Business Guide16 September 202612 min read

Pashu Kisan Credit Card (KCC) 2026: Bina Guarantee ₹1.6 Lakh Loan, 4% Interest & Process

Pashu Kisan Credit Card (KCC) 2026: Loan Limit, Interest Subsidy & How to Apply

SJSawan JaiswalFounder of DudhHisaab
Pashu Kisan Credit Card (KCC) 2026: Bina Guarantee ₹1.6 Lakh Loan, 4% Interest & Process

Pashu Kisan Credit Card (Pashu KCC) Kya Hai?

Government of India ke Animal Husbandry Department ne dairy farmers aur milkmen ke working capital ke liye Pashu Kisan Credit Card (Pashu KCC) scheme launch ki hai.

Key Scheme Benefits:

  • Up to ₹1,60,000 Collateral-Free Loan (Bina zameen girvi rakhe).
  • Up to ₹3,00,000 with security.
  • Effective Interest Rate = 4% per annum (7% bank rate par 3% prompt repayment rebate).

Per Animal Loan Limit (Scale of Finance)

Animal TypeMaximum Credit Limit
Cow (Gai)₹40,783 to ₹44,000
Buffalo (Bhains)₹60,249 to ₹62,500
Goat / Sheep₹4,063 per animal

👉 Check your exact loan eligibility: Use our free Pashu Kisan Eligibility Calculator.


Required Documents Checklist

  • Aadhaar Card & PAN Card
  • Bank Passbook copy
  • Animal Health & Ear Tag Certificate from local Veterinary Hospital
  • 6-Month verified digital milk delivery ledger from DudhHisaab App as income proof.
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How much collateral-free loan can I get under the Pashu Kisan Credit Card (Pashu KCC)?

Dairy farmers can get up to ₹1,60,000 without any land pledge or collateral. With land mortgage, the loan limit extends up to ₹3,00,000 at a subsidized effective interest rate of 4% per annum.

What is the interest rate on Pashu KCC loans in 2026?

The standard bank interest rate is 7%. On timely repayment, the Government of India provides a 3% prompt repayment incentive, reducing your effective interest to just 4% annually.

How can DudhHisaab help me get my Pashu KCC loan approved faster?

DudhHisaab lets you export a verified 6-month or 12-month digital milk supply statement (with daily litres, FAT, and earnings) as a clean PDF that banks accept as certified proof of income.

Manage your dairy business with DudhHisaab

Track customers and suppliers, record daily entries, auto-calculate FAT-based rates and monthly bills, and send payment reminders — all free in the app.