Agri & Rural
Agri Projects Have Seasonal Cashflows.
Most Proposals Model Them Incorrectly.
National Bank for Agriculture and Rural Development (NABARD)-aligned project finance for agri-processing, cold chain, warehousing, dairy, and farm infrastructure, with seasonal cashflow modelling built in.
Max exposure
₹25 Cr
Subsidy (PMFME)
35%
Subvention (AIF)
3%
Schemes covered
5+
Overview
A NABARD Credit Specialist Reads Your DPR Differently.
Agricultural businesses operate around production cycles, procurement windows, commodity pricing, and seasonal demand. Funding structures must reflect those realities. We build project reports and financial models around actual business cycles, not generic assumptions.
What we finance
From Farm Gate to Processing Plant.
01
Agri Processing
Funding support for processing facilities, rice mills, oil extraction units, flour mills, and value-added agricultural businesses.
02
Cold Chain & Storage
Cold storage, pack houses, controlled atmosphere facilities, and infrastructure aligned with National Horticulture Board (NHB) eligibility criteria.
03
Farm Infrastructure
Irrigation systems, protected cultivation, land development, and farm modernisation projects linked to central and state schemes.
04
Dairy & Animal Husbandry
Dairy farms, chilling centres, bulk milk coolers, and livestock-related infrastructure financed through structured proposals.
05
Warehousing
Warehousing, silos, and post-harvest infrastructure supported through Agriculture Infrastructure Fund (AIF) and related schemes.
06
FPO Finance
Farmer Producer Organisation (FPO) and cluster-based financing structures designed to improve scale and access to capital.
Deliverables
What you receive.
Tangible, dated outputs you can show to a lender, a board or a regulator.
Scheme eligibility map and selection
Bank-ready project report with subsidy linkage
Subsidy claim filing and follow-up
FPO governance and compliance setup
Post-disbursal monitoring assistance
Process
How an engagement unfolds.
STEP 01
Scheme matching
Map your project type and scale to the optimal central scheme.
STEP 02
Documentation
Build the DPR, CMA and bank-specific annexures.
STEP 03
Subsidy linkage
Maximise interest subvention and credit-linked subsidy.
STEP 04
Sanction support
Lender liaison, query response and disbursal coordination.
STEP 05
Compliance
End-use certification, audits and annual filings.
Why Stalwart
The Subsidy Must Be Built Into the Original Structure.
Subsidies, refinance support, and interest benefits influence project viability from day one. We identify and integrate applicable schemes into the funding structure before the proposal reaches the lender.
- Seasonal cashflow and Debt Service Coverage Ratio (DSCR) modelling.
- National Bank for Agriculture and Rural Development (NABARD)-aligned project reports.
- End-to-end post-sanction support and compliance.
Related practices
All services
Get in touch
Bring us your hardest
finance question.
Working capital, term loans, project finance, schemes or pre-IPO. We will tell you in the first call whether we can help, and what good looks like.