Central scheme
Agriculture Infrastructure Fund (AIF)
Ministry of Agriculture, through banks and other lendersAll India
About 6% interest on up to ₹2 crore for warehouses, cold stores, pack houses and primary processing.
What it is
The best deal for storage and processing. The lender's rate is capped at 9%, and the government pays 3% of it for up to 7 years, so you pay about 6% or less.
The CGTMSE guarantee fee on loans up to ₹2 crore is paid by the government. On a ₹1 crore cold store this saves about ₹14.6 lakh in interest.
₹80,224 crore has been sanctioned for 1,50,431 projects (PIB, 3 Feb 2026). The scheme runs to 2032-33.
All IndiaCoverageagriinfra.dac.gov.in, then your chosen bankApply at6%Rate
Eligibility at a glance
Farmers and agri-entrepreneurs
Start-ups
PACS, FPOs, SHGs, JLGs and cooperatives
APMCs, state agencies and federations
Apply at: agriinfra.dac.gov.in, then your chosen bank
Key facts
- Amount: Interest help on up to ₹2 crore per project per location; up to 25 projects in different places
- Repayment: Up to 7–10 years, with a 6-month to 2-year moratorium
- Security: CGTMSE guarantee up to ₹2 crore, fee paid by government. You put in at least 10%
!Information only, not financial or legal advice. Final terms are set by the lender. AgriFolk does not collect any fee.