The Haryana Pashu Kisan Credit Card Yojana was launched by the Haryana government’s Animal Husbandry and Agriculture Welfare Department with one clear goal: give farmers who raise animals access to affordable loans so they can grow their business without going to moneylenders or struggling for funds.
Under this scheme, eligible farmers get a Pashu Kisan Credit Card (PKCC) — and using this card, they can take loans of up to ₹3 lakh at just 4% annual interest rate. The loan is not given in one lump sum — it comes in 6 equal installments, directly into the farmer’s bank account.
What makes the Haryana Pashu Kisan Credit Card Yojana stand out is that the loan amount is calculated based on the number and type of animals you own. So a farmer with 2 cows and 1 buffalo gets a different loan amount than someone with a poultry farm. Everything is structured and transparent.
Key Highlights
Detail | Information |
Scheme Name | हरियाणा पशु किसान क्रेडिट कार्ड योजना |
Launched By | Haryana Government — Animal Husbandry Dept. |
Launch Year | 2022 |
Who Can Apply | Haryana resident livestock farmers |
Maximum Loan | Up to ₹3,00,000 |
Loan Without Security | Up to ₹1,60,000 (no collateral needed) |
Interest Rate | 7% (bank rate) — but farmer pays only 4% |
Government Subsidy | 3% interest rebate on timely repayment |
Loan Disbursement | 6 equal installments directly in bank account |
Card Usability | Works like a debit card at banks |
Card Delivery Time | 10–15 working days after approval |
Official Department | Animal Husbandry & Dairying, Haryana |
Table of Contents
What Problem Does This Scheme Solve?
Let’s be straightforward about what actually happens on the ground.
A livestock farmer in Haryana typically earns income when milk is sold, animals are sold, or eggs are collected. But the daily cost of feeding animals, getting them vaccinated, treating them when sick, or buying new animals — all of this needs cash upfront. And that cash is rarely available when you need it.
Here is the real problem most farmers face:
Money runs out before the business grows. A cow gets sick and the farmer can’t afford vet fees. A buffalo needs to be replaced but there’s no savings. The poultry farm could double in size but capital is missing. In all these cases, the farmer ends up borrowing from local moneylenders at 24–36% annual interest — which is 6 to 9 times more than what the Haryana Pashu Kisan Credit Card Yojana offers.
Banks were not accessible. Earlier, livestock farmers with no land documents or income proof couldn’t get loans easily from formal banks. This scheme changes that — the animals themselves count as the basis for the loan.
No health records = no treatment. Without money, many farmers skip veterinary checkups and vaccinations. This leads to animals getting sicker, dying, or producing less milk. The Haryana Pashu Kisan Credit Card Yojana ensures farmers have credit available to properly care for their animals.
Who Can Apply?
The Haryana Pashu Kisan Credit Card Yojana is open to all livestock farmers in Haryana who meet the following conditions:
- Must be a permanent resident of Haryana
- Must own livestock — cows, buffaloes, goats, sheep, pigs, or poultry
- The animals must have a valid insurance certificate and health card
- Must have a bank account (any nationalized or participating bank)
- No restriction on caste, religion, or gender — all communities eligible
- Both small farmers and larger livestock owners can apply
There is no income limit mentioned — but your loan amount depends directly on the number and type of animals you own.
What Do You Get?
The loan amount under the Haryana Pashu Kisan Credit Card Yojana is calculated per animal. Here is the exact breakdown based on official data:
Animal | Loan Amount Per Animal |
Cow | ₹40,783 per cow |
Buffalo | ₹60,249 per buffalo |
Goat / Sheep | ₹4,063 per animal |
Pig | ₹16,337 per pig |
Poultry (Egg-laying hens) | As per flock size |
Maximum loan: Up to ₹3,00,000 Without collateral / security: Up to ₹1,60,000
Interest rate breakdown:
- Banks charge 7% standard interest
- Under this scheme, the farmer pays only 4%
- If you repay the loan on time → government gives an additional 3% rebate
- Meaning: effectively, responsible farmers pay very little interest
How the loan reaches you: The total loan amount is divided into 6 equal installments and credited directly to your bank account. You can use the Pashu Kisan Credit Card like a regular debit card at any bank branch or ATM.
Before visiting the bank, make sure you have these documents ready:
- Aadhaar Card — for identity verification
- PAN Card — mandatory for loan processing
- Voter ID Card — additional ID proof
- Haryana Domicile / Residence Certificate — to prove you are a Haryana resident
- Animal Insurance Certificate — for the animals you are taking the loan against
- Animal Health Card — issued by a registered veterinary officer
- Details of animals — total count and type of each animal you own
- Bank Account Details — passbook or cancelled cheque
- Passport-size photographs — 2–4 copies
- Mobile Number — active number linked to your Aadhaar
Critical point: The animal insurance certificate and health card are non-negotiable. If your animals are not insured and do not have a health card, your application will not move forward. Get these done before you go to the bank.
