Private, free guide — not a government website. Apply only on the official portal.
Cheaper farm loans, interest relief and loan guarantees.
Loans & interest helpRepay on time and you get 3% a year off the interest on up to ₹3 lakh of KCC loan (₹2 lakh if your loan is only for animals, dairy, fish or bees).
Loans & interest helpThe government pays 3% a year of the interest on up to ₹2 crore of your loan, for up to 7 years.
Dairy & cattle3% a year off the interest on the loan, for up to 8 years.
Loans & interest help36% of the project cost (44% for women, SC/ST and NE and Hill states), counted on a project of up to ₹20 lakh.
Processing & value additionUp to ₹5 lakh grant at the idea / pre-seed stage — 85% of the sanctioned cost; you bear 15%.
Loans & interest helpA grant matching the members’ own share money — up to ₹2,000 per farmer member, at most ₹15 lakh per FPO — paid to the FPO, which issues the same value of extra shares to its members.
Rural livelihood & SHGsEach women SHG gets a Revolving Fund, on average ₹20,000 to ₹30,000, which stays with the group for loans among its members.
Cooperatives & farmer groupsThe cooperative’s NCDC term loan carries interest 2% a year below NCDC’s normal rate, as long as every instalment is paid on time.
Cooperatives & farmer groupsFor a new or innovative activity, the women’s cooperative’s NCDC term loan carries interest 2% a year below NCDC’s normal rate, if repaid on time.
FisheriesA loan of up to 80% of the cost of a fisheries infrastructure project at an interest rate that can go as low as 5% a year, because the government pays the lender up to 3% a year; repay over up to 12 years including 2 years’ moratorium.
Dairy & cattleA milk federation, union or milk producer company gets 2% a year off the interest on its bank working-capital loan, for at most 12 months in the year.
Loans & interest helpA collateral-free loan of up to ₹20 lakh for a dairy, poultry, beekeeping or other allied or non-farm business; it is a loan to repay, not a subsidy.
Loans & interest helpFor a small, marginal, woman, SC, ST or disabled farmer, the bank’s warehouse-receipt loan is guaranteed 85% up to ₹3 lakh and 80% from ₹3 lakh to ₹75 lakh, so the bank lends more readily; the fee is 0.4% a year.
Fisheries40% of a heavy-duty moped (₹56,000) and a 50-litre ice box (₹4,000) for selling fish — up to ₹24,000.
Loans & interest help4% a year off the interest on a short-term crop loan of up to ₹3 lakh, if you repay on time.
Loans & interest helpThe state pays 4% a year of the interest on crop loans and KCC limits of up to ₹3 lakh, on top of the Centre’s subvention.
Loans & interest helpThe state pays back all the interest on your bank loan of up to ₹50 lakh (after any central interest help), if you repay on time; the loan is collateral-free through a state-paid credit guarantee.
Loans & interest helpThe state pays 4% a year of interest on your short-term KCC crop loan, on top of the centre’s 3% — so a timely repayer pays nothing.
Loans & interest helpRepay your KCC crop loan on time and Meghalaya pays 4% a year of the interest, on top of the Centre’s 3%.
Loans & interest helpRepay your crop loan on time and the state pays 4% a year of the interest on up to ₹3 lakh.
Dairy & cattle4% a year off the interest on your mini-dairy loan.
Dairy & cattleA 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.
Dairy & cattleThe full interest on the loan (bank rate, capped at 12% a year) on the lower of the NABARD unit cost and the loan, until repaid or for 5 years.
Dairy & cattle7.5% a year interest help on the animal-purchase loan, for 5 years.
Dairy & cattle7.5% a year interest help on the cow-purchase loan, for 5 years.
Dairy & cattleMargin money of 25% of the dairy project cost, at most ₹1,50,000 (project counted up to ₹10 lakh).
Loans & interest helpA 6-month loan against your produce of up to ₹2,00,000 or 60% of its value (whichever is less), interest-free for the first month, with storage insurance paid by the market committee.
Dairy & cattleThe state pays 90% of the interest on the bank loan for a listed dairy, mule, sheep/goat, pig or poultry unit.
Highest share of cost any running scheme pays for this kind of work, by who applies. The amount is still capped by each scheme’s cost norm.
Repay on time and you get 3% a year off the interest on up to ₹3 lakh of KCC loan (₹2 lakh if your loan is only for animals, dairy, fish or bees).
