Constraints perceived by dairy farmers in adoption and repayment of dairy loans

The present study was conducted on two villages of one block of Hoshiarpur District of Doaba region of Punjab to find constraints perceived by dairy farmers in adoption and repayment of dairy loans. Majority of dairy farmers belong to different categories according to herd size. Most of dairy farmers considered shortage of quality breed animals, too many intermediates, of milk, high cost of feed and fodder, expensive animals, low milk production and high rate of interest, problem of financial guarantor, policy of banks, low price of milk and inadequate loan amount as the serious problem