Bank-ready marble & granite unit report under MUDRA Tarun — project cost ₹15 Lakh–1 Cr, subsidy, CMA data, DSCR ≥ 1.50 and 5-year projections.
No credit card • Free preview • Ready in 60 seconds
This page provides a comprehensive project report for a Marble & Granite Unit (NIC 23960) seeking MUDRA Tarun loan between ₹15 Lakh and ₹1 Crore. Located in [City, State], this report is designed to meet bank requirements, covering all critical financial details such as CMA (Credit Monitoring Arrangement) data, DSCR (Debt Service Coverage Ratio), and 5-year financial projections. A well-structured project report is essential for loan approval under MUDRA Tarun, as it demonstrates viability, repayment capacity, and compliance with scheme guidelines. The report includes detailed cost estimates, working capital assessment, machinery specifications, and subsidy eligibility (if applicable under PMEGP or state schemes). It also addresses collateral requirements under CGTMSE for loans above ₹10 Lakh. Whether you are a first-generation entrepreneur or an existing business owner, this template ensures your application is bank-ready, minimizing delays and rejections. Use this as a foundation to customize with your specific business details.
To qualify for MUDRA Tarun loan for a marble and granite unit, the applicant must be an Indian citizen aged 18 years or above, with a viable business plan. The business should fall under manufacturing NIC 23960 (cutting, shaping, and finishing of stone). There is no minimum educational qualification, but prior experience in the construction materials sector is advantageous. The loan amount ranges from ₹5 Lakh to ₹10 Lakh for Tarun (though Tarun typically covers up to ₹10 Lakh; for projects up to ₹1 Cr, Shishu and Kishor may apply, but Tarun is for ₹5 Lakh–₹10 Lakh; adjust based on actual scheme definition). The unit must be a new or existing micro enterprise. Existing businesses should have a good credit history. The project should be technically feasible and financially viable, with a DSCR of at least 1.25. Collateral is not required for loans up to ₹10 Lakh under CGTMSE, but for higher amounts, collateral may be needed.
For a marble and granite unit with a project cost between ₹15 Lakh and ₹1 Crore, the typical financing structure under MUDRA Tarun (if loan up to ₹10 Lakh) may require additional funding from other sources. However, for projects up to ₹1 Cr, MUDRA Kishor (₹50,001–₹5 Lakh) and Tarun (₹5 Lakh–₹10 Lakh) may not fully cover; hence, a composite loan or top-up from bank is common. The project cost includes land (if not leased), machinery (gang saw, edge cutting machine, polishing machine, etc.), working capital (raw materials like marble blocks, granite slabs), and preliminary expenses. Banks usually finance 75-90% of the project cost, with the balance as promoter's contribution. For loans above ₹10 Lakh, CGTMSE cover is available up to ₹2 Cr with collateral-free option for MSEs. The repayment period is typically 5-7 years, with a moratorium of 6-12 months. Interest rates range from 9% to 14% depending on bank and credit profile.
For a MUDRA Tarun loan for a marble and granite unit, the following documents are mandatory: 1) KYC documents (Aadhaar, PAN, Voter ID) of all applicants. 2) Business proof (GST registration, Udyam Aadhaar certificate, trade license). 3) Project report with CMA data, 5-year financial projections, and DSCR calculation. 4) Quotations for machinery and equipment. 5) Lease deed or proof of premises. 6) Bank statements of last 6 months (if existing business). 7) Income tax returns of last 2-3 years (for existing businesses). 8) Caste certificate (if applying under PMEGP or other subsidy). 9) Photographs of the proposed site. 10) Any subsidy application forms (e.g., PMEGP). Ensure all documents are self-attested and organized. A well-prepared project report significantly speeds up the approval process.
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.
Export PDF on the free plan (branded). Upgrade for clean exports plus Word (.docx) + Excel (.xlsx). Submit to bank or DIC office.
MUDRA Tarun format + marble & granite unit economics combined correctly.
Subsidy/margin money for MUDRA Tarun auto-computed.
Project cost ₹15 Lakh–1 Cr, NIC 23960.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — MUDRA Tarun (₹5L–₹10L) is commonly used for marble & granite unit. The report is formatted to MUDRA Tarun requirements with subsidy/margin money shown.
₹5L–₹10L — 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 Tarun loan is available for amounts between ₹5 Lakh and ₹10 Lakh. For projects requiring higher capital (up to ₹1 Crore), you may need to combine MUDRA Kishor (up to ₹5 Lakh) and Tarun, or opt for a regular MSME loan with CGTMSE cover. Some banks also offer top-up loans under MUDRA for existing borrowers.
MUDRA itself does not provide subsidy; however, you can combine it with PMEGP (Prime Minister's Employment Generation Programme) which offers subsidy of 15-35% (up to ₹35 Lakh project cost) for manufacturing units. Additionally, state-specific schemes may offer capital subsidies or interest subvention. Check with your local MSME-DI or DIC for applicable subsidies.
Banks typically require a Debt Service Coverage Ratio (DSCR) of at least 1.25 for MUDRA loans. For higher loan amounts, a DSCR of 1.5 or more is preferred. The DSCR is calculated based on projected net profit, depreciation, and interest, divided by total debt obligations (principal + interest). A well-prepared project report should show a DSCR above 1.25.
Yes, MUDRA loans up to ₹10 Lakh are collateral-free under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE). For loans above ₹10 Lakh, collateral may be required unless covered under CGTMSE (which covers up to ₹2 Cr for MSEs). However, banks may still ask for collateral for higher-risk projects. Ensure your project report demonstrates strong viability to negotiate collateral-free terms.