Uttarakhand Pashupalan Loan Yojana 2026 gives livestock farmers access to bank loans with up to 90% interest subsidy — meaning you pay just 10% of the interest while the state government covers the rest. Whether you want to set up a dairy farm with 5 cows, start a goat unit, or expand into poultry, at least one scheme in this guide is designed for you. This guide covers every farmer, rural youth, and women’s SHG in Uttarakhand aged 18+ who wants to start or scale an animal husbandry business in 2026. You will find the Mukhyamantri Pashudhan Mission (state), National Livestock Mission and AHIDF (central), Pashu KCC (bank), and the Aanchal cooperative society route — all in one place, with eligibility, subsidy amounts, and the step-by-step application process.
Under the Mukhyamantri Rajya Pashudhan Mission, Uttarakhand residents get 90% interest subsidy on bank loans for dairy (2–10 animals), goat, pig, and poultry units. SC/ST beneficiaries and milk producer cooperative members can access the same benefit, with loans starting from Rs. 1 lakh. Apply at your nearest veterinary hospital with a bank consent letter.
- Flagship State Scheme: Mukhyamantri Rajya Pashudhan Mission (MRLPM)
- Interest Subsidy: 90% of bank loan interest (state pays 90%, farmer pays 10%)
- Loan for 5 Cows Unit: Up to Rs. 3,75,000 (as per MRLPM project norms)
- Loan for 2 Buffaloes Unit: Up to Rs. 3,75,000
- Poultry (1,000 Broiler Birds): Bank loan with 90% interest subsidy
- Central Scheme (NLM-EDP): Up to 50% capital subsidy for goat, sheep, piggery via udyamimitra.in
- AHIDF (GoI): 3% interest subvention on loans up to Rs. 100 crore for dairy processing, feed plants
- Pashu KCC Interest Rate: 7% p.a. (with GoI interest subvention of 1.5%)
- NABARD Cooperative Route: NCDC loan of Rs. 3,340 crore approved for Uttarakhand dairy, horticulture, fisheries
- Eligibility Age: 18 years minimum, resident of Uttarakhand
- Apply At: Local veterinary hospital (state scheme) / udyamimitra.in (central scheme)
- Official Portal: ahd.uk.gov.in
📋 Table of Contents
- What Is Uttarakhand Pashupalan Loan Yojana 2026?
- Who Should Apply for Pashupalan Loan Yojana?
- State Government Pashupalan Schemes Uttarakhand 2026
- Central Government Schemes for Pashupalan in Uttarakhand
- Bank Loan Schemes: Pashu KCC, SBI, PNB & NABARD
- Cooperative Society Route — Aanchal UCDF & NCDC
- Subsidy Amount, Loan Limits & Monthly Income Potential
- Eligibility Criteria & Application Fee
- How to Apply for Pashupalan Loan — Step-by-Step Process
- State Scheme vs Central Scheme vs Bank Loan — Comparison
- Pros and Cons of Uttarakhand Pashupalan Loan Yojana
- Important Terms Related to Pashupalan Loan Yojana
- Important Dates & Timeline
- Important Links
- Conclusion
- Key Takeaways
- Frequently Asked Questions
What Is Uttarakhand Pashupalan Loan Yojana 2026 and How Does It Work?
Uttarakhand Pashupalan Loan Yojana 2026 is the collective name for all livestock loan and subsidy programmes operating in the state under four funding channels: the state government’s Mukhyamantri Rajya Pashudhan Mission (MRLPM); central government schemes including the National Livestock Mission-Entrepreneurship Development Programme (NLM-EDP), Rashtriya Gokul Mission (RGM), and Animal Husbandry Infrastructure Development Fund (AHIDF); bank products such as Pashu Kisan Credit Card (Pashu KCC); and the cooperative society route through UCDF (Aanchal) and NCDC.
The flagship state scheme works as an interest subsidy model: you take a bank loan to buy animals or set up a unit, and the Uttarakhand Animal Husbandry Department (AHD) reimburses 90% of the interest directly to the bank on your behalf. You only pay the remaining 10% of interest plus your principal EMI. The central schemes work differently — they offer a back-ended capital subsidy (a lump-sum reduction in your loan outstanding) after you have repaid on time for a defined period. Together, these channels cover every scale of livestock enterprise, from a 2-buffalo household unit to a Rs. 100 crore dairy processing plant.
