Complete project report for kapda dukan, readymade garment shop, or textile store bank loan — stock, fixtures, working capital, revenue projections. Bank-ready in 60 seconds.
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| Item | Estimated Cost |
|---|---|
| Shop Interior (renovation, paint, lighting) | ₹50,000–₹2,00,000 |
| Display Counters & Shelving | ₹30,000–₹1,00,000 |
| Mannequins & Hangers | ₹10,000–₹30,000 |
| Air Conditioner (1–2 units) | ₹30,000–₹80,000 |
| Billing Machine / POS / Software | ₹8,000–₹25,000 |
| Initial Stock — Sarees, Suits, Readymades | ₹1,00,000–₹5,00,000 |
| Sign Board & Branding | ₹10,000–₹30,000 |
| Pre-operative & Misc. Expenses | ₹10,000–₹25,000 |
Yes. Cloth shops and readymade garment stores are commonly funded under MUDRA Kishor (₹50K–₹5L) and MUDRA Tarun (₹5L–₹10L). For shops needing a large initial stock investment or lease deposit, PMEGP (up to ₹25L in urban areas) is also available. A project report is required for MUDRA Kishor and above. Key documents: Aadhaar, PAN, shop lease agreement, Udyam registration.
A cloth shop project report must include: (1) Shop area and location details, (2) Product categories — sarees, suits, dress material, readymade garments, (3) Project cost — interior, display systems, AC, initial stock, (4) Monthly stock requirement and turnover calculation, (5) Revenue projections based on daily footfall and average bill value, (6) Working capital — stock on hand and credit given to customers, (7) Loan repayment schedule with DSCR ≥ 1.25 (trading business), and (8) CMA data for CC limit (if applying for working capital).
Under MUDRA Shishu: up to ₹50,000 (for very small paan/handkerchief-type stalls). Under MUDRA Kishor: ₹50,000–₹5 lakh (for a small garment shop needing initial stock and fixtures). Under MUDRA Tarun: ₹5–₹10 lakh (for a medium shop with display systems, AC, broader stock). A detailed project report is required for Kishor and Tarun. Banks typically prefer shops with a lease agreement of at least 3 years.
Gross profit margin in cloth/garment retail is typically 25–45% on MRP (depending on brand and category). A small cloth shop (300–400 sq ft) with monthly sales of ₹3–₹5 lakh earns net profit of ₹20,000–₹60,000/month. A medium shop (600–800 sq ft) in a market area can earn ₹1.5–₹3 lakh in net monthly profit. The project report should show Year 1 at 50–60% capacity utilization, growing to 75–80% by Year 3.
GST registration is not mandatory for loans below ₹20 lakh but is highly recommended. For PMEGP loans and larger MSME loans, GST registration significantly improves approval chances. Cloth/textile businesses with turnover above ₹40L (₹20L in special category states) must register for GST. For bank loans, shop owner GST registration demonstrates formal business status and helps in CC limit (working capital) sanction.
MUDRA loans for cloth shops are charged at 9–12% per annum depending on the lending bank. SBI, Bank of Baroda, and Canara Bank typically offer the lowest rates (9–10%). Private banks charge 11–14%. The working capital (CC limit) rate is usually slightly higher (0.5–1% above TL rate). Your project report must show DSCR ≥ 1.25 (since it's a trading business) for every repayment year.