This page provides a comprehensive project report for a Besan Mill (Gram Flour Mill) under the MUDRA Tarun scheme, specifically for businesses with project costs between ₹5 lakh and ₹40 lakh. Classified under NIC 10617 (Manufacture of grain mill products), this report is essential for entrepreneurs seeking bank loans under the MUDRA Yojana. A bank-ready project report includes critical financial data such as CMA (Credit Monitoring Arrangement) data, Debt Service Coverage Ratio (DSCR), and 5-year financial projections. These elements demonstrate the viability and repayment capacity of the business to lenders. The report covers project cost estimates, machinery specifications, working capital requirements, and subsidy eligibility under government schemes like PMEGP or state food processing policies. Whether you are setting up in a rural area or an urban cluster, this report helps you secure funding up to ₹10 lakh under MUDRA Tarun. Use this as a template to customize your own proposal.
To apply for a MUDRA Tarun loan for a besan mill, the applicant must be an Indian citizen aged 18 years or above. The project cost should be between ₹5 lakh and ₹40 lakh, with the loan amount not exceeding ₹10 lakh under Tarun category. The business must be a new or existing micro enterprise in food processing. Priority is given to SC/ST/OBC, women, and minority entrepreneurs. The applicant should have a viable business plan and a good credit history. No collateral is required as the loan is covered under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) up to ₹10 lakh. The unit must comply with FSSAI registration and local municipal norms.
A typical besan mill project cost of ₹10 lakh includes: land & building (rented assumed), plant & machinery (besan grinder, pulverizer, sieving machine, packaging unit) costing ₹4.5 lakh, working capital for raw materials (chana dal) ₹3 lakh, and other expenses (electricals, installation, preliminary expenses) ₹2.5 lakh. Under MUDRA Tarun, the bank finances up to ₹10 lakh (if project cost ≤ ₹10 lakh) or up to 100% of the project cost subject to ceiling. The borrower's contribution is nil for loans up to ₹10 lakh under MUDRA. Subsidy is not directly under MUDRA, but if the unit is registered under PMEGP, a subsidy of 15-35% (max ₹15 lakh) may apply. The repayment period is 3-5 years with a moratorium of 6 months.
For a MUDRA Tarun besan mill loan, you need: 1) KYC documents (Aadhaar, PAN, Voter ID), 2) Business proof (GST registration, FSSAI license, Udyam registration), 3) Project report with CMA data, 4) Bank statements for last 6 months, 5) Income tax returns for last 2 years (if applicable), 6) Quotations for machinery, 7) Rent agreement if premises are rented, 8) Caste certificate (if seeking priority), 9) Photographs of the proposed site. For existing units, additional documents like balance sheet and profit & loss statement are required. Ensure all documents are self-attested.
Step 1: Prepare a detailed project report using this template. Step 2: Register your enterprise on Udyam portal (udyamregistration.gov.in). Step 3: Obtain FSSAI license (basic registration for turnover up to ₹12 lakh). Step 4: Visit your nearest bank branch (public sector banks like SBI, PNB, or private banks like HDFC that offer MUDRA). Step 5: Submit the loan application along with project report and documents. Step 6: Bank will assess the project and may ask for clarifications. Step 7: Upon approval, loan is disbursed in phases or lump sum. Step 8: Start procurement and installation. Step 9: Claim any applicable subsidy (e.g., PMEGP) after loan disbursement. The entire process takes 2-4 weeks.
Every report is formatted to the exact standards required by Indian banks and government departments.
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MUDRA Tarun format + besan mill economics combined correctly.
Subsidy/margin money for MUDRA Tarun auto-computed.
Project cost ₹5–40 Lakh, NIC 10617.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — MUDRA Tarun (₹5L–₹10L) is commonly used for besan mill. The report is formatted to MUDRA Tarun requirements with subsidy/margin money shown.
₹5L–₹10L — computed automatically in the means-of-finance and subsidy sections.
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Under MUDRA Tarun, the maximum loan amount is ₹10 lakh. However, the project cost can be up to ₹40 lakh; for costs above ₹10 lakh, you may need to combine MUDRA with other financing or opt for a different scheme. The loan is collateral-free under CGTMSE.
MUDRA itself does not provide subsidy. However, if you register under PMEGP (Prime Minister's Employment Generation Programme), you can get a subsidy of 15-35% of the project cost (max ₹15 lakh) for manufacturing units. The subsidy is released after loan disbursement.
Key machinery includes a besan grinder (pulverizer) with capacity 50-100 kg/hr, a sieving machine (vibratory sifter), a packaging machine (semi-automatic), and weighing scales. Total cost for a 10 lakh project is around ₹4.5 lakh. Ensure machines are ISI marked and from reputed suppliers.
Yes, women entrepreneurs get priority under MUDRA and may have lower interest rates (typically 1-2% less). Under PMEGP, women get a higher subsidy (35% vs 25% for general category). Also, some state governments offer additional capital subsidies for women-owned units.