Who Should Apply for Uttarakhand Pashupalan Loan Yojana 2026?
- 🐄 Small and marginal farmers who own or lease land in Uttarakhand and want to add a dairy income stream with 2–10 cows or buffaloes.
- 🐐 Rural youth aged 18–40 returning from cities (reverse migrants) looking for self-employment in goat farming, piggery, or poultry in hill districts.
- 👩🌾 Women and women’s SHGs eligible for the 90% interest subsidy and additionally benefit from priority allocation in many NLM-EDP components.
- 🐓 Poultry entrepreneurs planning a commercial broiler farm of 1,000 birds or a 250-bird layers unit under the Mukhyamantri scheme.
- 🧑🤝🧑 Farmer Producer Organizations (FPOs) and cooperatives seeking NLM-EDP capital subsidy of up to 50% for breed improvement or feed and fodder units.
- 🏭 MSMEs and private entrepreneurs wanting to build dairy processing plants, animal feed factories, or cold chain units under AHIDF with a 3% interest subvention.
- 🐑 Shepherd and pastoral communities in high-altitude districts (Chamoli, Pithoragarh, Uttarkashi) who rear Badri cow, Bhabar goat, or local sheep breeds and qualify under Rashtriya Gokul Mission and NLM Breed Development.
- 🏦 Existing livestock farmers who are members of an Aanchal milk cooperative society and want concessional loans through NCDC or UCDF for herd expansion.
State Government Pashupalan Schemes in Uttarakhand 2026
The Uttarakhand Department of Animal Husbandry operates the Mukhyamantri Rajya Pashudhan Mission (MRLPM) as the primary state-level scheme. Under MRLPM, the state government bears 90% of the bank interest for the following units, making it one of the most generous interest-subsidy livestock schemes in India.
Dairy Entrepreneurship Development Scheme (State) — Unit-wise Loan Amounts
| Unit Type | Unit Size | Approx. Max. Bank Loan | State Interest Subsidy |
|---|---|---|---|
| Cow Dairy Unit (Small) | 5 Cows | Rs. 3,75,000 | 90% of interest |
| Cow Dairy Unit (Large) | 10 Cows | Rs. 7,50,000 | 90% of interest |
| Buffalo Dairy Unit (Small) | 2 Buffaloes | Rs. 3,75,000 | 90% of interest |
| Buffalo Dairy Unit (Large) | 5 Buffaloes | Rs. 9,00,000 | 90% of interest |
| Draft Animal Unit | 1 Mule | Rs. 1,20,000 | 90% of interest |
| Draft Animal Unit | 2 Mules | Rs. 2,40,000 | 90% of interest |
| Small Ruminant Unit | 5 Goat/Sheep (F) + 1 Male | Rs. 1,00,000 | 90% of interest |
| Small Ruminant Unit (Large) | 10 Goat/Sheep (F) + 1 Male | Rs. 2,00,000 | 90% of interest |
| Pig Unit | 5 Female + 1 Male | Rs. 1,50,000 | 90% of interest |
| Poultry (Broiler) | 1,000 Birds | Rs. 4,00,000 | 90% of interest |
| Poultry (Layer) | 250 Birds | Rs. 1,50,000 | 90% of interest |
Special benefit for SC/ST and milk producer cooperative members: These categories receive the same 90% interest subsidy and are given priority in processing at district veterinary offices, as per the official MRLPM notification available on ahd.uk.gov.in.
The state also operates the Breed Multiplication Farm scheme through the Uttarakhand Livestock Development Board (ULDB) under Rashtriya Gokul Mission, where a maximum subsidy of Rs. 50 lakh is provided for a project cost of Rs. 1 crore, targeted at farmers, FPOs, and Section 8 companies wanting to establish high-genetic-merit heifer multiplication farms.
Central Government Schemes for Pashupalan in Uttarakhand 2026
Three central government programmes actively support livestock farmers in Uttarakhand in 2026. These run parallel to the state scheme and can sometimes be stacked for maximum benefit.
1. National Livestock Mission — Entrepreneurship Development Programme (NLM-EDP)
Implemented by the Department of Animal Husbandry and Dairying (DAHD), Government of India, the NLM-EDP focuses on entrepreneurship in poultry, sheep, goat, piggery, and feed-and-fodder sectors. The scheme is active on the udyamimitra.in portal and offers up to 50% capital subsidy to individuals, FPOs, SHGs, and Section 8 companies.
