Agriculture Infrastructure Fund — Quick Overview
| Scheme Name | Agriculture Infrastructure Fund (AIF) 2026 — ₹1 Lakh Crore for Post-Harvest Infra | 3% Interest Subvention | agriinfra.dac.gov.in |
| Launched By | Government of India |
| Launch Year | 2020 |
| Benefit | 3% interest subvention on loan (bank rate ~10-12% → effective 7-9%) + CGTMSE credit guarantee up to ₹2 crore + No collateral for loans up to ₹2 crore + Available till 2032-33 |
| Category | Agriculture |
| Last Verified | 24 May 2026 |
| Official Portal | https://agriinfra.dac.gov.in |
What is Agriculture Infrastructure Fund?
Agriculture Infrastructure Fund (AIF) is a central government financing facility launched on 9 August 2020 by PM Modi with a total corpus of ₹1 lakh crore (₹1 trillion) available from FY2020-21 to FY2032-33. AIF provides medium-to-long-term debt financing at 3% interest subvention (interest subsidy) per annum for creating post-harvest management infrastructure and community farming assets across India. Eligible projects: Primary Processing Centres (PPCs), Cold Storage Chains, Collection Centres, Warehouses (silos, godowns), Custom Hiring Centres (CHCs) for farm equipment, Packing Houses, Ripening Chambers (for banana/mango/tomato), Assaying Units (quality testing), e-Marketing platforms, Drying Yards, and Smart/Controlled Atmosphere Cold Stores. Eligible beneficiaries: Individual farmers, FPOs (Farmer Producer Organisations), SHGs, Cooperatives, Startups (agri-tech), Central/State Agencies, APMCs (Agricultural Produce Market Committees). Credit Guarantee: Projects up to ₹2 crore get credit guarantee through CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) — reducing collateral requirement. Interest subvention of 3% p.a. is available on loans up to ₹2 crore — reducing effective interest rate from bank's typical 10-12% to just 7-9%. As of 2026, over ₹60,000 crore has been sanctioned under AIF covering 70,000+ projects across India.
Under this scheme, eligible beneficiaries receive 3% interest subvention on loan (bank rate ~10-12% → effective 7-9%) + CGTMSE credit guarantee up to ₹2 crore + No collateral for loans up to ₹2 crore + Available till 2032-33. The scheme was launched in 2020 and is implemented by the Government of India.
कृषि अवसंरचना कोष (AIF) 9 अगस्त 2020 को PM मोदी द्वारा ₹1 लाख करोड़ के corpus के साथ शुरू हुआ (2020-21 से 2032-33 तक)। फसल कटाई के बाद की infrastructure — Primary Processing Centres, Cold Storage, Warehouses, Custom Hiring Centres, Packing Houses, Ripening Chambers, Drying Yards — बनाने के लिए 3% ब्याज subsidy और ₹2 करोड़ तक CGTMSE credit guarantee। लाभार्थी: किसान, FPO, SHG, Cooperatives, Agri-startups, APMCs। 2026 तक ₹60,000 करोड़+ sanctioned, 70,000+ projects।
3% ब्याज subsidy (bank rate 10-12% → effective 7-9%) + ₹2 करोड़ तक CGTMSE credit guarantee + ₹2 करोड़ तक कोई collateral नहीं + 2032-33 तक उपलब्ध
Benefits of Agriculture Infrastructure Fund
3% interest subvention on loan (bank rate ~10-12% → effective 7-9%) + CGTMSE credit guarantee up to ₹2 crore + No collateral for loans up to ₹2 crore + Available till 2032-33
Who is Eligible for Agriculture Infrastructure Fund?
- ✓Individual Farmers (small, marginal, large)
- ✓Farmer Producer Organisations (FPOs) — registered under Companies Act or Co-operative Societies Act
- ✓Self Help Groups (SHGs) — particularly women SHGs for small processing units
- ✓Joint Liability Groups (JLGs) of farmers
- ✓Agriculture Entrepreneurs / Agri-tech Startups (DPIIT-recognised or state-recognised)
- ✓Primary Agricultural Credit Societies (PACS) and Multi-Purpose Cooperative Societies
- ✓Farmer Cooperatives and federations
- ✓APMCs (Agricultural Produce Market Committees)
- ✓Central and State Government Agencies engaged in agri-marketing
- ✓Local Bodies (Panchayats) for community-level agri infrastructure
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Documents Required for Agriculture Infrastructure Fund
How to Apply for Agriculture Infrastructure Fund Online?
- 1Visit agriinfra.dac.gov.in → 'Apply Now' → Register with Aadhaar / entity registration number
- 2Select project category: Cold Storage / Warehouse / Primary Processing Centre / Custom Hiring Centre / Packing House / Ripening Chamber / Drying Yard / e-NAM node / Silos
- 3Fill project details: Location, capacity, estimated cost, proposed loan amount, land availability
- 4Upload Detailed Project Report (DPR) — you can get free DPR preparation assistance from NABARD district office or state agriculture department
- 5The AIF portal routes your application to your preferred bank: SBI, PNB, BoB, BoI, NABARD, SIDBI, or any Scheduled Commercial Bank
- 6Bank processes loan application — credit appraisal + site visit + technical evaluation
- 7On sanction: Bank applies 3% interest subvention on your behalf from Ministry of Agriculture
- 8For loans up to ₹2 crore: CGTMSE guarantee auto-applied — NO collateral security required
- 9Loan disbursed in phases tied to construction/installation milestones
- 10Interest subvention credited quarterly to your loan account — reducing effective EMI
Official Government Portal
Apply directly on the official government website. This is the only authorised portal — never pay anyone to apply on your behalf.
🔗Apply on agriinfra.dac.gov.inFrequently Asked Questions — Agriculture Infrastructure Fund
Common Questions About Agriculture Schemes
When is the next PM Kisan installment?+
PM Kisan instalments are released 3 times a year — April-July, August-November, and December-March. The exact date is announced by the government.
How to check PM Kisan status?+
Go to pmkisan.gov.in, click 'Beneficiary Status', enter your Aadhaar number or mobile number to check your payment status.
What crops are covered under PM Fasal Bima Yojana?+
Food crops (cereals, millets, pulses), oilseeds, and annual commercial/horticultural crops that are notified by respective state governments.
What is the premium rate for PMFBY?+
Kharif crops: 2% of sum insured; Rabi crops: 1.5%; annual commercial/horticultural crops: 5%. The rest of the premium is borne by the government.
What is the interest rate on Kisan Credit Card?+
The base interest rate is 9% p.a. The government provides a 2% interest subvention, bringing it to 7%. If you repay on time, an additional 3% prompt repayment incentive applies — making the effective rate just 4% per annum for loans up to Rs.3 lakh.
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