SBI Dairy Farm Loan 2026 – Rate, EMI & Eligibility
SBI dairy farm loan 2026 is one of the most affordable financing options available for Indian farmers and rural entrepreneurs looking to start or expand a dairy business. State Bank of India — India’s largest public sector bank with over 22,000 branches — offers dedicated allied-activities loans for dairy farming starting at 7.50% per annum, with loan amounts ranging from ₹50,000 for a 2-animal mini unit to ₹50 lakh and above for commercial dairy setups. Whether you are a small farmer in Bihar or a dairy entrepreneur in Maharashtra, this 2026 updated guide covers everything: exact interest rates (MCLR-linked), EMI calculator tables for ₹5L / ₹10L / ₹20L, eligibility criteria, documents checklist, subsidy status, SBI vs other banks comparison, and a step-by-step application process.
| Loan Name | SBI Allied Activities Loan (Dairy / Animal Husbandry) |
| Interest Rate | 7.50% p.a. onwards (1-Year MCLR-linked) |
| Loan Amount | ₹50,000 – ₹50 Lakh+ (project-based) |
| Repayment Tenure | 3 to 7 years (moratorium up to 12 months) |
| Age Eligibility | 18 – 70 years |
| Collateral (up to ₹3L) | Nil — hypothecation of livestock only (KCC route) |
| Subsidy Link | AHIDF (3% interest subvention for eligible entities) |
| Application Mode | Offline (SBI Agri Branch) / Online (YONO App) |
- SBI Dairy Farm Loan 2026 – Interest Rate Structure
- EMI Calculator: ₹5L / ₹10L / ₹20L Tables
- SBI Dairy Loan Eligibility Criteria 2026
- Documents Required for SBI Dairy Farm Loan
- SBI Dairy Loan Schemes: KCC, Allied Activities & AHIDF
- Who Should Apply for SBI Dairy Farm Loan?
- How to Apply for SBI Dairy Farm Loan 2026 – Step by Step
- SBI vs PNB vs BOB – Dairy Loan Comparison 2026
- High-Value Dairy Finance Terms You Must Know
- Frequently Asked Questions (FAQs)
SBI Dairy Farm Loan 2026 – Interest Rate Structure
The SBI dairy farm loan interest rate in 2026 is linked to the bank’s 1-Year MCLR (Marginal Cost of Funds-Based Lending Rate). As of June 2026, SBI’s 1-Year MCLR stands at approximately 8.55% per annum. For allied-activities dairy loans, SBI typically applies a spread of negative 0.50% to positive 1.00% over MCLR depending on borrower profile and loan category — making the effective interest rate range 7.50% to 9.55% p.a.
For farmers with a Kisan Credit Card (KCC) for Allied Activities, the Government of India provides 2% interest subvention under the Interest Subvention Scheme (ISS) for loans up to ₹3 lakh — bringing the effective rate down to as low as 5.50% p.a. for prompt repayers. Additionally, prompt repayment attracts a further 3% rebate, meaning well-disciplined borrowers can access dairy finance at just 4% p.a. under the KCC route, one of the lowest rates available for any agricultural loan in India.
| Loan Category | Rate of Interest (p.a.) | Effective Rate (with subvention) | Collateral |
|---|---|---|---|
| KCC Allied Activities (up to ₹3 lakh) | 7.50% | 4.00% (prompt repayment) | Nil – hypothecation of livestock |
| KCC Allied Activities (above ₹3 lakh) | MCLR + spread (~8.55%–9.55%) | No subvention | Land / third-party guarantee |
| Term Loan – Allied Activities (Dairy) | 7.50%–9.55% p.a. | Varies by project size | Mortgage / hypothecation |
| AHIDF (Dairy Processing / Infrastructure) | EBLR + 200 bps | 3% interest subvention for 5 yrs | Mortgage of project assets |
| SBI Agri Gold Loan (for dairy input) | 8.00%–9.50% p.a. | As per scheme | Gold ornaments pledged |
Note: Interest rates are indicative as of June 2026 and are subject to revision by SBI. Always confirm the current rate at your nearest SBI Agri Branch before applying.
