Agriculture Infrastructure Fund (AIF)
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1. Snapshot
· Launch: 2020
· Ministry: Agriculture & Farmers Welfare
· Type: Credit Guarantee + Interest Subvention Scheme
· Objective: Develop post-harvest infrastructure
2. Key Features
· Loan Limit: Up to ₹2 crore (interest subvention eligible)
· Interest Subvention: 3% per annum
· Moratorium: 6 months to 2 years
· Coverage: 10 years
3. Eligible Activities
✔ Warehouses & godowns
✔ Cold storage & cold chains
✔ Primary processing centres
✔ Assaying, grading & sorting units
✔ Agri logistics (pack houses, silos)
Not Eligible:
· Pure trading activities
4. Financial Pattern
· Bank Loan: Term loan based
· Interest Subvention: 3% (Govt support)
· Credit Guarantee: CGTMSE coverage available
5. Banking Lens
· Priority Sector Lending (Agriculture Infrastructure)
· Viability based on cash flows
· Cluster / FPO-based financing preferred
6. Governance & Economic Impact
· Reduces post-harvest losses
· Improves farmer price realization
· Strengthens agri supply chain
7. Official Source
· https://agriinfra.dac.gov.in
· Ministry of Agriculture Guidelines
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