- Sub-Mission on Breed Development: Capital subsidy for setting up rural poultry breed units, small ruminant breed farms, and piggery entrepreneur units.
- Sub-Mission on Feed and Fodder: Assistance for fodder seed production, silage making, hay bailing, and fodder block units — vital for Uttarakhand’s hill terrain where green fodder is scarce in winter.
- Sub-Mission on R&D, Livestock Insurance and Extension: Subsidized livestock insurance and extension services for farmers in remote blocks.
- Apply At: udyamimitra.in — upload DPR, Aadhaar, bank letter, and land documents.
2. Rashtriya Gokul Mission (RGM) — Indigenous Breed Support
The Rashtriya Gokul Mission, with a budget of Rs. 2,400 crore for 2021–26, supports conservation and improvement of indigenous bovine breeds. Uttarakhand has received over Rs. 137 crore under RGM since inception. Key benefits for Uttarakhand farmers include a 50% capital subsidy for Breed Multiplication Farms (BMF) catering to the Badri cow — Uttarakhand’s hardy indigenous hill breed — and Rs. 5,000 subsidy per IVF pregnancy for high-genetic-merit heifers. Applications are routed through the NDDB eoi portal.
3. Animal Husbandry Infrastructure Development Fund (AHIDF)
AHIDF is a Rs. 29,110 crore fund under DAHD targeting medium and large infrastructure — dairy processing plants, animal feed factories, meat processing, and waste-to-wealth units. In the Union Budget 2026–27, the Finance Minister announced a new Credit-Linked Subsidy Programme and modernization push under AHIDF, signaling continued expansion. Key terms for Uttarakhand applicants:
- Loan Range: Rs. 1 lakh to Rs. 100 crore
- Interest Subvention: 3% per annum for up to 8 years of regular repayment
- Margin: 10% for micro and small units; 25% for other entrepreneurs
- Repayment: Maximum 120 months including 24-month moratorium
- Credit Guarantee: Up to Rs. 5 crore under CGTMSE for MSMEs; up to Rs. 2 crore under NABSanrakshan
- Apply At: udyamimitra.in or nearest SBI branch (SBI is the nodal bank)
Bank Loan Schemes for Pashupalan in Uttarakhand 2026
Even without a state or central subsidy, Uttarakhand pashupalan borrowers can access dedicated bank products with interest rates as low as 4% per annum effective after government subventions.
Pashu Kisan Credit Card (Pashu KCC) — Working Capital for Livestock
Pashu KCC is a revolving credit facility extended under the national KCC scheme, covering animal husbandry and fisheries since 2019. The effective interest rate for timely repayment is 4% per annum (GoI subvention of 1.5% + prompt repayment incentive of 1.5% on base rate of 7%). It is collateral-free up to Rs. 1.60 lakh, making it ideal for a small goat unit or 2-buffalo household dairy. In Uttarakhand, 49,649 Pashu KCC accounts had been issued as of the latest parliamentary data, with Rs. 386.43 crore outstanding — showing strong and growing uptake.
SBI Dairy Farm Loan / PNB Agri Term Loan
For larger dairy units not covered under Pashu KCC limits, SBI and Punjab National Bank (PNB) offer dedicated agri-allied term loans for dairy farm setup. The 2026 interest rate for SBI dairy farm loans is 7.50%–9.55% per annum (MCLR-linked), but when combined with the state’s 90% interest subsidy under MRLPM, the effective borrower rate drops to just 0.75%–0.96% per annum — among the lowest effective borrowing costs for agriculture in India.
Uttarakhand Grameen Bank (UKGB) — Priority Sector Hill Area Lending
Uttarakhand Grameen Bank, a Regional Rural Bank (RRB), provides priority-sector animal husbandry loans with a concessional margin of 10% of project cost for borrowers in hill districts (per RBI guidelines for North-Eastern states and hill states). This lower margin requirement means a Rs. 3.75 lakh dairy loan requires only Rs. 37,500 as the farmer’s own contribution. UKGB branches are present in all 13 districts, making it the most accessible bank for farmers in remote blocks such as Dharchula, Chamoli, and Bhatwari.
