A&N Islands Pashupalan Loan Yojana 2026 – 50% Subsidy, Apply Online

Andaman & Nicobar Islands Pashupalan Loan Yojana 2026 is the complete ecosystem of central government schemes, UT-level animal husbandry programmes, public sector bank loans, and cooperative society credit lines available to livestock farmers across the A&N Islands. The Animal Husbandry and Veterinary Services Department of the A&N Administration has a budgetary outlay of Rs.70.11 crore for 2026–27 — entirely funded by the Union Government through Demand No. 52 under the Ministry of Home Affairs. This guide is for farmers, rural youth, tribal communities, and entrepreneurs across South Andaman, North & Middle Andaman, and Nicobar districts who want to start or expand dairy, poultry, goat, pig, or mixed livestock farming. It covers every active scheme, subsidy amount, eligibility rule, required documents, and step-by-step application process for 2026.

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What Is A&N Islands Pashupalan Loan Yojana 2026?

The A&N Islands Pashupalan Loan Yojana 2026 is not a single scheme but an integrated framework of central government programmes, UT department initiatives, public sector bank loans, and cooperative credit products that together fund livestock farming across the archipelago. Because the Andaman & Nicobar Islands operate as a Union Territory without a legislative assembly, all animal husbandry funding flows from the Central Government — making national schemes like the National Livestock Mission (NLM), NABARD’s Dairy Entrepreneurship Development Scheme (DEDS), and the Animal Husbandry Infrastructure Development Fund (AHIDF) the primary channels for farmer finance here.

The Directorate of Animal Husbandry & Veterinary Services (AH&VS) under the A&N Administration implements these centrally sponsored schemes at the district level across South Andaman, North & Middle Andaman, and Nicobar. For FY 2026–27, the department’s total budgetary allocation stands at Rs.70.11 crore — Rs.64.99 crore for veterinary healthcare operations and Rs.5.12 crore for capital infrastructure including composite livestock farms, poultry hatcheries, and veterinary dispensary construction.

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Animals covered under Pashupalan loan schemes in A&N Islands include milch cattle (cow, buffalo), goat, sheep, pig, poultry (layer and broiler), and mixed livestock units. The livestock insurance scheme under NLM commenced for FY 2026–27 with 2,942 animals targeted in South Andaman district alone during the first phase, significantly reducing the financial risk for island farmers.

Who Should Apply for Pashupalan Loan in A&N Islands?

The Pashupalan Loan Yojana 2026 in A&N Islands is designed for a broad range of beneficiaries. You are eligible if you fall into any of the profiles below:

• 🐄 Dairy farmers who want to set up a milch cattle unit with 2–10 animals and need working capital or project financing
• 🐐 Goat/sheep farmers planning a breeding unit of 100–500 females and want to access NLM’s Rs.10–50 lakh capital subsidy
• 🐓 Poultry entrepreneurs setting up a backyard, rural, or commercial layer/broiler farm of 500–10,000 birds
• 🐖 Piggery farmers who want to establish a pig breeding or fattening unit with 50–100 sows
• 👩‍🌾 Women farmers and SC/ST community members eligible for higher subsidy (33.33% instead of 25% under NABARD DEDS)
• 🏘️ Self Help Groups (SHGs) and Farmer Producer Organisations (FPOs) who can apply collectively under NLM and AHIDF
• 🎓 Rural youth and graduates (18–45 years) from island communities who want to start a livestock business with government support
• 🏝️ Tribal community members from Andaman and Nicobar districts who qualify for special UT tribal welfare convergence support alongside livestock loans

Central Government Schemes Active in A&N Islands 2026

Four major central government schemes fund Pashupalan loans and subsidies in the A&N Islands. Each targets a different livestock segment and loan size, so farmers can choose the one that best fits their project.

