Bagicha aur polyhouse ban gaya — par peak season tamatar ₹5, do mahine baad ₹40 — kyunki warehouse / cold room nahi tha. MIDH/NHB capital subsidy structure deti hai; AIF usko saste loan se finance karwata hai.
AIF = agriinfra.dac.gov.in, ₹1 lakh crore vision, 3% interest subvention (loan par), ₹2 crore cap, 7 saal, CGTMSE se aksar collateral free, 10% promoter margin. 2026 poori guide — kaun apply kare, NHB cold storage ke saath stack kaise.
agriinfra.dac.gov.in par register + bank sanction pehle — "baad mein portal kar lenge" aur pehle construction = subvention + capital subsidy dono gayab. MIDH wala discipline yahi hai.
AIF Quick Table
| Feature | Detail |
|---|---|
| Portal | agriinfra.dac.gov.in |
| Corpus | ₹1 lakh crore facility |
| Relief | 3% subvention eligible loan par |
| Cap | ₹2 crore |
| Tenure | 7 saal (moratorium bank se) |
| Margin | 10% promoter |
| Guarantee | CGTMSE — aksar bina mortgage |
| Stack | NHB, MIDH, PMKSY, SMAM |
Master list: government subsidy schemes 2026.
Kaun Apply Kare — Kisan, FPO, Entrepreneur?
- FPO — sabse smooth file ₹50L–2Cr par
- Cooperative / PACS
- Agri MSME — DPR + off-take
- Individual — micro cold room kuch rajyon mein; bank branch policy puchho
KCC fasal loan substitute nahi — infrastructure loan hai.
200+ member FPO + mandi MOU = bank comfort. Bina off-take ₹2 crore file weak.
Qualifying Project
Strong: godown (pyaaz, aloo), cold storage, pack house, primary processing
Weak: sirf zameen, staff quarter, inventory trading bina asset
Bank DPR, bijli bill (cold), revenue dekhega.
3% Subvention — Math Samjho
Bank 11% sanction kare ₹1 crore par:
- Sarkar 3% subvention eligible outstanding par
- Effective ~8% time par repayment sahi ho to
- Default = subvention ruk sakti hai
Cap se upar loan par full rate.
CGTMSE — "Collateral Free" Ka Matlab
Zamin mortgage nahi, par CIBIL + viability + 10% margin chahiye. "Bina kagaz" nahi — bina zamin girvi aksar.
Bank meeting: NABARD loan process se taiyari.
10% Margin + Capital Subsidy Stack
Example: project ₹80 lakh
- NHB/MIDH 35–50% norm par (alag apply)
- Baaki AIF loan + 3% subvention
- Promoter 10% equity
Same civil line par do subsidy = audit fail. Ek integrated DPR, CA help le lo.
Apply Steps 2026
- FPO/GST ready
- DPR + estimate
- agriinfra.dac.gov.in register
- Bank/NBFC sanction
- 10% margin jama
- Construction — NHB LoI ke baad agar capital subsidy bhi hai
- Tranche disbursement
- Repayment discipline — subvention bank file kare
AIF vs NABARD AMI vs MIDH Cold
| Tool | Kaam |
|---|---|
| AIF | Sasta interest |
| NHB/MIDH | Capital subsidy cold par |
| AMI | Alag warehouse grant line |
Ek project par teenon possible — accounting clear ho to. Bank head se likhit puchho.
Polyhouse wale pack house add karein to pehle polyhouse guide, phir AIF alag cost sheet — cold storage subsidy guide.
Common Galtiyan
- Portal ID nahi
- Sanction se pehle civil
- Fake DPR, off-take zero
- EMI miss — subvention band
- Galat entity naam
Bottom Line
AIF 2026: agriinfra.dac.gov.in, 3% subvention ₹2Cr/7yr, CGTMSE, 10% margin, warehouse + cold chain. NHB/MIDH capital ke saath stack — DPR clean. Business jaisa file, lottery nahi.
Disclaimer: Rate aur stack badalte hain. agriinfra.dac.gov.in + sanction letter. Ask Kisan bank nahi.
Last verified: June 2026.
अक्सर पूछे जाने वाले प्रश्न
Agriculture Infrastructure Fund (AIF) kya hai?
AIF central scheme hai — post-harvest infrastructure (warehouse, cold storage, sorting, primary processing) ke liye ₹1 lakh crore financing facility. Eligible par 3% interest subvention loan par ₹2 crore tak 7 saal — agriinfra.dac.gov.in par register + bank sanction zaroori.
AIF loan collateral free ho sakta hai?
Kai project ₹2 crore tak CGTMSE guarantee ke under collateral free ya kam collateral — final bank credit decision par. FPO, cooperative, MSME strong case; individual farmer par bank policy alag.
Promoter kitna margin laayega?
Kam se kam 10% project cost promoter equity. 90% loan. NHB/MIDH capital subsidy alag line — same civil work par double claim mat karo DPR mein.
AIF NHB ya MIDH subsidy ke saath stack ho sakta hai?
Haan — official FAQ ke hisaab se AIF interest subvention NHB, SMAM, PMKSY ke saath stack jab DPR components clear hon. Subsidy capital par, AIF interest par — DAC circular verify karo.
2026 mein kaun se project qualify?
Godown, cold room, pack house, ripening, sorting-grading, farm gate processing. Sirf zameen kharid, residential quarter, trading stock — weak. Bank DPR appraise karega.
