I want to set up a small dairy unit with a loan. How does the dairy entrepreneurship scheme subsidy through NABARD work?
How does the Dairy Entrepreneurship Development Scheme subsidy work through NABARD?
MMahendra Choudhary7 महीने पहले · 295 व्यू
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🌾Farmer.in Krishi Teamविशेषज्ञ ✓7 महीने पहले
Dairy entrepreneurship support is generally given as a back ended capital subsidy linked to a bank loan and routed through NABARD, meaning you take a loan, set up the unit, and a part of the cost is given as subsidy that reduces your loan, with a higher share for SC, ST and women in many cases. It can cover items like setting up small dairy units, milk parlours, chilling and processing equipment and calf rearing, up to defined ceilings on the number of animals or unit size. Because scheme names, allocations and exact subsidy rates change over time, confirm what is currently open with your bank, the district NABARD office and the state animal husbandry department before counting on it. Prepare a proper project report and start with a unit size you can actually manage, since the subsidy comes after the bank approves and disburses the loan.
SSohan Ram6 महीने पहले
In my case the subsidy was adjusted against the loan after the unit was set up and inspected, not given upfront. Get the project report right with the bank first, that is where most delays happen.
BBhanwar Lal Vishnoi6 महीने पहले
Confirm what is actually open before you build your plan around it, because the schemes and rates change and people quote outdated numbers. I checked directly with my bank and the NABARD office rather than going by rumours at the market, and it saved me from disappointment over a scheme that had changed.
PPukharam Choudhary5 महीने पहले
Start with a unit size you can genuinely run yourself. I was tempted to go big for a larger subsidy but a friend who overstretched struggled to manage the animals and repay. A smaller well managed unit that you actually run profitably is better than a big one on paper. The bank loan approval is the real first hurdle.
HHanuman Ram Bishnoi4 महीने पहले
Plan for the gap before the subsidy arrives, because it comes back only after the unit is set up and inspected, and in between you are repaying the full loan EMI. I kept some working capital aside for that period so the early months did not choke me. A friend who did not plan for it struggled badly until his subsidy came through.