Government Schemes · Farmer Schemes
Agriculture Infrastructure Fund (AIF)
3% interest subvention on loans for farm-gate infrastructure
FarmersAll of India
Updated on 16 Oct 2026
What you get
Loans for post-harvest and community farming assets - warehouses and silos, cold stores and cold chains, sorting, grading and packaging units, ripening chambers, primary processing and more - carry an interest subvention of 3% a year on up to Rs 2 crore per project in a location, for up to 7 years. The government pays the CGTMSE credit-guarantee fee on loans up to Rs 2 crore. Repayment runs up to 7 years, including a moratorium of up to 2 years.
Who can apply
Farmers, Farmer Producer Organisations and their federations, Primary Agricultural Credit Societies, marketing and multipurpose cooperative societies, Self Help Groups and their federations, Joint Liability Groups, agri-entrepreneurs, start-ups, Agricultural Produce Market Committees, state agencies, federations of cooperatives, and public-private partnership projects.
How to apply
Register as a beneficiary on the AIF portal and apply for the loan through a participating lending institution - commercial, cooperative, regional rural and small finance banks, NCDC and NBFCs. The scheme's Project Management Unit helps with preparing the project.
Documents you need
- Bank's loan application form or request letter for an AIF loan
- Passport-size photographs of the promoters
- Identity proof: voter ID card, PAN card, Aadhaar card or driving licence
- Address proof of residence and of the business
- Registration proof of the company, firm or MSME, as applicable
- Land ownership or lease records
- Detailed Project Report
- Bank statement for the last year and income tax returns, if available
- Local authority permissions and building sanction, as applicable
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