For entrepreneurs in Bihar, Jharkhand, and other makhana-growing regions, setting up a makhana processing unit under NABARD’s refinancing scheme is a promising venture. A bank-ready project report is critical to secure a loan of ₹5–40 lakh under this scheme (NIC 10309). This report must include detailed CMA data, Debt Service Coverage Ratio (DSCR) of at least 1.5, and 5-year financial projections covering production capacity, raw material costs (makhana seeds), processing machinery (puffing, grading, packaging), and working capital. It should also factor in capital subsidy eligibility (typically 25–35% of project cost, up to ₹10 lakh, under NABARD’s food processing sub-schemes). The report must demonstrate technical feasibility, market demand for roasted and flavored makhana, and repayment capacity. A professionally prepared project report not only speeds up loan approval but also helps you claim subsidy and meet CGTMSE collateral-free requirements for loans up to ₹50 lakh.
Individual entrepreneurs, partnership firms, private limited companies, and self-help groups (SHGs) involved in makhana processing are eligible. The project should be located in a rural area or a notified food park. Applicants must have a minimum of 2 years of experience in food processing or related agri-business, or provide a certificate of training from a recognized institute (e.g., NIFTEM, KVK). The project cost must be between ₹5 lakh and ₹40 lakh, with a promoter’s contribution of at least 10% (5% for SC/ST/women/NE regions). The unit must adhere to FSSAI standards and obtain necessary licenses. NABARD refinances loans through commercial banks, RRBs, and cooperatives; hence, the borrower must have a satisfactory credit history and no default with any financial institution.
The project cost includes land (if not owned), building renovation (₹1–3 lakh), machinery (makhana puffing machine, grading machine, packaging machine, boiler: ₹3–10 lakh), electrical installations, and working capital for 3 months (₹2–5 lakh). NABARD provides refinance up to 90% of the project cost, with the bank lending 80–90% of the project cost. The borrower’s margin is 10–20%. Capital subsidy under NABARD’s Food Processing Fund is 25% for general category and 35% for SC/ST/women/NE, capped at ₹10 lakh. The loan tenure is 5–7 years with a moratorium of 6–12 months. Interest rates are linked to the bank’s base rate (typically 9–12% p.a.). The project report must include a detailed CMA format showing cost of production, sales projections, and DSCR > 1.5.
A complete bank-ready project report must include: (1) KYC documents (Aadhaar, PAN, address proof), (2) Land documents (ownership or lease deed), (3) Quotations for machinery from at least 3 suppliers, (4) FSSAI license or application, (5) GST registration, (6) Udyam registration, (7) Experience certificate or training certificate, (8) 3-year financial statements (if existing business), (9) Projected balance sheet, profit & loss, and cash flow for 5 years, (10) CMA data (working capital assessment), (11) DSCR calculation, (12) Repayment schedule, (13) Market study report (local demand, competition, pricing), and (14) Subsidy application form (Annexure III of NABARD). Ensure all documents are self-attested and notarized where required.
Every report is formatted to the exact standards required by Indian banks and government departments.
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NABARD format + makhana processing economics combined correctly.
Subsidy/margin money for NABARD auto-computed.
Project cost ₹5–40 Lakh, NIC 10309.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — NABARD (agri capital subsidy) is commonly used for makhana processing. The report is formatted to NABARD requirements with subsidy/margin money shown.
agri capital subsidy — computed automatically in the means-of-finance and subsidy sections.
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The capital subsidy is 25% of the project cost for general category and 35% for SC/ST/women/NE regions, capped at ₹10 lakh. The subsidy is released after the unit is commissioned and audited. It is typically adjusted against the loan principal.
Yes, loans up to ₹50 lakh are covered under CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises), making them collateral-free. However, the bank may still require a personal guarantee. The project report must include CGTMSE coverage details.
Key machinery includes: makhana puffing machine (capacity 50–100 kg/hr), grading machine, polishing machine, packaging machine (vertical form fill seal), and a boiler (if steam puffing is used). Total machinery cost typically ranges from ₹3–10 lakh for a small unit.
After submitting a complete project report to the bank, approval takes 4–8 weeks. The bank forwards the application to NABARD for refinance, which is processed in 2–3 weeks. Subsidy disbursement takes an additional 2–3 months after unit commissioning.