Business, & agriculture finance

Warehouse Receipt Finance

finance against warehouse receipts from tied-up collateral managers, with 25%–35% margin, up to 12 months or receipt expiry, and nil fee up to ₹1 crore.

Facility amountMinimum ₹1 lakh; up to ₹2 crore for an individual, SHG or JLG; up to ₹10 crore for FPOs, cooperatives, PACS and agro-food units.Interest rateWarehouse-receipt pricing varies by receipt and tenor: e-NWR 6 months EBLR + 25 bps (8.15% indicative), e-NWR 12 months EBLR + 50 bps (8.40%), warehouse receipt by collateral manager 6 months EBLR + 40 bps (8.30%), and 12 months EBLR + 65 bps (8.55%). Indicative figures use the sheet's 7.90% EBLR reference before CRP/BSP.Customer typeTraders, owners of goods, processors and manufacturers holding eligible warehouse receipts

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✓ Manually checked 1 Sept 2026 · active

Offered byState Bank of India

India; warehouse receipts issued by eligible collateral managers/CWC/SWC

Key facts

What the official sources publish

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PurposeFinance traders, owners of goods, manufacturers and processors against warehouse receipts issued by tied-up collateral managersEffective 8 Feb 2024View source

Extending finance to traders/owners of goods/manufacturers/processors against Warehouse Receipts issued by Collateral Managers with whom we have tie-up.

Source: Warehouse Receipt Finance — official product page
Page / section: Purpose
Accessed: 1 Sept 2026
Confidence: high

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FacilitiesCash credit for limits of ₹1 crore and above, Working Capital Demand Loan and Revolving Demand LoanEffective 8 Feb 2024View source

Cash Credit facility (for limits of Rs.1 cr. and above) / Working Capital Demand Loan and Revolving Demand Loan.

Source: Warehouse Receipt Finance — official product page
Page / section: Features — Facilities Available
Accessed: 1 Sept 2026
Confidence: high

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Facility amountMinimum ₹1 lakh; up to ₹2 crore for an individual, SHG or JLG; up to ₹10 crore for FPOs, cooperatives, PACS and agro-food units.Effective 30 Apr 2025View source

Minimum Rs.1.00 Lakh; maximum ₹2.00 crores per individual borrower and ₹10.00 crores for /cooperative/PACS/agro-food units.

Source: Bouquet of Products and Services — Version 3.0 (Agriculture loan section)
Page / section: Printed page 35 / physical page 42 — Warehouse Receipt Financing
Accessed: 10 Sept 2026
Confidence: high

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Interest rateWarehouse-receipt pricing varies by receipt and tenor: e-NWR 6 months EBLR + 25 bps (8.15% indicative), e-NWR 12 months EBLR + 50 bps (8.40%), warehouse receipt by collateral manager 6 months EBLR + 40 bps (8.30%), and 12 months EBLR + 65 bps (8.55%). Indicative figures use the sheet's 7.90% EBLR reference before CRP/BSP.Effective 15 Aug 2026View source

The table lists e-NWR and collateral-manager warehouse-receipt rates separately for six- and twelve-month tenors.

Source: Agriculture Segment Interest Structure as on 15 August 2026
Page / section: Page 4 / product codes CROP 36–39 — warehouse receipt finance
Accessed: 6 Sept 2026
Confidence: high

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Borrower margin25% to 35% of market priceEffective 8 Feb 2024View source

Borrower's Margin / Contribution: 25% to 35% of market price.

Source: Warehouse Receipt Finance — official product page
Page / section: Features — Borrower's Margin / Contribution
Accessed: 1 Sept 2026
Confidence: high

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TenureMaximum 12 months, limited to one month before the commodity shelf life (for example, 11 months for a 12-month shelf life and 2 months for a 3-month shelf life).Effective 30 Apr 2025View source

Maximum term 12 months, subject to one month before shelf life; the booklet gives 11- and 2-month examples.

