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NAIFF

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The National Agriculture Infrastructure Fund (NAIF) provides financing facilities for agriculture infrastructure projects at farm-gate and aggregation points. It supports agri-entrepreneurs, farmers, Primary Agricultural Cooperative Societies, Farmers Producer Organizations, start-ups, state agencies, and state-sponsored Public-Private Partnerships.

The main aim of the scheme is to provide medium to long-term debt financing for investments in post-harvest management infrastructure and community farming assets by offering incentives and financial support, the scheme seeks to enhance agricultural infrastructure, supply chains, and export clusters, driving efficiency and growth in the agriculture sector.

Financing is facilitated by scheduled commercial banks, cooperative banks, Regional Rural Banks (RRBs), Small Finance Banks, NBFCs, and the National Cooperative Development Corporation (NCDC) through MoUs with NABARD/DA&FW.

Benefits of NAIF Scheme

Enhanced Market Access

Reduced Post-Harvest Losses

Improved Price Realization

Community Farming Assets

Encourages Private Investment

Reduces Food Wastage

Promotes PPP Projects

Lending Institution Support

Role of Cooperative Banks and RRBs

Benefits of NAIF Scheme

  • Enhanced Market Access: Farmers can sell directly to a larger consumer base, increasing their income.
  • Reduced Post-Harvest Losses: Investments in logistics and reduced intermediaries improve market access and farmer independence.
  • Improved Price Realization: Access to modern packaging and cold storage allows farmers to choose optimal selling times.
  • Community Farming Assets: Boosts productivity and saves costs through input optimization.
  • Encourages Private Investment: Government incentives attract private sector innovation in agriculture.
  • Reduces Food Wastage: Strengthened post-harvest infrastructure minimizes national food loss, enhancing global competitiveness.
  • Promotes PPP Projects: Enables Central/State agencies to structure viable Public-Private Partnerships in agriculture.
  • Lending Institution Support: Credit guarantees and incentives reduce risk and expand the lending portfolio.
  • Role of Cooperative Banks and RRBs: Refinance facilities empower cooperative banks and RRBs to play a larger role.

Documents Required

  • Application Form: Bank’s loan application form or Customer Request Letter for AIF Loan.
  • Photographs: Passport-sized photos of promoter/partners/directors.
  • Identity Proof: Voter ID, PAN card, Aadhaar card, or Driving license.
  • Address Proof:
  • Residence: Voter ID, Passport, Aadhaar, Driving license, Electricity Bill, or Property Tax Bill.
  • Business: Electricity Bill, Property Tax Receipt, Certificate of Incorporation (Companies), or Firm Registration (Partnership).
  • Registration Proof:
  • Companies: Articles of Association.
  • Partnership: Registration Certificate.
  • MSMEs: DIC Registration or Udyog Aadhaar.
  • Financial Records (if available):
  • Income Tax Returns and Audited Balance Sheets for the last 3 years.
  • Bank Statements for the last year.
  • GST Certificate (if applicable).
  • Land Records: Title deed/lease deed, or mortgage permission for leasehold properties.
  • Company Records: ROC Search Report.
  • KYC: Promoter/firm/company documents.
  • Loan Details: Repayment track record of existing loans.
  • Net Worth Statements: Promoters’ net worth details.
  • Detailed Project Report (DPR).
  • Approvals: Local authority permissions, layout plans, and building sanctions (if applicable).

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