Agri Loans
Agriculture Infrastructure Fund (AIF)
Urban Agro Multi State Co-Operative Society Limited is committed to strengthening India's agricultural ecosystem by facilitating access to the Agriculture Infrastructure Fund — a flagship Government of India initiative designed to support the creation of post-harvest management and community farming assets.
Cr+
₹2 Cr
What is the Agriculture
Infrastructure Fund?
The Agriculture Infrastructure Fund is a government-backed financing facility that offers support for the development of agricultural infrastructure across the country. The scheme provides medium to long-term debt financing with interest subvention and credit guarantee support to eligible entities, enabling them to invest in high-quality agricultural infrastructure that directly improves farm income and reduces post-harvest losses.
Urban Agro Multi State Co-Operative Society Limited assists members in navigating this scheme — from eligibility assessment and project formulation to documentation, submission, and post-sanction support — ensuring a smooth and successful application process.
Key Objectives of the AIF Scheme
- Build modern post-harvest management infrastructure at farm gate & aggregation points
- Reduce post-harvest losses and enhance value chain efficiency
- Support community farming assets including FPO infrastructure
- Improve farmer income through better market linkages
- Develop cold chain, storage, and processing capacity at the grassroots level
- Encourage private investment in the agricultural sector
- Promote agri-entrepreneurship and rural employment
Eligible Beneficiaries
The AIF scheme is open to a diverse range of agricultural stakeholders who are actively involved in farming, processing, marketing, or co-operative activity.
Individual Farmers
Farmer Producer Organizations (FPOs)
Agricultural Co-operatives
Agri-Entrepreneurs & Startups
Self Help Groups (SHGs)
Marketing Co-operatives
Agri-Processing Units
State Agencies & APMCs
Supported Infrastructure Projects
The AIF scheme covers a wide range of agri-infrastructure projects to transform India's post-harvest ecosystem.
Cold Storage & Cold Chain Infrastructure
Construction and modernization of cold storage facilities, refrigerated transport, and integrated cold chain networks to reduce spoilage of perishable produce.
Warehousing & Silos
Development of scientific grain storage facilities, silos, and modern warehouses to enable better price realization and reduce post-harvest losses.
Sorting, Grading & Assaying Units
Setup of quality-testing, sorting, and grading infrastructure to standardize produce and improve marketability and export potential.
Primary & Secondary Processing
Establishment of primary and secondary agri-processing units that add value to farm produce, increase shelf life, and open up new markets.
Custom Hiring Centres (CHCs)
Setting up centres providing farm mechanization services to small and marginal farmers, including machinery for harvesting, threshing, and land preparation.
Smart & Precision Farming Assets
Deployment of technology-driven agricultural assets including soil testing labs, drone services, micro-irrigation systems, and smart sensors for precision agriculture.
Key Benefits of AIF
Accessing the Agriculture Infrastructure Fund through Urban Agro Co-operative unlocks substantial financial and operational advantages for agricultural development projects.
3% Interest Subvention
Get a 3% interest subvention per annum on the loan amount, significantly reducing the cost of borrowing and improving project viability.
Credit Guarantee Coverage
Loans up to ₹2 crore are covered under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE), reducing collateral requirements.
Flexible Repayment Period
Avail repayment tenure of up to 7 years with a moratorium period of up to 2 years, easing cash flow during the project ramp-up phase.
Convergence with Other Schemes
AIF projects can be converged with other government schemes such as PM-FME, PMKSY, and RKVY to maximize funding benefits and reduce investment burden.
Improved Market Access
Infrastructural improvements directly enhance farmers' ability to reach better markets, negotiate prices, and reduce intermediary dependence.
Reduced Post-Harvest Losses
Investment in storage, cold chain, and processing infrastructure dramatically reduces the 15-25% post-harvest losses experienced by Indian farmers annually.
Employment Generation
Modern agri-infrastructure creates significant direct and indirect employment opportunities in rural areas, supporting community development.
How Urban Agro Helps You
We guide members through every step of the AIF application process, ensuring a smooth and successful experience.
Eligibility Assessment
We evaluate your project type, entity category, and financial standing to confirm AIF eligibility
Project Formulation
We help prepare a robust project report with financial projections, timelines, and technical specifications
Documentation Support
We assist in gathering and organizing all required documents for bank submission and government portal registration
Application & Follow-Up
We submit the application through the AIF portal and follow up with the nodal bank to ensure timely processing
Post-Sanction Guidance
After approval, we provide ongoing support for fund utilization, compliance, and reporting requirements
Why Choose Urban Agro for AIF?
