PCARDB Animal Husbandry Loan Tamil Nadu | Cooperative Bank
Overview
The Primary Cooperative Agriculture and Rural Development Bank (PCARDB) in Tamil Nadu offers dedicated loans for animal husbandry activities. This scheme supports farmers and rural households engaged in dairy farming, poultry, goat rearing, and similar allied agricultural practices.
Animal husbandry is a vital supplement to crop farming for many Tamil Nadu families, and this scheme ensures they have the credit to sustain it.
Objective
The scheme provides rural households with accessible capital to purchase livestock, construct sheds, buy feed, and meet veterinary costs. It strengthens the rural economy by supporting a productive allied sector.
Benefits
- Loans for purchasing livestock, poultry, and related equipment
- Covers shed construction, feed, and veterinary expenses
- Cooperative interest rates lower than commercial bank rates
- Repayment cycle designed around livestock income patterns
Eligibility
- Must be a member of a Tamil Nadu PCARDB
- Must be engaged in or planning to start animal husbandry
- Must be a resident of Tamil Nadu
- Must have a satisfactory repayment track record with the cooperative
Exclusions
- Applicants not associated with the cooperative bank
- Urban applicants with no connection to rural agriculture
- Individuals with pending defaults on previous cooperative loans
Application Process
- Visit the local PCARDB branch and meet the agricultural credit officer
- Inform them of the specific animal husbandry activity for which the loan is needed
- Collect and fill the loan application form
- Submit with supporting documents
- Bank officer may visit the proposed site for verification
- Loan is sanctioned and funds disbursed
Documents Required
- PCARDB membership certificate
- Land ownership or lease records
- Description of the proposed animal husbandry activity
- Veterinary or technical recommendation if required
- Aadhaar card
- Bank account details
- Income proof
- Photographs
