Setting up a cold storage unit under NABARD’s refinance scheme is a capital-intensive venture, requiring a bank-ready project report that covers every detail lenders demand. For a project cost between ₹50 lakh and ₹5 crore, your report must include CMA data, DSCR calculations, and 5-year financial projections. This page provides a complete NABARD cold storage project report format, subsidy eligibility under the Agri Infrastructure Fund (AIF), and practical tips for Indian entrepreneurs and CAs. Whether you’re in Punjab building a potato cold store or in Maharashtra for onions, a robust report is your key to loan approval and maximum subsidy.
NABARD’s Agri Infrastructure Fund (AIF) offers a 3% interest subvention on loans up to ₹2 crore for cold storage projects. Additionally, the government provides a capital subsidy of 25% (up to ₹50 lakh) for eligible units. To qualify, your project must be a new cold storage or expansion of an existing one, with a minimum capacity of 5,000 MT. The applicant can be an individual farmer, FPO, cooperative, or private company. The project must be located in a notified agri-horticultural area. Ensure your project report includes a feasibility study, market analysis for the produce (e.g., potatoes, apples, or flowers), and a clear repayment plan. The subsidy is released after the project is commissioned and inspected by NABARD.
For a cold storage project costing ₹1 crore, the typical financing structure is: 25% margin money (₹25 lakh) from the borrower, and 75% (₹75 lakh) as a term loan from a bank. The subsidy under AIF can cover up to 25% of the project cost, effectively reducing your margin. Key cost components include: land (₹10–15 lakh), civil construction (₹30–40 lakh), refrigeration equipment (₹25–35 lakh), electrical and insulation (₹10–15 lakh), and contingency (5%). Your project report must detail these with quotes from suppliers. Also include working capital for the first 6 months (₹10–15 lakh) for electricity, labour, and maintenance. The loan repayment period is 7–10 years with a moratorium of 1–2 years.
A complete project report should include: 1) Land documents (title deed, sale deed, no-objection certificate for agri use). 2) Detailed project report with technical specs (layout, insulation details, refrigeration load calculation). 3) Quotations from machinery suppliers (e.g., for compressors, evaporators). 4) CMA data for the last 3 years if existing business, or projected CMA for new units. 5) 5-year financial projections (P&L, balance sheet, cash flow, DSCR). 6) Proof of subsidy eligibility (AIF registration). 7) KYC documents of promoters. 8) MOA/partnership deed if company. 9) Market study report showing demand for cold storage in your area. 10) Environmental clearance if required. Ensure all documents are self-attested and arranged in a file with index.
Every report is formatted to the exact standards required by Indian banks and government departments.
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NABARD format + cold storage economics combined correctly.
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Project cost ₹50 Lakh–5 Cr, NIC 52102.
CMA, DSCR ≥ 1.50, 5-year projections.
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Yes — NABARD (agri capital subsidy) is commonly used for cold storage. The report is formatted to NABARD requirements with subsidy/margin money shown.
agri capital subsidy — computed automatically in the means-of-finance and subsidy sections.
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Under the Agri Infrastructure Fund (AIF), you can get a 3% interest subvention on loans up to ₹2 crore, plus a capital subsidy of 25% of the project cost (max ₹50 lakh). The subsidy is back-ended, meaning you get it after project completion and inspection.
DSCR = (Net Profit + Depreciation + Interest) / (Principal Repayment + Interest). For cold storage, lenders expect DSCR above 1.5. Use your 5-year projections: estimate revenue based on 70% occupancy, rental income per pallet (₹150-₹250/month), and operating costs (electricity 30%, labour 15%, maintenance 10%).
Yes, NABARD refinances loans for projects as low as ₹50 lakh. For a 1000 MT unit, the project cost is around ₹1.5–2 crore. You need to submit a project report with technical feasibility and market demand. Smaller units often qualify for the MUDRA scheme if under ₹10 lakh, but for ₹50 lakh+, NABARD is the right route.
Term loans for cold storage under NABARD are offered for 7–10 years, including a moratorium of 1–2 years. The moratorium helps during the initial period when the unit is being commissioned and occupancy is built up. Interest rates are around 9–11% per annum, reduced by 3% under AIF subsidy.