Financing Against Warehouse Receipt

Particulars	Guidelines under the scheme
Purpose	A finance against warehouse receipt provided to the eligible people. Find out more about the eligibility in the details below.
Eligibility	Loans to individual farmers including Self Help Groups (SHGs) or Joint Liability Groups (JLGs), i.e., groups of individual farmers, provided Bank maintain disaggregated data of such loans. Proprietorship firm of farmers, corporate farmers, farmer’s producer’s organizations/companies of individual farmers. Partnership firms and co-operatives of farmers directly engaged in Agriculture and Allied activities up to Rs. 50 lakhs against pledge/hypothecation of agriculture produce (including warehouse receipt) for a period not exceeding 12 months. Food and agro processing units having aggregate sanctioned limit up to Rs. 100 crores from the entire banking system.
Nature of facility	Farmers: By Demand Loan Others : By Cash Credit (Pledge)
Rate of Interest	MCLR + SP + 0.25 click here
Margin	Minimum of 30% (The margin may be increased considering the volatility in price for the particular commodity or as prescribed by the collateral manager whichever is higher).
Repayment Period	Up to 12 months for farmers. For others as advised by CM for commodity to commodity but not more than 12 months.
Security	Warehouse/storage receipts issued by CM and their associates/franchise duly certified by CM.

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