Karnataka Pashu Bhagya Scheme: Loan & Subsidy Details

Introduction of Karnataka Pashu Bhagya Scheme: A Brief Insight

Many small farmers and landless workers in Karnataka know how to rear animals but cannot afford to buy their first cow, goat or flock of sheep. Arranging money for a livestock business can be difficult, and taking a bank loan may feel like a heavy financial burden. The Pashu Bhagya Scheme (Pashu Bhagya Yojane) helps these families start a livestock unit with a bank loan and financial support from the Government.

The Chief Minister of Karnataka announced the scheme in the Budget Speech for 2015-16. The Government approved it through an order dated 4 August 2015. The scheme aims to help poor families create a regular source of income through animal husbandry.

The Animal Husbandry and Veterinary Services Department implements the scheme. Farmers can approach the Department’s veterinary hospitals and taluk or district offices for assistance with the application and other formalities.

The main objective is to improve the income of small and marginal farmers, agricultural labourers and eligible poor women through livestock farming. The scheme also aims to increase the production of milk, meat and eggs across Karnataka.

Under the scheme, an eligible farmer can obtain a bank loan of up to ₹1.20 lakh from a commercial bank to establish a cattle, sheep, goat, pig or poultry unit. The Government provides a back-ended subsidy of 50% to Scheduled Caste (SC) and Scheduled Tribe (ST) farmers and 25% to other eligible small and marginal farmers.

Farmers can also obtain a cooperative bank loan of up to ₹50,000 at 0% interest to meet cattle feed expenses. Members of milk producers’ cooperative societies can also receive an insurance premium subsidy for up to 5 cattle.

According to the official scheme portal, around 1,10,385 applications were received from 2018-19 onwards. Of these, approximately 40,580 farmers received benefits, with the Government releasing subsidies worth about ₹169 crore.

To apply, a person must belong to an eligible category, such as a small or marginal farmer, agricultural labourer or milk producers’ cooperative society member, and must reside in Karnataka. The applicant must also obtain bank approval because the Government releases the subsidy only after the bank sanctions and disburses the loan.

Eligible farmers can apply online through the Seva One portal. They can also visit a Grama One, Bangalore One or Karnataka One centre for offline assistance. The nearest veterinary hospital can guide applicants through the process, while the Assistant Director or Deputy Director of Animal Husbandry can provide information about the application deadline.

Farmers who want insurance protection for their animals can also explore the Livestock Insurance Scheme and the Rashtriya Pashudhan Bima Yojana. These schemes help protect livestock owners against financial losses caused by the death of insured animals. Farmers in dryland areas who want to conserve rainwater for crops and livestock can also read about the Krishi Bhagya Scheme.

Farmers who need credit for fodder, livestock care and other agricultural expenses can learn about the Kisan Credit Card Scheme. Those looking for annual financial assistance for farming can also explore the PM Kisan Samman Nidhi Yojana.

Farmers, dairy owners, shepherds, women and other residents looking for agriculture, animal husbandry and rural welfare schemes can explore our Welfare Schemes of the Karnataka Government page to find more programmes offered by the State Government.

Benefits Provided to Eligible Beneficiaries

Many small farmers and agricultural labourers know how to rear animals but cannot afford the initial cost of buying livestock and setting up a unit. The Pashu Bhagya Scheme (Pashu Bhagya Yojane) helps them overcome this financial barrier. Under the scheme, a bank provides the loan, while the Government covers a part of the project cost through a subsidy, reducing the financial burden on eligible beneficiaries.

Livestock Units You Can Start

• Dairy farming unit with cows or buffaloes
• Sheep or goat rearing unit
• Pig farming unit
• Poultry farming unit
• A commercial bank loan of up to ₹1.20 lakh for an eligible livestock unit

Subsidy on the Unit

• Scheduled Caste (SC) and Scheduled Tribe (ST) farmers receive a back-ended subsidy of 50%.
• Other eligible small and marginal farmers receive a back-ended subsidy of 25%.
• The Government releases the subsidy after the bank sanctions and disburses the loan. This subsidy reduces the beneficiary’s overall loan burden.

