NAIFF Loan: Subsidized Finance for Agri-Infrastructure
Secure medium to long-term debt financing with a massive 3% interest subvention. We craft your DPR and handle the entire bank liaison process for your post-harvest project.
Financial Benefits of NAIFF
Drastically reduce the capital cost of setting up cold storages, warehouses, and agri-assets
3% Interest Subvention
Massive reduction in your effective interest rate by 3% annually for loans up to ₹2 Crore (maximum 7 years).
CGTMSE Credit Guarantee
The loan is backed by the CGTMSE trust, minimizing the need for heavy hard collateral to secure the funding.
Scheme Convergence
Can be stacked with other state/central government capital subsidies, lowering your overall project cost significantly.
Broad Infrastructure Coverage
Applicable for cold storage, warehouses, sorting/grading units, and tech-driven community farming assets.
- Target Audience: Farmers, Agri-Entrepreneurs, Startups, FPOs, PACS, and MSMEs.
- Project Type: Must be focused on post-harvest management infrastructure or community farming assets.
- Financial Viability: The Detailed Project Report (DPR) must demonstrate strong repayment capacity to the lender.
- Clear Land Titles: Must possess clean land records or valid long-term lease agreements for the project site.
- Bank-compliant Detailed Project Report (DPR).
- Land ownership documents (7/12 extract) or registered lease deeds.
- Formal quotations for all proposed machinery and civil construction.
- Promoter KYC (Aadhaar, PAN) and historical bank statements.
- Company/FPO registration documents.
Our Loan Processing Roadmap
From DPR drafting to securing the 3% interest discount
DPR & Feasibility Analysis
We analyze your land records and draft a comprehensive Detailed Project Report (DPR) matching banking standards.
Portal Registration
We register your project on the official AIF (Agriculture Infrastructure Fund) portal and upload the DPR.
Bank Liaison & Sanction
We represent your case to participating commercial or cooperative banks, resolving underwriting queries to secure the sanction letter.
Disbursement & Subvention
Once sanctioned, we assist in the disbursement process and ensure the 3% interest subvention is correctly applied to your account.
Frequently Asked Questions
Understand the AIF structure and subsidy convergence
Evaluate Your Agri-Project
Connect with our infrastructure finance experts. We will evaluate your land records and project viability for the NAIFF scheme.