Business, & agriculture finance

Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme

Get competitive interest rates for animal husbandry loan through Baroda . You can easily apply for animal husbandry & fisheries scheme with our simple Application Form.

Facility amount₹3,000 minimum to ₹10 lakh maximum; project costs requiring more than ₹10 lakh are considered separately under the Bank’s existing guidelines.Interest rateWorking capital up to ₹2 lakh: 7.00% p.a. fixed while Government of India interest subvention is provided; otherwise one-year MCLR + SP. Term loans up to ₹2 lakh: one-year MCLR + SP. For either facility above ₹2 lakh to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh to ₹10 lakh: one-year MCLR + SP + 1.25%.Customer typeIndividual or joint animal-husbandry farmers, JLGs and SHGs including tenant farmers; inland fishers/fish farmers, groups, partners, share-croppers, tenant farmers and women groups; and marine fishers/fish farmers and groups with the listed activity assets and permissions.

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✓ Manually checked 27 Sept 2026 · active

Baroda Animal Husbandry and Fisheries Kisan Credit Card Scheme official banner

Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan amount₹3,000 minimum; up to ₹10 lakhView source

The official page publishes the minimum and maximum.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme
Page / section: — Quantum of Loan
Accessed: 21 Aug 2026
Confidence: high

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Individual borrower age18 to 70 yearsView source

The official page states the age range at facility availing.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme
Page / section: — Age Criteria
Accessed: 21 Aug 2026
Confidence: high

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Validity/repaymentKCC valid up to 5 years with annual review; term loan may extend to 7 yearsView source

The official page states annual review and the longer term-loan limit.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme
Page / section: — Loan Period
Accessed: 21 Aug 2026
Confidence: high

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Personal accident insurance₹50,000 free coverView source

The official benefits list states free personal accidental insurance.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme
Page / section: Benefits
Accessed: 21 Aug 2026
Confidence: high

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Prompt-repayment incentive3% p.a. for eligible loans up to ₹2 lakhView source

The official page states the 3% incentive subject to scheme conditions.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme
Page / section: Benefits
Accessed: 21 Aug 2026
Confidence: high

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BAHFKCC benefits and pricingProcessing and inspection charges are nil up to aggregate ₹3 lakh. Loans up to ₹2 lakh are priced at 7% p.a. subject to government interest subvention, with 3% prompt-repayment incentive; credit balance earns savings rate, no penal interest applies up to ₹25,000 and personal-accident insurance of ₹50,000 is free. CGFMU guarantee is available up to ₹10 lakh.View source

The official Benefits section publishes charges, rates, incentives, insurance and guarantee limits.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme
Page / section: Benefits
Accessed: 23 Aug 2026
Confidence: high

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BAHFKCC limits and termsLoan amount is ₹3,000 to ₹10 lakh, for individual borrowers aged 18–70. Cash-credit limits renew annually; term loans may be scheduled monthly, quarterly or half-yearly. The KCC is valid up to 5 years subject to annual review; term loans may run up to 7 years. Margin is nil for cash credit, and term-loan margin is nil up to ₹1 lakh then 15% above that.View source

The official publishes amount, age, renewal, validity, repayment and margin rules.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme
Page / section
Accessed: 23 Aug 2026
Confidence: high

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Maximum finance₹10 lakh maximum under the BAHFKCC scheme. Project costs requiring more than ₹10 lakh are considered separately under the bank's existing guidelines; the published minimum is ₹3,000.View source

The official table publishes minimum ₹3,000, maximum ₹10 lakh and separate consideration for project costs above ₹10 lakh.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card Scheme
Page / section: — Quantum of Loan
Accessed: 30 Aug 2026
Confidence: high

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Customer typeIndividual or joint animal-husbandry farmers, JLGs and SHGs including tenant farmers; inland fishers/fish farmers, groups, partners, share-croppers, tenant farmers and women groups; and marine fishers/fish farmers and groups with the listed activity assets and permissions.View source

