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Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans

Demand loans to eligible farmers and cash-credit pledge finance for Food & Agro Processing Units against warehouse/storage receipts; the page states a farmer ceiling of ₹75 lakh and an aggregate banking-system limit of ₹100 crore for processing units.

Published limits by borrower typeFarmers: up to ₹75 lakh against pledged/hypothecated agricultural produce, including warehouse receipts, for up to 12 months. Food & Agro Processing Units: aggregate sanctioned limit up to ₹100 crore across the entire banking system, including the proposed warehouse-receipt limit.Interest rateFor Food and Agro Processing Units financed against warehouse receipts, including NWR/e-NWR, the rate is one-year MCLR + Strategic Premium + 0.25%. The page states that no further concession is to be allowed.Eligible borrowersIndividual farmers, SHGs, JLGs, farmer proprietorships, corporate farmers, FPOs/companies of individual farmers, partnership firms and farmer cooperatives directly engaged in agriculture/allied activities; Food and Agro Processing Units within the published aggregate banking-system limit.
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Quick eligibility check

Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans

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Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you this type of customer: Farmers, SHGs, JLGs, farmer proprietorships, corporate farmers, FPOs/companies of individual farmers, partnerships and farmer cooperatives directly engaged in agriculture/allied activities can borrow up to ₹75 lakh against pledged or hypothecated produce for up to 12 months?

Published source: Eligible borrowers and receipts

2Do you meet this requirement: Food and agro-processing units may have aggregate banking-system limits up to ₹100 crore?

Published source: Eligible borrowers and receipts

3Do you meet this product condition: Eligible receipts include government warehouse receipts, WDRA E-NWRs from NERL/CCRL, empanelled collateral-manager receipts and approved private warehouse/cold-storage receipts?

Published source: Eligible borrowers and receipts

4Are you this type of customer: Individual farmers, SHGs, JLGs, farmer proprietorships, corporate farmers, FPOs/companies of individual farmers, partnership firms and farmer cooperatives directly engaged in agriculture/allied activities?

Published source: Eligible borrowers

5Do you meet this requirement: Food and Agro Processing Units within the published aggregate banking-system limit?

Published source: Eligible borrowers

6Document checkDo you have this required document or proof: Application form for a demand loan against a pledged warehouse receipt?

Published source: Required documents

7Document checkDo you have at least one of these required documents: KYC documents such as Aadhaar, Voter ID, PAN Card or Driving Licence?

Published source: Required documents

8Document checkDo you have this required document or proof: Passport-size photograph?

Published source: Required documents

9Document checkDo you have this required document or proof: Land records?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ 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