The bank lends at 7% a year (the government pays the bank 1.5% to make that possible); repaying on time brings it to 4%. The ₹3 lakh limit is per farmer across all KCC accounts (para 3(ii)). The incentive is lost if you repay after one year. Small and marginal farmers keep the subvention for up to six more months after harvest on a loan against a WDRA warehouse receipt (para 2(iv)). These rates are from the RBI circular for FY 2025-26; the Union Budget 2026-27 notes describe the same terms (₹3 lakh at 7%, 3% more for prompt repayment), but we have not yet seen the RBI circular for FY 2026-27.
“An additional interest subvention of 3% per annum will be provided to such of those farmers repaying in time, i.e., from the date of disbursement/drawl/renewal of the loan/s upto the actual date of repayment/tenure/due date or upto the due date fixed by the banks for repayment of such loan/s, whichever is earlier, subject to a maximum period of one year from the date of disbursement.”If you only keep animals, run a dairy, fish or keep bees (no crop loan), the 3% on-time incentive applies to up to ₹2 lakh.
If you have both a crop loan and an allied loan, the crop loan is counted first and the overall limit stays ₹3 lakh (para 2(iii) and its illustrations) — use the ₹3 lakh rule instead.
“Interest subvention and prompt repayment incentive benefits on short term crop loans and short term loans for allied activities will be available on an overall limit of ₹3 lakh per annum subject to a maximum sub-limit of ₹2 lakh per farmer in respect of those farmers involved only in activities related to animal husbandry, dairy, fisheries, bee keeping etc.”Short-term crop and allied loans on a Kisan Credit Card, up to ₹3 lakh, are given at 7% a year — the government pays the bank 1.5% to make that rate possible.
The 1.5% is paid to the bank, not to you; what you get is the 7% rate. It applies at public sector banks, rural and semi-urban branches of private banks, small finance banks and computerised PACS ceded with a scheduled commercial bank (para 2(i)). Repay on time for a further 3% (the prompt-repayment rule). These are the FY 2025-26 terms; the Union Budget 2026-27 notes describe the same.
“In order to provide short term crop loans and short term loans for allied activities including animal husbandry, dairy, fisheries, bee keeping etc. upto an overall limit of ₹3 lakh to farmers through KCC at concessional interest rate during the year 2025-26, it has been decided to provide interest subvention to lending institutions … Lending rate to farmers 7% — Rate of Interest Subvention to Lending Institutions 1.50%”Small and marginal farmers who store their harvest in a WDRA-accredited warehouse keep the KCC interest benefit for up to six more months on a loan against the warehouse receipt.
“In order to discourage distress sale by farmers and to encourage them to store their produce in warehouses, the benefit of interest subvention under KCC will be available to small and marginal farmers for a further period of upto six months post the harvest of the crop against negotiable warehouse receipts on the produce stored in warehouses accredited with Warehousing Development Regulatory Authority (WDRA), at the same rate as applicable to the crop loan from the date of pledge.”If a natural calamity hits and your crop loan is restructured, the concessional rate continues on the restructured loan for the first year — up to five years, with the 3% on-time bonus, after a severe calamity declared by the government.
Whether a calamity counts as severe is decided by a High Level Committee on the recommendation of the Inter-Ministerial Central Team and the Sub Committee of the National Executive Committee (para 2(vi)). From the second year after an ordinary calamity, the restructured loan carries the normal rate (para 2(v)).
“(v) To provide relief to farmers affected by natural calamities, the applicable rate of interest subvention for that year will be made available to banks for the first year on the restructured loan amount. … (vi) However, to provide relief to farmers affected due to severe natural calamities, the applicable rate of interest subvention for that year will be made available to banks for first three years/entire period (subject to a maximum of five years) on the restructured loan amount. Further, in all such cases, the benefit of prompt repayment incentive @3% per annum shall also be provided to the affected farmers.”The government pays 3% a year of the interest on up to ₹2 crore of your loan, for up to 7 years.
Credit guarantee for loans up to ₹2 crore is also covered under CGTMSE, with the fee paid by the government; FPOs may use the FPO-scheme guarantee and still get the fee reimbursed (s. 5, item 2). The ₹2 crore limit is per location; a farmer, agri-entrepreneur or start-up can have at most 25 such projects (s. 8). Repayment is up to 7 years including up to 2 years’ moratorium (s. 4).
“All loans under this financing facility will have interest subvention of 3% per annum up to a limit of ₹ 2 crore. This subvention will be available for a maximum period of 7 years. In case of loans beyond ₹ 2 crore, then interest subvention will be limited up to ₹ 2 crore.”Your AIF loan of up to ₹2 crore can be covered by a CGTMSE credit guarantee, and the government pays the guarantee fee.
