Business, & agriculture finance

Scheme for Financing under Agriculture Infrastructure Fund

Term loans for eligible post-harvest management and community-farming assets. publishes a one-year -linked rate capped at 9.00% up to ₹2 crore and a rating/security-based matrix above ₹2 crore. 3–15-year repayment term conflicts with the revised guideline's seven-year scheme limit.

Interest rateUp to ₹2 crore: floating 1-year MCLR + 1.00%, capped at 9.00% p.a. Bank of Baroda's 1-year MCLR is 8.75% effective 12 September 2026, so the formula is 9.75% before the cap and the capped rate is 9.00% p.a. Above ₹2 crore: MCLR + Strategic Premium with the published spread depending on internal credit rating and immovable-property security coverage; see the exact matrix below. The 3% AIF subvention is separate and eligibility-limited.Eligible beneficiariesPrimary Agricultural Credit Societies (PACS), marketing cooperative societies, Joint Liability Groups (JLGs), Farmer Producer Organisations (FPOs), Self-Help Groups (SHGs), multipurpose cooperative societies, agri-entrepreneurs, start-ups, Aggregation Infrastructure Providers, and Central/State agency or local-body-sponsored PPP projects.Security and guaranteeFor loans up to ₹2 crore, eligible borrowers may receive CGTMSE credit-guarantee cover. The Bank also lists hypothecation of movable structures/equipment/machinery bought or created from its finance; mortgage of fixed-asset land and buildings; personal guarantees of proprietors, partners, promoters/directors; and any other security acceptable to the Bank.

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✓ Manually checked 28 Sept 2026 · active

Bank of Baroda's Agriculture Infrastructure Fund page spotlight showing farm workers planting a crop

Offered byBank of Baroda

India — Central Sector Agriculture Infrastructure Fund scheme; project and location rules apply.

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Eligible beneficiariesPrimary Agricultural Credit Societies (PACS), marketing cooperative societies, Joint Liability Groups (JLGs), Farmer Producer Organisations (FPOs), Self-Help Groups (SHGs), multipurpose cooperative societies, agri-entrepreneurs, start-ups, Aggregation Infrastructure Providers, and Central/State agency or local-body-sponsored PPP projects.View source

The page separately lists all ten beneficiary groups; this fact does not convert the page's eligible-project list into a borrower type.

Source: Financing under Agriculture Infrastructure Fund Scheme — Bank of Baroda
Page / section: Eligibility Criteria — Eligible beneficiaries
Accessed: 28 Sept 2026
Confidence: high

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Eligible projects and conditionsThe project must be an eligible post-harvest management infrastructure or viable community-farming asset. The revised Government guideline lists detailed project families, crop-wise processing inclusions/exclusions, location-level subvention limits and entity-specific project-count rules in the tables on this page.Effective 28 Sept 2024View source

The previously visually reviewed revised guideline separates project eligibility from the beneficiary list and gives the printed crop activity exclusions and entity-specific location/project-count conditions in full.

Source: Agriculture Infrastructure Fund — Revised Scheme Guidelines, September 2024
Page / section: pp. 7–11, sections 6–8 and complete linked eligible-project / crop-activity / location-limit tables
Accessed: 24 Sept 2026
Confidence: high

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Eligible infrastructureInvestment in viable post-harvest management infrastructure and community-farming assets, including warehouses, silos, pack houses, assaying and sorting/grading units, cold chains, logistics, primary processing, ripening chambers, organic-input and bio-stimulant production, smart/precision agriculture, crop-cluster supply-chain infrastructure and eligible public-private partnership assets. The complete Government list and crop-wise conditions are preserved in the linked tables.View source

The bank page names the main asset families; the full revised scheme guideline table supplies project-group exceptions and crop-wise processing conditions.

Source: Financing under Agriculture Infrastructure Fund Scheme — Bank of Baroda
Page / section: Features and Eligibility Criteria — Eligible Projects; revised scheme guideline sections 6–7
Accessed: 28 Sept 2026
Confidence: high

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Interest subvention and guarantee supportEligible loans receive 3% p.a. interest subvention for up to 7 years on up to ₹2 crore; for a loan above ₹2 crore, the subvention remains limited to ₹2 crore. Eligible borrowers may receive CGTMSE guarantee cover for loans up to ₹2 crore, with the Government of India paying/reimbursing the coverage fee under the applicable route.Effective 28 Sept 2024View source

The government support table and the bank's visible distinguish the ₹2-crore subsidy/guarantee threshold from a maximum total loan amount.

Source: Agriculture Infrastructure Fund — Revised Scheme Guidelines, September 2024
Page / section: p. 6, section 5 — Government Budgetary Support; Benefits and answers 3–4
Accessed: 28 Sept 2026
Confidence: high

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publishes one-year plus 100 bps floating, subject to a maximum of 9.00%, up to ₹2 crore. Its current table lists 1-year at 8.75% effective 12 September 2026. The over-₹2-crore matrix is transcribed in a separate evidence table; its CR1–3, >50–75% cell literally omits the plus sign.

Source: Financing under Agriculture Infrastructure Fund Scheme — Bank of Baroda
Page / section: — Rate of Interest and complete above-₹2-crore matrix; current benchmark HTML lines 161–171
Accessed: 28 Sept 2026
Confidence: high

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Repayment period — source discrepancyBank of Baroda's MITC says 3–15 years, including a 6-month minimum to 2-year maximum moratorium. The revised Government AIF guideline says the scheme loan period is at most 7 years, including any moratorium. These published terms conflict; confirm the applicable repayment cap with the Bank before applying.View source

The current bank page prints repayment from 3 to 15 years. The already reviewed revised Government guideline states a maximum loan period of seven years including any moratorium. Applicability or a later bank clarification is not published in the reviewed sources; neither value is silently discarded.

