Dr. Bhimrao Ambedkar Kamdhenu Yojana 2026: Up to ₹42 Lakh Dairy Loan, Eligibility & How to Apply

At a glance

About the scheme

Launched by the Department of Animal Husbandry, Government of Madhya Pradesh, the Dr. Bhimrao Ambedkar Kamdhenu Yojana (DBAKY) aims to foster entrepreneurship in the dairy sector, especially among unemployed youths and livestock farmers. The scheme assists farmers in setting up dairy units of 25 milch animals of a single breed—such as indigenous cows, crossbred cows, or buffaloes. Financial assistance is disbursed in four tranches over an 18-month duration to cover shed construction, animal procurement from outside the state or certified tracts, insurance, and transport, thereby boosting local milk production and strengthening rural incomes.

Benefits

• Loan amount of ₹36,00,000 for a 25-animal indigenous cattle unit.
• Loan amount of ₹42,00,000 for a 25-animal crossbred cow or buffalo unit.
• First instalment disbursed in the 1st month for shed construction (₹11,00,000 for indigenous or ₹11,40,000 for crossbred/buffalo).
• Second instalment disbursed in the 4th month for animal purchase, insurance, and transport (₹9,00,000 for indigenous or ₹11,00,000 for crossbred/buffalo).
• Third instalment disbursed in the 10th month for animal purchase, insurance, and transport (₹8,00,000 for indigenous or ₹9,80,000 for crossbred/buffalo).
• Fourth instalment disbursed in the 18th month for animal purchase, insurance, and transport (₹8,00,000 for indigenous or ₹9,80,000 for crossbred/buffalo).
• Mandatory insurance coverage provided for cattle, sheds, and transit risks.
• Opportunity to scale up to 8 units (up to 200 cattle) based on landholding and satisfactory repayment history.
• Mandatory cattle tagging and registration on the Bharat Pashudhan App.

Who can apply (eligibility)

• Applicant must be a permanent resident of Madhya Pradesh.
• Applicant must be at least 21 years old.
• Applicant must be a livestock farmer.
• Open to all social categories including SC, ST, and others.
• Applicant must possess a minimum of 3.5 acres of agricultural land per 25-cattle unit.
• At least 0.5 acre of land must be situated in one single location if landholdings are scattered.
• Collective family landholdings can be counted, requiring family members to join as co-borrowers.
• Applicant must hold a valid training certificate in dairy management from a reputed institution or organisation.

Who cannot apply

• Applicants who are bank defaulters are ineligible.
• Mixing different cattle types (indigenous, crossbred, or buffalo) within a single unit is strictly not permitted.

Documents required

• Identity proof
• Proof of residence in Madhya Pradesh
• Agricultural land records
• Dairy management training certificate
• Bank account details
• Other supporting documents, if requested by the department

How to apply

1. 1Visit the official portal at dbaky.mp.gov.in and click on 'Sign-up'.
2. 2Enter your email address and mobile number, set and confirm a password, and submit the registration form to obtain login credentials.
3. 3Log in using your registered username and password on the DBAKY portal.
4. 4Complete the online scheme application form with all required personal, banking, and land details.
5. 5Upload mandatory documents according to the required size and file specifications.
6. 6Review the filled details carefully and click 'Save Application' to submit.
7. 7Note down the generated application number and click 'Print Application' to save a copy for future reference.

Frequently asked questions