Subsidies & Incentives · Kolte Enterprises← Back to Ledger Logic
Subsidies · NABARD · Storage Infrastructure
The Agricultural Marketing Infrastructure (AMI) sub-scheme funds scientific storage — godowns and warehouses of 50 to 5,000 MT — with a credit-linked, back-ended capital subsidy of 25% (33.33% for farmers, FPOs, SC/ST promoters, women and NER/hilly areas), released through NABARD via your financing bank.
Two things people consistently get wrong: it only exists attached to a bank term loan, and the fund window opens and closes with allocations — so confirming the window is step zero.*
What you get
The godown must meet scientific storage norms — specified plinth height, ventilation, rat-proofing, damp-proofing, CWC-pattern specifications. A general-purpose shed fails inspection; design to the annexure from day one.
build to the specsFarmers and their groups, FPOs, SC/ST promoters and their cooperatives, women entrepreneurs, and projects in NER / hilly states earn 33.33%; everyone else — individuals, firms, companies, partnerships — gets 25%. Both subject to per-tonne cost norms and ceilings.*
same godown, different rateThe subsidy exists only behind a sanctioned bank term loan — self-financed godowns are outside the scheme. Your bank uploads the claim on NABARD’s ENSURE portal after sanction; you never apply to NABARD directly.
the bank is the applicantNABARD releases the amount to your bank, where it sits in a Subsidy Reserve Fund — earning you nothing, charging you nothing — and is adjusted against the final instalments of the loan after the lock-in, once inspection confirms the built godown.
reduces the loan tailThe same scheme funds other marketing infrastructure — grading, sorting, cleaning and packaging units, and allied facilities — useful when the warehouse is part of a larger post-harvest play.
one scheme, several assetsRun your numbers
Capital cost of the storage infrastructure. The claimable amount is computed within the scheme’s per-tonne cost norms and capacity ceilings* — a gold-plated build gets subsidy only on the normative cost.
Back-ended: your EMIs initially run on the full loan; the subsidy extinguishes the tail. Model cash-flows on that basis, not on “cost minus subsidy”.
Applicability
| Promoter / test | Position | Detail |
|---|---|---|
| Farmers, FPOs, their co-ops | 33.33% | The favoured class — higher rate, and the scheme’s stated priority. |
| SC/ST promoters & co-ops, women, NER/hilly projects | 33.33% | Same enhanced rate on eligible capital cost. |
| Individuals, partnerships, companies, agro-processing firms | 25% | Fully eligible at the standard rate — warehousing as a business qualifies; renting the space out is permitted. |
| Capacity 50–5,000 MT | RANGE | Minimum 50 MT (25 MT in hilly areas); subsidy computed up to the scheme’s capacity ceiling even if you build bigger. |
| Self-financed godown — no bank loan | NO | Credit-linked means credit-linked. No term loan, no claim. |
| Cold storage | NOT HERE | Cold chain rides separate schemes (MIDH / cold-chain programmes) — AMI covers dry scientific storage. Ask us which scheme your asset actually belongs to. |
Requirements
| Requirement | What is expected |
|---|---|
| Land | Owned or long-lease land in the promoter’s name, with conversion/permissions as locally required — the site plan is part of the appraisal. |
| DPR & estimates | Capacity, drawings to scientific-storage specifications, itemised civil estimates, viability with rental or captive-use assumptions. |
| Bank term-loan sanction | Appraised and sanctioned before the subsidy claim — the branch then registers the claim on NABARD’s ENSURE portal within the scheme’s timelines.* |
| Construction to spec | Plinth height, ventilation, damp-proofing and allied norms per the scheme annexure; deviations discovered at joint inspection cost you the subsidy. |
| Post-completion inspection | Joint Monitoring / inspection confirms the built asset before final subsidy confirmation; insurance of the godown and stocks as the bank requires. |
| Lock-in conduct | The asset must stay a working storage facility — diversion or sale during lock-in triggers recovery. |
The route
Asked often
That is genuinely the first question — AMI runs on periodic allocations and has paused and resumed more than once. We track the current window and the state’s position before any client commits design money.*
Renting is fine — storage as a business is precisely what the scheme funds. What matters is that the asset remains a scientific storage facility through the lock-in.
Because it is back-ended: the money sits in the bank’s Subsidy Reserve Fund and extinguishes the final instalments after inspection and lock-in. Until then you service the full loan — build your cash-flow model on that reality.
Only up to the capacity ceiling and per-tonne cost norms — beyond those, the extra capacity and any premium construction cost is entirely yours.
The same cost cannot earn two subsidies. Where a state scheme exists, the arithmetic — rate, ceiling, speed of release — decides which file to run; we do that comparison on paper first.
Only if it is scientific storage for agricultural marketing — produce, inputs and allied commodities built to the scheme's specifications. Bhiwandi's mainstream e-commerce and consumer-goods warehousing sits outside AMI; if that is the plan, the financing conversation is a normal bank term loan, not this subsidy.
Where we work
Around Jalgaon and Bhusawal the demand is agricultural — banana, cotton and pulses storage near the growing belts and the rail junction. On the Kalyan–Bhiwandi corridor, remember the scheme's boundary: AMI funds agricultural marketing storage, not general e-commerce godowns — the produce godown qualifies, the consumer-goods shed doesn't. Pune's agri-logistics belt sits comfortably inside the scheme.
We confirm the live fund window, structure the DPR to the cost norms, and manage the bank + ENSURE trail so the subsidy actually lands against your loan.
Talk to Ledger LogicRates, cost norms, capacity ceilings and the claim window are per the AMI operational guidelines and NABARD circulars in force. This guide is published by Ledger Logic, the accounting & compliance arm of Kolte Enterprises, as general information — scheme parameters change with notifications and fund availability, and figures marked * should be verified against the current guidelines before any commitment. It is not advice on a specific project.