SBI : The agriculture and allied sectors, especially animal husbandry, play a significant role in India’s rural economy. Recognizing this, State Bank of India (SBI) offers a special loan scheme – the SBI Pashupalan Loan Yojana 2025 – to support individuals, farmers, and entrepreneurs in starting or expanding their dairy, poultry, or livestock-related businesses.
If you’re planning to raise cattle, open a dairy farm, or expand your livestock operations, this blog will guide you with complete information on the scheme — eligibility, interest rates, documents required, and how to apply.
🐄 What is SBI Pashupalan Loan Yojana?
The SBI Pashupalan Loan Yojana is a government-supported initiative offered through State Bank of India that provides financial assistance for:
- Dairy farming (milch cattle)
- Goat farming
- Poultry farming
- Sheep rearing
- Piggery
- Feed manufacturing
- Animal shelter setup and related infrastructure
It aims to empower rural families and youth by helping them set up income-generating units based on livestock farming.
🎯 Objectives of the Scheme
- Promote animal husbandry as a profitable livelihood.
- Create rural employment opportunities.
- Improve milk, meat, and egg production in the country.
- Provide easy, affordable credit access to small and marginal farmers.
👤 Eligibility Criteria
To apply under the SBI Pashupalan Loan Yojana 2025, applicants must meet the following:
- Indian citizen aged between 18 to 65 years.
- Should have basic training or experience in animal husbandry or dairy.
- Must own or lease land suitable for cattle/poultry farming.
- Self-help groups (SHGs), farmer producer organizations (FPOs), and cooperative societies are also eligible.
- Good CIBIL score and clean repayment history (for existing borrowers).
💰 Loan Amount and Limit
Loan amounts are determined based on the type of livestock unit you plan to set up.
| Type of Unit | Loan Amount (Approx.) |
|---|---|
| 2-Milch Cattle Unit | ₹1.5 to ₹2 lakh |
| Small Dairy Farm (10 cows) | ₹7 to ₹10 lakh |
| Goat/Sheep Farming (20–50 animals) | ₹1.5 to ₹4 lakh |
| Poultry Farm (1000 birds) | ₹3 to ₹5 lakh |
| Piggery Unit | ₹2 to ₹4 lakh |
| Large Dairy Project | ₹15 to ₹25 lakh |
Loan amount may include cost of animals, shed construction, fodder, and veterinary care.
💸 Interest Rate & Repayment
- Interest Rate: 8.50% to 11.00% per annum (subject to subsidy and credit score).
- Loan Tenure: 3 to 7 years, including a moratorium of 3 to 6 months.
- Repayment Mode: Monthly/Quarterly installments.
- Subsidy: Up to 33% subsidy available under NABARD or government schemes for eligible borrowers.
📑 Documents Required
Here’s a list of documents you’ll need:
Personal Documents:
- Aadhaar Card
- PAN Card
- Passport-size photographs
- Bank passbook or account statement
Business/Project Documents:
- Land ownership or lease documents
- Business plan or proposal for livestock unit
- Quotation of animals and shed construction
- Veterinary certificate (if applicable)
- Training certificate (if any)
🛠️ Subsidy Support Through NABARD
SBI loans for animal husbandry are often linked to schemes by NABARD (National Bank for Agriculture and Rural Development), which offers:
- Capital subsidy up to 25%–33% for specific categories (SC/ST/BPL/female applicants).
- Back-ended subsidy released after utilization of the loan for project setup.
- Preference for first-time entrepreneurs in rural or semi-urban areas.
🧾 How to Apply for SBI Pashupalan Loan
You can apply for this loan through online and offline channels.
✅ Offline Process:
- Visit your nearest SBI branch with your documents.
- Meet the agriculture officer or loan officer.
- Submit your proposal with all necessary paperwork.
- Bank verifies your eligibility and conducts field inspection.
- Upon approval, the loan amount is disbursed in stages.
✅ Online Process (if available in 2025):
- Visit https://sbi.co.in.
- Go to “Agriculture & Rural Banking” → Select “Farm Loan”.
- Click on “Apply Online”.
- Fill in required details and upload documents.
- Track status via the customer ID or mobile number.
🌾 Benefits of SBI Pashupalan Loan Yojana
- No collateral required for loans up to ₹1.6 lakh under CGTMSE.
- Subsidy support from central/state government & NABARD.
- Improves self-reliance in rural families.
- Helps in creating sustainable income from dairy and animal-based activities.
- Simple processing and low interest rates compared to personal loans.
📣 Important Points to Remember
- Prepare a realistic project report with cost, expected income, expenses, and profitability.
- Ensure insurance of animals, which is mandatory under the scheme.
- Regular repayment ensures a good credit score and future loan eligibility.
- Avail government training on animal husbandry to improve your chances of loan approval.
📌 Who Should Apply?
This scheme is ideal for:
- Small/marginal farmers with idle land
- Women self-help groups
- Youth interested in agri-business
- Rural entrepreneurs wanting to set up dairy, goat, poultry, or piggery farms
✅ Conclusion
The SBI Pashupalan Loan Yojana 2025 is a powerful initiative to support livestock-based rural entrepreneurship in India. With flexible repayment options, low interest rates, and government subsidies, the scheme makes it easier for farmers and youth to take their first steps into animal husbandry.
If you’re looking for a low-risk, income-generating opportunity in rural India, this loan can help you turn your ideas into reality. Don’t wait — check your eligibility and apply now!