CentralBank of India-Rural Agri Banking
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Cent Dairy Scheme


To provide finance for establishment of dairy units for milk production.


Individuals, farmers, groups of farmers, firms, companies, societies, NGOs etc.

Quantum of loan

Unit cost excluding Margin Money.
Based on viability of the project and repaying capacity of the borrower/s.


For loans upto Rs.1.00 lakh : Nil
For loans above Rs.1 lakh and upto Rs.5 lakh : 10%
For loans above Rs.5 lakh and upto Rs.10 lakh : 15%
For loans above Rs.10 lakh : 20%

Rate of Interest

 Limit  Rate of interest %
 Upto Rs.50,000/-   MCLR + 0.50
 AboveRs.50,000/- to upto Rs.5 lakh   MCLR + 1.00
 Above Rs.5 lakh to upto Rs.25 lakh   MCLR + 1.50
 Above Rs.25 lakh   MCLR + 2.00

Processing Charges


Inspection Charges

Up to Rs. 2 lakh : Nil
More than Rs.2 lakh up to Rs.5 lakh : Rs.200/-
More than Rs.5 lakh up to Rs.50 lakh : Rs.500/-
Above Rs.50 lakh : Rs.1000/-


For Loans up to Rs. 1 Lac:
Primary : Hypothecation of Livestock and other assets Created
out of Bank finance.
Collateral : Nil
For Loans above Rs. 1 Lac:
Primary : Hypothecation of assets Created out of Bank Finance.
Collateral : Creation of Mortgage/Charge on land having Market
value at least to the extent of 100% of loan amount.


Repayment period will depend on the cash flow and will vary between 3-7 years.

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