Agriculture Infrastructure Fund (AIF) Application Assistance

Agriculture Infrastructure Fund (AIF) Application Assistance

Get complete application assistance for AIF - ₹1 Lakh Crore financing facility with 3% interest subvention up to ₹2 Crore and credit guarantee. We handle project type selection, DPR creation, bank coordination, and loan approval.

⏰ Why Apply Now? (5 Critical Reasons)

1. Limited Time: Only 2 years remaining (loan disbursement ends March 2026)
2. High Demand: Many farmers/FPOs applying - funds may exhaust soon
3. Best Terms: 3% interest subvention + credit guarantee (rare combination)
4. Flexible Repayment: 6-24 months moratorium + 7 years repayment
5. 35 Project Options: Cold Storage, Processing Units, CHC, Solar Projects, etc. - wide variety

ROI Example: FPO Cold Storage (₹50 Lakh loan, 9% interest) = ₹2-3 Lakh/year rental income. Investment recovered in 2-3 years.

Special for FPOs: 20% discount for 5+ projects. Contact us

💰 Scheme Benefits - What You Get

Total Fund Available: ₹1 Lakh Crore (All India)

1. Interest Subvention (Interest Rate Discount)

What it means: Government pays 3% of your loan interest every year.

Example:

• If bank charges 12% interest per year
• Government pays 3% on your behalf
• You pay only 9% interest (instead of 12%)

Details:

• Benefit: 3% per annum interest subvention
• Maximum Loan Amount: Up to ₹2 Crore per project
• Duration: Maximum 7 years
• Important: If your loan is ₹3 Crore, subsidy applies only to first ₹2 Crore. You pay full interest on remaining ₹1 Crore.

2. Credit Guarantee

What it means: Government guarantees your loan to the bank.

Benefits:

• Bank gets confidence to approve your loan
• Government pays the guarantee fee (you don’t pay)
• Coverage: Up to ₹2 Crore per project

3. Loan Terms (Very Flexible)

• Moratorium Period: 6 months to 2 years (no repayment during this time)
• Total Repayment Period: Up to 7 years (after moratorium)
• Interest Rate: Capped by Government (negotiated with banks)

💵 Financial Terms - What You Must Pay

Promoter Contribution (Your Share)

You must invest minimum 10% of project cost from your own money.

Example:

• Project cost: ₹10 Lakh
• You must pay: ₹1 Lakh (10%) from your savings
• Bank loan: ₹9 Lakh (90%)

Important Rules:

1. Minimum 10% from own funds - This is mandatory
2. Other subsidies count: If you get ₹50,000 subsidy from another scheme, it counts towards your 10% share
3. Still need own money: Even with other subsidies, you must have some own money (minimum 10% total)

Example with Other Subsidy:

• Project cost: ₹10 Lakh
• Subsidy from other scheme: ₹50,000 (5%)
• You still need: ₹50,000 more from own money (to reach 10% total)
• Bank loan: ₹9 Lakh (90%)

What You Pay Monthly (After Loan Approval)

Example for ₹10 Lakh Loan (9% interest, 7 years):

• Monthly EMI: Approximately ₹14,000-15,000
• (Exact amount depends on moratorium period and bank terms)

✅ Who Can Apply

Who Can Apply:

• Individual Farmers
• FPOs (Farmer Producer Organizations)
• PACS (Primary Agricultural Credit Societies)
• Entrepreneurs & Startups
• SHGs (Self Help Groups) & JLGs
• APMCs (Agricultural Produce Market Committees)
• Cooperatives
• Central/State Agencies

Project Requirements:

• Project must be viable (profitable)
• Must have land ownership or lease documents
• Each project must be in different location (different village/town)

Project Limits:

• Private individuals/companies: Maximum 25 projects
• FPOs/Cooperatives/State Agencies: No limit
• APMCs: Multiple projects allowed in their market area

🏗️ All 35 Eligible Project Types

Category 1: Post-Harvest Management (Storage & Processing)

1. Cold Storage & Warehousing - Cold storage, cold chains, warehouses, silos for storing fruits, vegetables, grains
2. Warehouses & Silos - Grain storage warehouses and silos
3. Rice Mill - Rice processing and milling units
4. Flour Mill - Wheat flour milling and processing
5. Dal Mill - Pulses (dal) processing and milling
6. Spice Processing Unit - Spice grinding, processing, packaging
7. Turmeric Processing Unit - Turmeric processing and value addition
8. Cashew Processing Unit - Cashew processing and value addition
9. Banana Ripening Chamber - Controlled atmosphere ripening for bananas
10. Fruit and Vegetable Processing Unit - Processing, packaging, value addition for fruits and vegetables
11. Packaging Units - Packaging and labeling units for agricultural produce
12. Grading, Sorting & Assaying Units - Quality grading, sorting, and testing facilities
13. Reefer Vans & Insulated Vehicles - Refrigerated transport vehicles for cold chain

Category 2: Farm Machinery & Technology

14. Custom Hiring Centres (CHC) - Farm machinery rental centers (minimum 4 implements)
15. Smart & Precision Farming - Drones, sensors, AI, Blockchain, GIS advisory systems
16. Farm/Harvest Automation - Combine harvesters, sugarcane harvesters, automated equipment
17. Tractors - (Only for groups/organizations, not individual farmers)