What It Means in Rupees

• A dairy unit with 2 crossbred cows costs approximately ₹1,20,000. This includes ₹50,000 for each cow and ₹20,000 for transportation, insurance and feed.
• For this unit, a general category farmer can receive a subsidy of up to ₹30,000, while an SC or ST farmer can receive up to ₹60,000.
• A goat unit with 10 goats and 1 male goat costs approximately ₹67,440. The subsidy amounts to ₹16,860 for a general category farmer and ₹33,720 for an SC or ST farmer.
• A poultry unit with 500 broilers costs approximately ₹85,000.
• These figures are illustrative examples based on bank records. The actual project cost and subsidy may vary depending on the year and the type of livestock unit.

Loan for Cattle Feed at No Interest

• Eligible farmers can obtain a short-term cooperative bank loan of up to ₹50,000.
• The loan carries 0% interest and works like a crop loan.
• Farmers can use this amount to purchase cattle feed and meet other maintenance expenses, helping them keep their animals healthy and productive.

Insurance Premium Subsidy

• Members of milk producers’ cooperative societies can receive an insurance premium subsidy for up to 5 cattle.
• This support helps protect farmers against financial losses if an insured animal dies.

How Many Families Have Benefited?

• According to the scheme’s official portal, around 1,10,385 applications were received from 2018-19 onwards.
• Approximately 40,580 farmers received benefits, and the Government released subsidies worth about ₹169 crore (₹16,918.2 lakh).
• These figures indicate that a little more than one in three applicants received benefits. Applicants should submit complete documents and follow the application process carefully.

How the Scheme Helps You

• Creates an opportunity to earn a regular income through milk, meat, eggs or livestock.
• Reduces the financial burden through a government subsidy linked to the bank loan.
• Helps farmers become less dependent on daily wage employment.
• Allows families to build a productive livestock asset that can support their livelihood over time.

Good to Know

• The Government releases the subsidy after the bank sanctions the loan. Therefore, discuss your loan requirements with the bank before applying.
• Confirm the current subsidy rates, eligible livestock units and application deadline with your nearest veterinary hospital or taluk office, as scheme rules may change.
• Keep your bank account active and repay your loan on time to maintain a good repayment record.

Eligibility Conditions Required to be Fulfilled

The Pashu Bhagya Scheme (Pashu Bhagya Yojane) supports eligible residents of Karnataka who want to start a small livestock business but need financial assistance. The Animal Husbandry and Veterinary Services Department helps them establish livestock units through bank loans and government subsidies.

Before applying, check the following eligibility conditions, loan requirements and subsidy rules to understand whether you qualify for the scheme.

Basic Eligibility

• The applicant must be a resident of Karnataka.
• The applicant must be a small or marginal farmer, agricultural labourer or member of a milk producers’ cooperative society.
• According to available reports, widows, former Devadasis and distressed women can also receive benefits under the scheme to support their livelihood.
• The applicant must plan to establish a livestock unit for cattle, sheep, goats, pigs or poultry.
• The applicant must be eligible to obtain a bank loan of up to ₹1.20 lakh from a commercial bank, as the subsidy is linked to the loan.

Subsidy and Loan Rules

• Scheduled Caste (SC) and Scheduled Tribe (ST) applicants receive a back-ended subsidy of 50%. The Government increased this rate from 33% in August 2015.
• Other eligible small and marginal farmers receive a back-ended subsidy of 25%.
• The subsidy is released after the bank sanctions the loan. The bank first approves the loan, and the Government provides the eligible subsidy afterwards.
• Eligible farmers can also obtain a short-term cooperative bank loan of up to ₹50,000 at 0% interest for cattle feed and maintenance.
• Members of milk producers’ cooperative societies can receive an insurance premium subsidy for up to 5 cattle.

Who Is Not Eligible?

• Applicants who do not reside in Karnataka.
• Applicants who do not belong to any of the eligible categories, such as small or marginal farmers, agricultural labourers or eligible women, and are not members of a milk producers’ cooperative society.
• Applicants whose bank loan applications are rejected, as the subsidy depends on bank loan approval.
• Applicants who have already received a subsidy for the same type of livestock unit, according to available reports.

Check Before You Apply

• Contact your nearest veterinary hospital, the Assistant Director of Animal Husbandry at your taluk level or the Deputy Director at your district level to confirm the application deadline and the current scheme status in your area.
• Get your FRUITS Farmer ID (FID) if you do not already have one. The Department uses this ID to access your farmer details, and you can seek registration assistance from a veterinary institution.
• Speak to a commercial bank before applying and confirm whether it can provide a loan for your proposed livestock unit.
• Carry all the required documents so that the concerned officer can check your eligibility and guide you through the application process.

