Agriculture Infrastructure Fund (AIF) Subsidy – Central Govt (DA&FW)
Snapshot (Guidelines)
| Sl No | Particulars | Remarks |
| 01 | Scheme Name | Agriculture Infrastructure Fund (AIF) |
| 02 | Department | Department of Agriculture, Cooperation & Farmers Welfare |
| 03 | Ministry | Ministry of Agriculture & Farmers Welfare |
| 04 | Scheme Announced on | 15-05-2020 (Revised Guidelines issued in May 2022) |
| 05 | Scheme (Implementation) Period | 2020 - 21 to 2032 - 33 |
| 06 | Budget |
₹ 1 lakh Crore (1,00,000 Cr) which will be distributed accordingly 2020-21 : ₹ 4000 Cr 2021-22 : ₹ 16000 Cr 2022-23 to 2025-26 : ₹ 20000 Cr per year |
| 07 | Objective | To improve agriculture infrastructure in the country |
| 08 | Eligible Projects | The scheme will facilitate the setting up and modernization of key elements of the Agri value chain |
| 09 | Who are Eligible |
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| 10 | Benefits under the Scheme |
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| 11 | Mode of Application | Online |
| 12 | Participatory Institutions | All scheduled commercial banks scheduled cooperative banks, Regional Rural Banks (RRBs), Small Finance Banks, Non-Banking Financial Companies (NBFCs) and National Cooperative Development Corporation (NCDC) may participate to provide this financing facility, after signing of the Memorandum of Understanding (MoU) with National Bank for Agriculture & Rural Development (NABARD) / DA&FW. |
| 13 | Implementing Agencies | Monitoring Committees will be set up at the National, State, and District levels. This will ensure real-time monitoring and effective feedback on the implementation of the scheme. |
Eligible Criteria’s
| Sl No | Particulars | Inputs |
| 01 | Promoter Contribution (Own Contribution) | 10% of the Project Cost |
| 02 | Term Loan (TL) | Loan disbursement should be made between 2020-21 to 2025-26 to be eligible to claim Interest Subvention |
| No minimum or maximum loan cap on Term Loan taken,but the maximum benefit will be ₹ 2 Cr per Project. | ||
| 03 | Time required for Loan Disbursement | 60 days from the date of application of the Loan. |
| 04 | Moratorium period | Minimum of 6 months and Maximum of 2 years.(Moratorium period will vary from project to project) |
| 05 | Interest Subvention | Loans under 2 Crores |
| - All loans under this financing facility will have interest subvention of 3% per annum up to a limit of Rs. 2 crore | ||
| - Maximum Period of 7 Years | ||
| Loans above 2 Crores | ||
| - Interest subvention will be limited up to 2 crore | ||
| - Extent and percentage of funding to private entrepreneurs out of the total financing facility may be fixed by the National Monitoring Committee. | ||
| 06 | Credit Guarantee | Credit guarantee coverage will be available for eligible borrowers from this financing facility under Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) up to ₹ 2 Crores |
| In case of FPOs the credit guarantee may be availed from the facility created under FPO promotion scheme of DACFW. | ||
| 07 | Convergence | Any grant or subsidy available under any present or future scheme of Central / State government can be availed for projects under this financing facility. |
| If in case of Capital subsidy, such amount shall be considered as promoter’s contribution | ||
| 08 | Number of Projects per entity eligible under the scheme |
25 projects (In different locations) For a private sector entity, such as Farmer, Agri entrepreneur, or Start-up there will be a limit of a maximum of 25 such projects. Each of such projects will be eligible under the scheme for loans up to ₹ 2 crores. This limitation of 25 projects will not be applicable to state agencies, cooperatives, national and state federations of cooperatives, FPOs, federations of FPOs, SHGs, and federation of SHGs. |
