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Cent Dairy Scheme


To provide finance for establishment of dairy units for milk production.


Individuals, farmers, groups of farmers, firms, companies, societies, NGOs etc.

Quantum of loan

Unit cost excluding Margin Money.
Based on viability of the project and repaying capacity of the borrower/s.


For loans uptoRs1.60 lakh : Nil
For loans above Rs1.60 lakh and uptoRs5 lakh : 10%
For loans above Rs5 lakh and uptoRs10 lakh : 15%
For loans above Rs10 lakh : 20%

Rate of Interest



 Rate of interest %


  MCLR + 1

 AboveRs3.00 Lakh to uptoRs10 lakh

  MCLR + 2.30

 Above Rs10 lakh to uptoRs100lakh

  MCLR + 2.90

 Above Rs100 lakh

  As per rating of Borrower


Processing Charges

Upto Rs 3 Lakh/- : NIL

Above Rs 3 Lakh/- : @0.30%


UpFront Fee

Up to Rs 3 lakh : Nil
Above Rs 3 lakh/- : 50% of 1.25%(i.e 0.625%) 


For Loans up to Rs 1.60 Lac:
Primary :  Hypothecation of Livestock and other assets Created out of Bank finance.

Collateral: (Aggregating all Agricultural loans) For Loans up to `1.60 Lac: - Nil

For Loans above `1.60 Lac: - Creation of Mortgage/Charge on land having Market value at least to the extent of 100% of loan amount.



Repayment period will depend on the cash flow and will vary between 3-7 years