Bank-ready cold storage project report for Prayagraj, Uttar Pradesh — with CMA data, DSCR ≥ 1.50 and 5-year projections for NABARD, CGTMSE, Stand-Up India.
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Setting up a cold storage facility in Prayagraj, Uttar Pradesh, is a strategic agri-infrastructure investment given the region's status as a major agricultural hub and the site of the Kumbh Mela. A bank-ready project report is essential for securing loans under NABARD, CGTMSE, or Stand-Up India schemes. This report must include CMA data (current ratio, debt-equity ratio), DSCR (minimum 1.25), and 5-year financial projections (P&L, balance sheet, cash flow). It should also detail project cost (₹50 lakh to ₹5 crore), working capital, and subsidy eligibility. A well-prepared report demonstrates viability and reduces loan rejection risk.
Cold storage projects in Prayagraj are eligible for NABARD's capital subsidy (up to 35% for agri infrastructure) under the Agri Infrastructure Fund (AIF). CGTMSE collateral-free loans up to ₹2 crore are available for MSMEs. Stand-Up India offers loans from ₹10 lakh to ₹1 crore for SC/ST and women entrepreneurs. Key eligibility: land in industrial or agricultural zone (minimum 1 acre), power availability (minimum 50 kVA), and technical feasibility (cold chain expertise). The project must be a new unit or expansion with at least 500 MT capacity.
Typical project cost for a 1000 MT cold storage in Prayagraj: land (₹20-30 lakh), civil construction (₹60-80 lakh), machinery (₹80-120 lakh), power backup (₹20-30 lakh), and working capital (₹20-30 lakh). Total: ₹2-3 crore. Bank loan covers 70-80% (₹1.4-2.4 crore) with promoter contribution 20-30%. Under NABARD AIF, 35% capital subsidy (up to ₹1.05 crore) reduces promoter burden. DSCR should be >1.5, debt-equity ratio <2:1. Term loan tenure: 7-10 years with 1-year moratorium.
Essential documents: land title deed with conversion to non-agricultural use (if needed), building plan approval from Prayagraj Municipal Corporation, pollution clearance from UPPCB, electrical load sanction from PURA, project report with CMA data, 3 years ITR of proprietor/company, partnership deed or MOA/AOA, and quotations for machinery from suppliers like Blue Star or Voltas. For subsidy: NABARD registration, DPR (detailed project report), and Udyam Aadhaar. CGTMSE requires no collateral but needs good CIBIL score (750+).
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.
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Localised for Prayagraj: addresses, NIC code 52102 and Uttar Pradesh 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 Prayagraj 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 Prayagraj can fine-tune figures.
Used by entrepreneurs, CAs and loan agents across North 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 Prayagraj and Uttar Pradesh, as well as the local DIC office for subsidy schemes.
Most cold storage projects in Prayagraj 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 Prayagraj, 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 Prayagraj-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 Prayagraj can adjust projections, machinery costs or working capital before submitting to the bank.
Minimum 1 acre of land in an industrial or agricultural zone. For 1000 MT capacity, 1.5-2 acres is recommended. Land must be free from encumbrances and converted to non-agricultural use if needed.
Yes, CGTMSE covers collateral-free loans up to ₹2 crore for MSMEs. The project must be viable with DSCR >1.25. However, banks may still require personal guarantee. Loan tenure up to 7 years.
NABARD's Agri Infrastructure Fund (AIF) offers 35% capital subsidy (max ₹1.05 crore) for cold storage. Additionally, PM Kisan Sampada Yojana provides up to 50% subsidy for integrated cold chain projects. Apply through state NABARD office.