Business, & agriculture finance

Warehouse Receipt Finance

finance against warehouse receipts from tied-up collateral managers, with 25%–35% margin, up to 12 months or receipt expiry, and nil fee up to ₹1 crore.

Facility amountThe reviewed product panel does not publish a universal facility amount Interest rateNot published in the reviewed agriculture booklet panel Customer typeTraders, owners of goods, processors and manufacturers holding eligible warehouse receipts

Official product page ↗Compare category

✓ Manually checked 1 Sept 2026 · active

Offered byState Bank of India

India; warehouse receipts issued by eligible collateral managers/CWC/SWC

Key facts

What the official sources publish

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

PurposeFinance traders, owners of goods, manufacturers and processors against warehouse receipts issued by tied-up collateral managersEffective 8 Feb 2024View source

Extending finance to traders/owners of goods/manufacturers/processors against Warehouse Receipts issued by Collateral Managers with whom we have tie-up.

Source: Warehouse Receipt Finance — official product page
Page / section: Purpose
Accessed: 1 Sept 2026
Confidence: high

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FacilitiesCash credit for limits of ₹1 crore and above, Working Capital Demand Loan and Revolving Demand LoanEffective 8 Feb 2024View source

Cash Credit facility (for limits of Rs.1 cr. and above) / Working Capital Demand Loan and Revolving Demand Loan.

Source: Warehouse Receipt Finance — official product page
Page / section: Features — Facilities Available
Accessed: 1 Sept 2026
Confidence: high

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Facility amountThe reviewed product panel does not publish a universal facility amountView source

The reviewed product panel does not publish a universal amount for this product; product-specific amount facts are retained where present.

Source: Bouquet of Products & Services — Agriculture: Loan Products
Page / section: Printed pages 32–37 / physical pages 39–44 — complete agriculture section
Accessed: 4 Sept 2026
Confidence: high

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Turnover / vintageNo turnover or business-vintage threshold is published in the reviewed SBI agriculture product pages or booklet panelsView source

The complete agriculture section publishes activity, eligibility, limits, margins and repayment terms where stated, but no turnover or vintage threshold for these products.

Source: Bouquet of Products & Services — Agriculture: Loan Products
Page / section: Printed pages 32–37 / physical pages 39–44 — complete agriculture section
Accessed: 4 Sept 2026
Confidence: high

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Interest rateNot published in the reviewed agriculture booklet panelView source

The individual panels publish purpose, eligibility, amount and/or tenure but not a universal rate percentage.

Source: Bouquet of Products & Services
Page / section: Printed pages 34–37 / physical pages 41–44
Accessed: 4 Sept 2026
Confidence: high

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Borrower margin25% to 35% of market priceEffective 8 Feb 2024View source

Borrower's Margin / Contribution: 25% to 35% of market price.

Source: Warehouse Receipt Finance — official product page
Page / section: Features — Borrower's Margin / Contribution
Accessed: 1 Sept 2026
Confidence: high

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TenureNo repayment tenure is published in the reviewed panel for this productView source

No repayment tenure is printed for this product panel.

Source: Bouquet of Products & Services — Agriculture: Loan Products
Page / section: Printed pages 32–37 / physical pages 39–44 — complete agriculture section
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Processing feeNot published in the reviewed agriculture booklet panelView source

No processing-fee table appears for these agriculture products in the reviewed section.

Source: Bouquet of Products & Services
Page / section: Printed pages 34–37 / physical pages 41–44
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

CollateralNo separate collateral rule is published in the reviewed panel for this productView source

The product panel does not state a separate collateral requirement; where it does, that product-specific fact is retained instead.

Source: Bouquet of Products & Services — Agriculture: Loan Products
Page / section: Printed pages 32–37 / physical pages 39–44 — complete agriculture section
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Required documentsProduct-specific KYC, land, project, entity and activity documents are required; no fixed checklist is published in the bookletView source

The booklet panels do not publish fixed document checklists.

