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ভারত বিশ্বের বৃহত্তম দুধ উৎপাদক হিসাবে আত্মপ্রকাশ করেছে, যা 2021-22 সালে বিশ্বব্যাপী দুধ উৎপাদনের 24.64% অবদান রাখে. এই উল্লেখযোগ্য কৃতিত্ব শুধুমাত্র সরকারের অটল সমর্থন এবং ডেয়ারি অন্ত্রপ্রেনরশিপ ডেভেলপমেন্ট স্কিম (ডিইডিএস) এর মতো উদ্যোগগুলির সফল বাস্তবায়নের মাধ্যমে সম্ভব হয়েছিল.
ভারত সরকার সেপ্টেম্বর 2010 সালে DEDS ডেয়ারি লোন স্কিম চালু করেছে. এর লক্ষ্য ছিল দেশের ডেয়ারি সেক্টরে স্ব-কর্মসংস্থানের সুযোগ তৈরি করা এবং ডেয়ারি উদ্যোক্তাদের আর্থিক সহায়তা প্রদানের মাধ্যমে দুধের উৎপাদন উন্নত করা.
যদি আপনি আগ্রহী হন, তাহলে আপনি এই স্কিমের অধীনে ডেয়ারি লোনের জন্য আবেদন করতে পারেন. Read on to learn in detail about the DEDS scheme’s key objectives, components, and eligibility criteria.
Overview of the Dairy Entrepreneurship Development Scheme
The Dairy Entrepreneurship Development Scheme was implemented by the Department of Animal Husbandry, Dairying and Fisheries in September 2010. Under this scheme, the National Bank for Agriculture and Rural Development (NABARD) provides business loans to aspiring entrepreneurs looking to start milk production and processing ventures.
The primary objective of the DEDS scheme was to encourage investment and entrepreneurship in the country’s dairy sector. Due to its special focus on bringing milk processing to the village level, the scheme has been a key contributor to socio-economic development in rural areas.
DEDS dairy loan scheme aims to achieve these five goals:
1. Promote the establishment of modern dairy farms to produce clean milk.
2. Encourage the rearing of heifer calves to conserve good breeding stock.
3. Bring structural changes in the unorganised sector so that initial milk processing can be done at the village level.
4. Replace the traditional technology with the latest innovations to handle milk on a commercial scale.
5. Generate self-employment and provide infrastructure mainly for the unorganised sector.
DEDS scheme: Key components & subsidy structure
Here’s the detailed breakdown of components of the DEDS scheme and capital subsidies:
উপাদান
Unit Cost
Capital Subsidy
Establishment of small dairy units with cross-breed or indigenous cows like Red Sindhi, Sahiwal, Rathi, Gir, etc., or graded buffaloes up to 10 animals.
Rs. 5 lakhs for 10 animal unit – minimum unit size is 2 animals with an upper limit of 10 animals.
25% of the project cost (33.33% for ST/SC farmers) as capital subsidy. The subsidy is restricted on a pro-rata basis to a maximum of 10 animals subject to a ceiling of Rs.17,500 (Rs.23,300 for ST/SC farmers) or actual, whichever is lower.
Rearing of heifer calves (indigenous breeds of cattle, cross-bred and graded buffaloes up to 20 calves)
Rs. 4.80 lakhs for 20 calf unit – the minimum unit size of 5 calves with an upper limit of 20 calves.
25% of the project cost (33.33% for ST/SC farmers) as capital subsidy. The subsidy is restricted on a pro-rata basis to a maximum of 20 calf units subject to a ceiling of Rs.12,100 per calf (Rs.16,200 for ST/SC farmers) or actual, whichever is lower.
Vermicompost with a milch animal unit (to be considered with small dairy farm/milch animals and not separately)
Rs. 20,000
25% of the project cost (33.33% for ST/SC farmers) as capital subsidy. The subsidy is subject to a ceiling limit of Rs.6,300 (Rs.8,400 for ST/SC farmers) or actual, whichever is lower.
Purchase of milking machines, milkotesters or bulk milk cooling units up to 5,000 litre capacity
₹ 18 লক্ষ
25% of the project cost (33.33% for ST/SC farmers) as capital subsidy. The subsidy is subject to a ceiling limit of Rs.5 lakh (Rs.6.67 lakh for ST/SC farmers) or actual, whichever is lower.
Purchase of dairy processing equipment to manufacture indigenous milk products
₹ 12 লক্ষ
25% of the project cost (33.33% for ST/SC farmers) as capital subsidy. The subsidy is subject to a ceiling limit of Rs.3.3 lakh (Rs.4.4 lakh for ST/SC farmers) or actual, whichever is lower.
Establishment of cold chain and dairy product transportation facilities
₹ 24 লক্ষ
25% of the project cost (33.33% for ST/SC farmers) as capital subsidy. The subsidy is subject to a ceiling limit of Rs.6.625 lakh (Rs.8.830 lakh for ST/SC farmers) or actual, whichever is lower.
