Bank-ready carton box unit report under MUDRA Tarun — project cost ₹15 Lakh–1 Cr, subsidy, CMA data, DSCR ≥ 1.50 and 5-year projections.
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This page provides a comprehensive MUDRA Tarun project report for a Carton Box Unit (NIC 17021) with a project cost between ₹15 Lakh and ₹1 Crore. Located in [City/State], this packaging business is eligible for MUDRA Tarun loans under the Pradhan Mantri MUDRA Yojana (PMMY). A bank-ready project report is essential for loan approval; it includes detailed CMA (Credit Monitoring Arrangement) data, Debt Service Coverage Ratio (DSCR) calculations, and 5-year financial projections (Profit & Loss, Balance Sheet, Cash Flow). The report also covers subsidy benefits under CGTMSE (credit guarantee) and, if applicable, state-specific subsidies. It helps entrepreneurs and CAs present a professional, credible proposal to banks, increasing chances of sanction.
To avail MUDRA Tarun loan (₹5 Lakh to ₹10 Lakh) or higher amounts under MUDRA (up to ₹10 Lakh for Tarun; for project cost up to ₹1 Cr, consider MUDRA Plus or other schemes), the business must be a non-corporate, non-farm small enterprise. For a Carton Box Unit, the applicant should be an individual, partnership, or private limited company (though MUDRA is primarily for proprietorships/partnerships). The business activity must fall under NIC 17021 (manufacture of corrugated paper and paperboard, containers of paper and paperboard). There is no prior experience mandatory, but a viable project report is required. The loan is for working capital and machinery; land/building can be partly funded if not exceeding 20% of project cost. CGTMSE coverage is available for collateral-free loans up to ₹2 Cr, reducing bank risk.
For a Carton Box Unit with project cost of ₹15 Lakh to ₹1 Cr, typical components include: machinery (corrugation unit, slitter, creaser, printer, die-cutting, stitching machine) — 40-50%; working capital (raw materials like kraft paper, starch, ink) — 30-35%; preliminary expenses — 5-10%; and margin money (10-20% as per MUDRA norms). Banks finance up to 90% of project cost under MUDRA, with the borrower contributing 10% as promoter's contribution. For example, a ₹50 Lakh project: bank loan ₹45 Lakh, promoter ₹5 Lakh. The loan tenure is 3-5 years with interest rates around 9-12% p.a. (linked to MCLR). Subsidy: Under PMEGP, margin money subsidy is 15-25% for general and special categories, but MUDRA does not offer direct subsidy; however, CGTMSE guarantee fee is subsidized.
For a MUDRA Tarun Carton Box Unit project report, banks typically require: 1) KYC documents (Aadhaar, PAN, voter ID) of applicant/partners; 2) Business registration (GST certificate, Udyam registration, trade license); 3) Project report with CMA data, 5-year projections, DSCR, and repayment schedule; 4) Quotations for machinery and raw material suppliers; 5) Proof of land/building (lease or ownership); 6) Caste/category certificate if seeking subsidy under PMEGP; 7) Bank statements for last 6 months (if existing business); 8) Income tax returns for last 2-3 years (if applicable). Ensure Udyam registration is done before applying. For collateral-free loans up to ₹2 Cr, CGTMSE cover is available; banks may ask for a personal guarantee.
Step 1: Prepare a detailed project report with the help of a CA or consultant, including CMA, DSCR (minimum 1.25), and 5-year projections. Step 2: Register the business as Udyam MSME online (free). Step 3: Apply to a bank (PSU banks like SBI, PNB, or private banks like HDFC) under MUDRA Tarun or MUDRA Plus. Step 4: Submit the project report along with KYC, GST, and other documents. Step 5: Bank will assess the project viability, conduct a credit appraisal, and may visit the site. Step 6: Upon approval, sign loan agreement and provide collateral if required. Step 7: Disbursement in stages (machinery purchase, working capital). The entire process takes 2-4 weeks. For CGTMSE, bank will file guarantee cover online.
Every report is formatted to the exact standards required by Indian banks and government departments.
A complete 14-section project report — the same document your bank officer will read. Every table below is real: the repayment schedule, the DSCR, the CMA workings, the balance sheet. Generate yours free, then pay ₹499 for the clean copy.
