Archive · 6 Aug 2026
Farmers Can Avail ₹2 Crore Collateral-Free Loans Under Infrastructure Fund
The Indian government has a special program to help farmers build things like big storage houses and cold rooms for their crops.
It is called the Agriculture Infrastructure Fund, or AIF.
Under this program, farmers can borrow up to ₹2 crore from a bank.
They do not need to give any property as a guarantee for the loan.
The government also pays part of the interest, so farmers pay 3% less interest each year.
This help can last for up to seven years.
The money can be used for warehouses, cold storages, pack houses and other farming facilities.
Individual farmers, farmer companies, cooperatives and startups can all apply.
Farmers can apply online through the ministry's AIF portal.
The goal is to help farmers store and sell their crops better and earn more money.
The Agriculture Infrastructure Fund (AIF) scheme offers collateral-free loans of up to ₹2 crore to farmers, agri-entrepreneurs and agricultural institutions.
The scheme provides a 3% annual interest subvention on loans up to ₹2 crore for a maximum period of seven years.
It is implemented by the Union Ministry of Agriculture and Farmers Welfare under the Aatmanirbhar Bharat initiative.
Eligible beneficiaries include individual farmers, Farmer Producer Companies, PACS, cooperative societies, agri-entrepreneurs, startups, Self-Help Groups and other agricultural institutions.
Funds support post-harvest infrastructure such as warehouses, cold storages, pack houses, grading units, silos, agri-logistics facilities and market yards.
- Who
- Farmers, agri-entrepreneurs, agricultural institutions and other eligible beneficiaries in India, with coordination facilitated by the Agriculture Department in Beed.
- What
- A scheme offering collateral-free loans of up to ₹2 crore with 3% annual interest subvention for post-harvest infrastructure under the Agriculture Infrastructure Fund.
- When
- Reported on August 6, with the scheme promoted via a Ministry of Agriculture tweet on July 21, 2026.
- Where
- India, with the announcement reported from Beed, Maharashtra.
- Why
- To strengthen agricultural infrastructure, promote investment in post-harvest facilities and enhance farmers' incomes.
- Scheme
- Agriculture Infrastructure Fund (AIF)
- Maximum loan
- ₹2 crore, collateral-free
- Interest subvention
- 3% per annum
- Subvention period
- Up to 7 years
- Repayment period
- Capped at 7 years
- Implementing ministry
- Union Ministry of Agriculture and Farmers Welfare
- Initiative
- Aatmanirbhar Bharat
- Application mode
- Online via AIF portal