1. National Livestock Mission (NLM) — EDP Component

The NLM is the flagship central scheme for Pashupalan entrepreneurship in A&N Islands. It is implemented by the Ministry of Fisheries, Animal Husbandry and Dairying through the state/UT Directorate of AH&VS. The EDP (Entrepreneurship Development Programme) component provides 50% capital subsidy (Government of India’s share = 50% of project cost, beneficiary’s share = 50%) for goat/sheep, pig, and poultry units. Applications are made entirely online at nlm.udyamimitra.in.

2. Animal Husbandry Infrastructure Development Fund (AHIDF)

AHIDF is a Rs.29,610-crore central corpus scheme for dairy and meat processing infrastructure. It offers up to 90% project financing with a 3% annual interest subvention for up to 8 years (including a 2-year moratorium). Bank of Baroda, SBI, and other scheduled commercial banks channel AHIDF loans. The scheme is designed for larger-scale dairy processing plants, cold chain infrastructure, and animal feed units rather than individual farm purchases.

3. NABARD Dairy Entrepreneurship Development Scheme (DEDS)

NABARD’s DEDS provides back-ended capital subsidy of 25% for General category and 33.33% for SC/ST and women beneficiaries for setting up small dairy units, purchasing milch animals, and installing milk processing equipment. Under DEDS, a 10-animal dairy unit gets a loan of up to Rs.7 lakh with the subsidy deposited back against the outstanding loan. Interest rates run from 8.05% p.a. with loan tenure of 5–7 years and a 6-month moratorium.

4. NLM Livestock Insurance Scheme (Active FY 2026–27)

The Directorate of AH&VS A&N commenced the NLM Livestock Insurance Scheme for FY 2026–27. In the first phase, 2,942 animals in South Andaman district are being insured, covering milch cattle and other livestock. Insurance coverage protects farmers from financial loss due to disease, accident, or natural disaster — a particularly critical protection in an island territory prone to cyclones and sea disruption.

A&N UT Animal Husbandry Department Scheme 2026

The A&N Administration’s Animal Husbandry and Veterinary Services Department implements two flagship departmental programmes with a combined outlay of Rs.70.11 crore for 2026–27.

Scheme 1 — Veterinary Healthcare & Livestock Disease Control (Rs.64.99 crore): This revenue-head scheme supports veterinary hospitals and polyclinics across all three districts with animal pharmaceuticals, diagnostic tools, artificial insemination infrastructure, and disease surveillance. While not a direct loan scheme, it reduces the operating cost of livestock farming by providing free or subsidised veterinary services — effectively supporting the financial viability of any Pashupalan loan project.

Scheme 2 — Capital Infrastructure for Animal Husbandry (Rs.5.12 crore): The capital head funds construction of composite livestock farms, poultry hatcheries, and veterinary dispensaries across island blocks. Farmers whose projects are co-located with these infrastructure points benefit from reduced logistics costs for breeding stock, feed, and veterinary inputs.

Bank Loan Options for Pashupalan in A&N Islands 2026

Several scheduled commercial banks and Regional Rural Banks (RRBs) operate in A&N Islands and offer dedicated animal husbandry loan products. These can be combined with NLM or NABARD subsidies for maximum benefit.

Cooperative Society Scheme — A&N State Cooperative Bank

The Andaman & Nicobar State Cooperative Bank (ANSCB) and associated Primary Agricultural Credit Societies (PACS) and Large-sized Adivasi Multi-Purpose Cooperative Societies (LAMPS) provide farm-sector credit, including dairy loans, to member-farmers across island blocks. The Department of Cooperatives has a FY 2026–27 budget outlay of Rs.19.29 crore, including Rs.17.95 crore in credit subvention support for cooperative societies.

ANSCB operates Agriculture/Dairy Loan products for its member-farmers. LAMPS — which primarily serve tribal and Scheduled Tribe communities in remote island areas — can access cooperative credit at concessional rates for livestock activities. Cooperative society loans are particularly valuable for Nicobar district and remote island communities who may have limited access to commercial bank branches.

To access cooperative Pashupalan credit, farmers must first become a member of their nearest PACS or LAMPS. Capital infrastructure support from the cooperative department — Rs.1.34 crore for cooperative office and cold storage godown construction in 2026–27 — also benefits dairy and livestock cooperatives.

