Bank-ready mushroom farming report under MUDRA Kishor — project cost ₹2–20 Lakh, subsidy, CMA data, DSCR ≥ 1.50 and 5-year projections.
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For Indian entrepreneurs in mushroom farming seeking MUDRA Kishor loans (₹2–20 lakh under NIC 01134), a bank-ready project report is the cornerstone of loan approval. This page provides a complete MUDRA Kishor Mushroom Farming Project Report format, covering project cost, subsidy details, and financial projections. A professional report includes CMA data, DSCR (Debt Service Coverage Ratio), and 5-year projections (income, expenses, cash flow) to demonstrate repayment capacity. Whether you are in Maharashtra, Uttar Pradesh, or Karnataka, this report helps you secure funding from banks like SBI, PNB, or Canara Bank. The MUDRA Kishor scheme offers loans up to ₹20 lakh without collateral (covered under CGTMSE up to ₹10 lakh). Our format includes all required annexures: land documents, quotations, market analysis, and subsidy application steps. Use this template to save time and increase approval chances.
Typical unit: ₹6.5 Lakh
| Cost head | Amount | Share |
|---|---|---|
| Sheds, civil works & land development | ₹2,20,000 | 34% |
| Equipment (feeders, pumps, cooling etc.) | ₹90,000 | 14% |
| Livestock / seed / initial stock | ₹1,45,000 | 22% |
| Pre-operative & insurance | ₹25,000 | 4% |
| Contingency | ₹25,000 | 4% |
| Working capital (feed, labour, utilities) | ₹1,45,000 | 22% |
| Total project cost | ₹6.5 Lakh | 100% |
Indicative figures for a typical ₹6.5 Lakh mushroom farming (cost range ₹2–20 Lakh). Your report computes exact figures from your own quotations, location and scale.
MUDRA Kishor loans (₹2–20 lakh) under NIC 01134 are available to individuals, partnerships, and private limited companies engaged in mushroom cultivation (oyster, button, or milky). Key eligibility: minimum 1 year of experience or relevant training (e.g., from ICAR or state horticulture department); a viable project with at least 50% promoter contribution (10% for women/SC/ST). Loan terms: interest rate 9–12% p.a. (varies by bank), repayment up to 5 years with a 6-month moratorium. Collateral is not required up to ₹10 lakh under CGTMSE; above that, banks may ask for third-party guarantee. The subsidy component: under PMEGP, you can get 15–35% capital subsidy (max ₹15 lakh), but MUDRA itself does not offer direct subsidy – however, you can combine MUDRA with state-level schemes like Mukhyamantri Yuva Swavalamban Yojana (Gujarat) or similar. Ensure your project report highlights the demand for mushrooms in local markets and tie-ups with restaurants or retailers.
A typical mushroom farming project under MUDRA Kishor for a 2-ton per month unit (button mushrooms) costs approximately ₹10–12 lakh. Break-up: land preparation (if leased, include rent) ₹50,000; shed construction (bamboo/thatched or polyhouse) ₹3–5 lakh; compost unit (trays, shelves, pasteurization tank) ₹2–3 lakh; spawn and raw materials (wheat straw, gypsum) ₹1.5 lakh; labor and training ₹1 lakh; working capital (3 months) ₹2.5 lakh. Financing: 10–20% promoter contribution, 80–90% MUDRA loan. For example, on ₹10 lakh project cost, promoter puts ₹1 lakh, bank sanctions ₹9 lakh. Subsidy: If you apply under PMEGP (linked to MUDRA), you get 35% (for general) or 25% (for others) capital subsidy, capped at ₹15 lakh. For a ₹10 lakh project, subsidy would be ₹3.5 lakh (general) – reducing your loan burden. Ensure your project report includes quotations from suppliers (e.g., for spawn from Solan or compost from local dealers) to justify costs.
To apply for MUDRA Kishor for mushroom farming, submit: 1. KYC documents (Aadhaar, PAN, Voter ID). 2. Proof of land ownership or lease agreement (minimum 5 years). 3. Project report (use our format) with CMA data, 5-year cash flow, profit-loss, balance sheet, and DSCR (minimum 1.25). 4. Quotations for shed construction, compost, spawn, and machinery. 5. Training certificate in mushroom cultivation (if available). 6. Caste certificate (if SC/ST/OBC) for subsidy benefits. 7. Bank statement of last 6 months. 8. GST registration (if turnover > ₹40 lakh) – not mandatory initially. 9. Two passport-size photos. Banks may also ask for a detailed market survey (local demand, competition, price trends). For subsidy under PMEGP, you need to apply through the KVIC portal (with project report) and get a recommendation from the District Task Force Committee. Keep copies of all documents for future audits.
