Rajasthan Pashupalan Loan Yojana 2026 – 50% Subsidy, Apply Online Now

Rajasthan Pashupalan Loan Yojana 2026 covers nine active schemes — state government, central government, bank, and cooperative society — that together let farmers borrow from Rs.40,000 to Rs.2 crore for dairy, goat, poultry, and all livestock activities. Livestock contributes 8–9% of Rajasthan’s GDP, and over 5 lakh cattle-owner families are being targeted under the flagship Gopal Credit Card Yojana alone. If you are a farmer, rural youth, or woman self-help group in Rajasthan looking for a pashupalan loan in 2026, this complete guide covers every scheme, subsidy, eligibility rule, and step-by-step application process in one place.

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What Is Rajasthan Pashupalan Loan Yojana 2026?

Rajasthan Pashupalan Loan Yojana 2026 is the collective term for all active livestock and dairy loan schemes available to farmers, self-help groups, cooperatives, and entrepreneurs in Rajasthan. It is not a single scheme — it is a three-tier financing structure that combines state government credit cards, central government subsidy missions, NABARD back-ended grants, bank term loans, and cooperative society short-term credit into one comprehensive support system.

Rajasthan has one of India’s largest livestock populations. The state’s Animal Husbandry Department (Pashupalan Vibhag), headquartered at Pashudhan Bhavan, Tonk Road, Jaipur, administers state schemes. Central schemes are routed through the Department of Animal Husbandry and Dairying (DAHD), Ministry of Fisheries, Animal Husbandry and Dairying, Government of India. NABARD acts as the refinancing agency for dairy loans to all nationalised banks operating in the state.

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In 2024–25, the Rajasthan Budget allocated Rs.250 crore to the Animal Husbandry Development Fund specifically for breed development and female cattle support. The Rajasthan Cooperative Gopal Credit Card Loan Yojana portal was launched on 28 August 2024, giving 5 lakh cattle-owner families access to interest-free credit through e-Mitra and cooperative society centres.

Who Should Apply for Rajasthan Pashupalan Loan 2026?

• 🐄 Small and marginal dairy farmers with 2–10 cows or buffaloes who want to expand milk production and earn Rs.15,000–Rs.40,000 per month from dairy income.
• 🐐 Goat and sheep farmers in arid and semi-arid districts (Barmer, Jaisalmer, Bikaner, Jodhpur) seeking working capital for animal feed, shed, and medicines.
• 👩 Rural women and women SHG members — state and NABARD schemes give SC/ST women 33% subsidy; Gopal Credit Card requires cooperative membership, which women groups can obtain collectively.
• 🎓 Agriculture and veterinary graduates (aged 18–35) seeking self-employment through dairy entrepreneurship under NLM or AHIDF.
• 🏡 Landless rural laborers with livestock experience who want to set up a small goat or poultry unit using Pashu Kisan Credit Card (no collateral up to Rs.1.60 lakh).
• 🏦 Farmers already registered with milk producer cooperative societies (RCDF/Saras) who want to upgrade their dairy shed and equipment under the Gopal Credit Card Yojana.
• 🏭 Agri-entrepreneurs and FPOs planning large dairy processing or feed plant units of Rs.50 lakh to Rs.2 crore under AHIDF with 3% interest subvention.
• 🧑‍🌾 SC/ST farmers who get the highest subsidy tier — 33.33% under NABARD DEDS and 50% under Rashtriya Gokul Mission for indigenous breed farms.

State Government Schemes — Gopal Credit Card & Mangla Pashu Bima 2026

The Rajasthan state government runs two complementary pashupalan schemes in 2026: the Rajasthan Sahakari Gopal Credit Card Loan Yojana for credit support and the Mukhyamantri Mangla Pashu Bima Yojana for livestock insurance. Together, these de-risk the entire dairy and cattle-farming value chain for over 5 lakh families.

A. Rajasthan Sahakari Gopal Credit Card Loan Yojana

The Gopal Credit Card Yojana provides interest-free short-term loans up to Rs.1 lakh for a period of one year to cattle and dairy owners residing in rural Rajasthan. Rajsahakar (the Rajasthan Cooperative Department) is the nodal agency. The scheme portal was officially launched on 28 August 2024 under Cooperation Minister Gautam Kumar Dak. Loans are disbursed through Central Cooperative Banks in collaboration with RCDF milk unions. The loan must be repaid within one year — if repaid on time, no interest is charged. If the farmer fails to renew or repay, interest at the applicable cooperative bank rate is recovered.