Pashupalan Loan Subsidy Amounts 2026 — Full Breakdown

Eligibility Criteria for Pashupalan Loan Yojana 2026

Each scheme has its own eligibility, but the common baseline requirements across all Pashupalan loan schemes in A&N Islands are:

• Residency: Must be a resident of Andaman & Nicobar Islands (UT domicile preferred for UT-level coordination; NLM and NABARD are open to all Indian residents)
• Age: Minimum 18 years; no upper age bar for most schemes (SHG/FPO members may have institutional eligibility criteria)
• Category: SC/ST applicants get higher NABARD DEDS subsidy (33.33%). Women farmers get equal higher subsidy under DEDS
• Land/Infrastructure: Must have access to land for the livestock unit — own land, leased land, or patta land. Proof of land availability required
• Bank Account: Active savings/current bank account with KYC compliance (PMJDY accounts accepted)
• Project Viability: Must prepare a Detailed Project Report (DPR) for NLM and NABARD applications; the AH&VS department can assist in DPR preparation
• No Prior Subsidy Conflict: Cannot claim dual subsidy for the same project component from two different schemes simultaneously
• For NLM specifically: SHGs, FPOs, Section 8 companies, individual farmers, and cooperatives are all eligible to apply. More than one adult family member may apply under NLM-EPD for different components

Documents Required to Apply for Pashupalan Loan 2026

• Identity Proof: Aadhaar card, Voter ID, or Passport
• Address/Domicile Proof: Ration card, utility bill, or UT domicile certificate
• Land Documents: Land patta, lease agreement, or land ownership certificate
• Bank Account Details: Cancelled cheque or passbook copy (account must be with an NLM/NABARD empanelled bank)
• Caste Certificate: Required for SC/ST category to claim higher subsidy rate
• Project/DPR: Detailed Project Report for the proposed livestock unit (can be assisted by AH&VS department)
• Photographs: Recent passport-size photographs of the applicant
• Income Certificate: If required by specific bank or cooperative for credit appraisal
• SHG/FPO Registration Certificate: For group applications under NLM or NABARD

How to Apply Online — Step-by-Step Process

1. Identify Your Scheme: Decide which scheme fits your plan — NLM for goat/sheep/piggery/poultry; NABARD DEDS for dairy; AHIDF for large dairy processing infrastructure. You can apply for more than one component under NLM for different activities.
2. Prepare Your DPR: Write a Detailed Project Report covering project type, unit size, land availability, cost estimates, and expected income. Visit the Directorate of AH&VS at Port Blair (Sri Vijaya Puram) for free DPR preparation assistance.
3. Register on the Official Portal: For NLM, go to nlm.udyamimitra.in. Create your account with Aadhaar and mobile number OTP. For NABARD DEDS/AHIDF, approach your nearest NABARD-empanelled commercial bank (SBI, Bank of Baroda, Bank of India).
4. Fill the Online Application: Select the A&N Islands UT, choose your component (goat/sheep, piggery, poultry), enter project details, and upload all required documents in the prescribed format.
5. Bank Appraisal & Loan Sanction: The empanelled bank appraises your DPR, conducts a site visit (if required), and sanctions the loan. The bank forwards the subsidy claim to NABARD or DAHD after sanction.
6. Subsidy Approval by DAHD/NABARD: The Department of Animal Husbandry and Dairying (for NLM) or NABARD (for DEDS) reviews and approves the subsidy component.
7. Subsidy Disbursement: For NLM, subsidy is disbursed in 2 instalments — 50% after unit is established and operational, 50% after the second verification. For NABARD DEDS, subsidy is back-ended — credited against your loan outstanding after the project is complete and verified.
8. Project Completion Deadline: Complete your project within 9 months of loan sanction. Failure to complete within the stipulated timeline forfeits NABARD DEDS subsidy eligibility.

