For an Indian entrepreneur planning a warehouse business under NIC 52101, a bank-ready NABARD project report is essential to secure funding under the NABARD Warehouse Scheme. This scheme supports cold storage and godown projects with subsidies up to 35% for general and 50% for SC/ST entrepreneurs, subject to a maximum of ₹1.5 crore. The project cost typically ranges from ₹25 lakh to ₹2 crore, covering land, building, racking, and material handling equipment. A well-prepared report includes CMA data, DSCR (minimum 1.25), and 5-year financial projections (income, cash flow, balance sheet). It also details the subsidy application process, repayment schedule, and risk mitigation. Whether you are in Uttar Pradesh, Maharashtra, or any other state, this report must align with NABARD's guidelines and local market conditions to ensure loan approval from banks like SBI, PNB, or Canara Bank.
Eligibility for NABARD warehouse subsidy requires the applicant to be an individual, partnership, LLP, or private limited company. The project must be located in a rural or semi-urban area. Subsidy is 35% of the project cost for general category and 50% for SC/ST, capped at ₹1.5 crore. The subsidy is released in two installments: 50% after sanction and 50% after completion. The warehouse must have a minimum capacity of 100 MT for general storage or 50 MT for cold storage. NABARD also requires the warehouse to be registered under the Warehousing Development and Regulatory Authority (WDRA) for subsidy eligibility. Additionally, the beneficiary must contribute at least 10% of the project cost as margin money.
For a warehouse project costing ₹1 crore, the typical financing structure includes: promoter's contribution 10% (₹10 lakh), bank loan 55% (₹55 lakh), and subsidy 35% (₹35 lakh). The loan is repaid over 7-10 years at an interest rate of 10-12% p.a. The project cost break-up: land (if purchased) 15%, civil construction 40%, racking & material handling 25%, electrical & fire safety 10%, and contingency 10%. For a 500 MT warehouse, construction cost is approximately ₹1,200 per sq ft. The DSCR should be above 1.25, calculated based on net operating income and debt service. A sample projection: Year 1 revenue ₹25 lakh, expenses ₹15 lakh, net profit ₹10 lakh, debt service ₹8 lakh, DSCR 1.25.
To apply for a NABARD warehouse loan, you need: KYC documents (Aadhaar, PAN, address proof), business registration (GST, MSME Udyam, partnership deed or incorporation certificate), project report with CMA data, land documents (title deed, no-objection certificate from local authority), building plan approved by municipal or panchayat, quotations for equipment, and financial statements of the promoter (last 3 years if applicable). Additionally, a detailed project report (DPR) covering market analysis, technical feasibility, and financial projections is mandatory. For subsidy, submit the NABARD application form along with a project cost certificate from a chartered engineer. The bank will also require a CGTMSE cover if collateral is insufficient.
1. Prepare a detailed project report (DPR) with financials. 2. Approach a scheduled commercial bank or regional rural bank with the DPR. 3. Bank appraises the project and sanctions loan. 4. Submit subsidy application to NABARD through the bank. 5. NABARD releases 50% subsidy after sanction. 6. Commence construction; complete within 12 months. 7. Submit completion certificate and audited accounts to bank. 8. Bank inspects and submits utilization certificate to NABARD. 9. NABARD releases remaining 50% subsidy. 10. Loan repayment begins after moratorium period (usually 6-12 months). Ensure all documents are in order to avoid delays. For cold storage, additional approvals from APEDA or FSSAI may be needed.
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Project cost ₹25 Lakh–2 Cr, NIC 52101.
CMA, DSCR ≥ 1.50, 5-year projections.
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Yes — NABARD (agri capital subsidy) is commonly used for warehouse. 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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The maximum subsidy is ₹1.5 crore, which is 35% of the project cost for general category and 50% for SC/ST. For example, a ₹2 crore project gets ₹70 lakh subsidy for general (35%) but capped at ₹1.5 crore, so actual subsidy is ₹70 lakh. For SC/ST, it would be ₹1 crore (50% of ₹2 crore), but again capped at ₹1.5 crore, so full ₹1 crore is available.
Yes, loans up to ₹2 crore can be covered under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) without collateral. However, the bank may still require a personal guarantee. For loans above ₹2 crore, collateral is mandatory. NABARD subsidy does not require collateral, but the bank loan portion may need collateral if CGTMSE is not applied.
Typically, it takes 3-6 months from application to first installment release. The bank appraisal takes 1-2 months, NABARD processing 2-3 months, and then disbursement. Delays occur if documents are incomplete or if the project location is not approved. Ensure all WDRA registration and land documents are ready beforehand.
Key ratios: Debt Service Coverage Ratio (DSCR) minimum 1.25, Internal Rate of Return (IRR) above 12%, Net Present Value (NPV) positive, and Debt-Equity ratio not exceeding 3:1. The CMA data should show gross profit margin of at least 20% and net profit margin of 10%. Break-even point should be within 3 years.