Madhya Pradesh Animal Husbandry and Dairy Department is running Kisan Credit Card (Pashupalan) for livestock farmers who need short-term working capital for their dairy and cattle work. Applications stay open through the year at banks and on the SAMAST portal, and the credit limit for animal husbandry and other allied work now goes up to ₹5 lakh after the central rule change.
Farmers who repay on time pay only 4 percent interest on short-term loans up to ₹3 lakh, since banks charge 7 percent and the government gives a 3 percent prompt repayment incentive. Collateral-free credit has also been raised from ₹1.6 lakh to ₹2 lakh per borrower. As per the PIB note of 11 March 2026, over 7.72 crore Kisan Credit Cards are running across India, and in animal husbandry alone 55.08 lakh applications out of 55.9 lakh were accepted.
Kisan Credit Card (Pashupalan) Madhya Pradesh Details
Kisan Credit Card (Pashupalan) is the state-level version of the national KCC framework, run for people doing dairy, cattle rearing, poultry, goat farming and similar work in Madhya Pradesh. It works as a revolving credit facility, which means money can be withdrawn as and when needed and interest is charged only on the amount used, not on the full sanctioned limit.
Money from this card is meant for day-to-day running costs such as cattle feed, medicines, vaccination, shed repair, labour payments and milk transport. Cardholders get a RuPay KCC card, one-time documentation, and a limit that stays valid for up to five years with yearly review. Main department for this scheme in the state is the Animal Husbandry and Dairy Department, and loans are given through commercial banks, regional rural banks and district cooperative banks.
What Changed in 2026
Rules around KCC have moved a fair bit in the last one year, so old figures printed in older pamphlets are no longer correct. Reserve Bank of India has also issued fresh Kisan Credit Card Scheme Directions for commercial banks in 2026, which put all earlier circulars in one place. The main changes that matter for livestock farmers are given below.
- Higher limit for allied work: credit limit for animal husbandry, dairy and fisheries has gone up from ₹2 lakh to ₹5 lakh, so a bigger dairy unit can now get its full working capital from one card.
- More collateral-free credit: loans up to ₹2 lakh need no security, up from ₹1.6 lakh earlier, which helps small farmers who have little land in their name.
- Cheaper repayment: effective interest stays at 4 percent for loans up to ₹3 lakh when payment is made on time, and the interest subsidy is settled through the Kisan Rin Portal instead of manual claims.
| Detail | Information |
|---|---|
| Scheme Name | Kisan Credit Card (Pashupalan) |
| Level | State (Madhya Pradesh) |
| Main Department | Animal Husbandry and Dairy Department, Madhya Pradesh |
| Eligible People | Livestock farmers, dairy producers, members of primary agricultural credit cooperative societies |
| Credit Limit | Up to ₹5 lakh for animal husbandry and allied work |
| Collateral-Free Limit | Up to ₹2 lakh per borrower |
| Interest Rate | 7 percent, effective 4 percent with on-time repayment up to ₹3 lakh |
| Card Validity | Up to 5 years with yearly review |
| Application Mode | Online through SAMAST portal or offline at bank branch |
| Official Website | samast.mponline.gov.in |
How to Apply Online
Online applying is done on the SAMAST portal run by MPOnline. Keep the Aadhaar-linked mobile number handy because verification happens through OTP at two places.
STEP 1 - Open the SAMAST portal in a browser on a phone or computer and look for the citizen login area on the homepage.
STEP 2 - Click on the 'Create Profile' button and fill in the basic details such as full name, father's name, date of birth, mobile number and email address.
STEP 3 - Finish profile registration by entering the OTP that comes on the registered mobile number, then set a password for future login.
STEP 4 - Complete Aadhaar e-KYC by typing the 12 digit Aadhaar number and verifying it with the OTP sent by UIDAI.
STEP 5 - Pick 'Kisan Credit Card (Pashupalan)' from the scheme list and fill in the livestock details, such as number of animals, type of animals and the bank branch where the account is held.
STEP 6 - Upload scanned copies of the required documents and pay the application fee, which is ₹30 for self application and ₹100 through a kiosk centre.
STEP 7 - After submission, note down the Application ID and take a printout of the filled form, since the bank may ask for it during the checking process.
How to Apply Offline
Farmers who are not comfortable with the portal can apply straight at a bank. Banks are also holding KCC saturation camps at district and block level under the national drive, and forms are accepted there as well.
STEP 1 - Visit the nearest bank branch, district animal husbandry office, veterinary centre or milk cooperative during working hours and ask for the KCC Pashupalan application form.
