Are you planning to start a Makhana (fox nut) processing unit and seeking PMEGP subsidy? This page provides a ready bankable project report for Makhana processing under PMEGP scheme (NIC 10309). A well-structured project report is critical for loan approval and subsidy release. Our report includes CMA data, DSCR calculation, 5-year financial projections, and all required formats. Whether you are in Bihar (major Makhana hub) or any other state, this template is tailored for a project cost between ₹5 lakh and ₹40 lakh. It covers raw material procurement, processing machinery (puffing, grading, packaging), working capital, and marketing. With PMEGP subsidy of 25% to 35% (up to ₹35 lakh project cost), you can significantly reduce your capital outlay. Download the editable format and submit it to your bank or KVIC office for a smooth sanction process.
Under PMEGP, any individual above 18 years with at least 8th standard education can apply. For Makhana processing, priority is given to women, SC/ST, OBC, and minorities. The project cost for Makhana processing (NIC 10309) ranges from ₹5 lakh to ₹40 lakh. Subsidy is 25% for general category (₹10 lakh max) and 35% for special categories (₹15 lakh max) in urban areas; rural areas get 35% and 50% respectively. The loan is a term loan plus working capital from a scheduled bank. Margin money is only 5-10% of project cost. You must create a Detailed Project Report (DPR) with CMA data, projected balance sheet, profit & loss, and cash flow for 5 years. Our template includes all these calculations ready for your specific inputs.
A typical Makhana processing unit with capacity 100-200 kg per day requires: land (1000 sq ft rented), machinery (puffing machine, grading machine, packaging machine, boiler) costing ₹3-8 lakh, raw material (raw Makhana) ₹2-5 lakh, furniture & fixtures ₹0.5-1 lakh, and working capital for 2 months ₹2-6 lakh. Total project cost: ₹10-25 lakh. Financing: 5-10% margin money, 25-35% PMEGP subsidy, and balance 55-70% term loan from bank. For a ₹15 lakh project, margin money is ₹75,000 (5%), subsidy ₹3.75 lakh (25%), bank loan ₹10.5 lakh. Repayment over 5-7 years at 9-11% interest. Our report includes a detailed CMA format with DSCR >1.5, which banks require.
To apply for PMEGP Makhana processing loan, you need: 1) Aadhaar card, PAN card, 2) Educational qualification certificate (minimum 8th pass), 3) Caste certificate (if applicable), 4) Residence proof, 5) Project report in prescribed format (we provide), 6) Quotations for machinery from 3 suppliers, 7) Land proof (lease or own), 8) Estimated cost of raw material (invoice from local traders), 9) Two passport size photos, 10) Bank statement of last 6 months (if existing account), 11) GST registration (recommended for >₹20 lakh turnover). Submit to your nearest KVIC, DIC, or bank branch. After approval, you receive sanction letter and subsidy is released in two installments: 50% after loan disbursement and 50% after unit starts production.
Every report is formatted to the exact standards required by Indian banks and government departments.
Create your account in 30 seconds — no credit card needed.
Enter applicant details, select the scheme, set your loan amount.
Our AI drafts the full report with financials, projections, and CMA data in under 60 seconds.
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PMEGP format + makhana processing economics combined correctly.
Subsidy/margin money for PMEGP auto-computed.
Project cost ₹5–40 Lakh, NIC 10309.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — PMEGP (15–35% margin-money subsidy) is commonly used for makhana processing. 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.
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.
For general category, subsidy is 25% of project cost (max ₹10 lakh in urban, ₹15 lakh in rural). For SC/ST/OBC/women/minorities, it is 35% (max ₹15 lakh urban, ₹20 lakh rural). Project cost limit is ₹40 lakh for manufacturing (including Makhana processing).
Yes, especially in Bihar (Makhana hub). PMEGP is implemented by KVIC across India. In Bihar, you can apply through DICs or KVIC regional offices. Local banks like SBI, PNB, Bank of India are active. Subsidy and loan terms are same as other states.
The loan is repayable in 5 to 7 years, including a moratorium of 6-12 months. Interest rate is as per bank's MCLR (usually 9-11% per annum). Our project report includes a repayment schedule with 60 monthly installments.
If your annual turnover exceeds ₹20 lakh (₹10 lakh in some states), GST registration is mandatory. Even if below threshold, it is advisable for input tax credit on machinery and raw materials. Our project report assumes GST registration for seamless business operations.