e-Kisan Upaj Nidhi
ई-किसान उपज निधि
Store your harvest in a WDRA-registered warehouse, get an e-NWR, and pledge it on jansamarth.in for a loan of up to 75% of the stock value at 7% for KCC holders — backed by a ₹1,000 crore credit guarantee so you are not forced into a distress sale.
- Launched
- 4 March 2024
- Loan against
- e-NWR from a WDRA-registered warehouse
- Interest (KCC holders)
- 7% p.a., up to 6 months / ₹3 lakh
- Loan cover
- Up to 75% of stock value
- Warehouse security deposit
- Cut from 3% to 1%
- Linked credit guarantee (CGS-NPF)
- ₹1,000 crore corpus (from 16 Dec 2024)
- Guarantee fee (farmers)
- 0.4% p.a.
- Apply at
- jansamarth.in
Quick Summary
The key points from this page in about two minutes — read it or have it read aloud.
Quick Summary
e-Kisan Upaj Nidhi solves a very specific problem: a farmer who harvests in a glut month is forced to sell immediately, at the lowest price of the season, because there is no other way to raise cash. The scheme lets you store the harvest in a WDRA-registered warehouse instead, get an electronic Negotiable Warehouse Receipt (e-NWR) for it, and pledge that e-NWR online on the JanSamarth portal for an instant post-harvest loan — up to 75% of the stock's value. Kisan Credit Card holders get it at a flat 7% per year for the first six months. The warehouse's own security deposit was cut from 3% to 1% of the stock value at the same time, so parking produce there costs less too.
A linked scheme, the Credit Guarantee Scheme for e-NWR based Pledge Financing (CGS-NPF), backs these loans with a ₹1,000 crore government corpus so a bank does not need to ask for separate collateral — the guarantee fee is a low 0.4% a year for a farmer borrower. Together the two mean a farmer can sell wheat, paddy or pulses in February instead of in the crowded, low-price weeks right after harvest, using the stored stock itself as security in the meantime. To use it, register on jansamarth.in with the same mobile number linked to your e-NWR (issued by NERL or CCRL when you deposit at the warehouse), then apply for the pledge loan online — no separate paper form or branch visit to start the process.
Overview
e-Kisan Upaj Nidhi is a digital lending platform launched by the Warehousing Development and Regulatory Authority (WDRA) on 4 March 2024, jointly with the Department of Food & Public Distribution, the Department of Financial Services and NABARD. It sits on top of the electronic Negotiable Warehouse Receipt (e-NWR) system: when a farmer deposits produce at a WDRA-registered/accredited warehouse, the warehouse issues an e-NWR through one of two repositories — National E-Repository Limited (NERL) or CDSL Commodity Repository Limited (CCRL) — recording the exact quantity, quality grade and value of what is stored. That e-NWR is a tradeable, pledgeable electronic document, not a paper slip that can be lost or duplicated.
On the JanSamarth portal, the farmer pledges the e-NWR against a loan. Kisan Credit Card holders get pledge loans at a flat 7% per year for tenors up to six months and up to ₹3 lakh; larger amounts or longer tenors are priced off the bank's MCLR plus 0.80%. Loan cover typically runs up to 75% of the stock's value. To reduce the cost of storing in the first place, the security deposit warehouses collect from a depositing farmer was cut from 3% to 1% of the commodity value at the same time as the platform's launch.
On 16 December 2024, the government layered on the Credit Guarantee Scheme for e-NWR based Pledge Financing (CGS-NPF) — a ₹1,000 crore corpus that guarantees these pledge loans so a lending bank is comfortable extending credit purely against the e-NWR, without demanding additional collateral. The guarantee covers loans up to ₹75 lakh for an individual farmer and up to ₹200 lakh for MSMEs and traders, at a guarantee fee of 0.4% per year for a farmer (1% for non-farmer borrowers). The government's stated goal is to grow post-harvest lending against e-NWRs to about ₹5.5 lakh crore over the next decade — turning warehouse receipt finance from a niche instrument into a routine part of how Indian farmers manage the weeks after harvest.