SBI Dairy Loan EMI Calculator – ₹5L, ₹10L & ₹20L Tables
Before applying for an SBI dairy farm loan, calculate your monthly EMI using the standard formula: EMI = [P × R × (1+R)^N] / [(1+R)^N – 1], where P = principal, R = monthly interest rate, N = tenure in months. The tables below give you ready-reckoner EMI figures at common loan amounts and tenures at the indicative 2026 interest rate of 8.50% p.a. (reducing balance), which is the most commonly applicable rate for dairy term loans above ₹3 lakh.
| Loan Amount | Tenure | Interest Rate | Monthly EMI (approx.) | Total Interest Paid | Total Repayment |
|---|---|---|---|---|---|
| ₹5,00,000 | 3 Years | 8.50% | ₹15,766 | ₹67,576 | ₹5,67,576 |
| 5 Years | 8.50% | ₹10,234 | ₹1,14,040 | ₹6,14,040 | |
| 7 Years | 8.50% | ₹7,861 | ₹1,60,124 | ₹6,60,124 | |
| ₹10,00,000 | 3 Years | 8.50% | ₹31,533 | ₹1,35,188 | ₹11,35,188 |
| 5 Years | 8.50% | ₹20,468 | ₹2,28,080 | ₹12,28,080 | |
| 7 Years | 8.50% | ₹15,722 | ₹3,20,248 | ₹13,20,248 | |
| ₹20,00,000 | 3 Years | 8.50% | ₹63,066 | ₹2,70,376 | ₹22,70,376 |
| 5 Years | 8.50% | ₹40,936 | ₹4,56,160 | ₹24,56,160 | |
| 7 Years | 8.50% | ₹31,444 | ₹6,40,496 | ₹26,40,496 |
EMIs are calculated on reducing balance basis at 8.50% p.a. Actual figures may vary based on your branch-specific rate, processing fees, and insurance charges. Use SBI’s official EMI calculator at sbi.bank.in to get exact figures.
Key Planning Insight: A 10-cow dairy farm generating average milk income of ₹60,000–₹80,000 per month can comfortably service an EMI of ₹20,000–₹31,000 per month on a ₹10 lakh loan over 5–7 years. Always keep a buffer of at least 30% of monthly income for feed, veterinary, and operational costs before committing to an EMI.
SBI Dairy Loan Eligibility Criteria 2026
The SBI dairy farm loan eligibility in 2026 is broadly defined to cover the full spectrum of dairy sector participants — from individual small farmers to organised groups and agri-entrepreneurs. Here are the detailed eligibility conditions:
- 🧑🌾 Individual Farmers: Owner-cultivators, tenant farmers, oral lessees, and sharecroppers engaged in or planning to engage in milch animal rearing, calf rearing, or small dairy setups.
- 👨👩👧 Joint Borrowers / JLG: Two or more farmers forming a Joint Liability Group (JLG) are eligible, which helps landless or small farmers access larger loan amounts collectively.
- 🏘️ Self-Help Groups (SHGs): Women-led or mixed SHGs with demonstrated dairy activity or a solid project proposal can apply as a group entity.
- 🏢 FPOs and Dairy Cooperatives: Farmer Producer Organisations (FPOs), milk unions, and cooperative societies can access larger dairy infrastructure loans including the AHIDF scheme routed through SBI.
- 👩💼 Rural Entrepreneurs: Non-farming entrepreneurs who can demonstrate a viable dairy business plan with land or shed availability, feed supply arrangements, and milk procurement tie-ups.
- 🏦 Age Requirement: Minimum 18 years, maximum 70 years at loan maturity. Senior applicants (above 60) may need to include a younger co-borrower or guarantor.
- 📊 Credit Score: A CIBIL score of 650 and above is preferred for faster processing. No prior credit history is acceptable for first-time borrowers under KCC allied-activities route.
| Category | Age Relaxation | Processing Fee | Collateral Waiver |
|---|---|---|---|
| General / OBC | Standard (18–70 yrs) | 0.35% of loan amount + GST | Up to ₹3 lakh (KCC route) |
| SC / ST | 5 years additional | Concessional / Nil (scheme-based) | Up to ₹3 lakh (KCC route) |
| Women Farmers / SHG | Standard | Often waived under SHG-Bank linkage | Up to ₹5 lakh (SHG route) |
| EWS / PwBD | Standard | Nil (scheme-based) | As per scheme |
Documents Required for SBI Dairy Farm Loan 2026
Having all SBI dairy loan documents ready before visiting the branch dramatically speeds up approval. Here is the complete checklist organised by category:
- 📋 Application Form: Duly filled SBI Agriculture Loan application (available at any SBI Agri branch or downloaded from sbi.bank.in).
- 🪪 Identity Proof (any one): Aadhaar card, PAN card, Voter ID, Driving Licence, or Passport — with one self-attested photocopy each.