Project Report
Consumer electronics repair, servicing & spare-parts retail
Vaishali Nagar, Jaipur, Rajasthan
Submitted to the Branch Manager · Punjab National Bank, Vaishali Nagar, Jaipur
The unit has been in operation since 2019 and currently services 20–25 jobs a day from a 350 sq.ft. ground-floor shop, with a recorded customer base of 600+ households in the Vaishali Nagar catchment. The promoter proposes to expand the workbench capacity, add board-level diagnostic equipment and carry a spare-parts inventory so that 70% of repairs can be completed same-day instead of the present 3-day turnaround.
The project is assessed at a cost of ₹10.00 lakh, financed by a ₹8.00 lakh MUDRA Tarun term loan and ₹2.00 lakh of promoter's own contribution (20%). At the projected turnover the unit services its debt 5.87 times over on average, against the 1.25 minimum, and breaks even at 62% of Year-1 sales — leaving substantial cushion against a demand shortfall.
Recommendation: the proposal is technically feasible, commercially viable and financially sound. It is recommended for sanction of a term loan of ₹8.00 lakh repayable in 60 monthly instalments.
| Particulars | Basis | Amount (₹) |
|---|---|---|
| Renovation & civil work | 200 sq.ft. additional area, electrical, ESD flooring | 1,20,000 |
| Diagnostic & repair equipment | As per quotations — Annexure IX | 2,40,000 |
| Computers, software & service tools | 2 systems, billing software, tool kits | 80,000 |
| Furniture, air-conditioning & display fixtures | Counter, racks, 1.5 T AC | 60,000 |
| Margin money for working capital | Stock, receivables & operating cash | 5,00,000 |
| Total project cost | 10,00,000 |
A 5% contingency is built into the civil and equipment estimates. All capital items are supported by three quotations each.
| Source | Amount (₹) | % of project cost |
|---|---|---|
| Promoter's own contribution | 2,00,000 | 20.00% |
| Term loan under MUDRA Tarun | 8,00,000 | 80.00% |
| Subsidy / margin money grant | Nil | — |
| Total | 10,00,000 | 100.00% |
Promoter's contribution is held in Savings A/c No. XXXXXX4417 with Punjab National Bank, Vaishali Nagar (statement enclosed). Debt–equity at inception is 4.00 : 1, improving to 1.65 : 1 by the end of Year 1.
For PMEGP, PMFME, NABARD and state-subsidy proposals this section additionally carries the margin-money subsidy workings, the subsidy-adjusted repayment and a second DSCR computed net of subsidy.
| Equipment | Qty | Rate (₹) | Amount (₹) |
|---|---|---|---|
| BGA rework station with preheater | 1 | 95,000 | 95,000 |
| Digital storage oscilloscope with probes | 1 | 45,000 | 45,000 |
| Universal IC programmer | 1 | 35,000 | 35,000 |
| Ultrasonic PCB cleaning unit | 1 | 22,000 | 22,000 |
| Soldering / desoldering stations | 3 | 8,000 | 24,000 |
| Precision tool kits & ESD workbench | 2 | 9,500 | 19,000 |
| Total | 2,40,000 |
Suppliers: Fine Tools India (Jaipur), Sagar Electronics (Delhi), Techno Instruments (Jaipur). Quotations enclosed at Annexure IX. Delivery within 30 days of sanction; installation by the supplier at no extra cost.