The guideline does not print the fee rate, so we show no rupee figure. Eligible projects (s. 6) include warehouses and silos, cold stores and cold chain, packaging, assaying, sorting and grading units, ripening chambers, primary and integrated processing, e-marketing and supply chain services, vermicompost and other organic inputs, compressed biogas, bio-stimulants, drones and precision farming, nurseries, tissue culture, seed processing, custom hiring centres (at least 4 machines), combine and sugarcane harvesters, PM-KUSUM solar plants and pumps, spirulina, sericulture and honey processing, hydroponic, mushroom, vertical and aeroponic farming, and polyhouses/greenhouses. Tractors and non-refrigerated logistics vehicles are not eligible for individual farmers (s. 6, Note 4). Any capital subsidy from another scheme (MIDH, PMFME, SMAM, PMKSY, PM-KUSUM…) can be combined and counts as your contribution, but at least 10% must be your own (s. 13).
“Credit guarantee coverage will be available for eligible borrowers from this financing facility under Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme for a loan up to ₹ 2 crore. The fee for this coverage will be paid by the Government. In case of FPOs the credit guarantee may be availed from the facility created under FPO promotion scheme of DA&FW and NABSanrakshan Trustee Company Pvt. Ltd. However, FPOs are also eligible for reimbursement of credit guarantee fee under AIF.”3% a year off the interest on the loan, for up to 8 years.
Rate source: the 3% for sanctions after 1.04.2024 comes from the DAHD 5th Addendum (26.03.2024, cl. h) 9.1.2); the newer Guidelines 3.0 (cl. 9) prints 3% only for sanctions before 31.03.2023 and is silent on new ones — ask the lender to confirm the current rate. Dairy cooperatives are also eligible (cl. 4(f)). Paid by the Department to your lender, for 8 years including the 2-year moratorium (Guidelines 3.0, cl. 13.2), and only while the account is not an NPA (cl. 9.3.3). Not on loan for land, working capital, pre-operative expenses, interest during construction, existing infrastructure, old machinery or personal vehicles (cl. 8.3). The figure here is 3% of the full loan; it falls as you repay. MSMEs and dairy cooperatives can also get a credit guarantee of up to 25% of the credit facility (cl. 10.1.3–10.1.4). You cannot take interest subvention under any other Central or State scheme for the same project (cl. 14).
“Henceforth new sanction made after 1.04.2024 will avail 3% Interest Subvention under the new realigned AHIDF Scheme.”36% of the project cost (44% for women, SC/ST and NE and Hill states), counted on a project of up to ₹20 lakh.
The subsidy is counted on a Total Financial Outlay of at most ₹20 lakh for one person (₹25 lakh for an “exceptionally successful” venture, para 5.2.2; up to ₹100 lakh for a group of 5 or more), and can never exceed the loan amount (para 6.3.1). It is back-ended: held by the bank and adjusted against the loan. Hill States: the training clause (para 4.4.1) also names Ladakh, but the subsidy claim format names only J&K, H.P. and Uttarakhand, so we apply 44% in Ladakh only through the women/SC/ST categories. The document does not list the North-Eastern states by name; we use the eight states of the North-Eastern Region.
“It will be 44% of project cost or Total Financial Outlay (TFO) for women, SC/ST/ PwP & all categories of candidates from NE and Hill states and 36% of total project cost or TFO for all others.”A 45-day agri-entrepreneur training, paid for by the scheme.
Open to candidates aged 21 to 60 with a degree, 3-year diploma or post-graduate diploma in agriculture or an allied subject, and at least a one-year gap after the qualification. Serving persons, and retired persons drawing a pension, are not eligible for the subsidy (para 3).
“The scheme covers full financial support for training and hand holding, provision of loan and credit linked back ended composite subsidy as per the details given in the following section.”A grant matching the members’ own share money — up to ₹2,000 per farmer member, at most ₹15 lakh per FPO — paid to the FPO, which issues the same value of extra shares to its members.
It is a matching grant: a member who has put in less than ₹2,000 gets only as much as their own share money. A farmer gets it only once even if a member of several FPOs (cl. 11.3(vi)). The FPO must issue the extra shares within 45 days (cl. 11.4(i)) and may draw the grant in tranches.
“11.1 … Equity Grant shall be in the form of matching grant upto Rs. 2,000 per farmer member of FPO subject to maximum limit of Rs. 15.00 lakh fixed per FPO. … 11.4 (ii) Individual Shareholder – up to Rs 2,000/- per member.”The bank’s loan to the FPO is guaranteed: 85% of a project loan up to ₹1 crore (at most ₹85 lakh), or 75% of a loan between ₹1 crore and ₹2 crore (at most ₹150 lakh), so the bank can lend without collateral.
