Bank-ready imitation jewellery unit report under PMEGP — project cost ₹2–25 Lakh, subsidy, CMA data, DSCR ≥ 1.50 and 5-year projections.
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This page provides a bank-ready PMEGP project report for an Imitation Jewellery Unit (NIC 32130) in India. The PMEGP (Prime Minister’s Employment Generation Programme) offers a subsidy of 25-35% (up to ₹35 lakh) on project costs between ₹2-25 lakh. For a unit in Jaipur, Rajasthan, the total project cost is ₹10 lakh (₹8 lakh term loan + ₹2 lakh working capital). The report includes CMA data, DSCR (≥1.5), and 5-year financial projections (P&L, balance sheet, cash flow). It covers raw materials (beads, strings, plated metals), machinery (polishing machine, moulds), and manpower (2 skilled + 3 unskilled). This document is essential for loan approval from banks like SBI, Bank of Baroda, or Canara Bank. It also explains how to apply via the PMEGP online portal (kviconline.gov.in) with required documents (Aadhaar, project report, land proof, caste certificate if applicable).
Any individual above 18 years with at least 8th standard education (for projects above ₹10 lakh) can apply. For general category, subsidy is 25% of project cost (max ₹35 lakh); for SC/ST/OBC/Women/Minorities/Ex-servicemen/NER, it's 35%. The project cost includes machinery (₹3.5 lakh), working capital (₹2 lakh), furniture (₹0.5 lakh), and other expenses. The subsidy is released in two instalments: 50% after loan sanction and 50% after unit establishment. No collateral is required for loans up to ₹10 lakh (CGTMSE cover). For units in rural areas, additional benefits may apply.
For a typical Imitation Jewellery Unit in Jaipur, the total project cost is ₹10 lakh. The promoter's contribution is 10% (₹1 lakh for general, 5% for special categories). Bank loan: ₹8 lakh (term loan) + ₹2 lakh (working capital). Term loan is for machinery (polishing machine, ultrasonic cleaner, moulds, worktables) and furniture. Working capital covers raw materials (beads, threads, plating chemicals) and salaries for 3 months. The loan repayment period is 5 years with a 6-month moratorium. Interest rate is MCLR + 2-3% (approx 9-11% p.a.). DSCR is projected at 1.8 in Year 1, improving to 2.5 by Year 5.
Essential documents: 1) Aadhaar card, Voter ID, PAN card. 2) Educational qualification certificate (minimum 8th pass). 3) Project report (CMA data, 5-year projections). 4) Land/building proof (rental agreement or ownership). 5) Caste certificate (if applicable). 6) Two passport-size photos. 7) Bank statement (last 6 months). 8) Quotations for machinery and raw materials. 9) GST registration (recommended). 10) Udyam registration. For online application, upload scanned copies on kviconline.gov.in. Ensure all documents are self-attested.
Every report is formatted to the exact standards required by Indian banks and government departments.
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PMEGP format + imitation jewellery unit economics combined correctly.
Subsidy/margin money for PMEGP auto-computed.
Project cost ₹2–25 Lakh, NIC 32130.
CMA, DSCR ≥ 1.50, 5-year projections.
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Yes — PMEGP (15–35% margin-money subsidy) is commonly used for imitation jewellery unit. 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.
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The maximum project cost is ₹25 lakh, with a subsidy of 25-35% (max ₹35 lakh). The bank loan covers up to 90% of the project cost (₹22.5 lakh) for general category, and 95% for special categories. For a unit costing ₹10 lakh, the loan amount is ₹9 lakh (including working capital).
After submitting the online application, the District Task Force (DTF) reviews it within 30 days. Once recommended, the bank processes the loan within 15-20 days. Total time from application to disbursement is typically 45-60 days, provided all documents are complete.
No, loans up to ₹10 lakh are covered under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises), so no collateral is required. However, the bank may ask for personal guarantee or a lien on fixed deposits. For loans above ₹10 lakh, collateral may be needed.
Yes, but only if the existing business is not availing any other government subsidy. The applicant should not have been a defaulter to any bank. Also, the new unit must be a separate entity. Preference is given to first-generation entrepreneurs.