Bank-ready marble & granite unit report under PMEGP — project cost ₹15 Lakh–1 Cr, subsidy, CMA data, DSCR ≥ 1.50 and 5-year projections.
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Are you planning to start a Marble & Granite unit under the Prime Minister’s Employment Generation Programme (PMEGP) and need a bank-ready project report? This page is your complete guide for a Marble & Granite processing unit (NIC 23960) with project cost ranging from ₹15 Lakh to ₹1 Crore. A well-prepared project report is the backbone of your loan application — it demonstrates viability to banks and helps you secure the 25% to 35% subsidy (max ₹35 Lakh) under PMEGP. Our report includes detailed CMA (Credit Monitoring Arrangement) data, Debt Service Coverage Ratio (DSCR) above 1.5, and 5-year financial projections covering profit & loss, balance sheet, and cash flow. We also incorporate local market conditions, raw material sourcing (marble blocks from Rajasthan, granite from South India), and machinery specifications. Whether you are in Jaipur, Chennai, or Bangalore, this report is tailored to meet KVIC and bank requirements, ensuring faster approval.
To avail PMEGP subsidy for a Marble & Granite unit, the applicant must be a new entrepreneur (18+ years) with at least 8th standard education (for projects above ₹10 Lakh, minimum 10th pass). The project cost between ₹15 Lakh and ₹1 Cr qualifies for a subsidy of 25% (general category) or 35% (special categories: SC/ST/OBC/minorities/women/ex-servicemen/physically handicapped/NER) — subject to a maximum of ₹35 Lakh. The unit must be a new project; existing units are not eligible. The project should be viable as per PMEGP guidelines, with a minimum DSCR of 1.25 and positive net worth. The applicant must not have availed any other subsidy under similar schemes. Additionally, the unit must be registered as a sole proprietorship, partnership, or private limited company.
For a Marble & Granite unit, the project cost typically includes: land & building (₹3-10 Lakh), plant & machinery (₹8-20 Lakh for gang saw, edge cutting machine, polishing machine, etc.), working capital (₹4-10 Lakh), and preliminary expenses (₹1-2 Lakh). Under PMEGP, the promoter’s contribution is 5% of project cost (general) or 10% (special categories). The remaining is financed by bank loan (60-70% of cost) and PMEGP subsidy (25-35%). For a ₹50 Lakh project, the subsidy would be ₹12.5 Lakh (general) or ₹17.5 Lakh (special). The bank loan term is typically 5-7 years with a moratorium of 6-12 months. Interest rates are as per bank norms (usually MCLR + 2-3%). Ensure the project report includes a detailed cost breakup and sources of funds.
For a Marble & Granite unit project report, you need: (1) Identity proof (Aadhaar, PAN), (2) Address proof (voter ID, passport), (3) Educational qualification certificates, (4) Project report with CMA data, (5) Land documents (lease/ownership), (6) Quotations for machinery from suppliers, (7) Estimated raw material sourcing plan (marble/granite blocks), (8) Power connection estimate, (9) Pollution clearance (if applicable), (10) GST registration (optional but recommended). For subsidy, attach caste/category certificate if applicable. The project report must be submitted to the nearest KVIC or DIC office along with the online application on the PMEGP portal. 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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PMEGP format + marble & granite unit economics combined correctly.
Subsidy/margin money for PMEGP 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 — PMEGP (15–35% margin-money subsidy) is commonly used for marble & granite 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.
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.
The maximum subsidy under PMEGP is ₹35 Lakh, which is 25% of project cost for general category and 35% for special categories (SC/ST/OBC/minorities/women/ex-servicemen/physically handicapped/NER). For example, if your project cost is ₹1 Cr, the subsidy would be ₹25 Lakh (general) or ₹35 Lakh (special).
No, a bank-ready project report is mandatory for PMEGP loan. The report must include CMA data, DSCR calculations, and 5-year projections. Banks use it to assess viability. Without it, your application will be rejected. You can either prepare it yourself (using templates) or hire a consultant.
For project cost above ₹10 Lakh (which applies to your unit), the minimum educational qualification is 10th pass. For projects below ₹10 Lakh, 8th standard is sufficient. If you are a school dropout, you can still apply for projects up to ₹10 Lakh.
After submitting the online application and project report, the process takes 30-60 days. First, the District Task Force (DTF) approves the project, then the bank processes the loan. Ensure your project report is complete to avoid delays.