Source: Bouquet of Products and Services — Version 3.0 (Agriculture loan section)
Page / section: Printed page 35 / physical page 42 — Warehouse Receipt Financing
Accessed: 10 Sept 2026
Confidence: high

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Processing feeProcessing fee waived for e-NWRs and warehouse receipts issued by approved collateral managers.Effective 30 Apr 2025View source

Processing fee waived for E-NWRs and WHRs issued by Approved Collateral Managers.

Source: Bouquet of Products and Services — Version 3.0 (Agriculture loan section)
Page / section: Printed page 35 / physical page 42 — Warehouse Receipt Financing
Accessed: 10 Sept 2026
Confidence: high

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CollateralCollateral security waived for e-NWRs and warehouse receipts issued by approved collateral managers.Effective 30 Apr 2025View source

Collateral Security waived for E-NWRs and WHRs issued by Approved Collateral Managers.

Source: Bouquet of Products and Services — Version 3.0 (Agriculture loan section)
Page / section: Printed page 35 / physical page 42 — Warehouse Receipt Financing
Accessed: 10 Sept 2026
Confidence: high

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EligibilityBorrowers pledging receipts issued by WDRA-registered warehouses or approved collateral managersView source

The loan is given against receipts issued by WDRA warehouses or approved collateral managers.

Source: Bouquet of Products & Services
Page / section: Printed page 35 / physical page 42 — Warehouse Receipt Financing
Accessed: 4 Sept 2026
Confidence: high

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Published agriculture-product termsThe complete product panel and table are preserved in the shared agriculture booklet table bundle below; see each product row for amount, eligibility, purpose and tenure.View source

All remaining agriculture product panels are transcribed in the complete table bundle.

Source: Bouquet of Products & Services
Page / section: Printed pages 34–37 / physical pages 41–44
Accessed: 4 Sept 2026
Confidence: high

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Geographic limitsIndia; warehouse receipts issued by eligible collateral managers/CWC/SWCView source

The manually reviewed product record states: “India; warehouse receipts issued by eligible collateral managers/CWC/SWC”.

Source: Warehouse Receipt Finance — official product page
Page / section: Published product metadata
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Customer typeTraders, owners of goods, processors and manufacturers holding eligible warehouse receiptsView source

The manually reviewed product record states: “Traders, owners of goods, processors and manufacturers holding eligible warehouse receipts”.

Source: Warehouse Receipt Finance — official product page
Page / section: Published product metadata
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Cash credit for limits of ₹1 crore and above
Working Capital Demand Loan and Revolving Demand Loan options
25%–35% margin of market price
Nil processing fee up to ₹1 crore; simplified documentation

Eligibility

Traders/owners of goods, processors and manufacturers may borrow against eligible warehouse receipts issued by tied-up collateral managers, CWC or SWC.
Primary security is pledge/hypothecation of the underlying stock with lien in favour; personal guarantees may apply.

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

Documents the bank lists

Not published on the reviewed official product page; warehouse-receipt and collateral-manager conditions are stated but no checklist is enumerated.

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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₹21,145twenty-one thousand one hundred forty-five rupees

Interest paid over the full loan₹25,74,797twenty-five lakh seventy-four thousand seven hundred ninety-seven rupees

Everything you repay₹50,74,797fifty lakh seventy-four thousand seven hundred ninety-seven 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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Find the exact published value

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TableItem

Customer · Published termTraders, goods owners, processors and manufacturers with eligible warehouse receipts

This value is copied from Warehouse Receipt Finance — published terms. Check the table notes before relying on it.

Source: Warehouse Receipt Finance — official product page · Purpose, Features, Eligibility and Security Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsWarehouse Receipt Finance — published termsTerms published on SBI's official page.View tableHide table

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Warehouse Receipt Finance — published terms
Item	Published term
Customer	Traders, goods owners, processors and manufacturers with eligible warehouse receipts
Facilities	Cash credit for limits ₹1 crore and above; WCDL and revolving demand loan
Amount	Overall range not published; cash-credit limits start at ₹1 crore
Pricing	Rating/guideline based; page states repo + 2.65% for and 6-month for non-
Margin	25%–35% of market price
Repayment	Up to 12 months, receipt expiry or stock liquidation, whichever earlier
Processing	Nil up to ₹1 crore; above 0.1% p.a., capped ₹3 lakh
Security	Pledge/hypothecation of stock; personal guarantee where applicable

Last updated on the page: 8 February 2024. Eligible collateral managers listed include NBHC, Star Agri, Sohanlal Commodity Management, LTC Commercial Company and eNWR.

