Business, & agriculture finance

Construction Of Storage Structure Projects

Term-loan and working-capital finance for new godowns, dry warehouses, cold storage, cold chains, silos and market yards. The page states loans from ₹25 lakh to ₹100 crore and financing up to 75% of project cost.

Loan amount and project fundingMinimum loan ₹25 lakh; maximum ₹100 crore. The page FAQ states financing can cover up to 75% of project cost.Interest rateFor godowns designed to store agricultural produce/products, the rate is MCLR + Strategic Premium plus 0.45%–2.25%, depending on internal credit rating and collateral-security coverage. The D.3/D.9 matrix is specifically for this agricultural-godown category, not every storage project in the broader scheme.Eligible promotersIndividuals, groups of farmers/growers, registered Farmer Producer Organisations, proprietorship and partnership firms, companies and corporations, non-governmental organisations and self-help groups, autonomous government bodies, cooperatives and cooperative marketing federations, and state departments/agencies or state-owned/autonomous corporations including Agricultural Produce Market Committees, marketing boards, state warehousing corporations and state civil-supplies corporations.

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✓ Manually checked 28 Sept 2026 · active

Offered byBank of Baroda

India through Bank of Baroda's domestic branch network; individual products may have narrower eligibility or channel availability

Key facts

What the official sources publish

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Interest rateFor godowns designed to store agricultural produce/products, the rate is MCLR + Strategic Premium plus 0.45%–2.25%, depending on internal credit rating and collateral-security coverage. The D.3/D.9 matrix is specifically for this agricultural-godown category, not every storage project in the broader scheme.View source

The current product page and current D.3/D.9 tariff row publish the same eight spreads. Both state + ; neither specifies a one-year tenor for this matrix.

Source: Priority Sector Loans Interest Rates — Bank of Baroda
Page / section: D.3 and repeated D.9 — advances for construction of godowns designed to store agricultural produce/products; product rate table
Accessed: 28 Sept 2026
Confidence: high

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Eligible storage projectsTerm-loan or working-capital finance for new scientific storage capacity: godowns, dry warehouses, cold storage, cold chains, silos and market yards.View source

Term Loan/Working Capital facilities may be considered for new projects creating scientific storage capacity such as godowns, dry warehouses, cold storage, cold chains, silos and market yards.

Source: Construction Of Storage Structure Projects — Bank of Baroda
Page / section: Features
Accessed: 28 Sept 2026
Confidence: high

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Eligible promotersIndividuals, groups of farmers/growers, registered Farmer Producer Organisations, proprietorship and partnership firms, companies and corporations, non-governmental organisations and self-help groups, autonomous government bodies, cooperatives and cooperative marketing federations, and state departments/agencies or state-owned/autonomous corporations including Agricultural Produce Market Committees, marketing boards, state warehousing corporations and state civil-supplies corporations.View source

The page lists six promoter groups, from individuals and farmer groups through cooperatives and state agencies/corporations.

Source: Construction Of Storage Structure Projects — Bank of Baroda
Page / section: Eligibility Criteria — all six bullets
Accessed: 28 Sept 2026
Confidence: high

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The page lists the same six promoter groups under Eligibility Criteria.

Source: Construction Of Storage Structure Projects — Bank of Baroda
Page / section: Eligibility Criteria — all six bullets
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Loan amount and project fundingMinimum loan ₹25 lakh; maximum ₹100 crore. The page FAQ states financing can cover up to 75% of project cost.View source

states minimum ₹25 lakh and maximum ₹100 crore; the page answers that up to 75% of project cost may be financed.

Source: Construction Of Storage Structure Projects — Bank of Baroda
Page / section: — Quantum of Loan; — How much loan can I get for cold storage?
Accessed: 28 Sept 2026
Confidence: high

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Project margin25% of project cost.View source

The benefits section and state a margin requirement of 25% of project cost.

