||Loans granted for purchase of dairy animals should be recovered in a period of 5-7 years in suitable monthly/quarterly instalments.
When the loan is granted for rearing of heifers for ultimate production of milk, the loan may be recovered within a period of 5-6 years including initial grace period of 30 months.
Moratorium: Project involving Shed Construction, pasteurization etc, 12-18 months may be stipulated on case to case basis, else1-2 months
Gestation Period: Should be linked with Lactation period to cover dry period of the animal (generally 6 months gap shall be provided for
introduction of animals in batches to ensure continuity of milk production )