20th April 2023

OVERVIEW OF
PRESENTATION

01 02 03

Why AIF ? About AIF Progress so far

04 05 06

Why to Invest Crop wise eligible Action plan for

infrastructures State
 Huge Lack of long-term
infrastructure institutional
Gap funding

High Post Dependence on Slow technology

harvest loses intermediaries adoption in
Agriculture
 Support under AIF

Cap of ROI ≤ 9% & subvention of 3% p.a.

(NABARD loans for PACS at 1% post subvention) Interest Subvention

Under CGTMSE scheme for loan up to Rs. 2 Crore (FPO

Promotion Fund Support for FPOs) Credit Guarantee

Allowed to dovetail with several schemes

(across ministries, state govt.) Convergence

Upto 25 projects at different locations

Rs.2 Cr. per Project Project Eligibility

Loan Repayment Period is 7 years

(Including moratorium period of upto 2 years)
 Eligible Activities under AIF
Post-harvest Management Projects

Storage Infrastructure & Assaying Units (Warehouse, Silos, Cold Storage etc.)
Packhouse, Ripening chamber Primary processing centres Cleaning, Drying, Sorting, Grading
Supply chain with e-marketing facility Solar panel on eligible infrastructure

Community Farming Assets

For all Beneficiaries For Farmer groups & Collectives
(including individual/private entities)
•Smart and Precision agriculture
•Input Production (Seed processing, Tissue culture, Nursery) •Hydroponic Farming
•Supply chain infrastructure •Mushroom farming
•Bio-stimulant production •Vertical farming
•Farm/Harvest Automation •Aeroponic farming
•Purchase of drones, sensors on field, Blockchain •Poly house/ Greenhouse
•and AI in agriculture etc. •Logistics facilities (including non-refrigerated/insulated
•Remote sensing and Internet of Things (IOT) vehicles)
•Farm advisory services through GIS applications •Tractors
•Integrated Spirulina production & processing units
•Sericulture processing unit
•Honey processing
•Plant quarantine units
 Eligible Beneficiaries

Farmers Farmer Agri Large State

Groups entrepreneurs businesses agencies
• Individual farmers • Farmer groups • Individual business • FMCG players • Agricultural Produce
• Farmer Producer • Exporters Marketing Committees
owners like millers,
Organizations • Food processors (APMCs)
exporters, food
• Joint Liability Groups • Equipment • Federations of FPOs,
processing units, traders,
• Self Help Groups manufacturers SHGs, Cooperatives
storage providers, etc.
• Primary Agricultural Coop • Supply chain players • State Warehousing
Societies • Smart farming Corporations
 Major Schemes :
Convergence Support Available Non-exhaustive

Sub schemes under Mission for Integrated Development of Horticulture

35% – 50% capital subsidy for infra including cooling units, pack house, ripening chambers, reefer vans, etc.

PM Formalization of Micro Food Processing Enterprises Scheme (PMFME)

35% capital subsidy along with additional support for FPOs, SHGs and Cooperatives for working capital, training,
DPR preparation

Sub Mission on Agriculture Mechanization (SMAM)

Up to 40% subsidy for establishment of custom hiring service centers

Gobar-Dhan- Ministry of Jal Shakti

Financial Assistance of Rs 1.0 Cr. per 12000cum/day for Bio Gas plants and Rs 4.0 Cr. per 4800 Kg/day for Bio-CNG plants

Sub-schemes under PM Kisan Sampada (PMKSY)

35% capital subsidy for infra like cleaning, grading, sorting, packaging, drying, IQF etc.

Agricultural Marketing Infrastucture Scheme (AMI)

Up to 33.33% subsidy for Warehouse and Primary Processing Infrastructure
 Major Schemes :
Convergence Support Available Non-exhaustive

Integrated Scheme on Agricultural Cooperation (ISAC) by NCDC

Financial Assistance to PACS for agro processing, horti processing, storage etc.