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Eligible borrowers and receiptsFarmers, SHGs, JLGs, farmer proprietorships, corporate farmers, FPOs/companies of individual farmers, partnerships and farmer cooperatives directly engaged in agriculture/allied activities can borrow up to ₹75 lakh against pledged or hypothecated produce for up to 12 months. Food and agro-processing units may have aggregate banking-system limits up to ₹100 crore. Eligible receipts include government warehouse receipts, WDRA E-NWRs from NERL/CCRL, empanelled collateral-manager receipts and approved private warehouse/cold-storage receipts.View source
The official page publishes borrower, receipt and aggregate-limit conditions.
Source
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans
Page / section
Eligibility / Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Processing chargesUp to ₹50 lakh: ₹1,000. Above ₹50 lakh to ₹10 crore: ₹25 per lakh or part, capped at ₹20,000. Above ₹10 crore: ₹20 per lakh or part, capped at ₹50,000. Inspection is nil up to ₹3 lakh; FCI cheque collection charges are fully waived.View source
The official fees section publishes processing slabs, nil inspection and the FCI collection waiver.
Source
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans
Page / section
Benefits / Fees & Charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Interest rateFor Food and Agro Processing Units financed against warehouse receipts, including NWR/e-NWR, the rate is one-year MCLR + Strategic Premium + 0.25%. The page states that no further concession is to be allowed.View source
The D.5 row gives the -plus- spread for Food and Agro Processing Unit warehouse-receipt advances and disallows further concession.
Source
Priority Sector Loans Interest Rates — Bank of Baroda
Page / section
Interest Rate on Agriculture & Other Priority Sector Advances — D.5 and attached no-further-concession note
Accessed
27 Sept 2026
Confidence
high
Open official source ↗
Eligible borrowersIndividual farmers, SHGs, JLGs, farmer proprietorships, corporate farmers, FPOs/companies of individual farmers, partnership firms and farmer cooperatives directly engaged in agriculture/allied activities; Food and Agro Processing Units within the published aggregate banking-system limit.View source
The page lists farmer and farmer-organisation types directly engaged in agriculture/allied activities, plus Food and Agro Processing Units whose aggregate banking-system sanctioned limit is within the stated ceiling.
Source
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans — Bank of Baroda
Page / section
Eligibility Criteria
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Published limits by borrower typeFarmers: up to ₹75 lakh against pledged/hypothecated agricultural produce, including warehouse receipts, for up to 12 months. Food & Agro Processing Units: aggregate sanctioned limit up to ₹100 crore across the entire banking system, including the proposed warehouse-receipt limit.View source
The current F&A page says farmers may borrow up to ₹75 lakh against produce including receipts and units may have aggregate sanctioned limits up to ₹100 crore from the entire banking system. The separate Warehouse Receipt Financing page publishes ₹50 lakh against ordinary WHRs and ₹75 lakh against NWR/e-NWR; Bank has not explained the page-scope difference.
Source
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans — Bank of Baroda
Page / section
Benefits — maximum amount; Eligibility Criteria; — Quantum of Loan
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
FacilityDemand loan for farmers; cash-credit pledge facility for Food & Agro Processing Units.View source
names demand loan for farmers and cash-credit pledge for Food & Agro Processing Units.
Source
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans — Bank of Baroda
Page / section
— Nature of Facility
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Eligible receiptsPhysical State/Central Warehouse Receipts; eNWRs issued by WDRA-identified NERL/CCRL repositories; tied-up collateral-manager receipts only for regular or standalone Food & Agro Processing Unit limits when the unit already has Bank credit; and private registered warehouse/cold-storage receipts approved by the concerned Zonal Head.View source
The page lists each receipt type and qualifies tied-up collateral-manager and private-warehouse/cold-storage receipts with the stated bank-credit/Zonal Head conditions.
Source
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans — Bank of Baroda
Page / section
Features — eligible warehouse/storage receipts
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Minimum marginMinimum 30%.View source
states minimum margin of 30%.
Source
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans — Bank of Baroda
Page / section
— Margin
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Maximum periodMaximum 12 months.View source
The eligibility and sections limit the period to 12 months.
Source
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans — Bank of Baroda
Page / section
Eligibility Criteria and — Tenor of Loan
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
SecurityPledge of the agricultural commodity and duly discharged or lien-marked warehouse receipt in the Bank’s favour.View source
states security is pledge of agricultural commodity and duly discharged/lien-marked warehouse receipts.
Source
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans — Bank of Baroda
Page / section
— Security
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Processing chargesUp to ₹50 lakh: ₹1,000. Above ₹50 lakh to ₹10 crore: ₹25 per lakh, capped at ₹20,000. Above ₹10 crore: ₹20 per lakh, capped at ₹50,000.View source
The page publishes ₹1,000 up to ₹50 lakh; ₹25/lakh above ₹50 lakh up to ₹10 crore, maximum ₹20,000; and ₹20/lakh above ₹10 crore, maximum ₹50,000. No wording is added because this fee section does not state it.
Source
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans — Bank of Baroda
Page / section
Fees & Charges and — Processing Charges
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Inspection chargeNil for aggregate loan up to ₹3 lakh.View source
The page states nil inspection charges for aggregate loan up to ₹3 lakh. A separate generic agricultural inspection schedule exists, but the product page does not define whether or how its higher bands apply to this specific scheme; those bands are not transferred here.
Source
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans — Bank of Baroda
Page / section
Fees & Charges — Inspection charges
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
FCI cheque collection charges100% waiver of collection charges on cheques issued in favour of the borrower by Food Corporation of India (FCI).View source
The benefits section explicitly states a 100% waiver for collection of cheques issued in favour of the borrower by FCI.
Source
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans — Bank of Baroda
Page / section
Benefits — Collection Charges
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Required documentsDemand-loan application against warehouse-receipt pledge; KYC documents (Aadhaar, Voter ID, PAN Card or Driving Licence); passport-size photograph; land records; Income-tax Return; and original warehouse receipt discharged and assigned to the Bank or eNWR copy lien-marked to the Bank.View source
The F&A page lists application, , photograph, land records and IT Return; the linked Warehouse Receipt page specifies assignment of the original receipt or lien-marking of the eNWR.
Source
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans — Bank of Baroda
Page / section
Document Required; cross-page Warehouse Receipt Financing receipt-document requirement
Accessed
28 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • The page publishes farmer finance up to ₹75 lakh against pledged/hypothecated produce, including warehouse receipts, for up to 12 months.
  • Food and Agro Processing Units may have aggregate sanctioned banking-system limits up to ₹100 crore, including the proposed warehouse-receipt limit.
  • FCI cheque-collection charges on cheques issued in favour of the borrower are waived in full.
  • Eligible receipts include physical State/Central Warehouse Receipts and eNWRs from the WDRA-identified NERL and CCRL repositories.

Eligibility

  • Farmer applicants and farmer organisations must be directly engaged in agriculture or allied activities; the page states a farmer ceiling of ₹75 lakh and a maximum period of 12 months.
  • Food and Agro Processing Units must have aggregate sanctioned limits up to ₹100 crore from the entire banking system.
  • Private registered warehouse/cold-storage receipts require approval by the concerned Zonal Head. Collateral-manager receipts are limited to the published tie-up route for Food & Agro Processing Units already enjoying Bank credit facilities.

