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IND Krishi Infra Fund (Agriculture Infrastructure Fund)

Term finance for post-harvest management and community farming infrastructure, with benefits, three-percent interest subvention and credit-guarantee support.

Interest rateMCLR (one-year) + 1.00%, subject to a maximum of 9.00% in the shared official agriculture-rate table; 3% p.a. interest subvention applies up to ₹2 crore for up to seven years.Maximum amountBased on project cost; AIF benefits apply up to ₹2 crore, while sanctions above ₹2 crore may be made with benefits restricted to ₹2 crore.TenureMaximum seven years including a holiday period of up to two years.
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Quick eligibility check

IND Krishi Infra Fund (Agriculture Infrastructure Fund)

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: eligible borrower type, project cost, promoter contribution and scheme appraisal apply?

Published source: Minimum income

2Do you meet this requirement: Farmers, FPOs, PACS, SHGs, JLGs, cooperatives, agriculture entrepreneurs/startups and government or PPP agencies developing eligible post-harvest or community farming infrastructure?

Published source: Eligibility

3Do you meet this product condition: Project report/cost, borrower KYC, land/building and asset records, promoter contribution, subsidy, security, guarantee and credit-guarantee records?

Published source: Required documents

4Do you meet this requirement: Eligible projects include warehouses, cold stores, packaging, assaying, PM-KUSUM B/C, CBG, nursery, tissue culture, sericulture, honey, hydroponic, mushroom, vertical/aeroponic farming, polyhouses, logistics and tractors?

5Do you meet this requirement: Eligible borrowers include farmers, FPOs, PACS, SHGs, JLGs, cooperatives, startups, agencies and PPP projects?

6Document checkDo you have this required document or proof: Project report and cost estimates?

Published source: Required documents

7Document checkDo you have this required document or proof: Entity/farmer KYC and constitution records?

Published source: Required documents

8Document checkDo you have this required document or proof: Land, building, plant and machinery documents?

Published source: Required documents

9Document checkDo you have this required document or proof: Promoter contribution, subsidy and cash-flow evidence?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

India

Key facts

What the official sources publish

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

Loan typeTerm loan for agriculture infrastructure and post-harvest/community assets.View source
The official page lists term loan.
Source
IND Krishi Infra Fund
Page / section
Type Of Facility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateMCLR (one-year) + 1.00%, subject to a maximum of 9.00% in the shared official agriculture-rate table; 3% p.a. interest subvention applies up to ₹2 crore for up to seven years.View source
The official rate table publishes one-year + 1.00% subject to maximum 9.00%; the product page publishes 3% subvention.
Source
Indian Bank agriculture rates
Page / section
IND Krishi Infra Fund rate row
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkMCLR (one-year) + 1.00%, capped at 9.00% in the reviewed rate table.View source
The shared official table gives the benchmark, spread and cap.
Source
Indian Bank agriculture rates
Page / section
IND Krishi Infra Fund rate row
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR percentage is published.View source
Interest and subvention are published, but no calculation appears.
Source
IND Krishi Infra Fund review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published; eligible borrower type, project cost, promoter contribution and scheme appraisal apply.View source
The official page sets project and borrower criteria rather than a salary floor.
Source
IND Krishi Infra Fund eligibility review
Page / section
Target Group; Quantum; Margin
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amountBased on project cost; AIF benefits apply up to ₹2 crore, while sanctions above ₹2 crore may be made with benefits restricted to ₹2 crore.View source
The official page publishes the ₹2 crore benefit limit and treatment of larger sanctions.
Source
IND Krishi Infra Fund quantum
Page / section
Quantum Of Finance
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum seven years including a holiday period of up to two years.View source
The official repayment row publishes seven years inclusive of a two-year holiday.
Source
IND Krishi Infra Fund repayment
Page / section
Repayment Period
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeUp to ₹25,000: nil; above ₹25,000: as per the agriculture service-charge circular.View source
The official page publishes the ₹25,000 fee band and circular reference.
Source
IND Krishi Infra Fund fee
Page / section
Processing Charges
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo separate charge is published.View source
No foreclosure charge is stated.
Source
IND Krishi Infra Fund prepayment review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityFarmers, FPOs, PACS, SHGs, JLGs, cooperatives, agriculture entrepreneurs/startups and government or PPP agencies developing eligible post-harvest or community farming infrastructure.View source
The official target and objective sections enumerate borrowers and eligible infrastructure, while subvention is capped at ₹2 crore.
Source
IND Krishi Infra Fund eligibility
Page / section
Target Group; Objective; Subsidy / Interest Subvention
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsProject report/cost, borrower KYC, land/building and asset records, promoter contribution, subsidy, security, guarantee and credit-guarantee records.View source
The official page identifies project, margin, security and guarantee evidence.
Source
IND Krishi Infra Fund documentation
Page / section
Quantum; Margin; Security; Credit Guarantee
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Finance for warehouses, silos, cold chains, logistics, primary processing and smart-farming assets
  • Project-cost finance; benefits up to ₹2 crore
  • 25% minimum term-loan margin and at least 10% promoter contribution
  • Maximum seven-year repayment including up to two-year holiday
  • 3% p.a. interest subvention up to ₹2 crore for up to seven years

Eligibility

  • Eligible projects include warehouses, cold stores, packaging, assaying, -KUSUM B/C, , nursery, tissue culture, sericulture, honey, hydroponic, mushroom, vertical/aeroponic farming, polyhouses, logistics and tractors.
  • Eligible borrowers include farmers, , PACS, , , cooperatives, startups, agencies and PPP projects.

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

Documents the bank lists

  • Project report and cost estimates
  • Entity/farmer and constitution records
  • Land, building, plant and machinery documents
  • Promoter contribution, subsidy and cash-flow evidence
  • Security, guarantee and / guarantee records

Related official documents

Interest Rates for Agri Products and Interest Rate Range — Indian Bankofficial-rate-table · current · accessed 31 Aug 2026
↗
IND Krishi Infra Fund (Agriculture Infrastructure Fund) — Indian Bankofficial-product-page · current · accessed 31 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine 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.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Eligible borrowers · Published detailFarmers, , PACS, , , cooperatives, startups, agencies and PPP projects.

This value is copied from IND Krishi Infra Fund — published terms. Check the table notes before relying on it.

Source: IND Krishi Infra Fund · Complete product criteria and shared rate table Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsIND Krishi Infra Fund — published termsCurrent Indian Bank AIF agriculture-infrastructure finance terms.View tableHide table

Scroll sideways to view every column

IND Krishi Infra Fund — published terms
ParameterPublished detail
Eligible borrowersFarmers, , PACS, , , cooperatives, startups, agencies and PPP projects.
ProjectsWarehouses, silos, cold chains, logistics, processing, smart farming, , -KUSUM, hydroponic/mushroom/vertical farming, polyhouse and tractors.
QuantumBased on project cost; benefits up to ₹2 crore, larger sanctions permitted with benefits restricted to ₹2 crore.
Margin25% minimum term-loan margin; at least 10% promoter contribution after subsidy treatment.
RepaymentMaximum seven years including up to two-year holiday.
Rate/subvention (1Y)+1.00% subject to 9.00% cap; 3% p.a. subvention up to ₹2 crore for seven years.
ProcessingUp to ₹25,000 nil; above per agriculture service-charge circular.
Security/guaranteeHypothecation, mortgage, liquid collateral, personal guarantees; up to ₹2 crore and guarantee options.
IND Krishi Infra Fund · Complete product criteria and shared rate table · accessed 31 Aug 2026Open official source ↗

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