Agriculture Infrastructure Fund (AIF) Scheme

    Transform Indian Agriculture
    with ₹1 Lakh Crore Fund

    The Agriculture Infrastructure Fund (AIF) is a Central Sector Scheme providing medium-long term debt financing for investment in viable post-harvest management infrastructure and community farming assets. Launched in 2020 and operational until 2032-33.

    Total Fund: ₹1,00,000 Crore
    Interest Subvention: 3% per annum (up to ₹2 Cr for 7 years)
    Scheme Period: 2020-21 to 2029-30
    Moratorium: 6 months to 2 years
    Eligible Projects Who Can Apply?
    Happy Farmer in Agricultural Field

    Empowering Farmers

    Building Tomorrow's Agriculture Infrastructure

    ₹1 Lakh Cr
    Total Fund
    Financing facility
    3%
    Interest Subvention
    Up to ₹2 Cr for 7 years
    ₹2 Cr
    Max Loan per Project
    25 projects per entity
    10%
    Borrower Contribution
    Minimum of project cost

    Eligible Projects

    Post-Harvest Management & Community Farming Assets

    Category Eligible Projects
    Post Harvest Management Supply chain services including e-marketing platforms
    Warehouses
    Silos
    Pack houses
    Assaying units
    Sorting & grading units
    Cold chains
    Logistics facilities
    Primary processing centers, Ripening Chambers
    Community Farming Assets Organic inputs production units
    Bio stimulant production units
    Infrastructure for smart and precision agriculture
    Supply chain infrastructure for clusters of crops including export clusters
    PPP Projects Projects promoted by Central/State/Local Governments or their agencies under PPP

    Eligible Beneficiaries

    Who can apply for loans under AIF?

    PACS Primary Agricultural Credit Societies
    FPOs/FPCs Farmer Producer Organizations
    Marketing Cooperatives  
    SHGs Self Help Groups
    Farmers Individual Farmers
    JLG Joint Liability Groups
    Multipurpose Cooperatives  
    Agri-entrepreneurs  
    Startups  
    State Agencies PPP Projects

    Preference: PACS who have adopted digitization will be given preference. State agencies, cooperatives, federations can set up unlimited projects; private entities can set up to 25 projects in different locations.

    Financial Benefits

    Government Budgetary Support & Loan Details

    Interest Subvention

    3% per annum
    Interest subvention on loans
    Maximum Limit: Up to ₹2 Crore per project
    Duration: Maximum 7 years (including moratorium)
    For loans beyond ₹2 Cr, subvention limited to ₹2 Cr portion
    Available for 7 years Details

    Credit Guarantee

    Credit Guarantee
    Coverage for lending institutions
    Risk Coverage: Available for eligible borrowers
    For all scheduled commercial banks, cooperative banks, RRBs, NBFCs, NCDC
    Lower risk for lenders
    NABARD Refinance Details

    Loan Terms

    ₹2 Crore+
    Loan per project
    Moratorium: 6 months to 2 years
    Borrower Contribution: Minimum 10% of project cost
    Participating Institutions: All scheduled commercial/cooperative banks, RRBs, NBFCs, NCDC
    25 projects max per entity Details

    Application Process

    Online Application Steps on AIF Portal

    1

    Register

    Visit the AIF Portal and generate a Beneficiary ID.

    2

    Download DPR Template

    Prepare a Detailed Project Report (DPR) as per the template.

    3

    Submit Application

    Fill in project details and upload the DPR on the portal.

    4

    Review & Bank Appraisal

    Ministry reviews and forwards to bank. Bank assesses viability and sanctions loan within 60 days.

    Key Documents Required: Loan application form, DPR, KYC documents, proof of registration, land records, financial statements, and other relevant permissions.

    Benefits to Stakeholders

    How AIF benefits everyone in the agriculture ecosystem

    Farmers

    Improved access to markets, better price realization, reduced post-harvest losses

    Entrepreneurs

    Incentives and reduced risk for investing in agri-infrastructure

    Banks

    Lower risk due to credit guarantee and interest subvention

    Government

    Reduced food wastage, increased rural employment, globally competitive agri-sector

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    Frequently Asked Questions - AIF Scheme

    Everything you need to know about Agriculture Infrastructure Fund

    Who can apply for the AIF Scheme?
    Farmers, Farmer Producer Organizations (FPOs), Primary Agricultural Credit Societies (PACS), agri-entrepreneurs, startups, SHGs, state agencies, cooperatives, and PPP projects.
    What types of projects are supported under AIF?
    Post-harvest management infrastructure (warehouses, cold chains, silos, pack houses, sorting units) and community farming assets (organic inputs, bio-stimulant units, precision agriculture infrastructure).
    What is the interest subvention benefit?
    3% interest subvention per annum on loans up to ₹2 Crore per project. This benefit is available for a maximum period of 7 years (including moratorium period).
    What is the borrower contribution requirement?
    Minimum 10% of the total project cost must be contributed by the borrower as promoter's contribution.
    Which financial institutions provide loans under AIF?
    All scheduled commercial banks, scheduled cooperative banks, Regional Rural Banks (RRBs), Small Finance Banks, NBFCs, and National Cooperative Development Corporation (NCDC).
    What is the scheme implementation period?
    The Scheme is operational from 2020-21 to 2029-30. Moratorium for repayment: minimum 6 months and maximum 2 years.
    Official Disclaimer: This is a summary of the Agriculture Infrastructure Fund (AIF) Scheme guidelines issued by Department of Agriculture, Cooperation & Farmers' Welfare, Ministry of Agriculture & Farmers' Welfare, Government of India. For complete and updated information, please refer to the official website and guidelines. Scheme details are subject to change as per Government notifications.

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    FREQUENTLY ASKED QUESTIONS

    Got any questions?

    Farmers, FPOs, PACS, agri-entrepreneurs, SHGs, cooperatives, and state agencies.

    Post-harvest infrastructure, like warehouses, cold chains, sorting units, and community farming assets.

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