IndiaBanks.org · independent research

Personal, home, vehicle & other loans

IB Produce Marketing Loan — Loan Against eNWRs

Demand-loan or working-capital finance against electronic Negotiable Warehouse Receipts issued by an approved e-repository.

Maximum amount₹1 lakh minimum and ₹75 lakh maximum per borrower.TenureWithin the approved commodity period and shelf-life, subject to a maximum of 12 months.Loan typeDemand loan (term loan or working capital) against electronic Negotiable Warehouse Receipts.
Official product page ↗Compare category

Quick eligibility check

IB Produce Marketing Loan — Loan Against eNWRs

0 of 9 answered

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: eligibility depends on farmer-producer status, own harvested produce and eNWR conditions?

Published source: Minimum income

2Do you meet this requirement: Farmers who own the harvested produce, are from the warehouse hinterland, do not store speculatively, have no duplicate finance on the produce and pledge an eNWR?

Published source: Eligibility

3Do you meet this requirement: an existing crop loan is adjusted from proceeds?

Published source: Eligibility

4Are you this type of customer: Duly filled application and a copy of the pledged storage receipt endorsed in favour of the bank, plus farmer and produce records requested for appraisal?

Published source: Required documents

5Are you this type of customer: All farmers are eligible, but the farmer-producer must be from the warehouse/cold-storage hinterland and must not store produce for hoarding or speculation?

6Document checkDo you have this required document or proof: Duly filled application form?

Published source: Required documents

7Document checkDo you have this required document or proof: Electronic warehouse receipt endorsed in favour of Indian Bank?

Published source: Required documents

8Document checkDo you have this required document or proof: Farmer and produce ownership/harvest records?

Published source: Required documents

9Document checkDo you have at least one of these required documents: Crop-loan closure or adjustment evidence where applicable?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

India

Key facts

What the official sources publish

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

Loan typeDemand loan (term loan or working capital) against electronic Negotiable Warehouse Receipts.View source
The official page lists demand loan, term loan and working capital facilities.
Source
IB Produce Marketing Loan — eNWRs
Page / section
Type Of Facility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published; eligibility depends on farmer-producer status, own harvested produce and eNWR conditions.View source
The page sets farmer and produce conditions rather than a salary floor.
Source
IB Produce Marketing eligibility review
Page / section
Eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹1 lakh minimum and ₹75 lakh maximum per borrower.View source
The official quantum row publishes ₹1 lakh minimum and ₹75 lakh maximum per borrower.
Source
IB Produce Marketing quantum
Page / section
Quantum of Finance
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureWithin the approved commodity period and shelf-life, subject to a maximum of 12 months.View source
The official repayment row sets a maximum of 12 months and the commodity's perishability.
Source
IB Produce Marketing repayment
Page / section
Repayment Period
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityFarmers who own the harvested produce, are from the warehouse hinterland, do not store speculatively, have no duplicate finance on the produce and pledge an eNWR; an existing crop loan is adjusted from proceeds.View source
The official numbered eligibility conditions define farmer, produce, warehouse and existing-loan rules.
Source
IB Produce Marketing eligibility
Page / section
Eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsDuly filled application and a copy of the pledged storage receipt endorsed in favour of the bank, plus farmer and produce records requested for appraisal.View source
The official document list requires the application and endorsed storage receipt.
Source
IB Produce Marketing documentation
Page / section
Documents Required
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹1 lakh minimum and ₹75 lakh maximum per borrower
  • Available as demand loan, term loan or working capital
  • Repayment within commodity shelf-life and no more than 12 months
  • Farmers may qualify whether or not they have taken a crop loan
  • eNWR-backed funding helps avoid distress sale of harvested produce

Eligibility

  • All farmers are eligible, but the farmer-producer must be from the warehouse/cold-storage hinterland and must not store produce for hoarding or speculation.
  • The produce must have been harvested by the applicant in that season and be free of another financial institution's charge; where a crop loan exists, proceeds are used to repay it.
  • The pledged receipt must be issued by an approved National e-Repository (NERL) and endorsed in the bank's favour.

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

Documents the bank lists

  • Duly filled application form
  • Electronic warehouse receipt endorsed in favour of Indian Bank
  • Farmer and produce ownership/harvest records
  • Crop-loan closure or adjustment evidence where applicable

Related official documents

IB Produce Marketing Loan — Loan Against eNWRs — Indian Bank official product pageofficial-product-page · current · accessed 31 Aug 2026
↗

Plan before applying

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.

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.

Facility · Published detailDemand loan (term loan and working capital).

This value is copied from IB Produce Marketing Loan against eNWRs — published terms. Check the table notes before relying on it.

Source: IB Produce Marketing Loan — Loan Against eNWRs · Complete product criteria Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 7 rows · 2 columnsIB Produce Marketing Loan against eNWRs — published termsCurrent Indian Bank eNWR-backed produce marketing loan terms.View tableHide table

Scroll sideways to view every column

IB Produce Marketing Loan against eNWRs — published terms
ParameterPublished detail
FacilityDemand loan (term loan and working capital).
EligibilityFarmer-producers from warehouse hinterland; own harvested produce; no speculative storage or duplicate finance.
Quantum₹1 lakh minimum to ₹75 lakh maximum per borrower.
RepaymentWithin approved commodity period and shelf-life; maximum 12 months.
RateRefer current Indian Bank Lending Rates link; no percentage on page.
Security/documenteNWR/storage receipt endorsed in favour of the bank.
FeesNo product-specific processing fee published.
IB Produce Marketing Loan — Loan Against eNWRs · Complete product criteria · accessed 31 Aug 2026Open official source ↗

More from Indian Bank

Related products

Agri Clinic and Agri Business Centres (ACABC)

Term finance for trained agriculture professionals establishing advisory, input, custom-hiring, animal-care, post-harvest and other agri-business ventures, with credit-linked subsidy.

View product

Agricultural Godowns / Cold Storage

Term-loan and working-capital finance for new or expanded agricultural godowns, cold stores, market yards and silos.

View product

Purchase of Drones for Agricultural Purpose

Farm-machinery finance for agricultural drones used for spraying, anti-locust treatment, fertiliser application and farmland mapping, including custom-hiring finance.

View product

Compressed Bio Gas Plant Financing under SATAT

Project, working-capital and non-fund finance for compressed bio-gas plants under SATAT, with a 2-tonne-per-day minimum design capacity and published margin, tenor and security bands.

View product