How to get a loan against my stored crop (warehouse receipt)?

Yes, this is exactly what pledge finance against a warehouse receipt is built for, and it can save you from a distress sale. The idea is simple: you deposit your cleaned, dried grain in a registered warehouse, the warehouse issues you a receipt that proves you own that stock, and a bank gives you a loan against that receipt instead of you selling the grain. To get the best protection, deposit in a warehouse registered with the WDRA (Warehousing Development and Regulatory Authority), because then you get an electronic Negotiable Warehouse Receipt, called an e-NWR, which banks accept easily. The steps are: take your produce to a WDRA registered warehouse, get it graded and stored, receive the e-NWR in the electronic repository linked to your account, then approach a bank with that receipt for a loan. Banks usually lend a portion of the value of the stored stock, often somewhere in the broad range of 60 to 80 percent depending on the commodity and bank policy, and you pay storage charges plus loan interest. When prices improve, you sell, repay the loan, and pocket the higher price. Confirm the exact margin, interest rate and eligible commodities with the warehouse and your bank, and check the WDRA portal for the list of registered warehouses near you, because terms change.