- Eligible beneficiaries can get a loan of up to ₹1.20 lakh to purchase milch animals.
- The loan carries a 7% annual interest rate with a repayment period of three years.
- Beneficiaries can purchase a maximum of two milch animals under the scheme.
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Summary of the Scheme
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| Name of Scheme | Tamil Nadu Milch Animal Loan Scheme |
| Benefits | Low-interest loans for milch animals |
| Beneficiary | Low-interest loans for milch animals |
| Nodal Agency | Tamil Nadu Backward Classes Economic Development Corporation Ltd. (TABCEDCO) |
| Subscription | Subscribe here to get Update Regarding Scheme |
| Mode of Apply | Online through the TABCEDCO Portal |
Tamil Nadu Milch Animal Loan Scheme: Benefits, Eligibility and How to Apply
The Tamil Nadu Milch Animal Loan Scheme is a low-interest loan programme that helps families from Backward Classes (BC), Most Backward Classes (MBC) and Denotified Communities (DNC) buy milch animals and start a dairy unit. It is run by the Tamil Nadu Backward Classes Economic Development Corporation Ltd. (TABCEDCO) with the National Backward Classes Finance and Development Corporation (NBCFDC). On the TABCEDCO portal, it appears as the “Milch Animal Scheme (Aavin)”.
Why It Matters
The scheme aims to turn dairy farming into a steady livelihood for economically weaker families. It gives them affordable credit instead of costly private loans, and because beneficiaries come from milk producer societies, they also get an assured market for their milk.
Key Benefits
- Loan of up to ₹1.20 lakh
- 7% interest per annum, repayable over three years
- Covers a maximum of two milch animals (cows or buffaloes)
- Beneficiary contributes only 5% of the project cost
Funding pattern: NBCFDC pays 85%, TABCEDCO pays 10%, and the beneficiary pays 5%.
This is a loan, not a subsidy or direct cash benefit. Details such as a DBT schedule, e-KYC or the exact disbursement method have not been officially announced, so confirm them with the lending cooperative.
Who Is Eligible?
- Indian citizen residing in Tamil Nadu
- Belongs to the BC, MBC or DNC category
- Aged 18 to 60 years
- Annual family income not above ₹5 lakh
- Selected by the Tamil Nadu Milk Producers Union/Federation from among its society members
- Has basic knowledge of dairy farming
Only one loan per family, and only one scheme at a time, is allowed.
Documents Required
- Aadhaar card and PAN card
- Community, income and nativity certificates
- Smart Family Card
- Passport-size photograph
- Project report (scanned copy)
- Quotation from a leading company or supplier
- Hypothecation or mortgage documents, if the bank requires them
How to Apply
Online
- Open the TABCEDCO online loan portal and click “Apply Online”.
- New users complete the One Time Registration using their Aadhaar number, date of birth and other details.
- Sign in and select “Milch Animal Scheme (Aavin)”.
- Enter personal, community, income and dairy unit details.
- Upload the documents, review and submit. You can log in later to track your status.
Offline
- Get the form from the District Backward Classes and Minorities Welfare Officer, Joint Registrar of Co-operative Societies, a Milk Producer Co-operative Society or a Milk Producer Union.
- Fill it in and attach self-attested copies of the documents.
- Submit it to your society, union or the district office, and keep the acknowledgement.
What Happens After You Apply
The cooperative lending agency checks the viability of your dairy unit and your repayment capacity. The District Screening Committee, chaired by the Joint Registrar of Co-operative Societies, then reviews the application and recommends it for sanction. Once the loan is sanctioned, you purchase the animals.
No official last date has been announced. Sanctions depend on fund availability and the committee’s recommendation.