Business, & agriculture finance

Kisan Credit Card for Animal Husbandry and Fisheries

Agricultural cash credit for livestock, poultry, dairy and fisheries working capital, with limits below ₹50 lakh and government-supported rates up to ₹2 lakh.

QuantumNo minimum ceiling; maximum below ₹50 lakh, with district-level scale of finance determining the limit Interest rate7% p.a. fixed up to ₹2 lakh subject to Government of India subvention; additional 3% prompt-repayment subvention can reduce effective rate to 4%; overdue rate links to 1-year MCLR + bank spread Customer typeAnimal husbandry and fishery farmers, tenant farmers, SHGs, JLGs and eligible groups

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✓ Manually checked 4 Sept 2026 · active

Offered byState Bank of India

India

Key facts

What the official sources publish

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QuantumNo minimum ceiling; maximum below ₹50 lakh, with district-level scale of finance determining the limitEffective 5 Feb 2026View source

Minimum loan: no ceiling; maximum loan: < ₹50 lakhs; scale fixed by DLTC.

Source: for Animal Husbandry and Fisheries
Page / section: Quantum of Loan
Accessed: 4 Sept 2026
Confidence: high

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FacilityAgricultural cash credit for animal husbandry and fisheries working capitalEffective 5 Feb 2026View source

Type of facility: Agricultural Cash Credit.

Source: for Animal Husbandry and Fisheries
Page / section: Type of Facility
Accessed: 4 Sept 2026
Confidence: high

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Interest rate7% p.a. fixed up to ₹2 lakh subject to Government of India subvention; additional 3% prompt-repayment subvention can reduce effective rate to 4%; overdue rate links to 1-year MCLR + bank spreadEffective 5 Feb 2026View source

7% up to Rs 2 lakh with 1.5% subvention; additional 3% prompt repayment subvention reduces effective rate to 4%; overdue loans link to 1-year + spread.

Source: for Animal Husbandry and Fisheries
Page / section: Interest Rate
Accessed: 4 Sept 2026
Confidence: high

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EligibilityFishers/fish farmers, individual or group farmers, sharecroppers and tenant farmers; poultry, small-ruminant and dairy farmers including SHGs/JLGs; required owned/leased assets, licences or sheds; not a defaulterEffective 5 Feb 2026View source

The page lists inland/marine fishery, poultry, small-ruminant and dairy borrower groups and required assets/permissions.

Source: for Animal Husbandry and Fisheries
Page / section: Eligibility Criteria
Accessed: 4 Sept 2026
Confidence: high

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Security and marginNo separate margin; primary hypothecation of livestock/stock/assets; equitable or registered mortgage and other liquid security ordinarily 100% of loan; collateral waived up to ₹2 lakh, or ₹3 lakh with tie-upEffective 5 Feb 2026View source

Margin inbuilt in scale of finance; collateral security ordinarily 100% of loan, waived up to stated limits.

Source: for Animal Husbandry and Fisheries
Page / section: Margin and Security
Accessed: 4 Sept 2026
Confidence: high

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Processing chargesNil up to ₹3 lakh; above ₹3 lakh, 0.65% of loan amount plus GSTEffective 5 Feb 2026View source

limits up to Rs 3 lakh nil; more than Rs 3 lakh 0.65% + .

Source: for Animal Husbandry and Fisheries
Page / section: Processing Charges
Accessed: 4 Sept 2026
Confidence: high

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Turnover / vintageNo turnover or business-vintage threshold is published on the complete reviewed official product pageView source

The reviewed pages state customer, activity, land, group, credit-score and account conditions where applicable, but do not publish a turnover or business-vintage threshold for these products.

Source: agriculture product catalogue and linked official product pages
Page / section: Complete product-page review; eligibility and features
Accessed: 4 Sept 2026
Confidence: high

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Repayment tenureNot published on the reviewed official page; the facility is agricultural cash credit with district-level scale of financeEffective 5 Feb 2026View source

No numeric repayment tenure is stated after review of the complete official page.

Source: for Animal Husbandry and Fisheries
Page / section: Complete repayment/terms review
Accessed: 4 Sept 2026
Confidence: high

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Geographic limitsIndiaView source

The manually reviewed product record states: “India”.

Source: Kisan Credit Card for Animal Husbandry and Fisheries — official product page
Page / section: Published product metadata
Accessed: 4 Sept 2026
Confidence: high

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Customer typeAnimal husbandry and fishery farmers, tenant farmers, SHGs, JLGs and eligible groupsView source

The manually reviewed product record states: “Animal husbandry and fishery farmers, tenant farmers, , and eligible groups”.

Source: Kisan Credit Card for Animal Husbandry and Fisheries — official product page
Page / section: Published product metadata
Accessed: 4 Sept 2026
Confidence: high

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DocumentsApplication; photographs; certified ownership/lease proof; activity proof; Aadhaar for subvention loans; mandatory e-KYC; other sanctioned documentsView source

The manually reviewed product record states: “Application; photographs; certified ownership/lease proof; activity proof; Aadhaar for subvention loans; mandatory e-; other sanctioned documents”.

