NABARD Unit Costs for Himachal Pradesh - 2025-26
54 activities · 8 categories · eligible loan typically 85–90% of unit cost
Activity Categories
| Category | Activities | Top Subsidy Schemes |
|---|---|---|
| Water Resources | 10 | PM-KUSUM60% |
| Land Development | 6 | — |
| Farm Mechanization | 3 | — |
| Plantation & Horticulture | 22 | NHM40–50% |
| Sericulture | 1 | — |
| Animal Husbandry | 5 | NDP/NABARD25–33% |
| Fisheries | 5 | PMMSY40–60% |
| Food Processing | 2 | — |
Government Schemes for Farmers
Subsidies, crop insurance, loans and input support — check eligibility and apply online.
Weather & Crop Advisories
District-level agromet advisories combining IMD 5-day weather forecasts with crop-specific pest, disease and irrigation recommendations.
Agri Finance & Credit
Loans, crop insurance and investment norms — NABARD unit costs, PMFBY rates and KCC interest.
Agriculture News
Daily updates on mandi price movements, scheme announcements, weather advisories and crop-wise reports from state agriculture departments.
Source: NABARD Statewise Master Unit Cost Portal (nabard.org) - 2025-26 booklet · View source →. Updated: reviewed annually; updated within 48 hours of NABARD publishing revised figures · last on · Report an error
Frequently Asked Questions
What is the NABARD unit cost for Himachal Pradesh?
NABARD's indicative unit cost for Himachal Pradesh (2025-26) covers 54 agricultural activities across 8 categories. These costs are used by banks as the basis for sanctioning term loans under the priority sector agriculture scheme.
How much farm loan can farmers get in Himachal Pradesh based on NABARD unit cost?
Banks typically sanction 85–90% of the NABARD unit cost as the term loan amount. For example, if the unit cost for a borewell is ₹85,000, the eligible loan would be ₹72,250–₹76,500. The actual amount depends on your bank's assessment and local land conditions.
Which banks use NABARD unit costs for KCC loans in Himachal Pradesh?
Kisan Credit Card (KCC), Agricultural Term Loans (ATL), Kisan Gold Card, and most priority sector agriculture loans from nationalised banks, RRBs, and cooperative banks in Himachal Pradesh are sanctioned based on NABARD unit costs. NABARD also uses these costs for RIDF and AIF scheme appraisals.
How often does NABARD update unit costs for Himachal Pradesh?
NABARD revises state unit costs annually, typically publishing updated figures at the beginning of each financial year. The current figures are for 2025-26. Always verify with your nearest bank or NABARD district office for the latest rates.
Can farmers in Himachal Pradesh use NABARD unit costs to estimate their subsidy amount?
Yes. In Himachal Pradesh, subsidy is calculated as a percentage of the NABARD unit cost for your activity. For example, if the NABARD unit cost for a 2-HP solar pump is ₹1.5 lakh and the subsidy is 30%, you receive ₹45,000. The actual project cost must be within the NABARD ceiling to qualify for the full subsidy.
Related Government Schemes
Disclaimer: Unit costs are indicative figures published by NABARD and may not reflect current market prices or your bank's internal norms. Loan sanction amounts are determined by individual banks subject to their credit policy, land holding, and repayment capacity assessment. NaPanta (FarmGreen Agritech India Private Limited) is not a lender and does not process loan applications.