Authority & official source
Scheduled commercial banks, SIDBI, NABARD and state co-operative banks.
Verify on sidbi.inQuick facts
- Authority
- Banks / SIDBI / NABARD / cooperative banks
- Nature
- Term loan + working capital, with CGTMSE / interest concessions
- Project Type
- Cold storage, cold chain, processing units
- Route
- Direct to bank or via HyperCold banking checklist
- Verify
- Your selected bank's MSME desk + sidbi.in / nabard.org
What MSME financing covers
- Project term loan for cold room civil + PUF + refrigeration + electrical
- Working capital for operations, electricity and consumables
- CGTMSE credit guarantee for eligible MSME borrowers (collateral-free up to limit)
- SIDBI / NABARD refinance schemes for select projects
Why bank appraisal matters for any scheme
Almost every subsidy scheme — MIDH, NHB, AIF, PMFME — is credit-linked. Without a bank-sanctioned term loan, those subsidies cannot be released. A clean bank appraisal is therefore the single most leveraged step in any cold storage project.
Typical loan structure
- Promoter equity (margin money) as per bank policy
- Term loan for capital cost, tenure typically 5–10 years
- Moratorium during construction / commissioning
- DSCR-driven repayment schedule
Interactive eligibility check
Tick what's already true for your project. Your recommended next steps and CTA update live. Indicative only — final eligibility is per the official scheme guidelines.
Start with the basics first
You're at an early stage. Focus on building the foundation before applying — land, project plan and bank conversations come first.
- Constitution clear (proprietorship / partnership / LLP / private limited / FPO)
- Udyam registration (MSME) in place
- Land / shed in applicant's name or long-term lease
- DPR with cost, viability and DSCR ready
- …and 2 more
Typical documents required
- KYC of proprietor / partners / directors
- Udyam, PAN, GST (where applicable)
- Land documents
- DPR with project cost and means of finance
- Vendor quotation (cold room / refrigeration)
- Financial statements / ITRs (last 2–3 years)
- Existing loan statements and collateral documents
Application route — step by step
- 1Shortlist 2–3 banks (PSU, private, cooperative) and confirm MSME desk contact
- 2Prepare DPR, vendor quotation and document set per Banking Checklist
- 3Submit term-loan application; bank does pre-sanction visit
- 4Sanction letter → acceptance → documentation → first disbursement
- 5Trigger linked scheme (MIDH / NHB / AIF / PMFME) on the sanctioned loan
Frequently Asked Questions
Related Project Guides
Want HyperCold to help structure this project?
We can prepare the cold room technical scope, quotation and DPR coordination so your bank and the scheme authority have what they need. Final approval is always by the bank and the scheme authority.