What can the Gopal Credit Card loan amount be used for?

• Purchase of feed (chara-banta), silage, and green fodder supplements
• Medicines and veterinary treatment expenses
• Construction of cattle sheds (tin shed / kheli ka nirman)
• Purchase of dairy equipment — milk cans, coolers, milking equipment
• Purchase of additional milch animals (cows or buffaloes)

B. Mukhyamantri Mangla Pashu Bima Yojana 2026

Formerly known as Mukhyamantri Kamdhenu Pashu Bima Yojana (which provided Rs.40,000 insurance cover for two milch cows), the scheme was renamed and restructured as Mukhyamantri Mangla Pashu Bima Yojana by the current Bhajan Lal Sharma government. It provides free one-year livestock insurance for all registered cattle owned by eligible farmers across Rajasthan. The scheme is funded from the state budget and administered by the Animal Husbandry Department (email: it.ah@rajasthan.gov.in). Farmers register online through the official portal and receive insurance compensation within 21 working days if an animal dies, via Direct Benefit Transfer (DBT) to their bank account.

C. Rajasthan Animal Husbandry Development Fund

The Rajasthan Budget 2024–25 created a dedicated Rs.250 crore Animal Husbandry Development Fund for breed development and support to female cattle (gau-vansh). Additionally, the state provides Rs.30,000 annually to small and marginal farmers continuing traditional bullock-based farming under the CM Kisan Samman Nidhi Yojana top-up provision (as confirmed during the Sahkar Membership Campaign, October 2025).

Central Government Schemes for Rajasthan Pashupalan 2026

The central government runs four major schemes that directly benefit Rajasthan pashupalan farmers in 2026. These are administered by DAHD, Ministry of Fisheries, Animal Husbandry and Dairying, Government of India, and refinanced through NABARD and SIDBI.

1. Rashtriya Gokul Mission (RGM) — 50% Subsidy

Rashtriya Gokul Mission was launched in December 2014 for development and conservation of indigenous bovine breeds (including Gir, Rathi, Tharparkar — all prominent Rajasthan breeds). The scheme is continued under Rashtriya Pashudhan Vikas Yojana from 2021–22 to 2025–26 with a national budget of Rs.2,400 crore. Rajasthan has received cumulative funds of Rs.6,745.99 lakh since inception. Under RGM, a 50% capital subsidy is available for breeding farms, silage-making units, and indigenous cattle development centres. Rajasthan Cooperative Dairy Federation (RCDF) received Rs.250 lakh under RGM for cooperative dairy infrastructure.

2. Animal Husbandry Infrastructure Development Fund (AHIDF)

AHIDF was announced under the Prime Minister’s Atmanirbhar Bharat Abhiyan with a total corpus of Rs.15,000 crore. As of 2026, over Rs.10,320 crore has been sanctioned nationally. Under AHIDF, eligible borrowers get a bank loan covering up to 90% of project cost, with a 3% annual interest subvention by the Government of India for up to 8 years (including a 2-year moratorium). The minimum beneficiary contribution is 10%. Eligible borrowers in Rajasthan include individual entrepreneurs, FPOs, private companies, MSMEs, and Section 8 companies setting up dairy processing units, feed plants, or value-addition facilities.

3. PM Pashu Kisan Credit Card (PKCC)

The Pashu Kisan Credit Card scheme was extended to animal husbandry farmers across India in 2019. Under PKCC, livestock owners in Rajasthan can get a revolving credit limit of up to Rs.3 lakh. The effective interest rate after government subvention for prompt repayment is 4% per annum (standard bank rate is 7%). Per-animal loan limits are: Rs.40,783 per cow, Rs.60,249 per buffalo, Rs.4,063 per goat or sheep, and Rs.720 per poultry bird (egg-laying type). No collateral is required for loans up to Rs.1.60 lakh. The repayment period is 5 years with loans disbursed in 6 equal instalments.

