• To help farmers avoid distress sale of their produce

  • To enable prompt repayment of crop loan dues and provide liquidity to farmers to meet contingency needs.

  • To offer the facility of loan against the stocks stored in farm houses, in addition to loan against warehouse receipts.

Who are eligible for the loan?
  • All non-defaulter borrowers of our branches, who can store the produce either in their own farm/premises itself or in a Warehouse / cold storage.

  • Crop loan borrowers of other Banks and also Non-Borrower Farmers, who store their produce/ stocks in a Warehouse / cold storage.

Loan amount

60 to 80% of value of produce depending upon the place of storage subject to a maximum of Rs.50 lacs.

Documents you need to produce

Stock statement for valuation and evidence of stocks at the residence of the borrower/ godown Warehouse receipt, duly endorsed, if stocked at warehouse.


Loan sanctioned against goods stored in Farmers godown:

Primary : Hypothecation of stocks.

Collateral: Mortgage / Charge over Land or Third Party guarantee for loans above Rs.1,00,000/-.

Loans sanctioned against Warehouse Receipts (WHR):

Primary : Pledge of stocks.

Collateral: No collateral is required for loans upto the maximum permitted limit of Rs.10 lakhs under the scheme.


After liquidating the crop loan ,surplus will be made available for drawl.

How to repay?

Loan has to be repaid within a maximum period of 12 months depending upon the crop and specific circles have different caps for different models of godowns.

How to apply for this loan

Contact Branch Manager/Field staff.