Eligibility section names individual/joint farmers, /, tenant farmers, fishers/fish farmers, groups/partners/share-croppers and women groups.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card — current official product page
Page / section: Eligibility Criteria — Dairy, Poultry and small ruminant; Inland Fisheries and Aquaculture; Marine Fisheries
Accessed: 27 Sept 2026
Confidence: high

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Activity and operating conditionsAnimal-husbandry applicants must rear the listed livestock/poultry and have owned, rented or leased sheds. Inland fisheries applicants need owned or leased fisheries assets and relevant licences. Marine applicants need an owned or leased registered vessel/boat and the required fishing permissions.View source

The product page makes eligibility activity-based and specifies shed, fisheries-asset, vessel and licence conditions.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card — current official product page
Page / section: Eligibility Criteria — livestock sheds; inland fisheries assets/licences; marine vessels/permissions
Accessed: 27 Sept 2026
Confidence: high

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Facility amount₹3,000 minimum to ₹10 lakh maximum; project costs requiring more than ₹10 lakh are considered separately under the Bank’s existing guidelines.View source

gives minimum ₹3,000, maximum ₹10 lakh, and separate consideration above ₹10 lakh.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card — current official product page
Page / section: — Quantum of Loan
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

Interest rateWorking capital up to ₹2 lakh: 7.00% p.a. fixed while Government of India interest subvention is provided; otherwise one-year MCLR + SP. Term loans up to ₹2 lakh: one-year MCLR + SP. For either facility above ₹2 lakh to ₹3 lakh: one-year MCLR + SP. Above ₹3 lakh to ₹10 lakh: one-year MCLR + SP + 1.25%.View source

The current separately publishes working-capital and term-loan rates up to ₹2 lakh, then identical + bands above ₹2 lakh to ₹3 lakh and above ₹3 lakh to ₹10 lakh.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card — current official product page
Page / section: — Rate of Interest table (Working Capital / Term Loan columns)
Accessed: 27 Sept 2026
Confidence: high

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Repayment and validityCash-credit limits renew annually. The facility is valid up to 5 years subject to annual review. Term-loan instalments may be monthly, quarterly or half-yearly, with a repayment schedule of up to 7 years where the branch finds the project feasible and viable.View source

states annual Cash Credit renewal, five-year validity/annual review, monthly/quarterly/half-yearly term-loan payments, and up to seven years based on project viability.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card — current official product page
Page / section: — Repayment Period; Loan Period
Accessed: 27 Sept 2026
Confidence: high

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Security and collateralMITC: up to ₹2 lakh, hypothecation of stocks/assets financed; above ₹2 lakh, hypothecation of standing crop, livestock, feed, medicine and financed assets plus land mortgage/charge or guarantor. FAQ: up to ₹1.60 lakh requires no collateral; above ₹1.60 lakh requires land mortgage/charge. Loans up to ₹10 lakh may be covered by CGFMU, with the premium paid by the borrower.View source

The sets a ₹2 lakh security band, while the separately says collateral-free treatment only up to ₹1.60 lakh and requires land charge/mortgage above it. Both statements are retained without inferred reconciliation.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card — current official product page
Page / section: — Security; — collateral/security
Accessed: 27 Sept 2026
Confidence: high

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Processing and inspection chargesWorking-capital processing: nil up to ₹3 lakh; above ₹3 lakh to ₹10 lakh, ₹250 per lakh or part plus GST; above ₹10 lakh, ₹350 per lakh or part, capped at ₹35 lakh (exporter cap ₹17.50 lakh). Term-loan processing above ₹3 lakh: 1% of sanctioned limit, capped at ₹100 lakh. Inspection: nil up to ₹3 lakh; ₹250 above ₹3 lakh to ₹10 lakh; ₹1,000 above ₹10 lakh to ₹1 crore; ₹5,000 above ₹1 crore.View source

The current page publishes separate working-capital and term-loan fee rules and four inspection bands.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card — current official product page
Page / section: Fees & Charges — Processing Charges; Inspection Charges
Accessed: 27 Sept 2026
Confidence: high

