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Dairy farming is one of the most significant contributors to the Indian GDP, being a primary income source for approximately 30 million people. Bajaj Finserv offers a hassle-free dairy farm loan of up to Rs. 45 lakh at affordable rates of interest to fund the urgent expenses of your growing dairy business.


Dairy Loan

In a dairy farm business, entrepreneurs are likely to incur expenses like acquiring raw materials, supplementing the manufacturing process, product processing, storage and warehousing, etc. A dairy farm business loan of up to Rs. 45 lakh that comes with quick approval can help farmers, business owners, and dairy societies meet such expenses with ease.

Features and Benefits of Dairy Farm Loan

  • Loans for modern-day dairy requirements

    With an easy and quick business loan of up to Rs. 45 lakh, you can now invest in modernising the dairy farm infrastructure.

  • Fast application approval

    Get quick approval in just 24 hours on a dairy farm loan online application and fulfil your business needs instantly.

  • Flexi loan facility

    Dairy farm loan from Bajaj Finserv also comes with a Flexi-loan facility, you can withdraw funds from a pre-sanctioned credit limit as and when needed. Interest is charged only on the amount withdrawn and not on the total loan sanctioned. You may choose to pay interest-only EMIs for the initial part of the tenor and reduce your monthly instalment by up to 45%*.

  • Education loan scheme

    No collateral required

    A dairy project loan is collateral-free, which means even first-time business owners can get funds without pledging a personal or business asset as collateral.

Dairy Farm Loan Eligibility

Individuals and entrepreneurial groups can fulfil simple eligibility criteria and qualify for a quick and hassle-free dairy loan. Following are the factors that determine the dairy loan eligibility of an applicant:
  • Age: Between 24 to 70 years* (*Age should be 70 years at loan maturity.)
  • Credit score: 685 or higher.
  • Vintage proof: Applicant must have a dairy business running for at least 3 years.

Documents Required for Dairy Farm Loan

This hassle-free dairy farm business loan requires minimal paperwork. Applicants need to submit the following dairy loan documents during the application process:
  • Age: Between 24 to 70 years* (*Age should be 70 years at loan maturity.)
  • KYC documents - Applicants need to submit government-approved KYC documents like Aadhaar, PAN, Voter ID, driving license, etc.
  • Address proof - In addition to the KYC documents, applicants will have to submit proof of address, such as electricity or water bill, rent agreement, or passport.
  • Financial documents - Copy of financial documents such as I.T. returns, GST returns, bank account statements, and CA-audited balance sheets.
  • Ownership proof - The applicant will also have to submit proof of sole proprietorship or ownership deeds for the business.

Dairy Farm Loan Interest Rates and Fees

Bajaj Finserv offers competitive rates of interest on an MSME loan for dairy farm. The latest fees and interest charges are listed in the table below:

Particulars Applicable Charges
Interest rate 17% p.a. onwards
Processing charges Up to 2% of corpus + taxes
Bounce charges Up to Rs. 3000
Default penalty 2% p.m.
Document processing charges Rs. 2000 + taxes
Outstation collection charges N.A.
Document and statement charges Download e-statements at no additional cost from our customer portal - Experia. Obtain a physical copy of loan documents from our branches at just Rs. 50 per certificate.

Dairy Loan FAQs

Query 1: How to get loan for dairy farm from Bajaj Finserv?

You can apply for a dairy farm loan online from our official website after meeting the simple eligibility criteria. The process for the same is as follows:  

  • Fill up the online dairy loan application form on the official website.
  • Submit all the relevant documents to complete the loan application process.
  • Get the loan amount disbursed into your account within 24 hours of approval.

Query 2: How much loan can I get for a dairy farm?

You can get an unsecured business loan of up to Rs. 45 lakh to finance your dairy. This amount can help you cover various expenses such as setting up a new farming unit, modernising infrastructure, buying cattle, transportation, storage, and warehousing.

Query 3: Can I get a loan for dairy farming?

Individuals, entrepreneurs, business owners, and farmers with a history in dairy activities who meet the eligibility criteria can easily avail loans to start dairy farming after submitting a handful of documents. These eligibility factors include:
  • Age: Between 24 to 70 years* (*Age should be 70 years at loan maturity.)
  • Credit score: 685 or higher
  • Vintage proof: proof of business activities
  • Documents: KYC, address proof, income proof, ownership deeds

Query 4: How much money is needed to start a dairy farm?

Individuals starting a new dairy farm will need to cover expenses, including establishing a new unit or expanding an old farming unit, purchasing new equipment, rearing calves and cross-breeds, constructing shelves, etc. These costs can range anywhere in the range of Rs. 10 lakh or above. You can avail of a dairy farm loan of up to Rs. 45 lakh from Bajaj Finserv that can help comfortably meet such expenses.

Query 5: What are the foreclosure charges applied on a dairy farm loan from Bajaj Finserv?

Bajaj Finserv's foreclosure charges on a dairy farm business loan are nominal. In the case of a normal term loan, you have to pay 4% (plus taxes) on the outstanding loan amount on the date of such a prepayment. If you have opted for a Flexi loan facility, you have to pay 4% (plus taxes) on the total withdrawable amount as per the repayment schedule on the date of such a prepayment. For more information about the applicable rates and charges, click here.

Benefits of Working Capital Finance for your Business

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