StartupFloraNaiff Success Story By StartupFlora
What is Naiff Scheme?
The National Agriculture Infra Financing Facility (Naiff), popularly known as the Agriculture Infrastructure Fund (AIF), is a flagship financing scheme of the Government of India launched in 2020. It provides concessional loans with 3% interest subvention and credit guarantee cover to support farmers, FPOs, PACS, cooperatives, startups, and agri-entrepreneurs.
The scheme’s main goal is to build post-harvest infrastructure and community farming assets—from warehouses and cold storages to food processing units and supply chain facilities. These projects reduce post-harvest losses, add value to crops, and ensure better prices for farmers.
Eligibility for Naiff Scheme
- Individual farmers, FPOs, PACS, cooperatives, and startups in agriculture
- Projects focused on agriculture infrastructure such as storage, logistics, and processing
- Loans up to ₹2 crore per project qualify for interest subvention and credit guarantee
Allotted Budget and National Dashboard of Naiff(2025)
The Government allotted ₹1,00,000 crore (₹1 lakh crore) for Naiff/AIF to be disbursed by 2025–26. According to the latest dashboard data:
- Registered Beneficiaries: 2,53,236
- Applications Received: 2,45,200
- Total Loan Amount of Applications: ₹1,07,497 crore
- Total Projects Sanctioned: 1,27,431
- Total Amount Sanctioned: ₹73,072 crore
- By Commercial Banks: ₹70,807 crore
- By Cooperative Banks: ₹2,264 crore
- Total Projects Disbursed: 1,15,700
- By Commercial Banks: 1,07,841 projects | ₹49,352 crore
- By Cooperative Banks: 7,859 projects | ₹1,159 crore
- Total Amount Disbursed: ₹50,511 crore
- Participating Institutions: 484 (34 Commercial Banks, 26 State Cooperative Banks, 365 District Cooperative Banks, 59 Other Institutions)
This national data highlights how Naiff Success Story is unfolding at scale, empowering agriculture infrastructure across India.
Naiff Success Story by StartupFlora
At StartupFlora, we have consistently supported entrepreneurs, FPOs, and cooperatives to write their own Naiff Success Story by preparing bankable project reports and loan applications under this scheme.
Naiff Success Stories (StartupFlora Clients)
| Company Name | SCHEME | Document prepared | Application submit | Soft approval | Disbursement |
| SAMPAT AGRICULTURE PRIVATE LIMITED | NAIFF | YES | YES | YES | YES |
| SHRIDA AGRO BUSINESS PRIVATE LIMITED | NAIFF | YES | YES | YES | YES |
| Devkee Masala And Foods (Opc) Private Limited | NAIFF | YES | YES | YES | YES |
| Indivest Mushrooms (Opc) Private Limited | NAIFF | YES | YES | YES | YES |
| AARNA FARM PRODUCE LLP | NAIFF | YES | YES | YES | YES |
These Naiff Success Stories prove how StartupFlora’s guidance helps clients transform ideas into operational projects.
How StartupFlora Helps in Securing Naiff Grants
StartupFlora follows a step-by-step process to turn every application into a Naiff Success Story:
- Eligibility Check & Consultation – Analyze project fit under Naiff guidelines.
- Project Report Preparation – Draft detailed DPR with financials and technical details.
- Application on Naiff Portal – Register, upload documents, and submit online applications.
- Bank Coordination – Liaise with banks and cooperatives to fast-track approval.
- Sanction & Compliance – Ensure 3% interest subvention and credit guarantee benefits are applied.
- Disbursement & Follow-Up – Assist in fund release, compliance, and project monitoring.
Through this process, StartupFlora ensures that every client has a smoother journey in achieving their Naiff Success Story.
Why Naiff Scheme is a Game-Changer for India
The Naiff Scheme is more than just infrastructure finance—it’s a driver of India’s economic growth. It empowers every entrepreneur and farmer connected with agriculture: dairy units, grain storage, food processing, logistics, and fertilizer supply chains.
By encouraging local production and infrastructure, Naiff boosts India’s Gross Domestic Production (GDP), generates employment, and strengthens rural economies. Each Naiff Success Story contributes directly to India’s progress.
The scheme also resonates with PM Modi’s “Make in India” campaign and the spirit of Swadeshi:
- “Main Swadeshi Maal ki Bikri Karta Hoon” (I sell Indian-made products)
- “Main Swadeshi Maal ki Kharid Karta Hoon” (I buy Indian-made products)
FAQs on Naiff Scheme
Q1. What is the Naiff Scheme?
The Naiff Scheme, also called Agriculture Infrastructure Fund (AIF), is a government program launched in 2020. It offers concessional loans with 3% interest subvention and credit guarantee to farmers, FPOs, cooperatives, and agri-startups for creating storage, cold chains, processing, and logistics infrastructure.
Q2. Who can apply under Naiff?
Eligible applicants include individual farmers, Farmer Producer Organizations (FPOs), Primary Agricultural Credit Societies (PACS), cooperatives, and agriculture-based startups. Projects must focus on agriculture infrastructure like warehouses, cold storages, or food processing units. Loans up to ₹2 crore per project qualify for subsidy and guarantee support.
Q3. What projects are covered under Naiff?
Naiff funds post-harvest and community infrastructure projects such as warehouses, cold storage, grading and sorting units, food processing facilities, and supply chain logistics. These projects reduce crop wastage, improve value addition, and enable farmers and agri-entrepreneurs to secure better prices in domestic and global markets.
Q4. What benefits does Naiff provide?
Naiff provides a 3% interest subvention on loans up to ₹2 crore and extends credit guarantee support. This reduces borrowing costs, minimizes collateral pressure, and encourages farmers, cooperatives, and startups to invest in modern agri-infrastructure, boosting productivity, reducing waste, and creating long-term economic resilience.
Q5. What is the scheme’s budget and performance so far?
The government allocated ₹1 lakh crore under Naiff till 2025–26. As of 2025, over 2.45 lakh applications were received, 1.27 lakh projects sanctioned, and ₹50,511 crore disbursed. More than 484 institutions, including commercial and cooperative banks, are active participants, showcasing the scheme’s large-scale success.
Q6. How does StartupFlora help in Naiff applications?
StartupFlora assists by checking project eligibility, preparing detailed reports, registering applications on the Naiff portal, coordinating with banks, ensuring sanction and compliance, and guiding clients till disbursement. Their expert process helps applicants smoothly access subsidies, credit guarantees, and build impactful Naiff success stories.
Q7. Can you share StartupFlora’s Naiff success stories?
Yes, several clients like Sampat Agriculture Pvt. Ltd., Shrida Agro Business, Devkee Masala & Foods, Indivest Mushrooms, and Aarna Farm Produce LLP secured Naiff loans with StartupFlora’s guidance. These businesses successfully established storage, processing, and agri-infrastructure facilities, turning ideas into profitable and sustainable ventures.
Q8. Why is Naiff considered a game-changer?
Naiff bridges India’s agri-infrastructure gap by financing local storage, processing, and logistics. It empowers farmers with better pricing, reduces post-harvest waste, and boosts rural jobs. By strengthening India’s agri-economy, Naiff supports GDP growth and aligns with “Make in India” and the Swadeshi vision of self-reliance.