J&K Pashupalan Loan Yojana 2026 – 50% Subsidy, Eligibility & Apply Online

J&K Pashupalan Loan Yojana 2026 covers every livestock loan and subsidy scheme available to farmers, herders, and rural entrepreneurs in Jammu & Kashmir — from the UT government’s Holistic Agriculture Development Programme (HADP) and Integrated Dairy Development Scheme (IDDS) to central government schemes like NLM and AHIDF, bank products like Pashu KCC, and cooperative society routes via NCDC and JAKFED. This guide is for J&K residents aged 18 and above who want to start or expand a dairy farm, sheep unit, goat farm, or poultry venture and need to know which scheme gives the most money, who qualifies, and how to apply in 2026. We cover: state schemes, central schemes, bank loan products, cooperative society funding, eligibility rules, required documents, step-by-step application process, and a comparison of all four funding channels.

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What Is J&K Pashupalan Loan Yojana 2026 and How Does It Work?

J&K Pashupalan Loan Yojana 2026 is the collective term for all livestock loan and subsidy programmes operational in Jammu & Kashmir under four funding channels: the UT government’s Holistic Agriculture Development Programme (HADP) and legacy schemes like IDDS and ISDS; central government missions including NLM, AHIDF, and NPDD; scheduled commercial bank products such as Pashu KCC; and cooperative society routes via NCDC, NDDB, and JAKFED milk unions. Together, these channels allow a J&K farmer or entrepreneur to access subsidised capital from Rs.25,000 for a small goat unit up to Rs.2 crore or more for large dairy infrastructure.

The backbone of J&K’s livestock financing in 2026 is the Holistic Agriculture Development Programme (HADP) — a Rs.5,013-crore, 29-project initiative that integrates dairy development, sheep husbandry, poultry, fodder, and post-harvest infrastructure under one digital platform. By January 2026, HADP had established over 92,000 productive units across J&K, with digitally tracked units generating nearly Rs.350 crore in revenue and over Rs.125 crore in profit. Credit linkage is embedded in the KisanSathi portal, enabling banks to access applications digitally — a major shift from paper-based processes.

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The scheme works in a convergence model: a beneficiary applies via KisanSathi (or the relevant bank/central portal), the Head of Department verifies and forwards the case to the bank, the bank sanctions the loan, and the government releases the back-ended subsidy into the loan account after the first tranche disbursement. For non-credit cases under HADP, subsidy is released directly via DBT after verifying substantial project progress.

Who Should Apply for J&K Pashupalan Loan Yojana 2026?

• 🐄 Small and marginal farmers in J&K who already own 1–5 cattle and want to scale to a commercial dairy unit of 10–20 animals under IDDS.
• 🐑 Traditional shepherds and herders from Kashmir valley and highland areas seeking to formalise their sheep or goat operations under ISDS with a 50% subsidy.
• 👩‍🌾 Women in rural areas, particularly SHG members, who qualify for priority access under HADP-linked dairy and goat-rearing units.
• 🎓 Agriculture/veterinary graduates aged 18–35 from J&K looking to start an entrepreneurial livestock venture under NLM’s Entrepreneurship Development Programme.
• 🏦 Existing dairy cooperative society members affiliated with J&K milk unions who want working capital or infrastructure expansion support via NCDC/NDDB.
• 🏗️ Agri-entrepreneurs and MSMEs planning large dairy processing, feed manufacturing, or poultry parent farms requiring AHIDF loans up to 90% of project cost.
• 🌾 BPL households and SC/ST beneficiaries seeking priority allocation of participatory sheep/goat units (10 ewes/does provided free of cost under ISDS participatory mode).
• 🏘️ Farmer Producer Organisations (FPOs) and self-help groups in J&K seeking group dairy or cooperative livestock infrastructure under NPDD Component A.

J&K State Government Pashupalan Schemes 2026

The J&K UT government runs its livestock support primarily through the Department of Animal and Sheep Husbandry (jkash.nic.in), now strengthened under HADP. Three flagship state-level schemes are active in 2026.