- 🏠 Address Proof (any one): Aadhaar card, electricity bill (last 3 months), ration card, or bank passbook with address.
- 📸 Passport-Size Photographs: 2 recent colour photographs of applicant (and co-borrower if any).
- 🌾 Land / Activity Proof: Land ownership records (Khasra / Khatauni), lease agreement, or proof of existing dairy activity (milk society membership card, purchase receipts for animals).
- 🏦 Bank Statement: Last 6 months’ SBI or other bank account statement showing regular transactions and dairy income credits.
- 📄 Detailed Project Report (DPR): A project report showing number and type of animals, shed construction costs, estimated milk yield, feed costs, and projected monthly income — mandatory for loans above ₹2 lakh.
- 💰 Quotation / Invoice: Price quotations from verified suppliers for animals (from government livestock markets or registered breeders), equipment, and construction materials.
- 🏛️ No-Dues Certificate: From any existing lender confirming there is no outstanding agriculture loan default (required for loans above ₹1 lakh).
- 📜 Caste Certificate (if applicable): For SC/ST/OBC borrowers to avail concessional rates or priority-sector benefits.
SBI Dairy Loan Schemes: KCC, Allied Activities & AHIDF Explained
SBI routes dairy financing through 3 primary mechanisms in 2026. Understanding which scheme suits your scale of operation is the most important step before applying for any SBI dairy farm loan:
1. Kisan Credit Card (KCC) for Allied Activities
The SBI KCC for Allied Activities is the most accessible dairy loan route for small farmers. It covers milch animal rearing (cows, buffaloes, goats), poultry, fisheries, sheep, and pig rearing. The Scale of Finance (SoF) per animal is fixed by the District Level Technical Committee (DLTC) based on local cost norms. For KCC limits up to ₹3 lakh, there is zero processing fee and no separate collateral requirement. Interest subvention of 2% makes this effectively one of the cheapest credit instruments for India’s rural dairy entrepreneurs.
2. SBI Allied Activities Term Loan (Dairy)
For farmers setting up medium-scale dairy units with 5–20 animals, shed construction, milking machines, and bulk milk coolers, the SBI Allied Activities Term Loan is the right product. Loan amounts between ₹50,000 and ₹50 lakh are covered. Repayment tenures stretch up to 7 years, with a moratorium of 6–12 months for new setups. The scale of finance follows NABARD’s unit cost norms, ensuring standardised loan sizing aligned to actual project requirements. Primary security is hypothecation of the dairy animals and assets created, while collateral (land mortgage) is required for amounts above ₹3 lakh.
3. Animal Husbandry Infrastructure Development Fund (AHIDF)
For organised dairy processors, FPOs, cooperatives, and private entrepreneurs setting up milk processing plants, chilling units, meat processing, or animal feed manufacturing, the AHIDF scheme via SBI is the most powerful option. The scheme offers 3% interest subvention for 5 years, credit guarantee from NABSanrakshan for loans up to ₹2 crore (nil collateral), and a moratorium of up to 2 years. Loan amounts below ₹50 lakh are priced at EBLR + 200 bps while larger amounts follow bank-specific guidelines. DAHD (Department of Animal Husbandry and Dairying) under the Ministry of Fisheries, Animal Husbandry and Dairying, Govt. of India is the implementing ministry.
Who Should Apply for SBI Dairy Farm Loan 2026?
The SBI dairy farm loan 2026 is designed with a wide borrower funnel, but it works best for specific profiles. Here are 8 candidate types who stand to benefit the most:
- 🐄 Small Farmers with 1–5 Milch Animals: Farmers already rearing 1–5 cows or buffaloes who want to expand to 10–15 animals for a dedicated dairy income stream. The KCC allied-activities route (up to ₹3 lakh, nil collateral) is tailor-made for this group.
- 👩🌾 Women Farmers and SHG Members: Women-led SHGs running milk collection points or small dairy units get priority processing at SBI branches and may benefit from processing fee waivers under the SHG-Bank Linkage Programme.
- 🎓 Agriculture Graduates / Agri-Entrepreneurs: Young graduates from state agriculture universities or veterinary colleges starting a modern dairy unit with scientific herd management, A2 milk, or organic dairy products can apply for term loans up to ₹20–50 lakh with a strong DPR.
- 🤝 Farmer Producer Organisation (FPO) Members: Farmers organised under FPOs or milk cooperative societies can apply collectively for larger dairy infrastructure loans, including cold chain equipment and bulk milk coolers, often eligible under AHIDF.