Cooperative Society Route — Aanchal UCDF & NCDC
Uttarakhand’s dairy cooperative ecosystem is built around the Aanchal brand, managed by the Uttarakhand Cooperative Dairy Federation Ltd. (UCDF Ltd.), which operates across all 13 districts through 11 District Milk Cooperative Unions. UCDF members benefit from the following financial routes:
- NCDC Loan Access: The National Cooperative Development Corporation (NCDC) has sanctioned a loan of Rs. 3,340 crore for Uttarakhand covering dairy development, cooperative farming, horticulture, and fisheries — among the largest cooperative finance packages for the state. Members of Aanchal milk societies can access cattle purchase loans channeled through NCDC at subsidized rates.
- UKCDP (Uttarakhand Cooperative Development Programme): Under the Central Sector Integrated Scheme on Agricultural Cooperation (CSISAC), this programme distributes high-yield cows to milk producers. A recent tranche involved distributing 10,000 cows to 3,000 milk producers through cooperative societies, at preferential pricing for members.
- Primary Agricultural Credit Societies (PACS): As part of the International Year of Cooperatives 2025 initiative, Uttarakhand is forming 601 new Multipurpose PACS, Dairy, and Fisheries Societies. New society members can immediately access short-term working capital loans at 5% interest through the Uttarakhand State Cooperative Bank.
- Eligibility to Join Aanchal: Any resident of a village served by an Aanchal milk collection route can join the primary milk cooperative society at their village by paying a nominal share capital (typically Rs. 100–500) and committing to supply milk regularly.
You can combine the Mukhyamantri Rajya Pashudhan Mission (90% state interest subsidy) with the NLM-EDP capital subsidy (up to 50% capital reduction) on eligible units such as goat-breed farms. The state scheme covers your bank interest while NLM-EDP reduces your principal outstanding. Together, the effective cost of setting up a 10-goat unit can drop to under Rs. 50,000 from your own pocket on a Rs. 2 lakh project. Check with your district Animal Husbandry Officer (AHO) on which combinations are currently permitted to avoid double-counting.
Subsidy Amount, Loan Limits & Monthly Income Potential 2026
| Unit Type | Approx. Loan | Subsidy / Benefit | Est. Monthly Income |
|---|---|---|---|
| 5 Cow Dairy (MRLPM) | Rs. 3,75,000 | 90% interest subsidy | Rs. 15,000–25,000 |
| 10 Cow Dairy (MRLPM) | Rs. 7,50,000 | 90% interest subsidy | Rs. 30,000–50,000 |
| 2 Buffalo Dairy (MRLPM) | Rs. 3,75,000 | 90% interest subsidy | Rs. 12,000–18,000 |
| 10 Goat + 1 Buck (MRLPM) | Rs. 2,00,000 | 90% interest subsidy | Rs. 8,000–15,000 |
| 1,000 Broiler Birds (MRLPM) | Rs. 4,00,000 | 90% interest subsidy | Rs. 20,000–35,000 per cycle |
| Goat Breed Farm (NLM-EDP) | Rs. 5,00,000 | Up to 50% capital subsidy | Rs. 12,000–20,000 |
| BMF under RGM (ULDB) | Rs. 1,00,00,000 | Rs. 50 lakh (50%) subsidy | Rs. 2,00,000+ (enterprise) |
| Dairy Processing (AHIDF) | Rs. 50 lakh–100 cr | 3% interest subvention | Varies (enterprise scale) |
| Pashu KCC (Working Capital) | Up to Rs. 1.60 lakh | Effective rate 4% p.a. | Supplementary income |
Income estimates are indicative based on current market milk prices (Rs. 30–40/litre for cow milk, Rs. 45–55/litre for buffalo milk) and breed productivity. Actual income depends on herd management, feed cost, and market access. Verify official subsidy amounts at ahd.uk.gov.in before applying.
Eligibility Criteria & Documents Required
Eligibility varies by scheme. The following covers the most widely applied state scheme (MRLPM) and key central schemes.