Statewise - Budget Allocation
Tentative Allocation of Financing Facility among States / UTs
| Sl No | State |
Financing Facility(₹ in Cr) |
| 01 | Uttar Pradesh | 12,831 |
| 02 | Rajasthan | 9,015 |
| 03 | Maharashtra | 8,460 |
| 04 | Madhya Pradesh | 7,440 |
| 05 | Gujarat | 7,282 |
| 06 | West Bengal | 7,260 |
| 07 | Andhra Pradesh | 6,540 |
| 08 | Tamil Nadu | 5,990 |
| 09 | Punjab | 4,713 |
| 10 | Karnataka | 4,525 |
| 11 | Bihar | 3,980 |
| 12 | Haryana | 3,900 |
| 13 | Telangana | 3,075 |
| 14 | Kerala | 2,520 |
| 15 | Odisha | 2,500 |
| 16 | Assam | 2,050 |
| 17 | Chhattisgarh | 1,990 |
| 18 | Jharkhand | 1,445 |
| 19 | Himachal Pradesh | 925 |
| 20 | Jammu, Kashmir and Ladakh | 900 |
| 21 | Uttarakhand | 785 |
| 22 | Tripura | 360 |
| 23 | Arunachal Pradesh | 290 |
| 24 | Nagaland | 230 |
| 25 | Manipur | 200 |
| 26 | Mizoram | 196 |
| 27 | Meghalaya | 190 |
| 28 | Goa | 110 |
| 29 | Delhi | 102 |
| 30 | Sikkim | 56 |
| 31 | Puducherry | 48 |
| 32 | Andaman and Nicobar Islands | 40 |
| 33 | Daman and Diu | 22 |
| 34 | Lakshadweep | 11 |
| 35 | Dadra and Nagar Haveli | 10 |
| 36 | Chandigarh | 09 |
| Total | 1,00,000 |
Eligible Projects - Agriculture Infrastructure Financing Facility (AIF)
Crop-wise eligible PHM & Primary Processing Projects| Sl No | Particulars | Sl No | Particulars |
| 01 | Cereals (Wheat, Paddy, etc.) | 09 | Coffee |
| 02 | Fruits and vegetables | 10 | Jute |
| 03 | Oilseeds | 11 | Cashew |
| 04 | Pulses | 12 | Moringa |
| 05 | Cotton | 13 | Tea |
| 06 | Sugarcane | 14 | Rubber |
| 07 | Spices | 15 | Herbal and Medicinal Crops |
| 08 | Cocoa |
Post-Harvest Management Projects
| Sl No | Particulars | Sl No | Particulars |
| 16 | Supply chain services including e-marketing platforms | 22 | Cold Stores and Cold Chain |
| 17 | Warehouses | 23 | Logistics facilities |
| 18 | Silos | 24 | Primary processing centers |
| 19 | Packaging units | 25 | Ripening Chambers |
| 20 | Assaying units | 26 | Waxing plants |
| 21 | Sorting & Grading units |
Viable projects for building community farming assets including
| Sl No | Particulars |
| 27 | Organic inputs production |
| 28 | Bio stimulant production units |
| 29 | Infrastructure for smart and precision agriculture |
Projects on hub and spoke model
| Sl No | Particulars |
| 30 | Projects identified for providing "supply chain infrastructure for clusters of crops including export clusters". |
| 31 | PPP projects promoted by Central/State/Local Govts. or their agencies. |
Crop-wise eligible PHM & Primary Processing Activities
| Sl No | Crops | Eligible PHM & Primary Processing Activities | Ineligible PHM & Primary Processing Activities |
| 01 | Cereals (Wheat, Paddy, etc.) | Cleaning | Fermentation |
| De-stoning | Baking | ||
| Sorting & grading | Puffing | ||
| Hulling | Flaking | ||
| Milling | Frying | ||
| Pounding | Extrusion | ||
| Grinding | Blending | ||
| Tempering | Roasting | ||
| Parboiling | |||
| Soaking | |||
| Drying | |||
| Sieving | |||
| Irradiation | |||
| 02 | Fruits and vegetables | Washing | Dehydration |
| Cleaning | Concentrated products | ||
| Drying | Canning | ||
| Sorting | Juice extraction | ||
| Grading | Sterilization | ||
| Blanching for primary processing | |||
| Cooling | |||
| Waxing | |||
| Conditioning | |||
| 03 | Oilseeds | Cleaning | By-product utilization |
| De-stoning | Refining | ||
| De-husking (decorticating machines) | Neutralization | ||
| Winnowing | Bleaching | ||
