Warehouse Receipt and Quality Certificate Extraction

• Head of Commodity Finance
• Collateral Manager
• Credit Operations Manager, Agri NBFC
• Operations Head, Warehouse Service Provider

Loans against stored commodities depend on documents that must agree with each other: the warehouse receipt or e-NWR, the assayer's quality certificate, stack cards, insurance cover and the loan terms. When these are checked by hand, a mismatch in quantity, grade or validity date can slip through until there is a problem with the stock.

We build a pipeline that reads each commodity finance file: physical or electronic warehouse receipts, quality certificates, stack cards, insurance policies and the borrower's loan request. It extracts receipt number, depositor, warehouse, commodity, variety, quantity, weight, quality parameters and validity dates. The system then matches documents against each other and against the loan terms, checking quantities, grade, lien status, insurance and expiry dates. Quality parameters are compared with the lender's acceptance norms for that commodity. Each check links to its source on the page. Clean files move to the loan system; mismatches and borderline quality results go to the collateral manager's exception queue, with an audit trail of every change.

• Extracts warehouse receipt, e-NWR and stack card fields
• Reads quality certificates from different assayers into one schema
• Matches quantity, weight, commodity and grade across documents
• Checks receipt, insurance and loan tenure dates
• Compares quality parameters with commodity acceptance norms
• Exception queue and audit trail for collateral managers

1. 01Receive the finance fileReceipts, certificates, stack cards and insurance documents arrive from the warehouse provider, a repository statement or the borrower.
2. 02Extract fieldsEach document is classified and its fields extracted with confidence scores and page references.
3. 03Cross-match documentsQuantities, commodity, grade and dates are matched across all documents in the file.
4. 04Check against loan termsValidity, insurance, lien status and quality parameters are compared with the loan request and acceptance norms.
5. 05Exception reviewMismatches and borderline results go to the collateral manager, who confirms, corrects or rejects.
6. 06Hand over to the loan systemStructured collateral data and the audit trail move to the loan and collateral systems.

1. Ingestion
   • Warehouse provider and borrower uploads
   • Repository statement import, where available
   • File grouping by loan request
2. Extraction
   • OCR with table detection
   • Document classifier
   • LLM extractor with receipt and certificate schemas
3. Matching and rules
   • Cross-document matcher
   • Tenure and insurance date checks
   • Commodity acceptance norm rules
4. Review
   • Exception queue with source highlights
   • Reviewer decision capture
5. Integration and audit
   • Loan management system adapter
   • Collateral register update
   • Audit log

Collateral managers and credit officers review every mismatch, borderline quality result and expiry gap. Disbursal decisions and physical stock inspection remain with the lender and its collateral manager.

• Loan management system
• Collateral or warehouse management system
• e-NWR repository statements, where the lender has access
• Document management system
• Insurance records

• No disbursal decision made by the system
• Acceptance norms configured and versioned by the credit team
• Every extracted value linked to its source page
• Alerts ahead of receipt or insurance expiry
• Sample-based review of auto-cleared files

• Designed for lending against receipts issued by warehouses registered under the Warehousing (Development and Regulation) Act 2007 and regulated by WDRA.
• Keeps an audit trail that supports internal audit and RBI expectations on credit documentation.

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