PACs as MSC
4% rate of Interest for agriculture allied activities for PACS

Rashtriya Krishi Vikas Yojana (RKVY)

Convergence with state plan for funds provided by centre under RKVY scheme for several production and PHM activities

Operation Greens: From TOP to TOTAL

50% capital subsidy for Collection centres, transportation, storage, E-marketing facilities etc. for perishable agri commodities

PM-KUSUM- Component B and C

50% subsidy for setting up of stand-alone solar pumping system and solarization of grid connected agriculture pump

PM – Employee Generation Programme (PMEGP), Ministry of Micro, Small and Medium Enterprise
Upto 35% capital subsidy for Micro Enterprise
 Process Flow of AIF Applications
AIF Portal: agriinfra.dac.gov.in
Registration & Submission of loan
PACS application on portal
Non-PACS entities Registration & Submission of
(farmers, Agripreneur, private
loan application on portal
players, FPOs, SHGs, State
agencies, APMCs etc.)
C-PMU Verification
1. Activity
2. 10% margin money
3. 5 years cost projections
DCCB Verification

C-PMU Verification
StCB Verification
1. Activity
2. 10% margin money
3. 5 years cost projections

NABARD Sanction

Sanction &
SCBs Disbursement
Disbursement DCCB
 Myths about AIF

Loans above Rs.2 crores are not eligible

01 Loan amount can be higher than Rs.2 crores, however benefit of subsidy
is eligible up to Rs.2 crores.

Repayment period should be less than 7 years

02 Repayment period can be more than 7 years, however benefit of subsidy is
eligible up to 7 years

SME projects are not eligible for AIF

03
Any activity eligible under AIF can be converged

Projects availing benefits under other schemes, cannot be benefitted

04 under AIF
AIF is a top-up scheme and can be converged with other schemes
 Myths about AIF

Benefits of both interest subvention & credit guarantee to be

05 availed under AIF together
Only interest subvention can also be availed

CGTMSE loan is also for Rs.50 crores per entity

06
This eligibility is only in case of interest subvention

Old sanctioned eligible project cannot be covered under AIF

07 If the first disbursement has happened post 08th July, 2020, then the benefit
under AIF can be availed

FPOs are not eligible for CGTMSE

08
FPOs are eligible under CGTMSE
 Progress under Agri Infra Fund
As on 31st March 2023

Applications on portal
57,840

Projects Sanctioned Project Cost

27,440 Rs.38,485Cr.

Loan Sanctioned Amount Sanctioned Amount Disbursed

Rs.22,618 Cr. under AIF Rs. 12,830 Cr.
Rs.18,518 Cr.
14
 State wise & Beneficiary Type Wise Sanctioned Amount under AIF

KE

Ot
R2

he
C
2% 2%

Others,
BH D

3%
H

1%
rs
G
R S
,O

FPOs
,
W 3%

1%
B
3%
PU
N MP
4%

Sta 3%
21%

rt-u
TN

ps
4%
Farmers
HAR 11%
5%

TEL
State wise Beneficiary
6% Share type wise Share
GUJ PACS
6% 14%
AP
KTK 10%
6% Agri-Entrepreneurs
RAJ 70%
6%
UP MAH
7% 10%
Success Story of
MP and AP
Success Story of Madhya Pradesh

Structure of AIF State Team in

Madhya Pradesh.