Source: Financing under Agriculture Infrastructure Fund Scheme — Bank of Baroda
Page / section: — Repayment Period; revised guideline section 4, scheme period/loan repayment
Accessed: 28 Sept 2026
Confidence: high

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Security and guaranteeFor loans up to ₹2 crore, eligible borrowers may receive CGTMSE credit-guarantee cover. The Bank also lists hypothecation of movable structures/equipment/machinery bought or created from its finance; mortgage of fixed-asset land and buildings; personal guarantees of proprietors, partners, promoters/directors; and any other security acceptable to the Bank.View source

The page lists the conditional cover and each of the Bank's security forms; guarantee cover is not stated as automatically replacing all other security.

Source: Financing under Agriculture Infrastructure Fund Scheme — Bank of Baroda
Page / section: — Security
Accessed: 28 Sept 2026
Confidence: high

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Promoter contributionMinimum 10% of project cost as promoter contribution.View source

The states a minimum 10% of project cost as promoter contribution.

Source: Financing under Agriculture Infrastructure Fund Scheme — Bank of Baroda
Page / section: — Margin
Accessed: 28 Sept 2026
Confidence: high

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Processing and inspection chargesProcessing: nil for aggregate loans up to ₹3 lakh; above ₹3 lakh, 1% of sanctioned limit, capped at ₹100 lakh. Inspection: nil up to ₹3 lakh; ₹250 above ₹3 lakh to ₹10 lakh; ₹1,000 above ₹10 lakh to ₹1 crore; ₹5,000 above ₹1 crore.View source

The page states aggregate-loan thresholds, sanctioned-limit basis and the ₹100-lakh processing cap, and lists all four inspection tiers. No treatment is stated in this section.

Source: Financing under Agriculture Infrastructure Fund Scheme — Bank of Baroda
Page / section: Fees And Charges — Processing Charges and Inspection Charges
Accessed: 28 Sept 2026
Confidence: high

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DocumentsKYC document (Aadhaar, Voter ID, PAN Card or Driving Licence, etc.); passport-size photo; land record; quotation/invoice if available; project report if available; and income-tax returns if available.View source

The page lists these six document groups; the quotation/invoice, project report and income-tax returns are expressly qualified ‘if available’.

Source: Financing under Agriculture Infrastructure Fund Scheme — Bank of Baroda
Page / section: Document Required
Accessed: 28 Sept 2026
Confidence: high

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Geographic scopeIndia — a Central Sector scheme. Project eligibility and location-level limits in the revised Government guideline still apply.Effective 28 Sept 2024View source

The guideline identifies as a Central Sector scheme and expressly applies its location and project-count conditions through village/town Local Government Directory codes; it does not restrict the scheme to a named state.

Source: Agriculture Infrastructure Fund — Revised Scheme Guidelines, September 2024
Page / section: pp. 1–2 and section 8; national Central Sector scheme scope and location-code/project rules
Accessed: 24 Sept 2026
Confidence: high

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Published scheme end dates — discrepancyBOB's Benefits section says 2020–21 to 2032–33, while its Features section says 2020–21 to 2029–30. The revised Government guideline says 2020–21 to 2032–33. BOB's own page is internally inconsistent; the two displayed dates are preserved here without treating the older date as current.Effective 28 Sept 2024View source

On one page prints scheme operation to 2032–33 in Benefits and to 2029–30 in Features. The 2024 revised Government guideline states 2032–33; the bank page inconsistency is retained as a separate caveat.

Source: Financing under Agriculture Infrastructure Fund Scheme — Bank of Baroda
Page / section: Benefits and Features; revised guideline section 4 — scheme period
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

3% per-year interest subvention for up to seven years on loans up to ₹2 crore; on a loan above ₹2 crore, the subvention is limited to ₹2 crore.
Eligible borrowers may receive credit-guarantee coverage for loans up to ₹2 crore; the Government of India pays or reimburses the guarantee fee under the applicable scheme route.
Eligible investments include post-harvest infrastructure and viable community-farming assets; the revised guideline's complete project, crop-activity and location-limit tables are shown below.

Eligibility

The page lists PACS, marketing cooperatives, , , , multipurpose cooperatives, agri-entrepreneurs, start-ups, aggregation infrastructure providers and Central/State/local agency PPP projects.
The project must be within an eligible post-harvest-management or community-farming project type; the revised Government guideline specifies project conditions and crop-wise inclusions and exclusions in the linked tables.
Under the revised guideline, private-sector entities including farmers, agri-entrepreneurs and start-ups are subject to the 25-project limit across distinct village/town LGD-code locations; listed State agencies, cooperatives, and /federations are exempt. APMC projects have a separate location/project rule.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

document, such as Aadhaar, Voter , Card or Driving Licence
Passport-size photograph
Land record
Quotation or invoice, if available
Project report, if available
Income-tax returns, if available

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹22,493twenty-two thousand four hundred ninety-three rupees

Interest paid over the full loan₹28,98,356twenty-eight lakh ninety-eight thousand three hundred fifty-six rupees

Everything you repay₹53,98,356fifty-three lakh ninety-eight thousand three hundred fifty-six rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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1 · ComponentInterest subvention cost

This value is copied from revised guideline — complete government budgetary-support table. Check the table notes before relying on it.

Source: Agriculture Infrastructure Fund — Revised Scheme Guidelines, September 2024 · p. 6, section 5 — Government Budgetary Support Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 3 rows · 3 columnsAIF revised guideline — complete government budgetary-support tableView tableHide table