Scheme highlights
Store first, sell when the price recovers
Deposit your harvest at a WDRA-registered warehouse instead of selling immediately at the post-harvest glut price — the e-NWR you get in return is what unlocks the loan.
One digital platform for the whole loan
Register and apply for the pledge loan on jansamarth.in using the same mobile number linked to your e-NWR — no separate paper application to a bank branch to start.
7% interest for Kisan Credit Card holders
A KCC-holding farmer pays a flat 7% per year on a pledge loan of up to ₹3 lakh for up to six months, well below open-market post-harvest credit.
Cheaper to store, cheaper to borrow
The warehouse security deposit was cut from 3% to 1% of stock value, and the linked CGS-NPF guarantee means the bank does not demand separate collateral on top of the pledged stock.
Aimed squarely at ending distress sales
The entire design goal is to let a farmer hold produce and still have cash in hand, so the decision to sell is driven by price, not by an urgent need for money.
What you get
Immediate liquidity without selling
A pledge loan of up to 75% of stock value gives you cash the same season, while the produce itself stays in safe, insured warehouse storage.
Low, transparent interest
KCC holders pay a flat 7% p.a. for the first six months — far below informal or unsecured credit, and clearly published rather than negotiated case by case.
No extra collateral demanded
The CGS-NPF government guarantee backs the loan, so the bank lends against the e-NWR itself rather than asking for land or other security on top.
A stronger negotiating position at sale time
Because you are not forced to sell the day after harvest, you can track mandi prices and sell when they recover — often weeks or months later.
Who is eligible
Both lists come from the notified operational guidelines — meeting the left column is not enough if anything in the right column applies to your family.
You qualify if
- You have deposited an eligible commodity at a WDRA-registered or WDRA-accredited warehouse
- An e-NWR has been issued against that stock by NERL or CDSL Commodity Repository Limited (CCRL)
- You can register on jansamarth.in with the same mobile number linked to your e-NWR
- You hold a Kisan Credit Card, for the lowest advertised 7% rate — non-KCC borrowers can still pledge, at the bank's MCLR-linked rate
Excluded — even with land
- Produce stored in an ordinary, unregistered godown — only stock in a WDRA-registered/accredited warehouse gets an e-NWR
- Expecting the loan without an e-NWR — a paper receipt or an informal warehouse slip is not pledgeable on the platform
- Expecting the platform to buy or fix a price for your produce — it only finances storage; the sale decision and price remain yours
- Assuming the loan is free — it carries interest (7% p.a. for KCC holders on the standard tenor/amount) and a CGS-NPF guarantee fee, even though both are low
Where this scheme applies
A central scheme with pan-India coverage — open to eligible farmers in every State and Union Territory.
Documents you need
Have these ready before you start — the online form takes ten minutes when nothing is missing.
e-NWR for the deposited stock
Issued electronically by NERL or CCRL when you deposit produce at a WDRA-registered warehouse — this is the document you actually pledge.
Mobile number linked to the e-NWR
You register and log in to jansamarth.in with the same number the repository has on file, so the platform can match your identity to the receipt.
Kisan Credit Card details (if you have one)
Needed to be priced at the flat 7% KCC rate; without a KCC, the pledge loan is still available at the bank's standard MCLR-linked rate.
How to apply, step by step
The same six steps apply whether you register yourself online or sit down at a CSC.
- 1
Deposit your harvest at a registered warehouse
Find a WDRA-registered or accredited warehouse near you and deposit the produce for storage instead of selling it immediately.
- 2
Receive your e-NWR
The warehouse's repository (NERL or CCRL) issues an electronic Negotiable Warehouse Receipt recording the quantity, grade and value of your stock.
- 3
Register on jansamarth.in
Sign up using the mobile number linked to your e-NWR so the platform can pull up your eligible receipt.
- 4
Apply for the pledge loan online
Choose a participating bank on the portal, apply against the e-NWR, and receive the sanctioned amount — up to 75% of stock value, at 7% p.a. if you hold a KCC.
- 5
Sell when the price is right, then close the loan
Sell the stored produce whenever the market price improves, and repay the pledge loan from the sale proceeds to release the e-NWR.
