Bank-ready ro water supply project report — project cost ₹3–25 Lakh, CMA data, DSCR ≥ 1.50 and 5-year projections for PMFME, MUDRA Kishor, CGTMSE.
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Starting an RO water supply and can delivery business in India is a scalable opportunity, especially in urban and peri-urban areas where demand for clean drinking water is rising. This page provides a complete 2025 project report for an RO water supply venture under NIC code 36000, with a typical project cost ranging from ₹3 lakh to ₹25 lakh. Whether you plan to apply for a MUDRA loan under the Kishor category (₹5 lakh to ₹10 lakh), PMFME scheme (up to ₹10 lakh with 35% capital subsidy), or CGTMSE collateral-free loan, a bank-ready project report is essential. It must include CMA data, Debt Service Coverage Ratio (DSCR), and 5-year financial projections. This guide covers project cost breakup, machinery list, subsidy eligibility, document checklist, and step-by-step loan application process tailored for Indian entrepreneurs and CAs.
Any Indian citizen above 18 years with a viable business plan can apply. For MUDRA Kishor, the loan limit is ₹5–10 lakh; for PMFME, the applicant must be an individual or FPO in the food processing sector. CGTMSE covers loans up to ₹2 crore without collateral. A project report with CMA data, 5-year projections, and DSCR above 1.5 is required. Local municipal water connection or borewell permission is needed. Prior experience in water purification is not mandatory but training under PMFME is beneficial.
For a ₹5 lakh project (MUDRA Kishor): Land & building (rented) – ₹0; RO plant (1000 LPH) – ₹1.5 lakh; UV sterilizer & storage tank – ₹0.5 lakh; 20-litre cans (500 nos) – ₹1 lakh; delivery vehicle (e-rickshaw) – ₹1.2 lakh; furniture & installation – ₹0.3 lakh; working capital – ₹0.5 lakh. Total ₹5 lakh. Machinery must be BIS certified. For PMFME, 35% capital subsidy (max ₹10 lakh) reduces effective cost.
Approach a nationalized bank (SBI, PNB, Bank of Baroda) or regional rural bank. Documents: Aadhaar, PAN, business address proof, project report with CMA, 2 years ITR (if any), quotation for machinery, water testing report, and municipal NOC. For CGTMSE, no collateral needed. Loan processing takes 2–4 weeks. Ensure DSCR > 1.5 and repayment over 5 years at 7–12% interest. PMFME subsidy is back-ended; claim after plant setup.
Year 1: Revenue from 200 cans/day @ ₹50 = ₹36.5 lakh; net profit ₹4.5 lakh. Year 3: 400 cans/day; revenue ₹73 lakh; profit ₹12 lakh. DSCR improves from 1.6 to 2.5. CMA data includes operating cost (electricity, chemicals, delivery, salary) at 70% of revenue. Break-even by month 10. Assume 10% annual growth in sales. Include depreciation on plant (15% SLM) and vehicle (20%).
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Accurate ro water supply economics: NIC 36000, ₹3–25 Lakh project cost, machinery & raw material.
Scheme-ready for PMFME, MUDRA Kishor, CGTMSE.
Bankable financials (CMA, DSCR ≥ 1.50, P&L, Balance Sheet, Cash Flow).
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A typical ro water supply project costs ₹3–25 Lakh depending on scale, location and machinery. The report breaks down land/building, machinery, working capital and pre-operative costs.
PMFME, MUDRA Kishor, CGTMSE are commonly used. Banks fund ~75–90% of project cost as term loan + working capital.
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MUDRA Kishor offers loans from ₹5 lakh to ₹10 lakh. For smaller amounts, Shishu (up to ₹50,000) or Tarun (₹10 lakh to ₹20 lakh) are available. The project cost typically starts at ₹3 lakh for a small setup.
Yes, if you are an individual or FPO in food processing. PMFME provides 35% capital subsidy up to ₹10 lakh. The RO plant must be used for packaged drinking water (BIS 14543). Apply through the state nodal agency.
Banks typically require a Debt Service Coverage Ratio (DSCR) of at least 1.5. For a ₹5 lakh loan with 5-year tenure, annual net profit should exceed ₹1.5 lakh to meet this threshold.
No, CGTMSE covers loans up to ₹2 crore without collateral. For RO water supply, a loan up to ₹10 lakh can be availed under CGTMSE with a guarantee fee of 0.75-1.5% per annum.