Source: Bouquet of Products & Services
Page / section: Printed pages 34–37 / physical pages 41–44
Accessed: 4 Sept 2026
Confidence: high

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EligibilityBorrowers pledging receipts issued by WDRA-registered warehouses or approved collateral managersView source

The loan is given against receipts issued by WDRA warehouses or approved collateral managers.

Source: Bouquet of Products & Services
Page / section: Printed page 35 / physical page 42 — Warehouse Receipt Financing
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Published agriculture-product termsThe complete product panel and table are preserved in the shared agriculture booklet table bundle below; see each product row for amount, eligibility, purpose and tenure.View source

All remaining agriculture product panels are transcribed in the complete table bundle.

Source: Bouquet of Products & Services
Page / section: Printed pages 34–37 / physical pages 41–44
Accessed: 4 Sept 2026
Confidence: high

Open official source ↗

Geographic limitsIndia; warehouse receipts issued by eligible collateral managers/CWC/SWCView source

The manually reviewed product record states: “India; warehouse receipts issued by eligible collateral managers/CWC/SWC”.

Source: Warehouse Receipt Finance — official product page
Page / section: Published product metadata
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Customer typeTraders, owners of goods, processors and manufacturers holding eligible warehouse receiptsView source

The manually reviewed product record states: “Traders, owners of goods, processors and manufacturers holding eligible warehouse receipts”.

Source: Warehouse Receipt Finance — official product page
Page / section: Published product metadata
Accessed: 1 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Cash credit for limits of ₹1 crore and above
Working Capital Demand Loan and Revolving Demand Loan options
25%–35% margin of market price
Nil processing fee up to ₹1 crore; simplified documentation

Eligibility

Traders/owners of goods, processors and manufacturers may borrow against eligible warehouse receipts issued by tied-up collateral managers, CWC or SWC.
Primary security is pledge/hypothecation of the underlying stock with lien in favour; personal guarantees may apply.

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

Documents the bank lists

Not published on the reviewed official product page; warehouse-receipt and collateral-manager conditions are stated but no checklist is enumerated.

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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

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.

TableItem

Customer · Published termTraders, goods owners, processors and manufacturers with eligible warehouse receipts

This value is copied from Warehouse Receipt Finance — published terms. Check the table notes before relying on it.

Source: Warehouse Receipt Finance — official product page · Purpose, Features, Eligibility and Security 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 columnsWarehouse Receipt Finance — published termsTerms published on SBI's official page.View tableHide table

Scroll sideways to view every column

Warehouse Receipt Finance — published terms
Item	Published term
Customer	Traders, goods owners, processors and manufacturers with eligible warehouse receipts
Facilities	Cash credit for limits ₹1 crore and above; WCDL and revolving demand loan
Amount	Overall range not published; cash-credit limits start at ₹1 crore
Pricing	Rating/guideline based; page states repo + 2.65% for and 6-month for non-
Margin	25%–35% of market price
Repayment	Up to 12 months, receipt expiry or stock liquidation, whichever earlier
Processing	Nil up to ₹1 crore; above 0.1% p.a., capped ₹3 lakh
Security	Pledge/hypothecation of stock; personal guarantee where applicable

Last updated on the page: 8 February 2024. Eligible collateral managers listed include NBHC, Star Agri, Sohanlal Commodity Management, LTC Commercial Company and eNWR.

Warehouse Receipt Finance — official product page · Purpose, Features, Eligibility and Security · accessed 1 Sept 2026Open official source ↗

Table 2 · 12 rows · 4 columnsSBI agriculture loan products — complete booklet transcriptionEvery agriculture product panel and the warehouse-receipt tables from printed pages 34–37 (physical PDF pages 41–44).View tableHide table

