South Indian Bank Ltd. Head Office T.B Road, Mission Quarters, Thrissur 680 001,Kerala, India
Finance Against Warehouse Receipts (WHR)
In India's dynamic agricultural sector, seamless access to finance is vital for farmers, traders, processors, and other agri-stakeholders. Finance Against Warehouse Receipts (WHR) is a specialised loan facility that enables businesses to secure funding by pledging warehouse receipts as collateral. With quick disbursals, flexible loan options, and competitive interest rates, South Indian Bank ensures that your agri-business thrives without financial bottlenecks.
South Indian Bank offers finance against warehouse receipts (WHR) to help farmers, traders, and agri-businesses avail liquidity from stored agricultural commodities. This facility provides short-term financial support based on warehouse receipts issued by authorised warehouses, including State and Central Warehousing Corporations, TN-Regulated Market Committees, and Empanelled Collateral Managers. Available as Short-Term Loan (STL), Cash Credit (CC), and Working Capital Demand Loan (WCDL), this financing option ensures hassle-free access to funds without the need for additional collateral.
South Indian Bank, with its strong legacy and customer-first approach, is a trusted financial partner committed to driving growth and prosperity. We support India's agricultural ecosystem with customised financial solutions, ensuring businesses have seamless access to funds. Our WHR finance facility offers hassle-free approvals, competitive rates, and flexible repayment options, helping farmers and agri-businesses access liquidity when they need it most. With no additional collateral required, we provide a secure and transparent borrowing experience tailored to your business needs.
KYC documents, Last 1-year bank statement (if available), Residence proof, Land records
Online Application:
Offline Application:
To get answers to the frequently asked queries
This loan provides financial assistance to farmers, traders, and processors against warehouse receipts of agricultural commodities.
Individual farmers, SHGs, JLGs, FPOs, traders, and food/agro-processing units.
Up to Rs1,000 lakhs, depending on the value of the warehouse receipt.
No additional collateral is required; loans are secured through the pledge of warehousestocks.
Interest rates start from 1-year MCLR + 0.50% onwards.
The maximum tenure is 12 months.
The processing fee ranges from 0.50% to 1.50% of the loan amount.
Yes, the loan is available for commodities covered by authorised warehouse receipts.
Processing times may vary, but South Indian Bank ensures quick approvals to meet urgent financial needs.
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