1. HADP — Integrated Dairy Development Scheme (IDDS) 2026

The Integrated Dairy Development Scheme (IDDS) under HADP is the primary state-level dairy loan and subsidy programme. It supports establishment of dairy units ranging from 2 to 20 cows or buffaloes (in multiples of 2). The subsidy is 50% of the project cost, with a ceiling of Rs.1 lakh for every 2-animal unit, capped at a maximum of Rs.10 lakh for a 20-cow/buffalo unit. Under HADP’s dairy development project, J&K aims to increase average annual milk productivity from 2,380 litres to 4,300 litres per animal by 2027 through improved breeds and AI coverage. Applications are submitted online via the KisanSathi portal; credit-linked cases are forwarded digitally to J&K Bank or other participating banks.

2. Integrated Sheep Development Scheme (ISDS) 2026

The Integrated Sheep Development Scheme (ISDS), launched in 2020-21 by the J&K Sheep Husbandry Department, provides structured support for sheep and goat units. It operates in two modes: Participatory Mode — where 10 ewes/does (or 25 ewes/does) are provided free of cost and the department retrieves equivalent animals from female progeny from the third year — and Subsidy Mode — offering 50% subsidy with a ceiling of Rs.1 lakh per unit of 25 sheep/goats and a maximum total subsidy of Rs.8 lakh for 8 units. Since implementation, mutton production in J&K has increased by nearly 12 lakh kg. Applications go through the District Sheep Husbandry Officer (DSHO) in Annexure B format.

3. HADP Poultry Development Scheme 2026

For poultry, HADP provides a 30% capital subsidy up to Rs.30 lakh for broiler parent farm and hatchery units, complemented by NLM’s 50% subsidy (capped at Rs.25 lakh). A composite broiler parent farm with 3,000 parent stock has a total unit cost of Rs.110 lakh (Rs.100 lakh capital + Rs.10 lakh working capital), with HADP and NLM subsidies converging on capital costs. Applications are online via KisanSathi portal with a minimum 5 kanals of land required.

4. J&K Dairy Cooperative Society Scheme (NCDC-backed)

The J&K UT government — in partnership with the National Cooperative Development Corporation (NCDC) — has implemented a dedicated dairy cooperative scheme. Under this, the government provides 50% of the loan and 20% of share capital to beneficiary cooperative societies, along with a 25% subsidy. The owner’s (cooperative’s) own contribution is just 5% of project cost. The scheme facilitates integrated dairy projects with mobile veterinary care and AI services. An apex monitoring committee headed by the Registrar of Cooperative Societies oversees implementation.

Central Government Livestock Loan Schemes 2026 for J&K

J&K farmers can access four major central government schemes for pashupalan finance. These schemes are implemented by the Department of Animal Husbandry and Dairying (DAHD), Government of India (dahd.gov.in), and are available to J&K residents on the same terms as the rest of India.

1. National Livestock Mission — Entrepreneurship Development Programme (NLM-EDP)

NLM-EDP offers a 50% capital subsidy for establishing poultry, goat, sheep, and pig farming units. For goat/sheep breed multiplication farms of 500 ewes/does + 25 rams/bucks (estimated cost Rs.25 lakh), the subsidy is 33.33% (back-ended) with beneficiary margin of 25%. For individual goat/sheep rearing units (up to Rs.1 lakh project cost), subsidy is 33.33% with 10% margin money. Applications are submitted online at nlm.udyamimitra.in. Priority is given to women, SC/ST, traditional shepherds, SHGs, and NGOs.

2. Animal Husbandry Infrastructure Development Fund (AHIDF)

AHIDF is a central sector scheme under PM Atmanirbhar Bharat with a total fund allocation of Rs.29,110.25 crore (till March 2026). Under AHIDF, eligible entities can get a bank loan covering up to 90% of estimated/actual project cost, with a 3% interest subvention per annum for 8 years. The effective interest rate works out to approximately 4–6% p.a. AHIDF covers dairy processing plants, feed manufacturing units, animal waste management, breed multiplication farms, and veterinary vaccine/medicine production. Apply at ahidf.udyamimitra.in. Eligible borrowers include farmers, FPOs, MSMEs, dairy cooperatives, and private companies.