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Required documents and activity permissionsApplication form; two passport-size photographs; one identity proof such as driving licence, Aadhaar, voter ID or passport; Aadhaar plus PAN or Form 60 for customer due diligence; certified land-holding details or online land records where available; necessary estuary/sea fishing licence or permission; and licences for fish farming, fishing and other state-specific fisheries/allied activities from the relevant department.View source

The page lists the application, photo, identity, due-diligence, land-record and activity-specific licence/permission requirements.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card — current official product page
Page / section: Document Required
Accessed: 27 Sept 2026
Confidence: high

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Activity-specific permissionsFishery and aquaculture applicants must hold the licences or permissions applicable to their activity, including state-specific fisheries and allied-activity licences from the responsible department.View source

The page requires the licences for fish farming/fishing and any other state-specific fisheries and allied activity from the respective department.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card — current official product page
Page / section: Eligibility Criteria; Document Required — fisheries permissions
Accessed: 27 Sept 2026
Confidence: high

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PrepaymentThe Bank’s FAQ says borrowers may prepay the animal-husbandry loan.View source

The answers yes and says the Bank allows pre-payment of the debt; it does not state a fee, so no fee waiver is inferred.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card — current official product page
Page / section: — Can one prepay the debt for animal husbandry?
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Processing and inspection charges are nil up to aggregate ₹3 lakh. Loans up to ₹2 lakh are priced at 7% p.a. subject to government interest subvention, with 3% prompt-repayment incentive
credit balance earns savings rate, no penal interest applies up to ₹25,000 and personal-accident insurance of ₹50,000 is free. guarantee is available up to ₹10 lakh.

Eligibility

18 to 70 years

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Driving licence
Aadhaar
Voter
Passport

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹19,382nineteen thousand three hundred eighty-two rupees

Interest paid over the full loan₹21,51,794twenty-one lakh fifty-one thousand seven hundred ninety-four rupees

Everything you repay₹46,51,794forty-six lakh fifty-one thousand seven hundred ninety-four rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Term

Purpose · Published detailShort- and long-term credit for animal-husbandry and fisheries activities.

This value is copied from BAHFKCC Scheme — complete published terms. Check the table notes before relying on it.

Source: Baroda Animal Husbandry and Fisheries Kisan Credit Card — current official product page · Benefits; Features; Eligibility Criteria; Document Required; Fees & Charges; ; Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 40 rows · 2 columnsBAHFKCC Scheme — complete published termsCurrent structured capture of the official page’s benefits, eligibility, documents, charges, quantum, security, margin, validity, repayment, facility-specific rates and FAQ clarifications.View tableHide table

