BANK LOAN ON IMPORTANT COMPONENT OF DAIRY BUSINESS - BANKABLE DAIRY PROJECTS

Banks provide loans on following components of dairy business.

India annually produce 120 MT milk, especially  by 70 million of small farmers and 147 million house hold depend on dairy. Milk production growth rate was an average  4.3 percent in the 1990s to 3.8 percent per annum in the 2000s.According to Government of India, demand for milk projected to grow to at least 180 MT 2020-21.Meeting this demand from domestic supply would required production will grow at 5.5 percent per annum.
Growing demand will be achieved by aiming animal productivity, strength & expend milk procurement infrastructure in rural area and enhance milk processing capacity and marketing.To accomplish second white revolution goal NDDB project investment about 2040 Cr. under National Dairy Plan.

Banks provide loans for following important components of dairy business:

·         Cattle and buffaloe breeding and calf rearing

·         Frozen semen banks and A.I. centers

·         Small, medium and commercial dairy units

·         Salvage of dry pregnant buffaloes from city dairies

·         Production of perennial Lucerne as green fodder

·         Fodder production on gochar lands( common village grounds) in the village

·         Silvi-pastoral schemes for production of fodder grasses, fodder trees, timber/fuel trees.

·         Conservation and storage of dry fodder and fodder banks

·         Production of fodder seeds

·         Mini and major cattle feed plants

·         Urea-molasses brick manufacturing units

·         Mobile veterinary service

·         Setting up of private veterinary practice

·         Electronic milk testers for dairy cooperatives

·         Equipment and machinery for processing of liquid milk and milk products

·         Other dairy machinery like milking machines, milk tankers,

·         Construction of milk houses for collection of milk from producers.

·         Manufacturing, storage and marketing of value added indigenous milk products.

Schemes and Funds on Dairy :

Sl.No.	Component	Maximum total project cost             (Rs. in lakhs)
1.	Establishment of small dairy farms-Ten animal unit (buffaloes/cross breed cows) for milk production	Rs.3.00 lakhs per unit (upto ten animals) -Any Non Operation Flood areas. -The total cost depends on the infrastructural facilities required.
2.	Purchase of milking machines / milkotester / bulk milk cooling unit etc.	Rs.15.00 lakhs Milking Machine, Milk-o-tester Bulk Milk Cooling units (upto 2000 lts capacity)
3.	Purchase of dairy processing equipment for manufacturing indigenous milk products.	Rs.10 lakhs per unit -Unit cost depends upon the quantum of milk to be handled and the type of products to be manufactured -The total cost depends upon the investment on civil structures, type and source of machinery.
4.	Establishment of dairy product transportation facilities including cold chain.	Rs.20 lakhs per unit -Unit cost depends upon the quantum of milk/milk products to be transported / handled and the type of products to be transported -The total cost depends upon the investment on type and source of transport vehicle and machinery
5.	Cold storage facilities for milk and milk products.	Rs. 25 lakhs per unit - Unit cost depends upon the quantum of milk/milk products to be stored and the type of products to be stored -While the cost depends upon the investment on type and source of machinery used.
6.	Establishment of private veterinary clinics.	Rs.2.00 lakhs per unit for Mobile clinics and Rs.1.5 lakhs for Stationary clinic -  Area of operation from 8 to 10 villages having 5000 to 6000 cattle units.