NAIFF Loan Scheme
National Agriculture Infra Financing Facility (Agriculture Infrastructure Fund)
Term loans of up to ₹2 Crore per project with 3% interest subvention and credit guarantee cover for post-harvest and agri infrastructure.
- Loan amount
- Up to ₹2 Crore per project
- Interest subvention
- 3% per annum
- Subvention period
- Up to 7 years
- Guarantee
- CGTMSE cover, no collateral
About NAIFF Loan Scheme
The Agriculture Infrastructure Fund is a central sector financing facility for building post-harvest management infrastructure and community farming assets. It provides medium to long-term debt through banks, NBFCs and cooperative lenders.
Eligible projects receive a 3% per annum interest subvention on loans up to ₹2 Crore for a maximum of 7 years, plus credit guarantee cover under CGTMSE with the guarantee fee paid by the government. Projects include cold storage, warehouses, pack houses, sorting and grading units, processing units and other agri infrastructure.
Key benefits
- Loans of up to ₹2 Crore per project, with multiple projects allowed at different locations
- 3% per annum interest subvention for up to 7 years
- CGTMSE credit guarantee cover, so no collateral is required
- Flexible usage across post-harvest, processing and farm-gate infrastructure
- Backed by a government scheme with transparent online approval
Who is eligible
- Agri-startups and agri-MSMEs
- Individual farmers and agri-entrepreneurs
- FPOs, SHGs, cooperatives, JLGs and APMC-registered entities
- Good repayment capacity and credit score
- Compliance with the lending bank's appraisal guidelines
Documents required
- KYC of the applicant or entity and registration documents
- Detailed project report with cost estimates and quotations
- Land ownership or lease documents for the project site
- Bank statements, ITR and financials
- Registration under Udyam, FPO, APMC or cooperative laws as applicable
How Vertex helps with NAIFF Loan Scheme
- 1Eligibility checkWe review your business profile against the scheme rules and related state incentives.
- 2Documents & project reportWe prepare the DPR, financials and registrations such as Udyam, GST and FSSAI.
- 3Application & lender liaisonWe file the application and coordinate with banks, NBFCs and agencies.
- 4Sanction & follow-upWe follow up until sanction, disbursement and any subsidy release.
Frequently asked questions
Cold storage, warehouses, silos, pack houses, sorting and grading units, ripening chambers, primary processing units, e-marketing platforms and community farming assets such as custom hiring centres.
Yes. The interest subvention is available on up to 25 projects per applicant, each capped at ₹2 Crore, provided they are at different locations.
Scheme limits, subsidy rates and timelines are indicative and subject to the latest government guidelines and lender policies. Vertex Certification is a private consultancy and is not affiliated with any government body.
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