Bank-ready brick manufacturing report under MUDRA Tarun — project cost ₹10 Lakh–1 Cr, subsidy, CMA data, DSCR ≥ 1.50 and 5-year projections.
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For brick manufacturers in India, accessing working capital and term loans under MUDRA Tarun (NIC 23921) requires a bank-ready project report that demonstrates viability. This page provides a practical guide for preparing a MUDRA Tarun Brick Manufacturing Project Report with CMA data, DSCR calculations, and 5-year financial projections. Whether you are starting a new unit or expanding an existing one in states like Uttar Pradesh, Bihar, West Bengal, or Odisha, a well-structured report increases your chances of loan approval. The report must cover project cost (₹10 Lakh to ₹1 Crore), margin money (10-15%), machinery specifications, raw material sourcing, production capacity, and market linkages. It also includes subsidy eligibility under PMEGP or state schemes, though MUDRA itself does not offer direct subsidy. We break down the format, key financial ratios, and documentation required by banks like SBI, PNB, and Bank of Baroda. Use this as a template to create your own project report and secure funding for your brick kiln business.
MUDRA Tarun is the third category under Pradhan Mantri MUDRA Yojana, offering loans from ₹5 Lakh to ₹10 Lakh. However, for brick manufacturing, project costs often exceed ₹10 Lakh; in such cases, you may apply under MUDRA Tarun for up to ₹10 Lakh, or opt for other schemes like PMEGP (subsidy up to 35%) or CGTMSE (collateral-free loan up to ₹2 Crore). The NIC code for brick manufacturing is 23921. Eligibility criteria: the applicant must be an Indian citizen, above 18 years, with a viable business plan. There is no collateral required for loans up to ₹10 Lakh under MUDRA. For higher amounts, collateral or CGTMSE cover may be needed. The loan is typically repaid in 3-5 years, with a moratorium of 6-12 months. Banks may also require a credit score of 650+ and GST registration (if turnover exceeds ₹40 Lakh).
A typical brick manufacturing unit with capacity of 20,000-30,000 bricks per day requires a project cost of ₹25 Lakh to ₹50 Lakh. For MUDRA Tarun, the maximum loan is ₹10 Lakh, so for higher costs, you need a mix of own funds and other loans. Break-up of project cost: land and site development (₹2-5 Lakh), machinery (brick making machine, conveyor, crusher, moulds – ₹8-15 Lakh), raw materials (clay, fly ash, coal/wood – ₹5-10 Lakh), working capital for 2-3 cycles (₹5-10 Lakh), and miscellaneous (electricity connection, labour quarters, etc. – ₹2-5 Lakh). Financing: margin money 10-15% of project cost, bank loan 85-90%. Under MUDRA, loan amount up to ₹10 Lakh is covered. For additional funding, approach banks for term loan under CGTMSE or PMEGP. Prepare CMA data to show repayment capacity.
To prepare a bank-ready project report for brick manufacturing under MUDRA Tarun, you need: 1) KYC documents (Aadhaar, PAN, Voter ID) of the applicant. 2) Business plan with details of production process, machinery specifications, and raw material sourcing. 3) Quotations for machinery and equipment. 4) Land documents (lease deed or ownership proof, NOC from pollution board if required). 5) CMA (Credit Monitoring Arrangement) data for 3 years, including projected balance sheet, profit & loss, and cash flow. 6) DSCR (Debt Service Coverage Ratio) calculation showing minimum 1.25. 7) 5-year financial projections with assumptions on capacity utilization (first year 60%, then 75%, 85%, 90%, 95%). 8) GST registration certificate (if applicable). 9) MSME registration (Udyam). 10) Any subsidy eligibility proof (e.g., PMEGP application). Ensure all documents are self-attested and submitted in a file.
1) Assess your project cost and decide loan amount. If below ₹10 Lakh, apply for MUDRA Tarun directly; if higher, consider PMEGP or CGTMSE. 2) Prepare project report using the format provided on this page. Include executive summary, company profile, product details, market analysis, technical aspects, financials, and risk mitigation. 3) Visit your nearest bank branch (SBI, PNB, Canara Bank, etc.) and submit the loan application along with project report and documents. 4) Bank will evaluate the project, conduct a field visit, and check credit history. 5) If approved, loan is disbursed in phases – first for machinery, then for working capital. 6) For subsidy under PMEGP, apply through KVIC or DIC before loan sanction. 7) After disbursement, submit utilization certificates and repayment as per schedule. For any queries, consult a local CA or MSME consultant.
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MUDRA Tarun format + brick manufacturing economics combined correctly.
Subsidy/margin money for MUDRA Tarun auto-computed.
Project cost ₹10 Lakh–1 Cr, NIC 23921.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — MUDRA Tarun (₹5L–₹10L) is commonly used for brick manufacturing. 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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MUDRA Tarun only covers loans up to ₹10 Lakh. For a ₹30 Lakh project, you can avail ₹10 Lakh under MUDRA Tarun and the remaining ₹20 Lakh through a term loan under CGTMSE (collateral-free) or PMEGP (with subsidy). Alternatively, you can approach banks for a composite loan combining MUDRA and other schemes.
Banks typically require a Debt Service Coverage Ratio (DSCR) of at least 1.25 for brick manufacturing projects. DSCR is calculated as (Net Profit + Depreciation + Interest) / (Principal Repayment + Interest). Ensure your financial projections show sufficient cash flow to cover debt obligations.
MUDRA itself does not offer any subsidy. However, you can combine MUDRA loan with PMEGP (subsidy up to 35% for general category, 50% for SC/ST/Women) or state-specific schemes. For example, under PMEGP, the maximum project cost for manufacturing is ₹50 Lakh, and subsidy is capped at ₹10 Lakh.
For a small unit (10,000-20,000 bricks/day), you need: brick making machine (manual or semi-automatic), clay mixer, conveyor belt, crusher, moulds, and a curing chamber. For fly ash bricks, add a fly ash brick making machine and hydraulic press. Total machinery cost ranges from ₹5 Lakh to ₹15 Lakh depending on automation.