Pashu Kisan Credit Card
A collateral-free loan up to ₹3 lakh, effectively at 4% interest after subvention, to buy or maintain cattle, buffalo, goats or other livestock.
Run by: Animal Husbandry and Dairying Department, Government of Haryana
- Loan limit
- Up to ₹3 lakh
- Effective interest
- 4% after subvention
- Interest-free tier
- Up to ₹1.60 lakh
- Collateral
- Not required up to the limit
- Cards issued
- ~10 lakh (FY2026-27)
- Launched
- 26 January 2021
Overview
Modelled on the crop Kisan Credit Card, this version extends the same working-capital-loan logic to livestock — money for buying animals, feed, and routine veterinary costs, without needing to pledge land or other collateral for smaller loan amounts.
The card works like a revolving credit line up to the sanctioned limit rather than a one-time loan, so a dairy farmer can draw and repay against it as cash flow from milk sales comes in.
Haryana was the first state in the country to launch this scheme, on 26 January 2021. The nominal interest rate on the card is 7%, brought down by a 3% central-government subvention plus a further 4% waiver from the Haryana government itself — which, combined with the standard prompt-repayment incentive on timely accounts, works out to effectively interest-free borrowing on amounts up to ₹1.60 lakh.
What you get
The benefit as the state notifies it — nothing here is an estimate.
- Collateral-free loan up to ₹3 lakh for livestock purchase and maintenance.
- Effective interest rate of about 4% per year after the government subvention.
- Works as a revolving credit line, not a single disbursal.
- Covers cattle, buffalo, goats and other approved livestock.
Who is eligible
State schemes usually state their criteria as prose rather than a checklist. This is that prose, unpacked — the department’s verification is what decides.
You qualify if
- Livestock owner or farmer in Haryana keeping cattle, buffalo, goats or similar animals
- No overdue loan default with the lending bank
- Basic KYC and animal-ownership details verifiable by the bank/animal husbandry department
Not covered
- Loan amount beyond the sanctioned limit typically requires collateral
Documents you need
Have these ready before you start — most rejections are a missing paper, not a missing right.
- Aadhaar card
- Livestock ownership/health card details
- Bank passbook
- Passport-size photograph
How to apply
Fewer steps than a central scheme, and usually one office rather than a portal.
- 1
Apply at a participating bank branch
Approach a bank branch offering Pashu Kisan Credit Card, or apply through the animal husbandry department's camp/portal.
- 2
Verification of livestock and KYC
The bank verifies animal ownership and basic documents before sanctioning the credit limit.
- 3
Card issuance and drawdown
Once issued, draw funds as needed up to the sanctioned limit and repay per the bank's terms to keep the effective interest low.
If something goes wrong
Missing from the list, or payment stuck — here is the channel the department itself publishes for it.
- For a rejected application, a disputed sanction, or an interest-subvention discrepancy, first raise it with the lending bank branch or the district Animal Husbandry and Dairying office.
- If unresolved, escalate through CM Window, Haryana's public grievance redressal and monitoring system, running since 25 December 2014 — file online at cmharyanacell.nic.in or in person at any e-Disha Kendra, DC office or SDM office. You get an SMS with a tracking number, and the prescribed maximum time for disposal is 45 days.
Frequently asked questions
Is this the same as the regular Kisan Credit Card?
It is a livestock-focused version of the same concept, run alongside the crop Kisan Credit Card, not a replacement for it.
Do I need collateral for a small loan?
No, loans up to the notified limit are collateral-free; larger amounts may require security as per bank norms.
What is the actual interest rate I pay?
The nominal rate is higher, but government interest subvention brings the effective cost down to about 4% a year for timely repayment.
Is any part of this loan completely interest-free?
Yes — on amounts up to ₹1.60 lakh, the combination of the 3% central subvention, Haryana's own 4% waiver, and the standard prompt-repayment incentive works out to effectively interest-free borrowing for a farmer who repays on time.
When did Haryana launch this scheme, and is it unique to the state?
Haryana launched it on 26 January 2021 and was the first state in the country to do so — other states have since introduced their own versions, but Haryana was first.
Facts checked against pashudhanharyana.gov.in on 8 September 2026. editorial policy.