Is AIF a capital subsidy?

No. AIF provides interest subvention on the eligible bank term loan and credit guarantee support. It is not a direct grant on project cost.

Can AIF be combined with other subsidies?

AIF can be combined with certain other central / state schemes for the same project subject to scheme rules and no double-financing for the same component. Confirm with your bank and refer current AIF guidelines.

Through which banks can I apply for AIF?

AIF is available through most scheduled commercial banks, cooperative banks and other participating institutions. The list is published on the AIF portal.

Agriculture Infrastructure Fund (AIF) Subsidy

Authority & official source

Department of Agriculture & Farmers Welfare, implemented through scheduled commercial banks and other lending institutions.

Verify on agriinfra.dac.gov.in

Quick facts

Authority: Department of Agriculture & Farmers Welfare
Nature: Interest subvention + credit guarantee on term loan
Project Type: Cold storage, pack house, sorting & grading, primary processing
Route: Apply through participating bank
Verify: agriinfra.dac.gov.in

What AIF supports

Cold storage and controlled atmosphere storage
Pack houses, sorting & grading units
Primary processing units linked to farm produce
Other post-harvest management infrastructure as notified

Pattern of support

AIF benefit is not a direct capital subsidy. It is interest subvention on an eligible bank term loan, plus credit guarantee support for eligible borrowers. Final interest rate and tenure are governed by bank policy on top of AIF benefit.

Loan limits and subvention details are per the current AIF guidelines. The benefit can be combined with certain other central / state schemes, subject to scheme rules.

Who can apply

Farmers and farmer groups
FPOs (Farmer Producer Organisations)
PACS, marketing cooperatives
Agri entrepreneurs, start-ups and agri-businesses
Self-help groups (SHGs)

Interactive eligibility check

Tick what's already true for your project. Your recommended next steps and CTA update live. Indicative only — final eligibility is per the official scheme guidelines.

0 of 5 criteria met0% ready

Eligible borrower category per AIF guidelines
Bankable project DPR for post-harvest infrastructure
Land ownership / long-term lease
Bank willing to sanction term loan under AIF
No double-financing for the same component from another central scheme (verify with bank)

Start with the basics first

You're at an early stage. Focus on building the foundation before applying — land, project plan and bank conversations come first.

Pending items

Eligible borrower category per AIF guidelines
Bankable project DPR for post-harvest infrastructure
Land ownership / long-term lease
Bank willing to sanction term loan under AIF
…and 1 more

Talk to Subsidy Desk for guidance Use Project Selector Read Banking Checklist Browse Knowledge Hub

Typical documents required

KYC and category-related documents (farmer / FPO / firm)
Land documents
Detailed Project Report (DPR)
Project cost & means of finance
Financial statements / ITR for entities
Bank appraisal under AIF

Application route — step by step

1Identify a participating bank or login to agriinfra.dac.gov.in
2Submit application with DPR and required documents
3Bank appraises project for term loan + AIF benefit
4On sanction, AIF interest subvention is reflected in the loan terms
5Project execution and milestone disbursement per bank schedule

Frequently Asked Questions

Banking Checklist

21-item document list for bank appraisal

MIDH Cold Storage Subsidy

NHB Cold Storage Subsidy

MoFPI Integrated Cold Chain

DPR Support

Subsidy Hub

Want HyperCold to help structure this project?

We can prepare the cold room technical scope, quotation and DPR coordination so your bank and the scheme authority have what they need. Final approval is always by the bank and the scheme authority.

Talk to Subsidy Desk on WhatsApp Get Project Quotation Banking Checklist DPR Support Project Selector Back to Subsidy Hub