Nodal Officer Nodal Officer

from from Agriculture
Horticulture Dept.
State
Dept. Nodal
Officer AIF

Nodal Officer Consultants hired for

from AIF State Nodal
Cooperative Office
 Hand Holding
Support

Beneficiary
Engagement
AIF Awareness
Campaign

Engagement with
Banks

Coordination with
associated
Departments
Coordination with Centra
l

Central Team (PMU) PMU

Role of AIF MP Team

 Handholding of Beneficiary till loan
disbursement
Registration of Beneficiaries at
1 http://www.agriinfra.dac.gov.in
(Single Window System) State Team provides handholding
at each step till loan amount is
disbursed and beyond
Preparation of DPR by Beneficiary 2

Submission of DPR at Single Window

3 System & Bank (LI)
Resubmission
Verification of Application by PMU 4
If (GoI) & Bank
Accepted &
Approved If Rejected Correction with help of State
Project Team & Resubmission
5 Disbursement of loan amount
 Success Story of Andhra Pradesh

E- Farmarket
• The platform networks the entire State of Andhra Pradesh and intends to create a unified
marketplace
• The platform intends to connect the farmers to the Intrastate, National and international
traders
• The platform is an E2E Agri Mkt place that also integrates services such as logistics, quality
assaying, warehousing and financing thus enabling complete hassle-free trade transactions

Objectives of e-marketing Platform

Farmgate Model Integrated Model

Price Discovery Alternate Channel

 Projects Sanctioned under AIF
Andhra Pradesh
Sanctioned Projects worth Rs. 1,584 Cr. were
S. No. Project
No. of Units Value (Rs. Cr.) sanctioned by NABARD
1 Godowns 2,543 1,315.5
2 Drying Yards 2,540 126.9 Support from GoAP towards AIF Implementation
3 Cold Rooms 113 13.5
Procurement 10% margin money is being provided by
4 2,204 20.9 Margin
Centers Money the state government

5 Assaying Units 1,866 10.5

₹
Collection Centers Land for the establishment of all the
6 152 22.8
(Horti) Land for sanctioned infrastructure is being provided
Construction free of cost to all PACS
Cleaners &
7 114 1.9
Destoners
State government helping in the
8 Paddy Driers 615 53.7 Projects establishment of the sanctioned infra on
Execution behalf of PACS to bring in economies of
9 Threshers 536 18.7 scale

Total 10,683 1584.6

All these infrastructures are in the execution stage
and will be available to the farming community soon
Flow of Project Implementation

1 2 3 4

Need gap Preparation of In-principle Submission of

assessment DPR sanction by DPR
NABARD

8 7 6 5
₹
Handover to Project Land Sanction of
PACS Grounding Identification Loan
(Phase 1)
Tamil Nadu
 Agriculture infrastructure fund
Agriculture infrastructure fund is a huge opportunity to enhance agri-infrastructure in Assam

An opportunity to enhance agri-infrastructure in Tamil Nadu

₹1
Lakh crore
₹ 5,990+
crore

All-India fund, available on FCFS Allocation to

Allocation toAssam
Tamil Nadu
 Present Status of Tamil Nadu – AIF Portal
Beneficiary wise
10135 Startup; 4% Others; 2%
Application Received Farmer; 11%

