Agriculture Infrastructure Fund — Financing That Actually Gets Sanctioned
Most good farm projects don't fail on the ground. They fail at the bank, because the project report couldn't answer the questions the credit committee was always going to ask..
We've been on both sides of this. We build farms, and we write the reports that get them funded — so we know what a bank actually reads and what it quietly discounts..
The Agriculture Infrastructure Fund gives Indian farm projects access to term loans with a 3% Government of India interest subvention, bringing effective rates down to roughly 6%. Credit guarantee cover is available for eligible projects. The money is there. What most applicants don't have is a Detailed Project Report that stands up to scrutiny..
That's what we do.
What We Actually Do
DPR Preparation, End to End
A Detailed Project Report isn't a formality. It's the document your loan is approved or rejected on, and most of the ones we see get rejected for the same reasons: yields assumed from a brochure, no sensitivity analysis, a DSCR that only works if nothing goes wrong, and a security structure the bank can't accept.
What we prepare:
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Full technical scope — layout, infrastructure sizing, crop plan, phasing
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Agro-climatic and water feasibility grounded in site data, not district averages
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Yield and price assumptions we can defend, with the sources stated
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Complete financial model — P&L, cash flow, balance sheet, IRR, payback
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DSCR analysis across the loan tenure, with downside sensitivity
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Security structure, including CGTMSE hybrid arrangements where collateral is short
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Compliance and documentation formatted to what the lending institution expects
Eligibility and Scheme Navigation
Eligibility and Scheme Navigation
Before anyone writes a report, the question is whether the project qualifies and which lender will move on it. We assess eligibility against current scheme guidelines, identify which banks in your district are actively sanctioning AIF cases, and tell you honestly if the project doesn't fit — before you've spent money finding out.
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AIF eligibility assessment against current guidelines
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Identification of active lending institutions in your state and district
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Guidance on parallel subsidies and schemes the project can stack
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Realistic timelines, so you can plan the build around the sanction
Bank Coordination
Submitting the DPR is not the end of the process. Queries come back, appraisal officers want clarifications, and projects stall for months when nobody answers them. We stay engaged through appraisal — responding to bank queries, revising where the lender asks, and coordinating between you, the branch and the sanctioning authority until the case closes.
Who This Is For
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Individual farmers and landowners developing polyhouses, packhouses, irrigation infrastructure or primary processing
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Agri-entrepreneurs and startups building farm-based ventures from the ground up
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FPOs and farmer collectives funding shared infrastructure
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Institutional and estate owners with larger acreage under development
If your project involves post-harvest infrastructure or viable farming assets, it's worth a conversation.
How We Work
Step 1 — Assessment call. We understand the site, the crop plan, your capital position and what you're actually trying to achieve. If AIF isn't the right instrument, we'll say so.
Step 2 — Site and technical study. Soil, water, agro-climatic suitability, and infrastructure sizing. The technical case has to be sound before the financial case means anything.
Step 3 — Financial modelling. Full projections, DSCR, sensitivity. If the numbers only work in the best case, we tell you before the bank does.
Step 4 — DPR preparation. Bank-ready report, formatted for the lending institution and the scheme.
Step 5 — Submission and follow-through. Coordination with the bank until the case is sanctioned.
Step 6 — Build and run. If you want it, we design and build the farm, then run it on GroTron®. One accountable partner from feasibility to first harvest.
Tell us about your project.
Send us the site details, crop plan and rough investment size. We'll tell you honestly whether it's fundable, and what it would take.
enquiry@farmagain.co · Toll Free (India): 1800-120-4143
FAQ
What is the Agriculture Infrastructure Fund? A central government financing facility for agriculture infrastructure and viable farming assets, offering term loans with an interest subvention and credit guarantee support for eligible projects.
How much interest subvention is available? A 3% per annum subvention applies to eligible loans up to the scheme ceiling, for a defined period from disbursement. In practice this brings effective borrowing costs to around 6%, depending on your lender's base rate.
Do I need collateral? Not always. Credit guarantee cover is available for eligible projects, and hybrid security structures can be used where collateral is partial. We structure this in the DPR rather than leaving the bank to raise it as an objection.
Which banks give AIF loans? Scheduled commercial banks, cooperative banks, RRBs and NBFCs participate, but availability varies significantly by district and by how active a particular branch is. We identify lenders currently sanctioning in your area.
How long does sanction take? It depends heavily on the lender and how complete the submission is. A well-prepared DPR with no gaps moves considerably faster than one that generates rounds of queries. We give you a realistic timeline at the assessment stage.
Can I apply if I've already started construction? This depends on scheme rules around project stage and expenditure already incurred. Raise it in the first call — it materially affects how the application is structured.
Do you only work with clients who buy GroTron®? No. DPR advisory is a standalone service. Many clients come for financing support first and decide on technology separately.