Gopal Credit Card Yojana

Why it matters

Cattle and buffalo-rearing farmers can get an interest-free loan of up to Rs 1 lakh for fodder, sheds, dairy equipment and veterinary costs.

What you get

The Gopal Credit Card Scheme extends interest-free working-capital loans of up to Rs 1,00,000 to farmers engaged in cattle and buffalo rearing, modeled on the Kisan Credit Card but specifically for livestock/dairy needs. The loan, available without collateral security, can be used for purchasing fodder and animal feed, constructing or repairing cattle sheds, buying dairy equipment, veterinary treatment, and even purchasing milch animals. No interest is charged if the loan is repaid within the stipulated one-year period. The scheme requires membership in a Milk Producer Cooperative Society and has a state budget allocation of Rs 150 crore benefiting around 5 lakh farmers; under 2024–25 revised guidelines, women members of Rajivika (Rajasthan Grameen Aajeevika Vikas Parishad) self-help groups are also eligible, with around 35,000 women rearers covered.

Eligibility criteria

• Must be a resident of Rajasthan engaged in dairy/cattle-buffalo rearing
• Must be a member of a Milk Producer Cooperative Society
• Women members of Rajivika SHGs are also eligible under revised guidelines

How to apply

1. 1

   Join your local Dugdh Utpadak Sahakari Samiti (Milk Producer Cooperative Society)

2. 2

   Apply for the Gopal Credit Card through the cooperative society or cooperative bank branch

3. 3

   Loan sanctioned up to Rs 1 lakh after verification; repay within one year to avail the zero-interest benefit

Documents required

• Jan-Aadhaar card
• Milk cooperative society membership proof
• Bank account details
• Animal ownership proof