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Scheme running

Rajasthan Sahkari Gopal Credit Card Rin Yojana (interest-free dairy loan)

Funded in the budget: Rajasthan Output-Outcome Budget 2026-27 (undated, Co-operative Department, item 10 "Gopal Credit Card Scheme": ₹80 crore for 2026-27; interest-free short-term loan for dairy-related activities to 1,00,000 gopalaks)

Gopal Credit Card (interest-free dairy loan) · Co-operative Department (Rajasthan State Co-operative Bank and central co-operative banks), Government of Rajasthan · State scheme

A rural cow or buffalo keeping family that sells milk to a dairy co-operative can take a short-term loan of up to ₹1 lakh for one year with no interest at all if it is repaid on time.

Dairy & cattleLoans & interest help
Lead benefit
Up to ₹1 lakhloan at 0% interest for 1 year
Components
1each read from the document
Who can apply
Allapplicants
Closing date
Seasonalsee “When to apply”

What it pays

Up to ₹1 lakhloan at 0% interest for 1 year

A loan of up to ₹1,00,000 for one year — for a cow/buffalo shed, water trough, or milk, fodder and feed equipment — at zero interest if repaid on time.

Read from Rajasthan Sahkari Gopal Credit Card loan scheme brochure (2024) · clause 1. मुख्य बिन्दु; 2. पात्रता · p. inner spread (PDF p.2) · Our copy (PDF)
What the document says, word for word

Eligibility: a rural Rajasthan family that keeps cows/buffaloes and sells milk to a dairy co-operative; one member per family; no more than two loans already running. Late repayment costs 10.25% simple interest plus 2% penal interest. The borrower, animals and assets must be insured.

“राशि रूपये 1 लाख तक का अल्पकालीन ऋण एक वर्ष की अवधि हेतु। ऋण का समय पर अथवा समय पूर्व चुकारा करने पर शून्य ब्याज अर्थात कोई ब्याज देय नहीं। गाय/भैंस हेतु शैड, खेली का निर्माण तथा दुग्ध/चारा/बांटा संबंधी उपकरण खरीदने हेतु ऋण।”

How much can I claim?

Interest-free short-term loan up to ₹1,00,000 for one year (repaid on time)

Read from Rajasthan Sahkari Gopal Credit Card loan scheme brochure (2024) · clause 1. मुख्य बिन्दु; 2. पात्रता · p. inner spread (PDF p.2) · Our copy (PDF)

Eligibility: a rural Rajasthan family that keeps cows/buffaloes and sells milk to a dairy co-operative; one member per family; no more than two loans already running. Late repayment costs 10.25% simple interest plus 2% penal interest. The borrower, animals and assets must be insured.

Who can apply

  • All applicants

Papers you need

  • Jan Aadhaar and Aadhaar card copies; passport-size photo
  • Recommendation letter of the primary dairy co-operative (format on the Raj Sahakar website)
  • Passbook of the account in which the dairy society pays for milk; PACS/LAMPS membership number and central co-operative bank passbook, if any
  • Estimated cost of the planned dairy work; title papers of property offered as security; names of two guarantors with Aadhaar and bank account copies

How to apply

  1. Apply online on the Raj Sahakar portal with your Jan Aadhaar card and OTP (4. आवेदन प्रक्रिया).
  2. Get a recommendation letter from your primary dairy co-operative in the set format; the PACS/LAMPS manager may ask for papers.
  3. On approval (by SMS), open an account at the central co-operative bank branch and sign the loan papers.
  4. Repay in 12 equal monthly instalments by ECS from the account where your dairy society pays you, and clear it within one year to pay no interest (5. ऋण का चुकारा).

Applying is free. Never pay anyone to apply for you.

When to apply

Open through the year; a new loan can be taken after the previous one is repaid on time.

Combining with other schemes

The documents do not say whether this can be combined with other schemes. Ask the implementing office before you count on both.

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