- 🏘️ SC / ST Rural Farmers: Scheduled Caste and Scheduled Tribe applicants benefit from concessional processing fees and priority-sector lending mandates at SBI, making dairy loan approval more accessible for economically marginalised communities.
- 🌾 Tenant Farmers and Oral Lessees: Farmers without land ownership documents are still eligible under SBI’s KCC Allied Activities route using lease agreements or oral tenancy declarations alongside a local guarantor.
- 🏭 Dairy Processing / Value-Addition Entrepreneurs: Entrepreneurs setting up ghee units, paneer plants, curd manufacturing, or milk packaging units in rural or semi-urban locations can access AHIDF-linked loans through SBI for ₹2 crore to ₹50 crore with 3% interest subvention.
- 🧑💼 Existing Dairy Farmers Seeking Modernisation: Farmers with an established dairy herd who want to add automatic milking machines, solar-powered fodder choppers, or biogas digesters from dairy waste can apply for a top-up term loan on their existing SBI agricultural account.
How to Apply for SBI Dairy Farm Loan 2026 – Step by Step
The SBI dairy farm loan application process in 2026 follows a structured 8-step pathway. Prepare all documents before Step 4 to avoid unnecessary delays:
- Prepare Your Dairy Project Plan: Finalise the number and breed of animals (HF / Jersey crossbred / Murrah buffalo), shed layout, feed source, and milk buyer or cooperative tie-up. Estimate your monthly income and costs on paper before approaching the bank.
- Prepare a Detailed Project Report (DPR): Draft a DPR covering unit cost, loan requirement, margin contribution (minimum 10–15% from your side), income projections (monthly milk yield × MSP), and repayment plan. SBI branch agriculture officers can help first-time applicants structure a standard DPR.
- Collect All Documents: Assemble the full documents checklist mentioned above — identity proof, land records, 6-month bank statement, DPR, animal quotations, and no-dues certificate.
- Visit Your Nearest SBI Agri Branch: Go to the SBI branch covering your area and ask specifically for the Agri Loan / Allied Activities desk. Submit the loan application form along with all supporting documents. The Branch Agriculture Officer (BAO) will conduct a preliminary interview to assess project viability.
- Field Verification: The BAO or a bank-appointed technical officer will visit your proposed dairy farm site to inspect land, access to water, fodder availability, and verify your existing animal husbandry capacity. This step typically happens within 7–10 working days of application submission.
- Loan Appraisal and Sanction: The branch credit committee appraises your DPR and field report. If the loan is above ₹10 lakh, it may be referred to the regional office for higher-level sanction. Total time for sanction: 15–30 working days depending on loan size and documentation completeness.
- Execute Loan Agreement and Security: Sign the loan agreement, hypothecation deed for animals/assets, and — for amounts above ₹3 lakh — execute the mortgage of collateral land. Pay any applicable processing fees (0.35% of loan amount + GST).
- Loan Disbursement: SBI disburses the loan in tranches aligned to actual purchase / construction progress. First tranche is typically for animal purchase; subsequent tranches for shed construction, equipment, and working capital. Keep purchase receipts and photographs of animals ready at each stage for bank inspection.
- ❌ Never overstate milk yield in DPR — SBI officers use NABARD’s district-wise scale of finance norms, not the seller’s claims. Overstating leads to project rejection at appraisal.
- ❌ Do not buy animals before loan sanction — Purchasing before disbursement means you won’t get the first tranche against animal purchase and may lose your security claim.
- ❌ Do not ignore the moratorium — New dairy units need 4–6 months to reach peak milk production. Always negotiate a 6–12 month moratorium at application stage — not later.
- ✅ Do link your loan to a registered milk cooperative or SBI dairy society — Milk income credited directly to your SBI account improves repayment track record and qualifies you for future credit enhancement.
