AIF – Agriculture Infrastructure Fund
A ₹1 lakh crore central-sector financing facility for farm-gate and post-harvest infrastructure. 3% interest subvention on loans up to ₹2 crore plus CGTMSE credit-guarantee cover.
The Agriculture Infrastructure Fund is a Central Sector Scheme of the Department of Agriculture & Farmers Welfare, announced on 15 May 2020 with a corpus of ₹1 lakh crore. It provides medium- to long-term debt financing for post-harvest management infrastructure and viable farming assets. The scheme is operational from 2020-21 to 2032-33, with loan disbursement to be completed by the end of FY 2025-26. As of 30 June 2024, ₹43,391 crore had been sanctioned and ₹28,171 crore disbursed.
3% Interest Subvention
3% per annum interest subvention on loans up to ₹2 crore for a maximum of seven years. On loans above ₹2 crore, the subvention is capped at the ₹2 crore portion.
CGTMSE Credit Guarantee
Collateral-free credit-guarantee cover under CGTMSE for loans up to ₹2 crore, with the guarantee fee paid by the Government. FPOs may also use the NABSanrakshan Trustee facility under the FPO promotion scheme.
7-Year Repayment
Repayment tenure up to seven years, including a moratorium of up to two years.
Multiple Projects Allowed
One entity may set up projects at multiple locations. Private entities (farmer, agri-entrepreneur, start-up) capped at 25 projects; no cap for state agencies, cooperatives, FPOs, SHGs and their federations.
Convergence with Other Schemes
Grants and subsidies from any current or future Central/State scheme (MIDH, PMFME, SMAM, Gobar-Dhan, PMKSY, AMI, RKVY, PM-KUSUM, PMEGP, etc.) can be availed alongside AIF. Capital subsidy counts toward promoter's contribution; a minimum 10% promoter contribution is mandatory.
SC/ST and Weaker-Section Focus
24% of grants-in-aid earmarked for SC/ST entrepreneurs (16% SC, 8% ST). Women and other weaker segments are prioritised for lending.
Apply Online
Applications are filed on the national AIF portal at agriinfra.dac.gov.in, with transparent lender rates, minimum documentation and integrated benefits.
- Farmers, Farmer Producer Organisations (FPOs) and Federations of FPOs
- Primary Agricultural Credit Societies (PACS) — digitised PACS get preference
- Marketing Cooperative Societies and Multipurpose Cooperative Societies
- Self Help Groups (SHGs), Joint Liability Groups (JLGs) and Federations of SHGs
- Agri-entrepreneurs and start-ups (max 25 projects per entity)
- APMCs / Mandis operating regulated markets for agriculture and allied sector produce including fisheries
- National and State Federations of Cooperatives, State Agencies, Local Bodies
- Public-Private Partnership (PPP) projects sponsored by Central/State/Local bodies
Official Portal
agriinfra.dac.gov.in
Profinical maps your project to the scheme, prepares the application and documents, and coordinates with the lender and portal end to end.
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