For an entrepreneur in Bihar planning a Besan Mill (NIC 10617) under the Prime Minister's Employment Generation Programme (PMEGP), a bank-ready project report is essential for loan approval and subsidy claim. This report must include detailed CMA (Credit Monitoring Arrangement) data, Debt Service Coverage Ratio (DSCR) calculations, and 5-year financial projections (profit & loss, balance sheet, cash flow). The PMEGP scheme offers a subsidy of 25% (general category) to 35% (special categories) of the project cost, capped at ₹10 lakh for manufacturing units. For a besan mill with a project cost of ₹10 lakh, the subsidy would be ₹2.5–3.5 lakh, reducing the borrower's contribution to 5% (₹50,000) and bank loan to the balance. The report must justify viability, market demand for besan, raw material (chana dal) availability, and fixed asset costs (grinder, packaging machine, etc.). It also needs to address working capital requirements, breakeven analysis, and repayment capacity. This page provides a ready-to-use project report format tailored for PMEGP besan mills, helping you save time and avoid common errors that lead to rejection.
To apply under PMEGP, the entrepreneur must be 18+ years old with at least 8th standard education (relaxable for SC/ST/women/PH). The project cost for a besan mill typically ranges from ₹5 lakh to ₹40 lakh. For a unit with a cost of ₹10 lakh, the break-up could be: land & building (assumed owned/rented), plant & machinery (grinder, pulverizer, packaging machine) ₹4.5 lakh, working capital (raw chana dal, packaging material, electricity deposit) ₹4 lakh, and miscellaneous expenses (furniture, installation, pre-operative expenses) ₹1.5 lakh. The promoter's contribution is 5% (₹50,000) for general category, and the bank loan is the remaining amount after subsidy. The subsidy is 25% (₹2.5 lakh) for general and 35% (₹3.5 lakh) for SC/ST/OBC/women/PH, capped at ₹10 lakh. The loan is repayable over 7 years including a 6-month moratorium. Ensure the project cost is realistic and based on local market rates.
The application must include: 1) Project Report (as per KVIC format) with CMA data, DSCR, and 5-year projections. 2) Identity proof (Aadhaar, PAN). 3) Address proof (ration card, electricity bill). 4) Educational qualification certificate (minimum 8th pass). 5) Caste certificate (if applicable). 6) BPL certificate (if applicable). 7) Business plan with details of raw material sourcing (chana dal from local mandi), production capacity (e.g., 500 kg/day), marketing strategy (local retailers, wholesale), and competition. 8) Quotations for machinery from 2-3 suppliers. 9) Land documents (ownership/lease agreement). 10) Bank account statement (last 6 months). 11) Two passport-size photographs. For partnership/company, additional documents like partnership deed, MOA, and board resolution are needed. Ensure all documents are self-attested and notarized where required. The project report must be signed by a qualified CA or approved project report writer.
Step 1: Prepare the project report with the help of a CA or KVIC-approved consultant. Step 2: Register on the PMEGP e-portal (kviconline.gov.in) and fill the application form. Step 3: Upload the project report and all documents. Step 4: Select the district where the unit will be set up and choose the implementing agency (KVIC, KVIB, or DIC). Step 5: Pay the application fee (₹500 for general, ₹250 for SC/ST). Step 6: After submission, the application is forwarded to the District Task Force Committee for recommendation. Step 7: Once recommended, the bank (lead bank manager) will conduct a feasibility study and sanction the loan. Step 8: After loan sanction, the subsidy amount is released to the bank. Step 9: The entrepreneur must start the unit within 6 months and submit utilization certificates. Step 10: The loan is disbursed in stages – first for machinery purchase, then for working capital. The entire process takes 30-60 days. Ensure all queries from the bank are promptly answered to avoid delays.
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PMEGP format + besan mill economics combined correctly.
Subsidy/margin money for PMEGP auto-computed.
Project cost ₹5–40 Lakh, NIC 10617.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — PMEGP (15–35% margin-money subsidy) is commonly used for besan mill. The report is formatted to PMEGP requirements with subsidy/margin money shown.
15–35% margin-money subsidy — 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.
The subsidy is 25% of the project cost for general category (capped at ₹10 lakh) and 35% for SC/ST/OBC/women/PH (capped at ₹10 lakh). For a project cost of ₹10 lakh, general gets ₹2.5 lakh, special gets ₹3.5 lakh. The subsidy is back-ended and released to the bank after loan sanction.
No, a detailed project report is mandatory. It must include CMA data, DSCR, 5-year projections, and viability analysis. Without it, the bank will reject the application. You can get it prepared by a CA or use a ready format from KVIC.
The minimum qualification is 8th standard pass. However, for units in hill areas, SC/ST, women, and physically handicapped, this requirement is relaxed. You must provide a certificate of educational qualification.
Typically 30-60 days from application to loan disbursement. The process includes online registration, district committee recommendation, bank appraisal, and subsidy release. Delays can occur if documents are incomplete or bank queries are not answered promptly.