Source: Construction Of Storage Structure Projects — Bank of Baroda
Page / section: Benefits; — Margin
Accessed: 28 Sept 2026
Confidence: high

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Repayment periodOverall period: up to 15 years including a maximum 2-year moratorium. Term loans are repayable over 3–15 years, including a maximum 24-month moratorium; instalments may be monthly, quarterly, half-yearly or yearly, based on project needs and progress certified by an empanelled engineer and chartered accountant. Working capital: 12 months, with annual review.View source

gives a maximum 15-year period including up to two years moratorium, term-loan repayment/frequency rules and a 12-month working-capital period with annual review.

Source: Construction Of Storage Structure Projects — Bank of Baroda
Page / section: — Period and Repayment
Accessed: 28 Sept 2026
Confidence: high

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SecurityHypothecation of the structure, equipment and machinery purchased or created with Bank finance; mortgage of fixed assets such as project land, building or shed; and personal guarantee of the proprietor, partners, promoters, directors or property owner offered as security.View source

The page enumerates the hypothecation, mortgage and personal-guarantee security package.

Source: Construction Of Storage Structure Projects — Bank of Baroda
Page / section: — Security
Accessed: 28 Sept 2026
Confidence: high

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Processing feeNil up to an aggregate loan limit of ₹3 lakh.View source

Processing charges are stated as nil up to aggregate loan limit of ₹3.00 lakh; no higher-limit processing amount appears in the reviewed page.

Source: Construction Of Storage Structure Projects — Bank of Baroda
Page / section: Fees & Charges — Processing charges
Accessed: 28 Sept 2026
Confidence: high

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Inspection feeNil up to an aggregate loan limit of ₹3 lakh.View source

Inspection charges are stated as nil up to aggregate loan limit of ₹3.00 lakh; no higher-limit inspection amount appears in the reviewed page.

Source: Construction Of Storage Structure Projects — Bank of Baroda
Page / section: Fees & Charges — Inspection charges
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Food Corporation of India collection charges100% waiver of Food Corporation of India collection charges in favour of the borrower.View source

The page states a 100% waiver of collection charges in favour of the borrower by Food Corporation of India.

Source: Construction Of Storage Structure Projects — Bank of Baroda
Page / section: Benefits; Fees & Charges — FCI collection charges
Accessed: 28 Sept 2026
Confidence: high

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Documents listedKYC documents such as Aadhaar, Voter ID, PAN Card or Driving Licence; passport-size photograph; land record; quotation/invoice, project report and income-tax returns, each if available.View source

The page lists documents, photo and land record, followed by quotation/invoice, project report and IT returns marked if available.

Source: Construction Of Storage Structure Projects — Bank of Baroda
Page / section: Document Required — all six bullets
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Term-loan or working-capital facilities for new scientific storage capacity such as godowns, dry warehouses, cold storage, cold chains, silos and market yards.

Eligibility

Individuals, groups of farmers or growers, and registered Farmer Producer Organisations are listed as eligible.
The page also lists proprietorship and partnership firms, companies and corporations; non-governmental organisations and self-help groups; autonomous government bodies; cooperatives and cooperative marketing federations; and state agencies, departments and state-owned or autonomous corporations, including Agricultural Produce Market Committees, marketing boards, warehousing corporations and state civil-supplies corporations.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

documents, such as Aadhaar, Voter , Card or Driving Licence
Passport-size photograph
Land record
Quotation or invoice, if available
Project report, if available
Income-tax returns, if available

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹12,945twelve thousand nine hundred forty-five rupees

Interest paid over the full loan₹6,06,850six lakh six thousand eight hundred fifty rupees

Everything you repay₹31,06,850thirty-one lakh six thousand eight hundred fifty rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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TableTerm

Projects · Published detailNew scientific storage capacity: godowns, dry warehouses, cold storage, cold chains, silos and market yards

This value is copied from Construction Of Storage Structure Projects — current published terms. Check the table notes before relying on it.

