DIP is the first of its kind, innovative two-fold assessment of the cattle and dairy farmer by leveraging artificial intelligence, across Banking, Insurance and E-commerce for the dairy industry. DIP helps our partners to achieve scale in the largely under-penetrated dairy sector and benefits to all the stakeholders.

The dairy industry lacks such an innovative platform, else the option available for the players is to continue the existing practice and low market penetration.

Enquire Now
Dairy Intelligence Platform - Cattle Loan

We check almost 50 plus parameters of the farmer and cattle by leveraging new age technologies.

  • Know Your Customer (KYC) for Farmer
  • Know Your Cattle (KYC) for cattle Digitized cattle to uniquely identity based on muzzle identity, health status, how well the farmer has been managing the cattle, estimated cash-flow by leveraging artificial intelligence.
  • Surabhi Score: Comprehensive score to underwrite the cattle accurately and at scale.

Benefits

Transform “Personal Loan to dairy farmer” to “True cattle Loan”. The solution has been used by lending institutions.

High straight-through
processing

Achieve
Scale

Achieve Speed
to Scale

Reduced
NPA

Pay per use and
lower Capex.

Reduce
Operational Cost

Impact achieved:

  • By leveraging the DIP, Jana Small Finance has disbursed Rs 34 Crores, achieved near to 100% collections through digital approach.
  • The unique approach of Surabhi Score + Farmer underwriting has been established over a period of 15 months.
  • Benefits delivered at doorstep to 4000 plus customers having 30% plus first-time borrowers.
  • In addition to “True cattle Loan” these customers got access to high quality veterinary services, facilitated cattle insurance at doorstep, and inputs to manage dairy efficiently.
Enquire Now

Cattle Loan FAQ's

A cattle loan is a financial product designed to provide funding to individuals or businesses engaged in cattle farming. These loans are typically used to purchase, maintain, or expand a cattle herd. Cattle loans can be secured or unsecured and come with various terms and interest rates depending on the lender and the borrower’s financial situation.

A dairy loan is a specific type of cattle loan that is tailored to meet the financial needs of dairy farmers. It is designed to help dairy farmers acquire or maintain dairy cattle, purchase equipment, or improve their dairy operations. Dairy loans may be used for buying milch cows, constructing or upgrading dairy facilities, and covering operational expenses related to dairy farming. These loans often have terms and conditions customized for the dairy industry.

Typical documents include ID proof, land records, income statements, and details of the cattle to be purchased. Lenders may request additional documents based on their requirements.

Cattle loans provide farmers with the necessary funds to purchase and maintain their livestock, improving their overall farming productivity and income potential. They offer financial flexibility and can be tailored to specific needs.

The investment for a dairy farm can vary widely based on factors such as the size of the operation, location, and the level of automation. On average, it can range from INR 5 lakhs to INR 10 lakhs for a small-scale dairy farm, while larger commercial farms may require several crores of rupees in investment. It’s essential to create a detailed business plan to determine your specific investment needs.

The cattle loan approval process typically takes 2 to 4 weeks, depending on the lender and the complexity of the application. This duration includes application submission, verification, appraisal, and approval stages. It’s advisable to apply well in advance to ensure timely funding for your dairy cattle needs.

We offer a range of loans tailored to the needs of dairy farmers, including Dairy Farm Expansion Loans, Livestock Purchase Loans, Dairy Equipment Financing, and Working Capital Loans. Each is designed to support different aspects of dairy farming operations.