Our expertise in agricultural co-operatives and government scheme facilitation makes us the ideal partner for your AIF journey.
Co-operative Expertise
As a registered multi-state co-operative, we have deep experience navigating government agricultural schemes on behalf of members.
Strong Banking Linkages
Established relationships with nodal banks and financial institutions ensure faster application processing and better loan terms.
End-to-End Facilitation
From eligibility check to post-sanction compliance, we provide comprehensive support at every stage of the AIF journey.
Rooted in Agriculture
Our mission is to empower farmers and agri-communities, making us a trusted, mission-aligned partner for infrastructure development.
Ready to Transform Your Agricultural Infrastructure?
Contact Urban Agro today to explore how the Agriculture Infrastructure Fund can help you build modern, productive, and sustainable agri-infrastructure.
Enquire Now Learn MoreDisclaimer: The information provided regarding the Agriculture Infrastructure Fund (AIF) is for general awareness purposes only and is based on publicly available government guidelines. Actual benefits, eligibility criteria, interest rates, and scheme terms are subject to change as per Government of India policies and respective bank norms. Urban Agro Multi State Co-Operative Society Limited acts as a facilitator and does not guarantee loan approval or specific financial returns. Members are advised to verify the latest scheme details from the official AIF portal or consult a financial advisor before making decisions.
Kisan Credit Card (KCC)
Empowering Farmers with Easy Access to Credit
The Kisan Credit Card (KCC) scheme is a farmer-friendly credit facility designed to provide timely and affordable financial support for agricultural and allied activities.
Urban Agro Multi State Co-Operative Society Limited assists eligible farmers in understanding the KCC scheme and accessing financial services that support their farming operations.
What is a Kisan Credit Card?
The Kisan Credit Card is a specialized credit facility introduced to provide farmers with hassle-free access to short-term credit for diverse agricultural needs.
Crop cultivation expenses
Purchase of seeds, fertilizers, and pesticides
Irrigation and farm maintenance
Agricultural equipment and machinery
Dairy, poultry, fisheries, and allied activities
Post-harvest and marketing expenses
Working capital requirements
Benefits of Kisan Credit Card
KCC brings financial stability and operational freedom to farmers.
Easy Access to Credit
Farmers can avail credit as per their agricultural requirements without repeated loan applications.
Flexible Repayment
Repayment schedules are generally aligned with crop harvesting and income generation cycles.
Affordable Interest Rates
KCC loans are offered at competitive interest rates, making agricultural finance more accessible.
Financial Security
Provides a reliable source of funds during cultivation seasons and unforeseen agricultural expenses.
Support for Allied Activities
Credit support is available for dairy farming, goat farming, poultry farming, fisheries, and rural livelihood activities.
Eligibility Criteria
Kisan Credit Card benefits are generally available to:
- Individual farmers
- Joint borrowers
- Owner cultivators
- Tenant farmers and sharecroppers (subject to norms)
- Self Help Groups (SHGs)
- Joint Liability Groups (JLGs) engaged in farming
- Farmers involved in allied agricultural sectors
Documents Required
Applicants may be required to provide:
- Aadhaar Card
- PAN Card (if applicable)
- Passport-size photographs
- Address proof
- Land ownership records or cultivation proof
- Bank account details
- Mobile number linked with Aadhaar
- Any other documents as required under applicable guidelines
How Urban Agro Helps
Urban Agro Multi State Co-Operative Society Limited is committed to supporting the agricultural community through:
- Farmer awareness programs
- Guidance on agricultural finance options
- Assistance in understanding KCC eligibility and documentation
- Financial literacy and rural development initiatives
- Support for sustainable farming and allied agricultural activities
Why Choose Urban Agro?
- Member-focused approach
- Strong commitment to rural development
- Promotion of modern and sustainable agriculture
- Support for small and marginal farmers
- Encouragement of self-employment and agri-based entrepreneurship
Apply for Assistance
If you are a farmer looking for guidance on the Kisan Credit Card scheme or agricultural financing opportunities, contact Urban Agro Multi State Co-Operative Society Limited today. Our team is dedicated to helping farmers access the financial resources needed for agricultural growth and prosperity.
Urban Agro Multi State Co-Operative Society Limited – Growing Together for a Prosperous Agricultural Future.
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