The bank pays a guarantee fee of up to 0.75% (loans up to ₹1 crore) or 0.85% (₹1–2 crore) to NABARD or NCDC (cl. 12.9). A bank can get cover for the same FPO at most twice in 5 years (cl. 12.8(ii)).
“12.8 (i) The credit guarantee cover per FPO will be limited to the project loan of Rs. 2 crore. In case of project loan up to Rs. 1 crore, credit guarantee cover will be 85% of bankable project loan with ceiling of Rs. 85 lakh; while in case of project loan above Rs.1 crore and up to Rs. 2 crore, credit guarantee cover will be 75% of bankable project loan with a maximum ceiling of Rs. 150 lakh.”Up to ₹18 lakh (or actual cost, if less) over three years from formation towards the FPO’s running costs; an FPO that could not use it in time may use it within five years.
Only FPOs formed under this scheme get this support. The guidelines list what it covers: CEO/manager salary up to ₹25,000 a month, accountant up to ₹10,000 a month, one-time registration up to ₹40,000, office rent up to ₹48,000 a year, and more (cl. 10.1, p.19).
“FPO Management Cost (modified guideline for cl. 10.0): Under the scheme, financial support to Farmer Producer Organization (FPO) @ upto maximum of Rs. 18 Lakh / FPO or actual, whichever is lesser is to be provided during three years from the year of formation. However, if any of the FPO promoted under 10K FPO scheme was unable to avail/ utilize Rs 18 Lakh within the period of three years (due to initial corona restrictions or any other reason); then the respective FPO to utilize the same within the period of five years from its formation, subject to overall ceiling of assistance of Rs 18 Lakhs per FPOs.”A women SHG under DAY-NRLM in a rural area pays only 7% a year on bank loans up to ₹3 lakh; the government pays the bank 4.5% a year on the balance up to ₹3 lakh.
The circular prints the 4.5% bank subvention for FY 2025-26; the Expenditure Budget 2026-27 (Notes item 12, p.291) repeats loans up to ₹3 lakh at 7% for 2026-27. Paid only while the loan account is standard, not NPA (Annex II(iv)).
“ii. For loans up to ₹3 lakh under the scheme, banks will extend credit at a concessional interest rate of 7% per annum. For outstanding credit balance up to ₹3 lakh, banks will be subvented at a uniform rate of 4.5% per annum during FY 2025-26.”For SHG loans above ₹3 lakh and up to ₹5 lakh, the bank charges no more than its 1-year MCLR (or external benchmark rate) or 10% a year, whichever is lower.
“iii. For loans above ₹3 lakh and up to ₹5 lakh under the scheme, banks will extend credit at interest rate equivalent to their 1 year-MCLR or any other external benchmark-based lending rate or 10% per annum, whichever is lower. For outstanding credit balance above ₹3 lakh and up to ₹5 lakh, banks will be subvented at a uniform rate of 5% per annum during FY 2025-26.”A woman member of a DAY-NRLM SHG who takes an individual bank loan for her enterprise and repays on time gets 2% a year off the interest on up to ₹1.5 lakh, for up to 3 years, once in her life.
Only for women members of SHGs under DAY-NRLM in rural areas, on enterprise loans priced at no more than 1-year MCLR + 3% or 14% a year (2(i), (iii)); given to a person only once (2(ii)).
“(viii) Lending Institutions can claim interest subvention of 2% per annum on maximum outstanding loan of ₹1.5 lakh per borrower for a maximum tenure of 3 years. In case of loan outstanding amount exceeding ₹1.5 lakh, interest subvention will be limited to the ceiling of ₹1.5 lakh only.”The cooperative’s NCDC term loan carries interest 2% a year below NCDC’s normal rate, as long as every instalment is paid on time.
The loan runs up to 5 years including a 2-year moratorium on principal. The document caps the project cost (₹3 crore, or ₹1 crore for a society under a year old), not the loan; the loan is 80% of cost in Category A (any cooperative in the North-East, cooperatives in NITI Aayog aspirational districts, and cooperatives whose members are 100% women/SC/ST/disabled) and 70% for all others (Category B).
“ब्याज की दर: रा.स.वि.नि. परिपत्र के अनुसार समय-समय पर ब्याज दरों को संशोधित किया जाता है। प्रोत्साहन के रूप में, रा.स.वि.नि. परियोजना गतिविधियों के लिए अपनी सामान्य ब्याज दर से 2% कम ब्याज दर पर आवधिक ऋण प्रदान करता है । ब्याज प्रोत्साहन केवल समय पर पुनर्भुगतान की स्थिति में ही मान्य होगा ।”For a new or innovative activity, the women’s cooperative’s NCDC term loan carries interest 2% a year below NCDC’s normal rate, if repaid on time.
