- Warehousing Development and Regulatory Authority (WDRA) does not guarantee any loan to applicant through e-Kisan Upaj Nidhi. e-Kisan Upaj Nidhi is a platform to facilitate the borrower and lenders (banks) by providing access of borrower's e-NWRs recorded in WDRA registered repositories. Loan applicants are advised to rely on their own judgement and conduct due diligence while applying for loan through e-Kisan Upaj Nidhi platform.