Pashupalan Loan Yojana (NLM + NABARD) vs Regular Bank Loan — Comparison

Advantages and Disadvantages of A&N Islands Pashupalan Loan Yojana 2026

Advantages:

• ✅ Up to 50% capital subsidy under NLM — the single largest government subsidy available for livestock entrepreneurship in India
• ✅ 100% centrally funded UT means no state budget shortfall risk — schemes are fully active and not dependent on state fiscal position
• ✅ Livestock insurance under NLM provides financial protection against disease and natural disaster losses — critical for island conditions
• ✅ Free veterinary services from AH&VS department reduce ongoing operational costs for Pashupalan loan borrowers
• ✅ SC/ST and women farmers receive 33.33% subsidy vs 25% for general category — promoting inclusive livestock development

Disadvantages:

• ❌ Approval timelines of 2–4 months can delay project start — not suitable for farmers needing immediate capital
• ❌ Project completion must happen within 9 months under NABARD DEDS; island logistics and material supply delays can create compliance risk
• ❌ DPR preparation requires technical knowledge; without AH&VS department assistance, applications can be returned for correction
• ❌ NLM subsidy disbursement is in 2 instalments — farmers must bridge-finance 100% of cost initially, recovering 50% subsidy after first verification

Important Terms Related to A&N Islands Pashupalan Loan Yojana 2026

• NLM (National Livestock Mission): Central government umbrella scheme for livestock entrepreneurship, breed development, and insurance; provides up to 50% capital subsidy for goat, sheep, piggery, and poultry units.
• AHIDF (Animal Husbandry Infrastructure Development Fund): Rs.29,610-crore central fund with 3% interest subvention for dairy and meat processing infrastructure; repayment up to 10 years including 2-year moratorium.
• NABARD DEDS (Dairy Entrepreneurship Development Scheme): NABARD-administered scheme providing 25–33.33% back-ended capital subsidy for dairy units; milk processing, cold chain, and milch animal purchase covered.
• Back-Ended Subsidy: Subsidy credited against your outstanding loan balance after project completion and verification — not given upfront. You repay the full loan EMI initially; the subsidy reduces total outstanding later.
• Capital Subsidy: A one-time government contribution toward the project cost, reducing the principal you owe — unlike interest subvention, which reduces monthly interest cost.
• CGFMU (Credit Guarantee Fund for Micro Units): Provides collateral-free coverage for animal husbandry loans up to Rs.10 lakh under Bank of Baroda’s BAHFKCC scheme.
• KCC (Kisan Credit Card) for Animal Husbandry: A revolving credit facility for working capital needs of livestock farmers; up to Rs.2 lakh at concessional interest rates with nil collateral requirement up to Rs.1.6 lakh.
• AH&VS (Animal Husbandry and Veterinary Services): The implementing department of the A&N Administration for all Pashupalan schemes — first point of contact for DPR assistance and scheme registration.
• DPR (Detailed Project Report): A structured business plan for your livestock project required for NLM and NABARD scheme applications; covers unit size, cost, land, income projections, and market linkage.
• LAMPS (Large-sized Adivasi Multi-Purpose Cooperative Society): Tribal cooperative societies in A&N Islands that provide credit to Scheduled Tribe members for agricultural and livestock activities at cooperative rates.

Important Links — A&N Islands Pashupalan Loan Yojana 2026

Conclusion — A&N Islands Pashupalan Loan Yojana 2026

The Andaman & Nicobar Islands Pashupalan Loan Yojana 2026 gives livestock farmers across all three UT districts access to one of India’s most comprehensive subsidy ecosystems — combining NLM’s 50% capital subsidy, NABARD DEDS’s 25–33.33% back-ended subsidy, AHIDF’s 3% interest subvention, cooperative credit from ANSCB/LAMPS, and active livestock insurance. With Rs.70.11 crore allocated for animal husbandry in the 2026–27 central budget for A&N Islands and the NLM Livestock Insurance Scheme already operationalised for FY 2026–27, this is the best time for A&N Islands farmers to formalise their Pashupalan investments. Visit nlm.udyamimitra.in or contact the AH&VS Directorate at Port Blair to begin your application today — and bookmark this page, as we update it every time official scheme data changes.

