National Agriculture Infrastructure Financing Facility (NAIFF)
NAIFF is a government-backed financing facility designed to support agriculture infrastructure development across India. It provides affordable long-term loans for warehouses, cold storage, processing units, grading centers, logistics infrastructure, and value chain enhancement projects.
Key Highlights
What is NAIFF (National Agriculture Infrastructure Financing Facility)?
NAIFF is a government-supported scheme that enables farmers, agri-entrepreneurs, FPOs, cooperatives, and private businesses to develop agriculture infrastructure across India. These include storage, processing, supply chain, and value addition infrastructure.
NAIFF aims to improve agricultural productivity, reduce post-harvest losses, and strengthen India’s agricultural value chain. The scheme provides long-term affordable credit with extended repayment options.
Loans under NAIFF are offered by banks, NBFCs, and financial institutions with flexible terms based on project scale and viability.
Eligible Infrastructure under NAIFF
Warehouses
Up to ₹2 Crores
Agricultural storage facilities
Cold Storage
Up to ₹2 Crores
Cold chains, refrigeration & ripening chambers
Agri-Processing Units
Up to ₹2 Crores
Sorting, grading, milling & packaging units
Collection Centers
Up to ₹2 Crores
Procurement & aggregation infrastructure
Logistics & Transport
Up to ₹2 Crores
Reefer vans, cold transport, supply chain vehicles
Primary Processing Units
Up to ₹2 Crores
Cleaning, grading & pre-processing
Note: Custom/mixed infrastructure projects are evaluated based on DPR.
Eligibility for NAIFF Loan
Farmers & Farmer Groups
FPOs & Cooperatives
Agri-Entrepreneurs
Food Processing Businesses
Startups & Private Companies
Warehouse Developers
Cold Storage Operators
Agri-Supply Chain Companies
Benefits of NAIFF Loan
Low interest rates (6%–10%)
Long repayment tenure up to 10 years
Supports modern infrastructure
Increases income for farmers
Reduces post-harvest losses
Boosts value addition & processing
Strengthens supply chain efficiency
Eligible for government incentives
Interest Rates & Charges
- Interest Rate: 6% – 10%
- Processing Fees: 0.5% – 2%
- Tenure: 7–10 years
- Collateral: May vary depending on lender; government guarantee available
- Prepayment Charges: Usually NIL
Documents Required
- Aadhaar & PAN
- Address Proof
- Bank Statements (12 months)
- ITR of 2 years
- Business Registration Certificate
- Land Ownership/Lease Document
- DPR (Detailed Project Report)
- Machinery/Construction Quotations
- GST Certificate (if applicable)
- Photographs & Signatures
Application Process for NAIFF
- 1. Prepare DPR (Detailed Project Report)
- 2. Collect all required documents
- 3. Choose a bank/NBFC offering NAIFF loans
- 4. Submit application with DPR & quotations
- 5. Field inspection by bank officials
- 6. Project viability assessment
- 7. Loan sanction & documentation
- 8. Disbursement of funds in stages
Common Reasons for Rejection
- Weak or unrealistic DPR
- Insufficient cash flow projections
- Poor credit history
- Incomplete documentation
- Non-viable infrastructure location
- Lack of industry experience
How Saarthium Helps You
DPR Preparation & Business Planning
End-to-End Loan Application Support
Choosing the Right Lender
Documentation Assistance
Project Feasibility Assessment
Follow-Up Until Loan Disbursement
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Frequently Asked Questions
What is NAIFF?
Who can apply for NAIFF?
What is the maximum loan amount?
Is collateral required?
Is DPR mandatory?
Need Help Applying for NAIFF?
Get expert DPR preparation, documentation help, lender selection, and complete guidance for NAIFF loan approval.