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HDFC

HDFC has helped define the model for successful smallholder value chain investing, with a flagship product leveraging existing dairy value chains to finance milking cattle asset accumulation among smallholder farmers.

Product Overview & Scale

Fsp NameHDFC
Fsp ID177991
As of Date4/1/16
CurrencyUSD
Product NameCattle Loan
CountryIndia
Total Clients Bracket1,000,000
Product Clients Bracket10,000- 50,000
Number of Product Clients10,000
Percent of Total Clients that are Product Clients0%
Average Loan Size Per Client1
Average Loan Size Per Client1

Financial Structure & Pricing

loan or product structure is flexibleFALSE
repayment structure is flexibleFALSE
loan or product term covers growing seasonTRUE
loan or product term covers growing season if yes describethe loan term covers the production cycle for milking cattle.
grace period offeredFALSE
group or individual loanGroup
apr0%
annualized repayment rate of the product98- 100%

Value Chain Support

inputs assets services are readily availableFALSE
inputs assets services are available at time demanded by clientFALSE
inputs assets services available within reasonable distance of clientFALSE
inputs assets services are of good qualityTRUE
inputs assets services are of good quality if yes describeHDFC sends vet to confirm health of cattle and insure it before client purchases.
type of inputs offeredAssets
informal management services providedFALSE
formal programs in place for post harvest managementFALSE
informal linkages exist between clients and buyers producersFALSE
formal linkages exist between clients and buyers producersTRUE
guaranteed market opportunities exist for clientsTRUE
guaranteed market opportunities exist for clients if yes describeHDFC works exclusively within existing dairy value chain, meaning all clients have a guaranteed place to store and sell their milk.
if yes to above do over 50 of clients use the service programTRUE

Training

agricultural training available to clientsTRUE
agricultural training available to clients if yes describeDairy societies deliver trainings on caring for cattle to members.
agricultural training available to clients using formal curriculumTRUE
multiple agricultural trainings delivered during product cycleTRUE
multiple agricultural trainings delivered during product cycle if yes describeTrainings delivered once every 1-2 months.
organization does quality checks on trainingsFALSE
financial literacy training takes places yes noTRUE
classroom theoretical training offered by administering partyTRUE
training engages clients in participatory learning with additional materialsFALSE
training is offered in a convenient location for clientsTRUE
training is offered in a convenient location for clients if yes describeVerbal trainings are delivered at dairy society premises.

Measuring Impact