3. NABARD Dairy Entrepreneurship Development Scheme (DEDS)

DEDS (now rebranded under NABARD’s refinance portfolio) provides 25% back-ended capital subsidy (33.33% for SC/ST farmers) on dairy units. Maximum permissible subsidy is Rs.25,000 per 2-animal unit (Rs.33,300 for SC/ST) under the basic milk animal scheme, with higher caps for larger units. The subsidy is held in a “Subsidy Reserve Fund Account” at the financing bank and adjusted against the last few loan installments — meaning the farmer repays only the net loan (excluding subsidy). Interest is charged only on the net bank loan component. Eligible banks: commercial banks, RRBs, state cooperative banks, and NABARD-refinanced institutions including J&K Bank and J&K Grameen Bank.

4. National Programme for Dairy Development (NPDD)

NPDD has two components. Component A targets creation and strengthening of milk procurement, chilling, processing, and marketing infrastructure for dairy cooperatives, milk unions, FPOs, and SHG federations. Component B focuses on large milk processing facility expansion at 1.5% subsidised interest rate via JICA-funded NABARD loans. The scheme has approved 191 projects in 28 states and 2 UTs with a total cost of Rs.3,053 crore. J&K Milk Federation (JAKFED) and district milk unions can access NPDD funding for cold chain expansion and milk ATM establishment.

Bank Loan Schemes for Pashupalan in J&K 2026

J&K farmers can access pashupalan-specific bank products from J&K Bank, J&K Grameen Bank, SBI, PNB, Bank of Baroda, and other scheduled commercial banks operating in the UT.

Pashu Kisan Credit Card (Pashu KCC) — Working Capital for Livestock

The Pashu Kisan Credit Card scheme provides working capital for animal husbandry and fisheries activities. The rate of interest is 7% p.a. (fixed) up to Rs.2 lakh per farmer (or up to Rs.3 lakh in aggregate for existing KCC-Crop loan holders), subject to the Government of India providing 2% p.a. interest subvention to the bank. The effective rate for the farmer is therefore 5% p.a. (post-subvention). Covered activities include dairy cattle, small ruminants (sheep/goat), poultry, and aquaculture. J&K Bank offers this product directly — visit jkb.bank.in for the application. Loan amount is need-based, assessed on the scale of finance declared by the State Level Bankers’ Committee (SLBC).

J&K Bank HADP Dairy Term Loan

J&K Bank has a dedicated HADP loan product that finances up to 90% of the project cost across all 29 HADP projects including dairy, sheep, poultry, and fodder. The borrower’s margin (own contribution) is the balance 10%. Subsidy under HADP is back-ended and released by the government after the first loan tranche disbursement. The bank forwards applications digitally via the KisanSathi platform, eliminating the need for offline credit applications under HADP. Security norms and interest rates follow the bank’s standard agriculture lending policy as per RBI guidelines.

SBI / PNB / Bank of Baroda — Standard Dairy and Livestock Loans

SBI Kisan Credit Card, PNB Krishak Sathi, and Bank of Baroda’s agriculture loan portfolio are available to J&K farmers for pashupalan. These banks are NABARD-refinanced and can channel DEDS/NLM subsidies. Interest rates on term loans for dairy vary from 8.5% to 10.5% p.a. depending on the bank, loan tenure, and CIBIL score. Maximum tenure for dairy term loans is typically 7 years including a 6-month moratorium. Applicants in J&K should approach the nearest branch with a project report endorsed by the District AH office.

Cooperative Society Schemes for Pashupalan in J&K 2026

J&K has an active dairy cooperative network anchored by JAKFED (J&K Cooperative Milk Producers’ Federation) and its affiliated district milk unions. Cooperative members receive priority access to subsidised credit and technical support.

