Bank-ready cold storage project report for Darbhanga, Bihar — with CMA data, DSCR ≥ 1.50 and 5-year projections for NABARD, CGTMSE, Stand-Up India.
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For entrepreneurs in Darbhanga, Bihar, setting up a cold storage facility (NIC 52102) is a strategic agri-infrastructure investment, especially given the region's high production of mango, litchi, and vegetables. A bank-ready project report (PR) is your gateway to loans of ₹50 lakh–5 Cr under NABARD, CGTMSE, or Stand-Up India. This report must include CMA data, DSCR calculations, and 5-year financial projections to satisfy lenders. It demonstrates technical feasibility (e.g., capacity, insulation, refrigeration), market demand (post-harvest losses in Bihar exceed 15%), and repayment capacity. A well-structured PR also helps you claim capital subsidy under NABARD's scheme (up to 35% in NE/Hilly states, but standard 25% for general areas) and lowers the risk of rejection. We provide a custom PR for Darbhanga, factoring in local electricity costs, seasonal crop cycles, and competition.
Any individual, partnership, LLP, or private limited company can apply. For MUDRA, loan cap is ₹10 lakh (not suitable for cold storage). For Stand-Up India, at least one SC/ST or woman promoter must hold 51% stake; loan range ₹10 lakh–1 Cr. CGTMSE covers collateral-free loans up to ₹2 Cr for micro/small enterprises. NABARD's scheme for cold storage (under Agri Infrastructure Fund) offers loans up to ₹5 Cr with 25% capital subsidy (back-ended). Key criteria: land ownership/lease (min 1 acre), technical feasibility, and positive net worth. In Darbhanga, priority is given to projects near NH-57 or major mandis to reduce logistics cost.
A typical 1000 MT cold storage in Darbhanga costs ₹2.5–3 Cr (land, building, refrigeration, insulation, electrical, backup power, and working capital). Land cost: ₹15–20 lakh/acre (agricultural land near Darbhanga). Refrigeration system (ammonia-based) ~₹60–70 lakh. Insulated panels and doors ~₹40 lakh. Electrical & DG set ~₹30 lakh. Margin money required: 15–25% of project cost. Bank finance: 75–85% as term loan. Subsidy (NABARD): 25% of project cost (max ₹1.25 Cr) disbursed after project completion. DSCR should be >1.5; typical repayment 7 years with 1-year moratorium.
1. Project report (with CMA, DSCR, 5-year projections). 2. Land documents: sale deed, mutation, khata, no-objection from local authority. 3. KYC of promoters (Aadhaar, PAN). 4. Business plan including market survey (list of nearby farmers, mandis, and expected rental income). 5. Quotations from suppliers for refrigeration, panels, etc. 6. Electricity load sanction from Bihar State Power (Holding) Co. Ltd. (minimum 50 kVA). 7. Pollution NOC (if applicable). 8. GST registration. 9. Caste certificate (if applying under Stand-Up India). 10. Projected balance sheet and income tax returns of promoters for last 2 years.
Every report is formatted to the exact standards required by Indian banks and government departments.
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Enter applicant details, select the scheme, set your loan amount.
Our AI drafts the full report with financials, projections, and CMA data in under 60 seconds.
Export PDF on the free plan (branded). Upgrade for clean exports plus Word (.docx) + Excel (.xlsx). Submit to bank or DIC office.
Localised for Darbhanga: addresses, NIC code 52102 and Bihar cost assumptions are pre-filled.
Scheme-ready for NABARD, CGTMSE, Stand-Up India — eligibility, subsidy and margin money handled automatically.
Bankable financials: P&L, Balance Sheet, Cash Flow, CMA data and DSCR ≥ 1.50, the way Darbhanga branches expect.
Editable & re-generatable — adjust loan amount, machinery or turnover and re-download instantly.
Word + Excel exports so your CA or the DIC office in Darbhanga can fine-tune figures.
Used by entrepreneurs, CAs and loan agents across East India.
Yes. The report follows RBI/IBA formatting with CMA data, DSCR and 5-year projections, and is accepted by SBI, PNB, Bank of Baroda, Canara Bank and other nationalised and private banks across Darbhanga and Bihar, as well as the local DIC office for subsidy schemes.
Most cold storage projects in Darbhanga fall in the ₹50 Lakh–5 Cr range. Under NABARD (agri capital subsidy) and other schemes like NABARD, CGTMSE, Stand-Up India, banks typically fund 75–90% of the project cost as term loan plus working capital, with the balance as promoter contribution.
For a cold storage, the most commonly used schemes are NABARD, CGTMSE, Stand-Up India. The report is configured to match whichever scheme you choose at generation time.
Aadhaar, PAN, address proof for Darbhanga, passport photos, quotations for machinery/equipment, Udyam (MSME) registration and bank statements. The project report itself is generated by Cred — you only attach your KYC and quotations.
Under 60 seconds. Fill the form, pick your scheme and loan amount, and the AI drafts the full report with Darbhanga-specific assumptions. The first report is free; clean Word/Excel/PDF exports are ₹499.
Yes. Every report is fully editable and exports to Word (.docx) and Excel (.xlsx), so your CA or consultant in Darbhanga can adjust projections, machinery costs or working capital before submitting to the bank.
NABARD provides a capital subsidy of 25% of the project cost, capped at ₹1.25 crore, under its Agri Infrastructure Fund. For example, a ₹3 crore project gets ₹75 lakh subsidy. The subsidy is back-ended, meaning you receive it after the project is commissioned and audited. Additional state subsidies may be available from Bihar's Agri Infrastructure Development Scheme.
Yes, under CGTMSE, loans up to ₹2 crore are collateral-free for micro and small enterprises. However, the bank may still require a personal guarantee. For loans above ₹2 crore, collateral is mandatory. Stand-Up India also offers collateral-free loans up to ₹1 crore for SC/ST or women entrepreneurs.
Banks usually require a Debt Service Coverage Ratio (DSCR) of at least 1.5. For cold storage, given seasonal income, a higher DSCR of 1.75–2.0 is preferred. Your project report should show realistic rental income (₹1.5–2.5 per kg per month) and capacity utilization (60–70% in first year).