4. National Livestock Mission — Entrepreneurship Development & Employment Generation (NLM-EDEG)

Under the NLM-EDEG component, individual entrepreneurs and SHGs can get a 50% capital subsidy directly to their bank account (up to Rs.30 lakh for poultry, Rs.25 lakh for goat/sheep farming units) through SIDBI. The subsidy is disbursed in two equal instalments. Applicants must have own or leased land where the project will be established. Loans are sanctioned by participating scheduled banks or NABARD-refinanced institutions.

NABARD Dairy Loan Schemes for Rajasthan 2026

NABARD (National Bank for Agriculture and Rural Development) acts as the primary refinancing and subsidy-channeling agency for pashupalan loans across all nationalised and cooperative banks in Rajasthan. NABARD’s Rajasthan Regional Office in Jaipur coordinates with state government agencies, cooperative banks (RCDF, Apex Bank), and commercial banks for scheme implementation.

NABARD Dairy Entrepreneurship Development Scheme (DEDS)

Originally launched on 1 September 2010, DEDS has been merged into the broader NABARD dairy financing framework. It continues to operate as a back-ended capital subsidy scheme. Back-ended means the subsidy is credited to your loan account after you start repaying — it is held in a Term Deposit Receipt (TDR) with the bank and adjusted against the outstanding principal. Under DEDS/NABARD framework operating in Rajasthan in 2026:

Source: NABARD State Level Paper on Government Sponsored Programmes, Rajasthan State; DAHD official scheme booklet (dahd.gov.in)

Bank Loan Options for Rajasthan Pashupalan 2026 — SBI, PNB, BoB & RRBs

All major public sector banks, private banks, and Regional Rural Banks (RRBs) operating in Rajasthan offer dairy and livestock loans under allied activities financing. Interest rates are linked to each bank’s MCLR (Marginal Cost of Funds-Based Lending Rate) or RBI’s External Benchmark Rate (EBR), so no fixed rate applies universally — confirm the current rate at your nearest branch before applying.

Note: Interest rates quoted are indicative as of Q3 2026 and are subject to change with RBI policy rate revisions. Always confirm the current rate at your branch. Source: SBI official scheme page (sbi.co.in); agrijob.in dairy loan comparison.

Cooperative Society Schemes — Rajsahakar, RCDF & Apex Bank

The cooperative channel is the most accessible pashupalan loan pathway for small dairy farmers in Rajasthan. The state’s three-tier cooperative credit structure — Primary Milk Producer Cooperative Societies (village level) → District Central Cooperative Banks (DCCBs) → Rajasthan Apex Cooperative Bank — delivers both short-term credit (Gopal Credit Card) and working capital for dairy cooperatives affiliated with RCDF (Rajasthan Cooperative Dairy Federation / Saras Dairy).

• Gopal Credit Card via Cooperative Banks: Up to Rs.1 lakh, interest-free for 1 year. Apply through village service cooperative society or e-Mitra centre. Mandatory: membership of Primary Milk Producer Cooperative Society.
• Raj Sahakar Vyaktigat Durghatana Bima Yojana: Farmers with crop loan through cooperative banks get Rs.5 lakh accidental insurance at only Rs.27 annual premium (Central Cooperative Bank contributes Rs.13.50 and Rajasthan State Cooperative Bank contributes Rs.13.50). Over 18 lakh farmers enrolled as of November 2025.
• Interest-Free Cooperative Crop Loans: Over 7.7 million farmers have received interest-free crop loans worth Rs.42,765 crore through Rajasthan’s cooperative network. Pashupalan farmers with crop-loan membership can use this channel for linked livestock credit.
• RCDF / Saras Dairy Working Capital: Dairy cooperatives and milk producer companies affiliated with RCDF can access 5% interest working capital loans under the Support to Dairy Cooperatives and Farmer Producer Organizations (SDC&FPO) component of DIDF (Dairy Infrastructure Development Fund), with additional 2% interest subvention for prompt repayment.

