This page provides a bank-ready project report for a Mango Pulp Unit under the Prime Minister’s Employment Generation Programme (PMEGP) with NIC code 10307. The project cost is assumed at ₹25 Lakh (within the ₹15 Lakh–1 Cr range) for a unit located in Chittoor, Andhra Pradesh, a major mango-producing region. A well-structured project report is essential for loan approval under PMEGP, as it demonstrates technical feasibility, financial viability, and compliance with scheme guidelines. The report includes detailed CMA (Credit Monitoring Arrangement) data, Debt Service Coverage Ratio (DSCR) calculations, and 5-year financial projections covering profitability, cash flow, and balance sheet. It also outlines the subsidy entitlement (35% of project cost for general category, 25% for special categories) and the margin money contribution required. The report is designed to meet the format prescribed by KVIC (Khadi and Village Industries Commission) and is accepted by all PMEGP-empanelled banks. Entrepreneurs and Chartered Accountants can use this as a template to prepare a project report for their specific location and capacity.
Under PMEGP, any individual above 18 years, with at least 8th standard education (for projects above ₹10 lakh), can apply. For a mango pulp unit, the project cost of ₹25 lakh qualifies for a capital subsidy of 35% (₹8.75 lakh) for general category and 25% (₹6.25 lakh) for special categories (SC/ST/OBC/women/physically handicapped). The subsidy is back-ended, meaning it is released after the loan is disbursed and the unit is operational. The bank finances 90% of the remaining project cost after margin money (10% of project cost for general, 5% for special categories). The loan tenure is typically 5-7 years with a moratorium of 6-12 months. The unit must be a new enterprise; existing units are not eligible. The project report should clearly state the applicant's category to calculate the correct subsidy amount.
For a mango pulp unit with a project cost of ₹25 lakh, the typical financing structure is: Margin Money (general category) – ₹2.5 lakh (10%); Subsidy – ₹8.75 lakh (35%); Bank Loan – ₹13.75 lakh (55%). For special categories, margin money is ₹1.25 lakh (5%), subsidy ₹6.25 lakh (25%), and bank loan ₹17.5 lakh (70%). The project cost includes land and building (assumed rented, so only lease deposit), plant and machinery (pulper, pasteurizer, filling machine, boiler, etc.), and working capital (raw mango procurement, packaging material, labor). The CMA data should show the current ratio above 1.33 and DSCR above 1.25. The 5-year projections must assume a capacity utilization of 60% in year 1, increasing to 85% by year 5, with raw mango price at ₹15/kg and pulp selling price at ₹80/kg (based on Chittoor market rates).
The following documents are essential for submitting a PMEGP project report: (1) Project report in the prescribed KVIC format, including CMA data, DSCR calculation, and 5-year financials. (2) Applicant's identity proof (Aadhaar, Voter ID), age proof, and educational qualification certificate (minimum 8th pass). (3) Caste certificate (if applicable) for subsidy calculation. (4) Land/building documents (ownership or lease agreement). (5) Quotations for plant and machinery from suppliers. (6) Working capital assessment with raw material sourcing plan (e.g., contract with local mango farmers). (7) Bank statement for the last 6 months. (8) Any existing loan details (if any). For the mango pulp unit, also include a food safety license (FSSAI) application or existing license, and a pollution control board consent (if applicable). The project report must be signed by the applicant and a Chartered Accountant or a project report consultant.
Every report is formatted to the exact standards required by Indian banks and government departments.
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PMEGP format + mango pulp unit economics combined correctly.
Subsidy/margin money for PMEGP auto-computed.
Project cost ₹15 Lakh–1 Cr, NIC 10307.
CMA, DSCR ≥ 1.50, 5-year projections.
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Yes — PMEGP (15–35% margin-money subsidy) is commonly used for mango pulp 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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Under PMEGP, the maximum project cost for manufacturing units is ₹50 lakh (general category) and ₹1 crore for special categories. However, for food processing units like mango pulp, the cost is capped at ₹1 crore. In this example, we assume ₹25 lakh, which is within the range. The subsidy percentage remains the same irrespective of the project cost within the limit.
DSCR (Debt Service Coverage Ratio) is calculated as (Net Profit + Depreciation + Interest) / (Principal Repayment + Interest). For a mango pulp unit, with a loan of ₹13.75 lakh at 10% interest for 5 years, annual principal repayment is ₹2.75 lakh, and interest is ₹1.375 lakh in year 1. Assuming net profit of ₹4 lakh and depreciation of ₹1.5 lakh, DSCR = (4+1.5+1.375)/(2.75+1.375) = 6.875/4.125 = 1.67, which is above the required 1.25.
Yes, but you must adjust the raw material cost, selling price, and local taxes based on your state. For example, mango prices vary by season and region. Also, the subsidy amount may differ if your state has additional schemes. The CMA format and DSCR calculation remain the same. Update the location-specific data and ensure the project report is signed by a local CA.
A ₹25 lakh mango pulp unit typically processes 2-3 tonnes of raw mango per day, producing 1-1.5 tonnes of pulp (assuming 50% yield). With 150 working days in the mango season (April-July), annual capacity is about 300-450 tonnes of raw mango. The project report should specify the installed capacity in kg per hour and the number of working days.