Agriculture Infrastructure Financing Facility (AIF) – Complete Overview
The Agriculture Infrastructure Fund (AIF) is a flagship financing scheme launched by the Government of India to support the creation of post-harvest management infrastructure and community farming assets. The scheme aims to improve agricultural productivity, reduce post-harvest losses, and increase farmers' income through better storage, processing, and value-addition facilities.
Key Statistics
| Particulars | Numbers |
|---|---|
| Registered Beneficiaries | 3,56,097 |
| Sanctioned Beneficiaries | 1,88,999 |
| Total Users | 4,52,310 |
| Loan Applications Received | ?1,37,852 Crore |
| Projects Sanctioned | 2,02,600 |
| Total Amount Sanctioned | ?90,657 Crore |
| Projects Disbursed | 1,62,157 |
| Total Amount Disbursed | ?67,166 Crore |
Main Features of AIF Scheme
???? Fund Size
- Total financing facility of ?1 Lakh Crore.
???? Interest Subsidy
- 3% annual interest subvention.
- Available for loans up to ?2 Crore per project.
???? Credit Guarantee
- Credit guarantee available for loans up to ?2 Crore.
- Helps beneficiaries obtain collateral-free financing.
???? Multiple Lending Institutions
Eligible institutions include:
- Commercial Banks
- Cooperative Banks
- Regional Rural Banks (RRBs)
- Small Finance Banks
- NBFCs
- NCDC
- Other approved financial institutions
???? Online Single Window System
- Simplified application process through a digital portal.
- Integrated with participating banks and financial institutions.
???? Project Support
- Dedicated Project Management Unit (PMU).
- Assistance for:
- Project preparation
- Documentation
- Financial planning
- Loan processing
???? Convergence with Government Schemes
Can be combined with:
- PM Formalisation of Micro Food Processing Enterprises (PMFME)
- Mission for Integrated Development of Horticulture (MIDH)
- National Horticulture Board (NHB)
- PM Kisan Sampada Yojana
- Other Central Government agriculture schemes
Eligible Beneficiaries
The following entities can apply:
Individual Farmers
- Small farmers
- Marginal farmers
- Progressive farmers
Farmer Organizations
- Farmer Producer Organizations (FPOs)
- Farmer Producer Companies (FPCs)
Agricultural Entrepreneurs
- Agri-startups
- Agri-business firms
- Rural entrepreneurs
Cooperatives
- Cooperative societies
- Multi-state cooperative societies
Self Help Groups
- SHGs
- SHG Federations
Government and Semi-Government Institutions
- State agencies
- Agricultural marketing boards
- Panchayats
Infrastructure Covered Under AIF
Storage Infrastructure
- Warehouses
- Godowns
- Silos
- Cold Storage Units
Processing Infrastructure
- Food Processing Units
- Sorting and Grading Units
- Packaging Centers
Supply Chain Infrastructure
- Collection Centers
- Aggregation Centers
- Distribution Hubs
Primary Processing Facilities
- Rice Mills
- Pulse Processing Units
- Oil Extraction Units
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