Subsidy & Loan Comparison Table — All Rajasthan Pashupalan Schemes 2026

Eligibility Criteria — Rajasthan Pashupalan Loan Yojana 2026 (All Categories)

• ✅ Applicant must be a permanent resident of Rajasthan (domicile certificate required for state schemes)
• ✅ Minimum age: 18 years | Maximum age: 70 years (for bank loans)
• ✅ Must be engaged in or planning to engage in livestock / dairy / poultry / goat farming activities
• ✅ For Gopal Credit Card: mandatory membership in a Primary Milk Producer Cooperative Society affiliated with RCDF
• ✅ For AHIDF / NLM: must have own or leased land where the project will be established
• ✅ For NABARD-backed bank loans: valid KYC (Aadhaar, PAN), active bank account, satisfactory credit history
• ✅ SC/ST and women applicants get higher subsidy tiers — caste certificate / gender proof required
• ✅ For Pashu KCC: individual or joint borrower; existing livestock ownership or intent to purchase
• ✅ For AHIDF (large projects): minimum 10% own margin money contribution; bank-appraised project report (DPR)

Application Fee Structure

How to Apply for Rajasthan Pashupalan Loan Yojana 2026 — Step-by-Step

1. Identify your scheme — Use the comparison table above. Small working capital need → Gopal Credit Card. New dairy unit with capital investment → NABARD/AHIDF. Existing livestock, need KCC → Pashu KCC from your nearest bank.
2. Check cooperative membership (for Gopal Credit Card) — Visit your village service cooperative society or Primary Milk Producer Cooperative Society. If not a member, enrol first. The Sahkar Membership Campaign (Oct 2025) targets 10% expansion of cooperative societies in Rajasthan — membership is open year-round.
3. Prepare documents — Aadhaar card, PAN card, Rajasthan domicile/residence proof, bank passbook copy, passport-size photograph, mobile number. For bank loans: land documents / lease agreement, livestock details, project report (DPR) for amounts above Rs.2 lakh. For SC/ST/Women: caste certificate / gender certificate for enhanced subsidy.
4. Apply online (Gopal Credit Card) — Visit the Rajasthan Cooperative Department portal or go to the nearest e-Mitra centre. Fill the Gopal Credit Card application form with your cooperative society membership details. The cooperative society issues a recommendation slip that is submitted to the Central Cooperative Bank.
5. Apply at bank branch (NABARD / Pashu KCC / AHIDF) — Visit your nearest SBI, BoB, PNB, Canara Bank, or RRB branch. Submit the Pashu KCC application form (PKCC form) along with livestock details and KYC documents. For NABARD subsidy, the bank will forward your case to the NABARD regional office after first disbursement for subsidy release.
6. Register livestock for insurance — Simultaneously register all milch animals under Mukhyamantri Mangla Pashu Bima Yojana on the official portal. This protects your investment from day one.
7. Bank appraisal and sanction — For loans above Rs.2 lakh, the bank conducts a site visit and appraises your DPR. Approval timeline: 2–4 weeks for standard cases. AHIDF projects may take 4–8 weeks.
8. Disbursement and subsidy linkage — Upon loan disbursement, inform NABARD (for DEDS/RGM subsidy) through the bank. The back-ended subsidy is credited to a TDR held with the bank, reducing your outstanding principal progressively.

Pros and Cons of Rajasthan Pashupalan Loan Yojana 2026

Advantages

• ✅ Zero interest short-term credit under Gopal Credit Card — farmers pay back only the principal if loan is repaid within one year.
• ✅ Multi-scheme stack — farmers can simultaneously use Gopal Credit Card (working capital) + Pashu KCC (term credit) + Mangla Bima (insurance) without conflict.
• ✅ Higher subsidy for SC/ST and women — 33.33% vs 25% under NABARD schemes ensures the most vulnerable get maximum support.
• ✅ Collateral-free credit up to Rs.1.60 lakh under Pashu KCC removes the biggest barrier for landless farmers.
• ✅ Free livestock insurance under Mangla Pashu Bima protects against animal death risk.
• ✅ AHIDF 3% subvention over 8 years makes large dairy processing projects highly viable for agri-entrepreneurs.

Disadvantages

• ❌ Gopal Credit Card requires cooperative membership — non-members must enrol first, which takes additional time and documentation.
• ❌ NABARD subsidy is back-ended — you pay full EMI initially; the subsidy relief comes gradually, creating cash-flow pressure in early months.
• ❌ Bank loan interest rates are MCLR-linked — rates can rise if RBI increases policy rates, making EMI unpredictable over longer tenures.
• ❌ AHIDF is targeted at larger projects — individual small farmers with projects under Rs.50 lakh find the DPR requirement and appraisal process cumbersome.

