ATISIS — 3% Interest Subvention on Working Capital, Up to ₹20L for Assam Tea — Frequently Asked Questions

It offers a 3% per annum interest subvention on your working capital loan, which works out to a maximum of ₹20,00,000 per unit (garden) in a single financial year. The money is paid to you as a reimbursement rather than as an upfront grant.

No fixed cut-off date is prescribed — the window is rolling and stays open through FY 2027-28. Because the benefit is a reimbursement, eligible units typically file their claims after each financial year is completed.

Your unit must be a tea plantation and manufacturing business located entirely in Assam, producing Crush, Tear, Curl (CTC) tea, Orthodox tea, or a speciality tea such as Green, Oolong, White, Yellow or Purple. You must also hold a working capital loan from a Scheduled Commercial Bank or Public Financial Institution for tea-related activity, the loan must have been sanctioned or renewed on or after 1 April of the financial year of the claim (up to FY 2027-28), your loan accounts must not be NPAs, and you must not have claimed interest subsidy under another scheme.

Neither is listed as a requirement for this component. What matters is that your tea unit is wholly in Assam, that it is engaged in eligible tea production, that the working capital loan comes from a Scheduled Commercial Bank or Public Financial Institution, that the account is standard, and that you have not drawn interest subsidy elsewhere for the same purpose.

No. This is a subsidy in the form of an interest reimbursement, so no shares, stake or ownership in your tea unit is taken in return.

The loan must have been taken from a Scheduled Commercial Bank or a Public Financial Institution and must be for activities directly connected to tea plantation or tea manufacturing. It must have been sanctioned or renewed on or after 1 April of the financial year in which you file the claim, and the scheme covers such loans up to FY 2027-28.

No. On the date of filing your claim, none of your loan accounts may be classified as a Non-Performing Asset as per Reserve Bank of India guidelines.

No. An applicant who has already availed interest subsidy for the same purpose under any other scheme is not eligible for this component.

You will upload the supporting eligibility documents in the format the portal prescribes, along with full unit details covering location, type of tea production and capacity. The application form must be completed in all its mandatory fields with every required document attached, staying within the portal's file format and size limits. Keep a note of your application reference number and save a copy of the submitted form.

Register as a new user on the ATISIS portal, create your username and password, verify your mobile number with an OTP and complete the captcha. Activate the account from the link sent to your registered email, log in, upload your documents and complete unit registration, then wait for approval. After that, go to 'Apply for Benefits' and choose the 'Interest Subvention on Working Capital' component, fill the form, attach your documents and submit it online.

ATISIS — 3% Interest Subvention on Working Capital, Up to ₹20L for Assam Tea is offered by Finance (Institutional Finance) Department, Government of Assam, a government body. It is provided as non-dilutive funding.