Eligibility for Mukhyamantri Rajya Pashudhan Mission (State Scheme)
- Permanent resident of Uttarakhand
- Minimum age: 18 years
- Must obtain a bank consent letter (loan pre-approval) before applying at the veterinary hospital
- No existing default on any agricultural or animal husbandry loan in any scheduled bank
- SC/ST, women, widows, disabled, and milk cooperative members get priority allocation
Eligibility for NLM-EDP (Central Scheme)
- Any individual, FPO, SHG, Section 8 company, or cooperative — no state residency restriction, but unit must be set up in India
- Must have a viable project report (DPR) for the proposed unit
- Must have a bank term loan sanctioned from a scheduled commercial bank, RRB, or cooperative bank
- No prior conviction related to financial fraud or agricultural scheme misuse
Application Fee
| Category | State Scheme (MRLPM) Fee | NLM-EDP Portal Fee |
|---|---|---|
| General | Nil | Nil |
| SC/ST | Nil (priority processing) | Nil |
| Women / SHG | Nil (priority processing) | Nil |
| FPO / Section 8 | Not applicable | Nil |
Documents Required
- Aadhaar card (mandatory for all schemes — Aadhaar-linked DBT)
- PAN card
- Bank passbook (first page showing account number and IFSC)
- Passport-size photograph (2 copies)
- Bank consent letter / loan pre-sanction letter
- Land ownership document or lease agreement (for unit construction)
- Caste certificate (if applicable — for SC/ST priority)
- Disability certificate (if applicable)
- Self-Help Group registration certificate (if SHG application)
How to Apply for Uttarakhand Pashupalan Loan Yojana 2026 — Step-by-Step
- Choose your unit type — Decide which animal unit you want to establish (dairy, goat, poultry, piggery) based on your land, water, and market access. Check the MRLPM project files on ahd.uk.gov.in to see the official cost norms for your chosen unit.
- Visit your nearest bank — Go to SBI, PNB, Bank of Baroda, Uttarakhand Grameen Bank, or any scheduled cooperative bank and request a pre-sanction / consent letter for an animal husbandry loan under the MRLPM category. Bring Aadhaar, PAN, passbook, and a brief project note.
- Collect the bank consent letter — The bank will assess your creditworthiness and issue a consent letter stating the loan amount they are willing to sanction. This is not the final loan; it is pre-approval to proceed with the government office.
- Visit your local veterinary hospital — Submit the bank consent letter along with all required documents to the Chief Animal Husbandry Officer (CAHO) or the in-charge veterinarian at your nearest government veterinary hospital. The veterinary officer verifies your project proposal and site.
- Veterinary hospital forwards to bank — After verifying the project, the Chief Animal Husbandry Officer forwards the application to the bank recommending loan sanction under MRLPM. The bank then formally sanctions and disburses the loan.
- Loan disbursed and interest subsidy activated — Once the loan is disbursed, the AHD begins crediting the 90% interest subsidy directly to your loan account with the bank every quarter. You pay only the principal EMI plus 10% of the interest.
- For NLM-EDP (central scheme) — Visit udyamimitra.in, register as a beneficiary, upload your DPR, bank sanction letter, and KYC documents online. Track application status on the portal.
- For AHIDF (large projects) — Visit the nearest SBI branch or udyamimitra.in, prepare a full Detailed Project Report (DPR) covering project cost, plant and machinery details, and revenue projections. After bank sanction, the 3% interest subvention is credited annually.
Mukhyamantri Pashudhan Mission vs NLM-EDP vs Pashu KCC — Which Is Best?
| Factor | MRLPM (State) | NLM-EDP (Central) | Pashu KCC (Bank) |
|---|---|---|---|
| Administering Body | UK Animal Husbandry Dept. | DAHD, Govt. of India | Scheduled banks / RRBs |
| Type of Benefit | 90% interest subsidy | Up to 50% capital subsidy | Low interest (4% effective) |
| Loan Limit | Up to Rs. 9 lakh (5 buffalo unit) | Based on project cost | Up to Rs. 1.60 lakh (collateral-free) |
| Apply Through | Local veterinary hospital | udyamimitra.in | Bank branch |
| Eligible Activities | Dairy, goat, pig, poultry, mule | Goat, sheep, pig, poultry, fodder | All livestock working capital |
| Subsidy Timing | Ongoing (per quarter) | Back-ended (after repayment) | Real-time (rate reduction) |
| Best For | Small/marginal farmers, SC/ST, women | FPOs, SHGs, rural entrepreneurs | Any farmer needing quick working capital |
| Processing Time | 4–8 weeks | 8–16 weeks | 7–14 days |
| Can Be Stacked? | Yes, with NLM-EDP (check AHO) | Yes, with state scheme (check AHO) | Separate — for working capital only |
For first-time livestock farmers in Uttarakhand, the Mukhyamantri Rajya Pashudhan Mission is the best starting point: the 90% interest subsidy dramatically lowers your monthly cash outflow, the application route is simple (veterinary hospital), and no upfront subsidy release is needed. Once your unit is established and performing, you can layer in NLM-EDP for breed upgrading or fodder infrastructure. For working capital (fodder purchase, veterinary medicine, labour wages), add a Pashu KCC at 4% effective rate. Cooperative society members should additionally register with Aanchal to access NCDC-backed cattle loans.
