SDCFPO is a scheme of Department of Animal Husbandry and Dairying (DAHD), Government of India, being implemented through NDDB, for availing interest subvention on working capital loans availed by eligible institutions. Under this component, interest subvention @2% per annum is provided on working capital loans borrowed for stock of conserved dairy commodities. For prompt and timely repayment, additional 2% interest subvention is payable at the end of the loan repayment period.

NDDB is implementing the scheme Revitalising Promising Producers’ Owned Institutions” with the objective “to support the promising Producers’ Owned Institutions to strengthen their overall business operations, so as to increase their market share and create self-sustaining institution benefiting all concerned. The financial assistance is available to POIs with maximum Grant-in-aid upto Rs. 3 Crore and maximum Interest Free Secured Loan upto Rs. 5 Crore.

NDDB provides Working Capital loan to Dairy Co-operatives (including Milk Unions / Federations / Producer Companies) to tide over its financial need when their capital is likely to get locked up in the form of inventory of milk products/ raw materials. The financial assistance is available based on the maximum 80% of the peak working capital requirement of the applicant.Interest will be charged at a floating rate of interest or at such rate as may be decided by NDDB from time to time on monthly rent basis.The rate of interest is 8.00% p.a. with effect from 1st January 2025 on a floating basis.

NDDB provides term loan to Producers’ Owned Institutions (POIs) to meet their urgent need to purchase equipment and machineries of the dairy, cattle feed or feed supplement plants, including civil works, required for their efficient operation, refurbishment, modernization and upgradation, etc. The financial assistance is available under the scheme with maximum Loan upto Rs. 10 Crore per eligible POI for a project. POI can avail loan upto 80% of the project cost.

Funding under the scheme is available for following activities:

1. • Modernisation/ Expansion/ Creation of milk processing infrastructure
2. • Installation of Bulk Milk Coolers at village level
3. • Creation of Marketing infrastructure
4. • Activities for improvement in operational efficiency
5. • Creation/expansion of Feed and feed supplement manufacturing infrastructure
6. • Infrastructure for manufacturing of dairy equipment, nutraceuticals/ biologicals/ vaccines etc.
7. • Biogas plants along with allied infrastructure

The financial assistance under this scheme is provided by way of Interest bearing Loan (IBL), with maximum of 80% of project outlay as Loan from NDDB and Minimum 20% as Borrowers contribution.Floating rate of interest as communicated from time to time. The rate of interest with effect from 01 January 2025 is 8.35% per annum.

Funding under the scheme is available for following activities:

1. • Skill Development
2. • Manpower training and extension activities
3. • Awareness programmes for milk producers / consumers

Financial assistance for the training/ programmes will be provided to Cooperative Milk Unions/ Federations and Milk Producer Companies. The financial assistance will be on a case to case basis purely on merit.Financial assistance for the training/ programmes will be provided to Cooperative Milk Unions/ Federations and Milk Producer Companies. The financial assistance will be on a case to case basis purely on merit. The financial assistance under this scheme is available by way of Grant, with a maximum of 50% of cost of approved training/ programme as Grant from NDDB. For further details: