Dairy Entrepreneurship Development Scheme (DEDS)
Dairy Entrepreneurship Development Scheme (DEDS) — NABARD ki scheme dairy units setup ke liye. Capital subsidy 25-33% with bank loan + beneficiary contribution.
Scheme Overview
Dairy Entrepreneurship Development Scheme (DEDS) NABARD ki initiative hai jo Department of Animal Husbandry, Dairying & Fisheries (DAHD&F) ke saath implement hoti hai. Scheme ka main objective hai dairy sector me self-employment generate karna aur infrastructure develop karna. Eligible components include: small dairy unit setup, milk processing equipment, cold chain, value-added products manufacturing, etc. Capital subsidy 25% (general) ya 33.33% (SC/ST) of project cost milti hai, with cap based on component.
Scheme Categories & Coverage
| Category | Limit/Coverage | Description |
|---|---|---|
| Small Dairy Unit (2-10 cows/buffaloes) | Project cost up to ₹7 lakh for 10 animals | Most common |
| Calf Rearing Unit (20 calves) | Project cost up to ₹1.8 lakh | Heifer development |
| Vermicompost (with dairy) | Project cost up to ₹20,000 | Add-on component |
| Milk Processing Equipment | Project cost up to ₹13.20 lakh | Pasteurizer, packaging |
Note: Indicative figures from publicly available government sources. Subject to scheme revisions and lender's discretion.
Eligibility Criteria
- Individual farmers, entrepreneurs, NGOs, companies, dairy cooperatives all eligible
- Self-Help Groups (SHGs), Joint Liability Groups (JLGs) — eligible for joint projects
- Beneficiary should have dairy farming knowledge / training (preferred)
- Land for unit setup — owned or long-term lease
- Age: typically 18-65 years
- Existing dairy farmers also eligible for expansion / value addition
Required Documents
- Aadhaar + PAN
- Land ownership / lease documents
- Detailed project report (DPR) with cattle quotation
- Veterinary doctor certificate (cattle health)
- Caste certificate (for SC/ST higher subsidy)
- Bank statements (if existing account)
- ITR (if applicable)
- Dairy training certificate (preferred)
Specific documentation requirements may vary by lender, region, and scheme version. Verify with implementing agency.
Application Process
- Detailed Project Report (DPR) prepare karo — cattle, infrastructure, equipment, working capital breakdown
- Eligible bank (PSU/RRB/cooperative bank) me application submit karo with DPR
- Bank ki credit appraisal — viability assessment
- Sanction ke baad NABARD ko subsidy claim file karte hain bank
- NABARD subsidy directly bank ke through reserve fund me parked hoti hai (Lock-in 3 years)
- Disbursement + ongoing monitoring
Key Benefits
- Capital subsidy: 25% (general), 33.33% (SC/ST/NE region)
- Bank loan: typically 50-60% of project cost
- Beneficiary contribution: 10-15%
- Tenure: up to 7 years (with moratorium during cattle lactation start)
- Interest rate: standard agriculture sector rates apply (typically 9-12%)
- Insurance coverage available for cattle (mandatory recommended)
🚀 General Guidance Needed?
ProWiderKart facilitator se free jaankari le sakte ho — general information aur eligibility direction ke liye.
💬 WhatsApp Free JaankariFrequently Asked Questions
DEDS scheme me kitna subsidy milti hai?
General category 25% of eligible project cost, SC/ST/Northeast region 33.33%. Subject to component-wise project cost ceilings as per NABARD guidelines.
Kya dairy training mandatory hai?
Mandatory nahi hai, but strongly preferred. Training certificate having from KVK, dairy training centers — bank approval easier banata hai.
Kitne animals tak chote dairy unit me allowed hain?
Small dairy unit category me 2-10 cows/buffaloes typically covered hoti hain with maximum project cost ~₹7 lakh.
Cattle insurance mandatory hai kya?
Bank-specific requirement hai, but highly recommended hai. Many banks mandate it as protection against cattle death/loss. Subsidy parameters separately apply on insurance premium.
Subsidy seedhe account me aati hai?
Nahi. Subsidy bank ke through 'reserve fund' me parked hoti hai for 3 years (lock-in period). Yeh borrower ke EMI burden reduce karne ke liye apply hoti hai progressively.
Application kahan se start karein?
Local DAHD&F office (district-level), eligible bank ki branch, ya NABARD's State Office contact karo. Online application portal regional level pe available ho sakta hai.