Pros and Cons of Uttarakhand Pashupalan Loan Yojana 2026
Advantages
- ✅ 90% interest subsidy under MRLPM is among the highest in any state, effectively making bank borrowing near-free for small dairy units.
- ✅ Zero application fee across all categories, including general category applicants.
- ✅ Multiple channels — state, central, bank, and cooperative — mean every scale of farmer has at least one viable option.
- ✅ Special priority for SC/ST, women, widows, and disabled applicants ensures inclusive access.
- ✅ Pashu KCC at 4% effective rate provides quick working capital without collateral up to Rs. 1.60 lakh.
Disadvantages
- ❌ Bank pre-sanction is mandatory before visiting the veterinary hospital — farmers in remote blocks often find this first step difficult due to limited bank connectivity.
- ❌ NLM-EDP subsidy is back-ended — it is released only after you repay regularly for a defined period, meaning you bear the full EMI initially.
- ❌ AHIDF is suited to large enterprises (minimum DPR of Rs. 1 lakh project cost) and not designed for subsistence-level livestock keepers.
Important Terms Related to Uttarakhand Pashupalan Loan Yojana
- Interest Subsidy: A payment by the government to the bank covering a percentage of the interest due on your loan, reducing your effective interest outgo. Under MRLPM, the state covers 90% of total interest.
- Back-Ended Capital Subsidy: A subsidy released by the government to the bank to reduce your outstanding principal after a defined repayment track record — used in NLM-EDP.
- Pashu KCC (Pashu Kisan Credit Card): A revolving livestock credit card with GoI interest subvention, available at 7% base rate (effective 4% for prompt repayers).
- MRLPM: Mukhyamantri Rajya Pashudhan Mission — the flagship Uttarakhand state scheme offering 90% interest subsidy for dairy, goat, poultry, piggery, and mule units.
- NLM-EDP: National Livestock Mission — Entrepreneurship Development Programme — the central government capital subsidy scheme (up to 50%) for small ruminants, piggery, poultry, and fodder units.
- AHIDF: Animal Husbandry Infrastructure Development Fund — Rs. 29,110 crore central fund offering 3% interest subvention for dairy processing, animal feed, and meat processing infrastructure.
- UCDF / Aanchal: Uttarakhand Cooperative Dairy Federation Ltd., the apex dairy cooperative operating the Aanchal brand across all 13 districts, enabling members to access NCDC cooperative finance.
- NABARD: National Bank for Agriculture and Rural Development — provides refinance to banks and cooperatives for agriculture and allied-sector lending in Uttarakhand.
- NCDC: National Cooperative Development Corporation — has sanctioned Rs. 3,340 crore for Uttarakhand cooperatives including dairy development and fisheries.
- RGM (Rashtriya Gokul Mission): Central scheme for conservation and genetic improvement of indigenous bovine breeds; offers up to 50% capital subsidy for Breed Multiplication Farms in Uttarakhand.
