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Kisan Credit Card for Goat Farmers (Animal Husbandry KCC)

The Kisan Credit Card (KCC) is a bank credit line for farmers’ short-term needs. It has been extended to animal husbandry, so goat and sheep farmers can use it for running costs such as feed, fodder and veterinary care.

Your bank decides. Eligibility, the credit limit, interest and security are set by the bank under current Reserve Bank of India and government rules. GoatIndia.com is an independent website and cannot arrange a KCC.

What the KCC for animal husbandry covers

According to DAHD’s guideline (October 2021), the animal husbandry KCC gives working capital: money for the recurring costs of keeping animals, such as feed, fodder, medicines, labour, water and electricity. It is not meant for buying land or building a large shed; that is usually a separate term loan.

The guideline names sheep and goat farmers with owned, rented or leased sheds among those eligible, along with dairy, poultry and pig farmers, individually or in groups.

Interest and limits

The 2021 guideline described an interest subvention for short-term loans, which brought the effective rate down for farmers who repay on time. Its figures referred to earlier years, and rates and limits have changed since. Ask your bank for the current interest rate, the prompt-repayment benefit, and the limit up to which no collateral is needed.

DAHD has run a nationwide campaign to issue KCCs to animal husbandry and dairy farmers since June 2020. DAHD reported 48.64 lakh fresh KCCs sanctioned under it as of 28 August 2026.

How to apply

  1. Go to your bank branch (a commercial bank, regional rural bank, small finance bank or cooperative bank that issues KCCs), or ask at your District Animal Husbandry Office about KCC camps.
  2. Fill in the KCC application form and say that it is for animal husbandry (goat rearing).
  3. Attach the usual documents: identity and address proof, photographs, land or shed documents (owned, rented or leased), and details of your animals. Your bank will tell you exactly what it needs.
  4. The bank assesses your need based on the number of goats and the local cost of keeping them, and fixes your limit.

Knowing your monthly running cost helps. Work it out with the Feed Cost Calculator and the Cost & Profit Calculator.

Frequently asked questions

Can I get a KCC if I already have one for crops?

Ask your bank. The guideline allows animal husbandry credit for farmers who already have a crop KCC, within an overall limit that the bank sets.

Can I use a KCC to buy goats?

KCC is for running costs. Buying animals and building sheds is usually financed with a separate term loan. Ask your bank which product fits your plan.

What is the interest rate?

It depends on your bank and the current government interest subvention. Ask the bank for the rate and the benefit for repaying on time.

Official sources

See also: Goat Farming Loans & Government Schemes and Government & Research Resources.

Last checked: 11 November 2026. GoatIndia.com is not a government website.