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Agricultural Godowns / Cold Storage

Term-loan and working-capital finance for new or expanded agricultural godowns, cold stores, market yards and silos.

Interest rateNo product-specific percentage is published; the official page directs applicants to Indian Bank's lending-rates link.Maximum amountNo universal rupee ceiling is published; term loan is based on project cost and working capital on the cash-budget method.TenureTerm loan up to nine years, including a maximum two-year holiday period.
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Quick eligibility check

Agricultural Godowns / Cold Storage

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: eligibility is based on the eligible borrower, project and storage activity?

Published source: Minimum income

2Do you meet this requirement: Individuals, groups, associations of persons, cooperatives, firms and companies constructing, expanding or modernising eligible agricultural storage units?

Published source: Eligibility

3Can you provide this required proof: Project report, cost and quotation records, borrower KYC/constitution, land and building title/approvals, valuation, insurance and collateral/security documents?

Published source: Required documents

4Do you meet this requirement: Individuals, groups, associations of persons, cooperatives, firms and companies may apply for construction, expansion or modernisation of eligible agricultural storage units?

5Do you meet this product condition: Security coverage ratio must remain at least 1.20?

6Document checkDo you have this required document or proof: Borrower constitution and KYC documents?

Published source: Required documents

7Document checkDo you have this required document or proof: Project report and cost quotations?

Published source: Required documents

8Document checkDo you have this required document or proof: Land/building title and approvals?

Published source: Required documents

9Document checkDo you have this required document or proof: Storage-unit plans, valuation and insurance?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

India

Key facts

What the official sources publish

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

Loan typeTerm loan and cash-credit working-capital facility for agricultural godowns, cold stores, market yards and silos.View source
The page lists term loan and cash credit as the available facilities.
Source
Agricultural Godowns / Cold Storage — Indian Bank
Page / section
Types of Facility Available
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateNo product-specific percentage is published; the official page directs applicants to Indian Bank's lending-rates link.View source
The page says to refer to the lending rates link on the bank website.
Source
Indian Bank agricultural godown rate review
Page / section
Interest Rates
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkNo named benchmark or spread is published on the product page.View source
The source refers to the lending-rate link without naming a benchmark.
Source
Indian Bank agricultural godown benchmark review
Page / section
Interest Rates
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR percentage is published.View source
The product page publishes margin and repayment but no calculation.
Source
Indian Bank agricultural godown review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo salary or annual-income threshold is published; eligibility is based on the eligible borrower, project and storage activity.View source
The page specifies borrower types and project-cost/cash-budget assessment rather than a universal income floor.
Source
Indian Bank agricultural godown eligibility review
Page / section
Eligibility; amount
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amountNo universal rupee ceiling is published; term loan is based on project cost and working capital on the cash-budget method.View source
The amount row uses project cost and cash-budget assessment without a stated rupee cap.
Source
Indian Bank agricultural godown quantum
Page / section
Amount of Loan
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureTerm loan up to nine years, including a maximum two-year holiday period.View source
The repayment row publishes nine years including up to two years' holiday.
Source
Indian Bank agricultural godown repayment
Page / section
Repayment
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeThe product page refers to the applicable service-charge circular; no product-specific percentage or amount is published on the reviewed page.View source
The page does not state a numeric processing fee.
Source
Indian Bank agricultural godown fee review
Page / section
Interest / charges references
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo separate prepayment or foreclosure charge is published on the product page.View source
The reviewed page publishes security and repayment but no prepayment charge.
Source
Indian Bank agricultural godown prepayment review
Page / section
Complete product criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityIndividuals, groups, associations of persons, cooperatives, firms and companies constructing, expanding or modernising eligible agricultural storage units.View source
The official eligibility list names the permitted borrower forms.
Source
Indian Bank agricultural godown eligibility
Page / section
Eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsProject report, cost and quotation records, borrower KYC/constitution, land and building title/approvals, valuation, insurance and collateral/security documents.View source
The page requires mortgage, hypothecation, receivable assignment, collateral and guarantees tied to the financed project.
Source
Indian Bank agricultural godown documents
Page / section
Security; project criteria
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Term loan based on project cost
  • Cash credit assessed by cash-budget method without a limit restriction
  • Up to nine-year term including up to two-year holiday period
  • Published 25% term-loan and 30% working-capital minimum margins

Eligibility

  • Individuals, groups, associations of persons, cooperatives, firms and companies may apply for construction, expansion or modernisation of eligible agricultural storage units.
  • Security coverage ratio must remain at least 1.20; personal guarantees of partners/directors are required where applicable.

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

Documents the bank lists

  • Borrower constitution and documents
  • Project report and cost quotations
  • Land/building title and approvals
  • Storage-unit plans, valuation and insurance
  • Receivables, stock and collateral-security records

Related official documents

Agricultural Godowns / Cold Storage — Indian Bank official product pageofficial-product-page · current · accessed 31 Aug 2026
↗

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

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

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Purpose · Published detailNew construction, expansion or modernisation of agricultural godowns, cold stores, market yards and silos.

This value is copied from Agricultural Godowns / Cold Storage — published terms. Check the table notes before relying on it.

Source: Agricultural Godowns / Cold Storage — Indian Bank · Complete product criteria Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsAgricultural Godowns / Cold Storage — published termsCurrent Indian Bank agricultural-storage finance terms.View tableHide table

Scroll sideways to view every column

Agricultural Godowns / Cold Storage — published terms
ParameterPublished detail
PurposeNew construction, expansion or modernisation of agricultural godowns, cold stores, market yards and silos.
EligibilityIndividuals, groups, associations, cooperatives, firms and companies.
FacilitiesTerm loan and cash credit.
AmountTerm loan based on project cost; working capital by cash-budget method.
MarginTerm loan minimum 25%; working capital minimum 30%.
TenureUp to nine years including up to two-year holiday.
SecurityMortgage, hypothecation, receivable assignment, collateral and partner/director guarantees; 1.20 minimum security coverage ratio.
Rate / feeRefer lending-rate and applicable service-charge schedules; no product-specific percentage on page.
Agricultural Godowns / Cold Storage — Indian Bank · Complete product criteria · accessed 31 Aug 2026Open official source ↗

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