5639 2842 PACS; 22% Agri-Entre-

Verified by PMU Project Sanctioned preneur; 61%

1444
2954
Pending at Applicant Rs. 1251 Cr.
Rejected by PMU
level Project Cost District wise
RANIPET; 2% OTHERS; 9% TIRUPPUR; 13%
VILLUPURAM; 2%
ARIYALUR; 2%
KAN- TIRUCHI-
NIYAKU- RAPPALLI;
Rs. 759 Cr. MARI; 2% 6%
2842 Total Amount Sanctioned
SIVAGANGA; 2%
TUTICORIN; 2%
Sanctioned by Bank DINDIGUL; 2%
VIRUDHUNAGAR;
2%
KALLAKURICHI; COIMBATORE; 6%
2%
409 2388 Rs. 435 Cr. ERODE; 5%
KARUR; 2%
Rejected by Banks Pending at Bank level Amount Disbursed
DHARMAPURI;
3%
THE NILGIRIS; 3% PUDUKKOTTAI;
5%
CUDDALORE; 3%
THIRUVALLUR;
1709 SALEM; 3% 5%
NAMAKKAL; 4% MADURAI; 5%
Disbursed KRISHNAGIRI; 4% TIRUVANNAMALAI; 4% KANCHIPURAM; 4%
 District wise Sanction
SN District Sanction No. Sanction Amt. SN District Sanction No. Sanction Amt.
1 Tiruppur 127 96.7 20 Tuticorin 46 13.9
2 Tiruchirappalli 120 45.9 21 Sivaganga 23 13.0
3 Coimbatore 94 43.4 22 Kanniyakumari 72 12.2
4 Erode 223 39.3 23 Ariyalur 76 11.5
5 Pudukkottai 97 38.8
2842 24 Villupuram 37 11.5
6 Thiruvallur 63 38.7 No. of applications 25 Ranipet 34 11.4
7 Madurai 31 34.3 sanctioned 26 Thanjavur 31 9.9
8 Kanchipuram 98 31.9 27 Tirunelveli 69 8.7
9 Tiruvannamalai 330 31.1 28 Chennai 3 7.2
10
11
Krishnagiri
Namakkal
30
183
28.6
27.2
Rs. 759 cr. 29
30
Vellore
Theni
55
30
7.2
7.1
Total Amt.
12 Salem 217 23.2 31 Tenkasi 8 6.1
Sanctioned
13 Cuddalore 176 22.8 32 Mayiladuthurai 1 5.0
14 The Nilgiris 29 22.0 33 Ramanathapuram 20 4.4
15 Dharmapuri 55 21.3 34 Perambalur 56 4.4
16 Karur 89 18.7 35 Tirupathur 27 3.0
17 Kallakurichi 31 18.5 36 Nagapattinam 24 2.7
18 Virudhunagar 45 17.9 37 Chengalpattu 8 2.6
19 Dindigul 170 15.6 38 Thiruvarur 14 1.2
Bank wise Share of sanctioned applications
SN Lending Institution Sanction No. Sanctioned Amt. %Share
1 Canara Bank 212 203.5 27%
2 State Bank Of India 134 127.1 17%
3 Indian Bank 114 103.7 14%
4 HDFC Bank 50 51.5 7%
5 IDBI Bank Ltd 9 23.8 3%
6 Bank Of India 102 23.6 3%
2824
7 Karur Vysya Bank 53 12.9 2% No. of applications
8 Indian Overseas Bank 41 8.9 1% sanctioned
9 Bank Of Baroda 12 8.8 1%
10 Union Bank of India 13 7.6 1%
11 Central Bank Of India 7 3.5 0.5%
12 UCO Bank 12 2.7 0.4% Rs. 759 cr.
13 Punjab National Bank 13 2.3 0.3% Total Amt.
14 Tamilnad Mercantile Bank 2 2.0 0.3% Sanctioned
15 Kotak Mahindra Bank 1 2.0 0.3%
16 The Federal Bank Ltd 2 1.9 0.3%
17 YES Bank Ltd 2 1.9 0.2%
18 NABKISAN Finance Ltd 8 0.6 0.1%
19 Tamil Nadu Grama Bank 2 0.3 0.05%
20 South Indian Bank 2 0.2 0.03%
21 DCCBs 2051 170.2 22%
Why to Invest in Agriculture
Infrastructure ?
 Investment Potential

Potential Investment only Employment Generation

for 7 major infra types Opportunity (in no.)
(in Rupees Crore)

All India ~ Rs. 1.1 lakh Crore 21 lakh +

Tamil Nadu 6,500 + Cr 1 lakh +

• Based on the data of Agriculture Statistics at a glance, 2019 and FCI statistics, the identified cap storage is proposed to be converted into modern silos,
• Packhouse gap is considered as per the NCCD-NABCONS study, 2015 adjusted with horticulture production CAGR (horticulture statistics at a glance, 2018 ),
• Cold storage available data from Agriculture Statistics at a glance, 2019 vis-à-vis NCCD required data adjusted with horticulture CAGR
• https://www.nddb.coop/didf
• 5% of total horticulture area as per horticulture statistics at a glance, 2018 adjusted with CAGR
 Development Scope under AIF

