card, Ration Card, or Electricity Bill.
- Passport Size Photographs: 2 recent color photos.
- Animal Health & Tagging Certificate: Animal ear tag numbers issued by your local veterinary dispensary (Pashu Chikitsalay).
- Bank Account Details: Active savings bank account passbook with 6 months of transaction history.
- Proof of Milk Sales & Daily Income: Statement showing regular milk delivery to collection centers or customers.
💡 Pro-Tip for Fast Bank Approval:
Bank managers often hesitate to approve loans to landless milkmen due to lack of verifiable income proof.
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Dairy owners using DudhHisaab can export their 1-Click Verified Milk Production & Collection PDF Statement directly from the app. Presenting 3–6 months of digital DudhHisaab statements showing daily morning/evening milk liters and monthly revenue provides clear documentary proof of cash flow, drastically speeding up loan sanction.
How to Apply: Step-by-Step Process
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[Fill Pashu KCC Form] ──▶ [Attach Aadhaar + Tagging Cert] ──▶ [Submit to Bank Branch / CSC] ──▶ [Branch Field Inspection] ──▶ [Sanction & RuPay Card Delivery]
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Option 1: Offline Bank Branch Application
- Visit your local Public Sector Bank (SBI, PNB, Bank of Baroda, Canara Bank) or Regional Rural Bank (Gramin Bank).
- Ask the agricultural loan officer for the Animal Husbandry KCC Application Form.
- Fill in your personal details, cattle tag numbers, and required credit limit.
- Submit the form along with Aadhaar, photos, and your DudhHisaab App digital milk delivery statement.
- The bank conducts a physical field verification and sanctions the loan within 14 working days.
Option 2: Common Service Centre (CSC) / Online Portal
- Visit your nearest village CSC (जन सेवा केंद्र).
- The CSC VLE submits your application on the official Ministry of Agriculture PM-KISAN / KCC portal.
- You receive an application tracking acknowledgement number via SMS.
- Upon approval, you receive a Pashu KCC RuPay Debit Card that allows you to withdraw cash at any ATM or swipe at fertilizer and cattle feed stores.
FAQs on Pashu Kisan Credit Card
Q1. Is land required to get a Pashu KCC loan?
No. Pashu KCC specifically caters to landless dairy farmers, milkmen, and tenant cattle owners. Up to ₹1.60 lakh requires zero land collateral.
Q2. How long is the Pashu KCC limit valid?
The credit limit is valid for 5 years, subject to an annual renewal where interest is cleared every 12 months.
Q3. Can I use the money to purchase new cows or buffaloes?
Pashu KCC is designed for working capital (feed, medicines, labor, maintenance). If you want a term loan to purchase new cattle, you should apply for the National Livestock Mission (NLM) or state dairy development schemes.