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

Documents the bank lists

  • Application form for a demand loan against a pledged warehouse receipt
  • documents such as Aadhaar, Voter , Card or Driving Licence
  • Passport-size photograph
  • Land records
  • Income-tax Return
  • Original warehouse receipt, duly discharged and assigned in the Bank’s favour; for eNWR, a copy duly lien-marked in the Bank’s favour

Related official documents

Rural & Agri loan catalogue — Financing Irrigation entryofficial-product-catalogue · Targeted eligibility cross-check for Financing Irrigation · accessed 28 Sept 2026
↗
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans — official pageofficial-product-page · current · accessed 30 Aug 2026
↗
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans — current official pageofficial-product-page · Current product-page review complete; linked forms and image bytes remain inaccessible. · accessed 28 Sept 2026
↗
Priority Sector Loans Interest Rates — Farm Credit A.1 schedule and scope footnoteofficial-interest-rate-page · Targeted current A.1 comparison; product-page rate rows remain primary and tariff scope is explicitly qualified · accessed 28 Sept 2026
↗
Warehouse Receipt Financing — current official product pageofficial-product-page · Current product-page review complete; linked forms and image bytes remain inaccessible. · accessed 28 Sept 2026
↗

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Loan repayment estimate

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One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine 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.

Use the published table

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D.5 · FacilityAdvance against warehouse receipts including NWR/e-NWR for Food and Agro Processing Units

This value is copied from Food and Agro Processing Unit warehouse-receipt advance — rate. Check the table notes before relying on it.

Source: Priority Sector Loans Interest Rates — Bank of Baroda · Interest Rate on Agriculture & Other Priority Sector Advances — D.5 and adjacent qualifier Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 1 row · 4 columnsFood and Agro Processing Unit warehouse-receipt advance — rateThe official table gives this named special-category rate and an explicit no-further-concession qualifier.View tableHide table

Scroll sideways to view every column

Food and Agro Processing Unit warehouse-receipt advance — rate
Schedule clauseFacilityRateCondition
D.5Advance against warehouse receipts including NWR/e-NWR for Food and Agro Processing UnitsOne-year + + 0.25%No further concession is to be allowed
Priority Sector Loans Interest Rates — Bank of Baroda · Interest Rate on Agriculture & Other Priority Sector Advances — D.5 and adjacent qualifier · accessed 27 Sept 2026Open official source ↗
Table 2 · 16 rows · 2 columnsFood and Agro Warehouse-Receipt Facility — current published termsComplete current borrower-specific receipt, amount, facility, rate, margin, fee, security and document terms from the named Food and Agro product page; the farmer cap remains flagged as inconsistent with the separate Warehouse Receipt page.View tableHide table

Scroll sideways to view every column

Food and Agro Warehouse-Receipt Facility — current published terms
ParameterPublished detail
Farmer routeFarmers, , , farmer proprietorships, corporate farmers, /companies of individual farmers, partnership firms and farmer cooperatives directly engaged in agriculture/allied activities
Farmer amount and periodUp to ₹75 lakh against pledged/hypothecated agricultural produce, including warehouse receipts; maximum 12 months
Food/Agro unit limitAggregate sanctioned limits up to ₹100 crore across the entire banking system, including the proposed WHR limit
Receipt typesPhysical State/Central receipts; WDRA eNWR from NERL/CCRL; tied-up collateral-manager receipts for Food/Agro Processing Units already enjoying Bank credit; private registered warehouse/cold-storage receipts approved by concerned Zonal Head
FacilityDemand loan for farmers; cash-credit pledge for Food & Agro Processing Units
Minimum margin30%
RateOne-year + Strategic Premium + 0.25%; D.5 says no further concession is allowed
Maximum period12 months
Processing — up to ₹50 lakh₹1,000
Processing — above ₹50 lakh to ₹10 crore₹25 per lakh, maximum ₹20,000
Processing — above ₹10 crore₹20 per lakh, maximum ₹50,000
InspectionNil for aggregate loan up to ₹3 lakh
FCI cheque collection100% waiver of collection charges on cheques issued in favour of the borrower by Food Corporation of India
SecurityPledge of agricultural commodity and duly discharged/lien-marked warehouse receipts
DocumentsDemand-loan application; (Aadhaar, Voter , Card or Driving Licence); passport photo; land records; IT Return; original receipt assigned to Bank or lien-marked eNWR copy, as specified on the linked Warehouse Receipt page
Page noticeBank may use agents in sales/marketing of its products
Credit Facility for Food and Agro Business with Warehouse/Storage Receipts Loans and linked Bank of Baroda schedules · Benefits / Features / Eligibility / Documents / Fees / ; related Warehouse Receipt page; priority-sector D.5 · accessed 28 Sept 2026Open official source ↗

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