Warehouse Receipt Finance — official product page · Purpose, Features, Eligibility and Security · accessed 1 Sept 2026Open official source ↗

Table 2 · 12 rows · 4 columnsHistorical SBI agriculture product booklet — complete transcriptionHistorical transcription of every agriculture product panel and warehouse-receipt table from printed pages 34–37 (physical PDF pages 41–44); this is not a current product schedule. In particular, the booklet's ABAL overdraft row is superseded by SBI's current ABAL page, which describes an Agricultural Term Loan of ₹3,00,001–₹50 lakh. See the separate current ABAL terms table for live terms.View tableHide table

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Historical SBI agriculture product booklet — complete transcription
Product	Purpose / eligibility	Amount or limit	Tenure / margin / other published terms
Finance to Self Help Group ()	corpus-based finance; Panchasutras mandatory; social needs, debt swap, housing, toilets and sustainable livelihoods	Up to ₹20 lakh	No collateral margin up to ₹10 lakh; minimum 10% margin above ₹10 lakh
Svayam Siddha Initiative	Individual women members of mature credit-linked with and sponsored by SRLM/NRLM; 28 common /Agri- activities	Up to ₹10 lakh; simplified procedure up to ₹5 lakh	Other activities ₹80,000–₹10 lakh follow regular procedure; 2% interest subvention for prompt women borrowers on ₹1.50 lakh outstanding for max 3 years
Agriculture Infrastructure Fund ()	Farmers, agri entrepreneurs, start-ups, agencies/APMCs, cooperatives, PACS, , and ; post-harvest/processing/storage	Interest-subvention limit ₹2 crore	3% p.a. subvention for max 7 years; cover up to ₹2 crore; NABSanrakshan cover up to ₹2 crore for
Kisan Credit Card ()	Owner cultivators, tenant farmers, oral lessees, sharecroppers, and ; cultivation, post-harvest, household consumption, farm assets and allied activities	Need-based by crop, acreage and Scale of Finance; 10% annual step-up through year 5	Short crops 12 months; long crops 18 months; five-year validity subject to annual review; 3% prompt-repayment incentive
Animal Husbandry Infrastructure Development Fund ()	Dairy/meat processing and animal-feed manufacturing; , companies, individuals, Section 8 companies, and dairy cooperatives	Credit guarantee under up to ₹5 crore; NABSanrakshan up to ₹25 crore for	3% interest subvention for regular repayment, up to 8 years including moratorium; apply via Udyami Mitra
Warehouse Receipt Financing — Agri	Post-harvest finance against WDRA-registered warehouse receipts or approved collateral-manager receipts	Minimum ₹1 lakh; individuals// up to ₹2 crore; /cooperatives/PACS/agro-food units up to ₹10 crore	Maximum 12 months, but one month before commodity shelf life (12-month shelf life → 11-month term; 3-month shelf life → 2-month term); processing fee and collateral waived for e-NWR/approved-manager WHR
Asset Backed Agriculture Loan (ABAL)	Traditional, modern farm and farm-related activities; short-term production and investment credit	Maximum overdraft ₹2 crore per borrower	Loan secured by SARFAESI-compliant immovable property
Loan — Agri Allied Activities	Individuals, sole proprietorships, partnerships (excluding corporate bodies/institutions), and ; dairy, poultry, fisheries, sericulture, piggery, sheep/goat rearing, beekeeping and mushroom cultivation	Collateral-free loans up to ₹20 lakh; cover available	Overdraft and dropline overdraft facilities
Tractor Loan	Individual farmer with minimum 2-acre agricultural land holding; up to two co-applicants; tractor, accessories, insurance and registration	₹2 lakh–₹25 lakh	Term loan; up to 5 years with half-yearly instalments; 25% margin
Fishing / Processing	Composite fish culture, prawns/shrimp, boats and pond construction/deepening/widening/desilting; individuals, proprietorships, partnerships, , companies, cooperatives, /	₹2 lakh–₹50 crore	Maximum 7 years including 12-month moratorium
Poultry / Processing	Broiler, egg, pullet and breeder production; equipment, feed, medicines, sheds, borewells, insurance, expansion and mechanisation; farmers//, corporates, /, companies, partnerships and cooperatives	₹1 lakh–₹25 crore	Repayable in 120 months including 9-month moratorium
Dairy / Processing	Milch cattle, plant/machinery, sheds, land development, infrastructure and dairy processing; farmers, /, corporates, , partnerships and cooperatives	Not published in the panel	5 years for dairy farm; up to 10 years for processing; moratorium up to 3 months for dairy and 18 months for processing