• NCDC Dairy Cooperative Scheme: Government provides 50% loan + 20% share capital + 25% subsidy; cooperative contributes only 5%. Implemented through Registrar of Cooperative Societies, J&K.
• NDDB Working Capital Loan: NDDB provides working capital to dairy cooperatives (milk unions/federations) when capital is locked in inventory. Maximum loan available; interest-bearing as per NDDB’s floating rate.
• NDDB Infrastructure Loan (IBL): Up to 80% of project cost as an interest-bearing loan from NDDB for modernisation or expansion of milk processing infrastructure, with minimum 20% borrower contribution.
• PACS / Village-Level Dairy Societies: Primary Agricultural Credit Societies (PACS) in J&K can provide short-term feed and input loans to members at below-commercial rates, refinanced via state cooperative banks under NABARD’s guidelines.

Subsidy, Loan Amount & Income Potential — J&K Pashupalan 2026

Income Potential: A 10-cow HF/Jersey dairy unit in J&K can generate approximately Rs.12,000–18,000/month in gross milk revenue at prevailing J&K milk procurement rates. A 25-sheep unit under ISDS can yield Rs.4,000–8,000/month from wool and meat after the third year. A poultry broiler unit can generate Rs.20,000–40,000/month per cycle depending on scale.

Eligibility Criteria for J&K Pashupalan Loan Yojana 2026

• Residency: Must be a permanent resident of Jammu & Kashmir (Domicile Certificate required)
• Age: 18 years and above (no upper age cap under IDDS/ISDS; NLM has no formal age ceiling either)
• Land: Minimum 5 kanals (for dairy/poultry units under HADP) — own, leased, or in the name of parents/spouse
• Credit History: Must not be a bank defaulter; CIBIL/credit bureau clearance required for loan-linked schemes
• Livestock Experience: Experience in sheep/goat farming is preferred for ISDS breeding farm units; for dairy, a veterinary department-endorsed project report suffices
• Cooperative Membership: For NCDC cooperative scheme, must be a registered cooperative society with valid Registrar of Cooperative Societies enrollment
• Category Priority: SC/ST, women, BPL, traditional shepherds, and SHG members receive priority allocation under ISDS participatory mode and NLM
• KYC Documents: Aadhaar card, PAN card, bank account in own name — mandatory for all schemes

Application Fee Table — J&K Pashupalan Loan Yojana 2026

How to Apply for J&K Pashupalan Loan Yojana 2026 — Step-by-Step

1. Choose your scheme: Decide whether you want IDDS (dairy), ISDS (sheep/goat), NLM (poultry/goat), or AHIDF (infrastructure) based on your livestock type, land, and investment capacity. Review the comparison table in this guide.
2. Prepare a Detailed Project Report (DPR): For HADP/IDDS, contact your District Animal Husbandry Officer (DAHO) or visit the nearest Kisaan Khidmat Ghar to get the DPR format. For NLM and AHIDF, use the format available on udyamimitra.in.
3. Collect required documents: Assemble Aadhaar card, Domicile certificate, land ownership/lease deed (min. 5 kanals for HADP), bank passbook, two passport photographs, and the Undertaking Document available on KisanSathi portal.
4. Apply online on KisanSathi portal (kisansathi.com): For HADP-linked credit cases, register on KisanSathi, fill the livestock scheme application, upload documents, and submit. The Head of Department forwards your case digitally to J&K Bank or your chosen participating bank. No offline credit-linked case under HADP is accepted.
5. Bank verification and loan sanction: The bank verifies your application, conducts a field visit, assesses the project, and sanctions the loan. For HADP term loans, J&K Bank finances up to 90% of project cost. Loan processing typically takes 15–30 days from complete document submission.
6. First tranche disbursement and project setup: Once the bank disburses the first tranche, you establish the livestock unit (purchase animals, construct shed). The DAHO/bank conducts a field verification to confirm substantial progress.
7. Subsidy release: After field verification, the bank requests the Head of Department to release the government subsidy in favour of the borrower. The subsidy is credited to the loan account and adjusted against the last few installments, reducing your effective repayment burden.
8. For NLM/AHIDF: Apply directly at udyamimitra.in (NLM) or ahidf.udyamimitra.in (AHIDF). These portals connect applicants directly with SIDBI-empanelled banks. For ISDS (sheep/goat), submit Annexure B application at the District Sheep Husbandry Officer (DSHO) office or applicable state portal.

