Dairy Farming Project Report for Bank Loan PDF

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Name Dairy Farming Project Report for Bank Loan
Pages 5
Size 0.18 MB
Language English
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Dairy Farming Project Report for Bank Loan

Individuals who wish to start and operate their own farms or make improvements to their existing farms can now make the most of dairy farm business loans. The reasons for taking out a loan like this can be to establish small dairy units that have two to four mulch cattle, to collect, process, and distribute milk, to establish a new medium or large dairy unit, to manufacture milk products, to construct cattle shad, or to buy crossbreed or improved mulch cattle. For your dairy farm business, you will most likely incur expenses related to purchase of raw materials, dairy production processes, dairy product processing, dairy product storage, packaging, warehousing, etc. You would also incur costs associated with taking care of animal species that help in the production of dairy products.

Purpose of availing Dairy Farm Loan

Given below are the reasons for which you can avail a dairy farm loan:

  • To establish a new dairy farm unit or expand an already exisiting dairy farm unit
  • Purchasing of mulch animals for small dairy units
  • For the rearing of young calves and crossbreeding of mulch cows and buffalos
  • To purchase milk machineries such as Bulk Milk Chilling units, automatic milk collection and dispersal systems, milk vans
  • To grow fodder for cattle and meet other capital needs for the smooth functioning of the farm
  • Construction, expansion, or renovation of cattle sheds
  • Cold storage services
  • Dairy marketing outlets
  • Purchasing of dairy dispensation equipment, chaff cutters, etc.
  • Dairy manufactured goods transportation services

Eligibility Criteria for Dairy Farm Business Loan

dairy farm business loan is a Working Capital Term Loan that can be availed by agriculture labourers, farmers, limited companies, SHGs, registered partnership firms, and dairy co-operative societies. The amount of money that is granted to applicants can range up to Rs. 100,000 for the hypothecation of live stocks. Loan amounts offered to customers can also exceed Rs. 100,000 for the hypothecation of live stocks, or land mortgage, or declaration as per the agricultural credit act, or collateral security of sufficient worth, or third party assurance if stipulated.

The profit margin for loans up to Rs. 100,000 is nil, and loans more than Rs. 100,000 provide a profit margin ranging from 15% to 25%. The rate of interest will differ based on the lender and the structure of the loan. The repayment period is usually between five and six years, and most lenders also provide a moratorium period of two to three months.

Dairy Business Loans Fees and Charges

Interest rate May depend from bank to bank
Tenure of loan 3 years and 7 years
Pre-closure charges Nil
Repayment mode EMIs
Processing fees 2% of the loan amount.

Documents Required

The list of documents you will need to apply for a dairy farm loan is:

  • Proof of identity such as PAN Card, Aadhaar Card, voter id, driving license, etc.
  • Proof of address such as utility bills, ration card, Aadhaar Card, etc.
  • Salary slips for past 6 months
  • Passport size photographs
  • Proof of registration of dairy business
  • Property deeds

Top lenders in India offer Dairy Farm Loans

There are various lenders in India who offer dairy farm loans to its customers. Some of the lenders from whom you can avail a dairy farm loan are:

  • IDBI Bank
  • State Bank of India
  • IDBI
  • Central Bank of India
  • Bank of India

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Alternate Links for Dairy Farming Project Report for Bank Loan PDF

You can also visit the official / source website to download the PDF from following links: http://pashudhanharyana.gov.in/sites/default/files/documents/Schemes%202018-19/DPR%205%20MA%20prpared%20by%20LUVAS.pdf

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