| Particulars | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Service & repair income | 24.00 | 28.32 | 32.57 | 36.80 | 41.22 |
| Sale of spares & accessories | 9.60 | 11.33 | 13.03 | 14.73 | 16.49 |
| Total revenue | 33.60 | 39.65 | 45.60 | 51.53 | 57.71 |
| Cost of spares & materials (45%) | 15.12 | 17.84 | 20.52 | 23.19 | 25.97 |
| Gross profit | 18.48 | 21.81 | 25.08 | 28.34 | 31.74 |
| Salaries & wages | 6.72 | 7.26 | 7.84 | 8.47 | 9.14 |
| Rent | 1.44 | 1.51 | 1.59 | 1.67 | 1.75 |
| Power & fuel | 0.72 | 0.78 | 0.83 | 0.89 | 0.95 |
| Repairs & maintenance | 0.30 | 0.33 | 0.36 | 0.39 | 0.42 |
| Marketing & business promotion | 0.36 | 0.40 | 0.44 | 0.48 | 0.52 |
| Administrative & miscellaneous | 0.60 | 0.66 | 0.72 | 0.78 | 0.84 |
| Insurance | 0.12 | 0.13 | 0.14 | 0.15 | 0.16 |
| Total operating expenses | 10.26 | 11.07 | 11.92 | 12.83 | 13.78 |
| EBITDA | 8.22 | 10.74 | 13.16 | 15.51 | 17.96 |
| Depreciation (WDV, as per IT Act) | 0.86 | 0.66 | 0.52 | 0.42 | 0.35 |
| EBIT | 7.36 | 10.08 | 12.64 | 15.09 | 17.61 |
| Interest on term loan | 0.78 | 0.64 | 0.48 | 0.31 | 0.11 |
| Profit before tax | 6.58 | 9.44 | 12.16 | 14.78 | 17.50 |
| Income tax (as applicable) | 0.30 | 0.62 | 0.95 | 1.35 | 1.80 |
| Profit after tax | 6.28 | 8.82 | 11.21 | 13.43 | 15.70 |
Revenue grows 18%, 15%, 13% and 12% over the five years, against 22% achieved by the unit in the last audited year. Capacity utilisation moves from 72% to 91%; the projections do not assume any increase in service rates.
| Year | Opening balance | Principal repaid | Interest | Total outgo | Closing balance |
|---|---|---|---|---|---|
| 1 | 8,00,000 | 1,28,404 | 77,937 | 2,06,341 | 6,71,596 |
| 2 | 6,71,596 | 1,42,555 | 63,787 | 2,06,341 | 5,29,041 |
| 3 | 5,29,041 | 1,58,265 | 48,077 | 2,06,341 | 3,70,776 |
| 4 | 3,70,776 | 1,75,706 | 30,635 | 2,06,341 | 1,95,070 |
| 5 | 1,95,070 | 1,95,070 | 11,272 | 2,06,341 | Nil |
| Total | 8,00,000 | 2,31,707 | 10,31,705 |
| Particulars | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Profit after tax | 6.28 | 8.82 | 11.21 | 13.43 | 15.70 |
| Add: depreciation | 0.86 | 0.66 | 0.52 | 0.42 | 0.35 |
| Add: interest on term loan | 0.78 | 0.64 | 0.48 | 0.31 | 0.11 |
| Cash available for debt service (A) | 7.92 | 10.12 | 12.21 | 14.16 | 16.16 |
| Principal repayment | 1.28 | 1.43 | 1.58 | 1.76 | 1.95 |
| Interest | 0.78 | 0.64 | 0.48 | 0.31 | 0.11 |
| Total debt service (B) | 2.06 | 2.07 | 2.06 | 2.07 | 2.06 |
| DSCR (A ÷ B) | 3.84 | 4.89 | 5.93 | 6.84 | 7.84 |
Average DSCR over the tenure: 5.87. The minimum acceptable to banks is 1.25; the unit crosses that threshold even if Year-1 revenue falls 60% short of projection.
| Particulars | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| LIABILITIES | |||||
| Capital account (net of drawings) | 4.08 | 7.50 | 12.11 | 17.74 | 24.44 |
| Term loan — long-term portion | 5.29 | 3.71 | 1.95 | — | — |
| Term loan — current maturity | 1.43 | 1.58 | 1.76 | 1.95 | — |
| Sundry creditors (30 days) | 1.26 | 1.49 | 1.71 | 1.93 | 2.16 |
| Other current liabilities & provisions | 0.30 | 0.35 | 0.40 | 0.45 | 0.50 |
| Total | 12.36 | 14.63 | 17.93 | 22.07 | 27.10 |
| ASSETS | |||||
| Net fixed assets | 4.14 | 3.48 | 2.96 | 2.54 | 2.19 |
| Stock of spares (45 days) | 1.86 | 2.20 | 2.53 | 2.86 | 3.20 |
| Sundry debtors (10 days) | 0.92 | 1.09 | 1.25 | 1.41 | 1.58 |
| Cash & bank balance | 5.44 | 7.86 | 11.19 | 15.26 | 20.13 |
| Total | 12.36 | 14.63 | 17.93 | 22.07 | 27.10 |
| Sources | Amount | Applications | Amount |
|---|---|---|---|
| Profit after tax | 6.28 | Capital expenditure | 5.00 |
| Depreciation | 0.86 | Increase in stock | 1.86 |
| Increase in creditors & provisions | 1.56 | Increase in debtors | 0.92 |
| Term loan drawn | 8.00 | Repayment of term loan | 1.28 |
| Promoter's capital introduced | 2.00 | Drawings | 4.20 |
| Closing cash & bank | 5.44 | ||
| Total | 18.70 | Total | 18.70 |
Working capital is assessed under the Tandon Committee Method II, the basis used by banks for limits up to ₹5 crore. The workings below are drawn from the Year-1 projections above.