Only for women’s cooperatives or cooperatives with at least 50% women members. Loans run 5–8 years with a 1–2 year moratorium on principal. Interest subvention or subsidy from other Government schemes may be combined with it (scheme document, p.6).
“ब्याज-दर : रा.स.वि.नि. परिपत्र के अनुसार समय-समय पर ब्याज दरों को संशोधित किया जाता है । समयानुसार पुनर्भुगतान के मामले में, नवीन एवं नवाचारी गतिविधियों हेतु आवधिक ऋण पर सामान्य ब्याज दर पर 2% ब्याज छूट सहायता प्रदान की जायेगी ।”For any other activity, the women’s cooperative’s NCDC term loan carries interest 1% a year below NCDC’s normal rate, if repaid on time.
“नवीन एवं नवाचारी गतिविधियों को छोड़कर सभी गतिविधियों हेतु आवधिक ऋण पर सामान्य ब्याज दर पर 1% ब्याज छूट सहायता प्रदान की जायेगी ।”A milk federation, union or milk producer company gets 2% a year off the interest on its bank working-capital loan, for at most 12 months in the year.
The approval of 24 April 2026 extended this only “till 30th September 2026 or date of approval of the scheme for the 16th Finance Commission (FC) cycle … whichever is earlier” (para 1). We have seen no order after 30 September 2026 (checked on dahd.gov.in, 7 Oct 2026), so whether it runs now is unknown. Working-capital loans themselves (Component A) are suspended in 2026-27 (para 3).
“Under this provision, 2% per annum interest subvention on secured/unsecured working capital loan shall be provided. … Eligible Organizations: Producers’ Owned Institutions such as Milk Federations, Milk unions, Farmer owned/ Milk Producer Companies will be considered for providing financial assistance under the proposed scheme.”If every instalment and interest payment is made within 30 days of its due date, the organisation gets a further 2% a year at the end of the loan.
The approval of 24 April 2026 extended this only “till 30th September 2026 or date of approval of the scheme for the 16th Finance Commission (FC) cycle … whichever is earlier” (para 1). We have seen no order after 30 September 2026 (checked on dahd.gov.in, 7 Oct 2026), so whether it runs now is unknown. Working-capital loans themselves (Component A) are suspended in 2026-27 (para 3).
“For prompt and timely repayment additional 2% interest subvention will be payable at the end of the loan repayment period.”A collateral-free loan of up to ₹20 lakh for a dairy, poultry, beekeeping or other allied or non-farm business; it is a loan to repay, not a subsidy.
MUDRA is for non-corporate, non-farm income-generating activities: crop cultivation itself is not covered (use a Kisan Credit Card for that), but allied activities such as poultry, dairy and beekeeping are. There is no interest subsidy in the scheme.
“Shishu: covering loans upto Rs. 50,000/- Kishor: covering loans above Rs. 50,000/- and up to Rs. 5 lakhs Tarun: covering loans above Rs.5 lakh and upto Rs.10 lakhs TarunPlus: covering loans above Rs.10lakh and upto Rs.20 lakhs Loans cover term financing and working capital needs across manufacturing, trading and service sectors, including activities allied to agriculture like poultry, dairy, and beekeeping, etc. The interest rate is governed by RBI guidelines, with flexible repayment terms.”For a small, marginal, woman, SC, ST or disabled farmer, the bank’s warehouse-receipt loan is guaranteed 85% up to ₹3 lakh and 80% from ₹3 lakh to ₹75 lakh, so the bank lends more readily; the fee is 0.4% a year.
The cover applies to loans up to ₹75 lakh for agricultural purposes (Coverage). Small and marginal farmers already keep the KCC interest benefit for up to six months on such a loan (see the KCC interest subvention record). The launch note does not say whether the 0.4% fee is paid by you or the bank.
“Guarantee coverage 85% for loans up to Rs. 3L and 80% for loan between 3 to 75 lakhs for small and marginal farmers/women/SC/ST/PwD and 75% for other borrowers. … Guarantee Fee 0.4% p.a. for farmers and 1% p.a. for non-farmers”Other farmers, FPOs, farmer cooperatives and small traders also get a 75% guarantee on warehouse-receipt loans — up to ₹75 lakh for farm purposes and ₹2 crore otherwise.