J&K Pashupalan Loan 2026 — State vs Central vs Bank vs Cooperative

Advantages and Disadvantages of J&K Pashupalan Loan Yojana 2026

✅ Advantages

• Highest subsidy in the region: 50% state subsidy under IDDS (Rs.10 lakh ceiling) rivals the best livestock subsidy programmes in India.
• Digital application: KisanSathi portal enables fully online application and bank credit routing — no need to visit multiple offices.
• Convergence financing: HADP subsidies stack with central schemes (NLM, AHIDF), allowing a farmer to combine multiple funding sources for the same project.
• Free livestock for priority groups: ISDS participatory mode provides 10–25 ewes/does completely free to BPL, women, and SC/ST applicants.
• J&K Bank 90% loan coverage: The bank covers up to 90% of HADP project costs, leaving only 10% own contribution — one of the lowest margins in Indian agriculture lending.
• 92,000+ successful units: HADP’s track record — Rs.350 crore revenue generated, Rs.125 crore profit, 1.9 crore person-days employment — demonstrates the scheme actually works on the ground.

⚠️ Disadvantages

• Back-ended subsidy structure: Under HADP and DEDS, the subsidy is released after the project is established — not upfront. Farmers must arrange full margin money first.
• Land requirement: Minimum 5 kanals (0.3 acre) of land is mandatory for HADP units — a constraint for landless or small-plot households in urban/peri-urban J&K.
• ISDS retrieval clause: Under the participatory mode, the department retrieves animals from the third year for 5 years — the farmer does not retain full permanent ownership of the initial free livestock.
• Budget exhaustion risk: Annual HADP and ISDS seat allocations are finite per district. Late applicants (October onwards) may find the year’s quota exhausted.

Important Terms Related to J&K Pashupalan Loan Yojana 2026

• HADP (Holistic Agriculture Development Programme): J&K’s Rs.5,013-crore flagship programme with 29 interlinked projects covering dairy, sheep, poultry, horticulture, and allied sectors. The primary vehicle for all livestock subsidies in J&K as of 2026.
• IDDS (Integrated Dairy Development Scheme): State-level dairy loan scheme under HADP offering 50% subsidy up to Rs.10 lakh for 2–20 cow/buffalo units. Applied via KisanSathi portal.
• ISDS (Integrated Sheep Development Scheme): J&K scheme offering free livestock (participatory mode) or 50% subsidy (subsidy mode) for sheep and goat farming. Managed by Sheep Husbandry Dept.
• KisanSathi Portal (kisansathi.com): J&K’s digital platform for HADP applications. All credit-linked HADP cases must be submitted here — no offline submission accepted. Enables banks to access and process applications digitally.
• NLM (National Livestock Mission): Central government scheme by DAHD offering 33%–50% capital subsidy for poultry, goat, sheep, and pig units. Apply at nlm.udyamimitra.in. Converges with HADP for J&K applicants.
• AHIDF (Animal Husbandry Infrastructure Development Fund): Central sector scheme with Rs.29,110.25 crore corpus offering 90% bank loan and 3% interest subvention for 8 years on dairy/feed/vet medicine infrastructure. Apply at ahidf.udyamimitra.in.
• NABARD DEDS (Dairy Entrepreneurship Development Scheme): 25% (33.33% SC/ST) back-ended capital subsidy on dairy animal units, channelled through NABARD-refinanced banks including J&K Bank and J&K Grameen Bank.
• Pashu KCC (Pashu Kisan Credit Card): Working capital credit for livestock farmers at 7% p.a. (5% effective with GoI’s 2% subvention) up to Rs.2 lakh per farmer. Available at J&K Bank, SBI, and all scheduled banks.
• NCDC (National Cooperative Development Corporation): Central body that funds dairy cooperative societies through the J&K-specific cooperative dairy scheme — 50% loan + 25% subsidy + 20% share capital with only 5% owner contribution.
• DBT (Direct Benefit Transfer): Mode of subsidy disbursement for non-credit-linked HADP cases, where subsidy is transferred directly to the beneficiary’s Aadhaar-linked bank account after project verification.

