Helping millions of Indians in rural areas benefit from our schemes.

Bank of Baroda, for rural India, with rural India.

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

  • Purpose
  • Terms & Conditions
  • Interest Rates & Charges

To provide adequate and timely credit support under a single window to the farmers for activities related to animal husbandry and fisheries.

  • Farmers, dairy/poultry farmers, fishers, fish farmers either individual or joint borrower, Joint Liability Groups (JLG) or Self Help Groups (SHG) including tenant farmers.
  • They must rear dairy animals/sheep/goats/pigs/poultry/birds/rabbit and have owned/rented/leased sheds.
  • They must own or lease registered fishing vessel/boat, possess necessary fishing license/permission for fishing in estuary and sea/fish farming/mariculture activities in estuaries/open sea and any other state specific fisheries and allied activities.

Quantum of Loan

Minimum: Rs. 3,000

Maximum: Rs. 10 lakhs (Working Capital + Term Loan)

Nature of Facility

KCC will consist in form of Cash Credit & Long Term Loan


Cash Credit: No separate margin.

Term Loans:

Loan limit up to Rs. 1,00,000: Nil

Loan limit above Rs. 1,00,000: 15%


KCC Limit is valid for 5 years, subjected to annual review.

Interest Subvention

As per RBI guidelines, additional interest subvention of 3% per annum to farmers repaying on time.

Repayment Period

Cash Credit: Limits to be renewed annually, well before the due dates.

Term Loan: Monthly/quarterly/half-yearly as suitable to borrower.


Limit up to Rs.1.6 lakhs: Hypothecation of stocks/assets to be created out of banks finance.

Limit above Rs.1.6 lakhs: Hypothecation of standing crop, livestock, feed, medicine and assets to be created out of banks finance etc. Mortgage of land/creation of charge on land/guarantor.

Limit up to Rs. 3 lakhs:

One year MCLR+ Strategic premium.

(For CC Limit up to Rs. 2 lakhs: 7.00% p.a. fixed, subject to Govt. of India providing Interest Subvention to Bank)

Limit above Rs. 3 lakhs and upto Rs. 10 lakhs:

One year MCLR+ Strategic Premium+1.25% (As on 15/09/2020 One year MCLR is 7.55% and Strategic Premium is 0.25 %)

Related products

  • New Scheme for Tractor

  • Advances to Food Agro Based Units Under Agriculture

  • Agriclinics Agribusiness Centres by Agriculture Graduates

  • Scheme for Financing Farm Development Activities

  • Baroda Kisan Credit Card (BKCC)

  • Baroda Kisan Tatkal Loan Scheme

  • Baroda Sanitation Scheme

  • Construction Of Storage Structure Projects

  • Cultivation of Crops (Excluding Plantation and Horticultural Crops)

  • Financing Against Warehouse Receipt

  • Financing Agencies Providing Custom Services To Farmers

  • Financing Construction of Farm Buildings Structures

  • Financing Development of Dairy, Poultry, Fishery, etc.

  • Scheme for Financing Farmer Producer Companies / Organizations (FPCs / FPOs)

  • Financing Four Wheeler Loans to Farmer

  • Financing Irrigation

  • Financing of Joint Liability Groups

  • Financing Protected Cultivation projects (Green House/Poly House/Shade Net House/Plastic tunnels & Walk in tunnels/Anti-bird/Anti-hail nets/plastic mulching/Hydroponics/Aquaponics and Aeroponics etc)

  • Financing Tractors and Heavy Agriculture Machinery

  • Financing Under Self Help Groups (SHGs)

  • Installation of Gobar Gas/Biogas Plants

  • Installation of Solar Home Lighting Systems

  • Lending to Agriculture Other Priority Sectors demand loan for financing against

  • Loan for Installation of Solar Photovoltaic Pump Sets

  • Overdraft Scheme for Working Capital Assistance to the Food Agro Processing Unit

  • Scheme for Financing Mini Dairy Units

  • Scheme for Financing NBFC-MFIs

  • Scheme for Financing Pradhan Mantri Matsya Sampada Yojana (PMMSY)

  • Scheme for Financing under Agriculture Infrastructure Fund

  • Scheme for Purchase of Agriculture Land

  • Shahari Bagwant Yojna

  • Silos/Godowns for Storage of Agriculture Produce

  • Two Wheelers (Motorcycle/Scooter) Loan to Farmer

  • Warehouse/Storage Receipts to Food and Agro Unit Enjoying Credit Facility with our Bank

  • Planters Card Scheme

  • Loan/Overdraft Against Bank’s Own Deposit (Labod/Odbod)

  • Pradhan Mantri Kisan Urja Suraksha Evam Uthaan Mahabhiyaan (PM-KUSUM Scheme)

  • Purchase of Estates/Orchards Growing Traditional Plantation Crops

  • Scheme for Development of Horticulture

  • Scheme for Financing Compressed Biogas (CBG)

  • Scheme for Financing Facility under PM Formalization of Micro Food Processing

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