Rajasthan Gopal Credit Card Scheme

What is the Rajasthan Gopal Credit Card Scheme?

Rajasthan Gopal Credit Card Scheme is a short-term credit facility for cattle and dairy owners, run by the state's Cooperative Department through milk producer cooperative societies and the cooperative banking network. The scheme gives an eligible livestock farmer a loan of up to Rs 1,00,000 that carries no interest if repaid within one year and requires no collateral.

The scheme is the livestock counterpart of the Kisan Credit Card. Rajasthan has one of the largest cattle populations of any Indian state, and a very large share of rural income comes from milk rather than from crops. Yet a dairy farmer needing Rs 30,000 for fodder before a lean season had few formal options and frequently ended up borrowing informally at punishing rates. Gopal Credit Card, locally called Gopal Credit Card Yojana, was designed to replace exactly that transaction.

Key features

• Loan limit of Rs 1,00,000 per eligible beneficiary.
• Zero interest on repayment within one year.
• No property mortgage and no conventional collateral demanded.
• Repayment can be made in convenient instalments across the year.
• Administered through milk producer cooperative societies, which verify the borrower's genuineness.
• Rs 150 crore sanctioned by the state for implementation, with the scheme aimed at benefiting several lakh cattle-owning families.

Who is eligible for the Gopal Credit Card?

You can apply if:

• You are a resident of Rajasthan with a Jan Aadhaar family record.
• You are at least 18 years old.
• You are a cattle or dairy owner actively engaged in milk production.
• You own an appropriate number of milch animals: cows or buffaloes in milk, verified by the society.
• You are a member of a milk producer cooperative society affiliated to the district milk union. This is not optional; it is the core eligibility test.
• You hold a bank account capable of receiving the disbursal.

You cannot apply and are not eligible if:

• You are not a resident of Rajasthan.
• You are not a member of a milk producer cooperative society, even if you own cattle.
• You own no milch animals or have no milk supply record with the society.
• You are under 18 years of age.
• You are an existing defaulter on a cooperative or bank loan, or your society membership is suspended.
• A member of the same family has already taken a Gopal Credit Card loan against the same Jan Aadhaar and livestock.

What documents are required?

How to apply for the Gopal Credit Card online

1. Open the state single sign-on portal at sso.rajasthan.gov.in and log in with your SSO ID. If you do not have one, register free using Jan Aadhaar, Bhamashah or Google.
2. Search the application list for the Gopal Credit Card or the Cooperative Department (Rajsahkar) service and open it.
3. Enter your Jan Aadhaar number so the portal pulls your family and personal details, and verify the mobile number linked to Aadhaar.
4. Fill in the milk producer cooperative society name and membership number, the number and type of milch animals you own, and the loan amount you are seeking, up to Rs 1,00,000.
5. Enter your bank account number and IFSC code, and upload the scanned documents.
6. Submit the application and save the application or reference number displayed on the acknowledgement.
7. Wait for the society to verify your milk supply record and forward it to the linked cooperative bank for sanction and disbursal.

How to apply for the Gopal Credit Card offline

1. Visit your milk producer cooperative society office in the village with your Jan Aadhaar card, Aadhaar card, membership details and bank passbook.
2. Ask the society secretary for the Gopal Credit Card application form and fill in your personal, livestock and bank details.
3. Submit the form to the society, which verifies your membership and milk supply record and forwards it to the associated cooperative bank or district milk union.
4. Complete the bank formalities, signature, KYC and the loan documentation; at the branch when called.
5. Collect the acknowledgement or sanction letter and note the loan account number for repayment.

An eMitra kiosk can also complete the online application on your behalf for the notified service fee if you prefer not to file it yourself.

How much can you borrow, and how is it repaid?

The maximum under the Gopal Credit Card is Rs 1,00,000. The sanctioned amount for an individual depends on the number of milch animals held and the society's assessment of the applicant's genuine working capital need, so a farmer with two buffaloes will typically be sanctioned less than one running a ten-animal herd.

Repayment is expected within one year of disbursal, and can be made in instalments through the year rather than as a single bullet payment. The interest-free character of the loan is conditional on that one-year discipline — this is the point borrowers most often miss. If the loan runs past its term, the concession lapses and the lending bank charges interest on its normal terms, and the borrower's future eligibility under cooperative schemes is affected.

Funds are meant for dairy working expenses: cattle feed and fodder, veterinary treatment and medicines, insemination charges, milking equipment, chaff cutters, and minor shed repair. Using a short-term interest-free facility for unrelated household spending is the fastest route to a repayment default.

How to check your Gopal Credit Card application status

1. Log in again at sso.rajasthan.gov.in with the same SSO ID used to apply.
2. Open the Cooperative Department service and choose the application status or dashboard option.
3. Enter your application or reference number and check whether the record shows society verified, forwarded to bank, sanctioned or disbursed.
4. If the status has not moved for several weeks, ask your society secretary directly; applications most often stall at the society verification stage rather than at the bank.

Why Gopal Credit Card applications get rejected

• Society membership not confirmed or membership number entered wrongly.
• No milk supply record with the society, so the livestock claim cannot be substantiated.
• Existing default on a cooperative loan by the applicant or the family.
• Name mismatch between Aadhaar, Jan Aadhaar and the bank account.
• Duplicate application from the same family against the same animals.
• Budget exhausted for the current round, the scheme runs against a sanctioned outlay, so a valid application may simply wait for the next round rather than being rejected on merit.

Correcting a society record is done at the society, not at the bank or the portal. Take your membership passbook and milk supply slips to the secretary and ask for the record to be updated before you resubmit.

Where do you complain?

• Milk producer cooperative society secretary, for membership and verification issues.
• District milk union office, which oversees the societies in your district.
• District Cooperative Bank branch, for sanction, disbursal and repayment questions.
• Registrar, Cooperative Societies, Rajasthan through rajsahakar.rajasthan.gov.in for departmental grievances.
• Rajasthan Sampark on 181 or at sampark.rajasthan.gov.in for a trackable written complaint.

Applying for a Gopal Credit Card is free apart from the notified eMitra service fee if you use one. No agent can arrange a sanction, no official will ask for your bank OTP, and no advance payment is required to "release" the loan.