Important Dates & Application Timeline
| Activity / Milestone | Details / Timeline |
|---|---|
| MRLPM — Application Window | Rolling / year-round (no fixed deadline) |
| NLM-EDP — Portal Open | Rolling on udyamimitra.in (as per DAHD notification) |
| AHIDF — Implementation Period | Projects sanctioned up to 31 March 2026; disbursals permitted up to 31 March 2027 |
| Pashu KCC — Application | Available year-round at all participating banks |
| RGM BMF Scheme — EOI | As per NDDB/ULDB call for Expression of Interest on nddb.coop |
| UKCDP Cow Distribution | Check with district cooperative department; subject to fund availability |
| MRLPM Quarterly Interest Subsidy Credit | Credited to loan account every quarter after loan disbursement |
| Annual Policy Review (MRLPM) | Reviewed at start of each financial year (April); subsidy rates may be updated |
Important Links — Uttarakhand Pashupalan Loan Yojana 2026
| Link Name | URL |
|---|---|
| UK Animal Husbandry Dept. Official Website | ahd.uk.gov.in |
| MRLPM Scheme Official Page | ahd.uk.gov.in/scheme/chief-minister-state-livestock-mission/ |
| NLM-EDP Central Scheme Page | ahd.uk.gov.in/scheme/national-livestock-mission-entrepreneurship-development-program/ |
| Apply for NLM-EDP Online | udyamimitra.in |
| DAHD Official — Central Schemes | dahd.gov.in |
| NABARD Official Website | nabard.org |
| RGM BMF Application (NDDB) | eoi.nddb.coop |
| Aanchal / UCDF Dairy Cooperative | cooperative.uk.gov.in |
| SBI AHIDF Loan Details | sbi.co.in — AHIDF |
Conclusion — Final Thoughts on Uttarakhand Pashupalan Loan Yojana 2026
The Uttarakhand Pashupalan Loan Yojana 2026 gives livestock farmers a four-channel support system — state subsidy, central capital grant, subsidized bank credit, and cooperative finance — that is collectively powerful enough to make a dairy or goat unit financially viable even on a small landholding in the hills. The Mukhyamantri Rajya Pashudhan Mission’s 90% interest subsidy is the strongest starting point for first-time borrowers, while the NLM-EDP and AHIDF provide a natural upgrade path as your enterprise scales. Start by visiting your nearest veterinary hospital and bank in parallel, and check the official scheme pages at ahd.uk.gov.in for the latest project cost norms before you apply. Bookmark this page — we update it every time official data or scheme guidelines change.
- Uttarakhand’s MRLPM provides 90% interest subsidy on bank loans for dairy, goat, poultry, pig, and mule units — the farmer pays only 10% of interest plus principal.
- A 5-cow dairy unit loan of Rs. 3,75,000 under MRLPM can generate Rs. 15,000–25,000 per month in milk income; the effective interest burden is under Rs. 2,000/month.
- The central NLM-EDP scheme provides up to 50% capital subsidy for goat, sheep, piggery, and fodder units — apply online at udyamimitra.in.
- AHIDF offers 3% interest subvention on loans up to Rs. 100 crore for dairy processing and animal feed plants — ideal for agri-entrepreneurs in Uttarakhand.
- Pashu KCC gives working capital at 4% effective rate up to Rs. 1.60 lakh without collateral — apply at any bank branch year-round.
- Joining an Aanchal milk cooperative (UCDF) unlocks NCDC financing and UKCDP cattle distribution benefits on top of existing loan schemes.
Frequently Asked Questions About Uttarakhand Pashupalan Loan Yojana 2026
What is Uttarakhand Pashupalan Loan Yojana 2026?
Uttarakhand Pashupalan Loan Yojana 2026 refers to all livestock loan and subsidy schemes available to farmers and entrepreneurs in Uttarakhand, covering the state-run Mukhyamantri Rajya Pashudhan Mission (90% interest subsidy), the central government’s NLM-EDP and AHIDF schemes, the Pashu Kisan Credit Card from banks, and cooperative society finance through UCDF/Aanchal and NCDC. Together, these programmes fund dairy farms, goat units, poultry, piggery, and dairy processing infrastructure.
How much subsidy is provided under the Mukhyamantri Pashudhan Mission?
The Mukhyamantri Rajya Pashudhan Mission provides a 90% interest subsidy on bank loans — the state government pays 90% of the total interest directly to the bank, and the farmer pays only the remaining 10% of interest plus the principal EMI. This applies to dairy units (2–10 cows/buffaloes), goat and sheep units (5–10 females + 1 male), pig units (5 female + 1 male), poultry units (250–1,000 birds), and mule units (1–2 animals). SC/ST beneficiaries and milk cooperative members receive priority processing.
Who is eligible to apply for Uttarakhand pashupalan loan subsidy?
To apply under the state’s Mukhyamantri Rajya Pashudhan Mission, you must be a permanent resident of Uttarakhand aged 18 or above and must not have an existing default on any bank loan. SC/ST applicants, women, widows, and persons with disabilities receive priority allocation. For the central NLM-EDP scheme, any individual, FPO, SHG, cooperative, or Section 8 company across India is eligible, provided they have a viable project and a bank-sanctioned term loan.
