Livestock-based livelihoods such as goat rearing, sheep farming, backyard poultry and piggery are vital income sources for small and marginal farmers in rural India. While access to credit has improved through banks, SHGs, JLGs and MFIs, loan repayment structures have largely remained rigid. The widespread practice of fixed monthly EMIs often clashes with the seasonal and irregular income patterns of livestock enterprises, creating repayment stress for farmers and increasing