I supply vegetables to a buyer who wants graded and packed produce. Can I set up a sorting, grading and pack house with an Agriculture Infrastructure Fund loan?
2 जवाब
Yes, sorting, grading, washing, waxing and pack house facilities are eligible post-harvest projects under the Agriculture Infrastructure Fund. These are exactly the farm-gate value addition assets the scheme is meant to support, because they reduce losses and help you sell graded, buyer-ready produce at a better price. The loan can cover the shed, grading lines, sorting tables, weighing and packing equipment and related items as appraised by the bank, with the 3 percent interest subvention up to the ceiling and credit guarantee on eligible loans. A pack house pairs well with cold storage or a ripening chamber if your buyer needs cold-chain delivery, and you can include linked items in one project report if the bank agrees. Practical advice. First, design the line around your actual crop and your buyer's grade specifications, do not over-equip. Second, factor in seasonality, a single-crop pack house may sit idle off season, so plan a crop calendar that keeps it busy. Third, get firm equipment quotations because grading machinery cost varies a lot by capacity. Fourth, if you supply to organised retail or exports, build to the hygiene and traceability standards they require. Confirm eligibility of your specific configuration and current terms on the official AIF agriinfra portal or with your lending bank. This is general information and not financial advice.
Our grading shed changed our price realisation. Buyers pay more for clean, sized produce. The AIF loan made the machinery affordable for our group.