Paddy cum fish Subsidy in Kerala

The NABARD unit cost for Paddy cum fish in Kerala is ₹2,02,000 (specification: 1 Ha 80 Coconut +160 Banana). This is the benchmark amount banks use when sanctioning a term loan for this activity. The actual subsidy you receive depends on the scheme — typically 25–50% of the unit cost.

The specification "1 Ha 80 Coconut +160 Banana" defines the exact scale or parameters of the investment — such as area in hectares, capacity in litres per day, number of animals, or structural dimensions. NABARD unit costs are tied to this specification; a different scale may have a different unit cost. If your project differs, ask your bank to use the nearest applicable NABARD benchmark.

Step 1: Prepare a DPR for Paddy cum fish using the NABARD unit cost of ₹2,02,000 as the benchmark. Step 2: Visit a nationalised bank or RRB in Kerala with land records, Aadhaar, and the DPR. Step 3: The bank appraises and routes the subsidy claim through the Fisheries department. Step 4: After physical verification, the subsidy is deposited into your loan account. Total processing time is typically 30–60 days.

Paddy cum fish falls under the Fisheries category. Relevant central schemes include Pradhan Mantri Matsya Sampada Yojana (PMMSY). Check the Apply section below for the specific portal and nodal department in Kerala.

Kerala offers ₹2,02,000 for Paddy cum fish, which is among the higher rates across Indian states. The compare table below shows the exact amount in each state where NABARD has published a unit cost for this activity.

NABARD-linked term loans for fisheries investments like Paddy cum fish typically have a repayment period of 5–9 years (including a moratorium of 1–2 years). The moratorium aligns with the gestation period of the investment — for example, a fruit orchard may take 3 years to yield income, so repayment begins after that. Exact tenure depends on your bank and the specific scheme.