Bihar Agriculture & Dairy/Fisheries Credit Assistance Scheme
This profile has been independently compiled from official gazette notifications and verified web domains. Source Authority Link: agri.bihar.gov.in Authority: Finance Department (Bihar) • State/Region: Bihar • Last Audited: 30 Jul 2026
Quick AI Summary
Provides short‑term cooperative credit, interest subsidies on agricultural machinery, and capital assistance for dairy unit establishment in Bihar.
Detailed Summary
Scheme Overview
The Government of Bihar, in coordination with the Ministry of Agriculture & Farmers' Welfare, implements a credit assistance programme that augments the Kisan Credit Card (KCC) facility with a 3 % state‑sponsored interest subsidy on crop loans. The scheme also extends a matching subsidy of up to 50 % on capital outlay for dairy unit set‑up under the Sudha dairy network, and offers concessional financing for fisheries and related equipment.
Operational Mechanism
State‑level funds are transferred to participating cooperative societies and Primary Agricultural Credit Societies (PACS). Eligible beneficiaries receive the subsidy directly as a reduction in the effective interest rate on the disbursed loan. For dairy projects, the subsidy is credited against the principal amount, reducing the borrower’s repayment burden.
Funding Sources
Subsidies are financed from the Bihar State Agriculture Development Fund and are synchronized with central animal husbandry credit lines to avoid duplication.
Key Benefits & Financial Assistance
| Comparison Criteria | Benefits |
|---|---|
| Key Benefits |
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Eligibility Criteria Profile
| Comparison Criteria | Eligibility |
|---|---|
| Occupation Status | Farmer |
| Domicile State | Bihar Domicile |
Application Process Guide
- Obtain the application form from the nearest PACS or district animal husbandry office.
- Submit required documents (identity proof, land ownership/ tenancy proof, KCC copy, dairy cooperative membership certificate).
- The cooperative society forwards the application to the District Agriculture Office for verification.
- Upon approval, the subsidy amount is credited to the loan account at the time of disbursement.
Common FAQs regarding this Yojana
The scheme provides an additional 3 % interest subsidy on the prevailing KCC crop loan rate, payable by the state government.
Any farmer or dairy cooperative member domiciled in Bihar who intends to establish a dairy unit under the Sudha network and meets the documentation requirements.
No collateral is required for eligible small‑holder farmers; the subsidy is applied directly to the loan interest or principal as per the scheme guidelines.