Business, & agriculture finance

Warehouse Receipt Financing

Short-term demand finance against pledged agricultural produce in a warehouse: up to ₹50 lakh against warehouse receipts, or ₹75 lakh per borrower against NWR/e-NWR, for up to 12 months.

Farmer loan limitUp to ₹50 lakh against warehouse receipts; up to ₹75 lakh per borrower against NWR/e-NWR receipts.Interest rateOne-year MCLR + Strategic Premium + 0.25% for the D.4 farmer warehouse-receipt facility. D.4 lists farmer warehouse receipts up to ₹50 lakh and NWR/e-NWR receipts up to ₹75 lakh as grouped subclauses with one shared rate cell; the page does not show them as separate rate bands.Eligible borrowersIndividual farmers and farmer groups directly engaged in agriculture or allied activities, including SHGs, JLGs, groups of individual farmers, farmer proprietorships, corporate farmers, FPOs, partnership firms and farmer cooperatives.

Official product page ↗Compare category

✓ 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 receiptsIndividual farmers, SHGs, JLGs, groups of individual farmers, farmer proprietorships, corporate farmers, FPOs, partnerships and farmer cooperatives directly engaged in agriculture/allied activities. Physical state/central warehouse receipts, WDRA e-NWRs and eligible empanelled collateral-manager receipts are accepted; farmer borrowing is up to ₹50 lakh, or ₹75 lakh against NWR/e-NWR per borrower.View source

The official page lists borrower types, receipt types and farmer loan ceilings.

Source: Warehouse Receipt Financing
Page / section: Eligibility / Benefits
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Finance limitUp to ₹50 lakh against pledged/hypothecated agricultural produce; up to ₹75 lakh per borrower against NWR/e-NWR. Food and agro-processing units may have aggregate banking-system sanctioned limits up to ₹100 crore including the proposed warehouse-receipt limit.View source

The and publish the farmer limits and food/agro-processing aggregate limit.

Source: Warehouse Receipt Financing
Page / section: / — Quantum
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

SecurityPledge of agricultural commodity and duly discharged or lien-marked warehouse receipts.View source

The official states the commodity pledge and receipt-control requirements.

Source: Warehouse Receipt Financing
Page / section: — Security
Accessed: 23 Aug 2026
Confidence: high

Open official source ↗

Interest rateOne-year MCLR + Strategic Premium + 0.25% for the D.4 farmer warehouse-receipt facility. D.4 lists farmer warehouse receipts up to ₹50 lakh and NWR/e-NWR receipts up to ₹75 lakh as grouped subclauses with one shared rate cell; the page does not show them as separate rate bands.View source

The official schedule groups the ₹50 lakh and ₹75 lakh farmer receipt facilities under the D.4 rate.

Source: Priority Sector Loans Interest Rates — Bank of Baroda
Page / section: Interest Rate on Agriculture & Other Priority Sector Advances — D.4.1/D.4.2
Accessed: 27 Sept 2026
Confidence: high

Open official source ↗

Eligible borrowersIndividual farmers and farmer groups directly engaged in agriculture or allied activities, including SHGs, JLGs, groups of individual farmers, farmer proprietorships, corporate farmers, FPOs, partnership firms and farmer cooperatives.View source

The current page lists these farmer and farmer-organisation forms and requires direct engagement in agriculture or allied activities.

Source: Warehouse Receipt Financing — Bank of Baroda
Page / section: Eligibility Criteria
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Farmer loan limitUp to ₹50 lakh against warehouse receipts; up to ₹75 lakh per borrower against NWR/e-NWR receipts.View source

The eligibility sentence and state ₹50 lakh for warehouse receipts and ₹75 lakh per borrower for NWR/e-NWR; the shorthand 'Rs 50' omits the unit and is not used to alter those repeated complete statements.

Source: Warehouse Receipt Financing — Bank of Baroda
Page / section: Eligibility Criteria and — 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

The page identifies a demand loan for farmers and a cash-credit pledge facility for Food & Agro Processing Units.

Source: Warehouse Receipt Financing — Bank of Baroda
Page / section: Features and — Nature of Facility
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Eligible warehouse receiptsPhysical State/Central Warehouse Receipts; eNWRs from WDRA-identified NERL/CCRL repositories; receipts from Bank-empanelled collateral managers under tie-up only for Food & Agro Processing Units already enjoying Bank credit; and receipts from private registered warehouses/cold storage.View source

The page names the four receipt channels; it restricts tied-up collateral-manager receipts to Food & Agro Processing Units already enjoying Bank credit facilities.

