Agriculture Infrastructure Fund (AIF)
Build warehouses, cold storage, and post-harvest infrastructure with affordable, government-backed financing under the Agriculture Infrastructure Fund, offering interest subvention and credit guarantee support.
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₹1 Lakh Cr
Total Fund Corpus
₹2 Cr
Max Loan for Subvention & Guarantee
3%
Annual Interest Subvention
2020–2033
Scheme Operational Period
What is the Agriculture Infrastructure Fund (AIF)?
The Agriculture Infrastructure Fund (AIF) is a medium- to long-term debt financing facility launched by the Government of India in August 2020 under the Aatmanirbhar Bharat Abhiyan, with a total corpus of ₹1 lakh crore. Implemented by the Department of Agriculture & Farmers Welfare, it provides interest subvention and credit guarantee support on loans for post-harvest management infrastructure and community farming assets such as warehouses, cold storage, primary processing units, and agri-logistics, helping reduce post-harvest losses and improve farmer income.
Key Benefits
Loan Facility
Up to ₹2 Crore per Project
Loans above ₹2 crore are also permitted, with interest subvention and guarantee benefits applicable to the first ₹2 crore.
Interest Subvention
3% per annum
Available for a maximum of 7 years, including the moratorium period, capped at a 9% lending rate.
Credit Guarantee Coverage
Via CGTMSE
Government-paid credit guarantee fee for eligible loans up to ₹2 crore under the CGTMSE scheme.
Flexible Repayment
Up to 7 Years
Repayment based on project cash flow, with a moratorium period ranging from 6 months to 2 years.
Who Can Apply?
Check whether your business qualifies before starting the application process.
Farmers, FPOs, PACS and Cooperatives
Eligibility requirement for application approval.
Agri-Entrepreneurs, Startups and MSMEs
Eligibility requirement for application approval.
Self Help Groups (SHGs)
Eligibility requirement for application approval.
Central/State Agencies and Local Bodies
Eligibility requirement for application approval.
Registered Private Companies Undertaking Eligible Agri-Infrastructure Projects
Eligibility requirement for application approval.
Viable Post-Harvest or Community Farming Asset Project
Eligibility requirement for application approval.
Not Sure About Your Eligibility?
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📞 Free Eligibility AssessmentApplication Process
We handle everything from eligibility assessment to final approval.
Prepare DPR
Prepare a detailed project report (DPR) with cost estimates, financial projections, and viability assessment for the proposed infrastructure.
Choose Bank
Select a participating lending institution — commercial banks, cooperative banks, RRBs, NBFCs, or NABARD.
Submit Application
Apply through the official AIF Management Information System portal and upload all required documents.
Bank Appraisal & Sanction
The lending institution appraises the project's viability and cash flows before sanctioning the loan.
Disbursement & Subvention
On disbursement, interest subvention and CGTMSE credit guarantee coverage are applied automatically as per eligibility.
Required Documents
PAN Card
Aadhaar Card
Detailed Project Report (DPR)
Land Documents / Proof of Site
Certificate of Incorporation (For Companies/FPOs, If Applicable)
Bank Account Details
Financial Projections & Cost Estimates
Udyam Registration (If Applicable for MSMEs)
Why Choose LegalNova?
Expert Guidance
High Approval Rate
Fast Processing
End-to-End Support
Quick Benefits
- ₹1 Lakh Crore Fund
- 3% Interest Subvention
- CGTMSE Credit Guarantee
Ready to Apply?
Get professional assistance from Legal Nova and maximize your chances of approval.