Goat farming is a profitable and low-investment agri-business, especially popular in states like Rajasthan, Uttar Pradesh, and Bihar. For a ₹1 Lakh project, a bank-ready project report is essential to secure a loan under schemes like NABARD, MUDRA Kishor (₹50,001–₹5 Lakh), or MUDRA Tarun (₹5 Lakh–₹10 Lakh). This report includes detailed CMA data, Debt Service Coverage Ratio (DSCR) above 1.5, and 5-year financial projections covering income from kid sales, milk, and manure. It also outlines the repayment schedule with an EMI of approximately ₹1,541/month at 11% over 7 years. With a promoter margin of ₹10,000 (10%) and a term loan of ₹90,000, the project is viable for small and marginal farmers. The report helps banks assess risk, ensures eligibility for subsidy under schemes like PMEGP (up to 35% subsidy), and provides a clear roadmap for execution.
Any Indian citizen above 18 years with a viable project can apply. Preference is given to farmers, women, SC/ST, and OBC entrepreneurs. For MUDRA loans, no collateral is required up to ₹10 Lakh under CGTMSE cover. The project size of ₹1 Lakh falls under MUDRA Kishor (₹50,001–₹5 Lakh). Beneficiaries should have basic knowledge of goat rearing and access to land for shed construction. A minimum of 10 goats (e.g., Jamunapari or Sirohi breed) is recommended for commercial viability.
Total project cost: ₹1,00,000. Promoter contribution: ₹10,000 (10%). Bank loan: ₹90,000 (90%). Loan tenure: 7 years. Interest rate: ~11% p.a. (MCLR + spread). Monthly EMI: ₹1,541. Repayment starts after a moratorium of 6 months. The cost breakup includes: purchase of 10 goats (₹60,000), shed construction (₹20,000), feed for 3 months (₹12,000), veterinary & miscellaneous (₹8,000). Subsidy under PMEGP can reduce the loan amount by up to 35% (₹35,000) for general category, making the effective loan ₹55,000.
This project is eligible for multiple schemes. Under PMEGP, subsidy is 25% for general (₹25,000) and 35% for special categories (₹35,000). MUDRA loans do not offer direct subsidy but provide collateral-free loans. NABARD's capital subsidy for goat farming (under SF/MF) can be up to 33% of the project cost. Additionally, state-specific schemes like Rajasthan's 'Mukhyamantri Pashu Dhan Bima Yojana' offer insurance coverage. To avail subsidy, the project report must be approved by the district-level task force. The subsidy amount is credited to the loan account after project implementation.
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Financing structured for a ₹1 Lakh goat farming: margin, term loan & EMI.
Scheme-ready for NABARD, MUDRA Kishor, MUDRA Tarun.
Exact means of finance, CMA, DSCR ≥ 1.50 in the generated report.
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Indicatively ≈ ₹1,541/month on the ~₹90,000 term-loan portion (at 11% over 7 years), with ~₹10,000 promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹10,000 for a ₹1 Lakh project — plus any scheme subsidy.
NABARD, MUDRA Kishor, MUDRA Tarun fit this range. The report is configured to your chosen scheme.
For a ₹90,000 loan at 11% p.a. over 7 years, the monthly EMI is approximately ₹1,541. This includes principal and interest. The total interest payable over 7 years is about ₹39,444.
All public sector banks (SBI, PNB, Bank of Baroda) and most private banks (ICICI, HDFC) offer MUDRA loans. You can apply online via the MUDRA portal or visit your nearest bank branch with a project report.
Yes, PMEGP provides subsidy of 25% for general category (₹25,000) and 35% for SC/ST/OBC/women (₹35,000) on a ₹1 Lakh project. The subsidy is released after project implementation and reduces your loan burden.
You need: Aadhaar card, PAN card, income proof (for 3 years), land documents (if any), project report (with CMA data), quotation for goats and materials, and two passport-size photos. For MUDRA, no collateral is required.