Every report is formatted to the exact standards required by Indian banks and government departments.
A complete 14-section project report — the same document your bank officer will read. Every table below is real: the repayment schedule, the DSCR, the CMA workings, the balance sheet. Generate yours free, then pay ₹499 for the clean copy.
Project Report
Consumer electronics repair, servicing & spare-parts retail
Vaishali Nagar, Jaipur, Rajasthan
Submitted to the Branch Manager · Punjab National Bank, Vaishali Nagar, Jaipur
The unit has been in operation since 2019 and currently services 20–25 jobs a day from a 350 sq.ft. ground-floor shop, with a recorded customer base of 600+ households in the Vaishali Nagar catchment. The promoter proposes to expand the workbench capacity, add board-level diagnostic equipment and carry a spare-parts inventory so that 70% of repairs can be completed same-day instead of the present 3-day turnaround.
The project is assessed at a cost of ₹10.00 lakh, financed by a ₹8.00 lakh MUDRA Tarun term loan and ₹2.00 lakh of promoter's own contribution (20%). At the projected turnover the unit services its debt 5.87 times over on average, against the 1.25 minimum, and breaks even at 62% of Year-1 sales — leaving substantial cushion against a demand shortfall.
Recommendation: the proposal is technically feasible, commercially viable and financially sound. It is recommended for sanction of a term loan of ₹8.00 lakh repayable in 60 monthly instalments.
| Particulars | Basis | Amount (₹) |
|---|---|---|
| Renovation & civil work | 200 sq.ft. additional area, electrical, ESD flooring | 1,20,000 |
| Diagnostic & repair equipment | As per quotations — Annexure IX | 2,40,000 |
| Computers, software & service tools | 2 systems, billing software, tool kits | 80,000 |
| Furniture, air-conditioning & display fixtures | Counter, racks, 1.5 T AC | 60,000 |
| Margin money for working capital | Stock, receivables & operating cash | 5,00,000 |
| Total project cost | 10,00,000 |
A 5% contingency is built into the civil and equipment estimates. All capital items are supported by three quotations each.
| Source | Amount (₹) | % of project cost |
|---|---|---|
| Promoter's own contribution | 2,00,000 | 20.00% |
| Term loan under MUDRA Tarun | 8,00,000 | 80.00% |
| Subsidy / margin money grant | Nil | — |
| Total | 10,00,000 | 100.00% |
Promoter's contribution is held in Savings A/c No. XXXXXX4417 with Punjab National Bank, Vaishali Nagar (statement enclosed). Debt–equity at inception is 4.00 : 1, improving to 1.65 : 1 by the end of Year 1.
For PMEGP, PMFME, NABARD and state-subsidy proposals this section additionally carries the margin-money subsidy workings, the subsidy-adjusted repayment and a second DSCR computed net of subsidy.
| Equipment | Qty | Rate (₹) | Amount (₹) |
|---|---|---|---|
| BGA rework station with preheater | 1 | 95,000 | 95,000 |
| Digital storage oscilloscope with probes | 1 | 45,000 | 45,000 |
| Universal IC programmer | 1 | 35,000 | 35,000 |
| Ultrasonic PCB cleaning unit | 1 | 22,000 | 22,000 |
| Soldering / desoldering stations | 3 | 8,000 | 24,000 |
| Precision tool kits & ESD workbench | 2 | 9,500 | 19,000 |
| Total | 2,40,000 |
Suppliers: Fine Tools India (Jaipur), Sagar Electronics (Delhi), Techno Instruments (Jaipur). Quotations enclosed at Annexure IX. Delivery within 30 days of sanction; installation by the supplier at no extra cost.