“Eligible Borrowers Small and Marginal Farmer (SMF)/ Women/SC/ST/PwD Farmers, other farmers, MSMEs, Traders, FPOs and Farmer cooperatives. … Coverage Loans up to Rs. 75 lakhs for agricultural purpose and Loans up to Rs. 200 Lakhs for nonagricultural purpose. … and 75% for other borrowers.”If you repay a fisheries Kisan Credit Card loan on time, the fund pays back the 4% interest you paid, on a loan of up to ₹2 lakh, once.
This sits on top of the Centre’s 3% prompt-repayment incentive on KCC (para 4.1), so the loan becomes interest-free. Only for KCC working-capital loans for fisheries, ponds of at least 0.2 ha; not for defaulters or anyone covered by another interest relief or loan waiver (para 4.1, 4.4(3), 4.4(5)).
“मत्स्य पालक द्वारा बैंक को समय से भुगतान किए जाने पर क्रेडिट कार्ड ऋण की धनराशि के सापेक्ष लाभार्थी द्वारा ब्याज की भुगतान की गई 4% धनराशि को उ0 प्र0 मत्स्य पालक कल्याण कोष से ब्याज पर आर्थिक सहायता के रूप में प्रदान किया जा सकेगा। … 4.4(2) योजना का लाभ लाभार्थी को केवल एक बार एवं अधिकतम ऋण सीमा रू० 2.00 लाख तक पर ही प्राप्त होगा”4% a year off the interest on a short-term crop loan of up to ₹3 lakh, if you repay on time.
Only for farmers who repay on time — the bank does not process claims of defaulters (“Rate of interest and subsidy”). Farmers who get the Government of India interest subvention are also eligible. A Krishi Card is required for agriculture and animal-husbandry farmers; KCC holders are covered. The loan must come from a scheduled commercial bank, small finance bank, Goa State Co-operative Bank or a primary agricultural co-operative that has signed up with the Directorate. The notification prints the ceiling as “loan up to” ₹3 lakh (crop) / ₹5 lakh (term) — a larger loan may not qualify at all; ask your bank.
“Short term crop loan upto Rs. 3.0 lakhs is eligible for Interest subsidy. … The Government of Goa will provide interest subsidy of 4% to those farmers who repay their loans promptly.”4% a year off the interest on a farm term loan (land development, fencing etc.) of up to ₹5 lakh, for up to 5 years, if you repay on time.
Only for farmers who repay on time — the bank does not process claims of defaulters (“Rate of interest and subsidy”). Farmers who get the Government of India interest subvention are also eligible. A Krishi Card is required for agriculture and animal-husbandry farmers; KCC holders are covered. The loan must come from a scheduled commercial bank, small finance bank, Goa State Co-operative Bank or a primary agricultural co-operative that has signed up with the Directorate. The notification prints the ceiling as “loan up to” ₹3 lakh (crop) / ₹5 lakh (term) — a larger loan may not qualify at all; ask your bank.
“Agriculture Term loan upto Rs. 5.00 lakhs. … The tenure of the loan shall be maximum five years. … The Government of Goa will provide interest subsidy of 4% to those farmers who repay their loans promptly.”The state pays 4% a year of the interest on crop loans and KCC limits of up to ₹3 lakh, on top of the Centre’s subvention.
Not for perennial food or plantation crops (cl. 5). The notification speaks of loans sanctioned “during the current financial year” (2017-18) and set a first-year target of 7,500 farmers (cl. 8); we found no later order extending it, so check with your bank.
“The Government of Arunachal Pradesh would provide interest subvention of 4% on crop loan / Kisan Credit Card limit upto Rs.3.00 lakhs sanctioned by all banks to all farmers of the State during the current financial year. This interest subvention will be over and above the subvention given by Govt of India to banks and the farmers as per policy circular issued by RBI/NABARD”The state pays back all the interest on your bank loan of up to ₹50 lakh (after any central interest help), if you repay on time; the loan is collateral-free through a state-paid credit guarantee.
Only "Targeted Progress Partners" get this: people or groups whose project is recommended by a department’s nodal committee and selected by the Apex Body (the Mizoram State Policy Coordination Committee, chaired by the Chief Minister) on merit and available funds (cl. 2.2.1, 6.2, 7(4)). Farmers come in through the Agriculture & Farmers Welfare, Horticulture, Animal Husbandry & Veterinary, Fisheries, Sericulture and other implementing departments (cl. 4.2). Applying does not guarantee support (Form-1 declaration). The loan itself comes through a converged central scheme such as PMEGP, MUDRA or KCC (cl. 3.2.1(4)); "General Progress Partners" who are not selected can take those loans but get no interest reimbursement or guarantee (cl. 2.2.2). The 2026-27 budget speech (para 11) reports the first six-monthly interest subvention as released.
