Bank-ready cement bricks unit report under MUDRA Tarun — project cost ₹10 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 Cement Bricks Unit (NIC 23959) with a project cost between ₹10 Lakh and ₹1 Crore. Located in [City, State], this report is tailored for Indian entrepreneurs and Chartered Accountants seeking bank finance under the MUDRA Tarun scheme. A bank-ready project report is critical for loan approval, as it includes detailed CMA (Credit Monitoring Arrangement) data, Debt Service Coverage Ratio (DSCR) calculations, and 5-year financial projections. The report covers all aspects: project cost, working capital, machinery specifications, raw material sourcing, production capacity, and profitability analysis. It also outlines eligibility criteria, subsidy options (if any) under PMEGP or other state schemes, and step-by-step documentation. Whether you're starting a new unit or expanding, this ready-to-use format saves time and ensures compliance with MUDRA guidelines. Use this as a template to customize with your specific location and capacity.
Eligibility for MUDRA Tarun requires the business to be a manufacturing or service enterprise. For a cement bricks unit, you need a project report that demonstrates technical feasibility and financial viability. The loan is unsecured up to ₹10 Lakh under CGTMSE, but for higher amounts, banks may ask for collateral or third-party guarantee. The applicant must have a good credit history. The scheme is available through all scheduled commercial banks, RRBs, and MFIs. You can also apply under the PM Vishwakarma scheme if you are a traditional artisan, but MUDRA is more suitable for new units. The project report must include a detailed CMA statement, DSCR (minimum 1.25), and projected balance sheets for 5 years. Banks also check the entrepreneur's experience and market potential. For a unit in [City], local demand for cement bricks from construction projects should be highlighted.
The project cost must be realistic and based on current market rates. For a semi-automatic brick making machine (capacity 1000-2000 bricks per day), the cost is ₹4-6 Lakh. Add ₹1 Lakh for a concrete mixer and ₹0.5 Lakh for moulds. Land can be taken on lease to reduce cost. Working capital for 2 months of raw material and labor: Cement (₹300/bag, 50 bags/day) = ₹4.5 Lakh/month; Sand and stone dust = ₹1 Lakh/month; Labor (5 workers) = ₹1 Lakh/month. Total working capital = ₹6.5 Lakh/month. The bank will finance 80% of working capital as cash credit limit. The project report must include a repayment schedule showing DSCR > 1.25. For a ₹20 Lakh loan at 12% p.a. for 5 years, EMI is approximately ₹44,500 per month. Ensure the projected net profit covers this comfortably. Also, include a sensitivity analysis for 10% increase in raw material cost or 10% decrease in sales.
The application process for MUDRA Tarun is streamlined. First, ensure your project report includes a detailed CMA (Credit Monitoring Arrangement) with 5-year projections. Many banks require the report to be certified by a CA. For a cement bricks unit, attach machinery quotations from suppliers like [Local Supplier Name] or [Online Platform]. Also, get a letter from your local municipal corporation or panchayat about no-objection for the unit. If you are from a reserved category, apply for PMEGP subsidy (up to 35% for general, 50% for SC/ST/OBC) through the KVIC portal. The subsidy is released after loan disbursement. For MUDRA, the loan is disbursed within 30-45 days of application. Post-disbursement, submit quarterly progress reports to the bank. To speed up the process, maintain a good CIBIL score (750+). If you face rejection, you can reapply with a revised project report or approach another bank. Also, consider the PM Vishwakarma scheme if you are a traditional brick maker (but MUDRA is better for larger units).
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MUDRA Tarun format + cement bricks unit economics combined correctly.
Subsidy/margin money for MUDRA Tarun auto-computed.
Project cost ₹10 Lakh–1 Cr, NIC 23959.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — MUDRA Tarun (₹5L–₹10L) is commonly used for cement bricks 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.
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.
Under MUDRA Tarun, the loan amount ranges from ₹10 Lakh to ₹1 Crore. For a cement bricks unit, the typical loan is between ₹10 Lakh and ₹50 Lakh, depending on the project cost. The exact amount is based on the project report's viability and your credit profile.
Loans up to ₹10 Lakh are covered under CGTMSE and require no collateral. For loans above ₹10 Lakh, banks may ask for collateral such as property or fixed deposit, or a third-party guarantee. However, some banks offer collateral-free loans up to ₹50 Lakh under CGTMSE for manufacturing units.
Yes, you can combine PMEGP subsidy with MUDRA Tarun. PMEGP provides a capital subsidy of 35% (general category) or 50% (SC/ST/OBC/women) on the project cost, subject to a maximum of ₹20 Lakh. You need to apply through KVIC or DIC before the bank loan. The subsidy is released after the loan is disbursed.
The project report must include Debt Service Coverage Ratio (DSCR) of at least 1.25, Current Ratio of 1.33:1, and Debt-Equity Ratio of 3:1 (or as per bank norms). Also, include Break-Even Point (BEP) analysis and Net Present Value (NPV) to show project viability. These ratios are part of the CMA data.