Scroll sideways to view every column

BAHFKCC Scheme — complete published terms
Term	Published detail
Purpose	Short- and long-term credit for animal-husbandry and fisheries activities.
Covered activities	Rearing animals and birds; dairy, sheep, goats, pigs, rabbits and poultry; fish, shrimp and other aquatic organisms; capture fishing and related assets/infrastructure.
Dairy/poultry/small-ruminant beneficiaries	Individual or joint farmers, and including tenant farmers, engaged in the listed activities and having owned, rented or leased sheds.
Inland fishery beneficiaries	Fishers/fish farmers, individuals, groups/partners, share-croppers, tenant farmers, , and women groups with owned or leased fisheries assets and required licences.
Marine fishery beneficiaries	Fishers/fish farmers, individuals, groups/partners, share-croppers, tenant farmers, , and women groups with an owned or leased registered fishing vessel/boat and required permissions.
Age	Individual borrower: minimum 18 and maximum 70 years on facility availing. If the main borrower is above 70, legal heirs must be co-borrowers.
Quantum	₹3,000 minimum; ₹10 lakh maximum. Project costs requiring more than ₹10 lakh are considered separately under existing Bank guidelines.
Facility	Cash Credit and Long-Term Loan.
Cash Credit renewal	Limits are renewed annually, before their due dates.
Term-loan instalments	Monthly, quarterly or half-yearly, as suitable to the borrower.
Validity	Up to 5 years, subject to annual review.
Term-loan period	A branch may set a repayment schedule longer than 5 years and up to 7 years, depending on project feasibility and viability.
Security up to ₹2 lakh ()	Hypothecation of stocks/assets to be created from Bank finance.
Security above ₹2 lakh ()	Hypothecation of standing crop, livestock, feed, medicine and financed assets, plus mortgage/charge on land or guarantor.
Collateral-free band	says animal-husbandry loans up to ₹1.60 lakh do not require collateral.
security above ₹1.60 lakh	says land mortgage or charge on agricultural land is mandatory above ₹1.60 lakh.
	Loans up to ₹10 lakh may be covered under the Credit Guarantee Fund for Micro Units; the guarantee premium is borne by the borrower.
Margin — Cash Credit	No separate margin.
Margin — term loan up to ₹1 lakh	Nil.
Margin — term loan above ₹1 lakh	15%.
Working-capital rate up to ₹2 lakh	7.00% p.a. fixed while Government of India interest subvention is provided; otherwise one-year + .
Term-loan rate up to ₹2 lakh	One-year + ; the 7% subvention rate is stated for working capital, not this term-loan column.
Working-capital and term-loan rate above ₹2 lakh to ₹3 lakh	One-year + for both facility types.
Working-capital and term-loan rate above ₹3 lakh to ₹10 lakh	One-year + + 1.25% for both facility types.
Working-capital processing up to ₹3 lakh	Nil for aggregate loan up to ₹3 lakh.
Working-capital processing above ₹3 lakh to ₹10 lakh	₹250 per lakh or part thereof + .
Working-capital processing above ₹10 lakh	₹350 per lakh or part thereof; maximum ₹35 lakh, with exporter maximum ₹17.50 lakh.
Term-loan processing above ₹3 lakh	1% of sanctioned limit, capped at ₹100 lakh.
Inspection up to ₹3 lakh	Nil.
Inspection above ₹3 lakh to ₹10 lakh	₹250.
Inspection above ₹10 lakh to ₹1 crore	₹1,000.
Inspection above ₹1 crore	₹5,000.
Interest calculation	Simple interest is applied until the repayment due date.
Credit balance	Credit balance earns interest at the Savings Bank rate.
Penal interest	No penal interest is charged up to a limit of ₹25,000.
Personal accident cover	Free Personal Accidental Insurance of ₹50,000.
Prompt-repayment incentive	3% per annum for timely repayment on loans up to ₹2 lakh. For working capital combining crop loan and animal-husbandry/fisheries working capital, the benefit is limited to ₹3 lakh overall and ₹2 lakh per farmer involved only in animal husbandry and/or fisheries; Government interest-subvention conditions also apply.
Prepayment	The says borrowers may prepay the animal-husbandry loan; it does not state a fee amount or fee waiver.
Documents	Application form; two passport-size photographs; one identity proof (driving licence, Aadhaar, voter or passport); Aadhaar plus or Form 60 for customer due diligence; certified land-holding details/online land records where available; and applicable fishing/fish-farming/state fisheries licences or permissions.
Fisheries permissions	Applicants must possess the licences/permissions for their fishing or aquaculture activity, including other state-specific fisheries and allied-activity licences from the responsible department.

The lists a ₹2 lakh security threshold; the separately says collateral-free treatment applies only up to ₹1.60 lakh. Both official statements are retained without an inferred reconciliation.
The 7% p.a. subvention-linked rate applies to the Working Capital column; the Term Loan column up to ₹2 lakh states one-year + .
Interest subvention and the prompt-repayment incentive are conditional. Processing and inspection fees are separate; is added only where expressly stated.
This is a structured transcription of the current official webpage, not a claim that the webpage presents all terms in this two-column layout.

Baroda Animal Husbandry and Fisheries Kisan Credit Card — current official product page · Benefits; Features; Eligibility Criteria; Document Required; Fees & Charges; ; · accessed 27 Sept 2026Open official source ↗

Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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