Rows reproduce every product and numeric term shown on printed pages 34–37. Amounts, margins and periods are not inferred where the panel is silent.
Historical source only. The ABAL row's overdraft amount is superseded: current named ABAL page describes a ₹3,00,001–₹50 lakh Agricultural Term Loan. Do not present the booklet row as current ABAL terms.

Bouquet of Products & Services — Agriculture: Loan Products · Printed pages 34–37 / physical pages 41–44 · accessed 4 Sept 2026Open official source ↗

Table 3 · 14 rows · 5 columnsSBI agriculture products — current rate-sheet matchesProduct-code rows matched to the SBI Agriculture Segment Interest Structure. Indicative rates add the published spread to the PDF's current benchmark base and remain subject to the product's eligibility, risk, concession and subvention terms.View tableHide table

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SBI agriculture products — current rate-sheet matches
Product	product-code row	Benchmark and spread	Indicative rate using published base	Published qualification
Kisan Samriddhi Rin	45 KSR	1-year + 180 bps	10.50% p.a. (8.70% + 1.80%)	Before applicable concessions/other pricing terms
Agri & Food Enterprises Loan	2 / 23–24	; working-capital row + 200 bps	7.90% + + ; 9.90% before / for +200-bps row	Term-loan and working-capital rows differ
Agriculture Gold Loan	CROP 33 Gold Loan	1-year + 325 bps	11.95% p.a.	Before applicable subvention/concessions
PMFME	2 EB-TL-AGR- FME	+ 200 bps	9.90% before /	printed as 7.90% + +
Agriculture Infrastructure Fund	4 MC-ATL Agri Infra Fund	6-month + 100 bps	9.60% p.a.	Separate 3% interest-subvention terms preserved
Kisan Credit Card	MC-Revised	1-year + 325 bps	11.95% p.a.	7% subvention note appears for eligible bands
	3 EB-TL-AGR-	+ 200 bps	9.90% before /	Separate 3% subvention terms preserved
Warehouse Receipt Finance	CROP 36–39	+ 25/50/40/65 bps by receipt and tenor	8.15% / 8.40% / 8.30% / 8.55%	Six- and twelve-month variants
Tractor Loan	5 MC-New Tractor Loan	1-year + 435/400/360 bps by collateral	13.05% / 12.70% / 12.30%	Collateral value controls spread
Fishing / Processing	16 MC-ATL Fishing Processing	1-year + 360 bps	12.30% p.a.	Before applicable adjustments
Poultry / Processing	15 MC-ATL Poultry Processing	1-year + 200 bps	10.70% p.a.	Before applicable adjustments
Dairy / Processing	18–19	1-year + 360/40 bps	12.30% / 9.10%	Dairy and corporate-tie-up rows differ
Finance	48–49	1-year + 500 bps	13.70% p.a.	Tiered rows are also published
Svayam Siddha	50–51	+ 250 bps () / 1-year + 300 bps (agri)	10.40% / 11.70%	Activity determines formula

benchmark columns: 7.90% + + and as on 15.08.2026; 1-year 8.70% and 6-month 8.60%.
Indicative rates are arithmetic reference values, not a promise of sanction pricing.
Rows without an unambiguous canonical product match were not assigned to a product.