SBI vs PNB vs BOB – Dairy Farm Loan Comparison 2026
Choosing the right bank for your dairy farm loan in 2026 can save you lakhs of rupees in interest over a 7-year tenure. Here is a head-to-head comparison of the 3 major public sector banks offering dedicated dairy loans:
| Parameter | SBI (Allied Activities / KCC) | PNB (Agri Term Loan) | Bank of Baroda (BOB Mini Dairy) |
|---|---|---|---|
| Interest Rate | 7.50%–9.55% p.a. | ~8.50%–10.50% p.a. | ~8.00%–10.00% p.a. |
| Loan Amount | ₹50,000 – ₹50 Lakh+ | ₹50,000 – ₹25 Lakh | ₹50,000 – ₹20 Lakh |
| Max Animals Financed | Up to commercial scale | Up to 20 milch animals | 2–10 milch animals (mini dairy) |
| Tenure | 3–7 years | 3–7 years | 3–5 years |
| Moratorium | 6–12 months | 6 months | 6 months |
| Collateral (up to ₹3L) | Nil (KCC route) | Nil (KCC route) | Hypothecation of animals |
| NABARD Refinance | Yes | Yes | Yes |
| AHIDF Eligibility | Yes (processing units) | Yes | Yes |
| Branch Network (Rural) | 22,000+ branches | 11,000+ branches | 9,500+ branches |
| Best For | All scales; best rate access; widest reach | Mid-size farms in North India | Small 2–10 cow mini dairy units |
For most Indian dairy farmers and rural entrepreneurs, SBI is the best choice for dairy farm loans in 2026 — not just because of competitive rates starting at 7.50% p.a., but because of its unmatched rural branch penetration (22,000+ branches), full NABARD refinance linkage, KCC allied activities flexibility, and access to the AHIDF scheme for scaling up dairy processing. If you already hold an SBI savings or current account, your KYC is pre-verified and loan processing time is typically 30–40% faster. For small 2–5 cow units in North India states like UP, Bihar, or Rajasthan where PNB has strong rural presence, PNB’s agri term loan may be comparably priced — but SBI’s overall product suite and subsidy linkages make it the first port of call for dairy finance.
High-Value Dairy Finance Terms You Must Know
Understanding these key terms will help you negotiate better loan terms and make informed decisions when applying for any SBI animal husbandry loan or dairy scheme:
- 📌 MCLR (Marginal Cost of Funds-Based Lending Rate): The benchmark rate SBI uses to price floating-rate loans. Your dairy loan rate = 1-Year MCLR + spread. As of June 2026, SBI’s 1-Year MCLR is approximately 8.55% p.a. — check SBI’s official agricultural interest rate page for the latest figure.
- 📌 EBLR (External Benchmark Lending Rate): For AHIDF loans and larger commercial dairy finance, SBI uses EBLR (linked to RBI repo rate) + spread. As of June 2026, repo rate is 6.25%, making EBLR approximately 8.25% and AHIDF loans priced at ~10.25% before 3% subvention.
- 📌 Scale of Finance (SoF): The per-animal or per-unit cost fixed by District Level Technical Committees (DLTCs), used by SBI to determine how much loan to sanction for your dairy project. Higher-quality crossbred cows like HF (Holstein Friesian) command a higher SoF than local breeds.
- 📌 Hypothecation: A form of security where you pledge your dairy animals and assets as collateral without physically handing them over to the bank. SBI registers a hypothecation charge on your livestock for dairy loan security.
- 📌 KCC for Allied Activities: Kisan Credit Card extended to animal husbandry activities. It provides revolving credit for working capital (feed, veterinary, labour) alongside term credit for animal purchase — up to ₹3 lakh with zero processing fees and government interest subvention.
- 📌 AHIDF (Animal Husbandry Infrastructure Development Fund): A Rs.15,000 crore Govt. of India fund for dairy processing, meat processing, animal feed manufacturing, and breed improvement infrastructure. SBI is a key participating bank offering 3% interest subvention on AHIDF loans for eligible entities. Visit DAHD’s official portal for scheme guidelines.
- 📌 NLM-EDEG (National Livestock Mission – Entrepreneurship Development): A current active scheme replacing DEDS, providing 50% capital subsidy (up to ₹25 lakh for SC/ST; ₹10 lakh for others) for setting up poultry, sheep, goat, and dairy units. Channelled through NABARD’s official portal — a critical alternative to the now-closed DEDS for subsidy-linked dairy finance in 2026.
- 📌 SBI Dairy Society Plus Loan: A specialised SBI product for registered milk cooperative societies covering construction of milk houses, automatic milk collection systems, transport vehicles, and bulk chilling units — repayable within 5 years with land / milk union guarantee as collateral.
- 📌 Interest Subvention Scheme (ISS): GoI scheme providing 2% p.a. interest subvention on short-term KCC loans up to ₹3 lakh for allied activities including dairy. An additional 3% rebate is given for prompt repayment — bringing effective rate to 4% p.a. for disciplined borrowers.
Frequently Asked Questions (FAQs) – SBI Dairy Farm Loan 2026
What is the interest rate for SBI dairy farm loan in 2026?
