The present study was conducted on two villages of one block of Amritsar District of Majha region of Punjab to find constraints perceived by dairy farmers in adoption and repayment of dairy loans. Majority of dairy farmers belongs to different categories according to herd size. Most of dairy farmers considered, high rate of interest, too many intermediates, lengthy complicated loan procedure, problem of financial guarantor, attitude of the loan officer, low price of milk, high cost of feed & fodder, low milk production, failure of milk animal to conceive every year, exploitation by milk vendors and animal trader as the serious problems.