How to Apply — Step by Step
The Haryana Pashu Kisan Credit Card Yojana application is done through banks — not online through a portal. Here is exactly how to do it:
Step 1 — Prepare your documents Collect all documents listed above. Make sure your animals are insured and have a valid health card. Without these two, the bank will reject the application.
Step 2 — Visit your nearest participating bank Go to any nationalized bank in your area that is participating in this scheme. Common banks include State Bank of India, Punjab National Bank, HDFC Bank, and other government-recognized banks. Ask the bank if they process Pashu Kisan Credit Card applications.
Step 3 — Collect the application form Ask the bank staff for the Pashu Kisan Credit Card Yojana application form. Fill it carefully with correct details — name, address, animal details, bank account number.
Step 4 — Attach all documents Attach photocopies of all required documents to the filled form. Double-check that the animal insurance certificate and health card are included.
Step 5 — Submit to the bank Submit the complete form to the bank. The bank will verify your documents and the information about your animals.
Step 6 — Verification and processing The bank will process your application. In some cases, a field officer may visit to verify your animals. This is normal — cooperate fully.
Step 7 — Card delivery Within 10–15 working days of approval, your Pashu Kisan Credit Card will be issued. The card works like a debit card and your loan amount will be credited in 6 installments.
Most Important Step Before Applying
Most farmers go to the bank and come back empty-handed — not because they are ineligible, but because they missed one thing.
Get your animals insured and get their health card made BEFORE you go to the bank.
This is the single most important step that determines whether your application gets approved or stuck. The bank cannot process your loan without proof that your animals are insured and medically certified. Here is how to do it:
- Visit your nearest government veterinary hospital or dispensary
- Get a health checkup done for your animals
- Request the vet to issue an Animal Health Card
- Apply for livestock insurance through any government-recognized insurance scheme (Pradhan Mantri Fasal Bima Yojana or state livestock insurance)
Once these two things are in place, your Haryana Pashu Kisan Credit Card Yojana application at the bank becomes straightforward.
There is no centralized online portal to track your Pashu Kisan Credit Card application status. However, you can:
- Visit the bank directly where you submitted the application and ask for an update
- Call the bank’s branch and ask about your application reference number
- Contact the Haryana Animal Husbandry Department for scheme-related queries:
Email: dg.ahd@hry.nic.in- Address: Pashu Dhan Bhawan, Bay No. 9–12, Sector-2, Panchkula, Haryana — 134109
- Ask your local ASHA worker, Panchayat, or agriculture extension officer for guidance on follow-up
- The Haryana Pashu Kisan Credit Card Yojana loan is purely for animal husbandry — cow, buffalo, goat, sheep, pig, poultry. Do not use it for other purposes.
- Loan up to ₹1,60,000 requires no security or collateral — you don’t need to mortgage land or property.
- Repay on time — you save 3% extra interest through the government rebate.
- The card works like a debit card — you can use it directly at the bank.
- Do not pay any agent or middleman to get this card — it is a free government process through banks.
- Your animals must be alive, insured, and health-certified at the time of application.
- The loan is disbursed in 6 installments, not as a lump sum.
- If your application is rejected, ask the bank for the specific reason in writing.
Resource | Link |
Animal Husbandry Dept. Haryana | |
Email — AHD Haryana | dg.ahd@hry.nic.in |
Family ID Login (for Haryana residents) | |
Family ID Update | |
Family ID Download | |
Haryana Government Portal |
It is a loan scheme by the Haryana government for livestock farmers. Under the Haryana Pashu Kisan Credit Card Yojana, farmers who raise cows, buffaloes, goats, pigs, or poultry can get loans up to ₹3 lakh at just 4% annual interest — through a special credit card issued by participating banks.
The loan amount depends on your animals. Per cow you get ₹40,783, per buffalo ₹60,249, per goat/sheep ₹4,063, and per pig ₹16,337. The maximum loan is ₹3,00,000. Up to ₹1,60,000 requires no security at all — you don't need to mortgage any land or property.
The bank's normal interest rate is 7%, but under the Haryana Pashu Kisan Credit Card Yojana, you only pay 4%. And if you repay the loan on time, the government gives you an additional 3% rebate — making it effectively very affordable compared to any private lender.
Neither. The application is done at your nearest bank branch — not online, not at a government office. Collect the form from the bank, fill it, attach your documents (especially animal insurance and health card), and submit. The card arrives within 10–15 working days.
No, you cannot. Animal insurance certificate and health card are mandatory documents. Without them, the bank will not process your application. Visit your nearest government veterinary hospital first, get the health card made, get the animals insured, and then go to the bank.
Yes, absolutely. There is no gender restriction. Any permanent resident of Haryana who owns livestock and meets the document requirements can apply — man or woman, any caste or religion.
After your documents are verified and the application is approved, the Pashu Kisan Credit Card is delivered within 10 to 15 working days. The loan amount is then credited to your bank account in 6 equal installments.