Ministry of Agriculture and Farmers Welfare · Department of Agriculture and Farmers Welfare
Agriculture Infrastructure Fund (AIF)
Bank loans for building farm infrastructure such as warehouses, cold stores and processing units, with 3% interest subvention on up to Rs 2 crore per project and credit guarantee cover.
या पानावरील सर्व माहिती इथून आली आहे हे अधिकृत सरकारी पान ↗
या योजनेचे वर्णन अजून अनुवादित झालेले नाही, म्हणून ते इंग्रजीत दाखवले आहे. रक्कम, तारखा आणि अधिकृत दुवे प्रत्येक भाषेत सारखेच राहतात. इंग्रजीत पाहा
हे काय आहे?
The Agriculture Infrastructure Fund is a financing facility, not a cash handout. It helps farmers, farmer groups and agri-businesses take a bank loan to build things the farm sector needs after harvest - warehouses, cold storage, grading and sorting units, primary processing units, and community farming assets.
The main help is on the interest. The published benefit is an interest subvention of 3% per year on the loan, limited to Rs 2 crore per project in one location, for a maximum period of 7 years. In plain terms, the borrower's interest cost is reduced by 3 percentage points for up to seven years.
Along with this, credit guarantee cover is provided for loans up to Rs 2 crore, which makes it easier for a bank to lend to someone without heavy security. The repayment moratorium is a minimum of 6 months and a maximum of 2 years, so repayment does not have to start immediately.
The published list of who can borrow includes farmers, agricultural entrepreneurs, start-ups, Primary Agricultural Credit Societies, state agencies, cooperative federations, Farmer Producer Organisation federations, Self Help Group federations, and Agricultural Produce Market Committees. Private sector entities are capped at a maximum of 25 projects; state agencies and federations have no project cap. APMCs may take up multiple projects of different infrastructure types within their market area.
The total financing facility announced is Rs 1 lakh crore, and disbursement was to be completed in six years from 2020-21. Loans are given by commercial banks, cooperative banks, Regional Rural Banks, small finance banks, NCDC and NBFCs, and applications are made through an online single window.
संभाव्य लाभ
कमाल ₹2,00,00,000 loan amount eligible for interest subvention, per project per location
Interest subvention of 3% per year on the loan, limited to a loan of Rs 2 crore per project in one location, for a maximum of 7 years. Credit guarantee cover is provided for loans up to Rs 2 crore. A repayment moratorium of minimum 6 months and maximum 2 years applies. The loan itself comes from a participating lending institution; the AIF benefit is the interest subvention and guarantee, not a grant.
कोण अर्ज करू शकते?
सरकारने सांगितलेल्या इतर अटी
- Open to farmers, agri-entrepreneurs and start-ups.
- Open to Farmer Producer Organisations and their federations, Self Help Group federations, cooperative federations and state agencies.
- Open to Agricultural Produce Market Committees, which may take up multiple projects of different infrastructure types within their market area.
- Private sector entities are limited to a maximum of 25 projects.
- State agencies, national and state federations of cooperatives, FPO federations and SHG federations have no limit on the number of projects.
- An entity with projects in multiple locations may be eligible for subvention on more than Rs 2 crore in total, since the Rs 2 crore cap applies per project per location.
पात्रतेची माहिती केवळ माहितीसाठी दिली आहे. अंतिम पात्रता व मंजुरी संबंधित सरकारी प्राधिकरण ठरवते.
अर्ज कसा करावा
Applications are made through the online single window facility on the AIF portal, which works with participating lending institutions. The applicant registers, submits the project proposal, and the proposal is routed to the chosen lender for sanction. A Project Management Unit provides support in preparing the proposal. Loans are given by commercial banks, cooperative banks, Regional Rural Banks, small finance banks, NCDC and NBFCs.
अर्ज कुठे करावा: online and bank
अंतिम मुदत
ठराविक अंतिम मुदत नाही. अर्ज सतत स्वीकारले जातात.
अर्ज सरकारच्या स्वतःच्या संकेतस्थळावर होतो, इथे कधीच नाही. आम्ही अर्ज, कागदपत्रे किंवा शुल्क काहीही घेत नाही.
अधिकृत अर्ज ↗ अधिकृत स्रोत ↗अधिकृत स्रोत
या पानावरील सर्व माहिती इथून आली आहे हे अधिकृत सरकारी पान. सरकारी योजना बदलत असतात. विसंबण्यापूर्वी तपशील नेहमी अधिकृत स्रोतावर तपासून घ्या.
काही चुकीचे आढळले?
या पानावरील एखादी तारीख, रक्कम, पात्रता नियम किंवा दुवा जुना असेल तर आम्हाला सांगा. काही सेकंद लागतात आणि खाते लागत नाही.
जुनी माहिती कळवाही एक स्वतंत्र माहिती सेवा आहे आणि ती भारत सरकार किंवा कोणत्याही राज्य सरकारशी संलग्न नाही. पात्रतेची माहिती केवळ माहितीच्या हेतूने दिली आहे. अंतिम पात्रता आणि मंजुरी संबंधित सरकारी प्राधिकरण ठरवते. प्रत्येक योजनेसोबत दिलेल्या अधिकृत सरकारी स्रोतावर तपशील नेहमी तपासून घ्या.