It is a seamless, cost-effective and transparent milk collection and payment disbursement solution by National Dairy Development Board (NDDB).

Here the payments are made on fortnightly basis to the milk pourers at their door-step, helping the pourers to save expenses on transportation and day's wages. The pourers are also provided with credit facilities through two products, Kalpataru and Kamadhenu (Portfolio size: Rs. 4, 69, 00,000 as of June, 10), with repayment cycle synchronizing with their earning cycle for easy recovery and monitoring.

The project at present is successfully operating at 5 locations (Nanded, Junagadh, Chittoor, Sultanpur, Rae-Barielly) with the potential to be extended to many more locations within a short span of time.

• Payment to milk pourers of NDDB.
• Advances to buy cattle or to meet working capital requirement through Kalpataru and Kamadhenu schemes.
• Repayment of Kalpataru and Kamadhenu.