AI-generated project report for flour mill (atta chakki) loans accepted by all Indian banks. Covers stone mill, roller mill, or multi-grain setup. With machine cost, grinding capacity, raw material plan, and DSCR.
आटा चक्की / फ्लोर मिल के लिए प्रोजेक्ट रिपोर्ट — 60 सेकंड में तैयार
No credit card • 1 free report • Ready in 60 seconds
Flour mills (atta chakki) are among the most essential and evergreen small businesses in rural and semi-urban India. From a simple 5HP chakki to a commercial roller mill, the industry feeds millions daily. Flour milling is classified as food processing manufacturing — making it eligible for PMEGP (15–35% subsidy), MUDRA loans, and MSME term loans. The Ministry of Food Processing Industries (MoFPI) also provides grants for food processing clusters. A project report with grinding capacity, raw material cost, milling charges/selling price, and DSCR is required for all loans above ₹2 lakh.
Every report is formatted to the exact standards required by Indian banks and government departments.
Create your account in 30 seconds — no credit card needed.
Enter applicant details, select the scheme, set your loan amount.
Our AI drafts the full report with financials, projections, and CMA data in under 60 seconds.
Export PDF on the free plan (branded). Upgrade for clean exports plus Word (.docx) + Excel (.xlsx). Submit to bank or DIC office.
Capacity model: motor HP × grinding rate (kg/hour) × operating hours × working days
Two revenue streams: milling charges (chakki-on-hire) and purchase/resell packaged flour
Raw material plan: wheat, rice, maize, multi-grain — per kg processing cost
PMEGP food processing category with 15–35% subsidy correctly modelled
MoFPI PMFME (PM Formalization of Micro Food Processing) scheme integration
FSSAI compliance cost included in project expenses
Working capital for raw grain inventory (15–30 days stock)
DSCR ≥ 1.25 with 60% utilization in Year 1, growing to 85% by Year 3
Small stone chakki (home + retail service, 5HP): ₹80K–₹1.5L including machine, stone, motor, and installation. Medium commercial chakki (10–20HP, grain dealer + retail): ₹2L–₹5L. Commercial roller mill (wheat to refined flour + packaging): ₹10L–₹50L. Branded packaged flour unit with separator, purifier, and packaging: ₹25L–₹1Cr+.
Model A — Chakki service: customers bring grain, you mill for ₹2–₹5/kg milling charge. Capacity: 500–2000 kg/day × ₹3/kg = ₹1,500–₹6,000/day revenue. Model B — Purchase and resell: buy wheat @ ₹22/kg, mill and sell atta @ ₹28/kg (₹6/kg margin, minus power and labour). Model B has higher volume but more working capital risk.
Yes. Flour milling (wheat, rice, dal) is classified as food processing manufacturing under PMEGP. Maximum project cost: ₹50L. Subsidy: 15% urban, 25% rural, 35% SC/ST/women. You must register a new unit (not a change of ownership), undergo EDP training, and operate the unit for at least 5 years post-subsidy.
Small stone chakki (5HP): 3.7 kW, single phase, 3–4 units/hour. Medium mill (20HP): 15 kW, 3-phase, 10–12 units/hour. Commercial roller mill (100HP+): 75 kW+, 3-phase industrial connection. Electricity cost is a major operating expense — model it carefully at local tariff rates. Power backup (generator) adds ₹1L–₹5L capex for commercial mills.
PM Formalization of Micro Food Processing Enterprises (PMFME) scheme provides credit-linked subsidy of 35% of eligible project cost (up to ₹10L per unit) for existing micro food processing units formalizing under FSSAI. New flour mills can also apply. Benefits: subsidy on plant and machinery, cold storage, packaging, and branding support. Apply through the State Nodal Agency designated by MoFPI.