AIF Loan 2026: 3% Interest Relief up to ₹2 crore — Full Guide
The Agriculture Infrastructure Fund gives 3% yearly interest relief for up to 7 years on loans up to ₹2 crore, plus a CGTMSE guarantee. There is no capital subsidy — the 35% subsidy for cold rooms or
The Agriculture Infrastructure Fund gives 3% yearly interest relief for up to 7 years on loans up to ₹2 crore, plus a CGTMSE guarantee. There is no capital subsidy — the 35% subsidy for cold rooms or ripening comes from NHB/MIDH and can be combined with AIF. Warehouses, pack houses, custom hiring centres and primary processing are its main projects.
01How much help does each scheme give?
Subsidy / support by scheme
Orange = this guide's scheme. Percent is on eligible cost / cost norm; AIF has no subsidy, only interest relief.
02Example: Custom Hiring Centre
Total cost ₹15.5 lakh
- Your share₹1.55 lakh
- Bank loan₹13.9 lakh
From your pocket only ₹1.55 lakh
03Which projects?
- Warehouse, cold room, pack house
- Custom hiring centre
- Primary processing, dal mill
- Organic inputs like vermicompost
04Common confusion?
- AIF does not give a 35% subsidy
- Secondary processing alone (like a bakery) is not covered
05Frequently asked questions
How much interest relief does AIF give?
3% a year on loans up to ₹2 crore, for up to 7 years.
Does AIF give a subsidy?
No, only interest relief and a guarantee; another scheme's subsidy can be added.
Who can apply?
Farmers, FPOs, SHGs, cooperatives and agri entrepreneurs.
AIF project — want to start?
Tell us your district and budget — an expert will suggest the next step for free.
Chat on WhatsApp+91 86250 77758All business opportunities →Last checked: 01-10-2026. Scheme rules can change; confirm with the official portal/department before applying. The bank decides the loan/subsidy — we help you prepare.
Utkrishi Team
Utkrishi – एग्री बिज़नेस, DPR, सब्सिडी और बैंक लोन में मदद। +91 86250 77758