Agri Infrastructure Fund (AIF)
The Agri Infrastructure Fund (AIF) is a transformative financing scheme launched by the Government of India in 2020 under the Ministry of Agriculture and Farmers’ Welfare. This scheme is a critical part of the government’s long-term vision to build a robust post-harvest infrastructure system that supports the country’s agricultural economy. The goal is to reduce the massive post-harvest losses in India, enhance value addition in the agricultural supply chain, and create modern infrastructure right at the farm gate. In a country where agriculture forms the backbone of rural livelihoods, AIF serves as a catalyst for creating scientific storage, improving logistics, and boosting the profitability of farming communities and agri-entrepreneurs.
The scheme provides a dedicated financing facility worth ₹1 lakh crore over ten years (2020–2030), targeting individuals, groups, and businesses involved in agriculture and allied sectors. These loans come with a 3% interest subvention per annum for a maximum period of seven years, along with credit guarantee support, making it highly attractive for small and medium-scale entrepreneurs. One of the core advantages of AIF is its flexibility in the types of projects supported — ranging from warehouses, cold storage units, and grading centers to advanced infrastructure like primary processing units, ripening chambers, and precision farming facilities. This encourages not only better storage and processing of produce but also supports local employment and rural entrepreneurship.
AIF also aligns with India’s mission to make agriculture globally competitive and sustainable. By improving the value chain between the farmer and the market, it ensures better price realization and reduced dependency on intermediaries. Importantly, the fund supports the creation of decentralized infrastructure, empowering farmers and FPOs to retain ownership of their produce until optimal sale. At ADIT FINSAGE ADVISORY, we recognize the enormous potential of this scheme for clients in food processing, logistics, and packaging sectors. Whether you're an FPO planning a grading facility or a private firm looking to build a cold chain network, AIF can give you the capital support and policy push needed to succeed. With our complete consultancy service — from DPR to loan processing — we make it easier for you to tap into this impactful opportunity.
✅ What is the Scheme?
A ₹1 lakh crore financing facility for farm-gate and post-harvest infrastructure projects with interest subvention and credit guarantee support.
Who Can Apply?
- Individual farmers
- Farmer Producer Organizations (FPOs)
- PACS & SHGs
- Cooperatives
- Agri-startups
- Private companies
- State/Central agencies
How to Use the Scheme?
Apply through scheduled banks with a detailed project report. Ensure alignment with eligible activities. Loan is processed through AIF’s online portal and bank partnerships.
Our Support
- Bank-ready DPR preparation
- Project feasibility analysis
- Application submission & documentation
- Liaison with banks and government bodies
- Post-sanction compliance & follow-up
Why Choose Us?
- In-depth knowledge of AIF scheme guidelines
- Experience with food/agri infrastructure projects
- Trusted by entrepreneurs across Kerala
- Transparent, end-to-end consultancy
- Quick turnaround and personal guidance
Eligible Projects
- Warehouses
- Cold storage units
- Pack houses
- Sorting and grading units
- Primary processing centers
- Ripening chambers
- Organic input production units
- Custom hiring centers
- Smart/precision agri-infrastructure
- Logistics and aggregation hubs
Documents Required
1. Cibil score 730+
2. Aadhar, Pan
3. Photo
4. Gst certificate
5. Panjayath licence
6. Pollution certificate
7. Fssai
8. Kswift
9. Eb allocation
10. Lease/rental agreement
11. Bank passbook
12. Msme/udyam certificate
13. Age limi 18 - 58max
14. New/existing business
Benefits & Advantages
- 3% interest subvention on loans up to ₹2 crore
- Credit guarantee via CGTMSE
- 7-year repayment period with 2-year moratorium
- Encourages rural entrepreneurship
- Enhances value addition in agriculture
- Strengthens farm-to-market infrastructure