Are you planning to start a juice shop in India under the MUDRA Kishor scheme (NIC 56304)? A bank-ready project report is your gateway to a loan of ₹1–8 lakh with no collateral, backed by CGTMSE cover. This page provides a ready-to-use format for a MUDRA Kishor juice shop project report, covering CMA data, Debt Service Coverage Ratio (DSCR), and 5-year financial projections. Whether you're a first-time entrepreneur in Delhi or a CA in Mumbai, our template helps you present a viable business case to banks like SBI, PNB, or Canara Bank. The report includes key assumptions: daily sales of 200 cups at ₹30 each, 60% gross margin, and operating expenses of ₹25,000/month. With proper projections, you can secure up to ₹8 lakh for equipment, furniture, and working capital. No subsidy is provided under MUDRA, but the interest subvention of 2% for women/SC/ST borrowers (if applicable) reduces your effective rate. Use our detailed format to avoid rejections and speed up loan approval.
Any Indian citizen above 18 years with a viable juice shop business plan can apply. There is no minimum educational qualification. The scheme targets non-corporate, non-farm small businesses. For a juice shop, you need a food license (FSSAI) and GST registration if turnover exceeds ₹40 lakh. Priority is given to women, SC/ST, and OBC entrepreneurs. The loan is collateral-free under CGTMSE for amounts up to ₹10 lakh. Banks assess your credit history via CIBIL; a score above 700 improves approval odds. You must have a bank account (preferably with the lending bank) and a project report showing repayment capacity.
Total project cost for a juice shop under MUDRA Kishor ranges from ₹1,00,001 to ₹8,00,000. A typical cost breakup: Equipment (juicer machine, refrigerator, blender, display counter) – ₹2.5 lakh; Furniture (tables, chairs, counter) – ₹0.5 lakh; Interior & signage – ₹0.5 lakh; Working capital (3 months) – ₹1.5 lakh; Other (licenses, deposits) – ₹0.5 lakh. Total: ₹5.5 lakh. Bank finance: 90% (₹4.95 lakh) as term loan + working capital; promoter contribution: 10% (₹55,000). Loan tenure: 3–5 years. Interest rate: 10–14% p.a. (reducing balance). No subsidy, but MUDRA offers low processing fees.
Submit: (1) KYC – Aadhaar, PAN, Voter ID; (2) Business proof – FSSAI license, GST certificate (if applicable), shop rental agreement; (3) Bank statement of last 6 months (personal/business); (4) Project report with CMA, DSCR, 5-year projections; (5) Quotations for equipment; (6) Caste certificate (if availing interest subvention); (7) 2 passport-size photos. For women entrepreneurs, provide a self-declaration. Banks may also ask for a business continuity plan. 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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Enter applicant details, select the scheme, set your loan amount.
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MUDRA Kishor format + juice shop economics combined correctly.
Subsidy/margin money for MUDRA Kishor auto-computed.
Project cost ₹1–8 Lakh, NIC 56304.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — MUDRA Kishor (₹50K–₹5L) is commonly used for juice shop. The report is formatted to MUDRA Kishor requirements with subsidy/margin money shown.
₹50K–₹5L — 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.
MUDRA Kishor does not provide a direct subsidy. However, interest subvention of 2% is available for women and SC/ST borrowers under certain state schemes (e.g., in Maharashtra, Gujarat). Check with your bank for applicable subventions. The loan is collateral-free under CGTMSE.
Typically 3 to 5 years. For a ₹5 lakh loan at 12% interest, monthly EMI is around ₹11,122 for 5 years. Banks may offer a moratorium of 3–6 months for working capital. Ensure your DSCR is above 1.25 to qualify.
Yes, but it's harder. MUDRA loans are collateral-free, so banks rely on CIBIL. A score below 650 may lead to rejection. Improve your score by clearing existing debts. Alternatively, apply with a co-applicant who has a good score.
Not mandatory if your annual turnover is below ₹40 lakh. However, if you plan to sell packaged juices or supply to other businesses, GST registration helps claim input credit. For a small shop, a Udyam registration is sufficient for the loan.