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SCHEMES

GROUP LENDING SCHEME

The Group Lending Scheme is implemented by the Andhra Pradesh Sheep & Goat Development Cooperative Federation Ltd. (APSGDCFL) to provide short-term credit to members of Primary Sheep Breeders Cooperative Societies (PSBCS) for sheep and goat rearing activities.

Loans are provided only for sheep & goat–related purposes, including purchase of sheep/ram lamb units and related inputs such as feed, medicines, and veterinary care.

Objective

Provide affordable credit to sheep breeders
Support grounding of sheep and ram lamb units
Strengthen cooperative institutions

Loan Details

Loan Amount :

₹100,000 to ₹5,00,000

Interest Rate :

6.9% – Sheep/Ram Lamb Units
7.5% – Sheep & Goat Related Consumption

Repayment :

2 years in half-yearly instalments

Penal Interest :

+2% on delayed payments

Beneficiary Eligibility

Member of PSBCS
Age between 18–60 years
Minimum 20 sheep/goats
Aadhaar-linked bank account
Actively practicing sheep/goat rearing

Processing Fee :

2% (1% DSBCU, 1% APSGDCFL)

Security

Up to ₹3 Lakhs – Declaration Bond (Form-B)
Above ₹3 Lakhs – Simple/Equitable Mortgage

Loan Flow

APSGDCFL → DSBCU → PSBCS → Beneficiary

Key Highlights

Low interest rates
Cooperative-based lending
Short repayment period
Focused on sheep & goat development
Strengthens shepherd livelihoods

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Sri Nara Chandrababu Naidu Garu

ANDHRA PRADESH

SHEEP & GOAT DEVELOPMENT CO-OPERATIVE FEDERATION LIMITED