Business, & agriculture finance

Mahabank e-NWR Loan for Agriculture Produce Traders

A demand loan above ₹10 lakh and up to ₹2 crore for up to 12 months against eligible non-perishable agricultural produce represented by an electronic negotiable warehouse receipt.

Facility amountAbove ₹10 lakh and up to ₹2 crore.Interest rateNot published; the page states only that Bank guidelines apply.Customer typeAgriculture commodity traders, commission agents and arthias meeting MSMED investment criteria, with valid Udyam and GST registrations.

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✓ Manually checked 31 Aug 2026 · active

Mahabank Finance Against e-NWR to Traders

Offered byBank of Maharashtra

WDRA-registered warehouses in India using NERL or CCRL electronic warehouse receipts

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Customer typeAgriculture commodity traders, commission agents and arthias meeting MSMED investment criteria, with valid Udyam and GST registrations.View source

Complete eligibility row reviewed.

Source: e-NWR Traders
Page / section: Eligibility entities
Accessed: 31 Aug 2026
Confidence: high

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Turnover / vintageNo numeric turnover or vintage floor; MSMED equipment-investment classification, Udyam and GST are required.View source

Published qualitative eligibility retained.

Source: e-NWR Traders
Page / section: Eligibility entities
Accessed: 31 Aug 2026
Confidence: high

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Facility amountAbove ₹10 lakh and up to ₹2 crore.View source

Published minimum and maximum reviewed.

Source: e-NWR Traders
Page / section: Loan amount
Accessed: 31 Aug 2026
Confidence: high

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Interest rateNot published; the page states only that Bank guidelines apply.View source

No product-specific benchmark, spread or numeric rate was found.

Source: e-NWR Traders
Page / section: Rate of interest; complete page and schedules
Accessed: 31 Aug 2026
Confidence: high

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TenureDemand loan repayable within 12 months.View source

Published short-term maximum reviewed.

Source: e-NWR Traders
Page / section: Purpose; nature
Accessed: 31 Aug 2026
Confidence: high

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Collateral / securityPledge of eligible commodities and lien on endorsed e-NWR; mandatory CGS-NPF cover means no further collateral, otherwise Bank policy applies; 25% margin.View source

Complete primary, collateral and guarantee-cover rows reviewed.

Source: e-NWR Traders
Page / section: Margin; security
Accessed: 31 Aug 2026
Confidence: high

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Processing feeMSME term-loan tariff: nil up to ₹5 lakh; 1% above ₹5 lakh to ₹25 crore.View source

Applicable demand-loan processing tier reviewed.

Source: Service Charges
Page / section: page 81, term-loan row
Accessed: 31 Aug 2026
Confidence: medium

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Required documentsApplication/KYC; Udyam and GST; entity/financial records; WDRA warehouse evidence; NERL/CCRL e-NWR; commodity, pledge, lien and CGS-NPF documents.View source

Product-specific warehouse/security documents plus common checklist reviewed.

Source: e-NWR Traders and Checklist
Page / section: Complete page; checklist 1-14
Accessed: 31 Aug 2026
Confidence: high

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Geographic limitsWDRA-registered warehouses in India using e-NWRs issued through NERL or CCRL.View source

Complete warehouse and repository rule reviewed.

Source: e-NWR Traders
Page / section: Eligible warehouse/storage receipt
Accessed: 31 Aug 2026
Confidence: high

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Prepayment chargeNo prepayment charge for floating-rate business-purpose loans to individuals and MSEs; other term loans: 2% when prepayment exceeds 25% of sanctioned limit.View source

Applicable prepayment rows and exemption reviewed.

Source: Service Charges - All Credit
Page / section: pages 93-94
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Above ₹10 lakh and up to ₹2 crore
Maximum 12 months
25% commodity-value margin
Mandatory CGS-NPF route removes further collateral
Seasonal liquidity against stored non-perishable produce

Eligibility

Eligible traders, commission agents and arthias dealing in agricultural commodities; entity must meet MSMED equipment-investment criteria and hold valid Udyam and registrations.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Signed application and
Udyam and registrations
Entity and financial records
Eligible NERL or CCRL e-NWR
WDRA warehouse evidence
Commodity ownership/stock records
Pledge and repository-lien documents
CGS-NPF coverage documents

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

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TableParameter

Eligibility · Published detailAgriculture traders/commission agents/arthias; MSMED equipment-investment criteria; Udyam and

This value is copied from Mahabank e-NWR Traders Loan - complete published parameters. Check the table notes before relying on it.

Source: e-NWR Traders · Complete table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 9 rows · 2 columnsMahabank e-NWR Traders Loan - complete published parametersView tableHide table

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Mahabank e-NWR Traders Loan - complete published parameters
Parameter	Published detail
Eligibility	Agriculture traders/commission agents/arthias; MSMED equipment-investment criteria; Udyam and
Purpose	Short-term liquidity against fungible non-perishable farm produce; no fruits, vegetables or other perishables
Warehouse/receipt	WDRA-registered warehouse; NERL or CCRL e-NWR
Facility	Demand loan repayable within 12 months
Amount	Above ₹10 lakh to ₹2 crore
Margin	25% of commodity value
Rate	Bank guidelines; numeric rate not published
Primary security	Commodity pledge and e-NWR lien in repository books
Collateral	Mandatory CGS-NPF: no further collateral; if uncovered, Bank policy

e-NWR Traders · Complete table · accessed 31 Aug 2026Open official source ↗

Table 2 · 6 rows · 3 columnsBank of Maharashtra benchmark rates effective 25 July 2026View tableHide table

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Bank of Maharashtra benchmark rates effective 25 July 2026
Benchmark	Residual maturity	Rate p.a.
Overnight	1 day	7.30%
One-month	>1 day-1 month	8.30%
Three-month	>1-3 months	8.55%
Six-month	>3-6 months	8.90%
One-year	>6 months	9.00%
	External benchmark	8.05%

and effective 25.07.2026 · page 1 · accessed 31 Aug 2026Open official source ↗

Table 3 · 5 rows · 2 columnsShared MSME documentation and applicable fee evidenceView tableHide table

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Shared MSME documentation and applicable fee evidence
Area	Published detail
Common documentation	14-row checklist: application/, registrations, constitution, net worth/, resolutions, , audited financials, projections, banking, security, TEV/rating and licences as applicable
Working-capital processing	Nil up to ₹5 lakh; 0.35% p.a. above
Term-loan processing	Nil to ₹5 lakh; 1% above ₹5 lakh-₹25 crore; 0.80% above ₹25-₹100 crore; 0.70% above ₹100 crore
Floating business-purpose loan to individual/	Nil prepayment charge
Other term-loan prepayment	2% above 25% trigger; exemption

Service Charges and Checklist · pages 80-81 and 93-94; checklist rows 1-14 · accessed 31 Aug 2026Open official source ↗

Mahabank e-NWR Loan for Agriculture Produce Traders

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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