For an entrepreneur in India planning a cold storage facility with a project cost of ₹15 Lakh, a bank-ready project report is essential to secure a term loan. This report includes detailed CMA data, debt service coverage ratio (DSCR) calculations, and 5-year financial projections. The project typically involves a promoter margin of ₹1.5 Lakh (10%) and a term loan of ₹13.5 Lakh, with an EMI of approximately ₹23,115 per month at 11% interest over 7 years. The NIC code 52102 applies. Eligible schemes include NABARD refinance, CGTMSE collateral-free coverage, and Stand-Up India for women/SC/ST entrepreneurs. This page provides specific guidance on eligibility, project cost, subsidy options, and step-by-step loan application for a ₹15 Lakh cold storage project.
Any Indian citizen above 18 years with a viable cold storage project can apply. For Stand-Up India, the borrower must be a woman or SC/ST entrepreneur. CGTMSE covers up to ₹2 crore without collateral, making it ideal for ₹13.5 Lakh loans. NABARD offers refinance to banks for cold storage under its credit facility for agri-infrastructure. PM-KUSUM may also apply if solar power is used. No prior experience is mandatory, but a business plan with market analysis (e.g., local fruit/vegetable demand) strengthens the application.
Total project cost: ₹15 Lakh. Promoter contribution: ₹1.5 Lakh (10%). Bank term loan: ₹13.5 Lakh. Typical components: insulated panels (₹4-5 Lakh), refrigeration unit (₹3-4 Lakh), electrical & installation (₹2-3 Lakh), land preparation/shed (₹2-3 Lakh), and contingency (₹1 Lakh). Loan tenure: 5-7 years. Interest rate: 10-12% p.a. (MCLR + spread). EMI at 11% for 7 years: ₹23,115/month. DSCR should be above 1.25; 5-year projections show net profit after tax of ₹2-3 Lakh annually.
Documents: KYC (Aadhaar, PAN), business plan, project report, land documents (lease/sale deed), quotations for machinery, CMA data, bank statements (6 months), and income tax returns (3 years). For subsidy: Under PMEGP, margin money subsidy of 25% (₹37,500) for general category, 35% (₹52,500) for SC/ST/women. Apply online at pmegp.gov.in. NABARD subsidy not direct; bank avails refinance. Stand-Up India provides 20% subsidy on promoter contribution (up to ₹30,000). Ensure project report includes DSCR and repayment capacity.
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Financing structured for a ₹15 Lakh cold storage: margin, term loan & EMI.
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Exact means of finance, CMA, DSCR ≥ 1.50 in the generated report.
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Indicatively ≈ ₹23,115/month on the ~₹13.5 Lakh term-loan portion (at 11% over 7 years), with ~₹1.5 Lakh promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹1.5 Lakh for a ₹15 Lakh project — plus any scheme subsidy.
NABARD, CGTMSE, Stand-Up India fit this range. The report is configured to your chosen scheme.
The EMI is approximately ₹23,115 per month. Use the formula EMI = P × r × (1+r)^n / ((1+r)^n - 1) where P=13.5 Lakh, r=0.009167 (monthly), n=84 months.
Yes, under PMEGP you can get margin money subsidy of 25-35% (₹37,500-52,500). Stand-Up India offers 20% subsidy on promoter contribution (max ₹30,000). No direct subsidy from NABARD, but banks get refinance which may lower interest.
Under CGTMSE, loans up to ₹2 crore are collateral-free. For ₹13.5 Lakh term loan, no collateral is needed if the scheme is applied. However, bank may ask for personal guarantee.
Banks typically require a minimum DSCR of 1.25. For a ₹15 Lakh project with 5-year projections, ensure net cash flow covers debt obligations. A well-prepared project report will calculate DSCR.