Bank-ready agarbatti manufacturing report under MUDRA Kishor — project cost ₹2–25 Lakh, subsidy, CMA data, DSCR ≥ 1.50 and 5-year projections.
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Are you planning to start an agarbatti manufacturing unit in India with MUDRA Kishor loan (₹2–25 lakh)? A bank-ready project report is your first step to secure funding under NIC 32909. This page provides a complete MUDRA Kishor Agarbatti Manufacturing Project Report format with subsidy details, specifically designed for entrepreneurs and CAs. The report includes critical financial data: CMA (Credit Monitoring Arrangement) format, Debt Service Coverage Ratio (DSCR) above 1.25, and 5-year projected profit & loss, balance sheet, and cash flow statements. It also covers project cost breakup (land, machinery, working capital), term loan and working capital limits, and margin money calculations. With MUDRA Kishor, you can avail up to ₹25 lakh without collateral under CGTMSE coverage. Whether you are in Delhi, Mumbai, or a small town, this ready-to-use template helps you present a professional proposal to banks like SBI, PNB, or Canara Bank. Download the editable Excel/PDF format and increase your loan approval chances.
Any Indian citizen above 18 years with a viable agarbatti manufacturing project can apply. No collateral required under CGTMSE for loans up to ₹10 lakh; for ₹10–25 lakh, collateral may be needed but CGTMSE cover is available up to ₹2 crore. The business must be non-farm and non-corporate (proprietorship, partnership, LLP, or private limited). Prior experience is not mandatory but a project report showing market demand and technical feasibility is essential. The applicant should have a good credit history (CIBIL 650+ preferred). For PMEGP subsidy, the applicant must be at least 18 years old and have passed 8th standard for projects above ₹10 lakh.
Total project cost for a small agarbatti unit ranges from ₹2 lakh to ₹25 lakh. Typical cost breakup: Land & building (rented or owned) – ₹0–2 lakh; Plant & machinery (agarbatti rolling machine, mixer, dryer, packaging) – ₹1–10 lakh; Working capital (raw materials like bamboo sticks, charcoal powder, fragrance oils, packaging) – ₹1–13 lakh. Under MUDRA Kishor, bank finance up to 90% of project cost (max ₹25 lakh). Margin money: 10% for general category, 5% for SC/ST/OBC/women. Subsidy under PMEGP: 15–25% of project cost (max ₹10 lakh for general, ₹20 lakh for special categories). Interest rate: MCLR + 2–4% (effective ~9–12% p.a.). Repayment: 3–5 years with moratorium of 6–12 months.
Standard documents: Aadhaar, PAN, address proof, passport-size photos, business plan/project report (CMA format), bank statements (last 6 months), IT returns (last 2 years if applicable), quotation of machinery, rent agreement (if premises rented), and caste certificate (for subsidy). For existing businesses: GST registration, trade license, and audited financials. The project report must include DSCR calculation (minimum 1.25), breakeven analysis, and repayment schedule. Banks also ask for a detailed market survey showing demand for agarbatti in your target area. Ensure all documents are self-attested and in order to avoid delays.
Every report is formatted to the exact standards required by Indian banks and government departments.
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MUDRA Kishor format + agarbatti manufacturing economics combined correctly.
Subsidy/margin money for MUDRA Kishor auto-computed.
Project cost ₹2–25 Lakh, NIC 32909.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — MUDRA Kishor (₹50K–₹5L) is commonly used for agarbatti manufacturing. The report is formatted to MUDRA Kishor requirements with subsidy/margin money shown.
₹50K–₹5L — computed automatically in the means-of-finance and subsidy sections.
Register free, pick the scheme & loan amount, and the AI drafts the full bank-ready report (CMA data, DSCR, 5-year projections) in under 60 seconds. First report free; clean exports ₹499.
Under MUDRA Kishor, the maximum loan amount is ₹25 lakh. The loan is part of the MUDRA scheme's Kishor category (₹5 lakh to ₹25 lakh). For projects above ₹10 lakh, a detailed project report is mandatory. The loan covers both term loan (machinery) and working capital.
No collateral is required for loans up to ₹10 lakh under CGTMSE. For loans between ₹10 lakh and ₹25 lakh, collateral may be asked, but CGTMSE cover is available up to ₹2 crore, reducing the need for additional security. Many banks accept the CGTMSE guarantee instead of collateral.
Under PMEGP, subsidy is 15% of project cost for general category (max ₹10 lakh) and 25% for SC/ST/OBC/women/minorities (max ₹20 lakh). For example, if your project cost is ₹10 lakh, general category gets ₹1.5 lakh subsidy, special categories get ₹2.5 lakh. The subsidy is released after loan disbursement.
Banks expect a Debt Service Coverage Ratio (DSCR) of at least 1.25 for the first year and improving to 1.5–2.0 over the loan tenure. DSCR = (Net Profit + Depreciation + Interest) / (Principal Repayment + Interest). A higher DSCR indicates better repayment capacity.