Documents Required to be Attached

The Pashu Bhagya Scheme (Pashu Bhagya Yojane) helps small and marginal farmers, agricultural labourers and milk society members set up livestock units with the support of bank loans and back-ended subsidies. The Animal Husbandry and Veterinary Services Department implements the scheme.

Applicants need to submit documents to prove their identity, category, residence and bank details. If you already have a FRUITS Farmer ID (FID), the Department can use it to access most of your details, which may reduce the number of documents you need to provide. Keep the following documents ready before applying.

• FRUITS Farmer ID (FID), if available
• Aadhaar Card of the applicant
• First page of the bank passbook showing the account number and IFSC code
• Caste certificate for Scheduled Caste (SC) or Scheduled Tribe (ST) applicants claiming the 50% subsidy
• Land record (RTC), if you own land and plan to keep the livestock there
• Residence proof showing your address in Karnataka
• Family ration card
• Recent passport-size photograph
• Details of the proposed livestock unit, including the type of animals (cattle, sheep, goats, pigs or poultry) and their number
• Milk producers’ cooperative society membership proof, if you want to claim the insurance premium subsidy for up to 5 cattle
• Category certificate or supporting proof, if applying as a widow, Devadasi or distressed woman

How Beneficiaries Can Apply to Avail the Benefit of the Scheme

Farmers and other eligible applicants can apply for the Pashu Bhagya Scheme (Pashu Bhagya Yojane) through two methods. They can submit an online application through the Government of Karnataka’s Seva One portal or visit a Grama One, Bangalore One or Karnataka One centre for offline assistance.

Applicants can also visit their nearest veterinary hospital for help with the application form and FRUITS Farmer ID. Before starting, decide which livestock unit you want to establish and keep your documents ready. Follow the steps below to complete the process.

Before You Start

Step 1: First, decide which livestock unit you want to start. You can choose cattle, sheep, goats, pigs or poultry, depending on your budget and available space.

Step 2: Check whether you meet the eligibility conditions. You must belong to an eligible category, such as a small or marginal farmer, agricultural labourer or milk producers’ cooperative society member, and live in Karnataka.

Step 3: Get your FRUITS Farmer ID (FID) through the Government of Karnataka’s FRUITS portal, if you do not already have one. The Department uses this ID to access your farmer details, which can reduce the paperwork required during application.

Step 4: If you do not know how to register on the FRUITS portal, visit your nearest veterinary hospital and ask the staff for help. You can also request assistance with FRUITS registration while submitting your application.

Step 5: Keep your Aadhaar card, bank passbook, caste certificate (if claiming the 50% subsidy), land record, residence proof and recent photograph ready. Carry the original documents along with their copies.

Step 6: Visit or contact a commercial bank and discuss the loan required for your proposed livestock unit. Confirm whether the bank can provide a loan of up to ₹1.20 lakh for your project.

Apply Online for Pashu Bhagya on the Seva One Portal

Step 1: Visit the Seva One portal of the Government of Karnataka using your mobile phone or computer.

Step 2: If you are using the portal for the first time, complete the registration process. Existing users can log in with their account details.

Step 3: After logging in, look for the Pashu Bhagya Scheme service under the Animal Husbandry and Veterinary Services Department.

Step 4: Open the scheme service and read the instructions displayed on the portal. Select the option to proceed with the application.

Step 5: Enter your personal details, residential address, bank information and the type of livestock unit you want to establish. Make sure the information matches your supporting documents.

Step 6: Upload the required documents, including your Aadhaar card, bank passbook and caste certificate, wherever applicable.

Step 7: Review the complete application carefully. Correct any mistakes before submitting the form.

Step 8: Submit your application and save the acknowledgement number generated by the portal. You will need this number to check your application status later.

Apply Offline at a Grama One, Bangalore One or Karnataka One Centre

Step 1: Visit a nearby Grama One centre if you live in a village, a Bangalore One centre in Bengaluru or a Karnataka One centre in another covered area.

Step 2: Tell the staff that you want to apply for the Karnataka Pashu Bhagya Scheme. They will guide you to the application service.

Step 3: Hand over the required document copies to the operator. Show the original documents as well if the operator needs to verify your details.

Step 4: Provide the information needed to fill out the application. Check your name, address, bank details and selected livestock unit before the operator moves ahead.

Step 5: Ask the operator to submit your application through the available online service.

Step 6: Collect the acknowledgement slip after submission. Keep it safely because it contains the details needed to follow your application.

Step 7: If the centre charges a service fee, ask for the amount and collect a receipt. Do not pay anyone for a guaranteed approval.