Source: Construction Of Storage Structure Projects — Bank of Baroda · Benefits; Features; Eligibility Criteria; Document Required; Fees & Charges; ; all and page notice Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 20 rows · 2 columnsConstruction Of Storage Structure Projects — current published termsAll decision-relevant project, promoter, finance, fee, repayment, security and document terms transcribed from the current official product page, with the page's storage-funding FAQ retained.View tableHide table

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Construction Of Storage Structure Projects — current published terms
Term	Published detail
Projects	New scientific storage capacity: godowns, dry warehouses, cold storage, cold chains, silos and market yards
Facilities	Term loan and working capital/cash credit
Eligible promoters	Individuals; groups of farmers/growers; registered Farmer Producer Organisations; proprietorship/partnership firms; companies/corporations; NGOs/; autonomous government bodies; cooperatives and marketing federations; state agencies/departments and state-owned/autonomous bodies including APMCs, marketing boards, warehousing corporations and civil-supplies corporations
Minimum loan	₹25 lakh
Maximum loan	₹100 crore
Project-cost funding	The page says finance can cover up to 75% of the project cost
Margin	25% of project cost
Overall period	Up to 15 years including a maximum moratorium of 2 years
Term-loan repayment	3 to 15 years, including up to 24 months moratorium; based on purpose, asset economic life and activity cash flow
Term-loan instalments	Monthly, quarterly, half-yearly or yearly, based on project requirements and work progress certified by an empanelled engineer and chartered accountant
Working-capital review	12 months with annual review
Security — hypothecation	Structure, equipment and machinery purchased or created with Bank finance
Security — mortgage and guarantee	Mortgage of fixed assets such as project land, building or shed; personal guarantee of proprietor, partners, promoters, directors or owner of property offered as security
Processing charges	Nil up to aggregate loan limit of ₹3 lakh; the page gives no higher-limit amount
Inspection charges	Nil up to aggregate loan limit of ₹3 lakh; the page gives no higher-limit amount
Collection charges	100% waiver of Food Corporation of India collection charges in favour of the borrower
Documents	documents (Aadhaar, Voter , Card, Driving Licence etc.); passport-size photo; land record; quotation/invoice if available; project report if available; IT returns if available
Rate scope	The page contains the eight-cell agricultural-godown rate matrix shown in the separate rate table. It is not generalized here to every cold-storage, cold-chain, silo or market-yard project
Page notice	The Bank says it may use agents in sales/marketing of its various products; the page does not identify a scheme-specific agent
Storage	Cold storage is described as supporting longer shelf life for agricultural produce

Construction Of Storage Structure Projects — Bank of Baroda · Benefits; Features; Eligibility Criteria; Document Required; Fees & Charges; ; all and page notice · accessed 28 Sept 2026Open official source ↗

Table 2 · 8 rows · 4 columnsAgricultural godown construction — spreads by rating and collateral coverageThe current scheme page and the current priority-sector schedule repeat this matrix. The named rate category is advances for construction of godowns designed to store agricultural produce/products, not all project types in the wider storage scheme.View tableHide table

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Agricultural godown construction — spreads by rating and collateral coverage
Schedule clause	Internal credit rating	Collateral-security coverage	Spread over + Strategic Premium
D.3 / D.9	CR1–CR3	Above 100%	+0.45%
D.3 / D.9	CR1–CR3	Above 75% to 100%	+0.60%
D.3 / D.9	CR1–CR3	50% to 75%	+0.85%
D.3 / D.9	CR1–CR3	25% to 50%	+1.10%
D.3 / D.9	CR4–CR6	Above 100%	+0.95%
D.3 / D.9	CR4–CR6	Above 75% to 100%	+1.10%
D.3 / D.9	CR4–CR6	50% to 75%	+1.75%
D.3 / D.9	CR4–CR6	25% to 50%	+2.25%

The D.3/D.9 text states + Strategic Premium + the listed spread; unlike several neighboring rows, it does not specify a one-year tenor. means Marginal Cost of Funds based Lending Rate.

Priority Sector Loans Interest Rates — Bank of Baroda · D.3 and repeated D.9 — advances for construction of godowns designed to store agricultural produce/products; compared with product rate table · accessed 28 Sept 2026Open official source ↗

Construction Of Storage Structure Projects

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

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