Bank-ready besan mill project report — project cost ₹5–40 Lakh, CMA data, DSCR ≥ 1.50 and 5-year projections for PMFME, PMEGP, MUDRA Tarun.
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Starting a besan (gram flour) mill is a profitable food processing venture, especially with growing demand for packaged besan across India. For an MSME loan under schemes like PMFME, PMEGP, or MUDRA Tarun, a bank-ready project report is essential. This report includes CMA data, DSCR calculations, and 5-year financial projections, demonstrating viability to lenders. A typical project cost ranges from ₹5–40 lakh, covering machinery, land, working capital, and preliminary expenses. Our guide covers the exact cost breakdown, machinery list, subsidy eligibility (up to 35% under PMFME), and step-by-step documentation. Whether you're in Rajasthan, Uttar Pradesh, or Madhya Pradesh, this page helps you prepare a professional project report for bank loan approval.
Any Indian entrepreneur (individual, partnership, or company) can apply. For PMFME (Ministry of Food Processing), the loan is up to ₹10 lakh with 35% capital subsidy (max ₹3.5 lakh). PMEGP offers margin money subsidy of 15-35% for projects up to ₹50 lakh. MUDRA Tarun provides loans up to ₹10 lakh without subsidy but with easier documentation. CGTMSE collateral-free guarantee up to ₹2 crore is also available. Key eligibility: good CIBIL score (preferably 750+), viable project report, and relevant experience or training. Women and SC/ST entrepreneurs get higher subsidy under PMEGP.
A typical 100-200 kg/hr besan mill costs around ₹10-15 lakh. Major components: Gram splitting machine (chana dal mill) ₹1.5-3 lakh, besan grinding mill (stone or stainless steel) ₹2-5 lakh, pulse polisher ₹0.5-1 lakh, packing machine (semi-automatic) ₹1-2 lakh, and other equipment like elevator, screw conveyor, and storage bins (₹1-2 lakh). Land and building (500-1000 sq ft) ₹2-5 lakh (rented or owned). Working capital for 2-3 months: ₹2-4 lakh. Preliminary expenses like registration, electricity connection, and project report: ₹0.5-1 lakh. Total varies based on capacity and automation.
Submit these with your project report: 1) Identity proof (Aadhaar, PAN), 2) Address proof, 3) Business registration (GST, MSME Udyam, FSSAI license), 4) Bank statements (last 6 months), 5) Income tax returns (last 2-3 years), 6) Quotations and invoices for machinery, 7) Land documents (lease deed or ownership), 8) Project report with CMA data, DSCR, and 5-year projections, 9) Caste/category certificate (if applying for subsidy), 10) Experience/training certificate (if any). For PMEGP, also include the project proposal approved by KVIC/DIC.
Every report is formatted to the exact standards required by Indian banks and government departments.
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Accurate besan mill economics: NIC 10617, ₹5–40 Lakh project cost, machinery & raw material.
Scheme-ready for PMFME, PMEGP, MUDRA Tarun.
Bankable financials (CMA, DSCR ≥ 1.50, P&L, Balance Sheet, Cash Flow).
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A typical besan mill project costs ₹5–40 Lakh depending on scale, location and machinery. The report breaks down land/building, machinery, working capital and pre-operative costs.
PMFME, PMEGP, MUDRA Tarun are commonly used. Banks fund ~75–90% of project cost as term loan + working capital.
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Under PMFME, the maximum loan is ₹10 lakh with 35% capital subsidy (max ₹3.5 lakh). The subsidy is released after the loan is disbursed and the unit is operational. You must contribute at least 10% margin money.
Yes, under CGTMSE, loans up to ₹2 crore are collateral-free for MSMEs. However, banks may still require collateral for amounts above ₹10 lakh. MUDRA loans up to ₹10 lakh are also collateral-free.
A professional project report can be prepared in 2-3 days if you provide all necessary documents. It includes CMA, DSCR, and projections. Many CA firms and online platforms offer this service for ₹3,000-8,000.
Banks usually require a Debt Service Coverage Ratio (DSCR) of at least 1.25. For a besan mill with 60-70% capacity utilization, the DSCR often ranges between 1.5-2.0, making it a viable project.