Hamirpur has dense small-scale dairy farming but most milk leaves to mainland processors. A small chilling-and-processing unit producing branded packaged curd, paneer, and Pahari cheese serves Punjab/Chandigarh distribution.
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Hamirpur is one of HP's most densely-farmed dairy districts but most milk moves to Punjab/Haryana processors at standard rates because local processing is thin. A small chilling-and-processing facility (1,000-2,500 litres/day) producing packaged dahi, paneer, and a Pahari-style cheese for the regional retail market captures the value-add. The Punjab/Chandigarh distribution radius is short; demand is dependable.
Capex of 15-30 lakh covers milk chillers, pasteuriser, packing line, and cold storage. The National Dairy Mission and NABARD-AIF jointly fund dairy infrastructure at concessional rates with up to 35% subsidy. Hard parts: cold-chain consistency, raw milk supply contracts (existing buyers will defend their position), and 5-10 anchor retailer relationships. Start with packaged curd (highest volume, simplest spec); add paneer and cheese in year 2.
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Indicative only — final eligibility depends on promoter category, location, and the bank's credit policy. The DPR generator spells out exact subsidy quanta for your specific case.
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