| Particulars | Amount |
|---|---|
| Stock of spares | 1.86 |
| Sundry debtors | 0.92 |
| Cash & bank balance | 5.44 |
| Total current assets (TCA) | 8.22 |
| Sundry creditors | 1.26 |
| Other current liabilities & provisions | 0.30 |
| Current maturity of term loan | 1.43 |
| Other current liabilities (OCL) | 2.99 |
| Working capital gap (TCA − OCL) | 5.23 |
| 25% of TCA — stipulated margin | 2.06 |
| Maximum permissible bank finance (Method II) | 3.18 |
No cash-credit limit is sought in this proposal; the assessment is presented because bank officers ask for it. Were the limit of ₹3.18 lakh availed, the current ratio would stand at 1.33 — above the 1.25 stipulated by IBA.
CMA statements included in the full report
| Ratio | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Bank norm |
|---|---|---|---|---|---|---|
| Current ratio | 2.75 | 3.26 | 3.87 | 4.51 | 9.36 | ≥ 1.25 |
| Debt–equity ratio | 1.65 | 0.71 | 0.31 | 0.11 | Nil | ≤ 3.00 |
| DSCR | 3.84 | 4.89 | 5.93 | 6.84 | 7.84 | ≥ 1.25 |
| Net profit margin | 18.7% | 22.2% | 24.6% | 26.1% | 27.2% | — |
| Interest coverage | 9.4 | 15.8 | 26.3 | 48.7 | 160.1 | ≥ 2.00 |
| Particulars | Amount |
|---|---|
| Fixed costs (salaries, rent, admin, depreciation, interest) | 10.88 |
| Variable costs (materials, power, maintenance) | 16.14 |
| Contribution (revenue − variable costs) | 17.46 |
| P/V ratio | 51.96% |
| Break-even sales | 20.94 |
| Break-even as % of Year-1 revenue | 62.3% |
| Cash break-even as % of Year-1 revenue | 57.4% |
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MUDRA Tarun format + carton box unit economics combined correctly.
Subsidy/margin money for MUDRA Tarun auto-computed.
Project cost ₹15 Lakh–1 Cr, NIC 17021.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — MUDRA Tarun (₹5L–₹10L) is commonly used for carton box unit. 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 provides loans from ₹5 Lakh to ₹10 Lakh. For project costs up to ₹1 Cr, you can apply under MUDRA Plus (₹10 Lakh to ₹20 Lakh) or other schemes like PMEGP (up to ₹50 Lakh) or regular MSME loans. However, the MUDRA scheme itself has three categories: Shishu (up to ₹50,000), Kishor (₹50,000 to ₹5 Lakh), and Tarun (₹5 Lakh to ₹10 Lakh). For higher amounts, banks offer MUDRA Plus or standalone term loans.
MUDRA loans do not have direct subsidy. However, if you are eligible under PMEGP (Pradhan Mantri Employment Generation Programme), you can get margin money subsidy of 15-25% (depending on category) for projects up to ₹50 Lakh. Additionally, CGTMSE provides credit guarantee cover, reducing the need for collateral. Some state governments also offer capital subsidy or interest subvention for MSMEs in packaging. Check with your state's MSME department.
Banks generally require a Debt Service Coverage Ratio (DSCR) of at least 1.25 for MUDRA loans. DSCR is calculated as (Net Profit + Depreciation + Interest) / (Principal Repayment + Interest). For a carton box unit with stable demand, you can project DSCR between 1.5 to 2.0, which strengthens your loan application. The project report should include year-wise DSCR calculations for the loan tenure.
Yes, under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises), loans up to ₹2 Cr are collateral-free for MSMEs. MUDRA loans are covered under CGTMSE, so you can get a loan up to ₹10 Lakh (Tarun) without collateral. For higher amounts, banks may still require collateral or personal guarantee. Ensure your Udyam registration is done to avail CGTMSE benefits.