Agriculture Segment Interest Structure as on 15 August 2026 · All six pages; Agriculture Business — Interest Rates on Loans & Advances · effective 15 Aug 2026 · accessed 6 Sept 2026Open official source ↗

Table 4 · 13 rows · 4 columnsBusiness-loan panelsView tableHide table

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Business-loan panels
Product or variant	Published purpose / eligibility	Amount / rate / fee	Tenure / margin / security
Cash Credit (Working Capital)	Manufacturing, trade and services; limits assessed on audited financials/cash flow and projections	Competitive rating-linked interest; amount not published	Facility subject to bank policy
Term Loan	Manufacturing, trade and services acquiring fixed assets or expanding capacity	Competitive internal/external-rating-linked interest; amount not published	Collateral as per bank policy
e-DFS	Dealers/distributors recommended by an Industry Major	/6-month -linked; minimum 25% collateral security	Cash-credit inventory funding
e-VFS — vendor exposure	Vendors of reputed corporates; peak monthly sales plus 20% contingency	100% invoice funding; ₹10,000–₹30,000 unified charges; nil collateral	Clean cash credit; T-Bill-linked pricing; in-principle digital sanction up to ₹50 crore
e-VFS — Industry Major exposure	Corporate's peak monthly purchases; no individual vendor limit	100% invoice funding; no primary security; clean or security-backed by risk assessment	T-Bill-linked pricing; liberalised documentation
Export Finance	Exporters using EPC, FBP, , and Exporters Gold Card	Competitive/T-Bill-linked pricing; Interest Equalisation Scheme where eligible	Need-based limits based on export turnover/orders; collateral as per policy
Asset Backed Loan (Saral)	Loan against property	More than ₹10 lakh to ₹5 crore; 65% of realizable property value	180 months; no primary security envisaged
ABL	Loan against property	More than ₹5 crore to ₹20 crore; 60% of realizable property value	240 months; no primary security envisaged
Car Loan	Promoter/partner/director gross taxable income ₹3 lakh+; vehicle purchase	Up to ₹5 crore or 4× annual income, lower of the two	5 or 7 years; no collateral, vehicle hypothecation
Fleet Finance	Three years' experience; regular scheme requires 10-vehicle fleet	₹50 lakh–₹50 crore tie-up; ₹50 lakh–₹5 crore regular	72 months incl. 5-month moratorium tie-up; 60 months regular; regular
Healthcare Business Loan	Healthcare practitioners, hospitals, diagnostics, pharmacies and manufacturers	₹10 lakh–₹50 crore; cash credit capped at ₹5 crore	10 years incl. 18-month moratorium; 25% tangible collateral above ₹5 crore
Finance to Solar Vendors	Existing solar vendors/channel partners/sub-contractors registered with MNRE	More than ₹10 lakh to ₹5 crore; processing fee per extant card rates	Cash credit; no collateral; cover
EV Mitra	Existing/prospective and non- businesses setting up public/captive/battery-swapping stations	More than ₹10 lakh to ₹5 crore; minimum 25% borrower contribution	8 years incl. 9-month moratorium; processing fee per extant card rates; amenities capped at 25% of project cost or ₹100 lakh

Every row is transcribed from the rendered panels; an amount, fee or security rule is left unpublished when the panel is silent.

Bouquet of Products and Services — Version 3.0 (Business loan section) · Printed pages 29–31 / physical pages 36–38 · accessed 10 Sept 2026Open official source ↗

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Warehouse Receipt Finance

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

Asset Backed Agriculture Loan (ABAL)

ABL (Saral)

Agri Clinic and Agri Business Centres Loan

Agri & Food Enterprises Loan (AFEL)