“Full interest subvention on interest payable on bank loans of up to Rs. 50 lakhs through reimbursement of interest to Progress Partners over and above interest subvention claimable from the Central Government under the loan scheme, as incentive for prompt repayment.”The state pays 4% a year of interest on your short-term KCC crop loan, on top of the centre’s 3% — so a timely repayer pays nothing.
The document says KCC short-term loans carry 7% interest, the centre gives 3% on timely repayment and the state the remaining 4%, “thus, farmers currently are having debt burden with 100 percent discount”. It prints no loan ceiling; the centre’s own interest-subvention ceiling applies to the 3% part.
“On timely repayment of loan, a rebate of 3 percent is granted by the Central Government, therefore resulting in a 4 percent interest burden on farmers. In such cases, keeping in view the wider interests of the farmers of the state, the department has granted rebate of the remaining 4 percent in the payment of agricultural loans on short-term agricultural loans being given to farmers from banks/cooperative banks for agricultural work.”Repay your KCC crop loan on time and Meghalaya pays 4% a year of the interest, on top of the Centre’s 3%.
The FAQ prints no loan ceiling of its own. The state 4% is only for borrowers who received the Centre’s 3% prompt-repayment subvention, so in practice it follows the loan limit of that central scheme. The 2026-27 Budget Speech says prompt re-payers get interest-free loans through this subvention (para 3.1.1).
“Extending 4% Interest Subvention to Standard/ Regular KCC Borrowers on crop loans. … The Prompt Repayment Incentive (PRI) @ 4 % percent subvention scheme by State Government will be applied only for Prompt Repayment KCC borrowers who have benefitted the 3% Interest Subvention from the Government of India as endorsed by the banks.”Repay your crop loan on time and the state pays 4% a year of the interest on up to ₹3 lakh.
The ₹3 lakh limit is for the year in all: if you also have up to ₹2 lakh for animal husbandry or fisheries, only the remaining crop loan up to ₹3 lakh in all counts (condition (અ)(10)). The state relief is separate from the Centre’s 3% prompt-repayment incentive; the GR names banks running the Centre’s or NABARD’s 7%-or-less scheme, so the two apply together.
“(૩) આ યોજનાની શરત નં.-૨ માં દર્શાવેલ બેંકો/સંસ્થાઓ દ્વારા પાક ધિરાણ મેળવતા તથા નાબાર્ડની PROMPT-PAYING SCHEME અંતર્ગત સમયસર પરત ભરપાઈ કરતા ખેડૂતોને તેઓના પાક ધિરાણ પર રૂ.૩.૦૦ લાખ સુધીના ધિરાણ માટે ૪% ના દરે વ્યાજ રાહતની રકમ રાજ્ય સરકાર દ્વારા પુરી પાડવામાં આવશે.”The full interest on the loan (bank rate, capped at 12% a year) on the lower of the NABARD unit cost and the loan, until repaid or for 5 years.
The state pays the bank’s rate, so if your bank charges less than 12% you get that lower rate; the NABARD unit cost that caps the counted loan is not printed in the GR. Desi breeds get priority; crossbred units follow the state breeding policy. Keep the unit for 5 years and replace any animal that dies at your own cost (conditions 8, 11). No second unit until this loan is repaid (condition 12).
“નાબાર્ડ દ્વારા નક્કી થયેલ પશુ એકમની કિંમત અથવા બેંક પશુખરીદી કરવા એકમદીઠ ધિરાણ બંનેમાંથી જે ઓછુ હોય, તેના ઉપર બેંક દ્વારા નક્કી કરેલ ધિરાણનો દર અથવા ૧૨% બંનેમાથી જે ઓછુ હોય તે ચુકવવાનુ રહેશે.”7.5% a year interest help on the animal-purchase loan, for 5 years.
SC, ST and women of any caste get 8.5% instead (next rule). The loan counted is capped at the NABARD unit cost, which the GR does not print. Once in a lifetime, one adult per family; SHGs may apply; own, inherited or 7-year leased land; only new purchase and new building (no repairs). Animal purchase, shed and insurance are compulsory components; the chaff cutter, fogger and milking machine are optional (conditions 1–6, 19). Interest help only on loans taken in 2026-27 and is withheld for any half-year with three or more missed EMIs (conditions 7, 20).
“પશુ ખરીદી માટે બેંક દ્વારા કરેલ ધિરાણ અથવા નાબાર્ડ દ્વારા નિયત થયેલ યુનિટ કોસ્ટ બંનેમાંથી જે ઓછી રકમ હોય તેના પર ૭.૫ % વ્યાજ સહાય ૫ (પાંચ) વર્ષ સુધી મળવાપાત્ર થશે.”SC, ST and women: 8.5% a year interest help on the animal-purchase loan, for 5 years.