| Particulars | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Service & repair income | 24.00 | 28.32 | 32.57 | 36.80 | 41.22 |
| Sale of spares & accessories | 9.60 | 11.33 | 13.03 | 14.73 | 16.49 |
| Total revenue | 33.60 | 39.65 | 45.60 | 51.53 | 57.71 |
| Cost of spares & materials (45%) | 15.12 | 17.84 | 20.52 | 23.19 | 25.97 |
| Gross profit | 18.48 | 21.81 | 25.08 | 28.34 | 31.74 |
| Salaries & wages | 6.72 | 7.26 | 7.84 | 8.47 | 9.14 |
| Rent | 1.44 | 1.51 | 1.59 | 1.67 | 1.75 |
| Power & fuel | 0.72 | 0.78 | 0.83 | 0.89 | 0.95 |
| Repairs & maintenance | 0.30 | 0.33 | 0.36 | 0.39 | 0.42 |
| Marketing & business promotion | 0.36 | 0.40 | 0.44 | 0.48 | 0.52 |
| Administrative & miscellaneous | 0.60 | 0.66 | 0.72 | 0.78 | 0.84 |
| Insurance | 0.12 | 0.13 | 0.14 | 0.15 | 0.16 |
| Total operating expenses | 10.26 | 11.07 | 11.92 | 12.83 | 13.78 |
| EBITDA | 8.22 | 10.74 | 13.16 | 15.51 | 17.96 |
| Depreciation (WDV, as per IT Act) | 0.86 | 0.66 | 0.52 | 0.42 | 0.35 |
| EBIT | 7.36 | 10.08 | 12.64 | 15.09 | 17.61 |
| Interest on term loan | 0.78 | 0.64 | 0.48 | 0.31 | 0.11 |
| Profit before tax | 6.58 | 9.44 | 12.16 | 14.78 | 17.50 |
| Income tax (as applicable) | 0.30 | 0.62 | 0.95 | 1.35 | 1.80 |
| Profit after tax | 6.28 | 8.82 | 11.21 | 13.43 | 15.70 |
Revenue grows 18%, 15%, 13% and 12% over the five years, against 22% achieved by the unit in the last audited year. Capacity utilisation moves from 72% to 91%; the projections do not assume any increase in service rates.
| Year | Opening balance | Principal repaid | Interest | Total outgo | Closing balance |
|---|---|---|---|---|---|
| 1 | 8,00,000 | 1,28,404 | 77,937 | 2,06,341 | 6,71,596 |
| 2 | 6,71,596 | 1,42,555 | 63,787 | 2,06,341 | 5,29,041 |
| 3 | 5,29,041 | 1,58,265 | 48,077 | 2,06,341 | 3,70,776 |
| 4 | 3,70,776 | 1,75,706 | 30,635 | 2,06,341 | 1,95,070 |
| 5 | 1,95,070 | 1,95,070 | 11,272 | 2,06,341 | Nil |
| Total | 8,00,000 | 2,31,707 | 10,31,705 |
| Particulars | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Profit after tax | 6.28 | 8.82 | 11.21 | 13.43 | 15.70 |
| Add: depreciation | 0.86 | 0.66 | 0.52 | 0.42 | 0.35 |
| Add: interest on term loan | 0.78 | 0.64 | 0.48 | 0.31 | 0.11 |
| Cash available for debt service (A) | 7.92 | 10.12 | 12.21 | 14.16 | 16.16 |
| Principal repayment | 1.28 | 1.43 | 1.58 | 1.76 | 1.95 |
| Interest | 0.78 | 0.64 | 0.48 | 0.31 | 0.11 |
| Total debt service (B) | 2.06 | 2.07 | 2.06 | 2.07 | 2.06 |
| DSCR (A ÷ B) | 3.84 | 4.89 | 5.93 | 6.84 | 7.84 |
Average DSCR over the tenure: 5.87. The minimum acceptable to banks is 1.25; the unit crosses that threshold even if Year-1 revenue falls 60% short of projection.
| Particulars | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| LIABILITIES | |||||
| Capital account (net of drawings) | 4.08 | 7.50 | 12.11 | 17.74 | 24.44 |
| Term loan — long-term portion | 5.29 | 3.71 | 1.95 | — | — |
| Term loan — current maturity | 1.43 | 1.58 | 1.76 | 1.95 | — |
| Sundry creditors (30 days) | 1.26 | 1.49 | 1.71 | 1.93 | 2.16 |
| Other current liabilities & provisions | 0.30 | 0.35 | 0.40 | 0.45 | 0.50 |
| Total | 12.36 | 14.63 | 17.93 | 22.07 | 27.10 |
| ASSETS | |||||
| Net fixed assets | 4.14 | 3.48 | 2.96 | 2.54 | 2.19 |
| Stock of spares (45 days) | 1.86 | 2.20 | 2.53 | 2.86 | 3.20 |
| Sundry debtors (10 days) | 0.92 | 1.09 | 1.25 | 1.41 | 1.58 |
| Cash & bank balance | 5.44 | 7.86 | 11.19 | 15.26 | 20.13 |
| Total | 12.36 | 14.63 | 17.93 | 22.07 | 27.10 |
| Sources | Amount | Applications | Amount |
|---|---|---|---|
| Profit after tax | 6.28 | Capital expenditure | 5.00 |
| Depreciation | 0.86 | Increase in stock | 1.86 |
| Increase in creditors & provisions | 1.56 | Increase in debtors | 0.92 |
| Term loan drawn | 8.00 | Repayment of term loan | 1.28 |
| Promoter's capital introduced | 2.00 | Drawings | 4.20 |
| Closing cash & bank | 5.44 | ||
| Total | 18.70 | Total | 18.70 |
Working capital is assessed under the Tandon Committee Method II, the basis used by banks for limits up to ₹5 crore. The workings below are drawn from the Year-1 projections above.