Important Terms Related to Rajasthan Pashupalan Loan Yojana 2026

• Gopal Credit Card (GCC): Rajasthan’s cooperative short-term livestock credit card — interest-free loan up to Rs.1 lakh for one year through Central Cooperative Banks. The state’s equivalent of the national Pashu Kisan Credit Card.
• PKCC (Pashu Kisan Credit Card): National livestock credit card scheme providing revolving credit up to Rs.3 lakh at effective 4% interest for all dairy/livestock farmers. Disbursed in 6 equal instalments by scheduled banks.
• Back-Ended Subsidy: A capital subsidy released by NABARD to the bank as a TDR (Term Deposit Receipt) that is set off against your loan principal — you don’t receive cash but your outstanding loan decreases over time.
• AHIDF (Animal Husbandry Infrastructure Development Fund): Rs.15,000 crore central corpus providing 90% bank loan financing + 3% interest subvention for 8 years for dairy processing, feed plants, and value-addition infrastructure.
• RGM (Rashtriya Gokul Mission): Central scheme (Rs.2,400 crore, 2021–26) providing 50% subsidy for development and conservation of indigenous bovine breeds like Gir, Rathi, Tharparkar native to Rajasthan.
• RCDF (Rajasthan Cooperative Dairy Federation): Also known as Saras Dairy — the nodal cooperative federation through which Gopal Credit Card milk union linkages operate in Rajasthan.
• Rajsahakar: Rajasthan Cooperative Department — the nodal agency for the Gopal Credit Card Yojana and all cooperative-route livestock loans in the state.
• DPR (Detailed Project Report): A bank-ready financial feasibility document required for loans above Rs.2 lakh under NABARD or AHIDF schemes. Covers project cost, land details, income projections, and repayment schedule.
• e-Mitra: Rajasthan’s common service centre network — the state-wide portal through which Gopal Credit Card applications, scheme registrations, and government service requests are processed at village and taluka level.
• Mukhyamantri Mangla Pashu Bima Yojana: Rajasthan’s free livestock insurance scheme (restructured from Kamdhenu Bima Yojana) providing cattle death compensation via DBT within 21 working days.

Important Dates and Timelines — Rajasthan Pashupalan 2026

Important Links — Rajasthan Pashupalan Loan Yojana 2026

Conclusion

Rajasthan Pashupalan Loan Yojana 2026 is one of the most comprehensive livestock financing ecosystems in India — combining zero-interest cooperative credit, 50% central government subsidies, free insurance, and 90% bank financing into a single support stack. Whether you are a small farmer with 2 cows or an entrepreneur planning a Rs.50 lakh dairy processing unit, there is a scheme designed for your exact situation. The key is to match your project size and cooperative membership status to the right scheme before you apply. Bookmark this page for updates — scheme portals and allocation data are updated regularly as new budget announcements are made.

Frequently Asked Questions About Rajasthan Pashupalan Loan Yojana 2026

What is Rajasthan Pashupalan Loan Yojana 2026?

Rajasthan Pashupalan Loan Yojana 2026 is the collective name for all state, central, bank, and cooperative livestock loan schemes active in Rajasthan in 2026. The main state scheme is the Gopal Credit Card Yojana (Rs.1 lakh, 0% interest). Central schemes include AHIDF (3% subvention, 90% bank financing), Rashtriya Gokul Mission (50% subsidy), and PM Pashu KCC (effective 4% interest). Together these schemes target dairy, goat, poultry, and all livestock activities.

How much loan can I get under Rajasthan Pashupalan Yojana?

Loan amounts depend on the scheme and your project size. The Gopal Credit Card gives up to Rs.1 lakh. Pashu KCC gives up to Rs.3 lakh. NABARD-backed bank dairy loans cover up to Rs.50 lakh or more (project-based). AHIDF has no per-unit ceiling — it covers 90% of any project cost. NLM-EDEG gives up to Rs.30 lakh for poultry units and Rs.25 lakh for goat/sheep units with 50% subsidy.