Cold storage facilities for milk and milk products
₹ 30 লক্ষ
25% of the project cost (33.33% for ST/SC farmers) as capital subsidy. The subsidy is subject to a ceiling limit of Rs.8.25 lakh (Rs.11 lakh for ST/SC farmers) or actual, whichever is lower.
Establishment of private veterinary clinics
Rs. 2.40 lakhs for a mobile clinic and Rs 1.80 lakhs for stationary clinic.
25% of the project cost (33.33% for ST/SC farmers) as capital subsidy. The subsidy is subject to a ceiling limit of Rs.65,000 and Rs.50,000 (Rs.86,600 and Rs 66,600 for ST/SC farmers), respectively, for mobile clinics and stationary clinics or actual, whichever is lower.
Dairy marketing outlet or dairy parlour
Rs. 56,000
25% of the project cost (33.33% for ST/SC farmers) as capital subsidy. 25% of the project cost (33.33% for ST/SC farmers) as back ended capital subsidy. The subsidy is subject to a ceiling limit of Rs.75,000 (Rs.1 lakh for ST/SC farmers) or actual, whichever is lower.
Eligibility criteria for dairy loan under DEDS scheme
Under the DEDS scheme, the following entities are eligible for the NABARD loan for dairy farming:
1. Farmers
2. Single entrepreneurs
3. NGOs
4. Panchayati Raj institutions
5. Groups from unorganised sectors
6. Organised sector groups, such as self-help groups (SHGs), dairy cooperative societies, milk unions, and milk federations.
Furthermore, the government has also set the following terms and conditions for availing of the benefits under the DEDS scheme:
1. An entity can apply for assistance only once for each component of the scheme.
2. More than one family member can receive assistance if they set up separate units with separate infrastructure at locations at least 500 meters apart.
Who should apply: Dairy loan scheme benefits for MSME, SHGs, farmers & cooperatives
The DEDS under the dairy entrepreneurship development scheme supports a wide range of applicants aiming to grow or start dairy-based ventures through the dairy loan scheme:
Farmers: Individuals planning to start or expand dairy units, purchase high-yield cattle, or improve sheds and equipment under the DEDS scheme.
MSMEs: Small dairy businesses involved in milk production, processing, or distribution seeking an MSME loan for dairy farm growth.
Self-Help Groups (SHGs): Women-led or community groups setting up collective dairy enterprises using the dairy entrepreneurship development scheme.
Cooperatives: Registered dairy cooperatives investing in milk collection, chilling, or processing infrastructure through the deds.
Overall, the dairy loan scheme encourages entrepreneurship, rural income generation, and organized dairy sector development.
Under the DEDS scheme, NABARD offers dairy farm loans aligned with the Reserve Bank of India’s guidelines. Banks charge interest on the loan amounts until subsidies are disbursed to the beneficiaries. Once the beneficiary receives the subsidy, banks levy the interest on the remaining loan amount (after subtracting the subsidy).
The loan repayment period usually ranges from 3 to 7 years, depending on business activity and cash flow. Moreover, beneficiaries get a grace period of 3 to 6 months for dairy farm loans, and calf-rearing unit owners receive a grace period of up to 3 years.
Step-by-step: How to apply for dairy entrepreneurship loan online
Applying for a DEDS loan under the dairy entrepreneurship development scheme is a simple, structured process.
Follow these steps to access the dairy loan scheme online:
Check eligibility for the DEDS scheme, including applicant category and project type.
Prepare a basic project report outlining cattle purchase, infrastructure, and costs.
Choose a participating bank offering the dairy entrepreneurship development scheme.
Submit the online application with KYC, land records, and bank statements.
Apply for an MSME loan for dairy farm if registering as an enterprise.
Bank evaluates the proposal and conducts field verification.
On approval, loan is sanctioned and subsidy linked under DEDS.
This step-by-step approach helps streamline approvals and timely disbursement under the dairy loan scheme.
Documents required for DEDS dairy loan application
To apply for a DEDS loan under the dairy entrepreneurship development scheme, applicants must submit the following documents as part of the dairy loan scheme:
Identity and address proof (Aadhaar, PAN, or Voter ID)
সাম্প্রতিক পাসপোর্ট-সাইজের ছবি
Bank account details and statements
Project report as required under the DEDS scheme, covering cattle, infrastructure, and costs
Land ownership papers or valid lease agreement for the dairy unit
Income proof for individual applicants
MSME registration and basic business documents when applying for an MSME loan for dairy farm
Submitting complete documents helps ensure smooth processing and quicker approval under DEDS.
Common challenges, subsidy caps & latest DEDS updates
Before applying under DEDS, it helps to understand practical hurdles, subsidy limits, and recent changes linked to the dairy entrepreneurship development scheme and the dairy loan scheme:
Common challenges: Applicants under the DEDS scheme often face documentation gaps, delayed subsidy credit, bank-level appraisal delays, and limited awareness, especially in rural areas.