Important Dates & Application Timeline — J&K Pashupalan Loan Yojana 2026

Important Links — J&K Pashupalan Loan Yojana 2026

Conclusion — J&K Pashupalan Loan Yojana 2026

The J&K Pashupalan Loan Yojana 2026 is one of the most comprehensive livestock financing ecosystems in India, combining a generous 50% state subsidy under HADP/IDDS (up to Rs.10 lakh), free animals under ISDS participatory mode, 50% central subsidy via NLM, 90% loan cover under AHIDF, and cooperative society funding with only 5% own contribution. The shift to digital applications on KisanSathi and Udyamimitra has eliminated the earlier paperwork bottleneck. For J&K farmers and entrepreneurs, 2026 is an optimal year to apply — HADP’s Rs.5,013-crore programme is in its prime implementation phase with 92,000+ units already live and the subsidy pipeline well-funded. Apply on KisanSathi portal before September 30, 2026, to secure your place in this year’s allocation cycle.

Frequently Asked Questions About J&K Pashupalan Loan Yojana 2026

What is J&K Pashupalan Loan Yojana 2026?

J&K Pashupalan Loan Yojana 2026 is the collective term for all livestock loan and subsidy schemes available to Jammu & Kashmir residents in 2026. It includes the state government’s HADP-linked Integrated Dairy Development Scheme (50% subsidy, Rs.10 lakh ceiling), the Integrated Sheep Development Scheme (50% subsidy or free livestock), central government schemes like NLM (50% capital subsidy) and AHIDF (90% loan + 3% interest subvention), Pashu KCC bank products (7% p.a. working capital), and cooperative society schemes through NCDC and NDDB.

How much subsidy can I get under J&K Pashupalan Loan Yojana 2026?

Under the state IDDS (HADP), you can get a 50% subsidy with a ceiling of Rs.1 lakh per 2-animal unit — maximum Rs.10 lakh for a 20-cow/buffalo unit. Under ISDS, the subsidy is 50% (ceiling Rs.1 lakh per 25-sheep unit; maximum Rs.8 lakh for 8 units). Under the central NLM scheme, subsidy ranges from 33.33% to 50% depending on the livestock type (maximum Rs.50 lakh for large poultry units). AHIDF provides 3% interest subvention per year for 8 years instead of a capital subsidy. These schemes can be stacked for maximum benefit.

Where do I apply for J&K Pashupalan Loan Yojana 2026 online?

For HADP-linked schemes (including IDDS dairy and HADP poultry), apply online at kisansathi.com — no offline application is accepted for credit-linked HADP cases. For the central NLM scheme, apply at nlm.udyamimitra.in. For AHIDF, apply at ahidf.udyamimitra.in. For ISDS (sheep/goat), submit Annexure B at your District Sheep Husbandry Officer (DSHO) office. For Pashu KCC, visit any J&K Bank, SBI, or PNB branch in J&K.

What is the HADP programme in J&K and how does it help pashupalan?

HADP (Holistic Agriculture Development Programme) is J&K’s Rs.5,013-crore flagship agricultural programme with 29 interlinked projects. For pashupalan, HADP includes the Integrated Dairy Development Scheme (50% dairy subsidy), poultry development (30% subsidy), and fodder development — all integrated on the KisanSathi portal. By January 2026, HADP had established over 92,000 units across J&K, generating Rs.350 crore in revenue and employing 1.9 crore person-days. J&K Bank finances HADP projects at up to 90% of project cost.

