Post-Harvest Infrastructure & LoansCentralMode: Online DBT Portal
Agriculture Infrastructure Fund (AIF): 3% Interest Subvention Loan
कृषि अवसंरचना कोष (एआईएफ 3% ब्याज छूट ऋण)
Nodal Authority: Ministry of Agriculture & Farmers Welfare (MoA&FW)
The ₹1 Lakh Crore AIF scheme provides medium-to-long term debt financing for post-harvest management infrastructure, minimizing distress crop sales and post-harvest produce rot.
Max Subsidy Cap
3% interest reduction per year on loans up to ₹20,000,000
Small/Marginal Share
3% annual interest subvention + Free CGTMSE fee coverage up to ₹2 Cr
Funding Pattern
100% Central : 0% State
Toll-Free Helpline
011-23382012
Subsidy Slabs by Farmer Category
| Farmer Social Category | Government Subsidy Share |
|---|---|
| Small & Marginal Farmers (< 2 Hectares) | 3% annual interest subvention + Free CGTMSE fee coverage up to ₹2 Cr |
| Women Farmers | 3% subvention + preferential bank sanctioning |
| Scheduled Caste (SC) & Scheduled Tribe (ST) | 3% subvention + special focus on PACS & FPOs |
| General / Large Farmers (> 2 Hectares) | 3% subvention on loans up to ₹2 Crore |
Mandatory Eligibility Requirements
- Primary Agricultural Credit Societies (PACS), FPOs, Agri-entrepreneurs, Startups, and Individual Farmers.
- Projects must focus on post-harvest management (Cold storage, Godown, Sorting & Grading lines, Silos, Primary Processing).
Step-by-Step Application Process
- 1Prepare DPR for cold store, warehouse, custom hiring center, or solar drying unit.
- 2Register on the central AIF portal (agriinfra.dac.gov.in) and upload DPR.
- 3Select preferred commercial, cooperative, or regional rural bank (RRB).
- 4Ministry project management unit approves eligibility in 7 to 10 days.
- 5Selected bank branch sanctions and disburses loan with automatic 3% subvention adjustment.
Required Documents Checklist
Detailed Project Report (DPR) with cash-flow projections
Land ownership or lease deed (minimum 10-year lease)
Entity Registration Certificate (for FPOs/Cooperatives)
KYC documents of promoters and past 3 years bank statements
Direct Application Link
AIF Central Portal (Ministry of Agriculture)
Submit your application directly through the authorized government portal:
Open Official PortalFarmer Helpline: 011-23382012
Top Farmer Benefits
- Reduces effective bank interest rate on infrastructure term loans down to ~5.5% to 6.5%.
- No collateral requirement for loans up to ₹2 Crore under CGTMSE credit guarantee.
- Moratorium on principal repayment up to 2 years.
Other Post-Harvest Infrastructure & Loans Schemes
Check Your Complete State Entitlements
Enter your landholding acreage to match all eligible state and central agricultural subsidies.
Open Subsidy MatcherFAQ
Frequently asked questions
₹1 Lakh Crore financing facility with 3% per annum interest subvention up to ₹2 Crore for up to 7 years + CGTMSE credit guarantee. Specifically, small & marginal farmers receive 3% annual interest subvention + Free CGTMSE fee coverage up to ₹2 Cr, while women and SC/ST farmers receive 3% subvention + preferential bank sanctioning. The maximum assistance is capped at 3% interest reduction per year on loans up to ₹20,000,000.
Applicants must submit: Detailed Project Report (DPR) with cash-flow projections, Land ownership or lease deed (minimum 10-year lease), Entity Registration Certificate (for FPOs/Cooperatives), KYC documents of promoters and past 3 years bank statements. All documents must be clearly scanned and linked to your active Aadhaar-seeded bank account.
You can apply directly through AIF Central Portal (Ministry of Agriculture) (https://agriinfra.dac.gov.in) or visit your local Common Service Center (CSC / VLE). Follow the step-by-step procedure: (1) Register with Aadhaar, (2) Upload land records and quotations, (3) Receive pre-sanction, and (4) Complete geotagged verification.
Key qualifying conditions include: Primary Agricultural Credit Societies (PACS), FPOs, Agri-entrepreneurs, Startups, and Individual Farmers.; Projects must focus on post-harvest management (Cold storage, Godown, Sorting & Grading lines, Silos, Primary Processing)..