Last Updated on: 12/02/2025
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AHIDF – (Animal Husbandry Infrastructure Development Fund)
Objective
To improve dairy/meat processing/animal feed plant and value addition infrastructure in the country
Nature and Purpose of Advance
Term loan & Working capital facility for Individual entrepreneurs/private companies/MSME units/FPO/Section 8 companies to establish:
Dairy processing and value addition infrastructure
Meat processing and value addition infrastructure
Animal feed plant
Quantum of Loan
Minimum- No Minimum
Maximum- No Minimum
Security
Credit Guarantee will be provided only for those projects which are viable and are covered under MSME defined ceilings and the guaranteed coverage would be up to 25 % of the Credit facility available to the Borrower.
In other cases:
Up to Rs. 2.00 Lakhs: Hypothecation of assets created out of loan. Nil Collateral
Above Rs. 2.00 Lakhs: Loan should be adequately secured by way of immovable property whose value is not less than/ equal to the loan amount.
Margin
Micro & Small enterprise - 10% of the project cost
Medium enterprise - 15% of the project cost
Others - 25% of the project cost
Repayment
Maximum 10 Years
Holiday Period
Maximum 24 Months
Rate of Interest
For MSME Projects: RLLR (9.10% at present) + 2.00% = 11.10% at present
For Other Projects:
Up to Rs.5 Lakhs - 1 Year MCLR (9.10% at present) + 1.40% (spread) = 10.50% at present.
Above Rs. 5 Lakhs up to Rs. 25 Lakhs - 1 Year MCLR (9.10% at present) + 2.25% (spread) = 11.35% at present.
Above Rs. 25 Lakhs up to Rs. 1.00 crs - 1 Year MCLR (9.10% at present) + 2.75% (spread) = 11.85% at present.
Above Rs. 1.00crs - 1 Year MCLR (9.10% at present) + 3.25% (spread) = 12.35% at present.
Interest Subvention
3 % for all Eligible Entities provided by Department of Animal Husbandry and Dairying
Processing Charges
Up to Rs. 25000/- - Nil
Above Rs. 25000/- up to Rs. 3 Lakhs - 0.30% of the loan amount
Above Rs. 3 Lakhs - 0.71% of the loan amount