Important dates
e-Kisan Upaj Nidhi launched
4 March 2024
By the Minister of Commerce & Industry, Consumer Affairs, Food & Public Distribution and Textiles, at Vanijya Bhawan, New Delhi
Security deposit cut
3% → 1% of stock value
Reduces the cost of depositing produce at a WDRA-registered warehouse
CGS-NPF credit guarantee launched
16 December 2024
₹1,000 crore corpus backing pledge loans against e-NWRs
Facts last checked
6 September 2026
Against the WDRA e-Kisan Upaj Nidhi page, the JanSamarth e-Kisan Upaj Nidhi portal, and PIB releases on the platform's launch and the CGS-NPF guarantee scheme
Check your eligibility
Straight from the notified criteria. Nothing you enter leaves your phone.
0 of 3 answered
This checker applies the criteria in the official operational guidelines, but it is guidance — only the state government’s verification against the land records is final.
Downloads
Official documents only — everything below is hosted on the government's own servers.
Official links & helpline
Bookmark the portal itself — no third-party site can release, block or speed up a payment.
- Warehousing Development & Regulatory Authority (WDRA)wdra.gov.in — the regulator for warehouses and e-NWRs, and the nodal authority for e-Kisan Upaj Nidhi
- JanSamarth — e-Kisan Upaj Nidhijansamarth.in — register and apply for the pledge loan against your e-NWR
- JanSamarth customer supportPhone +91-7969076111 / email [email protected] — help with registration and applications
Helpline
24×7 IVRS and help desk, run by the ministry — the call is the fastest way to check a stuck payment.
Frequently asked questions
What exactly does e-Kisan Upaj Nidhi give a farmer?
A way to borrow against harvested produce you have stored in a WDRA-registered warehouse, instead of selling it immediately. You get an electronic Negotiable Warehouse Receipt (e-NWR) for the stock, pledge it online on jansamarth.in, and receive a loan of up to 75% of its value — 7% per year for Kisan Credit Card holders on the standard tenor.
Do I need a Kisan Credit Card to use this?
No, but it helps. KCC holders get the lowest advertised rate — a flat 7% per year for tenors up to six months and loans up to ₹3 lakh. Without a KCC you can still pledge an e-NWR for a loan, priced off the bank's MCLR plus 0.80%.
How do I get an e-NWR in the first place?
Deposit your produce at a WDRA-registered or WDRA-accredited warehouse. The warehouse works with one of two repositories — National E-Repository Limited (NERL) or CDSL Commodity Repository Limited (CCRL) — which issues the e-NWR electronically, recording quantity, quality grade and value.
Is the loan free of interest?
No. It carries interest — a flat 7% per year for Kisan Credit Card holders on the standard tenor and amount, and MCLR-linked pricing otherwise — plus a small guarantee fee under the linked CGS-NPF scheme (0.4% per year for farmers). It is cheaper than most alternatives, not free.
What is the CGS-NPF and how does it help me?
The Credit Guarantee Scheme for e-NWR based Pledge Financing is a ₹1,000 crore government corpus, launched 16 December 2024, that guarantees pledge loans made against e-NWRs. It means your bank does not need to ask for extra collateral beyond the pledged stock, and it pays a low guarantee fee to access that comfort — 0.4% per year for a farmer.
Does storing in the warehouse cost more than keeping produce at home?
There is a security deposit and storage charge, but the security deposit was specifically cut from 3% to 1% of stock value to make WDRA-registered storage more affordable, and the warehouse is regulated, insured storage — reducing spoilage and pest loss that home storage does not protect against.
Can I sell the produce whenever I want after taking the loan?
Yes. You choose when to sell based on the market price; the loan simply gives you cash in the meantime. Once you sell, you repay the pledge loan from the proceeds and the e-NWR is released.
Is this scheme still active?
Yes. e-Kisan Upaj Nidhi has been operating on the JanSamarth platform since March 2024, and the linked CGS-NPF credit guarantee, launched in December 2024, remains in force to support these loans.
Still have questions?
The FAQs above cover the common ones. For anything about your specific application, the ministry helpline +91-7969076111 is the authoritative answer — and we are happy to point you in the right direction.