Source: Warehouse Receipt Financing — Bank of Baroda
Page / section: Benefits — receipt types and collateral-manager scope
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Minimum marginMinimum 30%.View source

The table states a minimum margin of 30%.

Source: Warehouse Receipt Financing — Bank of Baroda
Page / section: — Margin
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Maximum periodMaximum 12 months.View source

The eligibility section limits the loan period to 12 months and states a maximum tenor of 12 months.

Source: Warehouse Receipt Financing — 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 a duly discharged warehouse receipt assigned to the Bank; an eNWR copy must be lien-marked in the Bank’s favour.View source

The security row requires pledge of the agricultural commodity and a discharged/lien-marked warehouse receipt; the document section specifies assignment or lien marking in the Bank’s favour.

Source: Warehouse Receipt Financing — Bank of Baroda
Page / section: — Security; Document Required
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Processing feeFresh demand loan: 1% of the sanctioned limit above ₹3 lakh, capped at ₹100 lakh. The Agriculture and Advances tariff states charges excluding GST; any scheme-specific agriculture charge takes precedence.View source

The Warehouse Receipt page says charges are as per Bank guidelines and identifies the farmer facility as a demand loan. The general agriculture schedule publishes above ₹3 lakh: DL/TL 1% of sanctioned limit, maximum ₹100 lakh; its note says scheme-specific charges remain in force and the schedule excludes .

Source: Service Charges — Bank of Baroda
Page / section: Agriculture and Advances — Processing Charges for Agriculture, Term Loan (Fresh): DL/TL row and scheme-specific charge note
Accessed: 28 Sept 2026
Confidence: medium

Open official source ↗

Inspection chargesAgricultural advances: above ₹3 lakh to ₹10 lakh ₹250; above ₹10 lakh to ₹1 crore ₹1,000; above ₹1 crore ₹5,000 plus actual conveyance and out-of-pocket expenses. The tariff excludes GST; scheme-specific agriculture charges take precedence.View source

The Bank’s general agriculture schedule lists the three inspection bands and additional actual expenses. Its note makes scheme-specific charges controlling where prescribed.

Source: Service Charges — Bank of Baroda
Page / section: Agriculture and Advances — Inspection charges for Agricultural Advances and scheme-specific charge note
Accessed: 28 Sept 2026
Confidence: medium

Open official source ↗

Required documentsDemand-loan application; 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 page lists the demand-loan application, , photo, land records, IT Return and the original receipt assigned to the Bank or lien-marked eNWR.

Source: Warehouse Receipt Financing — Bank of Baroda
Page / section: Document Required
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

How the loan is disbursedApply and obtain sanction at the nearest branch before the commodity-arrival season; deposit the commodity in the proposed warehouse and submit the e-WHR; the branch disburses after deducting the margin.View source

The gives the sequence: obtain sanction before arrival season, deposit the commodity and submit e-WHR, then receive disbursal net of margin.

Source: Warehouse Receipt Financing — Bank of Baroda
Page / section: — steps of warehouse receipt financing
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Physical warehouse receipts issued by State or Central warehouses are eligible.
Electronic Negotiable Warehouse Receipts from the WDRA-identified NERL and CCRL repositories are eligible.
Receipts issued by Bank-empanelled collateral managers under a tie-up are eligible only for regular or standalone financing limits to Food & Agro Processing Units already enjoying credit facilities with the Bank.
Receipts issued by private registered warehouses or cold storage are listed as eligible.

Eligibility

Farmers and the listed farmer groups, firms, and cooperatives must be directly engaged in agriculture or allied activities.
The page caps farmer advances at ₹50 lakh against warehouse receipts and ₹75 lakh per borrower against NWR/e-NWR receipts; the period cannot exceed 12 months.
The page also describes a cash-credit pledge facility for Food & Agro Processing Units; the related dedicated product page publishes its own terms and limit.

