Bank-ready mehendi cone unit report under MUDRA Shishu — project cost ₹1–10 Lakh, subsidy, CMA data, DSCR ≥ 1.50 and 5-year projections.
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Starting a Mehendi Cone manufacturing unit under MUDRA Shishu (loan up to ₹50,000) is a low-investment, high-demand business in India, especially in states like Uttar Pradesh, Bihar, Rajasthan, and Maharashtra where mehendi is integral to weddings and festivals. NIC code 20236 covers manufacture of perfumes, cosmetics, and other toilet preparations, including mehendi cones. A bank-ready project report is critical for loan approval — it must include CMA (Credit Monitoring Arrangement) data, Debt Service Coverage Ratio (DSCR) above 1.25, and 5-year financial projections (profit & loss, balance sheet, cash flow). This page provides a ready-to-use project report format tailored for MUDRA Shishu, covering project cost (₹10,000–₹50,000), raw materials (mehendi powder, eucalyptus oil, lemon juice, cones), machinery (manual filling machine, weighing scale), working capital, and subsidy eligibility under MUDRA (no direct subsidy, but interest subvention possible for women/SC/ST). We also explain how to calculate DSCR, prepare CMA data, and list documents required for bank submission.
Any Indian entrepreneur above 18 years with a viable business plan can apply. No collateral needed as MUDRA Shishu loans are unsecured. Priority is given to women, SC/ST, OBC, and minority communities. The business must be non-farm and non-corporate (sole proprietorship, partnership, or private limited company). For Mehendi cone unit, you need basic knowledge of mehendi mixing (natural henna powder, essential oils, sugar/lemon juice) and packaging. No prior experience required, but a project report with realistic projections is mandatory. Banks also check your CIBIL score (preferably above 650) and may ask for a guarantor if score is low.
For a Mehendi cone unit, project cost typically ranges from ₹10,000 to ₹50,000. Breakup: Machinery (manual cone filling machine ₹5,000–₹15,000, weighing scale ₹2,000, mixing vessel ₹1,000), raw materials (henna powder 10 kg ₹2,000, eucalyptus oil ₹500, cones/packaging ₹3,000), working capital (₹5,000–₹10,000 for 1 month), and miscellaneous (electricity, rent, labour ₹5,000). Under MUDRA Shishu, loan amount is 100% of project cost up to ₹50,000. No margin money required. Interest rates vary from 7% to 12% p.a. depending on bank and credit profile. Repayment tenure is 3–5 years. No direct subsidy, but women entrepreneurs may get 0.5% interest concession under certain state schemes. CGTMSE cover is available for loans above ₹50,000, but for Shishu (≤₹50,000), no guarantee fee.
1. Identity proof (Aadhaar, Voter ID, PAN). 2. Address proof (Aadhaar, utility bill, rent agreement). 3. Age proof (birth certificate, 10th mark sheet). 4. Business proof: project report (with CMA data, DSCR calculation, 5-year projections), business plan, and if existing, GST registration and IT returns. 5. Bank statement of last 6 months (personal or business). 6. Two passport-size photographs. 7. Caste/category certificate (if SC/ST/OBC/women) for priority lending. 8. Quotations for machinery and raw materials. 9. Rental agreement if premises is rented. 10. Any certification (e.g., FSSAI if selling edible mehendi). Keep all documents self-attested and organized in a file for quick submission.
Every report is formatted to the exact standards required by Indian banks and government departments.
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MUDRA Shishu format + mehendi cone unit economics combined correctly.
Subsidy/margin money for MUDRA Shishu auto-computed.
Project cost ₹1–10 Lakh, NIC 20236.
CMA, DSCR ≥ 1.50, 5-year projections.
Editable; Word + Excel exports; first report free.
Yes — MUDRA Shishu (up to ₹50,000) is commonly used for mehendi cone unit. The report is formatted to MUDRA Shishu requirements with subsidy/margin money shown.
up to ₹50,000 — 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.
Under MUDRA Shishu, you can get a loan up to ₹50,000. For a Mehendi cone unit, a typical loan of ₹25,000–₹50,000 is sufficient to cover machinery, raw materials, and working capital. The exact amount depends on your project report and bank assessment.
MUDRA itself does not provide direct subsidy. However, if you belong to a reserved category (SC/ST/OBC) or are a woman, some state governments offer interest subvention (e.g., 2–5% reduction) under schemes like PMMY. Also, if you are registered under PM Vishwakarma, you may get additional benefits. Check with your local bank or DIC for applicable state schemes.
DSCR = Net Operating Income / Total Debt Service (principal + interest). For a Mehendi cone unit, assume annual sales of ₹2,40,000 (₹20,000/month), net profit after tax ₹60,000, and annual loan repayment ₹20,000 (including interest). DSCR = 60,000/20,000 = 3.0, which is excellent. Banks require DSCR > 1.25. Include this calculation in your CMA data.
Your project report must include 5-year projections: Profit & Loss statement (sales, cost of goods sold, gross profit, operating expenses, net profit), Balance Sheet (assets, liabilities, equity), Cash Flow statement (operating, investing, financing activities), and CMA data (current ratio, debt-equity ratio, DSCR). For a Mehendi cone unit, show gradual sales growth of 10–15% annually.