| Oil extraction (ghani, hydraulic press etc. | |||
| 04 | Pulses | Cleaning | Canning |
| De-stoning | Besan | ||
| Drying | Papads | ||
| Sorting & grading | Pulse based foods | ||
| De-husking | Puffed chickpea | ||
| Splitting | Pulse polishing | ||
| De-hulling | |||
| Milling | |||
| Irradiation | |||
| 05 | Cotton | Cleaning | Fibre finishing |
| Drying | Scouring | ||
| Ginning | Purifying | ||
| Pressing & Bailing | Spinning | ||
| Lintering | Weaving | ||
| 06 | Sugarcane | Cane unloading | |
| Cleaning | |||
| Cane breaking | |||
| Cane milling | |||
| Straining | |||
| Evaporators | |||
| Centrifugation | |||
| Storage tanks | |||
| Dryers | |||
| 07 | Spices | Cleaning | Roasting |
| Drying | Sterilizing | ||
| Sorting | Thermal treatment | ||
| Boiling | |||
| Polishing | |||
| Grinding | |||
| Packaging | |||
| Storage | |||
| Irradiation | |||
| 08 | Cocoa | Cleaning | Roasting |
| Gathering of pods | Winnowing | ||
| Sorting | Alkalization | ||
| Breaking of pods | |||
| Fermentation of cocoa | |||
| Drying | |||
| Storage | |||
| 09 | Coffee | Cleaning | Roasting |
| Drying of cherries | Grinding | ||
| Washing | Extraction | ||
| Hulling | |||
| Pulping | |||
| 10 | Jute | Cutting | |
| Retting | |||
| Stripping | |||
| Washing | |||
| Drying | |||
| Bailing | |||
| Packing | |||
| Storage | |||
| 11 | Cashew | Cleaning | |
| Streaming in boiler | |||
| Shell cutting | |||
| Drying | |||
| Peeling | |||
| Grading | |||
| Packaging | |||
| 12 | Moringa | Washing | |
| Drying | |||
| Milling | |||
| Storage | |||
| Packaging | |||
| 13 | Tea | Cleaning | |
| Withering | |||
| Rolling | |||
| Fermentation | |||
| Drying | |||
| Sorting | |||
| 14 | Rubber | Mastication | |
| Mixing | |||
| Shaping | |||
| Curing | |||
| Irradiation | |||
| 15 | Herbal and Medicinal Crops | Cleaning | Syrup |
| Sorting | Pills | ||
| Drying | Cream | ||
| Roasting | |||
| Frying | |||
| Distillation | |||
| Concentration |
Check List (AIF)
| Sl No | Documents Required |
| 01 | Bank’s loan Application Form / Customer Request Letter for AIF Loan duly filled and signed |
| 02 | Passport size photographs of the Promoter / Partners / Director |
| 03 | Identity proof – Voter ID card / PAN card / Aadhaar card / Driving license |
| 04 | Address Proof : |
| i | Residence : Voter ID card / Passport / Aadhaar card / Driving license / Electricity Bill / Latest property Tax Bill |
| ii | Business Office / Registered Office : Electricity Bill / Latest Property Tax Receipt / Certificate of Incorporation in case of Companies / Certificate of Registration in case of partnership Firms |
| 05 | Proof of Registration: |
| i | In case of Company : Article of Association |
| ii | In case of Partnership : Certificate of Registration of Firm with Registrar of Firm |
| iii | In case of MSMEs : Certificate of Registration with District Industries Centre (DIC) / Udyog Aadhar Copy |
| 06 | Income Tax Return for last three years, If available. |
| 07 | Audited Balance Sheet of last 3 Years, If available. |
| 08 | GST Certificate, if applicable. |
| 09 | Land ownership records – Title deed / Lease deed. If applicable, then Permission to mortgage the Immovable Property from the Lessor in case the Property is Leasehold (for primary security) |
| 10 | ROC Search Report of the Company |
| 11 | KYC documents of the promoter / firm / company |
| 12 | Copy of Bank Statement for last one year (If available) |
| 13 | Repayment track record of existing loans (Loan Statement) |
| 14 | Net Worth Statements of Promoter |
| 15 | Detailed Project Report |
| 16 | As applicable - Local Authority permissions, Layout Plans / Estimates, Building Sanction |