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Cold Storage Loan

Bank Name Min Interest Rate Processing Fee Max Loan (Lacs) Max Tenure (Month) Chances of Loan Approval
7.50% 1% 1500 120
8.40% 1% 1500 120
8.00% 1% 1000 120
7.80% 1% 1500 120
7.90% 1% 1000 120
7.50% 1% 1000 120
7.50% 1% 1500 120
7.80% 1% 1500 120
7.80% 1% 1500 120
7.75% 1% 1000 120
7.50% 1% 1500 120
7.70% 1% 1500 120
7.90% 1% 1000 120
7.80% 1% 1000 120
8.00% 1% 1500 120
8.50% 1% 1500 120
8.75% 1% 1000 120
8.75% 1% 1000 120
8.90% 1% 1500 120
8.90% 1% 1500 120
8.95% 1% 1000 120
8.50% 1% 1500 120
8.75% 1% 1500 120
8.60% 1% 1000 120
8.75% 1% 1500 120
8.75% 1% 1500 120
8.00% 1% 1500 120
8.50% 1% 1500 120
8.90% 1% 1500 120
Apply Now EMI Calculator Eligibility Criteria Documents Check List FAQs
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Eligibility Criteria

What you mean by Cold Storage loan Eligibility Criteria?

Cold storage is generally utilized to store products like meat & dairy products as different type of products requires different type of storage temperature wherein this type of storage plays a crucial role in the entire food chain process. It helps the daily used products to be usable for longer periods of time.

Cold Storage loan Eligibility Criteria

There are few eligibility criteria you are required to have a look before applying for loan -

  • • Individual & group of individuals can avail this facility
  • • Private limited, Proprietorship firm, Partnership are eligible
  • • For new project, required to submit achievability of project to bank
  • • For existing project, profitable of last 3 FY proof to be attached
  • • Limitation of Storage should be not exceed than 500MT
  • • Background of promoter should be good

Note: - You can avail up to 80% of project cost as a loan amount.

What are the factors generally affecting Cold Storage loan Eligibility Criteria?

There are Top factors that generally affects loan Eligibility Criteria as given below-

CIBIL Score: - Firstly, Lenders check your CIBIL Score to know your past financial & transaction history to evaluate how capable you are at repaying loan or managing transaction. If your CIBIL Score is below 750, then it's likely that you are not eligible to apply for a Home Loan, but if its above 750 you can easily apply & get a Home Loan at competitive rates.

Previous loan defaults: - If you ever applied for loan from other financial institution & due to any reason your loan application gets rejected then probably it will lower your eligibility.

Business loss on recent year: -Business loss on recent year: - Lender will check whether your last 3 years of business is on profits or loss, if it's on loss wherein your chances of getting loan lowers.

What are the ways to increase Cold Storage loan eligibility?

To increase Cold Storage loan eligibility, you need to consider points as given below, this will aid you in increasing your eligibility level.

Maintain good credit report: - To increase your eligibility you must maintain good credit report by always making payments on time, avoid taking multiple credit cards as it will help you to increase your eligibility.

Recover existing loan: - Lender will check whether you have any existing ongoing loan, if yes then make sure to you close it earlier before applying for loan.

Documents Required

INDIVIDUAL

  1. PAN CARD COPY

  2. AADHAR CARD + PASSPORT

  3. ADDRESS PROOF IF RENTED ALSO REQUIRED PERMANENT ADDRESS PROOF

  4. LAST 3 YEARS FORM -16, ITR WITH COMPUTATION OF INCOME IF FILE

  5. LAST 1 YEAR BANK STATEMENT - SALARY ACCOUNT

  6. LOAN SCHEDULE & SANCTION LETTER (IF RUNNING)

  7. COMPLETE PROPERTY PAPERS WITH CHAIN & MAP +ATS

  8. PROCESSING FEE CHEQUE IN FAVOUR OF BANK

  9. PROJECTED FINANCIAL

  10. PROJECT FEASIBILITY REPORT

  11. COMPANY PROFILE & MANAGEMENT PROFILE

  12. ISO CERTIFICATE & MSME CERTIFICATE

  13. POLLUTION CERTIFICATE

  14. CMA DATA

  15. MACHINE QUOTATION

  16. BUILDING CONSTRUCTION ESTIMATE

  17. LAST 3 MONTHS SALARY SLIP + APPOINTMENT LETTER

PROP FIRM

  1. PAN CARD CLEAR COPY PROPRIETOR

  2. ADDRESS PROOF (PASS PORT, VOTER ID CARD) PROPRIETOR

  3. OFFICE ADDRESS PROOF LATEST (ELECTRICITY BILL, TELEPHONE BILL)

  4. FIRM REGISTRATION CERTIFICATES & GST REGISTRATION COPY

  5. LAST 1 YEAR GST RETURN COPY

  6. FIRM 3 YEARS ITR COMPUTATION, PROFIT LOSS A/C, BALANCE-SHEET, TAX AUDIT REPORT, ALL SCHEDULED & ANNEXURE

  7. PROVISIONAL FINANCIAL AY 2019-20

  8. BANK ACCOUNTS (CURRENT ACCOUNT, CC ACCOUNT, OD ACCOUNT LAST 1 YEAR UPDATED)

  9. 6 MONTH SAVING ACCOUNT STATEMENT UPDATED (PROPRIETOR)

