Can I combine an AIF loan with my Kisan Credit Card or other crop loans?

An AIF loan and a Kisan Credit Card serve different purposes and are generally separate facilities. Your KCC is a short term crop and working capital loan for seasonal cultivation expenses, while an Agriculture Infrastructure Fund loan is a medium to long term term loan for building infrastructure like a warehouse, cold store or processing unit. They are not the same limit, you can hold both, with the KCC running your crop cycle and the AIF loan financing the asset. That said, the bank looks at your overall creditworthiness and total exposure when sanctioning, so a large existing loan can affect how much new term loan they are comfortable giving. The interest subvention is also scheme-specific, your KCC may carry its own interest subvention for crop loans, and the AIF loan carries the separate 3 percent subvention on the infrastructure loan up to its ceiling, you do not lose one because you have the other. Keep the two loans cleanly separated in purpose and repayment so there is no confusion at the bank. If you are building a warehouse, you might later also use a warehouse receipt loan against stored produce, which is yet another distinct facility. Confirm how your specific exposures interact with your lending bank, and check current AIF terms on the official agriinfra portal. This is general information and not financial advice.