Scroll sideways to view every column

SBI agriculture loan products — complete booklet transcription
Product	Purpose / eligibility	Amount or limit	Tenure / margin / other published terms
Finance to Self Help Group ()	corpus-based finance; Panchasutras mandatory; social needs, debt swap, housing, toilets and sustainable livelihoods	Up to ₹20 lakh	No collateral margin up to ₹10 lakh; minimum 10% margin above ₹10 lakh
Svayam Siddha Initiative	Individual women members of mature credit-linked with and sponsored by SRLM/NRLM; 28 common /Agri- activities	Up to ₹10 lakh; simplified procedure up to ₹5 lakh	Other activities ₹80,000–₹10 lakh follow regular procedure; 2% interest subvention for prompt women borrowers on ₹1.50 lakh outstanding for max 3 years
Agriculture Infrastructure Fund ()	Farmers, agri entrepreneurs, start-ups, agencies/APMCs, cooperatives, PACS, , and ; post-harvest/processing/storage	Interest-subvention limit ₹2 crore	3% p.a. subvention for max 7 years; cover up to ₹2 crore; NABSanrakshan cover up to ₹2 crore for
Kisan Credit Card ()	Owner cultivators, tenant farmers, oral lessees, sharecroppers, and ; cultivation, post-harvest, household consumption, farm assets and allied activities	Need-based by crop, acreage and Scale of Finance; 10% annual step-up through year 5	Short crops 12 months; long crops 18 months; five-year validity subject to annual review; 3% prompt-repayment incentive
Animal Husbandry Infrastructure Development Fund ()	Dairy/meat processing and animal-feed manufacturing; , companies, individuals, Section 8 companies, and dairy cooperatives	Credit guarantee under up to ₹5 crore; NABSanrakshan up to ₹25 crore for	3% interest subvention for regular repayment, up to 8 years including moratorium; apply via Udyami Mitra
Warehouse Receipt Financing — Agri	Post-harvest finance against WDRA-registered warehouse receipts or approved collateral-manager receipts	Minimum ₹1 lakh; individuals// up to ₹2 crore; /cooperatives/PACS/agro-food units up to ₹10 crore	Maximum 12 months, but one month before commodity shelf life (12-month shelf life → 11-month term; 3-month shelf life → 2-month term); processing fee and collateral waived for e-NWR/approved-manager WHR
Asset Backed Agriculture Loan (ABAL)	Traditional, modern farm and farm-related activities; short-term production and investment credit	Maximum overdraft ₹2 crore per borrower	Loan secured by SARFAESI-compliant immovable property
Loan — Agri Allied Activities	Individuals, sole proprietorships, partnerships (excluding corporate bodies/institutions), and ; dairy, poultry, fisheries, sericulture, piggery, sheep/goat rearing, beekeeping and mushroom cultivation	Collateral-free loans up to ₹20 lakh; cover available	Overdraft and dropline overdraft facilities
Tractor Loan	Individual farmer with minimum 2-acre agricultural land holding; up to two co-applicants; tractor, accessories, insurance and registration	₹2 lakh–₹25 lakh	Term loan; up to 5 years with half-yearly instalments; 25% margin
Fishing / Processing	Composite fish culture, prawns/shrimp, boats and pond construction/deepening/widening/desilting; individuals, proprietorships, partnerships, , companies, cooperatives, /	₹2 lakh–₹50 crore	Maximum 7 years including 12-month moratorium
Poultry / Processing	Broiler, egg, pullet and breeder production; equipment, feed, medicines, sheds, borewells, insurance, expansion and mechanisation; farmers//, corporates, /, companies, partnerships and cooperatives	₹1 lakh–₹25 crore	Repayable in 120 months including 9-month moratorium
Dairy / Processing	Milch cattle, plant/machinery, sheds, land development, infrastructure and dairy processing; farmers, /, corporates, , partnerships and cooperatives	Not published in the panel	5 years for dairy farm; up to 10 years for processing; moratorium up to 3 months for dairy and 18 months for processing

Rows reproduce every product and numeric term shown on printed pages 34–37. Amounts, margins and periods are not inferred where the panel is silent.

Bouquet of Products & Services — Agriculture: Loan Products · Printed pages 34–37 / physical pages 41–44 · accessed 4 Sept 2026Open official source ↗

Warehouse Receipt Finance

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

Related products

Asset Backed Agriculture Loan (ABAL)

ABL (Saral)

Agri Clinic and Agri Business Centres Loan

Agri & Food Enterprises Loan (AFEL)