Bank-ready cold storage project report for Siliguri, West Bengal — 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 Siliguri, West Bengal, is a strategic agri-infrastructure investment given the region's role as a gateway to Northeast India and its high horticultural output. A bank-ready project report is essential to secure loans under NABARD's refinance schemes, CGTMSE collateral-free credit, or Stand-Up India for women/SC/ST entrepreneurs. For a project cost between ₹50 lakh and ₹5 crore (NIC 52102), the report must include CMA data, DSCR (minimum 1.5), and 5-year financial projections covering revenue from storage rental, handling charges, and value-added services. It should also detail the location advantage (proximity to NH27 and Siliguri's wholesale market), technology (e.g., vapour compression refrigeration), and compliance with APMC/FSMS norms. Subsidies of up to 35% are available under NABARD's Credit Linked Capital Subsidy Scheme (CLCSS) for cold storage. A well-prepared report reduces loan rejection risk and speeds up sanction.
Individual entrepreneurs, partnership firms, private companies, and farmer producer organizations (FPOs) are eligible. For loans up to ₹5 crore, CGTMSE covers collateral-free loans up to ₹2 crore (for MSMEs) and Stand-Up India offers ₹10 lakh–₹1 crore for SC/ST/women. NABARD refinances loans through commercial banks/RRBs for cold storage under its investment credit scheme, with a subsidy of 25-35% (subject to a ceiling of ₹1.5 crore) for projects in the agri-infrastructure sector. The borrower must own or lease land (minimum 0.5 acre) with clear title, and the project must be technically feasible with a minimum capacity of 5,000 MT. Siliguri's location offers additional incentives under the North East Industrial Development Scheme (NEIDS) if the unit is in the Darjeeling district's notified areas.
A typical 5,000 MT cold storage in Siliguri costs ₹2.5–3 crore, including land (₹30-50 lakh), civil works (₹60-80 lakh), refrigeration plant (₹80 lakh–₹1.2 crore), electricals & backup (₹20-30 lakh), and working capital (₹20-30 lakh). The financing mix is 70-75% term loan (bank) and 25-30% promoter contribution. Under NABARD's scheme, the loan is repaid over 7-10 years with a moratorium of 1-2 years. Interest rates range from 9-12% p.a. depending on credit rating and scheme. Subsidy is disbursed as a back-ended capital subsidy after project completion. For Stand-Up India, the loan is up to ₹1 crore with a repayment period of 7 years. The project report must show a DSCR of at least 1.5 and IRR of 12-15%.
For the project report: land documents (sale deed, mutation, tax receipts), building plan approval from Siliguri Municipal Corporation, quotations for machinery (refrigeration, insulation, electrical), and a detailed CMA (Cash Management Approach) for 5 years. For subsidy under NABARD: DPR approved by a NABARD empanelled consultant, NOC from pollution control board, and a project viability certificate. For CGTMSE: no collateral documents, but a personal guarantee of the promoter. For Stand-Up India: self-declaration of caste/gender, business plan, and educational qualification certificate. Additional documents include GST registration, Udyam registration, and a projected balance sheet. All documents must be in the name of the entity or individual applying.
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 Siliguri: addresses, NIC code 52102 and West Bengal 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 Siliguri 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 Siliguri can fine-tune figures.
Used by entrepreneurs, CAs and loan agents across East 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 Siliguri and West Bengal, as well as the local DIC office for subsidy schemes.
Most cold storage projects in Siliguri 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 Siliguri, 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 Siliguri-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 Siliguri can adjust projections, machinery costs or working capital before submitting to the bank.
Typically 0.5 to 1 acre for a 5,000 MT capacity. Land should be in an industrial or commercial zone with access to NH27 or NH31. Siliguri's Mahakalpara or Matigara areas are preferred due to proximity to the wholesale fruit and vegetable market.
PMEGP is for micro-enterprises up to ₹50 lakh (manufacturing). Cold storage projects above ₹50 lakh are not eligible. Instead, use NABARD's CLCSS (25-35% subsidy) or Stand-Up India (no subsidy but collateral-free loan). For smaller units (₹10-50 lakh), PMEGP can be used with 15-35% subsidy.
Banks expect a minimum DSCR of 1.5 for the loan tenure. For cold storage in Siliguri, with 70% occupancy and rental of ₹3-5 per kg per month, DSCR can be 1.8-2.2. The project report must include sensitivity analysis for lower occupancy (60%) to show viability.