Commodity Pledge Loan

Get instant funds by pledging your agricultural commodities without selling them at the wrong time.

Up to 80% Value | Quick Disbursal | Secure Warehousing

Liquidity for Your Agri Business

Your stored commodities are valuable assets — and with Kirti Financial Services, you can convert them into working capital without selling them under pressure.Our Commodity Pledge Loan is designed for farmers, traders, and agri-businesses who want to manage cash flow smartly while retaining ownership of their produce. With quick processing, scientific valuation, and secure storage, you get the flexibility to sell when market conditions are right.

Built for Agri Growth & Flexibility

Our pledge loan solutions are structured to give you quick liquidity, better control over your produce, and the confidence to make smarter selling decisions.

Quick Access to Funds

Fast processing and disbursal to meet immediate financial needs.

High Loan Value

Avail up to 70–80% of your commodity’s market value based on current rates.

Flexible Tenure

Short-term loans aligned with crop cycles and market timing.

Competitive Interest Rates

Cost-effective financing tailored for agri and commodity businesses.

Retain Ownership

Hold your stock and sell at the right time to maximize profits.

Secure Storage

Commodities are stored safely in approved and insured warehouses.

Who Can Apply

Designed for individuals and businesses across the agri value chain

Eligible Applicants

Farmers, FPOs, traders, commission agents, processors, exporters, and agri-based SMEs.

KYC & Business Proof

PAN, Aadhaar, address proof, and business documents (if applicable).

Warehouse & Financials

Warehouse receipt, bank statements, and financial records (for higher limits).

Disclaimer: Loan approval and amount are subject to commodity valuation, storage standards, and internal assessment.

Simple Steps to Access Funds

Our structured process ensures you can easily convert your stored commodities into working capital without delays or complexity.

Step 1: Store Your Commodity

Deposit goods in an approved or WDRA-accredited warehouse.

Step 2: Get Warehouse Receipt

Obtain WR/NWR as proof of stored commodities.

Step 3: Apply for Loan

Submit your application along with required documents.

Step 4: Valuation & Approval

Commodity is evaluated and loan is sanctioned.

Step 5: Disbursal

Funds are credited directly to your bank account.

Step 6: Repayment & Release

Repay the loan to release and reclaim your stock.

Apply Now

Don’t Sell Under Pressure. Borrow Smartly.

Hold your produce, access funds, and sell when the market works in your favor.

Quick Funds | Retain Ownership | Better Price Advantage

Apply Now

Your Trusted Partner in Agri Finance

Kirti Financial Services combines deep agri-finance expertise with a customer-first approach to support farmers and agri businesses. Our transparent processes, fast turnaround, and strong network ensure a reliable financing experience.

Agri Finance Expertise

Strong understanding of agricultural markets and commodity cycles.

Quick Turnaround Time

Faster processing to ensure timely access to funds.

Transparent Pricing

No hidden charges — clear and fair loan terms.

Wide Warehouse Network

Access to approved storage facilities across multiple locations.

Dedicated Support

Relationship managers to guide you at every step.

Tech-Enabled Process

Efficient systems for faster approvals and tracking.