You can also approach your nearest veterinary hospital or taluk veterinary hospital for application assistance. The concerned officer can guide you through the process and provide an acknowledgement after receiving your application.

Track Your Application and Print the Acknowledgement

Step 1: Keep your application acknowledgement number or FRUITS Farmer ID ready before checking the status.

Step 2: Open the Pashu Bhagya application tracking page.

Step 3: Enter the required details, such as your acknowledgement number or Farmer ID, and submit them to view your application status.

Step 4: If you need a copy of your application receipt, visit the Print Acknowledgement page and follow the instructions to print it.

Step 5: If you cannot check the status online, visit your taluk veterinary hospital and ask the staff to help you find the latest application details.

Bank Loan and Subsidy

Step 1: After submitting your application, wait for the concerned Department to examine your details and approve your proposal.

Step 2: Once you receive approval, approach the concerned commercial bank and complete its loan application form for an amount of up to ₹1.20 lakh.

Step 3: Wait for the bank to sanction and release the loan. Purchase the animals only after receiving the bank’s approval, and follow the veterinary officer’s guidance while setting up your unit.

Step 4: Allow the concerned officers to inspect your livestock unit and verify the animals, as required under the scheme.

Step 5: After completing the required formalities, wait for the Government to release your eligible subsidy of 25% or 50%. Ask the bank how it will adjust the subsidy against your loan.

Step 6: Repay the remaining loan amount according to the bank’s repayment schedule. Make sure you pay the instalments on time.

If You Need Help

Step 1: For basic application-related questions, contact the staff at your nearest Grama One, Bangalore One or Karnataka One centre.

Step 2: You can also visit your nearest veterinary hospital and speak to the veterinary officer. For information about the application deadline and current scheme status, contact the Assistant Director of Animal Husbandry at your taluk level or the Deputy Director at your district level.

Step 3: For official information, visit the Animal Husbandry and Veterinary Services Department website or the official Pashu Bhagya portal.

Important: The Pashu Bhagya Scheme application does not have an application fee. A service centre may charge for its services, but nobody can guarantee approval in exchange for money. Before applying, confirm the latest application procedure, subsidy rates and last date with your nearest veterinary hospital or the concerned department.

If the Bank Does Not Sanction Your Loan: What to Do

The Government releases the Pashu Bhagya subsidy only after a bank sanctions and disburses the loan. Therefore, if the bank rejects your loan application, you may not be able to receive the scheme subsidy. However, you can take the following steps to understand the problem and try again.

• Ask the bank manager for the exact reason for rejecting your loan application. Find out whether you need to submit any missing documents or correct any information.
• Correct the mistakes, arrange the missing documents or provide the required details, and ask the bank whether you can submit a fresh application.
• Approach another commercial bank and check whether it can provide a loan for your proposed livestock unit under the scheme.
• Contact your nearest veterinary officer or the Assistant Director of Animal Husbandry at your taluk level. Explain the problem and ask for guidance with the loan process.
• Do not purchase the animals before the bank sanctions and disburses the loan. The scheme subsidy depends on the bank loan, so complete the required formalities first.

Important Links Available of the Scheme

• Pashu Bhagya Scheme official portal
• Track Pashu Bhagya application status
• Pashu Bhagya Scheme FAQs and application guidance
• Seva One portal for online scheme applications
• FRUITS portal for farmer registration and Farmer ID
• Pashu Bhagya Scheme details and livestock subsidies, Karnataka
• Pashu Bhagya Scheme benefits and subsidy details, Gadag district
• Animal Husbandry schemes, Vijayanagara district
• Animal Husbandry and Veterinary Services Department, Karnataka

Contact Details in Case of Help Needed

• Department: Commissioner of Animal Husbandry and Veterinary Services, Government of Karnataka, 1st Floor, Pashupalana Bhavana, Opposite CBI Office, Bellary Road, Hebbal, Bengaluru – 560024
• Phone: 080-23414988, 080-23418075
• Email: commissionerahvs@gmail.com
• Local Help: The veterinary officer of your nearest veterinary hospital or dispensary
• Taluk Level: The Assistant Director of Animal Husbandry at your taluk office, or the taluk veterinary hospital
• District Level: The Deputy Director of Animal Husbandry at your district office
• Centres: The staff of your nearest Grama One, Bangalore One or Karnataka One centre

Frequently Asked Questions (FAQs)

Tabassum

Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.