Infra wise – Present status

Total – 2842 projects

Sorting &
42 Lakh+ Cultivators
Grading Others; 22% Primary pro- in the state
Unit; 4% cessing Center;
Smart 30%
and pre-
cision In-
fra; 4%
Warehouse;
Cold 19%
Stores ;
4%
59 lakh + MT Logistics 183+ Farmer Producers
103 lakh + MT Facility;
Cereals Fruits 5% CHC; 12% Organisations

472 + TMT 64 lakh + MT

Pulses Vegetables Critical to focus on each & every
potential beneficiary/ Crops to 4525+ Primary Agricultural
10 + TMT 43 lakh +MT achieve maximum benefit Credit Societies
Oil seeds Plantation crops
Crop wise
Potential Infrastructure
Under AIF
 Eligible Activities

Cleaning Cleaning
Sugarcane Cotton
Cane Breaking Drying

Milling & Straining Ginning

Drying& Evaporation Pressing & Bailing

Sugar & Jaggery Linting

Packaging & Storage Seed Oil

 Eligible Activities

De-husking Cleaning
Paddy Millets
Milling & Polishing Sorting & Grading

Sorting & Grading Milling

Warehouse/Silos Polishing

Packaging Storage

Transportation Packaging
 Eligible Activities

De-husking Cleaning
Coconut Banana
Cutting & Drying Sorting & Grading

Extraction of Water Cold store

Extraction of Milk Pack house

Virgin coconut Oil Ripening Chamber

Packaging Transportation
Action Plan for Achieving the Target
Target for TN Achievement till 2022-23 Target for each of the remaining FY
Rs. 5990 Cr. Rs.759 Cr. Rs.1744 Cr.

State Level District Level Plan for

Plan Plan NABARD
 State Level Action Plan
Target Coordination Review Support
• Dividing Annual • Coordination • Conducting • Handholding
AIF Target with State level Monthly review support to
among each of line meeting of applicants for
the districts departments; Banks application
(Month wise) Agriculture • Public Sector submission
• Setting target for • Horticulture Banks • DPR
each of the • Dept. of • Private Sector preparations
infrastructure Industries Banks • Meeting with
(District wise) • Coconut/ • Cooperative potential
rubber/ tea/ Banks and investors
coffee/ spices NABARD (Agribusiness
Board Regional Office houses, potential
• State Warehouse • SFB/ NBFC etc. customer of
Corporation Banks, FPOs)
 District Level Action Plan
Identificati Convergen Awareness
on ce Creation
Identification of eligible Convergence of eligible Awareness programs
beneficiaries from beneficiaries from
different schemes different schemes with • Awareness campaign
• Agriculture : RKVY, AIF for progressive
SMAM, AMI, PM- • Make the list of farmers (15 days) by
KUSUM (Component B beneficiaries & block agriculture
and C) share with state officer.
• Horticulture : MIDH, PMU • Creation of database
National/State • Onboard all the of interested farmers
Horticulture Mission eligible and Agripreneurs -
• Food Processing: beneficiaries on contact details and
PMFME, Operation AIF Portal type of infrastructure
Greens, PM Kisan • Share the list of
Sampada interested
* This list of schemes is indicative beneficiaries with
State PMU

37
 Action Plan for NABARD
Awareness campaign for FPOs, SHGs, JLGs and
Cooperatives(15 day drive)

DDM
NABARD List of interested groups with their contact
details , infrastructure requirements

Detail sharing of interested groups with State PMU

Compilation of all interested FPOs, SHGs, JLGs

NABARD RO and Cooperatives and share with state PMU

38
Live Demonstration of AIF Portal
https://agriinfra.dac.gov.in/