Subsidy caps: Subsidies under DEDS are capped as a percentage of project cost, with fixed limits per animal or unit, which may not fully cover rising setup expenses.
Scheme updates: While the original dairy entrepreneurship development scheme has evolved, its objectives continue through allied dairy-focused initiatives.
Alternative funding: Entrepreneurs can also explore an MSME loan for dairy farm expansion alongside existing dairy finance options.
List of eligible dairy business activities under DEDS scheme
Under DEDS of the dairy entrepreneurship development scheme, the dairy loan scheme supports the following eligible activities:
Setting up small to medium dairy units with milch animals under the DEDS scheme
Purchase of high-yielding cows or buffaloes
Construction or renovation of dairy sheds and storage facilities
Installation of bulk milk coolers and milk testing equipment
Establishment of vermicompost or manure management units
Small milk processing and value-added activities linked to an MSME loan for dairy farm
Dairy farm loans by NABARD under the Dairy Entrepreneurship Development Scheme have played a key role in transforming India into a milk production powerhouse. The scheme has also helped around 1.86 lakh entrepreneurs who had set up mini dairy units create employment for 2 people per unit.
Easy access to small business loans is vital for the growth of agricultural businesses. That’s why Tata Capital offers MSME loans of up to Rs. 90 lakhs at attractive interest rates. Furthermore, the flexible tenure ensures you can repay your loan conveniently.
দুগ্ধ শিল্পোদ্যোগ উন্নয়ন স্কিমের অধীনে ডিইডিএস কৃষক, এমএসএমই, এসএইচজি এবং সমবায়গুলিকে ডেয়ারি লোন স্কিমের মাধ্যমে ডেয়ারি ইউনিট শুরু বা প্রসারিত করতে সহায়তা করে.
ডেয়ারি অন্ত্রপ্রেনরশিপ ডেভেলপমেন্ট স্কিমের অধীনে আমি কত লোন/সাবসিডি পেতে পারি?
DEDS স্কিমের অধীনে, ভর্তুকি নির্ধারিত ক্যাপের সাথে প্রোজেক্টের খরচের সাথে যুক্ত করা হয়; অবশিষ্ট পরিমাণটি ডেয়ারি লোন স্কিমের অধীনে ব্যাঙ্ক লোন হিসাবে ফাইন্যান্স করা হয়.
DEDS স্কিমের অধীনে MSME ডেয়ারি লোনের জন্য কী কী ডকুমেন্ট প্রয়োজন?
ডেয়ারি ফার্মের জন্য MSME লোনের জন্য, DED এর জন্য KYC, ব্যাঙ্ক স্টেটমেন্ট, প্রোজেক্ট রিপোর্ট, জমি/লিজের প্রমাণ এবং ডেয়ারি উদ্যোক্তা উন্নয়ন স্কিমের অধীনে MSME রেজিস্ট্রেশন প্রয়োজন.
DEDS ডেয়ারি লোনের জন্য সুদের হার এবং রিপেমেন্টের মেয়াদ কত?
ডেয়ারি লোন স্কিমের অধীনে সুদ এবং মেয়াদ ব্যাঙ্কের নিয়মের উপর নির্ভর করে; DEDS স্কিমের ভর্তুকি যোগ্য আবেদনকারীদের জন্য কার্যকর রিপেমেন্টের বোঝা হ্রাস করে.
কৃষক গোষ্ঠী, এসএইচজি এবং ডেয়ারি সমবায়গুলি কি ডিইডিএস স্কিমের জন্য আবেদন করতে পারে?
হ্যাঁ, ডেয়ারি উদ্যোক্তা উন্নয়ন স্কিমের অধীনে ডিইডিএস যোগ্য ডেয়ারি কার্যকলাপের জন্য কৃষক গোষ্ঠী, এসএইচজি এবং সমবায়গুলি থেকে আবেদন করার অনুমতি দেয়.
DEDS ডেয়ারি লোনের দ্বারা কভার করা প্রধান ব্যবসায়িক কার্যক্রমগুলি কী কী?
DEDS স্কিম ডেয়ারি ইউনিট, গবাদি পশু কেনা, শেড, দুধ ঠান্ডা করা, খাদ পরিচালনা এবং ডেয়ারি লোন স্কিমের অধীনে ছোট প্রক্রিয়াকরণ কভার করে.
How do I apply online for NABARD DEDS dairy loan?
Applicants submit proposals to participating banks; approved loans are linked to DEDS subsidy under the dairy entrepreneurship development scheme through NABARD channels.
What is the difference between DEDS and other government dairy schemes?
DEDS focuses on credit-linked subsidy via banks, while other schemes may offer infrastructure or program-based support without a direct MSME loan for dairy farm link.
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