What is the interest rate on Rajasthan pashupalan loan?

The Gopal Credit Card Yojana (cooperative route) charges 0% interest if repaid within one year. Pashu Kisan Credit Card has an effective rate of 4% per annum after government subvention. Commercial bank dairy loans (SBI, BoB, PNB) are MCLR-linked — currently ranging from approximately 7.50%–9.55% p.a. (indicative, Q3 2026). Under AHIDF, the government provides a 3% interest subvention, further reducing the effective rate on large project loans.

Who can apply for Gopal Credit Card Yojana in Rajasthan?

Any cattle or dairy owner permanently residing in rural Rajasthan who is a member of a Primary Milk Producer Cooperative Society affiliated with RCDF (Saras Dairy) can apply for the Gopal Credit Card Yojana. The loan covers purchase of feed, medicines, cattle shed construction, dairy equipment, and additional milch animals. Applications are submitted through e-Mitra centres or village service cooperative societies.

What is the subsidy percentage under Rajasthan pashupalan scheme 2026?

Subsidy percentages vary by scheme. Rashtriya Gokul Mission and NLM-EDEG offer 50% capital subsidy for eligible projects. NABARD DEDS provides 25% back-ended subsidy for general category applicants and 33.33% for SC/ST and women applicants (ceiling: Rs.1.25 lakh for general / Rs.1.67 lakh for SC/ST per 10-animal unit under DEDS). The Gopal Credit Card offers a 0% interest benefit, which is functionally equivalent to an interest subsidy for short-term credit.

What documents are required to apply for pashupalan loan in Rajasthan?

For most Rajasthan pashupalan loan schemes you need: Aadhaar card (mandatory), PAN card, Rajasthan domicile / residence certificate, bank account passbook (linked to Aadhaar via DBT), passport-size photograph, active mobile number, and livestock details (number and type of animals). For bank loans above Rs.2 lakh: a Detailed Project Report (DPR), land documents or lease agreement, and caste certificate (for SC/ST enhanced subsidy) are additionally required.

Is there any application fee for Rajasthan pashupalan loan yojana?

There is no application fee for any state or central government livestock scheme, including the Gopal Credit Card Yojana, Pashu KCC, NABARD DEDS, Rashtriya Gokul Mission, AHIDF, or NLM-EDEG. Banks may charge a standard loan processing fee (typically 0.5%–1% of the loan amount) for commercial dairy loans, which some banks waive for priority sector applicants. Avoid touts who claim to charge fees for scheme registrations.

Can SC/ST farmers get a higher subsidy under Rajasthan pashupalan schemes?

Yes. SC/ST farmers receive 33.33% capital subsidy (versus 25% for general category) under NABARD DEDS dairy loans. Under Rashtriya Gokul Mission and NLM-EDEG, SC/ST and BPL farmers also receive priority processing. The Pashu KCC scheme is available equally to all categories at the same 4% effective rate. To claim the enhanced subsidy, a valid caste certificate issued by the competent authority in Rajasthan must be submitted with the bank or cooperative application.

How long does it take to get a pashupalan loan approved in Rajasthan?

The Gopal Credit Card Yojana through cooperative banks typically takes 1–2 weeks after document submission, subject to cooperative society recommendation. Pashu KCC through banks takes approximately 2–3 weeks. NABARD-backed dairy loans (DEDS) take 3–6 weeks including bank appraisal and NABARD subsidy linkage. AHIDF projects require 4–8 weeks for bank sanction due to the DPR appraisal process. Having all documents ready before applying significantly reduces approval time.

What is the Mukhyamantri Mangla Pashu Bima Yojana and is it linked to the pashupalan loan?

Mukhyamantri Mangla Pashu Bima Yojana is Rajasthan’s free livestock insurance scheme (restructured from Kamdhenu Pashu Bima Yojana) that provides death insurance for registered milch cattle at no cost to the farmer. It is not a loan — it is a protective insurance cover that runs alongside pashupalan loans. Farmers taking a Gopal Credit Card or bank dairy loan are strongly advised to simultaneously register their animals under Mangla Pashu Bima, as animal death is the highest risk event that can disrupt loan repayment.

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