| Particulars | Amount |
|---|---|
| Stock of spares | 1.86 |
| Sundry debtors | 0.92 |
| Cash & bank balance | 5.44 |
| Total current assets (TCA) | 8.22 |
| Sundry creditors | 1.26 |
| Other current liabilities & provisions | 0.30 |
| Current maturity of term loan | 1.43 |
| Other current liabilities (OCL) | 2.99 |
| Working capital gap (TCA − OCL) | 5.23 |
| 25% of TCA — stipulated margin | 2.06 |
| Maximum permissible bank finance (Method II) | 3.18 |
No cash-credit limit is sought in this proposal; the assessment is presented because bank officers ask for it. Were the limit of ₹3.18 lakh availed, the current ratio would stand at 1.33 — above the 1.25 stipulated by IBA.
CMA statements included in the full report
| Ratio | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Bank norm |
|---|---|---|---|---|---|---|
| Current ratio | 2.75 | 3.26 | 3.87 | 4.51 | 9.36 | ≥ 1.25 |
| Debt–equity ratio | 1.65 | 0.71 | 0.31 | 0.11 | Nil | ≤ 3.00 |
| DSCR | 3.84 | 4.89 | 5.93 | 6.84 | 7.84 | ≥ 1.25 |
| Net profit margin | 18.7% | 22.2% | 24.6% | 26.1% | 27.2% | — |
| Interest coverage | 9.4 | 15.8 | 26.3 | 48.7 | 160.1 | ≥ 2.00 |
| Particulars | Amount |
|---|---|
| Fixed costs (salaries, rent, admin, depreciation, interest) | 10.88 |
| Variable costs (materials, power, maintenance) | 16.14 |
| Contribution (revenue − variable costs) | 17.46 |
| P/V ratio | 51.96% |
| Break-even sales | 20.94 |
| Break-even as % of Year-1 revenue | 62.3% |
| Cash break-even as % of Year-1 revenue | 57.4% |
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MUDRA Kishor format + mushroom farming economics combined correctly.
Subsidy/margin money for MUDRA Kishor auto-computed.
Project cost ₹2–20 Lakh, NIC 01134.
CMA, DSCR ≥ 1.50, 5-year projections.
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A mushroom farming project typically costs ₹2–20 Lakh. For a typical ₹6.5 Lakh unit the biggest items are sheds, civil works & land development ₹2,20,000, livestock / seed / initial stock ₹1,45,000, working capital (feed, labour, utilities) ₹1,45,000. With ~10% promoter margin (₹65,000) the bank loan is about ₹5,85,000, an EMI of roughly ₹10,017/month at 11% over 7 years. Typical net margin for this segment is 10–25%. These are indicative — the report works out exact figures from your inputs.
Yes — MUDRA Kishor (₹50K–₹5L) is commonly used for mushroom farming. The report is formatted to MUDRA Kishor requirements with subsidy/margin money shown.
₹50K–₹5L — computed automatically in the means-of-finance and subsidy sections.
Register free, pick the scheme & loan amount, and the full bank-ready report is drafted for you (CMA data, DSCR, 5-year projections) in under 60 seconds. First report free; clean exports ₹499.
Yes, MUDRA Kishor loans up to ₹10 lakh are covered under CGTMSE, meaning no collateral is required. For loans above ₹10 lakh (up to ₹20 lakh), banks may ask for third-party guarantee or collateral. If you are a woman or SC/ST entrepreneur, collateral is waived up to ₹20 lakh under certain schemes (e.g., Stand-Up India). Always confirm with your bank.
MUDRA itself does not provide a direct subsidy. However, you can combine it with PMEGP (Prime Minister's Employment Generation Programme) which offers 15–35% capital subsidy (max ₹15 lakh) for mushroom farming. Additionally, state schemes like Mukhyamantri Yuva Swavalamban Yojana (Gujarat) or NABARD's subsidy for horticulture may apply. Apply through KVIC for PMEGP.
Use our format which includes: executive summary, project details (location, unit size), cost breakdown, financing plan, 5-year financial projections (P&L, cash flow, balance sheet), CMA data, DSCR calculation, and repayment schedule. Attach quotations, land documents, and training certificates. Ensure DSCR is above 1.25 and promoter contribution is at least 10%.
The repayment period is typically 3 to 5 years, with a moratorium of 6 months (principal and interest) or 12 months (only interest). Monthly installments start after the moratorium. Interest rates range from 9% to 12% per annum, depending on the bank and your credit profile.