Kisan Credit Card (KCC) Working Capital Loan for Animal Husbandry and Dairying
Concessional institutional short-term credit up to ₹2 Lakh at an effective interest rate of 4% per annum for animal husbandry and dairy farmers.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Covered under Modified Interest Subvention Scheme (MISS) with ₹15,843 Crore annual central allocation
Official Budget Document ↗Over 32.5 Lakh KCCs sanctioned exclusively for animal husbandry and dairy farmers nationwide
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Individual farmers, joint liability groups, SHGs, or tenant dairy farmers owning or rearing milch animals.
Required Documents Checklist
Verify readiness before applying for Kisan Credit Card (KCC) Working Capital Loan for Animal Husbandry and Dairying. Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(3)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for Kisan Credit Card (KCC) Working Capital Loan for Animal Husbandry and Dairying?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
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Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Obtain simplified one-page KCC application form from local bank branch, milk union cooperative, or DAHD portal (dahd.nic.in).
- 2
Submit identity proof, land/cattle possession certificates, and dairy cooperative membership passbook.
- 3
Financing bank conducts livestock inspection and establishes credit limit within 14 working days.
- 4
KCC RuPay debit card issued for seamless credit drawing.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Absence of dairy animals, existing wilful default across banking channels, or invalid identification documents.
Official Government Application Portal
You will be redirected to the secure official portal: dahd.nic.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
What is the maximum loan limit under KCC for animal husbandry without collateral?
Under RBI guidelines, collateral-free credit under KCC for animal husbandry and dairying is available up to ₹1,60,000 per borrower.
Source: Official Scheme FAQ ↗What is the effective rate of interest on prompt repayment?
With 2% central interest subvention and 3% prompt repayment incentive, the net interest rate is just 4% per annum.
Source: Official Scheme FAQ ↗Can tenant dairy farmers apply for this KCC limit?
Yes, tenant farmers, sharecroppers, and oral lessees rearing dairy animals either individually or via Joint Liability Groups (JLGs) are fully eligible.
Source: Official Scheme FAQ ↗Can I track my Kisan Credit Card (KCC) Working Capital Loan for Animal Husbandry and Dairying application status?
Application status for Kisan Credit Card (KCC) Working Capital Loan for Animal Husbandry and Dairying can typically be tracked through the official portal at dahd.nic.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my Kisan Credit Card (KCC) Working Capital Loan for Animal Husbandry and Dairying payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving Kisan Credit Card (KCC) Working Capital Loan for Animal Husbandry and Dairying benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Absence of dairy animals, existing wilful default across banking channels, or invalid identification documents.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | cs | Official Source ↗ |
| 2026-09-28 | initial_verification | Baseline verification of Kisan Credit Card (KCC) Working Capital Loan for Animal Husbandry and Dairying guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
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Application Window & Deadlines
Continuous year-round coverage across all commercial, regional rural, and cooperative banks
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 7d ago from .gov.in source
Requires documentation or office visit
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📅Scheme Milestone Timeline
Baseline verification of Kisan Credit Card (KCC) Working Capital Loan for Animal...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
Department of Animal Husbandry & Dairying
Krishi Bhawan, Dr. Rajendra Prasad Road, New Delhi 110001
Helpline: 011-23381001
Jurisdiction: NationalNotice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-10-12 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.