STEP 2 - Fill the one-page form fully, attach self-attested copies of the required documents and paste a recent photograph in the given box.
STEP 3 - Hand over the form to the concerned officer and collect the acknowledgment receipt showing the date and time of submission, which is useful if the file gets delayed.
Who Can Apply
Eligibility for this card is kept simple so that small farmers are not left out. A person applying should be a permanent resident of Madhya Pradesh and should be doing animal husbandry, dairy, poultry, goat rearing or a similar allied activity, either on own land or as a tenant. Members of primary agricultural credit cooperative societies and milk cooperative societies can apply too. Self Help Groups and Joint Liability Groups formed by such farmers are also covered under the wider KCC rules. Applicants should not be a wilful defaulter with any bank.
Documents Required
Bank staff check the papers first, so keeping the full set ready saves a second trip to the branch.
- Identity proof: Aadhaar card is asked in every case, and voter ID, PAN card, driving licence or passport can be given as extra proof.
- Residence proof: a recent electricity or telephone bill, ration card or a residency certificate given by the state government.
- Bank papers: passbook copy with account number and IFSC code, and the existing KCC papers if a card is already held for crop loans.
- Photographs: two passport size photographs taken in the last six months.
- Livestock and land papers: details of animals owned and, where the bank asks for it, land ownership or tenancy papers.
Loan Amount and Repayment
Loan amount is not fixed at one number for everybody. Banks work it out on the basis of the scale of finance set by the district level technical committee, multiplied by the number of animals kept. Feed cost, medicine cost and upkeep cost for one animal for the maintenance period decide the per-animal amount, so a farmer with four buffaloes gets a bigger limit than one with a single cow.
Repayment is usually linked to the milk sale cycle, and the card limit is renewed every year after the account is reviewed. Interest is charged only on the withdrawn amount. In case of a natural calamity, interest relief is available for up to one year, and for up to five years where the damage is severe.
Help and Complaints
For anything related to the application status, the first place to check is the bank branch where the file was sent. Complaints about delay can be filed with the district animal husbandry officer or on the state CM Helpline number 181. MPOnline related payment or portal problems can be reported through the MPOnline helpdesk given on the portal footer.
Other Madhya Pradesh Livestock Schemes
Farmers taking this card often use it along with other state support for cattle. Buffalo units on subsidy are given under Mukhyamantri Dairy Plus Programme, goat rearing gets up to 60 percent help under Goat Unit Scheme, and the national card rules are explained in detail in the Kisan Credit Card (KCC) Scheme guide.
References
Scheme rules and entitlement details are listed on the state CM Helpline scheme page. Updated credit limits and figures are taken from the PIB backgrounder on Kisan Credit Card dated 11 March 2026, and the lending rules are given in the RBI Kisan Credit Card Scheme Directions, 2026. Online applications are taken on the SAMAST portal.
FAQ's
Who can apply for Kisan Credit Card (Pashupalan) in Madhya Pradesh?
Permanent residents of Madhya Pradesh doing dairy, cattle, poultry or goat rearing work, along with members of primary agricultural credit cooperative societies and milk cooperatives.
What is the maximum loan amount now?
Credit limit for animal husbandry and other allied work has been raised to ₹5 lakh. The exact amount sanctioned depends on the number of animals and the scale of finance fixed by the district committee.
How much interest is charged?
Banks charge 7 percent on short-term loans up to ₹3 lakh, and a 3 percent incentive for on-time repayment brings the effective rate down to 4 percent. Amounts above that slab carry the normal bank rate.
Is any security needed for the loan?
Loans up to ₹2 lakh are collateral free. Above that limit, banks may ask for security as per their own credit rules.
How long does approval take?
Banks are supposed to decide the case within about 15 days of getting a complete file with all documents. Missing papers are the usual reason for delay.
What is the application fee?
Online applying on the SAMAST portal costs ₹30 when done directly, and ₹100 when done through a kiosk centre.
Can the form be filled on a mobile phone?
Yes, the SAMAST portal opens on a smartphone browser, and the same steps work as on a computer.
Is a separate card needed if a crop KCC is already held?
Not always. Many banks add the animal husbandry limit to the existing KCC account, so carry the old card papers while applying.
How long is the card valid?
Card limit runs for up to five years with a yearly review, and money can be withdrawn and repaid any number of times within the limit.
Where to complain if the bank refuses the application?
Complaints can be given to the district animal husbandry officer or on CM Helpline number 181, and the bank must give the reason for refusal in writing.