Is J&K Pashupalan Loan available for sheep and goat farming?

Yes. The Integrated Sheep Development Scheme (ISDS) specifically covers sheep and goat farming in J&K. Under participatory mode, 10 ewes/does (or 25 ewes/does) are provided free of cost to eligible BPL, women, and SC/ST farmers — with the department retrieving equivalent animals from progeny starting from the third year. Under subsidy mode, a 50% subsidy (ceiling Rs.1 lakh per 25-animal unit) is available. Additionally, the central NLM scheme provides 33.33% subsidy for goat/sheep rearing and breeding units, with applications at nlm.udyamimitra.in.

What documents are required to apply for J&K Pashupalan Loan Yojana 2026?

Required documents for most J&K pashupalan schemes include: Aadhaar card, Domicile Certificate (J&K permanent residency proof), PAN card, land ownership or lease deed (minimum 5 kanals for HADP), bank passbook (account in applicant’s name), two recent passport photographs, project/DPR in the format specified by the scheme, and the Undertaking Document available on KisanSathi portal. For SC/ST and BPL priority categories, the relevant caste/income certificate is also required.

Can I combine HADP and NLM subsidies for the same dairy farm in J&K?

Yes, convergence of multiple scheme subsidies on the same project is explicitly allowed under J&K’s HADP guidelines, provided there is no duplication of activities. A J&K farmer establishing a poultry parent farm can receive HADP’s 30% capital subsidy (Rs.30 lakh ceiling) and NLM’s 50% capital subsidy (Rs.25 lakh ceiling) on the same project’s capital costs. Similarly, dairy entrepreneurs can stack IDDS (state subsidy) with AHIDF (interest subvention) for maximum financial benefit. Your DAHO or J&K Bank HADP relationship manager can help structure the optimal combination.

What is the Pashu KCC scheme and how much loan can I get in J&K?

The Pashu Kisan Credit Card (Pashu KCC) provides working capital credit to J&K livestock farmers at 7% p.a. (fixed) up to Rs.2 lakh per farmer (or up to Rs.3 lakh in aggregate for existing KCC-Crop loan holders). The Government of India provides 2% p.a. interest subvention to the bank, making the effective rate for the farmer just 5% p.a. The scheme covers dairy cattle, sheep, goat, poultry, and aquaculture. Apply at J&K Bank branches or any scheduled commercial bank in J&K. The loan is need-based, assessed on the scale of finance declared by J&K’s SLBC.

Who should contact in J&K for pashupalan loan assistance?

For HADP/IDDS dairy loans, contact your District Animal Husbandry Officer (DAHO) or the nearest Kisaan Khidmat Ghar in your district. For ISDS sheep/goat, contact your District Sheep Husbandry Officer (DSHO). For bank loan questions including J&K Bank’s HADP term loan and Pashu KCC, visit the nearest J&K Bank agriculture branch. For central scheme queries (NLM, AHIDF), visit the DAHD website (dahd.gov.in) or call the NABARD J&K Regional Office in Jammu/Srinagar. You can also visit any SLBC J&K member bank for guidance on scheme eligibility and document requirements.

🕒 Last Updated: October 2026. This guide is reviewed and updated regularly for accuracy. Scheme details, subsidy rates, and application deadlines are subject to annual government notifications. Bookmark this page and check the official portals (kisansathi.com | hadp.in | jkash.nic.in | dahd.gov.in) for the latest updates before applying.

Disclaimer: This article is for informational purposes only. Subsidy percentages, loan amounts, and eligibility criteria are sourced from official government portals and may be revised by the J&K UT government or Government of India. Always verify current scheme terms at the official portals or your nearest District Animal Husbandry/Sheep Husbandry office before submitting an application. Agrijob.in is not a financial advisor and this guide does not constitute financial or legal advice.

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