The SBI dairy farm loan interest rate in 2026 starts at 7.50% per annum for allied-activities loans linked to the 1-year MCLR. The effective rate depends on your loan amount, credit score, collateral offered, and whether you are eligible for any interest subvention under government schemes. For KCC allied-activities loans up to ₹3 lakh, prompt repayment can bring the effective cost down to as low as 4% p.a. Contact your nearest SBI branch for the branch-specific current rate sheet.
Who is eligible for SBI dairy farm loan?
Eligibility for the SBI dairy farm loan 2026 includes individual farmers, joint borrowers, tenant farmers, oral lessees, sharecroppers, Self-Help Groups (SHGs), Joint Liability Groups (JLGs), Farmer Producer Organisations (FPOs), dairy cooperatives, and rural entrepreneurs. The applicant must be an Indian citizen between 18 and 70 years of age with proof of animal husbandry activity or a planned dairy setup supported by a viable project report.
What documents are required for SBI dairy farm loan?
Documents required for the SBI dairy farm loan 2026 include: filled application form, Aadhaar card, PAN card, passport-size photos, land ownership or lease documents, proof of dairy activity, bank passbook (last 6 months), Detailed Project Report (DPR), quotations for animals or shed construction, and a no-dues certificate from existing lenders. SC/ST applicants must provide a caste certificate for concessional rate benefits.
How much loan can I get from SBI for dairy farming?
Under SBI’s allied-activities dairy loan, you can typically borrow from ₹50,000 for a 2-animal mini unit up to ₹50 lakh or more for a large commercial dairy farm with milking equipment and cold chain infrastructure. Larger amounts above ₹10 lakh require collateral in the form of land mortgage or a third-party guarantee. For AHIDF-linked dairy processing projects, SBI can finance up to ₹50 crore and beyond with NABARD refinance backing.
What is the repayment tenure for SBI dairy farm loan 2026?
The repayment tenure for SBI dairy farm loan 2026 is typically 3 to 7 years, depending on the scale of the project and cash-flow projections submitted in the DPR. A moratorium period of 6 months to 12 months may be offered for new dairy setups to account for the time needed for animals to reach full milk production. Repayment is structured in monthly or quarterly EMIs aligned with the dairy income cycle, not crop harvest cycles.
Can I get SBI dairy farm loan without land?
Yes, under the Kisan Credit Card (KCC) for Allied Activities scheme, SBI does not require separate collateral for loan limits up to ₹3 lakh — the hypothecation of the livestock itself acts as primary security. Tenant farmers and sharecroppers with lease agreements may also be eligible under special provisions. For amounts above ₹3 lakh, land or other tangible collateral is typically required, or you can apply as part of a JLG or SHG for collective security arrangements.
Is there any subsidy on SBI dairy farm loan in 2026?
The earlier NABARD-backed Dairy Entrepreneurship Development Scheme (DEDS) that offered 25–33% back-ended capital subsidy was discontinued after FY 2020-21. In 2026, the active subsidy-linked dairy finance routes are: (1) AHIDF — offering 3% interest subvention for eligible MSMEs, cooperatives, FPOs for dairy processing and infrastructure via SBI; and (2) NLM-EDEG — providing 50% capital subsidy for small dairy units (SC/ST beneficiaries). Check NABARD’s official portal for the latest scheme status.
How to apply for SBI dairy farm loan online?
You can initiate your SBI dairy farm loan 2026 application online via the SBI YONO app or by visiting sbi.bank.in and navigating to Agriculture → Allied Activities. However, for loan amounts above ₹1 lakh, a physical visit to the nearest SBI Agri branch is mandatory to submit your Detailed Project Report (DPR), land documents, and collateral papers. The branch Agriculture Officer will appraise the project and sanction the loan within 15–30 working days of complete document submission.
What is SBI Pashupalan Loan Yojana?
SBI Pashupalan Loan Yojana is the colloquial name used for SBI’s allied-activities loan covering milch animal rearing (cows, buffaloes), goat and sheep rearing, poultry, and piggery — the full suite of animal husbandry credit products offered under SBI’s agriculture and rural banking vertical. It is not a single standalone scheme but a cluster of products including the KCC for Allied Activities, the SBI Allied Activities Term Loan, and the AHIDF facility. Effective interest rates range from 7.50% to 9.55% p.a. in 2026 depending on the specific product and borrower profile.
This guide is regularly reviewed and updated for accuracy. Bookmark this page for the latest SBI dairy farm loan notifications, rate changes, and government scheme updates. Last Updated: June 2026.
