Five years back, Ramdulari availed of a loan of Rs 10,000 from Ujjivan. The first thing she did was to buy agricultural inputs for her farm. This and many subsequent small loans from Ujjivan helped Ramdulari buy inputs for her farm, milch buffalos, and sometimes meet other needs. When Ujjivan offered her the revised Individual Livestock Loan, she was all smiles.
Along with farming, Ramdulari and Kedar Nath depend heavily on the milch animal rearing activity to meet the expenses of the family. Since they are marginal farmers, keeping a dry (non-lactating) animal is difficult for them. Hence they normally sell the dry animals at a lower price and buy a lactating one at a higher price. Ramdulari and Kedar Nath had to borrow from many sources, despite mobilizing all their savings, in order to buy new buffalos every time the older one stopped giving milk.
The new Individual Livestock Loan enabled Ramdulari and Kedar Nath to buy the new buffalo without worrying about where they had to borrow from. She took Rs 65,000 and bought a good quality buffalo. The milk yield is good and the family's income has improved. The dream of making her children educated and successful is closer to being true for Ramdulari and Kedarnath.
Ujjivan is grateful to you, Ramdulari, for including us in your dream!