  10. IF RUNNING ANY LOAN PLEASE PROVIDE SANCTION LETTER AND REPAYMENT SCHEDULED

  11. AGREEMENT TO SELL COPY

  12. PROPERTY PAPERS WITH CHAIN SANCTION MAP

  13. PROJECTED FINANCIAL

  14. PROJECT FEASIBILITY REPORT

  15. COMPANY PROFILE & MANAGEMENT PROFILE

  16. ISO CERTIFICATE & MSME CERTIFICATE

  17. POLLUTION CERTIFICATE

  18. CMA DATA

  19. MACHINE QUOTATION

  20. BUILDING CONSTRUCTION ESTIMATE

PARTNERSHIP FIRM

  1. PARTNERS

  2. PAN CARD - COMPANY, ALL PARTNERS

  3. ADDRESS PROOF - ALL PARTNERS (PASS PORT, VOTER I PAN CARD, ADHAAR)

  4. FIRM ADDRESS PROOF- LATEST ANY UTILITY BILL

  5. PARTNERSHIP DEED COPY

  6. GST CERTIFICATE

  7. 3 YEAR COMPANY ITR COI P/L A/C BALANCESHEET + AUDIT REPORT 3CB 3CD, ALL ANNEXXURS, SCHEDULED WITH C.A.CERTIFIED

  8. PROVISIONAL FINANCIAL AY 2019-20

  9. 3 YEAR.ALL PARTNER INDIVIDUALS ITR + COMPUTATION

  10. FIRM ALL A/C BANK STATEMENT 1 YEAR UPDATED

  11. ALL PARTNER SAVING A/C STATEMENT 6 MONTH

  12. IF RUNNING ANY LOAN – LATEST SANCTION LETTER + TRACK RECORDS OR REPAYMENT SCHEDULED

  13. AGREEMENT TO SELL COPY

  14. PROPERTY PAPERS COMPLETE CHAIN WITH MAP

  15. PROJECTED FINANCIAL

  16. PROJECT FEASIBILITY REPORT

  17. COMPANY PROFILE & MANAGEMENT PROFILE

  18. ISO CERTIFICATE & MSME CERTIFICATE

  19. POLLUTION CETIFICATE

  20. CMA DATA

  21. MACHINE QUOTATION

  22. BUILDING ONSTRUCTION ESTIMATE

PVT.LTD

  1. PHOTOGRAPH

  2. CLEAR PAN CARD - COMPANY AND ALL DIRECTORS

  3. ADDRESS PROOF – COMPANY AND DIRECTORS

  4. LIST OF DIRECTOR& SHARE HOLDER WITH CA CERTIFIED AS ON DATE

  5. MEMORANDOM ORDER IN HAND AND COMPLETE COPY (IF APPLICABLE)

  6. GST, SALE, VAT AND SSI REGISTRATION CERTIFICATE

  7. 1 YEAR GST RETURNS

  8. ALL DIRECTORS INDIVIDUALS ITR & COMPUTATION LAST 3 YEARS

  9. LAST 3 YEARS COMPLETE FINANCIAL WITH TAX AUDIT REPORT AND ANNEXURE

  10. PROVISIONAL FINANCIAL FY 2019-20 OR MONTH WISE SALE FIGURE LAST 1 YEAR

  11. COMPANY ALL BANK ACCOUNT STATEMENT 1 YEAR UPDATED

  12. ALL DIRECTORS SAVING A/C STATEMENT 6 MONTH

  13. IF RUNNING ANY LOAN – LATEST SANCTION LETTER AND REPAYMENT SCHEDULED

  14. AGREEMENT TO SELL COPY

  15. PROPERTY PAPERS COMPLETE CHAIN WITH SANCTION MAP

  16. PROJECTED FEASIBILITY REPORT

  17. COMPANY PROFILE & MSME CERTIFICATE

  18. POLLUTION CERTIFICATE

  19. CMA DATA

  20. MACHINE QUOTATION

  21. BUILDING CONSTRUCATION ESTIMATE

FAQs

Frequently asked questions (FAQ) pages are Q&A-style pages that most brands build to answer queries that slip through the cracks. FAQs are targeted to give a complete sense of query satisfaction to the client.

What is the current Interest Rate of School Loan?

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School Loan Interest Rate starting @14.00% onwards.

How to apply for School Loan?

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Choose your ideal banking partner, once chosen fill the enquiry form through their official website or visit nearest branch to further information.

What is School Loan?

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School Loan are provided for the construction and renovation of schools to improve educational infrastructure.

What are the other charges applicable in School Loan?

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  • Processing fee
  • Foreclosure fee
  • Part-prepayment charges
  • Stamp duty
  • Late interest penalty

How much School Loan can I get?

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You can take School Loan minimum 50,000 to 2 crores as a maximum loan amount.

Which bank provide the School Loan?

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Almost all Government Banks provide School Loan for the construction and renovation of Private Schools. Get loan at attractive Interest Rates.

How much cibil score required for School Loan?

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Minimum cibil score required for the School Loan is above 750, But some may also accept less than 750 scores depending on various factors.

What are the benefits of School Loan?

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  • Get loan up to 70%-85% of project cost
  • Flexible tenure facility
  • Minimal paperwork
  •  Simplified document processing

What will be the necessary documents required to apply for School Loan?

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Submit Application attach necessary documents, KYC documents. Copy of affiliation certificates of the school.

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Vikas Jain - Chief Advisor

Mr. Vikas Jain is a reputed Chartered Accountant possessing in-depth understand...

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Vikas Jain - Chief Advisor

Mr. Vikas Jain is a reputed Chartered Accountant possessing in-depth understand...

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