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

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

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₹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

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableSchedule clauseChoose column

D.4.1 · Farmer receipt routeAdvance against warehouse receipts

This value is copied from Farmer advances against warehouse receipts — rate and limits. 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.4.1/D.4.2 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 2 rows · 4 columnsFarmer advances against warehouse receipts — rate and limitsD.4 groups the farmer receipt routes under one displayed rate: ordinary warehouse receipts up to ₹50 lakh and NWR/e-NWR receipts up to ₹75 lakh. The same group-level rate is retained for both subclauses; the page does not label a different rate for the second route.View tableHide table

Scroll sideways to view every column

Farmer advances against warehouse receipts — rate and limits
Schedule clause	Farmer receipt route	Maximum limit	Rate
D.4.1	Advance against warehouse receipts	Up to ₹50 lakh	One-year + + 0.25%
D.4.2	Advance against NWR/e-NWR warehouse receipts	Up to ₹75 lakh	Shared D.4 rate: one-year + + 0.25%

NWR/e-NWR denotes negotiable warehouse receipt/electronic negotiable warehouse receipt; only the source's farmer route and its stated ceilings are transcribed here.

Priority Sector Loans Interest Rates — Bank of Baroda · Interest Rate on Agriculture & Other Priority Sector Advances — D.4.1/D.4.2 · accessed 27 Sept 2026Open official source ↗

Table 2 · 18 rows · 2 columnsWarehouse Receipt Financing — current published termsComplete borrower, receipt, facility, limit, margin, rate, fee, security, document and process terms from the current Bank of Baroda page and the referenced agriculture service-charge schedule.View tableHide table

Scroll sideways to view every column

Warehouse Receipt Financing — current published terms
Parameter	Published detail
Eligible farmer borrowers	Individual farmers, , , farmer groups, farmer proprietorships, corporate farmers, , partnership firms and farmer cooperatives directly engaged in agriculture/allied activities
Physical receipts	Warehouse Receipts issued by State/Central Warehouses
Electronic receipts	eNWRs from WDRA-identified NERL and CCRL repositories
Collateral-manager receipts	Eligible under Bank tie-up only for regular/standalone Food & Agro Processing Unit limits when the unit already enjoys Bank credit
Private storage receipts	Receipts from private registered warehouses/cold storage are listed as eligible
Farmer limit — WHR	Up to ₹50 lakh against warehouse receipts
Farmer limit — NWR/e-NWR	Up to ₹75 lakh per borrower
Separate Food/Agro unit limit	Aggregate sanctioned limits up to ₹100 crore from the entire banking system, including proposed WHR limit, as stated in the
Facility	Demand loan for farmers; cash-credit pledge for Food & Agro Processing Units
Minimum margin	30%
Rate	One-year + Strategic Premium + 0.25%; D.4 groups the ordinary-WHR and NWR/e-NWR farmer routes under the same displayed rate
Maximum period	12 months
Processing charge	Product page says charges are as per Bank guidelines. General Agriculture and Advances tariff: for a fresh demand loan above ₹3 lakh, 1% of sanctioned limit, maximum ₹100 lakh; charges exclude and any scheme-specific fee takes precedence
Inspection charge	Agricultural-advance tariff: above ₹3 lakh–₹10 lakh ₹250; above ₹10 lakh–₹1 crore ₹1,000; above ₹1 crore ₹5,000 plus actual conveyance/out-of-pocket expenses; excludes and scheme-specific charges take precedence
Security	Pledge of agricultural commodity and duly discharged receipt assigned to Bank; eNWR copy lien-marked to Bank
Documents	Demand-loan application; (Aadhaar, Voter , Card or Driving Licence); passport photo; land records; IT Return; original receipt assigned to Bank or lien-marked eNWR copy
Disbursement steps	Apply and obtain sanction at nearest branch before commodity-arrival season; deposit commodity in proposed warehouse and submit e-WHR; branch disburses after deducting margin
Page notice	Bank may use agents in sales/marketing of its products

Warehouse Receipt Financing and linked Bank of Baroda schedules · Benefits / Eligibility / Features / Documents / Fees / / ; Agriculture and Advances service charges; priority-sector D.4 · accessed 28 Sept 2026Open official source ↗

Warehouse Receipt Financing

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

Animal Husbandry Infrastructure Development fund (AHIDF)

Baroda Animal Husbandry and Fisheries Kisan Credit Card (BAHFKCC) Scheme

Baroda Arogyadham Loan

Baroda Artisans Credit Card