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Warehouse Receipt Finance
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Grow your business faster by availing a loan on your agricultural commodities to support your working capital needs with our Warehouse Receipt Finance. This financing solution offers loans up to ₹ 10 crore with a tenure of up to 11 months to farmers, traders, and processors. Get faster loan sanctioning, paperless documentation, and partial release options. Our simple application process and minimal documentation ensure speedy approval and quick fund disbursals.

Comprehensive Loans

Providing financing options that range from ₹ 1 lakh* to ₹ 10 crore*

Fast Loan Sanction

Efficient financing process with quick approval within 48 hours*

Hassle-free Disbursement

Loan amounts are disbursed within 30 minutes*, ensuring rapid access to funds.

Repayment Options

Flexible repayment period for up to 11 months

Loan Tenure

Loan tenures of up to 11 months to suit your business needs

Limit Enhancement

Access top up options on your existing facility for additional funding

Eligibility & Documents

Age Criteria:

  • 21 years to 70 years

Land Ownership:

  • Farmer - Minimum 1 acre agricultural land
  • Trader and Processor - Nil

Amount:

  • Farmer - 1 Lakh to 50 Lakh
  • Trader - 10 Lakh to 5 Crore
  • Processor - 50 Lakh to 10 Crore

Identity Proof:

  • PAN and any one of the following- Aadhaar Card| Driving License | Passport | Voter ID | Job card by NREGA | Letter issued by the National Population Register containing details of name and address

Address Proof:

  • Utility bills (not older than 2 months) | Aadhaar Card | Driving License | Passport | Voter ID etc

Other Documents:

  • Documents vary for Farmer, Trader and Processor.
  • Please find the easy detailed list of required documents here.

Fees And Charges

List of all fees and charges for Warehouse Receipt Finance

How to Apply

Apply for Warehouse Receipt Finance with these steps

FAQs & Support

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How can I apply for a Warehouse Receipt Finance?

To apply for a Warehouse Receipt Finance, follow these steps:

  • Apply online by filling out the form
  • Our representative will contact you for document verification
  • Eligibility and documents will be verified
  • Quick sanction

How much of a Warehouse Receipt Finance can I get?

The loan amount you can receive under a Warehouse Receipt Finance depends on several factors, including the value of the commodity placed as collateral, your business’s financial stability, and your credit profile. Aadhar Cash offers flexible loan amounts catering to both small-scale and large-scale financing needs. The exact amount will be determined during the loan approval process.

What are the fees and charges for a Warehouse Receipt Finance?

The fees and charges for Warehouse Receipt Financing are:

  • Processing Fees: Up to 0.50% on loan amount + applicable taxes
  • Repayment/EMI Bounce Charges: Principal & Interest, bullet repayment
  • MTM Calculation: Weekly – as per LTF policy
  • Repayment Mode: UTR /Online Banking / NACH Mandate / Aadhar E-NACH / e-NACH
  • Foreclosure Charges: Nil
  • Charges for documents like Statement of Account/Repayment Schedule /Foreclosure Letter: Nil

What are the benefits of Warehouse Receipt Finance?

The benefits of Warehouse Receipt Finance include:

  • Immediate Cash Flow: Access to funds by using commodity as collateral without selling the goods.
  • Flexible Financing: Loan amounts are based on the value of the commodity, which can be adjusted as inventory levels change.
  • Working Capital Management: Helps businesses manage their working capital requirements efficiently.
  • Quick Disbursal: Faster access to funds, aiding smoother business operations.

Who is eligible for a Warehouse Receipt Finance?

To be eligible for a Warehouse Receipt Finance, the applicant must be a Farmer / Trader / Processor dealing in agri commodities in India.

Do I get a Tax Benefit for a Warehouse Receipt Finance?

Warehouse Receipt Finances do not offer direct tax benefits like home loans.

Who can avail of a Warehouse Receipt Finance?

Farmer or registered business entity in India, such as sole proprietorships, partnership firms and private limited companies dealing in agri commodities, can apply for a Warehouse Receipt Finance.

What is the difference between Warehouse Receipt Financing and Warehouse Fianace?

Warehouse Receipt Based Finance is the term used for funding against agri commodities kept in approved warehouses managed by empanelled Collateral Management agencies.
Warehouse Finance is securing funds for construction of warehouse or expanding warehouse facilities. A broader term that may include various types of loans and credit facilities secured by hypothecation of warehouse land & property.

What are the documents required for a Warehouse Receipt Finance?

The documents required for Warehouse Receipt Finance are as follows:

  • ID Proof: Aadhaar Card, PAN Card
  • Address Proof: Aadhaar, Voter ID, Driving Licence, Passport, NREGA Job Card
  • Income Assessment: Based on income capacity
  • Land Ownership Documents: 7/12 extract, Khata, Khasra, Khatuni, lease proof
  • Trader/Processor Documents: GST returns, Income Tax returns / Balance Sheet / Bank Statement
  • Partnership/LLP Documents/Private Limited: Shareholding pattern, MOA, AOA, board resolution

Will there be a processing fee for Warehouse Financing?

Yes, a processing fee of upto 0.50% on loan amount + applicable taxes is charged for warehouse financing.

 

Testimonials

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Farmer Loan

My friend recommended LTF since they provide tractor loans at a lower interest rate than others, the loan process is simple, no physical documentation is required, payment was deposited the same day and I received the tractor within a week. My agricultural business has really improved thanks to the LTF.

Narayana G

Telangana

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Farmer Loan

Aadhar Cash has supported me as a farmer since 2014, helping me finance two tractors and essential equipment. With flexible, crop-based repayments and easy EMI tracking on the PLANET App, my life has been easy. Aadhar Cash truly empowers us to grow better and manage finances seamlessly.

Satish Hisar

Beri, Haryana

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Farmer Loan

As a third-generation farmer, owning a tractor with Aadhar Cash's support has transformed our work. The fully digital process made it easy, with swift disbursement and flexible repayment options like EMI Protect. Now, our costs are lower, and farming is efficient. Truly, Aadhar Cash supports farmer prosperity.

Hardeep Soora

Hisar, Haryana

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Farmer Loan

In today's world the cash flow is too quick. Aadhar Cash executive gave the proposal and it was doorstep financing along with end to end digital process. With minimal documentation, I received swift approval and disbursement.

Suyash Agrawal

Seoni, Madhya Pradesh

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Micro LAP

I am engaged in farming and a small dairy business. When I explored financing options, the interest rates in the market were too high. With a quick home inspection and property mortgage, I secured a loan at a competitive interest rate. The process was straightforward, and funds were disbursed quickly.

Bharatbhai Chavda

Dessa, Gujarat