To Provide Interest Subvention to Animal Husbandry of the State at the Rate of 4% to the Beneficiaries Kisan Credit Card

What is the 4% interest subvention for animal husbandry Kisan Credit Card holders?

To Provide Interest Subvention to Animal Husbandry of the State at the Rate of 4% to the Beneficiaries Kisan Credit Card is a credit-support scheme of the Agriculture, Farmers Welfare and Co-operation Department, Government of Gujarat.

The scheme rewards prompt repayment. A cattle breeder who has drawn a short-term loan against a Kisan Credit Card, and who repays it on time, receives a 4% subvention on the interest for that loan. The effect is to cut the effective cost of working capital for buying fodder, concentrate feed, veterinary treatment and other recurring inputs of a dairy or livestock enterprise.

The Kisan Credit Card was originally designed for crop loans, and was later extended to animal husbandry and fisheries so that livestock keepers could access the same short-term revolving credit. Gujarat's scheme sits on top of that national instrument as a state top-up: the bank lends, and the state pays part of the interest.

How much benefit does the scheme give?

According to the scheme record published on the Government of India's myScheme portal, the assistance is stated as:

Read that carefully, because it is often misread. Rs 2,00,000 is the ceiling on the loan, not the amount received. What the breeder receives is a 4% reduction in the interest burden on that loan. On a Rs 2,00,000 short-term loan held for a full year, a 4% subvention is worth up to Rs 8,000 of interest. On a smaller loan, or a loan held for part of a year, it is proportionately less.

The benefit is available once in a financial year, so a breeder who draws and repays multiple short-term loans within the same year does not multiply the subvention.

Who is eligible for the animal husbandry interest subvention?

You can apply if:

• You are a cattle breeder or animal husbandry practitioner in Gujarat.
• You took a short-term loan during the financial year from one of these:
• a Primary Agricultural Credit Co-operative Society,
• a District Central Co-operative Bank,
• a nationalised bank,
• a Gramin bank, or
• a private bank.
• You repaid the loan on time.

You cannot apply if:

• You repaid late. Timely repayment is not a preference in this scheme, it is the condition. A defaulted or rescheduled account is not eligible.
• Your loan was not taken during the financial year for which the claim is filed.
• Your loan was not for animal husbandry. A pure crop loan is covered by the central and state crop-loan interest subvention arrangements instead, not by this animal husbandry line.
• You are looking for a benefit you can claim by filling a form yourself. As explained below, individual breeders cannot apply directly under this scheme.

How to apply for the animal husbandry interest subvention

This is the point most readers get wrong, so it is worth stating plainly. There is no citizen application form. The scheme is settled bank-to-government, and the breeder's only task is to hold the right kind of loan and repay it on time.

1. Take the short-term loan against your Kisan Credit Card from a Primary Agricultural Credit Co-operative Society, a District Central Co-operative Bank, a nationalised bank, a Gramin bank or a private bank, for animal husbandry purposes.
2. Repay the loan on or before the due date. Ask your branch to confirm the exact due date in writing, since the entire benefit turns on this.
3. Tell your branch you want to be included in the state interest subvention claim. The bank from which the short-term loan was availed has to submit the integrated interest subvention proposal for its area of operation to the Registrar, Co-operative Societies, Gujarat State, Gandhinagar.
4. Keep your documents ready for the bank's file, the KCC details, the loan sanction and repayment statement, an identity proof such as Aadhaar or Voter ID, proof of your animal husbandry activity such as cattle ownership records, and the bank loan account details.
5. Check your loan account after the claim cycle. The subvention is adjusted through the loan account, so ask the branch to show you the credit entry.

What documents does the bank need?

Why a claim can fail

• Repayment after the due date, even by a few days.
• Loan account classified as overdue or restructured during the year.
• The bank branch did not include the account in the consolidated proposal sent to the Registrar of Co-operative Societies. This is the failure mode breeders can actually do something about; follow up with the branch manager in writing.
• Loan purpose recorded as crop production rather than animal husbandry.
• A second claim in the same financial year, which the once-a-year rule disallows.

How this differs from Gujarat's other livestock interest schemes

Gujarat runs several interest-support schemes for livestock keepers, and confusing them costs applicants time. The state scheme directory at mariyojana.gujarat.gov.in separately lists a 12% interest subvention for establishing a unit of one to twenty milch animals, available in general, Scheduled Caste and Scheduled Tribe versions, where the benefit runs for five years against a term loan taken from a nationalised bank or an RBI-recognised financial institution. That is a capital-investment scheme for buying animals. The scheme described on this page is different: it is a short-term working-capital subvention tied to a Kisan Credit Card, capped at a Rs 2,00,000 loan, and paid once a year.

Why the claim goes through a co-operative channel

The routing of this scheme through the Registrar of Co-operative Societies rather than through the Directorate of Animal Husbandry surprises people, but it follows the structure of rural credit in Gujarat.

Short-term agricultural and allied credit in the state has historically flowed through a three-tier co-operative system: Primary Agricultural Credit Co-operative Societies at village level, District Central Co-operative Banks at district level, and the state co-operative bank above them. The Registrar of Co-operative Societies supervises that structure, which is why the consolidated subvention proposals are addressed there even when the underlying loan came from a nationalised, Gramin or private bank.

For a breeder the consequence is practical. Because the claim is filed area-wise by the lender and settled institution-to-institution, there is no application number to track and no citizen-facing status portal for this scheme. The only visibility you have is your own loan account, and the only leverage you have is your branch. Ask the branch manager, in writing, whether your account was included in the subvention proposal for the relevant financial year, and keep the reply.

Gujarat's dairy sector makes the scheme's reach wider than the modest amounts suggest. Village-level dairy co-operative societies across the state are often the same institutions through which members access credit, so a breeder pouring milk into a village society is frequently already inside the channel that files these claims.

Where to get help

• Your lending branch, the Primary Agricultural Credit Co-operative Society, District Central Co-operative Bank or commercial bank that issued the KCC. This is the first and most useful point of contact, because the bank files the claim.
• Registrar, Co-operative Societies, Gujarat State, Gandhinagar — the office that receives the consolidated proposals.
• Directorate of Animal Husbandry, Gujarat, doah.gujarat.gov.in, for questions about livestock schemes generally.
• Agriculture, Farmers Welfare and Co-operation Department, agri.gujarat.gov.in.

No fee is payable for the subvention, and no agent can secure it for you. If a branch tells you the account was left out of the claim, ask for that in writing and escalate to the district co-operative office.