Exploring the impact of digital inclusive finance on agricultural net carbon sink efficiency has theoretical and practical significance for enriching the theoretical system of digital finance and promoting the quality and efficiency of agricultural low-carbon development. Based on the data of 30 provinces and municipalities in China from 2011 to 2020, the Malmquist index method is used to measure the carbon emission efficiency, the panel threshold model is used to explore the direct impact of digital inclusive finance on the efficiency of agricultural net carbon sink, and the stepwise regression method is used to explore the indirect impact of technological innovation as an intermediary. In view of geographical location and policy inclination, the heterogeneity of its impact effect is further studied. Digital inclusive finance has a positive effect on the efficiency of agricultural net carbon sinks, and the effect is different in different threshold ranges of digital inclusive finance. The effect in the low value area of digital inclusive finance is greater than that in the high value area. There is a nonlinear relationship between the two. Technological innovation is an important channel to affect the efficiency of agricultural net carbon sinks. There are time differences in the impact of digital inclusive finance and agricultural net carbon sink efficiency, and the positive promotion effect at this stage is significantly higher than that before 2016. The impact of digital inclusive finance in regions with low economic development is higher than that in regions with high economic development. It is proposed to strengthen digital financial services and promote the promotion of digital inclusive finance in the agricultural field; reduce regional development differences and implement heterogeneous governance strategies to appropriately regulate digital financial supervision; through financial subsidies and other ways to encourage farmers and agricultural enterprises to adopt low-carbon agricultural technology and management methods, improve the efficiency of net carbon sinks and other recommendations.