This page provides a comprehensive, bank-ready project report for a ₹2 Crore cold storage facility, designed for entrepreneurs seeking a term loan of ₹1.80 Crore with a promoter margin of ₹20 Lakh. The project is classified under NIC 52102 and is eligible for NABARD refinance, CGTMSE collateral-free coverage, and Stand-Up India scheme benefits (for SC/ST/women entrepreneurs). The report includes detailed CMA data, DSCR calculations (typically targeted above 1.5), and 5-year financial projections covering revenue, expenses, and cash flows. A well-structured project report is critical for loan approval as it demonstrates viability, repayment capacity, and compliance with scheme guidelines. This content is tailored for Indian MSMEs and CAs to streamline the loan application process.
To avail a ₹2 Crore cold storage loan, the borrower must be an individual, partnership, LLP, or private limited company with a viable business plan. The project qualifies for NABARD refinance under its cold chain scheme, which offers concessional interest rates (typically 2-3% lower than market) and longer repayment tenures up to 7 years. CGTMSE coverage eliminates the need for collateral for loans up to ₹2 Crore (subject to annual turnover limits). Stand-Up India provides additional support for SC/ST and women entrepreneurs, including a 15% promoter contribution and interest subvention of 2% per annum. The unit must be located in a designated food park or have necessary FSSAI and pollution clearances.
The total project cost is ₹2 Crore, with a promoter margin of ₹20 Lakh (10%) and a term loan of ₹1.80 Crore (90%). The cost breakup typically includes land and building (₹60 Lakh), plant and machinery (₹1.10 Crore), and working capital (₹30 Lakh). The term loan is repayable over 7 years at an interest rate of 11% per annum, resulting in an EMI of approximately ₹3,08,204. The DSCR is projected at 1.55, ensuring comfortable debt servicing. Working capital can be funded through a separate cash credit limit. NABARD subsidy of up to ₹35 Lakh (35% of eligible capital cost) is available for cold storage projects under its capital investment subsidy scheme.
For a ₹2 Crore cold storage loan, lenders require: (1) KYC documents of promoters (Aadhaar, PAN, Voter ID), (2) Business proof (GST registration, MSME Udyam certificate, partnership deed/incorporation certificate), (3) Land documents (title deed, sale deed, no-objection certificate from local authority), (4) Project report with CMA data, 5-year projections, and DSCR calculation, (5) Quotations for plant and machinery from suppliers, (6) Licenses (FSSAI, fire department NOC, pollution board consent), (7) CGTMSE application form if collateral-free loan is sought, (8) Stand-Up India declaration (if applicable). Ensure all documents are self-attested and notarized where required.
Step 1: Prepare a detailed project report with financial projections using a CMA format. Step 2: Identify a lender (public sector banks like SBI, PNB, or regional rural banks) that offers NABARD refinance. Step 3: Submit the application along with all documents. Step 4: The bank conducts a techno-economic feasibility study and site visit. Step 5: Upon approval, sanction letter is issued with terms. Step 6: Execute loan agreement and submit collateral documents (if any). Step 7: Disbursement is done in stages (e.g., 50% for land, 40% for machinery, 10% for working capital). Step 8: Claim NABARD subsidy post-completion of project (within 18 months). Typical processing time is 4-8 weeks.
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Financing structured for a ₹2 Crore cold storage: margin, term loan & EMI.
Scheme-ready for NABARD, CGTMSE, Stand-Up India.
Exact means of finance, CMA, DSCR ≥ 1.50 in the generated report.
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Indicatively ≈ ₹3,08,204/month on the ~₹1.80 Cr term-loan portion (at 11% over 7 years), with ~₹20 Lakh promoter margin. The report computes exact figures.
Banks typically expect ~10% margin — about ₹20 Lakh for a ₹2 Crore 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 ₹3,08,204 per month. This is calculated using the formula EMI = P × r × (1+r)^n / ((1+r)^n - 1), where P = ₹1.80 Crore, r = 11%/12 = 0.009167, n = 84 months. The total interest payable over 7 years is about ₹79.89 Lakh.
No, if the loan is covered under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises). For loans up to ₹2 Crore, CGTMSE provides collateral-free coverage up to 85% of the loan amount. However, the borrower must meet eligibility criteria (annual turnover up to ₹5 Crore) and pay a one-time guarantee fee of 0.75% of the loan amount.
NABARD offers a capital investment subsidy of 35% of the eligible capital cost, subject to a maximum of ₹35 Lakh, for cold storage projects under its Cold Chain scheme. The subsidy is available for projects with a capital cost of up to ₹2 Crore. The promoter must submit a claim within 18 months of project completion.
Yes, if the entrepreneur is a woman (or SC/ST), Stand-Up India provides a 15% promoter contribution (instead of 20%) and an interest subvention of 2% per annum for the first 3 years. The loan amount under Stand-Up India is between ₹10 Lakh and ₹1 Crore, but for a ₹2 Crore project, the first ₹1 Crore can be covered under Stand-Up India, and the remaining under a separate term loan.