Frequently Asked Questions About Andaman Nicobar Pashupalan Loan Yojana 2026

What is the Andaman & Nicobar Islands Pashupalan Loan Yojana 2026?

The A&N Islands Pashupalan Loan Yojana 2026 is the combined set of central government schemes (NLM, NABARD DEDS, AHIDF), UT animal husbandry department programmes, public bank loan products, and cooperative credit options available to livestock farmers across the three A&N districts. It covers dairy, goat, sheep, piggery, and poultry farming with subsidies of 25–50% and loans from approximately 7% p.a.

How much subsidy can I get on a Pashupalan loan in A&N Islands?

Under NLM, you can receive a capital subsidy of 50% of project cost — up to Rs.50 lakh for a large goat/sheep unit or Rs.30 lakh for a piggery unit. Under NABARD DEDS for dairy farming, the subsidy is 25% (General category) or 33.33% (SC/ST/women) of project cost, with a back-ended structure credited after project completion.

Who implements Pashupalan schemes in the A&N Islands?

The Directorate of Animal Husbandry and Veterinary Services (AH&VS) under the A&N Administration implements all central livestock schemes in the UT. For NLM, the state implementing agency is the A&N AH&VS Directorate. For NABARD DEDS and AHIDF, empanelled commercial banks (SBI, Bank of Baroda, Bank of India) are the channel partners with NABARD providing refinance and subsidy.

Can I apply for both NLM and NABARD DEDS at the same time?

You can apply for NLM for one livestock activity (say, goat farming) and NABARD DEDS for a different activity (say, dairy unit) simultaneously, provided the projects are distinct and you do not claim dual subsidy on the same cost component. Check current DAHD and NABARD guidelines to confirm combinability for your specific project before applying.

What animals are covered under the A&N Islands Pashupalan Loan Yojana 2026?

The Pashupalan loan schemes in A&N Islands cover milch cattle (cow, buffalo) for dairy, goat, sheep, pig (piggery), rural and commercial poultry (layer/broiler), and mixed livestock units. NLM’s livestock insurance also covers these animal categories for financial protection against disease, accident, and natural disasters.

Where do I apply online for the NLM Pashupalan loan subsidy in A&N Islands?

Applications for NLM subsidy are made entirely online at nlm.udyamimitra.in. For NABARD DEDS and AHIDF, approach your nearest NABARD-empanelled commercial bank branch (SBI, Bank of Baroda, Bank of India) in Port Blair or other island branches. The A&N State Cooperative Bank (anscb.bank.in) handles cooperative-sector Pashupalan credit for ANSCB members.

Is collateral required for a Pashupalan loan in A&N Islands?

No collateral is required for loans up to Rs.1.6 lakh under the Kisan Credit Card (KCC) Animal Husbandry scheme. For loans up to Rs.10 lakh under Bank of Baroda’s BAHFKCC scheme, CGFMU (Credit Guarantee Fund for Micro Units) provides collateral coverage. NLM subsidy-linked loans through NABARD-empanelled banks also typically benefit from relaxed collateral norms given the back-ended government subsidy backstop.

What is the livestock insurance scheme active in A&N Islands for 2026–27?

The Directorate of AH&VS A&N Administration has commenced the NLM Livestock Insurance Scheme for FY 2026–27, with 2,942 animals targeted in South Andaman district in the first phase. The scheme provides financial protection to livestock farmers against losses due to disease, accident, or natural calamity. It is particularly important for island farmers given the risk of cyclone and sea disruption. Contact the AH&VS Directorate at Port Blair to enroll your animals.

How long does it take to get a Pashupalan loan approved in A&N Islands?

Approval and disbursement typically takes 2–4 months for government-linked Pashupalan loans (NLM/NABARD DEDS) due to the multi-stage process: DPR preparation, bank appraisal, government subsidy approval, and disbursement. Plain commercial bank loans (KCC, BAHFKCC) can be processed in 7–21 days but do not carry subsidy benefits. Plan your project timeline accordingly, and apply at the start of the financial year (April–July) for best results.

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