Category 3: Energy & Renewable Resources

18. Solar Projects (PM-KUSUM) - Solar power plants (up to 2MW), standalone solar pumps, grid-connected pump solarization
19. Organic Inputs Production - Vermicomposting, bio-stimulant production units
20. Compressed Biogas (CBG) Plants - Biogas compression and bottling plants

Category 4: Cultivation & Inputs

21. Nursery & Tissue Culture - Plant nurseries and tissue culture labs
22. Seed Processing - Seed cleaning, processing, and storage units
23. Poly House / Greenhouse - Protected cultivation structures
24. Hydroponic, Mushroom, Vertical & Aeroponic Farming - Soilless farming systems

Category 5: Specialized Processing

25. Sericulture & Honey Processing - Silk production and honey processing units
26. Plant Quarantine Units - Plant health and certification facilities
27. Integrated Spirulina Production & Processing - Spirulina cultivation and processing

Category 6: Waste Management & Marketing

28. Farm Residue/Waste Management Infrastructure - Agricultural waste management and processing
29. E-Marketing Platforms - Digital marketing and supply chain platforms

Category 7: APMC Infrastructure

30. APMC Pack House - Pack houses for sorting, grading, packaging in APMC yards
31. APMC Ripening Chamber - Ripening chambers for fruits and vegetables
32. APMC Waxing Plant - Waxing and coating facilities
33. APMC Cold Storage - Cold storage within APMC market areas
34. APMC Arrival & Exit Facilities - Infrastructure for vehicle movement and produce handling

Category 8: Logistics

35. Logistics Facilities (Non-Refrigerated Vehicles) - Transportation vehicles (only for groups/organizations, not individual farmers)

⚠️ Important Conditions & Rules

1. Promoter Contribution (Your Investment)

• Minimum 10% from own funds - This is mandatory, cannot be waived
• Other subsidies help: Capital subsidy from other schemes (MIDH, PMFME, etc.) counts towards your 10%
• Still need own money: Even with other subsidies, you must contribute minimum 10% total

2. Location Rules

• Each project must be in a different location (different village/town with different LGD code)
• Exception: APMCs can have multiple projects in their market area (but different types)

3. Loan & Subsidy Limits

• Interest subvention: Maximum ₹2 Crore per project (at one location)
• Loan amount: Can be higher than ₹2 Crore, but subsidy only on first ₹2 Crore
• Example: ₹5 Crore loan = 3% subsidy on ₹2 Crore, full interest on ₹3 Crore

4. Ineligible Projects

• ❌ Production of alcoholic beverages
• ❌ Standalone secondary processing (biscuits, bread, soaps, cosmetics) - unless linked to primary processing

5. Time Limit - Apply Now!

• Loan disbursement ends: March 2026 (only 2 years remaining)
• Scheme period: Till March 2032, but loans must be disbursed by March 2026
• Urgency: Apply immediately to secure your loan

📋 Our Service - What We Do

We provide complete assistance for AIF loan application:

1. Project Type Selection

• Help you choose the right project type from 35 options
• Assess your needs, land, and market potential
• Verify project viability

2. Eligibility Verification

• Check if you meet all eligibility criteria
• Verify land documents and ownership
• Assess promoter contribution capacity

3. DPR Creation (Detailed Project Report)

• Technical feasibility study
• Financial projections and viability analysis
• Project cost estimates
• Bank-ready DPR document

4. Document Collection & Verification

• List all required documents
• Help collect and organize documents
• Verify document completeness

5. Bank Coordination & Application

• Identify suitable participating banks
• Submit loan application with DPR
• Coordinate with bank officials
• Handle bank queries and clarifications

6. Follow-up & Loan Approval

• Track application status regularly
• Follow up with bank until approval
• Assist with any additional requirements
• Support until loan disbursement

📄 Documents Required

Essential Documents:

1. Identity Proof

   • Aadhaar card
   • PAN card

2. Address Proof

   • Aadhaar card (address)
   • Utility bills (if different address)

3. Land Documents

   • Land ownership documents (7/12, 8A, Property Card)
   • Lease agreement (if land is leased)
   • Site location details and photos

4. Bank Details

   • Bank account details (Aadhaar-linked)
   • Cancelled cheque or passbook copy
   • Bank statements (last 6-12 months)

5. Business Registration (if applicable)

   • FPO registration certificate
   • Cooperative registration
   • Company registration (for entrepreneurs)
   • SHG registration

6. Project Documents

   • Technical specifications
   • Project cost estimates/quotes
   • Machinery/infrastructure quotations
   • Project Report/DPR (if already prepared)

7. Financial Documents (for existing businesses)

   • Income Tax Returns (ITR) - last 3 years
   • Balance sheets and profit/loss statements
   • GST returns (if applicable)

8. Other Documents

   • Passport size photos
   • Any other documents as per bank requirements

🔄 Convergence with Other Schemes

AIF can be combined with other Central/State schemes:

• MIDH (Horticulture schemes)
• PMFME (Micro Food Enterprises)
• SMAM (Subsidy on Agricultural Machinery)
• PM-KUSUM (Solar schemes)
• Gobar-Dhan, AMI, etc.

How it works:

• Subsidy from other schemes counts as your promoter contribution
• Example: ₹10 Lakh project, ₹50,000 MIDH subsidy = 5% contribution
• You still need minimum 5% more from own money (to reach 10% total)

Prefer a form? Use our secure request form and we’ll reply on WhatsApp right away.