How do I apply for Uttarakhand pashupalan loan online?
For the state scheme (MRLPM), the application process is offline: visit your nearest government veterinary hospital with a bank consent letter and complete KYC documents. The veterinary officer forwards the application to the bank. For the central NLM-EDP scheme, apply online at udyamimitra.in by registering, uploading your DPR and bank sanction letter, and tracking your application. For Pashu KCC, visit your nearest bank branch — no online pre-application is required for branches with full KYC records.
What is the maximum loan amount for dairy farming in Uttarakhand 2026?
Under the MRLPM state scheme, the maximum loan amount is determined by the project cost norms set by the Uttarakhand Animal Husbandry Department — a 5-buffalo unit carries a maximum loan of approximately Rs. 9 lakh, while a 10-cow unit supports up to Rs. 7.5 lakh. For larger dairy infrastructure under AHIDF, loans range from Rs. 1 lakh to Rs. 100 crore. The official project cost files (PDFs) for each unit type are downloadable from ahd.uk.gov.in.
Can I get both state and central subsidy on the same livestock unit?
In some cases, yes — the 90% interest subsidy (MRLPM, state) and the capital subsidy (NLM-EDP, central) cover different financial components of the same loan and can be stacked on eligible units such as goat breed farms. However, the specific combination permitted depends on the scheme guidelines current at the time of application. Always consult your District Animal Husbandry Officer (DAHO) before applying to both schemes simultaneously, to ensure no double-counting of subsidy violates either scheme’s guidelines.
What is the interest rate on Pashu KCC for livestock farmers in Uttarakhand?
The nominal interest rate on Pashu Kisan Credit Card is 7% per annum as the base rate (GoI subvention of 1.5% reduces it to 5.5% for the bank). Farmers who repay on time additionally receive a prompt repayment incentive of 1.5%, bringing the effective interest rate down to 4% per annum. The Pashu KCC is collateral-free up to Rs. 1.60 lakh and available from SBI, PNB, Bank of Baroda, Uttarakhand Grameen Bank, and cooperative banks across Uttarakhand.
How do I join the Aanchal dairy cooperative to access livestock loans?
To join the Aanchal dairy cooperative (UCDF Ltd.), visit the primary milk cooperative society in your village or the nearest Aanchal District Milk Union office. Pay the nominal share capital (typically Rs. 100–500) and commit to supplying milk regularly. Aanchal covers all 13 districts of Uttarakhand through 11 District Milk Cooperative Unions. Once enrolled, you can access cattle purchase loans through the NCDC-backed financing channel and benefit from the UKCDP cow distribution programme at preferential rates.
What animals are covered under Uttarakhand pashupalan loan schemes?
Uttarakhand’s pashupalan loan schemes cover the following animal units in 2026: dairy cows (5 and 10 cow units), buffaloes (2 and 5 buffalo units), goats and sheep (5+1 and 10+1 units), pigs (5+1 unit), draft animals including mules (1 and 2 mule units), and poultry including commercial broilers (1,000 birds) and layer birds (250 birds). Indigenous bovine breed multiplication is additionally covered under the Rashtriya Gokul Mission for farmers, FPOs, and SHGs wanting to establish Breed Multiplication Farms.
Is there any income guarantee under the Uttarakhand pashupalan scheme?
No — neither MRLPM nor NLM-EDP guarantees income. The schemes provide financial assistance (subsidy and low-cost loans) to reduce the cost of setting up and running livestock units. Your actual income depends on herd management, animal productivity, feed costs, and market access for milk or produce. A 5-cow dairy unit in Uttarakhand can realistically generate Rs. 15,000–25,000 per month at current milk prices, but this requires disciplined farm management, timely veterinary care, and access to a reliable milk procurement route such as Aanchal.
Disclaimer: This guide is for informational purposes only. Subsidy amounts, loan limits, and eligibility criteria are subject to change by the Government of Uttarakhand and the Government of India. Always verify the latest terms at ahd.uk.gov.in and dahd.gov.in before submitting your application. This post does not constitute financial or legal advice.
Last Updated: October 2026. This guide is reviewed and updated regularly for accuracy. Bookmark this page for the latest information on Uttarakhand Pashupalan Loan Yojana.