Source: Kisan Credit Card for Animal Husbandry and Fisheries — official product page
Page / section: Published product metadata
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Maximum limit below ₹50 lakh; district scale of finance applies
7% p.a. up to ₹2 lakh, with prompt-repayment effective rate of 4% where subvention applies
Collateral waived up to ₹2 lakh, or ₹3 lakh with tie-up
limits up to ₹3 lakh have nil processing charge

Eligibility

Fishers, fish farmers, livestock/poultry/dairy farmers, tenant farmers, and with required assets, licences or sheds; applicant must not be a defaulter.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Application; photographs; certified ownership/lease proof; activity proof; Aadhaar for subvention loans; mandatory e-; other sanctioned documents

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹19,382nineteen thousand three hundred eighty-two rupees

Interest paid over the full loan₹21,51,794twenty-one lakh fifty-one thousand seven hundred ninety-four rupees

Everything you repay₹46,51,794forty-six lakh fifty-one thousand seven hundred ninety-four rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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ProductChoose column

DAY-NRLM Finance · Published amount/limit₹1.50–₹20 lakh

This value is copied from additional agriculture catalogue products — page tables. Check the table notes before relying on it.

Source: agriculture product catalogue and linked official product pages · Agriculture catalogue — Micro Credit, Gold Loan, Farm Mechanisation, Allied Activities and Miscellaneous Activities Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 11 rows · 5 columnsSBI additional agriculture catalogue products — page tablesStructured transcription of every numeric term, eligibility rule, fee, rate, security and payment condition published on the reviewed product pages.View tableHide table

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SBI additional agriculture catalogue products — page tables
Product	Published amount/limit	Rate and fees	Tenure/payment	Eligibility/security
DAY-NRLM Finance	₹1.50–₹20 lakh	7% to 10.40% p.a.; nil charges	Term 24–84 months; cash credit 12 months	Rural DAY-NRLM active 6 months; no collateral; margin up to 10% above ₹10 lakh
Co-lending individual	₹10,000–₹3 lakh	10.50% fixed minimum + servicer fee; 10.50–20.00%; nil charges	12–36 months incl. 1-month moratorium	Similar-member ; nil margin and security
Direct Linkage to	₹50,000–₹20 lakh	14% p.a.; no processing/documentation/inspection fee up to ₹5 lakh	Term 24–60 months; cash credit 36 months	6-month , grading/corpus; collateral nil; margin 10% above ₹10 lakh
Finance	₹60,000–₹10 lakh	12% fixed p.a.; nil charges	12–36 months incl. 1-month moratorium	Similar-member ; nil margin and security
Multi Purpose Agricultural Gold Loan	₹5,000–₹25 lakh	8.85% p.a.; processing nil to ₹50,000, then 0.50%/0.30% tiers +	12 months	Farmers/allied borrowers; pledge of gold ornaments
Combine Harvester Loan	₹5–₹35 lakh	1-year + 3.50%; 1.50% processing fee	Half-yearly principal-equated instalments; maximum tenure not stated	20% margin; land and credit-score rules; documents listed
Animal Husbandry & Fisheries	No minimum ceiling; below ₹50 lakh	7% up to ₹2 lakh; effective 4% with prompt repayment; nil to ₹3 lakh then 0.65% +	Working-capital cash credit	Fishery/livestock farmers and groups; collateral waiver up to ₹2 lakh or ₹3 lakh with tie-up
Agri Clinic and Agri Business Centres	₹20 lakh individual; ₹1 crore group	1-year + 2% up to ₹50 lakh; processing nil to ₹2 lakh then 1.40% +	Up to 10 years incl. 24-month moratorium	Age 18–60 eligible agri qualifications; subsidy subject to terms
Polyhouse Loan	₹1 lakh–₹5 crore	+ 2% up to ₹50 lakh; processing as guidelines	72 months incl. 12-month moratorium	15% margin; assured irrigation; collateral nil up to ₹1.60 lakh
Cold Storage/Warehouse Construction	₹1 lakh–₹50 crore	1-year + 2% up to ₹50 lakh	120 months incl. 24-month moratorium; half-yearly instalments	25% margin; broad entity eligibility; published collateral tiers
Rinn Samadhan 2025–26	Agri cut-offs ₹10–₹20 lakh	5% early-bird incentive; interest/expense concessions	10% + 10% + balance within 90 days; scheme ends 31 Mar 2026	Specified only; fraud/wilful-default/NCLT and other exclusions

Rows preserve the official page values; where a page explicitly gives no numeric maximum (Combine Harvester tenure), that absence is retained rather than inferred.

agriculture product catalogue and linked official product pages · Agriculture catalogue — Micro Credit, Gold Loan, Farm Mechanisation, Allied Activities and Miscellaneous Activities · accessed 4 Sept 2026Open official source ↗

Kisan Credit Card for Animal Husbandry and Fisheries

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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