Once in a lifetime, one adult per family; SHGs may apply; own, inherited or 7-year leased land; only new purchase and new building (no repairs). Animal purchase, shed and insurance are compulsory components; the chaff cutter, fogger and milking machine are optional (conditions 1–6, 19). Interest help only on loans taken in 2026-27 and is withheld for any half-year with three or more missed EMIs (conditions 7, 20).
“અનુસુચિત જાતિ, અનુસુચિત જન-જાતિના લાભાર્થી તેમજ કોઇપણ જાતિના મહિલા લાભાર્થીને એક ટકા વધારે એટલે કે ૮.૫% વ્યાજ સહાય ૫ (પાંચ) વર્ષ સુધી મળવાપાત્ર થશે.”Gir and Kankrej cows: interest help of up to 12% a year on the purchase loan, for 5 years.
“Up to 12%” — the GR does not say it is capped at the bank’s rate, so we show the ceiling only. Applies instead of the 7.5%/8.5% rate when the 12 animals are Gir or Kankrej cows.
“ગીર અને કાંકરેજ ગાયની ખરીદી માટે બેંક દ્વારા કરેલ ધિરાણ અથવા નાબાર્ડ દ્વારા નિયત થયેલ યુનિટ કોસ્ટ બંનેમાંથી જે ઓછી રકમ હોય તેના પર મહત્તમ ૧૨% લેખે વ્યાજ સહાય ૫ (પાંચ) વર્ષ સુધી મળવાપાત્ર થશે.”7.5% a year interest help on the cow-purchase loan, for 5 years.
Once in a lifetime, one adult per family; SHGs may apply; new purchase and new building only (conditions 1, 4, 5). The loan counted is capped at the NABARD unit cost, which the GR does not print.
“પશુ ખરીદી માટે બેંક દ્વારા કરેલ ધિરાણ અથવા નાબાર્ડ દ્વારા નિયત થયેલ યુનિટ કોસ્ટ બંનેમાંથી જે ઓછી રકમ હોય તેના પર ૭.૫% વ્યાજ સહાય ૫ (પાંચ) વર્ષ સુધી મળવાપાત્ર થશે.”5% a year of interest paid back on the bank loan (counted up to 75% of the unit cost), at most ₹25,000 a year, for 7 years.
The loan is counted up to ₹7,50,000 (75% of the ₹10 lakh maximum project). Interest above 5% is yours to pay.
“इकाई लागत के 75 प्रतिशत पर या हितग्राही द्वारा बैंक से प्राप्त ऋण पर जो भी कम हो 5 प्रतिशत वार्षिक ब्याज की दर से (अधिकतम रू. 25,000 प्रतिवर्ष) ब्याज की प्रतिपूर्ति 7 वर्षों तक विभाग द्वारा की जाएगी।”A 6-month loan against your produce of up to ₹2,00,000 or 60% of its value (whichever is less), interest-free for the first month, with storage insurance paid by the market committee.
The disclosure does not print the interest rate after the first month; ask the APMC before pledging.
“ಈ ಯೋಜನೆಯಡಿ ರೈತರಿಗೆ ಅವರ ಉತ್ಪನ್ನಗಳ ಆಧಾರದ ಮೇಲೆ ಅಲ್ಪಾವಧಿ (6 ತಿಂಗಳ ಅವಧಿಗೆ) ಸಾಲವನ್ನು ನೀಡಲಾಗುತ್ತದೆ. ಸಾಲದ ಗರಿಷ್ಠ ಮೊತ್ತ ರೂ.2,00,000-00 ಅಥವಾ ಉತ್ಪನ್ನದ ಮೌಲ್ಯದ ಶೇ.60ರಷ್ಟು ಇದರಲ್ಲಿ ಯಾವುದು ಕಡಿಮೆಯೋ ಅಷ್ಟು. ಸಾಲ ನೀಡಿದ ಮೊದಲ ತಿಂಗಳಿಗೆ ಯಾವುದೇ ಬಡ್ಡಿಯನ್ನು ವಿಧಿಸಲಾಗುವುದಿಲ್ಲ. ಈ ಯೋಜನೆಯಡಿ ಉತ್ಪನ್ನಗಳ ದಾಸ್ತಾನು ಇಡಲು ಆಗುವಂತಹ ವಿಮೆ ಹಾಗೂ ಇನ್ನಿತರೆ ವೆಚ್ಚಗಳನ್ನು ಮಾರುಕಟ್ಟೆ ಸಮಿತಿಯೇ ಭರಿಸುತ್ತದೆ.”