To Provide Interest Subvention to Animal Husbandry of the State at the Rate of 4 to the Beneficiaries Kisan Credit Card offers a 4% interest subsidy to cattle breeders who repay their short-term animal husbandry loans taken through the Kisan Credit Card system on time. Gujarat government has continued this support for the financial year 2025-26, so eligible cattle breeders can still get the benefit.
To Provide Interest Subvention to Animal Husbandry of the State at the Rate of 4 to the Beneficiaries Kisan Credit Card supports cattle breeders by reducing their money pressure. If you are involved in animal husbandry and have taken a short-term loan through the Kisan Credit Card, this scheme gives a 4% interest subvention on timely repayment. It is run by the Agriculture, Farmers Welfare and Cooperation Department of Gujarat, and it helps you manage farm finances better so your livestock business stays profitable and stable.
Key Information
| Scheme Name | To Provide Interest Subvention to Animal Husbandry of the State at the Rate of 4 to the Beneficiaries Kisan Credit Card |
|---|---|
| Level | State |
| Scheme For | Individual |
| Beneficiary State | Gujarat |
| Category | Agriculture, Rural & Environment |
| Benefit Type | Cash |
| DBT Scheme | No |
| Nodal Department | Agriculture, Farmers Welfare and Cooperation Department |
Benefits
To Provide Interest Subvention to Animal Husbandry of the State at the Rate of 4 to the Beneficiaries Kisan Credit Card gives financial relief through interest subvention. For instance, if Ramesh, a cattle breeder, takes a loan of ₹1,50,000 and repays it on time, he receives a 4% interest rebate. The subvention is paid on short-term loans up to ₹2,00,000 and can be claimed once in a financial year.
| Name of Component | Standard of Assistance | Eligibility Limit (Per Financial Year) |
|---|---|---|
| Interest Subvention | 4% interest subvention on timely repayment of short-term loans up to ₹2,00,000 | Once per financial year |
Eligibility
To get the benefit, you need to meet a few simple conditions. The scheme is meant for cattle breeders who have taken a short-term loan for animal husbandry through the Kisan Credit Card and repaid it on time.
- You should be an active cattle breeder.
- You should have availed of a short-term loan during the financial year from any of these institutions:
- Primary Agricultural Credit Cooperative Society
- District Central Cooperative Bank
- Nationalized Bank
- Gramin Bank
- Private Bank
- You should have repaid your loan on time.
Application Process
You do not need to apply individually for this benefit. The bank or financial institution where you hold your Kisan Credit Card submits the integrated interest subvention proposal on your behalf to the Registrar, Co-operative Societies, Gujarat State, Gandhinagar.
STEP 1 - Keep your Kisan Credit Card account active and make sure you repay the short-term loan on or before the due date.
STEP 2 - Contact your branch manager and confirm that your repayment is recorded correctly in the system.
STEP 3 - The bank prepares and submits the interest subvention claim to the Registrar, Co-operative Societies, Gujarat State.
STEP 4 - Once the claim is approved and verified, the subvention amount is credited to your loan account.
Documents
Keep these documents ready with your bank so the claim can be processed without any delay.
- Updated Kisan Credit Card (KCC) passbook.
- Loan sanction letter and an official repayment statement.
- Valid Government Identity Proof like your Aadhaar card or Voter ID.
- Documentary evidence of your animal husbandry activities, such as cattle ownership certificates.
- Relevant bank loan account statements.
References
Registrar of Co-Operative Societies, Gujarat
RBI Interest Subvention Circular for KCC 2025-26
FAQ's
What is the objective of To Provide Interest Subvention to Animal Husbandry of the State at the Rate of 4 to the Beneficiaries Kisan Credit Card?
The main aim is to give a 4% interest subsidy to cattle breeders who repay their short-term animal husbandry loans on time.
Who is eligible to benefit?
Any cattle breeder who has taken a short-term loan through the KCC scheme from an eligible bank and keeps a clean repayment record is eligible.
What is the maximum loan amount covered?
The 4% interest subvention applies to short-term loans up to a maximum of ₹2,00,000.
How often can I claim this?
You can claim this benefit only once in a single financial year.
Which banks participate?
Loans from Primary Agricultural Credit Cooperative Societies, District Central Cooperative Banks, Nationalized Banks, Gramin Banks, and Private Banks are included.
What is the subvention rate?
The scheme provides a 4% interest subvention on the eligible loan amount.
Who submits the proposal?
Your bank submits the proposal to the Registrar of Co-operative Societies, Gujarat.
Can I apply directly?
No, you cannot apply directly; the banking institution handles the application process for you.
What does the Registrar, Co-operative Societies do?
The Registrar processes the proposals submitted by banks to make sure funds reach the beneficiaries.
Where can I find more help?
You can contact your branch manager or the office of the Registrar, Co-operative Societies, Gujarat State, for further support.