NABARD NAIF Loan: Build Agri Infrastructure with 3% Interest Subvention
The Agriculture Infrastructure Fund (AIF / NAIF) provides long-term debt financing for post-harvest management infrastructure and community farming assets — featuring a 3% per annum interest subvention up to ₹2 Crore.
Check your NAIF / AIF eligibility
Share your project details. Avenore's agri-finance team will evaluate your project, calculate eligible subvention, and guide your portal registration.
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An Avenore agri-finance specialist will reach out within one business day to evaluate your project and portal submission process.
What is the NABARD Agriculture Infrastructure Fund?
The Agriculture Infrastructure Fund (AIF / NAIF) is a Central Sector Scheme launched by the Ministry of Agriculture & Farmers Welfare, Government of India. It provides a medium-to-long term debt financing facility for investment in viable projects for post-harvest management infrastructure and community farming assets.
Under the scheme, ₹1 Lakh Crore is disbursed by banks and financial institutions as loans with interest subvention and credit guarantee support to make agri-infrastructure projects financially viable for farmers, agri-entrepreneurs, FPOs, and startups.
- Central Sector Scheme backed by MoA&FW and NABARD to transform post-harvest logistics in India.
- 3% per annum interest subvention for all loans up to ₹2 Crore for a maximum duration of 7 years.
- Government pays CGTMSE credit guarantee fee for loans up to ₹2 Crore — no third-party collateral needed.
- Single digital portal (agriinfra.dac.gov.in) for online application, bank routing, and subvention tracking.
Why agri-entrepreneurs choose NAIF loans
NAIF dramatically lowers the interest burden and collateral requirements for building long-term agricultural infrastructure.
3% Interest Subvention
Direct 3% reduction on bank interest rates for loans up to ₹2 Crore, credited regularly for up to 7 years.
Credit Guarantee Cover
CGTMSE guarantee fee for loans up to ₹2 Crore is fully paid by the Government — eliminating collateral hurdles.
Moratorium up to 2 Years
Repayment moratorium from 6 months up to 2 years allows projects to achieve operational stability before principal repayment starts.
Convergence with Subsidies
NAIF subvention can be combined with MIDH, PMKSY, MOFPI, or State capital subsidy schemes for maximum financial benefit.
Broad Infrastructure Scope
Covers cold storage, warehouses, primary processing, sorting/grading units, solar energy, and custom hiring centres.
Multiple Eligible Entities
Open to Farmers, FPOs, PACS, SHGs, Agri-startups, Proprietary firms, Partnerships, Companies, and Local Bodies.
Eligibility & financial guidelines
Avenore prepares your Detailed Project Report (DPR) and DPR portal submission to meet NABARD and AIF norms.
| Parameter | NAIF / AIF Guideline Detail |
|---|---|
| Eligible Borrowers | Farmers, FPOs, PACS, Marketing Cooperative Societies, SHGs, JLGs, Agri-Entrepreneurs, Startups, Central/State agency sponsored PPP projects |
| Max Subvention Loan Cap | ₹2 Crore per project (Borrowers can take loans for multiple projects at different locations up to 25 projects) |
| Interest Subvention Rate | 3% per annum for up to 7 years |
| Lending Rate Ceiling | Bank interest rate capped at MCLR + 1% (or equivalent benchmark) to ensure affordable credit |
| Credit Guarantee | CGTMSE coverage for loans up to ₹2 Crore (Government pays the guarantee fee) |
| Moratorium Period | Min 6 months, Max 2 years for principal repayment |
| Eligible Assets | Post-harvest infrastructure (Warehouses, Cold Storage, Silos, Pack-houses, Assaying units) & Community Farming Assets (Organic inputs, Smart agri automation, Solar power) |
End-to-end NAIF loan assistance process
Project Identification & Eligibility Evaluation
We review your proposed agri-infrastructure project, location, and entity type against AIF norms and subsidy convergence options.
DPR & Financial Model Preparation
Avenore drafts a bankable Detailed Project Report (DPR), financial projections, cash flow analysis, and tech-economic feasibility report.
AIF Portal Registration & Submission
We register your application on the official AIF portal (agriinfra.dac.gov.in), uploading DPR, land documents, and entity credentials.
Bank Credit Appraisal Liaison
We coordinate with the selected bank's Agri Credit Division for appraisal, site inspection, sanction, and interest subvention tag.
Disbursement & CGTMSE Enrollment
We track loan disbursement, assist in CGTMSE credit guarantee fee waiver processing, and monitor 3% subvention credit to your loan account.
Ready to apply for a NAIF agri-infra loan?
Share your project details and Avenore's agri-finance specialists will review your eligibility and handle your portal application.
Common questions about NAIF / AIF loans
Is the 3% interest subvention available for loan amounts above ₹2 Crore?
The 3% interest subvention is available on the loan amount up to ₹2 Crore. If your loan requirement is higher (e.g. ₹5 Crore), you can still avail the subvention for the first ₹2 Crore portion, while the balance loan will be serviced at standard bank interest rates.
Can a single business or individual apply for multiple projects under AIF?
Yes. An eligible entity can set up up to 25 projects at different locations (identified by unique LGD codes / village locations) and claim subvention for each project up to ₹2 Crore cap.
Can NAIF subvention be combined with MIDH or State government subsidies?
Yes! NAIF / AIF allows convergence with central and state capital subsidy schemes like MIDH (Horticulture Development), PMKSY, MOFPI food processing subsidies, and state agri-policies. Subvention under AIF remains applicable on the net loan component.
Do I need collateral security for a NAIF loan up to ₹2 Crore?
For loans up to ₹2 Crore, credit guarantee coverage is available under CGTMSE. The Ministry pays the credit guarantee fee, so banks can sanction collateral-free loans for eligible projects.
How is the interest subvention credited to the borrower?
The 3% interest subvention is released directly by the Ministry / NABARD to the lending bank, which is then credited into the borrower's loan account against interest servicing schedule.