NOVELTY - Microbial fertilizer comprises 25-35 wt.% bacteria, 10-21 wt.% diatomaceous earth, 8-18 wt.% additives and 18-24 wt.% soluble starch, where the bacteria is chosen from endophytic Bacillus subtilis strain 802-K and endophytic B.subtilis strain 802-S in a weight ratio of 1:1.    USE - The microbial fertilizer in form of wettable powder is useful for controlling cold injury in plants chosen from rice, maize and wheat (all claimed) by inducing generation of superoxide dismutase (SOD) in plant cells at low temperature.    ADVANTAGE - The microbial fertilizer provides nutritional elements required for growth of plants, and prevents plant cells from being injured preferably damage caused due to sterile-type cold injury in rice plants.    DETAILED DESCRIPTION - An INDEPENDENT CLAIM is included for method for preparing the above-mentioned microbial fertilizer, which involves (a) culturing microorganisms by (i) preparing slant cultures of the B.subtilis strain 802-K and B.subtilis strain 802-S using nutrient agar medium and incubating cultures at 37 degrees C for 16 hours, (ii) transferring the cultures to flask and incubating the cultures at 37 degrees C for 16 hours, (iii) inoculating obtained culture in seed tank containing suitable medium for cultured microorganisms and performing culturing process at 37 degrees C, 30 m3/hour (aeration rate) and 175 revolutions per minute (rpm) for 12-16 hours, (iv) fermenting cultures of the B.subtilis strain 802-K and B.subtilis strain 802-S in fermenter at 37 degrees C, 350 m3/hour (aeration rate) and 96 rpm for 16-20 hours, (v) subjecting obtained fermentation broth to pressure filtration and collecting filtrate, and (vi) drying the filtrate at inlet temperature of 80 degrees C to obtain the B.subtilis strain 802-K and B.subtilis strain 802-S powders, and (b) preparing the microbial fertilizer by adding the above-mentioned fertilizer components with the microbial powders being added in a mass ratio of 1:1 in the above-mentioned weight proprotions, mixing the components uniformly and crushing the mixture to obtain 800 mesh size powder as microbial fertilizer.